Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!! 
