I obtained a credit card from Bank of America that I kept in perfect standing at all times. when payments were due, I always paid double or more rather than the minimum amount due. I made a payment before midnight and not knowing the cut off time was XXXX, was charged a late fee. While discussing the situation with an associate a few days later, she got very out of hand and we wounded up exchanging a few argumentative words. I saw where I was not getting anywhere, decided to hang up. She ( I believe ) submitted a request on my behalf to close the account. Not knowing this until I attempted to pay a bill, called the bank and was told that I requested to close the account. They would not reissue my card unless I reapply and they would run my credit which has a hard inquiry toward my credit score. Should I have to go through this after assuring them that I did not request to close my account? Your assistance is greatly appreciated. 
