Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Re : Complaint : lack of notice ; unjust credit card closure ; inconsistent denial of reinstatement or new account I am submitting this complaint regarding the closure of my Bank of America XXXX XXXX XXXX Credit card account ending in XXXX. After 13 years of excellent payment history, my account was closed without proper notice, as well as the issuer 's refusal to reinstate my account or provide a new credit card. This is a particular hardship for me because I depend on this travel rewards card for my frequent travel on XXXX XXXX Lines. My account was closed due to XXXX isolated incidents that resulted in returned payments, both due to circumstances beyond my control. My XXXX bank checking account was compromised and closed while I was overseas. This led to a returned payment because the account was no longer active. Another occasion I provided the updated new bank account information to a representative of Bank of America but the information must have been recorded incorrectly resulting in a second returned payment. What is especially concerning is that my credit card account was closed without any prior notice. I only discovered the closure when my card was declined during a purchase. I immediately contacted Bank of America by phone and was informed that my account had been closed, but I could not be given a reason. I was told I would receive a letter explaining the details of the closure. Approximately 10 days later I received a letter stating my account had been closed due to returned payments. This delayed notification deprived me of the opportunity to address or correct an issue before such severe action was taken. Despite my long-standing history of responsible account management, my credit card was closed without my knowledge. I made multiple attempts to explain the circumstances, but my concerns were dismissed without fair consideration, and Bank of America refused to reopen my account or offer me a replace credit card. I was told the account is closed and that's final. When I applied for a new Bank of America XXXX XXXX XXXX Credit Card, I was told by email that the request was denied. I telephoned a Bank representative, and I was told that I had recently had a credit card that was closed, and it can not be reopened. I asked for a replacement card. The representative mentioned that 60 days had passed since the closure and no reconsideration would be forth coming. She had NO record of my two written communications sent by XXXX mail immediately after I learned of the closure. This explanation directly contradicts my documented efforts to resolve the issue within this unknown time frame. I believe this situation reflects unfair and inconsistent treatment, particularly given my 13-year history of excellent account management. In addition, my credit score is excellent -- in the 800s. I respectfully request an executive review from CFPB to investigate this matter to assist in reaching a fair resolution. Specifically, I am requesting the issuance of a new account. Thank you for your time and attention. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL 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