Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XXXX XXXX, I left the US and went back to m home country XXXX. Before I leave the state, I closed my boa credit card, and all the subscriptions on all my software app. And paid back XXXX XXXX  to my credit card, ( the total limit on y credit card is XXXX XXXX ). 

On that day in XXXX, I went to my local BOA bank branch in XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, to close my credit card. After they have made a phone call to the bank, the associates at that branch told me that they have successfully closed my credit card and confirmed I paid back all my debt on this card. Without letting me know that there is still XXXX XXXX unpaid. I did not notice that. And thought my card was closed successfully and there is nothing more to worry about this card later. 

2 months later, in XXXX, I fly back to XXXX. And in XXXX we do not use XXXX because it is banned. One day in XXXX I used vpn to access my gmail, and see that my credit card still has XXXX XXXX unpaid and I decided to ask about that. But I did not know where that XXXX XXXX comes from because I already closed my account in XXXX. And then I checked on earlier emails and find out that on the day I closed my credit card, I still have XXXX XXXX unpaid debt and the interests were rolling in these 6 months and now it has reach XXXX . So XXXX XXXX interests in half year. And I don't know why they would tell me my card is closed successfully while it appears on my bills that there is still XXXX XXXX unpaid. And without me knowing now the debt plus the interest increased XXXX . And also while I am at XXXX, I am not able to call BOA to ask about this bill because they told me they have no access into my credit card. Because I can not provide them with a US phone number. So now the interest is still increasing and I don't know how to pay the bill, because I am at XXXX, and also I don't know why I should pay the bill because I am not sure where the XXXX XXXX comes from. ( whether it is interests or it is something else like bank errors or false charges. ) And last year, BOA also declared to end its relationship with me because they suspected fraud. Since then I could not use online mobile banking anymore because it is locked forever. Also since they suspected me fraud, my money XXXXXXXX XXXX was also frozen in my checking account, even after I made several attempts, BOA still has not declared whether they found a true falsehood with this money or whether they are going to return this money to me. This money was from my mother, she gives this to me as my XXXXXXXX XXXX XXXX XXXX 

I wonder bank of America is wrongfully taking my money and not doing their job right to avoid extra charges for their customers. Now I can not track my credit card bills, and there is no local branch in XXXX where I can visit to either know about this billing or to pay for it, and the phone call I made to BOA associates they simply told me they don't have access to my account because I can not provide them a US phone number.

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 monetary relief