Consumer complaint received 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX FL XXXX ] [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with XXXX and Bank of America , ( Bank of America account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). 

Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where XXXX payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful. 

I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. 

Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with XXXX. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. 

I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. 

Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation