Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This letter serves as a formal demand for Bank of America XXXX  approve my loan application XXXX immediately remedy the adverse illegal action taken against me. Under * * XXXX XXXX XXXX * *, I, the consumer, am the creditor, XXXX  Bank of America has violated my rights by denying my loan application without lawful justification. 

Your actions are in direct violation of federal law, including but not limited XXXX : XXXX. * * XXXX XXXX XXXX * * Protects against the misuse of Social Security numbers XXXX establishes the consumer as the creditor. 
XXXX. * * XXXX XXXX XXXX ( b ) ( XXXX ) * * Requires that adverse actions based on credit reports be justified XXXX disclosed. 
XXXX. * * XXXX XXXX XXXX * * Prohibits deprivation of rights under XXXX of law. 
XXXX. * * Uniform Commercial Code ( UCC ) XXXX * * Governs negotiable instruments XXXX establishes the consumer as the creditor. 

I demand the following immediate actions : XXXX. Approve my loan application without further delay. 
XXXX. Provide a written explanation of the illegal adverse action taken against me. 
XXXX. Confirm compliance with all applicable federal laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure XXXX comply with this demand will result in immediate legal action, including but not limited XXXX : - Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX other regulatory agencies. 
- Initiating a lawsuit for violations of federal law, including damages for financial harm, emotional distress, XXXX punitive * * Demand for Remedy XXXX Loan Approval * * XXXX Whom It XXXX Concern, I am writing XXXX formally demand a remedy and the approval of my loan application, which has been subject to adverse action by Bank of America. This adverse action constitutes a violation of my rights under the following XXXX statutes and legal codes : XXXX. * * XXXX XXXX XXXX * * : Ensuring lawful operations and fair treatment. 
XXXX. * * XXXX XXXX XXXX ( b ) ( XXXX ) * * : Permissible purposes for accessing my consumer report under the Fair Credit Reporting Act ( FCRA ). 
XXXX. * * XXXX XXXX XXXX * * : XXXX provisions of the FCRA. 
XXXX. * * XXXX XXXX XXXX * * : Rules of construction for XXXX laws. 
XXXX. * * XXXX XXXX XXXX * * : Prohibition of extortionate credit transactions. 
XXXX. * * XXXX XXXX XXXX * * : XXXX XXXX XXXX Banks regulations. 
XXXX. * * XXXX XXXX XXXX * * : Protections against fraudulent or unfair practices. 
XXXX. * * Uniform Commercial Code ( UCC ) XXXX * * : Definitions of negotiable instruments. 
XXXX. * * XXXX XXXX XXXX * * : XXXX governments obligation to pay its debts. 
XXXX. * * XXXX XXXX XXXX * * : Deprivation of rights under XXXX of law. 
XXXX. * * XXXX XXXX 1994 * * : XXXX XXXX, prohibiting forced labor. 
XXXX. * * XXXX XXXX XXXX * * : Protection from interference or harm. 
XXXX. * * XXXX XXXX XXXX * * : Treason against the XXXX. 

The adverse action taken by Bank of America has caused undue harm XXXX constitutes a violation of my rights under these statutes. I demand the following remedies : XXXX. XXXX approval of my loan application. 
XXXX. A written explanation of the adverse action, as required by the FCRA. 
XXXX. A favorable loan agreement with fair and reasonable terms. 

Failure to comply with this demand will result in further legal action XXXX  enforce my rights under the aforementioned statutes. 

Sincerely, [ XXXX XXXX

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