Consumer complaint received 2024-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX and her Indenture Trustee XXXX XXXX XXXX received packets from me regarding my resolution and remedy sought to cure areas that had not been remedied over 60 days back and forth + with the XXXX call line and reception office in Pennsylvania. Zero FTC or CFPB complaints were addressed timely. They just passed the 3rd deadline for another report. XXXX opened my email notice numerous times. On Friday, XX/XX/XXXXXXXX  I noticed an alert my XXXX score had elevated. I checked it. My Bank of America Credit card was removed form my credit report via XXXX XXXXXX/XX/XXXX I use my Bank of America Credit card, no issue. XX/XX/XXXXXXXX  I go to use my card after a sizable payment was applied, the card has been revoked and closed. After contacting Bank of America XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX helps me determine at BOA that the reason after ruling out all others was " irregularity with credit profile '' -- I reached out to XXXX via email, she received it and read it. I am attaching this email to the CFPB complaint with this message. This cost me damages. I suspect a XXXX violation as Bank of America is an investor in XXXX. XXXX has added all kinds of fiduciary relationships to my credit file I have never possessed. I have asked numerous times to remove the hard inquiries on my file -- no authorization has been verified through my signature verification upon the 5 disputed inquiries. This was used + the reviews + the promotional pulls to harm my credit file. Additionally, non-public personal financial information is being reported with account numbers, financial payments, balances, limits ( all not anyone 's business ). I requested for this be remedied from both Bank of America ( who declined/refused in a letter XX/XX/XXXXXXXX  ) and XXXX ( who declined via phone conversation XX/XX/XXXXXXXX  ). I am seeking damages from the adverse reactions taken by XXXX XXXX. Racketeering and conspiring to profit in unfair credit transactions that cost additional usury is criminal. Offering products with no intent to fulfill a GOOD FAITH application is criminal and a violation with discrimination under the XXXX. My request has been : \\\\\\\\\\\\\\\\\ Remove XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ; Remove XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX ; Remove XXXX XXXX XXXX XXXX ( All 5 Hard Inquiries ). XXXX removed the credit card XXXX off of my profile that had a record from XXXX -- XX/XX/XXXX with on time payments and was in good standing. Bank of America told me it will read " CLOSED '' at all bureaus. Further, I have asked the specific accounts to XXXX to be corrected as CURRENT, IN GOOD STANDING, PAID AS AGREED on my file and to remove the specified non public personal information that is violating my privacy. I have requested all promotional inquiries be eliminated as I never authorized these, and I be opted out of Promotional inquiries. I have requested all Credit Reviews from non-authorized fiduciary relationships be removed from my file. I have requested XXXX XXXX or her Indenture XXXX XXXX pay all fees in connection to the previous notice ; there is an addition notice being generated at this time for damages from the adverse reactions taken against my credit card. I referenced this card closure in a FTC Complaint with Bank of America XX/XX/XXXX # XXXX // The CFPB received a report for Bank of America XX/XX/XXXX for closing my credit card with adverse action XX/XX/XXXX after amicably troubleshooting and exhausting the billing error disputed XXXX -- XX/XX/XXXXXXXX  and finally received 1 representative ( XXXX XXXX at Bank of America XX/XX/XXXX whom remedied this by sending reports to the credit bureaus re the billing error dating to the date of receipt as XX/XX/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