So today I get an email from Bank Of America saying my card was removed from Android Pay because it was no longer an active account. I don't use this card that often, just random charges to keep it active. Until a few months ago though it had a balance that I recently paid off.
So I call BofA and they say the account was cancelled the day before. The first customer agent says that her info says "customer called to voluntarily cancel account" which was a load of shit. So I asked to be transferred to someone else who can help. This new person says that Bank Of America apparently sent something to me in the mail 30ish days ago saying they needed more information from me due to some Patriot Act regulation or my account would be cancelled within 30 days. I don't remember getting anything like that, but Bank of America is constantly sending me all kinds of garbage about new account applications or balance transfers. If they did send something they sure as shit didn't make it obvious, and they apparently only sent one letter. No other notices at all. No emails, no alerts in the account center, no calls. Just one lousy letter?
The guy told me he could glady take the info they require and "a decision would be made shortly." Well to me that sounds like I'm reapplying, so I ask and yes it requires a new hard credit pull because it's considered an application. WTF!! I've had this card for about nine years, so it's not exactly brand new. And it had a pretty large credit limit, so it being cancelled out of the blue is going to mess up my credit a bit. It wasn't the greatest card (shitty rewards), so I'm not really inclined to do a hard pull to re-apply. Just annoys me this happened, and I can't find much info on it happening to other people. Anyone else experienced this?
So I call BofA and they say the account was cancelled the day before. The first customer agent says that her info says "customer called to voluntarily cancel account" which was a load of shit. So I asked to be transferred to someone else who can help. This new person says that Bank Of America apparently sent something to me in the mail 30ish days ago saying they needed more information from me due to some Patriot Act regulation or my account would be cancelled within 30 days. I don't remember getting anything like that, but Bank of America is constantly sending me all kinds of garbage about new account applications or balance transfers. If they did send something they sure as shit didn't make it obvious, and they apparently only sent one letter. No other notices at all. No emails, no alerts in the account center, no calls. Just one lousy letter?
The guy told me he could glady take the info they require and "a decision would be made shortly." Well to me that sounds like I'm reapplying, so I ask and yes it requires a new hard credit pull because it's considered an application. WTF!! I've had this card for about nine years, so it's not exactly brand new. And it had a pretty large credit limit, so it being cancelled out of the blue is going to mess up my credit a bit. It wasn't the greatest card (shitty rewards), so I'm not really inclined to do a hard pull to re-apply. Just annoys me this happened, and I can't find much info on it happening to other people. Anyone else experienced this?