Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit card protection / Debt protection

I opened a Checking/Savings with Bank of America in -/-/-. To begin the process of creating good credit history, I opened a credit card with BoA in -/-/-. Recently, I made the decision to leave the US for an extended period, while studying in the -, and therefore, opted to close each of these accounts, with the help of the banking center clerk at the - - -, NY branch. Having been previously advised on this matter by another clerk at this location, I explained my situation, and requested the precise amount of money first be transferred to pay off my last remaining credit card charges. I received the receipt for this transaction, as had been done previous times I used this process to make a credit card payment. I also received the email stating my payment had been posted. It was then explained that though I could withdraw my available money, I could not finalize closing of the accounts at the center that day due to a few pending transactions, which would likely clear in the following - days. I was then further advised that the amount of money I requested to have withdrawn from my account, in order


branch, the clerk advised the same, that the closure process for the accounts could not be initiated until a few days later when the pending transactions had cleared. As before, I completely understood, and we proceeded with the withdrawal process. In this case, I was told by the clerk attending to me that there was no per customer limit for withdrawals from closing accounts, so we proceeded as such, to withdraw the available funds. A few days later, when all transactions had cleared, I called to ensure my checking and savings accounts were closed. Within the week however, my credit card account was charged again, the amount I had paid, with an additional 'returned check ' fee. An email was sent saying I owed the bank the sum of money again. From my international location, when I called BoA 's credit card center, they stated that my account did not have the amount to cover the transaction. I was transferred to the checking/savings department, where upon checks with the clerk, I was told the item for having been put toward payment of the credit card had been stated as pending on my account at the time of the withdrawal ; there was a discrepancy in the internal system. A report was then filed on my behalf by - of these agents, and I was told I would receive a follow up call from a supervisor within four days. To this effect, a case had been opened and I received a confirmatory email, as such. However, the next day, I received another email saying the case had been closed, despite no one contacting me and no reason was given as to the closure, but that I had to pay the money. Your assistance in resolving this matter will be greatly appreciated, as I am a student and no longer have that sum of funds easily accessible. I would further appreciate this being done as promptly as possible, as I have also been charged - late fee ; another will negatively impact the credit score I have been trying to build while in the US.