Report: #1400217

Complaint Review: Bank of America

  • Submitted: Fri, September 15, 2017
  • Updated: Fri, September 15, 2017
  • Reported By: PsychoMermaid — Huntsville Texas USA
  • Bank of America

    Nationwide
    USA

Show customers why they should trust your business over your competitors...

 I opened an account online through Bank of America 3 days ago because i am moving and i don't have a nation wide bank aside from USAA. I hadn't heard anything from them containing my account number so i called to find out what was going on. They told me my account was at risk of closure and said they closed it yesterday and their reasoning was they have the right to close any account at any time. I told her i havent even used it yet, there was supposed to be a transfer from my other bank for $250( the max limit they put for opening the account online. ) she couldnt provide me any reasoning aside from they are allowed to do it. I have a great credit score, nothing in collections, never had a late payment, i have never had anything like this happen to me ever. I asked her if that meant i was never allowed to have an account with them and she said unfortunately no you can never bank with BOA. So for no reason, i can never have a BOA account, ever. I guess ill just take my business elsewhere then...

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This report was posted on Ripoff Report on 09/15/2017 07:08 AM and is a permanent record located here: http://www.ripoffreport.com/reports/bank-of-america/nationwide/bank-of-america-nationwide-1400217. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
1Author
3Consumer
0Employee/Owner

Wells fargo made a business decision around 05/12/2015 to close my checking account which I had opened 3 weeks before this to close my account because of my so called harassment of their district manger lliar false accuser mentally deranged ashley hawthorne. Who has always stalked me and harassed me. And wells fargo don't want me as their customer anymore because of this deranged B****.

She should be fired fo lying about me which caused me to lose my account because my prior one was compromised, which is why i was told to go to a local branch to open a new one which is a outrage to only find out later when I called to check my balance i was transferred to a live wells fargo banker who told me my checking account was closed and a cashier check was being sent to me. Wells fargo is cruel to do this to people, let them get embarassed when they went to purchase something it would had gotten decline.

I was sent a threatening letter by dane chambers who stated that wells fargo was exercising their right to  close my account. But they wasn't exercising their right until ashley hawthorne ran her mouth and made a false 911 call to where i was taking care of my own banking business. 

Ashley hawthorne had no right to keep on interfer in my life or my own banking business and try to violate my civil rights.

Wells fargo act like judge and jury and condemned me and stating i was to never enter the phenix city location branch the one where I ran into ashley hawthorne. That is because the employees at the location branch are felon employees, to do such a dirty trick, to run me around and little did i know what dirty thing these employees and her was cooking up. 

Because i noticed them starring at me my last visit, then I notice the police showed up and i thought right away, that ashley hawthorne was trying to get me wrongfully in trouble like she had done before and had gotten away with it, but she was trying to do it again. I was unjustly treated wrong by wells fargo employees at this phenix city location. But the police didn't do nothing to me and they looked confused.

 

Wells fargo sure took action to write me a threatening letter and telling me to stay out of wells fargo. This is how dirty and a bunch of rats who are working at wells fargo. They wouldn't even listen to my side of the story about that I was the one being harassed by ashley hawthorne, she was harassing and stalking me but wells fargo wouldn't hear any of it.

 I can see why now ashley and chaz hawthorne decided to become bankers because they are protected under the law and the police would not charge them with anything but show ashley and chaz hawthorne showed them favortism just like how the phenix city district attorney and phenix city police and judge ruled in her favor.  

Ashley hawthorne said to me why don't i take my mentally retard son back in to my home. Like she had some type of authority over me and my son because of them being criminals at wells fargo bank enriching themselves with opening phony bank accounts. That is why she had such a demon smile toward me thinking that she was going to ruin me by charging me with harassment.

I was denied to file charges against her for her telling me that I needed to take my mentally retarded son back in my home. They didn't want to charge a banker with harassment because that would make them lose their lively hood. Well WTH they didn't consider my lively hood and i was the one being harassed and  victimized by this B****. 

And to add insult to injury the district attorney office demanded that I not sue them or rish being found guilty by the state of alabama and going to jail. So i agreed not to sue. But this is why ashley hawthorne thinks that she still can falsely accuse me of harassment and try to cause misery in my life. And another thing she pulled this stunt where she moved her family in their home after 3 renters had moved in and they to harassed me, because ashley hawthorne told them that she got me in trouble and that the police would do nothing to them. So they formed a opinion about me to. It was a living night mare.

