Consumer complaint received 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am an AAA auto club member for the past 60 years beginning in XXXX. 
Thirty years of active membership in the AAA XXXX XXXX  district. 

My annual membership fee ( {$80.00} ) is billed through the AAA Bank of America Visa credit card ( last fouXXXX XXXX ). It is an annual membership fee and not a mandatory visa credit card charge that I initiated. Membership in AAA is my discretion to renew or cancel anytime. 

The problem began in XXXX when I moved to XXXX. The AAA district covers XXXX, XXXX XXXX, and XXXX. 

The AAA office in XXXX said I had to cancel AAA XXXX XXXX  membership and establish another renewal membership for XXXX. 

So, I requested my membership in AAA XXXX XXXX to close which they did. 

I opened an AAA membership in XXXX  and paid with a personal check for the full year to the XXXX XXXX  District that includes XXXX. 

NOW COMES THE BANK of AMERICA MALFEASANCE PROBLEM : I received a BofA visa annual membership billing statement for AAA XXXX XXXX. 

I called the AAA office in XXXX XXXX and they told me to just " trash the BofA visa membership bill '' because I had already paid for the AAA membership in the XXXX XXXX  district/XXXX. 
I called XXXX XXXX  AAA office and they said my account was closed and to just trash the BofA visa membership bill.!!!!! 

I received another BoA visa bill from AAA in XXXX XXXX  district which I paid again to the XXXX XXXX district/XXXX  even though I was already paid for the year until XX/XX/XXXX. Somehow my bill paying process got mixed up!!! 

Later XXXX district AAA gave me two refund checks since I had overpaid the bill twice. One for XXXX XXXX  and one for  XXXX XXXX  AAA. 

The BofA mismanagement billing problem continued out of control. In the meantime, the BofA Visa credit card office in XXXX XXXX, XXXX  sent me yet another past-due bill for the XXXX XXXX   membership that had been closed!!!! BofA failed to contact AAA XXXX XXXX  to verify my account had been closed and to cancel the visa membership bill. 

I called XXXX XXXX  district AAA and they said just " trash the invalid BofA Visa membership bill '' because I was already paid in full!!!!! 

NOW the BofA management XXXX XXXX sent the illegal unjustified non-delinquent nonpayment complaint ( only 2 mos ) to XXXX, XXXX, and XXXX  whereupon BofA and 3 credit bureau 's damaged my credit history/reputation and illegally slammed my FICO score that dropped from XXXX to XXXX through no fault of mine!!!! 

I HAVE NEVER BEEN DELINQUENT ON A VALID BILL IN MY ENTIRE LIFE!!! 

I called BofA XXXX XXXX, XXXX  to correct the problem ( As REFERENCED ABOVE ) but they REFUSED TO DO ANYTHING!!! They said XXXX, just to go to the 3 credit bureau 's and file YOUR OWN complaint even though it's BoA 's XXXX  mismanagement XXXXXXXX!! 
BofA smeared/damaged my credit and reputation and refused to correct their XXXX  mismanagement mistake!!!! 

AAA office in XXXX XXXX, XXXX where I currently live contacted BofA in XXXX to " ASK '' for correction rather than " DEMAND BofA correct the XXXX mismanagement mistake and restore my FICO score back to XXXX ''! 

I contacted the 3 credit bureau 's to file complaints and were sent to BofA for a correction ... ..BofA refused to admit their XXXX   incompetence mistake and failed to correct my credit file history and to restore my superlative FICO score back to XXXX where it belongs!!!! 

Again, I contacted AAA XXXX  XXXX  District for assistance but the office clerk failed to contact AAA Corporate headquarters for Corporate intervention/action and the BofA Visa AAA credit card services Corporate office and demand immediate action to correct their XXXX  mismanagement malfeasance mistake that is pure negligence!!!!! 

My credit history and 3 credit files have been " frozen for more than 30 years '' and are still frozen today.

How can the BofA mental XXXX  clowns insert false-negative unjustified allegations into my three " frozen credit files '' without first notification and/or ask for my approval and or permission??????

The purpose of a " FROZEN '' credit file ( s ) is to block/lockout ALL unauthorized access/activity unless I first agree????? XXXX  negligence by the credit bureau 's BofA illegally canceled two credit cards, last 4 digits : ( 1 ) XXXX ( 2 ) XXXX BofA and the 3 credit bureau 's MUST be sued for damages.

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 non-monetary relief