Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5295500
Complaint Overview
Complaint ID: 5295500
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: Investigation took more than 30 days
State: Florida
ZIP Code: 33312
Date Received: 2022-03-07T12:00:00-05:00
Date Sent to Company: 2022-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I had late payments on my past mortgage with Bank of America NA in XXXX two of them. I sold the home on XX/XX/XXXX. I asked XXXX to remove the late payment as it was affecting my credit rating/score and they said they could not. They advised me to have Bank of America remove it from my account. Bank of America advised me that they are only reporting what happened during the course of the loan by law and that they can not remove those late payments from the account which I understand. I went back to XXXX and they said that Bank of America can write me a good fate response in regards to those late payments. Bank of America said they do not write good fate statements for this type of request and that all the credit bureaus know this. I went back to XXXX and they advised me to contact you guys ( CFPB ). I have been at this since the last week of XX/XX/XXXX trying to have XXXX remove this late payment from their record since the loan was paid off in full. They told me that this late payment is set to be removed in XXXX. My argument is since the loan was paid off in full, no foreclosure or bankruptcy why keep the late payments on my report for 6 years.
Frequently Asked Questions
What is Complaint #5295500 about?
Complaint #5295500 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 2022-03-07T12:00:00-05:00.
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, 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.