Consumer complaint received 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 entered in my business checking account bank details to credit company to pay my bill before heading out to sea on a government XXXX research vessel. They required two days to process a small deposit and withdrawal to confirm the account. Since I was headed out to sea for three weeks, I also entered in my personal account just incase the issue was because I was trying to use a business account ( even though I had no issues with account for auto payments on a XXXX credit card ). Same reply about the small deposit and withdrawal to confirm the account. While I was inaccessible at work in the ocean both bank accounts said they could not be confirmed. When I arrived back on land, I immediately called Bank if America to make a payment over the phone. The representative took my account information and said it would take 48 hours to process. I never received an email or letter in the mail that the payment was rejected. I called again TWICE on XXXX/XXXX/2022. First call I gave information and got cut off before I could attempt to set up auto payment or get a confirmation #. Called immediately again and paid AGAIN. Confirmation # XXXX for payment and XXXX for auto payment. I decided to go on my app again to attempt a payment online as a back up with the same information to pay off full balance. Next day I see three payments are processing in account and assumed everything was resolved. Checked back the following day and say my account went from {$2400.00} approx to - {$2400.00} approx ( proof that two payments of balance was paid making my account in the negative because of over paying ). Card was working fine and assumed everything was resolved. I intentions of calling Bank of America to check up on my dispute of late payments since I had attempted to pay my credit card before the first payment was even due and to remove the late payment fees and interest as well ( as was promised to me by a representative of bank of america and told to call back once payment went through. XX/XX/2022 I noticed that those two payments were now returned. I called at XXXX PST and representative said that payments were processed but then returned and that I should speak to my checking account bank. XX/XX/2022 went to my checking account bank and they said that the issue could be that I needed to give the XXXX account number ( my account number plus XXXX  extra digits in-front ) which I have never had to use before as the normal account number has worked for my XXXX credit card account with no issues. I called Bank of America immediately after and was told the account was closed and I could not make a payment. I asked for a supervisor. They said account was closed due to returned payments and late payments ( card only has three statements as it was opened in XX/XX/2022 ) and that they couldnt take a payment because there was already one processing ( probably this third payment I made on XX/XX/2022 that never went through even though processing should only take 48hours ). They said there was also a XXXX  day hold on this payment probably from my checking account bank and to call them. I called checking account bank immediately and they said they didnt see any transactions pending or otherwise from Bank of America EVER . I called Bank of America again immediately and talked to a different supervisor. He said he could take this XXXX account number but that there was nothing I could do about the account being closed. That XXXX payment is now processing but I am making a complaint because I have worked too hard for my credit to be hurt my an incompetent company. The credit card hasnt even been open for 3 months ( opened XX/XX/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