I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies. 
