Consumer complaint received 2025-08-15 00:00:00
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
State: WA

Complaint narrative:
This is a follow-up to complaint # XXXX ( see below for the original complaint ). 

After submitting the initial complaint, it appeared that the {$3000.00} payment in question had finally been applied to my corporate credit card ending in XXXX. However, on XX/XX/XXXX, a new transaction labeled " payment adjustment '' for {$3000.00} appeared with no explanation or supporting details. 

Despite multiple calls and inquiries, no representative at Bank of America has been able to explain where the original {$3000.00} payment went or why this new {$3000.00} charge has appeared. It is unacceptable that no one can clarify or correct a basic transaction. 

To reiterate : the {$3000.00} payment made in XXXX should have been applied to the account ending in XXXX and must not be reclassified as a new charge. This unexplained adjustment should be removed immediately. 

I am again requesting : Full and permanent application of the original {$3000.00} payment to card ending in XXXX Removal of the {$3000.00} payment adjustment charge Reversal of all fees or interest charges resulting from this issue Protection from negative credit reporting while this is resolved Written confirmation once the matter is corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original complaint : On XX/XX/year>, I made a {$3000.00} payment from my Bank of America XXXX XXXX account via XXXX XXXX to pay down my business credit card ending in XXXX. The payment confirmation number is XXXX. Instead of applying the payment to my business credit card, Bank of America applied it to an XXXX XXXX XXXXXXXX XXXX credit card ending in XXXX. This card is technically classified as a consumer product, but it was presumably created and linked to my business profile when I opened my corporate account in XXXX. I never activated or used the card, and I never knowingly set it up as a payee. Because it appeared in my business online banking XXXX XXXX options, the payment was inadvertently sent there. I have spent an entire day speaking to XXXX different representatives in consumer products, business credit cards and XXXX fraud departments. No one has been able to resolve the issue, reallocate the funds or issue a provisional credit. Each department insists the other is responsible. I have been repeatedly transferred between business credit card servicing, consumer credit card servicing, fraud servicing, and payment research with no resolution. The payment has left my checking account and is not accessible to me. Meanwhile, I am incurring late fees, interest, and risk of credit damage on my business card due to this error. I am requesting : Immediate reallocation of the {$3000.00} payment to my business credit card ending in XXXX Reversal of all fees and interest charges incurred as a result of this error Protection from negative credit reporting while this is resolved Confirmation of the resolution in writing

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