Bank of America Credit Card Complaint

Bank of America Credit card department,

Closing/Cancelling account California

My credit report shows that this bank credit card account closed on - -, - as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with - they show that I made no payments from - - to - -, and my account magically went into good standing - - and up to - -, until I was " delinquent '' again and charged off - -. However with - it shows that this account was closed - - ( consistent with settlement talks ), but the last payment received was - -. This is highly inconsistent with what they reported to -. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.