Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am coming to beg for help, My husband was a XXXX and was laid off when the economy tanked. We went to Bank of America who right after bought out Countrywide. We filed out paperwork for a modification, I would call every Monday, I always got a different story, after several months they would give me some excuse and I would have again do paperwork. I called consistently and this went on until I had done the paperwork, faxed or emailed them 10-20 times. Close to a year and a half I was getting scared frazzled. I called them weekly at this time afraid anytime they would take our home. They had this stupid little guy come every week hand me a piece of paper saying call the bank, he then would take a picture of the house. It was so so embarrassing, we live in a nice neighbor hood. I would tell them I call the bank every Monday dang it. 



After all of these, I typed a letter explaining everything that went on with them for almost two years. I sent it to every government office I could. To my surprise the Attorney General in XX/XX/XXXX called me and stepped in to help. After all this stress and worry we put our home we loved on the market, because we were so worried and stressed to the max. By the time the Attorney general got them to move we had a contract to sell our home for less than we bought it 10 years before. By the time countrywide had reamed us in helping us years early. Our home we purchased for XXXX had a balance of XXXX after 10 years of payments. 



Here is my problem I need help with, I have been fighting our credit reports with Bank of America begging for them to either delete our account off both our credit reports with all three credit reporting agency. In all fairness, my husband after being laid off landed another Job. We could had made our payments, but Bank of America was still working on a modification. They said the first dispute in XX/XX/XXXX that we short sold our home instead of taking that make 4 payments and then we will give you a modification. They only offered after the Attorney General stepped in, we had accepted a short sale contract. 



I feel it is not our fault there is years of 120 days late on our report, they have been holding us hostage since XX/XX/XXXX. We can not buy a home, car without paying 22 %, my husband is XXXX this year, I am XXXX. I have just fought XXXX XXXX, my husband needed XXXX but we cant take a loan because of Bank of America. They ruined people which is on them and in all fairness should delete their mistakes for good people. 



Please we do not deserve to keep paying for what was a mess with the Banking industry and I am tired of them holding us hostage. Why is this all on us, I did not drag my feet and make them jump through their hoops and jerking us around. 



XXXX and XXXX XXXX XXXX

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