Consumer complaint received 2022-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America account : Account is closed so I only have last XXXX of account number ( that is all that is sent on email and I cut up card - so I can not provide full number unfortunately ) 1- I called to close the account in early XX/XX/2021 ( I believe XX/XX/2021 ). You can not do this online. I had balance of around {$550.00} and this was paid. 
2- I assumed account was closed, I stopped receiving monthly account statements ( which had always been sent by email - no change in email address or home address ), had NO communication from company 3- XX/XX/2021, received email of monthly account statement that looked like they had previously. IT stated I had payment due of {$70.00}. No phone calls and no contact of any urgent nature, simply a monthly statement. Actually didn't even mention about anything outstanding. I thought it might be some scam as my account was closed for months ( I thought ) and I had not used the card ( had cut it up ) so I called the company. 
4- After countless communication with them, it was determined that they do have history of me calling to close the account but it was not closed. But yet they seem to have documentation of what day I called to close it as they were able to tell me the exact day I called. I am told it was only officially closed because I didn't make a payment for 3 months, yet I received no statements or communication and they can not provide any documents to show that they tried to contact me ( because they didn't try ). 
I am told there was still a remaining {$70.00}. They can not explain why nobody contacted me by mail or email for 4 months or how I would have been able to close an account with a balance. 
5- I gave them my bank routing information to withdraw the balance directly from my account. On XX/XX/2021, an amount of {$70.00} was deducted from my account ( check # XXXX ) and I was told that any filing of bad debt would be corrected. 
6- Today I have again received notification by email that I have a {$72.00} dollar outstanding balance on this account. I have no idea where the money went that was deducted from my bank account 7- I see today that my 20 year credit ( typically was around XXXX score ) has dropped from " exceptional '' to " good '' as is now XXXX due to an outsiding debt and this just occured ( per the graph ) in XXXX XXXX at time they suddenly sent me a statement 8- My contact has been XXXX XXXX at Bank of AMerica ( he was person this was escalated to ). Call XXXX and they will connect to him or can leave message. 
I AM NOT SURE HOW TO CORRECT THIS AND MY FINANCIAL HEALTH AND YEARS OF EXCELLENT CREDIT HAS NOW BEEN AFFECTED DUE TO INCOMPETENCE IN THIS COMPANY. PLEASE ADVISE ON WHAT I SHOULD DO, i BELIEVE THIS TO BE ILLEGAL. 
Thank you!

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 monetary relief