Bank of America Credit Card Complaint

Bank of America Credit card department,

Billing statement Washington

In the late-evening of - -, -, I went to my Bank of America Visa Account Online to check my balance. I discovered that my - Statement ( covering the dates - - - - - ) had already posted. Because I could see my New Statement 's Balance as well as new Minimum Payment Due, I paid it right then. It was debited from my Bank Account on - - and this has been confirmed by Bank of America as the date that this payment was posted to my Visa Account. However, I was later to discover that Bank of America regarded this payment as having been made on my former statement ( for - ), thus because I did not issue ( another? ) later payment for -, that I have been overdue in my payments since. This resulted in my receiving Late Payment Fees of $37.00 in both - and in - ( $74.00 total ). Upon discovering this situation in late -, I have sent and received messages at least - 10 times through Bank of America Visa 's Messaging Center, as well as having phoned and spoken to a LIVE Representative on the phone at


my - or - ( at the latest ) Statement, it is NOT resolved, as I am still, even after my - Statement - online today, - - - being regarded as OVERDUE and had a Late Payment Fee applied as of - -. In -, my Statement advised that my Minimum Payment was $990.00. I paid $490.00 on - - and $500.00 on - -. On the evening of - - my online account indicated that I had paid this amount so that zero was due. The next day, my online Visa Account again stated that I owed $490.00! How so? Why? I messaged Bank of America to confirm, thinking that if this " Overdue '' indication remained on my Account, that I would again be debited a bogus Late Payment Fee. I received this reply : " On - -, -, - at Bank of America Visa confirmed this payment was received on - -, - and was applied effective the payment date of - -, -. This payment is applied towards your - -, - due date for your account ending in -, so there is no late fee on your account. '' However, today my new Statement is out and, once again, Bank of America has issued me, not only a Late Payment Fee, they are also requesting a Minimum Payment Due of more than twice what is normal ( $990.00 )! All of this, because I paid my bill conscientiously back at the end of - according to what I saw on my online account. The phone calls and the information that I received have not helped me. The messages I have received have been misleading and incorrect. Even the letter that I received back from the Billing Disputes Department ( in - - ) has been confusing, although it did confirm my original payment date ( when things began going wrong in the context of this situation ), as - -, -. This ( - - ) payment is even reflected on my end of - ( ie. - ) Statement/Bill, not on my end of - Bill. As I have stated repeatedly to Bank of America 's Reps, that I only paid due to viewing my - Statement then posted online. That - Statement did not state : Do not pay yet! With Bank of America Visa 's left hand not knowing what the right hand is doing, I turn to you for help, please. ( I DO HAVE COPIES OF ALL OF THE MESSAGES THAT WERE COMMUNICATED BETWEEN MYSELF AND THE BANK OF AMERICA VISA MESSAGING CENTER, if needed ).