Bank of America Credit Cards

I was seeking to do a balance transfer today from a very high APR card to a lower one at Bank of America. I have had a BofA card since 2009, with no issues. Anyway, I started out this morning with a $16,000 balance and 9.00% APR. Nice right? I called BofA wanting to use this card for a balance transfer. I was transferred to the credit department. They told me I had to add my wife as a co-applicant to qualify for this balance transfer based on my current income. So no problem, I told them I will make that happen. I called back an hour later to add my wife and I swear to God on my son's life... they informed me that my balance was reduced to $4,000 and my APR was 19.99 % now.

I am a full grown man and I about cried. I have never been dealt a blow like that from BofA. My only crime was that my income changed over the last few years but my credit is great. This destroyed all my plans to perform a responsible snow-ball payoff of my credit card debt. Not to mention that credit balance reduction will lower my credit score and make it harder to find a lower interest card. Some advice: If a Bank of America representative wants to transfer you to the credit department... hang up!

I started with BofA in 1979. In 2009, I had a checking account, saving account, vehicle loan and credit card account with them. I had never made a late payment or had any credit issues. That year, I made a $5,000 purchase on my credit card which had a $20,000 limit. Within two months, they had dropped my limit to $10,000. When I called to find out why, I was told everyone was doing this and they were just following the industry standard. The following month it was dropped to $7,500 and the interest rate went up. Again, I called and received the exact same answer. So they penalized me because they could. I paid half the debt and again they dropped the limit.

By 2010, I had had it with them. On 08-06-10, I requested the payoff on everything, issued payment in full on all accounts with a balance the same day and closed every account I had with them. In Jan of 2011, I found out they had been reporting me past due since September 2010 on the credit card and they were showing I owed them over $440. I had not received even one statement during this time. I have spent hundreds of hours on the phone, writing letters and even going to the branch that issued the card, to no avail. They have ignored every request to validate this debt.

Every phone call has ended up with them transferring me to at least five different divisions, including the fraud division only to have everyone tell me they can't explain what happened and eventually putting me on hold and disconnecting me.They don't care if they violate the Fair Credit Reporting Act. Every registered letter has been ignored. The branch flat out told me they would not be held responsible for any issues to do with the card because they aren't responsible for their credit card services. My only hope now lies with the Attorney General's office. Don't walk away from BofA, run!

In December 2011, I was notified that a suspicious charge was on my account. At that that time I spoke with a Mr. D at Bank of America. It turned out it was a charge that I had not authorized. Mr D suggested the easiest thing to do was to cancel my account which I have had since 1979 and get me a new account number, which was done.

When I go online, it shows the new account number and the correct balances. However, BoA has not sent the physical card to me. I have spoken by telephone with them, I have emailed them, and I have out and out lied to. I have been told the card was sent via USPS, sent via overnight mail. I asked the card be sent overnight so I am certain to receive it.

I reside in Thailand, and have never had a problem like this before. My last response from BoA was I needed to call them again. Can you help resolve this problem? If not, can you please get me the person's name who is in charge of BoA's Credit Card Dept.? If having an attorney would help, then please have one contact me.

I had a BOA credit card for over 6 years. My credit limit reached a high of $18,500. For the last 3 years I carried a full balance. I never had a late payment and always made the minimum payment and did not use the card at all till I had paid down my balance owed to $13,500. They cut my credit limit to $13,500 without warning. Ok that was annoying but it was just after the economy crashed so I didn't complain. I just paid my card off in full this month January 2012. 12 hours later they closed my account. They did not let me know. I have a FICO of over 700 and the only bills I have now are some small medical bills and car payment. I found out when Sirus sent me an email saying my auto-deduct payment was declined. This company is undependable and does not reward customer loyalty. I will do as little banking with them as possible and I will tell everyone I know about their business practices.

I was confused about the amount of interest I was being charged on my credit card and I had both an agent and a manager explain to me that I was being charged my APR each month. They were explaining that out of every $100 of balance I owe, I was paying $16.24 each month, when in fact that is not true. In fact, I am paying a daily rate which is 16.24/365 X number of days in the billing cycle. I asked the manager, Patti, to calculate for me the actual interest rate charged on the monthly statement so I could understand how it was calculated, but she couldn't do it. She didn't understand how to do the calculation and then proceeded to tell me (with a raised voice) that it is my responsibility to understand the terms and agreements, and not theirs. I explained that I understand it's not their responsibility to manage my finances, but it is their fiduciary responsibility to be able to explain and advise the financial terms accurately and in a manner that I will understand. She said it's not.

My complaint is that how can financial professionals be put in these positions and not understand how to explain such an important product? But for my probing and research, I would have been led to believe something that was incorrect. This is alarming to me and I hope more stringent regulations are put in place that police the activity of professionals that don't know what they are saying. This has to be one of the reasons our country is in a financial hole right now. Yes, I think we must all understand and manage our own financial info but shouldn't our financial advisers be held to the higher standard of financial understanding so they can accurately relay that knowledge to the consumer?

I have automatic withdraw from my bank account. So I simply change my monthly payment to the minimum amount via mail and they received and acknowledged. They impose a $25 late fee to my surprise. I always have money on my account and B of A still did not remove the $25 late fee! Question: why B of A imposed that late fee?

I paid for Credit Protection Plus for many years on BOA credit card. I had moved to another state and gotten work as a dispatcher at the county sheriff's office. We were assured that we had jobs and that the economy would not be a risk factor. Three months later, I was laid off with two other dispatchers. I then returned to my home state and applied to BOA Credit Protection Plus for unemployment and was denied because I had not worked at that job long enough and was, therefore, not qualified for unemployment benefits. I did not get upset and understood this decision.

I continued to look for work. I actively sent out resumes for my previous type of work, which was as a medical transcriptionist. I actively continued to seek work until July 2011. Then at the end of July 2011, after many years of continuing declining health, I applied for Social Security Disability. I had heard that it took years to get and most people required a lawyer. I sent paperwork that I had, along with diagnoses given to me with lab work and received my Social Security Disability in 3.6 months. I immediately called Credit Protection Plus. They said that their rules were that I had to have been disabled within 7 days of my last job. I told them I had been laid off.

They said that were their rules. I actually had been disabled longer than that, but had continued to work through the pain I spoke with my doctor and he agreed that I had been disabled at least that long if not longer and he filled out a form for me stating such. I was then denied because the date was over 300 days past the date I reported it; therefore, I was ineligible. When I tried to send the date given to me by Social Security as the date my disability began of 04/21/2011, they would not accept that, stating that a physician's date was all that could be used. Therefore, I have paid for Credit Protection Plus for approximately 4 years with nothing to show for it. Tell me, what was done wrong here? I continued to search for work and even told them this. They ignored that fact.

I then wrote Brian T. Moynihan, the President and CEO, who assigned an "advocate" for me. This man's name was Michael **? He spoke with me once on the phone, put me on hold and came back and told I was not eligible. I was never informed about the "over 300 days" rule prior to the time I applied for my credit protection plus. I told Michael that "I hope you can sleep at night because you know that I am disabled and you are not being an advocate at all." About ten minutes later he phoned back offering to let me have a "few months" of no payments for my move to another state (also over 300 days ago). I do not understand this. They are willing to let me have a few months for a move, which was performed over 300 days ago, but would not honor my permanent disability over 300 days of reporting? This is all more of the same greed that I have heard about on the news concerning Bank of America. No attorneys can help me with this because I have no money!

I called Bank of America when I became unemployed to discuss with them my situation and work out a plan that they would be satisfied with during the few months I would not be able to make my normal payment. They were very nice and told me about a program they had that were for people in my situation. They would lower my monthly payment with the agreement that they would close my two cards so I could not use them and they would draft the monthly payments directly from my checking account to ensure they got their payment. They ensured me that this way this situation would not affect my credit. They withdrew the money every month and I was completely satisfied with the plan.

I went to apply for a home loan and the loan officer informed me that Bank of America is reporting that I was 90 days late on both cards on the program I worked out with them. I called them, furious about the situation and all they said was that other people had complained about the same thing and there was nothing I could do but write them in writing and hopefully they would remove it from my credit. They said that what happened was that the representative that set up my plan had created a draft date on my checking account that was after the payment was actually due, so as a result my payment was late every month. I have had no response from Bank of America about either card and am unable to buy a home or get a low interest rate on a car loan because of it.

I called to inquire about my transfer options. I had recently paid off $6200 of the $12200 balance. After answering a couple questions, the woman cut my credit limit $14000. I have a credit score in the high 700's, I've never been late with these people. The supervisor, Amy Edwards, stated that hit had nothing to do with my record as a customer and strictly about the numbers.

So, my tax dollars bail them out and they squeeze me. Bank of America is the worst institution of all the banks out there. I plan on paying off the remaining balance and closing the account. If they try to talk me out of it I swear I'll scream. People should stay as far away from this bank and their financial products as possible. The lawsuit against them for their mortgage practices is just the start.

Bank of America is out to ruin the United States of America.

I was out of town for 6 months, and was not able to arrange for the credit card payment of around $30. I came back and called BOA credit card. A/C was blocked (which was fine), and the balance was $240. I requested the account to not charge the fees for late payments, etc, as I was not in town, and no family member was there to take care of the balance. I was informed that it was an oversight. I was advised to make the account current, by paying in full, so that the bank could restart the account and then refund the fees. That was done immediately.

When I asked the bank to do other things, like reopen the account and refund the fees, the bank said that they could not do either. I was transferred to several departments, and the result was it is not possible. When questioned about the statement of the previous agent about the process, the answer was the bank would try to do this, but it was known that it was not possible to do anything.

The bottom line is that, the bank did not inform me that it was not possible to do anything, and that I had to make the payments, or face the consequences, but I was misinformed that it could be worked out. This is improper, and the bank misrepresented to me all the facts, and did not tell me that the bank had no options but to collect the dues in whatever manner, and there were no options of reopening or crediting the account with the fees charged. This is misrepresentation.

I got an offer for a Bank of America credit card with an introductory rate of 0.9% for 6 months, given that there were no late payments. After that, the interest would go up according to payment history, etc. I paid every month, on time. On the 6th month, I received a statement saying that my last payment was 2 days late, therefore, my interest was being set at 23.99%. What?

I had mailed in the check 9 days in advance of the due date and told them so. I am totally convinced that they kept my payment until it would be late so they could up my interest. After repeated calls to Bank of America, telling them I know it doesn't take 9 days for a first class letter to go from Michigan to Delaware, they told me to "prove that it arrived on time." I told them to "prove it didn't".

I then informed them that I could not make the higher payment, to which they told me, "Well, you'd better or we will garnish your wages." At that time, I had no wages due to disability and my boyfriend was paying my bills, his bills and supporting our 2 kids. We just didn't have $97.00 a month to spare. After these conversations, which went round and round, I was then given to a lovely man named **. What a jerk.

He threatened, belittled, insulted, and name-called. I was call a 'deadbeat', 'loser', 'burden to society' (WTF! I had been working all my life, starting at the age of 13!) and "People like you are the reason the US is in the state we are in. You think you can just rack up all these bills and not have to pay them. You are going to jail for this, honey." He then proceeded to ask about my disability and I asked him did he have an MD's license.

I repeatedly demanded to speak to his supervisor, to which he replied, "He won't help you. Who do you think trained me?"' Eventually, after a year of harassment from **, I was sent a letter to settle the debt from $4,500 to $1,200. Promptly after I received the letter, ** called and assured me that he didn't make the offer because he wouldn't waste any effort in helping a, "deadbeat like you." I told him I could not come up with that amount in one fell swoop and he asked if I had any friends or family that could loan it to me, and I said no.

He then said, "Oh, I see. They are a bunch of losers like you." This man was an abomination and I want to know if this kind of harassment is even legal. I tried calling the number hoping to get someone else, but as soon as I said my name, I was transferred to him again.

This all started 5 years ago and for the last 2 years, I have not received any letters, collection notices, nothing... until a sheriff arrived at my door with a summon from them. They have not contacted me in 2 years to try and settle this but sure can find my address to serve me. My family has always banked with Bank of America since I can remember. Stupidly, I trusted that they were honest and above consumer fraud, which I fully believe they did. Even if the payment was late, which I know it was not, that still doesn't justify raising the interest to 23.99%.

What a scam. I am totally disgusted with them. The government should demand the bailout money they gave them for failure of proper business practices.

Bank of America and **, you suck! And you people are the reason the country is the way it is today, not me and the other poor suckers you are scamming. If you practiced honest banking, you could save millions on lawsuits, collection agencies and court fees. Duh!

They first keep mailing you checks every week, saying that 0 interest on balance transfer. I was first very cautious about it considering the whole picture of the bad economy. Finally, I decided to do a $15000 transfer. I called a number to confirm. The guy told me he can do it online, you do not have to go to the bank to deposit the check. I agreed and paid $600 transaction fee. Later, I found they charged me at the rate of 17%. I called them, they insist that I do not have promotion on the transaction. Now I have to pay the money back and close the account, no one would borrow money at the rate of 17% these days. But, Bank of America robbed me about $1000 in two months ( $600 plus two months interest).

Someone stole my identity and BOA accepted my $6000 deposit but they put it into the "other" person's account instead. Finally got that straightened out, but then the "other" person got a credit card under my name too and I filed all the necessary paperwork with the police, etc. However, though BOA wiped out my debt for the credit card in my name they turned the balance over to a collection agency in my name. Now I am getting demand notices for a credit card I never had. I cannot get this "other" me's balance off my credit bureau!

I have been a customer of Bank of America credit card for six months. When I signed up, I noted in my mind their condition of no annual fees. I thought that was good. However, this last month, BoA kept sending me mails after mails saying I should use their "checks" to avoid the annual credit card fees. I wasn't too sure what this was all about and didn't have the time to call and check on this. The mails kept coming. I think I must have received like 4-5 letters on this same topic in less than a month. I finally got convinced that BoA credit condition was going to change and I might have to start paying annual fees. So I used their enclosed check to pay for my rent which I normally just have deducted from my checking account.

Today, I find this steep 'check transaction fee' being charged from my credit card. I called their customer service center to find this simple and totally not customer service answer, "Ma'am, we wrote it in those fine prints that there is going to be this transaction fee so we cannot waive the fee for you or even cancel that payment. By the way, we know we sent you all those mails about you having to avoid the annual credit card fees but actually you already signed up under a no-annual-fee condition so you just needed to ignore those mails because they were meant for other groups of customers. Thank you for your business with Bank of America and have a good day."

Right, have a good day? That was very unprofessional of them. I am a busy professional who do not have the time to read all that fine print. If your bank keeps sending you personalized mails after another, what are you supposed to think? Why do Bank of America send mails out to all their customers about the things that do not apply to them? My belief is that you can expect your bank to actually communicate to you versus just sending you junk mails. Apparently, I was wrong. Thank you, Bank of America. Keep doing what you do. You have just lost another customer.

Last year, I ran up both BOA cards for $120,000 for some great investments. I paid them off in full, with no delinquency. BOA immediately dropped personal card credit limit to $3,000. Thanks, guys. So that's how you are. I ran up the remaining card to $70,000. I started paying down again. First $4,000, then the balance in the next month or two. As soon as I made that first payment, BOA closed both accounts, and demanded payment in full. Again, no delinquency, no warning. This kind of decision making boggles my mind, and makes me quite angry.

I still owe $65,000. Maybe I'll go delinquent for the first time, and let them beg for money. I can pay it, but you can't get any attention, unless you ** with their money. Yes, they can ** with my credit score, but at my age I don't really care. I had a minor issue with bounced transaction. I switched over to another account.

I have a credit card account with Bank of America. I used the card for services from an online training company. The training was supposed to be for about 8 weeks, everyday for 1 hour. Along with that, when I registered for the training, the company in the receipt mentioned a satisfaction guarantee, or they will refund the money. After being in the training for 3 weeks, I was still not provided access to the training material. Also, the company that was providing the training disappeared. I tried contacting them numerous times through phone, as well as email, without any response.

I then initiated the dispute. The bank was willing to start the dispute, but during the dispute process, they did not contact me or ask me for my side of proof, which I could provide, and afterwards, they contacted me and said that the dispute is resolved in the vendor's favor. My issue is that in a dispute, both the parties has to present their case or proof, before you resolve the dispute. How can you resolve a dispute, with involving just one side, without contacting the other party for proof, as to why I am disputing the charge. In the meantime during the dispute, I went with another vendor, and received the training. My account was charged by the disputed vendor. I ended up paying twice for a service, which i should have paid for once.

I have perfect credit history with B of A. I have 9 mortgages, 2 credit cards and a checking account. I have never missed or been late with any payment to B of A. I have never bounced a check or over drafted my account. I called and asked if my interest rate on my credit card could be reduced from the 10.99% I am currently being charged. They told me they would have to run my credit in order to make a decision. After running my credit, they saw that I am behind on several mortgages (none B of A) because I am in the process of loan modification. They retroactively lowered the line on one card by $9,200 and cancelled the other card. I am paying $2,000 off my card every month and am paying over $3,500 in principal payments on my mortgages and they are worried about me being a credit risk, come on. I am also a B of A Stockholder. Now, I know why my stock has lost so much.

I am an active online banker with BoA. As a protection to my checking account, I probably use their line of credit 2-3 times a year. I always pay it off immediately when I see a balance on the Account Overview screen. Now, who would think that over several months, a balance is quietly growing, interest charged that does not show itself on the Account Overview screen. Ding! My Excellent rating on my credit report is now down to a good, dinged 100 points due to what started out being 60 cents becoming $9 over time delinquent.

I consider that a complete act of fraud if it shows me I owe them nothing. And get this. The guy I spoke to today said that there is a notice on the site (couldn't find it) that says that figures may not be accurate. So for what? 4 months inaccurate? Give me a break. They said they recognized the problem with the AO screen and said they would fix it. Then they said today sorry, it wasn't their fault. Tough luck lady.

I have been married for one month now. I called BoA to ask for a new card with my new name on it. All that is needed to be done, was print a new card! Unlike other credit card companies who congratulated me, they did no such thing, and if anything, were rude and not helpful. She proceeded to run my credit. I did not give any consent for her to do so. I don't think it is necessary to run my credit again. I pay my bill on time each month, and there are no problems. I even received a credit line increase in the beginning of this year! However, she told me that they were cancelling my account, and wanted to know exactly why I was late on two car payments this year? And because of this, they would no longer keep my account open!

I work, take care of my 2 year old son, go to school finishing my master's degree in education, and am a productive member of society. My husband is an active duty military, defending our country, yet I can't even have a credit card. That is pretty sad. Obviously BoA does not care about its customers, and will just cancel you without any attempt to help you. I will now close my checking/savings account, as well as my son's savings account with them. I hope they go under, and I hope everyone else heeds my warning, and does not do business with them. They do not know what customer service means. They just went ahead and closed my account.

Calistoga, CA BoA. I went to apply for a secured card. How long will it be before I can use the money? 5-7 business days? Wrong. "Someone" ordered a second card, sent to the house, the bank could not explain why, maybe an employee "pushed the wrong button"? What? I made a payment on 12/8/11 taken from my bank, "applied" to my account, but I was not able to use funds. BoA's reason was a) I had used an "access check". No, I hadn't; b) "Fraud protection" was a third party holding funds and on and on.

I attempted on 12/15/11 to pay the vet $58 bill. Zero balance on my secured account, credit line $300 declined! How embarrassing. I spent hours on the phone, in the branch, and was promised funds would be available following day. They were not. I closed the account. The bank staff wrongly informed me that my credit would not have another "hit", wrong again. The Calistoga branch needs to be trained as to their product and rules.

I purchased tickets on British Airways US web site with the BOA Credit Card and I got a foreign transaction fee (3%). The Bank of America fraud department declined the transaction at first and called me to confirm that I was making the charge but did not mention that the transaction was being made out of London and that a 3% fee will be charged. I called BOA and requested to add to my account profile to decline transactions processed outside the USA. BOA told me that such option is not available and that there is no way for them to know where the transaction is being processed until the fee is charged since it is done automatically. I believe consumers should have the right to know when a transaction fee is expected and to have the choice to decline such transaction. This is not beneficial for the credit card company since they are probably making a lot of money of unsuspected consumers such as myself. When I requested BOA CC an e-mail address or mailing address to provide my suggestion/feedback, I was told there was none.

I have done business with Bank of America since 1996. I have several accounts with them savings, check, investment, 2 credit cards, etc. My B of A credit card account ** has had an $8,000 limit for quite some time. My credit is good (652), and I have never been late for any payments and I pay double the minimum amount due.

Yesterday, 12-15-2011, I was buying Christmas presents when I was declined. I found out that B of A reduced my credit line down to $200 over my balance, 10 days before Christmas. I called B of A credit department, David **, and was told there was nothing he would do for me... that I was S.O.L! They reduced my credit due high balances seen on some other cards from other companies (it's the freaking holiday!). I was not able to buy Christmas presents and I had to cancel my plans to travel home for Christmas. Thank you Bank of America for stabbing me in the back for Christmas! That's how B of A treats it customers! Like crap!

I am deployed to Afghanistan as a civilian and converted over to BofA's "Green Paperless" method for getting my statements. I check my MasterCard statement to confirm the charges are correct before paying online. Currently and for the last two (2) days, BofA website will not provide my statement and says, "This new service will begin with your next statement. Please check this page again after your next statement closing date." I have been using this online statement service for months now and it is not "new." BofA, through their chat room (Connor), offered to send the statement by mail; however, by the time it arrives, I will most likely be late for my payment. Therefore, a consequence would be to pay for an unauthorized charge without recourse. BofA does not appear ready to resolve this situation except send me to phone answering machines that make it very difficult to talk to a real person.

I have had a revolving line of credit with Bank of America since 1997 and have paid it faithfully every month, often paying more than the minimum. Out of the blue in Oct. 2011, I got a demand letter stating that the "loan" is maturing by 12/25/11 and I must pay the entire balance of $43,000 or I go into default! I have no such "loan" with B of A and the only docs they show is my application for this line of credit which is unsecured and their statement that they can change the terms anytime they want! I am furious and am not able or willing to come up with the full balance and want assistance. What can I do? I have been in communication with the Bank and they are still demanding this full payment.

I am attempting to redeem my struggling credit after my divorce. I have attempted to keep up with the ridiculous fees I was incurring with my BOA credit card. It got to the point that it no longer made sense to do this, because there was no way I could get ahead and pay down the balance. I decided to turn to professional help with credit card consolidation, to get my credit back on track. I had previously spoken to BOA about making a monthly payment, and authorizing said payment, by giving them my checking account number for a specific future date.

Immediately after joining the credit consolidation program, I called BOA, and revoked the right for them to take the future payment set for withdrawal in 3 days. They said they were making a note, that I was stopping payment on the account because of consolidation. I thought the matter was taken care of and hung up the phone. I was told that paperwork would be sent to BOA from my consolidation company, which it was.

Days after my conversation revoking BOA's permission to take a $400 monthly payment from my checking, BOA took the payment anyway. I contacted BOA and told them what happened, and they said it would take 3-5 business days for the money to go back into my account. Once those business days passed and the money was still was not returned, I contacted BOA again. I was told this issue went to a special dispute division, and it would actually take 7-10 business days for the money to be returned, but it was pending, that my money would indeed, be returned to me.

Ten days later, the money still wasn't there. When I called BOA, they told me it was denied, because I was over my account balance. They completely disregarded the fact that they were no longer authorized to take the money from my checking account in the first place. I am calling BOA back, and speaking to a supervisor, and I would like to know what legal action, if any, I have the right to take. The consequences right now are that, I am out $400 that BOA doesn't plan on returning to me, while I'm trying to do the right thing, and get my credit back on track.

A couple of weeks ago, my husband activated a new credit card. During that call, he was offered the option to transfer a credit card balance at which point he handed the phone to me. I decided based on the information presented to me by Cory ** that it made sense for us to transfer $5000 to his credit card. However, it was not disclosed to me that there was a $200 fee. We intend to pay off the balance before the end of year and had we kept the balance with American Express, we would have incurred lower fees in interest. I would have never agreed to this had I known there was a fee. I even asked if there were fees associated with an early pay off and was told there were no fees associated to the transfer.

I spoke to three different people at B of A tonight and no one is willing to reverse the fee. I have been a customer for 20 years; we have two mortgages with your institution, two savings accounts, two checking accounts one of which is a Prima account, and both of our children have savings accounts. We decided to stand by them during the debit card fee debacle, but I will take my business elsewhere if this fee is not reversed. I feel taken advantage of and deceived and am questioning their business ethics.

I had an Iowa State University Alumni Bank of America credit card since 2006. The bank came up with a service fee in April and I called customer service and requested to cancel the card.

I had a balance which I had to pay and the customer service representative said the account was closed. But when I checked the account, there's a service fee charged and the reason was that I used the card on the 5th of April (service fees was charged on 21st of April). Bank of America told me that I have to pay a yearly service fee even if I want to cancel the account.

It is my view as a customer that if you do not like a service, then you have all the right not to go on it with. What I do not understand is why the bank does not admit that it was their fault that they did not inform me about the "service fee" on top of the balance that I had to pay when I closed my account. Alas! I thought my account was closed after the customer service representative told me, "Thank you for your business with Bank of America since 2006."

Bank of America has put a listing on my credit that shows a negative balance. I did not even log into Bank of America nor did I receive a mail after I canceled the account.

I have good credit. I have 2 credit card accounts with Bank of America, for which I have had for 10 years, and I am never late on payments. I have never had more than $4,000.00 outstanding credit on the two cards combined. The total credit available between the two cards is $19,000.00. Five months ago, my wife and I moved to another state and we charged up the two cards to about $17,000.00.

Ten days ago, we paid $16,000.00 for the balance on the cards. Today, I went to use my cards and they were rejected by the merchant. I believe the merchant said they were "invalid accounts". I was shocked. I called Bank of America immediately and they told me that the accounts had been closed and that a reason was sent out in a letter to me two days ago, which I have yet to receive. So much for being a responsible, worthy customer for over 10 years. Does anyone know why this might have happened? I am furious and I will need to go to the bank on Monday morning to find out why.

This is for Mr. Andrew ** of Bank of America El Toro-Trabuco Banking Center branch. This letter is to express my disappointment and the embarrassment you have created me. Your customer service is not acceptable to the way you treated Mrs. ** that was with me to cash out my check from your bank branch on Monday, October 17. You were rude. You disrespected me by refusing to cash out my credit card check that was prior approved by the credit department.

The contract agreement to cash out the check does not specify that Mrs. ** could not cash out the check. You asked Mrs. ** if she had account with Bank of America. Because she said no, you simply denied cashing out my check. And you told her that you would not give her the money unless she would open an account with you. That sounds like distortion to my point of view. Furthermore, you made me sign the check to myself, so the bank would charge me 19% of interest instead of the 0% of interest. To make it clear, the check has contract of promotional rates that does not specify that Mrs. ** could not cash out the check. You made your own rules by preventing her to obtain the money.

You knew my repeated conversation with the credit card department and the approval I got. I called them (credit card department) on Friday, Saturday, and Monday prior to flying out to Orange County from San Francisco. I was 100% sure that it was approved. And I was told that all I had to do was to go with Mrs. ** to the bank and sign the check to her name, so she would cash out the money. Instead, you manipulated the conversation repeatedly. You told me to sign the check to my name so I could cash out the check or force Mrs. ** to open an account to cash out the check. You also told her to go to her other bank if she didn't want to open an account with you and cash out the check at her bank. You knew that she needed the money immediately. You told her that her bank would cash it out, which was not entirely true. It usually takes few days for the other bank to process the check.

Yesterday (Wednesday, October 16) I once again called the credit card department and spoke with the supervisor. To my surprise, he said that you could cash the check out to Mrs. **. Whatever motivation you had to act in such disrespectful, abusive, and a non-professional way, I feel that it is not acceptable. I am with the Bank of America as customer for many years. I will report you to higher authorities and make sure this e-mail will be delivered to the TV media (7 on my side and CBS customer care).

I wasted time and was embarrassed. And you took advantage of me by making me sign a check to my name so I would pay higher interest, knowing that I needed the money since I traveled from so far to purchase a car there in Orange County. It was all explained before to the credit department and approved prior to my trip. Despite the attempt I made to show you the contract of promotional rates from Bank of America of 0% interest of cashing out money, you made no interest to read. You pushed it away from your desk towards me by giving it back to me and ignoring to read it. The conclusion is that you violated the Bank of America promotion of lower interest. You disrespected me and Mrs. **. You tried to force Mrs. ** to open an account in order to cash out the check. You forced me to sign the check to myself so I would pay higher interest. Shame on you!

I have two Bank of America credit cards. One of these cards (Card 1) was paid off in full, and the other (Card 2) had a large balance on it that was a balance transfer (I have been making payments on it). Someone who had access to my home took Card 2 for a short time and used it without my knowledge or consent. He then returned this card, probably after finding out that the card was nearly maxed out. But he took Card 1 and began to use it, also without my knowledge or consent.

Somehow, the thief, being a computer wiz (and also having built my computer), got into my account online for Card 1 and changed the billing to online only. Since I had this card paid off, and wasn't receiving a bill, I had no way to know that he was using it. I finally received a letter from BOA almost a year later, informing me of some suspicious activity on my account. It was when I called regarding this letter that I found out that the card had been stolen and used, with a balance of over $4,000. I told them that I had never used the card and that it had been paid off.

When I found out later that week who was the probable thief, I contacted BOA and they said that they would look into it. They later told me that because the card activity was in my area, and that the payments had been made from my checking account, they were not going to recognize it as fraud. Yes, I also found out that the thief had obtained my checking account information from a check that I had paid him for computer service, and had been making phone payments to the card he took and was using.

This allowed him to use the card for a longer period before being caught. If payments hadn't been made, the card would have been frozen by BOA. A police report was filed--the police followed up and received a confession from the card thief. I informed BOA of this confession, but they still refused to accept this as fraud. I have spent many hours speaking to associates of BOA, sometimes thinking, after I have spoken to an individual, that this will finally be recognized as fraud--but the answer is always no.

Most often, I have spoken to associates who were very rude to me and made rude statements before they even looked at the history of conversations that had taken place regarding the fraudulent use of this card. I was told that the police department had to call them, and they provided me with a phone number that was for "law enforcement only." I provided the detective on the case with this number, who later told me that he had tried every day for a week to reach someone using this number. But each time he called, the person he needed to talk to was not available at that time.

He did this every day for another week. A few weeks later, he got the same results. Each time he was told this by a BOA fraud department associate, he was told that the person that he needed to speak to would return his call. But none of his calls were ever returned. In the meantime, late fees and interest continue to pile on top of the original fraudulent charges, making the current balance over $5,000. Hopefully, this incident is not ruining my credit. I did go through the necessary things with the credit bureau when I found out about this fraud, so, hopefully, they keep any complaints from BOA separate and they won't affect my credit.

Hello, my name is Michelle **. I have a visa debit card with Bank of America. I lost my card and reported it lost and stolen on September 26 through the automated system. I believe then on September 28th, I noticed it overdrawn with $21.50 and $2.00 removed. I was watching my account because I was waiting for a new card. I immediately called again to Bank of America to speak to live representative. I verified that they received my request for a new card. She advised they did. I asked to change my account number, because I don't know how they managed to take money out. She told me that my debit card number is different now and will be coming in mail, that it's not needed. Then, she transferred me to the department for me to dispute charges and withdrawals.

They said they will investigate. Well, I never received credit, which they suggested that I would get, or any mailing from them for me to sign. I did not realize it because like they said, my account is okay, there's no need to change bank account number. On October 16th, 2011, I got an email alert from Bank of America that read my account fell under 25.00 dollars. My stomach is sick because I knew something had to be wrong. What I feared happened, because my account number was not changed as requested. Both my child support check and job check were gone.

I called them yesterday, on 10-15-11, to hear that they don't know why I have a negative $999.00 on my account. I called back again. I got a different call center in England. The supervisor told me that someone deposited a fake money order in my account and I'm liable to pay the money back. And my checks that I deposited went to paying some of the money. I need help. I have to talk to someone tomorrow Monday when they are open. I thought I was protected. The bank failed me. The visa logo got to stand for something. The man from Bank of America said that's a scam that's happening. I can be reached at **. Please reach out to me. I feel this is the bank's fault. I paid bills and I did not know that this was not my money.

I signed up for a Bank of America e-banking's no-annual-fee credit card. Within the first year, they sent me a letter voiding my contract and applying a number of fees, which is also telling me that they were for my own good. Outside of this one letter voiding my contract, the bank refuses to acknowledge the type of credit card I have or the legitimacy of my contract having ever existed. They still currently offer an e-banking no annual fee credit card, on their main website.

When the crash happened in December 2009, I had about 150,000 miles. Bank of America decided to cancel all my credit cards. I had done nothing wrong, and was in complete compliance. Then, because they canceled them, they took away all my earned miles, and won't give them back.

I had transferred a balance over to my Bank of America credit card when they offered me 3.9% financing for life. I had always paid on time and I have stellar credit. After a month, Bank of America processed my payment (online payment) for the entire amount of the account instead of the monthly payment. Of course, I did not have this amount in my checking account so it bounced. Bank of America said that I entered the entire amount into the payment box. I assured them that there was no possible way for me to enter the full amount in the box. It was the only time that I did not keep a record of my payment. I called them immediately when I saw what had happened. Everyone I dealt with said something different. Then they raised my rate (of course). I believe that Bank of America entered the amount fraudulently so that they could raise my rate. If anyone else has had this same problem, please post.

I had a credit issued by Wachovia in the mid 1990's. The card had a 3.90% fixed APR with a $100 annual fee in lieu of a higher interest rate. The card was subsequently taken over by MBNA. I never had any problems with this card until Bank of America got this card in the late 2000, perhaps 2007 or so.

I always made my payments on time and kept a balance on this card because of the low interest rate. Bank of America then changed the terms of my account to a variable interest, which at the time made it 19.99% and kept the $100 annual fee. They never gave me a chance to opt out and pay the balance off under current terms as required by law.

I had at least 3 disputes filed against my statement, which they never responded to. They also began to harass me, in my opinion. I raised a big stink about it with online customer service, as well as phone customer service. They also began to harass me, in my opinion.

They did this primarily by disabling my ability to pay online, resulting in my getting charged late fees. I went to sign on to pay and they had disabled it. Another tactic they used was to purge my payment account information. Sometimes when I would sign on, they would have purged my checking account information and I was unable to pay.

I finally got fed up and just angry and told them I would not pay the balance if they did not address the issues. I have it all documented, including copies of my mailing receipts for the disputes and even screenshots on the disabled online payment screen. Needless to say, they never addressed the issues and I stuck to my guns and didn't pay, thus resulting in a charge off of the account.

I called and told Bank of America that I was getting behind on my payments and told them I wanted the account closed and a repayment plan to pay off what I owed. The account was closed and a 5-year repayment plan was set up for my credit card with $130.00 monthly payments at 6.75% APR. I told them I couldn't afford this high payment, that I was barely making ends meet. They would not budge. So each month, the money is taken out of my checking account.

Recently, I was told that instead of paying back a credit card, I'm paying on a loan. The statements reflect the credit card with a credit limit of $7,000. I'm in my 28th month of the the 60 months and there is no way this is going to be paid off in 5 years. I thought they could at least do a Balance Liquidation program with a lower payment and 0% APR. I don't know what kind of program turns a credit card into a loan to help pay a debt off. Their Credit Counseling wanted $269 a month which was worse and I didn't go through that.

Bank of America's Credit Card Services might want to change their name to Bank Against America. The kind of business that they are conducting seems to come from someone who does not care about people at all. The people that run "BOA" seem to be trained by our enemies so that little by little the American people will feel so hopeless that they can't even count on their credit when paper money is not available. I can't even remember when I opened my first account with BOA, but it was a long time ago. They were the nicest people. My credit was great and I had just started my first job.

As the years went by and things changed, as with many people such as divorce, loss of wages, etc., I keep paying at least the minimum. This last year, I was able to pay off the balance on one of my BOA credit cards and guess what, they closed my account. They stated that they, the people in BOA, take a proactive approach to reviewing their customers' accounts which includes an assessment of account history, current economic trends, and a copy of the credit report. They used TransUnion's credit score and stated that since my account has been inactive and I had a serious delinquency or collection filed, they would no longer authorize any further transactions. And that was that. I have 4 negative marks in my credit report, which is a lot less than a lot of people I know. In addition, if they are using that against me, why didn't they close my other BOA credit card? I truly believe that we don't need terrorists to do damage Americans because these credit card company's are already destroying Americans a little at a time!

I had been on R&R while deployed from Afghanistan. I went to Athens, Greece for two weeks. The merchant there forged my name on six credit card slips for a total of 25,000.00. Yes, it was 25k. The combat pay I earned for getting shot at everyday was gone. BOA has refused to reimburse the money since I dealt with this merchant once. They don't believe that forged signature is fraud under their current policy. Go figure. That is why they are going under. After complaints to several government agencies, BOA now puts the blame on Visa. Visa blames BOA. Just more powerful, billion dollar corporations are screwing the middle class. I have since moved a majority of my money out of BOA for fear that anybody can steal from your account via a debit card. And BOA's attitude is oh well!

Bank of America refused to give the names of the merchants who use specific Merchant Category Codes for cashback of groceries and gas. Merchants don't know what I am asking when I ask for their codes. In other words, Bank of America offers cashback, but we have no idea which stores or gas stations qualify. No person in his right mind would sign up for this new (07/2011) 1-2-3 card they are now promoting. I called the office of the CEO in Phoenix and she said no list of merchants they do business with exists and to just watch your statement to see if one of the numbers turns up. I call this a crap shoot. The **!

Although I have always paid my credit card bills on time, BOA cancelled it without any notification.

I was scheduled to go out of the state for a job interview. As a result, I had to cancel it. This is a very poor business practice of BOA as compared with a credit union-- a financial institution that is far more reliable and much more honest in their business dealings-- where I got a prepaid Travel card. Now, I know why people took their money out of the banks during the Great Depression.

I got behind on my payments on two Bank of America credit cardsone has $1,000 and the other has $2,000 credit limit. I got hurt at work and could not pay most of my bills because I was moved to another department that paid a lot less. I let the bank know and they agreed to settle the accounts for a little under $1,000. Julie sent me a letter stating the agreement we worked out over the phone.

However, as I got to the last payment, Julie was nowhere to be found. A guy from Bank of America called me but he didn't add everything up right. He added about $1,000 more so I told him that I'm not paying anymore. After that, he made threats and called us nonstop.

Now, they are saying that I owe them almost $4,000! Im talking to lawyers now and they were telling me that I have a good case. I didn't want to go that route but it looks like I have no other choice! So if you're with this bank, I strongly advise you to seek another bank seriously.

I had one late fee charge on my credit card amount and they were charging me interest on it along with my balance transfer. Not to mention I pay extra every month, trying to pay my card off. They said they wouldn't start applying the money to it until my balance transfer was paid off, collecting interest then on my late fee plus balance transfer. The lady did finally drop the charge but acted like she was doing me a favor.

To complain for the late fee charged by the visa card issued by BOA.

My son contacted with their manager, but was denied to waive. i'm really felling to be wronged, although it is just for a small amount. (I never pay late before)

Bank of America Visa, you are my biggest problem. My card has been declined twice, both on Sundays. In each case, I have called to find out what the problem is, and in both cases the automated response is something like, "We apologize, but our system is temporarily down. Call back at another time."

By the way, the card was not overdue in either case.

Before this, I had been thinking of changing banks, even though I've banked at Seafirst, now Bank of America, since 1988. I think this is the straw.

I would like to withdraw a complaint against Bank of America I filed this afternoon. Apparently, they credited my credit card with the $400.00 I spent for the appraisal without notifying me. This makes me whole.

I've rec'd 15 calls in the past 9 days offering to lower my interest rate on any credit cards I have-I have no balance currently, and when I do, I pay the entire amount.

As far as I'm concerned, the calls are a form of harassment.

I had a credit card with Bank of America until May 31, 2011. At which time, I paid in full, and closed the account.

Later that same evening, I received a phone call informing me that there was a balance due of $50.73; I paid at that time over the phone. This caused a credit on the account in the amount of $39.43.

On June 15, 2011, I contacted the bank and asked them to refund my credit. I spoke with a Nathaniel on the chat service. He assured me he would send me a check for $39.43.

On June 24, 2011, after the account had been paid in full, two separate interest charges were subtracted from that balance in the amounts of $.54, and $16.37. It brought the credit down to $22.52.

Again, I asked that the credit be sent to me. Sam assured me it would be sent to me in 2-5 business days. As of this date, I continue to be charged interest on a closed account, and they refuse to refund my credit.

I am writing this letter to dispute about the recent credit report that I viewed where I came to know that I have a default in the payment associated with my Bank of America Secure Credit card, which amounted to $30. It was charged by Bank of America (BOA) as an Annual Fee.

I came to the US on September 2006 and opened my first credit card which was a secure credit card from Bank of America during that year. I just used this credit card only for few months upon the time I opened it as I was able to get other credit cards which were not of secured credit type and had better rewards option when used. I have had contacted the Bank of America Credit Card Department to close this credit card over the phone some years back. I was astonished when I received a bill for annual credit card payment during Dec 2010 and it had surprised me since they never closed this credit card account. I did pay the annual fee during that time period. I immediately contacted the customer department to cancel this credit card as I was never using this credit card except for the first few months of my opening during the year 2006.

After that, I never received any correspondence from Bank of America about the annual credit card payment for the year 2011 and I was surprised when I pulled my credit report that there was a default in my payment for few months of the attached credit report of mine. I went to the Bank of America and contacted the BOA representative and reported this issue with him on July 21st 2011. When I spoke to somebody from BOA over phone a day before, I was told that the mistake is on my side and that I need to pay the annual fee. I told them that I have had closed this account long time back. I then transferred $600 to the credit card even though the payment was only $30 just to make sure that I don't have any more lingering issues emanating from this card. I did this as I wanted to make sure that I have more than the required amount since the closing process from BOA was not working and that they had some issues from Customer Support not updating the phone call I made to cancel this credit card.

On July 21st, I officially got my secured credit card unlinked from the BOA and then they closed this credit card account from my online account in the presence of BOA Staff. I was told on that day that my account was long time closed but what was surprising was that this credit card was still showing active to my online account. A case was opened with BOA which goes by ** to track about the issue. I never got a copy from BOA Staff stating what he has understood from the issue and that I reported from Bank of America failing to close this account two years back. I never got any annual fee invoice from them for the year 2011 and it was my understanding that this account was closed one year back based upon the telephone call I have with the Bank of America Customer Credit Department.

This reporting has seriously affected my credit score and I want to make sure that I get the fair judgment from your department to help resolve this issue. What was a mistake from BOA had resulted in destroying my credit score and I am disputing it though your honorary to get this issue resolved. I wanted to get the $30 that I paid during the year 2010 in spite of me closing this account before that year started.

Account was frozen in the middle of the night on a weekend for no reason and they don't have any customer service people available to speak with. This is a safety issue, i was stranded without a way to get home because my card was frozen for no reason. I think this should be unlawful and taken seriously because it can be such a safety issue to be stranded in the middle of a city without access to your money.

I bought four airplane tickets with "Mexicana Air" line. I paid with my ATM/VISA check card. The airline "Mexicana Air" went out of business. I called Bank of America and I talked to customer service to see what I could do. They told me that I had to wait to see if the airline would return my money and if not to call back Bank of America for them to help me recover my money.

I tried three times with the airline to try to get my money back but they had filed for bankruptcy. So I called back to Bank of America and they told me that I had up to a year to file my case to recover my money. So I went to my trip but I bought them from a different airline. I came back in three months and I filed my case and three months later they sent me a letter by mail that said, "Unfortunately, the disputed amount of $2,049,04 posting on July 03, 2010 falls outside of that timeframe."

Please help me find a solution to my problem. I'm an elderly woman that feels disappointed because I lost my money from the lack of service of Bank of America. I reported this situation to customer service the first month I found out the air line was going out of business. And the lady from customer service didn't want to take my case. I'm losing money that I don't have. This is causing economic problems and mental problems for me even though I tried to prevent it.

After having a Bank of America credit card since 2006, I paid every month and paid extra when I could. Things have been hard the last 2 years, but it has gotten better. I went in 2 days ago and paid off the balance, so that I could continue to make a business grow which I had to start because of no work. I went to order some stuff to find I was short $180.00 in available credit. So I called to see if they could approve it, and I would be in the bank to pay the small balance that was stopping it. Well, they closed my account over it!

Banks need to realize that they need to have a personal relationship with people and stop looking at just paper. All companies need to, yes we know you'll need to make money to stay open. But learn and realize that if you cut your CEO's pay and stop all the crazy bonus, you will make money with what you have instead of screwing the American people!

I paid off in full my Bank of America MasterCard, one that had a perfect payment record with always much more than minimum payment being made and Bank of America closed my account saying I was a bad risk. Funny. Years on the job, decades of stability, and no other bills, and 100,000 in bank, and they closed my credit card! Not a nice reward for paying them off! I feel for others who are not as fortunate as me. What is the bank doing to them? My credit score is now going down.

Bank of America froze my account. When I called to inquire, they told me my account had been closed, even though I had been a good customer (no late payments) and my account was in perfect standing. Even still, I paid off my account in full immediately. Today I went to redeem my 110,000 WorldPoints. I was told that my points have been "forfeited" because they closed my account. I did nothing wrong and my account was in good standing when they closed it. How can they steal my points?

BoA holds two of my credit cards so I called them on 02/01/11 to pursue a refinance. They said no problem, I had excellent credit and income. Needless to say, two loan officers later, it's May 10 and I still don't have a closing date. Rate lock went from 05/02 to 05/10 to 05/25/11. Credit report has been pulled twice. I keep getting BS answers, the loan officer left and your file is incomplete, the underwriters are backed up, the underwriters need 48hrs every time you submit a requested document, the computer is down etc etc.

I don't know how long I am supposed to put up with this mess and I don't know who to complain to, do I let it drag out until they finally tell me to submit a new application? Do I cancel now? They told me not to pay my other mortgage and now I am late but they keep saying wait until the day of your grace period deadline.

In February 2011, I received a notice that due to "late payments and a poor credit history," my BoA credit card would have an annual fee as of April 2011. I immediately called because I had never had a late payment, I do not have poor or high risk credit, and I was really angry. I spoke with a regular CS rep who informed me that the notice "accidentally" went out with the information about late payments and poor credit to everyone but it did not apply to me. In fact, I didn't have any late payments with BoA but due to a "high balance" and the "kind of card I had," I was going to have the annual fee applied.

I spoke with a supervisor who advised me that "nothing could be done. I could either opt out and pay off the card in time or keep the card and be charged the fee." I specifically asked if I closed the account, "the fee would not be assessed, correct?" I was told, "yes, that is correct." Yesterday, I checked my April statement and noticed that an annual fee had been applied.

I again immediately called and was informed by the CS rep that "last month, another notice was sent out that had informed customers that BoA had decided to change the policy and if you carry a balance, regardless of opting out, you would be charged an annual fee." I explained to her that I opted out prior to this new notice, which I never received, and I was informed that I would not be charged the fee in February 2011. She apparently reviewed my notes and/or tape. She told me that, "the supervisor had incorrectly put the opt-out in the system and I would still be charged."

I explained that his incompetence was not my problem and according to the Card Act of 2009, if I opted out, I had five years under the original terms to pay off the card. It took her several minutes to review the case and then came back telling me that since I had opted out when I received the first notice, they would remove the fee for this year. She notated in the system what had happened and I will just have to call every year in April to have the annual fee reviewed and hopefully removed until the card is paid off. This not only poor business practice but also illegal.

I have a credit card that I used to pay a lawyer for my mother, when she had dementia wanted her to pay $14,000 of his hospital bills because I was her power of attorney. They were trying to sue me also. In the end, it was thrown out but I ended with $7,000 on my card. I had paid $68.00 a month for credit protection and was laid off Jan 24 2008. I called and got the forms and filled them out and sent back, but two months later still paying on the account + $68.00. They said they could find the info so this time I got a name and faxed the info from unemployment

I called a month later and it still wasn't set up. So I faxed again. The end of May 2008, it still goes. The response they had, was no info and I am still paying + $68.00. So I said, take the $68..00 and back pay me my 2 1/5 yrs of 68.00, but they didn't. They raised the interest from 14.9 to 29.9 %. now I felt I would never get this paid off so I paid and paid. In 2010, I closed all my BOA card and got the interest lowered, but what I am really paying now is because of their failure to provide service protection and up the interest. I tried to settle the account or get all the interest off but it was no good. I am now disabled and well, the protection I paid for never worked and I never got reimbursed.

Paid credit card account late, due to decrease in income. They put us on a reduced payment program, but we were still a few months behind. On March 15th, and March 29th we made payments that brought our account current. However, they have still not updated this information with the credit bureaus. It shows 120 days past due on credit report. I called BOA and was told this information would update the last day of the month (3/31), but it never happened. Called again and asked to speak to a manager. No one was available so they had one call me back.

I got a call the next day and explained the situation again. The manager said that it would update once a month after the billing cycle ends (which was 4/10). It is now 4/14 and still no updates. However they did randomly give credit report updates on 3/1/11 and 3/17/11 with negative information of past due amounts. They also said that the information was submitted and it could take up to 45 days for the credit reporting agencies to pull the information. I called Equifax and Transunion and was told that was absolutely incorrect. They said once the credit card company reports, it is updated in 24-48 hours max. Please help us resolve this.

Along with our new BankAmericard credit card, Bank of America mailed two pre-printed checks - with our names, address, and account number - to encourage us into making a cash advance loan. What is outrageous and negligent of them, given the risk of identity theft from information in the postal system, is they prominently displayed "Your PIN for cash access is: XXXX" next to the blank checks.

Private information which could be used by identity thieves was sent through the mail. Inclusion of our cash access PIN was negligent and unnecessary exposure to identity theft criminals.

I fell behind a couple of months in payments to my credit card with Bank of America due to being laid off. We paid off some of our debt with savings, and realigned our budget, which would get us back on track.

When we went to Bank of America online where we make our payments, our account was disabled. We could see charges, but could not pay on our account. There were two months of late charges (which we understand and agree they are due those charges), and two months of charges that were applied when we were blocked from our account (which we feel are unreasonable). If they want us to pay, why block our ability to pay? If we are blocked from making payments, how can they justify the charges?

I talked to a Bank of America associate to work out payment arrangements, and I agreed to the first two charges (after all we were late), but asked to have the other two removed, because we being charged while they had our account blocked. They refused. It's their policy.

I took an balance transfer offer from Bank of America Credit Card in April, 2010,.The term was 0% Apr. till Jul. 2011 with 4% transfer fee. I paid the fee, and took the offer, made monthly payment, but I was surprised to see interest charge appeared in my Feb, 2011's statement.

I called back, I was told the offer was 0% Apr till Jan, 2011. I recorded the offer on my first statement. It was till Jul. 2011, and on my file tab it was till Jul.2011. And I would never take the offer if I paid 4% fee, only the 0% lasts from April 2010 to Jan. 2011.

I asked for the proof, they don't have it. They refuse to make the correction, just claiming in their computer system the offer is till Jan. 2011.

Our Bank of America credit card was closed today with no intimation to us .Our monthly utility bill got cancelled as the account no longer exists along with the checking account. On questioning the bank customer service I was told that lot of users' credit card information was compromised from the merchant Bank Of America is dealing with .This is totally unacceptable as BOA should inform the card owners prior to canceling the accounts. No information is being shared on the website as well or made public .

I received a promotion offer from the Master Card issue by Bank of America on November of 2010. The offer states that if card members spend a total of $100 or more on Shell in December of 2010 and January of 2011, members will receive $20 credits. After I spent a total over $100 on Shell and receiving the January 2011 bill, I didn't see the credit, so I called BA customer services. They said they don't know anything about this promotion offer and they don't have any information either. After I spoke with a few different customers rep. in different dates, finally a lady, who claims herself as the manager there, said she will call me after she finds out something, but I never received her call. A week later, I received a letter from Bank of America saying they are going to close my account.

I called BA and they said they can't issue me any credit because my account was closed. I'm really surprised and don't understand why BA closed my account. I have had this credit card since 1997, and I'm never paying late or don't pay, besides, I have excellent credit history too. I'm wondering is this something a giant credit card issuer should do.

I have had a secured credit card with Bank of America since 2007. When I opened the account and gave a deposit of $1,000, I was promised that after a year of keeping my account in good standing, the deposit will be refunded and my credit card would go into an unsecured status. This was a means for me to reestablish my credit. But that has yet to happen; they have not kept their end of the deal. Since 2007, I have only been late twice.

I have called on three different occasions to request that the account be put into an unsecured status, and every time I get a different story. When I call they say that it is because you will need not to have a late payment in 12 months. Well, I had two late payments back in November of 2009 since 2007. But what happened with the account being in good credit standing prior to November of 2009? The account was opened in 2007 and they said a year, and how about now? What happened to the account being in good standing since November 2009 until present? But yet, they are charging me interest at 14.24% on balances and 19.24% on cash advances on my own money. This is not money that the bank has credit to me, this is my own money.

It must be nice. I think they like it better this way. I am paying them interest on money I have never borrowed from them, and plus they get to charge late payment fees on your own money if your are late paying back your own money. They get the best of both worlds. What a rip off that is.

This is why I think they have prolonged this for so many years. I mean if you think about it, I have been paying them interest on my own money since 2007. They have profit from money that is not theirs to begin with. Why would they charge it to an unsecured credit card when they can milk it for as long as they want? I opened 4 accounts with Bank Of America back in 2007 and had to close almost all of them because of their game with overdraft bank charges and how ridiculous they are.

Now I am down to two which includes this credit card. Needless to say, I will soon be closing them as well. The only reason why I have not closed the credit card is because I was told that it could hurt my credit rating. I am glad everyone is out here talking about the issues with Bank of America because it is very unfair and I can clearly see from my internet research that I am not the only one complaining.

On 2009-02-18, I filed a complaint about Bank of America Credit Card Services, B of A checking account. My complaint was and still is the bank had informed me my monthly payment was going to increase in a month or so stated I made late payments. The only way to pay my payments was my VA Disab. check I would not be able to pay that amount. What followed was 2 months of asking the bank to work with me or if there was any program. The first 2 months the answer was No. When there really had been all along. So by the time it was offered, I was behind a month.

So I joined in Aug 07. Paid 2 program payments. In the 2nd month, I got no payments letters, late payment, and my letter of acceptance to program. Payments had to be setup on automatic withdrawal and had been day one. I checked the first 2 months to make sure it had been done. Thinking it was okay didn't keep tabs its in the first version.

When payments were setup, it was for 1 a month. On the first month that I didn't check, is when the bank took 2 payments resulting in not enough money to pay, fees and charges. So 6 months of payments and the remaining that was to be in my account was gone. In the sixth month when the error was found and not my fault all that was given back was just the fees and the money taken that they had no permission to do!

Just last month I found out about the Comp Controllers Office and filed a complaint in which the bank is informed to contact me. They did to let me know they were going to review and call again. Before I could get my records together from 3 years back, they called. He went over what had been returned and added that I had caused the problem by depositing bad checks in my own account that I didn't have checks for. In the beginning of his review, he referred to my setup payment as a check. Then I let him know it was a wired payment and I didn't write checks. It was my VA Direct Deposit. I guess he did not even hear that and in his version when the bank took money they were not supposed to, it didn't matter because I probably didn't have enough in my acct to begin with.

Oh, another thing he pointed out was the bank having returned the fees and the withdraw meant no harm no foul. It made no difference that it was returned 6 months after and caused the shortage of money in my account and snowballed all the rest. He had crunched the numbers at least twice and so had two others. Back in 08 when the mistake was found by the one person that bothered to check then, his supervisor and a third was not official. In 08 the bank had claimed I authorized it what happened was I got a call that again payment was late and asked me for a fee. I could not or did not have the money. Most important I was on a payment program already, 2 payments were made and the bank had got the money.

So I was not late or behind. There was no reason for it. After it was checked by that person, I was on a program but a paper mistake on their end. She asked if I could try and still pay it. Again I could not and mistake not my concern she ended call. Well there was no record of the call the man said so what I said could be true or couldn't be true. In turn, if the bank wanted me to pay for there mistake, giving me some story, hoping I would agree, why didn't they record it?

So in this man's mind he told me, as a courtesy, the bank went along with your version. When it was my turn to give my facts, I began with on my copy of checking account details I have a + balance a week prior to my VA deposit and I did not have any activity before the bank messed it up and the entire 6 months it was in error. He was not going to hear any more. I was to blame wrote bad checks and did not understand what he had explained already the bank didn't owe me a penny that is what he would report to the OCC.

No it's more the other way around and I hung up. So being PO'd that I had been called stupid and I wrote bad checks to myself, I found all my records again. Going through them I found some things I missed. The bank gave back the fees on my checking account but the $48 taken out of my account they say was repaid after 6 months and put in my checking really was not as I will show .When I started this program I was given a lower payment, lower interest, payments are setup and credit card account use is frozen late payments prior to program are no more.

Any missed payments after are not charged fees until after 3 unpaid months. A Missed payment is forwarded to the next payment and due. Well in order for me to get on program, I had to agree to pay fees for the month before. My payment amount on plan agreement is $10 less than what I was paying. I had to agree to pay for the fees before I got the plan rules in writing.

Then it does not say anything about the extra $10 in writing. Those are rules broken (fees prior to plan are zeroed). When the bank took out the money that caused the account to be short.The 1st payment missed was not forwarded to the next due date and fees were added. The bank also resubmitted for payment within a couple of days. Adding more fees and the amount the account was behind.

After 6 months just fees were returned I was not able to use it. The money went towards the missed payments including an additional $335 of mine out of pocket I had to make up on payments. From March 2008 to 6 April 2008 $515 in payments were paid to the card. I lost more than 6 VA deposits. Now I had to hear it all again from this B of A guy telling me its my fault. Adding now I wrote bad checks to myself and calling me stupid.

The cherry on top is the so called returned $48. Two days after the bank put that money in my Checking Account. It appears on my Credit Card Summary and The Credit Card Statement for that billing cycle. That is reflected in the dollar amounts as well as a purchase raising the balance. There is nothing that can be said that someone that has authority added this to a account that is frozen! I have to wait till the bank sends there review saying they do not owe me anything! I know this man is going to add something to try and make me look bad also assert that he went through the figures and assure that it is correct. then the truth and proof I will send.

But what still is wrong is the bank is shown as wrong it really is no harm no foul and just a mistake. This bank needs to be punished! These are not mistakes This is planned by them! They are screwing people at will and oh well if they return fees. They made off with 2 or 3 times that. The person that added the money to my card after the bank said returned my money. That is not business that is spite and they made it personal! That is not just wrong. It's ** up!

I have been a Bank of America's customer for the past seven years. Earlier this year, I got a Bank of America credit card. The first month, when I got my statement, I went online to my home banking and I scheduled my payment online. A few days after the payment was due, mint.com sent me an alert about a bank fee charge. Surprised, I went and checked online and found out that the payment scheduled was never done. I called Bank of America home banking and they told me that they were having some technical issues with the online payment scheduling.

They informed me that they were going to make the transfer and that they were sorry about the mistake and inconvenience to me. One month later, exactly the same story. Bank of America apologized again. One month later, same story once again. In sum, three months of technical issues with your online payment scheduling.

Dissatisfied, I closed the card and the account in August. I requested to transfer any eventual outstanding credit balance to my Bank of America account and close it immediately.

After not hearing from Bank of America for months, I thought all was good until last week. I discovered a delinquency in my credit report, due to a balance of $41.00 with Bank of America. I immediately paid off the balance via phone, and called your Customer Service to rectify this error made on your part. Your Customer Service, however, was unable to assist me and simply told me to contact the credit agencies to dispute the delinquency. My credit score was at 750 and now has been reduced to 640 solely because of this error.

I opened a Bank of America credit card line 10 months ago, strictly for a balance transfer. I am someone who always pays their monthly bills ahead of time and therefore, when 30 days later my previous credit card still did not have a check from Bank of America for the balance transfer. I begin to get antsy as it was time to make the next month's payment (in my book). I should have seen the red flags then as when I called to inquire as to when I could expect the balance transfer. Check the attitude I received from the representative was essentially "It'll get there when it gets there". I was informed it could be anywhere from 30-90 days. Nothing of this time frame was noted in the transfer agreement, and I have never experienced a 3 month wait for a balance transfer once the card is approved.

60 days later, I did indeed finally get my balance transfer check to my old credit line, but still had not received the physical card. Another 30 days later, the card finally arrives. For 8 months, all is status quo: as stated, I always make my payments early and do them online. Every month, on the same day of the month I would pay $200 towards the balance knowing it would be paid off before the promotional interest rate had expired. In September, I was doing my typical double-checking of my accounts and noticed some strange activity on my Bank of America card including a notice of a "returned check". I immediately called them and they stated this was my monthly 200 dollar payment and that it had not gone through; baffled, I asked if they had a reason statement and they said they did not/could not tell me and to call my bank [that I had the checking account with].

I call Chase and the agent tells me they have no record of the payment at all nonetheless a rejection of it. Thus, round robin ensues of me going back and forth between Bank of America and Chase as they volley me back and forth. I speak to Managers at both banks and it is clear Chase never received the payment request. After about 6 phone calls and two days later, I finally receive an agent at Bank of America that will tell me *something*. She gives me the reason statement on the "check" rejection and it long story short it Bank of America claims that there was either a legal dispute or change of accounts. (Neither of which happened.)

I go up the chain again and a very rude billing manager tells me I have the wrong (checking) account number logged in their ebill system and that is why the payment did not go through. I explain slowly that I did not nor would I have changed my account information on the Bank of America website and that I am concerned there may be a security issue given that I was making these payments in the same fashion every month, on the same day and had never changed anything. She was very condescending stated that there was no possible way anyone could have changed my account information, but me: i.e. the system was perfect and it was my fault.

The next day, I see I have been hit with multiple "return check fees" from Bank of America. Never mind, no one can tell me what happened, never mind I have never had a late payment, and never mind that the bill for that month wasn't even due yet.They were going to squeeze what they could out of me for their mistake. After some wrangling and arguing and getting one reasonable agent who removes the fees, I decide I just want to be done with this card and will pay it off and close it. In the 24 hours, I have made this choice they have slapped me with another returned check fee. I call again, argue again, get treated probably more rudely by a phone agent than I ever have in my life who keeps raising her voice and talking over me at which point I once again ask for Manager. Once again I get treated with ambivalence and with reluctance the Manager removes the second set of returned check fees.

I pay off the full balance and close the card. Or so I thought. Thankfully, I am pretty suspicious at this point of them doing anything right, so I check on the card 48 hours later (they told me 24 hours to close the account), and surprise, surprise! The card is not closed. I call back again: the agent tells me yes, indeed they took my money (as it was already debited from my checking account I knew this, but good to know they acknowledged the payment this time) and that the request for account closure is there and frankly he has no idea why the account was still open. He puts in another request to close the account and swears up and down it should close this time. I confirm with him regarding the 24 hours and that is in fact "business" hours and as this was a Thursday.

