Credit card -- Closing your account -- Complaint #7563181
Complaint Overview
Complaint ID: 7563181
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: New York
ZIP Code: 11358
Date Received: 2023-09-17T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a credit card with Bank of America and I scheduled a payment of {$300.00}. That payment returned for insufficient funds. It's an account I use to pay bills and I made a mistake with my balance. I called the bank customer service and asked if that amount would be charged again and the associate I spoke with said it wouldn't because she could not see anything to be charged on her system and I would have to reschedule a new payment manually. I did not schedule anything on the same day and when I checked my account the next day, the amount was being charged again and returned with insufficient funds again. They canceled my card for that reason. I did not have any payments overdue. They even said that was not justifying reason to cancel my card, and they would do that based on my debit amount with other institutions. However all my payments are on time. I've called them around XXXX weeks ago because I want to negociate my debit and the person who I talked to was really rude, screaming at me and justifying her rudeness saying that I had payments returned because of insufficient funds! I requested that she treated me polite and with respect, but the more I asked, the more she screamed at me with because I had my payment returned. I felt really discriminated by the way she treated me, especially because I'm a hard work person, who works 3 jobs to pay my bills on time, as my credit score shows. I felt humiliated by Bank of America. The way they treat people they can not profit from. They had no reason to treat me like that, I always paid them, at least the minimum amount on my card. What I want now from Bank of America is not the credit card anymore, but the discount on my debit due to my difficult Financial situation. They have already caused damage to my credit score by simply canceling my card. They treated me with discrimination because of my financial situation and you can see that on the phone calls that I believe they have recorded. I want them to listen to the 2 phone calls I had with their associates : The first one in which I asked if I would be charged again and the second one in which their associate treated me aggressively and with discrimination. They can't just do that to people who are going through a difficult time, but paying on time.
Frequently Asked Questions
What is Complaint #7563181 about?
Complaint #7563181 was filed against Bank Of America, National Association regarding Credit card specifically about Closing your account. It was received by the CFPB on 2023-09-17T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.