Product: Credit card

Dear Sir/Madam I am a tourist from XXXX, and in XX/XX/XXXX, I applied for a credit card at BOA in LA. Upon receiving the card, I promptly activated and used it. However, upon returning to XXXX later that month, I did not receive any bills or instructions on how to set up automatic payments. Consequently, unaware of any outstanding balance, I failed to make any repayments. It wasnt until XX/XX/XXXX, during my visit back to BOA XXXX XXXX XXXX, that I learned about an outstanding balance of nearly {$40.00} on my credit card account, which had since become inactive. 

With the assistance of a bank staff, I settled the outstanding balance at the branch and closed the credit card account. Due to the XXXX pandemic, I did not return to the United States XXXX XX/XX/XXXX, when I reapplied for a credit card at the XXXX XXXX XXXXXXXX XXXX BOA XXXX only to be informed that my application was rejected due to poor credit history. XXXX personnel suggested that the rejection might be attributed to the past incident of credit card delinquency and advised me to wait a few years before reapplying. 

In early XXXX of this year, I received a sudden phone call from a banker at the XXXX XXXX branch informing me of an offer from BOA inviting me to apply for a new credit card with a cash reward. XXXX weeks later, when I visited the branch to proceed with the application, the banker informed me that the previously mentioned offer had disappeared and, to my shock, informed me that there was still an outstanding balance of {$42.00} on the credit card account opened in XX/XX/XXXX. 

What astounded me even more was that according to BOAs records, the credit card account was closed by BOA on XX/XX/XXXX, despite the first billing cycle not even being completed until XX/XX/XXXX. This means that the account was closed by BOA after just XXXX months of delinquency, with no calculation of overdue fines or interest. Moreover, the outstanding balance remained fixed at {$42.00} from the time of closure until now. 

From XX/XX/XXXX until now, I have maintained several savings accounts with BOA, and aside from the inability to travel to the United States during the XXXX pandemic, I visit BOA annually to conduct banking transactions without ever receiving any abnormal notices regarding my personal accounts. Bank staff also never informed me that there was an outstanding balance on my credit card account after it was closed. 

This sudden revelation has not only prevented me from applying for any credit cards but has also severely damaged my personal credit, with consequences that will continue to affect various aspects of my life for years to come. In a credit-based society like the United States XXXX this is nothing short of a disaster. I firmly believe that this situation is entirely due to the banks grossly irresponsible actions and is completely unacceptable. Therefore, I am formally lodging a complaint and requesting that the relevant financial regulatory authorities promptly investigate and address this matter. 

I trust that you will take this matter seriously and take appropriate actions to rectify the situation. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX