Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I spoke with an agent at Bank of America who took my payments for XXXX different cards card ending in XXXX payment {$170.00} card ending in XXXX took a payment {$440.00} That week I received a letter saying you forgot something you did not pay your bill for the card ending in XXXX {$170.00} I looked on my bank information and I saw the amounts came out on XX/XX/XXXX of {$140.00} and {$170.00} I received a letter from BOA saying my account was closed because I didnt pay On the XXXX after XXXX hours of talking to different BanK Of America representatives , everyone telling me pay your bill pay your bill as if I was wrong I finally spoke to a representative by the name of XXXX who told me no big deal. His nonchalance was so aggravating but the agent I spoke to had incorrectly paid the XXXX amounts to XXXX card, so instead of paying {$170.00} to the XXXX card and {$140.00} to the ( XXXX ) card the agent paid both amounts to the XXXX card The agent that I spoke to on XX/XX/XXXX XXXX XXXX said no big deal. He was transferring the amount that day from the wrong card XXXX and removing {$170.00} and paying it to the correct card XXXX. 

But unlike, XXXX stated that it was no big deal. They ended up being a domino effect in a cascade of issues that happened afterwards. That leaves me very frightened about the capacity for Bank Of America to be trusted. 

Obviously, I thought that since it was XXXX  XXXX XXXX fault and they acknowledged it was their fault that my account would be reinstated. When I spoke to an agent, they told me they could not reinstate the account unless I paid the next bill earlier than I had to and then they would reinstate it. They told me {$110.00}. Another agent told me {$290.00}. It was super inflated but they told me since the account was closed. I had to pay {$290.00} I paid that amount or I dont know if it was XXXX and then they told me they would not reinstate the account they were going to investigate it but more than likely they would not reinstate the account although it was their fault that the payment went to the wrong cards and was paid late there were also some issues about an ACH payment that I never. attempted to make with further makes me this trust Bank of America because who would be making payments from my account. I made the payments on the XXXX that were due on the XXXX and the XXXX so I attempted to pay my bills XXXX to XXXX days before they were due. 

The gentleman XXXX well the rude person XXXX who I spoke to on the XXXX said he was transferring the payment on XXXX XXXX. It doesnt show that the payment was transferred until XX/XX/XXXX and there after. 

Turn on my other card ending in XXXX I receive An alert on XXXX and XXXX that I had a XXXX day late payment which I did not. I have excellent payment history with this bank and other than that payment that they miss paid and had to correct I had never had any issues and paying this bank, nor any of my other cards that I pay on time or within XXXX days regularly and have excellent payment history with the credit bureaus, but BanK Of America messed that up at a critical time in my life. 

an alert on XXXX and XXXX that I had a XXXX day late payment which I did not. I have excellent payment history with this bank and other than that payment that they miss paid and had to correct I had never had any issues in paying this bank, nor any of my other cards that I pay on time or within XXXX days regularly and have excellent payment history with the credit bureaus, but Bank Of America messed that up at a critical time in my life. 

BanK Of America said on the card ending in XXXX it was an {$82.00} payment that was due on XX/XX/XXXX. I paid it on XX/XX/XXXX. They reported on the XXXX that it hadnt been paid and it was XXXX  days late when it wasnt late really at all, it was paid XXXX day after it was due. 

I spoke to a person by the name of XXXX XX/XX/XXXX or XXXX I recorded the conversation she took responsibility for all of the hours. Bank Of America made paying the payment to the wrong card marking my account is being used over the limit. The reason why that happened was because XXXX payments were put on the wrong card and I saw that I had money on that card so I used {$65.00} or more over the amount I shouldve used because the amount reflected on that account was incorrect because Bank of America paid it wrong so when they moved {$170.00} from that card it showed that I had used more than what was available to me based on XXXX XXXXXXXX XXXX error. 

I spoke to a person by the name of XXXX XX/XX/XXXX or XXXX I recorded the conversation she took responsibility for all of the hours. BanK Of America made paying the payment to the wrong card marking my account is being used over the limit. The reason why that happened was because XXXX payments were put on the wrong card and I saw that I had money on that card so I used {$65.00} or more over the amount I shouldve used because the amount reflected on that account was incorrect because BanK Of America paid it wrong so when they moved {$170.00} from that card it showed that I had used more than what was available to me based on XXXX  XXXX XXXX error. and I took responsibility for that you took responsibility for the fact that they wrongly said I paid anything XXXX days late I had not She took responsibility and said they were sending me an apology letter for closing the account, but that it could not be reinstated to me that is fraud, because when you pay my bill late and then blame it on me and close the account even after telling me, it could be reinstated, and I pay my bill on time thats fraud So I did not pay late hi, Im not responsible for making the wrong payment to the wrong card. They were continuously trying to blame me for that when it was an agent at the bank who did it I never paid anything XXXX days late on XXXX card or any other card with Bank of America and they reported me to the credit bureau as XXXX days late erroneously We needed a loan this month and Bank of America made my credit go down over XXXX something points based on that late payment that they said, and Bank of America needs to do something about that These people are rude and disrespectful. Theyre disingenuous and theres too many errors on the part of a bank, paying the wrong amount to the wrong card saying that you use over the amount that you were supposed to use on your account when youve never done that before but it was based on the error that that happened them reporting you to the credit bureaus as XXXX days late and later they said that that was a mistake because you never were XXXX days late and all of the people lying and telling you that you werent the one that paid your bill when finally, the truth comes out that it was XXXX XXXXXXXX XXXX representative, who paid the wrong amount to the wrong cards. This is frightening they put me in a very bad situation that my credit can not be changed for another XXXX months until the end of this discovery even though they take responsibility for it I am not in XXXX and I do not have. access to those letters they say theyre sending to my house My mother had a XXXX and I am not returning to the states until XX/XX/XXXX or after they have inconvenienced me. They have really messed up any potential for me to get assistance. Moneywise with my company. 

They need to be penalized. They need to fix my credit and they need to pay me they take money from us every time we are wrong. They owe us money when they do wrong and this is a largess amount of error on the part of Bank of America. I will not let it go and the attitudes of the employees in the representative protecting the bank is really criminal

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 monetary relief