Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
RE : Affidavit Of Truth Example of a 15 USC 6802 dispute letter opening : " Dear Consumer Financial Protection I am writing to formally notify you that I believe Bank Of America bank have violated my privacy rights under 15 U.S. Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party without my prior consent.

" ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial Company...

This Rescission notice is made pursuant to 15 U.S.C. Code 1635 ( a ), as I was never told i had 3 days to rescind thew agreement. I was never given the notice that comes with all consumer credit transaction. Furthermore, The agent office address for XXXX XXXX XXXX XXXX is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX never give me the options to opt out of overdraft contract, Also they violated my consumer credit rights on credit applications, " 15 USC 6802 dispute letter '' is a letter sent by a consumer to a financial institution, claiming that the institution has violated their privacy rights by disclosing their nonpublic personal information to a third party without proper notice or consent, as outlined under 15 U.S. Code 6802 of the Gramm-Leach-Bliley Act ( GLBA ) which governs consumer financial privacy laws ; essentially, the consumer is disputing the unauthorized sharing of their personal financial information.

Key points in my dispute is the following : 15 USC 6802 dispute letter : Purpose : To notify XXXX XXXX that Bank Of America the financial institution violated the consumer privacy rights have been violated by sharing their nonpublic personal information without proper authorization. 

What it should include : Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 1016.4 of this part. 
Consumer 's XXXX XXXX I believe in the following Details about the specific disclosure of information that XXXX XXXX the consumer believes Ba of American violated,15 USC 78m ( q ) ( 1 ) ( C ) is a section of the United States Code that defines the term " payment '' 1. The term " payment '' means a payment that is made to further the commercial development of oil, natural gas, or minerals, and is not de minimis. It includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits that the Commission determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals and belongs to United States of America. also 1611. Criminal liability for willful and knowing violation Section Text Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

Source Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice that pursuant to 15 U.S. code 1635 ( b ) : upon receipt of this recission, I am not liable for any finance chargers of other charge, and security intertest become void effective immediately. I would like all and any funds Bank Of America bank took from XXXX XXXX XXXX. also, note The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 
( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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