Consumer complaint received 2015-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2012 I opened a Checking and Savings account at Bank of America ( BOA ). With this account I elected to get direct deposit from my payroll at XXXX XXXX. I own a XXXX using my XXXX. I go to the auction, find reasonable used cars, if any repairs need to be performed then I will get them done to quickly sell the vehicle. XX/XX/XXXX I was referred to by my sister that she had a friend and coworker who was in desperate need of a cheap vehicle. I meet the young lady twice before. She decided that she wanted to by a ford escort from me. Because of her relationship with my sister I took a check from her for payment. The check amount was n't even the full amount for the vehicle but I took it anyway because she was a friend of the Family. I went to the drive thru and deposited cash and that check I received from her. That night my payroll hit my account. Two days later I withdrew cash out of my account to pay bills. I also used the debit card to pay bills online. Almost 3 days later while on my way to work I attempted to buy gas with my debit card and it was declined several times. I then went to the ATM to find out that my transaction was also declined. I immediately contact BOA customer service and then I was transferred to another department. Once I got someone on the phone they asked for pertinent information to identify me. The representative put me on hold for 2 to 3 minutes then came back to inform me that my accounts was closed due to the check I deposited. The funds were not available or the account was closed. I explained to the representative what happened, and who the person was that the check originated from. The representative then went on to explain that the account was too new and that BOA had a right to cancel my accounts at their own discretion. She then told me that I should immediately STOP my direct deposit from coming to the accounts because I would n't have access to it. Because of BOA closed the account the final balance reflected a negative balance because of the returned funds. I did n't find out about the negative balance until months later. It reflects that I owed BOA {$130.00}. It was discovered while trying to open another bank account to handle my commerce. It has been 3 plus years and to my amazement after trying to open an account at XXXX XXXX, I was advised that my file ( XXXX ) contained information pertaining to the amount owed, and that I am in a SUSPECTED FRAUD STATUS!!!! I immediately contacted XXXX and disputed this information 3 separate times. I filed a dispute that reflected that a smaller balance of what they were reporting and of course, I in no way, shape or form defrauded them in anyway!! It 's over 3 years and I can not open an account ANYWHERE while having these Exaggerated Lies about the relationship with them. I contacted XXXX several times for them to just send back that the information contained in my file is correct ACCORDING TO BOA, and that it will remain. I then contacted BOA just to learn that the information they had was incomplete and Vague as well. After the conversation with boa they refuse to remove that negative information even though it did n't make any sense to the representative. Again, I want to buy a house, and would like to have a banking institution to handle my financial affairs. But boa blacklisting my name has hindered my ability to operate in normal fashion to our nation 's Infostructure. Everything I do pertaining to banking has to be performed through a prepaid debit card or cash. I believe that boa uses their influence to keep customers from operating in normal fashion because of funds owed to them. I Reiterated That in no way I owe them {$400.00} and definitely did n't or would n't FRAUD them out of anything. Please help me with getting this slander removed and bring me justice and closure to this nightmare.

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