Consumer complaint received 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXXGreetings, XXXXAlthough there are a few issues of error and also fraud with this account, I submit this for the following herein;XXXXIn accordance with the Fair Credit Reporting Act I believe the alleged creditor and account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681; to witXXXXBank of America, and the pertinent officers thereof; regarding accountXXXX XXXX XXXX XXXX XXXX, has and have violated my rights and federal statute. I believe they are engaging in a pattern and practice of fraud, and also violation of U.S. Code statutory scheme. They have been noticed more than once to remove this inaccurately posted account from all relevant credit reporting agencies. As of this date they have failed to do so. They have also failed to either discharge or otherwise eliminate the alleged debt from their records. \nFederal Statues believed to have been violated in this instant matter:XXXX1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.XXXX. 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency cannot furnish a account without my written instructionsXXXX. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.XXXX. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.XXXXFurther; \n1. Bank of America\'s failed to report and credit payments, sent in by myself, that would have discharged any debt in the past that they claim was owed. I have neither received any negotiable instruments, coupons, money orders, checks, nor bills of exchange, et al, back from them; nor have I received any good reason why they would have not accepted same, or rejected sameXXXX They have also violated my protected consumer rights under federal statute, to send credit card statements to this man, on time, in violation of Regulation Z (1026.5(b)(2)(ii)), a section of the Truth in Lending Act (TILA) implemented by You; the Consumer Financial Protection Bureau (CFPB).XXXX This regulation requires that periodic statements be delivered at least XXXX days before the payment due date to ensure cardholders have ample time to review their bills and make payments. XXXX This was also in violation of 12 U.S.C. 1026.13(a)(7). I explained this to them over the phone some years ago to no availXXXX After which I believe and witnessed that they posted late payments, et al on the XXXX major credit reporting agencies. In my certified, notarized letter to B of A, I wrote in part:XXXX "the monthly statement for this credit card that I was supposed to receive recently in the mail was retracted? Pulled back somehow to bank of America. XXXXThereby I have not received one. Obviously, no statements means no statement of paid accounting available, nor ability to mail in the normal discharge of monthly statements of billing, [should there be any]. A very odd situation, one that I have never had happen in my lifeXXXX XXXX XXXX A copy of the notarized letter to Bank of America is annexed hereto by reference as if fully restated herein. All federal statues and applicable laws and regulation mentioned are annexed to this document by this reference as if fully restated herein.'

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