To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Bank of America as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Bank of America, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Bank of America credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting. 