I wait until Tuesday before checking up on the account. Tuesday, I am cautiously hopeful as it appears the account is finally closed. Then today, I get an account notice from Bank of America that I have a balance on the card that needs to be paid off from a "cash advance". One week after the card is closed, there is this random charge on my card for a cash advance (something I would never do), and when I call I learn that for whatever reason this just another way of them saying: Returned check fee. They have now charged me again for the same supposed, mysterious account-changed e-check for third time and after the account is closed for one week. Needless to say, I did call again, but am now wondering: what do I have to do to get rid of this horrific credit card?

Have two credit cards neither of which were Bank of America but recently were bought by them. Received notice recently that due to a late payment (3 days late), my credit limit was being reduced. The next day, my statement arrived and I noted that the amount the limit was being reduced to is $101 less than the balance on the card. I feel sure that my next statement will have various over the limit charges, etc. How is it legal for a bank to lower your limit to less than what you owe in order to get more penalties from you, which surely will be used as proof that you are not credit worthy and thus another lowering and penalty?

I had credit card dispute in which I proved that Custom Renovations and Management, LLC. did faulty work, lied, used defective work and materials on my home, did not meet contract deadline and took 44 feet of drainage pipe and plug without permission. They also used bleach and mold control mixed to kill molds. Inspections were not done as said in the contract. BOA did not contact me or reply to my faxes and did not want to see any pictures of faulty work done by Custom Renovations and Management, LLC. at **** done by Jake **** with phone number **** and fax number ****. They had inspection on my home that clearly proves that the work was not done right and it proves my dispute. Also, I have other reports that prove my case.

Eagle Home Inspection's Bill **** did inspection number **** and Moisture and Mold Solution's inspector David **** shows faulty work in his report ****. This dispute has caused great stress and health problems and money problems. Every time I called about the many faxes I sent, I got a different person and a different deadline on which to get my proof in. I have the first names, departments and the numbers of the people I talked to. They would not return calls or leave messages when they told me they would and would not give me last names or extension numbers.

I entered the auction site and enrolled. I looked about but clicked nothing and did not bid on nothing. They had mostly bid books to sell to you. I unsubscribed having ordered nothing. A few minutes later they charged my Bank of America debit card $159. I called Bank of America to stop payment, but they gave me the standard run around and refused to stop payment. This is a very dishonest bank. Do not deal with them. I am out $159.300 plus an international fee.

In September 2010, BOA notified us that there were possible fraud charges because card was used in Mexico. It was fraud. We filed a fraud report and cancelled the credit card. On 10/29, we noticed a charge from Sirius Radio on our credit card. We had used Sirius two years ago but cancelled their service. When we contacted Sirius to ask them how they got our new credit card number, we were told BOA allowed it to go through because it was reoccurring. It is not reoccurring. So BOA allowed a credit card purchase to go through on a cancelled account because they felt it was a reoccurring account because we had purchased there before. Although BOA refused to help us, Sirius did agree to refund us. They had to refund us through paper check because they do not have our new credit card info in order to refund by credit card.

My concern is this and I think it should be investigated, if you cancel your credit card because of fraud, credit card companies (at least BOA does) allow charges on the cancelled card to go through on the new account if they feel it is a reoccurring charge. And if they feel it is reoccurring, you are not allowed to dispute it. So a thief can setup accounts as reoccurring with no worries about the credit card company doing anything about it. Even though the old card is cancelled that is a loophole that allows thieves to keep using the old card. Oh another note, our credit card originally declined the charge on 10/5 because it was sent through on a cancelled account. We never gave Sirius our new credit card information. The $164.04 amount went through to our new account because BOA authorized that charge even though we never did authorize it and they refuse to let us dispute the amount.

I recently received a statement from Bank of America charging me $81.48 in fees for handling my account. They tell me that the charge is for extra protection on my account. The balance on my account happens to be higher than it usually is and Bank of America feels comfortable in charging this amount because they tell me that I took out a special protection policy to cover my credit card financial affairs. I do not remember accepting this agreement at all. I know that I have no leverage that I can use to try to correct this to my advantage.

I pay my Bank of America credit card bill in full each month. I find it difficult to believe that a corporation like MBNA can take such advantage of people by not explaining a situation in advance of inviting one to "sign on". My husband also has an MBNA account and he is not charged "extra fees". I fully realize why they expect me to pay for the extra protection. I evidently ordered it but I did not order it knowing what it entailed and I believe that it was deliberately not explained so that advantage could be taken of me. I am angry because I believe again, the big guy gets to take advantage of the little guy. I would welcome any opportunity I could grasp (short of cancelling my card), because I'm afraid my credit rating will be ruined, as a result to let MBNA be informed that I will no longer be doing business with them.

Last April 2010, I was served with a law suit by Fia Card and Bank of America for 2 credit cards debt that they claimed belong to me. I was in court on 9/27/10 without a lawyer because I cannot afford one. The Judge postponed the case to 10/28/10 to allow me time to hire a lawyer. Well, I am going back same way, no lawyer. I don't have the money to hire a lawyer and not for something I am not liable for.

I am worried that the judge may find in favor of Bank of America and Fia Card and garnish my little pay check. I think about it daily and it has began to affect my health. I just can't afford a lawyer and cannot afford my check to be garnished. I hope some one can come to my aid.

I had called to activate my credit card that Bank of America services for American Express. Vanessa started asking me a lot of personal questions such as my Social Security number, etc. I felt uncomfortable thinking that I might have called the wrong number so I told her that I would call back. A few days later, I went to use another card from Visa that Bank of America services, and Vanessa, who works for Bank of America, transferred notes to to my Visa account to have it closed--when my card does not expire until 2011.

I have a Bank of America Visa Signature Credit Card and for the past six months have been receiving Direct Mail access check offers in the mail every two weeks that include actual checks in the mailing for balance transfers and check cash advances. I really don't like this since anyone can grab this mailing and get my bank information or even worse use the checks included in the mailing.

I called the number at the bottom of the letter to cancel these mailings and they told me it would take 90 days to cancel them! 90 days! I have no doubt that mailing these offers is legal, but their slow response to canceling them for people that do not appreciate putting their financial information at risk is beyond excessive and clearly shows that they want these things to continue going out as long as possible regardless of whether you want them or not.

Please be advised that I have a Visa Card with Bank of America. My reason for writing this letter is because I do not understand why I am being charged an additional one percent on the outstanding balance even after the interest has been charged for the same month.

I have spoken to the customer service department with Bank of America and I have read the papers that I received when I first opened my account in 2007. I did not see this listed in the fee section. I never really noticed pay any attention to the fee until I saw a segment on ask Liz pertaining to hidden fees on bank cards. With them charging the extra one percent I will never get my balance down because this fee is taking the extra money that I was trying to pay to get back on track.

My complaint is I was charged interest on a 0 balance. I was charged interest on balances that did not exist. When I talked to customer service in August about a return and was advised to call if an interest charge showed up only to be told I owed this. I was very upset, you are charging interest on 0 balance. How can this charge carry over for two-pay period when paid in full.

Their customer service was not willing to assist or make the adjustment, I said if this cannot be reversed then close my account. When I asked to talk to their supervisor, they hung up on me and closed my account.

I was in Delhi India last week and tried to use my Visa/ATM card. The merchant told me that the card won't go through. I was embarrassed, worried, and caused great inconvenience. I returned to the hotel immediately and called BofA. They put a protection because there was irregular activity. I told them I travel all over the world with my job all the time. The phone call I made from my room cost $77, which shows BofA phone number. I tried to get it reimbursed and they refused. Manager Tanya told me, "Well, did you let us know that you will be in Delhi?" They are losing a long time customer over $77.

I had my car broken into and my ATM card stolen. I filled out a fraud claim and it was denied. I called and had them re-evaluate the claim. Same result. It was denied because I had made a purchase similar to that of the thieves. I asked them if I could fax them a copy of the police report, they said no the decision stands. Next I call the CEO office in Charlotte, NC and get passed off to their VP who stood by her representative's with there decision. Since the time of the claim my account has been shut down and sent to collections, some company called First Source and they were rude and nasty. I have talked to them 5 times and one of the times, the manager and his employee both yield and used fowl language.

I have asked the VP to launch an investigation or to even help and she laughed at the request. I asked for further help from the CEO and she replied, "I am the person that handles his calls and writes response letters for him." So is there really is no purpose in dealing with the higher ups because they won't help either. I refuse to be bullied. I need help.

I had an inappropriate charge to my debit card from Vision Star, Inc., Los Angeles, CA. I had signed up for a service with a monthly fee. Then, I cancelled the service after some time. After my cancellation, they continued to charge my debit card for the service and would not respond to my complaint. I filed a complaint with BofA under their publicized guarantee of security against fraudulent charges. They investigated the charge and came back with the lie told to them by Vision Star that I had not cancelled.

My view is that my bank works for me, not for the merchant. Accordingly, I didn't expect my dispute to be dismissed without further contact to me regarding their response. Additionally, I had alerted them to the likelihood that the merchant would lie and requested that if that would be an issue, I'd be happy to cooperate in further investigation.

This is the second time they failed to honor the "guarantee" of security that they advertise. The earlier one was when I was charged over $600 by Sterling Optical for glasses that I never received.

I'm through with this organization and would strongly caution anyone else considering using their service to think again. Likewise, for anyone presently using their services. Of course, I also don't think well of Sterling Optical or of Vision Star.

I'm out the $39.99 that I disputed (as I was the more than $600 with Sterling). I was able to stop further charges from Vision Star by having the bank issue a new ATM card number. This takes the notion of electronic banking down the wrong path and exemplifies the degradation of morality in our system. And it makes me sick at heart.

I have an NEA Mastercard and have had it for over 10 years. I never carried a balance and never had a late payment. On Oct 7th, I received a form letter telling me that BOFA would no longer pay my scheduled payments for merchants on my NEA card via their Bill Pay system. They retroactively dated this to take effect Sept. 30. I now have 2 "merchants" who have submitted their scheduled bills but, BOFA won't pay them. Neither of these merchants accept alternative methods of payments. I will have to cancel my MasterCard and get another Credit Card company in order to pay these "merchants". Is it legal for BOFA to determine who it will pay and who it won't? It is paying some merchants but, not all? How is this legal? And, how do I know which merchants it will or won't pay?

On the front of my credit card statement, it says payment must be received by statement date. When you go online to pay, it says payment must be received by 7 p.m. of that day. I called them at 7:40 and was told basically too bad, even though I was paying entire amount due. This caused a late fee and added interest.

I called to inquire about my World Points reward, because I had been informed during a previous phone call, that I was eligible to receive an $85 reward in the mail. I called today to redeem my award, but was informed I was still 17 points away from qualifying. The representative then informed me that I am in good standing with the company (i.e. never been late on a payment, etc), and that I may qualify for a lower interest rate. He then transferred me to another department ,where the representative took my financial information. They discovered I had a slight income change, and then lowered my credit limit!

I have worked my ** off to pay down the card over the last year, bringing my balance down from $9,500 to $7,450. He lowered my limit to $7600. So now, instead of having a larger percentage of my card paid, it appears now that I have nearly maxed out the card. After speaking with a total of five Bank of America representatives, I am told the limit cannot be raised. I called to claim a reward that I earned! How did I end up with a damaged credit? My credit will be further damaged, due to the fact my credit limit was changed. I feel as if I were tricked into having this happen.

Bank of America closed my account for no valid reason or any prior notice, despite my account being in good order. I was never late, periodic use. I always paid in time and paid in full. We are excellent customers, but we have been absolutely disrespected by Bank of America's incompliance to correcting the issue. Bank of America credit department should be audited for incompliance, unethical and immoral business practices, not to mention their incompetence on accepting they made a big mistake and inability to work with the customer. We are not asking for too much. We just wanted this issue resolved ASAP.

Credit Reform was supposed to help shield consumers from credit card companies that impose multiple fees or seemingly underhanded APR and penalty changes. I feel that when the legislation was passed, the card issuing companies were given too much time before the changes went into effect and also that there are still many policies the banks have that allow them to harm or inconvenience consumers. Please allow me to tell you my story. Prior to the reform, I had a very good credit score. I have not had any adverse transactions or late payments since then and yet my credit score continues to go down. I'll tell you why.

Part of your credit score is based on the ratio of used credit to available credit. I originally had about eight credit cards all with balances and all with available credit. Over the last year, I have gotten down to six cards. I keep getting notified from my various credit card companies that they are lowering my credit limit. This happens over and over bringing the credit lines down to nearly the balances on each card. Obviously, this is hurting my credit although my payment history and salary information is good.

Another issue with the practice of lowering credit limits is that by the time they notify you (retroactively to whatever date) you may have already used the card in the meantime. Case in point, today is September 3rd. Yesterday, I bought a new tire and used a credit card. Today, I got an email notice from my credit card company (and I will get another paper notice in the mail as that is what always happens) stating that they have changed my terms effective September 1, 2010 lowering my credit limit. This not only increases the chance of going over or near your limit, it can really affect plans that you may have made to pay for something in the future.

There are also times when you plan on traveling and use a card to hold a reservation only to have the limit lowered before you go and then guess what, you don't have the card to pay for the planned expenses. This is not a fair practice and I am strongly suggesting that it be discontinued. I have had this happen multiple times and each time I think I should let somebody know about this because the credit card companies are still finding ways to harm the consumer even after congress has attempted to reel them in. Thank you for your time.

I called Bank of America (BA) wanting to see if I could get my credit card rate reduced. They slipped a rate increase in on me over a year ago, and I didn't see their little notice until it was too late to opt out. I have had my "Premium" Bank of America card since 2002. After they raised my rate, I protested, but they refused to lower it. Since then I have just paid the bill every month in a timely manner, paying over $2400 interest in the last year alone on a $10,000 balance.

When I called to ask them to reduce my rate, I pointed this out, and they referred me to their "retention" department, and I got Travis **. He said BA does not lower their rates unless you go through their preferred "3rd party credit counseling" company and do a debt reorganization process. He got heavy-handed with me in the process, saying if I didn't do the credit counseling, my credit would eventually be ruined. Now understand, I have a history of maintaining my credit on time, and I was being very polite with him. He was just making all kinds of assumptions about what a deadbeat I was and telling me about it. He wanted to transfer me directly over to his "credit counseling company" while he was on the line, and he wouldn't tell me this company's name either.

Only after I questioned him about it in detail did he admit that this credit counseling would damage my credit rating for the next 5 years. He was trying to tell me it really didn't matter, that I didn't need a good credit rating because I'd probably just go do damaging things with it! I took the company's number and politely begged off. Even them, he continued to make these insulting insinuations about how hopeless my future was credit-wise.

But the part that really got me was, 2 minutes later, he called me back, to inform me that he had just slashed the credit limit on a credit card in my husband's name, which we had, recently, paid down by $2000! He had slashed it down to the new balance. We had paid it down to, in response to my asking for an interest rate reduction. I asked him, "Why did you do this to us? I went to a lot of trouble to pay my husband's card down, to improve our credit score, the balance-to-limit ratio matters in our credit score." First he said, "Well, it isn't your card anyway, it's your husband's card," I answered, "I pay the bills and I know what we paid on it and why." And in reply, he threatened, "Well, you shouldn't complain, I could just close your cards on you!" I was flabbergasted.

He further went on to say that the balance-to-limit ratio doesn't matter much anyway, not to people like us. I was just so angry at his tactics because I believe that the purpose of this was to try to force us into a reduced credit state so that we would have fewer options, and it was vindictive because I didn't go with his little plan for me to stop trying and trash my credit. We could have balance transferred this credit card to another card with a lower interest rate, but with a lowered score, our chances of doing that are greatly reduced. It just seemed like he was trying to railroad us and is some sort of destructive person, and apparently, this is what Bank of America is telling him to do. Damage to our credit rating. It will make it harder for us to negotiate our rates and payments down, which will make it harder for us to pay down our credit cards.

His actions and his threat also made me so angry that for the past 24 hours I have been unable to get on with things, and unable to sleep! He was trying to convince me that I was doomed and had no choice, and his actions were retaliatory for not going with his credit company. It isn't right to be treated this way by a creditor that you have been paying as agreed.

The Bank of America has made numerous excuses for not processing a dispute against a merchant who charged me for services not rendered--breach of contract and breach of implied warranty of habitability--and who promised to refund my money in full and 30 days later refuses to do so.

Bank of America MasterCard states that the "merchant has a right to receive payment for services that were to be rendered, if they were willing able to supply the service but were prohibited from doing so as a result of circumstances beyond their control." In this case, the vacation property I rented had a gas leak, for which the merchant made no effort to repair despite several requests. Therefore, my family and I were unable to occupy the rental unit.

I have a credit card with Bank of America with two APR's. One at $19.24 for cash advance, another for 1$1.49 on purchases. My minimum payment is $92. I have been paying $150 for more than a year. Nothing ever comes off the higher APR amount, if anything money is added to the higher interest rate. I have not used this card in more than three years. I was under the assumption with a newer law, that some of my payment would go toward the higher APR. This surly isn't being done. Is there any help for me?.

Bank of America (S***k of America) received lots of $$$ from the Bush and Obama bank bailouts. I had a line of credit of $30,000 for 8-10 years with S***k of America. Because of the economy, huge increase in my mortgage payments with S***k of America, loss of income in my business, I asked for a balance transfer of only $10,000 of the $30,000 just for a few months until expected income of over $20,000 in two months. I was told that the funds were available to me and then transferred to a b***o receptionist female who took great price in interrogating me about why I needed the money (expand my law practice - money needed for advertising), etc., etc.

She said my "case" was hard for her to decide whether to give me 1/3 of my promised line of credit. She then took great pride in saying "No." You have other credit card debt. I said, yes, and I have other credit cards with no debt. She denied my line of credit and lowered my limit to the amount I already owed! That line of credit was my safety net. Do not trust S***k of America because of that stupid b***h, I have decided to default on that credit card and my mortgage payments. My house is underwater $100,000 now because of the economy, needs repairs and it will take up to one year for those a***s to foreclose on my house. I will live in my house free for approx. one year and then move to the beach and rent!

All because of one stupid b***h at S***k of America and because of their sleazy policies of f***g people over S***k of America will lose over $150,000 because they took away my measly line of credit! I take great pride in f***g them over! Do the same. The day before the foreclosure sale, file a bankruptcy petition. That filing stops the sheriff sale for another three months or so.

This is actually two stories wrapped into one big transgression by BoA.

First I will preface my history with BoA, which until this was truly stellar. I obtained my first credit card through Nations Bank back when I was in college (21 years ago). I have had many loans including a couple of car loans, one first mortgage, and two separate HELOC's on different houses. My personal banking was with them, as it was always free due to the loans I had with them.

Rewind to last January when the long amicable history hit the skids. First, they decided that my HELOC had become a bad risk, and decided to close it down with no notice, no nothing. In fact, I received the letter stating that the account was closed roughly 2 weeks after they actually closed it. Is that even legal? Regardless, I went to my local branch and talked to a personal banker, or whatever term they choose to use. We spoke with someone in the HELOC department, and they outlined a method of trying to reopen the HELOC. I chose not to pursue this.

Basically, they decided that my house had declined in value, but did not bother to even run the numbers or pull comparable sales in my area. I owed less than the original mortgage amount between the mortgage and HELOC, and found that comparable sales were in the neighborhood of what I originally paid for the house when I bought it. Nothing in the whole equation had changed. In fact, our family income was all that had changed, increased actually. But instead of maintaining a long running business relationship, they decided to cover their own posteriors at the expense of a good customer.

Fast forward to March. Suddenly, they decide that my credit card that I have had since 1989 is now a bad risk. They reduced the available credit on it down to $200 above the current balance. So now, I have not only lost all access to a secured HELOC, they decided to revoke the last available credit I have with them. Again, nothing has changed in the equation.

If this is the way that BoA values their relationships with customers who never miss payments and are never late with payment, then they are obviously not the bank for me.

I contacted Bank of America regarding an overpayment of 7.69. I have requested my money on two different occasions but have not received it. Each time, they state they have sent it. The amount owed isn't the issue. It is the principal of the matter. When you owe them they hound you. When they owe you, it seems that they take their time compensating you. It is poor business practices.

I have been a customer of Bank of America for over 15 years. I had this account when they were called the First National Bank of Boston. I felt good about being loyal to a bank that helped my family for so many years. Well, let me tell you that Bank of America came in and made my life pure hell. Ever since there has been a way to use debit cards to pay for items, it seems like they (Bank of America) have been setting me up to fail. Many times I have been charged fees for insufficient funds, although my account says I have the money. Instantly I'm charged with ridiculous fees with rates that would make Al Capone crack a smile. I have been charged over $5000 in fees since they have set this as a standard.

Listen to this, a few months ago I got into a car accident. The rental car place made me give my information on my Bank of America debit card. I explained to them that there were not sufficient funds on the card and it would be rejected if it got charged. Well, they said it was formality. Since I was not at fault for the accident, I was not worried about being charged for the rental car. Well, lo and behold, somehow the rental car company found a way to charge my card. They shouldn't have because it was the insurance company who should have paid the bill. That's why I pay insurance. This should have resulted in a rejection or at the very least should have been sent back to the rental insurance to pay.

What gives Bank of America the right to continue to charge me for it when they knew I didn't have the funds to pay? Now Bank of America has me on the hook for over $900 for the rental payment and fees for not having the money and they expect me to pay them. I am still trying to get the insurance company to pay the bill to the rental place because they owe them, not me. Because of these fees and incorrect actions, I have suffered mental anguish that has left me untrustworthy of banking institutions and honestly big business period. By rendering my account negative so many times when there should have been money in there has messed up my credit with other businesses and people that I have dealt with in the past.

My credit has suffered a lot during these economic times and enhanced by the predatory practices of the Bank of America. I would like to be contacted in case to recoup my monies that I have lost during the years. This is in the upwards of $5000. This will not repair the goodwill that I had with other companies and people who I did business with that somehow was affected negatively. Please review this complaint and feel free to call me on all matters that deal with this case.

In 2009, I had a stroke. Six months later in 2010, another stroke. I am now permanently disabled. I talked to Bank of America about lowering my interest rate and shutting down my cards with an internal hardship program. They said that I did not have enough income for that. So what am I supposed to do? Pay these high interest rates because I don't have enough money? Who made that rule and why is that supposed to make sense? I may just have to not pay them anything. I was thinking about contacting ADA or the American Disabilities Association. Any help is welcome. Thanks for listening!

On 28 June 2010, I wrote an access check (good until 1 July 2010) from Bank of America to Service King Collision Repair for $2,113.96 with a Promotional 0% APR until the end of November 2010, at which time, it would increase to our normal APR of 9.9%. But when we received the bill, it showed the transaction had not taken place until 2 July 2010. So Bank of America treated it as a Cash Advance with an APR of 24.99%! I now have in my possession a screen shot from their records showing that the funds were made available to them on the 30th of June 2010. The manager of Service King stated that the check had been written on 28 June 2010, then went to their Telecheck service, and funds were available from that check to Service King on 30 June 2010.

So, in essence, Bank of America, in my opinion, deliberately withheld the check until 2 July 2010 so they could charge the 24.99% APR for Cash Advance. I have now contacted Ross and Matthews, PC to see if I can sue them or at least get my promotional APR back. If not, I will transfer the entire balance to another of my better credit cards and close my account with Bank of America. I thought the new law in effect was supposed to stop predatory credit card scams, but I guess that law does not pertain to Bank of America.

As I see it, everyone should open an account with their local credit union, as the customers are the ones who own the credit union, plus, many other perks that banks do not have. If you have a Bank of America credit card, get rid of it. If not, don't apply for one! I have been a customer since 2002 with no late payments (in fact, I have always paid more than the minimum). Our credit is excellent.

Also, their Customer Service is totally useless in matters such as this, as all three I have spoken with (one was supposedly a supervisor) all told me that nothing could be done or they refused to even try to get the matter resolved. What happened with the billions the taxpayers gave BOA? Will we ever see any of that back? No, but the Federal Government will (the ones who gave it to them in the first place). If it had been me, I would have let them go under, as smaller banks would have started popping up across the country. I did not give my permission to bail them out with my taxpayer money. It looks like Bank of America needs another class action lawsuit against them.

I found a home with KB Homes in Spring, TX. I had informed everyone that I had been called back to work from my old company. I had been on unemployment for 1 year. Everyone knew my work history and was told that my credit history was good (I used my 401k to stay solvent). Now that I've scheduled my move, the day before closing they said because of my employment history for 2 years, I'm not qualified.

Now I have nowhere to live, and scrambling to find a rental until I can get a new lender. If I had known this, I would never had applied with BoA. I have a car financed with them and credit cards. I'm going to cancel my credit cards and refinance with someone else. It will be a cold day in hell before I use BoA again.

I have had a BOA College credit card since 2001 (my freshman year in college). I have 15.99% APR interest rate and called BOA and they will not lower my interest. I have been a loyal and continuous customers for over a decade and think it is right for them to offer me a better interest rate than when I was in college and opened this account (my first credit card).

I was approved for a different card with Citibank MasterCard and will probably take my business there. BOA should be loyal to the customers that have been loyal to them.

Several years ago I applied for a BoA Visa card and was approved. I received the card and was given an interest rate around 9% and $5000 line of credit. I used the card to make purchases up to around $4000 and then began to make monthly payments that always exceeded the monthly payment by double or triple. Never one late payment.

One day I was sent a letter from BoA stating that due to my credit circumstances, my interest rate for the card was being increased to about 20%. I called the company three times and got three different reasons for the increase and all were lies. At that time my credit score was around 750. I was given the option of basically freezing the account where I could keep my current interest rate and make normal payments but NOT use the card, which I agreed to.

I put the card in my safe and started paying down the balance. I was sent a new BoA Visa card when the old one expired but I never activated it and put it in my safe. Some time in June, I noticed that the terms of my BoA Visa had changed. I was given a $8000 line of credit at 5.25%, which I felt was fair. I was hesitant to use the card with my previous bad experience with the older one so I called BoA to confirm the terms. I also told them about my problem in the past and a lady there said that all those policies had been changed and I had new terms. I could activate my card and use it at the new terms. I decided to activate the card.

I am remodeling so I decided to use the card for about $400 purchases in the period of five days. One purchase required a PIN, which I had long forgotten, so I called their customer service and asked for a reset. They said something would be mailed to me in several days. I was then told that because of my credit circumstances, my line of credit would be cut from $8000 to $4000. I spoke with several different people and got different reasons. I told them I would no longer use their card.My pay by web balance was also changed reflecting the new LOC.

About a day later, BoA credit card security called me to asked me to verify that I had recently began to use the card again. I told them I had made the purchases but no longer wanted to use the card because they changed the terms. The person from security said my records showed I had $8000 LOC at 5.25%. I asked him to re-verify. I was sent to another department and I was told their info was accurate. I went on their website and my bill paying web page showed $8000 LOC at 5.25%! I asked them to please verify because I didn't want to exceed my limit. I was told my limit was 8K and on my bill payer website my terms now showed $8000 LOC at 5.25%.

I then made about $800 worth of additional purchases. One day I got a letter from BoA stating that my request for "additional" credit had been denied. I also received a second letter on same letterhead congratulating me on my acceptance with a new LOC of $4400. I called the company again and was told my LOC has been cut and they could check into it again. I then was told they couldn't raise the rate back to the $8000 they had promised me. This put me about $400 over my credit limit. They refused to change the terms.

I went to make a purchase on my Bank of America credit card, when the purchase was declined. So I went home and called Bank of America to see why the card was declined because I have been making my payments on time and pay more than the actual payment due.

The customer service rep said that the card was canceled because my credit was poor. I started yelling, why they did not notify me and my payment is $90 and I pay $160, the rep said nothing so I told her to shove the card where it does not shine. I do not think this is fair practice and something should be done.

The store where I went will no longer accept credit cards from me because the items were special order and they had to pay a restocking fee not only that the embarrassment that I went through, I no longer go into store.

I applied for a MBNA card when I was right out of college in 2001 and was approved for a credit limit of $2,000 and never had any issues, I actually had wonderful experiences with MBNA. I would call them up and ask for good balance transfers. I would be given a great balance transfer rate often for the life of the balance, get it paid off, and do it again when I needed it. They kept raising my credit limit eventually up to $15,000. I called several times and requested them to please stop raising the limit. I didn't need or want it that high.

Bank of America swoops in and buys out my MBNA card and all has been hell since then. Forget a good interest rate, and forget good customer service. I lost my job a few years ago and it was almost 6 months until I could find a new job, so we used this card and others for many of our everyday expenses. Now, my "minimum" payment with BOA is $350 with almost $200 in interest. I'm trying to pay other cards so am having a hard time even making the minimum payment which isn't even putting a dent in the amount I owe.

I called BOA and asked if we could work out a deal that I send them a very minimum amount (around $50 a month) while I pay off another card and then make very large payments to BOA. I was told that I didn't qualify for a finance plan because my monthly income is less than my monthly debt. Duh idiots, why do you think I'm calling for help? They then transfer me to the recovery department (where I should have never been transferred) to this total **. They are making no attempts to work with me on trying to get my debt paid off. The people who run this company should be publicly stoned. I've never dealt with a bigger group of idiots in all of my life.

I had a BOA Visa and one day I called to see about lowering the interest rate. I had made a payment one day late and it sent the APR reeling. I waited the instructed 6 months and called back. When I got the next available operator, she told me, "This credit card is doing nothing for you. Let me tell you about our credit line." I signed on for a "credit line" and was told I could borrow cash when I need it, and when the balance goes down, I can even lower the payments. I was getting cash advance checks for a while and didn't think about it when they stopped.

One day I suddenly needed a root canal and went into my local bank to see about getting some money toward my surgery. The teller was very confused as to what I was talking about. I opened my phone and logged into my account, showing him exactly what I was describing. After a lot of confusion behind the counter, they asked me to please pick up a phone at the desk behind me. A gentleman informed me that I actually do not have a "credit line", but I have a credit card. I have never received a card or anything of that sort. I was also informed that my limit would be dropping and that my request was denied.

I had never had to "ask" for the advances before and had never been denied. Then to top it off, I was told that my other BOA Visa card was reassessed and they are lowering my limit on that too. That was last February. I recently called asking to lower the payment since the monthly minimum was based on the larger balance. I have made payments to lower the balance and felt a more reasonable monthly payment could be arranged. I was denied again. I agreed to certain terms and a credit line I could use. I was told it's there for when you need it, and that has turned out to be completely false.

Bank of America gave me a card with a credit limit of $17,000.00, with a rate at 9.99%. Then, they lowered my limit rate down to $8900.00 and raised the rate to 11.99%. I have a balance of $7,900 on the card. They sent me a letter saying that they were going to raise the rate to 24.99%. I closed the account just to keep my rate at 11.99%.

The card I have is a WorldPoints reward card, per customer service representative Dashica from Virginia. Since I have not received my rewards check for $536.00, a new check would not be reissued to me. It is Bank of America's policy to credit this amount to my balance. My first issue is that this is not the original agreement. If the terms and conditions were changed, I did not receive written notification. Second, I do not understand how I am able to receive my statement monthly, advertisements, and teaser checks to cash. Yet, I cannot receive my rewards check via US Postal Service. We normal pay our bill in full every month. I do not feel I should be put in a position of obligation in using this credit card. I do not feel this is right. Please assist me. Thank you for your time and assistance.

In 2008 I apparently had a cash advance of $100. I noticed on my statements I was being charged $6 a month "cash advance fee" on top of regular interest. When I emailed to question this, they explained in fill in the blank emails, that according to the new federal law as of February, all payments over the minimum will be applied to cash advance. I asked what was my balance on the $100 advance. As of July 2010 the balance was $182 even though my minimum payment was $20 and I made a payment of $200 in April.

What they are not telling customers is you must pay off your entire balance to stop the cash advance charges. My limit is only $800. That means to date, I have paid $216 in interest on a $100 cash advance, and still owe $182. Additionally, they raised my interest rate to the 29% cash advance fee for my account so all purchases are at 29%. I informed them their policy was fraudulent and that for 29% interest, I would find another credit card and bank.

Just FYI, I live in China and Western Union funds to pay only my student loan and my Visa payment. For those two debits, BofA charges me $10 a month for the checking and $15 a month interest on a $300 balance on my credit card. That means I am paying over $360 a year to make two payments and one deposit a month. I encourage everyone to cancel their Bank of America accounts and find a credit union if you can. If not, any other bank would have to be more honest than the scam they have been reprimanded for by the federal government. That is why they enacted the law which went into effect in February that any payment over the minimum amount is to be applied to higher interest rates.

Beware! They will raise your interest rate to match the cash advance rate, and unless you pay off the balance entirely, you will pay and pay and pay and the balance only goes up. Numerous emails that never addressed the true issue. I requested an itemized statement from them showing the original $100 cash advance, and a month by month accounting of exactly what was paid on the cash advance.

There is nowhere on the statement where customers can opt to pay off the cash advance, even though their emails say "you can pay the higher rate" if you tell us to. I should not have to tell the bank to obey the Federal law that has mandated they do so automatically. I am very interested in any class action suit against the bank for fraud or any other criminal or civil actions against them.

I have several credit cards with Bank of American and 2 of which have offered me a low interest rate for balance transfer. I have one which I have been using with an interest rate of 10.9% and has a credit line of $ 22,0000. I called them and asked to have the interest rate reduced but they have advised me to transfer the balances from the $22K credit to the other 2 unused card.. These 2 unused cards had only a $ 2000 and $ 6000 credit line but is offering to have a 0% or a 3.99% apr. I told them I do not want to do this since using up all the credit line available will affect my credit score. I have an 800 credit score. They insisted on transferring the balance from my other credit card which has a credit line of $ 22000 and split it with the 2 so it wont use up all the credit and only 45% of the credit line is used.

A week later, I am requesting for the credit card which had the $ 2000k credit and was increased to $ $ 16K and was told they have to do a credit history... I am so shocked when they told me they had reduced my credit line to the existing balance on my card which means that my credit score will be affected.

I talked to the manager and of course they have made the decision but i find this deceitful since they did not disclose this in the beginning and false advertising on their end...

Yes, they offer you a low APR but they never tell you that they will also reduce your credit line once you go through the process therefore affecting your credit...

What can we do about this? I see this has been happening again and again..

I recently went to trade in my truck for an SUV. My credit was ran and to my suprise it had dropped significantly since the last time I had it ran. When I purchased my truck in 2008 I had a credit score of 742. I went back to the dealership to trade in my truck and my score was now 615! I have never been late on my payments, EVER! I was confused so I asked why this could be. Well, stupid B of A lowered my credit limit because I wasn't using it "often" and when it was lowered it exceeded the credit limit. So, I was over my limit on that card and in turn got screwed on my credit score.

I had called the bank earlier that year because I noticed my interest rate had gone up. They told me they sent out a letter that stated I could opt out of the rate increase. Um, I never got a stupid letter, why the hell would I not opt out of that? I got transferred around to several people because I wanted the orginal rate back. After serveral pointless conversations with unhelpful people, nothing was changed. I pay my bills thank you! It ****** me off that B of A gets away with this and the only answer you get is we are sorry there is nothing we can do.

I have been a Mastercard Bank of America customer for 14 years, have a $65,000 credit limit with a 0 balance. I pay the full amount every single month, never even one day late - ever. Without any notice, they shut off my card. I was away at a professional conference (alone) with no other card. I didn't get a call, text or email. I was totally humiliated, scared and stuck 1200 miles away from home. They didn't even just reduce my credit limit to like $20,000.00 from $65,000. They just shut it off with no warning.

Our debit visa credit card was cancelled without notifying us via email. We were not aware of the compromised accts stolen; cards cancelled and new cards issued as we were left America October 14, 2009 to travel Asia. We use only our debit card to access our funds when travelling. Our first decline was in Singapore in November, 2009. I thought the bank was paranoid us travelling several countries thinking the acct was stolen; all I thought I had to do was call the bank and reassure them it was us using our card. We took a train from Singapore to Thailand and did not have access to contact the bank until we reached Bangkok. I called the bank to discover our debit card had been closed and a new card issued and mailed to our Colorado address! We have no cash and no way of accessing our funds in our bank account. The time difference from Asia to America makes it difficult as banking hours in America means it is 3 a.m. in Asia.

I called the bank and gave my information to four different employees and found I had a dead connection; whether they disconnected and didn't want to handle my problem (which I concluded was happening) or a lost connection. Finally I reached a woman in Georgia that was very competent and within two days (after trying for a week) she had money wired to us and a new card expressed. However, do to the time it took this created a problem with us overstaying our Thailand visa, caused hotel/food expense for an extra week (we had not planned on being in Thailand that extra week) and our passports went under the six month requirement by two days to leave Thailand even though we had six months left on our passports.

We had additional expense to obtain emergency passports which took two more days. We were fined 3,000 baht for overstaying our Thailand visa. We did not need the expense of new passports as our passports were good until June 2010 except in Thailand. In addition to all this expense, we have auto payment from our bank. The bank did not continue paying our auto payments. One storage unit was auctioned off without our knowledge. Fortunately, we were notified of the other payments not made so we could set up the new card #.

Bank of America should be held accountable for the expense, time and anquish they created for us by not notifying us via bank email. I monitor my bank statement online frequently; had they sent a message online on my bank statement I would have know there was a problem.

I need to know how I can be compenstated for the expense created by Bank of America. I have described above the damage. Please have an attorney contact me via email. Thanks

I had a credit card through Bank of America and paid off balance in full in April 2010 after my mother passed away, as she she the primary acct holder. I had made payments through reoccuring debits from our checking account that were automatically withdrawn each month. After I paid off the amount IN FULL in person at the bank in April 2010 the bank stated the acct was closed and no more debits would be withdrawn. In May, nothing was withdrawn, but come June 2010 they debited $500 from my checking acct for an acct that is closed!!!

I called customer service and "Jodi" told me she's have this credited back to my checking acci within 24-48 hours, and gave me her emplyee ID and confirmation #. A week later this has still not happened, i've talked to a supervisor adn they said there is no employee ID or confirmation # like that, and it takes antyhwer efrom 7-10 business days to be credited, but she'll call me back with more info later. this company is dishonest and very unprofessional, and will take you for all you're worth and nor blink an eye, avoid all financial transactions with Bank of America, they are a disgrace to America itself!!!

On August, 19th, 2009, I contacted the ACH Fraud Department of Bank of America to request an update on my case number: 4041716MAR09 in the amount of US$15,500.00. I was informed by their representative, Ms. B., that my claim had been upheld. Since I no longer reside in the U.S. I asked if a cashier's check could be mailed to my Belize, Central America residence. She took my details and told me it would be. She also told me the check would not be released for fourteen business days. On Sept. 2nd, 2009, I received a letter from Bank of America confirming my claim was upheld. Mail from the U.S. typically takes two to three weeks to reach Belize, though it can take as many as six.

When I contacted Bank of America on Nov. 2nd, 2009, I was informed that the check was mailed on Aug.24th, 2009, but to a U.S. BofA Banking Center, because cashier's checks cannot to mailed to an out of country address--despite Ms. B. having agreed it could be. Bank of America could not tell me where the check was sent. Several "researches" were made to locate it to no avail. All they could tell me was that the check had not been cashed.

From Nov. 2nd, 2009 to the present day, I have dealt with numerous representatives of the ACH Fraud Investigation Team, their supervisors (Priscilla F., Liz M.) and lastly a manager by the name of Alfred S. The last time I communicated with him successfully was in April. His message to me was that he was waiting for his manager to return to work on April 26th, 2010. I have attempted to speak with Mr. S. several times since--June 8th, 2010 being the last time. He was not available and a message was sent to him by Ms. L. of the Identity Theft Victim Support Helpline. They have this claim listed under case number 224312. I also left him a voicemail message. My only access to Mr. S. is through the Victim Support Helpline number.

Although I offered them a U.S. address to which the check could be sent (Bank of America in Houston) it has now been almost ten months since Bank of America upheld my claim, yet I am still waiting to receive my refund. Note: The address posted on your form is my last address in the U.S. (which BofA has on file). I used it because your form cannot cope with out of country addresses. I presently reside at Belize City, Belize, Central America (which Bank of America has on file and has used to contact me in writing about this issue). I have resided in Belize since June 20th, 2007.

The original identity theft occurred through my online banking service with BofA. In total, over $44,000.00 was stolen. I have recovered only $13,000 so far. Should I recover the amount of this claim - $15,500 - I will still have lost almost $16,000. BofA offers no centralized assistance. I have been forced to work my way through the problem with countless individuals. One person, Rebecca S., of the Victim Support Line, went through my statements in their entirety on August 11th, 2009, but she is not able to point me in the right direction to recover these outstanding funds. My costs are almost a $1,500 in international calls, a trip to Houston to complete a physical identification check, ofter which I received the check for $13,000 which cost me $2,000.

Obviously I called their customer service which seemed to listen but were unable to do anything. I asked to speak with multiple loan officers and each gave me a completely different reason for having to raise the rates and NONE were true or relevant to me. They also gave me the option of Freezing the account at the current 6.9 rate and only allowing me to pay the balance down monthly. They said if I paid late ONCE or used the card, my rate for the entire balance would go to the default rate. (over 24 %). I chose to freeze the account and paid on it monthly.

Several months ago I got replacenment Visa cards from BOA. I was curious so I went to their website. My account was now listed at 5.4% with a line of credit5 at $8,000. Since this deal was slightly better than one of my other cards, I called the company to "activate th cards and was told i HAD $8000 CREDIT but a balance of only $3800, giving me about $4000 to use if needed. The lady I spoke with told me the cards are live and full line was available.

The same day I tried to make a PIN purchase and got declined at three different places. I was able to buy $20m worth of gas (non-pin).

I called up BOA to reset my pin, and instead was given a on the spot credit check. When the person came back on the phone, I was told that my $8000 line of credit was going to be cut immediately to $4000! Once again, they used the "change in circumstances" clause to do this. Never considered that I had not missed one payment with a mortgage account (bought from Country wide) and years of paying the card on time. The person I talked to said she ould try to work something out, but came back with the same news.

My credit score dropped substantially because of this and it made re-financing (stremline fha to try to get away from BOA mortgage) difficult to get. My quoted rates were also much higher then before they did this. These folks had no trouble issuing money and credit cards to illegal aliens, who ran up bills and skipped town, but they try to make up their losses on the average everyday worker. I would not buy one product from this company and when I get them (by challenging them at credit bureau, I will refi away from these thieves.

"Dear Ms. Hall: Enclosed find your completed letter regarding this fraudulent transaction. A few comments are necessary, since you repeatedly fail to link up a second fraudulent transaction in your communications, you are delaying this investigation and you are failing to serve your customer of over twenty five years.

"This transaction is now six weeks old. I reported the unauthorized charge to you in an email dated May 2. I have reported that there were two charges, one for $15.98 and another for $14.99, both posted on April 21. I have received no substantial information from the seller, Blizzard Ent*Wow Sub, and I requested your help to cancel these transactions and provide me details. I received a telephone call from someone from Bank of America about 10 days ago asking me if I authorized someone from Texas to post charges on this account, and I told her "no". I asked her if she could provide me any further information about the transaction learned from Blizzard, and I asked her to pass whatever information she had learned to the Upland Police Department, which I've asked to investigate and to issue a subpoena to Blizzard for that information, and she refused to do that.

"Yesterday I received your letter dated May 27 (a full week after we spoke) requesting that I return the signed letter to you (for written confirmation that I didn't authorize this transaction) by June 6 or "we will assume you are no longer disputing the charge(s)" and that "the balance will be owed."

"Enclosed is your written confirmation. I doubt it will be received by you before the June 6 deadline. Regardless, I continue to dispute these transactions and will pursue recovery for them against Bank of America, Blizzard, and the yet undisclosed Florida credit card thief, whether you help or not, and regardless of any unenforceable threats you make. I plan on cancelling all my Bank of America accounts after this problem is resolved."

two fraudulent credit card transactions, $15.98 and $14.99, that B of A now threatens to re-charge against me unless I respond by Monday which I can't do.

cc: Detective Wilson, Upland Police Dept. Re Case No. 10129022 w/ four page BofA letter

Bank of America decreased my available credit to 420.00 after I deposited the check and I lost 634.00 due to unpaid expenses and overdraft fees at my bank.

The very next week, I received more cash advanced checks.

Additionally, when I wanted to discuss how this credti limit decrease was going to impact my outstanding balance and if it will push me over the credit limit, the call was disconnected and when I called back, I was told I had to accept responsibility. Meanwhile, the account is always paid on time, I pay more than the minimum payment, and I have never been late.

My last CC statement states I have $11,103.99 available . I treed to book a hotel for a funeral and my card is declined . When I spoke to the representative he told me they took away my available balance on 4/29, he did not know why? I have not received any notification at all? I am current and have no credit issues at all. I have sparking credit! This causes issues with the auto payment accounts I have connected with this card. They should be required to notify quickly. Today is the 5/3 and I have no knowledge they were going to do this .

My teachers union offered a great interest rate on a 60 month line of credit. My husband and I are in the process of renovating and fixing up our house. With an almost 800 credit rating, we applied for a $10,000 line of credit in August of 2009 and after several months of confusion, missing, and blatantly inaccurate information (on BOA' s behalf) we finally received our credit line in December of 2009. We started our renovations and by March had a bulk of it done with $4,800 borrowed. More than the necessary minimum monthly payments were made ahead of time through Jan-March. An April payment of $2,500 was made three weeks early dropping our balance to around $2,300.

In late April, we attempted to use our line of credit to finish our project in the tune of around $3000 and were denied. BOA' s customer relations on the phone bounced me around to four representatives including one (confused ?small business? creditor) who all told me the same thing. All personal credit lines were discontinued company wide in December (the same month we received our original LOC)?

This leaves us with unfinished plumbing, electrical and flooring. BOA did not attempt to notify me that the line of credits were being discontinued. The customer service representative actually told me that it was my responsibility check on the status and to make sure the account was not discontinued. Had I known, the extra monthly payment money would have been used to finish our project and we would have made the loan payments on time over 60 months.

Very frustrated and disappointed with BOA' s lack of customer communication and commitment. I have paperwork documenting BOA' s confusion including my current bill that shows my "available credit" of $7300. Today is April 29th, if these accounts were discontinued in December, I shouldn't have "available credit"? I wonder how long until my request for a supervisor's call back will take?

Why has my APR increased on both cash and balance. We used 0% APR checks to pay or mortgage and now it is over 29%, we could get a better rate from a loan shark. I have found a significantly better APR percentage with another credit card company (As stated months ago when I called to cancel card and refuse changes to card) and I canceled my account. I thought, I would send a message to see what is going on and see what you have to offer before I report this account and report the spam calls with out any messages being left, all which are recorded, time and date especially those before 8am and after 9pm and on Saturday and Sunday. I have had the card for years, paid the balance in full every month, now, the last year, I have been very ill and this is how I'm treated. I have automatic payments set up, yet I keep getting charged a late fee and you lowered my credit each time I payoff the card so I get over limit fees. Obama will love this! As well as the Card Act and Can Spam Act. I have been out of work and having financial difficulty (hospitalized, disability). I have been unable to pay my Chase account in full for several months, though I have automatic payment for minimum balance. regulations from the Card Act of 2009, effective February 22, 2010.

First of all, does Bank of America stand for or bend over again? Now really, I thought I was the only one out there, but after reading all these other comments, I realized I am just another victim of BOA's tactics. This is my story... In the last few years, Bank of America raised my credit limit. Because I was "a valued customer with outstanding credit". Now this happens and now I am harassed constantly, even though I have automatic payments set up.

Where do we turn for the bailout, like they received? Where and when is it going to end. For me, I have made the decision to close all cards via a "Debt Settlement program", not from BOA. One last thing, seven hundred billion taxpayer dollars in real money was given to these companies, not credit. BOA asked for and received 45 Billion dollars in TARP monies. Who is asking Congress for me, to receive a bailout. If that 45 Billion given to BOA was distributed amongst all their customers, wouldn't that have saved the customers, and not BOA's Executives? And isn't BOA supposed to repay the monies, the money they are hijacking from all of us! It is a scam and they are getting away with it.

A few months later since my credit limit was lowered to with-in less than 2500.00 of what was currently due I over limited the account when an auto payment from a vendor was charged to my account. I recently made a payment to the wrong credit card fortunately this was still a Bank Of America account that I had already paid in full years ago, so I called there customer service, and explained to them what had happened, and asked them to remove the late payment charge as I had made the payment on time in fact, 9 days early, but to the wrong Bank Of America account. The lady in customer service said not a problem, I'll credit the account for you and remove the 39.00 late service fee.

I have asked at least 5 reps to put me in contact with a supervisor. One has and that man, Tony, advised that he would flag the account in his name and contact me weekly to ensure that the account was resolved and that the fees were adjusted before I sent the funds. He also advised that he would send a letter detailing the error by BOA, all fees and late charges, etc. to be removed, and that any negative information be removed from my credit report. I have received no letter, no call from Tony or any other supervisor, or live person for that matter.

My emails have gone unanswered or answered so erroneously that they are impossible to comprehend. There are I guess so many complaints, they are two days behind. It doesn't matter, the supervisor will agree with what he did. Something has to be done about this company. There needs to be a lawsuit against them doing this. If I am showing an ability to pay not only their debt, but all of my debt and am never late, how dare they make that assumption. Shouldn't they have to show cause before they lower my limit? Can these banks do whatever they want, because they can? I am now trying to find a way to refinance my house, pay them off and get rid of them forever! I think what Bank of America did to me and i am sure many other folks in these economic hardships that our whole country is going through is not much less than criminal. I will never ever, ever do any kind of business with Bank of America again.

I will never, nor will any member of my family do business with Bank of America again. Although we understand that we are ultimately responsible, we expected to pay a late fee and move on. Bank of America, however, had different intentions. In addition, Bank of America has reported us to Equifax making it impossible for us to transfer our debt to another account. Had we stayed at 8.9%, we would have continued to pay our account without any problems, however, Bank of America has put our family in a situation of great hardship. So far we are paying their required high interest monthly payment and yet they still won't consider anything else. We refuse the debt consolidation because we consider transferring our debt to a company we no longer trust absurd - Bank of America is behaving like a loan shark and seeking monopoly over our situation. We have other credit cards and do not have any problems with them.

This happened a week before the new law was passed to protect consumers against such predatory behavior. Interesting enough, second time we called they had changed their greeting to: "If you did not received a bill, you still responsible for paying it on time" - by that I assume that we are not the only ones that did not receive a bill in the month of July. I truly believe we fell victims of a scam. I am being charged over $100 a month is fees for fees and fees for other fees and late fees for my payment made 8 days before the payment due date seriously. What is going on. you are being reported to CARD and FBI for the abuse you have toward creditors.

I paid the remaining balance of my BofA credit card and within a week I was informed by letter that they had "periodically reviewed" my account and had reduced my credit line from $6900 to $500 due to a "history" of delinquency with other creditors, which, according to my credit report that was pulled the following day, is a $1 balance (yes, one dollar) on a Chase Bank credit card that is being disputed with Chase. I lost nearly 50% of my total available credit as a result of this action. All payments on this card and my other credit cards have been made on a weekly basis so they are never late and are always more than the minimum amount due.

I received some cash advance checks for me to draw against my credit card. It is advertised as a 0% APR through next year and then 9.9% thereafter. All of that is fine. However, there is a fee of 4% for each transaction. That would make the APR a minimum of 4% through next year if I paid it off at that time or higher if I paid it off sooner (8% APR if paid off in 6 months). This type of disclosure is misleading and unfair to consumers.

I called BOA to find out what had happened to some fraudulent charges that were supposed to have come off my bill. I was told the total I owed now is $5,700.00 and I requested a copy of that statement, which I got in the mail. The following month, I received a statement saying I owed $6,433 after I paid them $400 in the same month?

I destroyed this card back in June of 2009 in front of witnesses and have made no purchases, but I am still being charged purchase fees and cash advance fees. They want $200 in payments then charge $700 in fees, so I owe more and more. I have already moved my checking and savings to another bank because they stole so much of my money I have statements from my new bank showing how much was paid and statements from BOA, which do not reflect those payments.

My experience with BofA is typical of most of the stories I have read. To make it simple, I missed a payment 6 months ago, and my rate went to 24%. I called BofA and asked them to forgive the rate increase, since I have been an excellent customer since 1994. They told me that I had to make 6 months of payments on time before they would reduce my rate. So, I waited, and on the 6th month, I called again. My balance was $11600.00 with a credit line of 16,500. My 6 month payment was $8000.00.

I made that payment in good faith to help with making a decision to reduce my rate. (I also had a smaller card with $2778 balance and also paid that off at the same time.) So when I called, they would not reduce my rate. They closed the small account and lowered my limit to just a few hundred dollars over the new balance. I kept asking for a supervisor higher up.

Finally after 30-40 minutes, they reduced the rate to 19.99%. (Did I mention that they ran my credit without authorization and said when you ask for a rate reduction, they automatically run your credit history?) I am hugely disappointed. As a long-time customer, I am sure if I paid both off completely, they would have closed both accounts. And I paid the large payment in good faith, as I will need this card for a small expense I expect in mid-July.

I will say this. I am in the real estate business, and I will never send anyone to them for a home loan again. So much for being a responsible consumer and counting on them to hold up to their end of the bargain. (One excuse they told me is the new federal laws they have to go by.) I can tell you these people voted in November 2010 to stop congress from running our personal lives. Oh yeah!

One more thing, I asked for a transcript to be sent to me of the entire conversation. I was told to contact their legal department and that I would need a subpoena to get it. But when I do that, they have a computer glitch and the conversation will be missing! Also, I had 2 other credit cards that reduce my rate just on the phone call. (Citi and Discover... So I know they could have done something if they wanted too.)

I had a credit card revolving account that allowed me a rather high limit (8k). The interest rate was okay, about 18%. That's a lot for this high a balance but okay. I was late once, maybe twice, when BofA upped my interest to 29.9%. This was on an $8000 balance. So now, my interest was about $200 a month and they stated to charge over balance fees too. How did they expect me to pay this off anytime soon with a 30% interest? Why do they practically double your interest rate over night under the concern you're a risk when I practically assured you can't pay it off? It's a trap that assures them a lot of interest profit plus late and other fees. It gets better.

After about four months and the balance creeping up to now $8500. My husband took another loan out to pay it off. We called and got assurances the payoff balance was the same as the statement and that it should make it in time for the period. Well, we sent it in with I believe 10 or more business days to clear. BofA cleared it the day after the closing date and charged us $200 in interest and $116 in fees.

We had just paid them a $8500 pay off and still got a $300 bill the next cycle in return. We disputed this over the few years to no avail. The bill is now $700, all penalties and interest. And when we try to get this worked out with them, they say its a just charge and we have to pay it all or settle. We are trying to settle this, but people need to know that Bank of America is willing and waiting to get you trapped in late and over limit fees so that they can automatically up your interest to mafia rates. My first experience with them was a $500 limit card. I should have learned from it. I paid $50 to $60 a month for a year and at the end of the year, I still have over $500 balance. Somehow practically every month I was charged a late fee. This put me over the limit of the card. So I also got an overlimit fee every month while they charge a high interest and told me the minimum payment was around $50. Pure greed and predatory.

On 4/12/10, I applied online for a measly $2200 increase to my credit line so that I could cover an unanticipated tax bill. I too was told to call the credit department, who also did a credit review (in 5 minutes, and I have a 30 year credit history). While acknowledging that I had no missing or late payments, I was told that my limit was being dropped $20,000, to what I owed on the card.

The "analyst" asked all types of intrusive questions, also mentioning something about debt counseling. I have a 750 credit score! I was livid, and explained that any company that treats me with so little consideration, damaging my credit score for no reason, does not deserve my business. She said, "I know this is not the result you were looking for" I told her I was cancelling my account and paying off the balance in full and requesting to go on the do not solicit list forever. I said this was probably not the result she was looking for. Heck will freeze over before I ever deal with BOA again. I had a $35,000 credit limit that was only one-third consumed. Now, my credit score will take a hit because of the loss of available credit, but probably not as much as having a 100% loan to limit ratio.

More than two years ago I paid a BofA credit card account in settlement. BofA has never officially closed my account and continues to: 1.) report outstanding debt to bureaus and 2.) compound fees and interest on said "debt". I have filed well documented disputes with all major bureaus but the results of the "investigations" are that the debt is valid according to BofA.

On the phone, when I can actually reach a live human, I am told many things ranging from "it is a computer error, we apologize" to "you owe us $5,238 will you be paying that today?" In the mean time my FICO has taken a nose dive. I have no outstanding debt, pay all my bills on time, and am appalled and disgusted by the whole thing! Is there any recourse? My FICO score is roughly 100 points lower than it would be had BofA done what they were supposed to do. Therefore, at this point my credit rating is "fair" when it actually should be "good"; therefore I am not able to qualify any type of credit line! Argh!

I have been trying to work with MBNA to pay off my debt to them for 8 years now on a 5 year "loan". They increased my finance charges to be more than my minimum payment due. My minimum payment due was $230, my finance charge was $250. When I called to discuss it and ask them to lower it, so that I could pay it off, I was told they were unable to help me and I need to pay more money then. I asked them how I was supposed to pay off a 5 year loan when they were charging me more than what my payment was. They didn't care.

Fast forward: I lost my job and I called MBNA to see if they could work with me. They told me there was nothing I could do. So, I defaulted. I couldn't afford it and I couldn't justify paying them when they were the only ones that would not work with me. Finally, I was contacted by someone from MBNA that wanted to ask why I had defaulted. I explained my situation to them and what had been occurring. They were able to lower the interest rate 10.1% and stop the finance charges so that I could get my credit back on track. They would do electronic payments for 6 months and then I would need to call in and reauthorize the payments for another 6 months. That was two years ago and I was still being charged a finance charge that surpassed my monthly minimum. They were unable to do 6 months of payments continuously.

I was receiving multiple rude phone calls about being late on my payments. Since I was late, they would stop the agreement I had about low rates so I could pay it off. When I pointed out that they were still charging me a finance charge, they took it off again, but did not and will not take off the money that they added to my total due to those charges. So now, a 5 year loan is going to be roughly a 20 year loan. They are incompetent, rude, and do not want to work with their customers. My credit has been damaged and I will end up paying three times the amount I should have on this loan.

BofA was using a sliding due date, and once the payment was two almost 2 weeks earlier than usual, they caught me for a $30 late fee. Since that time, I have access to my account online and check it weekly. I think a new law prohibits this type of crooked procedure.

This complaint is regarding a credit card account that was closed over 1 year ago. My husband mistakenly paid $18,000 to this account. Even though the account was closed, they accepted the payment. When he realized what happened, he immediately called to request the money back. He was told that he would have to wait 3 days. Later, when he called again, he was told it would take 14 days and a check would be issued.

They received this money in 2 payments on March 5 and March 8. Today is March 31. Today, I received a statement from the bank saying that my closed credit card account has a balance of -$18,000.00! I called to find out when I would be getting my money back and was told that it had already been sent to my checking account yesterday. However, I checked my checking account balance and the money is not there.

I understand that it was a mistake on our part by paying the wrong credit card company. But we were still obligated to pay the right credit card company. This caused a financial hardship on us, as it was difficult to come up with another $18,000.00, not to mention the stress and anxiety it has caused. I don't think they should have accepted the money to begin with and certainly should have refunded it right away.

My father has 2 credit cards with BOA that he has been struggling to pay for years. A recent review of the accounts show that as far back as 2008 BOA has been charging $65 each month for credit protection in addition to monthly late fees of $39 for one of the accounts with a balance of $4000 that has grown to approximately $5000. Oh and the interest rate is 26.24%. The second account that has now ballooned to more than $15,000 has been charged each month a fee of $165 for credit protection in addition to the $39 each month late fees (interest rate 26.74%).

My father is 77 years old and retired on a fixed income. We are currently working with FIA to reduce his monthly payments and stop the late fees. However, BOA should not be able to add additional fees to cardholders if a customer is not making consistent minimum payments. The amount of money he has paid for credit protection is well more than the benefit. It's a shame he paid a lot of money for credit protection but his credit was never protected. The cost of the protection has only added grief and regret that he will never be able to repay this debt.

Balance on credit cards have ballooned significantly because of the addition of the added service. My father was too old to benefit from credit protection when they solicited him for this service nor did he understand how much it will cost each month. When my father was working he was always able to pay his debt. He has now become very depressed as he realizes debt has become so large.

I currently have a Bank of America credit card that had a $12,000.00 credit limit. In fact, I just received a new card stating that I am currently working out of town and am using the card to pay for motel and expenses. Today, the hotel called me and told me that the card would not take this week's charges for the room. I called Bank of America and talked to their credit department and their response to me was that they had taken my $12,000 credit limit down to $1,900. Now mind you, I have never been late or missed any payments. What aggravated me the most is that they never notified me that they were downsizing my credit limit. I am out of town working now with no way to pay for my hotel room and related expenses and I am very embarassed with all this.

My complaint is w/ Bank of America's credit card division. I feel I was totally misrepresented and abused by the person I spoke with in regards to my Bank of America Credit Card account. I was so proud to be a holder of such a reputable company. Back in June of 2009, I needed to straighten out a small problem I had and wanted to do a balance transfer with them.

I have always had excellent credit with them and all my accounts. But on that day, I was shocked and blown off my chair. This was my card and no one else's. I took pride in it and looking back on the discussion I had with the account representative, I feel I was mistreated and unfairly taken full advantage of. I asked for a small balance transfer and at the time the representative abruptly told me in his next words, "Ma'am, I need to make a discussion right now. I am taking your card away from you." I asked, "Why?!"

He said, "Because your husband had a Bank of America Card for his business and he had recently made a deal with them to pay off a certain % of it" and because I was married to him, he needed to take my card also. I was the only signer for my card, and did not have anything to do with his card (I was not a signer on his account). He added me to his account as a contact person to speak with them if there were any problems he might have. I asked him why and how can he do this to me. I have always been a faithful card holder and my credit score is excellent. "It's my decision," he said.

So I started to cry, took the card to my husband and cut it up in front of him. He was so sorry for me and said they can't do that. I said, "Well, they did." And to make matters worse, I had an alert on my card report. It seems they added his account debt/ dispute to my credit report. I immediately contacted the credit reporting agency and it was researched and deleted from my records.

To make the story even more heart wrenching, I just got back from a wonderful vacation, but was partners up with a couple in a game of golf. We decided to have dinner that evening and lo and behold, my golf and dinner partner works for Bank of America in NJ and has been with them for sometime. I told him my story and how upset I was, and he said that that didn't sound right. I should have a lawsuit against them. He further said not to worry, that he will bring it to a highest level and return a call to my husband.

He seemed very concerned and sincere. It has been almost 2 weeks and there is no call. I told him to play back the recorded message which led to the stealing of my card. I told him just about word for word what the representative said to me. I feel something smells rotten at Bank of America! Please help me erase the horrible ordeal from my mind. I would honor an attorney to contact me and get to the bottom of this. Thank you in advance for your help!

