Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My ex-husband, the account holder of a professional association credit card he obtained through the XXXX XXXX XXXX, in the late XXXX, has been unsuccessful in removing my name from the credit card account. 

He and I divorced at the end of XXXX. As a part of the divorce agreement, I immediately paid half of the balance on his XXXX credit card. In early XXXX, both he and I followed Bank of America 's instructions to complete, sign, and return a bank form to have my name removed from his professional association credit card account. 

BOA refused to remove my name from the credit card. This refusal has become a pattern. We jointly sent a second identical form. BOA refused to remove my name. I sent a certified letter to BOA in the spring of XXXX requesting that the corporation remove my name. BOA ignored my letter- no action and no reply. 

Early in the month of XX/XX/XXXX, My ex husband spoke on the phone with a BOA customer service representative. There were several long waits. Finally, the customer service representative said BOA would remove my name but we both needed to sign a form ( the same form we submitted twice in the past ). My ex husband was told the required form would be mailed to him. Instead, he received two bank forms that had nothing to do with the removal of my name from his credit card account. One was to add a co-applicant. The other form was to add a authorized user!!! 

Frustrated, he called called again and experienced a set of contradictory responses. He was told at first that we would both have to go to a bank to sign their form ( the same form already submitted twice ). Finally, BOA informed him that the credit card was never a jointly held credit account. Instead, I had been added many many years ago as an authorized user only. Therefore, I was never a joint-account holder. None of the paperwork was necessary -- only his request for removal. 

Therefore, it was never a complicated matter for BOA to remove my name at his request. One can only conclude that BOA would prefer to maintain parties on accounts to protect the company should one or the other default on debt. BOA informed him right then and there, while he was on the phone with them, that they removed my name from his XXXX credit card account. BOA provided him with a reference number to confirm the bank 's action. 

Reference # : XXXX Further, the customer service representative stated that a letter would arrive in the mail to him to further confirm the removal of my name from his Bank of America XXXX XXXX XXXX Credit Card. 

The confirmation letter did not arrive. Moreover, his credit card is still reflected on my credit report. Even more unbelievable -- at one point, I actually followed XXXX XXXX 's procedure to dispute a card by providing the requisite documentation to prove that I had met my legal obligation and that my name was to be removed per court order. I submitted this complaint to two credit reporting agencies via XXXX XXXX. Not surprisingly, both credit reporting agencies found in my favor and stated the next step was to submit the documentation to Bank of America for action. I never heard anything from Bank of America regarding the submission through XXXX 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