Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'COMPLAINT REGARDING FLAGRANT VIOLATIONS OF THE FAIR CREDIT BILLING ACT (FCBA) - 15 U.S.C. 1666 BY BANK OF AMERICA, N.A.\n\nI am filing this formal complaint against Bank of America, N.A. for explicit violations of my consumer rights under the Fair Credit Billing Act (FCBA), specifically regarding three (3) credit card accounts under my name, associated with my registered mailing address in XXXX XXXX XXXX XXXX XXXX XXXX (Current alleged balance: XXXX)\n2. Account ending in XXXX (Current alleged balance: XXXXXXXX Account ending in XXXX (Current alleged balance: XXXX)\n\nCHRONOLOGY OF THE VIOLATIONS:\n\n1. FORMAL DISPUTE SUBMITTED: On XXXX XXXX XXXX, Bank of America formally received a comprehensive Billing Error and Verification Dispute via certified mail (XXXX Certified Mail Tracking ID: XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX), challenging the accuracy, interest calculations, fee applications, and consolidated billing balances of the aforementioned accounts since their inception. Under 15 U.S.C. 1666, the bank was legally required to acknowledge or resolve this dispute within XXXX days (by XXXX XXXX XXXX) and freeze all collection activities.\n\n2. BANK ACKNOWLEDGED DISPUTE VIA LIVE CHAT: On XXXX XXXX XXXX, during an official Live Chat session within the bank\'s platform, a Bank of America representative explicitly acknowledged the existence of the dispute by asking: "Como le puedo asistir acerca de la disputa presentada?" (How can I assist you regarding the dispute submitted?). This confirms the bank\'s internal systems were fully aware of the active legal process across the accounts.\n\n3. EVASIVE AND INCOMPLETE RESPONSE (Account XXXX: Bank of America issued a response dated XXXX XXXX XXXX, strictly regarding account XXXX. The bank completely failed to conduct a reasonable investigation or provide the contract and mathematical accounting audit requested to validate the debt. Instead of validating, the bank merely stated the opening date and current balance, and generic instructions on how to file a dispute, failing to comply with the validation requirements mandated under 15 U.S.C. 1666(b)(6).\n\n4. TOTAL FAILURE TO RESPOND (Accounts XXXX and XXXX): As of XXXX XXXX XXXX, the strict XXXXday statutory deadline expired, and Bank of America completely failed to provide any written validation, response, or acknowledgment regarding accounts XXXX and XXXX.\n\n5. ILLEGAL COLLECTION TRANSFER DURING ACTIVE DISPUTE: In a flagrant violation of federal law, on JXXXX XXXX XXXXwhile the dispute was actively ongoingBank of America executed a mass "Charge-Off" re-application of finance fees and interest charges (labeled as "CHARGEOFF REAPPLY FINANCE" and "CHARGEOFF REAPPLY FEE" in the account statements) and illegally transferred, assigned, and routed all three (3) accounts to a third-party collection agency: Sunrise Credit Services, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Federal law strictly prohibits selling or transferring disputed debt to collections before a proper investigation is completed and resolved.'

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