To whom it may concern I have sent this letter below three times for complaint and adjustment to Bank OF America Credit Card, see please after this paragraph and they send a standard letter back see attached, I need to get the 30 days late payments of from XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. I need to refinance my mortgage, I have no pbms with other cards just Bank Of America, also they closed my card in the financial crisis of XX/XX/XXXX to XX/XX/XXXX and also close down the credit card insurance when I was unemployed with no delinquencies. 

Letter sent- to Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX resend in XX/XX/XXXX Complaint Department XXXX Consumer Credit Cards Bank of America Office of the President XXXX XXXX XXXX XXXX XXXX , XXXX XXXX FAX # XXXX Account # XXXX Bank of America Customer since XX/XX/XXXX I am writing to dispute the following information that your company provided to XXXX , XXXX and XXXX . 

This is all due to the Customer Service Representative ( whose name nor ID number has not been disclosed by Bank of America ) represented the following to me during a Customer Service Call in XXXX XXXX : In order to bring my account up to date, if minimum monthly payments of $ XXXX/month were made, that my account would be brought up to date within 4 months. The Customer Service Representative calculated this amount for me over the phone and thus this was the basis of my payment. 

He did not advise that during this time the account would also be reported in a derogatory status on my credit report, such as " Late '' or " Delinquent '' in paying this amount to bring the account current. 

As such, I have been paying as per the agreed upon instructions of the Customer Service Representative $ XXXX/month, which was less than my minimum statement payment at the time the Bank of America Credit Card Customer Service Representative advised me. However, I have also been reported as " Late '' on my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Additionally, a second payment was made for the XXXX XXXX due date by Customer Service Supervisor XXXX XXXX in the amount of {$650.00} in order to completely bring the account current because customer service on XXXX XXXX miscalculated also the payments. At this time, I will continue to pay according to the statement provided by Bank of America in the amount of approximately $ XXXX/month which is a direct debit from my bank account. 

In conclusion, am requesting the " Late '' " payments '' to be removed from my credit report, due to inaccurate direct payment instructions that were given to me by an official bank Customer Service Representative for my Bank of America credit card. These item ' s disputed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have affected my fico score significantly that XXXX loans were n't approved for my residential and investment properties total {$850000.00} for not refinancing. 

Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them delete or correct the disputed item [ s ] as soon as possible. 

If I do n't here to a response by 10 days I would assume the delinquencies are incorrect and I will send a letter to credit agencies Sincerely, Your name XXXX XXXX Enclosures : [ List what you are enclosing. ]