Consumer complaint received 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Late fee

Complaint:
I would like to lodge a complaint against Bank of America FIA Card Services! I was charged late fees on my CLOSED Visa credit card account due to a Bank of America banking error. This has resulted in my account accruing late fees and being sent to Collection Agency. I have spent the past several months being bounced around to numerous departments in my attempt to get to the root and figure out what happened. I cut this card up in XXXX of XXXX therefore I knew it was not purchases by me. I was told that my account was " charged off '' and there was nothing they could do about it. I have many Bank of America employees tell me that they could see where it was their error but once it was " charged off " then it was very difficult and almost impossible to get this reversed. They said if I had called prior to the " Charge off '' they would have taken care of the late fees but now they could not. I never received a monthly statement or a phone call from Bank of America after setting up automatic monthly payments in XXXX. Prior to this if I was even XXXX day late with payments someone from BofA was calling me to find out if I would make a phone payment! The XXXX time I heard from anyone was XXXX months later in XXXX of XXXX from a COLLECTION AGENCY!!! By this time my account had already been " charged off ''. My problems started back in XXXX of XXXX I received a call from an employee in the credit card dept and was asked if I wanted to make a phone payment. She asked me to set up automatic monthly payments to pay off the account that had a balance of {$980.00}. I agreed to this and she set up {$150.00} to come out of my checking account every month on the XXXX and was to continue until the balance was paid which was scheduled through XXXX of XXXX. This arrangement went fine for XXXX months then for whatever reason that can not be explained by Bank of America, on XXXX XXXX due to an BofA banking error, the monthly draw came out XXXX day late on XXXX XXXX, XXXX instead of the XXXX, and a late payment fee was charged. The draws continued to come out automatically XXXX day late for othe next XXXX months and when what was supposed to be my last scheduled payment was made in XXXX of XXXX of {$120.00} there was apparently a balance remaining of these XXXX late fees totalling {$120.00} XXXX all of which accrued due to their banking error ). I was unaware of these late fees and in fact I had received a call in XXXX of XXXX from a Bank of America employee who told me that I would only need to pay {$120.00} on my last payment versus the {$150.00} and my account would be current. I authorized this last payment of {$120.00} and never heard from Bof A again until late XXXX of XXXX. Bank of America had sent my account to a collection agency and due to accumulation of XXXX more months of late fees, my supposed {$0.00} balance was now {$350.00}! I began my futile attempts in XXXX to get this problem resolved. I tried to find out where these charges came from on my card in XXXX of XXXX and the agent was only able to go back so far and not to XXXX therefore he was not able to check the statments to see where the charges came from. I requested copies of my statements and they agreed to send them to me going back to XXXX. I waited a month but never received these and had to call back in XXXX to see where they were. I was told that my requested had not been submitted to the proper dept. They submitted a request again and I finally received them in early XXXX, XXXX. When I saw that the late fees were not because of anything I did I asked for them reverse and they have denied it throught the escalations dept XXXX times!! XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation