Bank of America Credit Card Complaint

Bank of America Credit card department,

Closing/Cancelling account California

I have Bank of America cash reward credit card since -/-/- or -/-/- ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since - -. I did not notice that since most time I use my other credit cards. Then I received a mail from BOA said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than $45.00 ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about $24.00, since it is less than $25.00, BOA said can not redeem my reward ). Actually, I 'm totally fine with the close of this credit card account.


1 ) it is not my fault that auto-pay does not work. I have credit cards of -, -, - -. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 2 ) I just noticed my FICO credit score dramatically drop from - to - after that. I have over $ - in my BOA checking account, and they close my account for balance of $45.00, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).