Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
. The Problem Bank of America has failed to resolve an unauthorized fraudulent charge, incorrectly reinstated the principal balance based on an unsubstantiated " double credit '' claim, and illegally assessed {$210.00} in interest and late fees while the charge remains in dispute. This action has resulted in severe, inaccurate negative reporting on my credit history. 

XXXX. Detailed Chronological Summary Account Name : Bank of America Credit Card Account Number : ( Last XXXX Digits ) XXXX -- Disputed Principal Amount : {$430.00} Disputed Fees/Interest : {$210.00} Total Disputed total XXXX Initial Fraud Report : The unauthorized fraudulent charge of {$430.00} was immediately reported to Bank of America 's Fraud Department as the card was not in use and had a {$0.00} balance. I followed all standard protocols. 

Provisional Credit : In or around XX/XX/year>, Bank of America provided a provisional credit for the full disputed amount of {$430.00}. 

Bank Reversal/Billing Error : At a later date, Bank of America reversed this provisional credit, reinstating the {$430.00} balance. The reason provided by Bank of America staff for the reversal was an internal error, specifically claiming I had received a " double credit '' ( the provisional credit plus an alleged credit from the merchant ). 

Contradiction of Bank 's Claim : I confirm that I did not receive, authorize, or accept any credit directly from the fraudulent merchant. The bank 's claim of a " double credit '' is a factual error that has been relayed to them multiple times over the phone. 

Failure to Correct and Illegal Fees : Despite being notified of the error and the disputed nature of the charge, Bank of America has maintained the incorrect principal balance of {$430.00} and has compounded the error by assessing {$210.00} in interest and late fees. 

Violation of FCBA : Under the Fair Credit Billing Act ( FCBA ), a creditor is prohibited from charging interest or fees on an amount that is formally under dispute. The {$210.00} in penalties is directly tied to the disputed {$430.00} principal and is thus illegally assessed. 

Credit Damage : Furthermore, Bank of America has reported the disputed balance as delinquent to credit reporting agencies, which has severely damaged my credit score and profile. Under the FCBA, a creditor can not report a disputed amount as delinquent while it is under investigation. 

XXXX. Resolution Requested I demand Bank of America take the following corrective actions immediately : Remove Principal Balance : Permanently remove the unauthorized charge of {$430.00} from my account. 

Reverse Fees : Immediately reverse and refund the {$210.00} in interest and late fees accrued on the disputed balance. 

Correct Credit Report : Immediately notify all three major credit bureaus ( Equifax, Experian, TransUnion ) to correct the inaccurate reporting and reflect a {$0.00} balance for this claim and an " Account in Dispute '' or " Paid as Agreed '' status. 

Provide Written Explanation : Provide a written explanation and any documentation supporting their claim of a merchant-issued credit. 

I have been a customer for XXXX years, and I expect the bank to comply with federal law and resolve this clear billing error.

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 monetary relief