Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to request your assistance with a complaint that has already been filed. The complaint number is # XXXX. 

In XXXX of this year, I submitted a letter of complaint to FDIC regarding errors on my credit bureau reports and the actions of two separate financial institutions, XXXX XXXX XXXX XXXX XXXX and Bank of America. FDIC forwarded my complaint to the CFPB. 

The CFPB contacted me XX/XX/XXXX, to notify me that my complaint had been received and forwarded to the companies. XXXX XXXX XXXX XXXX XXXX immediately contacted me to address my concerns. It has since informed me that it has worked with the credit bureaus to correct the errors on my credit file. I am told that the errors will take up to 30 days to update to my report. I will follow-up with XXXX XXXX at the end of XXXX to confirm that the changes have been made.

In contrast, Bank of America ( BOA ) has failed to address my concerns. Bank of America contacted me via email on XX/XX/XXXX, to inform me that it had received my complaint and that it was working to address it. The complaint number is # XXXX. The email from Bank of America informed me that I should contact BOA, specifically Resolution Specialist XXXX XXXX, if I have any questions or concerns. I immediately contacted BOA via email on XX/XX/XXXX, to discuss the complaint. I received no reply to my message. Since my first message, I have contacted BOA multiple times at the points of contact provided, via both email and telephone, and I have left messages, but I have received no response. Therefore, I am filing another complaint to request that BOA address my concerns. 
I am writing to request your assistance with a complaint that has already been filed. The complaint number is # XXXX. 

In XXXX of this year, I submitted a letter of complaint to FDIC regarding errors on my credit bureau reports and the actions of XXXX separate financial institutions, XXXX XXXX XXXX XXXX XXXX and Bank of America. FDIC forwarded my complaint to the CFPB. 

The CFPB contacted me XX/XX/XXXX, to notify me that my complaint had been received and forwarded to the companies. XXXX XXXX XXXX XXXX XXXX immediately contacted me to address my concerns. It has since informed me that it has worked with the credit bureaus to correct the errors on my credit file. I am told that the errors will take up to 30 days to update to my report. I will follow-up with XXXX XXXX at the end of XXXX to confirm that the changes have been made. 

In contrast, Bank of America ( BOA ) has failed to address my concerns. Bank of America contacted me via email on XX/XX/XXXX, to inform me that it had received my complaint and that it was working to address it. The complaint number is # XXXX. The email from Bank of America informed me that I should contact BOA, specifically Resolution Specialist XXXX XXXX, if I have any questions or concerns. I immediately contacted BOA via email on XX/XX/XXXX, to discuss the complaint. I received no reply to my message. Since my first message, I have contacted BOA multiple times at the points of contact provided, via both email and telephone, and I have left messages, but I have received no response. Therefore, I am filing another complaint to request that BOA address my concerns.

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