Consumer complaint received 2020-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/XXXX of XXXX, I saw a card on my credit report that I had a balance of {$360.00}. I had no idea what that was and I called Bank Of America and spoke to a representative there that transferred me over to somebody else which transfer me over to somebody else and told me that I needed to call, I do not remember who since it was so many years ago, but I called all they told me and they told me to call back Bank Of America. Bank Of America asked me to write the alarm. This was back in XXXX. I made numerous amount of phone calls, emails, and I wrote them three different times. I never had anybody respond to me not once with the exception of a supervisor that did call me back but then got lost and I could never get back to her. I had forgotten about this and thought this was taken care of. I just looked at my quick report yesterday, and saw The same account which is obviously closed but in a state of derogatory. I take my scores very seriously, and do everything I can to make sure I have a high score. Obviously, this has been hurting me for many years. In addition, in 14 years they have not attempted not one time to contact me regarding this account. I called them yesterday and of course they told me I had to write a letter to the same people that he told me to write to 14 years ago. First of all, I dont understand is this account was opened in 2006, how can I still linger on my report? This is not fair at all! I feel like I am being taken advantage of. In addition, in 14 years they have not attempted not one time to contact me regarding this account. I called them yesterday and of course they told me I had to write a letter to the same people that he told me to write to 14 years ago. First of all, I dont understand if this account was opened in XXXX, how can I still linger on my report? This is not fair at all! I feel like I am being taken advantage of. Apparently, according to the guy I spoke to yesterday, my account has been sold to several creditors. He first suggested that I call the creditor. That is ridiculous! I am not going to pay XXXX XXXX of this account. It is not mine, I dont know what it is, I have tried on my own to resolve it, and I have gotten nowhere. Its {$360.00} is worth going to court for for Bank Of America, then so be it, Im not going to lead an institution like this take advantage of me. I can easily pay {$360.00}. Thats not the point. I have already filed a dispute with XXXX  and they came back with everything the same and on top of that they tell me that this account is supposed to stay on my credit report until XXXX. If you look at my history, I have about 15 different credit cards. Every single one of them at a XXXX  balance. I have close to {$50000.00} in credit. I do not mess around with my credit. Again, this is not mine, back in XXXX I asked them to tell me what exactly was purchased with {$360.00} and if they say it was me, to show me some type of receipt or something that I signed or I authorized For them to charge me {$360.00}. I never even had this card. Please take care of this for me. This really is not fair for an individual which is retired and trying to maintain a good status with his credit report. I provided a snapshot of the area in my credit report that shows this transaction with some more details which may help you figure out what is going on.

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