Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XXXX/XXXX/XXXX I found out via an alert on my credit that Bank of America Credit Card Division ran a hard credit inquiry without my permission. On XXXX/XXXX/XXXX I contacted Bank of America to dispute the denial of a double post credit card claim in the amount of {$62.00} charged on my card along with a charge of XXXX Reward Points that I initiated on XXXX/XXXX/XXXX. I did n't receive the denial letter until XXXX/XXXX/XXXX. I could not believe the treatment I was receiving over a {$62.00} claim, since I have been a long-time customer and never filed a claim before. After rude and round about conversations with several representatives, I told them to close the card. After consultation with my financial advisor, I was advised to call Bank of America back to reopen the card. All of this took place within 30 minutes. So, in less than an hour I contacted Bank of America and requested to reopen my card. The representative asked if I still had the card in my possession and I responded yes. I also told her that I had just called within the last 30 minutes and had the card closed myself. She never told me that my credit would have to be run and she never asked for permission to run my credit. I did n't think my credit had to be run since I had been a customer of Bank of America since XXXX current credit score of XXXX with no discrepancies and it was less than an hour the account had been closed. Surprisingly, I received a letter dated XXXX/XXXX/XXXX that my request to reopen my credit card account was denied for serious delinquency and length of time accounts have been established. This confused me even more because I have been a customer of Bank of America for almost 10 years and never paid late. I have lived in my home almost six years and never paid late. I 've had a XXXX XXXX account on my credit established since XXXX and never paid late. The only delinquency on my credit report is a student loan account, which has been in good standing since XXXX. I really feel all this is retaliation regarding the negligent handling of my credit card dispute. I was never given provisional credit during the claim process after I was told I would not be charged interest during the process. I was charged. I was never credited back my XXXX Rewards Points or {$62.00} I used to pay for the transaction. This whole process has affected my credit tremendously. I was at the credit union shortly afterwards and learned that my credit score was lower than expected. I contacted Bank of America regarding them running my credit without my permission and the representative told me, " Bank of America will change the hard inquiry to a soft inquiry. '' This is not acceptable. My credit report should have never been accessed. Then I asked her about the reasons given regarding the reopening of my account. She told me, " instead of closing my accounts out I should pay them off and leave them open. '' Also the reason for denying the reopening of my credit card is not sufficient. Please help me get to the bottom of all this and get my credit back to where it should be.