Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a present complaint that is pending review. I have also notified the office of Senator XXXX XXXX and have consulted with a lawyer regarding potential for a class action law suit. I am making an additional new charges of in accurate and unfair credit report against XXXX XXXX. I made an ACH Transfer Directly through my XXXX XXXX App. This App is well known to be unavailable and or have multiple discrepancy. A direct bank transfer from my XXXX checking Account was made on XXXX directly to my XXXX Credit Master Card. I contact XXXX XXXX branches in XXXX spoke in person on many dates with the managers and then contacted customer both at the call center in Over seas at the start of this when I was berated over the phone. My case was transferred 4 times per the branch to several team members in XXXX RI. This was because a 30 day late was noted on my PRISTINE payment history on all my accounts Please see all credit history in my report with them and all creditors. In addition the call center rep after berating me I believe in XXXX.. I was advised me that my credit line was reduced from ( {$22000.00} ). XXXX called me no last name ever provided from the chairmans office. I explained to her everything in addition asked if I could email her the collateral per our discussion. I asked due to my job as a first responder if she could please email me. I dont typically email we will call you for an update. The review took a little more than And she asked me to send her snap shots to prove the post date because it would help her as it takes a lot of research it goes through various data bases OK! I did whatever I could to help. For both complaints and she was pleasant. During that time Bank of America Travel Rewards Credit Card VISA reduced a credit line of {$18000.00} : I went to the XXXX Branch in XXXX they contact their credit card department and was off the record advised it was due to the drastic credit line drop with XXXX. These egregious and excessive actions violate regulations under the FCRA and are in direct violation of MGL 93a of unfair and deceptive business practices. This is both at the hands of XXXX XXXX office of the Chairman and Bank of America. My credit score went from XXXX down to XXXX : In response to my several emails to XXXX XXXX  XXXX called and left me a message advising she went up to bat and please my case one more time. Still acknowledging an issue exists with their banking APP and two Branch Managers in XXXX XXXX telling me the same situation with ample documentation in my account. The bank re-instated my line of credit from XXXX with out pulling my credit. However the 30 day late would stand because they are required to report fairly. This is NOT fair reporting based on a technology error that is well known with their application. Now subsequent damages exist with my credit because of the reduction from bank of America in closing another pristine account in the amount of XXXX with a XXXX balance. I am respectfully requesting your office to please escalate my complaints : Both as an additional charge and update with XXXX XXXX with account ending in XXXX : In addition to Bank of America closing an account with out any notification to me of XXXX. Respectfully I have exhausted all internal measures with both banks and only had my line of credit restored. It seems it was deemed punitive based on some percentage of liability they acknowledge with their technology. Lastly I am a firefighter and have been working the front lines of COVID and And every public/community need in the Commonwealth. If this isnt repair this is and will Continue to greatly affect my ability to get loan for a car and a mortgage I plan to get for a home for me and my XXXX mother with a XXXX injury. 
Sincerely yours, XXXX XXXX XXXX Please cross reference COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020

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