Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I am writing this letter because of the unfair treatment that I received from Bank of America. I have 1 checking and 2 credit card accounts ( one ending in XXXX and the other ending in XXXX ) with Bank of America. On XX/XX/XXXX, I received a letter stating that both of my credit accounts were closed due to " Irregular transactions or other activity on one or more of your accounts, with us and or/affiliates, or on your credit profile ''. The reason provided on the letter doesn't make any sense, because I couldn't possibly have any irregular transactions, since I haven't used one of my cards for a few months and the other card 's balance is less than {$300.00}. I contacted the bank to find out what the reason was and they provided me the same vague answer as it was stated on the letter.I was transferred from customer service to maintenance department to credit landing department. I spoke with 3 different people including a manager ( XXXX XXXX ). I asked her why my accounts were closed and she kept giving me the same vague answer, and when I asked her to provide me more information she stated that her answer will not change if I ask the same question over and over again. I then, asked her to transfer me to a different person or a supervisor she stated that she is the highest person in the department and the only person that I can speak to. I then told her that one of the customer service  representatives told me that the bank asked me to provide updated information, but I never did. I TRIED TO EXPLAIN HER THAT I NEVER RECEIVED ANY LETTERS ASKING ME TO PROVIDE ADDITIONAL INFORMATION BUT SHE SAID ITS NOT THE BANK 'S FAULT AND THEY CANT DO ANYTHING ABOUT IT, ONCE THEY SENT OUT THE LETTERS ITS THE POSTAL SERVICE 'S JOB TO GET THE LETTERS TO THE INDICATED ADDRESS. I asked her to give me the date of the first 2 letters and she stated that the letters were sent on XX/XX/XXXX. I then explained to her that's NOT POSSIBLE because the letters that I received regarding my closed accounts is dated as of XX/XX/XXXX. She was very rude, disrespectful and from the beginning didn't try to help me to resolve the issue. I tried to explain that closed accounts will effect my credit history and If I can do anything to solve this issue I will. She stated that she can't do anything and that the bank doesn't take into consideration the client 's credit record when they make their decision. I have been a client with Bank of America since XXXX and never had any issues with them nor a late payment. I am trying to resolve this issue and have them reverse the decision but was never given a chance to submit additional paperwork for an additional account review. At this point, I don't want to continue with the complaints even though I received humiliating treatment from two of the employees from the credit card review team. All I want to do, is to have someone review this decision again and give me a chance to provide the additional information, since I never received any letters from the bank. In addition, I would like to see the copies of the letters that were sent out to me asking for more information so that I can see the DATES ON THOSE LETTERS.

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