Credit card -- Incorrect information on your report -- Complaint #20283758
Complaint Overview
Complaint ID: 20283758
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 information incorrect
State: Nevada
ZIP Code: 89113
Date Received: 2026-03-15T12:00:00-05:00
Date Sent to Company: 2026-03-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been a credit card customer with Bank of America for approximately XXXX years and have consistently made my payments on time during that period without any prior late payments. In XX/XX/year>, a payment on my credit card account became XXXX days past due and was reported as a late payment. Around that time, I was dealing with a medical situation that required a hospital visit, which contributed to me not realizing that the payment had not been made and missing the notifications that the account was past due. As soon as I realized the payment had not been processed, I immediately paid the balance. This was an isolated incident and not intentional, especially given my XXXX-year history of on-time payments with Bank of America. After discovering the late payment reporting, I contacted Bank of America customer service to explain the circumstances and my long payment history. I requested that the late payment be reviewed and removed as a one-time courtesy. I was informed that Bank of America does not provide goodwill adjustments or remove late payment reporting. Given my history of on-time payments and the circumstances surrounding this incident, I am requesting that this matter be reviewed.
Frequently Asked Questions
What is Complaint #20283758 about?
Complaint #20283758 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 2026-03-15T12:00:00-05:00.
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.