Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint is against Bank of America credit card 's collection claim in my credit report. I have repeatedly disputed this negative account and BofA insists keeping the claim, as if I would owe them anything. 

I am not responsible for the balance in this account, since I have never used it. I have never made any purchase, withdrawn or transferred any money from this account, as I have never initiated, ordered or otherwise caused in any way, any transaction on this account. The entire balance and activity in this account, corresponds to endless series of maintenance and service fees that BofA accumulated over the four years following my call of XX/XX/XXXX, where I requested all my accounts ( checking and credit card ) with them to be closed, since I was going out of the country. 

I was surprised to see this negative account in my credit report, since I have never used this credit card. As a matter of fact, I had thought I would take a look at my credit report, to see what is wrong, after applying and being declined for a Bank of America credit card. I could not understand this negative account since all the activity in it took place during the years I was out of the country. I had called BofA in XX/XX/XXXX requesting they close my accounts. However, clearly, that did not happen. Instead, it turns out BofA started accumulating maintenance and service fees, from XX/XX/XXXX until XX/XX/XXXX, when they got the point I was not there anymore and finally closed the accounts. After I now discovered the negative account in my credit report, I requested statements of those years, to see what happened. I only received statements from XX/XX/XXXX to XX/XX/XXXX, but It turns out BofA was moving money back and forth between my checking account and my credit card and charging fees along the whole process. During the years I was out of the country, BofA was charging maintenance fees on my checking account, this causing overdraft protection from my credit card, followed, the next month, with an automatic payment of the resulting credit card bill, from my checking account. Going over and over again, month after month from XX/XX/XXXX to XX/XX/XXXX, these BofA XXXX were able to accumulate over {$1500.00} in fees that now say I owe them. I do not agree. It is not acceptable BofA is demanding I pay them over {$1500.00} in service fees, when I was not receiving or using any service. Not only I did not request any service, but I did requested they stop all services. I am not liable for these service fees. Bofa should have closed the accounts when I ask them so in XX/XX/XXXX. 

When Bank of America keeps this negative account in my credit report, they are hurting my credit and making a statement I am not financially responsible and do not keep my financial commitments with my lenders. That is strictly false and bank of America are the last ones to say such thing : They are trying to rip me off getting over {$1500.00} in service fees, for a service I did not request, rather I requested to stop. I was not using any Bank of America service and no Bank of America service was doing anything for me. I was simply not interested in any Bank of America service : I was out of the country! I do not owe anything to Bank of America. They should stop hurting my credit and remove this negative account from my credit report.

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