Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX - Sent via XXXX XXXX Mail XXXX. : | XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX NC XXXX : Final Demand for Compliance Failure to Provide Requested Rent-Paym rification / CFPB Case XXXX. XXXX & XXXX This correspondence serves as formal notice of Bank of America 's non-compliance with my writter request dated XX/XX/year>, sent via certified mail, requesting a letter on official Bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. 
Instead of addressing the request, Bank of America issued a boiler-plate CFPB response XXXX XX/XX/year> a full XXXX days before my letter was even mailed and subsequently sent levant account statements. This evasive conduct demonstrates bad faith and deliberate avoidar a clear, narrowly-worded customer reque On XX/XX/year>, Bank of America emailed me a notice confirming the denial of a third-party reimbursement in the amount of {$25.00} related to the XX/XX/XXXX rent transaction. Yet, in a subsequent letter dated XX/XX/year>, the bank stated that it had reimbursed me for all applicable fees and interest. This direct contradiction constitutes a false and misleading representation and further demonstrates the bank 's pattern of bad-faith handling of this matter. I therefore demand immediate payment of the {$25.00} reimbursement previously promised and referenced as " applicable fees. '' Additionally, I have received written notice confirming that Bank of America has recently deleted a credit inquiry from my consumer credit reports. This unprompted correction speaks volumes about the bank 's internal acknowledgment of improper or inaccurate reporting practices. It further reinforces my concern that the institution 's handling of my account and associated disputes has been careless, inconsistent, and in direct violation of its regulatory duties under the Fair Credit Reporting Act and related consumer-protection laws. 
Let me be absolutely clear : I will not continue engaging in an endless back-and-forth exchange over this matter. The facts are already established, the evidence is in your possession, and this issue should have been resolved weeks ago. I expect full compliance without further delay. Your refusal or continued failure to issue the required letter will be treated as deliberate obstruction and bad-faith conduct. I am not interested in any further excuses, template responses, or irrelevant documentation I need the official verification letter immediately. 
The bank 's ongoing failure to provide this verification has caused me tangible financial harm and emotional distress, including jeopardizing my housing relationship and wasting substantial time and expense. I am therefore demanding reimbursement for all associated costs, including but not limited postage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America is hereby given ten ( 10 ) calendar days from receipt of this letter to deliver the required written verification to the address below. If the documentation is not received by that date, I will immediately file a supplemental complaint with the Consumer Financial Protection Bureau and will additionally refer this matter to the Office of the Comptroller of the Currency and the U.S. 
Department of Justice for review of the bank 's ongoing pattern of non-responsiveness and deceptive practices. Furthermore, please be advised that I reserve all rights to pursue independent legal action against Bank of America for the harm, distress, and inconvenience caused by your continued refusal to provide a simple verification letter - - a request so minor and straightforward that your failure to comply reflects a willful disregard for fair consumer treatment. 
Copies of the referenced correspondence are enclosed as Exhibits XXXX and XXXX  for your convenience. 
Please consider this your final opportunity to comply before escalation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Enclosures : - Exhibit XXXX  - Bank of America letter dated XX/XX/year> - Exhibit XXXX XXXX XXXX XXXX XXXXXXXX email dated XXXX XXXX 2025

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