Vehicle loan or lease -- Getting a loan or lease -- Complaint #4432452
Complaint Overview
Complaint ID: 4432452
Company: Bank Of America, National Association
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Credit denial
State: Oregon
ZIP Code: 97006
Date Received: 2021-06-04T12:00:00-05:00
Date Sent to Company: 2021-06-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX Bank of America denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. There is no law saying they can deny me my own credit. I am the original creditor and have all the power. And they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction. Bank of America is violating FCRA by providing information on my consumer report. Below are the following things that should be excluded from my consumer report. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Bank of America is also in violation of 15 usc 1682b ( 2 ) Bank of America is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What law is Bank of America using to allegedly deny me credit. Bank of America has ill will and has a desire to harm me. I have a open end credit plan. Bank of America is being deceitful, fraudulent, hostile. Because they got what they wanted out of me. I only came for a consumer credit transaction. Bank of America is acting adverse towards me. Because I am administering and extending myself my own credit. This arose from a consumer credit transaction from my credit card.
Frequently Asked Questions
What is Complaint #4432452 about?
Complaint #4432452 was filed against Bank Of America, National Association regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2021-06-04T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.