In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail. 
