Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So, your first question was " did I try to already fix the problem. '' The answer is a resounding yes. It has also been reported to the Florida Attorney General who after doing her due diligence suggested I submit a complaint to another Federal entity which I will do concurrently to this well founded and evidenced complaint. It now is apparent to me that there is no Law ( s ) that banks must abide by and so be ready for another filing against another chartered bank. who likewise has no regulator with authority to do a XXXX thing .... 

This complaint revolves around : a. I make my payments on my loan two ( 2 ) months in advance, and have for sometime now, as during the pandemic it was apparent debtors could suffer adverse effects to the Creditworthiness because of the incompetence of both the Postal Service and the Bank as neither is functioning, to date as it once did, and b. Bank of America [ hereinafter " BoA '' ] fails and refuses to issue to me payment coupons that reflect an actual sum due on the loan for a valid date. Instead, what I continually receive is a payment coupon for " a month '' XXXX ( XXXX ) months behind my current payment ( XXXX ) reflecting a payment demand of {$0.00}. 

XXXX Moreover my payment record at XXXX reflects this dilatoriness ' and therefore creates an unfair playing field as there is no way possible that I can TIMELY SEE if my Payment ( XXXX ) is or have been applied as I dictated, as they were intended to be applied when made. 

d. It becomes apparent to me that this is clearly orchestrated between XXXX ( XXXX ) financial titans working in concert to deprive me of the information necessary to an informed decision on how to govern myself as well as my financial affairs. If they aren't willing or able to report my payments to the Credit Reporting Agencies in a full and appropriate manner with full and timely disclosure my Creditworthiness naturally suffers even worse... 

e. I simply can not fight them hiding my payments. I possess every bank statement for the past XXXX ( XXXX ) years and bank ledgers to match but when they're served with XXXX XXXX XXXX XXXX and fail or refuse to respond to certified mailings a consumer is simply hamstrung and the playing field is not level, fair or appropriate and this is a continuing and ongoing issue. 

XXXX As a result and in an attempt to try and protect myself I scanned the coupons presented and now alter each accordingly, so my next payment is For XX/XX/2023 the coupon presented by BoA wasis for XX/XX/2023 for {$0.00} the one I enclose ( d ) with my current payment has the date for which I am remitting my payment as does the payment [ a personal check ] but XXXX in concert XXXX BoA has and is failing to report my payments, and without the assistance of some Federal entity this problem isn't going to resolve itself and I've already submitted the complaint ( XXXX ) numerous times through that Credit Reporting agency who XXXX to generate more fictious responses then I even could've imagined or dreamt up in XXXX grade math class. 

ALL I CAN SAY : IS THERE NOT any LAW THAT GOVERNS? 

So, if they will not respond to Certified Mailings that contain ALL THE ELEMENTS for a valid XXXX XXXX XXXX or even Notice to produce well then forgive my XXXX by what the heck is this XXXX XXXX supposed to do next? Really is this the wild west all over or maybe because everyone sees what the Federal Reserve is getting away with what it does they then think that makes it right? This is why I locked my Credit File and honestly, I lost interest in any scoring of mine by such corrupted entities so again you can take it and flush it along with everything else now we all play by those same unfortunate rules. I AM DONE PLAYING all these unfortunate games.

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