I have had 2 credit cards for over 25 years with MBNA. Bank of America (BOA) has purchased MBNA and therefore, I now have credit cards with BOA. I also have had a Country Wide mortgage on my house and that is now a BOA mortgage. Somewhere around 6/2/09, I was contacted and offered a rate reduction mortgage from 6% to 4-3/8%. The loan officer said they could drop my monthly payments and combine my HELOC (which is a personal line of credit on my house) with the 1st mortgage and I'd have a reduced mortgage. It sounded good. I did remember that "sounds to good to be true it probably is! " too.

Well, the process involved a $450 deposit to start the process and a home appraisal needed to be done. That was eventually done and after a few months and many promises of "everything looks good! " , they couldn't give me the loan as I had too high of a debt to income ratio. I told the load officer, "So what you're telling me is I can't afford to pay my house payment I've been paying promptly for 12 years." The thought was they wouldn't give me a loan with a reduced monthly rate because I couldn't pay it according to their "tables". If that was true, I obviously couldn't pay what I was currently paying. I was out of luck and that was that!

I called back a few times to try to understand the logic and talk about my $450 which was supposed to be refundable if the loan didn't go through. I was informed my loan officer had changed and I got a new one now. This new officer informed me that although I didn't qualify for the previous loan, I did qualify for a VA interest rate reduction which would be "no problem" since I didn't need to qualify for that. It was a new special program for veterans. Great! I was thinking, I had to get another appraisal and they would need another $450 to get a new appraisal. They would refund me the $450 they owed me. They eventually did too! This new interest rate reduction has been going on after I signed the papers back on 12/28/09.

I've called about every month and am promised a quick resolution to the loan. On 03/24/10, I called again and was told the underwriters are very tied up. If my load is approved it should be by the end of April. I said. "What?! If my load is approved? You said everything was OK and now I find out 3 months later it could be denied! What kind of a process is this?" The loan officer was very sorry but he'd do what he could. "I'm sure it will be okay," he said.

I'm now in limbo with this loan refinance and I'm not sure if I should try to cancel it and move to another bank or what.

In December of 2009, I paid off the credit cards completely. Actually, they owed me almost $100 as I didn't want interest to mess up my payoff. In February of 2010, I called to ask a representative if they were offering any promotional interest checks like they had in the past to encourage me to do a balance transfer from somewhere else to their bank. They said, "Please Hold". After a lengthy delay. they came back and said, "No, we're not offering any promotional things for balance transfers." I said, "Okay, well, that is that." Then the "Account Representative" said, "I'm canceling both of your credit cards!" "What?!" I said. She said, "Due to new government regulations, you have too high of an unsecured debt to income ratio and I'm canceling both of these cards."

I had a MasterCard with a $0 balance with a line of credit of $50,000 and a Visa with a $0 balance with a line of credit of $25,000. And now I have nothing. I used to use both of these cards for business purposes as I am a small business owner. Now I have no operating credit because of what. I talked with her supervisor and got nowhere. If I hadn't called and hadn't paid off the nearly $55,000 that I had owed to BOA on both cards, I would still have them. I would still be paying them down but now I have nothing.

About 2 weeks after this happened, I got a letter in the mail that said they had reduced my credit to $15,000. I figured they must have reconsidered and then just changed my credit limit. One month went by and I decided that for a project I was working on, I'd borrow $10,000 of the $15,000.00 limit as I could pay it back in a couple of months. I was informed that the card was canceled. I called an "Account representative" and was told that that letter must have been sent by mistake. They caught it on the 2/16/10 and "didn't I get the new letter? " Well, no, there was no such letter.

I just figured they were throwing me a bone. Instead, what I got was a kick in the teeth. I did get a letter in a couple of weeks after that event stating my account was cancelled. Now I look at my MasterCard and Visa account via the web and it shows me having a Visa with a $15,000 limit and a MasterCard with a $25,000 limit. I'm sure this is ** too! I'm waiting for the next letter. You just have to laugh because it's so sad. The economic damage so far is in the loss of my business credit line of $75,000. This is very bad timing with the economy being what it is.

We paid down our Bank of America balance with bonus money this year. I logged in to check to see if they got my payment and the day after they posted our payment, they dropped our credit limit to be within $1 dollar of the remaining balance. We intended to pay the remaining amount this month. But when we called to ask if they will drop it again, they would not confirm or deny it. They claimed that the credit review was random. No notice. Really? Do they think we are that dumb? We paid a big payment to Home Depot and same thing.

Here I am trying to improve my credit score, paying what I owe. Now, it makes it worse because it looks like I am maxed out. I get why they are doing it. But I have not been late on either account ever. I feel like I was punished for others poor financial decisions.

When my partner died, I ended up with a credit card debt of almost $3,000. Now, I'm told that I owe over $6,000 because they raised my interest rate to 36% and didn't tell me until after the fact. I am currently dealing through consumer credit company and they didn't even know about this and didn't even get an offer to settle. Also they put so many overdraft fees on my checking account that I have an overdraft of $360. I tried to pay but the account has disappeared so I can't pay it. Can you help me out? Thanks.

After reading an article in the St. Petersburg Times South Pinellas Edition on February 21, 2010, I feel compelled to advise you my dissatisfaction and total frustration with Bank of America. On September 28, I was laid off from my job which paid $73K a year. I called Bank of America with the Homeowners HOPE Hotline on the phone. BoA advise us that there was nothing they can do and that I don't qualify for the "Making Homes Affordable," since I had Mortgage Insurance and my loan was backed by Freddie Mac.

In mid-December, I realize my situation was getting desperate, and I was not finding work and only receives $275 a week in FL unemployment. I was told that I make too much for food stamps, and borrowing money from family and friends is not enough. I called back BoA. I spoke to a very nice man (even though it took over 30 minutes to get to the right department). This person advised me that I do qualify but that it takes BoA 45 days to FedEx the Form 1126 and Hardship document. Even though these are on the Making Home Affordable Website, he stated I could not use them.

Well, 45 days came and went, and I received a call from BoA advising me they were so busy and that it was going to be another 30 days, which should be next week. The woman who called me was very nice and explained once I received the paperwork that I can qualify for a 3-month trial but that I must remain current in my mortgage.

I am very very frustrated about this process, as I was a Countrywide customer, and now, BoA purchased them. Between December and the call in mid-February, I must advise you that I called a few times to follow up as I am desperate. I also own a home in Pennsylvania, so I have 2 mortgages, HOA fees in FL, plus all my utility bills. And I am only receiving $1,100.

I cannot keep borrowing money from family and friends. I already owe out close to 10K just since September. I can forward you the article where it stated BoA has been the worst in assisting customers with the Making Homes Affordable. Any assistance would be greatly appreciated.

We had a B of A credit card. For the 1st 3 months, we sent the payment out the same day we received the bill, as is our standard practice. The next statement showed that the payment was received one day after the bill was due. We were charged a $29 late fee each time. I called after each overcharge and was told the same thing by several employees: "We're not responsible for the U.S. Mail." I was telling this to friends and it turned out that one of the gals had worked for B of A. She said they are trained to hold off on posting payments until after the due date has passed. They are also trained to insinuate that it is either the customer's mistake or the mistake of the U.S. Post Office. The 4th month, we paid the card off, but sent it by registered mail.

My company, not I, signed and is responsible for a credit card with Bank of America. My credit report of November 2009 clearly shows that the card is not associated with me (the score is over 777). Bank of America now decided to attach this to my personal credit (the score is now 617).

About 5:30pm, March 4, 2010, I was at the Shaw's supermarket shopping for groceries when it was time to pay my card was decline twice for no reason. I called the number on the back of the card which directed me to the fraud department and ask me to verify if I made 3 of the same transaction of $74.67. I press one for the automated system to say I was trying to make a transaction and it was me at the market. The automated system asked me to verify my personal information which I did, then the call ended. I ask the store manager at Shaws' to run the transaction again and ask him why did the transaction run more then once on my card and he said on his end, it didn't. And the transaction was declined for a third time.

I called Bank of America which I finally got someone instead of an automated system. She told me Bank of America process the payment 9 times but did not go through and that a fraud alert was place on my account and would be removed in 15 min. 15 passed and still I could not use my checking card. Now, it's 6:15pm, I am calling Bank of America and get passed around all these automated systems and all this verification. Finally get someone from the fraud department, she has an attitude and won't let me speak to a manager and tells me to go to a banking location. It's evening time after bank hours and I need to purchase my groceries and she is not concerned and hangs up.

I called again and was directed to another female who told me the same. It is now 6:35pm, I rush to Braintree mall to find the only bank location still open at evening hours to wait a long wait to speak to a personal who says, Oh yeah, sorry you had to deal with that what do I want to do" like I was boring her with my situation and it's not that bad. I ask to close my accounts and all my money return to me for poor service. She told me that the card was closed either way that the reason no transaction was able to go through is because they had closed the card for no reason. She said, she can give me another and I will receive it in the mail. Without understanding the inconvenience and the issue.

I got 3 credit cards with a $30,000 limit on them. A few months ago, Bank of America called me, and told me that they were going to reduce my personal credit limit to $15,000, which I am okay with, because I only had about $3,200 in it anyway! Now, on March 2, 2010, I went to pay my daughter's dentist, and my card was declined! I contacted the bank, and they told me that my limit was reduce to $200 more than what my balance is!

Okay well, I still have my other 2 business credit cards that I can use, nevertheless, my 2 business card's limits were reduced to $200 more than what I owe! My credit is spotless, with 741 points. I never had a late bill or anything! I am going to take my business account somewhere else, and leave my toxic asset (3 BOA mortgage) with them! It is making it very hard to do business without the credit I had. My credit score is still 741 points. No more Bank of America for me. I am still going to a lawyer to see my rights, and show how Bank of America is trying to put me out of business. We all need to unite and fight this bank. No more banking with Bank of America. Support local banks!

On March 3, 2010, I logged to view my checking account, and I noticed that BoA/FIA card services had taken out two credit card payments when I had only authorized one payment. I'm on a fixed repayment plan, and I have been on one for about a year now. Back in January of this year, I contacted a lady through BoA to set up automatic payments to extend three months (January-March).

One payment was already pending for January 15 and would be considered late. (I didn't call to set up the recurring payments until the 15th.). So I verbally decided to let BoA/FIA take out an additional amount to be debited on January 31. This was the only time I approved a double payment. (It was only to play catch up.)

Since the end of January, I have been current on my fixed payments, and they have been debited as expected. Well, on March 3, I checked my account to see if my payment had been processed, and they had taken out an additional amount without my approval, and my account was negative. I contacted customer service, and they told me that I had filled out a form and sent in a voided check authorizing FIA card services to take out an additional amount. I never filled out a form or sent in a voided check. So who did this and said that I approved?

If I could afford this, I would have said so. I'm so upset and angry with this bank. It took almost 6 months for someone to even give a legitimate alternative for making my credit card payments. Every person I had talked to before would make it seem as if I had no options available for making payments.

I'm fed up with this bank. The person who authorized the second auto payment should be fired. This isn't legal, and it's not right. The unauthorized second payment gave my checking account a negative balance. I have bills to pay, and now, some of the other payments may bounce because of this incident.

I have had my Bank of America card for a couple years. I always paid with the minimum or more. My credit limit was $9,500. In the fall of 2009, I paid a large chunk and they rewarded me by lowering my limit to $6,500. So a couple weeks ago, I paid my balance off of approximately $6,300 and today, I received a letter informing me of my new limit of $1,000. I have been rewarded in paying my bill with a reduced limit.

So I called their "Credit Analyst" who asked a few questions and basically said that due to my business downward trend and business debt, I was unworthy. I had applied and received a card last fall after BOA reduced my limit from another card company. In researching my account with BOA, they found a $5,000 payment posted to my card which wasn't even mine. So I had a credit balance of $5,000. I am an honest person and reported this mistake. So as I see it, BOA is dying and honest-paying, credit-worthy customers like me are penalized.

Under the advise of my banker and accountant, I was warned that BOA would lower my credit as I paid it off. BOA said since I carried a balance and didn't pay it in full I was obviously struggling and credit cards were no meant to be long term. I asked if I could see the clause where If I didn't pay it off within a certain period, they would reduce my limit.

The bottom line is this, my business relies on credit cards to purchase supplies, inventory and entertain customers. Without business credit, how can we survive? Can BOA explain to my customers why my shelves are empty? Despite the economy, my business has made money the last two years and my debt is 20% of what it was three years ago.

My local bank thought well enough of our performance to give us a new business loan in the fall. It was backed up by the SBA who recognized our performance and finally the local newspaper highlighted our success with a front page article.

I have held a Bank of America credit card for several years. I have a zero balance and have paid every single bill on time. I called to activate my new card (my old one was going to expire). The representative was rude to me and told me they were cancelling my card because I have a balance on other cards. I explained to her that I have a small business. I do not have a single late payment on my credit. I am current and in good standing on my bills. They were very rude to me and cancelled my card, damaging my very good credit score. This is a bank who had to be bailed out by the government. Credit score damage

My credit has always been sterling. I have been unemployed now for 18 months, and as of today, I am still current on all bills. Back in Dec 2008, my BOA Visa statement showed an interest rate increase to 29.88% and I called BOA to discuss it. In the past, I have called creditors to get my interest rates lowered and have been very successful.

During this conversation I shared my employment status and how this high interest rate would make things even tighter. The gentleman I spoke with said they could help. He described a program with 0% interest for a year while I paid down my debt, which was about $3800. This was a temporary program and I would not be able to use my credit card during that time. An automatic payment from my checking account would be set up also.

I asked if this would have any adverse effect on me, including how it would appear on my credit report. He said absolutely not. And since it was voluntary, I could stop it at any time, or at the end of the year duration, and everything would be just as it was before. I thought this was great and didn't mind not being able to use my card since I had 1 other card. I have always been responsible with my credit but this period of unemployment had forced me to use credit more than I would have liked. I figured I would be employed soon, so it seemed like a win-win to me. Papers were sent to me, they all looked in order and I signed them and the program began.

Soon after, I noticed that the bonus points I'd accumulated were not accessible to me. I called BOA and was told by Lisa that I could not use them during the program but once the program ended I would be able to use them. I was not happy about this because I was not told this initially, but I complied. A year has gone by and although I received no notice from BOA, the program ended because I saw on my statement that my interest rate went from 0% to 13.24%. I called BOA to ask if this program could be extended or the rate lowered. They answered no on both accounts plus I was told that I already had the lowest rate because I was such a good customer.

Through conversation, it came up that this card was permanently suspended, which was news to me. And I was losing all my bonus points. This began a series of phone transfers and 2+ hours of conversations with BOA. The bottom line is that I got conflicting information from different people. Firstly, I misinterpreted the initial program. I have notes that I'd taken but was told that that was not official information.

Secondly, I was correct with how the program was initially set up but the new federal laws prohibited BOA from reinstating my credit card. They said their hands were tied because the government said that any card that was suspended for any reason could not automatically be reinstated. I actually had one man just keep reading over and over from the fed law while talking over me. Another woman suggested I look for places to cut my expenses, like eliminating cable TV, which I'd already cancelled. Yes, I did get pretty hot with that remark.

Long story short, they invited me to reapply for a new credit card which I said we both knew I could not get. And possibly, if I can get my points back, they are still deciding. My biggest complaint is if this is true about how the new federal law has effected my Visa, I feel BOA had a responsibility to inform me prior to the law taking effect so that I could have made an intelligent decision about how I wanted to handle the possible permanent loss of my credit card.

Yes, BOA did send a form letter in Dec 2009, but there was no information on this letter about any suspended accounts. In fact, Citibank sent a similar form letter and offered a choice to all their customers of paying your balance with the old lower rate by which you would lose your credit card and have to reapply or allowing the new higher interest rate and keeping your card. I chose the latter since having been unemployed for so long at this time I worried that I would not easily get a new credit card.

I told this to Ms. ** and said BOA had a responsibility to inform me of what could happen to my suspended account under the new laws and given me that option, she said who in the world would pick a higher interest rate! I told that that is exactly what I had done with Citibank so I could keep my credit card. Then she said they couldn't possibly notify everyone with suspended accounts, which I told her was ridiculous as it was in their data base.

I recently pulled my credit report and saw that BOA had requested my credit information this Jan 2010. I believe that they have purposely withheld information to their customers that were on suspension, whether voluntary or not, so that they could deny them their credit back until they checked their current financial situation. Why else would BOA have pulled my credit info?

I have banked with BOA since 1996. Through various bank acquisitions, I ended up owning three separate credit cards. One card had a credit limit of $40,000. The second card had a $2,500 credit limit. The third card, an airline mileage card, had a credit limit of $15,000. I wanted to transfer some of the available credit from one of the other two cards to the airline mileage card which I use most frequently.

I called and requested the transfer of available credit. I even offered to close one of the cards knowing that closing a card can have a negative impact on my credit score. Instead of transferring available credit to the requested card, BOA lowered my credit limit to $7,500 on each of the other cards. In other words, when I started I had available credit of close to $80,000. When I got done my available credit was $30,000, half of it on cards I haven't used in years.

This afternoon, I closed all of my checking and savings accounts withdrawing almost $60,000. I have applied for a US Airways Mastercard from Barclays Bank, but was advised that I might not get it because of my credit "problems." I don't have any credit "problems". I am debt-free, own my own home, and pay off my credit card in full every month. I suspect that BOA lowering my credit limits has had a negative impact on my credit worthiness, but I won't have proof until I am denied credit. Barclays Bank said I will hear from them within 30 days. I'm frustrated because I have worked very hard to establish my credit. I feel that it was stolen from me without cause. I have never had a late payment.

My complaint is a serious matter pertaining to the constitutionality of a Bank of America "representative" closing two of my Bank of America credit cards without cause. I paid my two high interest credit cards off a few days ago and today I received a phone call from Angel ** (1-410-229-6957) advising me that I had to have a "credit review" with her by phone. My caller ID did not indicate that the call was from Bank of America and I told her I did not want to engage with her via phone. She stated that my Bank of America credit cards would be changed and I would receive information via mail about it.

Less than an hour later, I learned that she cancelled my credit cards. If I was to be "reviewed" for my credit worthiness, she did not obtain any information from me to make her decision. In other words, she cancelled my accounts based only on information from my credit report, which is not a bad report. How can she unilaterally make a decision that my debt to income ratio is wrong if she does not have all the information? She cancelled my cards (because I paid them) and the impact on my credit rating will be adverse. These are Gestapo tactics! My "status" was fine with them while I was paying 25% interest and is suddenly "not acceptable" because I paid them off! The Bank of America representative canceled my credit cards without the information that she would need to make a decision. Adverse information likely on credit report because the bank closed my accounts instead of me closing my accounts.

My story is typical. Loyal customer since 2001. Paid my bills on time. Missed an on-time payment by a few days and my interest rate shot up to 27%. Add in the $260 monthly "fees" that it allegedly costs them to loan me money and lo and behold, I had trouble making my payments and started falling behind. Now, I owe nearly $20,000. Have closed my account with them. Opened up an account with my credit union and happy as a lark.

Note. I still owe BOA $20,000 and climbing because they would not take any payment from me, and refused to acknowledge that they made an accounting mistake. BOA ruined my credit, took way more money from me than they had to. I wish them ill and advise anybody of common sense not to bank with them.

I have discovered that when sent a new credit card from BOA ,they come with a sticker across the front indicating that you must call to activate the card. The sticker indicates that this protects you from fraud and that the "card cannot be used until you call from your home phone number". Actually, after 100 days from them mailing your card, BOA automatically activates your card regardless of any action taken by you. Therefore having to phone to activate is not necessary and is merely an method of BOA marketing additional paid services to cardholders under the false impression that you are being protected from fraud. In fact .my last 2 credit cards from BOA were automatically activated without my knowledge, consent, or authority.

This automatic activation of credit cards permits anyone to charge services or goods against the credit card without our consent and places the burden of dispute on the card holder even though the cardholder did not activate the credit card. The BOA sticker implies that the phone activation requirement provides fraud protection to the card holder is not true. Phone activation or the absence of phone activation does absolutely nothing to protect the consumer or card holder after 100 days. This is misleading and false. The BOA terms should identify that this automatic activation will take place without any action or authority by the consumer and card holder. If the credit card was on file at a merchant, they can continue to charge against the card even though the consumer has not activated the card. This is a deceptive practice by BOA.

B of A lowered my credit without warning! I have had the Alaska Airlines B of A signature card for two years now. I have always been a good customer, paid my bill on time and even early in most cases. I always paid 3 to 4 times the minimum monthly payment. This month, I had an emergency and I reached out to B of A and asked for a credit line increase. They responded by reducing my credit line to the current balance. They have provided no explanation for this in writing so I called and tried to ask.

The customer care person who answered the phone was nice and then suddenly stopped and said I can help you and then made a comment about the computers being down. The funny thing, however, is she had all my account information when we first started to talk, then suddenly no access. When I pushed her, she finally said that I would have to call the credit department the next day if I want any help. I asked why they had not notified me and she said they were not obligated to notify me unless they were changing the terms of the account. It seems changing the available credit is changing the terms of the account. Anyway, I don't know what, if anything, I can do and frankly will likely just pay off the card and get rid of it. It's sad, in a way, as I really enjoyed the Alaska Airlines perks that went with the card.

I have had a revolving CC account with Bank of America since 1997. Prior to that time, the account was owned by 2 other cc companies. My outstanding balance is $36,578.78. I have paid this balance in interest at least 1x. Since the banking bail out and the "new regulations", B of A has elected to require payment of this account within 5 years. My previous minimum payment was $219 and my usual payment was between $300-350 monthly. The new payment is $536 per month. When I called B of A to let them know that this was a hardship for me, they indicated that they could do nothing to help make my payment schedule more affordable.

The agent stated that I could make whatever payment I could afford but that the balance would then be reflected in my next month's payment. That would mean that on top of the $536, I would have a carry over of what wasn't paid the previous month and there would be subsequent late charges and fees. You can see that I would very quickly owe much more than the existing balance and no head way in repayment of the CC could possibly be made. This more than doubling of my payback schedule has put me in quite a bind.

I have never been late or missed a payment and in fact have routinely paid more than the minimum payment on this card. If I can't meet the banks expectation of the more than double repayment schedule, my credit rating will be tanked and the outstanding balance of the card will raise exponentially as the late fees and interest on the balance grows. This is an impossible situation and I feel a very criminal act on the part of the bank.

I have an LL Bean credit card that originally was with MBNA then taken over by Bank of America. LL Bean has since dropped Bank of America and has joined with Barclay. They have had their previous customers reapply to Barclay for an LL Bean credit card. I stopped using the BOA credit card at this time since I wasn't satisfied with the service and I now had one with better service and rates. Last summer (2009) BOA sent me an offer on the still existing credit card with a new $27,000 limit (more than twice any offer I've ever received). This included a 0% one year balance transfer for a 3% transaction fee. I took advantage of this deal to an amount of $23,000. Incidentally, they tried to get me to do the full $27,000. I only needed to get the $23,000 out of a high interest situation for approximately 6-9 months and I would be able to pay it off. So I stuck with the original dollar amount which turned out to be the only smart move I made.

For the record, this was an online account that I had always received a "statement ready" alert on my e-mail and a hard copy in the mail. When I hadn't received any correspondence for a while I called the customer service line. Well, guess what? They said their records showed that a copy of the statement had been "processed". No on-line statement was sent supposedly since I hadn't requested it. It was always automatic before. My account was now almost 10 days overdue with a late fee and my 0% was in default. I had to request a statement to be sent out. My very first statement, which I never received, clearly shows that I never had the "0"% to start with. The balance transfer I paid $690 for was at 11.9% from the very start. And to top it off, I've never received a credit card. I couldn't use this account if I wanted to.

I have spoken to several representatives and gotten nowhere. I now have the funds I was anticipating and have paid the current balance. At this time I am prepared to pursue BOA for the money they owe me. I will get legal help if I have to. And I don't ever want to do business with them again. I will consider it harassment if they ever contact me again. 11.9% interest (plus 3% transaction fee) on $23,690 from Aug. 2009 to Feb 2010. I was only able to make the minimum payment for this period which was approximately $450 and there for the balance was stagnant.

I did not receive a credit card statement from 2006. I called numerous times, needed statement to dispute certain charges in 2007. They said they mailed them to me and were not legally bound to provide the same. They wanted payment of $35 for each monthly statement for 24 months. They reported me to Credit reporting Agencies and caused great harm to my credit rating.

My mother has had an Alaska Airlines credit card thru Bank America for years. Today in the mail she received a letter saying card stopped/closed. Serious delinquency? She is $4.00 under her $500.00 limit. Never missed payment. She paid 100 payments, 150 payments. She uses the card to pay for her med. Now out of the blue she receives this. We called Bank of America. We spoke with someone who could hardly speak English and he said he had no control. He stated reasons why banks do what they did. None of the reasons did my mother qualify for. My mother needs her credit card to pay for meds. Her payment have not been an issue. This is causing grave concern. If she had known they would do this, she never would have had the card in the first place. I am not happy about this. I told mom we will call the news after we call Bank of America one more time tomorrow. At least we will warn the public. Fraud. Discrimination. Very poor of the bank to do this.

As of February 2010, Bank of America has decided to close my credit card account permanently. A day or two before I received any letter from Bank of America about the matter, my credit card was already closed. When I received the letter on February 18, 2010, it stated that, "The account referenced above is scheduled to expire soon. After a careful review, we are unable to renew your account at this time. The account is closed effective immediately. The principle reason(s) that contributed to this decision are as follows: Serious delinquency..."

During that night, I signed up for a free three bureau credit report and score. While viewing my report, I noticed that my payment history over the past 24 months for Bank of America were filed as current and in good standing (green color) and underneath the account status Bank of America had commented under the three bureaus stating, "Credit line closed-grantor request-reported by subscriber: Account closed by credit grantor credit card; Canceled by credit grantor."

The next day, I contacted Bank of America credit card services and spoke my concern with the first representative then he transferred me to another department. At that time, I spoke with a female representative and expressed my concern to her about why my credit card was being closed permanently. She informed me that I was late five times within a 12 month period as well as I was over my limit a couple of those times. She also informed me that due to my lack of history with credit cards and with Bank of America, they saw fit that my account should be closed permanently.

Being frustrated of the matter, I informed her that during those five times that were late, I contacted Bank of America credit card services and got those situations resolved with fellow supervisors and representatives. I also informed her that of those five times that I were late, they were only one day over my monthly due date, because Bank of America documents a monthly payment as being late the same day that it is due after 5 pm.

I asked her if Bank of America was making a fair choice towards a valued customer. While further talking and voicing my opinion about the matter, the female representative gave me constant silent treatments, stating that I was not asking her any questions. At that moment, I simply told her to transfer me to another representative in her department of higher ranking because she was not paying my concerns any attention. She repeatedly told me that no one else was available and that I should call back if I wanted to speak with another person besides her.

With frustration, I informed her that I would not get off of the phone until she found someone else of higher ranking than she to speak with. Finally, after a 10 minute hold, I spoke with a representative named Kevin. Again, I voiced my concerned and told him that I did not understand the actions that Bank of America was taking in regards to closing my account. I informed him that I had been a credit card holder since 2007 and have never had this problem in the past. I also voiced to him that since 2007, I have paid my BOA credit card in full payment twice and have been steady with monthly payments until recently. I also voiced that during the five times that I was late, while speaking with representatives and supervisors that told me that my account would be okay once the payment was made, they never informed me that my account was in jeopardy of being closed or that it was being closely monitored because of the late payments. Representative Kevin told me that he understood all that I was saying but the evaluation was not going to change due to BOA guidelines.

He further explained some factors that resulted in BOA closing my credit card account which were: my credit score had dropped and that while observing my report, BOA found that I had made late payments with one of my student loans in 2008 and early 2009. I told him that the actions were not fair and that the factors that BOA evaluated on my credit report as well as being late five times in a year after explaining it to the BOA credit card department didn't make any sense to be counted as serious delinquencies, especially if I were a day late with those five payments.

Finally, I informed him that I understood everything that he was telling me was company protocol and that I would find a higher ranking representative than he to speak with tomorrow because the action is truly unfair. I used my BOA credit card to gain credit history because most of my history is with student loans. Now that BOA has taken extreme measures in unreasonably closing my account, I am unable to perform that task. Also due to the comment that BOA made on my credit report, even though it shows on my report that I was in good standing with my credit card, I don't think another major credit card would consider me as a customer, because it may arouse some doubt that a previous credit card company closed my account.

On June 2009, my interest rate went from 9.9 to 24.99. Then my available credit was lowered then the account was cancelled. I called 2/17/2010 to get a lower interest rate. I was told I am not eligible because of the amount of credit I have on credit cards. I have access to all payment I have made since 9/08. There is not one single late payment. I deserve a lower interest rate.

I called BOA to see about getting a lower rate on my card. I have a 14k limit and was carrying a balance of $6200. I have been a BOA customer since 2002 and have never been late with a payment and have always paid more than my minimum. Not only did they not lower my rate, they dropped the credit limit on the card to $6500 due to my credit balances being too high compared to credit extended to me. I informed the rep that this would just make the problem worse. She said she knew that but they have to lower it once they do an active credit check. They did not care that I was a valued customer and was never late.

I have 2 Bank of America credit cards with relatively low credit limits - one had a $2500 limit, the other $1500. I rarely used them, but recently have begun using them, particularly online, for theater tickets. I owed approximately $975 on one and $350 on the other. Saturday night, I was out with my husband and tried to use the Visa with the $2500 limit to pay for a restaurant meal (approximately $125) and to my surprise the card was declined. Luckily I had my debit card with me and had sufficient funds in my checking account to pay.

I went on the Bank of America site today and discovered my limits had been lowered to $1100 and $500 respectively with no notice! I emailed customer service and got the standard reply of how they "valued my business," etc,and that there were notices in the mail of their action. I am livid that they did this without first informing me and I intend to write letters of complaint to the appropriate regulatory agencies. Lowering credit limits affects credit scores.

I filed for divorce in 2003 and was divorced at the end of 2006. My ex-husband took responsibility for a credit card with BOA which I thought was a converted MBNA credit card. He paid it without fail but died suddenly in October 2009. When I called BOA their response was to take his name off the account and lower the credit line to what was owed and close the other account that was in my name. I came to find out that this account was actually opened in January 06 by my husband using my good credit and that it was a new credit card.

I asked BOA for a copy of my application with my signature on it. Four times they sent me a computer printout with my information, something my husband would know (as would every identity thief out there). I went to a branch and was told that it was not opened at a branch either online or by phone. The fraud department refuses to open a fraud case. I thought the legal system in the US required due process. It's like saying we think you are guilty so we won't give you a jury trial. So I get regular phone calls saying that now I am two months behind. I tell them that I will not pay this debt because it is not my debt. Today was the first time I lose my cool and I am sending the letter I sent last week. I'll send it every week if I have to. This has to be against some law to turn down the request for a fraud investigation. Every divorcing spouse better watch out if they could be held responsible for what credit their spouse applies for during the divorce process.

BOA claims that $29,200 is owed on this credit card. In spite of a detailed record of the problem I get regular calls letting me know that I am behind. It is very stressful. I have notified the credit bureaus in the hopes that my good credit is not damaged, but I don't intend to pay this debt that isn't mine.

