Consumer complaint received 2018-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I believe that Bank of America ( BoA ) is in violation of, but not limited to, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) is that amended the Fair Credit Reporting Act of 1970 ( FCRA ), as well as, the Truth in Lending Act ( TILA ) of 1968, among other laws and public policy. 
On XX/XX/XXXX, payments I made to the balance of credit card ending XXXX were processed. On XX/XX/XXXX, BoA changed the dates of those payments to XX/XX/XXXX, after I submitted the XX/XX/XXXX complaint to the State of Michigan Attorney General and the purported Consumer Financial Protection Bureau, et al. Today, I an email from BoA, which stated the following : Dear XXXX XXXX : We were unable to withdraw funds from your Pay From account for the payment shown below. As a result, this payment was not made : Pay To Amount Payment Date Pay From Account BK OF AMER MC {$150.00} XX/XX/XXXX XXXX Your payment is still due and your Bill Pay service has been suspended. We won't send this or any other scheduled payments until you call us to reactivate your service. Action Required Contact us immediately at XXXX to reactivate your Bill Pay service. When you call, a customer service associate will review the status of this and any other scheduled payments and determine whether you need to make those payments using an alternative method. They just blocked my access from rectifying my 1 % of the balance minimum payment due {$150.00} I made on XX/XX/XXXX what they claim was a payment paid from a closed account I rarely ever made payments from within the last 12 months - via their website ; according to a Call Center representative purportedly XXXX XXXX of XXXX, NY today at approximately XXXX EST! She said, " you must wait 2 to 5 business days in order to access the account Bill Pay feature, which would be either Tuesday, XX/XX/XXXX or Friday, XX/XX/XXXX ''. This is ridiculous! Why send me an email to call immediately? They are trying to make me forget to rectify the issue they caused and submit the payment ... .... She also claimed to remove a checking account from my BoA account, without my permission. She refused to transfer me to a supervisor. I uttered profanity, because I was upset by the continuous flagrant disrespect held out by BoA. Just because I owe $ XXXX doesnt mean that you have rights to do illegal things with my account : rounding up decimals on bills to steal {$0.00} from and inaccurately presenting bill amount to borrower ( s ), now blocking me out for control of my account even after telephone consultation, I dont think that BoA deserved the right of existence. Imagine the number grandmothers and distracted single mothers they are taking advantage of with these attempts to pilfer nickels and dimes in a multiples to generate millions Serve justice, please. I want them to reverse all fees ever charged or intent to charge me within the last 3 months! 
Serve justice, please

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 explanation