Date Received: 2018-04-14T00:00:00
Product: Credit card debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through CPS. I am divorced and in XXXX trying to rebuild my life.
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State/Zip: TX 770XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2875361
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.
