Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I'm surprised how I didn't get the opportunity to respond to my claim, I guess the Banks get the last saying and then the case is closed!

However this is a continuation of my complaint XXXX XXXX

1.    Exactly how did the response you responded address my issue?, it's comedy! I complain about one thing and you respond has absolutely nothing related, I therefore wonder if that's suppose to be a joke, or it's a continuation of the lack of knowledge Bank of America has which caused me to file this complaint in the first place.

2.     My complaint began after I wasn't able to use my Card and was told I'M A FRAUD< AND I AM NOT WHO I SAY I AM!! and was told I will only be able to use it if I go to a banking center to Identify myself, and if I do not go, I will never be able to use the card!!, I then complained that due to my health which is public record I'm not able to go to a branch although it's my full intention to go and I wish I would be able to go!!!!!!
Now, Bank of America did NOT care about my problems and made it very clear on every phone call (which I have recorded, should I get permission from the CFPA I will release them, because I'm not sure it legal, so I therefore cannot use them, I did not intentionally record them, it's just something in my phone and I have no idea how to disable it), So Bank of America made it very clear "IF YOU DO NOT GO TO A BRANCH, WE DO NOT BELIEVE YOU ARE XXXX XXXX, AND THEREFORE WE WILL NEVER ENABLE YOU TO USE THE CARD, THIS FACT CANNOT BE DENIED!!.
Now, let's put aside the shenanigans of the financial industry (thanks to the CFPB) and let's put things in perspective, and although your response to my initial complaint has failed to address my entire concern, I'm now more aware of the stupidity you have in mind, which I'll be glad to ask!

1.   AS YOU DID (should you deny it, I might have to take you to Federal Court and have your phone calls subpoena to prove your living in denial) AGAIN, As you did, and because you did, and because you said, and because you also acted upon what you've said and did: which were exactly these words "XXXX XXXX, we understand your not able to go to a branch due to your health condition, however we will NOT be able to take off the restriction from your account simply because our computer system WILL NOT allow us to do it on a recorded phone call, which began when I called in the my card stopped working. I'm asking the following question, and please respond to THIS question: IF YOU HONESTLY BELIEVE AND THE FACT IS YOU DO AND NOT ONLY YOU DO BUT YOU HAVE SAID IT SEVERAL TIMES, THAT I'M NOT WHO I SAY I AM, WHY DO YOU THINK I NEED TO PAY AN ACCOUNT WHICH YOU, YES YOU HONESTLY BELIEVE AND STATED IT'S NOT MINE?


You also mentioned something about alternative payment methods!
Let me understand, if I do not have all payment options just like every other consumer available to me, it's called discrimination!!! 
but, you said I can make a payment by phone, answer is NO I AM NOT ABLE!! because when I call in and put my account number it gets directed to the fraud department, and they sing the same song to me about going into a banking center.
Now regarding making payments in a Branch, I did send my son and he was told "this account is restricted and we cannot accept payments"!!

now to address your issue about reporting fairly to the CRA's, based on my questions above, do you think it makes sense to report something on XXXX XXXX CRA when it's not her's, and you even admitted it's not mine?? (Just allow me to prove it, and you'll think you landed in jupiter)???

You also mentioned you take all measures to comply with the law, can you please quote me which law it is your compiling with? does it have a name? I doubt it's called the FCRA because why is it fair that your computer system cannot do anything to lift the restriction unless I go to a branch to report things that you admitted is not mine?

Based on the FCRA, only things that you know 100% is mine are you able to report!! So as we speak, you are in violation, because you are NOT 100% it's mine, you might be 99% but it's not sufficient enough to report it!!

You also mentioned you tried reaching me several times: I'm confused! If you don't believe I am who I say I am, AND THE TRUTH IS YOU DON'T, OTHERWISE WHY DO I HAVE TO GO TO A BANKING CENTER? Why all of the sudden do you think when you call me that you are speaking to XXXX XXXX? I HONESTLY FIND IT INTERESTING!
Further, you stated you have no access to my account until I go to a Branch, and explained to me that it's your computer's internal security system which blocks all access to my account. If so, how were you able to access it to respond to my initial complaint (although the response hasn't addressed even one percent of the complaint)! But even I will pick up when you call me, how will that help? for one, you don't believe it's me, and secondly, you don't have access, and how can we discuss something you have no access to?

Since I'm getting a message that my time is running out I will have to finish, I'll finish my list of complaint's on your next response which might just be like the first one, meaning: responding something unrelated to the matter.

Here's what I have to say; you can report from today until tomorrow whatever you want to the CRA's, I honestly don't care!  And the one who taught me not to care is Bank of America!

AS LONG AS I'M ETHICAL AND MORAL, WHICH I'VE BEEN FOR 70 YEARS, AND AS LONG AS I KNOW THE TRUTH IS ENOUGH FOR ME NOT TO GIVE A XXXX TO ANYTHING YOU HAVE TO SAY, AND LET ME ADD, ESPECIALLY WHEN EVERYTHING YOU SAY IS A LIE!! LET ME ADD, call Bank of America 5 times about an issue and every rep will tell you something else!!

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