Consumer complaint received 2024-08-12 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:
XXXX and FTC, XXXX is not the only thing BofA needs to be investigated on. See attached documents. It goes to reason if BofA is committing fraud by manipulating my accounts and payments through the use of ebills, pay and transfer, and mobile payments, they are probably using XXXX the same way. BofA isnt doing enough to stop the fraud because they are using it to commit fraud themselves.

Bank of America refuses to stop reporting inaccurate information, lying, making up fake statements, and messing with my accounts in every way possible. This has been going on for over four months at this point and just continues to get worse.

Since I originally filed a complaint with the CFPB, the number of things happening to my accounts is stunning. Some things were literally changing, disappearing, becoming different things, etc., while I was watching it happen.

Bank of America complaint : The following can now be added to the complaints XXXX and XXXX, as BofA continues to intentionally do worse things to cover up the original issue.

Added : 1.Using ebills to commit fraud on my account. I had no control over having, turning off, hiding from view but still in existence ebills. Account # XXXX is supposedly charged off and it states under Bank of America-Personal Card XXXX that I have to call to set up ebills. Yet ebills exist somewhere for that account XXXX, that I can make a payment to them as a different account than the account XXXX they charged off. ( That from the account page goes straight to transfer payments and has a tracking number as the confirmation number ). The confirmation numbers and payment types show up different when the payment was made from bill pay as opposed to making a payment from the account screen make a payment. The payments also show up as being paid to the ebill under activity when paid under ebills. The ebills were also preset by BofA to be payments to Bank of America-Personal Cards ( XXXX and XXXX ), with the recipient of those payments being the same accounts but with a different name. ( Example : The recipients of the payments to Bank of America -Personal Card XXXX were BankAmericard Platinum Plus Mastercard XXXX ) BofA is the only one that would need the recipients of payments to a card to be the same card but just with a different name.

2. Using mobile payments to commit fraud. I have never set up mobile payments with BofA. What would I be mobily transferring? Yet somehow my payments to the charged off card, when paid from the account page make a payment show up as online/mobile transfer payment and have a tracking number as a confirmation number. Where are my payments set up to be transferred to? 
3. Setting up ebills in a way that can be manually manipulated by them long after the payments are made. Once the payments are made, on the account page go to transactions the merchants name and category type are set up to be able to edit. BofA can go back and change it to be anything they want it to. ( As I could do. When it gets changed under transaction payments, it automatically changes the info under year end credit card summary. No one needs to be able to go back and change merchants and payment categories on BofAs website, except BofA. No one else but BofA is using their ebills and statements as if they are a place to record their accounting entries.

4. Setting up fake external bank accounts to look like the real external bank accounts people make payments to BofA with. Under filters for payments, it shows two separate external payment accounts I can filter information with. BofAs website does not allow for the same external bank account to be added. BofA is the only one that can make one account become two separate ones. The account under pay charged off credit cards can be deleted. The one under bill pay can not be deleted and only the name can be changed. Why can someone NOT delete an external bank account from bill pay accounts? The payments also showed up with different names depending on where I paid them from. ( I have more documents I can submit as proof BofA. ) I also deleted the account under transfer and pay and BofA added it right back as noneXXXX. Deleting it cant even keep it deleted. 
5.Setting up one account to become three different accounts. I can not make my accounts show up as three different account names at the same time. Example from document I can choose from filters for account XXXX ( which shows up on the side of the screen ) to find payments to BankAmericard Platinum Plus XXXX OR BankAmericard Platinum Plus Mastercard XXXX while at the same time the bill payments to Bank of America-Personal CardsXXXX XXXXre still visible on the other side.

6. Making up fake statements for my account XXXX ( as well as for account XXXX that I already filed a complaint on. ) Or they could be real statements from the fake accounts. Who knows at this point? But they are fake to me as they are not the statements I received at the time, the balances I actually had, and not even real payments on some of them. I did not have a balance transfer from XXXX that I was still paying on 3 years later in XXXX. I would not have been paying interest on a balance transfer until XXXX when there was no reason I could not have paid it off in XXXX. ( provided XXXX bank statement just to prove that. ) Providing a partial statement to let BofA know I can prove my payment to account # XXXX for {$1700.00} on XX/XX/XXXX never happened. 
XXXX. XXXX every aspect of my life that is affected by my credit score and history. On any given day at any given time, BofA reports and changes my information to be anything they want. I never know what my credit score is going to be on any given day because of BofA continuously messing with it, to become anything they need it to become.

8. Reporting numerous different things to different bureaus at different times. Example : Reporting account # XXXX as a charge off with three different PRLs to XXXX ( which they both find to be accurate ), while reporting it as a charge off AND write off to a different bureau. They want to report it as a XXXX on fake credits on XX/XX/XXXX, AND a charge off on XX/XX/XXXX AND written off ( who knows when ) AND send it to XXXX to get me to keep paying for a charged off, written off, XXXX XXXX reported card that is still actively keeping track of the rewards XXXX earning on it every month. ( Yes, I have proof BofA. On top of the proof at XXXX point whatever you were messing with temporarily made my rewards card show up under the bankcard deals and my bankcard show up as being my rewards card. ) XXXX changing the reporting on account XXXX, from XXXX for 16 months ( because it had a XXXX balance and was not used ) to be a CA instead that entire time. ( Which of course was found to be accurate also that it went from XXXX to CA instead. ) XXXX. Changing my external bank account to be an account only under pay charged off credit cards under pay and transfer. And then randomly changing my external bank account to either pay ONLY home loans, auto loans and credit cards OR ONLY pay home loans and charged off credit cards. The fact that pay charged off credit cards needs its own separate category from XXXX bills and those are the only XXXX categories under pay and transfer is self-explanatory Clearly, they charge off credit cards as frequently as bills are paid. Home loan and auto loan payments are from payment accounts set up under pay charged off credit cards why BofA? What are the chances that is why credit card statements have a coupon to return with check with an account number at the bottom that looks like a home or auto loan account number. ( And NOT a credit card account number ) 11. Edit the name of the credit card names. Why the hyper security on supposedly nothing but someone wanting to change an account name BofA? I can change the name of my external bank account with one click on change name, but editing the name of their credit card requires receiving a code first to be able to enter a secondary address that only they know. That is when they are not busy adding nicknames to the accounts so they can make one account have TWO separate names. ( Which of course was unavailable for me to actually add a nickname ) It looks like an innocent thing to change a card name, yet BofA can even turn that into something to use as part of a scam.

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