Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
RE : Bank of America ( BOA ) Credit Card : Card closed without notice, without valid reason & {$130.00} of cash reward money stolen from me. 


I am an employee of XXXX XXXX ; I pay all of my bills on time ; I 'm now in XXXX ; I work 30 hour weeks ; and achieved all of this while managing a XXXX & coping with prior tragic events ; I love the taste of meat but practice as a vegan because I do NOT believe in the killing of animals XXXX XXXX, XXXX XXXX XXXX ', lest ignorance takes the best of you ) ; I am an XXXX conscientious of not wasting any resources. This is my life style because I care and every little bit counts. However, I continue to be disappointed at the people we place in positions of authority, esp. in government facilities that, in theory, should be acting in the people 's best interest. 

Something to mull over : every time a government employee/representative/senator/etc., opts for the status quo & /or ignores unscrupulous behavior from corporations and the like, they are not simply selling out the people who voted them in that position, they are choosing to sell out their loved ones - their own children, their spouse, their mother and father, their friends, etc., because we are all affected, and the sad truth ( which lends to the status quo ) is that the majority of persons in the U.S. are unable or unknowledgeable on how to protect themselves, what their rights even are, and how to combat apathetic negligence and unlawful activity. 

The Fraud, Unscrupulous Misconducts, Hindrances of Honest Citizens ' Rights, & Impunity of Theft by the financial industry continue. 

My mle ... 

XXXX XX/XX/XXXX opened a Bank of America credit card ( my credit score was XXXX ) with a line of credit of {$5000.00}. 
Made XXXX transaction of approx. {$3000.00}. 
Paid EVERY bill on time - early every month, and more than the minimum payment. 
- HOWEVER, while out of town I was denied while trying to put gas in my car. I never carry cash & had no other credit cards on me. I called Bank of America and was informed my credit card went through an " annual review '' and was closed a week ago. 
I was never sent ANY notice via email, phone, text or postal mail - NOTHING! 
All my accounts were in good standing at the time. 
BOA refused to reconsider, all the while ; I had a 2-hour drive home at night & only XXXX tank of gas - because, well, who gives a XXXX if my account was in good standing and I was paying BOA for a service that they had no legal or contractual basis to discontinue. 
Moreover, I had accumulated {$130.00} in rewards cash, but was unable to retrieve that money - BOA claims that I lost the reward 's money due to my account being closed. 
The primary reason I opened this BOA card was for the rewards, that BOA incessantly bombarded me with via promotional offers in the mail. 
Furthermore & most importantly, how does this NOT violate the XX/XX/XXXX Credit Card Accountability Responsibility & Disclosure Act? 
- Specifically ... " Credit Card issuers MUST notify you of a rate increase- or ANY OTHER SIGNIFICANT change in terms to your credit card account - at least 45 days in advance of the effective date. '' Personally, it seems we must look out for XXXX-another to protect ourselves ; therefore, I will initiate a lawsuit and through XXXX expose the corrupt policies of BOA. I will also win this suit and force the statute that legislation initially intended. Why must I take on this battle? Because it seems the individuals we place in the position to do so are more concerned lining their campaign pockets than protecting their own children, spouse, mother, father and other loved ones. Shame on them, Shame on them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation