Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
BANK OF AMERICA CORPORATION Has taken an adverse action against me. 
Letter I sent them : Notice to agent is notice to principal Notice to principal is notice to agent Im pursuing to 15 U.S Code 1602 ( l ) The term credit card was used to initiate the consumer credit transaction the term credit card as I mention means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I am the card holder and holder in due course. So in pursuing to 15 U.S Code 1602 ( n ) I am the one who came in with the credit card to initiate the transaction it is not possible to get denied with something that I came in with. The term adverse action never mentions anything to do with a consumer getting denied credit because it is impossible to get denied something in which I am granting to your corporation the right to extend credit. So in pursuing to 15 U.S Code 1602 ( f ) the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt and defer its payments. Credit is my right and i am the one who regularly extends credit in the connection with loans in pursuing to 15 U.S 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to consumer reporting agencies is voluntary. This is a private transaction and this is an unfavorable situation to me for the consumer no where in the term adverse action defined within the FCRA does it mention that a natural person get can be denied credit. As an original creditor it is not lawful to be denied my right to grant credit. Further more my credit was used and I received no benefit from the use of my credit. An inquiry popped up on my consumer report which is a receivable transaction meaning someone got paid off my credit I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially. The term authorized use, as used in section 1643 of this title means a use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority or such use and from which the cardholder receives no benefit. Ive been discriminated against as there is no federal laws that state a credit score can deny me of my right to extend credit. I have in good faith exercise my right and I the natural person have been discriminated against in pursuant to 15 U.S 1691 ( a ). It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a federal level if my request to open the accounts in which adverse action has taken place. I am aware of my open end credit plan my right to contract unlimited without being denied. I demand your company reinvestigate this matter and abide by federal law and open up the accounts in which I have extended credit and correct any adverse action taken on my consumer report.

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