Bank of America Credit Card Complaint

Bank of America Credit card department,

Virginia

Dear Financial Protection rep, I 've called bank of America several times as well as written several letters to bank of America to resolve this issue. I 've also spent hours at the bank of America branch in -, VA to resolve this without any success of having bank of America review a call I made to them - -, - @ - - and their admittance to their errors or possibly their intentional deceit to incur additional fees for their gain, which is a crime. Order of events of complaint : I canceled all accounts ( checking, savings, credit card ) all business with bank of America end of - -. Process of cancelling, physically went into their -, VA branch spoke with a manager ( she was blonde and of some foreign descent, possibly - not sure ). Stated my business that I had moved back to my home town and was putting all of my finances and business back with - where I 've had an account since childhood. I opened up account in Florida with bank of America while I lived in


pay credit card all in - location, which is why I was cancelling business with bank of America but appreciated their services. At this point my credit score is over - because I 've always taken care of my debts and will always continue to as you will clearly see here. I ensured all credit debt was paid and canceled and all business with bank of America was in good standing. Then, I received a bill from bank of America in the middle of - -. Knowing I did not have any accounts open with bank of America, I called them to report fraud on -/-/- at - -, providing him with the information from bill. The representative checked my closed accounts, confirmed accounts were closed and stated I did not have any charges or debt, his words " balances show zero '' The following few months, I did not receive anything else in the mail until -/-/- from a debt collector, - - -, representing bank of America. Therefore, I called Bank of America back to fix the fraudulent charges on -/-/- at - -. I patiently tried to inform - different reps of the situation and not - rep helped to rectify the situation or take initiative to get me to the correct department to resolve charges on a closed account. Not - rep reviewed the call, they each wrongfully decided to accuse someone who had an - credit score over a $200.00 charge. bank of America has wrongfully used my old credit card account after it was closed in - - ( bank of America admits all other accounts were closed at that time ). They also admit that closed account had not been used for six months at all, up until they accepted a charge from a company I do not accept charges from because I have not received any services from. So, I wrote letters to them and they 've replied that they have no record of phone call on - -, - ( straight up lie ). I 'll attach a copy of phone bill which shows proof of the 20 minute phone call which will make it very hard for them to deny to you or the court. Their letter states they are not in any error and they claim that I am responsible to pay the bill plus fees. My arguments : first, account was closed - of -. So I should owe nothing. I can not prove that I closed account so, Second argument, I called on -, where their rep incorrectly informed me of charges. If, I was informed in - of charges, we could have contacted the company which originated $220.00 charges for the year of their service and at most paid pro-rated 4 months ( about $73.00 ) of services never used, if could n't back out. Bill is now over $500.00 due to boA error and fees.