Consumer complaint received 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/XXXX I attempt to pay my Bank of America ( BOA ) credit card balance in full of {$5500.00} from a rarely used XXXX XXXX checking account. 
XXXX A statement credit is applied to my account of {$120.00} XXXX Online statement is made available XXXX Payment from XXXX XXXX Checking Account is reversed by BOA, for reasons that are completely unclear. I 've talked to XXXX XXXX ( XXXX XXXX, XXXX ) and no attempt was ever made by BOAto obtain the money and there 's no indication on any of my statements that money was attempted to be withdrawn. This payment reversal is not discovered till XXXX XXXX, XXXX by card holder because of BOA 's subsequent actions. 
XXXX A purchase is made is for {$7400.00}. 
XXXX Credit Card is closed by BOA. 
XXXX I receive letter in the mail telling BOA has decided to cease our business relationship. 
XXXX Online Account is XXXX sometime in this time window. 
XXXX Since I charged {$7400.00} since my last statement, which I believe to be paid in full, but ca n't access at this point, I call BOA and make a payment by phone for {$7400.00}. I hang up the phone thinking I 'm done with BOA for the rest of my life. 
XXXX I never receive any statements or letters from BOA indicating that I owe a balance. 
XXXX I get a call XXXX from FIA card services telling me they want to discuss my account. Well I have no account with FIA card services and the operator does n't tell me that they are a subsidiary of Bank of America. I tell them I do n't have an account with FIA card services. 
XXXX calls again this time they say they 're from FIA which is a subsidiary of BOA. I tell them my account is closed and I do n't have any business with them. Operator abruptly hangs up. 
XXXX I googled XXXX http : XXXX " This is a SCAM - it is NOT Bank Of America, I called them, my cards and accounts are fine - the guy currently operating from that number refers to himself as " XXXX XXXX '' from " The Bank of America XXXX and when you call back you get the " Thanks for calling FIA Card Services '' Hold message ... then, you 'll be connected ... with the same guy, every time, running a SCAM - I reported him, and this number to the FBI - this is NOT Bank Of America FIA Card Services XXXX I call BOA myself wondering if maybe they mistakenly closed my account or something and wanted to reopen it. The operator assured me that BOA would NEVER call about a closed account. At this point I 'm pretty sure it 's phishing scam since the XXXX always calls immediately asking for address to verify my account which I never give them not knowing what I might be giving up. 
XXXX Another call, this time I tell them if BOA if they have anything they want to discuss to send certified mail. They say they 've tried ( which was a lie ) I push the operator farther and she says that they ca n't do certified mail, but wants me to give her my address so we can discuss account. At this point I 'm 99.999 % sure this is a phishing scam because it makes no sense that BOA would n't be able to send certified mail especially since I 've already called BOA. 
XXXX Another call at this point I 'm considering blocking the number. 
XXXX/XXXX/XXXX First mail arrives from BOA since they closed the account. It was not sent certified. It said I owed around {$5500.00}. After some XXXX I verified it was real. 

XXXX/XXXX/XXXX I wake up in the middle of the night wondering if I actually owe BOA money or if there is some mistake I scour my bank statements looking for a payment. 
XXXX After nearly an hour on the phone I find about reversed payment but operator ca n't tell me why. I request statements for the last 9 months. 
XXXX I pay {$5400.00} over the which was the final statement total. I ask any finance fees or late payments fees to be waived since BOA failed to provide a statement and inexplicably reversed a payment before closing my account. 
XXXX BOA denies request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief