On two successive days, XXXX XXXX, XXXX, I called Bank of America about a fraudulent charge on my credit card account from XXXX XXXX XXXX. The disputed transaction was a {$100.00} charge for what I was told was a free warranty car battery replacement. The B of A representative I spoke with said that because XXXX had physical possession of the card at the time of the charge, no fraud could be filed. I responded that XXXX XXXX had asked to see the card to verify when the failed battery had been purchased, and told me there would be no charge for a warranty replacement. After that, I was transferred to the B of A Fraud department. The man I spoke to said he would file the claim but that he had to send me new cards for family and myself. He said it would take up to ten days. 

When I did n't receive the new cards I called back was told they would get back to me. I never received the cards. When I checked again I was told the account had been closed at my request. Since I never made that request I responded that someone in the Fraud Department must have made a mistake. I was told they would get back to me. Subsequently, I received a letter that the fraud claim had been processed and the charge had been removed from the account. But my account was not re-opened. When I called again the credit card department said they would again request new cards. 

On XXXX XXXX, I called to ask when the card would arrive. I asked to speak with a supervisor. He said the Credit Department had refused me credit. I replied that I had opened my card account in XXXX XXXX, had made over {$50000.00} in purchases since then, had paid my account balance on time every month, have an account surplus of XXXX, and had my credit line increased in XXXX XXXX. He asked about my credit history. I said it was the same as it was when I first applied and received credit in XXXX. He said he would check with the Credit Department and call me back at XXXX the next day. He never did. 

My complaint is : 1. Someone in the B of A Credit department had falsified information to make it seem that I had requested my account be closed. 
2. They then used that falsification to deny me credit in retribution for filing a fraud complaint. 
3. My credit history has remained the same since XXXX. The only bad mark on my credit was a bankruptcy filed in XXXX that had not prevented me from receiving credit from the bank in XXXX. The bank 's action is unwarranted. 
