Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has put a fraudulent report on my credit ( XXXX ) pretending I owe them money when I don't. In fact, they owe me XXXX XXXX dollars. 
In XXXX, I bought furniture with Bank of AMerica Bill Pay. The money came out of my account, but wasn't sent to the furniture store.

The then local bank manager paid the store by transferring the money from my account, but could not reach the Bill Pay department to get my money back. 
In XXXX, the bank sent the money back on a credit card. I misunderstood that the minus ( - ) sign before the amount ( {$6200.00} ) meant the card had the money on it as did a woman with the bank who told me to destroy the card. I did. 
After many, many conversations with bank reps, I was told I'd get a check. None came, but I have a statement showing the {$6200.00} on the card and a statement showing the amount was transferred and a check was sent, but no check arrived. 
Recently, I applied for a home equity loan with XXXX and was turned down for " bad credit '' ... .even though I pay my bills no later than two weeks after receipt. 'Bank of America claimed I owe them {$350.00} which I do not. When I asked if I sent them the XXXX would they remove it, they said I had to ad bank fees and late fees and the amount was close to double... I sent a check and they still have the fraudulent report on XXXX. So, the bank has literally stolen my money and now put a totally false item on XXXX damaging my formerly excellent credit. 
More recently, a XXXX XXXX called dunning me for things I didn't buy on cards with different numbers. I have a printed out scan of my cards and that statement showing the {$6200.00} was on the card the bank sent. I'd like to get my money back and have the erroneous charges on XXXX etc. removed, not " charged off '' ... .... The bank has been unable to produce any singed sales slips and when I asked a XXXX XXXX for a printable list of what she's dunning me for, she came up with XXXX, XXXX... who I called..XXXX  gave me a print out on their message board that I haven't used their services and a person named XXXX at XXXX called me back to say I've never charged services with them on any Bank of America cards.. I called BOA and spoke to XXXX who assures me that I've never had a BOA card ending in the numbers that I used when I charged stuff with XXXX in the past. 
In XXXX I met with a XXXX XXXX who literally blew me off by claiming the banks own statements are fraudulent I thought I'd try one more time to have the erroneous charges taken off my formerly excellent credit rating, now lowered by BOA. I paid attorney XXXX XXXX {$500.00} ... first {$200.00} cash to discuss then he demanded {$300.00} to proceed. He needed to know who I spoke to at the bank. After taking my money, he said, " I do not wish to help you and you can not have your money back. So, the bank stole my money, extorted more with false reports on my credit and influenced an attorney to take my money and not help.

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