Product: Money transfer, virtual currency, or money service

To the Consumer Financial Protection Bureau, Subject : Complaint Against Bank of America XXXX XXXX XXXX for Aiding and Abetting Bank Fraud and Embezzlement I, XXXX XXXX, a lawful beneficiary of the estate of XXXX XXXX XXXX XXXX and son of XXXX XXXX ( the Defendant ), hereby lodge a formal complaint against the XXXX XXXX XXXX XXXX at Bank of America. This complaint is grounded on their involvement in suppressing evidence and aiding and abetting the embezzlement of my trust fund distribution by my mother, XXXX XXXX, in clear violation of my legal rights and interests as delineated under New Jersey 's probate, trust, and fiduciary laws. 

XXXX. **Nature of the Action : ** This complaint arises from a breach of fiduciary duty, undue influence, fraudulent concealment, and abuse of power of attorney related to the estate and trust of XXXX XXXX XXXX XXXX XXXX as well as bank fraud and embezzlement facilitated by the Bank of America XXXX XXXX XXXX XXXX. The actions of the Defendant, supported tacitly and explicitly by Bank of America, have directly resulted in the misappropriation of funds meant for my maintenance, health, education, and well-being, as explicitly called for in the terms of the Deed of Trust and the Last Will of XXXX XXXX XXXX XXXX XXXX XXXX **Factual Allegations : ** The Defendant, exploiting her fiduciary position and in collusion with Bank of America 's XXXX XXXX XXXX XXXX, engaged in unauthorized financial transactions, including the opening of joint bank accounts in my name without my consent and using counterfeit documents. These actions facilitated the Defendant 's self-dealing and unauthorized withdrawal of {$200000.00} from accounts under my name, significantly impacting my financial stability. 

XXXX. **Failure of BOA to Address Fraud : ** Despite multiple attempts to address these unauthorized transactions through Bank of America 's internal investigation channels, I was met with systematic suppression and rerouting of my complaints to the very members of the XXXX XXXX XXXX team implicated in covering up the Defendant 's fraudulent activities. This not only hindered my efforts to rectify the situation but also facilitated the Defendant 's continued misuse of trust assets XXXX. **Aiding and Abetting by BOA : ** The actions of Bank of America 's XXXX XXXX XXXX XXXX, including the failure to properly investigate and address clear instances of fraud and embezzlement, as well as their direct interference in my attempts to seek justice, constitute aiding and abetting the Defendant 's misconduct. This has directly resulted in significant financial harm and emotional distress, undermining the fiduciary principles that should govern the administration of my grandfather 's estate and trust. 

In light of the above, I urge the Consumer Financial Protection Bureau to take immediate action against Bank of America and its XXXX XXXX XXXX  team for their complicity in these serious breaches of trust and violations of financial regulations. This action should include a thorough investigation into the practices of the XXXX XXXX XXXX team, appropriate sanctions for the suppression of evidence and aiding in financial misconduct, and restitution for the financial and emotional harm inflicted upon me as a result of these actions. 

Sincerely, XXXX XXXX