Bank of America Credit Card Complaint

Bank of America Credit card department,

Billing disputes

In short, I believe - ( or more ) " - Credit Card Accounts, '' issued from BOA years ago, have been destroying my credit rating -. - - - - - AZ - -, - - - - - -. - - - - - - - - - - - - *both - & - were mailed to old/incorrect address, were supposed to have been cancelled and new cards were issued that we used. they incurred annual fees automatically but were never paid resulting in late fees/charges/ -. Personal - ( - ). See below for full reference. Was active paid off in full. cut up card. went into defa I had/have a number of different credit card accounts with Bank of America ( background : was doing property renovations in - real-estate market - " fixing and & flipping SF homes '' ). Although we had - very successful, small apartment repositions - - - - - - we also purchased over - single-family homes near the end of a bull market. In any case, we had about - different project co 's with bank account & credit cards - that was personally guaranteed by ( SSN


In any case, given poor timing/market cycle the house-flipping biz did not end well in - and I got stuck with credit card debt. I 've always had great credit, as I 've been banking personally with - - since -. My credit score was always over - and I wanted to keep it up - so I kept paying down the biz debt each and every month with payments at/ & gt ; minimum. Recently, I found out to my horror and shock that my credit score had dropped to ~ -. Note : I was not actively using any of these corporate cards, given the - partners had dissolved the partnerships. The BOA letter re cc account - ( below ) relates to the above letter and I called BOA to find out why they cancelled this account. I was totally shocked, given I had been making all these corporate debt payments each and every month ( I kept track of these in a detailed spreadsheet ). What I learned was that a PERSONAL - - - - credit card account - that of - BOA - account ending in ( address : - - -, -, - - - ) had gone into default due to lack of payment. I found this outrageous, as I had completely paid that card off to zero balance and then cut up that personal credit card. I was told that it had an annual fee that was automatically charged to the account. I understood that, but I had NOT received any email or phone calls or mailed correspondence alerting me to a positive balance, late payment of alert of pending cancellation/default. Due to that ( unjust? ) event, BOA realized there was a - card - and - - - - - - corporate credit card ( personally guaranteed by me ) and arbitrarily cancelled it - without any phone/mail notice to try to resolve the issue. I confirmed that they had the correct address at the time and phone numbers. ( Possibly related? - I have received calls from this number - last couple of days, which, to me, seems like " telemarketer '' # *but they they NEVER LEAVE A MESSAGE!? *. Today, I decided to call them back and learned it was Bank of America cc division. ) For reference : The corporate entities and respective credit card accounts with Bank of America. - - - - - - Co. - BOA - - CC Account : - - - - ( actual cc # : - - - - Exp - ) - -, - - - - ) - BOA - Credit Card Account : - - - - ( actual cc # : - - - - - - ) - - - - - - - - -