Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It is clear that the bank continues to confuse me and my father and is failing to comply with the laws to show I signed to be a contractually liable party as it doesnt exist as I was always ONLY an authorized user on my parents account. I demand the CFPB step in and get BofA to remove me from this account as it IS NOT MINE! 



A response to BofAs letter : - We have the same first name but, obviously, we are two different people. He passed away before my mom but, since she kept the account she may not ever notify the bank of dads passing. 



- It is not true you sent to main to XXXX XXXX XXXX. You mailed it to XXXX no middle initial. NOTHING from Bank of America has ever been sent using either of our middle initials including our actual physical cards. I believe the lack of a middle initial is what caused a lot of the issues on the account as Bank of America is treating us at the same persons in error and have co-mingled our profiles even though we obviously had two different dates of births and SS #. 





- Note : I remained on the account as an authorized user with my mom to help her manage her bills but, again 100 % of the transactions including payments were hers. 





- Secondly, the bank lists an old address of mine as the address of the record. That is because my mother lived with me after my fathers death, from XXXX until her passing. So naturally, that is where she received correspondence too. It was OUR address. 

- Third, the bank lists the bank account change for the payment method. This occurred after her death. I was never on the XXXX account that the payments were being made from. I was forced to keep up the payments on my moms account because the bank has refused to status the account as a deceased and remove me as an authorized user off of the account. 



- Fourth, the account was added to my Bank of America profile by B of A after they purchased my mortgage and I set up an online account to make my mortgage payments. I notified the bank this was an error but, I never was able to get it removed from my personal profile. 


RESPONSE TO MR. XXXXXXXX XXXX LETTER : B of A claims the account ( XXXX ) was opened on XX/XX/XXXX They also list a previous account number. ( XXXX ) I know my parents had a XXXX  card dating back to XXXX. Is this new number the evolution of that account? 

If the XXXX date is correct at that time my parents were married and living together with all finances maintained jointly. I was not in any way tied to their account. BTW I was barely of age at this point and didnt have any combined finances with my parents. Only my mom and dad were on that account. 

My father, XXXX XXXX, no middle name, SS # XXXX and my mother, XXXX XXXX, SS # XXXX held the above mentioned joint account. 

My name is XXXX XXXX XXXX SS # XXXX. Similar but we are two individuals with different SS # s I was added as an authorized user when they got older to help them manage their finances. I dont recall exactly when that was. But, I was never added as a responsible party. 
My father passed away in XXXX, XXXX. 
My mother maintained the account and I have no information if she ever notified B of A regarding the passing of my father XXXX XXXX. 
Mr XXXX states that statements were mailed to XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX, CA XXXX. 
This is false. A middle initial was NEVER used by BofA on any correspondence. 

XXXX XXXX did live at that address as she moved in with me after the passing of my father. She also moved with me to my current address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

That is why statements for her account were mailed to this address. It was OUR residence. 
Note that statements were also mailed to an address on XXXX XXXX, XXXX, CA for approximately 10 years which is where my parents resided until my father 's death in XXXX. I NEVER lived at that address. 

Mr XXXX states that the CC account was added by me to my B of A online profile. This is also false. B of A purchased my existing mortgage. When I created an online profile to manage my mortgage account B of A added the CC account to my profile. I tried to remove it but was unable to do so. I didnt think much of it since I was helping oversee my moms finances but, by no means was I liable for this account so personally I didnt think it should have been added to my profile. 

I have had issues with this account dating back to XXXX when I applied for my mortgage. Many of my father 's accounts were commingled with mine and I had to work through the credit bureaus to attempt to remove these items as they negatively impacted my credit profile, just as now. 
Mr XXXX states that after I contacted B of A on XX/XX/XXXX to once again try and clear up this inaccurate reporting a letter was sent confirming my liability. This is false. 
The letter, see attached, from B of A dated XX/XX/XXXX specifically says that my information was combined with someone with the same name. 
I sent copies of death certificates for both XXXX XXXX and XXXX XXXX as requested by B of A. 
All payments for the account were sent from a XXXX XXXX  ( XXXX ) account owned by my mom XXXX XXXX. I am not nor ever was a signer or user of that account. 

After the passing of my mom XXXX XXXX I started making payments on the BofA account, hence the switch to the XXXX XXXX account ( XXXX ). I started making these payments because BofA continued to refuse to remove me as an authorized user from this account so I needed to protect my credit since B of A was erroneously reporting this account to the credit bureaus and I did not want negative reports appearing on my account. 

In summation, if B of A would look at the SS # s of the original account holders they would see that this account was my father 's and mother 's, not mine. If they would analyze the payment history they would see I had nothing to do with the accounts used to pay this CC until the passing of XXXX XXXX. They can also see that this account has not been used since the passing of XXXX XXXX. 
This is all because my father and I had similar names and I shared addresses with XXXX XXXX after my father 's death. 
Once again I request that my name be removed from this account and from all credit bureaus. I have shown, without any doubt that the cursory " investigation '' done by Mr. XXXX to be full of assumptions and generalities that I have disproved or explained on each point.

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