Bank of America Credit Card Complaint

Bank of America Credit card department,

Closing/Cancelling account New Jersey

A settlement agreement was reached by telephone and direct payments to total $3600.00. I have made and the bank has processed - of these - payments already. Agreement reference number is -. Bank of America did not apply the money as a pay off but as a regular payment with $54.00 interest. They have creavtively, left me a - balance. I have confirmation of this arrangement and their statement, attached