Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I closed my checking account and my credit card account with Bank of America on XX/XX/2024 over the phone after paying off the credit card balance of {$1500.00} that same day. Sometime after this ( unbeknownst to me ), it seems that a charge that had not yet been posted to the credit card account did then go through even though the account had ben closed on XX/XX/2024. Since the credit card account was closed and I presumed all balances had been paid off, I was not checking the Bank of America platforms for any outstanding charges. Also around this time, I had moved from XXXX, XXXX  to XXXX, XXXX  and possibly may have missed any mail communications from Bank of America about any necessary payments for an outstanding credit card balance. At some point in XX/XX/2024, I received a written mail notification from Bank of America that I was receiving final notice to collect a debt on my credit balance. Flabbergasted, I called Bank of America to get an explanation of what this letter meant since I had closed all my accounts with Bank of America in XX/XX/2024. Initially, the representative I spoke with at Bank of America was also unsure why I had received this notice, but after they performed more diligence, they arrived at the conclusion that a charge likely must have been posted to my credit card account even after it had been closed. At this point, I provided the Bank of America representative with checking account information with XXXX XXXX  to pay off the outstanding balance. With that being done, I assumed the matter had been resolved. However, the following month I received another written letter notifying me of a still outstanding balance on the Bank of America account. Once again aghast, I called Bank of America for an explanation. This time, the representative I spoke with indicated that the representative I had dealt with in XX/XX/2024 had not taken down my full check account information with XXXX XXXX  to pay off the outstanding Bank of America credit card balance, and so in actuality the outstanding balance had not been paid off at that time and was accruing additional interest. Though very upset over these multiple errors by Bank of America, I again provided my XXXX XXXX  checking account information to pay off the Bank of America credit card balance ( and interest ), which amounted to {$69.00}. Furthermore, because of the continued non-payments of the credit balance I was not even aware of between XX/XX/2024 and XX/XX/2024, my credit score rating had plummeted over 200 points. So, in addition to paying off the Bank of America credit card balance with the representative over the phone, I requested that Bank of America investigate these lapses in processes and correct its reporting to the credit bureaus to restore my now ruined credit. A few days later, I received a written letter notification from Bank of America that they had not made any mistakes and would not be adjusting its reporting with the credit bureaus, so my credit still remains at its low point. I wish to file this complaint against Bank of America and receive redress to repair my credit score rating by expunging the delinquent charges ( and late payments ).

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 monetary relief