Consumer complaint received 2019-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
-bank of America card opened in XX/XX/XXXX - Bank of America card closed with a XXXX balance XX/XX/XXXX by Bank of America XXXX account shows closed on credit report from XX/XX/XXXX until XX/XX/XXXX - my credit had a hard pull for a mortgage preapproval and score of XXXX was reported - I receive an alert from XXXX that my score has dropped and delinquent payments have been reported. 
- I check my fico and see that my XXXX score has dropped 48 points - I find account history and see that said Bank of America account was reported to XXXX  and XXXX as 30 days delinquent and 60 days delinquent, but the months are different. The account was reported to XXXX as follows : 30 days delinquent in XXXX and 60 days delinquent in XXXX. The account was reported to XXXX as follows : 30 days delinquent in XXXX and 60 days delinquent in XXXX. 
- I submit a dispute with XXXX first, XX/XX/XXXX. I call Bank of America five times, talking to five different people. Each person I talk to says the same thing : they have no record of said account. They look up the information using my social, address, phone number, account number, date of birth and all say this account never existed. No one at Bank of America can help me or point me in the right direction because According to their records, the account was never open or closed. 
- XX/XX/XXXX, XXXX XXXX score drops 49 points. XXXX  emails me to say that the dispute has been resolved. I check the results and it states that Bank of America has responded that the delinquencies are accurate, even though the credit report in the dispute clearly shows the card was closed by Bank of America XX/XX/XXXX. 
- I immediately call Bank of America 2 times on XX/XX/XXXX and am told both times that they have no record of this account so they have no idea how to fix it or help me. They tell me to call XXXX. 
-I call XXXX where I am told that they can not take it off and there is no way that Bank of America has no record of this account. I file another dispute with XXXX. I end up talking to XXXX 4 times on XX/XX/XXXX with everyone telling me that they can see the account was closed with a XXXX  balance in XXXX of XXXX, but Bank of America reported it as accurate. I ask about fair credit reporting and they tell me that they cant remove it. 
- I call Bank of America XX/XX/XXXX and am told again by 3 different people there is no account matching my social security number, address, phone number, or account number. They wish me the best but say they can not help because they cant reverse a delinquency on an account that doesnt exist. I try to give them the case number asking them to contact XXXX, but get transferred several times, with no one knowing how to resolve this. 
- I am able to file another dispute, this time with Bank of America, about the reporting, but again am told there is no account so the chances of overturning this are very slim. 
- interest rate for said loan increases, changing mortgage payment from {$1000.00} to {$1200.00} a month. 
- filed an additional report with XXXX with all documentation and waiting on results. Could take up to 30 days.

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