Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just noticed by chance that I had a hard inquiry on my credit report from Bank of America. I did not authorize B of A to do any hard inquires. I spoke with a woman in XXXX about my account that I had since XXXX. I asked specifically, will you do a hard inquiry? I was told to please hold and when she returned she said, No sir, we wont have to do a hard inquiry. I told her good, because if there had to be in hard pull on my report, to forget it. I would n't take a increase over a hard inquiry. She assured me that no hard pull would happen. I did n't see any on any of my credit monitoring agencies so I thought everything was good. 
Today, I happened to be looking at my credit report from XXXX and sure enough, they actually did pull a hard pull. I am now getting the run around from B of A and If they want their increase back fine but DO NOT leave a hard pull on my credit report. I take this very seriously. I wondered by I have an XXXX with XXXX agency and an XXXX with another yet XXXX has me at XXXX. I have worked long and hard to have a perfect score and I am not going to be XXXX over for a small increase on XXXX of my cards. I spoke with a representative and then with her supervisor and they just keep telling me to call my credit bureau. I know it is a load of XXXX and I want it removed from my bureau report, immediately. I did not approve a hard inquiry nor would I jeopardize my credit for a stupid credit increase, when I did n't need it anyway. No one in their right mind would take that kind of trade off. I told t them to either produce the recording of my conversation ( which would prove, I said exactly what I am telling them ) or a written authorization that I signed. Either way, unless they can prove to me that I approved this hard inquiry, I will not except any thing other than, it being removed from XXXX. If they actually have the recording, they will see I am telling the truth. If they do n't have it then they must prove that they stated to me that, they had my permission to access my credit report for a credit line increase. The burden of proof is on them not me. If they indeed spoke a statement to me telling me they would have to do an inquiry to do a credit line increase, please have them show a form letter that they actually had to read to me. At that point I would have said no thank you. I have been asked by many companies If I was interested in a credit line increase and I tell them NO. Just for the fact I know how it impacts my credit score. Only a fool would want a higher credit limit at the risk of a lower score. 
Please make them remove the inquiry and please make sure that they use a form letter that they must read to EVERYONE inquiring into an increase. I think since I have had the account in good standing since XXXX I was due at least one increase in a 13 year period, without having to a hard pull. 
I also have had my checking account with them since XXXX. 
You would think that would be a good enough indication, not a bounced check, not an over draft, not a single error with my credit. I take this matter very seriously. I want this resolved. 
I want them to be held accountable. If they can show proof that I allowed this to happen then I need to see it so I can be institutionalized. Thank you

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 non-monetary relief