ok.
i have a checking account, with bank of america.
a savings account, with bank of america.
and a credit card with visa (underwritten by bank of america).

this morning i went to withdraw cash and was shocked to find out my checking balance was down to 47$.

out of nowhere, a payment was made and authorized (or auto-paid) from MY checking to my credit card, paying off the whole balance of the card ($1,504.36).

i am not bat**** crazy, and would not empty my checking on a whim to pay off my entire credit card for no reason.
i have never had auto-payments set up. logically, the credit card and checking should never really talk to each other.

in nearly 2 hours of super-fun phone tag with BofA and Visa, i've learned the following:
- my bill was 28 days overdue
- because my bill was overdue, they were authorized to take funds from my checking to pay the credit card (to prevent me from getting my credit dinged, it seems. they're phrasing this as if it's a courtesy they provided me, and i should be thanking them for this, not criticizing it).
- instead of paying the paltry minimum payment, they/a computer (it's to clear which) paid off the WHOLE ****ING CREDIT CARD BALANCE, FROM MY CHECKING.
- BofA/Visa will not refund the payment. it's done. they're sorry i wasn't better informed.
- they cannot (at the time) produce any paperwork or contract they can send or link me to, explaining these terms explicitly. but they assure me, it's in there. and will work on sending over the most recent terms of my card.

WHAT THE ****!?
do i seriously have no recourse here?
how!?
am i crazy, for thinking this is crazy!?

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i am so vain. and yet, so masochistic. how can the two coexist?
-francesca woodman

blackmilk has savings accounts in two countries and owns property

hopefully my property is safe...
what will i do if they seize my pied-a-terre in Le Marais? or the condo in Aspen...

on the real though.
it did just hit me that my entire credit card is now paid off.
which is really... kind of a weight off my shoulders...
but, still, NO. what the ****!?

__________________

i am so vain. and yet, so masochistic. how can the two coexist?
-francesca woodman

I would not be surprised if this was somehow legal, tbh. Seems insanely ****ty, though, and there definitely should be some kind of recourse. There at least has to be someone you can talk to. Maybe you can find a lawyer that will give you five minutes for free and you can discuss it with them? I know a lot of laws were recently changed with the CC Bill of Rights, so something might apply.

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****phobia: The fear that a man will treat you the way that you treat women.

i have all three as well but this has never happened to me. are you sure you didn't do that drunk?

granted, i've never had enough money in my checkings or savings to pay $5,900 dollars off at once.