Bank of America Past Due Question

Hello Everyone! So not to long ago I product changed my Cash Rewards to a Travel Rewards card and had automatic payments set up on my Cash Rewards but did not realize that the automatic payments did not transfer over to my new card. Now it makes sense as it's a new card #. I was lucky enough to catch it before the next statement and just set up a payment and auto pay. My question is would this count as a derogatory mark on my credit report? Will it also effect my history with BOA? I've never missed a payment so not sure how this works. Any feedback would be greatly appreciated

Something similar happened to me with Amazon store card. I had entered the bank account number incorrectly so my paid in full did nothing. Called immediately and explained what had happened and corrected my account number. No negatives appeared anywhere. That was Synchrony. I suggest calling Bank of America asap and explain and cite your payment record. Good luck! In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/25-FICO: EQ - 789; TU - 776; EX - 681; GOAL: 780 across the board then 800. Gardening until further notice.

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Payment method /w Paypal -or- Bank of America

I am a seventeen and a half year old that has a job and has just recently (in the past 1-2 weeks) opened up a checking & savings account with Bank of America. I am online with Bank of America and I have setup my PayPal account with my Bank of America checking account. I am having a hard time trying to find a method to pay for a 30GB iPod (Black + Engraving) from the website. Is there any way to use PayPal or the Bank of America website as an option to pay for the iPod?
Sorry, if this is in the wrong discussion forum, but I wasn't able to send a comment/question through Customer Service > Shop > Paying for Your Purchase.

I'm guessing you don't have a debit card with your new checking acct? If you do, use that in the credit card option. A debit card can be used as a credit card if it has the Visa, etc logo on it. Otherwise, you can use the Bill Me Later option, though by the looks of it, it will take considerably longer that way.

$700 over payment... now past due?

ten year customer.... i made my $70 payment, but fat-fingered the amount, and actually paid $770. so my account showed a $700 credit. fabulous! so the following month when the statement printed, they deducted my following month's charge of $70, and i had an account balance of $630; a credit owed to me. i get my statement and think "$630 credit. i'll call them and get that refunded"
ya know, i could totally pay the rent with that, so i called and said, hey maybe cut me a check for the remaining $630. sure they said, we'll send that $630 check right out!
then, less than 5 days later, i get the calls from collections saying my account is two months past due and i need to pay another $160 NOW or they will cancel my service.
so i call in and find out they haven't sent me a check for the balance ($630), but they HAVE reversed the entire payment instead.... they think. the phone reps at version really can't tell me what form of payment the refund was made or where it was sent. they don't know if a check was mailed.... they can't tell if an electronic payment was made. they don't know how and they don't know the amount.
what they DO know is that they will cancel my account in 7 days if i don't pay them another $160 immediately.
my bank says it will take 8-10 days to credit back IF they receive it due to the large amount of the refund.
my question: when a person makes a $700 overpayment to their account, what is the correct question to ask to get the balance refunded WITHOUT throwing one's account into collections? if the representative would have said "hey, i see you made an overpayment, if we refund you, we'll turn you over to collections , we'll cancel your account before you have money to pay your bill and you'll have to shop for another account with sprint" i wold have at least been prepared to shop around.
what really should have happened? i can't pay (my new) balance because the money hasn't been sent to my electronic account yet. verizon wants to cancel my account because they say i'm past due since they refunded too much money, they say.
after being with verizon for a decade, i can't imagine shopping for another plan, but i'm looking at less than a week before i need to port my number. how can i resolve this situation?
and i still don't have my $700 back...... and i'm the bad guy.
what to do?

No, the poster noticed it on the next billing cycle and not at once.
Based on the $700 overpayment Verizon took the $70 out for that next month.
When they asked for the overpayment of $630 Verizon in their error refunded $700 which then threw them in arrears for $70.
Additionally Verizon now jerked them around not to refund the credit balance. But instead demanded payment for an error on their part via refunding too much back.
This is not the original posters problem. However 9 days later no refund back to her bank because Verizon is once again shining the customer on. It does not take 10 days to electronically place money back into an account that was charged instantly. It is just a reversal of overpayment.
Could the customer contact their bank and had it reversed instantly more than likely. That is what I would have done. My Amex credits me in seconds this way no messing around pulling teeth to get your over payment from Verizon.
For right now I would simply call the bank for a reversal credit, pay the balance owed to Verizon and be more careful in the future.
Good Luck

Bank of America and JPM Chase Agree to Erase Debts From Credit Reports After Bankruptcies

http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-bankruptcies.html?hp&action=click&pgtype=Homepage&module=first-column-region&region=top-news&WT.nav=top-news&_r=1 Two of the nation’s biggest banks will finally put to rest the zombies of consumer debt — bills that are still alive on credit reports although legally eliminated in bankruptcy — potentially providing relief to more than a million Americans.Bank of America and JPMorgan Chase have agreed to update borrowers’ credit reports within the next three months to reflect that the debts were extinguished.

gdale6 wrote:
http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-bankruptcies.html?hp&action=click&pgtype=Homepage&module=first-column-region&region=top-news&WT.nav=top-news&_r=1 Two of the nation’s biggest banks will finally put to rest the zombies of consumer debt — bills that are still alive on credit reports although legally eliminated in bankruptcy — potentially providing relief to more than a million Americans.Bank of America and JPMorgan Chase have agreed to update borrowers’ credit reports within the next three months to reflect that the debts were extinguished.From that NY Times article:Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of “past due” or “charged off.” - I had a bunch of those, showing 60-90-120 late & then CO (charge off) after filing, and some even showing CLS (closed) in 9/2010 when I filed, but then resumed late & CO reporting after that, mostly from Chase & Citi & the 1 BoA account. I disputed every one saying that reporting late after I filed was an attempt to collect a debt under automatic stay jurisdiction of a U.S. Federal BK Court. TU & EQ promptly cleaned them all up, while EX refused. As a result I get an "A" for payment history on TU & EQ with no lates, while I get an "F" on EX w/30 some lates. Hopefully this will get EX to clean up their act.

Bank of America Platinum Visa (Slightly Secured)

Good Evening FICO Community, Well two months ago I received a mailer for a Bank of America Secured card offer. The beauty of this offer is that I only had to pay $99.00 and they would give me $500 CL. I read it twice to ensure I was reading the exact thing, and I was. With that new source of information, I decided to take a chance as this would lead me to having a Prime card with the current cards in my wallet. Well anyway, weeks pasted and no card, but a letter stating that I had been declined. I was kind of deflated, but two weeks ago I received a letter from BOA indicating that they had made an error with several online applications. Could it be, I was actually going to receive a card. Long story short, I called and they said they still had my application under review. Yesterday, in the mail I received my shiney BOA Visa with card member status 15. I almost cried! To some, that would not be big deal; however, I have only had my scores go over 600 once and that was at the time I applied online. Now they have dipped 20 points below, but I plan on paying off the balances I have. My real questions are; does anyone else have this card and if so did they increase it after a year or so?

I totally agree with you in regards to spending a little and PIF. Unfornately, I have balances on my CAP cards that I have to get down before I charge on the BOA. I am very excited to have received it as I never thought I would with my scores. I believe in second chances and I believe this and my Discover Secure are opportunities for prime credit offers again. Thanks so much!silverbimmer04 wrote:
Congrats on your approval... Keep up the good work ! Remember to charge small amounts and PIF every month ... I just got the card this month also and that is what the personal banker told me to do, and in about 6 -9 months they will review my account to unsecured it, depending on my payment history and management of my other accounts.. I wanted to be in with BOA as I have heard good things about them on this forum... This forum has helped me tremendously !!!!

I have been with Verizon since 1995 (I was an employee for years). I attempted to upgrade 2 of the 4 lines on our account today, but couldn't. We have an outstanding balance (though we have received no past due notice via mail, email, or text and make reg

I have been with Verizon since 1995 (I was an employee for years). I attempted to upgrade 2 of the 4 lines on our account today, but couldn't. We have an outstanding balance (though we have received no past due notice via mail, email, or text and make regular payments every month) that I would love to pay, but our bank account number was stolen, so we can't access our account until Monday. Because we were unable to pay our outstanding balance, we were told we can't order the phones today during the special promotion (that ends today). No one can help us, though we have no way of doing anything until Monday when our bank reopens and can reimburse us for the money that was stolen from us. No one in customer service can help us (they can't process the order but not ship until after we make payment on Monday, they won't honor today's promotion on Monday due to our special circumstance, nothing). They stated that "corporate" makes the rules and they have no idea how I can reach corporate to discuss the matter. Without the promotion, we will be charged full price for the phones on Monday, which will cost us an additional $300.00. Any help would be appreciated. Thanks.

I hope that you aren't complaining about dropped calls INSIDE your condo because no amount of switching or upgrading devices will solve that.
VZW will not guarantee service inside of any structure. There are just too many factors. If the problem is inside then you might want to look at one of the following:
1.) Network Extender (may cause issues for others in a condo or apartment style setting)
2.) A Google Voice Number (Free with a Gmail email address), downloading Google Hangouts Dialer and forwarding your calls to the GVN so that you can make and receive calls over Wi-Fi.

Terms of payment in past due date ???

hi ...
Is it possible to maintain due date in past in terms of payment ?
In bizz scenario , if i maintain terms of payment in past due date in stead of future so that automatic posting can happen ....
Regards
mkc

Hi MKC
Your question is unclear - What should post automatically?
James

Minimum order quantity ignored when past due

SAP Business One 8.81 PL09
When running MRP for an item, the Minimum Order Quantity is ignored if an item is past due, meaning, the lead time makes it impossible to meet current requirements on time. From what I read, this appears to be by design in SAP Business One.
Example:
On hand: 0
Minimum: 10
Minimum Order Quantity: 20
Lead Time: 5
MRP produces a recommended PO for a quantity of 10 in this case
Example 2:
On hand: 0
Minimum: 10
Minimum Order Quantity: 20
Lead Time: 0
MRP produces a recommended PO for a quantity of 20 in this case
Can anyone explain the logic for recommending only the quantity to get to the mimimum rather than the minimum order quantity when a lead time is present? Clients don't believe this is sound MRP.
Alan

Hi Guys,
I am having the same problem in 8.81 Patch 7. Here is the way i have setup the items in my item master data.
Example :
Min Inventory 10
Max inventory 50
Min order QTY 40.
Lead Time 1 day.
When running the MRP id doesn't suggest the min order qty. Instead it suggests the difference from my in stock level to my min level.
When removing the Lead time it suggests the min order qty of 40 units.
My question is why is it doing it and what can we do to fix it?????
Kind Regards
Francois Joubert

Is it possible to upgrade a device when your account is past due?

I'm totally disgusted. Best Buy had The Galaxy 4 for FREE until ten tonight. after waiting in line at bestbuy for 2 hours to do an upgrade on my eligible device. I was denied because my account was technically past due. I know it is. I have an automatic bank draft set up on my next payday Dec. 9th. When I called customer service to ask if there was something They could do for me the Barely English speaking agent said there was nothing and he suggested I pay my past-due amount and he would be happy to do that right now so I could still make the sale.I explained I have arranged the payment and I can't pay it until then.I have been with verizon for nine years I have 5 phones with a monthly bill over 300.00. that's 3,600. a year and 36,000. plus all the phones and Accessories. I'm asking if I can sign another two year contract with you and your telling me that I can't. OR are you telling me That i shouldn't?

mikeebiloxi wrote:
Yeah I heard that from the last guy. I was asking if you could do me an almost favor. I would think that after $36,00.00 you knew I was good for the $280.00. the payment is setup for auto draft it's done. even if I didn't have the funds the bank would pay it out of my overdraft.
Being past due on your account is not really a good way to demonstrate that you are "good" for the amount you owe. Just sayin'.
Pay your bill. Pay it on time. Pay all that you owe. "Problem" solved.
Not sure why you would be owed a "favor". Or even an "almost favor" (whatever that is.)

Business received Past Due notice phone call, we dont have Verizon Wireless

Hi,
I am an IT administrator for a small company.
Our office received an automated phone call from Verizon Wireless about a past due balance of a couple hundred dollars.
I found it odd since no one in the company (we're a small business of 7 people) has verizon wireless and if they did I would have been the one to set up accounts. We have had the same address and phone number for a couple years now so it couldnt have been a mistake. I waited to speak with a representative.,
I gave them my name, company I represented, and explained the situation from them. I told them I received a call about a past due notice. They asked for our contact number, I gave them company's phone number. They found the account through that number and the company name was listed on the account however at this point was where the conversation died. The representative immediately would not answer any further questions because I was apparently not the account holder. They told me if I wanted to do anything I would have to get the account holder on the phone.
Now I understand why they couldn't help me due to privacy concerns.
However I am wondering what a small business can do because I am worried about someone fraudulently opening an account under the company's name and running a past due notice.

Have them mail the past due notice to your business address.
However if one of your employees/Officers have a personal account opened under your business with your FID number you may have to send a letter of dispute for those charges.
Have them send a complete written bill to your attention. That hopefully will clear it up.
Good Luck

OPaid Collection still showing as 90 days past due

I settled my account with CCA Collections in 2013. Every month Verizon Wireless reports me 90+ days past due for the total amount to the credit reporting agencies. Each month I have to file with a dispute with the three bureaus to dispute the report. I've called Verizon's in house collections and they asked me the remaining balance $55. I told them the account was settled, but I'd pay the $55 if they would send me a bill. They said no and hung up on me. Please help

This would be the wrong place to ask that question, due to this being a customer to customer forum. I feel like you would have to talk to customer service for advice (even tho you already did that.)
What I would do is contact my lawyer and see if she knows of anything to do. That could be expensive if you were to have to take legal action.
The other thing I would do is just pay the money. I know it isn't fair, but you can pay $55 and they will leave you alone.

EBill and Bank of America

Is anyone receiving an eBill in Bank of America for their Verizon Wireless account? If so, what are your Secure eBill, Auto Pay, and Papperless Billing settings in your Verizon account set to?
I have been trying for weeks to set this up and every time I try to request my ebill from Verizon in BoA I get this email response from BoA
We're not able to activate e-Bill service for Verizon Wireless (account ***********0001) because: Verizon Wireless is unable to process your request for eBill enrollment, as your subscriber account is not currently eligible to participate. Please contact Verizon Wireless for details (W)..
Common reasons for this problem include:
Billing and service address inconsistencies. You should always use your service address, not your billing address, when enrolling for e-Bill.
Wrong account number. Make sure you use the correct account number when enrolling for e-Bill.
Primary and secondary account holders. Make sure you are using the primary account holder's information (such as name, Social Security number, or tax ID).
e-Bill enrollment at your biller's website. In some cases, billers don't allow you to register for e-Bill at Online Banking if you're already enrolled at the company's website.
I have tried all kinds of settings for Secure eBill, Auto Pay, and Papperless Billing. Does anyone know how to get Verizon Wireless eBills working in BoA?
Thanks.

Wally0x0 - While we do not have the ability to jump start your BoA e-bill pay, we can assist to make sure your account information matches what we have here on file. Let us know if you still need assistance in getting this resolved!
By the way, as another option, are you aware of our auto bill pay services? This is a convenient service, and it is easy to enroll. Get more information for it here: http://bit.ly/U2894z.
If you have any questions, please don't hesitate to reach out to us! We're here to help out!
Thank you Wally0x0, take care!
NicandroN_VZW
Follow us on Twitter @vzwsupport

Bank of America

I have been researching this issue for quite a while. The basic issue is that when trying to login to Bank of America website I get the following error:
"Your browser sent a query this server could not understand. "
I get this regardless of the browser. I have attempted to use the latest versions as of this posting of Camino, Firefox, Opera, and Safari. I always have the same results.
If I logon to my Mac using a different profile, then I have no issue. So I know that the issue has something to do with something hidden in my profile.
I did migrate my settings from a previous Mac that was running Tiger if that is relevant. I am sure it is to a degree because I must have migrated the issue as I had the problem on that system as well.
Doing a sudo to root and launching the browser allows me to enter the site without issue.
If I go to Home>Library>Application Support and delete the Firefox directory, effectively resetting Firefox, I am prompted to import settings from another browser upon the launch of Firefox. I choose not to import anything. When I attempt to logon the "first time" to the Bank of America, it acts like it wants to go forward and then it redirects to the Bad Request page with the aforementioned error. Subsequent attempts immediately send me to this page.
I have attempted to delete Home>Library>Application Support>Cookies>Cookies.plist but that didn't seem to make a difference. I have also deleted the Home>Library>Application Support>Safari directory as well but that too didn't seem to make a difference. Of course, all the directories are recreated.
I have examined my Keychain and haven't found any relevant entries related to Bank of America that I can see.
My basic question is there some shared area that all browsers will plug-into on a Mac where this setting that is obviously throwing a monkey wrench into play?
Any ideas?

muntada --
Welcome to Apple Discussions.
Below is the link to a thread where this was discussed.
I think your solution is getting rid of the B of A cookies.
Please read:
http://discussions.apple.com/thread.jspa?messageID=8329050&#8329050

Firefox Doesn't Seem to Remember Bank of America Website?

Firefox doesn't seem to remember Bank of America's website. Everytime I try to log in it treats me like it's the first time I've ever logged into the website with this computer, i.e. making me answer security questions. I've tried it with Chrome and Safari and both work perfectly fine, Firefox is the only browser this happens with. Any ideas?

Details like websites remembering you (log you in automatically) are stored in a cookie.
*Create a cookie 'allow' exception to keep such cookies, especially in case of secure websites and when cookies expire when Firefox is closed.
*Firefox > Preferences > Privacy > Cookies: Exceptions
In case you are using "Clear history when Firefox closes":
*do not clear the Cookies
*do not clear the Site Preferences
*Firefox > Preferences > Privacy > Firefox will: "Use custom settings for history": [X] "Clear history when Firefox closes" > Settings
*https://support.mozilla.org/kb/Clear+Recent+History
Note that clearing "Site Preferences" clears all exceptions for cookies, images, pop-up windows, software installation, and passwords.
Clearing cookies will remove all specified (selected) cookies including cookies with an allow exception that you would like to keep.

HELP Past Due Plan on a never activated line ... please

I feel terrible about a situation which involves my cell plan especially since I very much like Verizon Wireless considering its the only option apart from US Cellular in our area.
Anyway ... I thought everything was cleared up until I am getting hit with a plan past due which says it is $900 ... what the ?? It breaks a little piece of me inside because I do not have that full amount plus I never activated the line in question. I returned the line / phone to Wirefly who in turn hit me with there own fees.
I never used ths phone in question. I always pay my Verizon bill that I currently have so this upsets me. Due to the past due coming from the other line which I never used I am not able to update my current plan. Wirefly went and made a whole new plan when I stated online it was an Add a Line , the phone in question was returned tho' because it was not needed anymore as the person changed there mind about being on the plan. So, it was never activated ... how could they be charging for this ??
I do hope this is making sense. $900 for a phone never used is quite steep. This is coming from collections from Verizon Wireless for some reason tho' it was never activated.

I paid the outrageous fee to Wirefly even after they had said to me that I would not be charged then turn around and charge me.
The $900 is coming from Verizon collections because for some reason they think I have a whole new plan due to what Wirefly did instead of adding a line.

Bank of America Past Due Question

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