Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau, et al, Re : U.S. DoJ : XXXX, XXXX, XXXX FTC : XXXX CFPB : XXXX ( Nevada Division of Insurance ( NV DOI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX Family Courts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education, Federal Student Aid, XXXX  , XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  State Bar of Nevada, Nevada Division of Insurance ) XXXX XXXX BANK OF AMERICA CREDIT CARD ) XXXX ( Bank of America XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX, thus far , I received harassment emails from Bank of America , stating , The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. 

If I can not be sued, then why is a bank sending me mail to harass and intimidate me? 

Curiously, XX/XX/XXXX is also the day that the CFPB posted the article to the CFPB website, CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts ( https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ ), as if Bank of Americas illegal business practices and protection of the illegal business practices are meant to coerce me to cooperate with Bank of Americas illegal business practices against myself and the American People.

Despite my myriad reports to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the U.S. Department of Justice ( US DoJ ), the U.S. Government Accountability Office ( US GAO ), et al, a bank is premeditating libel of me and/or has committed libel of me to credit reporting agencies as defamation of my character, with the extortion of money paid from me to the business to prevent businesses actions against me. 

XX/XX/XXXX, creditors chose to charge off my accounts, the debts of which accrued from attorney malpractice and the violation of my Civil Rights in and by a court of law, and vehicular collision insurance fraud, resulting in this ongoing harassment, libel, defamation of my character, extortion, and stalking of my home, my person, my U.S. mail, and my online activities, while businesses generate revenue from my tragedies.

Is it because Bank of America would like to be sued for the above transgressions as I have factually documented, reported, and which remain unresolved?

As a repeatedly defrauded consumer and ongoing victim, when will I receive the rights and protections granted to me by the law and the U.S. Constitution?

Wave your magic wand, tell your manager, whatever it is you all need to do to disentangle me from this systematic exploitation of my identity, and to be certain, without a shadow of doubt, that it never happens to me again. 

This is XXXX XXXX XXXX, XXXX, easily exercising his Constitutional rights and Constitutional challenges to Statutes of Limitations without hiring a lawyer or lobbyist. 


XXXX XXXX XXXX, XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

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