Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom it Concerns, My state and all applicable federal laws and standards of ethical reporting of consumer information must meet minimal criteria of compliant made known or be removed. You do NOT have option to hold on to not affirmed certifiably compliant data so do NOT. Please assure the factual compliance of reporting process ( es ) and the mandated XXXX XXXX Data Field Format standard of lawful ethical reporting as is related to any alleged and demonstrated catalog evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else wise particularly as supposed or elsewise revealed. chronicle the CERTIFIED COMPLIANT REPORTING of factually absolute claim 's of negativity or else eradicate claim today, even RIGHT NOW! 
The claim ( s ) of negativity below noted are each unsubstantiated and must be deleted because each is one or more of currently being announced without demonstrated document proof of physical verification of claims absolute validity or its unample of the requisite certifiable compliant process ( es ) of reporting including thus far not yet satisfactorily demonstration, as mandated, that the XXXX XXXX Data Field Formatted reporting standard is compliant and perfect as proclaimed and OR the claims negativity ( ies ) are themselves communicated untruly, incorrectly, incompletely, untimely, or elsewise potentially erroneously or misleadingly. CLEARLY even one such deficiency makes this aspect of reporting not with legal standing in full accordance of necessarily reporting and or the minimal mandatory standards of the described claim ( s ) being exact and completely perfect and with necessary physically verifiable certificate of compliant reporting. For you to retain or return to REQUIRED COMPLIANT LAWFUL REPORTING, you MUST modify or annul or demonstrate detail PROOF of validity to every aspect of derogatory claims, precise or not, as related to its reality AND its current reporting, or remove altogether the claim of negativity ( ies ).

As you are aware OR SHOULD BE AWARE, per FCRA 1681 ( i ) any and all unverified claims MUST be promptly deleted in the event that you do not have OR are unwilling OR are unable OR are UNTIMELY in presentation of your physical possession of any and all required documentation to guarantee claims truth, accuracy, completeness, timeliness, Page 1 of 3 verifiability, validity and certified compliant reporting ( s ) even including its perfect Complete XXXX XXXX Format reporting standard. Adequate provable and certified compliant reporting is a MINIMAL CONDITION OF ETHICAL AND LAWFUL REPORTING not an OPTION to reporting. ANY DEFICIENCY is grounds for removal. I CONTEST claims by challenging you to provide all as above requested and required! It is NOT satisfactory NOR lawful for you to return communication merely stating that the claim ( s ) of negativity are or have been verified somehow, as this is NOT within the mandated COMPLIANCE of regulatory law NOR within the accepted STANDARDS of ethical reporting! With ANY of your future written communications I request that you also PLEASE provide me with an updated and ACCURATE corrected report thereby presenting absolute PROOF that you have, indeed, complied with law and abided by established reporting standards as well. 
I also request and allow for you to mail me physical documented proof of your adequate action ( s ) and my then updated personal credit report following your correction ( s ). The following allegations appear questionable in reporting, please avow the compliant reporting of each claim that is incontrovertible unquestionable and verified accurate entire and timely recorded or exclude from reporting IMMEDIATELY :

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