Consumer complaint received 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
This complaint is in regards to a phone call I placed to Bank Of America regarding the account listed above on XX/XX/XXXX. I called to inquire about this account that is listed on my Credit Reports ( my one and only BOFA mark ). I spoke to a Customer Service Representative. He informed me that your company does not have any record on this account with respect to any late payments.. 

Please also see the attached letter that was mailed to Bank Of America via USPS certified mail. 

These are my notes, which will be reflected in Bank Of America 's recording of the call. 


This complaint is in regards to a phone call I placed to Bank Of America regarding the account listed above on XX/XX/XXXX. I called to inquire about this account that is listed on my Credit Reports ( my one and only BOFA mark ). I spoke to a Customer Service Representative. He informed me that your company does not have any record on this account with respect to any late payments.. 

I spoke with Represenative XXXX XXXX out of XXXX, AzOur conversation, which Bank Of America has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

Speaker : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at one time the account did go six payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

Speaker XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
Speaker XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

Speaker XXXX : Correct, that 's when we show that it was opened and it was actually closed on XX/XX/XXXX. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

Speaker XXXX : Okay one moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

Speaker XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
Speaker XXXX : You did? 

XXXX : Yes. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

Speaker XXXX : Okay, all right thank you.

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