Checking or savings account -- Improper use of your report -- Complaint #5363915
Complaint Overview
Complaint ID: 5363915
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: South Carolina
ZIP Code: 29223
Date Received: 2022-03-24T12:00:00-05:00
Date Sent to Company: 2022-03-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, sent BANK OF AMERICA a affidavit of truth notarized via certified mail, return receipt. BANK OF AMERICA received and signed for said document on XX/XX/2022. I advised BANK OF AMERICA they were furnishing a 3rd party consumer reporting agency without my written consent pursuant to 15 U.S.C 6802 ( b ) ( 1 ) ( c ), the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, was never disclosed this information nor was I given the opportunity to opt out of such activities. I also made BANK OF AMERICA aware without proper documentation supporting their claim to what happened in my account, they were obligated by law to not willingly and knowingly furnish deceptive forms pursuant 15 U.S.C 1611. I requested BANK OF AMERICA to provide me with a money audit paper trail pursuant to 12 U.S.C 5562 ( c ) ( 10 ). I explained to them without proper documentation BANK OF AMERICA shall not report details defaming me in any way. I requested BANK OF AMERICA to provide me with exhibits showing how my account had alleged abuse and they informed me they did not have such documents to support that claim via phone on XX/XX/2022 with number ( XXXX ) XXXX. I also advised BANK OF AMERICA any activity they can not verified shall not be furnished to any third party consumer agencies ; and they also did not have my written consent to do so. I made it abundantly clear I did not want my information shared in anyway via phone on XX/XX/2022 with number ( XXXX ) XXXX. BANK OF AMERICA was given 15 calendar days to perform which they contractually agreed pursuant the " Postal rule ''. BANK OF AMERICA did not respond nor perform for my affidavit of truth received by them XX/XX/2022. BANK OF AMERICA continue to violate my consumer rights, I provided them with written instructions ; and expressed to them orally via phone on XX/XX/2022 with number ( XXXX ) XXXX, that I do not consent to my personal information being furnished to any third party consumer reporting agencies. I also made BANK OF AMERICA aware my consumer report shall have my transactions and experiences with them excluded from any consumer report pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ). 15 U.S.C 1681a states " ( 2 ) Exclusions.- EXCEPT as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' BANK OF AMERICA continue to neglect their obligations to federal statues and laws. BANK OF AMERICA continue to defame me and violate me in ways unimaginable. I have been hurt tremendously and suffer dearly. I have attempted to resolve this matter in good faith so be it. I enforce my rights to have BANK OF AMERICA held liable for these inaccurate and unfair credit practices.
Frequently Asked Questions
What is Complaint #5363915 about?
Complaint #5363915 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Improper use of your report. It was received by the CFPB on 2022-03-24T12:00:00-05:00.
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 (Checking or savings account) 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.