Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Ive been a Bank of America customer for over 20 years, an institution in which I have XXXX accounts ( saving and checking ). From day 1, Bank of America knows that Im not an American citizen and that I dont live in the United States XXXX My billing address is set on an address in XXXX XXXX, but my residence address is in XXXX, XXXX. However, I do have a Social Security number. 
Even though they knew this since day 1, they gave me a credit card 20 years ago because I have a Social Security Number that I obtained when I lived in Delaware during my XXXX at XXXX XXXX XXXX XXXX University. 
I always kept my contact and personal information updated and every increase in my credit line was given to me by Bank of America and not requested by me. 
In time, Bank of America offered me a second credit card, precisely because I live in XXXX and that would allow me to use this credit card outside the United States without paying any commissions and earning points that later I could redeem. I used a built Score Credit that according to my last XXXX Statement is XXXX points ( on the borderline between good and very good ) because I kept using and paying on time both my credit cards. Until this date, I have XXXX $ of credit in each of my credit cards. 
My credit cards started to decline every time I tried to use them in XXXX with no warning or communication received from the bank via email or mail, and it was in mid-XXXX  that I received a letter in the mail in which Bank of America informed me that because of a recent review of my personal information, they needed to checked my identity and requested some documents that, because the know that Im not an American Citizen, is impossible for me to have them, such as XXXX Income proof date in the last 30 days ; XXXX Tax reports ; XXXX Any of the following documents : public services bill, bank account statement, Social Security Card, Tax Payer Card , American or foreign Passport or birth certificate. 
I consider this treatment that I received from an institution of which I have been over 20 years a loyal and legal customer, that never had any problem, never did any illegal activity, never lied about my non-American citizenship or my nationality, an overwhelming discriminatory act of Bank of America, not to consider that affects me deeply in my family economy. 
On XXXX I sent to Bank of America the following documents : - Social Security Card. 
- XXXX Passport. 
- XXXX Birth Certificate. 
- XXXX Resident ID. 
- Income proof but it is older than 30 days. 
- XXXX Taxpayer ID. 
- Bank accounts statements. 
I couldnt send a United States Passport, public service bill, or Taxpayer Card because Im not an American Citizen and I dont live in the United States XXXX 
Yesterday I called to see if they had received my documents and if it was possible to activate my credit cards, and the response I received was that my credit cards were closed because they considered that the documentation sent was not enough. As I said earlier, this is an overwhelming discrimination act of Bank of America to me as a customer. 
I bring this complaint to you because I request and demand that Bank of America activate my credit cards or issue new ones because the reason for requesting some documents to verify my identity was an excuse to close my credit cards. I consider that theres no reason for them to make such a decision.

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