Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

XXXX XXXX is a subsidiary of Bank of America. Shortly after XXXX XXXX, 2017 XXXX XXXX sent me a bill for {$350.00} for purchases made from XXXX XXXX, 2017 - XXXX XXXX, 2017. An additional bill for {$380.00} bill for new purchases made XXXX, XXXX, 2017 - XXXX XXXX, 2017 was sent to me shortly thereafter. Both bills were sent erroneously to XXXX XXXX, XXXX . XXXX in XXXX, XXXX, HI XXXX. I made an offer to purchase the condo at that address but the sale did not go through. I filled out and submitted a CHANGE OF ADDRESS form to the XXXX Post Office. When my condo purchase did not go through, I quickly submitted another form to the Post Office to redirect all mail back to my correct address, XXXX XXXX XXXX XXXX in XXXX, Idaho, where I had been living for over ten years. My many credit card companies, except for XXXX XXXX and Bank of America, corrected my billing address and ensured that my bills were sent to my correct address in XXXX, Idaho. I assume other credit card companies may have had to send out multiple bills to ensure that I received them at the proper address. Instead of Bank of America correcting my address, as did all of my other credit card companies, Bank of America complained about me to my Consumer Reporting Agencies, which include : XXXX XXXX, XXXX, and XXXX. Bank of America submitted information to those agencies which severely damaged me for non payment of monthly bills. As a result, my FICO score was decreased by XXXX points. My credit rating was also decreased from XXXX to XXXX. On XXXX XXXX, 2017, I had a telephone call with a service representative from XXXX XXXX. I learned at that time that I owed XXXX XXXX {$780.00}. I paid the total amount due during my XXXX XXXX, 2017 telephone conversation. I was also shocked to learn that I owed XXXX XXXX money for bills which I never received. Shortly after XXXX XXXX, 2017, I received a letter from an unidentified Bank of America employee, at my correct Idaho address this time, stating " no bank errors have been made concerning your payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' I thought that this was clearly wrong because : ( 1 ) the XXXX XXXX bills were sent mistakenly to the wrong address in the wrong state, ( 2 ) I had no idea about the existence of those bills, ( 3 ) all my other credit card companies had correctly changed the address back to my valid Idaho address. Furthermore, early on when XXXX XXXX referred this matter to the Bank of America Collection Department, I was sent a letter by the Bank of America " Mortgage Fraud Claim '' department. I contacted Bank of America and told personnel there that I never had a " Mortgage '' with Bank of America or XXXX  XXXX. Secondly, I was not making a " Fraud Claim '' On XXXX XXXX, 2017 I contacted by telephone the Bank of America Customer Services Department. The Customer Services Representative I talked to refused to consider my request to have Bank of America correct my credit report information. He also refused to provide me with the name of any governmental agency in charge of investigating complaints by consumers against banks. XXXX XXXX