Bank of America Credit Card Complaint

Bank of America Credit card department,

Alaska

-/-/--/-/- I had a couple hardships and was not able to work as many hours in previous years. I kept in contact with my creditors, including Bank of America ( Acct # - - ), stating when I was able, I would resume payment on my account. In -/-/- Bank of America via FIA Card Services -. reported a - to the IRS with a -/-/- date for $23000.00, which I then revised my -/-/- taxes to include this - and have been paying the IRS for this forgiven debt income. In -/-/-, Bank of America started to report to the credit agencies that I have an open balance of $24000.00 ( Acct # - - ). I have written Bank of America and received a letter stating that acct # ending in -, case # - has been charged off as of -/-/-. Although Bank of America sent this to me, they still confirm to the credit agencies that my account has an open past due amount of $24000.00 & with each credit card bureau, I have to fill out a form each time they resubmit as each time BOA resubmits my credit score drops significantly. This feels like harassment to me. Even though the credit bureaus note " customer disputes this item '', I still have to resubmit a research request form periodically each time Bank of America reports that I have an open, past due balance.