Consumer complaint received 2025-02-02 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
State: NC

Complaint narrative:
In XX/XX/XXXX I went online to close our credit card with Bank of America because we were not using it and had another cc we were using. It had a XXXX balance when I closed it. At the end of XX/XX/XXXX I received in the mail a past due notice from Bank of America saying we had a past due balance. I called the XXXX number provided on the notice to find out how I could have a past due balance on a closed credit card. The representative told me that there were charges in XX/XX/XXXX. I told her we had not charged anything because I had closed the account in XX/XX/XXXX and destroyed the cards. She agreed the account was closed but stated they were automated charges where we had given our CC to be charged automatically. I then said nothing should be charged to a closed account. They should have rejected it and let the company get in touch with us to get our new information. She then said that because we had it set up to be automatically charged to the CC that they did not have to do that and could charge it to the XXXX. I then asked why wasn't I notified and received statements before they let it get past due and charged me late fees and interest. She couldn't answer that. All she could say was that I owed the balance of {$350.00}. I was frustrated with the situation so I said I would go online and pay the fees that were originally charged in XXXX but not the late fees and interest because it was unfair for them to charge me those. I was concerned if I gave her my banking information she would take the whole amount and not the original fees. I told her they needed to credit those to my account since I had not received any statements showing I had a balance. Due to closing the account I got deleted the password from my files. After much searching I found my password and did as I said I would the XXXX of XXXX and paid the original amount. I never heard anything else from Bank of America so I assumed they credited the late fees and interest. Needless to say, my dad applied for a credit line increase on his cc in XXXX XXXX which I am on with him and he was turned down. I received a letter in the mail stating it was because I had a low credit rating. I also received a notice from a collection agency that same week stating they were trying to collect a balance of {$360.00} for Bank of America. I called XXXX and they said my low credit rating was because Bank of America was showing I was delinquent. I explained the situation to XXXX and they said that was not right for Bank of America to charge on a cancelled CC. They would put in a complaint with BOA and I should call BOA and speak to a supervisor. I then called the collection agency and explained what happened and I never received any statements. They said they couldn't do anything but collect the past due balance that I needed to call Bank of America. I then called BOA and asked to speak to a supervisor. The supervisor said she could not help me since it was turned over to a collector. I then notified the BBB to see if they could help. On XXXX XXXX, XXXX I received copies of all of the statements from the collection agency which I had never received prior to this. On XX/XX/XXXX I received the dispute notice from XXXX. Bank of America did not tell XXXX our account was closed in XXXX XXXX. They showed it was closed in XX/XX/XXXX. I don't know what to do. I do not feel that I owe these late fees and interest which are accumulating. I did as I thought I should when I cancelled the CC. I did not know they could still charge things to a closed account. My husband and I thought that we had taken care of all automatic charges. Now Bank of America has ruined our credit and if I pay all the fees they say I owe then I am admitting they were right and I still don't know that they will clear my credit. We have always had outstanding credit.

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