Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Bank of America , N.A . 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX Re : Secured Credit Card ending in XXXX  Alleged Balance {$240.00} Inaccurate Late-Payment Reporting & Multiple Closures To Whom It May Concern : I am writing to dispute the accuracy of information you have furnished about my secured credit card account and to demand both validation of the purported debt and correction of my credit file under federal law. Please take notice of the following : 1. Formal Dispute & Validation Request ( FDCPA 809, 15 U.S.C. 1692g ) Although Bank of America is the original creditor, I hereby request that, within 30 days of your receipt of this letter, you provide : A complete, itemized statement of the {$200.00} balance you claim I owe, showing principal, interest, fees, and dates ; A copy of the signed card-member agreement and any amendments ; The payment history ledger evidencing every payment, credit, and charge-off ; Documentation proving you have the right to report payment performance to consumer reporting agencies ; An explanation for why the account was closed more than once in your records. 

Until you supply these documents, you must cease all collection activities and communications regarding this account.

2. Dispute of Credit Reporting ( FCRA 611 & Furnisher Duties, 15 U.S.C. 1681i ; 623 ) I dispute each alleged late payment you have reported to XXXX, XXXX, and XXXX, as well as the multiple account closed statuses. Under the FCRA, you are required to : a ) Conduct a reasonable investigation of my dispute ; b ) Correct or delete any information you can not substantiate ; c ) Notify each nationwide consumer reporting agency to which you furnished the inaccurate data that it is incomplete or inaccurate and must be deleted or corrected in my file ; and d ) Provide me with written confirmation of the results of your reinvestigation.

3. Challenge to Interest & Fees The pattern of repeat closures and late-payment flags appears arbitrary and may have resulted in improper fees or interest. Provide a full amortization schedule or daily ledger calculations of all interest and charges assessed from account opening to date.

4. Demand for Statutory Damages & Compliance If you fail to ( a ) validate the debt as requested ; ( b ) cease reporting unverified late payments or repeated closures ; or ( c ) correct my credit file within 30 days of your receipt of this letter, I will hold Bank of America , N.A . liable under the FDCPA and FCRA for statutory damages of {$1000.00} per day of non-compliance, plus any actual damages, costs, and attorneys fees. 

Please send all correspondence to my address above via certified mail, return receipt requested. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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