Bank of America Credit Card Complaint

Bank of America Credit card department,

Illinois

My daughter is an authorized user on my Bank of America credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a - basis point increase in her refinance rate ( which will cost app $50000.00 over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.