Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have already had b of a credit cards and they closed an account without my written consent and I Never consented to closing the account. I need the closed accounts and credit cards reopened immediately. I will be sending the IRS a 3949a form and the 211.

I also asked that Bank of America send me all my history of accounts and all the statements for all my accounts with Bank of America. I also asked that they add my daughter, XXXX XXXX, on ALL my Accounts and Credit accounts. I demand that B of A reopen my credit lines as I am the owner of the account and for every account I have, there's interest and equity inside the applications and the accounts. These Bank of America Managers are not doing as I ask and I am in need of these accounts to be opened and all my accounts need to have a limit increase immediately.

I applied and granted access to my Security accounts and I have proof that bank of america has already been paid and they are committing securities fraud and I can not be denied access to my own right to credit, which is discrimination and they are in violation of the Equal Credit Opportunities Act and the consumer credit protection act. I need Bank of America to apply my instructions as the tender of payment to the account as I am the owner of the account and I can not be denied access to my right to credit. All accounts are all prepaid, The law says NOTHING about I have to repay... So, I have accepted the the rights, titles, interest, equity owed to my principal, which I am the agent on behalf of. The banks are the Borrower, not the lender. If the bank did not have my registered security and I am the collateral too, then they would never have been able to access my credit account held at the treasury and the federal reserve window on my behalf.

I demand that they open my security account and give me my benefits and my run back my interest 12 usc 1431. The federal reserve agent shall ( means Must ) make an advancement at the federal reserve bank window for the amount I applied for on an open ended credit plan as I am the one who created the money and they are the fiduciary of my account and they are OBLIGATED to perform and I am being damaged as these applications/ contracts are not being performed properly. The application is the promissory note, so return my interest to me and I am entitled to the benefits for the bank using my registered securities. 18 USC 8 ALL debts public and private are the obligation of the United States ( Principal ).

I can not be the Creditor and the debtor. The principal is the Consumer and the borrower is the bank. CFPB, make sure they do their job and I am expecting that they reconsider and do their duty and make sure the benefits are to me. Federal Reserve Act section 16 part one and two. There is no reason and no event can Bank of America Judge me off my credit score. This is directly from congress. FOLLOW THE LAW.

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