Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Experian credit report showing multiple credit card accounts that were in excellent standing reporting no late payments all of them closed. A total of XXXX accounts reported. Opening dates from XXXX on majority of bank issued credit cards, including XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Bank of America, XXXX, XXXX, XXXX XXXX XXXX. The majority of these accounts were on auto pay and were paid monthly by direct deposit in full. Around XXXX through XXXX all my accounts were closed and upon asking the business I was informed that they were displeased with my account n choose to close my accounts at their discretion. Since XXXX despite having made in time payments n paying off the balances every month I was discriminated against and fell victim to closed accounts which destroyed my financial welfare and is in bio of anti trust laws and I suspect they are guilty of XXXX. Withholding pertinent information from me on who requested these account closures for too many closures incurred in such a short time frame decreasing my credit score into the XXXX not allowing me to move forward and up financially but instead causing crippling irreparable damage injuries. 
Upon further study of the experien credit report I studied the amiount of unknown unrecognizable hard inquiries being made on a monthly basis scheduled ti occur inti the forward years up to XXXX in a monthly basis. I suspect this being done to keep my XXXX XXXX low to cripple my financial position even further. These hard inquiries are from names that spell and read like major commercial banking institutions like Bank of America N.a. But I gravely suspect and have good read to conclude that they are not in fact Bank of America and are in fact not even affiliated with Bank of America.. Regardless I have not given authorization to Bank of America with po box physical address from XXXX XXXX and non Bank of America phone numbers to do monthly repeating hard inquiries up into XXXX. I called XXXX fraud to prevent these monthly hard inquiries from occurring any futher. To my disgust I was asked from the agent to give them my PIN number which was my understanding that this number was to never be shared with anyone and no employee should ever ask for it. I have reason to suspect that these agents may not be affiliated with XXXX and are working for another agency for other reasons, I have reason to believe this is fraud or it is possible government interference such as maybe the federal trade commission their very selves to point me out make an example of me to be used as a teaching model on what to do if a person falls victim to these fraudulent business practices, I sence this XXXX used in a XXXX teaching manual or book to be studied in school for the complexity is a painstaking graph type of situation that difficult to resolve much less identify if there is even provable fraud taking place at all that I am able to explain. XXXX XXXX is also making monthly hard inquiries. Again, I strongly believe this is to destroy my XXXX XXXX to keep me in a poverty type living situation where I am unable to benefit from the opportunities money provides. 

Again in XXXX on XX/XX/XXXX I had cashed a XXXX XXXX dollar cashiers check in my Bank of America account in which XXXX dollars of this money disappeared from my benefits. I believe a none affiliated company who registered themselves at the courts as a legitimate business using the Bank of America name and logo possibly with Bank of America N.A. Knowledge but is not at all Bank of America nor do they operate with same fdic insurance or same terms and agreements but in fact operates very iooossing to the duties that a bank is concerned with. For example the non affiliated boa using the same account number from boa n.a.to cause deceit and confusion upon viewing my statements also I was made aware of of countless deposits and holds being placed on my deposits and many times the holds were never deposited but I fact they were transferred to this non affiliated bank account using the same number and sit in a non insured brokerage deposit account bearing no interest and allowed or every encouraged to lose value sitting in this account was encouraged is what I read. The terms n conditions continued to read that they were not acting in my best interest they were in fact acting in their interest and they were a law firm and if I had problems that they were violating antitrust laws and were outright using very deceitful tactics in conducting business against the federal trade commission rules n regulations in conducting ethical business practices and what is outrageous illegal behavior in business dealings with the private civilian American citizens of USA, they are also guilty in committing XXXX, withholding explanation and simple pertinent information was being withheld from me allowing for years of time to pass on by without access to my money and them not having accountability or responsibility to myself in way of answering my questions honestly and explaining what is in fact actually occurring instead of me having to speculate., and draw up conclusions that may not be entirely accurate but highly probable and plausible. Anyhow again along with my credit card accounts my bank accounts were also being closed despite being a XXXX  year or more loyal banking customer. In good standing in the years of XXXX thru XXXX. These closures are adversely effecting my consumer rights. Civil rights, human rights, constitutional rights and consequently I am now struggling to find legal representation and am still struggling to find resolutions to gain back my stolen, confesscated personal property that is causing me mental XXXX emotional injury daily upon thoughts of not yet being able to be provided with solid logical solutions to regain my property in a confusion of statements that are very difficult to understand for me to decipher. Also I am perplexed as to why I am being targeted harassed and spied upon in my private financial life.

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