Consumer complaint received 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please read the two emails below : 1 ) XXXX XXXX XXXX : I would like to inform you than I am totally disappointed with the way XXXX XXXX XXXX has treated me because I am an XXXX descent despite the fact that I have banked with you since 2002 and have had two mortgages with you till this day. 

I have never had a problem with your bank until your fraud department decided to close my account last week ( XXXX ) because one deposited check of {$5000.00} had an irregular signature ( deposited XXXX and I got notified on XXXX ) and they deceived me by telling me that the check will be returned in 5-10 business days. The other bank soon honored the signature and asked that the check be re-presented to XXXX, but XXXX told me on the 14th business day ( XXXX ) over the phone that my check will not be returned. In the notice of XXXX, I was given till XXXX to make my account positive, which became positive by XXXX ( less than 2 weeks ). 

A day after my account was positive on XXXX, Bank of America sent me another notice that my account has been closed. I ran to the bank to speak with XXXX, who told me that there was nothing he could do because the fraud department closed it due to a business decision. He also told me to come into the bank to pay my mortgage, which I have NEVER done before because all my payments are made online. Also, my XXXX XXXX told me today over phone they collected their payments on XXXX, but when I went to the bank today, I was told that my account was closed XXXX and a check had been sent to me. Now, I have to go to another bank to pay my mortgage and car note online. 

XXXX should be ashamed of themselves for treating their customer for over a decade with 2 mortgages like a criminal living in poverty, who now has to walk in like an illiterate to pay his mortgage in the bank instead of online. This was done because I was wiring money to XXXX and I have a XXXX name. If I was white with a XXXX name and I was sending money to XXXX, I am sure I will be treated differently with some level of respect. 

Please respond. Thanks. 

2 ) Thanks XXXX. I have spoken to XXXX twice in the branch about this on XXXX a day after I first got notified about the irregular signature on the check and on XXXX when the fraud department told me over the phone that the check will not the returned despite the fact that XXXX told me that the check will be returned in 5-10 business days. 

I think the fraud department intentionally set me up to close my account because I am on XXXX descent. I spoke to them twice before XXXX and they said I could re-present the check when I get it. They gave me till XXXX in their XXXX notice to make my account positive and my account was positive on XXXX, but they sent me a notice on XXXX ( a day after my account became positive ) that my account is closed. This is racism and it was done because I am an XXXX descent and was wiring money to XXXX. 

Will they close my account if I was XXXX wiring money to XXXX after my account was made positive? Will it take 15 business days to inform me that my check will not be coming back? They strategically delayed me to have evidence to close my account despite banking with XXXX XXXX XXXX since 2002 and with 2 mortgagees. I now have to go to another bank to pay my XXXX XXXX XXXX mortgage online rather than walk into your bank. This is shameful!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief