Credit card or prepaid card -- Incorrect information on your report -- Complaint #6078573
Complaint Overview
Complaint ID: 6078573
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: Tennessee
ZIP Code: 377XX
Date Received: 2022-10-12T12:00:00-05:00
Date Sent to Company: 2022-10-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX needs family. I had an uncharacteristic 30-day late payment in XX/XX/XXXX on credit card. This was after a 2+ month battle with severe XXXX, and an XXXX child who became intensely violent in XX/XX/XXXX, leading to documented XX/XX/XXXX partial hospitalization at XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and months of both state funded XXXX XXXXn and private XXXX XXXX during the pandemic in summer XXXX. XXXX XXXX so deeply affected our health, finances and well-being that we missed one payment to a card I forgot I owned. Upon catching up in life when our son and my health were stable, I realized the mistake and immediately paid and closed the card, as it was based on XXXX XXXXXXXX, and we had moved outside of the airlines flying radius. I also missed filing unemployment due to mail piled up on our home. It was a terrible unimaginable time for our family, and BOa does not appear to be compassionate, even though the CARES Act was enacted to help people exactly like us. I Wrote letters to Bank of America in early XXXX. BOA replied that I should have told them in advance that I needed help. I did not know I needed the help, and literally kissed one payment. My credit is paramount to my business, and this one blip from height of pandemic has caused me significant financial hardship, as my credit score has dropped almost XXXX points due to this reporting by BOA. I have doctors letters documenting my XXXX and requiring time off work. I have documents relative to my sons hospitalization in XX/XX/XXXX. This was the worst 6 month period in my life, and I hate that I have to relive that by filing this, but I think the CARES Act was created to help someone like me who is now impacted long term because of a report made by a credit company in XX/XX/XXXX.
Frequently Asked Questions
What is Complaint #6078573 about?
Complaint #6078573 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 2022-10-12T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-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 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.