Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Monday XX/XX/XXXX I received XXXX XXXX XXXX  responses and updates to the previously reported complaint. XX/XX/XXXX the CFPB closed my case because of supposed litigation? What litigation? Why the XXXX does anyone even report XXXX to this government entity if all it does is listen to the company and never the consumer. I showed how the company was defrauding customers by overcharging interest and how it was done and showed you how they violated the CARES ACT and they admitted to it without knowing they did. But yet you closed the complaint because of ongoing litigation, first off since my credit report was updated with the proper dates and details somewhat XXXX deleted a month XX/XX/XXXX and XXXX shows the account was closed XX/XX/XXXX both of which are wrong. But anyway if this is under litigation why the XXXX did they investigate it thats all they had to say from the beginning but since they did investigate and send me personally a copy of their investigation not their lawyers means thats perjury and or a violation of litigation rights being they shouldnt be communicating with me at all. On that note XXXXXXXX XXXX XXXX their law firm used false information and also violated the cares act in doing so when they filed for a judgement against me a default judgement since I was never served a dam thing using evidence that was fraudulent in nature set forth by the cares act also perjury. I dont understand Ive shown you multiple violations of the FCRA and the CARES ACT and how BOFA is committing fraud and perjury and yet you closed the XXXX case how does that make any sense?? Since I know everyone that I add to this report will be reading it except the CFPB it seems call this a notice of intent if I dont see this account deleted from my credit report for the simple fact of breaking federal law and the simple fact Ive disputed this for XXXX XXXX years with every credit reporting agency then I will be seeking legal counsel to sue everyone of you for not adhering to the law that you are expected to uphold. To BOFA you admitted to me and the CFPB in your response to my original complaint showing the dates of everything and since I showed I was in contact with you by your lowering of my interest rate the month of XX/XX/XXXX makes this even worse for you. You owe me for everything you put me thru at a time when I was unemployed and had nothing. A time that you were supposed to be working with consumers not XXXX them over then putting liens on their property when they werent even present in the court room. XXXXXXXX XXXX XXXX since I know you will also be reading this your being put on notice get the lien that you illegally placed on my house removed or face the same courtroom in a counter suit for a Cares Act violation. Every company that Ive said above has 30 days to respond by CFPB guidelines and since the XXXX credit reporting agencies are reading this I figured youd have looked at the rest of my report and fixed the other cares act violations that have been committed. Once this one is done Ill move on to XXXX XXXX and XXXX XXXX and so on. Never missed a payment XXXX hits yall XXXX me im done being worked over.

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