Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Additional Evidence and Clarification Regarding XX/XX/year> XXXX Late Payment Reported by Bank of America Prior CFPB XXXX XXXX : XXXX XXXX ________________________________________ This is not a duplicate complaint. 
This is a supplemental submission that includes new evidence, new factual clarifications, and additional documentation based on Bank of Americas response to my initial dispute. I respectfully request that this be reviewed as a continuation and escalation of the prior cases, not a duplicate. 
________________________________________ Summary of Dispute : I am disputing the 30-day late payment reported by Bank of America XXXX XX/XX/year> for credit card account ending in XXXX. The reported delinquency was the result of technical failures on Bank of Americas side and their failure to provide any reasonable notification, which is a requirement under the Fair Credit Reporting Act ( FCRA ). 
________________________________________ Fair Credit Reporting Act ( FCRA ) Lack of Reasonable Notification Under the FCRA, a creditor must make reasonable efforts to notify a consumer before reporting a late payment to the credit bureaus. 
Bank of America did not make any reasonable effort in this case. Specifically : No emails were received later determined to be due to a system error routing them internally within Bank of America. 
No mailed letters were sent to notify me of my delinquency. 
No phone calls were made. 
No app alerts or push notifications were issued. 
Auto pay issues in the attached Bank of America recognizes there was auto pay issues I was unaware I had missed a payment until it was already reported on my credit. I only found out by checking my credit report, not from any communication by Bank of America. I promptly paid the full balance immediately upon discovery and contacted customer service to set up autopay. 
________________________________________ Key Supporting Facts and Evidence : 1. Bank of America Acknowledged System Errors : In their response, they stated that my email was " correct as of XX/XX/year> '' but that correction only occurred after I discovered the issue and called customer service to fix it. Prior to that, statements were going to an internal routing address. This means no statements or alerts were delivered. 
2. Autopay Setup Failed Without My Knowledge : I attempted to set up autopay, but the setup failed. I never received a confirmation or error notice. This was acknowledged in their letter : You stated having to set up automatic payments, but the setup failed without your knowledge, and you received no confirmation or error message. 
XXXX. Contradiction in Their Defense : Bank of America claims it was still my responsibility even if the email was incorrect but I never manually entered a Bank of America routing address ( XXXX ). Why would a consumer do that? This error was clearly on their side. 
XXXX. No Late Fee Charged Evidence of Discretion : Bank of America waived {$75.00} in late fees as a courtesy. If this was entirely my fault, why was any fee waived? This signals recognition of shared or internal responsibility. 
XXXX. Autopay Now Works Showing Good Faith : I worked with customer service in XXXX to correct the problem and autopay is now working. This shows intent to stay current and that the error was not due to neglect. 

Resolution Requested : Immediate removal of the XX/XX/year> XXXX late payment from all credit bureaus. 
Restoration of accurate payment history. 
Formal acknowledgement that Bank of America failed to notify me in a reasonable manner, as required by the Fair Credit Reporting Act ( FCRA ).

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