Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit determination New York

A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to - and - ( and probably -, but I did n't obtain that report ) for at least 12 months- - of - through - of -. While payments of $0.00 a month were reported on the credit reports, the balance continued to mysteriously shrink by $50.00 a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after - of -, and do n't know if they reported that the account was since settled, paid, and closed out.