Quick Answer: A class action lawsuit alleges Bank of America’s automatic payment system double-charges credit card customers who pay early. If you use BofA’s autopay with “statement balance” selected and make mid-cycle payments, check your statements immediately. One plaintiff claims he was overcharged more than $2,000.
If you have a Bank of America credit card with automatic payments enabled, you may want to check your recent statements carefully.
A class action lawsuit filed in federal court alleges that BofA’s autopay system has a flaw that charges customers twice when they pay their balance before the due date.
What the Lawsuit Alleges
According to the complaint, when customers select “statement balance” as their automatic payment option and then make an early payment during the billing cycle, Bank of America’s system still processes the full “New Balance Total”—effectively charging them twice.
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The named plaintiff, Nicholas Sdoucos, claims he was double-charged over $2,000. When he contacted the bank about the error, he alleges BofA:
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- Offered no way to prevent it from happening again
- Required him to wait until the money was withdrawn before requesting a refund
- Provided no guarantee he would get his money back
Are You Affected?
You may be part of this class action if you:
- Have a Bank of America credit card
- Enabled automatic payments through BofA’s website
- Selected “statement balance” as your payment option
- Made a payment before your due date (mid-cycle)
- Were then charged the full balance again on your autopay date
Check Your Statements: If you use BofA autopay and pay early, review your last 6-12 months of statements. Look for duplicate charges or payments that exceed your actual balance.
Other Customers Report Similar Problems
Multiple consumers have reported experiencing the same issue. According to reports compiled by Top Class Actions, some customers say Bank of America refused refunds outright, while others faced 7-10 business day delays to get their money back.
This creates a real problem for consumers living paycheck to paycheck—having hundreds or thousands of dollars unexpectedly withdrawn can trigger overdrafts, missed bills, and cascading financial problems.
What to Do If You Were Double-Charged
Steps to take:
- Review your statements for any payments larger than your balance
- Document everything—screenshot charges, save statements
- Contact Bank of America and request a refund in writing
- File a complaint with the CFPB if BofA doesn’t resolve it
- Consider joining this class action if you were affected
Case Details
- Case: Sdoucos v. Bank of America, Case No. 1:25-cv-13845
- Court: U.S. District Court, Northern District of Illinois
- Filed: November 11, 2025
- Status: Active—investigation ongoing
The Bottom Line
This case is still in the early stages—there’s no settlement yet, and Bank of America hasn’t admitted any wrongdoing. But if you’ve been double-charged, you’re not alone, and documenting the problem now could help your case later.
And here’s the bigger lesson: always check your statements. Autopay is convenient, but it can also hide problems you’d catch if you were paying manually. A few minutes reviewing your charges each month can save you from headaches like this.
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Sources
- Top Class Actions – Primary reporting on the class action lawsuit and consumer complaints
- CFPB Complaint Portal – Official resource for filing banking complaints
Frequently Asked Questions
Is there money to claim from this lawsuit?
Not yet. This is an active lawsuit, not a settlement. If a settlement is reached in the future, affected customers may be able to file claims. For now, the important step is documenting any double-charges you’ve experienced.
Should I cancel my Bank of America autopay?
That’s a personal decision. If you want to keep autopay, consider avoiding mid-cycle payments until this issue is resolved. Alternatively, switch to manual payments so you can verify each charge before it’s processed.
What if Bank of America won’t refund my double-payment?
Document their refusal in writing, then file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. You can also contact the attorneys handling this class action through Top Class Actions.
How do I know if I was double-charged?
Review your credit card statements and bank account. Look for: payments larger than your statement balance, two payments in the same billing cycle when you only made one, or autopay charges that processed after you’d already paid manually.
Can I join this class action?
If you meet the criteria (BofA credit card, autopay enabled, “statement balance” selected, made mid-cycle payment, got double-charged), you may automatically be part of the class. Check Top Class Actions for updates on how to formally join or provide your experience.
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