Consumer complaint received 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Bank of America in XX/XX/XXXX after I had gotten my first check I was so happy because that was my first Bank Account. Bank of America is a horrible bank and does not care about its customers. I opened the account on XX/XX/XXXX. My account was closed on XX/XX/XXXX and the reason the account was closed is because the bank stated I was depositing bad checks, which is FALSE!!!! They're reporting false information to XXXX and I'm in the process of filing a complaint with the Attorney General Office. 

When I opened the account, Bank of America had a new mobile deposit feature so when I got my first check from my employer, I deposited that check through the mobile app and my funds were not available right away and I was worried. I then went to the branch " XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX '' I explained to the teller I just deposited my check through the mobile app and my funds are not available what should I do? The teller at the branch advised me to deposit my check with her and not to worry about the mobile deposit because it will cancel once I deposit it with her. I did just as she advised me and she also advised me next time I deposit through the mobile app, to give it 24-48 until it process. The next time I got my check I followed the instruction she gave me and waited 24-48 hrs however my funds were still not available and when I went back to her again I let her know my funds were still not available so she performed the same thing which was deposit it directly with her. 

After she did that the second time the bank credited me twice the amount and I wasn't aware which made me overdraft, once I over drafted my account the bank closed my account stating I was committing fraud and depositing bad check. These checks were coming directly from my employer there were no way I was committing fraud. My account had an overdraft of 200 and some change, which I paid in full. I was young at the time I didn't know what XXXX XXXX was or XXXX   when I got the letter from XXXX XXXX stating I owe money to bank of America I went back to the branch and ask the teller what was previously assisting me to explain this to me. She explained it verbatim " Once you pay this balance we'll remove you from XXXX XXXX in 7-10 business days so I paid that balance. 5 years later they have not removed me. They lied to me and on top of that they're reporting me for fraud, which I never committed. Not only Bank of America is reporting false information under my social security, they are also are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) XXXX-participating as consumer reporting agency [ ( p ) The term consumer-reporting agency that compiles and maintains files on Consumers on a nationwide basis means a consumer-reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 

However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. 

I've contacted the executive office of Bank of America and have been in contact with XXXX XXXX but she has not been helpful at all. They don't care to look into what the department is reporting whether it's accurate or not accurate. I'm a XXXX XXXX XXXX  and XXXX in XXXX it's embarrassing that I'm being reported for something that's not accurate!

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