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S.C. Man Finds Out He's 'Dead' After He Tries to Get a Home Loan


"Five months since he discovered the problem..."

A South Carolina man was shocked when he received his credit report and read, "File not scored because subject is deceased." Apparently, since 2009, Bank of America (BofA) has been telling credit rating agencies that he is dead.

Arthur Livingston, of Prosperity, SC. (Wow. There's some serious irony at work here), discovered he was "dead" when he tried to obtain a bank loan for a new home back in October. Obviously, being "dead" has made this extremely difficult.

Wait. Livingston discovered this problem back in October and it’s still not resolved?

"Five months since he discovered the problem, Bank of America still does not have a solution, and his mortgage company has not been able to obtain his credit score to give him a loan for his new home, which he said is the 'major problem' with being 'deceased,'” ABC News reports. "He also fears the inactivity on his credit will negatively affect his credit score."

After becoming sufficiently annoyed with BofA for not taking his problem seriously (he even wrote BofA CEO Brian Moynihan), Livingston decided to get in touch with local media outlets to have his story publicized.

See the WISTV 10 news report:

Needless to say, Livingston is not happy with the situation.

"[Bank of America] is well aware that the account is very active on a daily basis," he said.

The whole "being dead" thing has gotten in the way of Livingston's plans to build a new home for his family, which was supposed to begin construction mid-December. He was hoping the home would be half finished by now.

"It's been a complete waste of time," he said of the "inexcusable" mistake.

He, his wife, son and daughter, ages 8 and 5 respectively, have been living in a rental home while they wait, according to ABC News. Construction of the home is estimated to take four to six months, weather pending, the report states. The Livingstons had hoped to move into their new home by April.

"Obviously, that's not going to be remotely possible," he said.

A spokeswoman for Bank of America says the bank was working with Livingston to "resolve this issue as quickly as possible."

(H/T: The Consumerist)

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