Bank of America Credit Card Complaint

Bank of America Credit card department,

Payoff process Texas

My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in - 2015, an electronic payment was made of $4400.00 on a balance of $4400.00. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in - for a payment received on - -, which was due on - -. I requested the late fee be removed due to confusion over the holiday. The - statement showed a balance of $70.00, including a late fee for receipt of the $4400.00 2 days late. Again, I contacted BOA in late - to complain about the late fees, and was told they were removed from my account. I paid the remaining $35.00. In applying for a mortgage loan, we were informed in late - that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the


credit bureaus by the first week of - 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.