Bank of America Credit Card Complaint

Bank of America Credit card department,

California

Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. I obtained a secured card with BOA in -/-/- with an $800.00 deposit to build my credit. By -/-/-, I had established good enough credit to secure auto vehicles and a - mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit.


owed $25.00. Hence, I rendered a payment for $25.00 to BOA and thought the account to be closed and inactive. However -/-/-, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for -/-/- I would find that the last charge made on -/-/- did not post to the account until -/-/- hence I was given an incorrect payoff from bank of America on -/-/-, that did not include the transaction from - -. The account was then closed and I recall being issued a refund for the secured card deposits. Between -/-/- and -/-/-, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of $15.00 made -/-/-, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in - at the time.