Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5966001
Complaint Overview
Complaint ID: 5966001
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: Reporting company used your report improperly
State: California
ZIP Code: 902XX
Date Received: 2022-09-09T12:00:00-05:00
Date Sent to Company: 2022-09-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX from XXXX is a check acceptance company. XXXX and Bank of America have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using Bank of America Checking account ending in XXXX. I have been targeted by XXXX XXXX XXXX at financial institutions like XXXX, XXXX, and Bank of America who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by XXXX. The average deposits in the checking account being used is over {$10000.00} USD. 2 ) XXXX has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the XXXX website 3 ) XXXX has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. Please investigate and have XXXX release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to XXXX using Complaint Codes XXXX and XXXX.
Frequently Asked Questions
What is Complaint #5966001 about?
Complaint #5966001 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 2022-09-09T12:00:00-05:00.
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.