Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America strikes again. 

Today Bank of America without my permission or knowledge took XXXX XXXX out of my bank account with the only notation listed as hold/debit. 

Bank of Americas non-compliance with regulation XXXX and the non-existence of a mitigation plan, or even an acknowledgment of of their illegality, when coupled XXXX XXXX requesting for fiduciary involvement in my affairs forces me to invoke my potections under rights and challenges. 

This is a repeat procedurally of what they did to me on XXXX XXXX, XXXX when they took a total of {XXXX  out of my account again without giving me notice, nor subsequently following any of the regulations relative to consumer protection as provided for under regulation XXXX of the XXXX. 

That case is the subject of a filed complaint that remains unanswered. 

In fact a number of things remain unanswered. 

Following my complaint concerning the XXXX XXXX lack of compliance I have by my observation been the subject of retaliatory actions by Bank of America. 

Each have been documented and appear headed at this point for likely third party review. 

Also following that complaint I received a call and ultimately spoke with a woman who identified herself as XXXX XXXX, a XXXX based and XXXX XXXX and XXXX XXXX Bank of America veteran. 

XXXX XXXX has according to initial research with XXXX XXXX XXXX XXXX XXXX, XXXX listing her as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX. 

When I spoke to XXXX XXXX initially she presented herself in an almost maternal fashion, as my chief contact for helping to resolve the issues I was having with Bank of Americas injurious and actively ongoing non-compliance with CFPB. 

The second time I spoke with her at any substantial length - like 30 seconds - she requested that I going forward allow her to handle all my banking needs, such as those I would otherwise transact through traditional means like walking to my branch office that is about XXXX feet from the entrance to my apartment complex or the customer service XXXX number system. 

At no point during our discussion, brief though it was, did XXXX XXXX identify herself as an mid-level XXXX of the very entity that was causing me harm through its reckless disregard for proper compliance, instead I was primed to believe she was more of an ombudsmen serving as an honest intermediary between the big bad wolf of Bank of America, with its well earned predatory reputation, and the defenders of my rights at CFPB. 

She did not at that point not since mention her reported profit sharing plan with the wolf. 

As someone who has worked in public relations, politics, and government relations for about XXXX XXXX  when you are crafting a message or image not one word is there by accident. 

In fact when you call the main BOA number for XXXX XXXX the recorded message as I recall uses verbatim the same phraseology as does CFPB in stating that they are there to help. 

Before this turns into another booklet, here is the bottom line, except for today where I missed her call by a second or two and returned it immediately only to once again get her voice mail, XXXX XXXX according to my phone has not called me since XXXX Wednesday. 

I am systematically being denied due process and being subjected to significant variations in BOA usual business procedures much to my tangible harm. 

There was a secret meeting, according to an insiders at BOA, last Friday that supposedly included my protected from discrimination XXXX as a factor in making decisions relative to my degree of public accomodation. 

BOA dispute agents including but not limited to XXXX in Arkansas around XXXX and XXXX PM have XXXX obstructed and ultimately apparently sabatoged legitimate disputes before they were allowed to see the light of day. 

I have been denied access on an ongoing basis to relevant disclosures including XXXX not allowing me access to the recorded disclosures. 

Bank of America is protecting an individual by not providing her full name and individual who it is my understanding is documented on audio intentionally inflicting emotional distress. 

Bank of America contrary to their usual business practices is preventing the credit of close to XXXX dollars potentially as a result of an alleged XXXX violation and in doing so is depriving me of all the tools it usually affords its good customers to amicably settle merchant disputes. 

The list goes on an on and it is for the most part all started when I issued the initial CFPB complaint. 

Rights delayed are rights denied As I suffer more and more torts on a daily basis with CFPB looking the other way, I take solace in the fact that almost all of this crazy talk is documented, screen shot, and safety stored away. 

Given the parameters provided by BOA and tacitly agreed to by CFPB I am unsure where we go from here. 

XXXX XXXX conscience decision to prolong my suffering and increase my financial impact is not a mistake as she is far too sophisticated for that. 

Tomorrow brings a new day and likely additional retaliation. 

Yet I was not hired by people running for President, or US Senator, or even Attorney General, nor was I hired by the likes of XXXX because I did not have my own set of skills and while they may have become rusty after I got sick, the fact of the matter is we are just getting started. Enjoy.

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