Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11290418
Complaint Overview
Complaint ID: 11290418
Company: Bank Of America, National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: 27560
Date Received: 2024-12-26T12:00:00-05:00
Date Sent to Company: 2024-12-26T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
on XXXX of XXXX, I contacted Bank of America to set up auto payments for my account ending in XXXX. When I called they said it may take 2 months for the auto payments to take place so I have started to do manual payment for a few months but in XXXX & XXXX I have travelled to XXXX for a family emergency and I have thought the auto payments would take care of the monthly payment in XXXX but system did not trigger auto payments, causing a 30- day late mark for month of XXXX. Also, my credit card has expired in XXXX XXXX and have not received a new card from Bank of America and this could have also caused for the auto payment issues due to the card expiration. I have a reached out to Bank of America to dispute this and they have said they have sent this information to the credit Bureaus but have not gotten any resolution yet. I have worked so hard to keep my score above XXXX and because of this error my score has dropped from XXXX to XXXX on XX/XX/XXXX. This is impacting our plans to secure a mortgage. I have a strong payment history and ask for understanding to restore my credit report and to remove the XXXX - day late mark caused by auto payments issue.
Frequently Asked Questions
What is Complaint #11290418 about?
Complaint #11290418 was filed against Bank Of America, National Association regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-26T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.