Credit card or prepaid card -- Problem when making payments -- Complaint #4913919
Complaint Overview
Complaint ID: 4913919
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 95127
Date Received: 2021-11-15T12:00:00-05:00
Date Sent to Company: 2021-11-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have had multiple credit cards at Bank of America for years. At this time, I have four credit card accounts with BofA. I have not been able to make payments to any of these credit cards from my XXXX XXXX checking account using the Bank of America web site. I have called both banks. They each say the problem is on the other bank 's side. I believe the issue is with BofA, however, since I can make payments to the BofA credit cards using the XXXX XXXX web site, but not using the BofA web site. This is especially inconvenient for me. I pay my credit cards in full every month. The monthly amount is variable, dependent on actual charges. I would like to setup autopay from the Bank of America side, and have the bill automatically withdrawn from my XXXX checking account. However, I'm not able to do that due to this issue. I am forced to make manual payments using the XXXX XXXX web site instead. In order to avoid missing a payment, I have had to set my bill preferences for all 4 BofA credit cards to paper instead of electronic, as an email bill notification is easy to miss. Paper bills are not good for the environment, and cost BofA money, as well. From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their credit card online payment system. No disclosure is made of this blacklisting in any of the BofA disclosures for any of my 4 credit card accounts. I believe I should be able to pay my credit cards using any of my external accounts, including XXXX XXXX, using the Bank of America web site.
Frequently Asked Questions
What is Complaint #4913919 about?
Complaint #4913919 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2021-11-15T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 (Credit card or prepaid card) 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.