Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
RE : Bank of America XXXX TexasI had just about given up. this complaint process is time consuming and my semester for the winter is about to begin for my XXXX program. The complaint has transformed into a fight with bureaucratic red-tape and stonewalling by the customer service members of BOA. Now I find out today that I can not open another account with any bank in Texas because my name has been flagged. I have gone through 4 -5 years of ID theft as a BOA customer and my credit has been damaged. Can not believe a Bank in the USA intentionally damages or allows its customer to suffer prohibiting the ability to recover from financial set backs instead of helping. In this context I decided to file this new complaint. Please see the synopsis of my complaint and supporting documents below. 
XXXX startFiled with OCCC TX : To : *OCCC Texas XXXX XXXXXXXXXXXX XXXX *Bank Pres. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX RE : follow up : Status Synopsis UrgencyI have written numerous times attempting to expedite this BOA investigation from XXXX XXXX, 2015 to present. The details have been elucidated in several emails but the resolution has not been implemented. As a result as mentioned in the previous email " BOA complaint : Status Synopsis Urgency '' dated XXXX, XXXX, 2015 ( about 30 day after my compliant ), the time has run out. This month services needed to run my household are out of time. Creditors have begun to implement prosecution by district attorney for returned checks and payments, termination/suspension of services, utilities, insurance coverage, cell service, phone service, home owners insurance, etc. BOA has even informed me that BOA mortgage will report XX/XX/XXXX missing mortgage payment to the credit bureaus and that they are not required to add an explanation i.e., detail of my complaint and reason why the automatic payment was missing. Accounts that are cancelled or will be this month XXXX, XXXX ( gas ), XXXX XXXX ( lights ), Water bill, A # XXXX XXXX XXXX XXXX XXXX XXXX service plan XXXX. Please see the attached listing of creditor 's late fees that in total to date exceed the original {$910.00} withdrawal. 
XXXX EndIt seems that there was a push to just finalize this complaint without really addressing the ID Theft issues suffered by me over the past 4 -5 years with BOA. The latest of which is outlined above. OCCC TX has not been engaged in this complaint as I would have liked. My next semester is just about to start so I eventually agreed to pay to being the accounts current with BOA and my creditors. I then tried to transfer my police pension to XXXX XXXX XXXX which is now being blocked. Really inconvenient during this holiday season. I agree that you can share this complaint with the media. Of the dozen or so BOA CEO executive team managers that I discussed this case with the last were XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with friendly but ineffective customer service. Please see the supporting documentation. 
Thanks, XXXX XXXX XXXX XXXX CFPB

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