Need useful Help, ASAP..

Oh, I forgot to mention -

I have looked over the FTC site and the Fair Credit Reporting Act. From what I could see, the FTC won't help me much, persoanlly. How would the Fair Credit Reporting Act help me?

You need to file a complaint with the Office of the Controller of Currency. They are the watchdogs for the national banks. They will follow up. Be patient it may take a while.

In the meantime I would suggest disputing this info with the credit bureaus and atleast provide the proof you have! They have to get back to you within 30 days. You are also allowed to mail a certified letter to BofA disputing what they are reporting to the credit bureaus and they legally are supposed to show that dispute letter with your credit file. It may help.

I'm the OP here. Sorry. I thought when I posted that I was still logged in. Thanks for your help, frogpatch and smckaybiz. It's greatly appreciated.

Now, with the Office of the Controller of Currency, do they also deal with Banks in terms of Credit Card Services? My regular bank is not BofA. They were simply whom I got my Visa Credit Card with.

This is somewhat off-topic but about the weird cat I mentioned - some explantion. The cat didn't eat the receipts or anything like that. Instead, we found that he'd developed a habit of taking small papers he would find around the apartment into his hooded litterbox. Most times the papers were to be trashed anyway, so it was more of an annoyance than a problem. At one point he did take a dollar bill and a few of the BofA receipts in there. If I'd known that I'd have my problem with BofA, I'd have saved them regardless. At the time I didn't think it was important and that things were square between us. Anyway, he stopped doing this once we gave him a coarse rug to wipe his paws on. We figure it was mimicry - he's a clever cat, sometimes too clever.

Ok, why does it keep showing me as "Guest" even when I'm logged in? My user name here is "retroflow".

The last two "Guest" entries, as well as the OP are from me, provided this post doesn't show as "Guest" too.

EDIT: There we go, here I am. Please feel free to contact me with anything regarding my OP, or continue to post here where I can see it later. Thank you once again.

Hi! just to give you an update on this issue, Retroflow had located some bank statements noting payments made directly to the local branch for his BofA credit card. These payments were made after the "last payment made" date uttered by the collections agency.

Is there anything we can do at this point? BofA seems to have provided incorrect information to GC services, either that or GC services is making up the information. Any advice?

So who is reporting it? BoA or GC? Also I'm a bit confused, is the credit account delinquent and you are making payments? I see you mentioned a documented payment plan that should be able to help you as well.

I don't see how BoA can't be fully aware that a CA is trying to collect from you...this whole thing sounds just plain..wrong.

The fact that this wrong information has cost you an apartment (this was in NOV right? How did the apartment leasing go with your current credit score?) can also be used if you have to fight these guys.

Why are they both trying to contact you? You are still making payments correct? I think something is seriously wrong that they don't keep records of payments...I thought they had too.

The account as of right now has not had payments made on it, as we're not sure whether BofA is stil accepting payments of not. I know at this stage when this happened to me (between BofA and GC services, I went thru this last year), BofA wouldn't take payments but still contacted me.

Retroflow has been out of work since August, and has had no income since then. I am already taking over a car payment and auto insurance that are honestly not in my budget. I can't take on anything more than that.

As for the apartment, because I work for a company that does advertising for apartment communities, and our relocation was due to my job transfer, we did manage to get a lease on an apartment through a recommendation from my company (thank goodness!).

So to answer your question, no, payments are not being made as of right now. But we do have documentation about a payment plan effective May 2007, and we had stuck to that payment plan through November of 2007, when, basically, money ran out. However both parties are contacting us at this point. Not sure why. All credit reporting agencies show no record of the payment plan, in fact, no record of payments since May 2007 when the payment plan was put in effect. We have documentation from B of A about the plan, and we have the credit card statements showing that payments were made.

Something is totally wrong with this whole situation. I'm ready to take on GC services myself, but I'm never home when they call.

I'm going to start the process myself of sending a request for debt validation, etc..

oops! Didn't realize I wasn't logged in...that's me above.

Yes, I should point out that retroflow and rockinkiwi are spouses. Which is why rockinkiwi seems to know so much about retroflow.