Bank of America Credit Card Complaint

Bank of America Credit card department,

Billing disputes California

I have a credit card from -. The card fee is $ -/year and starts on -. On - I received notice of the renewal. I asked for a card with a lower fee. It was $49.00. They issued the card and I paid $49.00. They applied the $49.00 to - to - but never cancelled the $90.00 charged. They continued to bill me $41.00 ( $ -- $49.00 ) and objected each time for 3 months. Then I found that they reported the past dues to the - credit bureaus so I relunctantly paid them the $41.00 plus - late charges totalling $4.00. They refused to reduce the $90.00 fee to $49.00 because they think the contract permits them to charge $90.00 if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with - states " The annual fee is scheduled to


This law states " a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). I would like my $45.00 refunded and more importantly, instructions given to each credit bureau that there was no past due. i am enclosing pages referring to -, and the - terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. In addition, in - ( -, - was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.