Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Yesterday, Thursday, XX/XX/2019, I decided that due to the incorrect credit report information that still appears on my report from XXXX XXXX XXXX XXXX, who against the Law, the Fair Credit Reporting Act, keeps reporting my 2 accounts with them as bad Debt, Charge Off, Collections, but all that is not true as the evidence included clearly shows, the only choice I had to cover an unexpected expense from the company called XXXX, was to apply for a Secured Credit Card, and after years with this unsolved problem, which is now waiting for the Appellate Judges Judgment and the U.S. Court of Appeals for the XXXX XXXX, under Appeal No. XXXX, the fact is daily expenses and emergencies still have to be covered, and with the help of my Mother XXXX XXXX XXXX and a cash advance from my XXXX Credit Card now part of the Bank called XXXX XXXX, I was able to find the {$300.00} required in order to apply for this Bank of America Secured Card, which is a Bank product precisely designed to help re-establish our credit, but no matter I was a former Bank of America client, with a credit card with them that I closed years ago in good terms, a credit card that passed to Bank of America when they bought MBNA Amerca Bank years ago, they denied this Secured Credit Card. I am including evidence from a credit report, showing that I had a Bank of America credit card, but the incorrect reports from XXXX XXXX simply are making my credit possibilities reduced to Zero, and is probably impossible to qualify for a personal loan, just to cancel the remaining balance with XXXX XXXX under this conditions, because they keep reporting that I am not paying my accounts with them, which is completely false. Both accounts are Paid as Agreed, in spite of a Discrimination Problem at work, currently waiting for a specific date at the Supreme Court of the United States, next XX/XX/2019, as the included evidence shows. I was able to fully update this accounts, even keeping contact all the time with this XXXX XXXX XXXX XXXX during the whole year I was without inclome, even with some intermediate payments to both accounts, which was supervised by the same XXXX XXXX XXXX XXXX internal customer service, and Mrs. Miss XXXX XXXX was one of them, from their Central Office. Please see the documentation included showing all this the truth. I sued XXXX XXXX after they decided not to recognize their obligation to comply with the Law called Fair Credit Reporting Act, no matter the evidence sent first to the same Bank, then to the 3 credit bureaus, and then to the Bank, the credit Bureaus, through here at the C.F.P.B. With a a main Bank violating the Fair Credit Reporting Act like they do with me in this Case, even a Secured Credit Card could be denied, because Bank of America made an automatic decision within 60 seconds : It takes more than that to write just a line here in this specific part of the complaint. Nobody from the Bank saw this evidence, saw I think is better, faster, and possible to send also to the 3 credit bureaus, and to XXXX, which because their unfair request of a full payment for a balance that was not past due, denying my request to divide the payment, or to accept a partial payment until days before next XX/XX/XXXX, as they approved many times during the past year due to this same problem, because I had no choice but to apply for this payment extension for extra time to pay that XXXX was offering. Now, because of their finance department bad decisions in this case, against me no matter I am their customer for more than 12 years and counting, I can't simply leave XXXX and buy a new cell phone from another company with a pre-paid offer, without hurting my finances in the middle of this unfair problem. See the evidence. I don't want to continue at XXXX, as I informed them even to a Supervisor who tried to convince me over the phone a couple of days ago, but I will have to stay because under this unfair conditions provoked by XXXX XXXX, not even Bank of America wants to approve a Secured Credit Card .This is impossible.

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