Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX : 1. Checked my prescreen on this website XXXX XXXX XXXX XXXX.bankofamerica.comXXXX XXXX. Website said I was approved for an unsecured " Customized Cash Rewards ''. 
3. Applied for the credit card, and my application was rejected after a hard pull. BofA then offered me the secured version of the credit card without another hard pull by reusing the application. 
4. I accepted the offer, and then I got rejected again. 

XX/XX/XXXX : 5. I got a letter in the mail asking me to confirm my SSN and Income. 
XXXX. Contacted the number on the back of the letter and asked a few questions. BofA representative stated that BofA just had to recieve the mail within 30 calendar days. 

XX/XX/XXXX : 7. Sent the mail via from a suburb of XXXX to a XXXX XXXX XXXX XXXX ( approximately XXXX miles ) XX/XX/XXXX : XXXX. BofA pulled my credit a second time. At this point it had passed 30 calendar days since their last pull. My problem was that I didn't authorize this hard pull. Also it shouldn't have taken 13 days for BofA to recieve my mail especially since the cities are so close together. ( BofA would later tell me this was due to a backlog. Another agent told me that they recieved it after 30 calendar days. One of the two agents seems to be misinformed to no one 's surprise. ) XX/XX/XXXX till XX/XX/XXXX : 9. Contacted BofA multiple times to get the hard inquiry removed after going through all the papers I sent BofA to make sure that I never gave them permission to hard pull my credit a second time. I was put on hold so many times, agents told me I called the wrong department and also couldn't redirect my call. It was actually so bad, I have memorized the beat to the hold music and could probably play it on an instrument or sing it. Credit department failed time and time again to provide or produce any evidence of where I approved the XX/XX/XXXX hard pull. I tried to offer so many different alternatives such as changing the hard pull to a soft pull, or moving the inquiry to another Credit Reporting Agency as all of my hard pulls were on my XXXX Credit Report. Only one representative was able to properly help me. They said they would start a dispute. I'm not sure of the exact date the representative said they would start the dispute, but I believe it is in the same call where I requested to reduce my Credit Limit from {$800.00} to {$300.00}. Agent also told me that I would recieve a piece of mail in 7-10 days about the dispute. I thought that this would finally be it, and BofA would finally remove the hard inquiry. 

XX/XX/XXXX : XXXX. Contacted BofA to check on the status of dispute because I felt like it had been more than 10 days. Agent said that they couldn't help. The request wasn't something he could deal with. Once again the agent couldn't forward me to the right person as usual. Something I've only heard seemingly way too many times with BofA in the last month alone. Called the number on the back of my letter from XX/XX/XXXX and got ahold of someone on their credit team. After being put on hold twice, the agent said they couldn't help and that no dispute was ever made, nor could the agent see any notes about the dispute ever being requested. 
11. Started a complaint on CFPB 's website.