Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
In XX/XX/year> we had gone on vacation to XXXX and had an absolute horrific experience at a restaurant while there. I use my B of A credit card while on vacation and had used it this evening. I have had this card open for XXXX  years and have never disputed a transaction nor have I ever missed a payment nor have I ever even come close to the limit. I always pay the card in full when i do use it and had already paid the balance off when I had decided to dispute this certain transaction from XXXX XXXX in the XXXX XXXX neighborhood in XXXX. 

B of A requested a detailed description of what exactly happened and I provided that to them and the ultimately denied the claim for {$70.00} stating that " Were unable to confirm that you were supposed to receive something different than what you received. We requested, but didn't receive, information showing what you received is different than what you purchased. '' Even though we did not receive what we ordered and I had explained in detail the situation I was not quite sure how they " didn't receive '' what I sent. Again a {$70.00} claim I let it go and had already paid the balance in full. I figured B of A must really need that {$70.00} bucks instead of making a XXXX decade customer happy but thats neither here nor there. 

What I saw this dispute do to my XXXX XXXX is the real reason for this complaint. It dropped my score nearly XXXX points I was under the impression I was disputing this XXXX single transaction and was told when I called initially when I saw this drop was that was not the case. The rep told me that I needed to contact the credit bureaus as thats how they score a dispute. 

Again I let that ago and fast forward to last week when I was going to sign on an Auto loan refi with my girlfriend and was able to actually see my actual credit report ( not the XXXX XXXX limited XXXX ) and saw how B of A was reporting. They are reporting NO STATUS on that card and showing that I have NO STATUS for my REVOLVING CREDIT UTILZTION and are not reporting ANY past payments!!! This in turn is killing my score. I have been an XXXX score pretty much my entire adult life and now because of this reporting error that they admit to it has dropped me down into the low XXXX 's. 

I have contacted B of A last Friday and was told that I would get a follow up today but did not ever get a call. I called today and was told that a letter went out today giving me further instructions on what do do. I am not sure as to what else I need to do. I told the rep this an error on your part that both the reps I spoke with admitted fault yet she could not tell me anything further aside from I have to wait for this letter. 

Ultimately I just want my score to go back to what it should be. Never in a XXXX years would I have thought that disputing XXXX charge of {$70.00} in literally XXXX  years of having this charge would turn into this disaster. Its just a shame how huge banks can take no responsibility for their mistake and make us consumers jump through all the hoops in the world to make something right and protect ourselves.

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 non-monetary relief