Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Today XX/XX/XXXX XXXX walked into BOA XXXX XXXXXXXX XXXX XXXX XXXX TX location to open a NEW checking act. While there were 2 people sitting in lobby, I proceed to sit in lobby. After approx. XXXX min, female came up approx. more than 12 feet away, looking directly at me asked " how can I help you? '' I said " I would like to open a checking account ''. She said follow me, she walked over to a open standing desk & a computer near the front door. She said " you would like to open a checking? '' I said yes, okay can I have your social security number. I provided it to her. Your name, provided, okay I see you had an account with us XXXX and XXXX ... I said YES. I mentioned I went online to open a checking over a week ago & never got an answer, she said it was probably lost. She then said-we don't have time to open a checking account ... .AFTER SHE TOOK ME PERSONAL INFO. I said you have plenty of time, she said no, we have 2 customers waiting. I said so why you pull me here & take my personal info and suddenly decide to tell me you don't have time to open a checking? She said I'm sorry, you can come by tomorrow but you need to set an appointment. I said what is your name? She refused to provide it to me and handed me a business card-XXXX  XXXX  , Officer, Financial Center Manager XXXX XXXX XXXX XXXX XXXX TXXXXXXXXX XXXX XXXX XXXX. I informed her I would file a complaint-she said I'm sorry you can come back tomorrow & smiled at me. CFPB My rights have been violated. First of all, XXXX XXXX asked me how can she hlep me as I clearly stated to her -Open a checking Account, at that point while sitting in lobby ; SHE SHOULD HAVE stated, IM sorry, we dont have time to open a checking act... but she didnt do this. Although I feel XXXX pm was sufficient time to open a checking act, bank closing at XXXX, 2 customers ahead of me. WHY did she ask me to walk to a standing desk, then ask me for my SOCIAL SECURITY # and NAME if she didn't have time to open a checking? Was I not the right the right race? I did notice all XXXX staff as they turn down XXXX Americans is the question? I'm confused. WAs she XXXX profiling? YES I WILL FILE A CIVIL ACTION COMPLAINT, I would like to know the demographics of XXXX Americans, and XXXX  that applied for loans and checking accounts as I feel this bank treated me and denied me to apply for a checking for no GOOD REASON, requiring me to provide my personal information and then come back to tell me its too late to open a checking account? CLEARLY UNFAIR TREATMENT. Due to the UNFAIR TREATMENT BOA NEEDS TO DEPOSIT {$500.00} to my new checking account due to their ILLEGAL ACTIONS and owe an apology.Until they decide they want to treat people fairly, they need to be accountable for their actions ; as this is not okay with me. I drove to another XXXX XXXX BOA and opened a checking with no issues and unfair treatment same day. How many others were turned down to open a checking??. One thing I do know ... anyone can walk in to open a checking ; WHY would " I '' be required to " set an appointment '' when others have options to " walk in : and open a checking? XXXX COUNTS OF UNFAIR TREATMENT and all XXXX staff treating others unfairly, not okay. Have they allowed other races to work at this location? How many others have they turned down like myself, this needs to stop and this bank need to be audited.

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