XX/XX/XXXX, I had a personal checking and savings account with Bank of America in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by BOA XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall boa refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because boa has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to boa but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way. 
