Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America is the culprit in me not being able to open a bank account with all banks. I had a checking account with them for a long time. One year I went unemployed and had an small overdraft and could n't make that payment, so BOA continued hitting me with Overdraft fees every time that vendor try to charge my account. BOA ran up my account into a negative balance of {$750.00} and my account was closed. Later I opened my account again and got authorization by making payments towards it and was working and everything seem to go well until ... in XXXX, I got an job offer in an email stating that they will send me checks and all I have to do is deposit it into my account and send out check payments to business people in other countries and I keep 20 % of it. Well at the time it was n't made known to the public about this sort of thing and I thought it was a legit business on the internet to work a part time job for this company. So I deposited that check for about {$5000.00} dollars and I was waiting for it to clear so that I can write out those checks and send it out and keep my working fees. Well what happened was BOA closed my accounts again and stated that I was " fraud. '' I did n't understand why so since XXXX, I have lost my account with BOA. I called to ask why and they said ; that I was fraud because I tried to deposit a " fraud '' check into my account. I have the old way of Banking that when you deposit a payroll check from your job they get the fund from the employers bank and if they are no funds then it 's the employers at fault, not the employee for depositing the check into their account. ( not knowing that the check was bad ) This is what happened to me. Now I know if anyone gives me a check in the future, I call the bank that is listed on the check and verify if the check is good before depositing it into my account. So now BOA thinks I am the fraudulent person, when it was n't I that created the check it was someone else from the internet that sent it to me via mail and I was naive employee that thought I was getting paid and to payout a portion to other employees in other countries. Therefore, because BOA thinks I am the fraud when it was my employer that is the fraud for sending me the check and it was a good thing I waited for it clear, I would have sent out my own money and I would have lost lots of money in my BOA account. 
Now BOA placed my name with " XXXX '' and " XXXX '' preventing me from opening a bank account in my neighborhood so I can do my banking. It has been 3 years now and I could n't open an normal bank account to deposit my earnings and do normal American Banking. Furthermore, I have filed a Chapter XXXX Bankruptcy with the US Bankruptcy Court - XXXX Washington - Case # XXXX - Filed XXXX/XXXX/XXXX and Meeting Creditors was on XXXX/XXXX/XXXX and it was " Discharged '' BOA was included in my Chapter XXXX Bankruptcy. I have notified BOA Recovery and they have cleared all of my negative balances and XXXX them out, I no longer owe BOA anything. However ; BOA Risk Management has place in the " Red File '' and I can no longer re-open my BOA account anymore. BOA has place the " XXXX and XXXX '' against me, They refuse to remove my name from their files, even after my Chapter XXXX Bankruptcy that includes BOA. I need your help in telling them to remove my name from XXXX XXXX and XXXX so that I may bank again like every normal Unites States tax paying citizen of over 20 years now. I think it is unfair that I ca n't open a normal bank account with any bank because of BOA careless and their vindictive attitude towards me the American common people that needs a bank to save their earnings and earn interests and do my everyday banking needs. I need your help in getting BOA to remove my name from XXXX XXXX and XXXX please. 
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 explanation