Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have made many mistakes when I was younger and XXXX of them was with Bank of America .Last year I deposit XXXX checks in around XXXX and XXXX in XX/XX/XXXX, I Did a mobile deposit through my phone and it gave me an error due to bugs on the mobile application that Bank of America provides for clients, also my phone was n't the best one which I discovered after XXXX attempts at using the convenient mobile application that Bank of America provided for me to use as a convenient way to deposit and check my accounts. 
According to Bank of America I then tried to deposit the check in my savings or checking account through the ATM it also gave me XXXX balances which led me to overdraft the account once the checks cleared. The amount of XXXX was the amount overdrawn. This was all done on accident which I had explained to The Risk department and The Recovery Department at Bank of America. I Also asked for statements and transactions to be mailed to me showing these movements. The Representatives that assisted me had no knowledge of what was happening, all I have been trying to do is pay all my debt to all the banks and financial institutions, I am really trying to get my life straight I am a XXXX, I am XXXX and looking for a job. I 'm trying to get ahead in life and better my chances to having a bright future. Bank of America is Reporting that I am A High Risk Fraud, according to XXXX XXXX Bank, This was displayed to me By A XXXX XXXX Bank Branch Manager, he showed me the screen after running my social security number. I did not commit fraud, and they refuse to show me or explain to me what evidence they have to be reporting that I am a high risk for Fraud, I recently got a consumer report from XXXX and they have reported Abuse on the account, but not Fraud, so I do n't understand why this bank is reporting me as Fraud to all the Banks, I called call check systems on XXXX to verify what I had seen on the XXXX XXXX Screen when I applied for an account with them, and they said that there is nothing reporting under Fraud only under Paid In full and the reason I was on XXXX is under the category of Account Abuse for the overdraft that was not paid. This is highly affecting my personal Life and my financial situation. Please help me in resolving this. I do n't have money for an attorney at this time and I feel like no one is helping me resolve this I am honestly trying to do the right thing by paying my debt and I do n't believe this is not fair for Bank of America to Call me Fraudulent and report it to other banks, and yet not be able to send me proof of this or to notify me that my status with them is Fraud, I feel really disrespected and I felt like I was treated wrong they are holding information form me but reporting it to the banks this does not make senses to me. Why would they say I 'm a High Risk for Fraud and not have it on file it 's only being communicated through banks not XXXX. I do n't think it 's ok to get a report with a status on this account as Abuse, but then go to a Bank and find out that its more than just Account Abuse, but Fraud. I Honestly hope you can help me with this or refer me to someone that can, I will continue researching and reaching out to any Government agency that can help me with this Injustice. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation