(On Behalf of Plaintiff and All Classes)   43.  Plaintiff re-alleges and hereby incorporates by reference Paragraphs 1  through 42 above.   49.  Plaintiff re-alleges and hereby incorporates by reference Paragraphs 1  through 48 above.   56.  Plaintiff re-alleges and hereby incorporates by reference Paragraphs 1  through 55 above.   57.  Plaintiff Thomas submitted timely payments to Defendant Bank of  America to be applied to his credit card account maintained with Defendant Bank of  America.   6.  Plaintiff Thomas is an independent contractor who provides computer  programming services.    7.  In or about June 2015, Plaintiff Thomas obtained an Alaska Airlines  Signature Visa credit card through Bank of America (“Alaska Airlines Visa”).     8.  On January 28, 2018, Plaintiff Thomas made his monthly online payment  that was due on February 6, 2018. Plaintiff Thomas inadvertently paid $345.00, instead  of the $348.00 that was due. Plaintiff Thomas did not receive any notification when  making his payment that would have alerted him that the payment was $3.00 short, e.g.  “The payment  you have scheduled is less than the amount currently due. Would you  still like to proceed?”.    9.  On January 29, 2018, Plaintiff Thomas’ payment posted to his Alaska  Airlines Visa account and reflected payment of $348.00.   CONSUMER PROTECTION ACT, RCW 19.86, et seq.  (On Behalf of Plaintiff and All Classes)   THE FAIR CREDIT REPORTING ACT – 15 USC § 1681n and 15 USC § 1681o  (Plaintiff Thomas)  