Consumer complaint received 2023-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, the consumer and natural living man submitted an application in good faith, was denied extension of my own credit by BANK OF AMERICA when I applied for {$130000.00} auto loan. App # XXXX Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 12 CFR Part 1002. I have proof that I was discriminated against by BANK OF AMERICA due to the response I received ( see attached exhibit ). Their reason for denial is frivolous, misleading and hearsay which is a clear violation of the Equal Credit Opportunity Act ( ECOA ) which is codified in 12 CFR Part 1002 and 1913 Federal Reserve Act. 

Because I provided BANK OF AMERICA my personal/private information ; Name, Date of Birth and social security number which is my " credit card '' as recognized by Congress ; that created a fiduciary trust between BANK OF AMERICA and I, the consumer, a natural living man, who made an application in good faith, but credit was not issued. BANK OF AMERICA is subject to criminal liability for breach of Fiduciary duty for not doing what is in the interest of the BENEFICIARY and violating 15 US CODE 1681m and 12 CFR 1002 Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602p ) on behalf of BANK OF AMERICA. 

I sent a letter out to BANK OF AMERICA on XX/XX/XXXX via UNITED STATES POSTAL SERVICE Certified Mail Number ( XXXX XXXX XXXX XXXX XXXX ) alerting them about violating my Federally protected right by discriminating against me in an aspect of a credit transaction. Their non response is them acquiescing to the facts stated therein. 

Additionally, pursuant to 1913 Federal Reserve Act Section 16 ( 1 ) ( 2 ) Federal reserve notes shall be issued to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. 
( XXXX ) - My security is a tender that is back up by the United States Treasury ; the collateral security thus offered shall be notes, drafts or bills of exchange. Which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States. 

Therefore, BANK OF AMERICA was issued my assets, but denied me credit. This constitute " Trust Fraud ''. On or about XX/XX/XXXX, I spoke with XXXX from BANK OF AMERICA consumer vehicle lending who refused to grant me access to my credit and confirmed that banks do loan out money and not extension of credit ; she is now a conspirator to " Trust Fraud '', willfully and knowingly giving out false and inaccurate information 15 US CODE 1611, conspiracy against rights 18 US CODE 241, deprivation of rights under color of law 18 US CODE 242 and action for neglect to prevent 42 US CODE 1986 If BANK OF AMERICA fails to make any reasonable procedures to resolve this matter in good faith and compensate me for the use of my credit card I will indeed make BANK OF AMERICA criminally and civilly liable for discrimination and all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).

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