Consumer complaint received 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
The credit line account was closed, and I did not receive the proper disclosure nor did I authorize a credit pull which resulted in the company closing the account. Per a phone call with representative XXXX, on XX/XX/XXXX, an uncertified letter was mailed on XX/XX/XXXX after a risk review was completed. The risk credit review determined that my account was closed due to too many balances, and utilization. XXXX also confirmed that the XXXX payment was due on XX/XX/XXXX, {$50.00} was received on XX/XX/XXXX, the statement closing date was XX/XX/XXXX and the account was closed on XX/XX/XXXX. The minimum payment had been met, so " non-payment '' was not the reason for account closure. 

XX/XX/XXXX - Billing Error Notice and exhibits were mailed to XXXX XXXXXXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Department Phone number XXXX, XXXX XXXX  ( collections rep ) contacted me for payment, noted billing error dispute details, and confirmed that they would continue reporting to the CRA despite receiving the billing error notice. XXXX  attempted to transfer me to the credit department but the numbers and transfer attempts allegedly did not work. 

XXXX A representative contacted me for payment and said that a bankruptcy request was submitted but can not be processed due to my needing a lawyer. Bankruptcy was never filed on my end or my account, therefore I feel that my personal information has been compromised in the company 's database, and will proceed with an FTC report. The rep confirmed multiple payments received prior to the account being closed. I requested all full/unaltered documentation of disclosures and my authorization to random risk reviews ( credit pull ) from the rep XXXX along with the notice that was mailed to my address regarding account closure due to a risk review. XXXX explained that because my personal information is on file BOFA has the right to run a risk review at any given time when there is suspicion of a risk. She was unable to provide the risk reason or trigger for the random risk review. I was then transferred to XXXX who was unable to locate any notices/risk review disclosures and advised me to file a complaint about the missing documents. The complaint was submitted by XXXX, and the confirmation number is XXXX. I notified the company that I would not like to receive any calls unless it is to discuss and resolve the billing error dispute and invalid submission for a bankruptcy filing. 

XXXX Billing error notices were mailed again to : Bofa Billing Inquiry Dept XXXX XXXX XXXX XXXX XXXX XXXX Delivered XX/XX/XXXX Billing ( Mistakes ) Rights Dept USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX/XXXX/XXXX As of today XX/XX/XXXX there still has not been a resolution to the abovementioned concerns.

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