Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sign up for a bank of america credit card after receiving an offer from them, this offer include XXXX annual fee. But a year later, they charge me an annual fee against their term and condition, but this is just a start of a series of fraudulent charges and actions that cause problem for me as their customer. 
After that annual fee charge against term and condition, I decide it was best to pay off the balance to XXXX on my bank of america credit card to close my account as I do not want to deal with a bank that do not respect their own term and condition. So I pay off my balance to XXXX   on XX/XX/XXXX. however, their automatic payment which is supposed to charge a minimum payment if customer owe them money charge me a {$25.00} on a XXXX balance bringing my account balance to negative, which essentially means they owe me money. then they charge me interest on money they owe me, and then they process a returned payment fee of {$25.00} on a fraudulent charge with they could not charge me on a XXXX  balance, then they process another returned check fee of {$25.00}. Essentially, they tried to rob money on a XXXX   balance account and when unsuccessfully doing so, they continue charging me fees for not able to charge fraudulently. 

These fraudulent charges were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX respectively. then what is even more ridiculous is they locked me out of my own online account, refusing to let me log in to view other transaction. then because of their fraudulent charges and they refuse to correct their mistake, my account has a positive balance even though the true balance is they owe me money on a XXXX  balance account. 
What I did not know is after this, they close my account and send incorrect information to the credit bureau saying my account was delinquent even though they mistakenly charge me money and they owe me money, not the other way around, so not only was I not late, but I was fraudulently charged by bank of america who owe me money, this happened over the course of a few months without me knowing because it is incorrect action on bank of america after logging me out of my bank of america online account drop my credit score by over a hundred points, which would take years to repair. I submit a consumer complain here previously and they responded telling a lie that they did not do any fraudulent charge and completely fabricate a story about the charges which is completely different than what was shown on the account. 
Not until six months later in XX/XX/XXXX, and drop of over hundred point of credit score dropping and damage on my credit report that they accept that their charge is fraudulent, and pay me back to a XXXX balance account, at least that is what their representative told me on XX/XX/XXXX phone conversation today. However, at this point, my credit score has been damaged substantially by mistakes and fraud charge on bank of america, and they still refuse to fix this with the credit bureau as well as remunerate and reimburse me for the hours they wasted of my time for their incompetence and deception and fraud charges, as well as the damage on my credit score that they did.

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