Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America, Bank Account XXXX XXXX Dear Bank of America, This letter serves as a Formal Notice of Claim regarding a blatant and unacceptable breach of the terms and agreement governing my account with Bank of America. Your institution has flagrantly violated the contractual terms by unlawfully disclosing my personal and private information, including my transaction history, to a non-affiliated third party, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ). 

Basis of the Claim Your actions are not only a breach of contract but also an egregious violation of my privacy rights. Specifically : Bank of Americas False Claims : You have provided me with written documentation asserting that no information was reported to XXXX XXXX This statement is demonstrably false. 

Irrefutable Evidence : I am in possession of a full report from XXXX XXXX XXXX that includes my personal information and transaction history. This proves that your institution has knowingly or negligently provided my private data to a non-affiliated third party in direct contravention of our agreement. 

This unauthorized disclosure is not only a breach of trust but also a severe violation of applicable privacy laws. 

Immediate Demands As a result of your gross misconduct, I am making the following demands : A monetary settlement of {$10000.00}, which reflects a discounted resolution. Be advised that I am entitled by law to {$1000.00} per violation, and this demand is a courtesy to avoid further escalation. 

An immediate written acknowledgment of the breach and a guarantee that such unauthorized disclosures will cease henceforth. 

A detailed explanation of how this breach occurred and what steps Bank of America will take to rectify the situation and prevent recurrence. 

Consequences of Non-Compliance Bank of America has exactly 10 calendar days from the date of this letter to provide a satisfactory written response and a settlement offer. If I do not receive an acceptable resolution within this timeframe, I will take the following actions without further notice : File a lawsuit for breach of contract and violation of privacy rights. 

Pursue additional statutory damages for every violation documented. 

Report this matter to relevant regulatory authorities, including the state attorneys general. 

Let me be clear : the evidence in my possession unequivocally establishes your liability. Any attempt to deny or deflect responsibility will be met with the full weight of legal action. 

Supporting Documentation For reference, I am prepared to provide : Documentation from Bank of America falsely asserting no information was reported to XXXX XXXX 

A full printout from XXXX XXXX XXXX detailing the unauthorized disclosure of my personal data. 

Please direct your response to the address or email provided above. This matter demands your immediate attention and action. I expect a prompt resolution that reflects the seriousness of your breach and adequately compensates for the harm caused.

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