Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Summary of My Issue : Delayed payment information appearance caused by my funds being low and was charged for Overdraft fees twice. 

Q : Why was this an issue? 
A : I paid my credit card bill via Bank of America 's Mobile Banking iOS App. But the transaction information did n't appear to show me whether the transaction success or not, even after I refreshed and re-logged in the app ( normally, the transaction information will show immediately after I refreshed and re-logged in the app ). Then, I waited for one more business day to see the transaction appearance, but the payment transaction did n't appear even as a scheduled payment item. So I did made the same amount of payment for the same credit card account again via Online Banking using XXXX browser the following business day. 

Q : What is this complaint about? 
A : I submit a complaint regarding Bank of America 's : 1. Delayed Payment Information Appearance ( Main Cause ), causing my checking account got negative balance and was charged the bank fees. 
2. Poor quality of Bank of America 's Customer Support Service, they transferred me back and forth across many departments with more than 4 representative and more than 3 hours of the issue discussion. 
3. Lack of Professional Manners to Deal with Customer Special Issue. 

Q : How did you attempt to resolve the issue? 
A : I attempted to resolve the issue by discussing with Bank of America 's customer service representative via its online chat system and phone channels. 

Q : When was the issue start from, and what action did you take? 
A : On XXXX/XXXX/2016 ( XXXX/XXXX/2016, XXXX XXXX ), my checking account was deposited {$320.00} to add up balance in checking account to {$360.00} ( {$42.00} was in my account already ) to cover all the payment I had calculated for {$36.00}, {$73.00}, {$180.00}, and {$60.00} for my BofA cards and my XXXX cards. 
On XXXX/XXXX/2016 ( XXXX/XXXX/2016, XXXX XXXX ), the payment was made via Bank of America 's Mobile Banking iOS App ( {$36.00}, Trans. Ref. No. XXXX ), this payment information was n't show as described above. 
On XXXX/XXXX/2016 ( XXXX/XXXX/2016, XXXX XXXX ), another payment of the same amount ( {$36.00}, Trans. Ref. No. XXXX ) was made because BofA made me thought the first payment was n't successful. 
On XXXX/XXXX/2016, {$73.00} was made successfully for another BofA credit card account. 
On XXXX/XXXX/2016, {$180.00} and {$60.00} were made successfully forXXXX credit card accounts. 
Additional information : On XXXX/XXXX/2016, the issued payment that was made via Bank of America 's Mobile Banking iOS App ( {$36.00}, Trans. Ref. No. XXXX ), the transaction STILL was n't show up into my account. 
On XXXX/XXXX/2016, my checking account was charged for Overdraft item fee for {$35.00}. 
On XXXX/XXXX/2016, my checking account was charged for Extended Overdrawn Balance for {$35.00}. 
On XXXX/XXXX/2016, I found my checking account balance was negative. Then, I contacted Band of America and have a long discussion for more than 3 hours and passed me across many departments back and forth. 
On XXXX/XXXX/2016, BofA 's credit card department reversed {$16.00} ( which I asked for {$36.00} to be reversed ) back to my checking account.

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