Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Bank of America 's XXXX XXXX 
I desperately called my BOA about XXXX XXXX  on XX/XX/XXXX, when I saw I had mistakenly scheduled an online bill payment that was " processing '' for payment the next day! I can not stop or change my online banking scheduling, once they automatically go into " processing. '' But I thought BOA could stop my mistake, as it did a few years ago, when I made a similar mistake. But this time, the BOA associate at XXXX, said she was powerless to stop my payment that she could not even see! She said I'd have to request a reversed bill payment, the next morning. And she told me I should not get any BOA fees. After I hung up, I emailed XXXX, in the hope that maybe, agents there, possibly could stop my payment. And I called BOA again on XX/XX/XXXX, as that first rep. advised ... only for a second BOA rep. to tell me, no, he still could not stop what was happening! He said I must wait overnight to see what happens, and he said BOA would not charge me fees. This second agent, though, asked me if I had called XXXX XXXX- an act never mentioned by the first agent on XXXX XXXX! I realized I had conflicting information from BOA, and STILL no resolution! I also saw a red, negative balance from BOA processing my {$2300.00} " payment '' on XXXX XXXX, taking funds I do not have! 
I went to sleep last night, and today, surprisingly saw my botched payment " cleared! '' I called BOA a third time, and got an agent who said she was switching me to online bill pay, only for her to actually, switch me to some automated, press-this-and-that-key, phone line! I hung up, and called back XXXX, for a fourth BOA agent. This one assured me he, too, would connect me to a live agent in online bill pay. But, nope! I got that same, automated phone line. Only this time, I decided to listen to the machine, and follow the prompts for entering my checking account number. As I did that, I was bounced to some fifth BOA agent, who annoyed me, as he spoke his script-a-leese! He kept saying what I already knew : I had self authorized my mistaken payment, the payment was going through the system, XXXX XXXX may try to process it again, blah, blah, blah. I annoyingly corrected him, pointing out that the system actually shows my botched payment as already posted and cleared! No one had done anything for me, despite my phone calls to BOA, and I had no written reply to my XX/XX/XXXX, BOA email! It was obvious I had no funds that would cover {$2300.00}, and it was looking like BOA was stalling me, so it could charge me a bunch of fees. My agent mechanically and audaciously said, yes, fees may occur, ( as my XXXX XXXX " payment '' bounces in the system )! I was livid, since no one at BOA intervened on my behalf, AND since that agent basically admitted to what I fear! BOA if playing XXXX with me, and hoping to entrap me in its fees, despite all that was said to me, by its first XXXX agents! So, please, CPFB, intervene, stop my bad payment from bouncing, and do so, without me getting any fees?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief