Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To Whom it may concern, ( CEO/person of highest authorities/ XXXX XXXX ) I XXXX XXXX XXXX, consumer and natural person, Applied for a car loan with Bank of America , in desperate need of a car. However my application was denied due to credit issues. How is it possible that I can be denied my own extension of credit? According to 15 U.S. Code 8 1605 - Determination of finance States ( See attachment A ) How could my application have been denied if my signature on my application for credit is payment of the debt? They can not deny me an extension of my own credit. According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
The creditor has furnished me with deceptive forms creating a false belief to i, XXXX XXXX, Consumer and natural person, that i have to pay this debt twice ( Again ) after already paying with my signature on the loan application. They have denied my application for an extension of my own credit And then went and took my signature as authorization to take the money out of my XXXX XXXX XXXX this is why they ask for the social security number and my signature, this is clearly fraud and theft!! 
According to 18 U.S. Code S 8 - Obligation or other security of the United States defined States ( See Attachment B ). 
They have refused to give me what i paid for. And according to the law they can not deny me an extension of my own credit from MY cestui que trust. Also they have failed to provide me and disclose to me the XXXX form required by XXXX & the law. Separately upon my applicationForm ; 15 U.S. Code 1605 - Determination of finance charge Bank of America ( the creditor ) has also willingly and knowingly gave false and misleading/inaccurate information regarding my loan/loan application. They stated they do a finance charge and are in compliance with Truth in lending, but clearly they are not.

I do not wish to pay this debt twice. Bank of America has 2 choices. Refund me all payment paid with my signature AND face charges of {$5000.00} per violation ( {$60000.00} ) AND/OR Give me the vehicle that Ive applied for. 

See all attachments for proof of laws and accuracies in my natural person consumer complaint. 

This complaint will also be given to FTC, attorney General, and XXXX. 

( I know way way way way more than you think i know! I am not just a pretty young girl. Test my knowledge and you will find out and it will turn out very bad for you ) Kind Regards, XXXX : XXXX UCC 1 308.4 Without prejudice/recourse

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