Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been reported missing payment on my accounts- up to now that they eventually closed my account. Interest was growing pretty quick like XXXX in a year from XXXX to XXXX. I paid off XXXX XXXX chase XXXX autoloan capital capital XXXX credit XXXX. None any of them gave me a chance to hold for a couple of months. All interest and fee were never been removed or granted even if some of them promised to be reimbursed only after paid off. And I did pay off, except Bank of America. Attached documents are my Bank of America statements between XXXX. I have been with Bank of America since over 10 years. Not the best but never miss a payment until the pandemic came. I was affected and had to wait for check to come in as well as wait for checking for transaction frauds. My points are overdraft fees and international transaction fees that Bank of America had been charged on my debit checking account. Between XXXX approximately $ XXXX were charged even when my accounts was negative over {$1000.00} they let the transactions went thru pending, then reversed, and removed eventually. I called Bank of America and asked about the fee. Evidence of my request are the statements that showed they reversed me {$35.00} after they charged me {$1800.00}. Around XXXX XXXX. All my payroll direct deposit disappeared immediately. I asked bank to help me out with the fee and they did give me another {$35.00} as a courtesy for long time customer. They couldnt go over than 90 days by the way. Eventually around late 2021 they sent me a letter that to protect my account from fraud they had to switch my account to Denied all instead so only {$35.00} will be charged maximum a day. I had a letter here as well. So they switched automatically without me knowing. Let just say, I never know this function exist, I never physically sign on letting my debit account to be able to go negative over XXXX, choice never been presented, on that day that I know if I dont want to let all go thru I have to choose deny all option. So I ask how to choose that option when I never heard of it before. They said by default I choose standard which is all transactions must go thru, nsf fee will be applied to all failed payments. Every month I would have direct deposit that I never used and checked deposited to fix the negative amount. Solution never provide un till XXXX that my business stuck. No income, so Bank of America believed that I dont have any blood left so they took action to switch my account to deny all. Thats how I learn about overdraft protection.

The funniest thing was Bank of America credit card department run auto payments a couple of times on my debit account even if they are negative. So I got charged for late fee and interest on credit card. And on debit card that was at least 2 nsf fee that comes from boa credit account. The worst time in XXXX I asked Boa to delay payments to get an answer that my record of late payment were too often therefore they couldnt grant me to pause payments. They kept reporting my credit scores. XX/XX/2021, I lost my job, call them again and ask for a pause to get the answer that XXXX must payoff immediately. Not a single time that because of those nsf fees about $ XXXX at that points, my vehicle got reprocessed, rents were behind, all credit card that I had XXXX, chase, and capital XXXX were reporting my missed payments since that points. If I ever had that fees back I could delay for just XXXX months. I would have all my fund back to normal. My XXXX XXXX went from XXXX to XXXX because of those nsf fees. Boa Credit card departments called me once and say I must pay off. So I asked them about unfair nsf fees situation and the answer was they are different departments. So I understand that part and said that I asked for a pause for 2 months since I send email asking Bank of America to refund my fees. Again, Bank of America credit card rejected my request to pause a couple payment because Bank of America debit checking account had nothing to do with them. Any fee or interest would not be reduced until I paid off. I paid off all my debt I left XXXX here. I am a victim of Bank of America. Fees - nsf fees that credit departments took from debit accounts while it was negative, and late fee on top. I gave up and let them abuse my credit scores. They ask me to pay interest and the fee that causes me everything. Imagine I couldnt find an apartment to rent even when I told them to pay deposit and first month upfront. Thats how bad my credit score was. I know you are different departments but eventually if my accounts were closed ( from negative balance debit and credit card debt ), will you send me to the different correction departments? I was once able to buy my car with 3 % interest. Not a single one of them approved me when I needed a car. My Credit scores were abused and I was forced to pay late fee, nsf fee and interest. Pandemic that all fees waived, they waived me about {$140.00} out of $ XXXX. I couldnt rent any apartments, couldnt buy a car, and couldnt get a loan or credit card from others issuers that I paid off. XXXX that I lost what I could do, lost opportunities that I had, and lost even a chance to rent a place and have to ask to leave with a friend. Bank of America never admit their faults, the class action for nsf fees I never get to be a part in anyone of them. Did Bank of America really send the real names on class action lawsuit about nsf fee. 

I love that Bank of America correction department uses CFPB words. By telling me to payoffs and they would think about reverse late fee 2 times.

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