I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them. 
