Consumer complaint received 2019-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bank of America did not contact me in regards to my debt and did not provide me an opportunity to dispute the debt, before they placed the debt on my credit report. Bank of America also placed recently placed additional negative comments on my credit report, on XX/XX/2019, while under dispute with the CFPB. They also did not contact me about the negative comments they placed they recently placed. Also, they reported debt without contacting me and without providing me the opportunity to dispute it, even after reported to them that my identity was stolen. Bank of America also reported 3 different incorrect balances on my credit report, to the credit agencies. Bank of America also did not report the payments that were made on the account. Bank of America did not contact me through my current address nor at my current telephone number, even after I provided them with the updated information. As reported previously, when I contacted Bank of America a couple of months ago, a representative and a supervisor out of the California office ( she stated where she was from ) stated that they do not send out documentation to consumers, but that they call them. I informed them that they had the incorrect information for me, including address and telephone number and that calling is a sign of fraud, as that is how fraudulent activity occurs and that it is not a solid way to verify if they are really calling from Bank of America and that it is why they should send letters, particularly after my identity had been stolen. However, after trying to contact someone higher than a supervisor to put in a complaint, a 3rd representative stated that they do send out letters, however, after verification, Bank of America had the incorrect mailing address for me, even after I had provided them the correct address over a year ago. Bank of America put the information on my credit report without allowing me the opportunity to dispute any charges that are incorrect. Also, a representative named XXXX, from the Bank of America complaints department, called on my current number on XX/XX/2019, during my dispute through the CFPB, stating that I must call her before XX/XX/2019, to verify that it was actually me that put in the complaint through the CFPB which I find to be improper, as if it was important that they knew it was me that put in the complaint. I find this to be improper because the CFPB is a legal entity and verifies all information before submitting the complaint, therefore, Bank of America should not have needed to contact me regarding that I verify that it was me who put in the complaint, but to maybe to discuss the issue. The representative never called me back, even after I left a voicemail. I still have the telephone message for proof. The representative also never answered the telephone after I tried several times to contact her. This is another example of Bank of America 's improper communication issue. This seems like a form of retaliation for them to want to know if it was me who put in the complaint, instead of contacting me to possibly discuss and resolve the issue/complaint.

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