Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of this year, I was diagnosed with XXXX XXXX and possible XXXX XXXX. In an effort to reduce my debt ( I had no idea how much work I would miss ), I paid off a secured credit card. I took {$2000.00} and paid it off and the person I was speaking with on the phone told me she would cancel the card. Since I had just had TWO XXXX and was not thinking clearly, as I would have under normal circumstances, I said, Okay. 

Fast forward to XXXX. I had just gone through TWO XXXX XXXX and was getting ready to start 6 weeks of XXXX5 days a week. One day, during a break in my XXXX XXXX it occurred to me that Id accrued thousands of points on my card. I called customer service to redeem the cash the points represented and was told : 1 ) I had 2 months after closing the account to redeem the points and it was a few days past the 2 months. I explained the whole XXXX XXXX thing and was told he would work on it and would call me back in a few days. I didnt get his name. He called back and said he could get me my redemption ( a little over {$710.00} ) but they had to credit it to my card and since the account was closed, I should just get another card and they would apply the money to that card. I applied twice ( the first a non-secured card, the second a secured card ) and was denied both times. 

2 ) I called customer service again in an attempt to get my money and was told that since the bank closed my original account, I couldnt. I asked if I had closed the account, would I have been able to get the points now. She said, Yes.
3 ) I made an appoint at my local branch ( XXXX XXXX, XXXX XXXX, WA ) to get that changed to my decision to close the account so I could get my money. At the bank, I was told the MINUTE the account was closed, I forfeited the money.
4 ) I have subsequently received 2 letters from BOA asserting that I couldnt receive the money Id accrued because it was forfeit the moment the account was closed, regardless of who closed it.
So, as you can see, Ive had several stories of what happens to MY money after an account is closed and the bank finally settled on the one that denies me my money. I spent a lot of money accruing that money and they reneged on what is mine.
So here we are. I have an account at BOA ( corporate ) into which they could deposit the money -- -but they cant. 

I have exhausted all my methods except you and picketing. As an aside, XXXX XXXX ( before it became BOA ) in XXXX was the FIRST bank in the nation to stop redlining as an official practice. That was where bank bigwigs would draw an arbitrary line around neighborhoods ( think minorities ) and just not loan money for housing or remodeling there. They stopped the practice because I put pickets on them until they stopped. I am willing to hit the streets again with my friends, but hope that you will take up my cause instead. Im still kind of tired from the XXXX! If not, I 'll post all our picketing -- several branches -- on social media. 

Thank you, XXXX XXXX XXXX ; XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation