Consumer complaint received 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am facing equal access & due process retaliation by Bank of America as a result of asserting my federally protected consumer rights. 

Whether its highlighting their illegal and non compliant treatment of me following the conclusion of a dispute to exposing their active sabatoging of my protection. 

A dispute conclusion where they gave me no timely notice of its conclusion, failed to disclose my rights to see and potentially contest the documentation used to make their decision, and their deliberate and fully aware punative denial of my five day window for the payment of incoming charges that they would have otherwise paid. 

Additionally they have denied me the full name of the customer service rep XXXX in Florida who intentionally inflicted emotional distress on to a degree where I have had had to involve Dr.s, medicine, and highly specialized trauma therapy in an effort to regain functionality and end the nightmares. 

This particular situation is headed a number of directions including an XXXX violation citation and penalty, a civil lawsuit, and given what she did is both a state and federal tort potentially even more serious legal consequences. Yet BOA which she was representing in her actions continues to shield here making them more and more liable. 

They are now dragging their feet on other issues and have ceased according me even simple accommodations that would help close a number pending issues. Choosing instead to rob me of leverage and unnecessarily escalate problems that could be solve in matters of days They have ceased virtually all disclosure accessibly there by ensuring I am not aware of the terms nor the responsibilities of issues involved. 

I have been assigned a XXXX XXXX XXXX as a contact for complaints resolutions who is not even aware of basic components of Dodd Frank, the XXXX, or CRPB and unless there is a personal matter I am not aware of is systematically not returning my calls. 

In perhaps one of the more telling examples of my problem is that XXXX XXXX waited until XXXX minutes PAST the closing of the 5 day window to make contact. 

The torts are adding up and I am receiving nothing but stonewalling and at times the active sabatoge of my rights by BOA. 

Patience is running out quickly as Rights delayed are rights denied. 

XXXX I attempted to introduce the concept of rights and challenges to XXXX in Arkansas and XXXX in Arizona as further justification for escalating an issue I with a travel website. I also reminded them that since the transaction was card absent non pin run as credit it was the applicable rules were XXXX credit. 

Well it was like speaking a foreign language as there was no clue of the significance and required unique handling of a claim assertion based on rights and challenges nor an awareness or appreciation of the differention between XXXX credit dispute criteria and the general protections afforded a basic card present PIN debit card transaction as regulated by the XXXX. 

Not only is it sad the the gatekeepers are clueless to many of the underpinnings of the process they are supposed to be administering. And in both cases it was clear neither was interested in working too hard. 

Both of the displayed a bias against me that the not only lead to a degradation of their advocacy role and but also ensured I would never get relief Again the torts are growing and BOA is stonewalling, undermining my rights, and has negligently become an active force against my rights. 


If the CFPB continues to sit on the sidelines as my rights are trampled I will have few pleasant choices remaining.

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 monetary relief