Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Bank Of America service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Bank Of America: Easy Method
What is Bank Of America
Overview
Bank Of America is a large U.S.-based bank offering retail banking, credit cards, loans, and online/mobile banking services worldwide.
For customers in Nigeria, Bank Of America services are accessed remotely; account management, online access and support are provided through the bank's global channels.
Scope of services
Services referenced in this guide focus on online/mobile banking access, account correspondence, and customer service interactions.
This guide does not change local account ownership rules; it explains cancellation of access and related consumer options relevant to Nigerian users.
How to cancel Bank Of America
Canceling online/mobile access
- Notify Bank of America in writing or via their secure messaging to request cancellation of online/mobile banking access.
- Alternatively call customer service: 800-432-1000 and request cancellation of your User ID or online access.
- Canceling your User ID access will cancel scheduled payments/transfers tied to that access, but it does not close your underlying bank accounts (Service Agreement, Section E).
- Use the bank's secure portal for written requests: Bank of America secure site.
Canceling other services and accounts
- For account closure or correspondence, send a signed written request to the bank's correspondence address (see Address section).
- If you use app stores (App Store / Google Play), there is no separate documented cancellation path there; follow written or phone procedures above.
- Keep records of all communications (dates, reference numbers, names) when requesting cancellation or closure.
What happens when you cancel
Access and scheduled transactions
Cancellation of your User ID or online access stops logins and will cancel scheduled online payments/transfers associated with that access.
Existing account balances and deposit/loan products remain unless you request formal account closure.
Account renewal and data handling
Account terms such as interest, fees, or recurring services may continue until you formally close the account per the bank's procedures.
Bank Of America retains records as required by law; request clarity from the bank about data retention or deletion when you submit your cancellation.
Will I get a refund?
Published refund policy
No explicit generic refund policy (for example a 14-day right of withdrawal) is published in the sources found for Bank Of America.
Bank Of America does not appear to publish a public, platform-specific refund clause for online/mobile access in the materials reviewed.
Exceptions and Nigerian law
- Under Nigeria's Federal Competition and Consumer Protection Act (FCCPA) 2018, blanket "no-refund" policies are unlawful; consumers retain rights to refunds and remedies for unsatisfactory services.
- Central Bank of Nigeria (CBN) APP-fraud guidelines: if you report authorised push payment (APP) fraud within 72 hours, banks must investigate within 14 working days and refund within 48 hours after conclusion, or within 16 working days if multiple institutions are involved.
- If your refund claim is denied, cite FCCPA protections and CBN APP-guidelines where applicable; retain evidence and escalate if needed.
Bank Of America plans and pricing
Summary
Publicly available sources did not list Nigeria-specific pricing or EUR-denominated charges for Bank Of America apps or services in 2024 - 2025.
Where official pricing is not published for a region, treatment of fees follows the bank's general fee schedules and account terms.
Pricing table
| Plan / Service | Price |
|---|---|
| Online / Mobile banking access | Varies |
| Account maintenance / fees (region-specific) | Varies |
Your consumer rights in Nigeria
Federal Competition and Consumer Protection Act (FCCPA) 2018
FCCPA grants Nigerian consumers rights to refunds, returns, and remedies for defective or unsatisfactory services.
Blanket "no-refund" clauses are unenforceable under FCCPA; businesses must comply with statutory consumer protections.
Central Bank of Nigeria (CBN) fraud guidelines
- Report APP fraud within 72 hours to be eligible for the expedited investigation/refund framework.
- Banks must conclude investigations within 14 working days and refund within 48 hours after conclusion, or within 16 working days if multiple banks are involved.
- Keep copies of your fraud report and bank reference numbers for escalation or dispute resolution.
Customer experiences
Positive feedback
Some reviewers report competent staff and effective issue resolution when they reach a live representative or receive a callback.
These positive outcomes typically follow escalations to human agents who take ownership of the issue.
Common negative feedback
- Many complaints cite long wait times and difficulty reaching a live agent due to automated phone systems.
- Other issues reported include holds on deposits/checks, unexpected fees, account closures without notice, card retention, or delayed card replacements and refunds.
Documentation checklist
What to prepare before cancelling
- Full name as on account, account number(s) or masked identifiers, and contact details.
- Copy of ID (passport or national ID) and proof of address where required.
- Written cancellation request or secure message copy, including desired effective date and precise actions requested.
Supporting evidence for refunds or disputes
- Transaction receipts, screenshots, and dates/times of disputed transactions.
- Any correspondence with the bank (emails, secure messages, reference numbers, call logs).
- Police or fraud report if alleging APP or other fraud; note reporting times to meet CBN timelines.
Common mistakes
Assuming cancellation closes accounts
Many people cancel online access but believe their bank accounts are closed; access cancellation and account closure are separate actions.
Always request formal account closure in writing if you intend to close the account completely.
Failing to document the request
Not keeping records of cancellation requests, reference numbers or correspondence makes disputes harder to resolve.
Always save copies of written requests, emails, and note the names and dates for phone calls.
Comparative recap
Quick comparison
| Aspect | Bank Of America (based on sources) | Practical note for Nigeria |
|---|---|---|
| Cancellation method | Written notice, secure mail, or phone | Use secure messaging or written mail and keep proof of submission |
| Refund clarity | No explicit retail refund policy published | Rely on FCCPA and CBN APP guidelines for local consumer protection |
| Customer support | Mixed reviews; long waits vs. helpful agents when reached | Escalate and request callbacks; document all interactions |
After cancelling
Immediate actions
- Confirm cancellation in writing and keep official confirmation or reference number from the bank.
- Check for any pending scheduled payments or transfers and confirm they have been cancelled.
- Monitor recent statements for unexpected fees or transactions for at least one to two statement cycles.
Where to get help or escalate
- Bank of America secure portal: secure site.
- If you believe your consumer rights in Nigeria were violated, reference the FCCPA 2018 and CBN APP guidelines in any complaint.
- For public feedback and experiences, consult customer review sites such as Trustpilot.
Address
Mailing address for correspondence
P.O. Box 25118 Tampa, FL 33622-5118
Notes on sending mail
Send signed written cancellation or account closure requests to the address above and keep proof of postage and delivery.
Include your account number, contact details, and a clear statement of the action you want the bank to take.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.