Consumer complaint received 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Bank of America ( BOA ) is trying to squeeze every XXXX from me that it can because the U. S. Post Office ( USPS ) has not delivered my credit card payment, {$110.00}, due XXXX XX/XX/XXXX. I can provide recent examples, in local mail service, of the USPS inability to provide prompt delivery service, due, either to the lack of diligence and/or the lack of employees, many out sick with Covid. 

I paid my BOA bill for the period ending XX/XX/XXXX, in the amount of {$110.00} on XX/XX/XXXX ( See BOA Statement XXXX XXXX XXXX XXXX and XXXX, showing order in which checks were written ). 

On XXXX XXXX, as soon as I learned my payment had not been received, I called BOA asking how I could pay this debt immediately to avoid any fees, interest or other charges because my payments have never been late. Their representative suggested a one time funds transfer from my checking account would eliminate any fees or interest. I agreed, thinking that because it was an electronic transaction the funds would be credited to my BOA account immediately. The payment wasnt debited from my XXXX checking account until XXXX XXXX and in the amount of only d {$350.00}. Because BOA had not forgiven the fees and interest the bill had not been paid in full, as was my and more fees had been added ( See XXXX  credit rpt XXXX  1 & 2, Fees Bank of America, XXXX statement PE XXXX XX/XX/XXXX ). 

BOAs response seems ( See BOA response -1 and 2 jpgs ) to be a generic letter, stating their rights. It appears that no review of my conversation with their agent was done. The agent said that if I paid the bill by bank transfer, no fees or interest would be charged. I provided BOA with a reference number and other specifics as shown in Fees Bank of America Now I am up to date on my BOA credit card payment ( See Checkbook -2.jpg ). However, my banks representatives tell me I am liable for the check payment of {$110.00}, in perpetuity. There is no time limit on cashing a personal check, unlike a check written by a business. I must maintain the amount as a liability and am not able to spend it or close my BOA account. 

I ask for the return of all fees, interest and other monies over the amount of the original debt. This amount will then cover the charges for cancelling the check. 

I did my best to pay BOA, their agent gave me incorrect information concerning the cancelling of incurred charges, BOA didnt do a thorough investigation, I am an on time payer. I deserve some consideration for being a good customer. 

Requested refund amount BOA Statement PE Fees Interest on Purchases Amt due Reference XXXX XX/XX/XXXX {$25.00} {$3.00} {$28.00} BOA-XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1.00} {$0.00} {$1.00} BOA-XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$1.00} {$0.00} {$1.00} BOA-XXXX  XXXX XXXX Total Owed {$30.00} I also request that BOA stop adding more Fees every month as their bill has been paid in full ( See Checkbook XXXX ). 

Attachments : XXXXXXXXBOA Statement XXXX  XXXX XXXX XXXX 2-XXXX 3XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFees Bank of America.docx XXXXXXXX  statement XXXX  XXXX XXXX XXXX XXXX-BOA response  XXXX XXXX-BOA response XXXX XXXXBOA Statement XXXX  XXXX XX/XX/XXXX - XXXX XXXXBOA Statement XXXX  XXXX XX/XX/XXXX XXXX XXXX-BOA Statement XXXX XXXX XXXX XXXX XXXXXXXX XXXX-BOA Statement PE XXXX XX/XX/XXXX XXXX XXXX-BOA Statement XXXX XXXX  XX/XX/XXXX - XXXX XXXX-BOA Statement PE XXXX XX/XX/XXXX - XXXX XXXX XXXX

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