Debt collection -- Attempts to collect debt not owed -- Complaint #7383456
Complaint Overview
Complaint ID: 7383456
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Massachusetts
ZIP Code: 02125
Date Received: 2023-08-10T12:00:00-05:00
Date Sent to Company: 2023-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX. I am submitting this formal complaint against Bank of America regarding a delayed payment occurrence on my account. The account was established in XXXX, and throughout its history, I have never been late. This is what happened : I was traveling for work reasons and fell ill. I can't see any adverse notice and now my perfect credit is destroyed and I can't get home due to the negative mark on XX/XX/XXXX. I confirm that I had an adequate balance to facilitate the successful processing of the aforementioned payment. My awareness of the account 's past-due status only transpired upon the identification of adverse effects within my credit report. Over the course of the past 18 years, I have maintained an enduring and loyal patronage with Bank of America, consistently exhibiting a commendable record of punctual and responsible payments. This verifiable history of payments stands as a testament to my unwavering commitment to fulfilling my financial obligations. It is noteworthy that I possess over 20 distinct accounts, and in each instance, I have diligently upheld a consistent record of timeliness. My steadfast pursuit of cultivating a positive credit history underscores my dedication to financial responsibility. Therefore, I earnestly beseech the company 's benevolence in expunging the record of a belated payment in XX/XX/XXXX from my account.
Frequently Asked Questions
What is Complaint #7383456 about?
Complaint #7383456 was filed against Bank Of America, National Association regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-08-10T12:00:00-05:00.
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 (Debt collection) 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.