Consumer complaint received 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
Bank of America took advantage of me at a time 'where every company in America was helping everyone else out. I am a XXXX XXXX XXXX who was effected tremendously by the Covid-19 Pandemic. as the owner of a XXXX XXXX XXXX XXXX i was out of work from XX/XX/2020 until about XXXX of this year. i notified all of my credit cards/mortgage company of this and each and every one of them including bank of America put me on the Covid relief program where i didn't have to make payments if i was unable to but this wouldn't effect my credit until i was able to get back on my feet. 
With each program they ended after 90 days, so back in XXXX I was notified I needed to update my status and let BOA know if i was back to work. I wasn't at this time so after this call i was put back into another relief program or extended as they call it. so fast forward to Late XXXX this past year. i was forced to sell my house due to the pandemic and work not coming in and not being able to gather all funds from previous months skipped due to the pandemic. i notified all my creditors that i was selling my home and i was going to be using the profits to pay my debts. everything was great until I contacted Bank Of America. To my surprise i was informed that my credit cards were closed. I was told that there was a form I needed to sign in order for the extension to take place. I didnt receive any notification stating any of this or that my account was past due. All along I thought I was protected. This scenario effected me in ways i never imagined. When i sold my house i learned my credit score for the first time in my life was in the low 570 's because of Bank Of America. I was unable to establish living due to this and was forced to move in with family until I could fix my credit issue. 
This scenario hurt in many ways especially with my credit but also because i worked for Bank Of America for 14 years. One of the Two credit cards which was closed first but wasn't actually later on payment than the other was an associate credit card which was grandfathered and had a low rate which was fixed and will never be available again. Never in my life was i late with payments i always established a Overall Respectable credit score I worked so hard to establish. At a time where these big banks should be helping those who were effected by the pandemic such as myself they did the complete opposite. They took advantage of me at a time where I was hurt most. I did my part i made calls and even after the fact have gotten in contact with BOA and I am unable to get any assistance they just put the blame on me. I don't understand how to start this program I never once had to sign a form but to extend it I did. I never received the form. I also would never not sign something that would benefit me there was no downside to this. Its not right what Bank Of America did to me and even worse they don't care to listen. They could see my credit history and payment history I had these cards for over 13 years. they are to big to care about the little guys and its not right because this has really effected me in more ways than one.

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