Bank of America Credit Card Complaint

Bank of America Credit card department,

Delinquent account California

THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. I held a Bank of America Credit card. My credit card was stolen around -/-/- and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine $40.00 - clipper card fee that was outstanding on the bill. As my account was -, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early -/-/- to take the late payment charge off my credit history and called back in -/-/- to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is


exec throught chat on - and -. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on - narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the -. My questions : 1 ) Why was I not told this when I followed up with them in -, then in -, and -.