Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Certainly! Heres the revised version of the letter including the involvement of Bank of America in sharing information with DraftKings and agreeing with false information : -- - **Subject : Report of Fraud and Defamation Per Se by XXXX  and Bank of America** Dear Consumer Protection Agency , I am writing to bring to your attention a serious issue involving fraudulent accusations and defamation that has resulted from actions by DraftKings and Bank of America XXXX BofA ). The following outlines how these parties ' actions constitute clear fraud and defamation per se : **1. Inaccurate and Misleading Information Exchange** XXXX  has falsely accused me of submitting fraudulent chargeback claims to recover losses from daily fantasy sports ( DFS ) contests. This accusation is grounded in incorrect premises : - **Texas Law and Gambling : ** Texas law does not classify DFS contests as traditional gambling but as skill-based competitions. Thus, any allegations suggesting illegal gambling activity are fundamentally flawed. XXXX ' claims imply illegal activity where none exists, misleading both BofA and myself. 

- **False Evidence Submission : ** XXXX  submitted evidence to BofA that inaccurately reflects my activities and transactions. This evidence is prima facie false due to the legal distinction between DFS contests and gambling activities.

**2. Defamation Per Se** The defamation committed by XXXX  has significantly harmed my reputation and financial standing : - **Nature of Defamation : ** Defamation per se involves false statements that harm an individuals reputation without needing further proof of damages. XXXX ' false accusations of fraud fall into this category, and their dissemination to BofA and potentially other entities has amplified the harm. 

- **Harmful Impact : ** The defamatory statements made by DraftKings have impacted my financial stability and personal reputation. These accusations have been submitted and retransmitted multiple times, exacerbating the injury. 

XXXX. Bank of America 's Role in Fraudulent Defamation** BofA XXXX handling of this situation has been inadequate and has compounded the defamation : - **Sharing and Endorsing False Information : ** BofA has shared information with DraftKings and has agreed with the false accusations made against me. This endorsement of inaccurate information reflects a failure to verify the claims and contributes to fraudulent defamation. 

- **Failure to Investigate : ** BofA accepted XXXX ' allegations and evidence without conducting a thorough investigation into their accuracy. This oversight allowed false information to be processed and acted upon, leading to further harm to my reputation and financial well-being. 

- **Engagement in Fraudulent Defamation : ** By agreeing with and acting upon XXXX ' false claims, BofA is engaging in fraudulent defamation themselves. This complicity in the dissemination of inaccurate information has exacerbated the damage I have suffered. 

**Request for Action** I request that the Consumer Protection Agency take the following actions to address this matter : XXXX. **Investigate the Exchange : ** Examine the exchange of information between XXXX and BofA to determine whether proper procedures were followed and if the evidence submitted was accurate. 

XXXX. **Address Defamation : ** Take appropriate steps to rectify the defamatory statements made by both XXXX and BofA XXXX ensuring that any false information is corrected and that my reputation is restored. 

XXXX. **Ensure Accountability : ** Hold DraftKings and BofA accountable for their actions and seek compensation for the damages caused by their fraudulent and defamatory activities. 

I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving these issues. Please do not hesitate to contact me at [ Your Contact Information ] if further information or documentation is required. 

Thank you for your consideration. 

Sincerely, [ Your Full Name ] [ Your Contact Information ] -- - Feel free to customize this further based on your specific details and needs.