Consumer complaint received 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked travel on XXXX XXXX website. During the checkout process, I agreed to apply for a teaser credit card that offered a credit back and travel points. I was approved. For many weeks, I looked out for the new credit card to arrive. At this time, it is either lost in the mail or lost at the postal office. The problem is that I did not get a telephone number from the credit card which I applied for or remembered which institution backed the card. For months, I been receiving a series of unidentified mail that DID NOT IDENTIFY WHOM WAS SENDING THE MAIL. The mail appeared to be junk mail/spam, and because of such, it was NEVER opened. On XX/XX/2018, I retrieved out of the mailbox a letter from XXXX   XXXX XXXX attempting to collect a debt. I called the company XXXX  XXXX XXXX and informed them that I did not owe them anything. They told me to go to one of their banking centers to verify the debt and at that time, I took the mail that I was now looking at seriously, instead of for an attempt to scam me. I sorted though past months of junk mail and saw NOTHING from XXXX  XXXX XXXX. I began to open up mail that had NO SENDER information on it. It only had an post office box of XXXX XXXX XXXX, XXXX DE XXXX. The mail exterior appeared to be JUNK mail soliciting for something and scam mail. I called XXXX XXXX XXXX debt collection back and had matter escalated to XXXX  ( a manager ). XXXX AGREED AND SAID THAT SHE IS AWARE THAT THEIR MAIL APPEARS TO BE JUNK MAIL. I told XXXX that I wanted to close the account which I did not receive a credit card for, pay for the amount that was originally charged, asked for the late fees and interest to be removed, for the credit bureaus to be updated with the removal of late payments, and a letter of satisfaction immediately upon payment of owed debt. XXXX said that she could NOT do so but I had to call back in later after payment was received. I originally charged {$120.00} on the card. I did not pay much attention to the fact that there was a {$59.00} annual fee. The late charges totalled {$100.00} and interest totalled {$65.00}, which totaled {$350.00} I communicated that I would pay the amount at one of their banking centers because I was uncomfortable giving her my bank account information and I didn't have a debit card. I told XXXX that it was only fair for me to pay for the {$120.00} plus annual fee because I was not afforded a FAIR opportunity to identify the mail from junk mail and that my credit and future employment is impacted from the late payments because I am a licensed loan officer. XXXX was unwilling to agree for me to ONLY pay the amounts of {$120.00} ( debt charged ) plus annual fees. She communicated that she can request that {$100.00} be credited back to me should I make a ESTIMATED payment of {$350.00}, which includes the {$65.00} in interest. At no time, did she confirm that she is CLOSING the card out as requested. I also like to note, that prior to being forwarded to XXXX, I spoke with another woman. She typed notes which she read back to me. I told her that SHE LEFT OUT important information, yet, did not appear from how the conversation went to update her notes. XXXX also stated that she was capturing the information. I was left with a huge sense of discomfort. I feel that XXXX  XXXX XXXX intentionally send out their mail to appear as spam/junk mail so that incidents such of this can occur.

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