Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I was a co-owner of a company that XXXX XXXX XXXX XXXX XXXX XXXX  issued by Bank of America, with me personally acting as the XXXX  During a dispute with my business partners, they took steps to illegally remove my name from the business account, including from the business credit card accountwithout my consent or proper authorization. 

As the XXXX XXXX  I continued to hold financial responsibility for the account. However, due to the actions of my business partners and the removal of my name, I was deprived of the ability to exercise my rights and responsibilities under the contract, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple visits to Bank of Americas branch to request that my name be reinstated on the account, my requests were unlawfully denied, and I was unable to access the account or prevent further charges. 

As of XXXX, the business has been XXXX  yet Bank of America is now attempting to hold me personally liable for the remaining debt on the business credit card. A substantial portion of this debt was accumulated after my name was removed from the account, during which time I had no access to the account or any knowledge of its activity. I do not recognize many of the charges, and I believe it is unconscionable and unjust to demand repayment from me for charges made while I had no control or ability to manage the account. 

I am asserting the following legal grounds : Breach of contract and fiduciary duty : Bank of America violated the implied terms of the credit agreement by denying me access to the account while still holding me accountable as a guarantor. 
Unjust enrichment : Bank of America benefited from the continued use of the credit card and has unjustly attempted to enforce a debt for which I had no ability to manage, verify, or consent to the charges. 
Lack of proper authorization : The removal of my name from the account was done without my consent and without following proper legal procedures, rendering the subsequent actions taken by Bank of America invalid.

Violation of consumer protection laws : Bank of Americas actions violate principles of fair treatment under consumer protection laws, including the right to access and dispute charges on an account I am held liable for. 

I demand the following : A full and detailed explanation of the circumstances surrounding my removal from the business account, including all communications and records pertaining to this decision ; A comprehensive transaction history from the time my name was removed until the present, clearly distinguishing between charges I was able to control and those I was unable to prevent ; An immediate cessation of all attempts to collect the debt, given the unfair and illegal nature of the actions taken by Bank of America ; A formal release from any further liability for the debt associated with the business credit card, as I had no access to the account and was denied the opportunity to manage or dispute the charges. 

The actions of Bank of America have placed me in an untenable positionresponsible for a debt that I was denied access to manage, unable to verify or control, and unreasonably held liable for charges made after I was removed from the account. I am requesting immediate resolution of this matter, including the removal of any outstanding liability for this debt and the reinstatement of my rights as a guarantor, or in the alternative, the full cancellation of my liability for this account.

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