Complaint #1648787 submitted on 11/10/2015 relating to Bank of America. Complaint relates to Credit card - Delinquent account .
Complaint was submitted via Web and sent to the company on Tuesday 10th November 2015.
My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me.
| Company | Bank of America |
| Complaint ID | 1648787 |
| Date Received | 11/10/2015 |
| Product | Credit card |
| Issue | Delinquent account |
| State/ZIP Code | IL 601XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with non-monetary relief |
| Submitted | Web 11/10/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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