Credit card -- Incorrect information on your report -- Complaint #7998410
Complaint Overview
Complaint ID: 7998410
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Louisiana
ZIP Code: 711XX
Date Received: 2023-12-13T12:00:00-05:00
Date Sent to Company: 2023-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have maintained a Bank of America credit card since XXXX and they have always mailed me a statement of my account by US mail when I used the card. On XX/XX/XXXX, I charged the amount of {$17.00} on the card. On XX/XX/XXXX, I received a notice from my bank that my credit report reflected a late payment. After researching this " delinquent payment notification '', I discovered that there was an unpaid balance on my Bank of America credit card. This notification also dropped my credit score from XXXX to XXXX. I never receive a billing statement from Bank of America in the mail for this charge. When I called Bank of America about this unpaid balance they told me the statement was emailed to an old email account that I don't regularly check. Without my knowledge, or consent, they changed my account to " paperless billing ''. I have since paid 100 % of the balance ( including interest ). I also called them to have them retract the delinquent payment notification to the credit agencies and they have denied my requests.
Frequently Asked Questions
What is Complaint #7998410 about?
Complaint #7998410 was filed against Bank Of America, National Association regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2023-12-13T12:00:00-05:00.
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) 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.