Bank of America Faces Class Action Over Alleged Double Charges on Credit-Card Autopay
By Rachel Dapeer · Published November 17, 2025 · Updated November 17, 2025
Quick Take
- A proposed class action alleges Bank of America ("BoA") withdrew full statement balances via autopay even after customers had already paid those balances manually.
- Plaintiffs say the system did not adjust to a $0 balance, resulting in duplicate payments without advance warning.
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Key Allegations
- BoA’s autopay allegedly processed the originally scheduled statement amount despite an intervening early payment.
- Customers report having no ability to cancel or modify the scheduled withdrawal once set.
- The complaint contends that this practice breached contractual obligations and consumer-protection laws.
How the Autopay Issue Arises
- The cardholder pays the full statement balance early in the billing cycle.
- The account reflects a $0 balance.
- On the due date, autopay still debits the original statement amount.
- Funds are therefore withdrawn twice for the same billing period.
Comparison to Other Banks
The lawsuit claims that competitors, such as Capital One and Chase, reduce or cancel scheduled autopay when an early payment brings the balance to zero. The lawsuit claims Bank of America could have made this adjustment as an industry-standard safeguard other banks perform.
Potential Class Members
The proposed class may include any BoA credit-card holder whose autopay withdrawals were executed after the account balance reached $0 due to an earlier manual payment.
Official Sources
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