Bank of America Complaint - Good Customer Gets Cards Cancelled
WILMINGTON, DELAWARE -- I had two BofA credit cards although I'd forgotten I had two as I got divorced six years ago and only had one in my wallet. I heard somewhere that, if you didn't use your credit card, the bank would cancel it. I am 63,single, self-supporting, and self-employed. I've worked hard to build up my credit score. Approx. four months ago I used the credit card already in my wallet to make a large purchase at Lowe's so I wouldn't have the card canceled. I never got a bill. Right after 30 days was up, I called them and they told me I didn't owe them any money. I thought maybe I'd mistakenly used my USAA credit card. In Sept. I got a notice from credit watch that my credit rating had changed, from 730(good) to 680(fair). BofA had reported me delinquent on two payments on my credit card. I called them and they told me I didn't owe them any money. I asked them to run a search. She did and said she would fax me a letter saying that I don't owe them any money. That was approx.9/16. I didn't receive a fax so I called back. This time the person ran a search and found my bill. I paid it off over the phone. I asked to have the two late notices removed from my credit card and he said he couldn't but he was transferring me to customer satisfaction and they would. Instead I got a rude woman who determined that the address on that card was wrong which is why I didn't get a bill. That was when I figured out what happened: I had one credit card in my wallet, I moved, the other credit card not in my wallet managed to get to my new address. I thought it was a replacement for the card in my wallet which I'd already charged on so as not to lose my card (I hadn't used either card for anything in over two years. I cut up the card in my wallet not realizing there were different numbers and put the, what I thought, replacement card in my wallet so when I was calling they were looking up the wrong card number and I didn't know it but I did repeatedly ask them to search for any debt I might owe BofA and they said they did from the very first phone call. The rude woman corrected the address and after I paid it off, I closed the account. I asked her to reverse the bad credit ratings and she said she'd have to transfer me which she did to an even ruder man who told me it was my fault and they'd do nothing, even after I asked him and he acknowledged the number of times over months that I'd called. He said it was my problem not BofAs. He was rude, saying he wouldn't reverse anything. I hung up and called back and got a nice woman, explained the entire story, she immediately reversed the late payment complaints and then said she needed to ask me some questions. I agreed and answered her questions. Since my credit limit was $57,500 on the card I had left I figured she was going to reduce my limit. At no time did she give any reason for asking me questions. Then she put me on hold, came back, and said she was closing my account because I don't make enough to have a credit card with them. Nothing in my life has changed since they issued the two cards with high limits. I told her I make good money but am self employed so a lot of what I earn does go to overhead but I live where I work so it's not that bad. She said that was too bad. I then asked her if I could close the account and she said, "No," the she'd made the decision so it would be recorded that way. I said she knew that would ding my credit and she said she did know that but she wouldn't let me close the account, she was going to do it. I hung up in tears. I am the one who called them repeatedly to pay a bill they couldn't find. I am the one who had a card with a $57,500 limit and the other was also high, and I had no balance, except that one bill, on either card. I am the same responsible person they gave two high limit credit cards to less than six years ago. Now I have no cards with them which is good because I'll never do business with them but they have dinged my credit and been very unfair to me.
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