Bank of America Credit Card Complaint

Bank of America Credit card department,

Transaction issue New York

I have - credit card accounts with Bank of America : - is for both my wife and myself and - which is my individual card. On - -, 2016 I contacted BoA to make payments for my accounts. I spoke with - -. I auhtorized bank debit for $670.00 for account ending in - from my account at -. When discussing account ending in - I had a credit balance of $500.00, which I also asked - - to CREDIT my bank account at -. The reference for these transactions was -. On - -, I noticed my - bank account had been debited for the $670.00 but had no credit for the $500.00. I assumed this would take - or 2 days same as the debit. However, by Friday -/-/2016 I called around - - and spoke with - at BoA and complained about non-receipt of credit at my bank. - - informed me that the the payment had been authorized that date and I should have it in my account by monday morning -.


we discovered BoA had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. - spoke with her Manager and informed me BoA would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in - by the end of the day. It is now - - on - -, 2016 and still NO CREDIT in my bank. I would like the CFPB to investigate why is it that BoA has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does BoA not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday - I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. Thank you - -