Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I called BOA because BOA locked my XXXX card ( CC ) accounts numerous times after trying to access them to make a payment and review my account statements. 

Finally, I spoke with a lady, and she failed to add my XXXX checking account to all my BOA cc auto payments. She failed to add XXXX of the XXXX BOA XXXX to my XXXX account. She had access to all my BOA cc and made the error of leaving BOA cc ending in XXXX without my XXXX auto-payment account. 

BOA reported to all Credit Bureau that my account was late in XXXX of 2024, however, I wasn't aware of the situation, nor did BOA contact me until the late fee was assessed. 

I became aware of this situation ( late payment and credit decrease ) after XXXX XXXX sent me a notification that my credit was impacted, and my credit limit was decreased. 
Around XX/XX/year>, I called BOA, and an employee called XXXX made an adjustment on my cc for the late fee and said BOA would update all credit bureaus. 
XXXX weeks later, I talked to XXXX and she said the same thing and provided case # XXXX for my records. 

On XX/XX/year>, I received a letter stating : that All of the account details we reported are accurate. We reported this account as delinquent for 30 days on XX/XX/year>. This means we wont be adjusting our reporting as you requested and consider your dispute resolved. 

On XXXX, I started getting the round around an employee, XXXX, and told me to call the next day On XXXX, I talked to Supervisor, XXXX and she explained that I was given the wrong info and shared that an apology letter was going to be sent to me ( which I haven't received as of today ). I felt that my conversation with XXXX was hostile and came across as retaliatory. It came to a point that I shared that most likely I was going to take legal action. 

On XXXX I paid BOA XXXX {$1200.00} to improve my debt- ratio, increase my XXXX XXXX, and prevent other banks from limiting my credit limit like BOA On XXXX with no warnings or motive BOA retaliates and XXXX my credit limit again. Other cc companies follow suit. They promised to send me a letter, but they failed to send it as it's their failure to properly communicate. 

It's very disappointing that my score is trash because of the retaliatory actions and wrongful intent actions from BOA. Their actions of not recognizing they failed my access to my accounts and statements. Their actions prevented me from adding my account info and reviewing statements. Their actions prevented me from accessing my cc account. Furthermore, they decreased my credit limit 1 day after I paid over {$1200.00} for no reason since I haven't used the credit card or missed payments with them or any of my other accounts. My credit was 100 % on time until BOA failed to do the right thing and damaged my credit.

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 monetary relief