Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX XXXX Email : XXXX Date : [ Insert Date ] To : XXXX XXXX, XXXX Bank of America Via : XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) Federal Deposit Insurance Corporation ( FDIC ) Florida Office of Financial Regulation XXXX XXXX XXXX, XXXX XXXX XXXX Re : Formal Response to Improper Denial of Credit Disputes Bank of America Case # XXXX Disputed Charges : {$5300.00} and {$5900.00} XXXX. Introduction This letter serves as my formal response and demand under the Truth in Lending Act ( 15 U.S.C. 1643, 1666 ) and the Fair Credit Billing Act ( FCBA ) regarding Bank of Americas improper handling of my disputes concerning charges from Relive Clinic.

Despite my repeated notices and submission of over 100 pages of evidence, Bank of America has failed to conduct a proper investigation, wrongfully denied my disputes, and caused significant financial, credit, and personal harm. 

2. Timeline of Events XX/XX/year> : Initial formal dispute submitted with 100+ pages of evidence ( faxed six times ). 

XXXX XXXX  : No proper acknowledgment or meaningful investigation by Bank of America. 

XX/XX/year> : Complaint escalated through the CFPB ; Bank of America opened Case # XXXX. 

XX/XX/year> : Improper denial issued, without addressing malpractice evidence or statutory obligations. 

3. Violations by Bank of America Bank of Americas handling of my disputes violates federal law, including but not limited to : Failure to Investigate : Bank of America relied solely on Relive Clinics billing confirmation, ignoring malpractice and fraud evidence.

Failure to Meet Legal Deadlines : Disputes must be acknowledged within 30 days and resolved within 60 days. My disputes remain unresolved more than seven months later.

Improper Credit Reporting : The bank reported disputed balances to credit bureaus, damaging my credit in violation of the Fair Credit Reporting Act ( FCRA ). 

Violation of TILA/FCBA : Under 15 U.S.C. 1643, cardholders can not be held liable without compliance with investigation requirements.

4. Evidence of Malpractice at XXXX XXXX  The disputed charges arise from medical treatments that constitute malpractice and fraud : XXXX  overdoses : Treatments administered at XXXX times FDA maximum ( XXXX gamma ). 

Improper drug administration : XXXX XXXX XXXX despite being contraindicated with Parkinsons medications, causing strokes. 

Unqualified personnel : Treatments directed by XXXX XXXX, who is not licensed to administer or prescribe medical protocols. 

Documented FDA violations : All evidence provided directly to Bank of America on multiple occasions. 

5. Harm Caused by Bank of Americas Failure Credit limit on my primary card reduced to {$250.00}.

Severe and lasting credit score damage.

Denial of access to necessary medical care.

Emotional distress and deterioration of health at ages XXXX and XXXX. 

6. Demand for Resolution I hereby demand that Bank of America : Cancel all disputed charges ( {$5300.00} and {$5900.00} ) and close these disputes in my favor. 

Immediately remove all negative credit reporting related to these charges. 

Confirm in writing that I will not be held liable for these fraudulent/malpractice charges.

Conduct a proper investigation in compliance with the Truth in Lending Act, FCBA, and Florida law.

7. Notice of Escalation If this matter is not resolved within 15 days, I will pursue further remedies through the CFPB, OCC, FDIC, Florida Office of Financial Regulation, and private litigation. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX 1. Cite Additional Legal Rights Regulation Z ( 12 C.F.R. 1026.13 ) : Requires issuers to investigate disputes within 2 billing cycles ( not more than 90 days ).

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Makes it illegal for a creditor to report disputed debts as valid without noting the dispute.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : Gives you state-level protection against unfair credit practices. 

Adding citations strengthens your case beyond just TILA/FCBA.

2. Reference Damages & Liability Mention that you reserve the right to pursue monetary damages for credit harm, health-related costs, and emotional distress.

Cite 15 U.S.C. 1640, which allows for actual damages, statutory damages, attorneys fees, and costs in TILA violations.

3. Emphasize Age & Vulnerability Since you and your brother are seniors ( XXXX and XXXX ), note that BOAs actions may constitute elder financial abuse under both federal law and Florida Statutes 415.1111. Regulators are especially sensitive to this.

4. Credit Bureau Impact Specify which bureaus XXXX XXXX  XXXX XXXX, XXXX XXXX are showing negative marks. Demand immediate correction under the FCRA. 

5. Request Independent Review Ask that BOA assign your case to executive-level resolution management or an external investigator, since the assigned specialist failed to address your evidence.

6. Regulatory Escalation Notice You can explicitly warn that : A supplemental complaint will be filed with the CFPB for BOAs failure to comply.

You are preparing to file with the Florida Attorney Generals Office, XXXX XXXX XXXX. 

You are considering private litigation in federal court for violations of TILA and FCRA.

Heres how you could add a short new section to the demand letter I drafted for you : 8. Additional Legal Rights & Remedies Please be advised : Under Regulation Z ( 12 C.F.R. 1026.13 ), Bank of America was required to resolve this dispute within two billing cycles ( no later than 90 days ). You are now more than 7 months overdue.

Reporting disputed balances to the credit bureaus without properly noting the dispute violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

As seniors, we are entitled to heightened protection under Florida elder financial abuse statutes.

Under 15 U.S.C. 1640, we reserve the right to seek actual damages, statutory damages, attorneys fees, and costs for your violations. 

Unless this matter is resolved within 15 days, we will pursue additional complaints with the CFPB, Florida Attorney General, and private legal action.

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