Credit card -- Problem with a company's investigation into an existing problem -- Complaint #17971638
Complaint Overview
Complaint ID: 17971638
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 90069
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against BANK OF AMERICA for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( b ). I originally disputed the accuracy of account number XX/XX/XXXX.on XX/XX/scrub>, 2025. I sent a follow-up on XX/XX/scrub> 2025, and aXX/XX/XXXX follow-up. Despite multiple notices, BANK OF AMERICA has not provided any verification, investigation results, or documentation proving the accuracy of these accounts. They have ignored my requests and continue to report information that remains unverified. Under federal law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data. BANK OF AMERICA has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of the FCRA.
Frequently Asked Questions
What is Complaint #17971638 about?
Complaint #17971638 was filed against Bank Of America, National Association regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
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.