Checking or savings account -- Managing an account -- Complaint #10126122
Complaint Overview
Complaint ID: 10126122
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Georgia
ZIP Code: 310XX
Date Received: 2024-09-14T12:00:00-05:00
Date Sent to Company: 2024-09-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been paying my business credit card payment early, always above the minum payment. I have had no activity on the card in more than two years, just paying on a low balance. I finally closed the card account just over a year ago. I have been paying the business card payment from my personal Bank of America Account since I closed my business more than two years ago. My XXXX payment was due on XX/XX/XXXX, minimum payment due was {$160.00}. I paid it, early as usual, on XX/XX/XXXX. and paid {$200.00}. On XX/XX/XXXX, I logged onto my account to view my balance and noticed a debit charge " in process '' Description PAYMENT TO ACCOUNT XXXX XXXX ON XX/XX/XXXX VIA CALL AGENT for {$160.00}. I called bank of America and spoke with customer service they had no idea what the charge was where it came from and offered no explanation. I recognized the last 4 digits of the account number to be my CLOSED card account that I have been paying on. I called Business services and after researching and letting the customer service rep that I had NOT set up any auto debit. I manually pay early monthly etc. She places me on hold, comes back and tells me that Bank of America DEBITED my PERSONAL account to pay my monthly credit card payment on my BUSINESS account. I asked WHY, I have never been late, always early and pay over the minum balance. THEN she informs me that they have been doing this for the past 14 months!!!!! DOUBLE DIPPING. I have been paying them and they have been extracting the monthly minimum payment from my account. No one contacted me by mail, by email, by phone - and asked they just simply started debiting my personal account. I have been preoccupied with the recent XXXX XXXX XXXX XXXX of my husband and have not been monitoring the account closely. Needless to say, I was in tears. HOW IS THIS LEGAL? I could understand If I were late, skipping payments, but I HAVE NEVER BEEN LATE.
Frequently Asked Questions
What is Complaint #10126122 about?
Complaint #10126122 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-09-14T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.