Consumer complaint received 2016-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
In XX/XX/XXXX, I got a new cc from AAA ; it was issued by Bank Of America. I signed up for automatic payments of my billed balance, as I do for all my Credit Cards. For the first couple months, they did it wrong and only took out the minimum even though the phone rep and I could see the full amount was supposed to be taken out ; Part of this is BoA 's confusing terminology, which I 'm sure causes many customers the same error of selecting the wrong option to have the full balance due withdrawn ( and I 'm sure BoA charges interest on those who do n't complain! ). I called, and they corrected and refunded the erroneous interest charge. After the second month of that nonsense, I cancelled the auto payment because BoA 's system was obviously screwed up and paid the full amount that was n't deducted of the previously due balance ; again the erroneous interest was credited back to my account. I had a bad feeling when the amount I 'd paid was n't removed from the bill I got, but since I had already cancelled the automatic payment, I felt I was in the clear to pay the amount due prior to the due date and all would be copacetic. The XX/XX/XXXX payment situation was WORSE : On XXXX XXXX, I paid the full amount that should have been billed had the prior month balance been deducted as it should have ( and it was when I had it at my prior complaint call ) ; my XXXX XXXX payment paid the full amount of the billed statement well before the XX/XX/XXXX due date. On XX/XX/XXXX, less than {$40.00} in new charges were then left on the account. Nonetheless, on the XXXX XXXX payment due date, BoA withdrew the entire {$880.00} they had erroneously billed even though I 'd ALREADY paid it in FULL by XXXX XXXX -- AND there was only a total of {$40.00} remaining charged to the account. Is n't this ILLEGAL?? BoA should be fined. As a result, my bank charged me {$60.00} in " courtesy payment fees '' for covering the actual bill payments that were supposed to be deducted by XXXX of my other credit cards. I asked BoA to refund their erroneous collection of {$880.00}, which they did, but it took 7 days ( creating half the {$60.00} courtesy fees ). AND I asked for the {$60.00} in fees charged by my credit union to be refunded to me since they were cause by BoA 's erroneous withdrawal from my account. Both a BoA phone rep and supervisor refused and would not give me any additional person to contact, though the supervisor supposedly sent a complaint on my behalf to unnamed person or dept in BoA. She also told me BoA does not even have a mailing address available for me to write to them and complain, and their online complaint form is so well hidden I can not find it on my own. I want BoA to refund me the {$60.00} in fees and also pay me {$500.00} for the stress and duress this has caused me and the damage to my credit rating. Further, this loss of {$60.00} is causing me to have to locate sufficient funds to pay my XX/XX/XXXX bills while I wait for the delay in BoA 's refund of the {$60.00} fees charge they owe me.

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