It is impossible to cancel a Bank of America credit card, what should I do?
I called in a few months ago to have one of my Bank of America credit cards canceled. After waiting an hour on hold and being transferred several different times, I reach a black guy who sounds like a thug, doesn’t introduce himself, he just says hello, and he asks for my credit card number. I give it to him and say that I want my card canceled and the credit limit combined with my other credit card. He says, “aight”. I cut up my credit card.
A month later, I still have both accounts and the limits have not been combined. So, I call back today. After being transferred 5 different times, I reach a black guy who doesn’t introduce himself, he just says hello. I explain my situation, and he says hold on. A voice recording comes on the phone and says, “Our operators cannot take your call at this time, please call again later”. And then the call is ended.
This should be illegal. What can I do?
Here are the answers to your question and how to get results the fast way.
Report the company to banking regulators. Their mailing address is
Division of Credit Practices, Bureau of Consumer Protection, Federal Trade Commission, Washington, D.C. 20580
or file a complaint online at www.ftc.gov.
Report the credit card issuer to the Comptroller of the Currency. Phone number is 202-874-4700.
Report the company to your state’s attorney general’s office. You can find links to your state’s AG website at naag.org. Your state might allow you to file a complaint online. This is probably the most effective complaint to make as it is the attorney general’s who have filed most of the lawsuits against credit card companies.
Report the company to the Better Business Bureau. Submit your case for dispute resolution online at www.bbb.org.
Hope this answers your question.
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.