Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please make a note of the following text : On XX/XX/XXXX, I submitted a complaint regarding the closure of my bank account and requested it to be reopened. A few days later, I also submitted a complaint against Bank of America regarding fraudulent activity. I had evidence of fabricated bank statements that appeared to be from Bank of America. 

Below is the correspondence : Company 's Response *Our records show : You previously maintained a BofA Core Checking account ending XXXX and a Regular Savings account ending XXXX at Bank of America XXXX On XX/XX/XXXX, you made an XXXX XXXX XXXX XXXX XXXX XXXX Starter Check deposit at a Bank of America XXXX for {$1100.00}. Bank records show a XXXX XXXX XXXX in the amount of {$1100.00} on XX/XX/XXXX. This means that the funds were debited from your checking account. The funds were returned unpaid because the deposited item was returned as irregular signature. We made the decision to end your deposit relationship with us, and the letters dated XX/XX/XXXX, were previously mailed to you to the address on record to inform you of this decision. This letter provided you with details about the restrictions that may be placed on the account during the account closure process and advised you that we may report our closure decision to consumer reporting agencies such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The relationship between a bank and the client is a contractual one, and under the terms of the XXXX XXXX and Disclosures publication ( the XXXX ), we have no obligation to disclose our reasons for closing the account. Please refer to the section titled Account Closures, Transaction Delays and Conversions/Changes to Account Settings in the Agreement for more information. The XXXX is available to all clients on our website at bankofamerica.com/deposits/resources/deposit-agreements.go. Based on our review, we have not identified a bank error in the management of your account. We have maintained your account in accordance with the terms and conditions of the XXXX, which form part of the contract between the bank and our clients. We have confirmed that as of the date of this letter, the accounts are not reporting to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The enclosed correspondence dated XX/XX/XXXX, was sent to you to advise these accounts are not being reported on your file. During a XX/XX/XXXX, phone conversation with you, I advised you may apply for a deposit account however, if the bank inadvertently allows new deposit accounts to be opened, please understand that they may be closed at any time and without warning. Further, we discussed Bank of America is unable to address your concerns related to any other servicers, as some of the information included in your inquiry does not pertain to Bank of America. Please understand that Bank of America is unable to comment on any actions or communications by unaffiliated third parties. In addition, please know that we are unable to address concerns regarding clients or clients accounts that you are not authorized on. At Bank of America we pride ourselves in the diversity of our clients and employees, and we take claims of discrimination very seriously. Bank of America is committed to non-discrimination, diversity and diversity education. Based on our review of this matter, we have found no indication that discrimination was involved in this matter I would like to thank you for taking the time to express your concerns. At Bank of America, we make every effort to exceed our clients expectations on a daily basis. I regret that you have been dissatisfied. Please know that your feedback is valuable and has been retained to ensure we are providing the level of service our clients expect and deserve. 
ATTACHMENTS Personal Schedule of Fees XXXX ( XXXX KB ) XXXX FRL Badichi.pdf ( XXXX KB ) Deposit Agreement and Disclosures XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS I don't understand why they closed my bank account and why they won't let me reopen it. As I've mentioned before, I have no involvement in any type of fraud or signature fabrication. If I deposit a check that was given to me and, unbeknownst to me, there was an issue with it, I don't believe I should be penalized for that. The person who wrote the check should be responsible. I consider myself a victim in this situation and I believe that there is discrimination here because at the time I opened the account, I was an XXXX and today I am a XXXX XXXX. There should be no reason I should be unable to re-open the account. I am still requesting BoA to provide a clear, fair, and honest explanation as to why this account was closed and why I can not re-open it. I want to appeal this decision and I would like it to be reconsidered. 



-- - I want to emphasize that the lack of information provided by the company about this situation is clear proof that the company does not investigate fraud properly and is quick to jump to conclusions without fully looking into complaints. Why should I be penalized for depositing a suspicious check when I had no involvement in creating it? I was simply trying to earn an honest living and was paid for my work. There was no reason for me to believe that the check was suspicious, especially since I was an XXXX  with poor XXXX at the time. I was discriminated against because the Bank of America didn't think I was intelligent enough to understand the situation. As a XXXX of the United States of America now, I can see how wrongly I was treated. There is no evidence that the bank ever investigated the check beyond simply closing my account. They can not provide any proof that they looked into the situation. When someone deposits a suspicious check, a thorough investigation should be conducted not only towards the person depositing the check but also towards the person who wrote the check. This wasn't done, and I was penalized for something I had no part in. Furthermore, when I reported a real crime with concrete evidence to the Bank of America, the bank responded with deafening silence and then the exact response I got for the complaint about my bank account being closed. When there is an actual crime at hand, with real proof, evidence, and backing, the bank turns a XXXX eye for the sake of keeping their name clean. Meanwhile, when innocent people are given a tough break, they penalize the little people with no remorse and no reasoning.

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 non-monetary relief