Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX HEREBY ON BEHALF OF XXXX ACCEPT ALL TITTLES, EQUITY, AND RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA CLAIMS IT HAS A OBLIGATION TO REPORT NEGATIVE AND TRANSACTIONAL INFORMATION TO THE CRA. NOTICE IT IS UNDER 15 USC 6801 YOU HAVE AN OBLIGATION TO " PROTECT '' SAID INFORMATION NOT VOLUNTARY REPORT AND SELL IT TO THE CRA. NOWHERE IN FEDERAL LAW DOES IT STATE IT IS MANDATORY TO FURNISH CONSUMER INFORMATION TO CREDIT AGENCIES WITHOUT DISCLOSING THE CONSUMER RIGHT TO DIRECT THE MANNER OF SAID ACTION AND GIVE PRIOR OPPORTUNITY TO THE CONSUMER TO EXERCISE THEIR RIGHT TO OPT OUT. SHOW ME WHERE IN FEDERAL LAW IT STATES YOU CAN IN FACT DO THIS AS YOU WILL BE REQUESTED TO DO SO IN ESCALATION MATTERS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA HAS BEEN PRESENTED WITH CONDITIONAL ACCEPTANCE OFFER WHERE PAYMENT IN FULL WOULD BE MADE IF BANK OF AMERICA CAN VALIDATE WHERE TI GOT THE MONEY TO LEND TO ME AND TOOK A LOSS IN ITS BOOKS. BANK OF AMERICA HAS DISHONORED ALL XXXX ATTEMPTS TO PROVIDE THAT INFORMATION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BANK OF AMERICA WHERE THEY HAVE OBTAINED MY ORIGINAL CREDIT CARD ( ssn 15 USC 1602 ) WHERE A FINANCE CHARGE WAS CONDUCTED CREATING THE CREDITS THAT UNDER THE FEDERAL RESERVE ACT sec 16 BANK OF AMERICA WAS OBLIGATED TO PERFORM AND EXCHANGE THE APPLICATION DOLLAR FOR DOLLAR AND RETURN TO ME MY CREDITS AND PAY INTEREST ON UNDER 12 USC 1431. BANK OF AMERICA HAS OBTAINED MY SECURITY AND DENIED ME MY GRANTED RIGHT TO CREDIT DISCRIMINATING AGAINST ME UNDER ECOA -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- AS THE ORIGINAL CREDITOR AND ORIGINAL CREDIT CARD HOLDER DEFINED UNDER 15 USC 1691a BANK OF AMERICA HAS OBTAINED A SECURITY ON MY BEHALF AND HAS DENIED ME MY BENEFIT AND RIGHT COMMITTING SECURITIES FRAUD UNDER THE SECURITY EXCHANGE ACT OF 1934 AND IS IN BREACH OF ITS FIDUCIARY DUTIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT BANK OF AMERICA HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS NEVER DISCLOSED TO ME MY RIGHT TO RECIND MY APPLICATION WITHIN 3 DAYS OF APPLICATION WHICH NOW EXTENDS THE DEAD LINE TO 3 YEARS. NOTICE IT IS FACT THERE IS NO STATUE OF LIMITATION ON FRAUD!! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ONCE AGAIN UNDER MY RIGHT UNDER TRUTH IN LENDING I EXERCISE MY RIGHT TO RECIND AND REQUEST MY ORIGINAL CREDIT APPLICATIONS /SECURITY AND REQUEST ALL NEGATIVE REMARKS BE REMOVED FROM MY CREDIT REPORT AS DEFINED UNDER 15 USC 1681a2ii ASWELL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA YOU ARE HERBY PUT ON PROPER NOTICE OF YOUR VIOLATIONS THROUGH THE CFPB AND WILL HAVE AN IRS XXXX FILED AGAINST YOU BY FILING OF IRS XXXX XXXX AND XXXX

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