Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Supplemental Complaint TO CFPB ID FOR COMPLAINT SENT TO XXXX XXXX  XXXX XXXX XXXX Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) ( alleged successor to Bank of America , NA ) Supplemental Complaint of : Inaccurate information provided to Credit Reporting Agencies Attempts to Fraudulently Induce a Default Attempts to Fraudulently Induce a Breach of Contract XXXX is Returning Direct Bank Wired Payments to Fraudulently Induce an unlawful Breach Breach of Fiduciary Duty Wire Fraud Embezzlement of Confirmed Payments Violations of Regulation Z Violations of TILA Violations of RESPA Bankruptcy Proof of Claim Not withdrawn XXXX  Never Filed a Release of Lien for the Fraudulent XXXX Deed of Trust terminated by the Alleged XX/XX/XXXX Transfer False and Fraudulent Credit Reporting of HELOC Opened : XX/XX/XXXX I. On XXXX XXXX, XXXX, Bank of America, NA informed me that my HELOC loan had been discharged and the account closed during my phone inquiry on the HELOC account Opened XX/XX/XXXX XXXX. Bank of America, NA = alleged transferee to XXXX XXXX. Exhibit A : XXXX Credit Report Bank of America, NA HELOC : A. Opened : XX/XX/XXXX B. Last Reported XX/XX/XXXX C. Reported Balance {$0.00} D. Account Status closed IV. Exhibit B : XXXX Credit Report Bank of America, NA HELOC : 1. This Account was closed XX/XX/XXXX 2. Last reported : XX/XX/XXXX XXXX. Reported Balance : {$0.00} 4. Nice! You've paid off 100 % of this loan 5. Opened : XX/XX/XXXX 6. Last payment : XX/XX/XXXX 7. Closed : XX/XX/XXXX 8. Worst payment status : Current 9. No Transfer to XXXX you have 0 % left to pay on this real estate loan Clean Slate! As of XXXX XXXX, XXXX, you have no collection accounts on your credit report. 

V. Exhibit C : XXXX Credit Report XXXX HELOC : A. False & Fraudulent Credit Reporting 1. Opened : XX/XX/XXXX ( {$0.00} balance Ex. A and Ex. B ) 2. Reported : XX/XX/XXXX 3. Reported Balance : XXXX ( XXXX ) 4. Account status : Closed 5. Last payment : XX/XX/XXXX 6. Payment history : a. Youve made 100 % of payments for this account on time b. Last payment reported as XX/XX/XXXX = XXXX and XXXX payments were submitted via electronic transfer with confirmation. 

c. Unknown payment entries : documented payment history with confirmation numbers provided to XXXX, CFPB, and Justice Department ( sent via USPS Priority with tracking and signature verification ) d. Account was closed XX/XX/XXXX, indicating XXXX payment NOT OWED, however XXXX and XXXX payments electronically submitted and confirmed eXXXX XXXX never provided documentation to us to notify account closed as reflected in Credit Report information 7. Remarks Bankruptcy XXXX XXXX Bankruptcy Petition a. XX/XX/XXXX, {$0.00} balance ( during bankruptcy Ex. A and Ex. B ) b. XXXX enters bankruptcy claiming balance due from XX/XX/XXXX, {$0.00} balance due c. XXXX never files Bankruptcy Rule 3002.1 mandatory reports d. XXXX never files Amended the Proof of Claim 8. Times 30/60/90 days late XXXX a. Payee terminated in Bank account XXXX Can not submit electronic payments b. No loan statements from alleged servicer XXXX after XX/XX/XXXX XX/XX/XXXX

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