Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Continued Billing Error Violations, Unauthorized Collection, Credit Damage, and Illegal Account Closure by Bank of America Title : Retaliatory and Unlawful Involuntary Closure of Credit Card Account by Bank of America XXXX XXXX XXXX XXXX XXXX my ongoing and legitimate billing dispute under federal law, Bank of America has engaged in retaliatory conduct by unilaterally closing my credit card account. This closure, justified by a claimed current or past delinquency, is factually incorrect and legally unjustifiable given that the disputed balance has been paid and remains under formal dispute resolution. The timing and nature of this account closure constitute a violation of my consumer rights and represent an unlawful retaliation for exercising my dispute rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), Truth in Lending Act, and other consumer protection statutes.

Narrative : Since filing my original complaint, Bank of America has : Sent multiple misleading collection letters dated XX/XX/XXXX, XXXX, and XX/XX/XXXX, including one from XXXX XXXX demanding payment while the account was actively disputed. 


Reported the account negatively to credit bureaus, causing a XXXX drop in my credit score despite the account being in active billing dispute status. 


Failed to validate the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Regulation Z ( 12 CFR 1026.13 ).

Continued billing and collection efforts without providing substantiation, violating federal law. 


On XX/XX/XXXX, a Bank of America employee falsely claimed that my XX/XX/XXXX payment never went through, misleading me about my account status despite their own records proving otherwise. 


Sent a letter dated XX/XX/XXXX, notifying me of the involuntary closure of my credit card account citing current or past delinquency, a decision that is retaliatory and unfounded given the active disputes and payments made.

Legal Violations : Truth in Lending Act ( TILA ) and Regulation Z ( 12 CFR 1026.13 ) : Collection activity, interest charges, and account closure during an active billing dispute.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g, 1692e ) : Collection of a disputed debt without validation and deceptive misrepresentation regarding payment history and account status.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate or disputed information to credit bureaus, resulting in credit damage.

Unfair and Deceptive Acts and Practices ( UDAP ) : Attempted collection and account closure in retaliation for exercising dispute rights.

Requested Relief : Immediate cessation of all collection attempts on the disputed {$1000.00} balance and related fees.

Removal and correction of all negative entries on my credit reports related to this account.

Full investigation and production of all account documentation, including detailed payment history and internal transaction notes for XX/XX/XXXX, and subsequent disputed transactions. 


Reinstatement of my credit card account or full explanation supported by documentation justifying the closure. 


Enforcement action and statutory damages for violations under TILA, FDCPA, and FCRA. 


Restitution for financial harm, including losses from a XXXX credit score drop, higher borrowing costs, denied financing opportunities, improper fees, and emotional distress.

Financial Remedies : Credit Score Damage : Estimated {$6600.00} in increased borrowing costs and lost opportunities due to a XXXX credit drop. 


Improper Fees and Interest : {$83.00} in returned payment and late fees charged unlawfully during dispute. 


Statutory Damages : Up to {$8000.00} for violations of TILA, FDCPA, and FCRA ( including multiple reporting violations ). 


Emotional Distress and Other Losses : Estimated {$2000.00} for stress, time, and effort resolving the issue. 


Total Estimated Financial Harm : Approximately {$16000.00}. 

Attachments : Copies of misleading collection letters from Bank of America. 


Documentation of credit report showing XXXX drop. 


Dispute letters sent to Bank of America ( XX/XX/XXXX & XX/XX/XXXX ). 


XXXX XXXX  statements confirming payments and returned duplicate debits. 


Bank of America correspondence regarding destroyed payment instrument and account closure.

Letter from BOA stating they have closed my account Dispute letters to transunion, equifax, and experian Dispute Certified mail receipts. 

BOA flagging my account and dropping score XXXX points on Experian This complaint is submitted in good faith and constitutes a formal demand for compliance with all applicable consumer protection laws. 
Respectfully, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC 1-308

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 non-monetary relief