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Delayed Online Bill Pay

Posted Mon February 1, 2010 6:36 pm, by Sukhdev S. written to Bank of America

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I regularly schedule online payments through Bank of America's website. Out of 12 payments made through online bill pay system, three were defaulted for late payment. 25% default is a pretty bad score for online bill payment system. I do have the copies of checks which were defaulted for late payment in April, June and July 2009. With this high late delivery rate, how can Bank of America expect people to have faith in any of their commitments? For the delayed payments beyond 15th of the month, I was levied a fine of $50 for each late payment. I could convince the payee, MalibuEast Condominium Association, to waive the late fees. However, I still have one late fee to pay for. The payments were actually sent by Bank of America on dates they were supposed to be delivered. All the three payments were delivered past the 15th of the month.

I would urge Bank of America to refund me $50 levied to me as late payment fine for July 2009.


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by NathanG Posted Tue February 2, 2010 @ 8:49 AM

It all depends on who it is going to. I have bills that pay next day
if its setup electronically on both ends, and I have bills that get
mailed out from BoA that can take up to 7 days.

You need to check who its going to and the approx date for delivery.
I said "approximate" because BoA cant control the mail, or how its
processed once its recieved.

I have had BoA and used the online bill pay for over 5 years and only
had 1 bill get lost to my electric company. BoA actually paid for the
late fee and resent the check.


Since these payments.. by Harleycat Tue February 2, 2010 @ 8:58 AM

by ST Posted Mon February 1, 2010 @ 8:28 PM

I will have nothing to do with BofA, but with my bank (WF) Bill Pay
system, you specify the date for the payment to be made. You have to
allow a few days for the payee to recognize & process the payment you
make. If they're sending the payment on the specified date, what is
it they're doing wrong?


by Donno Posted Mon February 1, 2010 @ 7:02 PM

"The payments were actually sent by Bank of America on dates they were
supposed to be delivered"

Is this not what is supposed to happen? I don't use automatic bill

Was it the same payee each month? What explanation is there for why
the payments were late, and what was changed after July so that the
problem did not happen again? Were there any conversations with BoA
to determine who was at fault?


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