“Dear Steve,
I recently settled 2 of my credit cards with Bank of America. After they received my payments, they released 2 letters confirming that the accounts have been paid. I noticed they did not have my account numbers on the letters, instead they had 4 digit ending numbers that did not match mine. I called them and they said because the accounts have been paid off/settled, the system produces new numbers but if you call in, it will refer to the actual number.
I am worried that a few years from now, some collection company will call me to collect on it or on the balance and the letters I have will not reference to the actual account numbers.
I have been so worried about this.
Should I pursue BofA to give me proper letters referencing the closed account numbers?
Mary”
Dear Mary,
Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.
Your concerns are valid.
You would be better off if Bank of America could give you a letter that makes the connection between the two sets of numbers. It certainly is not an unreasonable request.
When you get that letter, be sure to keep it in a safe place, forever.
If you don’t get a satisfactory response from customer service, send a certified, return receipt requested letter to the CEO of Bank of America and request the letter.
Brian Moynihan, CEO
Bank of America
100 North Tryon Street
Charlotte, NC USA 28202
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