Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I woke up on Thursday morning XX/XX/XXXX to not being able to log into my Bank Account. I have always followed guidelines and have never had an issue with the bank for four years since XXXX. This not only seemed to just happen to me but to others as well unexpectedly. When I first called Bank Of America about this they said it was because of Fraud on my account and did not specify if it was either Checking Account Fraud Or Fraud. Then when I called a second time they claimed that it was just a Business Decision and that the Bank Of America can close your account without notification which I understood from the first paragraph on page three of their deposit agreements and disclosures. After reading through this I learned that my Information was reported to early warning systems without my consent which already violates Code 15 of furnishing a consumer report without the consent of the consumer. I also dived into their disclosures and learned that nowhere on their disclosure does it claim that THEY CAN NOT REOPEN AN ACCOUNT if IT IS SUBJECT TO BEING CLOSED IF A CONSUMER DID NOTHING WRONG. This is my main reasoning that I would want to dive into because the person I spoke with XXXX XXXX whose contact number is XXXX XXXX XXXX XXXX said that I did nothing wrong on my account and It was just a business decision. In comparison when I called a customer service representative they said my account was being flagged for Fraud. This Conflicting reasoning is what I am trying to solve right now and sue BANK OF AMERICA if things are not resolved. I am not being given the truth behind my account closure and demand that I receive proper verification from Bank Of America as to why my account is being closed down. If Bank OF America can not Specify the exact Information I will be contacting federal authorities in the suite of law. There are many cases of closed accounts for no reason such as XXXX XXXX Bank Of America et al filed on XX/XX/XXXX which is still pending today. If this is what I will have to do to receive a bigger compensation from this bank I will. Bank Of America has also been prone to data and security leaks to its consumers such as the XXXX data leaks in Fall of XXXX that they tried to keep under the radar. Furthermore " Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. '' IF THEY CAN NOT PROVIDE THE SAME VERIFIED INFORMATION I DEMAND THAT MY ACCOUNT BE REOPENED IMMEDIATELY. In Conclusion, I REPEAT. If I need to consult Law Enforcement to Ensure I keep my account I will do SO FURTHERMORE INCREASING THE DISPUTES THAT BANK OF AMERICA NEEDS TO SOLVE FOR LOYAL CONSUMERS LIKE ME WHO HAVE BEEN WITH THE BANK FOR FOUR YEARS. BANK OF AMERICA HAS ALSO REPORTED FALSE MISINFORMATION ON MY EARLY WARNING SYSTEMS AND WILL CONTINUE TO SPREAD IT UNTIL CONSUMERS RISE TO TAKE A STAND TO DEFEND THEMSELVES. AN EXAMPLE OF THIS IS WHEN I FOUND OUT ANOTHER BANK SUCH AS XXXX XXXX XXXX WAS REPORTING ME EVEN THOUGH I NEVER OPENED UP AN ACCOUNT WITH THEM. 

Re : Dispute With Bank Of America Closing My Account For A So Called Business Decision Or Data Breach In Their System Which One Is It. 

The only time XXXX XXXX would call mw would be when I put a dispute so that they can solve it and put whatever Unverfied information they want to. This just shows they dont care about there consumers they only care about doing there Job which is just to repeat the same inaccurate information over & over again. When I explained that a Bank still has the ability to reopen a consumer account she kept on explaining the same statement that The bank can close your account at any time agreeing that it does not state that on their disclosure and deposit agreement where they cant reopen it. Because THE BANK OF AMERICA CAN REOPEN YOUR account. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX and explained that on the same day that I was flagged on my account for risk closure that I recieved a email from my span from XXXX XXXX saying that they are trying to deposit some kind of funds to me. I believeI am subject to one of Bank Of America Privacy Leaked information that they are trying to cover up by explaining that it was just a Business Decision on why they closed my account. I repeat this is not a surprise Bank Of America faced issues with data leaks concerning privacy and security in the Fall of XXXX. I am backing this inoformation based of the fact that when XXXX XXXX I made sure she confirmed three times that my account was not flagged due to fraud or anything else and that it was because of a business decision. This is when it got interesting because when I told her this information she immediantly began to say that Bank Of America does not owe me the explanation of why they labeled it as a business decision. I also confirmed this by asking her to send me the email of the reason they closed my account which she explained was for a Business Decsion. With this being a little too convienent to when my account was flagged for risk closure and recieveing this email I also want to report this information as legal evidence towards law enformcment investigations immediantly. For them to say Its a business decision is funny because I have had friends and family members who have had accounts with Bank Of America ever since I was born. This really supports my case because not only does it violate Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. '' but it also violates Consumer Privacy Rights which prohibits federal agencies such as banks from disclosing personal information without written consent from the individual. This type of Data Breach In their system is what people can sue up to XXXX XXXX XXXX for. I am resending my dispute to the office of the comtroller of the Comptroller Of The Currency and Demanding that force Bank Of America to conact someone out of there regulatory Complainst Systems Who can Actually fix this situation rather than repeat the same information more tham 3 times in a row. I am also sending this because I know that behind closed doors that XXXX XXXX is reporting only the information that the Consumer Of The Comptroller Of The Currency Wants To Hear & Not The Truth. Regardless of this I will keep on Pursuing Untill this issue is heard or When I sue up to XXXX XXXX beacuse a federal bank can not just explain there fault in this whole situation. For this to be happening In XXXXXXXX XXXX  is suprising because you would think they would want to fight for the Equal Rights For Each Individual as one of the core beliefs but it seems that money has turned this Banks to not Care what happens to its individuals. I even spoke to her about the Issues I was having with early warning services about the inaccurate information they informed me with and she continued to explained that the bank did not report any bad information when I repeatedly told her I could not get a bank account at XXXX XXXXXXXX. That was not even the most important thing as I believe the information that I am about to share will bring this case to my Favor as I believe she will not include this in your contact. When I told XXXX XXXX TO VERIFY THE INFORMATION OF WHAT WAS THE MAIN REASON THAT MY ACCOUNT WAS ON RISK CLOSURE SHE EXPLAINED THAT SHE NOR THE BANK OF AMERICA ARE OBLIGED TO SHARE THAT INFORMATION WITH ME. This goes against the Public Law 91-506 making me to win this case alongside my evidence if I were to report this to a lawyer that she tried to lead me against. This is where I said enough is enough. XXXX XXXX can post any information she wants but I am speaking from a consumer point of view who does not get paid to repeat inaccurate protocols. That is not what I will allow others facing the same situation as me to Succomb to as with me winning this case will provide hope & the comfort of knowing that if you rightfully know that did nothing wrong in anything you have done you deserve to be released from any situation such as a bank closing my account for no reason. To the person reading this I really appreciate the time you took to understand this case and hope you help me get my checking account reopen because I know it is not impossible, Nothing is too impossible for God to not resolve.

Below is the information She continued to repeat and where it states that the BANK OF AMERICA CAN REOPEN AN ACCOUNT. I am also attaching the pictures of the Email I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & When My Bank Of America Account was Flagged For Risk Closure On XX/XX/XXXX and I was given a statement by them in the mail a day later. I will also be providing verified information about the XXXX XXXX XXXX. What If I am apart of the data leaks that Bank Of America XXXX XXXX XXXX is trying to cover this will mean a huge case for everyone involved in it. The mail information from when Bank Of America Sent me the notice will be on the pdf sent through the fax or attached below in the dispute process.

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