<prompt> Human: Backstory:I have a Bank of America credit card that has a high credit limit, low interest 9.9 and Ive had it for almost 15 years. It was originally a Visa through my credit union, but in 2008 when the banks collapsed, Bank of America bought it out and now my card belongs to BOA. Fast forward to 2010, I open a photography studio and use this card to facilitate various purchases for my business. It winds up with a high balance around 10,000 after various ventures fail to work out. Fast forward to October 2015, my business turns around and I pay off the card in October. I began paying 985.09 a month in the previous 12 months to pay off the remaining balance within the span of a year. Come October 24th, 2015, I make my final payment taking the card to a zero balance. On December 24th, 2015 I awoke to find a notification from BOA that my payment of 985.09 has been received. I immediately check my checking account and sure enough, it has been deducted. I double-check my BOA statements and show no activity at all this year other than my payments and the zero balance. I immediately contact BOA and speak with Kathleen who advised that they deducted 985.09 incorrectly due to technical difficulties. She advised they would refund the full amount in 2-5 business days. Obviously, they pulled this shit on Christmas Eve, so I have had limited funds to travel with. Today is Sunday December 27 and still no sign of the money returned to my account. Other than the refund and a heartfelt apology, do I have any recourse at all to recoup the money due to the shitty timing of all of this? I shifted money around so I avoided any overdraft fees, etc. But, this has been a huuuge pain in the ass to deal with on Christmas.Also, it may be helpful to add that this is not the first time this year they had technical difficulties with my account. Twice they incorrectly calculated my interest charges and overcharged me. Total, the incorrect charges were just under 400. I watch my accounts like a hawk and I just happened to notice the errors while reviewing my statements. BOA did immediately refund the charges without any problems. I wonder how many thousands didnt catch their errors in Bank Of Americas favor.Any advice?  <response>: Couldnt you just use the credit card for expenses until the money is back into your account? Are you sure these payments werent set up as recurring as opposed to based on the balance of the credit card? If automatic, make sure you cancel the payment series. 