Date Received: 2017-10-12T00:00:00
Product: I do not know
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XX/XX/XXXXwith the CRAs and the furnisher.
The tradeline is furnished by XXXX XXXX XXXX XXXX XXXX and it lists itself as the lender on an alleged conventional real estate mortgage opened in XX/XX/XXXX. The reference number is XXXX. I did not get a mortgage loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower.
The CRAs keep returning verified as the result of the reinvestigations.
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State/Zip: GA 300XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2700253
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.