Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX XXXX, I opened a credit card account with Bank of America. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.

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 explanation