Bank of America Credit Card Complaint

Bank of America Credit card department,

Closing/Cancelling account Oregon

This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it


my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.