Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX has has changed my report every XXXX to XXXX on the same days on the same issues causing my credit score to drop over XXXX points every XXXX days. Bank of America originally reported to XXXX in the beginning of XX/XX/2023 that my credit cards were closed they should be able to go back into my account and see this.1 ) They are now reporting that my accounts were closed in XX/XX/2023. They need to go back to the Original Date thaXXXX Bank of America first Reported my accounts Closed in XX/XX/2023. XXXX ) XXXX has my complete payment history available for the whole world to see. This is an invasion of my privacy rights. They are able to keep thing confidential and this is something that should be confidential. They reveal very private info to defame my character in a particular way. BOA is providing Fraudulent information to the Credit Bureau about when my account was closed after I contacted the CFPB and XXXX is helping cover it up. I want All my Private Payments History Removed from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Every time I disputed what XXXX reported they dropped my credit score on the same thing that they had already dropped it previously about. As you can multiple disputes for XXXX, BOA,  XXXX XXXX and XXXX. XXXX would go back into the same problem and lower my score for the same thing multiple times but never correcting their Errors made. 

XXXX ) I want All of my Personal payment history to be Removed and kept Confidential on All Accounts. 
XXXX ) I want XXXX to Correct the Original Date BOA Reported my account closed or I will seek an Attorney for Legal Assistance. 
XXXX ) I want my credit score to be Adjusted back to my previous score of XXXX in the Beginning of XXXX. 
XXXX ) I want ALL Negative Reports Removed from From XXXX for Bank of America,  XXXX, XXXX, XXXX XXXX, XXXX and All that was effected by the chain reaction of this event. 
BOA caused my credit score to drop and my other credit card companys dropped my credit line balance because my score dropped suddenly over XXXX points. This is my Life at State Here. 
XXXX ) I want a Letter of Apology sent to me for the multiple errors and the man handling of my accounts. 

Bank of America dropped my credit line down to my balance owed after I pulled money out of my account to pay for my hospital bills, out of pocket charges for my medical insurance and copayments. I have been dealing with a medical condition for the past XXXX yrs while still keeping Good standing with All of my card carriers untiXXXX XXXX jumped the Gun. I havent received any information from BOA I found out that they closed my accounts through my credit monitoring service and I contacted them and they confirmed my accounts closed in XXXX. 
XXXX ) I want a Letter of Apology for the Errors made against me and Fraudulent accusations that I stopped making payments in XXXX when I couldnt because BOA Closed Both of my Credit cards. I want BOA to have All Their records restricted from XXXX starting from XX/XX/2023 to the present date. 
XXXX ) I want Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX back to XXXX at the end of XX/XX/2023. This was BOA XXXX and XXXX. 
XXXX ) I was a loyal customer to Bank of America for 14 years and this is how they handled me in my time of Hardship. Bank of America needs to Correct this problem ASAP. 

If XXXX never received information from Bank of America about my credit line was lowed or revoked and the my accounts were Closed by BOA until this month of XX/XX/2023. 
Explain what caused XXXX to drop my XXXX XXXX over XXXX points in XXXX weeks by their XXXX XXXX procedures. I want documentation of their credit score procedures dealing with accounts reported as revoked and closed vs accounts reported as delinquent. I am sure there is a scoring difference between the two. And as Evidence how my score plummeted in XXXX from BOA. I stopped making payments in XXXX because BOA had Closed my credit cards and and sent my account to collections to negotiate a payoff. Only After Bank of America made their horrific mistake I looked for assistance. From XX/XX/XXXX to XX/XX/2023 my credit score went from XXXX to XXXX which disqualified me for Loan consolidations services. BOA also reported me as filing Bankruptcy. When I never told them I filed that. I filed a National Debt Relief Plan XXXX XXXX XXXXXXXX Put in place by President XXXX as a type of loan relief for credit card interest sky rocketing. 

I have filed Multiple Disputes with XXXX about the Fair Credit Reporting in which BOA and XXXX are violating my rights. 
A ) Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days XXXX did not remove the inaccurate information they in return take my score down because of the multiple people touching my account. 

Bank of America is Fraudulently Reporting the Close Date as of XX/XX/2023. They originally reported it as XX/XX/2023 and this needs to be corrected. XXXX has the supporting documentation of the closed date as XX/XX/2023. 

You XXXX seek damages you have the right to sue a consumer reporting agency and, in some cases, the person that used the consumer reporting agency that violates the FCRA. 

If this can not be resolved this time I will seek legal advice and assistance to take actions. 

XXXX and Bank of America are reporting Fraudulently and providing changing information. 
I was never behind on my payments until Bank of America Closed my credit cards and sent my accounts to collections to for a payoff thats why BOA didnt get a payment in XXXX. 

BOA has missed up my life and my livelihood to provide for my family. XXXX and BOA are washing each others back while causing a single mother defamation and slander of my character. 
This is evidence in how many times they reposted my payment history attempting to paint a picture of me which is Bias and I may be racially motivated by the different people touching my account. 

BOA Customer Service Representative XXXX ID # XXXX confirmed Today XX/XX/2023 @ XXXX XXXX That Both of my credit cards were Closed on XX/XX/2023 my Birthday! All calls are recorded and documented. He transferred me to a Credit Analyst Representative XXXX ID # XXXX confirmed both card was Closed by BOA on XX/XX/2023 XXXX XXXXXXXX and XXXX XXXX. She has sent a copy of the original closed date letter to me from BOA Records. 

But Now Bank of America and XXXX have changed backlogs and Falsified information. 

If Bank of America Regulations cant Resolve this Fully by what is Requested. I will resubmit again once my Letters are received. 

Please be advised that today is XX/XX/2023 XXXX XXXX

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