Consumer complaint received 2024-01-22 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: CT

Complaint narrative:
Bank of America issue with investing my account on numerious occasions. It has taken me this long due to the fact to look everythhbg over because I was sick for the last XXXX years with my XXXX  health. I have put many disputes in and they are not getting corrected or maybe I am not doing them correct. I believe that my credit card account was over paid and also I told Bank of America that I had an authorized charge on my account as well which was never handled. I am going to give all the key events so it does not get confusing. 

XXXX. On XX/XX/XXXX my card was charged for XXXX for and unauthorized charge to XXXX XXXX XXXXor someones medical debit. I have health insurance. Bank of America was suppose to remove this I also disputed this many times. With the credit bureaus and Bank of America. Still not handled XXXX. In XXXX of XXXX my credit card balance was XXXX. My card was maxed out I could not charge anything on it. 

XXXX. On XX/XX/XXXX I paid XXXX dollars XXXX. XXXX/XXXX/XXXX I paid XXXX dollars XXXX. Since XX/XX/XXXX I enter an agreement with Bank of America stating I would pay XXXX dollars a month and the reason was because it would help me show a good payment history on my credit report. That was the purpose of it. It was all said on a record line. I wanted to establish by outstanding payment history. 
XXXX. They had a charge write off for XXXX in XX/XX/XXXX my account closed in XXXX of XXXX. 
XXXX. I have been making monthly payments since XXXX only skipped XXXX. On my credit report it does not show that I am making on time payments. Anytime I try to apply for something it says I am not making on time payments. 
XXXX. Why would the account go to charge write off it I was making payemnts? 
XXXX. The amount is incorrect, if I paid XXXX in XXXX of XXXX and my balance was XXXX. That would bring it down to XXXX. 
XXXX. My account was closed it was XXXX of XXXX and I still have not got an answer on the dispute for the unauthorized charge. 
XXXX. In XX/XX/XXXX I decide to enter an agreement were I pay XXXX a month starting in XXXX. 
XXXX. I spoke to many different supervisors on multiple occasions. 
* -They said this is a great opportunity for me to establish credit payment history on my credit report keep in mind this is not suppose to go to charge write off. 
* I notice in my Bank of America app it says I behind on my credit card payment. So I need to call to make a payment. 
* I notice recently that XXXX of the employees set it up as a XXXX payment. As XXXX. So it comes out of my account from XXXX. 
*I spoke to a manger last week he said there is nothing he can do about my credit report he wouldnt even try to help me and I told him something is not write. If I enter an agreement before it went to charge write off.

*I established incorrect charges before all this.

This has caused so much issues that it keeps coming up if someone runs a credit check that I am not making on time payments and I am behind on Bank of America. When really I went into an agreement with them. Its caused me so much of heartache if I knew that XXXX payment would not help I would have paid them off 3 years ago I have no problem paying off XXXX credit card. I can show you. I always make lump sum payments. 

Below are the following attachments XXXX. Unauthorized charge statement 2. Statement for a Payment I made in XXXX for XXXX the account was already closed 3. Statement for two separate payments XXXX for XXXX and XXXX for XXXX in XX/XX/XXXX XXXX. I did not include the statement for XXXX payments if you need them I can get them.

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