Bank of America Credit Card Complaint

Bank of America Credit card department,

Late fee Colorado

In - 2015, I opened a Bank of America credit card to make a big-ticket purchase from a sporting goods store because of the incentives provided by the credit card. It was the only purchase I made with the card. Upon receiving my first bill, I saw that there was a late fee because Bank of America had not received a payment for the previous billing statement. I was unaware that there was a previous statement. I submitted a payment for the full purchase amount, which was posted on - -, 2015, prior to the - -, 2015 due date. On - -, 2015, I contacted Bank of America to close the account and to see about having the late fees etc ... removed. At that time, I was informed that the account was closed, but there was nothing that could be done about the late fees. I contacted Bank of America again on - -, 2015, because the bank has begun reporting my account Past Due even though it has been closed for several months. According to the bank representatives I spoke to, my only recourse is to pay the late fees and interest, and then they can request a refund of the late fee ( which is only $25.00 of the current $49.00 balance ) as well as a request to update the credit reporting ; however there is no guarantee that either request will be approved. Additionally, I was informed that if had requested assistance with the late fees earlier, Bank of America would 've been able to remove them ; which contradicted what I was told in -. I acted in good faith by paying the purchase balance of the credit card as soon as I was aware there was a balance due, and it 's not unreasonable for Bank of America to exercise leniency as a result.