Credit card -- Incorrect information on your report -- Complaint #19894844
Bank of America Accused of Reporting Incorrect Credit Card Status
Complaint Overview
Complaint ID: 19894844
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: Texas
ZIP Code: 76131
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's credit score and ability to obtain future credit.
Consumer Sentiment: neutral
Topics: Credit reporting, Credit card account status, Incorrect information
AI Analysis
CFPB complaint 19894844 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A Texas consumer reported incorrect account status information on their general-purpose credit card report with Bank of America, which is currently under review. The complaint was received on February 28, 2026 from Texas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly check their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the creditor.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
Furnishers like Bank of America have a responsibility to investigate disputes and correct any inaccuracies reported to credit bureaus.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Texas, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes.
Industry Comparison
Disputes over incorrect account status are common in the credit card industry, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19894844 about?
CFPB complaint 19894844 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on February 28, 2026.
Which company is complaint 19894844 filed against?
Complaint 19894844 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 19894844?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19894844 filed?
Complaint 19894844 was received by the CFPB on February 28, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on March 2, 2026.
What state was complaint 19894844 filed from?
Complaint 19894844 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 19894844?
Dispute information is not available for complaint 19894844.
What product category is complaint 19894844 about?
Complaint 19894844 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19894844 submitted?
Complaint 19894844 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19894844?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Incorrect information on your report".
How likely is complaint 19894844 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19894844?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's credit score and ability to obtain future credit.
What regulatory actions apply to complaint 19894844?
Furnishers like Bank of America have a responsibility to investigate disputes and correct any inaccuracies reported to credit bureaus. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19894844?
Consumers should regularly check their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the creditor.
Are there state-specific protections for complaint 19894844?
The consumer is located in Texas, and state laws may offer additional protections or avenues for recourse regarding credit reporting disputes. This complaint was filed from Texas.
How does complaint 19894844 compare to industry norms?
Disputes over incorrect account status are common in the credit card industry, affecting many consumers.
What is the typical timeframe for a credit reporting dispute investigation by a credit card issuer?
Under the FCRA, furnishers generally have 30 days to investigate a dispute, with a possible extension to 45 days if the dispute is filed close to the end of a credit reporting cycle.
What happens if the credit card issuer fails to resolve the incorrect information after investigation?
If the issuer does not correct the information or cannot verify it, they must provide the consumer with a statement that the disputed information has not been found to be inaccurate.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.