Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
BILL ALREADY PAID IN FULL Date XX/XX/XXXX To : Bank of America XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 


FROM : XXXX XXXX ADDRESS : XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX Dear Sir/Madam : Your may statement is being accepted and returned for value as consideration for settlement and closure of this account for the full amount of XXXX.principals balance. 
It has been noted on the payment coupon AKA bill/statement that this 100 % value coupon is being accepted for the value indicated XXXX. I wish to thank you for obtaining the funds from my government-created XXXX XXXX XXXX account for me in order to prepay this obligation. You could have informed me about this process a long time ago as it could've prevented my family and I unnecessary financial stress. 
The required IRS form 1099-A is attached to document/cover the process of this transaction for the funds that you have withdrawn XXXX XXXX XXXX ( XXXX XXXX XXXX ) SSN # XXXX. The 1099-A is included so the IRS accounting department can properly account for the transfer of these funds from this account to your account. 

BILL ALREADY PAID IN FULL The first item on the 1099-A is for an Acquisition means for the Lender ( buyer, purchaser, acquirer ) and the Borrower ( seller, supplier, provider ) .By the correct understanding of the form, this means that the debt as noted in box 5 is really a payment, and this 1099-A is documenting that fact. 
If you have any questions, you can write me at the location above. If it is not written to this proper location, your mail did not meet proper service and shall be returned to its sender as soon as possible. So please update my mailing location as you were directed to do so as well as send me a True Invoice of a bill, NOT a statement of a bill which is a direct violation of proper response and your duties to me. 
A little extra information for you : BE INFORMED. Any actor, agent, or fiduciary who delays, restricts, or otherwise prohibits the movement of this Negotiable Debt Instrument in its lawful progression* destined to or for the Holder in Due Course, Secured Party , or Claimant must show cause why a contempt charge** should not be issued against him/her in his/her/their true character, or suffer the consequences of said action or lack of action. 


BILL ALREADY PAID IN FULL It is noted that said actors, agents, and fiduciaries are subject to the self-executing regulations of the 3rd and 4th sections of the 14th Amendment to the Bill of Rights to the Constitution for the United States of America whereby their offices are vacated, and their salaries and retirement benefits are extinguished when they do not perform the duties of said offices. 
*Established in 1933 under H.J.R. 192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause. 
**Damages equal to double the amount of the Negotiable Debt Instrument ( under civil action ) or triple the amount of the Negotiable Debt Instrument ( under Admiralty Jurisdiction ). 
Copies of all paperwork shall be forwarded to : To : U.S. Securities and Exchange Commission ( SEC ) Office of Investor Education and Advocacy XXXX XXXX XXXX XXXX XXXX DC XXXX To : DEPARTMENT OF TREASURY INTERNAL REVENUE SERVICE XXXX XXXX 
XXXX, TX XXXX To : Consumer Response Center Federal Trade Commission Washington XXXX DC XXXX Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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