Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CASE # XXXX This is a follow-up to my initial complaint as referenced above. Bank of America responded to you and to me ( letter attached ) but failed to address or resolve the issues I brought to your attention. I was reported to XXXX and to XXXX XXXX XXXX for an account that was closed due to a check I deposited that was returned on a closed account. It caused my account to go negative. As a college student, I did not have the funds to pay it off right away but did pay it a year later in full. I tried to get the this removed from my record with XXXX by writing to the bank and explaining that the check was written to me and I had no way of knowing it would be returned. The response I got was that it was something other than that check. In chexsystems I was reported for " suspected fraud activity '' and in XXXX I was reported for " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''. I tried repeatedly to get information from the bank as to what I did that made them suspect " fraud '' and I have never been able to get an answer. I have done nothing fraudulent! I have not benefited in any way from the deposit of a bad check that I had no way of knowing would be returned. I took responsibility and paid it in full so the bank has not suffered any losses as a result of what happened. I on the other hand have been unable to open an account at any bank and have " fraud '' associated with my name which is unacceptable. 
The response to my first complaint mentioned nothing about the reason they reported to XXXX or XXXX. In fact the letter I received says they " investigated '' my complaint and found that my checking and savings account were closed due to me depositing a check that was returned. It says my account was closed for non-sufficient funds " activity '' or unsatisfactory handling and then goes on to say that the report they filed with XXXX and ews was accurate and will not remove it. It makes no mention of any " suspected fraud '' or any " attempted transacting '' with another account. It does not explain in way why I was reported for those reasons. To be reported for non-sufficient funds is VERY different from being reported for " fraud ''. The implications are extremely serious. 
I would like for them to explain to me what I did that could be construed as fraudulent and also prove to me that I intended to commit fraud. If they can not do this, then I am demanding that they remove the damaging record from my name in XXXX and in XXXX. It is critical to me that I clear this from my name. I feel as though I have been accused of criminal activity and then convicted of it without ever getting to hear any evidence and then not being allowed to respond to it. It is unfair and wrong. I am attaching a copy of the letter I received from BofA in response to my original complaint and a copy of the XXXX and XXXX report so that you may review it as well. 

Thank You

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 non-monetary relief