I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner. 
