Debt collection -- Written notification about debt -- Complaint #9805202
Complaint Overview
Complaint ID: 9805202
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Massachusetts
ZIP Code: 02368
Date Received: 2024-08-14T12:00:00-05:00
Date Sent to Company: 2024-08-14T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute a late fee and negative mark on my credit card account. On XX/XX/XXXX, I was informed that my account had been flagged for a late payment that too through third party credit company through their XXXX notifications. This was the first time I have ever experienced such an issue with this account. I did not receive any prior notification via call or email regarding this matter. My account is set up for automatic payments, and I was surprised to learn that the payment was marked as late despite this arrangement. If they would just made a call or text or email ; I would have made sure to pay my amounts. Upon receiving this notification, I immediately contacted bank and offered to pay the full amount due. However, they declined to remove the late fee and the negative mark on my account. Given that this was a one-time occurrence, I believe this penalty is unjustified, particularly since I did not receive any prior notice and have a history of timely payments. I kindly request that the CFPB intervene to have this late fee and negative mark removed from my account, as it has caused undue stress and is not reflective of my typical payment behavior. Thank you for your attention to this matter. I look forward to a resolution that rectifies this situation.
Frequently Asked Questions
What is Complaint #9805202 about?
Complaint #9805202 was filed against Bank Of America, National Association regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-08-14T12:00:00-05:00.
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 (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.