Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint to present a new and distinct legal basis for relief that was never addressed in Bank of America 's response to my prior complaint ( XXXX ). Background In XX/XX/XXXX, Bank of America reported a 30-day late payment and closed my BankAmericard XXXX XXXX XXXX XXXX account ending in XXXX an account I had maintained for 19 years, since XXXX, as part of a 28-year overall relationship with Bank of America that includes personal accounts, car loans, and active business banking. The underlying cause of the delinquency was a {$20.00} payment discrepancy a {$740.00} payment applied toward a {$760.00} minimum due. This was not willful negligence or financial hardship. It was a minor administrative shortfall on a nearly two-decade account with an otherwise exemplary payment record. Despite this, Bank of America closed the account and reported both the delinquency and the closure to all three credit bureaus, resulting in a 40-point XXXX score drop that has materially impacted my ability to access financing for my real estate investment business. The New Basis for Relief : Disaster Relief Eligibility I reside at XXXX XXXX XXXX XXXX, XXXX, CA XXXX located in XXXX XXXX XXXX. During the entire period in which this delinquency occurred, XXXX XXXX XXXX was operating under two simultaneous, independently verified government emergency declarations. Layer 1 State Level : California Governor 's Proclamation On XX/XX/XXXX, California Governor XXXX XXXX issued a State of Emergency Proclamation under California Government Code Section 8558 ( b ), explicitly naming XXXX XXXX XXXX. The proclamation, titled XXXX XXXX XXXX Storms, ' cited conditions of extreme peril including severe atmospheric river storms, catastrophic flooding, landslides, and debris flows. This declaration remained open and active well beyond XX/XX/XXXX, as confirmed by the California Governor 's Office of Emergency Services ( Cal OES ) open proclamations registry. Official source : XXXX Layer 2 City Level : City of XXXX XXXX XXXX XXXX On XX/XX/XXXX, the XXXX XXXX of XXXX XXXX XXXX XXXX Resolution XXXX, formally declaring a State of Local Emergency due to the XX/XX/XXXX winter storm. The Resolution confirms that high-intensity rainfall caused flooding, swift water rescues, debris removal, and the evacuation of approximately 325 shelter residents to XXXX XXXX XXXX Critically, the Resolution states : 'The state of local emergency shall be deemed to continue until its termination is proclaimed by the City Council XXXX meaning the emergency carried no automatic expiration date and remained legally active through and beyond my XX/XX/XXXX delinquency date. The Resolution was signed by Mayor XXXX XXXX and authenticated by City Clerk XXXX XXXX. XXXX. Official source : XXXX The 90-Day Disaster Relief Window Bank of America 's own Client Assistance Program has established provisions for customers residing in officially declared disaster areas, specifically including : special assistance with late or missing payments, modification or extension of payment terms, and no negative credit bureau reporting for impacted clients. BofA 's own established standard for disaster relief forbearance is a minimum 90-day coverage window following the date of a declared emergency. Measuring from the Governor 's proclamation of XX/XX/XXXX, that XXXX window extends through XX/XX/XXXX. My delinquency date of XX/XX/XXXX falls squarely within that window. Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX, the local emergency carried no expiration date it remained legally active indefinitely until terminated by City Council action , meaning my delinquency date falls within an open-ended declared emergency regardless of the 90-day calculation. BofA Was Formally Notified and Did Not Respond On XX/XX/XXXX, I formally notified Bank of America of this disaster relief eligibility via simultaneous email to executive contacts XXXX and XXXX, and via certified USPS mail to both XXXX XXXX XXXX ( XXXX, TX XXXX Relations ) and XXXX XXXX XXXX ( XXXX XXXX, TX ). The certified letters were delivered and confirmed via USPS tracking. The notification included the full letter of eligibility, the Governor 's Proclamation PDF, XXXX XXXX XXXX XXXX, and proof of residency establishing my XXXX XXXX XXXX XXXX XXXX As of the date of this filing XX/XX/XXXX 23 days after email delivery and 18 days after certified mail delivery Bank of America has not responded in any form to this formal notification of eligibility.

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