Credit card or prepaid card -- Fees or interest -- Complaint #6821292

Complaint Overview

Complaint ID: 6821292

Company: Bank Of America, National Association

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Sub-Issue: Problem with fees

State: California

ZIP Code: 95403

Date Received: 2023-04-10T12:00:00-05:00

Date Sent to Company: 2023-04-10T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I went to close all of my accounts with bank of America on XX/XX/XXXX. I paid my entire credit card balance, and it was at a XXXX balance when I closed it. I was in person at a branch, but the credit card portion was done over the phone in the office of the branch. After closing my card and all of my bank of america accounts, I moved to a new bank. I received no communications from Bank of America and was under the impression my business with them had been concluded. In XXXX of XXXX I received a letter that my credit card was in delinquency, over a {$4.00} balance that was not paid, and an additional {$7.00} in late fees. Confused, I went into my local branch. At the time I was unable to be given an answer as to why the charge was there, how it was closed with a balance, and why I had received 0 communication about the card until the delinquency letter. I was under the impression I was receiving good customer service when the associate at my local branch told me they would waive the {$7.00} in fees, and had me pay the {$4.00}. I had had this card for over 5 years and never missed a payment, so it was clear to the associates in the branch that the {$4.00} was some sort of error. At the time my primary concern was my credit score not being affected by this 4 months of " late payment '' I paid the {$4.00}, and then was again under the impression that I had concluded my business with Bank of America. When I checked my credit score at the beginning of XXXX, I found that it had dropped nearly XXXX points, as the account was still regarded as delinquent, as the {$7.00} had not been waved. I have since paid the {$7.00}, as Bank of America refused to do anything to an account that was in collections. To reiterate, I found out the account was in collections due to my own diligence, I had not received communications from them aside from the 1 delinquency letter on XXXX XXXX, XXXX. I believe it is relevant that they did have my contact information for this letter, but failed to provide any statements or other communication about this account. I then went through a credit bureau adjustment case with bank of America, only to have them conclude there were 0 errors on their end. The department for this is not accessible by customers, and I had to spend hours getting transferred around by BOA to file this report. I had to call and request the result be resent, as the initial letter was not sent, and they could not tell me the findings of the case over the phone. I spent many more hours trying to dispute this information, as it was not accurate. At this point nothing has been resolved, and I have no faith that bank of america is capable of assisting.

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Bank Of America, National Association Company Profile
• Credit card or prepaid card Complaints
• Fees or interest Complaints
• California Complaints
• Company Rankings
• Company Directory
• Search Complaints