Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I HAD AN ACCOUNT WITH BANK OF AMERICA FOR A COUPLE OF MONTHS BACK IN XX/XX/XXXX. XXXX DAY MY WALLET WAS STOLEN/MISPLACED AND I HAD ALL MY INFORMATION IN IT, SOMEHOW DURING SOMEONE TOOK MY CARD AND DEPOSITED FRAUDULENT CHECK INTO MY ACCOUNT. AT THE TIME I DID N'T KNOW THAT MY WALLET WAS STOLEN. LATER ON THAT EVENING I FOUND THAT MY WALLET WAS MISSING, I CALLED THE BANK AND TOLD THEM TO CANCEL THE CARD. A FEW DAYS LATER I PUT IN A CLAIM FOR THE CHARGES THAT WAS PUT INTO MY ACCOUNT BECAUSE BOA TOLD ME THAT THE CHECKS CAME BACK AS FRAUD AND IT WILL BE APPLIED TO MY ACCOUNT. I FILED A CLAIM XXXX AND I WAS DENIED, BECAUSE I HAD MY PERSONAL INFORMATION IN MY WALLET AND I WAS NEGLIGENCE ABOUT MY PRIVATE INFORMATION. ABOUT A YEAR LATER ( XX/XX/XXXX ), I WANTED TO OPEN A BANK ACCOUNT WITH A SPECIFIC BANK, AND I GOT DENIED FOR IT BECAUSE " BANK OF AMERICA DING ME FOR SUSPICIOUS OF FRAUD ACTIVITY ''. I WAS TOTALLY CONFUSED ABOUT IT BECAUSE I WAS NEVER TOLD I HAD TO PAY ANYTHING, NOR DID ANYONE CALLED ME SINCE THE CLAIM WAS DENIED ABOUT PAYMENT PLANS TO PAY BACK FROM THE FRAUDULENT CHECKS. SO I WENT AROUND TO OTHER BANKS ABOUT ( XXXX ) IN MY AREA AND I WAS DENIED TOO FOR THE SAME REASON. I CONTACTED BANK OF AMERICA AND INFORMED THEM ABOUT THE ISSUE THAT I HAD WITH OTHER BANKS, THEY TOLD ME TO GET A CONSUMER REPORT, AND SEE WHATS ON THERE PERTAINING MY INQUIRY. I REQUESTED THE INQUIRY FROM CHEXSYSTEMS AND I SAW THE CLAIM BY BANK OF AMERICA " SUSPICIOUS FRAUD ACTIVITY '', I CALLED BACK BANK OF AMERICA AND TOLD THEM I RECEIVED IT AND I WANT TO KNOW WHAT I CAN DO TO RESOLVE THE ISSUE AND GET OFF XXXX, THEY TOLD ME TO PUT IN A REQUEST TO BANK OF AMERICA 'S RISK DEPARTMENT AND MAIL IT TO THEIR ADDRESS IN XXXX, FL. I DID IT AND A COUPLE OF WEEKS LATER THEY SENT ME A LETTER SAYING THAT THEY WILL NOT REMOVE ME FROM CHEXSYSTEMS BECAUSE IT SUPPOSED TO PROTECT THE BANK BECAUSE ITS A SERIOUS MATTER. I CALLED THEM TODAY AGAIN, SPOKE WITH THE RECOVERY DEPARTMENT, ASK THEM WHAT CAN I DO TO GET BACK ON TRACK BECAUSE I 'M ONLY XXXX AND I REALLY NEED A BANK ACCOUNT/SAVINGS ACCOUNT FOR MY JOB BECAUSE ITS TOWARDS MY FUTURE AND THIS ISSUE ON XXXX IS RUINING MY LIFE. THEY TOLD ME THAT I DO N'T OWE THEM ANY MONEY, I 'M JUST FLAGGED BY THE BANK AND I CANT OPEN AN ACCOUNT WITH THEM, I ASKED WHY THEY CANT REMOVE IT SINCE I DONT NEED TO PAY ANYTHING TOWARDS THEM, THEY JUST GAVE ME THE RUN AROUND AND TOLD ME TO SPEAK WITH THE RISK DEPARTMENT. THE RISK DEPARTMENT SAID THERE IS NOTHING I CAN DO BECAUSE ITS ALREADY ON THE REPORT AND IT WILL BE ON THERE FOR 5-7 YEARS AND THERE IS NOTHING I CAN DO ABOUT IT. I TOLD THEM I WILL GET AN ATTORNEY AND THE REPRESENTATIVE BASICALLY RUSHED ME OFF THE PHONE SAYING " IS THERE ANYTHING ELSE I CAN HELP YOU WITH '' BEFORE I EVEN FINISHED TRYING TO ASK WHAT CAN I DO TO RESOLVE THIS ISSUE. I 'M TO MY BREAKING POINT FROM THIS AND I REALLY NEED SOME HELP BECAUSE THIS IS MESSING UP MY LIFE. I HAVE A CREDIT CARD AND ITS HARD TO PAY MY MONTHLY BILL BECAUSE I DONT HAVE A BANK ACCOUNT, I LIVE OFF PREPAID CARDS AND THEY DONT HELP ME SAVE AND THEIR FEES ARE RIDICULOUS. PLEASE HELP!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation