Bank of America Credit Card Complaint

Bank of America Credit card department,

Payoff process Nevada

I went online to Bank of America ( BoA ) credit card website to payoff the full amount due. The website indicated that the full amount due was $7100.00. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a - balance - it showed that I owed and additional $38.00 due no later than -/-/-. On -/-/-, I called BoA and spoke with a customer service representative, " -. '' She transferred me to her supervisor, " - -, '' who identified himself when asked, as a " supervisor of the agent team. '' - - acknowledged that there is nothing on the website that


- - explained that despite this failure to inform the consumer on the website, BoA refuses to credit the $38.00 because somewhere in a revised terms of service, which he said was sent out in -/-/-, it explains that if the consumer wished to pay off the full amount owed, the consumer must call BoA to find out the real account balance. I explained to - - that the failure to provide this information on the website - in the " Pay This Card '' dialog box that pops up to allow the consumer to click on the " Make Payment '' button, and enter an amount to pay, is misleading. I asked that the $38.00 be credited back to the account such that the next statement would show a - balance, and he refused to do so, again restating the explanation in the paragraph above.