Consumer complaint received 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Other

Complaint:
BOA Of America has violated my rights under FCRA, FCBA, FDCPA, XXXX, I was a victim of identity theft where a card was used fraudulently in my name, I have filed police Report as well a investigation was done by The National XXXX Credit Reporting Agencies, Asking them to remove the information from inaccurate reporting in my name. On XX/XX/XXXX I reported the card lost and stolen alongside some other documentation that was used without my permission BOA/FIA Card services representative alerted me saying that the card would be immediately terminated and that a new card will be issued, any terms and agreements account statements balances besides the fraud will be mailed out with the new card, alongside a fraud statement packet to fill out and returned. As Of XX/XX/XXXX per BOA/FIA Card Services internal records the new card and the fraud statement was never mailed out to me. As of XX/XX/XXXX BOA/FIA Card services started reporting inaccurately to the national XXXX credit reporting agencies, delinquent account history while the account was being investigated. Failing to remove the information after being asked to in writing by me which is violation of FCBA. In till the matter was resolved. After another attempt to have them removed the inaccurate information. Bank of America still reported the information inaccurately. knowing that the information contained errors. On XX/XX/XXXX I called in to BOA/FIA Card services asking them to remove the information was told that a manager would respond in the next XXXX business hrs to no avail i did not receive a phone call. I sent Another letter asking them to remove the information in its entirety from The National Credit Reporting Agencies, which giving them the allotted time frame by federal and state law to correct the erroneous information. BOA/FIA Card Services still continued to report the information. On XX/XX/XXXX I launched an investigation to the XXXX national credit reporting agencies asking them to remove the erroneous information from my file. They responded back to the credit reporting agencies that the information was in fact accurate. In XX/XX/XXXX I was able to obtain a letter stating that the account was opened electronically and that they could n't provide a signature opening the account and because of me being a concerned consumer and calling in that was enough proof for them to state that the account belong to me. I then Initiated a phone call to local law enforcement asking them to investigate the matter. In XX/XX/XXXX BOA/FIA Card services representative by the name of XXXX, told law enforcement that no charges had been made to the card that they were reporting to the national XXXX credit reporting agencies that report number oca number XXXX XXXX NC Sheriffs Dept. XX/XX/XXXX BOA/FIA Card Services representative XXXX XXXX Asked the National Credit reporting agencies to remove the information from off my consumer reporting file for violations under FCRA S 623 15 U.S.C. 1681s-2 That the information had been reported with actual knowledge of errors and Violation under FCBA S 161 section 170 15 i666 And Fair Debt Collection Practices Act 15 U.S.C. 1692d 1692 e 1692f. Which XXXX XXXX of the National Credit Reporting Agencies Can provide Proof of that Conversation. On XX/XX/XXXX After the information was removed BOA Alerted the National Reporting Agencies Asking them TO re-report the information to my name and that they verified all information But failed to provide that information to the CRA 's Then took the inaccurate information assigned it to An outside Company by the Name of XXXX who in returned assigned the information to another debt collection firm by the name of XXXX. Without Sending me the Proper Notices Under those guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed