Consumer complaint received 2024-04-26 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: VA

Complaint narrative:
I am writing to file a formal complaint Bank of America regarding the handling of my accounts and unresolved issues with the bank 's services. This letter serves as a continuation of previous complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) Following my initial complaints to the CFPB regarding Bank of America, I received communication from XXXX XXXX XXXX, Resolution Specialist, Regulatory Complaints Operations at Bank of America. XXXX XXXX left me a voicemail and sent an email providing contact information for further discussion. Despite multiple attempts to reach XXXX XXXX, I was only receiving communication on XX/XX/XXXX at XXXX XXXX from XXXX XXXX ( extension/ Ext. XXXX ) During our conversation, I requested an interpreter, which XXXX XXXX agreed to provide for our scheduled discussion on XX/XX/XXXX at XXXXXXXX XXXX. However, XXXX XXXX 's behavior during our subsequent phone call on XX/XX/XXXX was unprofessional and unacceptable. She abruptly ended the call when I mentioned recording the conversation, thereby hindering the resolution process. 

Furthermore, the handling of my credit card disputes and other issues by Bank of America 's fault department has been extremely inefficient and unproductive. Despite numerous attempts to address these matters, I have been consistently redirected between different departments without any resolution. The lack of coordination and accountability within Bank of America 's customer service structure has exacerbated the situation and left my concerns unaddressed. 

Moreover, I have recently received a letter from Bank of America 's collections or credit department threatening to charge off my credit at the end of the month. This action is unwarranted and unjust, as I have not utilized all of the credited funds, and it will negatively impact my credit score, the problem about scams and automatic charges from XXXX in my credit card. 

Given the gravity of the situation and the lack of progress in resolving these issues directly with Bank of America, I urge the CFPB to intervene and facilitate a prompt and satisfactory resolution. Additionally, I request that appropriate action be taken against Bank of America for their failure to address and rectify these ongoing concerns, in a fair and equitable way but instead off phone calling on XX/XX/ from XXXX XXXX Bank Of America after bank recipient my complaint to CFBP, way to deal with the risks and consequences, this has hurt me as a Bank of America customer for over 15 years, and the important it is my credit score has problem. 

Enclosed with this letter, please find recordings of my interactions with Bank of America representatives, as well as any relevant documentation supporting my claims. I will forward communication XX/XX/2XXXX  to CFPB in future. 

I appreciate your attention to this matter and look forward to a swift resolution.

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