Consumer complaint received 2015-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Bank of America on XXXX XXXX XXXX in XXXX and it was closed due to an overdraft that I was unable to pay before the account was set to close. I wrote a check to myself and deposited the for cash due to falling upon a hardship - losing my job in XXXX XXXX. A family member agreed to wire the money to me the following day but she never did so I was left with trying to figure out how to get money that I did not have back into my account. 

A Bank of America representative contacted me with a date to by or the account would be closed I explained to her what happened but there was nothing she could do about it of course, and I knew I would not have the amount of money needed by the time the representative stated I needed to have it in by. 

I found out that I was listed with XXXX ( XXXX ) XXXX is owned by XXXX XXXX, Bank of America, XXXX, XXXX XXXX XXXX and XXXX XXXX, so I requested a XXXX report and contacted Bank of America after receiving the report. I was advised that I should start with paying the money back even though it was written off an purged. S once I had the total amount of money owed I paid it back via a Bank of America representative over the phone. I even paid an account from XX/XX/XXXX that had a balance that was written off - Purged for {$24.00}. 

I tried to open an account and was unable to do so because of me being listed with with XXXX XXXX XXXX. The XXXX report reads : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner, and the XXXX report states : " Suspected Fraud. '' I ca n't open a bank account anywhere. I have tried credit unions and banks and they all tell me it 's based on the XXXX report or XXXX Report or both. The most interesting thing is ; as explained by one Credit Union Branch Manager is this : " We can not see what is on the report ( why I am on the report ) we only see that you are listed in the XXXX database based on your Social Security Number and persons listed on the XXXX report ca n't open an account even if it 's paid off, and she went on to say that most banks and credit unions use this method to determine if someone is eligible or will be allowed to bank with them. 

This is so unethical ... I made a mistake, I paid the debt ... because that was the right thing to do and I still can not open a bank or credit union account like a normal citizen. I pay all of my credit cards on time, as well as my car note and I make a decent salary and have to do my banking via a Debit card, and I am tried of this. 

Once a person is listed with XXXX it stays in the system for 7 years. Considering I had never had any banking issues outside of this matter with Bank of America or any other bank I should not be held in some type of " Digital Debtors Prison '' for 7 years. 

XXXX is listed on this report as well, and no one can explain why. I applied for an account I was initially approved, I made a deposit, and a week or so later I was denied and my deposit was sent back to me in the form of a check. There were not any transactions what-so-ever so XXXX should not even be listed because it makes it look as if I did something wrong ; it reads ( closed for cause -Purge ) what cause? Cause they are part owners of XXXX with Bank of America?

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