Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business checking with credit card account. I am writing to seek your legal assistance regarding a dispute and ongoing problems with Bank of America ( BofA ) credit card department ( CCD ). On XX/XX/2024, I visited a BofA branch to pay the balance on my business credit card ( CC ) of {$2000.00}. After receiving the timestamp receipts of checking account balance and CC balance paid. I left the bank believing my CC balance was finalized and up to date due to transaction receipts. It even posted paid on the banks web site/mobile app until the next Monday but subsequent events disrupted my CC payment that revealed discrepancies and unfair treatment by the banks CCD. 
This is what happened. Days had past after I made the CC payment before I discovered that an auto-payment that was initiated approximately 5 hours after I left the bank on XX/XX/2024. Caused the credit card payment to be rejected by the CCD automated system which was unfair. When I left the bank that day, I had receipts ( proofs ) of my completed transaction and the updated checking account balance of {$5.00}. The point is that when the auto-payment came in 5hrs after I left the bank, it shouldve been rejected due to insufficient funds. The transaction should have never been honored! I feel that I was wronged because the CCD refused not to honor my deposit first instead of the system prioritizing methods. Which caused late fees and a negative impact on my credit. Also when the payment got rejected the balance increased from {$2000.00} to over {$2100.00}! 
Instead of CCD correcting the systems mistake. The CCD excused the situation as thats how the system is programmed and refused to even acknowledged the situation reasonably. 
My past experience with BofA CCD has been marred by ongoing issues, including a erroneous balance transfers, unhelpful, confusing and miss leading customer service. 
Despite repeated attempts to resolve this CCD rejection problem independently. I had to go into the branch and get a banker to assist me. The banker spent a better part of an hour trying to get the CCD to correct the prioritizing mistake, but it was to no resolve. When the banker got off the phone with the CCD he was confused on how they were treating me and suggested I get some help. 
This matter of allowing the system to prioritize how payments are accepted is one thing but not correcting for system methods that causes mistakes is obviously wrong. There are other concerns I have with BofA CCD. 
When I applied for this XXXX XXXX secured credit card. I gave two separate XXXX XXXX deposits for one credit card, purportedly due to a system glitch. I was told that when the system clears I will be refunded the XXXX XXXX. Because of how the CCD has been treating me. I really feel like that the initial deposit was never actually refunded, I believe? Even though its on record. I still think something was wrong about me giving two initial deposits of XXXX XXXX Thats why I believe I was never refunded and this also needs to be looked into. 
Given the bank 's history of legal issues confirmed by the recent XXXX lawsuit and the timing of when I opened my checking and credit card accounts with BofA leads me to believe that I might be a victim in reference to that suit. The circumstances about whats really going on with my CC is being pealed away layer by layer as I try to resolve these issues with BofA. 
I am seeking your firm 's expertise to navigate this complex situation because I really feel like there is more to reveal but I need professional help. I respectfully request your assistance in rectifying the unjust charges, obtaining reimbursement for the erroneous fees, investigating of a balance transfer that I did not do and to ensure fair treatment moving forward. 

Please contact XXXX XXXX XXXX or XXXX to discuss this matter further. Thank you for your attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX