So here is the story. I had an account with Bank of America about two years ago I got one of those check advances to handle a bill. I thought I had canceled some insurance policies in time so that I could have the money to handle the payment for the check advance, but it didn't go so well. Just like that my account was over $200 in the hole. Now this is where the frustrating part begins. The check advance company said they would continue to charge my account unless I paid the total amount. Their system would attempt to pull the money three times per week. BofA would not close the account at my request due to it being negative and told me that they can stop the payment if I give the exact amount. The problem was that the check advance company would change the amount. When I would call BofA or go to the branch where I opened my account, I was told time there was nothing they could do if I could not give them the exact amount. Eventually I was told the account would close on its own. Well the company kept "attempting to collect" the money from my account and the account was not closing like I was told. I still would try to get BofA to do something as time passed, only to be told the same thing each time. Well it finally closed to the tune of -$1853.75 and reported as account abuse a little over a year ago. I am definitely perturbed that this was something that could have been stopped way earlier than it was as I tried to stop it early on. Is this something that I can dispute?

yes anyone can dispute. Bank Of America is one of the harder banks and normally disputes do nto work especially when you are left owing such a large amount of money but it never hurts to try. I tell everyone to dispute.

OK. So how would you suggest I approach the dispute. To me I'm being held to account abuse for something not really in my control, but would that be a worthy/legit challenge?

Chexsystems allows the vague "FRAUD" "NSF" and "ABUSE" flags because they are harder to dispute and remove. There are no clear standards for what is considered NSF, Fraud or ABUSE. They can mean anything a bank wants them to.

What proof do they have to flag an account FRAUD, NSF or ABUSE? (Most people dispute based on these vague indicators)

www.chexsystemsdisputes.com