Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit card protection / Debt protection Pennsylvania

In -, - I had a credit card balance with Bank of America ( " BoA '' ) of $1300.00. I paid the balance in full with a representative over the phone. Please see attachment - When I told the representative I wanted to pay the balance in full, I was not warned that I would incur interest or other charges from BoA again at a later date - I assumed that paying the balance in full meant that the balance was being paid in full and I did not use the card again after that. Unfortunately, in -, - BoA charged me interest on that the prior balance - I have since learned that it was incurred before it was paid over the phone but had not yet been charged to me at the time I paid the account in full. Because I thought I had paid the card in full in -, - it never occurred to me to log into my BoA credit card account and check for an existing balance on the card again. The interest charged was a very small amount of $5.00. Because I was not contacted again by BoA to be made aware


Attachment B shows that since - - - for almost two full years - my account with BoA has had a balance of zero dollars. Despite this, I have recently learned that for the last ( nearly ) two years, BoA has been reporting my account as negative and " failure to pay ''. In the 21 months since BoA charged off the account, the account has continued to reflect a balance of zero every single month. For those 21 months, I never received any statements or other correspondence from BoA to alert me that the company has been damaging my credit by reporting each and every month that I have not paid on the account but that is indeed what has been happening. Please see Attachment " C ''. The account was closed in -. The entire ( albeit, small ) balance was charged off in -, -. The statement from -, - reflects $0.00 due. From -, - through today, -, -, BoA had been reporting the account unpaid to each credit bureau. BoA 's actions are unfair, abusive, and in conflict with the Fair Credit Reporting Act. Accordingly, I respectfully request that BoA contact each of the credit bureaus to which it has been negatively and incorrectly reporting my account as unpaid and that BoA promptly erase the negative and erroneous reports from the last 21 months. I further request that BoA send me written correspondence confirming that said actions have been taken. Thank you.