Consumer complaint received 2015-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
RE : XXXX XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau, CFPB : I am writing the CFPB in reference to fraudulent unauthorized activity on accounts I opened with Bank of America, BOA. The accounts reflect some person gained access to the accounts without My, XXXX XXXX XXXX authorization, tampered with the accounts by unauthorized usage and then a payment or credit issued on the accounts. 

On XXXX XXXX, XXXX, I walked into XXXX branch bank ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, Phone : XXXX ), to obtain a banking account. I was declined because of adverse Reporting of FRAUDULENT BOA\BANK OF XXXX accounts to the XXXX. These accounts being:1. BOA : On XXXX XXXX, XXXX, I opened an ebanking account ( account number XXXX, ebanking XXXX ) in order to obtain a visa debit card. The visa debit card was utilized to order an online Servicemembers civil relief act, SCRA, report, required by XXXX XXXX court ( located at XXXX XXXX XXXX, XXXX XXXX XXXX ) for A Landlord tenant case where I evicted a very problematic Section XXXX tenant, XXXX XXXX XXXX XXXX. A Legal judgment of possession against her, XXXX XXXX XXXX XXXX DOB XXXX XXXX social security number XXXX, was granted on XXXX XXXX, XXXX. I ordered the report online, Tracking number XXXX, for {$36.00}. 

The ebanking account was closed via online and via telephone once all the cash placed into the account was used, meaning EQUALS XXXX BALANCE. On XXXX XXXX, XXXX, I was being involuntarily held at a XXXX '' in XXXX XXXX COMPLETELY NOT OF MY CHOICE, and the balance on account reflected an unauthorized amount totaling {$570.00}. On XXXX XXXX, XXXX, a credit was issued to the account in the amount {$440.00}. I did not make any charges against the account totaling {$570.00} nor payments totaling {$440.00}. I was asked to pay a balance of {$130.00} WHICH I REFUSED BECAUSE I OWE BOA ... N-O-T-H-I-N-G. Again, I was unaware of any post-closure activity on this account until XXXX XXXX, XXXX. 

I walked into BOA branch ( located at XXXX BOA-XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) on XXXX XXXX, XXXX and XXXX XXXX, XXXX to inquire about the unauthorized activity. On XXXX XXXX, XXXX, I also walked into the BOA Branch ( located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) after XXXX BOA did not follow through when I initially communicated with them on XXXX XXXX, XXXX. The fraudulent activity and adverse reporting is unduly preventing ME, XXXX XXXX XXXX, from getting A Real Savings And Checking Account. 

2. On XXXX XXXX, XXXX, while at XXXX BOA branch, I was informed of a balance on My XXXX Brand New BOUGHT Fully Loaded Rover HSE, I voluntarily turned in some time XXXX. The reason : landrover car dealership ( located at XXXX XXXX XXXX XXXX NJ XXXX, XXXX : XXXX ) maliciously vandalized the vehicle. Their malicious mischief left the vehicle inoperable rendering the vehicle continuous servicing. My auto insurance, XXXX, policy number XXXX, would not honor the policy and repeatedly placed ME, XXXX XXXX XXXX, in dangerous and hostile environments when Coverage and rental reimbursement were readily available for My, XXXX XXXX XXXX, convenience. I contacted Bank of America XXXX XXXX, XXXX through their secured online website to complain about Faithfully honoring MY VEHICLE CONTRACT via timely monthly payment remittance for auto loan and auto insurance ; however, BOA and XXXX refused to honor their contract obligations. The XXXX BOA tried to get ME, XXXX XXXX XXXX to pay a balance of {$2900.00} on XXXX XXXX, XXXX.

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