I have a Bank of America- Visa Credit Card XXXX This card had a balance of {$2800.00} in XXXX XXXX. Because I was going to be traveling for 6 months into XXXX on XXXX XXXX, XXXX, I requested the monthly Visa payments be automatically deducted from my checking account which is also with Bank of America. I completed the automatic payment request with XXXX, at the XXXX XXXX XXXX of Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, Az XXXX. XXXX assured me that it was all set up with the payment arrangement of {$100.00} to be deducted automatically every month. We confirmed this with the Credit Card Department which received the information that same day XXXX/XXXX/XXXX. Keep in mind I was traveling -- Bank of America mailed me a letter dated XXXX XXXX, XXXX stating they were unable to deduct my monthly payment because the credit card account has a closed status. So, for 6 months the payment was not automatically charged as agreed -- -and I became delinquent on the Visa account. {$35.00} late charges for 6 months, along with more interest due to the balance going up each month. When I returned to the States, on XXXX XXXX, XXXX I read the letter that stated they were unable to charge my account automatically -- -I had not had my correspondence forwarded since I was traveling. How was I to know that the original arrangement was not followed through by Bank of America. Here is the kicker -- -when I returned I called Bank of America to see what could be done with the delinquent amount and if the late charges and any interest charged due to their inaccurate information the payments were not made. So, I called the collection department and spoke to a young lady named, XXXX XXXX, she stated she could submit an order to get the late charges reversed and refunded to the account but the account needed to be at a Current Paid Status -- I paid the amount past due of {$640.00}. to bring the account current. Once the payment of {$640.00} was processed and had gone through, she then retracted her statement saying she could NOT reverse the late charges because I had been past due in the past. What a joke this was on me -- made the payment and then once again, fraudulently, advised. One important statement she did make was that it does not matter whether an account status is open or closed the payments should be able to be paid automatically as originally was to be done. Please help, I am a XXXX year old, lady with a financial hardship due to illness and then for this to happen is not very professional on the part of Bank of America. Fraud on their part to take a consumer for more money. 
