PO Box 1120 Charlotte NC – Is It a Scam or Legit Mailing Address?

If you’re anything like me, seeing a mysterious charge or address like PO Box 1120 Charlotte NC on your bank statement instantly raises questions. Is it a scam? Is someone messing with my account? I’ve been there—and you’re not alone. This address pops up frequently across the U.S., especially in banking and financial transactions.

Over the past few years, I’ve noticed hundreds of online threads, Reddit discussions, and community complaints related to this specific PO Box. Most people spot it during loan repayments, mortgage activities, or insurance correspondences. So I decided to dig deeper and share everything I found in a simple way. Spoiler: it’s not always bad news.

Which Businesses Typically Use PO Box 1120 Charlotte NC?

PO Box 1120 Charlotte NC isn’t just randomly used—it’s mostly linked to financial institutions, insurance companies, and loan servicing agencies. Bank of America, for example, uses it to manage thousands of daily communications related to auto loans, home mortgages, and account servicing. Companies in the insurance sector, like claim adjusters or policy administrators, may also use this address when operating through or with Bank of America’s services.

Other potential users include:

• Debt collection agencies partnered with large banks.
• Third-party billing companies handling recurring payments.
• Government-backed lenders or FHA loan processors based in North Carolina.

Why Would a Business Use PO Box 1120 Charlotte NC?

The reasons are pretty practical. First, Charlotte is a major financial hub, home to the headquarters of Bank of America, so naturally, PO Boxes in this region are highly trusted. Second, using PO Box 1120 ensures secure, centralized mail handling—perfect for sensitive banking documents, loan updates, or payment notices. Businesses also benefit from mail traceability, bulk handling, and faster routing through a high-volume USPS processing center.

So if you’re a financial company, loan processor, or corporate billing firm—using an address like PO Box 1120 Charlotte NC can add a layer of credibility and operational efficiency to your customer communications.

PO Box 1120 Charlotte NC: Legitimate Users You Should Know About

From what I found, PO Box 1120 in Charlotte, NC 28201, is widely used by Bank of America, along with its subsidiaries like BAC Home Loans Servicing LP. That explains why it’s a recurring address for people who’ve had mortgages, home loans, or car loans with BoA in the past.

Here are a few real examples:

• Many users reported seeing this PO Box linked to automatic monthly mortgage payments.
• Others got official loan payoff letters or collection notices from the same address.
• It’s also linked to insurance documents, especially when it involves Bank of America-insured products.

So while the address might look strange, it’s actually tied to one of the largest banks in the country. That said, not every case is simple, and sometimes shady third parties use similar PO Box patterns to confuse consumers. To stay safe, use an address lookup service to verify the details before replying to the letter.

Is PO Box 1120 Charlotte NC Safe or Suspicious?

Now let’s address the real concern—can you trust this address? Based on my research, PO Box 1120 Charlotte NC is a legitimate mailing address, but context matters. If you’ve had a loan, mortgage, or banking relationship with Bank of America, this address is most likely tied to that. However, if you have no known connection and still see activity or communication referencing this PO Box, you should treat it with caution.

It’s important to verify any transaction or letter referencing this address. According to customer reports on BBB.org and Trustpilot, scammers have occasionally imitated real PO Boxes to mimic legitimacy. So even if the PO Box itself is valid, always confirm who the sender is—especially before sending money or sensitive info.

Why Does PO Box 1120 Charlotte NC Appear on Your Statement?

Here’s where it gets interesting. People mostly notice PO Box 1120 listed under ACH transactions, payment receipts, or loan adjustments. For example, if your bank statement says something like “BANA Auto Loan PO Box 1120 Charlotte NC”—that’s a clear sign it’s coming from Bank of America’s Auto Financing Division.

Some other valid scenarios where this PO Box may show up include:

• Receiving collection letters for a past-due balance.
• Getting pre-approved credit offers or insurance communication.
• Seeing small charges or refunds that were part of closed accounts or loan reconciliation.

So, don’t panic immediately if you see PO Box 1120—just make sure you double-check the source.

How to Verify Charges Linked to PO Box 1120 Charlotte NC

If you suddenly notice a charge on your bank statement with a reference to this PO Box, the first thing I recommend is calling your bank—especially if you don’t recall authorizing the transaction. Ask for details like the Merchant ID, ACH transaction code, or transaction descriptor. These clues can help trace the charge back to its real source.

When I personally called my bank about a $35 charge labeled “PO Box 1120 Charlotte NC,” they traced it to a loan servicing fee from an old Bank of America car loan. So yeah—sometimes, it’s legit and just tied to accounts you forgot about. Other times, it could be a duplicate debit or billing error that needs attention. Either way, don’t ignore it.

Real User Complaints and Common Misunderstandings

Thousands of people across the U.S. have posted about this address on forums like Reddit, Quora, and even the Consumer Financial Protection Bureau (CFPB). The most common misunderstanding? People think it’s a scam right away—when in fact, most of the time, it’s related to authorized payments, but the PO Box makes it look shady.

I saw one Reddit user post: “This PO Box 1120 showed up for a $14.99 charge—thought it was fraud, but turned out to be my insurance plan renewal underwritten by BoA.” This shows how branding inconsistencies in how banks label charges can make even honest charges look suspicious. That’s why verifying through official customer service lines is always the safest bet.

When to Report PO Box 1120 Charlotte NC as Suspicious

While most instances of PO Box 1120 Charlotte NC are legit, there are some red flags you shouldn’t ignore. If you spot recurring charges you didn’t authorize, or letters from this PO Box demanding payment for something you don’t owe, it’s time to act. Always report suspicious activity to your bank, and if needed, file a complaint with the CFPB or the Federal Trade Commission (FTC).

Here are some warning signs:

• You never had an account with Bank of America, but still get charges.
• The mail lacks any branding or contact number.
• You’re being asked for wire transfers or prepaid card payments (classic scam tactic).

What Should You Do If You’re Still Not Sure?

Here’s what I usually recommend:

• Call Bank of America: Their official customer care can confirm if the PO Box was used by them.
• Cross-check with your credit report: Sometimes this address shows up related to auto loans or closed accounts.
• Save all documents: If things go south, having a paper trail is your strongest defense.

It’s better to verify before reacting emotionally, especially with PO Box addresses. Most people panic and call it a scam, but slow down, ask the right questions, and take action if needed. You’re in control.

Final Thoughts: Is PO Box 1120 Charlotte NC a Scam or Legit?

To sum it up—PO Box 1120 Charlotte NC is a real address, and in most cases, it’s connected to Bank of America or their loan servicing departments. While it might look shady at first glance, especially when you’re scanning your bank statement, it’s typically part of legitimate financial communications. But that doesn’t mean you should ignore strange activity.

Stay aware. Stay smart. If something feels off, question it. It’s your money, and you deserve transparency. Keep an eye on your accounts, don’t hesitate to ask your bank for clarification, and always report what looks fraudulent.