Consumer complaint received 2025-03-25 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:
Hi my name is XXXX XXXX and I am XXXX. When I was in high school around the age of XXXX I was applying for multiple jobs with no luck on indeed. One job reached back to me and It was a job online. They scheduled an interview with me the next day and was doing everything professionally. They asked me things like " do you have stable WIFI '' or " do you have a computer to do everyday task '' I said no and they offered to buy me a computer and told me i need to buy it from their distributer ( link ). They emailed me a check and i printed it and scanned it into my bank of America account. I told my mom I finally got a job but she was suspicious and told me to call my bank. After I did bank of America told me it could be a chance that it is fraudulent and that i should wait a week after I got the check. By the next morning I got the check but waited it out. The " job '' started calling me and spamming me saying I need to send the money to this account now so they can buy me the computer etc. I declined and they said things like " This is why XXXX cant help you people '' etc. By the next day the money was gone. So i told my mom that I gave them all my info that a job would request like my social security number, house address, etc. I was scared my account information was going to get stolen and opened loans. We called social security and they said since I was under XXXX nothing could be opened under my name. about a year or more later I ran into the same instance where the jobs said I need to do this and that. I grew from my last mistake and said I would not give them my social security so nothing could happen. They made me open bank accounts like fidelity etc. I told my brother at XXXX about it and i allowed him to log into my bank of America account. Seeing he does forex trading and said he would buy me a car for {$10000.00} I let him onto my account and by the time bank of America fraud department was calling me. I told them it was my brother and the lady on the phone was like " oh really okay, give me one second '' I waited for about 10 seconds hearing her click away, When she responded back she said " Thanks for banking with bank of America, if you have any concerns please call ''. I tried signing back into my account and it would not let me no matter how many times i reset my password. I said whatever and brushed it pass since I had no money either way and I owed a little bit on the credit card, and said this will be a issue for another time. Next week I went in person the lady at the front desk tried helping me, she gave me a concerned look and said the person she is on the phone with said I can not bank there no more, I asked why and said she doesn't know but I can bank with them in the next 4-10 years. I walked out and went to another banks like chase, capital one and others. They gave me the same answer and said I could not open an account. I think this is unfair seeing I did not do any suspicious activity on my account other than letting my brother into my account and I did not spend the previous check that came to me. I can not have a bank account or credit. Seeing I am XXXX and wanting to desperately move out my toxic household I can not because I do not have credit history due to a bank customer service not hearing what I have to say. Currently I Just started working again and only can use cashapp. I don't know what to do seeing that everything requires a credit history. The main reason I still did not go through will help further on this because I was under stress from my household and as well school. I no longer go to school but started working again and would like a bank account to start building my credit.

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