Back in April of 2018, I paid off a $2,000 dept to Bank of America and I believed I was officially cleared of any debts.
Now it's September of 2018 and I decided to check my credit score and noticed it was a lot lower! Noticed the reports all came from Bank of America and I contacted them regarding the issue. They specifically told me I had a $36 debt that was not paid since when I paid off my debt to $0. Confused and inexperienced of knowledge about credit cards and how they worked, I paid the $36.00 and told them to close my bank so this does not happen again. 2 days later, I received a confirmation email that my account was closed.
Thought it was over? Nope.
Now it's November and I decided to check on my score.. noticed that my score went down again!
And of course, the problem was Bank of America again. Contacted them once more and they told me that there is a charge of $38 on my account that needs to be paid. I told them I paid it and have the receipt to email if needed. They told me that they had ZERO record of payment nor notifications that my account was closed.
Note, when I called them in September, I contacted them through their mobile app as I always do, to prove that it was actually their number I called.
What should I do? Who should I contact to fix this?
I'm a college student that is trying to better my score before I graduate.