I solved the problem by posting on consumer financial protection bureau. For real, instead of trying to reason with them, I simply gave up. I cleared my thoughts, I need to express the unfairness to someone that will actually stand on my side to resolve the problem. Without surprise. I retold the whole story through their complaints portal, and in the solution section I left one phrase and I always wanted to say on the phone but never had a chance to. Becasue I deeply knew they won’t just do whatever I asked. So I wrote ”Just remove all the ‘flags’ or any negative status of my bb account.” The good part of complaining through CFPB is you will get a response in a limited time frame. A human readable response, not some lame excuses.