Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 discriminately closed my Bank of America credit card account. B of A has treated me poorly because of my age. This is elder abuse. I have a long history of paying my balance in full. There have been issues with USPS mail delays and COVID. 

On or about XX/XX/XXXX, after speaking to a Bank of America representative, the B of A representative agreed to waive {$59.00} once a payment of {$2400.00} was made to the credit card account. A payment of {$2400.00} was made at a B of A ( ATM ) the same day of the agreement in XX/XX/XXXX. B of A failed to credit the late fees and interest fees. 

Since XX/XX/XXXX to XX/XX/XXXX, Bank of America has nickeled and dimed me on the {$59.00} late fees and interest they promised to waive. The fees were also disputed in XX/XX/XXXX. 

Bank of America has discriminated against me because I am elderly. They have ignored my dispute and B of A is refusing to follow through on their promise to waive the fees. This is wrong. They refuse to notate the account properly with our agreement. 

When I call B of A to remedy this injustice, I am routed to B of A collections department who deceptively gives me wrong information. First, they say they can credit the account but then turn round and say they can't. This mental and emotional abuse is overwhelming that I must seek the help of my children. A person in collections who identified himself as XXXX XXXX ( if that's even his name ) repeatedly lied and refused to answer questions, speaking over my daughter. I couldn't believe what I was hearing on the speaker phone. 

Bank of America refuses to follow through on our agreement and promise to credit {$59.00} back in XX/XX/XXXX and instead charging additional erroneous fees. I am likely not the only elderly person B of A is abusing financially. Can you imagine the elderly people who have no one to advocate for them against B of A shenanigans? This is wrong.

B of A also discriminated against me by reducing my credit limit by {$20000.00}. for no reason and then closing my account! This is criminal. 

The reason they gave today XX/XX/XXXX for not following through with crediting the account is because it's closed. The {$59.00} has now increased to {$66.00} even though it was disputed last year and I was promised it would be waived once my payment was made. Payment was made the day of the AGREEMENT. This is absurd. Instead of waiving the fees as promised B of A charged {$3.00} interest after my {$2400.00}, 44 payment.

I am asking for assistance with these deceptive practices by B of A employees.

1. First, B of A should follow through on their promise to credit the late fees and interest 2. Secondly, open my credit card account they closed for no legitimate reason.

3 Third, reinstate my credit limit they reduced without a legitimate reason.

4. B of A should be investigated for elder discrimination and financial abuse and fined to prevent this form of deceptive practices.

Please assist me with restoring my credit card account, credit limit and fulfilling the promise by Bank of America to waive the fees. 

I have repeatedly called B of A to remedy however the employees are rude and hang up on me and the person helping me. 
Your assistance is greatly appreciated.

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