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None. On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXX