Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I disagree with you closing this matter because Bank of America 's response is without merit. Please see below what I just sent to XXXX XXXX XXXX 's office today. 

Good afternoon, XXXX : I want to apologize for not getting back to you sooner, but I wanted to complete a thorough and comprehensive review of the limited communications that Bank of America sent to XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). 

I was not surprised by the contents of the communications that you attached to your e-mail. I noted that none of Bank of America 's communications to everyone was signed and they neglected to provide anyone with the name of the " third-party vendor '' who supplied them with the mistaken information concerning my purported death on XX/XX/XXXX. 

By the way, for context, I've attached a Bank of America communication concerning XXXX XXXX XXXX. 

Please note that this unreliable & unnamed " third-party vendor '' mistakenly confused my father " XXXX XXXX XXXX with a completely different mailing address and social security number with me : " XXXX XXXX XXXX XXXX XXXX At no time, during my father life, did he ever live at my home address. If Bank of America had simply checked their own internal records they would have realized that the information they received from this unnamed " third-party vendor '' was wrong. All they had to do was call me, just like XXXX XXXX XXXX XXXX XXXX did on XX/XX/XXXX, to confirm that I was, in fact, very much alive. Their own internal records would have also shown that during XXXX thru XXXX, I made numerous payments to Bank of America for credit card # XXXX, more than XXXX ( XXXX ) years after my purported death in XXXX. 

Based upon the totally unprofessional, unethical and incompetent behavior of Bank of America we believe, that it is only reasonable for Bank of America alone should clearly follow the instructions contained in my email of XX/XX/XXXX, to XXXX XXXX XXXX the Chief XXXX XXXX of Bank of America to contact and also follow-up with all of the credit reporting agencies and all of the federal, state and local entities to make absolutely certain that all of their databases contain the correct information about my wife and I. It should not be the responsibility of my wife and I to follow-up with these entities because of Bank of America 's incompetence. 

In addition, we demand that Bank of America provide us, XXXX XXXX, the Comsumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) with the name of the unreliable " third-party vendor '' and copies of all communications between Bank of America and this unreliable & unnamed " third-party vendor '' for our review. 

Since it has become blatantly obvious, that at Bank of America there is no human review or oversight prior to the mailing of communications to Bank of America 's customers, an independent review ( regulatory preferred ) of any and all " Policies & Procedures '' concerning how customer communications are handled. 

Finally, Bank of America should pay for the cost of XXXX XXXX XXXX XXXX XXXX  '' for both my wife and I for the rest of our lives. Bank of America should also be responsible to contact, in writing, all of our banking, investment and insurance providers to make certain that their databased accurately reflect our current status. 

Since neither my wife ( XXXX XXXX XXXX ) nor I will ever do any business with Bank of America or any of its subsidiaries we want Bank of America to apologize for their mistakes & confirm, in a signed letter from a senior XXXX of Bank of America, sent to us by United States Postal Service, Registered Mail ( Return receipt requested ) that they have also removed both of our names from any & all of their databases. By the way, in the last forty-five ( XXXX ) days we have received more than XXXX ( XXXX ) pieces of unsolicited mail from Bank of America XXXX 

Thank you once again for all of your help and patience in resolving this most unfortunate matter. 

Respectfully, XXXX XXXX XXXX XXXX, this additional information will help you resolve this very serious matter ASAP..

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