Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8341715
Complaint Overview
Complaint ID: 8341715
Company: Bank Of America, National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Oklahoma
ZIP Code: 740XX
Date Received: 2024-02-13T12:00:00-05:00
Date Sent to Company: 2024-02-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I filed previous CFPB complaint XXXX. That complaint was closed with NO REAL REPLY FROM BOFA and certainly not within an acceptable time frame. Instead, I received correspondence directly from them indicating they were having trouble finding my account file. Then, purportedly after they finally found the account file, they replied directly indicating they had fixed the problem. THAT WAS AND REMAINS A LIE! Not only did they NOT FIX the problem, they insured that incorrect address was propagated with EVERY OTHER CREDIT BUREAU in the business. The real reason they could not find my account file is because they have resurrected an old illegal scheme they got caught in which turned XXXX a HUGE CLASS ACTION suit against them which they lost! That suit against them was regarding account sequencing which they have also done to my account. When they do account secquencing not only are normal account filing practices NOT followed but since they can not find the account, they insure NO REGULATOR CAN! This way if they ever prevail in collecting the account they do not report that additional income. CFPB NEEDS TO THOROUGHLY INVESTIGATE THIS ADDITIONAL CLAIM AS WELL AS FORCE THEM TO REMOVE THE KNOWN IMPROPER ADDRESS THEY HAVE INSERTED INTO MY ACCOUNT WITH ALL KNOWN CREDIT BUREAUS! This constitutes an ongoing form of illegal harrassment. I continually receive phone calls from people wanting to purchase the property in XXXX, OK that I DO NOT OWN AND NEVER HAVE!
Frequently Asked Questions
What is Complaint #8341715 about?
Complaint #8341715 was filed against Bank Of America, National Association regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-02-13T12:00:00-05:00.
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 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.