Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America states that due to the fact, my account was compromised in what Bank of America describes as an " Account Takeover '' which occurred in an ongoing basis over the last 6 years, they will not allow me to make payments nor will they discuss the account with me. I have been charged late fees of {$22.00}, {$39.00}, {$39.00}, and {$39.00} in the last 4 months. No statements provided nor is access to the statement. Bank of America will not discuss the account due to security reasons. They tell me to go to a financial center but doing so has not changed the outcome. Although I have gone several times the outcome has not changed. 

Additionally, Bank of America has acknowledged the account balance is incorrect as it they owe me a credit of several thousand dollars. Please resolve the issue immediately and provide me with the refund for all of the late fees assessed, but I've already been confirmed by Bank of America is invalid and in accurate and due to banking error, what they lack of institutional control in which they don't have the resources to fix the situation. In addition to the refund, I want a detailed explanation as to why they're not allowing for my account to function properly and what they plan to do to fix it moving forward. I deserve an apology the harassment and ongoing abusive manner in which they are treating me. I have civil rights that I demand to be treated like a human. I I do appreciate the fact that Bank of America acknowledges that they have been abusive and they have not ceased in the harassment. However, the behavior remains unacceptable and indeed criminal. No human on this earth deserves to be treated in the abusive manner in which Bank of America has treated me. They have stolen thousands of dollars as they have stated from me, which is my hard earned money. Bank of America fix this issue and treat me like a human and refund my account for the illegitimate fees in which you have already admittedly charged me. I do not tolerate any fees nor interest on this account as there is no balance in with. In addition, please quit reporting to account is open and active to the bureaus. When I disputed with them, You have responded that the information y'all was accurate and invalid. However, yall that you're only reporting one account and that there are not two active and open accounts With identical balances and The same effective date for the credit card account. Y'all acknowledge that I've only had one account ever with y'all. Your response changes I dispute the information of accounts being reported by y'all. How can you lie to me and think that you would get away with it?. This is abusive, and this must end due to the reporting of the impossible. As XXXX XXXX has noted, The impossible can not be reported, and if it has been reported in adverse manner, then all relative information to that must be removed immediately. Of America is clearly in violation of regulation Z and they have acknowledge this yet. They have done nothing about it Bank of America you have 24 hours to fix the issue or the wrath of all my finances will come after you in a never-ending manner until you cease to exist as a bank in this nation, you have already admittedly aborted the banking and engaged in raqueteering. I admonish your actions and I demand change. I Do not tolerate lying, cheating, or stealing or other to do. I will not tolerate your abuse either. You have 24 hours to fix the issues. Accordance with the CFPB regulation Z that is all you are allowed. Please see the law for further clarification. You have 24 hours to meet my demands.

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 monetary relief