My account was purchased by BOA from Citibank in 2009. My agreement with Citibank was upheld and they charged me no interest for one year and minimum payment of $81.00. After the year expired, they increased my interest rate to triple what it was supposed to be at 9.24% to 25.24% because as the manager told me, they could and I couldn't do anything about it and doubled my minimum payment due. I, unfortunately for the first time ever, have had to pay them late only once and on the fourth day of it being late, they have sent me to collections for the full amount of the account though their policy is 60 days. I cannot get any return call from the correct department or will they answer when I hold for 20 minutes. This is causing extreme hardship financially because it is now reflected on my credit report and my other credit cards are raising my interest rates due to this.

I have a gold account line of credit through BOA. My credit limit was $30,000. On January 10, I needed to borrow $2,500 to help my son buy a car. I could not request the funds transfer online, so I called the bank who told me that, due to the economic downturn, I had to apply for the funds, and the bank would evaluate my account. I was to hear something from them within 10 days. I received a letter telling me my request had been declined due to my credit score, etc.

I called the bank and was told that while my credit score is 787, and my payment history was stellar. Equifax said I have too much revolving credit, so BOA has to protect themselves, thus my request was denied. In addition to this, they lowered my credit limit from $30,000, to $13,000 without any notice. I told the person I spoke with that it was unfair for BOA to lower my credit line, and that while the bank had gotten it's bailout from the government, they owed it to their long time stellar account holders to extend the credit offered, before the economic downturn.

The rep rushed on to tell me that BOA had paid back the money it had received in bailout funds. In a nutshell, the bank is penalizing me because they made bad choices in extending credit to every Tom, Dick and Harry that came in. Now, they are trying to fix things. Shame on Bank of America! I was unable to help my son buy a car, so he could get back to school, and had to resort to other means to get the car. When banks or credit cards lower your credit line, it negatively affects your credit score. Where is the customer service that we all deserve?

I received a credit offer in the mail from BOA with a 0% interest to transfer a balance from another credit card to my BOA card. So I called them to arrange that, and I was told it would be a $700 fee, but it would save me lots of interest. They started asking me a lot of questions about my income. I have had the same job for 17 years! why-what reason I had charged stuff on my other card with them-which the card they were referring to-(I have 2)- had a 0 balance on it for awhile-thus the offer to try to get me to use it!

So I told them I felt uncomfortable with all these questions, then they canceled my card with the zero balance and cut my limit on my other one down to it's current balance, or an $18,000 drop, even though I've had it with them since 1994. I have never been late and paid ahead on it currently. I was very upset. I told them I would close out my current checking-savings-and IRA with them if they were going to insult me like this.

I've had no drop of income, paid off my home and cars and have an excellent credit rating. This seemed like a weird trick of some kind. Why? I do not know. They will also lose my son's lifelong account that we were going to open this year. I am very upset, and I would like to let others know, and wonder what can be done?

I have a Bank of America credit card which had a credit limit of $4500. I was struggling to stay current with them. I was making my minimum or more payment but my interest rate was such that every month I was pushed over my limit resulting in a $39 fee. Bank Of America told me to make a large enough payment that I would be over my limit when interest hit. So I did just that. I made an $800 payment. I made this payment on Feb 1st. On Feb 5th, they lowered my credit line to $4000 which put me right back in the same situation. Did I mention my interest rate is 29%? My guess is, they did this in some legal fashion but it all seems pretty criminal to me. I would have a better shot with a loan shark. Oh, they also originally told me that if I had 6 months no late payments, they would drop my interest rate. Now that the time is here, they are no longer honoring that. Criminals, they are criminals.

My husband and I are attempting to do the right thing with regards to the payment of our credit card debt each month. My husband and I are both fortunate to be working full-time and have good paying jobs. Recently, my elderly mother moved in with us and thus our living expenses increased. My husband is paid on a commission basis and his income fluctuates each month but he has a base pay.

Basically, we have found ourselves getting deeper and deeper in debt due to the high interest rates and fees being charged by the bank's issuing credit cards. We have moved to an all cash basis and vowed not to use our credit cards unless there would be an emergency.

Discovering that our monthly credit card payments are now more of throwing money away versus lowering our debt, I attempted to negotiate with Bank of America to lower our monthly payment and interest rate for at least the next six months. I have always made the minimum payments but would like to have more money to cover our increase in living expenses without further burdening my mother's limited resources. The first representative I talked with was willing to work with us and gave me a reasonable monthly figure and interest rate. Before I committed to this offer, I needed to look at our monthly budget and also consider other offers from creditors. I have now had four lengthy conversations with four different customer service representatives with Bank of America.

Finally, Bank of America has now decided that they aren't going to work with us - period. I asked to speak to a supervisor and was told that they had all gone for the day. Being a supervisor myself, I find it hard to believe that they would have people negotiating financial arrangements without a supervisor present! Anyway, I asked how we were supposed to reduce our debt if they were not willing to renegotiate our interest nor our minimum payment and they replied to file bankruptcy. I find this appalling!

Now I am left with making a tough decision about what to do. Do I pay them a token payment each month, knowing they are going to tack on high fees and continue with 27% interest or what?

I would like to see the bank's issuing credit cards to be required to work out payment agreements, especially if they received TARP money. I would also like for taxpayers be allowed to deduct the interest paid on credit cards on their federal taxes again. I'm not sure what the answers are for those of us seeking solutions to the never-ending tactics of the bank's issuing credit cards.

We will be charged high monthly fees, high interest rates, damage to credit reports, potential legal action and continued economic hardship. Physical damage is due to stress.

Decreased my limit from $25,400 to $20,000 on my line of credit due to "too many inquiries into my credit" (we bought a house in May and shopped for a mortgage) and due to "monthly payments not being made for enough." I always pay more than the minimum. How can I fight this? If paying more than the minimum results in a credit line decrease, how can I ever get this paid off? My credit score will be affected because it will look like I have spent up to the maximum on this credit line.

I bought merchandise using B of A's Visa card for $1050 in March 2007. The merchandise was still in production, and they promised to ship in September 2009. When the merchant didn't ship, I asked for a refund and the merchant refused. I then called B of A, requesting a refund. They kept telling me different stories about their policies, would not provide me a copy of their policies in writing, and denied my claim even though I filed it on a timely basis after the agreed-on shipping date with the merchant. I never did get the merchandise.

I just received a call for my husband from a Bank of America representative on Tuesday, February 9, 2010 at 4.05pm. John ** requested to speak to my husband and I informed him that he wasn't in. I suggested that he contact my husband on his cellphone. He asked me to give a message to my husband to call John ** 866 ext. 9013, reference **.

Then, he asked me if I was Priscilla, and I said yes. He continued to tell me that he was calling from Bank of America regarding an outstanding credit card balance of $30,000. My husband was refusing to pay and was refusing to negotiate. He then proceeded to ask me why "we" were refusing to pay the debt. I immediately informed him that this was not my debt, I did not apply for it, was not aware of it, did not co-sign for it and has never been contacted by Bank of America regarding this credit card and was not responsible for it.

I was very angry as I have my own Bank of America credit cards that I use and payoff. He then had the nerve to ask me why I was angry and my response was I did not like being told I was refusing to pay my husband's credit card bills. No bills were addressed to me and he should be talking to my husband. This is the first time Bank of America has ever discussed my husband's accounts with me. I did not co-sign or apply for his credit card.

I ended the conversation with the Bank of America representative as he started saying that I was raising my voice. I was not rude, just very angry that he had the nerve to discuss my husband's account with me. Isn't it against the law to discuss someone else's financial or medical information with anyone, even a spouse? I think this is a double standard and feel that Bank of America have no right to talk to me.

While my husband's credit rating and of course, the consequences of his inability to payoff his debt will affect me as his spouse, surely, Bank of America has no right to harass me. I am so annoyed and frustrated. I have good credit, I am, of course, not happy that my husband's credit has gone down the drain. How come Bank of America didn't notify me prior to lending my husband the amount they lent him, if they now feel that I am somehow responsible for not paying this debt?

I would like to know what my rights are. Of course, I blame my husband for putting me in this position and, of course, the economy he lost one of his jobs; he was trying to start up his own business. Unfortunately, you can't pay off what you don't have. It's either that or the mortgage. He had very good credit prior to this. There is nothing I can do about it. I have my own bills to pay which I am doing and cannot assist my husband financially as a result. I do not know how this will impact me. I would like to know what I am responsible for and if Bank of America has the right to foist my husband's debt on my head. Thanks. Who should I be calling or writing to at Bank of America? What can I do?

If they did not screw me enough on my mortgage (previous complaint I put in) but now they did on my VISA I have with them. Last year, I signed up for a 0% interest until May 2010. I have been paying faithfully more than what I am supposed to pay. At end of January 2010, I am hit with a $38 "finance charge. " I ask what it is for, and am told that the introductory period ended in January. I told them no, it ends in May 2010. I went home and got my file and sure enough, the 0% introductory offer ends May 2010!

They are trying to screw me out of a few months. They are reneging on their end of the deal. Did they think I would not notice this on my bill? I am tired of calling, emailing them of their own incompetence of not being able to get my new address correct for many months, not being able to get my new name correct for months of trying, not sending me my bills so that I have to create my own pay stubs and then I pay online (for which they penalize me $6 + extra fees to use their online service; no other bank does that to me), then they try to finagle me out of the last few months of the introductory offer that they promised to me and I have the paperwork to prove it! They are dishonest company. I am transferring whatever I have left to my Chase card. If I have to pay any finance charges, I would much rather Chase get my money that this crooked Bank of America. At least, Chase is good to me. Constant stress dealing with these crooks.

This is what I sent via online message to Bank of America: What is going on. This is a cancelled account you acquired from MBNA. Last month my minimum payment was 358! I can't afford that! I talked to rep and he stated it was 34 days in the month so that was why and next month which is now this billing cycle the minimum would go back to the normal of around $330. Now my minimum is $500! This is a closed account! My agreement when I closed the account was $330 a month.

Since BOFA acquired this account you have been messing around with the $330 due to extra days in a month. After an hour on hold trying to get to a live person, I am telling you that on a closed account you cannot change the terms of the account. I can't afford $500 a month. I can afford $330 a month. I have never paid late on this account and I have made the agreed payments even with your variations and deviations with the original terms of the loan. I expect BOFA to keep to the agreement. Otherwise, I will have no alternative but to default on the entire loan. I am on a fixed income. I have tried to work with this company. I am more than willing to pay the $330 a month but I cannot do $500. I just want to know due to the new law if I default on this account can my other card companies retaliate like they used to?

In June, I used a Bank of America credit card check to purchase an item. The seller was fake. Bank of America, who told me that using this check was as safe as using my credit card, later told me that there was nothing I could do. After six months, I was forced to pay over $7,000.00 to Bank of America.

My complaint is the "automatic recurring monthly payment" available by BoA for the credit cards it acquired with the MBNA merger. The auto-pay system for BoA issued cards is different from MBNA cards. It continues to be this way this long after the merger. The reason that's significant is this. The MBNA payment process does not automatically withdraw the payments. It withdraws them once a month on a pre-determined date regardless of due date on the credit card. However, the due date for payments fluctuates between every 14 days to 28 every 28 days (though this should change after Feb. 22nd). For BoA issued cards, their website allows for authorization and payment when the payment is due for every billing period.

The result is, at least a few times each month, there will be a missed payment on the MBNA card. Even though a person has accepted the agreement that MBNA can withdraw the funds, MBNA and BoA choose to not accept payment on the date due. When the merger happened, this situation caused a missed payment (by less than 24 hours, as I checked the payment status on the day after the due date). This was the year of the merger (2003?). My interest went up from 12% to 24%.

I paid off the card and am closing my accounts and moving to a different bank/card. But to have a penalty/risk rate for 3 years when MBNA/BoA had authorization to take the payment is anti-customer. Given BoA's behavior has been to not incorporate MBNA cards into the BoA payment process, I would say that choice is intentional which leads me to believe that I can't be the only person this has happened to. If I could find enough people, I'd be willing to pursue legal action.

Bank of America sent me a .099% promo offer. Since I didn't have a balance with them, and had forgotten I still had an open account, I called to transfer a small balance that lovely Barclays had raised to 23%. This was only for $1,800. The CSR offered to also transfer a Capital One balance, but would need to raise my limit. It sounded good so far. The "credit manager" where he transferred me to, decided I owed too much money, "even though you have a perfect history, and an excellent credit score". He closed my account on the spot.

I was dumbfounded and speechless. I called back after I collected my thoughts, and got the rudest woman. I was concerned that by BOA closing my account, it would affect my credit score. She said it could, but my credit score was in my control, not theirs, in a very snotty tone. When I started to voice my aggravation, she hung up on me. The most frustrating thing I guess, is the lack of concern from BOA. I was treated like a loser who never pays my bills, even with golden credit. I have never walked away from a debt in my life. To be treated like this is wrong. I will not do business with BOA in the future. But guess what, they really don't care if I do or not.

On time payments to my credit card debt and yet they just doubled my interest and decreased my credit without my knowledge. I just happened to look at my online statement and saw the decrease. The reason they said was that I was not paying my mortgage with Chase. The credit card is with BOA. I explained I was on a trial modification and that I was making payments and they said Chase reported me as not paying. I asked my interest be put back and my credit limit put back and they said no to both. I have been a BOA customer since 1996. Where is the regulation?

Chase bank has caused me to become so stressed I barely can do anything else. It is a full time job. I have been working on a loan mod since June with no word just a request for more and more of the same documents faxed over and over again. Chase has just cost me money as my finance charges doubled from BOA. This should be criminal for what they have done not only to me but to millions of people.

I have had a BOA credit card for years, usually carried around a 4000 balance on my card. In about Aug. 2008, BOA was offering 7.9% for balance transfer so I took advantage of the offer, wrote a 500 check, deposited it in my checking and then paid off a higher interest card. What happens now should blow everyone's mind. Since the Aug. payment, I have paid at least 30-40% above the minimum payment so the balance would come down. Just recently, I took the time to look over my bill to see why my balance never really came down. Remember, I pay my bill online and never took time to look at the statement. (How dumb was I).

After checking about 15 months of statements, I noticed that they had a cash advance on my bill and was charging me 25.99%. All my payment went towards the lower interest part and not one penny at any time went towards the cash advance, even though I was making on an average of 40.00 above my minimum payment thinking it would bring down that cash advance balance. So in Aug. 2008, I used a check from BOA in the amount of 500.00. Today I have a balance on credit card of 806.45 for the 500.00 I used to pay off another card. In about 16 months BOA has charged me an interest of over 300.00 and never taking a penny off when I was paying an extra 40.00 a month. I made a phone call to BOA customer service and they said they did this because they can and I had no recourse. It's amazing we, the taxpayer, bailed out BOA but BOA will stick it to the people that kept their head above water. This is criminal! BOA makes it impossible to pay off their credit cards.

I made my monthly payment just as the clock changed over to 2 pm West coast. So the automated payment went to the next day. I call them several days later to see if it was registered as late. It was but was assured that it would not affect my credit report or any standings with the bank as I am trying to get my credit rate lowered after getting into trouble while going through divorce. I was then transferred to a credit counselor who crunched my numbers. I was told nothing can be done at this time. 4 days later, I receive letters informing that they have decided to lower my card limits to within a couple of hundred dollars of what I owe. I have been making my payments on time other than this slip up. I thought the new regulations were going to change this. Is there anything I can do/contact?

I've been a Bank of America credit card holder for 13 years, and until I moved to an area where they don't have branches, I had my checking, saving, and HELOC accounts with the Bank of America company as well for more than 10 years. All accounts were and always had been in good standing. I'd never had a problem making my credit card payments, never went over my balance, and in fact, tended to carry a balance on my card. While I was traveling over the holidays, I inadvertently missed making my Bank of America credit card payment that was due on 12/31, the payment due amount was $15. I discovered this when I tried to charge $20 yesterday and my card was declined.

I called Bank of America. I was told that the policy meant that my account was frozen and would be until payment was received. However, at one point during the discussion, I was told that I could speak to another department about getting my card reinstated today. Instead, the person I was transferred to told me that because I'd missed my payment, my credit limit was going to be lowered. And they did lower it - by 96%. Yes. 96%. Not in half, or by a third, but they nearly wiped out my credit limit altogether.

I cannot make sense of it and I'm in shock. My credit card was my safety net. If anything should ever go terribly wrong in life, I had a backup, it was protection against the unexpected. It terrifies me to think of needing emergency funds for any reason now because there aren't any anymore. Not to mention what this will do to my credit score. I am so distressed. I feel so uneasy and completely let down. Why would a company that I've done business with for more than 10 years do this over one missed $15 payment?

I called to ask for an increase on one of my credit cards and find myself getting reviewed for them all. I had $40,000 in credit available before the phone call. I was never late, over a 780 credit score for years, cards below $15,000 owed. Then, I was told that I have too much credit for my income. I told him, "Was I ever late?" "Was I ever underwater?" No, I have $130,000 in credit cards available with less than $25,000 owed and they didn't want to hear it. The kicker is they lowered my cards to a few hundred dollars over what I owe. So now, you put me from below 30% to over 95% on three cards. That is going to kill my credit score showing that on it.

I just think that it's total discrimination against a person to hurt them when we are all doing the right thing and try so hard to make it in these times. I also feel that these and all CEOs would be nothing without us. But I think that we all are getting tired of doing what's right, and getting hurt for it. Why should we care if they don't?

I received a letter cancelling a BOA credit card I have had for seven years because I have "a pattern of late payment on accounts with other creditors." The funny thing is I just pulled my credit report because I already knew that in the past seven years, I have never, yes, never been late on any payment to anyone ever. I pulled the credit report from Equifax which they looked at and it clearly shows that I have never been late as far back as you keep credit records.

Maybe the letter should have read, "We are cancelling due to lack of use since there is a zero balance" and there has been a zero balance since 1999. Inactive is a good excuse. Although now like many Americans, my debt to credit ratio just went up, thanks to old BOA. When is someone going to cancel them? This has caused my credit rating to go from 754 to 658 because my debt to credit ratio went down. This raises the interest rate on a line of credit I was applying for at my bank. Needless to say, it was not BOA.

Does anyone see that these large banks are going to do this to millions of Americans impacting their credit scores? Then turn around and say, "Because of your credit score, we will have to charge you a higher interest rate?" It is theft, just legal.

Deceptive Business Tactic - Suggests, implies, and tricks customers into having a credit report done in order to lower customer's credit.

Call to Bank of America: Jeff answered phone call and suggested options based on my time being a customer and how good of a customer I have been over the past 6.5 years. Option suggested was to raise my credit limit. Account Manager, Jeff suggests that answering such questions will determine whether I qualify for a credit increase. I only asked him what his opinion will be on the matter based on him being a customer service representative of BOA.

Questions / Answers presented: He said he will now transfer me over to a credit analyst to determine whether I qualify - this is to have a credit report done on my account which I actually didn't ask him to do this, I only asked for his opinion whether I'd be eligible for a $200 increase in credit. He explained he needed to transfer me to a credit analyst that time. I agreed to be transferred but in fact he never gave his opinion and most likely was instructed in this sequence of question and answers to deceive customers to get them to have a credit report.

Credit analyst asks exact same questions and then determines my credit of $5,800 needs to be reduced by $600 making it $5,200. The rest was complaint and me telling them about their deceptive business tactic. Now, I certainly don't have nearly as much of credit reduction as others have posted or talked about, but I too was tricked, deceived and feel like I was duped.

As every month for the last couple of years I follow the same process to pay my Bank of America credit card: I log in to my wife's account (also Bank of America), transfer the money to my account, log in to my account and pay the credit card.

A couple of days after I did it the last time I found a couple of overdrafts fees in my account, and I will explain what they have told me about it just after making clear that once I make the transfer from my wife's account, I log in to mine and the money is there in my available balance, and only then I make the payment. When I asked in a branch office, they called online banking who told me about a 10:45 pm cut off hour, and how my transfer (from my wife's account) was at 10:46 pm! So, although the money was showing on my available balance, it was not really available since I missed the cutoff.

As soon as I got home, I contacted an online specialist through Bank of America chat, who told me that the transaction occurred at 8:46 pm and should have been posted on the day before. I asked my wife to call the next day just to clarify the issue. The person initially told her with complete lack of care that obviously there was a cut off and that it was 8 pm! When he realized she had already information of the issue, his final word after a lot of time was that the transaction was made at 7:46 pm Pacific Time; hence, 10:46 pm Eastern Time.

Next day I decided to try my luck with another online representative who made every effort to avoid telling me the time and just asked me to call online banking. When I pushed for what should be regular information (as the previous online specialist had already given me the time of the transaction) her final word after a very long time was: "Unfortunately, I cannot comment on that". And she told me to call online banking. Clearly there are issues with their online banking service and they do their best to cover their own mistakes. I got two $35 overdraft fees.

I was unaware of a letter sent by Bank of America in April of 2009, stating that if I continued using their credit card, my interest would "increase." I continued to use their card, and found eventually the interest was raised to 19% plus from a lower rate of 15% plus. I never skipped a payment. Why am I being punished for using the card? If the bank no longer wanted consumers to use their credit card, they should have stopped accepting charges, but they did not. The bottom line is, many of us are paying the credit bill for those who are not.

The economy effected each U.S. citizen, not just automobile makers and banks. Where can we, the little people, turn for government debt relief? Other banks have not followed this example, thank God. My account balance is hardly affected by the monthly payment of more than $142. It will take longer to pay off the balance, unless I can find help? I did ask BOA to lower my interest, but was unsuccessful. I cannot afford attorney's fees.

This is not related to any one transaction. My complaint is about Bank of America and their practices. I have had a credit card with Bank of America for many years. In February 2008, the trouble began. I was a few (not more than 5 days late) on my payment. I am in real estate and my paycheck was starting to go down at that time. They increased my interest rate and my payments skyrocketed. I could no longer afford to pay my payments because of the increase in fees and payments.

I have worked hard all of my life to build my credit. I had good credit. I was 52 years old. Because the payments went up, I could no longer afford to pay it. I called them and asked them if they could work with me and they said no, they could not. I have no relatives to borrow from and my husband could not pay them because he had all he could pay. This started ruining my credit because they refused to work with me. I have always used credit cards to get my son and daughter through college. I have always had intentions of paying it back.

I could not believe the treatment I received. They were very rude and inflexible. They were threatening and I was also told lies. They have now put a judgment against me on my credit, and they also plan to execute the judgment. I am appalled at their deceptive practices and I wanted you to know because other good people are probably being hurt by Bank of America. I have lost everything as a result of the downturn in this economy. I will never forget the lack of compassion, rudeness, being inflexible, and the deceptive practices of Bank of America. Banks are getting too big to control. They can do what they want when they want.

My guess is that more people would have paid their credit card bills rather than go into default if Bank of America had worked with them in the first place and the banks would need no bailout money. Bank of America deserves no bailout. They are ruthless! I have a judgment of $5100 and I would like it removed. They are trying to execute it now.

I took advantage of BOA offer on my online BOA page for balance transfer at special low rate and they use my response to their offer to slash my credit line by 75%. Months later they send me the same offer in a letter with my name on it and my then available credit line written on the letter. When I respond to their solicitation they made the offer at least 3 times. They tell me they are canceling my credit card completely and I know they knew my credit score, which was still good, before making the offer as I have credit monitoring.

Now for the second time BOA continues to damage my credit just because I attempt to take their offers! Why! My credit score has been lowered from over 700 to about 650 and will probably now go lower since in closing the credit card they chopped off another $3000 worth of available credit. The bank I was trying to make the transfer from has now raised my interest up from 9% to 19%. From this disingenuous, if not outright fraudulent, offer from BOA my credit has been damaged and I am now suffering from stress-related symptoms, including anxiety and difficulty sleeping. Because of this effect, I believe their malicious act may have grave consequences to my health and well being.

I made a payment on my credit card account today on the due date, but was told it would not be credited today, the day it was listed as due on my statement. I had to call a BoA representative, because the website I had used successfully before was now "closed to me--please call representative". I was directed to call BoA's service dept., which I did, and spoke to "Shadea". She took my payment info, then told me it would not be credited to my card until the next day, since (1.) it was a Sunday, and (2.) the website, which I had used successfully before in the evening (PST), was closed to me now because it was after 5 PM EST.

The website, **, was originally given to me by another BoA representative to make payments after 5 PM after I complained about BoA's predatory practices and threatened to complain to consumer affairs and my congress person. My payments were credited then on the date they were made. Now, they have changed their practices, yet again! All I want is to have my payment credited to my account on the day the payment is made by 5 PM local time, which is what I understand Congress has now legislated banks to do.

Furthermore, BoA credit statements have 2 due dates on them if a payment is missed. The first due date is at the top of the statement. The second is in the middle of the statement and reads, payment is due "within 27 days of the above statement closing date". That date changes month to month, "because there are different numbers of days of each month", as I was told by another phone representative. This is purposefully confusing and smacks of predatory practices by BoA.

I am sick of their exorbitant fees and graft practices. They have secret websites for those who protest too loudly, which they change to confuse people completely, thinking that we will not follow up on our threats to complain to legal resources. I am outraged they took a taxpayer bailout, then turn around and rip us off even more. I want my payments to be credited on the day they are made by 5 PM local time, and I want one due date, not two.

Bank of America assessed me a $1.50 finance charge and a $29.00 late fee on an overdue balance of $27.95 (i.e. 110% charge against the balance). I called to see about waiving or reducing the late fee as it was a preposterous amount given the open balance and the fact that it was only a few days late. Their response was, "We can't do that." I have cancelled my account with Bank of America and encourage others to take their business elsewhere. I also encourage our government to continue to pursue the reduction in fees and charges to be more in line with reasonable business practices.

So I had an account with MBNA since 1998. They were bought by BOA. I noticed my CC had expired and called for a new one. They said that even though they had just given me a home loan for $400k 4 months before (and I have been on time with every payment), they didn't feel comfortable with the limit on my CC! Huh?

I have never made a single late payment to them and have paid that card off in lump sums 3-4 times over the life span. So they reduced my limit by 80%. I am paying off that credit card. (I only have $700.00 measly dollars left on it to pay, and I'll never ever, ever use it again.) Take that, BOA. I hope others do the same.

I've been a loyal customer of Bank of America over 15 years, and they are just letting us down and don't care about us, little guys that keep them in business. They're not hearing our voices. I called BOA up to transfer my balance. They said they cannot at this time, because a report on my credit report lower my credit even though the error was a company fault due to billing errors. They corrected the problem and sent out a letter of correction. BOA did not want to acknowledge that error, even with the company fax or sending them the letter at fault.

The customer service at BOA said they review my account again in six months. What?! And I never been late with BOA, even though my balance is one thousand dollars. And I have paid two homes off with BOA. Is this the way they treat their customers? Yes, I am ** off, because there's no consideration at all. They're fast to take your money but will diss you at a blink of an eye. The only consideration they're getting from me is an account closed!

I had problem paying my mortgage for July and called BOA for help. I was put in touch with a rep. The bottom line is I was asked to make a reduced payment for that month and the difference made over a period time. I have to continue to make the payment, however, they have continued to jack up my payment and tagged on illegal late fees. I have been paying $3080 vs $2670 for the past 8 months. The problem is I can't get anyone talk to me. I have been out of work for more than 3 years so I don't have the money even for the regular $2670.

Everyone should be aware that even if you have played by the rules, there will be no reward for this AT ALL and in fact, it is those of us who have kept making our payments that they will go after. No reward of any kind for doing the right thing. Like thirsty parasites, they will clamp on even tighter. The irony is we own these companies now. We bailed them out with OUR tax dollars so technically, these people work FOR US. It does not matter.

A parasite is not supposed to kill its host but these people will try...

My story is simple but horrifying. As predicted, I started to see weird charges on my credit card with BofA so as difficult as it was, I took the little savings I had and paid off the card completely. The VERY SAME DAY they received my payment, they sent me a bill for a $12.25 FINANCE CHARGE. THE SAME DAY!! When I called them they told me if I did not pay this $12.25 charge, I could be charged interest and extra fees BASED ON THE UNPAID FINANCE CHARGE!! In other words, I would never ever be able to pay off or get out from under this card. EVER. Needless to say, I was beyond livid. Do you know what this kind of business practice is?

EXTORTION and they operate now LIKE A MAFIA. It was only after demanding to talk to various supervisors and threatening to file complaints with everyone I could think of (Comptrollers Office and Dept of Corporations in CA) that they told me they would "waive" the $12.25 fee. I then demanded they send me a letter saying my account was COMPLETELY CLOSED and NO MORE FEES/CHARGES WOULD BE APPLIED TO IT. I just got the letter.

I mailed three payments to Credit Card companies on December 4th, 2009. Two of the checks posted to the accounts, but Bank of America has yet to post my payment. I have contacted the company. They are blaming the mail, but the other two got theirs. I noticed that every payment I make to this company takes longer than 2 weeks. I feel that they are holding the payment to be able to charge a larger finance charge.

As of my 12/15/09 statement closing date on my Bank of America account my credit limit was $23,000. I never requested that large of a limit, they just increased it periodically over the 8 or so years I have had the account. I pay this account balance in full on time every month-I actually have it set up to automatically debit my checking account on the appropriate date. On December 19, 2009 my daughter was using her card on this account to make a $108 purchase at WalMart. The card was declined. My balance at this time was $3297.85 (well below the $23000 limit I had on the 12/15 bill). I drove to WalMart to pay for her purchase and then came home and checked my account activity on-line, thinking that I had been the victim of identity theft. When I saw that my credit limit had been reduced, I called the customer service number.

The Customer Service rep that answered on that Saturday night said he could not answer any questions about credit limits and provided me with the "Credit Services" phone number. I spoke with a woman and explained what had happened, thinking that this was some huge mistake. She told me that my account has "recently been reviewed" and that my debt was too high so they arbitrarily reduced my limit to $3400, which was $102 more that my current balance. My debt amount had not increased since the last time they increased my credit limit; in fact, it's been reduced. I didn't realize that FIA Card Services handled B of A accounts until I read it on this website; however, it makes perfect sense now. In addition to the credit limit reduction on this account that I pay in full every month; they also reduced my credit limit on an account that I have 6.9% interest on which I pay in installments each month; the current balance is $10,377.

That account had a $16000 limit on the 12/15/09 statement; ironically it was reduced to $10,500 today (12/21/09) when I talked to them. On 12/17/09 I received the monthly statement on my FIA Card Services account-I do not have this account by choice, it is tied to my Regions checking account as Overdraft Protection (years ago my savings account was tied to my checking for OD protection but the bank "discontinued" that practice in favor of this FIA Card Services credit account. At any rate, I make payments on this account using Regions on-line banking. I set it up to automatically pay $100 each month (at least 10 days before the due date to ensure the payment has time to arrive). The minimum payment due in December was apparently over $100 (I didn't actually receive that statement; it seems that the FIA Card Services statement doesn't make to my mailbox every month. I may get 2 in a row, then one doesn't show up.

At any rate, I called FIA Card Services and spoke to a very nice gentleman named William who accepted a phone payment of $200 (I was only about $25 short on my original payment but thought that the additional payment would be a show of good faith on my part). William agreed to waive the fee for making a phone payment so I was able to give them $200 for "free". He also credited my account for the late payment fee since I was such a "valued customer" - his words. Then he noticed that my interest rate was quite high - over 20%; and asked if I'd would like him to transfer me to a "Customer Retention" representative; I agreed and spoke to Robin. That is where this entire story really started. I gave her some personal information and she put me on hold to "see what she could do about the rate".

When she returned to the line, Robin told me that she couldn't reduce my interest rate because these charges on my account were Cash Advances to my checking account and the Cash Advance rate couldn't be reduced. I said I understood and thanked her anyway...that's when she told me that she would be reducing my credit limit on that account; The limit has been $10000 for several years. I pay timely but not usually in full every month. The balance of his account when I spoke to her was $5,024 (less the $200 payment I had made minutes earlier over the phone). She reduced the limit to $5300. I asked her why it was being reduced since I had been a good customer, paying on time. She told me that she wanted to "see my bring my balances down".

