Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I opened a loan with Countrywide in XXXX, who serviced their own loan until Bank of America bought Countrywide in XX/XX/XXXX. __________ I had XXXX late payments from XXXX to XX/XX/XXXX which I was 45 days late paying with my XX/XX/XXXX payment on XX/XX/XXXX, XXXX Without my knowledge or without any disclosure by BOA much less lack of investigation by XXXX of my dispute that I had XXXX deferred late fees caused by BOA Home XXXX XXXX Countrywide XXXX XXXX for my XX/XX/XXXX payment on XX/XX/XXXX, including consistently reported " ok '' payments for XX/XX/XXXX and XX/XX/XXXX by BOA, after providing XXXX strict proof of my claim that I had sufficient funds to pay for the reversal from BOA of XXXX XX/XX/XXXX payment and that the payment wholly cleared my bank and BOA Home XXXX XXXX {$1400.00} XX/XX/XXXX from a larger payment.______________ BOA and XXXX refuse to take XXXX action and remove the payment reversal and issue an error correction in my payment history, as soon as I discovered the payment cleared my bank and was never returned to my bank by Bank of America Home XXXX XXXX XXXX XXXX XXXX inaccurate payment history at the least at XXXX as I was NOT 30 days late with any payment made to XXXX up to the month they forced me into a 30 days late payment of XX/XX/XXXX when they ceased taking monthly payments and accelerated my loan 's principal debt without legal cause as XX/XX/XXXX was paid XX/XX/XXXX, XXXX was paid on XX/XX/XXXX, XXXX was paid on XX/XX/XXXX, XXXX was paid XX/XX/XXXX, and lastly I was not given credit for the {$1500.00} loan payment for XXXX that I paid on XX/XX/XXXX. I had XXXX late payments at BOA reported inaccurately as XXXX, which I was charged by XXXX for XXXX BOA deferred late fees. ________ On most reports XXXX claimed I was first delinquent to the CRA 's without reporting the inaccurate claim of XXXX or XX/XX/XXXX as disputed for 7 years. ___________ XXXX failed to investigate my XX/XX/XXXX to XX/XX/XXXX XXXX 's claims as well, never mentioned anything about a XXXX reversed payment credit at BOA to which XXXX knew of and omitted disclosing to me at all. XXXX couldn't obtain a BOA account history during this time because of the loan servicing transfer BOA would not accept any phone calls from old customers, and XXXX XXXX having XXXX in their possession and deferred to claiming no error existed or that somehow each agent claimed to have confirmed my late payments as accurate when there were none at XXXX until I was no longer allowed to pay for monthly loan payments in XXXX The error in reversal of my XX/XX/XXXX payment as attached is causing XXXX, after my discovery of willful and reckless fraudulent concealment of the BOA account history, caused me to endure 7 years of inaccurate information being repeatedly provided to all CRA 's and XXXX exists as inaccurate payment information in the attached XX/XX/XXXX Verification of Mortgage from 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