While not normally a venue for civil rights and XXXX complaints ( which are being filed concurrently at numerous state and federal agencies ) bank misconduct and bank customer abuse of a vulnerable population are tenants of XXXX XXXX and therefore CFPB. 

Bank of America is the poster child for predatory, discriminatory, and absusive begavior to toward vulnerable populations based on my recent experience. 

I a XXXX and receive a monthly check from XXXX, a fact that until recently I did not know had caught the attention of Bank of America. 

There is a furniture store named XXXX from which I recently bought some furniture online using a Bank of America VISA card in a card absent non-pin transaction. 

That furniture was described as being constructed of XXXX Hardwood yet what I received was made out of particle board and consisting of a backing of stapled card board. 

A clear not as described case if there ever was one.
I contacted the merchant 0n the XX/XX/XXXX who indicated that I now had less than 7 days to return the items as they were uninterested in fixing anything nor trying to reach mutual agreement for me to accept the particle board for a reduced price in and effort afford to avoid the hassle of having to waste a day waiting for for the delivery people to spare them effort involved in the transport down 51 stairs from my third floor apartment of two dressers. I also was just exhausted and want to put the issue behind me After many futile attempts to come to a solution and unwilling to succumb to their XXXX male of a revised and un to for now completely known pick up charge and associated inconveniences. 

Furthermore, they told me they would still be charging the initial delivery fee IN ADDITION to the new fee. All this for items that were not as described and which I would not have bought initially had I known the truth. 

So left with no timely alternative for relief I turned to Bank of America who systematically prevented me access to a supervisor until the delivery window closed. 

Boy was that a mistake. 

Here I am stuck with a pile of particle board with a vendor who is holding me XXXX in that I can not single handedly carry hundreds of pounds of furniture down the the three flights of stairs and then transport it about a few miles, again on my own, to their store. 

You have a not as described, unfair trade practices, false advertising, failure to disclose, etc and yet Bank of American refuses in a dramatic deviation of a policy they boast of and what is their typical and well documented trade practice of providing a temporary credit. 

Without the pressure of the funds I have XXXX leverage with XXXX, especially since BOA knowingly let it close. 

In researching the situation and unexplained policy deviation I learned from number of current and former BOA employees that this typical of BOA. 


The decision to deny me the equal accomodation of issuing a temporary credit so I have the leverage to fix the problem was because management discovered I am XXXX! 


The assumption apparently at BOA is both that I only have one revenue stream - although timely and consistent - and the XXXX XXXX atttitude that I may be less empowered to competently handle my affairs. 

I am working on confirming this independently but I another of my internal watch dogs informed me that I had an secret & expedited competency hearing scheduled for last Friday to I guess allow BOA to determine if I was a house XXXX worthy of the protections afforded good customers or a field XXXX who is denied equal accommodation and is so guess stuck with inferior furniture. 

I attempted to contact my feckless, disinterested, and impotent compliance affairs rep but she either was out of the office or refused to return my phone call. I guess for my own protection I need to assume she maybe part of this new program. 

Seeing as the money is not in my account, the furniture is still here, XXXX is still ignoring me, and I continue to not be afforded a full throated level of advocacy and customer service the verdict of the secret and evidently discriminatory XXXX XXXX is that i am destined to remain in the field. 

Thing is if even half of this is true, when combined with the XXXX money, and pending legislation linked to BOA negligence in regards to the stealing of my money last week it may fact not be too long before I can get some really cherry furniture.. 

Thank you, XXXX XXXX