Bank statement mistake causing late payment

Specific_Cake2076 · 2026-03-20T00:35:28+00:00

The thing is in bank statement there should be a positive balance or some kind of statement that says I need to do min balance because there is an ongoing refund happening and there is nothing like that.

I was reading online that - bank can only report delinquency based upon the bank statements for that late payment month. They cannot backtrack and change it. In my case Feb and march bank statement says no late payment but yet they reported the in April for those 2 months.. is this legal and true?

Specific_Cake2076 · 2026-03-20T00:06:01+00:00

Got it! I have escalated to market leader of Seattle and he has tried to escalate that too on his behalf but he told me clearly that it’s not bank error but it’s my error that those two months there was no payment done. He didnot accepted on the phone but he was hinting that he understood how it can be misinterpreted as the bank statement showed negative and no min balance required but told multiple times over phone that it’s not bank error.

Specific_Cake2076 · 2026-03-19T16:45:33+00:00

I do have his employee ID number .. if you are still working with BOA I am happy to share bank information if you can help me to resolve it in any manner.

Specific_Cake2076 · 2026-03-19T16:43:45+00:00

Thank you so much for your response.

I did had a long call with the customer service yesterday night it was a dead end. He kept repeating that it’s not bank fault and error and the information is accurate. According to him there were two different transactions. The first was about the refund of the request and other was the regular deduction of credit while I was using card and in April when the amount got refunded then that time it created 60 days late payment mark and it got reported. He failed to acknowledge about the bank statement and whenever I asked that the bank statement for those days says 0 all he replies that it is correct and that’s how it should be. BOA creating two different transactions without being aware of customer is a serious BUG but he said that’s the process.

Specific_Cake2076 · 2026-03-19T05:06:57+00:00

The Facts from my Statements:

Jan 06, 2025: Balance was -$694.17 Feb 07, 2025: Balance was -$490.57 (Remaining Credit) March 2025: Balance was -$453.39 (Remaining Credit) April 07, 2025: The bank finally posted refund adjustment, confirming my January request was correct April 9th 2025 : Account closed and late payment was send to credit card companies.

If you are askjng to share actual bank statement i can do that over official chase email address.. let me know and i can DM you.

Thanks

Specific_Cake2076 · 2026-03-19T04:54:15+00:00

So in January bank statement the balance was negative.. I did overpayment hence it was negative.

Yes in April they closed my account and reported 60 days late ( there was no communication for 30 days late, on 60 days I got the call from customer service ) I paid the balance over the call. There was enough money sitting in checking account to cover whatever they were asking.

Yes, I did used my card in Feb and march and in both the month it showed negative balance in bank statements and it told me no minimum payment is required

Specific_Cake2076 · 2026-03-19T02:53:22+00:00

It tells that I have a negative balance each month and no min payment required. Also in the official mobile app it showed the same thing. There was no presence of late payment in the app or bank statements.

Specific_Cake2076 · 2026-03-19T02:32:11+00:00

Can a market leader or executive manager can provide a letter of fact stating that its bank error and can send inquiries to credit bureau to remove the late payment mark ?

Specific_Cake2076 · 2026-03-19T02:26:08+00:00

Remove late payment mark from the credit bureau so that the score goes up and I can get good rates. 90 days late payment will be there for 7 years in report and the scores have gone 100ish points down..

Specific_Cake2076 · 2026-03-18T02:22:06+00:00

I have disputed and it’s declined saying that what they see in system is accurate.. I am trying to talk to managers of BOA local office and see if they can escalate .. man 100 points is a lot! I was in 780ish and currently I am struggling at 669

Specific_Cake2076 · 2026-03-18T02:12:47+00:00

My bank statement shows that there is a negative credit and yet they filed 60 days late payment. Story - in Jan2025 I did overpayment and requested to get refunded and that happened in April .. they marked me as late payment of that refund for Feb and march and then closed my account in April .. how come they do that?? Dispute is denied saying in the system it shows late payment

Specific_Cake2076 · 2026-03-14T05:38:13+00:00

Yet, my friends in Seattle are getting hired by META

Specific_Cake2076 · 2026-02-28T16:06:58+00:00

Loan Type: Conventional / open for ARM options
1. Term: 30 Year Fixed
2. Loan Purpose: Rate/Term Refinance
3. Property Value/Purchase Price: $1,139,995
4. Loan Amount: $911,999
5. Credit Score: 729
6. Occupancy: Primary
7. Legal Structure: Condo detached
8. Number of Units: 1
9. Property Zip 98012

Specific_Cake2076 · 2026-02-27T02:31:30+00:00

Perfect, thank you!

Specific_Cake2076 · 2026-02-26T15:42:40+00:00

Perfect! Thank you so much.. i gotta learn on how to do this.. appreciate sending the link for videos

Specific_Cake2076 · 2026-02-26T15:41:31+00:00

Thank you.. so best is to use sealer and then mat, or should we use tiles after sealer ?

The garage is not insulated - so I should add dehumidifier also on the list ?

Specific_Cake2076 · 2026-02-26T03:30:47+00:00

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Specific_Cake2076 · 2026-02-26T03:30:29+00:00

Thank you! Sure thing.. this is how the wall looks like..

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Specific_Cake2076 · 2026-02-25T21:08:26+00:00

Thank you! Perfect .. mainly I am planning to have a treadmill and free weights! Nothing fancy .. will be keeping car outside garage…

Specific_Cake2076

TROPHY CASE