Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I have requested for several years for XXXX to correct long standing errors on my personal credit profile relating to my bank of America credit card. XXXX has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a bank of America credit card since XX/XX/XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. XXXX   refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XX/XX/XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had Bank of America use and XX/XX/XXXX verification process. So I called again. Bank of America has no idea what XX/XX/XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help XXXX make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both XXXX and B of A multiple times. At least B of A tries to do something. Unfortunately nothing has worked Bank of America Made yet another request for XXXX to update and report the account. They tried a couple of weeks ago. I received a letter from B of A dated XX/XX/XXXX stating that XXXX would not update they account because they say the account has been off my credit report for 7 years. So again I call XXXX and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called Bank of America again today and they have again requested XXXX   update the information to be accurate and correct. XXXX so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.

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