Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
RE : credit reporting dispute Im writing to request your assistance and support in regrading a credit reporting dispute Ive attempted to resolve through Bank of America ( BOA ) customer service and escalation management. Im disappointed in the unprofessional handling of the issue by BOA, which has significant impact on my credit rating and my future financial XXXX. 

A brief background : In XX/XX/XXXX a court ordered final judgement and XXXX XXXX XXXX ended my XXXX to XXXX. As part of the Settlement Agreement, all joint accounts were to be closed, and specifically included was the joint XXXX. ( account # XXXX  ). 

BOA was also my XXXX XXXX personal bank, where he did his banking, including his personal checking and personal XXXX. He managed and assumed payment of the joint XXXX account along with his personal accounts and was responsible for closing the joint account. ( which I now know he failed to do ). Although during our XXXX I had access to the accounts, I no longer had access to BOA or the accounts once our XXXX was final. 

After our XXXX was finalized in XX/XX/XXXX, XXXX moved from the XXXX XXXX to his new XXXX. Unbeknownst to me, my XXXX XXXX kept the account open and changed the address on the account to his new address. 

my XXXX XXXXXXXX XXXX on XX/XX/XXXX, which lead to the following : On XX/XX/XXXX I received a statement from BOA, addressed to me, using my XXXX  name, at MY home address reflecting a past due amount on the XXXX XXXX, including late fees. 

It is important to note ( 1 ), these were not charges made by me, ( 2 ) I had no idea the credit card was still in use, ( 3 ) receiving this statement at MY address, was my FIRST notice the credit card was still being used. 

Upon receipt of the statement I immediately contacted BOA. Although the charges were not mine, I submitted payment to BOA because I was concerned about my credit rating, I agreed to pay the amount due, plus late fees. I also requested the XXXX be closed so there would be no additional charges. 

I want to emphasize that upon receiving notice of the charges, I IMMEDIATELY contacted BOA to resolve the issue. I was not delinquent in paying the charges because I was not even aware of the charges until I received notice form BOA that the account was delinquent. I paid the amount due when I was notified by BOA. 

In dealing with the BOA customer service representative I explained I was unaware that the XXXX XXXX was being used and importantly, that I had not been receiving statements from BOA, which would have alerted me to the fact the Visa was still open and being used. I asked that I be refunded the late fees charged, and that BOA not impact my credit report by reporting these past due amounts. 

Subsequent to these conversations with BOA, I received a packet of statements from BOA for the XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX WHICH WERE ALL ADDRESSED TO my XXXX XXXX XXXX  address ) : proof that statements for this card were NOT being sent to me. I had no way of knowing the account was still open because I was not receiving statements from BOA. 

I was told by a BOA representative that I was the primary signatory on the account and therefore responsible for the account, which leads me to question how it is that the mailing address for the account could be changed without the knowledge or consent of the primary signatory? And clearly the address was changed by my XXXX XXXX, without my knowledge or consent. 

In summary, my XXXX XXXX continued to use the XXXX XXXX without my knowledge, even though there was a court ordered agreement for the account to be closed. I had no knowledge the card was still open. I did not have access to the BOA account and received no statements or had any indication that the XXXX XXXX card was being used, UNTIL BOA sent me a statement indicating the account was delinquent. 

As a result of this delinquent account being reported to the credit bureaus, my credit rating has been impacted severely, with one agency rating decreasing from a high of XXXX at the beginning of the year, to XXXX in XXXX. This impacts my XXXX and my financial security now and in the future. 

Although I requested BOA correct this delinquent reporting to the credit agencies, they have notified me that they will not adjust their credit reporting related to this matter. Their reporting is not accurate as I paid the amount due on the account IMMEDIATELY upon receiving notice from BOA that an amount was due. BOA did not notify me of the charges until the account was delinquent. It is not fair or accurate for my credit rating to be impacted by a delinquent account I had no idea was open and that BOA failed to send to me before it became delinquent. 

Thank you for your consideration.

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