This was a way for ashley hawthorne to come over there even though the judge told me to stay away from her, she wanted to make my life miserable. And her parents have unjustly condemned me and my son and they started to harass him showing him baseball bat and a finger gun which he filmed. I can see why ashley hawthorne gets her bully thugness. Her parents raised her to be a B****, because they too were nasty bullies to. Its no telling how many people they unjustly accused of harassing them.

They had such hate and malice against me because ashley hawthorne and chaz hawthorne was falsely accusing us to them saying we did this and that. That is why her father hated my son so much and he didn't do anything. Ashley hawthorne was jealous of me so was chaz because I was a single female living on my own and owning my own house, and not being dependant on a man.  That is what thise two married  B****** hated and they wanted me to lose it all by falsely accusing me.

And the phenix city police and the court was all directly involved in wanting to destroy me.  Ashley and chaz hawthorne couldn't stand me doing anything on my property. So falsely accusing me was the only way they thought that they could control me. They had gotten my other neighbor against me but i don't care.

The judge told me not to go around them. But this is what ashley hawthorne wanted was to keep me locked up in my own home and not have any freedoms. I hate and despise the judge to. He didn't take into consideration about what they called my son telling me to take my mentally retarded son back in my home. I was angered and outraged!  That everyone was against me and my son even them ashley hawthorne called him this hate slure and ashley and chaz hawthorne calling me the B word screaming it at me at the top of my lungs. This was all happening at 10:00 pm them being disordely conduct.

And the phenix city police sided with them and wouldn't let me file harassment charges.

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#2 Consumer Comment

You may still have a problem.

AUTHOR: Robert - (USA)

You stated you did the following....

I opened an account online through Bank of America...
I went to Wells Fargo the same day

Do you see the difference?  You physically went INTO Wells Fargo, where you only did the BofA online. 

It is very possible that this has nothing to do with credit history.  It could be that BofA was unable to verify your ID through the online verification they do, but it was a non-issue at Wells Fargo because you were phyically present. 

You can say this is wrong and you are pefect and have no conflicting information and it is just BofA's stupidness that caused all of this.  That may be so, but it also may be that something in BofA's verification did not match what you entered.

Perhaps you have a Credit Report Freeze or some ID Theft protection service that has blocked companies from accessing your Credit Report through online means.  Perhaps you entered your address in wrong.  Such as using Ave. instead of Avenue(for example). Perhaps you didn't use your middle initial(or did use it) and their data showed the opposite.  Perhaps it is 1 of 100 other verification points that did match.  Since this is dealing with ID theft, it is unlikely they will ever tell you the exact reason if this is the case.  Oh and this would be no different with other banks.

There is another possibility.  Perhaps there is something that did pop-up in your history that you are unware of.   Where even though you were able to "open" the account at WF their "risk" department may in a few days decide to close it out as well after they do additional verification.

The point.  Perhaps you should recheck your credit reports and do a bit more checking to make sure things are actually okay.  BofA will also most likely send you a letter in the mail that may provide more detail that they, again due to security concerns, can not tell you on the phone.

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#3 Author of original report

No problems here.

AUTHOR: - ()

 I went to Wells Fargo the same day I got told by BofA and Wells Fargo seemed more than happy to open my account with no issues. Now I wonder, will this bank of america thing show up on my credit history or anything? I dont owe any banks anything other than the low amounts i have on my credit cards. As for my $250 it still hasnt credited back to my account. They have until Tuesday or I am calling a branch manager or someone to get my money back.

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#4 Consumer Comment

You May Have a MUCH Larger Issue

AUTHOR: Jim - (USA)

If a bank like Bank of America tells you that you cannot ever have a bank account with them, then you may be in Chexsystems, whether it is by mistake, or by intent.  Chexsystems records all people who have stiffed a bank for things like outstanding overdraft fees (that's the most common reason people get onto Chexsystems) or for another reason.  If you are on Chexsystems, you won't be able to open an account with a major banking institution because all large banks utilize Chexsystems as a sort of alert system to not open a bank account with someone in that system...forever.  The reaon you didn't have that issue with USAA is because they don't use Chexsystems.  Neither do many local credit unions.

I would absolutely go to a BofA branch and confront them in person as to why they can never open an account for you and I would question them specifically as to whether you are in Chexsystems.  If you are, then you need to get figure out how you got into the system and how to get out, because Chase, Wells, and any large national bank also will not open a bank account for you for that reason.  If not, then perhaps the person who told you that is a jerk, but better to be safe and be proactive in order to get yourself out than sorry when another bank says you can't open an account with them.  Best of luck to you.

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