Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
XXXX XXXX XXXX, Please know that on XXXX XXXX, XXXX I filed a complaint with the Federal Trade Bureau ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against the collection agency XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ). My reason for filing a complaint against XXXX and XXXX, is because they did not honor the written agreement we had between us. That agreement stated that I hadfive years, at a 0.0 % interest rate, to pay back XXXX XXXX debt. It might interest you to know that, due to my direfinancialsituation in the past, I was forced to make the exact same agreement XXXX 5 years and 0.0 % rate ) with other banks for unsecured debt that I had on XXXX other credit cards.I am now entering my fourth year of religiously making on time payments toward my debt for all my credit cards. However, XXXX is the only bank that has not honored the agreement, I have not had any trouble with the other banks whatsoever. 
The result of the XXXX complaint was that XXXX dropped me and your nice letter gave me a XXXX contact number to follow up with regarding future payments. I called the number many times and left repeated messages but never received a reply. Finally, because I was not able to converse with a live person and I did n't want to be late with my payments, I proactively decided to send my payments directly to the XXXX XXXX account department, even though my account was officially closed andin collection status andI was notexplicitlydirected to do so.ButI had no otherrecourse if I was to maintain my perfect payment record. Furthermore, I was fullyexpecting that BAMwould eventually assign my account to another collection agency. As of now that has not happened. Consequently, for over a yearI have been dutifully sending my payments in-on time-directly to XXXX XXXX. More importantly however, XXXX XXXX has received and cashed every XXXX of my payments. 
For this reason I was completely perplexed and shocked to find out that my XXXX score had dropped becauseon3/22/2016 XXXXhadmarked my account as delinquent.Which, incidentallyand to add insult to injury, only a few days later, on XXXX/XXXX/XXXX XXXX cashed my last payment to the account!! Now I ask you, how can I be delinquent of payment when my check was in fact cashed on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX? Not only was my last check cashed, but so were over a year worth of payments cashed! 
I would like to ask that thiscontradictionbe thoroughly investigated by your agency please. For your review, I am including allpaperworkpertinent to my accountand case with this letter. 
Finally, I would like to make XXXX last point regarding my past debt situation. I was forced to make some very difficult choices because at the end of XXXX my husband was XXXX and no longer able to work. Suddenly, our family ( my husband and XXXX daughters in College ) were forced to live on XXXX income instead of XXXX. Moreover, in order to negotiate a deal with the credit card companies for forbearance reduced payments, accordingly to all the banks, when I called I was told that I first had to default -- against my will -- and stop making payments for 180 days, even though I had a perfect payment record up until then. Most frustrating of all however, is that now -- when I am near completing all my debt repayments -- XXXX comes a long for the second time in roughly a year and tries to ruin myrepaymentrecord for no reason! It is dishonorable and unjust and I hope you will attend to and rectify the situation. 
Please do n't hesitate to contact me at my cell ( XXXX XXXX XXXX or my direct line at XXXX XXXX. XXXX XXXX XXXX XXXX to discuss this matter further. I have tried to contact you and have left messages, but not received a reply, which is why I am now sending you this letter. 
Thank you XXXX XXXX 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