I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers. 
