Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I got unemployed start of pandemic, got into a little debt waiting on payments to start. Had been starting XXXX XXXX XXXX  in spare time, started using website XXXX in XXXX, Ive gotten behind on my taxes, been digging through financials to file. XXXX I averaged $ XXXX {$50.00} in charges a month on leads a month from XXXX, in XX/XX/XXXX I start seeing {$100.00} charges, tried for months to speak to them, couldnt delete card, told bank to freeze merchant, never got help. Just printed statements and went line by line in XXXX. I knew it was a lot but only just Discovered it was {$2700.00} in all, total they stole, from a loyal customer, I won best of XXXX XXXX, finally figured out how to delete my card in XX/XX/XXXX. This was a week ago, since been going through every account, fraud is everywhere, over every account, double charges for steaming apps, fraudulent accounts, paid and paid and paid on cards, never made progress despite {$1000.00} payments, {$500.00} payments. Now the site has a number, recorded call, no help, went to bank, no help. Had paid off one creditor several times, perfect payment history XXXX  XXXX in purchases, closed account, refused to explain or accept the {$200.00} left. I Got behind, overwhelmed, working 7 days a week, paying, paying, paying, creditors closed accounts, changing terms, collections. Kept paying the vendors that didnt change terms and treated me fairly, had them all on my XXXX, spent the whole week disputing fraudulent charges, XXXX of dollars over several years, every single account. Me and wife had Bank of America cards, yesterday they told me too bad about {$2700.00}, I requested printed statements, every account, especially the ones in collections, they refused any transaction data from credit accounts, XXXX XXXX calls and harasses us all hours of the night XXXX times a day, XXXX XXXX XXXX had us served, was trying to make arrangements to pay them {$250.00} paid each account, now its a different firm but I understand now why I could never make progress, unfair lending practices, crazy fees, found so much fraud, outright theft from vendors we ALL trust. I froze our credit, initiated disputes, still have so much to go through. I hold myself accountable, I failed, was to trusting, have and kept my records but I should have paid more attention. Ive just been in survival mode, lady from XXXX told me yesterday I was lying, impossible cuz XXXX XXXX charged card, refused my dispute. Contacted that vendor last night, rep saw service was never used or visited by us and refunded 24 months worth of {$11.00}. Beware of big names and small charges, screenshots and recordings of reps being evasive, lying, decieving. Such a nightmare, still got a lot to comb through. The bank declines a fuel up, verification text but didnt notice XXXX  XXXX, 95 % from XXXX to XX/XX/XXXX. Cards on credit report never heard of now. Was gon na talk to debt consolidation but now we are being warned its a scam. I XXXX XXXX XXXXXXXX, work hard for my money, drywall is heavy. Dont mind paying my own way, done it my whole life. Try to live by the Golden rule, despite being inactive since XXXX, still highest rated XXXX with best reviews on that site for my area. I dont know what to do, or what tools are available. Every single day I get harassed and intimidated, called over and over and over. People trying to take us to court but refuse to show us the charges they say we owe, lenders changing terms, lowering limits, never explain, treat us like dirt. XXXX, weird fees, been drowning for years. Damaging credit, XXXX XXXX XXXX, we trust that we are doing business in good faith, we all have to work XXXX jobs to stay afloat, not sure what to do or what I can do, But Ive been reading consumer law and there are suits against all these crooks that have done irreparable damage in our lives for the same things we are victims of and laws against whats still being done to us today. I just know Ive paid more than I borrowed, despite some crazy inflated balances. I need to review the records but cant access them. What do I do? We need help, this isnt right or legal. Who do you call to enforce the consumer laws?