I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance. 
