Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hereby affirm and declare, and I also swear under oath, the accuracy and correctness of my words and the entire content of my letter and description as a whole. 

My detailed explanation from XX/XX/XXXX. 

Bank of America illegally and fraudulently withheld additional fees from me several times after my bank account was closed on a secured credit card that I opened and received from this bank in XXXX. Before closing my account in this bank regarding my secured credit card, I specified what balance I had on the date of closing the account, they called me a small amount that I paid at XXXX, after which my account was successfully closed. But after that, within a few weeks, I received a notification in my email that I had an outstanding balance. I also paid for it a second time. A little bit later, about a month later, I also received an email about the debt on my bank account, I had to close it a second time. After a little time, I found out about another debt on my account. I did not pay this debt for a long time, because I believed that this was a mistake, fraud and illegal. Then I called the bank itself several times, waited on the line for several hours and talked to different departments on the phone and explained this problem and the situation. Then I also went to the bank itself, where they opened this secured credit card for me in XXXX. I personally explained to the banker of this bank in this branch at the address : XXXX, New York, XXXX XXXX XXXX, exact address : Before closing my account in this bank regarding my secured credit card, I specified what balance I had on the date of closing the account, they called me a small amount that I paid at XXXX, after which my account was successfully closed. But after that, within a few weeks, I received a notification in my email that I had an outstanding balance. I also paid for it a second time. After a little time, about a month later, I also received an email about the debt on my account, I had to close it a second time. A little bit later, I found out about another debt on my account. I did not pay this debt for a long time, because I believed that this was a mistake, fraud and illegal. Then I called the bank itself several times, waited on the line for several hours and talked to different departments on the phone and explained this problem and the situation. Then I also went to the bank itself, where they opened this secured credit card for me in XXXX. I personally explained to the banker of this bank in this branch at the address : XXXX, New York, XXXX XXXX XXXX, exact address : Address : XXXX XXXXXXXX XXXX XXXX, NY XXXX. Also, this bank even gave me a letter stating that I no longer have debts on the date of my application to this branch. After I still got these bank employees to give me this letter of no debt for the following illegal and fraudulent activities and for issuing additional bills to me. I have filed complaints and opened disputes with all credit bureaus several times. 
In XX/XX/XXXX, I opened disputes in XXXX XXXX, XXXX, XXXX. The second time in XX/XX/XXXX I filed an appeal. Third time in XX/XX/XXXX. In XX/XX/XXXX, I personally applied to a bank in New Jersey in person at a branch. The banker said that she does not see my credit card bank account at all, which was opened in XXXX. I opened a secured credit card in XXXX and Bank of America approved and issued this card to me and set a credit line of {$300.00}. And she's a branch banker at the Bank of America in New Jersey, XXXX XXXX , she can't help me. Then, together with this bank employee, we called the customer service phone number, on the phone I gave all the information about myself, and they also did not help me at all. They also don't see my information, such as my credit card account number. 

Warm Regards, XXXX XXXX

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