Consumer complaint received 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello I had a bank account with Bank Of America, the account was changed to an online E account after spekaing with an agent there and explaining my financial situation, it was decided it 'd be decidingly the best approach to avoid fees. 

Upon making the desired change the agent told me flat out that the account would n't be subject to closure for as long as I did n't make any such requestNow upon a conversation with BOA client solutions as well as their Account re-activation team the account was closed because it went dormant, well that 's not a surprise but I told the agent who made my account change that I may have no choice but to not sue my account for a long time while I pay down my debtload, and that 's why he suggested the E-Service Bank account. 
Now what makes this interesting is, I did n't clsoe the account my self, it was done by the Bank it self, I did n't receive any notifcation or statements via e-mail from the bank the account was going dormant and as per their policy, my information is onfile with them for 7 years after an account closes, and they told me from their own Re-activation team since there 's no balance owing, their XXXX team should be able to fully restore my account. 

See i 'm actually a XXXX citizen and when I opened my account it was less restrictive for account opening policies, I had used my Passport to open this account, as well as a ID card and some other id, I had no issues at all and I was able to use my XXXX address to open it, Now I 've been told that the rules have apparently changed and a XXXX address is required to open a new account, Bank OF America states this is becaus eof the XXXX, well you no what I 've been a member of XXXX Bank and XXXX Bank in the XXXX and they say they 'd be more than happy to use my XXXX address to open my bank account with the correct ID, this policy is discrimatory a person should be able to open a bank account anywhere if there Identifcation is verified ( which is all government issued anyways ). 
The fault here lies with Bank Of America for failure to notify me as the status of my account status, even my online account still works. 
The account now that I had with them is no longer being offered by the bank and that 's fine I do n't mind switching to their Core cheqing account. 
Also another matter is the account where I opened this account XXXX XXXX, Me closed down XXXX years ago, as Bank Of America decided to close down a few locations, so I would like to no if this had any bearing on my account as well, as my home branch was shut down and I had no indication of where my new branch would be located. 

The branch in question was XXXX hours away from where I live in XXXX, NB, XXXX, now the closest is in XXXX, which is 3.5 hours away. 
According to Bank Of America, my last activity on my account was in XXXX of 2011, it shut down I beleive in XXXX of the same year, well as previously stated I was paying down debt told the agent my intent and was told no problems would happen as my account was a new account and not the old Myaccess account I used to have as XXXX XXXX Keep the CHange Savings. 
Now my situation is even more burdensome as mentioned now because of the Banks new policy towards non resident aliens, the fact the bank is now requring me to have a full time u.s residency is absurd, thousands of XXXX and others visit the XXXX and open Bank accounts in the XXXX and freely travel back and fourth and have bank accounts in both countries. 
AS stated they still have my XXXX account on file, and said they could re-activate a closed account if no outstanding fees, and they are failing to go on their words. 

Thank you.

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