Upon asking Bank of America in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Bank of America took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Bank of America. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Bank of America had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Bank of America simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Bank of America has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Bank of America refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Bank of America seems unwilling to do the right thing. 
