Bank of America Credit Card Complaint

Bank of America Credit card department,

APR or interest rate New York

- - -, Please know that on - -, - I filed a complaint with the Federal Trade Bureau ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against the collection agency - - - - - and - - - ( - ). My reason for filing a complaint against - and -, is because they did not honor the written agreement we had between us. That agreement stated that I hadfive years, at a 0.0 % interest rate, to pay back - - debt. It might interest you to know that, due to my direfinancialsituation in the past, I was forced to make the exact same agreement - 5 years and 0.0 % rate ) with other banks for unsecured debt that I had on - other credit cards.I am now entering my fourth year of religiously making on time payments toward my debt for all my credit cards. However, - is the only bank that has not honored the agreement, I have not had any trouble with the other banks whatsoever.


converse with a live person and I did n't want to be late with my payments, I proactively decided to send my payments directly to the - - account department, even though my account was officially closed andin collection status andI was notexplicitlydirected to do so.ButI had no otherrecourse if I was to maintain my perfect payment record. Furthermore, I was fullyexpecting that BAMwould eventually assign my account to another collection agency. As of now that has not happened. Consequently, for over a yearI have been dutifully sending my payments in-on time-directly to - -. More importantly however, - - has received and cashed every - of my payments. For this reason I was completely perplexed and shocked to find out that my - score had dropped becauseon3/22/2016 -hadmarked my account as delinquent.Which, incidentallyand to add insult to injury, only a few days later, on -/-/- - cashed my last payment to the account!! Now I ask you, how can I be delinquent of payment when my check was in fact cashed on -/-/- and -/-/-? Not only was my last check cashed, but so were over a year worth of payments cashed! I would like to ask that thiscontradictionbe thoroughly investigated by your agency please. For your review, I am including allpaperworkpertinent to my accountand case with this letter. Finally, I would like to make - last point regarding my past debt situation. I was forced to make some very difficult choices because at the end of - my husband was - and no longer able to work. Suddenly, our family ( my husband and - daughters in College ) were forced to live on - income instead of -. Moreover, in order to negotiate a deal with the credit card companies for forbearance reduced payments, accordingly to all the banks, when I called I was told that I first had to default - against my will - and stop making payments for 180 days, even though I had a perfect payment record up until then. Most frustrating of all however, is that now - when I am near completing all my debt repayments - - comes a long for the second time in roughly a year and tries to ruin myrepaymentrecord for no reason! It is dishonorable and unjust and I hope you will attend to and rectify the situation. Please do n't hesitate to contact me at my cell ( - - - or my direct line at - -. - - - - to discuss this matter further. I have tried to contact you and have left messages, but not received a reply, which is why I am now sending you this letter. Thank you - - - -