On Tuesday, 03-Feb-2026, I contacted BofA helpline. At that time, my total credit balance was $405.54, and the agent advised me to pay $94.56 so that the total credit would become $500, after which my credit card account could be closed.
The following day, I paid the requested $94.56 and called the helpline again to close my credit card account. However, I was informed that the payment was still processing and that the account could not be closed at that time. I was advised to call back the next day.
When I checked my credit card balance today, I noticed that my total credit had dropped to $310. I contacted the helpline to inquire about this discrepancy, but the representative was unable to explain what had happened. I was then told that while the credit card account could be closed, the remaining balance would not be transferred to my bank account.
This experience has been extremely frustrating due to inconsistent information and the lack of clarity regarding my account balance.
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