Consumer complaint received 2016-10-15
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 COMPLAINT AGAINST BANK OF AMERICA EMPLOYEES : FOR DENIAL OF BANKING SERVICES// UNDER CFR : TITLE XXXX - CHAPTER XXXX - PART XXXX - SECTION XXXX - 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 XXXX XXXX, 2016. I XXXX XXXX, WENT TO THE BANK OF AMERICA LOCATED AT : ( XXXX XXXX XXXX XXXX, XXXX 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 XXXX AND XXXX XXXX, ( FROM THE NAME 'S ON THEIR NAME PLATES ) EXCHANGING WORDS. EVENTUALLY, I WAS FINALLY CALLED TO THE SERVICE COUNTER. 

XXXX 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 XXXX. WHOM CAME OVER TO SERVICE COUNTER. XXXX XXXX THEN BEGAN TO EXPLAIN WHAT SHE REQUIRED OF HER. AND HANDED HER THE CHECK AND MY CREDENTIALS. XXXX XXXX, THEN LED ME AWAY FROM THE SERVICE COUNTER, OVER TO THE ATM WITH TELLER ASSISTANT. 
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 COULD N'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 XXXX XXXX. 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 WAS N'T. ) THE ACCOUNT HOLDER 'S WOULD HAVE FILED A CLAIM FOR THEFT. ( TO MY KNOWLEDGE? ) .... THE BANK EMPLOYEES HAD ALREADY CONSPIRED, TO NOT ASSIST ME, WITH GETTING THE CHECK CASHED. ... ATWHICH, I DISCOVERED LATER ON TO BE THE OUTCOME. 

BANK OF AMERICA EMPLOYEE 'S FRIVOLOUS REASON, WHICH THEY GAVE FOR THE DENIAL OF SERVICE, WAS? ... " THE SIGNATURE OF THE ACCOUNT HOLDER, DID NOT MATCH, WITH WHAT THEY HAD ON FILE ''. THIS IS XXXX

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