Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am absolutely and in certainty that I can prove Nonfeasance, Misfeasance and Malfeasance from Bank of America. I am a simple man, who is making the best to his ability to re instate himself a member of society after enduring many years and still a XXXX XXXX XXXX XXXX and a Beneficiary of SSI. I engaged my direct deposit from a previous debit account to Bank of America to begging the recovery of my credit and support my self with one of their Secured Credit Cards to support my credit and compliment my only source of income and my years of studying in a new LLC company to begging. I have read their entire contract agreement and under their protocol they are allowed pretty much to do as is with my banking accounts by separating accounts at their own will to conflict with ones minimum financial support by linking at their advantage and this I understand to be with in their legal grounds. " The Nonfeasance is advising you that you must have your Physical Card in hand to withdraw your own money from your up to date Secured CC, but yet they do allow themselves to do so with out need of my card, In the attempts to closing my CC accounts they have denied me the right to my property ( money for the secure CC ) extending it to a 15 to 21days and a mandatory payment to be made even after account closed dated but until a check or the funds are transfer back into my checking account at their disposition witch had already created Burned du to their furnishing Misfeasance in the correct balances, receipts, call in center and the lack time line accuracy that they disseminate to you at the convenience or the atm actual machines lack of paper or bumped off the system, the malfeasance comes when they promote and assign my secured credit card agreement with out the policy agreement that states that I can not close the account at the same branch and with the same banker location and that I would Have to call their CC center to accomplish this in the attempt to prevent as I was affirmed that my cc closing will refund my funds to my checking was fallacy and the friday afternoon attempt to their cc call center was answered and was told that their system was down. This is cause for my burden to overdraft my checking account unable to access my secured money having them trespass on my property when in prior and several consultation to unlink accounts the fallacy of the Secured CC Being as the contract states that the Secured CC was for a total Credit amount Equal to what I deposited, this was the fallacy their system caused my 1st direct deposit due to their system s fallacy and proof of the SSA office in writting that it was B of A who Received my Deposit and Returned it due to their date filing or lack of protocol, in witch ever so it cause them to overdraft my checking and my Secured CC with a XXXX Cap to their advantage to charge me overdrafts that assaulted my credit rating to drop to the lowest ever in my entire credit history XXXX points. This was devastating and it continues to be. I my struggling with my burden with getting things right my credit and my business has failed to be where their Circumlocutory ethics of diffusing their prerogative and assault on the ever trusting people is not a rumor as I when asked only because I am having to barrow and struggle to barrow money to get by and lost the struggle at times to move on is a common know from this bank,. The Fact is that I am a simple man and I am self educated and I know a very little but I know that I have the papers the research to prove that this is a direct attempt to cause. And its Important to organization like you guys to step up to these problems because to be honest that is the exact shared vision that I support my history in business to be amongst other consumers issues on other professions, NOTE " professionals who act this way is criminal.

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