Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting the complete deletion of Bank of Americas reporting of an alleged {$11000.00} balance because the account is legally timebarred under Florida Statute 95.11 ( 2 ) ( b ). The statute of limitations for credit card accounts in Florida is five years from the date of last payment or last transaction. That period has expired, making the debt legally unenforceable. Bank of America ( or its servicer/collector ) continues to report this timebarred balance as if it is valid and enforceable. Reporting a legally unenforceable debt without disclosing its timebarred status is misleading, deceptive, and violates the Fair Credit Reporting Act ( FCRA ). -- - Legal Basis Supporting Deletion 1. Florida Attorney General Unfair & Deceptive Practices The Florida Attorney General has repeatedly stated that : Attempting to collect or imply enforceability of a timebarred debt is deceptive, Failing to disclose the timebarred status misleads consumers, and Collectors must not misrepresent the legal status of a debt under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.204. The AG has taken enforcement actions where creditors or collectors misrepresented the enforceability of timebarred debts or failed to disclose that a debt could not legally be sued on. Bank of Americas reporting of a full active balance without acknowledging the debts timebarred status is inconsistent with Florida AG guidance and enforcement precedent. -- - 2. Federal Case Law TimeBarred Debt Reporting Is Misleading XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) Attempting to collect or imply enforceability on a timebarred debt is deceptive. XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failing to disclose that a debt is timebarred is misleading. XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Implying enforceability of a timebarred debt violates consumer protection laws. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX a timebarred debt without context can mislead consumers and regulators. -- - 3. FCRA Violations FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurately Reporting a legally unenforceable debt as an active balance is not accurate. FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Bank of America has not updated the tradeline to reflect the debts timebarred status. FCRA 623 ( a ) ( 8 ) Duty to Conduct a Reasonable Investigation Bank of America has not provided : any itemized accounting, any chargeoff history, any interest/fee calculations, any statements, or any contract validating the {$11000.00} balance. The current letter simply states the balance without any supporting documentation. -- - Requested CFPB Action DELETION ONLY Because the debt is timebarred, legally unenforceable, and unsupported by documentation, I am requesting that CFPB require Bank of America to DELETE the tradeline entirely. Deletion is the only appropriate remedy because : The debt can not be collected The debt can not be enforced The reporting is misleading The reporting is incomplete The reporting is inaccurate under FCRA The furnisher has not validated the balance The furnisher has not acknowledged the timebarred status The Florida Attorney General considers misrepresenting timebarred debts a deceptive practice If Bank of America can not validate the enforceability and accuracy of the {$11000.00} balance, the tradeline must be removed.

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