Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 I received my statement that my payment was raised to XXXX dollars, I had a promotional credit card through boa that I qualified for that I did not pay any Interest for certain amount of months, so I used my boa card untill I came up to XXXX of XXXX were my balance hit over XXXX, I made my Minimum and more as I could all the way untill the first month that interest started.XX/XX/XXXX stated XXXX interest plus my minimum of XXXX was due on XX/XX/2023, making it XXXX dollars, I called bank of america because I had the cash to pay the balance off in full, I spoke to a supervisor in Texas amd have it recorded conversion from my end that I advised her of, you reassured me that if I paid my balance of XXXX it happened to be XX/XX/XXXX that it would clear my account to XXXX my credit limit of XXXX would come back and their were no other fees lingering, and so I paid it in full XXXX I screen showed everything to make sure to document it all,2 days later well checking to see if payment cleared I had seen a strange amount appear of XXXX but it did not give a Daye or that it was due or whatever my payment cleared my account went to credit limit of XXXX and showed I owed no more money as I payed my first month of interest that I had seen XXXX, then XX/XX/XXXX I received a email claiming I owed a additional XXXX dollars, I started doing math and it added up to XXXX dollars, now I paid my balance in full early XX/XX/XXXX with my interest taked on and I assume whatever else, I called bank of america went to a supervisor who could not explain to me but that it was interest owed, well my interest owed was XXXX my Minimum od was a XXXX dollars, which came out to a total of $ XXXXwell I cleared my debt in full on XX/XX/XXXX at the amount of XXXX with the interest I screen showed in the the first complaint of XXXX and payed well early, a Executive from Bank of America . Call me the very next day. I have done unable to speak to this. Gentleman on the phone he's calling me at times where he knows that I can not answer the phone I wan na head and I paid the {$140.00} plus and additional XXXX cents. because I do not want no negative remarks on my exceptional payment history I have 6 years worth of credit. I have XXXX XXXX accounts, and all of those accounts have been paid a 100 % most of them in full every single month for the last 6 years.i want my XXXX dollars and XXXX cents back, how is it that I owe XXXX if I paid my XXXX interest that totaled with the debt amount all together of XXXX, this has not been explained to me.its caused my credit score on all 3 bureaus to drop XXXX points .now I have just read that bank of america was just sued in the last few months for millions if not billions for doing stuff like what they just did to me, on top of setting up accounts without permission, fees charged that weren't owed and so I feel as if I'm being taken advantage of one and being stolen from.all that matters is that I paid my debt to them early in full!!

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