Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In sum, and part was cut off : Complaint Description : bank of America has ruined my credit due to a series of incompetent errors on their part and refuses to correct these errors for YEARS. Since prior to 1996, Bank of America has ruined my credit. They issued a credit card to a PREVIOUSLY authorized user who had long been removed from my account by 1996. When he got his credit card statement at HIS address, it came in MY name because when he had applied for his OWN credit card, it was issued under MY account. I called them and told them to remove me from the account because I had nothing to do with the bills. In 1996, BoA promised to remove me from the account but months later, they said they would not because he would not have been eligible for the card on his own. They admitted on the phone that they had made the mistake of putting him on my account but they refused to correct the error. They prevented me from being admitted to the New York Bar which cost me hundreds of thousands of dollars in salaries, legal fees, by ruining my credit and preventing me from obtaining a mortgage, and more. My credit was ruined for YEARS, despite numerous attempts to have BoA correct this error. Many years later. XXXX XXXX changed my account form another bank to BoA and despite it being a completely new account, with all of my current information : address, email address, etc, they erroneously linked it to the account from 1996 or prior and used that email address which I had not used in over 8 years and could not log into it. I called, wrote, etc. I went into a local branch and waited HOURS while the manager supposedly corrected the error. I used the card to purchase XXXX tickets for my parents, but i could not log in to pay. I called numerous times and each time a rep in XXXX promised that she fixed the errors and that I could log in to my account. Their website ONLY allows you to contact them online by logging in which I could not do, so i was put in a loop. I just tried an online chat and the agent refused to give me a contact email to write directly. here is the Chat session : Chat InformationWelcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. Thank you for your patience. Chat InformationThank you for choosing Bank of America. XXXX is ready to assist you. For security purposes, please remember to close your chat window when completed. XXXX : Hello! To assist you with your personal credit card, XXXX I please have your firs and last name along with the last XXXX digits of the account number? You : I need an EMAIL ADDRESS ONLY so i can speak to a supervisor in billing at BoA. Thisis URGENT. I do not want an endless chat and I can not log in to write through my log in so PLEASE give me a REAL email address b/c you have XXXX MY ACCOUNT for over 18 years and ruined my credit and no matter how many times I have written, called and emailed, and gone into branchs, you have not fixed it. B/c of YOUR awful bank I could not get a mortgage. No excuses, please just give me a REAL email address at the CORPORATE level for someone who can really help IN the USA! You : NO, you can not have that, you can give me an email address please or I will copy this chat and forward it to the FTC and XXXX in a few seconds b/c I have ZERO time and patience left. You : XXXX, XXXX, XXXX .... You : I am entering www for XXXX to report his b/c I have no time left to waste. You : such run arounds from your bank. You : XXXX ... XXXX XXXX : I completely understand your concern, Unfortunately the only contact information that I have for my billing department is a phone number. XXXX : I can definitely provide you with that number. You : No, you MUST have an email address. You : If I ca

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