Credit card or prepaid card -- Incorrect information on your report -- Complaint #4369408
Complaint Overview
Complaint ID: 4369408
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: District of Columbia
ZIP Code: 20009
Date Received: 2021-05-11T12:00:00-05:00
Date Sent to Company: 2021-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my Bank of America credit card, which had been double-billed both to my BofA and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my XXXX credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. After many calls to BofA in which they displayed a total inability to correct a mistake they made, I tried calling XXXX. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. XXXX XXXX online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. BofA doesn't have an option internal to their organization to resolve this error, they point you to XXXX which makes it nigh on impossible to get anything fixed.
Frequently Asked Questions
What is Complaint #4369408 about?
Complaint #4369408 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-11T12:00:00-05:00.
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 or prepaid 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.