A prospective bankruptcy client told me that Bank of America took money from his B of A bank account without notice to pay a delinquent credit card bill. The bank did not obtain a writ of garnishment, did not have a money judgment, and had not even filed suit. He wanted to know if the bank could seize his bank account without notice.
Generally, a creditor cannot get money from your bank account just because your bill is overdue until the creditor sues you and gets a judgment. It may be that the customer had a written credit card agreement with B of A for this card which gave the bank a right to take money without notice to pay past due bills. I am not familiar with terms and conditions of credit card agreements as I do not practice consumer law. If there was a written agreement to that effect the bank probably acted properly. Or, it may be the bank did something it wasn’t supposed to do.
Many people who might have difficulty sometimes paying credit card debt should read credit card agreements to see what rights the credit card company has to invade bank accounts maintained at the same financial institution.