Consumer complaint received 2024-07-08 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: WI

Complaint narrative:
FTC and FCPB, Bank of America needs to be audited on their delinquent accounts, modified repayment plans, and charged off accounts. 

Between XX/XX/XXXX - XX/XX/XXXX I authorize Bank of America to give all me information to FCPB. As I have already provided every personal item of information with the complaint. They have gotten away with doing whatever they want without having to justify anything by hiding behind an excuse they can't reapply for privacy issues. 

Bank of America, XXXX. Charging off an account and getting a tax break for bad debt on a debt they made bad themselves. They lied to the credit bureaus that payments were missed to charge the account off in XXXX, after being paid {$1100.00} in XXXX. Their only loss was the fake credits they applied to my account on XX/XX/XXXX, that they then negated by reapplying them as charge off fees ( As if I should pay them {$1100.00} to charge my account off, after I already paid them {$1100.00} to charge it off ) They voided the repayment plan themselves by charging the account off. 
XXXX. Making a second modified account they dont apply payments to, so they can charge it off. One account wasnt charged off on the XX/XX/XXXX and XX/XX/XXXX statement and one account was charged off on XX/XX/XXXX. It cant be charged off on XX/XX/XXXX and NOT charged off at the same time. 
XXXX. Making up different amounts they charged off. Was it {$12000.00} they reported on XX/XX/XXXX, {$12000.00} they reported to XXXX on XX/XX/XXXX, no charge off amount they temporarily reported after I filed the complaint with the XXXX, or {$12000.00} that was stated in the XXXX  response letter the balance was on XX/XX/XXXX? 
XXXX. Making up numerous different days and months it was charged off. Was it charged off on XX/XX/XXXX as it shows on the account online and was reported to the bureaus. Was it NOT charged off as it shows on the XX/XX/XXXX email. Was it charged off on XX/XX/XXXX as they claim in the XX/XX/XXXX letter. Was it or was it not charged off when they temporarily removed the XXXX  and XXXX but kept the status as charged off. Or do they want to pretend it wasnt charged of until after XX/XX/XXXX, as the FAKE statements they attached with their XX/XX/XXXX letter show? 
XXXX. Reporting numerous PRLs being done on XXXX account in a matter of XXXX months. 
a. First its a XXXX in XXXX on credits they added to the account XX/XX/XXXX ( until they debited them back as fees 2 days later on XX/XX/XXXX ) Adding credits you arent really giving me is a loss? 
b. Then after temporarily removing the XXXX for about XXXX weeks after I filed a complaint, its became a XXXX in XXXX AND a PRL in XXXX. The {$1100.00} they were paid in XXXX was a loss? The XX/XX/XXXX payment of {$260.00} and the XX/XX/XXXX payment of {$230.00} was a loss on an account they charged off on XX/XX/XXXX? Or was the loss from pretending the XX/XX/XXXX {$880.00} charge off reaaply fee didnt exist, so they could make it become interest instead on a fake XX/XX/XXXX invoice. 
XXXX. Making up fake statements. The account was already charged off by XXXX. How is there a minimum payment due on a XX/XX/XXXX and XX/XX/XXXX statement for a charged off account? How did a credit on the account for {$840.00} on XX/XX/XXXX disappear and become {$840.00} in interest on XX/XX/XXXX instead on a statement, but still shows as a {$840.00} reapply fee on XX/XX/XXXX online to this day? 
XXXX. REPEATEDLY intentionally providing inaccurate information to the credit bureaus. It is impossible for every different way Bank of America reported things to all be accurate. 
XXXX. Harassing me with calls until XX/XX/XXXX to collect on a debt they were collecting on since XX/XX/XXXX and having XXXX service the debt on XX/XX/XXXX at the same time to harass me along with them. 
XXXX. Applying credits to an account in order to do a PRL. Because that is the only way they could make a loss out of payments. And then negating those credits XXXX days later by applying charge off fees to balance the account to charge off. They didnt give me an actual credit for anything. XXXX of their credits is under a atm transaction and then negated with a bank transaction charge off reapply fee. And then changed into being interest on a fake statement that isnt charged off yet, when the account is actually charged off. 
XXXX. Billing for XXXX current payments due in XXXX billing cycle. XX/XX/XXXX statement current payment due of {$430.00} by XXXX XXXX, which was paid. They then charged another {$230.00} current payment due on XX/XX/XXXX, to be due by XXXX XXXX, to modify the terms. And then another current payment due of {$230.00} was charged on XXXX XXXX statement. 
XXXX. Refusing to set up a temporary hardship repayment plan. Their hardship plan is actually a debt counseling plan, unless they get paid XXXX current payment due just to modify it. And then they modify it in the same billing cycle to owe them over half of the past due as a total minimum due. 
XXXX. Lying an account wont be charged off if the fixed payment is made. 
XXXX. Forcing people to agree to terms, while stating they arent authorized to set the plan up, they dont know how long it will take to find out if it is, and they dont know what the total minimum payment will be if it is authorized. ( The conversation is recorded for proof. ) XXXX. Requiring a payment just to see if a loan modification can get authorized. 
XXXX. Setting up repayment plans to start and be due in XXXX days. 
XXXX. Stating an approval letter will be sent in the mail, and then making a payment due before its possible that the letter will be received in time to even know that payment was due. I only knew because I happened to check the account. 
XXXX. Reporting an account perpetually delinquent, even though they are receiving payments. 
XXXX. Making up vague terms in order to adjust them to be anything they want. Payment must be made in the month due can either be the month the statement was received or the month the due date falls in. Proof : Same terms for both my accounts that have a due date XXXX day apart. XXXX account wasnt a missed payment on XX/XX/XXXX and the other account they charged off for the XX/XX/XXXX payment being a missed payment for XXXX. 
XXXX. Setting repayment plans up in a way that almost guarantees failure and does nothing different than no plan would have done. I had a total minimum due of {$2700.00} with {$430.00} of it the current payment due, due by XX/XX/XXXX. I paid the {$430.00} just for them to modify it. To witch they modified it to start XXXX XXXX to owe them another {$1400.00} by XXXX XXXX. Their plan is pay them as much as it takes to bring the account to under 90 days delinquent. No one needs their plan to do the same thing they could do without their plan. And if they could afford that, they arent trying to get on a plan to pay that much first, before they pay that much.

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