Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX/XXXX/16 I used electronic " Bill Pay '' at my bank, XXXX XXXX XXXX XXXX, to set up my credit card payment to Bank of America, which was due on XXXX/XXXX/16. The due date, XX/XX/XXXX, was a Sunday and my bank, XXXX XXXX XXXX XXXX had XXXX & XXXX blocked out. I could not set up a payment to be paid on XXXX/XXXX/16. Therefore I set it up for Monday, XXXX/XXXX/16. Bank of America did receive the payment on XXXX/XXXX/16. However, on XX/XX/XXXX they charged me a {$25.00}. late fee and {$6.00} interest for a total of {$31.00} in fees. I did n't realize that they had charged the fees in question until Friday XXXX/XXXX/16 because I was very, very busy in prior months and did n't have time to reconcile my account. My routine, in order to avoid late fees and/or interest, was to, upon receipt of the bill from BOA go to my bank website and set up the payment to be paid on the due date for the amount of the statement balance. 
On XXXX/XXXX/16 I called BOA and was told that they could n't reverse the fees because they had done a courtesy reversal XX/XX/XXXX for a payment that was 1 day late due to some XXXX thing that happened in which the payment did n't go through. I 'm glad that I just happened to check my account online the next day and realized that the payment had n't gone through. I acted on it immediately and BOA reversed the late charge and interest. BOA states that they can only do XXXX courtesy adjustment within a year. My issue is that this should not be treated as a courtesy adjustment ; my account should be credited for the amount of the fees by a higher up person that has the authority to do that. I feel the payment they received on Monday, XXXX/XXXX/16, was a timely payment since Sunday is not a legal banking day AND I WAS N'T ABLE TO SET UP THE PAYMENT USING A SUNDAY DATE AT MY BANK, XXXX XXXX XXXX XXXX " BILL PAY '' WEBSITE, WHICH IS HOW I PAY ALL MY BILLS. SUNDAY WAS BLOCKED OUT. The rule that I remember regarding payments was that the Monday following a Sunday due date was considered timely. However, BOA rep stated that I could have called them on Sunday, the due date, and even though they would n't have received the funds until Monday the payment would have been considered timely. For XXXX thing, I 'm not accustomed to making payments via the phone. I would have had to give account number and routing number in addition to other information that I do n't like to give over the phone. And for another thing, I did n't know it would make a difference ; I thought the payment would be considered timely on that Monday. 
Ironically, I had closed this account a month earlier and just happened to catch this late charge & interest before the final payment, which is due on XXXX/XXXX/16. I had the payment scheduled at my bank website for XX/XX/XXXX since XX/XX/XXXX again is a Sunday. Of course, now that I know I can make payment over the phone on the due date I will cancel the web payment since I certainly do n't want to be faced with a repeat of this nightmare. 
I am a low income individual and these fees will really hurt if not reversed.