Consumer complaint received 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
While I have enjoyed a great relationship with Bank of America ( and it goes back to XXXX Nations Bank ) and having the majority of all finances with them since approximately XXXX I have recently had some problematic issues with the credit card - XXXX XXXX XXXX XXXX. 

Unfortunately Bank of America closed this card at the end of XX/XX/XXXX and now I am astonished that Bank of America is reporting me as late multiple times on my credit for this account. 

I did first notice that my auto payment in XXXX was returned and this was the first occurrence since the account opened in XXXX. This was confusing as I was under the impression from when this account was set up as I filled out paperwork and provided a wet signature for the monthly minimum payment to be pulled via ach. At this time ( XXXX ) Bank of America informed that this auto payment would be pulled via ach and thus the automatic payment would be attempted up to three times. I discovered after this XX/XX/XXXX auto payment was returned that this is NOT the case and this payment was attempted only once. 

This situation occurred again in XXXX ( XX/XX/XXXX ) and I immediately posted a payment to this account and requested that the statement date be set up for later in the month ( sometime XXXX or after ). Since the staff member took my payment over the phone she offered me dates and I choose toward the end of each month. I remember choosing around the XXXX of the each month as my new statement date. It is extremely important that this payment is not attempted on XXXX of each month. I was told that this statement date change may not occur during XXXX but should occur starting in XXXX. XXXX payment went through fine. 

Unfortunately this change in statement date never occurred and this bank is still attempting this auto payment on XXXX of each month. ( This statement date change still needs to take place ). 

I have spent significant time during XXXX, XXXX, XXXX and now XXXX on getting manual payments over, changing the statement date, attempting to get the card open again and now this/these 30 day late marks. 

For all reasons above and since I set up this statement date change in early XXXX ( and immediately made a payment at this time ) my goal and need is to have this/these 30 day late marks removed. i have put forth significant effort on this matter, originally set up the ach minimum payment to prevent this situation ( it was supposed to attempt up to 3 times ), requested ( and thought I received ) a statement date for a later day each month during XXXX, and have made all payments to bring this account current. 

In addition to all of the above I am also a single father and this situation has caused and will continue to cause serious financial injury to me if it stays as is. 

I would greatly appreciate all of your assistance in this matter.

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 explanation