I don't know exactly what this means, since my revolving credit balances have decreased over the past few years, not increased. We had a heated discussion about the definition of "Customer Retention" - I did not use any foul language, I only stated that these practices were not fair and they cared nothing about customer; I also told her that FIA could take a flying leap then hung up-not my finest moment but I take this personally. On these 3 accounts, I had a total of $49000 credit limit on 12/15 and owed about $18000 ($3400 of this would be paid on the next due date so the real outstanding balance would be about $15000). I have over $100,000 open equity in my house alone...I'm not exactly a credit risk. Now, thanks to FIA Card Services my debt to credit ratio was about 36% on 12/15; by 12/17 after my conversation with Robin, my ratio debt/credit limit ratio was about 100%.

I have 2 Bank of America credit accounts, one is a card and the other uses credit checks. My credit card account has a credit limit of $24,000 to which I owe $12,000 and I have paid the account off in the past with $12,000 cash payment and have never been late on the account and always pay extra. The credit check account has a limit of $14,000 and I have a ballance of $4,000. The intrest rate on the credit check account is 4.75.

I called last week to request some checks because the ones I had requested but never used in June of 2009 had expired. They again explained as they did in June that they would review my account and send me the checks.

Today I got two letters in the mail, one on my credit card account and they other on my credit check account. On the credit check account they denied my request for more checks and said that they had closed my account stating that they felt that I had enough debt due to the current econmy. In the letter on my credit card account they said that they were reducing my credit limit from $24,000 to $13,000 which is just above what I owe.

In one day BOA has damaged my credit score by closing one account and making the other account show that I now owe more than 90% of my limit when it was just 50%. Both of these actions will hurt my credit score which was 748 before today. I have been with BOA for over 5 years and never been late and have been on the job for over 30 years.

I called BOA and was told by the not so kind lady that paying on time and being on the job for 30 years means nothing and that it could change in the future which could affect my ability to pay. What a joke, good paying coustomers mean nothing to these blood suckers who can double your intrest rate just because they want to and close your accounts that have low APR just because they want to.

I have two Bank of America credit cards. One card I have had since 2002, and the other card is through my business. I have been a member in good standing. Have paid my bills on time, paid of all my balances.Despite a good rationship with the bank (for over 15 years), they closed my credit cards due to an entry on my credit report.

My complaint is: I have over 71000 world points with one of BOA card, but they are not redeeming the points. I called and posted a request to redeem my points. They promised to return call in 48 hours. It has been well over 100 hrs, and I have still not heard back from them.I called again, and they put in another request, and promised to return my call by 24th December. I called the busines credit card, and they have refused to redeem my points as my account is closed. I have 5000 points with them.

I have been using BOA cards only because of the world points. They benefitted from my card usage, and now if they do not redeem my points, I would consider it STEALING, because this is money that they owe ME! I hope some action can be taken to get me points redeemed. About $750 is owed to me.

I opted out when offered that chose. They lowered my line of credit from 22,000 to 3,500. I only owe a total of 3,323.

We have been good faithful credit card customers for 6 yrs, Due to the economy we had nearly maxed out our available credit limit, and we were meeting the monthly pmt obligation, and we were not be hind. We had roughly $3,000.00 available credit, and my wife needed to write a BOA check against the CC acct for $2,000.00. After getting authorization, and depositing the check, BOA stops pmt, because they decided to lower the available credit limt. We had already written cks against teh $2,000.00 deposit, which now bounced, cauisg us great, undo hardship.

To add insult to injury BOA charged us a bounced check fee, and increased our next pmt by $197.00, for interest and late fee's. I have had no luck with getting any sort of reconciliation from BOA, I even asked if they would consider making a new monthly arrangement with me so that I could remain current until I can pay off the debt. My request fell on deaf ears. My only recourse now is to continue to make my mo"ly pmt, but in an amount that I can live with. It makes one feel like BOA's intent is to financially break it's customers!

I received my usual letter from BofA stating they are reducing my credit limit once again..finally i received one credit card with a 1000.00 limit and another with a 2000.00 limit I called to cancel both of these ..I then receive a ;letter stating they are canceling the one which i already canceled with them. When I called, I was told by Ryan that Chris had accepted my cancellation for the first card and never marked anything about the second card, but since I had called to cancel a card, he opened my credit report and decided that i could not have the card with the 2K limit..even though i supposively canceled it prior so it lowers my credit score much more than if i canceled it..

Is this legal? Capital One takes your payment anytime. HSBC will allow you to make a rush payment. What is up with Bank of America and how can they be stopped? Changing my interest rate - which could be considered usury... and charging me a late fee when it's NOT late.

My husband and I both have credit cards seperately with this company. We paid them off then use the promotional APR balance transfers offered. They did not give either one of us the apr we signed up for. My husbands was suppose to be )% thru 5/10...a very short period...but is at 15.99. The discover credit card he had it on was a lower interest rate than that. After numerous emails, they finally said they would call him so he would not have to hold on the phone infinity at work. 2wks and no call.

I have a card and I was suppose to get the 1.9 through 7/10. I too did not get the promotional rate. I was given the 15.99% rate. Very frustrating. I signed up for @ 6 month promotion. why not honor it. between the 2 of us we have $9K+ on credit card with them. not like they wouldn't make something in 6 months. FYI we still have 750+ credit ratings. they should treat us like they want to keep us.

Basically we are paying more then before. The credit cards we transferred had lower interest rates, we were just going to try and knock them down faster and the numbers with fees and all worked out in our favor. But now we have the fees plus the extra high interest rate. So our credit card debt went up and so did our minimum payment. It set us back some and is irritating.

WAMU closed a credit card account and upped the interest rate to 29.99% solely based on BofA action, and halved the limit on another account and upped the interest - again to 29.99%. ALL based on the BofA action.

I have had a BOA Visa card for over 14 years and always had good credit. With-in the past year my account payment posted 1 day late twice. As a result,they raised my interest rate from 8% to 29.9%. I called to inquire why the rate jumped so high so fast and was told that my payment posted late twice. I contested that. When they looked it up, they told me the account posted late by only a day and there was nothing they could do to help me for 6 months. I was told that if I made 6 consecutive on time payments, the interest rate would be reduced. I paid on time for 8 months.

Today 12/15/2009 I called and reminded them of their last proposal and I have met and exceeded it by 2 months. The analyst told me due to heavy credit card debt BOA would not be able to reduce the interest rate until my credit card debt has been reduced. I reminded her of the previous agreement. Her comment was there's nothing BOA can do at this time. How can I lower my obligation at 30% interest.

They also lowered my limit today as a result of the phone call. The anaylist kept pushing me to speak to a debt management officer and said several times, "If you can't afford the payment they would close the account and give me five years to pay it off."

I told her this was not a matter of affording, rather a complaint of gouging and expecting them to honor what I was told. I asked how did BOA expect an account balance to be reduced at 30% interest. She again pushed the debt management people. I lived up to my end and they reneged. I am paying an exorbitant interest rate.

I have had an old MBNA account for 16 years and recently BOA took them over. I have always enjoyed excellent credit and had a 39,000 credit limit with BOA for years. Last year they cut my credit limit in half, no problem I never needed or used that much credit anyway. IN 16 years I have never paid a late fee and had a small balance of under $500.00. This was being taken out automatically monthly from a different bank.My Min payment was 15.00 but I always paid 100.00 or more. Last month they started to double up on my monthly payments and again this month they tried 3 times to deduct the 100.00 from my checking account.

I got an overdraft notice from my bank and I called them to inquire as I have never been overdrawn, they informed me of the many attempts of BOA to withdraw money from my account. My bank gladly refunded my overdraft charges and now I am not overdrawn. I called BOA and what a bunch of liars they were. When I told them the mess they had created they said I had requested the additional payments to be made, lies and more lies,anyway they finally said that because I had now a history of an over draft at my bank they would have to close my account. Close my account after 16 years of perfect credit and only because of an overdraft that they caused, I believe it was a set up to purge the bank of non high profit accounts. Sorry business practice but good riddance. Never do business with them again.

They are effectively putting my business out of business, and along with 10 others I employ, by cuting my access to (EXPENSIVE, 24.9%), capital. I run a children's health and fitness center to fight childhood obesity and unfit youth. No warning, no indication, and now we have financial commitments without access to credit.

I opened an account with Bank of America, 6 months later my card number was taken from an online merchant I used and my bank account was wiped out. my balance was - 640.00 all fom fees on 'purchases' made from this online merchant. BOA opened an investigation and 3 - 4 weeks later had my account back up and running and on track.

Very shortly after I received a letter that they were reversing their decision and my new balance was now - 1380.00 and they wanted payment immediately! After spending an hour on the phone and then going down there no one could tell me why. During their investigation I was in the office of the bank mananger going over my account when several charges were attempted on my account by this merchant.

The bank manager made a call stopping any and all charges from going through and apologized for the inconvenience. Now they are charging me way over a thousand dollars for charges I never made, and becuase I couldnt (and wouldnt) pay it they have reported me to the credit bureau ruining my credit.

Does anyone know if there is anything I can do? Please help! My credit is ruined and I cant get a bank account now plus I have an outstanding bill out there for over 1000.00 that is NOT MY FAULT. BOA is the worst bank in America and they cannot be trusted!

I have had a Bank of America account in good standing for three years. By good standing I mean cash in the bank and maybe one overdraft fee in my history. I know for a fact that I have hundreds in my checking and thousands in my savings weekly. They said I overdrafted when they were actually pending my fees that are debit purchases for days and even a week at a time. Sometimes I even catch them changing the date on a pend. I should have printed them daily when I saw them doing it for proof.

Fact is: I spend a lot of money. But I make a lot and I am not a fool. I see what they did and they charged me 4 overdraft fees in one day. They they recalculated the dates on the purchases on my account after I'd called in and they said they were going to remove them.

When I called the next day about why they weren't removed a guy told me they were not fradulent purchases. I told him they were debit good as cash. Should not be pended. Should have been paid. And that I was lied to the day before and I will be closing my accounts this week as soon as my direct deposit posts.

Bye Bye BOA. Lost a good customer just because. And don't worry about that home loan you bought. I will refi for a lower interest rate within a year of purchasing and I will be very clear that I am looking for someone other than BOA and don't want them anywhere near my accounts. Thanks for making a bad taste in the mouth of loyal customers.

I used one of them to pay off my credit card balance and on 11/16/09 I got a statement charging me 24.24% interest. I called and spoke with Jackie. I was told by Jackie that some of the checks sent out were missing the correct promotional code and it was in the process of being corrected.

I received my next statement 12/11/09 with continued interest rate of 24.24%. I called ad spoke with Alisia and she told me that the check I used did not have the correct promotional code on it for the promotional rate and I was stuck with the 24% interest rate. I told her I had spoken with Jackie the previous month and she told me it was going to be corrected. Alisia said it was too late. I asked to speak with a manager and she claimed she was a manager that is the title they give to all their lowly customer service level employees.

Of course I was never sent balance transfer checks with the correct code on it!!

I have had my mortgage with BOA and decided to accept their credit card balance transfer offer for 7000 that I needed in March 2009. I was charged 210 transfer fee plus 8.76 for interested between 3/12 to 3/26. I had my mortgage in automatic payment and intended to do the same for the credit card. Initial payment arrangement of 76 dollars was quite confusing for me and it resulted three fees (Finance Charge 31.24, Late Fee 39 and Returned Check Fee 39) a total fees of 109.24 for a returned check that I did have fund at citibank and they had some problem with withdrawing. I didn't have time to dispute anything for I was quite busy at my work. I just paid 300 a bit higher than my minimum balance. On 5/26, They charged 32.18 finance charge on a 7,241.39 out of which my 300 dollars was recorded a receipt on 5/1.

Next they increased their minimum payment for the following month and I paid that 101.00. I was surprised to see an increase of finance charge to more than double next month (65.44) and another increase of minimum payment of 134, which I paid. I sensed that I should get out of this ASAP. I paid another 137 dollars including the increased rate of finance charge of 62.39 and put the payment on automatic payment in the next month. I managed on September 1st to pay my balance in FULL.

On 9/21 they automatically charged my account for 300 dollars while I did not owe them anything and resulted in my account showing (-$300.67). I called them and requested my money to be refunded on 9/25. Which they paid 300.47 and left a negative 20cents there. On 9/26, they had charged my account a finance charge of 12.77. I had put that account in my list of accounts that are paid and even was so overpaid that I had to request refund. Hence, I was not even remotely considering their charges to continue. Until I noticed on my credit report the next month. I went noticed the 12.77 and additional 1.50 for the next month and paid that immediately. I thought I had got rid of this hassle. But no, when I checked my account there was again addition 1.50 cents. I called that to be waived and my request was denied. I requested the report on my credit to be corrected. My request was denied. I said get my money and they said by now it is 1.51 an additional one cents. I said why don't take just 2 dollars, close my account and let me have your complain department number. She said I could just write to them. So here it is. I am writing not only to them but to others so that we are aware who we are dealing with.

I had a credit card with Bank of America. The credit limit was only $500. I paid on time. The card was paid and then lost when I received my new card the put the previous balance on the new card that was already paid. The card has since went over the limit occuring all kinds of charges. They say I owe like $800 on an account that should have had only a $200 balance.

I found charges on my credit card for Credit Protection Plus on monthly statements from July 2008 through January 2009. I contacted Bank of America to question these charges because I never authorized credit protection on my account. I was told by the representative over the phone that their records show that I authorized this service over the phone. I was also told that because I did not notice the charges previously, they could not credit any of them to my account. I requested further research. I then received a letter stating the same thing "our records indicate that you applied for Credit Protection Plus Plan program by phone on June 30, 2008". I never take sales calls nor do I accept additional offers from credit companies over the phone, so I can guarantee that I would never have authorized this service over the phone. I feel that is nothing i can do because I obviously cannot prove a phone conversation. However, how can I know that they have proof of my authorization aside from their account comments? Do I have any options to pursue this?

I am a small business owner. My business account, as well as two personal accounts, are with Bank of America. I recently received by mail the second of two offers from B of A to apply for a new business credit card, which would have a 0% interest rate for 12 billing cycles and revert to an 11% interest rate thereafter. I currently (before today) have two business accounts with B of A--a line of credit for $10,000, which I have never used, and a credit card, on which $7000 is owed (at a special low interest rate), with a $20,000+ credit limit. My husband and I also have/had a personal B of A credit card with a $28,000 limit, which I pay off in full every month.

Today, I applied on-line for the new business card, with the intention of transferring $18,000 owed on another business credit card with a 16% interest rate. My hope was to be able to pay off this amount in a year with B of A's 0% rate offer. The result of my call: B of A rejected my application request AND cancelled all of my other B of A credit cards/lines of credit, etc., except for the card with the $7000 balance; the limit on that card was reduced to $8000.

Let me be clear--I am 60 years old, and I have NEVER missed or been late on a payment for anything, NOT EVER, in my life. (My credit score is 750+.) My mortgage is also with B of A. I always pay it before the due date. I feel I've been punched hard in the stomach. What on earth is going on here? This lack of credit will be catastrophic for my business. I have been in business for 11 years. What on earth will I do now?

We celebrated our 40th wedding anniversary with a long planned trip and had our bank pay our bills which included The Bank of America. The bill was paid on time but the BOA had raised the current payment $59.00, as a result we were late. Upon our return we Immediate paid the $59.00 using their web site. The following month we paid the "current amount due". Shortly thereafter, BOA sent a letter telling us that we were again $10.00 over due and charged us $39.00. Again I went to their web site and immediately paid the $10.00. This month's bill came and, surprise! we were again charged a late payment because we were $10.00 late.

I called BOA and was told that I had been paying the wrong amount. I told him that I had been paying the amount in the "current amount due" box. The person on the phone said look below where it says total minimun amount due. I did, but could not make out the amount in this box as it is shaded gray with small white numbers and I told him so. He indicated that many people had called in with the same complaint and went on too say that on his screen that same box was yellow with large white numbers. I needed a magifying glass to see the nimbers in this box clearly. The same gray shaded box is in the payment coupon and again I could not make it out. I had been paying the amount that clearly stated "current payment due" which always ended up being $10.00 short.

tried to get my minimum payment down on my AAA Credit card. Have been paying it off since 2003 and Would like my finance charge lowered or payment lower. They said my debt was more than I owed (even though I have always paid my card and never used it anymore) And they were the only bank that would not work with me. I do not think I can pay them any longer since I work part time now instead of full time.

I have been a customer with Bank of America since 2001. I always pay my credit card bills in full when I charge on them, and have never missed a payment. Since I don't charge on them every month I don't always have a monthly payment to. This past October I charged 1.29 for a song download. I did not get a statement for it until November showing 1.29 past due and 39.00 late fee. WHAT! I was dumb founded. I never received a statement.

I called and was advised they would credit my account for the 39.00, and was advised of my total which included the 1.29 past due, and it was due on 12/16. A few days later I try to pay a bill over the phone using my Bank of America Visa and was advised my credit card was declined. I was puzzled and embarrassed.

I ended up using my bank debit card (not with Bank of America) to make my payment and decided to call them to see why my card was declined. I was advised it's because of the 1.29 past due on my account. I was very upset at that point and was told that they could authorize a charge this time but would need to pay my 1.29 to get my card restored. I was so upset I hung up.

A few days later I was making out checks to pay my bills and looked over my credit card statement before I paid it and noticed a finance charged of 1.50, which is more than the past due amount on the account. Again I was shocked. I looked at my APR and it is now 22.81%. Even with the change in APR I still can not grasp that I only owed 1.29 but you charged me 1.50 in finance charges... I called the 1-800 number on my statement and was told that it was the minimum they can charge you on a finance charge. I asked him how can my finance charges be more than what is due. He stated it did not make since to him either but he did not make the rules. I don't know anyone that it would make since to.

Needless to say I paid my total balance and my new 1.50 finance charge and will NEVER use, or recommend Bank of America to anyone. This is how people get into credit card debt. Miss one payment and you are in for allot of extra fees and finance charges on your account.

I had a AAA Card with a balance owing of 15k. I 0% interest on the card until Jan of 09. They said you could make the payment in a B of A branch at anytime. I went to a B of A and made a cash payment on the due date. The payment was deemed late because the transaction took place at 3:20. I contacted B of A because I was being charged for being late. They said it was because my payment was received late. I explained that it was my understanding that I could pay at a B of A location at anytime so I did not understand how paying on the due date in cash made it late and more importantly how was it so much more. The young lady that I spoke with waived the so called late incident removed the late charge.

The next time the payment was due I forgot to go to the bank on Saturday since Sunday was the due date. I was getting ready for church when I remembered. I was trying to transfer the funds from our B of A account when I learned that our account was not set up to transfer to the card. I did the online chat with one of the representatives to set it up and it was supposedly completed when the chat ended. Needless to say, when we discontinued the chat the transfer did not work. I needed to leave for Church and decided I would just pay it over the phone when I got home.

When I made the call to make the payment later that evening accepting that I would have to pay a late charge since it was after 3pm, I was rudely told there system was down and that if I was not calling about specific problem they could not help me. I made he payment the following day. The next statement that came reflected a payment due of $567. When I contacted B of A I asked how my payment went from $160 to $567. I was told I lost the 0% interest due to the payment being late. As a result of the high payment I made the payment in two increments but NEVER was it 30 days late.

I then received a call from a representative asking why I was paying the bill in two parts. I explained to her what took place and that I did not have any one payment, not even my vehicle payment which cost more that what I owed on the credit card, $567 and I would pay it in two payments but it would not be 30 days late. The representative offered me a program where I could pay $280 per month starting the next month since I had already paid the first half.

I asked before we set it up, how this would affect my credit. The representative explained, it would show on my credit report that the account was closed by the consumer. I asked if there would be any negative response from that and the rep said no. No late fees, charges or negative reports. It would be starting fresh, $280. I went forward with the set up.

A month later, I had a 30 day late from B of A. The representative that I spoke with called me herself and apologized for the error and stated she would work on getting it removed because that should not have happened. I said ok, and waited to see if it was done. It was not done so I called B of A, got the name and number of her manager.

I left him several messages and then I finally got him. Her manager then said it would always reflect a 30 day late since we began the program and only paid the 1/2 when it began. I told him that I would have paid it and started fresh the following month but I was told it be ok to begin this way. He said the second 1/2 is what is 30 days late since it started after a certain date. I explained to him and have bank records reflecting the set up and payment was prior to the date that is reflected in their system.

As a result, I have a negative 30 day late payment reflected on my credit report for which I was NEVER 30 days late. I have the names of the people I spoke with and the dates at home. I am on vacation and am unable to provide it at this time but I would like for the bank to be accountable for their error and make the correction to our credit report.

I received a credit card from BOA. I added my husband as an authorized user, not a co-applicant. I lost my job and fell behind on my monthly payments. Recently, I found out that BOA is reporting negative credit on my husband's credit report. He is not responsible for the credit card. He is not a co-signer or co-applicant, so what gives them the right to falsely report negative credit that does not belong to my husband. My husband's credit is being damaged because of false credit reporting by BOA. We are currently trying to modify our mortgage. This false credit reporting will impact the mortgage company's decision.

I have been with BofA for a few years. I am a medical resident, and rather busy. For years I have occassionally been one day late on my credit card payment. The bank would charge me 40 bucks, and I would pay it saying that it was stupid of me. This happened twice in the last six month, each time I paid one day late (both times I paid on the due date, but missed the prcessing time). Then BoA increased my interest from 8% to 25%, and said they could do nothing aobut it. I had to refinance my home to pay off the credit card, which had a substantial balance.

Next, they cancelled my overdraft protection, and then charged me a bunch of overdraft fees. Now that I am a practicing physician, and my income in substantially higher than when I was a resident, I am happy to deprive BofA of my business when they would benefit from it most. I will never use them again. Crooks, all of them.

I was a Visa cardholder of 10 years, i have never been late on a payment. As a matter of fact i pay off statement balance automatically, through online auto pay feature. I recently applied with my mortgage holder Wells Fargo for a modification of my loan. With not so much as a phone call or attempted phone call, Bank Of America decided after their review of my credit report that although my score remains close to 800 the modification is a "Derogatory comment" that required dropping my credit limit from $10,000 to $1,300.

I simply called in to their credit department as i was not aware a letter was in the mail to notify me of the recent change. The representative explained the reason why, i was humbled not realizing that could happen i said thank you and goodnight.

The next day for some unexplainable reason my card did not work at all. I called that same evening and was told that they again reviewed account after my last call only 15 hours prior and decided to shut it down all together. Who and how can i complain? Do i have any grounds for formal complaint with government?

I signed up for a program they have called opt out. I was told that the point of the program was that if the funds were not available my debt card would be declined (to avoid fees). I have never used my card without calling and checking my balance. However, today when I checked my account for my direct deposit I saw 3 overdraft fees of $35 each.

I called Bank of America to discuss this and was told it was not a bank error and that they would not refund any of the money. I am very upset! I signed up for program and "never" spent without calling the number on the back of my card and checking my account balance. I also mentioned to David, the customer service manager, that the posts were out of order and he confirmed that they were and that it is in the disclosure that they can post them biggest to smallest.

At a time when people have it hard any way; I want to know who is looking out for us, the people. I didn't just go out and spend whatever I wanted and now I'm crying about it. I did what I thought was the right thing and now right at the holiday and first of the month I don't know what I'm going to do. My rent is $475.00 and after the fees I only have $444.21 left from my direct deposit. This is a very huge problem for me. I can not afford the $105.00 fees let a lone more fees for me rent being late! It is truly unfornute that we live in world were we almost have to have a bank, but no protection from them.

i have had a b of a credit card for ten plus years and for the first 8 years i always paid off the balance monthly. they started me with a balance of 5k and interest of 9.9 and after having the card about 5 years they raised the balance to 6k and lowered my rate to 7.9 wich was great. well back in may when they knew that the government was signing into legislation limits on what they could do they sent me a letter saying they were raising my rates to 14.9 so i called them and they said as long i did not charge anything else on it they would keep my rate at 7.9 and of course i got a letter in the mail a couple days later stating i could transfer the balance to a 0% introductory offer for 6 months and then pay 9.9 plus whatever the prime is at the time so i could be looking at 20% plus rates.

i feel lucky because its the only debt i have and only owe 1.5k on it from dental surgery i had to have put on it about the time they raised my rate. so i plan on paying it off. this country is run by a bunch of greedy politicians, bankers,lawyers, speculators, and downright thieves. the only reason you have this sight is so you lawyers can eventually come up with some class action lawsuit so you can make your 33% to help you with your greed. have a great day

Recently, my wife and I received correspondence from BoA with whom we have two lines of credit. One is a Goldline Loan with a $53,000 limit and a Visa Card with a $10,000 limit. The Goldline loan has a fixed rate of 10.99%. The Visa has a variable rate which was to go into effect March of 2010. As of this time (11/09) it is still at 0%.

The correspondence indicates that the $53,000 Gold line account has been closed. The balance is about 50K at this point. The Visa card limit was reduced to the balance of about $4,600. We have always paid more than the minimum and always paid on time. Absolutely nothing detrimental has changed in our financial situation of the last 12 to 15 months. In fact our overall obligations have decreased by multiple thousands of dollars.

As of this writing, we have a credit rating that substantially exceeds 700. I called BoA and spoke to a person named John. He told me he has worked there for 10 years. When asked why they closed the accounts, he indicated that since they are being hounded (my word not his) by federal regulators concerning their outstanding credit loans, they have to tighten everything. I explained that we are a very slim risk according to the credit bureaus and have not defaulted on anything. He indicated that if it were up to him, he would have no problem with our maintaining our current position. But, he said, if he tried to reinstate our credit lines, a supervisor would be at his desk within 15 minutes to reverse his decision.

My wife and I are in our early 60's and have not missed payments or anything on any of our obligations. We have a clean record credit wise. We will be collecting Social Security within the year and this will increase our total household income, which is already substantial, by almost $40,000 per year.

This action by BoA will have a direct negative impact on our stellar credit rating through no fault of our own. Plus it reduces our credit options over the next year while anticipating our increase in overall income. Obviously, if we could, I would pay off this debt immediately. However, we will now have to live with a financial relationship with BoA for a very long time. BoA fervently pursued our business and assured us that this was not a scam/bait and switch when I originally spoke to the banker who solicited our credit lines which we had with other banks at the time. We did what we thought was in our best financial interest and it came back to bite us and ultimately hurt us - a poor decision as it turns out.

Unfortunately, from your website, it looks like many other folks have been treated in much the same way and individually, there is little that can be done. However, I wish there was something that could be done collectively to stop this arbitrary gamesmanship by an entity directly benefitting from taxpayer billions while demanding more blood from the victims.

In the Bible there is a story of a servant who was forgiven his enormous debts (or bailed out by taxpayers in our case) by a King. Once released from his insurmountable debt, he went about demanding payment from his lesser creditors (current good customers in our case) under threat of imprisonment. When the King (tax payers?) found out what he was doing, he had the original servant thrown into prison - - - Just a thought from a "lesser" debtor.

the B of A website won't allow you to access your current balance to pay off the balance. When I click on pay now, it signs you off the site. This is an intentionally misleading site so that you will settle for making a minimum payment instead so they can drag you along for the ride.

I called them for a refund and was told they wouldn't do it yet despite the fact that the money has already been posted to my checking account.

The problem started when I was told that since I had not made the payment from a BOA account that it would take 5-7 business days to get my money back. Excuse me? I have NEGATIVE dollars left to my name, getting charged for it on YOUR error but I may have to wait up to a week to get my money back? That is absolutely unacceptable. The agent first offered to get me a letter for my bank stating the error so I could at least try and get my fees reversed. I was put on hold for several minutes but when she came back I was told there wasn't actually a letter she could send me but would fax me a copy of my statement with the double charge as proof.

As soon as I got the fax, I called my credit union and they were able to reverse the first $29 fee for me immediately, as they could see the double withdrawal on their end. They also encouraged me to call BOA back and ask to speak with a supervisor, as I was clearly upset and the error was not on my end.

So I did just that. On my second call, I asked the agent to speak with a supervisor. He kept insisting that it wouldn't do me any good to speak with a manager. I never once even raised my voice but kept insisting I wanted to speak with one. It took almost 10 minutes just to get him to agree to get a form for a manager call back. I was then put on hold for 13 minutes and 21 seconds while the form was filled outeven though it felt more like "let's leave her on hold and see if she hangs up."

The first time the form was read back to me, it stated the error was on my part, stating I had autopay set up when I did not, and had never said that. I asked for it to be corrected. At this point I just start getting sighs and even more resistance from the agent, telling me it could take 2 or 3 days for a manager to even call me back. I just kept insisting on at least putting the form in.

To date, I still have not received a call back. Overdrawn bank account, accruing fees

I did not notice this message and did not notice that they had increased the APR until several months later at which point I tried to call the number and was told that I was too late, that they would not change the APR back to 7.9%. The customer service people that I spoke with were rude and unhelpful.

In May 2009 I called BofA to tell them I had lost my primary client and would not be able to continue making payments beyond June 2009 unless something changed. In July 2009, I was approved for a hardship payment plan with BofA; reducing my interest down from 18%+ to 4.75% by making 60 payments of $280. In August 2009, I made my first payment on this plan.

Recently I purchased travel tickets with my bank of America credit card through Orbitz online. This transaction was conducted on Nov 2nd 2009. It cost me $6,071.37 for three tickets to Nigeria via Rome. I later checked my BOA account online only to find out that my bank had charged me foreign transaction fee of $60.50 3times. I made one transaction through Orbitz which is a company located here in the USA and bank of America translated this into three separate transactions and charged me for fees for 3 tickets?

I called BOA to find out why I was being charged these fees since I purchased my ticket through orbitz, they said it's because it came through Alitalia which happens to have headquarters in New York. What's wrong with this picture? I tried to explain but the "so called account manager" which I doubt very much because she wouldn't let me speak to anyone higher- told me I could dispute these fees all I want and @ that point, I hung up as I realized there was nothing coming from her. I called Orbitz and Alitalia and they assured me that these transaction was done here in the USA. Just because I am traveling with a foreign airline does not mean I made a foreign transaction. Bottom line, when I purchased those tickets, and my credit card was charged, it was done once and here in the US. There's no way I would have gone ahead if I even had any inkling that boa will capitalize on this.

I could use some help. I'm an accounting manager. Most, including myself, would say I'm fairly good at handling accounts and finances.

I have 2 credit cards administered by entities owned by Bank of America. One was formerly known as MBNA, and the other is FIA card services. FIA is the administering agency for Fidelity, where I have some investments.

On 12/11/08 I owed neither company any money and had kept the account paid in full for some time. On 12/12 I had discussions with the Quantum representative concerning cash advance offers I'd received at 0% until the cycle ending in October. I spoke with the agent to determine that my rates after the promotional period would remain fixed at 7.9 and 9.99% which was no change from the fixed rates I had at the time. Upon this agreement I advanced $43,000 to myself to my newer BoA bank account and paid a fee of 3% of the amount. I planned to trade the money in the stock market while searching for a new home to purchase.

In January the website offered a way to pay my account directly with a same way of payment. Apparently, selecting the top listing entitled Bill Pay Choice with the subheading "Pay your MBNA credit card bill". Upon entering I could pay from my two credit cards or an account labeled "Chris's Main Checking".

