Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19793795
Complaint Overview
Complaint ID: 19793795
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: Illinois
ZIP Code: 60657
Date Received: 2026-02-25T12:00:00-05:00
Date Sent to Company: 2026-02-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been a Bank of America customer since XXXX. From XX/XX/XXXX through XX/XX/XXXX I received consistent monthly autopay confirmation emails confirming my enrollment was active. I have documentation of these emails. In XX/XX/XXXX these emails stopped. I received no notification from Bank of America that my autopay was canceled or that any action was required on my part. On XX/XX/XXXX a 30 day late payment was reported on my credit report. I did not miss this payment intentionally. I had autopay active and was receiving confirmation of this every month for over three years. I was never told it ended. I contacted Bank of America immediately upon discovering this and spoke with a supervisor. I was told this could not be removed under their goodwill policy. However I am not requesting goodwill. I am disputing a late payment that resulted from an account change I was never made aware of and never authorized. I have over a decade of history with Bank of America and documented proof of active autopay enrollment spanning three years. I am requesting removal of the XX/XX/XXXX late payment from my credit report as it does not accurately reflect my payment behavior given the circumstances.
Frequently Asked Questions
What is Complaint #19793795 about?
Complaint #19793795 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 2026-02-25T12:00:00-05:00.
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 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.