Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Formal Complaint Narrative : Procedural Breach and Business Impairment 1. Background and the Binding Notification Clause On XX/XX/year>, Bank of America issued a formal disclosure regarding my account ( Ending in XXXX ) and the associated automatic payment service. Under the " Cancellation '' section, the bank explicitly committed to a specific notification protocol : " The bank may cancel this service for any reason. You will be notified if the payment service is cancelled by the bank. ". This written promise established a clear contractual and regulatory expectation of transparency regarding the status of electronic fund transfers. 2. The Procedural Breach ( Regulation E / UDAAP ) Despite this disclosure, Bank of America canceled my autopayment service without providing the mandated notification. This failure constitutes a breach of the banks own terms and a violation of Regulation E ( 12 CFR Part 1005 ), which governs electronic fund transfers and requires accurate disclosures of consumer rights and service changes. Furthermore, the banks actions represent an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). By failing to provide a contractually promised notice that would have allowed me to take reasonable steps to avoid injury ( i.e., making a manual payment ), the bank caused substantial financial harm that was not reasonably avoidable on my part. 3. Evidence of Functional Communication Channels The bank has informally suggested a potential delivery failure or " spam '' issue. However, my communication infrastructure is fully functional. During the period in question, I consistently received multiple other communications from Bank of Americaincluding marketing materials and administrative alertsat this exact email address. The successful delivery of these secondary messages proves that my email provider was not blocking the banks domain. The failure to deliver the critical transactional notice regarding the autopay cancellation is therefore a localized failure of the banks internal notification logic or trigger systems, not a consumer-side delivery error. 4. Failure of Executive Escalation and Good Faith I initiated a formal dispute via Certified Mail, which was received and signed for by the Bank of America XXXXxecutive Corporate Center on February 18, 2026. Initial Contact : On XX/XX/XXXX, a bank representative acknowledged the dispute but attempted to deflect responsibility by claiming they would search for " read receipts. '' As a Senior Developer, I maintain high-level privacy protocols, including network-level DNS sinkholing ( XXXX XXXX ) and the blocking of all remote tracking pixels. Any " send log '' the bank possesses is evidence of an internal trigger, not proof of consumer notification. XXXX Promise : On XX/XX/XXXX, XXXX XXXX ( XXXX Ext : XXXX ), a Local Executive Manager in XXXX, personally contacted me and committed to providing a full resolution within XXXX days. The Silence : XXXX XXXX and the XXXX XXXX have since failed to meet their own self-imposed deadline ( XX/XX/XXXX ) or the XXXX regulatory window for a substantive response ( XX/XX/XXXX ). This silence following executive acknowledgement demonstrates a lack of good faith and an attempt to ignore a documented regulatory breach. 5. Documented Financial Harm and Business Impairment The banks failure has caused severe, ongoing financial damages : PMI Disqualification : Per my Rocket Mortgage Annual Disclosure, I am eligible to cancel Private Mortgage Insurance ( PMI ) only by maintaining a " good payment history, '' defined as XXXX payments XXXX days late in the last XXXX months. The missed payment caused by XXXX notification breach has directly disqualified me from this cancellation, forcing me to pay unnecessary monthly premiums. XXXX XXXX XXXX : As an active real estate investor, this " mark '' on my record has effectively frozen my ability to secure financing for new acquisitions. Most investment-grade lenders require a pristine XXXX history ; the banks error has therefore caused significant business impairment and lost investment income. 6. Impact on XXXX XXXX XXXX and Portfolio Growth Beyond the immediate PMI costs, the banks procedural failure has caused a critical impairment to my business as a real estate investor. As of XX/XX/year>, I am an active landlord in the XXXX, NC market. To expand my portfolio, I rely on investment-grade financing which requires a XXXX " clean '' mortgage history. Because of this unauthorized " mark '' on my record, I have been forced to pause planned property acquisitions. This delay results in documented lost business income and potentially higher future borrowing costs due to the artificial impairment of my creditworthiness caused solely by XXXX XXXX XXXX notification breach.

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