Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a letter today from XXXX XXXX, regarding CFPB complaint XXXX. I called XXXX XXXX XXXX XXXX, extension XXXX, and as always with all previous debt collection by BOA, no one actually answers these phone numbers. These letters are fake attempts to resolve complaints and are blatant attempts to collect a debt using " we are a debt collector '' on the voicemail. As such, and since no debt is owed, I am instead writing yet another CFPB complaint to address what is so very wrong with the letter I received. First of all, this sentence is at issue : : '' We are able to confirm that there has been no avtivity on the closed account following these transactions '' XX/XX/XXXX. That is not what the fraud department at XXXX and XXXX told me! After receiving the initial hardcopy of my free report around XX/XX/XXXX in COLOR it losts 13 monthly payments on time. So it was verified in print and by phone that BOA did in fact report it. Yet the letter dated XX/XX/XXXX enclosed inside this envelope today by XXXX, says, " Bank of America conducted an internal technology upgrade XX/XX/XXXX, which resulted in an update to the national credit reporting agencies ... determined no bank error ... '' That is a lie. That is not what was printed on my hardcopy from XXXX when I called BOA on XXXX XXXX XXXX to tell them fraud had been committed by a bank employee and it is not what XXXX XXXX at XXXX fraud department told me either. None of the evidence agrees with what BOA keeps saying, falsely. Either BOA or BOA 's servicer posed as the bank to firnish false payment history which ca n't be explained by XX/XX/XXXX, since it FOLLOWS a years ' worth of payments that happened prior to the cited computer entry. XXXX cited a XX/XX/XXXX date. Each credit reporting agency cites different reporting at different times and in different ways pronts it on each of the XXXX reports. BOA also persists on looking at edited reports to find answers to their internal furnished data. It is not there. Some of the credit reports have since removed it because it is time-barred after XX/XX/XXXX. This is XX/XX/XXXX!!!!!!!!!! Ridiculous! All of this energy and resources to uphold erroneous data furnishing to XXXX credit reporting agencies on a debt that had XXXX value since XX/XX/XXXX defies logic and reason!!!!! Clearly the SEC should unvestigate BOA to see how many such " assets '' are on the banks books to trick investors into thinking cash flow is generated when none was generated. There would be no other sensible reason to keep in place an account closed half a decade before BOA allegedly acquired it and which was a worthless asset " dead on arrival '' asset that has generated zero income and yet had wasted many resources by the bank to deny they falsely reported it as I say they have. The facts are in my side. BOA ca n't manufacture fake documents and fake computer upgrades which are wholly inconsistemt with the printed records and expect any court in America to think fraud has not been committed. Recently, XXXX at the headquarters where this envelope was mailed - OH wait! where it was pretending to be mailed XXXX different zip codes : XXXX in XXXX and the XXXX XXXX meter at zip code XXXX in XXXX just adds to the deception! The letterhead adds to the deception with " Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' where the whistleblower works. I filed my many complaints long before the whistleblower case hit the headlinrs but all I read about it this month reaffirms my own complaints. I contacted that attorney to add information. BOA has not been honest with me not the creditvreporting agencies. There was no reason whatsoever to update a closed account from XX/XX/XXXX nor should it have ever been added to BOA 's computer database at any point in time. All that BOA is making abundantky evident it lies. No amount of reason explains it

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