Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD. 
