Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

My family and I are long-standing Bank of America XXXX XXXX We maintain significant monthly spendingtypically {$8000.00} to {$12000.00} per monthon our Bank of America XXXX XXXX, which has always been paid in full and on time. We value our relationship with Bank of America and have had a perfect payment history for over ten years. 

We also maintain a secondary account, the XXXX XXXX XXXX Bank of America Credit Card, which we do not actively use. In XX/XX/year>, a single erroneous charge from XXXX in the amount of {$26.00} was posted to this unused account. XXXX later issued a refund, but it was applied as store credit rather than a reversal to the credit card. 

Compounding the issue, Bank of America had our address incorrectly listed as XXXX XXXX XXXX, XXXX, GA XXXX instead of XXXX XXXX. As a result, we never received a single statement for this account and had no reason to expect any activity on it. 

Because we did not receive the statements and the card is one we never use, the {$26.00} charge unintentionally went past due. When we discovered the error, we immediately paid the balance in full. 

Despite the extremely small dollar amount, Bank of America reported the account as 60 days past due, which caused my credit score to drop by nearly XXXX points. This is the only late payment ever reported on my credit history in the past decade. 

I must also note that my family is legally XXXX, and we repeatedly requested large-print statements for all of our Bank of America accounts XXXX To date, Bank of America has never fulfilled this accommodation request, which contributed to us not being aware of the issue. 

We have contacted Bank of America more than ten times, requesting removal of this highly disproportionate late payment notation. Given our long history of excellent credit management, the minimal amount involved, and the fact that the late payment resulted from both incorrect address data and unfulfilled accessibility accommodations, we respectfully request that Bank of America remove this negative entry from my credit file. 

Unfortunately, each time we call, we are transferred to a foreign call center and are unable to reach anyone with the authority to address or resolve this matter. This has left us without a clear point of contact or any meaningful assistance.

Given the circumstancesincluding the {$26.00} amount, the perfect payment history for 10+ years, the incorrect address, the failure to provide required accessibility accommodations, and the severe and unfair impact on my creditworthiness, I respectfully request that Bank of America remove the XXXX late payment notation as a matter of fairness and accuracy. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 explanation