Collision events caused negative w/ Bank of America . Constantly over drawn & " maxed-out '' both credit cards. BOA continued over drawn so keep collecting transaction fees. Worked w/ great manager at branch & able to get fees credited back so would not owe BOA so much money. Victim of fraud w/ BOA XXXX XXXX because online dating site, XXXX & ignorance. Person dating sent me money orders which BOA cashed & deposited. Used to pay bills etc. Receive call next day saying money orders counterfeit & account frozen. BOA insisted months & months needed to pay back over XXXX due to fraud & being overdrawn. I Worked w/ local police in XXXX XXXX XXXX FBI XXXX XXXX of XXXX. I repeatedly told BOA I could not pay & I felt not responsibility pay back considering everything. BOA RECENTLY IN XXXX wrote off approx. XXXX. However, filed w/ XXXX , third party, " Delinquent '' & BOA wrote off approx. XXXX. All financial Institutions use XXXX, XXXX XXXX , & XXXX XXXX. XXXX tied to XXXX . Went to open bank Account w/ different bank, told not open account due to XXXX ' Data provided by BOA . Told only BOA power send letter or update information to XXXX. Spent hour branch of BOA in XXXX w/ manager & Supervisor of Escalation Department of BOA via phone conference XXXX/XXXX/XXXX. Agreed considering all event etc. BOA would escalate " Letter of Good Standing '' in spite of history XXXX since customer since XXXX & in great standing until XXXX XXXX. " Letter '' received other day NOT letter & did NOT contain information agreed upon. Filed response complaint to BOA including parties involved phone conference XXXX/XXXX/XXXX. Re-submit request & send new " Letter '' reflects agreed upon. Since XXXX XXXX ; moved, bought car, good job, slowly paying debt, local attorney consult, negotiated w/ creditors etc. BUT, BOA keeps " XXXX '' around. Because of BOA, can not open any bank account, credit score good to horrible, ca n't get credit, using son 's bank account I am custodian to cash paycheck, buy money orders, pay bills & pay cash other items. Do this every two weeks. Ex-husband & I sale our land & house in XXXX, WA. Currently & finally sale pending. Explained to BOA provide letter, I can submit " dispute '' to XXXX release " bad '' report from BOA so open account for Escrow when sale closes XXXX XXXX. Told wanted account by XXXX XXXX. Told BOA after close house & have money, will repay approx. XXXX THEY WROTE OFF, STILL INSISTING upon. " cart before horse in order to give horse ''. Tired of financial Institutions " XXXX " American Public, especially right now. Told by banker reason power of XXXX & XXXX expansion of power due to expansion of power of Patriot Act which one reason Financial Institutions NO way over-riding & making decisions whether to open account. Patriot Act, REALLY, US citizen, born/raised, play rules, work hard, law abiding etc. XXXX year old divorced Mom,XXXX year old boy & being denied right open bank account, apply credit due to being victim of circumstances ; fraud to me by other & indirectly to BOA , divorce, & recovering from recession. What entity over sees XXXX & XXXX ? America? America has become ; considered " delinquent '' by BOA, possible terrorist to Financial Institutions, risk to Banking System. REALLY. Only risk expanded power of Patriot Act, XXXX, XXXX , Financial Institution. XXXX Bless America. I need assistance, direction, advise, information, CHANGE & BANK ACCOUNT. Thank you in advance for your assistance. I look forward to your response.