Consumer complaint received 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2023 Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom it May Concern : Dear Bank of America , I am writing this letter to request my account and Bank of America Credit card get re-opened and remain opened and my great relationship with Bank of America to be re-opened and remain opened. 

Credit cards needing to be re-opened and remain opened : XXXX. Bank of America XXXX XXXX Credit Card XXXX With gratitude, as a loyal Bank of America active member with multiple years of great business with Bank of America, I need my Bank of America credit card account and great relationship with Bank of America to be opened. I have never missed a payment, have always paid in full or even extra than the statement amount, and have been exemplary in this. This is evident by the continuous negative balance as I have always paid my card in full. 

In the past 3 years or so, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get a new account number as someone was gaining access to my account and me misplacing my wallet. I was told it was an error but still have not gotten my card re-opened yet due to this error. 


Additionally, I never reported any fraudulent charges or activity at all and have always reported that my charges are valid. Someone in your department possibly misheard me and made a mistake that affected me negatively but I am willing to move forward from this as you re-open my credit card and avoid closing it or revoking it. 


I have contacted Bank of America several times through phone and sent multiple letters but no one has responded to me. Customer service, fraud department, and other departments just bounce me around. 


In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my account leading to someone closing my account in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone gaining access to my account and me misplacing my wallet. I had not even gotten the chance to use my card fully which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a {$17000.00} credit limit on my credit card ) and will overall hurt my credit really badly so I want to avoid this. Moreover, due to this, I am unable to apply for a new credit card which I need for my travel, subscriptions, and medications. I am also traveling soon and will need my credit card. 

I have talked to countless representatives and associates even going directly to the bank but I have had no luck so far and no one has been able to help me. I am confident that in writing to you, I will get this resolved quickly and smoothly and get my Bank of America credit card re-opened promptly and I am very appreciative of this matter. 

I have developed an action plan and I pledge to you that I will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this miscommunication and instance will never happen again, as I have took the proper measures to secure my accounts and identity. I also placed extra security including security alerts on both my social security card and the credit bureaus, changed my passwords to make them more secured, placed 2-factor authentications, and removed any authorized users. I am also happy to oblige and comply with any further action plans that Bank of America may want to ensure my security for my Bank of America credit card account moving forward including but not limited to any additional security measures you can work with me to ensure my accounts are safe and secure. 

As I have been, I assure you my credit card accounts will remain secure, satisfactory, safe, and, I assure you, there will be no further miscommunication or misunderstandings as I have now placed all the necessary security measures to avoid this issue happening again. I pledge to put forth great effort to establish a clear relationship and maintain the security of my credit card accounts. I pledge continue to abide by all of the rules, regulations, and policies of Bank of America. 

I would like you to please consider all of this, please consider my lengthy great relationship with Bank of America, please consider my personal outreaches and efforts, to get issues resolved ahead of time, please consider my excellent history including payment history, and please consider the negative impact this errored closure has been making on me and will continue to make on me including my credit, my medications, my purchases, my travel, membership and purchases, and others all due to this error that could have been prevented and I feel this is unfair, and please re-open my Bank of America XXXX Rewards Credit Card and send it overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I am highly appreciative of your time and of you re-opening my credit card and sending me a new number. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Bank of America. 

Thank you for your time, understanding, patience and thank you for re-opening my Bank of America credit card. I am highly looking forward to my credit card getting promptly re-opened and me resuming my loyal secure credit card relationship with Bank of America again. 

Warmly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Cell Phone Number : XXXX Social Security Ending : XXXX

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