I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is. 
