Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I sent this letter to a Bank of America on XX/XX/XXXX Bank of America XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE. XXXX : Formal Complaint Regarding Recurring Payment Practices and Potential UDAAP Violations Credit Card Account XXXX Case # XXXXTo  Whom It May Concern, I am writing to formally express my concern and request immediate review of potentially abusive practices involving my credit card account ending in XXXX. Specifically, I am referring to the banks decision to permit a recurring automatic payment to be setwithout my full understanding or consentto an amount of XXXX XXXX  ( {$0.00} ) per month, despite the fact that such an amount is clearly and obviously insufficient to meet any minimum payment obligation on the account. An automatic payment of {$150.00} had previously been set up with this account, and upon discovery of the current situation, a new automatic payment was reset up though Bank of America, the balance paid in full, and all late fees reversed by Bank of America upon the review and acknowledgement that me as the client should not have been penalized for this automatic payment issue. 
However, this practice has resulted in a 30 day delinquency reported to the three main credit bureaus. Placing me in an increasingly unfavorable financial position with my credit score being lowered over XXXX points based on this infraction. I believe this may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) as outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act, particularly because:1. The bank allowed an automatic payment to be processed at a de minimis amount that could not reasonably be construed to satisfy minimum monthly payment obligations ; 2. No meaningful notice or warning was given that the automatic payment arrangement would result in continued delinquency, interest accrual, or additional fees ; 3. The recurring payment structure appears to have been accepted or maintained knowingly by the institution despite being objectively incapable of meeting the accounts minimum monthly payment requirements ; 4. This action may mislead or misinform the consumer into believing that the account is in good standing when it is not.In light of the above, I respectfully request the following : Formally contact the credit agencies of this error and request the 30 day delinquency to be removed from my credit history. A complete written explanation of how and why the automatic payment amount was permitted or modified to such a low level ; Confirmation of compliance with all relevant federal consumer protection laws, including the Truth in Lending Act, CARD Act, and applicable UDAAP provisions. 

I attempted to resolve with this issue with the customer service team three times, with the last time on XX/XX/XXXX. the representative saying that it was not possible to notify the credit agencies with a request to remove this 30 day late payment, which I did not agree to. With being a client of Bank of America since XXXX, I expect the bank to look at this issue and to resolve with common sense and understanding.If this matter is not resolved to my satisfaction within 15 business days, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities.Thank you for your prompt attention to this matter. I look forward to a timely and constructive resolution.Sincerely, XXXX XXXX Bank of Americas response : They responded with this : We carefully reviewed your request and the information available to us this could include information from you and/or within the account details : We accurately recorded all the payments made on the account, so well continue reporting that its delinquent. 
We have completed our research and consider your dispute resolved. 

Next steps and overview : Issue : Credit reporting dispute What happened : A recurring {$0.00} automatic payment was processed monthly, clearly insufficient to meet minimum payment obligations. 
This payment method was somehow set or allowed without proper notice or understanding on my part. 
Upon discovery, I immediately paid the balance in full and Bank of America reversed all late fees, confirming that the payment setup and delinquency were inappropriately handled. 
Despite this, they reported a 30-day late payment to credit bureaus, causing a drop of over XXXX points in my credit score. 
Now, Bank of America refuses to update the bureauseven though they effectively acknowledged the error by reversing fees and resetting the payment. 

Why its wrong : This action is misleading and punitive, violating protections under the Fair Credit Reporting Act ( FCRA ). 
It may also violate UDAAP under the Dodd-Frank Act, by allowing an invalid auto-payment and continuing to report a delinquency after acknowledging its error.

What I want : Removal of the 30-day late payment from my credit report with all three bureaus. 
A written explanation of how the {$0.00} recurring payment was established and permitted to continue.

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