Date Received: 2018-06-07T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I filed Chaper XXXX bankruptcy in XXXX in XXXX, Texas. On XX/XX/XXXX I was granted a discharge having paid all my creditors. Bank of America, however, refuses to correct their reporting to the credit agencies and, in fact, sold the debt over to XXXX XXXX, a collection agency, on XX/XX/XXXX!!
I have a clean slate yet Bank Of America refuses to correct errors that reflect poorly on my credit report. Information that is incorrect and has had a negative impact on my life.
To their credit- XXXX XXXX has not contacted me at all.
I was given this information as a result of contacting Bank Of America at XXXX.
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State/Zip: CA 905XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2929824
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.
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