Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I. Hurricane Harvey- adverse reporting to CRAs despite written promises of relief and assistance which included refunds without customer effort to call or request for it : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with adverse financial hardship resulting to the present day. 

II. Duplicate Accounts Reported in Retaliation of disputing the wrongful adverse credit reporting : XX/XX/XXXX - present XXXX. Multiple efforts made to resolve the issues, however BOA constant denies my disputes and pretends as if no error could be found. However on XXXX XXXX  occasions BOA has acknowledged that they are clearly aware and that they stand by the reporting as accurate. Then they lie when responding to me. This is so greedy its not even disputable. What a sad case. Please see the attachments for the proof of their lies and their speak. 


Bank of America has reported my credit card in an inaccurate manner to all XXXX consumer reporting agencies ( XXXX, XXXX, and XXXX ) this is caused me undue financial hardship that was avoidable. In fact Bank of America gave me their word in writing. Bank of America incorrectly reported payments as XXXX  days past due on XXXX occasions during Hurricane Harvey despite sending a letter on XX/XX/XXXX which stated they would not. The XXXX occasions in which I am still being improperly reported are : 1st Reporting= XX/XX/XXXX ; XXXX! days past due 2nd Reporting = XX/XX/XXXX ; XXXX days past due 3rd reporting = XX/XX/XXXX ; XXXX days past due ( see attached credit dispute reporting and results ) 2. ) Late fees, Overdraft Advance, Interest, Overdraft Fees charged to credit card and checking ( see attached statements 3 ) No refund provided in accordance with the letter sent to my email from XX/XX/XXXX ( see attached ) 4 ) Disputes constantly denied without proper reason or review. BOA unable to provide the steps they took to review the matter 5. ) Subsequent cause and effect causing ongoing additional interest, penalty interest 6 ) Adverse effects on my ability pay off balance and attain lower interest rates on loans. I took out 3 loans to help pay down this balance 7. ) Lack of Institutional control and oversight in their administering of the credit card account : investigating, reviewing, response to security concerns, credit reporting, unauthorized charges, interest rates II. Duplicate Accounts Reported in Retaliation of disputing the wrongful adverse credit reporting : XX/XX/XXXX - present. 

RETALIATION by BOA began after I disputed the wrongful credit reporting in XXXX and XXXX of XXXX, Bank of America began reporting the SAME CREDIT CARD ACCOUNT twice to all XXXX credit reporting agencies ( This is when I first became aware ) To be clear, BOA XXXX reporting the same exact account ( number, balance, date opened, etc ) to each bureau yet as a separate account. On each credit report it appears as closed and again as open. I have the disputed the matter with each of the bureaus and BOA on several occasions. BOA denied my dispute as recent as today XXXX. XXXX denied my dispute with them on multiple occasions as did XXXX and XXXX. ( See attached documents ) * Please note in the coming days I plan to file a separate complaint regarding this same credit card account, I plan to address the XXXX XXXX of dollars in unauthorized charges, and improper Overdraft advances, fees, interest, etc. regarding the same credit card account. In some instances permanent credits are reversed more than a year after they were made permanent. 

** Also in the coming days I plan to file another complaint to address the Overdraft Fees and NSF fees that occurred in XXXX regarding my CHECKING ACCOUNT with Bank of America. These occurred despite the letters and notices they sent stating the account had a positive ending daily balance ( including fees and transactions ). I brought this to their attention at the time and was denied. 

XXXX. MULTIPLE Efforts made to have BoA and the CRAs fix the issue but they refuse. This is beyond frustrating. I have sacrifice countless hours from work to deal with this ongoing issue which Bank of America refuses to address properly. This is insulting and inhumane. I deserve better. Ive been there Customer for XXXX years more over I led in the response to the awful hurricane Harvey, which flooded all the homes surrounding my apartment as a XXXX XXXX at the time we began school the day hurricane XXXX hit. Were forcing to an early release and did not go back to school for several weeks, despite this lead many of our students in the recovery, both of our schools campus and the community and seniors homes. I also donated furniture that I have had such as a bedroom matches to some of my XXXX  who were in need. I sacrifice my everything for others meanwhile, this is the graciousness that Bank of America treated me with utter fraud and disrespect. I deserve better. Worse in early XXXX I was hospitalized for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX days in the hospital I returned to my home, however, not to work for another XXXX weeks. In the meantime, I sought answers from the doctors. On XX/XX/XXXX I was diagnosed with a XXXX  XXXX for which no cure exist. Bank of America Is criminal and unethical in their act and demand better furthermore, they could care less about the individuals who make up their customers while they steal millions from us. Ive spent with refused to address my points and when they do, they dont even try what shame.

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