Secondary review?
Hi folks,
So, to make a long story short, BofA closed my consumer checking accounts due to a check being returned altered or fictitious erroneously by the originating FI. Fortunately, the issuer was able to contact their FI, and notify them of this discrepancy. I was lucky enough to get someone on the line in the risk department, that was able to put in the request for a secondary review, and they then were able to get ahold of the issuer and originating FI and confirm the info. Much to BofA's credit and my total surprise (as everyone on reddit makes it seem like you're doomed no matter what and there's never a way to level-set these situations), they sent me a letter a week after my request stating that upon further investigation they would be removing all derogatory info that was sent pursuant to the closure. Now, I had been getting denied due to this derogatory info for the last month, trying to open my LLC's checking account (understandably) (quite literally had truist open an account for my llc in-person, and close it the following monday early am, after opening it on a friday afternoon, made a 1500 cash deposit to open it too, i just now got that check for the balance. they'll open the account but not run the authorized signer until the next day? unethical in my opinion. you would think like every other bank DD would be done prior to account opening, and then re-evaluated within the days following, but always consumer reports evaluated prior to account number issuance), I called back in and they actually escalated things to the back office and both Chex and EWS have removed the info (have verified this thru chex's portal and called EWS).
My question is; I was able to open up a business checking account with BofA, which I know might sound nuts, but I was genuinely impressed by the fact that they actually did the due-diligence and didn't play any games, and I have awesome staff at my local branch (I enjoy actually going to the bank from time to time), it was opened in-person with no issues, made a significant cash deposit, and have yet to encounter any trouble. Is it all kosher now?