Bank of America BankAmericard Minimum Interest Charged on NO Balance due! Wilmingoton Delaware

11/2021, I took out a balance transfer to save a lot of money.  The transaction fee was paid and the transaction completed.  The debit/cc itself had a zero balance.  

12/2021, I paid $1,000 more than the 'minimum due' before the due date.

01/03/2022, again I paid $1,000 more than the 'minimum due' and before the due date.

01/20/2022, I had a charge to the debit/cc and paid it off in full 4 days later.

02/01/2022, again I paid $1,000 more than the 'minimum due' before the due date.

02/03/2022, I had a <$20.00 charge to debit/cc.

02/05/2022, I was charged $1.50 fee without cause, on a zero balance due.

02/18/2022, I reported to BOA of the $1.50 charge via phone.  He read the agreement and stated the charge was not disputable and non-refundable.  I asked what was the charge actually for, not under what circumstances to which I can be charged.  He looked and could not find an answer.  He then put me on hold and reported this incident to another department.  He then stated the other department also could not find a reason for the $1.50 charge as I always carried a zero balance, paid a mininimum of $1,000 more than the minimum amount due, and nothing to account for a $1.50 charge.  He informed me the other department agreed to refund the $1.50, to which I was refunded the next business day.  You are ABSOLUTELY correct.  Bank of America debit/cc are making mint off of others not reporting this baseless charge.  I will be reporting this to other agencies to investigate.  

I understand the agreement of a minimum fee charged if not paid within the due date.  You assume this is why I was charged the $1.50.  Your mistake.  I paid this entire amount way before the due date and argued that point with the Bank of America people.  If you don't believe me I will gladly send or submit a copy of the original bill showing date of receipt of payment to you for proof of why this was an error on their part and they would not adjust the charge.  You are free to your opinion, but I suggest you have the facts before you pass judgement.  Watch your statements if you are doing business with any card company.  Don't let them rip you off, even for a $1.50. 

Excerpt from Bank of America's Credit Card Important Terms Disclosure web page:

We will not charge you any interest on purchases if you pay your entire balance by the due date each month... If you are charged interest, the charge will be no less than $1.50.

You wrote, "when you pay within the grace period, you will still be charged this fee", so apparently you paid after the due date; therefore, it is not a rip-off because the charge is within the boundaries of the credit card agreement.