Bank of America Credit Card Complaint

Bank of America Credit card department,

Cash advance fee New York

-/-/- I attempted to close out my Bank of America checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on -/-/-, more than one year after the initial call, my debit card was used for a fraudulent purchase of $100.00. On -/-/-, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - $100.00 to $0.00. Finally, on -/-/- the checking and savings accounts were closed. On -/-/- I received a bill from Bank of America 's credit card unit for the $100.00 cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the $100.00 charge would be taken care of and I would not be responsible for that charge. They


taken care of from the -/-/- call and I was again being charged for the cash advance from the fraudulent charge. I called Bank of America again on -/-/- and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on -/-/- and, after a 2.5 hour phone call, was told I would have to pay the $100.00 charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed.