Bank of America Credit Card Complaint

Bank of America Credit card department,

Closing/Cancelling account Ohio

I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of $12.00 ), which then resulted in my credit score decreasing significantly ( again, all over a balance of $12.00 ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this $12.00 delinquency ( which had in the meantime snowballed to a total of $20.00 with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full $20.00 balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another $1.00 interest charge ( again on an account which I thought I closed, and thought I finally paid off in


for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this $1.00, so I am still unable to proceed with my mortgage refinancing until I pay them the $1.00 and the correction to my credit report is finally made. All over a $12.00 charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.