Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ATTACHED IS FTC COMPLAINT XXXX ( this was emailed to XXXX XXXX XX/XX/XXXX at XXXXXXXX EST ) XX/XX/XXXX BOA Rec 'd XXXX restrictive Endorsed Securities Registered Mail XX/XX/XXXX XXXX XXXX XXXXXXXX the registered security for a credit card then ending in XXXX for a certificate of indebtedness & how to proceed with processing this security & my security interest as the holder in due course XX/XX/XXXX XXXX XXXX XXXX  the registered security for the balance assist loan ending # XXXX XX/XX/XXXX I followed up via phone with the billing error as I see neither security has been applied. I was told to contact back by Monday if I see nothing as a case # had been generated. 
XX/XX/XXXX I get an appointment with XXXX XXXX in person at the BOA Branch XX/XX/XXXX I meet with XXXX XXXX who confirms with the credit card department that they have Rec 'd the securities & provided a confirmation number XX/XX/XXXX I brought XXXX XXXX my opt out notice to opt me out of anywhere my non-public personal information is being provided, within 30 minutes my credit card was canceled. 
XX/XX/XXXX I reach out to the necessary department with the credit card department & my card is re-instated. THIS WAS ADVERSE REACTION AGAINST ME AS A CONSUMER & A VIOLATION of Under 12 CFR 1026.13 Billing error resolution ( 3 ) & 15 U.S.C. 1666 ( e ). 
XX/XX/XXXX I sat through numerous phone calls until I reached XXXX XXXX XXXX XXXX who placed a REVIW for BILLING ERROR on my account/ Nothing was actually done. 
XX/XX/XXXX I finally made contact with XXXX XXXX XXXX in the corporate office via email. He responds to me. Tell me my information is getting to the necessary offices. 
XX/XX/XXXX XXXX XXXX XXXX the package of the registered securities with directions on the certificates of indebtedness via US REGISTERED MAIL. XXXX was briefed on what to do with this. 
XX/XX/XXXX I make an additional payment to be able to use the security balance on my BOA card after successful purchases. 
XX/XX/XXXX SECOND ADVERSE reaction has been taken against me after good faith efforts : my card was declined. The Card was canceled. When I spoke with XXXX XXXX from Georgia, she informed me that the card was revoked. Would not describe why. I was transferred then hung up on. 
XX/XX/XXXX I contacted XXXX XXXX at the financial center explaining what occurred. 
Arbitration was never approached before any adverse reactions were taken upon me, the consumer for GOOD FAITH ATTEMPTS. This violated numerous rights : XX/XX/XXXX I received contact with XXXX in Texas who disputed the payment made in good faith ( on time before due XX/XX/XXXX processed XX/XX/XXXX ), filed a dispute finally with credit bureaus for non-application of my payment coupon, and requested the {$100.00} payment be returned since the card was canceled for XXXX reason in retaliation to my good faith attempts ( to be decided in XXXX business days ). 

XXXX 'd XX/XX/XXXX & verbally XX/XX/XXXX PER the FCRA, as a Federally protected consumer, I am now opting out of all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, & non verbal per 15 USC 6802. 
\\\\BOA reported to early warning services & all credit bureaus after this date of Rec 'd ignoring my notice completely after XX/XX/XXXX \\\\15 USC 1691e - Civil liability, {$10000.00} Violating my right to Fair Credit & placing me on a secured credit card after offering me a different agreement & charging me a {$100.00} security deposit ; I had requested this be undone. 
\\\\12 USC 504 BOA/ XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 23 days past remedying the application of the coupon for the certificate of indebtedness ; recd XXXX securities for the credit card that was ending in XXXX ; they are 22 days past remedying the application of the coupon for the certificate of indebtedness for the balance assist loan ending in XXXX ; a second security was sent that matured on XX/XX/XXXX for the card ending in # XXXX on XX/XX/XXXX, start date XX/XX/XXXX & the other XXXX XXXX XXXX ( provided in documentation ) to be processed. They have until XX/XX/XXXX before fees apply to XXXX additional securities. 
\\\\15 USC 1611 -Criminal liability for willful & knowing violation, {$5000.00} This is for closing both accounts & taking adverse action on 15 USC 1611e & 12 CFR 1026.13 Billing error resolution. 
\\\Closed account ending in XXXX on XX/XX/XXXX ; No letter received ///Prior to payment due date XX/XX/XXXX when payment was made XX/XX/XXXX ///Closed account ending in XXXX on XX/XX/XXXX ///After a good faith payment was made XX/XX/XXXX for {$100.00} No letter Rec 'd ////12 CFR 1026.13 ( 1 ), ( 4 ) & c ( 1 ) d ( 1 ) ( 2 ) Truth In Lending Violation ////15 USC 1666 ( d ) Adverse reaction + Canceling my credit card without any written mailed notification. 
////Under 12 USC 504, 18 USC 8 & 31 CFR 328.1-6 ////15 USC 1611, 15 USC 1612, 15 USC 1642 , 1681 ( m ) ( n ) ( o ), 1691 ( a ) ( e ) & 12 cfr 1002.3 & 1002.4 /////PRIVACY OF CONSUMER FINANCIAL INFORMATION VIOLATION under 15 USC 6801, violation of 15 USC 6802, 16 CFR 313.1, 313.2, & 313.7 ( failure to provide opt out notice ), 15 USC 1681b PERMISSIBLE PURPOSES & 15 USC 1692k ( a ) ( 2 ) ( A ) for Civil Liability on Fair Credit Reporting Act & Violations of the Privacy Act of 1974. Title 17 Chapter IV, A 420.3/ 15 USC 780 5 ( f ) & as a Florida resident, Florida Statute ( FS ) 215.47 Reporting Security Interests

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