Consumer complaint received 2019-02-28
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: Information belongs to someone else

Complaint:
Background : My father and I have exactly the same name, except I am XXXX and my late father was XXXX   ( Neither one of us typically use XXXX or XXXX ). My father & mother opened a joint credit card account in XX/XX/XXXX. My father then passed away in XX/XX/XXXX. My mother kept that joint credit card open. My mother passed away in XX/XX/XXXX. When I went to her bank branch to inform them of her death, the customer service rep. wanted me to prove my identity and asked for my drivers license and verify my social security number while he typed away on his computer. Our attorney probated legally probated her estate with proper notification to creditors in the papers. The bank put in a claim against her estate for the joint credit card in my parents name. The attorney contested the claim giving the bank the opportunity to re-state their claim. The bank did not reply within the legal timeframe and lost out on their claim. Several months later I got my parents credit card bill mailed to my home address with my name on it. Since I also had a checking account at the same bank as my parents and had given the customer service representative my social security number, they had all my information. When I contacted the bank about my mother and father 's credit card bill, they stated that it was MY bill with MY social security number on the account! Someone at the bank had illegally changed their electronic records and changed my father 's social security number to mine. I sought the advice of an attorney who wrote a letter to the bank demanding proof of the debt and all they could provide were past billing statements that were sent to my mother 's address but suddenly had my name instead. I have fought and fought with the bank and they wrote off the debt in XX/XX/XXXX, but also turned it over to a debt collection agency. I have had several of them contact me or sell the debt to other collectors. This has hurt my credit as well as caused me a lot of emotional stress especially after burying my last parent. The bank refuses to give me the original documents that my father and mother signed which would show his signature and social security number. And I did not " Co-Sign '' their credit card. What the bank did is illegal. Bank of America did remedy the original complaint and removed the debt from my name and the 3 Credit Reporting Agencies. Now Bank of America has reported to the 3 Credit Agencies the " Write-Off '' of {$5500.00} to MY Credit affecting my credit and score again. The Write-Off should not be under my name as the original credit card debt was not mine, it was my parents as originally stated in the first complaint. Also, when I applied for a Credit Card through Bank of America I was denied because of this write-off.

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 non-monetary relief