I had a business credit card account with Bank of America. The payment was late. They took money out of my personal checking account without my authorization. When I called Bank of America they refused to investigate the charge. If they had a judgement I can see how taking money out of my account would be fine, but they do n't. My personal checking account is not linked to the business account ( for a reason ) and there was n't enough in the business account for them to siphen money from, so they took it out of a personal account instead. When I called to dispute the charge I was told that I 'd have to dispute it with the credit card department. If it had been any other creditor I would be allowed to dispute it with my bank for an unauthorized charge ( listed as a debit card purchase ). The representative said that the checking account was linked to the business credit card which is completely false, but still I did not authorize that charge. There is no judgement that would give them access to my account. If I were having this dispute with any other credit card company they could n't just take money out of my account without my permission or a judgment and the judgment would be against the business as again this is not a personal account. 
