Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
RE : Bank of America Credit Card Account # XXXX 1. On XXXX XXXX, 2016, I received an adverse action from XXXX Bank after applying for a credit card. The reason, in part, was that I had XXXX delinquent credit cards on my credit report. 

2. In early XXXX 2016, I found XXXX accounts on my credit report, that should be removed per XXXX XXXX XXXX XXXX which states that accounts with adverse information can not remain on a credit report by more than five years. For background, all XXXX accounts had collections issues in the past, but all XXXX collections issues with each lender were resolved. Each account was closed and marked as paid as agreed. This all occurred over 5 years ago. 

3. In early XXXX 2016, I disputed all XXXX of these accounts with XXXX. ( confirmation # XXXX XXXX 4. By XXXX 2016, XXXX lender removed the adverse information, and a second lender deleted the account from my credit report. However, XXXX lender, Bank of America, would not remove the account. 

5. On XXXX XXXX, 2016, I contacted XXXX to discuss the dispute with Bank of America. I was advised to contact Bank of America by XXXX. 

6. On XXXX XXXX, 2016, at XXXX XXXX, I spoke with XXXX XXXX at Bank of America Collections XXXX I advised XXXX of the situation and Bank of America 's violation of NYS law XXXX XXXX XXXX refused to remove the credit card account from my credit report and instead demanded I pay Bank of America {$39.00} for a closed checking account ( an account I had no recollection of, nor was reporting as a delinquent account on my credit report ). Rather than risk a new credit issue, I paid Bank of America {$39.00} ( even though they provided no evidence that I indeed owed them for this newly discovered debt, nor could they provide details on the account 's history ). I warned XXXX XXXX of my intent to file a CFPB complaint over my experience ; he stated that a supervisor would contact me if they felt I had a valid claim. No one contacted me. 

7. On XXXX XXXX, 2016, at XXXX XXXX, I spoke with XXXX XXXX at Bank of America Credit Reporting Department XXXX I made her aware of the situation and my intent to file a CFPB complaint. I advised XXXX of Bank of America 's blatant disregard for NYS law XXXX XXXX XXXX advised that she would research my request, and 24 hours later, XXXX called me back to state that Bank of America acknowledges my concern but it 's not their responsibility to address this issue. XXXX faulted the credit reporting agencies ( i.e. XXXX, and XXXX ). 

8. On XXXX XXXX, 2016, I started a new dispute with XXXX over the same Bank of America account. I provided XXXX with the updated information and my intent to file a CFPB dispute. ( confirmation # XXXX ) 9. On XXXX XXXX, 2016, XXXX responded to my second dispute and refused to take action. At XXXX, I called XXXX XXXX and I spoke with " XXXX '' a supervisor with XXXX XXXX She provided confirmation # XXXX for the call. XXXX advised me that XXXX would not remove the account, and that I should contact Bank of America or dispute again. However, as I explained to XXXX, I already dispute the account and Bank of America refused to remove it. 

10. Due to the blatant disregard for NYS law XXXX XXXX by Bank of America, I am filing this complaint. While XXXX, and potentially other credit reporting agencies may also be responsible for this violation, I 'm initiating my first complaint against Bank of America. 

I would also like to add, I feel extorted by Bank of America. After attempting to resolve an illegal credit reporting action, they forced me to pay them {$39.00} for a checking account I had no recollection of. Moreover, they never resolved my original issue ( the removal of the credit card account ). 

I appreciate your help in this matter. Thank you.

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