Consumer complaint received 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good Afternoon, I hope this message finds those reviewing this comment staying safe amidst this continuing pandemic and social turmoil. I am writing, because I need Bank of America to do what I have asked them to do and retroactively fix my credit ( due to the fact that XXXX falsely reported XXXX worth of debt to my rolling credit profile, triggering a series of events that has ruined my credit ). 

Ever since I opened my new XXXX visa card in XXXX, I had problems with using my card ( s ) ( with the sole exception of the BofA card ) ; and, for that reason, I had to put a lot more purchases on it than I normally would. This started in XXXX and culminated up through the end of XXXX ( as well as into this month ). I want to request that everything is fixed, disappear, erased, etc. And if it is not possible to erase it from the records outright, I want it specifically noted on ALL my accounts ( BofA, XXXX, XXXX XXXX, XXXX, and any others ) that this temporary increase in utilization was a result of XXXX 's negligence and breach of contract ; and, that I, XXXX XXXX XXXX, hold ZERO accountability for their breach of contract and continued negligence. 

I tried calling BofA several times today ( and yesterday AND last week ) to fix this with them, as I am doubtful of XXXX 's ability to fix a profile that isn't theirs ( and I want to ensure my utilization is recorded properly this month - I will get into this in a minute ). I spoke to several BofA representatives ; and, I have been so impressed with BofA 's customer service these past few months ( and their continued support ), and I was disappointed my recent experiences/attempts to get in touch. In particular, a gentleman I spoke with treated me in a way that caused me to feel like an unwelcome and/or otherwise unwanted customer. I truly believe this gentleman was doing his best ( and perhaps just needs some training or a refresher ). And I hope that, in the future, the credit specialists at BofA learn to handle these situations appropriately by providing a direct callback number ( to prevent all customers from having to experience this inconvenience, not just me ) at the beginning of the conversation ( should we get disconnected ). 

If/when we get disconnected, I can not reasonably spend any more of my time ( much less another 30 minutes in queue to speak to a rep + another 15 minutes to connect to a supervisor/specialist ) getting in touch with these companies. It is your responsibility to ensure my account accurately reflects the circumstances these past few months. I am just so disappointed with all the trouble I had this week with getting in touch with you all to fix/check on this issue. 

To move on to what else I want to happen : in addition to fixing my credit, I ask that BofA return any late fees or penalties that I may have been charged for since XXXX. Like I promised XXXX, I will check and see if these two things are done at the end of the month ; and, if they are not, my attorney will be in touch to fix it ( and I am sending you the bill ). Please fix this. 

I also want to request a credit line increase ( from BofA XXXX to {$6000.00}, because I recently closed my XXXX card, and I will need the additional credit to ensure the resultant increased spending ( from no longer having an XXXX account/card ) does not negatively affect my credit utilization, which I prefer to keep under 10 %. 

I made a payment of {$3200.00} to BofA earlier today XXXX bring my total balance down to about {$1000.00} ) ; and, with a credit line increase to {$6000.00}, when my card closes on the XXXX ( four days from now ), my utilization rate will be back on track at about 17 % of my limit ( which is a little higher than I normally like ; and, we may have to address this at some point ( if it has a significant impact on my credit score long-term ) ; however, as of now, I am content with this current solution with the increase in credit and 17 % utilization ).

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