Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
In the late-evening of XXXX XXXX, XXXX, I went to my Bank of America Visa Account Online to check my balance. I discovered that my XXXX Statement ( covering the dates XXXX XXXX - XXXX XXXX ) had already posted. Because I could see my New Statement 's Balance as well as new Minimum Payment Due, I paid it right then. It was debited from my Bank Account on XXXX XXXX and this has been confirmed by Bank of America as the date that this payment was posted to my Visa Account. However, I was later to discover that Bank of America regarded this payment as having been made on my former statement ( for XXXX ), thus because I did not issue ( another? ) later payment for XXXX, that I have been overdue in my payments since. This resulted in my receiving Late Payment Fees of {$37.00} in both XXXX and in XXXX ( {$74.00} total ). Upon discovering this situation in late XXXX, I have sent and received messages at least XXXX 10 times through Bank of America Visa 's Messaging Center, as well as having phoned and spoken to a LIVE Representative on the phone at least 3 times. I have also sent Bill Statements and documentation to Bank of America 's Bill Disputes Office in XXXX XXXX, TX. Despite all of this, including that of being told that, not for me to worry as the situation is resolved and it will be shown on either my XXXX or XXXX ( at the latest ) Statement, it is NOT resolved, as I am still, even after my XXXX Statement - online today, XXXX XXXX - being regarded as OVERDUE and had a Late Payment Fee applied as of XXXX XXXX. In XXXX, my Statement advised that my Minimum Payment was {$990.00}. I paid {$490.00} on XXXX XXXX and {$500.00} on XXXX XXXX. On the evening of XXXX XXXX my online account indicated that I had paid this amount so that zero was due. The next day, my online Visa Account again stated that I owed {$490.00}! How so? Why? I messaged Bank of America to confirm, thinking that if this " Overdue '' indication remained on my Account, that I would again be debited a bogus Late Payment Fee. I received this reply : " On XXXX XXXX, XXXX, XXXX at Bank of America Visa confirmed this payment was received on XXXX XXXX, XXXX and was applied effective the payment date of XXXX XXXX, XXXX. This payment is applied towards your XXXX XXXX, XXXX due date for your account ending in XXXX, so there is no late fee on your account. '' However, today my new Statement is out and, once again, Bank of America has issued me, not only a Late Payment Fee, they are also requesting a Minimum Payment Due of more than twice what is normal ( {$990.00} )! 
All of this, because I paid my bill conscientiously back at the end of XXXX according to what I saw on my online account. The phone calls and the information that I received have not helped me. The messages I have received have been misleading and incorrect. Even the letter that I received back from the Billing Disputes Department ( in XXXX XXXX ) has been confusing, although it did confirm my original payment date ( when things began going wrong in the context of this situation ), as XXXX XXXX, XXXX. This ( XXXX XXXX ) payment is even reflected on my end of XXXX ( ie. XXXX ) Statement/Bill, not on my end of XXXX Bill. As I have stated repeatedly to Bank of America 's Reps, that I only paid due to viewing my XXXX Statement then posted online. That XXXX Statement did not state : Do not pay yet! 
With Bank of America Visa 's left hand not knowing what the right hand is doing, I turn to you for help, please. ( I DO HAVE COPIES OF ALL OF THE MESSAGES THAT WERE COMMUNICATED BETWEEN MYSELF AND THE BANK OF AMERICA VISA MESSAGING CENTER, if needed ).

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