Question
Has anyone accidently made a double payment to Bank of America credit card?
I made a mistake and paid off my credit card $11,500 twice. Now I have a $11,500 credit and I've requested a credit refund check on Feb. 20, 2007. It is now March 21 and since Feb. 20 I have called customer service atleast once a week to follow up on my request (I would also email customer service through the BofA credit card website). I would get different answers every time I would call: "It takes 7-10 business days to get your check" or "There is a review for your request and it will take 30 days to complete" And just now I called and they said they extended the review because of a "US patriot Act" in which they need to make sure the money I used to pay my credit card is legit. Does anyone have any advice on who I can call or what I can do to get my money back? This service provided by BofA is ridiculous.
3 years ago - 3 answers
Best Answer
Chosen by Asker
The reason you got different answers is because not all customer service reps are created equal. Some of them will make stuff up if they don't know the answer just to get you off the phone. It may seem obvious but as soon as an operator picks up the phone ask to be transferred to a supervisor (they are not allowed to transfer you unless you ask). The supervisor will have more authority over your account and be able to give you more information. The truth is any check for more than $10,000 has to be reported. Just to make sure you’re not planning to use the funds to blow something up. B of A has no control over that. All creditors have that responsibility. However, they can give you accurate information and tell you the status of the review.
Source(s)
Worked as a rep for CitiBank Customer Service
by Dulcie
3 years ago
Asker's Rating: 
Other Answers
They are right about the Patriot Act. Any money transaction that exceeds 10k has to be reported to the FBI so that they can verify it is not money being laundered. You will get your money back but also ask BOA for interest on that amount while they are holding on to it, that should speed things along. Good luck.
by Akbar B- 3 years ago
It is most likely a federal Anti Money Laundering regulation. Any cash transaction of more than $10,000 requires investigation, so it's likely that it will take a little while to get your money back. In the meantime, anything that you use the credit card for will just decrement the credit balance.
by Jason- 3 years ago