Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 BOA unfairly closed my credit card account on XX/XX/XXXX. I am attaching the letter that mentions the two reasons : History of returned payments Recent balances in relation to your credit line are too high. 

The two reasons rest on a {$12000.00} payment that I attempted to make on XX/XX/XXXX over the phone. The customer service agent took the wrong information. I told him my ABA XXXX ACC XXXX. The agent took the ABA correctly. But he mistakenly removed XXXX digits XXXX from my ACC bank account. He wrote XXXX. 

I ask you to investigate and ask the bank to deliver the recording of that day so that you may corroborate my version of events. 

That payment took until XX/XX/XXXX in process until it was finally returned. I must note that this was the first payment returned in my account ( the plural of History of returned payments was not true ). During those 9-10 days of processing, BOA gave me availability of those funds from the payment I had submitted. If my balance went above my credit line, it was due to the bank 's decision to approve my charges. Still, as soon as the check was returned, I made the payment for the same {$12000.00} using the online payment, allowing the balance to drop below my limit. 

I am aware that BOA claims that the reason for the returned payment was the ABA I used. My bank gave me that ABA when I opened my checking account, and it remains valid ( XXXX XXXX  was acquired by XXXX ). So valid that on XX/XX/XXXX, just 3 days ago, I made a new payment to BOA with check # XXXX ( the same XXXX and XXXX that I used for the XX/XX/XXXX payment ) and my XXXX bank already paid it. Additionally, the BOA online service has used that same ABA for hundreds of payments for many years. And I use that ABA on all my other cards and accounts and have never had a problem. 

The reason why I realized the Bank 's mistake was that on XX/XX/XXXX I made a new payment over the phone, and for the second time, this time a female in customer service took the wrong informationsame mistake. Of course, the check was returned. This time, luckily for me, when I made the payment and gave the numbers to the agent, I took the precaution of recording my voice. 

I ask you again to clarify this situation asking the bank that last recording. 

I have called many times to BOA. Nobody wants to take responsibility. They prefer to transfer and transfer the phone call to all departments. Hours and hours invested in this. Not to tell the emotional cost of being treated unfairly. The abuse, however, does not stop there : First, I used to have XXXX WorldPoints, equivalent to {$4200.00} dollars in rewards. They eliminated them. 

Second, BOA has unfairly charged me finance charges for the XXXX payments returned due to its error. In fact, if they had taken the correct information, I would not have paid finance charges because I used to pay the balance in full, but due to their errors the first month ( XX/XX/XXXX ) they raised interest by {$900.00}. Not to tell the following months. And not to mention that for the XXXX checks returned due to the bank 's error, they charged me {$43.00} and {$49.00}. I wonder why I have to pay finance charges for bank errors.

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