Credit card -- Problem with a purchase shown on your statement -- Complaint #18143803
Complaint Overview
Complaint ID: 18143803
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 92101
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Charge-Off Reporting Account Ending in XXXX I am formally disputing the reporting of my Bank of America credit card account ending in XXXX, which was charged off on XX/XX/year> with a balance of {$18000.00}. I believe this charge-off may be based on an inaccurate or non-compliant delinquency timeline during the XXXX period. If the reporting of my payment history leading up to the charge-off was inaccurate, incomplete, or not in compliance with CARES Act requirements, the charge-off status and date can not be considered accurate or valid under the Fair Credit Reporting Act ( FCRA ). I am requesting that Bank of America provide complete documentation verifying the following : That I did not request a XXXX hardship or payment accommodation. That Bank of America complied with all CARES Act reporting requirements from XX/XX/year> onward. That the month-by-month delinquency timeline leading to the charge-off is accurate, complete, and verifiable. That the charge-off date of XX/XX/year> is correct and fully supported by Bank of Americas records . If Bank of America can not provide comprehensive documentation proving that the reporting was accurate and compliant, I request that the charge-off and any associated derogatory information be immediately removed or corrected on my credit report. Under the FCRA, I am entitled to have all information reported accurately and fairly, and the CARES Act provided additional protections for consumers during the XXXX pandemic. Failure to provide supporting documentation may constitute a violation of these obligations. Please treat this as a formal dispute, and provide your response in writing along with all documentation supporting the reporting of this account.
Frequently Asked Questions
What is Complaint #18143803 about?
Complaint #18143803 was filed against Bank Of America, National Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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.