Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur. 
