Consumer complaint received 2017-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Earlier this fall Bank of America and one of its Vice  Presidents XXXX XXXX, of a branch in XXXX, Florida, undertook a concerted effort to injure me financially and inflict intentional mental anguish. This collusion of the personal and corporate to intentionally inflict demonstrable, tangible, and in some cases, irreparable harm towards me was and continues to this day to be in retaliation to my documented exposure of Bank of America 's non-compliance with certain key components of CFPB 's regulations. XXXX XXXX XXXX represented that she was there to help me and asked that I run ALL my Bank of America business through her because she had my best interests at heart. Not only will the facts show this documented assertion to be a fallacy, those same facts will demonstrate this was a conscience tactic of Bank of America to deceive me and make me act in contradiction of my best interests. The issue that first caused me to raise alarm officially towards Bank of America 's famously predatory business practices involved a key five day  window of protection a consumer is entitled to under Dodd-Frank and as promulgated by the CFPB following a deleterious claims decision. Bank of America was ignoring this and numerous other aspects of both general underpinnings of American consumer protection law and specific rules and regulations as delineated throughout federal and state banking code. There needed to be quick action at the time to protect the rights of not just me and my case but for an entire class of individuals in similar situations who were also being subjected to Bank of America 's actions or inaction. In a situation that necessitated an almost immediate remedy Bank of America and XXXX XXXX at first committed to an answer within few days - 'by the end of the week ' - yet instead took months upon months of unresponsive arrogance to produce what will be shown to be nothing more than voluminous and vapid subterfuge which while heavy on insignificant factoids lacked a cohesive response to Bank of America 's systemic non-compliance, the core of my complaint, or even answer simple questions raised throughout the process. In the complaint I filed last I alerted assorted entities including CFPB that it was my belief that Bank of America was retaliating against me for exposing their violations and non-compliance. Again Bank of America dragged its feet in providing a response until just recently when I received notification from Bank of America, with no explanation provided, that they were closing ALL my bank accounts including ones totally unrelated to the issues involved. Furthermore they indicated an intent to seize funds still in dispute. They did what a predator does when confronted by its abusive behavior, they ignore the accuser, and escalate the abuse. While the list of egregious injuries reigned down upon me for simply asking some questions is too large to discuss in this toothless forum, XXXX XXXX and Bank of America should take no solace in assuming this marks the end of these issues, their culpability, or the punitive consequences for their actions. Stay tuned.

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