Bank of America Credit Card Complaint

Bank of America Credit card department,

Other fee California

In -/-/-, I got a new cc from AAA ; it was issued by Bank Of America. I signed up for automatic payments of my billed balance, as I do for all my Credit Cards. For the first couple months, they did it wrong and only took out the minimum even though the phone rep and I could see the full amount was supposed to be taken out ; Part of this is BoA 's confusing terminology, which I 'm sure causes many customers the same error of selecting the wrong option to have the full balance due withdrawn ( and I 'm sure BoA charges interest on those who do n't complain! ). I called, and they corrected and refunded the erroneous interest charge. After the second month of that nonsense, I cancelled the auto payment because BoA 's system was obviously screwed up and paid the full amount that was n't deducted of the previously due balance ; again the erroneous interest was credited back to my account. I had a bad feeling when the amount I 'd paid was n't removed from the bill I got, but since I had already cancelled the automatic payment, I felt


have ( and it was when I had it at my prior complaint call ) ; my - - payment paid the full amount of the billed statement well before the -/-/- due date. On -/-/-, less than $40.00 in new charges were then left on the account. Nonetheless, on the - - payment due date, BoA withdrew the entire $880.00 they had erroneously billed even though I 'd ALREADY paid it in FULL by - - - AND there was only a total of $40.00 remaining charged to the account. Is n't this ILLEGAL?? BoA should be fined. As a result, my bank charged me $60.00 in " courtesy payment fees '' for covering the actual bill payments that were supposed to be deducted by - of my other credit cards. I asked BoA to refund their erroneous collection of $880.00, which they did, but it took 7 days ( creating half the $60.00 courtesy fees ). AND I asked for the $60.00 in fees charged by my credit union to be refunded to me since they were cause by BoA 's erroneous withdrawal from my account. Both a BoA phone rep and supervisor refused and would not give me any additional person to contact, though the supervisor supposedly sent a complaint on my behalf to unnamed person or dept in BoA. She also told me BoA does not even have a mailing address available for me to write to them and complain, and their online complaint form is so well hidden I can not find it on my own. I want BoA to refund me the $60.00 in fees and also pay me $500.00 for the stress and duress this has caused me and the damage to my credit rating. Further, this loss of $60.00 is causing me to have to locate sufficient funds to pay my -/-/- bills while I wait for the delay in BoA 's refund of the $60.00 fees charge they owe me.