Credit card -- Incorrect information on your report -- Complaint #17285638
Complaint Overview
Complaint ID: 17285638
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Illinois
ZIP Code: 60139
Date Received: 2025-11-16T12:00:00-05:00
Date Sent to Company: 2025-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding my former Bank of America credit card account, which reports multiple late payments. All of these late payments were reported after the account was already closed, and the remaining balance was only {$62.00}. I misunderstood the account closure and believed it had been fully paid. Once I became aware there was a small remaining balance, I resolved it immediately. This oversight occurred during a difficult time, but it was an isolated incident and not reflective of my overall financial behavior. I contacted Bank of America and requested a goodwill adjustment because : The account was closed at the time the late payments were reported The remaining balance was only {$62.00} The issue was corrected immediately upon learning of the balance This was an isolated issue during a short hardship I have maintained a perfect payment history on all other accounts since Bank of America responded by stating that the information was accurate, which I understand. However, my request is not to dispute accuracy under FCRA. I am asking for a discretionary goodwill adjustment due to the unique circumstances. I respectfully request that the CFPB assist in having Bank of America reconsider my goodwill request and remove the late payment reporting, given the accounts closed status, the minimal balance involved, and the immediate corrective action. Thank you.
Frequently Asked Questions
What is Complaint #17285638 about?
Complaint #17285638 was filed against Bank Of America, National Association regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-16T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". 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 card) 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.