Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CFPB closed the complaint filed by me related to a Civil case filed by me Case # XXXX. They are avoiding providing information about the discrepancy in the card statements and value provided in their website. 

CFPB seems to be working hand in glove with Bank of America in this corruption. This is the second time CFPB has closed the complaint based on its discretion. 

Please forward the case filed to Bank of America without closing it on your own discretion. 

Bank of America hasn't provided a clear explanation for {$1.00} deposited into my account in XXXX. They have closed the previous CFPB case and provided a resolution letter without a writing anything about {$1.00}. I have opened a California Civil rights case in XXXX XXXX XXXX XXXX and this is related to that Case # XXXX I request clear explanation from Bank of America about {$1.00}. They have deposited another {$0.00} into my account again. ===================== I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case. Bank of America has closed the case the CFPB case XXXX again on XXXX XXXX without any detailed response. So I am logging a new case. They have mentioned that they haven't provided complete details to protect my privacy and they have sent it by postal mail. I request that the company investigate and keep the case open until I receive detailed resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation