Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
HOW CAN I DISPUTE A LINE OF CREDIT FROM MY BANIK OF AMERICA FROM 20 YEARS AGO WITH THEM GIVING ME NO PROOF WHEN THE MONEY WAS GIVIEN TO ME AND IT WAS PAID OF IN PAST BECAUSE I NEVER USED WHOLE LINE OF CREDIT I opened a line of credit with Bank of America 25 years ago. The original loan was {$99000.00}, but I only used {$40000.00}, which I have fully repaid. Despite fulfilling my obligations, Bank of America continues to demand repayment for the loan in full. I am seeking assistance from the CFPB to resolve this matter, as I have already satisfied the terms of my account. I request that Bank of America provide a clear explanation and cease any further collection actions related to this paid-off loan. Additionally, I request that Bank of America provide a written confirmation acknowledging that my account has been fully paid and that no further payment is owed. This will ensure there is an official record of the resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : ___________ Bank of America , N.A . 
Attn : XXXX XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Validation of Home-Attached Line of Credit / Lien Account Number : XXXX To Whom It May Concern, I am writing to formally dispute and request full validation of the above-referenced line of credit and any lien or security interest allegedly attached to my property. 

This account is more than XXXX XXXX XXXX, and I dispute both the existence and enforceability of the balance you claim is owed. I further dispute that any funds were disbursed to me beyond what was previously repaid. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable real-estate and consumer-protection laws, please provide the following documentation : 1. A complete copy of the original signed loan and lien agreement 2. Proof the lien was properly recorded with the county 3. Evidence of actual disbursement of funds to me 4. A complete transaction and payment history 5. Proof of the date of first delinquency 6. Documentation showing the current balance is accurate 7. Any assignment or transfer of this lien, if applicable 8. Proof the lien remains legally valid and enforceable Until this information is provided, this account remains formally disputed.

Failure to provide the above documentation will result in complaints being filed with the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and other appropriate regulatory agencies.

Please respond within 30 days. 

Sincerely, LETTER XXXX : CREDIT BUREAU DISPUTE ( FCRA 611 ) ( Send separately to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Date : ___________ RE : Dispute of Inaccurate and Obsolete Credit Reporting Creditor : Bank of America Account XXXX XXXX To Whom It May Concern, I am disputing the accuracy and legality of the above-referenced account under the Fair Credit Reporting Act 611. 

This account is over XXXX XXXX XXXX, exceeds the legal reporting period, and is unverifiable. Bank of America has failed to provide proof of disbursement, proof of balance accuracy, or valid lien documentation. 

Please investigate and delete this account immediately as : Obsolete Inaccurate Unverifiable If the furnisher can not validate the account, it must be removed from my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB COMPLAINT STATEMENT Complaint Against : Bank of America , N.A . 
Account : XXXX Bank of America is reporting and attempting to enforce a XXXX home-attached line of credit without providing required documentation. 

Despite written requests, the bank has failed to provide : Proof of loan disbursement Signed lien or credit agreement Complete payment history Evidence the lien remains legally valid This appears to be a violation of the Fair Credit Reporting Act and consumer-protection laws. I am requesting immediate investigation, correction, and removal of this account and lien if it can not be validated. LETTER 4 : OCC ( OFFICE OF THE COMPTROLLER OF THE CURRENCY ) COMPLAINT S.

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