Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Back in XX/XX/XXXX I spoke with a Bank of America Rep and asked for a new Card to be sent as I have misplaced my card. Card never showed up and I didnt make an issue of it because the COVID 19 pandemic hit a few days later and there was no use for the card. In late XXXX I checked my credit score as to start inquiring about refinancing my home and in disbelief I saw that I had 6 late payment with Bank of America ( this d to of been a mistake as I was on autopay and never received any notice from Bank of America, not in writing, email, or phone call. In XX/XX/XXXX I called to Bank of America To inquire into why this was happening and after countless hours they informed me that they had the wrong mailing address, wrong email address and NO telephone number on record ( this would explain why I didnt get my new card or any correspondence ). On that call I agreed to pay {$5000.00} to make the account current and they will credit me all the late payments and fees and contact the credit bureaus about the mistake.Which they did!! 10 days later Bank of America withdrew from my bank an additional {$4600.00} WITHOUT MY AUTHORIZATION. I called up and asked to speak to a manager and he told me it was yet again another error on behalf of yet another Rep and that he can put in a request to have that money returned to me.At that point I figured just to let them keep the funds and deduct off my account. 
On XX/XX/XXXX the delinquencies came off my ( XXXX  ) credit report ( still waiting on XXXX  and XXXX  ), I called Bank of America on XX/XX/XXXX to discuss restoring my line of credit because it is showing closed on my credit reports and is negatively Impacting my Credit due to being over the limits of my overall credit. ( In other words due to the fact that Bank of America made all these mistakes My credit eventually took a huge hit regardless of the delinquencies being reversed ) I asked several Reps to restore my Credit card and they all told me that unfortunately they can not do so. ( policy ) They told me to reapply, but I argued that Reapplying would be a problem because my credit is over the limit due to this situation, They told me that its noted in their system and that a credit analyst and underwriter will review the entire history and CRM notes while making theirDecision. So as per Bank of Americas Suggestion I went online and applied for a new card, and was turned down almost Instantly! No one looked at the records, history, complaints, mishaps or CRM notes.

Bank of America Fraudulently charged my account {$4600.00} without permission, had the wrong mailing address, billing information, email address and telephone number. They admitted to it all but now that I am asking them to restore my line of credit in order to repair my damaged credit due to them, they are giving me the run around. Its currently Monday the XXXX of XX/XX/XXXX and Ive been on the phone for hours with them, and now that Ive asked to speak to a supervisor I am on hold for already 46 minutes and counting!!! Unethical, Illegal and Immoral!!!!! I can not apply for any new credit due to this nor can I take
advantage of the low Mortgage Refi Rates due to this.

Company response to consumer: Closed with explanation