Bank of America Credit Card Complaint

Bank of America Credit card department,

Customer service / Customer relations California

I rarely use my Bank America - credit card. I used it once in - ( I believe ) to buy gas for roughly $30.00. Because I use it infrequently, I did not recall that I had used it for one purchase. I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They


I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, " You may not have given us consent to contact you ''. I did n't think that made a lot of sense. In my condo complex, we have over - units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.