Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
Dear Financial Protection rep, I 've called bank of America several times as well as written several letters to bank of America to resolve this issue. I 've also spent hours at the bank of America branch in XXXX, VA to resolve this without any success of having bank of America review a call I made to them XXXX XXXX, XXXX @ XXXX XXXX and their admittance to their errors or possibly their intentional deceit to incur additional fees for their gain, which is a crime. 
Order of events of complaint : I canceled all accounts ( checking, savings, credit card ) all business with bank of America end of XXXX XXXX. Process of cancelling, physically went into their XXXX, VA branch spoke with a manager ( she was blonde and of some foreign descent, possibly XXXX not sure ). Stated my business that I had moved back to my home town and was putting all of my finances and business back with XXXX where I 've had an account since childhood. I opened up account in Florida with bank of America while I lived in Florida from years XXXX. Manager closed my accounts and informed of number to call to cancel credit card, she did make a small attempt for me to keep credit card but I informed her my interest rate was lower with XXXX plus I can easily transfer money from checking to pay credit card all in XXXX location, which is why I was cancelling business with bank of America but appreciated their services. At this point my credit score is over XXXX because I 've always taken care of my debts and will always continue to as you will clearly see here. 
I ensured all credit debt was paid and canceled and all business with bank of America was in good standing. 
Then, I received a bill from bank of America in the middle of XXXX XXXX. Knowing I did not have any accounts open with bank of America, I called them to report fraud on XXXX/XXXX/XXXX at XXXX XXXX, providing him with the information from bill. The representative checked my closed accounts, confirmed accounts were closed and stated I did not have any charges or debt, his words " balances show zero '' The following few months, I did not receive anything else in the mail until XXXX/XXXX/XXXX from a debt collector, XXXX XXXX XXXX, representing bank of America. Therefore, I called Bank of America back to fix the fraudulent charges on XXXX/XXXX/XXXX at XXXX XXXX. I patiently tried to inform XXXX different reps of the situation and not XXXX rep helped to rectify the situation or take initiative to get me to the correct department to resolve charges on a closed account. Not XXXX rep reviewed the call, they each wrongfully decided to accuse someone who had an XXXX credit score over a {$200.00} charge. bank of America has wrongfully used my old credit card account after it was closed in XXXX XXXX ( bank of America admits all other accounts were closed at that time ). They also admit that closed account had not been used for six months at all, up until they accepted a charge from a company I do not accept charges from because I have not received any services from. So, I wrote letters to them and they 've replied that they have no record of phone call on XXXX XXXX, XXXX ( straight up lie ). I 'll attach a copy of phone bill which shows proof of the 20 minute phone call which will make it very hard for them to deny to you or the court. Their letter states they are not in any error and they claim that I am responsible to pay the bill plus fees. My arguments : first, account was closed XXXX of XXXX. So I should owe nothing. I can not prove that I closed account so, Second argument, I called on XXXX, where their rep incorrectly informed me of charges. If, I was informed in XXXX of charges, we could have contacted the company which originated {$220.00} charges for the year of their service and at most paid pro-rated 4 months ( about {$73.00} ) of services never used, if could n't back out. Bill is now over {$500.00} due to boA error and fees.

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