Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Let me save you the time CFPB, according to BOFA my dispute filed XX/XX/XXXX was rejected they commented they investigated and the account is in litigation. If thats true then why did they respond to my last one and why is it still incorrect? BOFA XXXX XXXX XXXX XXXX same with all XXXX credit reporting agencies. You take the side of the creditor without even thinking for yourself. Last payment made was XX/XX/XXXX making it post to XXXX bill XX/XX/XXXX wouldve been my next due date. I was in communication with BOFA and according to the CARES ACT as long as I discussed with them what was going on then they would be fine and couldnt mark me late ON A CREDIT REPORT FOR 120 days after the first missed payment. XXXX XXXX  days, XXXX XXXX days XXXX XXXX  days XXXX XXXX days making XXXX the first month that this account couldve been considered delinquent according to the cares act. Im sorry but XXXX  being the only ones that have sent me anything detailing exactly what they did thank you for that but its still wrong. Which means that BOFA is not following the laws written by congress which was then signed by the president covering this. Like I said BOFA your lying to the CFPB the credit reporting agencies and breaking the law and openly doing it at that. What I dont understand is why the CFPB doesnt go after you not for the cares act violation thats easily done with everything that youve sent me and since I have been disputing this continuously for 3/4 years and your response here means the statute of limitations for suing you is extended another 2 years I think. But the fact I showed yall are robbing the consumer by figuring the interest due on a higher number then the current balance, you do outline that its the average balance per day but if the balance hasnt changed that month its not really the average then is it? XXXX  of dollars in over charging consumers thats what I dont understand. Secondly you and your legal team then committed perjury when you had a judgement against me instated and lien put on my house using paperwork that violated the cares act. What did you expect me to do? Pay you? I told you when I had the money meaning unemployment checks and so on which takes 2-4 months to even get started I would pay you and when I had the money the late fees which are also against the cares act since we were in communication were so horrendous and the fact you closed my XXXX account why would I? {$500.00} in illegal late fees considering the cares act again very detailed said they should be waived if we were in communication. You didnt do that you did nothing but turn your back on me and so many others who had nothing. The 1 year of unemployment promised XXXX yeah right I got 6 months was denied the other XXXX even with the president saying that it should be extended. At the end of the day I XXXX XXXX XXXX XXXX had debt up to my ears couldnt work cause everything was closed down and XXXX XXXX violate the law and Im still at fault. Nothing ever changes with government and corporations XXXX XXXX on the little people I dont even know why we have a CFPB to be honest. Filed for XXXX giving my money away to someone that was not on my account that they talked to on the phone and nothing was done cost me $ XXXX just in the theft not including the residual affects. You being BOFA which your just the first one Ive got to I have XXXX XXXX, and XXXX XXXX still yet to file complaints against but I dont have the mental capacity to do everyone at the same time and you know why after my rants to your legal team. So here we are whats it going to be class action or under the table XXXX no longer a customer so arbitration agreement is no longer valid your choice BOFA. And can someone please tell me what the charge is for FCRA violations in the matter of credit reporting accuracies? {$100.00} per violation? So whats that per day or per month? Cause all of you owe me and I just showed you why.

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