Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5106336

Complaint Overview

Complaint ID: 5106336

Company: Bank Of America, National Association

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Maryland

ZIP Code: 21042

Date Received: 2022-01-12T12:00:00-05:00

Date Sent to Company: 2022-01-12T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I've had a credit card with Bank of America for over 3 years. It has been on autopay for its entire existence, I've never had to go online to make a payment other than setting up the autopay amount and/or adjusting the autopay amount. In XXXX and XXXX of 2021, my autopay was stopped for some reason. Since I was not notified, I did not make a payment in time and was therefore reported as late to the credit bureaus. On XX/XX/XXXX, I requested Bank of America to remove these lates as it was their fault that the autopay was turned off without notifying me. I was told ( via a representative on the chat help desk ) they would submit a complaint and would be notified in 5-7 business days of the status of the complaint, but was warrant the actual credit report correction may take 60-90 days. But, I never heard anything. On XX/XX/XXXX, I called back in to Bank of America to check on the status now that we were well past 7 business days. I spoke with XXXX XXXX who notified me that the prior rep had NEVER submitted any complaints despite my request and despite the fact that he/she told me they had. I asked her if she could check the chat transcripts to see that I had already requested this and was told it was submitted but she said she was unable to access them OR share them with me. I sat on this call for XXXX minutes and was ultimately told by XXXX that she shows no record of my autopay being turned off by Bank of America and claimed that they actually aren't able to do that, therefore she didn't have a " reason '' to submit my complaint. Despite me explaining multiple times that I've never made a manual payment and the autopay was never turned off, she still refused to file a complaint for me. I don't want much. I only ask to correct my credit report to show no lates and to refund applicable late fees. That's it. Nothing more. I will NEVER bank with Bank of America again. But I just want them to fix their mistake.

Frequently Asked Questions

What is Complaint #5106336 about?

Complaint #5106336 was filed against Bank Of America, National Association regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-01-12T12:00:00-05:00.

How did Bank Of America, National Association respond to this complaint?

The company responded with: "Closed with monetary relief". 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, credit repair services, 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.

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