Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
XXXX FL XXXX 

XX/XX/2016

BANK OF AMERICA CORPORATION
PRINCIPAL ADDRESS:
XXXX - [ PRES. / DIR. ]
XXXX NC XXXX


REGISTERED AGENT:
XXXX FL XXXX


RE: BANK OF AMERICA
XXXX FL XXXX


XXXX COMPLAINT AGAINST BANK OF AMERICA EMPLOYEES:  FOR DENIAL OF BANKING SERVICES// UNDER CFR: TITLE 14 - CHAPTER V - PART 1250 - SECTION 1250.103-2 -  SPECIFIC DISCRETIONARY ACTS PROHIBITED/  VIOLATION OF FINANCIAL INSTITUTION CODE OF ETHICS GUIDELINES - FOR DISHONESTY, CONSPIRACY AND COVER-UP'S/ AND FOR BEING GROSSLY INCONVENIENCED



ON THE DATE OF XX/XX/2016.  I XXXX, WENT TO THE BANK OF AMERICA LOCATED AT: (XXXX, FLORIDA XXXX) TO CONDUCT A SIMPLE BUSINESS TRANSACTION.  UNBEKNOWN?  WHAT I WAS ABOUT TO ONCE AGAIN EXPERIENCE.  I PROCEEDED INSIDE THE BANK, WITH THE EXCEPTION OF CASHING MY CHECK.  UNFORTUNATELY, THE EMPLOYEES AT THE BRANCH HAD OTHER THINGS IN MIND.  


I OBSERVED THEM PROFILING ME, AS I STOOD IN LINE, AND WAITED, AND WAITED, AND DONE EVEN MORE WAITING.  APPROXIMATELY THIRTY MINUTES HAD ALREADY PAST.  THE THOUGHT'S THAT IMMEDIATELY FLOOD MY MIND, WERE...  "AM I ON AMERICA MOST WATCHED"?  I COULD ALSO SEE XXXX AND XXXX, (FROM THE NAME'S ON THEIR NAME PLATES) EXCHANGING WORDS.  EVENTUALLY, I WAS FINALLY CALLED TO THE SERVICE COUNTER.

XXXX SAID, "HOW MAY I HELP YOU"?  ..  AND I REPLIED, "I WOULD LIKE TO CASH THIS CHECK".  SHE ASKED, "DO YOU HAVE AN ACCOUNT WITH US"?  AND I SAID, NO!  AND SHE MADE IT APPEAR, AS IF SHE WAS TRYING TO PROCESS THE CHECK.  SHE ABRUPTLY STATED..."I WILL HAVE TO GET A MANAGER TO VERIFY THE CHECK".  SHE SIGNALED TO THE MANAGER, XXXX.  WHOM CAME OVER TO SERVICE COUNTER.  XXXX THEN BEGAN TO  EXPLAIN WHAT SHE REQUIRED OF HER.  AND HANDED HER THE CHECK AND MY CREDENTIALS.  XXXX, THEN LED  ME AWAY FROM THE SERVICE COUNTER, OVER TO THE ATM TELLER SERVICE.  AND ONCE AGAIN?   I FIND MYSELF, WAITING IN ANOTHER LINE.   SO, I EXPLICITLY EXPRESSED MY FRUSTRATION;...OUT, ALOUD!   AND SHE SUGGESTED, THAT I MOVE TO THE FRONT OF THE LINE.   
NOW THEREFOR, IF THE CHECK NEEDED TO BE VERIFIED BY A BANK MANAGER?  AND THE ONLY  WAY TO ACHIEVE THIS...  WAS TO COMPARE THE SIGNATURE WITHIN THE BANK OF AMERICA COMPUTER SYSTEM; WHILE PHYSICALLY VIEWING THE CHECK.   WHY THEN?  ..WAS I MISLED, TO BELIEVE, THAT IT COULD BE DONE AT THE ATM TELLER MACHINE.   AND WHEN I THOUGHT, THAT THINGS COULDN'T GET ANY WORSE?....  IT DID!  ..AND FOR NO GOOD REASON, WHATSOEVER... THEY INTENTIONALLY CAUSE THE ATM TELLER SERVICE TO SHUTDOWN.  AND IT SUDDENLY BECAME INOPERABLE.  THE ADDED DELAY'S WAS MANUFACTURED TO FURTHER INCONVENIENCE MR. MATTIS.  BECAUSE, THEY KNEW... THAT THEY WERE BEING DISHONEST.  


THE FUNDAMENTAL CONCERN THAT I'M HAVING ISSUE'S WITH , IS THIS?  EVEN THOUGH THE ATM MACHINE  PLAYED A SIGNIFICANT ROLE.  IT WAS NOT THE  PRIMARY CAUSE TO THE PROBLEM.  (IT WAS THE HUMAN FACTOR!!)  WHOM ORCHESTRATED AND CAUSE THESE THINGS TO HAPPEN.  SO, IF YOU (ELIMINATE OR MINIMIZE) THE HUMAN INTERACTION WITH BANK CUSTOMER'S.  AND INSTALL FULLY FUNCTIONAL AUTOMATED  ATM SYSTEM'S.   IT MAY STOP SOME OF THESE CLAIMS, THAT BANK OF AMERICA WILL FACE IN THE FUTURE.  


ANOTHER THING?...I DID NOT CAUSE THIS UPON MYSELF.   I WENT TO THE BANK FOR ONE THING, AND ONE THING ONLY!  AND THAT WAS?  TO CONDUCT MY BUSINESS, BY CASHING THE CHECK AND GETTING OUT OF THERE.  .  PRIOR TO THIS?  ON TWO OR THREE OTHER OCCASIONS, AT THIS PARTICULAR BRANCH; ...I WAS ABLE TO CASH CHECKS.   THAT WAS ENDORSED BY THE SAME ACCOUNT HOLDERS NAME, THAT'S PRINTED ON THE CHECK.  SO THEREFORE, IF THE CHECK WAS FORGED? ..(WHICH IT WASN'T.)  THE ACCOUNT

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 explanation