Consumer complaint received 2019-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Back on XX/XX/XXXX my wife XXXX XXXX passed away. I currently reside in XXXX XXXX New Jersey and have been a 27 year customer of Bank Of America with over seven accounts linked to my login and screens. When she passed away a joint account that we had as an overdraft protection for our checking accounts I assume was frozen due to the notification of the funeral home to the Social Security administration and all the other flags they go off when someone passes away. Shortly after the holidays into the new year currently XX/XX/XXXX, I apply through Bank of America for mortgage loan for the kids and I to find a new residence to live in. 
Always having a very high Phico score somewhere near 800 for many years, I am notified by my Bank of America loan mortgage officer that I am un-loanable due to five negative entries made by Bank of America to the three crediting agencies. When I look into it, the five negative entries made by Bank of America were in relation to the overdraft protection account that had an outstanding balance of {$22.00}. This unpaid balance stay that way simply because I never received any statement in the mail, through email, via phone call, or text saying that there was an Outstanding balance to still be paid. With well over six accounts linked to Bank Of America I couldve very easily pay the {$22.00} but Bank Of America chose instead to send me into collections and ruin my credit rating therefore not having the ability to acquire a loan. After contacting the bank and the regulator for Bank of America which her name is XXXX XXXX, Im eventually transferred to a gentleman by the name of XXXX XXXX who is the right off supervisor based out of XXXX North Carolina. This individual was unwilling to help me in anyway and all he did was simply print out all the statements that I never received and mailed them to me. After three separate phone calls he never once gave me an option or a form of resolution to help me. I asked him on multiple occasions what my options were as a consumer that is now dead in the water and unable to acquire a loan of any sort and he never offered any assistance or seem to be interested in helping in anyway. The bank refuses to send a letter out to any of the accrediting agencies to repair this after I have pleaded multiple times asking them that as the middle-class consumer attempting to rebuild his life they simply seem not to care. I have reiterated that to them that at any moment had they contacted me in anyway I wouldve immediately canceled the balance of that {$22.00} which I eventually did over the phone with Mr. XXXX in a matter of minutes. To me this is a classic example of the giant not caring about the consumer although I carry a platinum Title with Bank Of America, they simply threw me to the side and offered me no resolution or means out of this issue after I pleaded with them that I never received their statements. All I ask is some assistance in possibly getting the bank to help repair my severely damaged credit history

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