Consumer complaint received 2017-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am writing in to complain and attempt to acquire some assistance with a situation with Bank of America which has brought so much distress, financial lost, and suffering into my life for the past 2 years. After making several phone calls for over a year, making several trips, personally walking into the bank on several occasions, speaking with several managers, the corporate office, etc. to attempt to get help to repair my defamed financial character caused by one error from their bank teller. 

Below is just a brief description of what I have had to endure with Bank of America from XX/XX/XXXX to  presently. 

In XX/XX/XXXX I attempted to refinance my home to take advantage of the low interest rate to not only do some very much needed repairs but to also save thousands of dollars. When I went to a lender to start the process, by surprise, I was told I could not refinance or borrow any money, due to my very poor to absolutely no credit score. While reviewing my credit report, It was found that Bank of America had me as deceased. ( I have my Non Scorable Credit Report ) When contacting Bank of America, it was found not only am I deceased on one mortgage account, I am late on a monthly basis for an entire year, on my current mortgage account and explained it was due to a bank teller applying it to the wrong account, and from there, the problems began This could have possibly been resolved when I previously walked into the bank to pay my mortgage and notified the teller that my statement showed a late payment, they stated it was okay and they will take care of it, on SEVERAL occasions. 

In the midst of all the attempts to rectify this situation, as if I was not stressed enough. I was receiving time sensitive letters offering me mortgage assistance, or strongly advising me to apply for assistance. 

Unfortunately the managers at the local offices werent able to help as much as they wanted, due to the policy of the bank, when calling the corporate office, they were told I needed to call them myself. I have visited the XXXX, California office on several occasions. I am sure if you reached out to them with my story, they will recognize my name. 

Again revisiting the bank for what I thought was a final resolutions and supplying the bank with All 25 copies, 2 years worth of my monthly payment receipts, Several phone calls to the corporate office, etc., the lates and deceased were reversed, finally in the year XX/XX/XXXX. 

All While attempting to have this information reversed, in the mean time, I have experienced a threat of foreclosure, letters offering counseling, and several telephone recorded messages from Bank of America financial services. When I call to rectify this horrible experience, they say theyll research and call me back. This has happened over and over again, with NO resolution. When I call back, I get Theyre working on it This last incident has pushed me over the edge to find out they have AGAIN as of XX/XX/XXXX, added a delinquent account on my credit report in the amount of {$3300.00} and reflecting back to XX/XX/XXXX, and the only explanation that was given was, this is what is owed now that you are no longer deceased. I have never received any notification, statements, etc reflecting this account. Only to find out when trying to apply again for credit, which is still affected by this one debt. Also, now that it exists, it has caused an interception of my tax return. 

I have yet to receive any help, not even a call back, since calling and last speaking with a XXXX XXXX on XX/XX/XXXX and up to a week after following up with a call to ( XXXX ) XXXX, and continuously being told that she is working on it, without speaking with her directly. I have given up on trying to reach out, follow up, or acquire any help from Bank of America. 

Now that I have waited over a year for my credit to recover where I thought I could finally take back control of my life, only to find out Bank of America have again cause an issue where I am appalled by all of the personal and financial damages that I am enduring from them, and for no one to provide me with any help is very disappointed and not acceptable. 

I made a final call to ask them to remove any delinquencies, reverse any deceased, and request a copy of the documentation which they have received to determine that I was deceased. As of today, nothing. Instead I receive a letter asking me to send THEM my death certificateUnbelievable. 

This has affected my life in many ways, just to mention a few : This has caused an IRS audit and pay back, caused financial loses, ruined my financial reputation, I am unable to acquire any type of financing to take advantage of the lower interest rate to save me thousands off my mortgage. 

This have been a long miserable journey. As a veteran of the United States XXXX, who has learned to take pride in everything Ive worked hard for, such as my credit history, which have never been such a disgrace, and embarrassment as a cause of this humiliating situation. I feel I have shown enough patience to have been treated unfairly, disrespected, with little to no concern from Bank of America. 

As of today, I am still waiting, suffering and fighting with Bank of America on reversing erroneous debt in the amount of {$3300.00} added to my credit report sometime in XX/XX/XXXX and still affecting my financial reputation. Out of frustration, I know some of this information could be redundant, my apology. 


I have a copy of all documents below and will forward if possible or needed : *** Mortgage statements showing the erroneous information several which is where it all started. 

*** A copy of my attempted loan documents showing the interest rate I could have received with the payment lowered showing a savings of $ 300 monthly, which I could not get due to BofA defaming my financial/credit reputation. 

*** A copy of credit report showing, non-scorable and deceased and erroneous lates. 

*** Several copies of apology letters from BofA stating they will reverse the damage/s. 

*** One of several copies of documents ( Time sensitive information ) from BofAs Home Loan department, received via XXXX, offering mortgage assistance which they determined I needed and when I called them, they threatened to start foreclosure procedures. 

*** A copy of XX/XX/XXXX credit report which shows a delinquent debt of {$3300.00} from XX/XX/XXXX to present, which I have NOT ever received ANY statements, etc. and have asked for them to remove it. 

*** A copy of a letter requesting a death certificate When Ive spoken with them on several occasions, requesting documents from THEM for the reason of my demise. 

Please help, I think I have suffered enough and I need assistance with getting my outstanding financial reputation back possibly without seeking legal help!

Company response to consumer: Closed with non-monetary relief