I had two credit card accounts with BoA. One I've had about 3-4 years and the other about 2 years. On 4/4 I added 3 authorized users to one of my credit cards. On 4/7 I recieved a called from BoA fraud department asking me to verify that I had added the users. I gave them every piece of information that they asked for and the representative said that he would clear my account, and I could go back to using the account as normal.
On 4/22 I recieved two letters in the mail both stating that BoA had decided to close both of my credit card accounts due to:
"irregular authorized user activity on one or more of your accounts"
I immediately called and was told by 4 different reps (including a supervisor) that they had closed my accounts on 4/15. I was told that there is nothing that can be done, even though their given reason for closing one of my accounts was inaccurate( I had not added a single authorized user to this card). The representatives simple stated "we can close accounts when we like and list any reason we choose even if it is not valid". I even informed them that these were family members and that I had their ID and SSC documents that I could send in if need be so they would see that these are accurate authorized users, they declined.I informed the representative, that this mistreatment sounds ilegal and compliant with the FRCA laws. The representative told me that I had a great history with them (no late payments, low balances, etc.) & that I was welcomed to apply for another card but the cards closed would remain that way.
But why would I if this is how they treat customers after they have been great customers to them???
Has anyone else experienced this? If so was there anything that you were able to do or any agency that I can report this to? Any responses would be greatly appreciated!
