Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I just got off the phone with a certain XXXX XXXX at Bank of America XXXX XXXX XXXX XXXX which was the equivalent of this quote : " ... XXXX says that the bank 's automated systems are set up to catch more complicated errors, such as when a clerical error at XXXX caused the bank to misreport a consumer 's information. 
However, consumer lawyers say that multiple court cases have demonstrated that many furnishers ' investigation systems are inadequate. " All they 're doing is checking to see if what 's in their computer system is the same information that 's in the ACDVs, '' says XXXX XXXX. So, " what happens is, unless the creditor itself made the correction to its computer system, the dispute process is hopeless, '' says XXXX. 
XXXX XXXX of the XXXX XXXX XXXX XXXX disagrees with that description. " I do n't know how they know that unless they 've been inside the bank, '' says XXXX. " It ca n't just be, 'This is what it 's in our files and that 's what matched, ' '' she says. " They have to do something more than that. '' Read more : http : XXXX # XXXX Follow us : @ XXXX on XXXX XXXX XXXX on XXXX Compare credit cards here - XXXX ... XXXX This quote was taken from an article at XXXX I found while on hold by XXXX separate calls. The author was XXXX XXXX. The article was titled, " Why the credit dispute process is broken : XXXX dispute system backfires on many customers. '' Back to my third circular conversation with XXXX XXXX in Virginia XXXX? ) : She was the supervisor to (? ) XXXX at Virginia. I called in response to a letter I received today, dated XXXX XXXX XXXX. Case XXXX, regarding an account closed XXXX XXXX XXXX, that had activity reported all of XXXX and then closed again in XXXX XXXX. The letter falsely stated the following : " During our investigation we found the following : - This account is reporting correctly on your credit file. Creditors rely on credit rely on credit reports ... .As such, it 's imperitive that we accurately report the accounts of our customers. We 're unable to remove the accounts from your credit file. '' They are helpless victims? Not according to XXXX who told me that only Bank of America can furnish to the credit reporting agencies activity for XXXX. XXXX XXXX is ignorant of the FCRA. Only their investigation can identify WHAT was in fact reported to the XXXX credit reporting agencies listed at the bottom of the letter. They took the same passive tone as XXXX did in investigating this, by looking not at their own files but instead by looking at the current reports in which half of the XXXX have since removed it. Therefore, the first sentence is false. All XXXX would have to be identically reporting for that to be true. " Unable ''???? I have a hardcopy of the first XXXX reports with this on it ; XXXX is most specific. The fourth XXXX : " XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX, XXXX www.innovis.com '' will be contacted next. The law has been broken by both the credit reporting agencies and by Bank of America by this letter and those hardcopies of my first XXXX reports before disputes. I will be mailing a copy of this letter to the XXXX of XXXX in Texas and emphasing that this passive tone by XXXX Texas institutions is unacceptable. It will be an addendum to the letter already mailed after talking the the Fraud department on XXXX XXXX XXXX. This letter was mailed from " Bank of America www.bankofamerica.com '' letterhead and the envelope says the return address is " XXXX XXXX. XXXX XXXX, XXXX, DE XXXX '' and is the first response since XXXX XXXX the bank has provided yet ; albeit a lie. I understand that B of A needs more time as given in their partial response to XXXX of the many complaints I filed with CFPB. This letter proves the article.

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