Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe my consumer protection rights were violated by Bank of America and I would like to file a complaint. 
A brief description of what took place, here below : on XX/XX/XXXX, I called Bank of America Customer Service and requested to have my credit card with new expiration date sent to XXXX. I was there working on a project and my card was to expire in XX/XX/XXXX. I spoke to Customer Service Representative and gave him my temporary address information to ship the card to. I was told that everything was taken care of and that I should receive my card within a week. Next day, XXXX, I received an email from Bank of America informing me that my card was sent to my US address. I contacted Bank of America on XXXX and informed Customer Service Representative that my credit card was sent to the wrong address despite my request. While waiting for the Customer Service Representative to check availability of shipping options, all of a sudden I was transferred to a Senior Credit Underwriter. That appeared very strange to me. I was not asking for a credit limit increase nor was I applying for a new Bank of America product. I simply wanted my credit card with new expiration date to be sent to alternative address. Senior Credit Underwriter informed me then that she could not send my card to XXXX because there was an extended fraud alert on my credit. I never placed one. Senior Credit Underwriter also stated that she was not able to verify my identity. That sounded really strange to me considering the fact that I provided both the Customer Service Representative and Senior Credit Underwriter with all the necessary information to do so, including my phone number and email address. At that point I had no choice but to close my account. I was actually forced by Bank of America and/or its employees to close it since Bank of America and/or its employees were not favorable to me and acted to my detriment. A week later I received correspondence from Bank of America, sent to XXXX, informing me about my recent credit request on account # XXXX, letter # : LL XXXX XXXX XXXX XXXX. I was informed that my credit report was pulled and that I needed to call XXXX number to continue processing my request. I did not grant nor gave permission to Bank of America to view my credit. I did not apply for any products and/or services. In XX/XX/XXXX, I received another mail correspondence from Bank of America, letter # : AU XXXX XXXX XXXX XXXX. The letter informed me of enclosed copies of items recently requested. These included account summary and transactions from XX/XX/XXXX - XX/XX/XXXX. There was a new balance total of {$290.00} and the due date was XXXX. I never requested any statements from Bank of America nor had I any balance on the card. I closed the card on XXXX with XXXX balance. I am looking forward to hearing from you soon as I would like to resolve this issue once and for all.

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