Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4888102
Complaint Overview
Complaint ID: 4888102
Company: Bank Of America, National Association
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: South Carolina
ZIP Code: 29403
Date Received: 2021-11-08T12:00:00-05:00
Date Sent to Company: 2021-11-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
While checking my XXXX credit report I noticed a hard inquiry from Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The phone number given was ( XXXX ) XXXX. I have not requested a credit card of any type of credit from this bank. I called the number and was asked to provide my social security number or account number. I tried to speak with a person but was unable to do so. I contacted XXXX via their online chat and was told I couldn't resolve inquiries through XXXX. I was told to contact the company. As I suspected I would not get " help '' without providing personal information to a company I suspected of being a scam I refused to do this. I am at a loss. I did not request credit from this company and don't know how they got enough info on me to place a hard inquiry on my credit file. An internet search did not settle the matter. Many say the phone number is for a scam, but others say it is legit. Other than monitoring my credit file to see if something new appears from this bank, I don't know what to do.
Frequently Asked Questions
What is Complaint #4888102 about?
Complaint #4888102 was filed against Bank Of America, National Association regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-11-08T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.