Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Request for Immediate Removal of Illegal Charge-Offs and Compensation I am disputing all charge-offs reported by Bank of America on my credit reports at all three credit bureaus ( XXXX XXXX XXXX  ) . These charge-offs were applied unlawfully and without my authorization. 

Bank of America engaged in fraudulent and illegal practices by misapplying payments ( mis-payments ) and creating false charge-offs. Because of their actions, my credit score was severely damaged, which ruined my life and my familys well-being. 

I have a family with XXXX children, including a child who was seriously ill for XXXX years and underwent XXXX XXXX. Due to my poor credit score caused by the banks misconduct, I was unable to buy a home to provide stability for my family during this difficult time.

I demand : 1. Immediate and complete removal of all charge-offs related to Bank of America from my credit reports at all three credit bureaus.

2. A full written explanation from Bank of America detailing the illegal charge-offs and mis-payments.

3. Compensation for the XXXX XXXX and damages caused by their fraudulent actions. 

I expect this dispute to be resolved quickly and fairly. Failure to do so will leave me no choice but to escalate the matter legally. 

Thank you for your immediate attention to this serious matter. 
I have fully paid off the business account balance of {$2000.00} a few days ago. Additionally, I had an agreement with the collection agency XXXX XXXX XXXX to pay {$5000.00}, of which {$2600.00} was paid via my personal credit card, and {$2000.00} was paid from my business account. The business portion is now completely paid off. 

However, XXXX XXXX XXXX has not properly reported these payments, nor have they refunded any overpayments. Due to these failures, and Bank of Americas illegal and fraudulent misapplication of payments ( mis-payments ) and charge-offs, my credit score has been severely damaged.

This has caused significant personal and financial harm, including XXXX XXXX and lost opportunities, such as being unable to purchase a home during a critical period when my familyincluding a seriously ill childneeded stability.

Therefore, I demand : 1. Immediate removal of all charge-offs and inaccurate negative information related to this account from all credit bureaus.

2. A full accounting and refund of any overpayments made to XXXX XXXX XXXX or Bank of America.

3. Compensation for the XXXX XXXX and damages caused by these unlawful practices. 
4. Written documentation from Bank of America and XXXX XXXX XXXX explaining and justifying their actions. 

I expect a timely resolution. If this matter is not resolved promptly, I will pursue all legal remedies available to me. 

Thank you for your attention to this serious matter.

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