Consumer complaint received 2015-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Bureau of Consumer Finance ProtectionXXXX XXXX XXXX XXXX, DC XXXX, XXXX & XXXX credit reporting agenciesXXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, MD XXXX : Bank of America deceptive practicesDiscrimination against XXXX and XXXX personI had closed my account with Bank of America because of deceptive practices and refusing me XXXX accommodations to reasonably modify their policies as I am a XXXX customer causing me undue hardship. In addition, I discovered that Bank of America refuse to hire employees whose ethnicity is XXXX descent. In XXXX County, Maryland BOA hires XXXX and focus only XXXX clients which causes a language barrier because their employees only speak XXXX and little XXXX. I discovered that Bank of America been sued for discriminatory hiring practices against hiring persons in an XXXX descent ( See Appendix, BOA lawsuits and hiring practices ). The month of XXXX 2015 I tried to make a deposit a check {$38.00} and cash at the Bank of America in XXXX branch in XXXX County, MD. My cash got stuck at the drive thru ATM. The manager came out and snatch some of the money out and then I had to wait in the bank lobby for 1 hour and 30 minutes just obtain my money from the bank representative. Every BOA employee was speaking in XXXX and as I witness that all the XXXX clients received special preferences. There after I received a letter from Bank of America taking away my e-bill ( See Attached ). BOA states that the e-bill is only for paying my credit card even though I paid other bills such as my life insurance policy through e-bill system in XXXX 2015 for {$24.00} ( See Attached ). Bank of America also fabricated to XXXX that they closed my credit card account however on XXXX/XXXX/2015 I requested the credit card account to be closed ( See Attached BOA online chat ). 
BANK OF AMERICA I have a good payment history demonstrates that I pay Bank of America credit card over the {$25.00} recurring monthly amount. However, the month of XXXX 2015 Bank of America deceived my payment of {$40.00} when I went to BOA payment center and the BOA employee told me that I could I pay for XXXX 2015 which the receipt does demonstrate next month payment ( See Attached ) The month of XXXX XXXX 2015, I paid {$60.00}. XXXX XXXX, 2015 I paid {$50.00} and XXXX XXXX, 2015 I paid {$40.00}. My credit card was credited and paid {$170.00} in the month of XXXX 2015. My statements and this transaction demonstrates that I always pay over the monthly recurring credit card payments. 
XXXX XXXX and XXXX XXXX, both Consumer Advocates representing BOA. They both demonstrated deceptive practices such as fabricating that BOA automatic system do n't call me. I received harassing calls which Bank of America consumer advocates denied that they called but their employee XXXX XXXX, online chat states that the BOA automatic system did call me ( See Attachment ). 
Bank of America deceived me as a loyal XXXX customer and accepted my {$40.00} at the BOA banking center for the XXXX 2015 payment by their own employee. The employee at BOA banking center in XXXX, MD accepted the XXXX 2015 payment early and gave me a receipt which states " payment is for next month ''. I did inform the BOA employee that I was XXXX and I should have been provided XXXX accommodations which includes reasonable policies and rules that should be modified because of my XXXX. However BOA failed to provide specialized rules concerning customers with a XXXX, I paid XXXX bill two days earlysd. The XXXX 2015 receipt specify details " next month payment '' and if BOA employee accepted this payment knowingly that I had a XXXX the payment should 've been accepted. However, BOA acted deceptive and discriminatory only to damage my credi

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief