Bank of America class action lawsuit overview:
- Who: Bank of America (BofA) is facing a new class action lawsuit.
- Why: The class action alleges the bank’s automatic payment system double-bills customers.
- Where: The Bank of America class action lawsuit was filed in Illinois federal court.
A new class action lawsuit filed against Bank of America alleges the bank’s automatic payment system double-bills customers who make a payment in the middle of a billing cycle.
Plaintiff Nicholas Sdoucos filed the class action complaint against Bank of America on Nov. 11 in Illinois federal court, alleging violations of the North Carolina Unfair and Deceptive Trade Practices Act and the North Carolina Debt Collection Act, breach of the implied covenant of good faith and fair dealing and unjust enrichment.
Sdoucos alleges that BofA’s automatic payment system double-charged him more than $2,000 because he made the responsible financial decision to pay off his card balance in the middle of a billing cycle.
Bank of America’s automatic payment system debited his account a second time, leaving him thousands of dollars in the lurch, he alleges.
Sdoucos claims the bank’s automatic payment system is confusing and misleading, and that Bank of America profits from retaining the money it takes from customers’ accounts without notice or warning.
He claims the bank refuses to pay interest on the amounts wrongfully taken and requires consumers to navigate unreasonable hurdles to obtain refunds.
Bank of America double-bills customers who make mid-cycle payments, lawsuit alleges
Sdoucos says he set up automatic payments to pay off his credit card balance each month to avoid interest charges and fees.
He claims he paid off his statement balance mid-cycle but BofA did not adjust its automatic payment to account for the earlier payment.
As a result, the bank double-dipped and re-billed him for the amount he already paid, he alleges.
Sdoucos says he contacted BofA to address the error but was told there was nothing he could do to stop the double payment.
He says he was informed that he would have to wait for the money to be withdrawn and then request a refund, with no guarantee that the money would be refunded.
Sdoucos is looking to represent anyone with a Bank of America credit card who enabled automatic payments through the Bank of America website, selected the “statement balance” payment option, made a mid-cycle payment and was still billed the full “New Balance Total.”
He is suing for breach of the implied covenant of good faith and fair dealing, violations of the North Carolina Unfair and Deceptive Trade Practices Act and the North Carolina Debt Collection Act and unjust enrichment. He seeks certification of the class action, damages, fees, costs and a jury trial.
Earlier this year, BofA faced a class action lawsuit claiming it failed to respond to borrowers’ requests for information and requests to correct errors related to their residential mortgage loans.
What do you think of the allegations made in this Bank of America class action lawsuit? Let us know in the comments.
The plaintiff is represented by Hassan A. Zavareei, Katherine M. Aizpuru and F. Peter Silva of Tycko & Zavareei LLP and Shaun Spector of The Law Offices of Shaun Spector PLLC.
The Bank of America class action lawsuit is Sdoucos v. Bank of America N.A., Case No. 1:25-cv-13845, in the U.S. District Court for the Northern District of Illinois.
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23 thoughts onBofA class action alleges bank double-bills credit card customers
BOA also keeps $$ paid back to them and continues to defamate the client who they were reimbursed for. This is not only a violation of Fair Credit Act, but also Cares Act, and various other laws. Looking for Attorney to sue BOA actually, so please do contact me.
I have been double billed I have been charged or they gave the fraudulent company MetroPCS approval and denied me and I only did what they told me to do however they credited me back the ones that MetroPCS was trying to get a second line on the phone that I had to turn in that Bank of America told me to do and they would handle it. I even went up to the branch of the branch manager said well at least you got a half of that $250. But no I just got credit for the fraudulent charges which were the monthly payments for the MetroPCS. They deactivate my account when I didn’t even know it and then next I know I have got to get another car and at one time I got the same card number. I have so many issues Bank of America since I’ve been back to North Carolina and now I’m waiting on another card and they want to charge me $15 to expedite it when it was their error because I did not get an alert. They’ll billed not receiving credits do me! So many issues that I have a stack of America Bank of America debit cards and now I’m getting another card when I just received the new card that they deactivated November 26th! I’ve been a member for a 29 years and I have never gone through so much since I came back 3 years ago! I only get my Medicare and Medicaid card that’s my only income and now when I get the new card again which they want to charge me again $15 to send it by UPS and hopefully I’ll get it today last time they would have said they would expedite it and it took over two weeks!
I have over paid on my account and been over billed on my company account.
They ruined my credit. I kept every record and fought back with professionals. ForexFraudTeam (@ consultant. Com ) got me a $5600 settlement after investigation. BOA sealed all records for “ their safety “. You know what that means.
Bank of America approved fraudulent charges. They would stop by debit card without asking and send me another card sometimes same number on card!
So many duplicate issues since I came back to NC.
I am waiting on my new card I had just got the one they sent me and now I have to send all information again; I am on social security and that’s it!
Can u please add me I have A Personal And Business account with Bank Of America
Personal account issues
I had an account there on 2020 through 2024 and my card was stolen and a lot of transactions were made and I reported it and they denied my claims worth more than $2000 and my money just kept getting low after other transactions like I was being billed double…want justice and my money back. They’re not considerate for their customers.
I had an account there on 2020 through 2024 and my card was stolen and a lot of transactions were made and I reported it and they denied my claims worth more than $2000 and my money just kept getting low after other transactions like I was being billed double…want justice and my money back. They’re not considerate for their customers.
They took out two payments from our checking account. How can we join the lawsuit?
I was double billed for 1/1/26. I don’t even have automatic payments set up. I paid it ONCE and they took it out on two separate days. They “can do nothing for me” I have to wait til it posts, overdraws my bank account, then request a refund and it can take 7-10 days.
I was double billed and paid off early just to have them say they wrote it off and put it on my credit report
I was double billed!