Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was shocked beyond belief to learn yesterday that XXXX XXXX has arbitrarily, unilaterally without warning, and totally without basis, reporting me to XXXX credit bureaus. I have no doubt this is the result of shear retaliation and vindictiveness against my complaint about his utter negligence and incompetence ( see first attachment dated XX/XX/XXXX ). We live and function in this society relying on credit scores, which sometimes is more important than life itself. But XXXX so viciously and callously damages my credit just to satisfy his sick sadistic ego! Particularly under the circumstances ( truly negligent and incompetent ) described below. XXXX thinks he is GOD! I am a Bank of America customer for years. I am always in perfect standing with all my accounts : checking, savings and XXXX credit cards. I always pay credit cards in full within days. In my 29 years in XXXX XXXX ( and longer elsewhere ), I have never paid XXXX dollar short or one day late to any companies or on any bills. My credit scores are always above XXXX. These facts are a matter of records. Starting XXXX, I had a dispute with a merchant BofA credit card as payment, amount {$250.00} ). Now, 5 months later, XXXX still can not get straight ( 5 different sets of excuses ) that " refund '' or " no refund '' - back and forth playing with my money like his own money. The process was ridiculously arbitrary, totally without any logic or reason. I was so fed up and accused XXXX for being negligent and incompetent. For one thing, XXXX kept changing the reasons of no refund/no refund, and even use the SAME evidence to say : " refund '' and SAME evidence to say " no refund '' - go figure! No one has rights to play other people 's money this way! When I pointed out XXXX 's problems in XX/XX/XXXX, instead of correcting his actions, XXXX became vindictive and retaliatory and wasted no time to report me to XXXX credit bureaus with criminal intention to damage my credit scores. No idea how XXXX or anyone else has rights to do so. As of today, all my accounts with XXXX 's stupid bank are in good standing, and in good standing since day 1 years ago!!! This is definitively not a " non-payment '' issue. The {$250.00} was reversed by this XXXX only on XX/XX/XXXX, the monthly billing cycle is not closed yet. And I am already in default?! Even if I received the monthly bill, and even if I paid minimum payment, I am still in good standing. Even if I refused to pay the entire bill ( including other purchases ), the bank is required to inform me and warn me before damaging my credit. Using credit bureaus as XXXX 's retaliation tool is simply too easy, but criminal. This letter is to demand that XXXX : 1. XXXX immediately retract the retaliation actions against me at XXXX credit bureaus, and provide me with a copy of retraction. 2. I seek monetary punitive damage for damaging my credit scores under the circumstances. 3. XXXX refund me the {$250.00} for services never rendered.

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