All I can say is that I am ANGRY... Very ANGRY at Bank of America for ruining my - up until now - perfect credit history!
I had to leave in June for business overseas for 3 months. Prior to leaving, I had so much to do to arrange travel and arrangements that I was late on ONE payment to Bank of America. I had never been late or delinquent in my 3 years.
Due to the expenses of moving, I could only make a partial payment on my card. Once I settled overseas, I made more than the minimum payment to make up for being late and making a partial payment.
I called Bank of America today and discovered they had CLOSED my account! I was outraged and spoke to several representatives from the credit and risk departments. They bounced me everywhere. Finally, Sharon Forest tells me that they closed my account for being 60 days late (ie, missing one payment and paying partial, which was counted as the next month) and for other UNNAMED delinquencies on my credit report. When I probed further, they wouldn't give me any information.
I told her this was outrageous that they would close an account that had never been late before and was only 60 days late (really only 1 month late, but they counted a partial payment as an additional month). I told them I would never have anything to do with them again, to which she hung up on me.
They are complete theifs! Looking at my credit report, there was only 1 delinquency on an $11 medical bill I didn't pay while overseas. What kind of crock is that? They essentially ruined my history over 1 $11 medical bill and being 1 month late. I later learned they massively closed accounts in June - anything that looked at all risky to them. So, I was a victim of their own business practices! Thanks a lot b of a! I hope you get what's coming to you!
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