Consumer complaint received 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
To Whom It May Concern, XX/XX/2020 I went to Bank Of America at XXXX In Florida when I met representative he told me to come back in that he would get me a secured credit card. I told him well my credit is terrible and I cant have anybody check my credit because I dont want to have my credit checked because its going to hurt my credit score because I finally paid off all my bills and if somebody does a credit check its going to hurt me. He said oh no no we do not check your credit its a secured credit card dont worry about it. So I signed what I thought that was the release to get my secured credit card so I can put my deposit of {$500.00} dollar thats what he asked for. XXXX and behold they ran my credit and they said they werent going to do that and it was very very frustrated and very very disappointed to be lied to and then to have my credit score go down, as I worked so hard to pay off all my bills to get my credit score up. Im just letting you know Im going to let the world know and tell all my friends about what Bank Of America did to me and what happened that they hurt my credit score and they lied to me. I was going to change to Bank Of America for my banking needs but now I changed my mine especially what they did to me. I got a letter on XX/XX/2020 that I was declined but it said for a regular credit card not a secured credit card for what I thought I applied for. I was so frustrated and upset that I left a message for representative to call me in regards to this letter. I never heard from him on FridayXX/XX/2020, so I called the toll free number of Bank Of America trying to find out what happened. I indicated I never applied or authorized for a regular credit card at Bank Of America. It was supposed to have been a secured credit card at Bank Of America. I was also lied to about the credit card and lied to about checking my credit. Now its a hard inquire and now its on my credit report. I feel that Bank Of America should be responsible of taking this off all my credit reports and for all credit bureaus. Representative indicated after 6 months to a year after showing that I have been paying on time to show that I am responsible on paying on my secured credit card with Bank Of America. Then the representative indicated after I have shown on time payment with my secured credit card that is when they would issue me a regular credit card and that the secured credit card gets thrown away or cut up. I never approved to process a regular credit card and I was violated my legal rights. I spoke to a bank representative at the toll free number for over an hour, made a case and the case number I.D. # XXXX that the representative indicated after he read some information on the computer that nothing can be done on his end, that I have to call XXXX to have them take this hard inquire off my credit report. I called XXXX explained everything what the representative of Bank Of America had said. XXXX   indicated the only way this hard inquiry could to be taken off is if Bank Of America writes a letter and sends an email to XXXX that is when it will be taken off my credit report. I called Bank Of America again spoke to someone else for another hour and explain to them what XXXX indicated that they needed a letter from Bank Of America in order to take off the hard inquiry off my credit report. I feel Bank Of America doesnt want to take responsibility that there employee processed a regular credit card application instead of the secured credit card application that representative and I had discussed for me. 

Sincerely, 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