In late XX/XX/XXXX or early XX/XX/XXXX I received several voice messages and emails from Bank of America regarding my XXXX credit card. I immediately contacted the bank and was informed that fraudulent charges were detected on my XXXX credit card and the bank closed the account to protect me from further fraudulent activity. I was alarmed because I have had this account for 5 years and I have not utilized the card in more than 4 years and it had a XXXX balance with a {$10000.00} limit. The bank assured me that all charges would be reversed and any fees associated with this issue would be reversed as well. I was also told that the charges arose from a cafe in XXXX where someone was purchasing coffee and snacks. I advised the bank that I have never been to XXXX to assure them that I had no part in this fraudulent activity. The bank representative at Bank of America said that I would receive a new card in the mail in 7-10 days. When that card did not arrive I re-contacted Bank of America and was told the card should have been received so they would issue a XXXX replacement card via priority mail ( signature required ). I did receive the XXXX replacement card. My problem with this entire process is now that I have the new card the associated fees for the replacement and the fraudulent charges have not been reversed completely as Bank of America promised. Now there is a 30 day late payment on my credit report for the fraudulent charges and fees totaling {$31.00}. This late payment has affected my qualification and approval for a mortgage that I was in the process of obtaining. On XX/XX/XXXX I contacted Bank of America again to discuss this matter and they apologized for the inconvenience and assured me that the fees are being reversed and the 30 day late on my credit report would be reversed in 30-60 days. This is not acceptable. I do not want to have this negative notation impede my mortgage loan processing or impact my mortgage interest rate negatively. 
