Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18322490
Complaint Overview
Complaint ID: 18322490
Company: Bank Of America, National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information is incorrect
State: Nevada
ZIP Code: 89156
Date Received: 2025-12-27T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against Bank of America regarding discriminatory treatment I experienced at a branch, followed by the closure of my account and resulting harm to my financial standing. I entered a Bank of America branch for the sole purpose of cashing a legitimate check. During this visit, I was treated as a security threat without cause. I was questioned and scrutinized in a manner that was inconsistent with standard customer service and not based on my behavior or the transaction itself. I believe this treatment was based on racial profiling. Shortly after this incident, my account was closed. I was not provided a clear explanation, advance notice, or an opportunity to resolve any alleged issue. The closure disrupted my access to funds and has had downstream effects, including negative credit reporting and/or inquiries associated with the account. I dispute the legitimacy of any adverse actions, inquiries, or reporting tied to this incident. I did not engage in misconduct, and there was no valid business reason communicated to justify the account closure or any related credit activity. I am requesting that the CFPB investigate Bank of Americas actions for : * Discriminatory treatment in a branch setting * Improper or unjustified account closure * Any resulting inaccurate or unauthorized credit reporting or inquiries This situation has caused financial harm, distress, and damage to my credit profile. I am seeking correction of my credit file and accountability for the treatment I experienced. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #18322490 about?
Complaint #18322490 was filed against Bank Of America, National Association regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-27T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.