Bank of America on Your Credit Report
In short: Bank of America is one of the largest national banks in the United States and issues a broad range of consumer credit cards, including cash-rewards, travel, and secured products. It also reports mortgages, auto loans and home equity lines, so a single consumer may carry several Bank of America tradelines of different types. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Bank of America actually is
What makes this creditor different
Bank of America has the most concentrated complaint profile of any top-six issuer: 3,963 of its 9,123 CFPB credit-card complaints since January 2025 — about 43% — are disputed purchases, a higher share than Citibank, Capital One or Chase, meaning nearly half its card complaints are billing disputes rather than account-terms disputes.
How Bank of America appears on your credit report
Bank of America's card, mortgage and deposit systems are separate, and a dispute lodged with one does not automatically reach another. A consumer disputing a card tradeline should address it to the card unit specifically. The volume of billing-dispute complaints also means the Fair Credit Billing Act route — a written billing-error notice within 60 days of the statement — is often the more precise tool than a general credit-report dispute.
Names it may report under
Products that commonly show up
- ◆Bank of America consumer credit cards
- ◆Secured credit cards
- ◆Mortgages and home equity lines of credit
- ◆Auto loans
What consumers report to the CFPB
These are counts of complaints filed with the Consumer Financial Protection Bureau about credit cards, from the CFPB's public complaint database. They describe the company's complaint history — they are not a prediction about any individual account.
Source: CFPB Consumer Complaint Database, product “Credit card”, company “BANK OF AMERICA, NATIONAL ASSOCIATION”. Snapshot retrieved 2026-10-15. Complaint counts change over time.
Grounds to dispute a Bank of America entry
Each of these is a reason a Bank of America tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Billing-error dispute resolved in the consumer's favour but the corrected balance never furnished
- ◆Secured card deposit reported as the credit limit after the limit increased
- ◆Card and HELOC tradelines conflated as the same account
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Bank of America is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Bank of America has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Bank of America a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bank of America questions, answered
What is the difference between a billing dispute and a credit-report dispute?
A billing dispute is made under the Fair Credit Billing Act, must generally be sent in writing within 60 days of the statement containing the error, and concerns whether you owe the charge. A credit-report dispute is made under the FCRA, has no comparable 60-day limit, and concerns whether what is being reported about the account is accurate. With Bank of America, where 43% of card complaints are disputed purchases, the billing route is often the right first step.
How many CFPB credit-card complaints does Bank of America have?
9,123 since January 2025, according to the CFPB's public complaint database as of October 15, 2026. The breakdown is 3,963 for problems with a purchase shown on a statement, 992 for other features/terms/problems, 772 for problems when making payments, and 668 for fees or interest.
Does closing a Bank of America card remove it from my report?
No. A closed account remains on your credit report — generally up to ten years if it closed in good standing, and up to seven years from the date of first delinquency if it did not. Closing an account does not erase its history, and an account in good standing continues to contribute that positive history while it remains.
How do I dispute a Bank of America tradeline?
Dispute with Equifax, Experian and TransUnion under FCRA §611, and separately with Bank of America as the furnisher under FCRA §623. Put it in writing, identify the account by its last four digits, state exactly what is wrong and why, and attach any proof. Both routes are free and you can pursue them yourself without paying anyone.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Bank of America; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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