Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
PLEASE REFERENCE COMPLAINT ID : XXXX-XXXX Note : Bank of America is trying to protect themselves from a lawsuit and any form of litigation from me. This error with my refi has negatively impacted my life. It has stopped me from getting loans and a job that ran my credit. I want all four credit bureaus Bank of America Stated in their letter ( XXXX, XXXX, XXXX  and XXXX ) information updated to reflect no late payments for the months of XX/XX/XXXX through XX/XX/XXXX ( months that the refi issue took place ). I am asking Bank of America to fix this issue and if they need for me to sign a legal statement/document stating they claim no wrongdoing and I have no grounds for any legal actions by them correcting this error I will sign the drafted document. I just want my life back. 

Good morning Consumer Financial Protection Bureau, I am adding this additional information to my complaint in order for your bureau to review the new information and ensure Bank of America does right by me as a consumer. I filed my complaint with your Bureau on XX/XX/XXXX. Attached in my additional complaint is what Bank of America does to the people that they service they feel have no power. They have already made a determination without doing any kind of real investigation. They sent the results of my complaint ( in error ) to me dated in the letter XX/XX/XXXX before even completing the investigation. Than sent a letter dated XX/XX/XXXX they are still doing their investigation and need more time. Bank of America has destroyed my life and all I am asking for at this point is relief. They no longer service my loan and even after their error and over {$50000.00} paid to them to bring my account current back during the refi process they still are harming me. I am a XXXX XXXX   XXXX veteran and there were programs I qualified for Bank of America never tried to help me access in the refi process. As stated in my original complaint. They never once reached out to my VA rep to help me save my home having a VA loan they were required to do that. 

Bank of America Timeframe During this complaint process : - I received a call from Ms. XXXX XXXX on Friday XX/XX/XXXX. During the phone call I told her that I was on travel and would not be able to talk in detail until Tuesday XX/XX/XXXX. She told me the call was to update me and she would call me on XX/XX/XXXX. 
- On Tuesday XX/XX/XXXX Ms. XXXX called me to inform me that Bank of America ( her ) was still investigating my complaint and parts of her review was with the department that handles credit reporting. She told me that she would be complete with her investigation in the coming weeks and she would call me once a week to keep me updated. 
- Bank of America Sent me a letter dated XX/XX/XXXX ( in error ) stating they determined that they accurately reported my account to all four credit bureaus. They stated in their letter they completed their investigation and have confirmed the information. 
- Bank of America sent me a letter dated XX/XX/XXXX stating that Ms. XXXX XXXX had my complaint and was currently reviewing/investigating my complaint and more time was needed in the review process. The letter also stated Bank of America would contact me before XX/XX/XXXX and if not will keep me posted. 

Attached : - XXXX XXXX XXXX XXXX XXXX XXXX veteran letter from the Department of Veteran Affairs - Bank of America letter dated XX/XX/XXXX stating they have completed their investigation - Bank of America letter dated XX/XX/XXXX stating Ms. XXXX XXXX has my case and will be conducting her investigation - Screen shot of phone call from Bank of America dated XX/XX/XXXX - Screen shot of phone call from Bank of America dated XX/XX/XXXX

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