While I had never shared this with Bank of America, this was an account I would have paid MBNA many years ago. The account was closed in July of 2001. Why MBNA shared this information, or, based on their records retention policy, even still have this is beyond me. After many months I was able to get this straightened out and they would not penalize my account. While there was still a roll-forward error of .02 and $11.19 of interest that had been credited was debited back to the account, I decided I didn't need the stress of continuing to call them further.

Sometime in the spring I received a letter saying my account would move to a variable rate after the promotional period. I again called the credit card. The first contact said I could opt out. Subsequent calls said I could not do that. I asked them to review the discussions I had with them on 12-12 but they said they don't have tapes and would not share them if they did. I was not allowed to speak to a supervisor.

While unhappy with the circumstances my present payment progress was going well and I decided my only option was to continue paying my bills, which leads to the main issue.

I pay my credit cards with every other check. I pay well in excess of the minimum payment and have a history of doing this since I opened the card in 01/97. This fall I've made the following payments with their corresponding due dates:

$400 on 11/2 Due 12/01.

The problem is that both my September payment and my October payment were credited to my September statement. On 11/2 a letter was written informing me I had not paid November and my corresponding interest rate would be moving to 26.99%. Additionally I was assessed a fee of $39 (which I have gotten waived).

There's two points here. If I take my closing date for the cycle (which is alwasy only listed on the subsequent statement) and subtract the number of days in the cycle, I can arrive at the next closing date. This works in all instances for the past year and a half, save one. October's statement. When I calculate October's statement in the same method using the statement's closing days and cycle days, my payment was fine. Additionally, I was charged interest for the cycle days listed on the statement.

However, to simplify the situation, the cycle days on my statement was 30. At no time during this period did I ever have payments that had more than 28 days separating them. So how is it possible to have a 30 day period with no applicable payments?

Furthermore, in October or September, Bank of America must have changed the way it uses its cycle date as my payments paid after the due date no longer apply to the next due date. For example, my 11/2 payment was listed on the October statement, yet it was late and not counted for it in terms of compliance, but is also not counted for November, in which I will need to come up with another (now greatly increased) minimum payment.

While I was angry, it wasn't until I opened my FIA statement and saw that they had done the same thing to that account that I realized they'd fundamentally changed the card relationship. Considering the cardholder is not even told what the future number of days in their statement cycle will be, I don't understand how it is possible to know when to make a payment. Additionally, if 5 out of 30 days of each statement (16.6%) will neither allow for a proper past period payment nor a future payment it would seem that at least for the first month until the cardholder knows how the new system works would be completely fraudulent. A class action targeting 1 month of income of BofA's non-interest income from it's Global Card Services would amount to $363.75 Million.

I have been a credit card customer since 1996. I payoff my balances in full each month online. Recently I had my payoff balance scheduled, then I changed bank accouts. Upon the changes the scheduled fee defaulted to the minimum payment. I did not realize this unitl the next day. Upon seeing this I paid off the remaining balance the following day. I emailed customer service and received generic responses. Moral of the story...you are better off banking with community banks. They have the ability to think with common sense.

I have two credit cards with Bank of America, one with a balance of 7,000 from a balance transfer done last year, and one with a very small balance (under $100). On both cards, I have alsways been on time with my payments. I had called their Credit Dept to see if I could get the interest rate reduced on the card with the large balance. The rep asked me several questions concerning my income, additional income, and why was I seeking to reduce the interest rate? I explained I thought it was a little high and that dropping it a point or two would be helpful.

I was then pressed to explain; was I having a hard time making ends meet, etc. I answered honestly, that in this economy everyone was looking to save money. The rep answered that he was cutting my credit limit by $5,000 on the first card from $12,000 to $7,300, and the second account with a very small balance was being closed! I answered that all I was seeking was to reduce the interest rate and now this situation had mushroomed with a credit limit cut and an account being closed! I asked the rep, could he or could he not reduce the interest rate? His answer was the interest rate was very good and it would remain (12.90%). After this call, I felt I should have kept my mouth shut and not even bothered calling Bank of America!

I had an American Museum of Natural History AMEX CC from Bank of America for as long as I can remember. Each month I went online to check account balance and make payment if any was due. I have never been late, missed any payment, or anywhere close to my credit limit, ever. There has not been any recent change in my credit situation.

Yesterday when I signed on to check my balance I found the account gone. I sent an email to inquire and was told to call one 800 # which in turn told me to call another 800 #. After the run around I finally got a recording saying that the account was closed with no further information.

The previous time I checked online was about 4 weeks ago, and it was fine then. I received no notice whatsoever that my account would be closed, let alone any explanation. Luckily I did not use that card this past month and be embarrased with my charge declined. This is utterly unacceptable business practice.

Bank of america has abused me twice in the last year. The first waslowering my credit limit 4 months ago, to 300 more than i owed, right when i was applying for a home loan. My credit score went from 728, to 680. I had to have a family member come on the home loan in order to get it done. This limit lowering was done for no reason, and i have always been a good customer for years. Never made a late payment in my life.

The recent incident has me positively livid, and i cannot be the only one here. This incident has caused me to seriously default on the card entirely, and let them chase me. Damn the credit consequences. My bank of america card was a dodge rewards visa, which carried a points program, that you culd utilize. I had this card for at least 5 years. I had 8,035 points racked up and never used. On october 28th,2009, i recieved a notice that the rewards program was ending as of of october 30th 2009, [two damn days, conveinient..] and that i needed to call the special number and redeem my points, for either a gift certificate or a prepaid gas card. I called all day october 29th, 2009, and several times on oct 30th 2009.

Everytime i called, i was told that the system was down, and to call back, call back, call back. The final call, i was told that they ammended the deadline, and that i would still be able to redeem the points afterward. I called today, and was told that there was nothing they could do ant bank of america, nothing i could use my points for, and to call the dodge card redemption number. [the redemption number merely diverts you back to bank of america] Then i was told, go to the dodgecreditcard website. [the website is no longer active, and diverts you to call bank of america] This is a complete tailchase and it is obviously another shady b of a buisiness practice, to get out of paying theyre obligations for theyre programs. This is absolutely horrible in my mind. I was a good customer for years! Why am i treated like this? They are trying to get out of paying these things due to they're poor lending practices lack of concience for the last 10 years. I don't know who is running bank of america....tony montana? I hope they will like my new ammendment to our card aggreement. I will make no further payments, and you will just deal with it. I am soooo angry.

On Saturday, Oct 31 I placed a request on the Bank of America web site to have the credit limit on my credit increased. This is a card that I've always paid on time and in full every month. I had accumulated over 30,000 World Points which would have been worth about $300 or more in merchandise.

I received a call from Bank of America's credit department on Sunday, Nov 1 and during our conversation they not only decided to deny my credit limit increase, they decided to cancel my credit card. I've contacted their customer service and that said that I forfeited my 'World Points' when my account was cancelled and that I have no recourse.

I think this is a case for a class action suit against Bank of America and I for one would be very happy to participate! I lost over 30,000 World Points from Bank of America Visa card which was worth over $300 in merchandise because they cancelled my credit card without merit.

I have credit monitoring with Citi Credit Monitoring. Yesterday,Friday 10/30/2009 I received an e-mail with an alert informing me that Bank Of America made a change in my credit file. I immediately checked to see what change was made only to discover that Bank Of America made a report to two of the credit bureaus telling them that I was in Chaper 7 bankruptcy.

I don't even know what is Chapter 7. I never filed for bankruptcy in all my life. I have been paying all my bills ontime, mortgage, phones,light, insurance, credit cards and loans, including the credit card I have with Bank Of America.

I called Bank Of America and spoke to a Mr. Hawkins and he said he was sorry for the inconvenience this may have cause me,and he would be sending out an e-mail for them to remove it from my credit file, because he was not able to remove it right away due to the system being down.

I have a credit card with Bank of America in good standing with a credit line of 11500. Today I called to inquire about a balance transfer. The representative asked me a few questions then looked up my credit and then proceeded to tell me that not only could I not get a balance transfer but that my credit line was being reduced to 3000. There was no rationale or basis for doing this as I've paid all my BOA card bills on time and never late. As a result of BOA reduction in my available credit I'm sure this will negatively impact my credit score and potentially cause my rates to go up on other cards I have.

I called B of A from Spain, spent over 30 minutes with several persons and phone trees, which give no options for returning to a live person. I could not reactivate my card. Fortunately, I brought $150. in Euros as well as several hundred dollars with me, so I was able to go to a cash exchange for some spending money.

On return to the U.S. I called the numbers provided for B of A security and spent another half hour talking to two people, then transferred again, on hold for ten minutes and disconnected. I finally went back my branch and the manager had to personally call and verify my information so that I could get my debit card reactivated.

Instead of an apology from B of A fraud and security I got a lecture about all the people who go to Europe and complain about false charges. Anyone going abroad should leave their B of A debit cards home, and use another bank. My local credit union credit card was accepted for the charge for the hotel without a problem.

If I had not taken cash or brought my B of A credit card with for the hotel charge I would have been stranded. B of A accepts no responsibility for the problems it caused on my ten days, and I soon ran out of cash and was not able to buy any gifts. I would advise anyone going abroad to leave their B of A cards at home, they are useless in Europe.

In March of this year, because of a 3rd late payment B of A cranked our interest rate to 27+% doubling our payment and we have been unable to pay it. You are told if you run into trouble to call the bank and they will help you. THAT IS A LIE! I called and asked repeatedly and because we didn't "qualify" they wouldn't give us a payment plan. They wouldn't close the account, lower the interest rate, they wouldn't do anything except continue charging us this huge interest on a $17,000+ bill.

I have banked with B of A for over 30 yrs. always payed my payments on time and most always paid my credit card off every month. We hit a rough patch and no matter where we turned there was NO help. It's been 6 months now and we're making a payment program because we are finally both employed part time, but still won't be able to afford the monthly paymnet. But are entering into it to stall further legal punishment.

I don't know what to do...why won't they work with you? I know over the next year or so we will be back on our feet. but they won't make a payment plan that takes that into consideration, such as pay x amount for 6 months, x amount for 6 monyhs and then regular payments for the term of 5 years that they want it paid off in.

Is there anything else that could be done? All of our other creditors are current, but BANK OF AMERICA won't work with us. That's why we didn't file bankruptcy. It's stupid when everything else is paid? I stupidly ASSUMED that we would get jobs quickly. Wrong! we handled it all wrong, but I am so mad at this bank I will close my accounts and never! deal with them again.

My credit that was very high is now ruined. All but one credit card company canceled me. which is okay, I'm never using credit again! The stress from all the financial problems brought us to the brink of divorce, but we are hanging in there. thank the Lord. The payment they want is 1/2 of my monthly salary! We have both had to return to school to try and get jobs that pay well.

I have had an account with Bank of America for over four years. When I first applied, I had a credit limit of $5,500. It was later increased to $7,800.

I received a letter recently informing me that my account has been closed due to my significant debt.

I immediately called the customer service number given online, and I spoke with Riley, who told me that he is a Senior Credit Analyst in the Existing Customer Credit department. He told me that my four year, good-standing account had suddenly been closed because I do not make enough money. I asked him which "significant debt" I had, and he could name only my mortgage. I have no other debt, not even a car payment, which many people cannot say. I have a proven history with Bank of America in which I have never not paid any balance in a timely manner. And I have been penalized by Bank of America?

I told Mr. Riley that I have proven that I can handle my credit cards responsibly. He said, how if you haven't been using it? I said, I just did! I recently made a purchase and paid it off right away. He scoffed and said, "Yeah, for 12 dollars!" Apparently I am not in enough debt for Bank of America, and I realize that a higher balance carries a greater risk of not getting paid off, which works in Bank of America's favor. Interest=money, and I have never paid one cent of interest to Bank of America in over four years.

I told him that with all my good credit and good history and lack of credit card debt, it should not have been cancelled. He told me none of that mattered.

I then called Executive Offices at 704-386-5687 and spoke with Mona, who told me that she would get back to me within the next five days because there are 42 people ahead of me. I said, "Wow, 42 unhappy people?" And she said, "Well, that's not alot considering we have thousands of accounts." I was extremely shocked and said that 1 is too many! She said, "Yeah, but we can't make everybody happy." She called me back a short time later saying that my account was reactivated and my new balance is $3,000. That is unacceptable to me. People who misuse their credit understandably would get their limits decreased or accounts closed. It is not acceptable to me that I would be penalized for being extremely responsible and for having a balance of $0.

I am a long time credit card customer of Bank of America. Since 1996 I believe. For most of the last 13 years I have been pleased with them and their rates were some of the best. Because of this I have transferred most of my debt over to them. Recently however, they decided to raise my rates for no reason whatsoever. Around 22%. They have made an absurd amount of money off me, so why they felt the need to do this is beyond me. I was given the chance to opt out of my rate hike and called to do so. I was told my rate would return to what it was but if I used the card it be raised again.

I wasnt happy but at least my rate would go back down. When my next bill arrived my rate was still the 22%. I called to inquire and was told my card was charged by blockbuster for a late fee and this is why my rate did not change. I explained I did not realize they had that card on file and it was accidentally used. Bank of America said if I had the charge removed by blockbuster I could still have old rate reinstated. I had blockbuster remove the charge and called Bank of America back. This time they changed their tune and said they would try to get the old rate back but they werent sure if they could. They were treating it as if it were a new loan and to call back after a week to check on the rate. So now weeks later they still did not change my rate back. I have proceeded to transfer all of my debt to a much better credit card rate, about 9%, and will never go back to B of A.

There should be a law against this.

Is this legal? Why would they even do this, it doesn't make any sense why they would dump a good client that has made them alot of money over the years.

I called several times to complain and basically was told that there was nothing that could be done. My credit score is about 750. I am currently in the process of researching other loan alternatives with a fixed interest rate. I am considering a home refinance with a cash-out. This process is taking up a LOT of my time.

If I didn't pay my bill, I could see them doing this but, I have done nothing wrong and I'm being penalized for those that don't pay their bills. Now days, having perfect credit is a crime, oweing O.00 is a crime! Thanks Bank of America for Nothing!

On 10/21/2009, I received a letter from BoA stating that the terms of my credit agreement were being changed. They provide no number to call, and provide no name to refer to. The account was previously an MBNA Credit Line, but apparently was converted to a CC account upon purchase of MBNA. In any case, they have converted my account from a 7.9% Fixed Rate to a variable APR format based on the Prime. They state that market conditions and the increasing cost of providing unsecured credit caused this change.

It is my opinion that this institution should have been flushed when it was deemed financially insolvent. The president who put this organization in the red, should have been put on a $1 salary with all additional remuneration driven on performance (profit), and not driven on stock performance.

Most everyone that I know has taken a financial haircut recently. Which has significantly tightened the budget. When an organization changes the terms of an agreement such as this, it's time to let everyone know that they do not do business fairly. My accounts are going to be moved.

Both these companies have 1) allowed me to charge past what they said was my credit limit and 2) lowered my credit limit. both incidents have resulted in a request for me to pay the over amount as well as the normal mthly amount...and it, I am sure, eventually affected my interest rate. If I do not have a credit limit to support my spending then the company should not allow me to do this, nor should I be penalized for it. I assumed a limit was just that...a limit, a ceiling, but the companies do not treat this as such. On occasion, as a consumer I make a balancing mistake, but companies have this information, all up to date, on a computer and should be able to stop this from happening. The penalities for a grace I never asked for are too cost prohibitive!

Paid my statement due Oct. 11, 2009, in full on Sept. 23, 2009. Receive a billing yesterday saying I owe $6.01. When I called their toll number I'm told the $6.01 is a residual interest payment for not having paid my Sept. 10, 2009, statement in full. How ridiculous! Any interest payments should have been embedded in my Oct. 11 due statement (which I paid in full). Where did this hidden charge come from? It wasn't in any prior bills. It's hog wash. Guess this is how they pay all those nice bonuses to their executives....through hidden charges.

i did call and email them with no success in resolving the issue. there response to me was that if i decided to move my business elsewhere not to forget to pay my credit card bill. I have been doing business with them for many years and that is a [bad] why to treat there costumers. I think its very unfair. I have been struggling to try to make these payments, its been really stressing me out.

I had a statement that was due on 9/11/09 and I paid it and it was posted on 9/8/09. My next statement showed that I made no payments and I was charged a late fee. When I called, the rep. told me that I paid it too early. Three days before the due date is too early? My interest rate is now 29.99%

This seems like unfair business practices to me - & to add insult to injury, haven't we the people bailed them out? It is not as if I am late on paying my bills. A hit on my credit rating, & it seems a closing of a line of credit (another hit on my credit rating).

I have called bank of america for generl query. They offered me Credit protection plus scheme in which bank will pay minimum charges of my credit card statement for 3 months in case of my address change. The charges for this scheme were 95cents for every $100 bill. I acknowledged to get enrolled for this scheme. After few days I called up bank of america to notify them about change of my address. But they refused to provide me benefits as my new address is out of United states. They said that they do not consider cases where change of address is outside US. I have immediately cancelled the scheme and got my fees to the service back. But still this caused me lot of incovienance. And I will never gain my trust on any BOA schemes.

Paid off credit card in full - they showed it paid in full & then 3 weeks later charged me 26.51 in finace charges. I don't feel I should pay this but if I dont it will effect my credit.

I called Bank Of America to get my interest rate down. I have perfect credit history with them, never missing a payment or never been late. I pay each credit card more then whats due the day they come in. I've been with B of A since 1980. Having two checking accounts with them and three credit cards. I chose to not do a credit application over the phone as my payment history should make me credit worthy, etc. The call was ended with my interest rate staying the same. Later on, I called again and by mistake found out that B of A took my high credit limits, approx $14,000 each to $150 over my balance due on each credit card accounts, including my husbands B of A credit card. Nothing was mentioned about doing this to us. We could have bought a set of tires and gone over the $150 we had left on the credit card used. That would put us over the limit and our interest rate would go up to 30%. I am mad at Bank of America to the point that I paid $9,000 to pay off my credit cards with them. I want to put the word out to consumers like me who have paid their bills without any late charges the whole time being with Bank Of America, just to be treated like this.

It was a slap on the face! We paid cash for our house, and our cars are paid for. I'm sure another banking institution would love our business including Bank Of America who offered us blank checks to transfer other bank accounts balance with them. I called them more then once and I was back to square one, they wanted personal information to update their records when all along they had a credit report in front of them, which I never authorized for them to get. They knew how much debt I had? This was necessary as a follow up call to why our credit limits were taken down without our knowledge. I think not... B of A never knew I would call them back. If you have any suggestion on how I can deal with this, I would appreciate it. I'd like to protect others who are in the same situation. I would like to get some satisfaction and put this to rest.

I have been a bank of America customer since 1997 and I had my credit card linked to my personal account. My wife and I wanted to purchase our first home. I was told by my mortage broker that I should have no more than 50% of my card balance available so, we finally managed to save enough money to payoff some cards. Being that my BOA card was at 18% I decided to pay off this card 2,500 dollar personal card off. That's when the nightmare started.

We logged in to make sure the payment went through and we noticed our limit was chopped down 1300.00 Thinking this was an error, I called customer service to see what the problem was. I was transferred to the credit/collections department and spoke to some rude 20 something named "Anthony" Anthony said that 9 months ago I was 1 daty late on my card payment and I transferred 40.00 from my card to my "linked account" to avoid an over draft. He said "this behavior obviously shows that you are incapable of handling your finances and we had since flagged your account for a reduction". I said "Anthony, if I was 1 day late and was subject to reduction, why wasn't I informed? He esplained that they could lower the balance until I paid it down.

Now I am livid and done with Anthony and wanted to speak to a supervisor. He transfered me to Matt G. I couldn't beleive my ears. Matt was rude, derogatory and drunk with his so called "power" I engaged Matt with some simple questions like, why wasn't I informed, and why are you ok with me making 200.00 payments for years and now that I pay off the card you chop it in half? He retorted, well, it looks like your credit isn't good enough to hold your 1300.00 balance so I am going to close your account. I was so taken back, I challenged him and said "you can't answer my questions so your simply going to close my account? He said " It has nothing to do with it, we were going to close it anyway and hung up. I was totally blown awy by this and called back numerous times only to be put on hold and hung up on. When I finally got through to Matt again we went round robin and he decided to closed my wife's paid off credit card!!!!!!!!!

I had 2 cards with Bank of America. Today I received a notice that they cancelled my one card with a limit of $8900, (that had a zero balance) and my other card that had $9000 balance was reduced to $4700. My balance was $4474.78 on that card. Thus they have effectivley made my credit usagae 95 percent instead of the 25 percent I was at. Why did they do this? Well my beleif they didn't make enough money off of me. I don't pay late or over the limit. I paid Oct pymt of $1585, Sept pymt of $535, Aug pymt of $1770. paying about $4,000 in the last three months cutting my balance almost in half.

I guess they saw I was going to pay it off quick and decided to screw up my available credit ratio. I don't have anything negative on my credit report. They said it was because I have "sufficient debt" I owe 9200 on other cards, but I had more debt several months ago when I was only paying my minimum payment. Now they have a problem with the amount I owe. Well thank you Bank of America. I will have you paid off in a couple of months. Then on to my other cards. I really hope these tactics backfire for all the credit card companies and people get rid of them. I am working on dumping mine. Good luck to you.

One collector called me about 3 days ago and we spoke on the phone and I thought he is the man for the job. I have nothing against paying BOA until he asked me, why am I paying all my other bills, loans, and etc. with other banks but not BOA? asked me if I do have anything against BOA? After talking to this guy on the phone he gave me his phone # when I told him that I will get back to him as soon as get everything together to process for payment. And now for two straight days leaving messages on his answering machine he doesnt call back, and this agent knows that I need some info in order for this transaction to go through. Please respect others as you respect youre-self.

I am now back on track and paying down all the debt, I just recently lowered my debt to balance ratio by $2500. So thinking I could get a lower rate due to stellar credit and great payment schedule, these con artists could not raise my rate and lowered my limit to $100 above my balance. So instead of helping me they basically eliminated the $2500 debt to balance ratio I had worked so hard to pay down by lowereing my limit.

I had a visa card with Bank of America for which I paid a $90 annual fee in advance. Bank of America cancelled their visa card program but has refused to refund me for the amount owed for the period that I had already paid for. They owe me about $29. But I am sure that there are thousands of others in the same situation who have been ripped off by their practice. I have written the Bank repeatedly about their obligation to refund the unused portion of the annual fee.

While I am sure this practice is legal, the negative impact it has on my credit score and purchasing power should not be. I have done nothing to deserve them relinquishing my available credit, unless you count not incurring late fees or fees for exceeding my credit limit.

I want this stopped and am willing to participate in any and all class action suits against this institution.

I have been a customer of Bank of America with a credit card for over 10 years.I have never missed or beeen late for a payment. In fact, they originally solicited my application. Yesterday, in the mail, I received a notice of a change to my account telling me that as of February 2010, they would now be billing me an annual fee of $49.00/ year. They added if I did not like this, I could refuse the fee and they would close my account. In addition, although the card originally was at a fixed rate, they also advised that it would now be a variable rate. I am paying it off and they can close the the account but I think it is disgusting that with as much money as they have taken from the government, that they treat long term customers in such a manner.

I have had an account for a number of years with Bank of America, and I did not make the payment due August 11, 2009 in the amount of $727.00. I take issue with the way that my account has been handled. In December 2008, I received deceptive material from Bank of America in the mail about an offer of 2.99% interest rate. I responded to the offer and the transaction fee should have been $199.00, whereas they charged $1,107.00, increased the interest to 12.2% and charged a $39.00 fee. I talked to their service department twice and never did receive any information on the transaction.

I wrote Senator John Cornyn and he indicated "The Truth In Lending Act" of 1968 provides consumers with a number of protections from deceptive lender practices.Bank of America, as well as other big banks were bailed out by the taxpayer's money at very low interest, then they all charge consumers very high interest. The people are demanding answers. Recently Congress finally got up off of their rear-ends and passed a so called Taxpayer Bill of Rights, but waited eighteen (18) months to put it into effect. I believe the answer is because Congress is tied to big banks and Wall Street. Term Limits will put a stop to this!

I am sending a copy of this letter to the Senator, the office of the Comptroller of Currency and the Tresury Department, and I do expect a reply from OCC and the Treasury Department as to what they have done to protect the consumer these past 41 years!I am going to suggest that consumers write their representatives, OCC and the Treasury Dept. too!

I called a representative. she informed me that by balance was too high but My limit was 9,000 and the balance was 8,000. she tyhen informed me that credit card balances were not ment to be long term debt and that i should have some how used my card more appropriatly and I hope you purchased items you liked and or used for fun. so now that they use taxpayers money to save them they can raise there interest rates anyway they want. This I do not understand the gov't bails them out then the congress paases a law thay limits abuses by banks and their credit cards. However, between the passing of the law and the enforcement of the law (about 6 months. Bank of America raises it rates because it can. That is a bunch of bologna. I will never say a nice thing about bank of america. and if i had a choice i would not allow the use of the word america in its title. They rip americans off. Take their hard earned money by raising interest rates on americans who never miss a payment. have great credit but a new law is about to change their abuses so they continue or add to the abuse by raising my rate in the interum between passing the law and enforceing it.

This for some reason I feel is a foreshadowing of all gov't enforcement of business. business will just raise its prices and we americans suffer. We all need to botcott bank of america. They do nothing for anybody. They steal and get away withit. they lie, cheat, steal and get away with it. They talk to me obver the phone as if they don't care, too bad sorry it is what it is? We'll let me tell you I will remeber the banks . they made mistakes we bail them out and they in return steal from the people who saved them. Bank of America should be discredited and they should do the right thing and freeze interest for a year and allow citizens to repay as much as posible for a grace perid seeing how we bail them out then they raise our interest. They should be shoot, bombed, and dragged through the streets.

I work out of town the majority of the year. During that time I have someone collect my mail for me while I was out of town. In June after returning home I received a call from Bank of America regarding lowering my interest rate. I was shocked to find out my balance was more than $9000 when it should have had a balance around $800.00. I was told there were 18 checks written against my credit card from Jan. 2009 to May of 2009, of which time I was out of town. When asked why I didn't notice the fraudulent charges until than I explained it was because I had been out of town and had not seen any of the statements. I did give her the name of the person who had been collecting my mail, although she had moved out of town shortly before I returned home and I had no way to get in touch with her. From my first conversation with Mary she was threatening, accusing, aggressive and extremely rude to me. She was very overbearing and accused me of not being truth full. I offered her proof that I had been out of town for work along with the offer to take a lie detector test. I than filed a fraud complaint immediately. I was sent an affidavit which I signed and faxed to her immediately along with a statement. I was told by Mary that I did not need to file a police report. She called me back the next week when she received copies of the checks. She said the signature and the writing definitely did not match mine, and it was obvious fraud. She said she would mail me copies of the checks and statements, but it would take up to eight weeks to receive them, which I never did receive them even after several calls to find out why I had never received them. The only other correspondence I did receive from Bank of America was a letter that my avadavat and statement had been received and I would be contacted if anything further was needed.

The fraudulent charges were taken off of my account. I did not hear from Bank of America regarding this matter again until September 25, 2009 at which time I was told that my claim had been denied and the charges were put back on my account, along with my interest rate being doubled. The reason I was given for their sudden denial was because I was told I had refused to cooperate with the investigation, which in fact I had done everything I was asked to do. Mary also said that in our last conversation I had admitted to giving Tara, the person who was getting my mail for me while I was out of town, the checks to use, which is also in correct. She was collecting my mail for me while I was out of town so I couldn't have given them to her. She got the checks from the statements that were sent monthly by Bank of America and had written the checks without my knowledge or permission. She apparently had been making the payments herself. When I got home in June there were no statements in from mail from Bank of America in my mail, so there was no way for me to know what had happened. Once again, Mary was rude, overbearing and would not even give me a chance to speak. She stated I was responsible for the balance and her decision was final.

I asked for a chance to appeal her decision, which she said was not possible. She also threatened me with legal action for filing a false fraudulent report. In truth, it is Mary's report that is false as she lied in it. I have done much investigation on Bank of America and have found thousands of complaints regarding the same type of treatment and unfair practices that I am currently experiencing, in addition too multiple on going lawsuits against Bank of America. I found these complaints against Bank of America at the following web sites: my3cents - 1050 complaints, ripoffreport- 1720 complaints, complaints- 171 complaints and complaintsboard- 2374 complaints. It appears that it is Bank of Americas' standard practice to charge off fraudulent charges on accounts only to deny the claim months later and demand the account holder responsible for payment. It is very doubtful that they even investigate their fraud claims that are filed. Their treatment is unethical, greedy, coward less and criminal. After receiving several government bail outs these practices should be stopped immediately. I want these charges taken back of my account as I am not legally responsible for them.

I think this is usery. I am self employed, they charged me $2277 for nothing! I never ordered it wanted it. they took off 2 months of charges. I think in the future, when you "order" something you need to sign in writing that you know the terms of the "enrollement" the facts as to what it is going to cost. show me where I signed anything ordering this coverage? I did not.

I am closing all of my accounts with B of A. I am very unsatisfied. I am writing to Obama, the Consumer Protection Agency and the Pres of B of A, my congressmen, my senators to get this resolved. I cannot believe there is no protection for the consumer on "not ordered services or disclaimers or evidence of coverage and costs"!

I was a happy BofA customer for several years. I had checking, savings and a credit card with them. I originally became a customer because they were the first in my area to offer free online banking which was very convenient. I set up a number of bills to pay automatically, including my BofA credit card with an interest rate below 8%. Each month I would pay 12 days ahead of the due date (automatically) and the payment equaled about 3-4 times the minimum amount due. I did this so my payment would never be late, and I wouldnt have to look at my statement every month. I eventually check them all to make sure there are not bogus charges, but sometimes it is a few months before I get to them. Since I set up the automatic bill pay I never had to worry about late payments, so there was never a big rush. This system worked great for well over a year. Then one day I opened a few of my past statements and saw there were late fees and I noticed my interest rate had been jacked up to 29.99%.

I couldnt figure out what the heck was going on, so I called them knowing with the automatic payment set for 12 days before the due day, shouldnt have late payments! When I got through to the CSR I found out that they changed my due date. I asked why and she could not offer any explanation other than they sometimes do that. I explained that I had never paid late until now and they cost me all kinds of late fees and a jacked up interest rated and I wanted it corrected. She said We gave you 60 days notice via mail. I think the volumes of other stuff they send is intentional so when they actually do send something of significance youll assume it too is another unwanted offer. Of course I explained why I had the automatic bill pay in the first place, but it fell on deaf ears and they didnt do anything correcting this problem, which never would have happened if they would not have altered the due date I had agreed upon when I set up this financial contract with them. I find it very suspicious that when they decided to change my due date the new one happened to fall 2 days prior to when they were receiving my automatic payments for the past year. I believe they studied my automatic payments, or maybe since my checking account is with them, they were able to see exactly how the payments were structured!

Looking at my recent statements I took $300 and $400 as cash advances. Second advance was taken way back in Nov08. Even though I never missed single payment cash advance amount now shows $1064 instead of (($300+$400)- prorated monthly payments applied) of less tan $700. When I spoke to customer representative reasoning he gave me was every month though I make monthly payments regularly, they apply the 19.99% interest amount accrued monthly on cash advance back to cash advance. That means to start with I had $700 as cash advance, next month it became 700+11.66 =$711.66.

In next month statement they will apply 19.99% interest rate on $711.66 so the cash advance amount now becomes $723.51 and goes on this way even though I make my monthly payments, which is applied only to balance transfer/purchase amount. This is kind of charging interest on interest every month is kind of deceiving customers with hidden charges. Customers will have no clues unless they drill down and see or find out through some analyst.

I have had 2 credit cards with Bank of America for 6 years. I have never had any late payments, never been over the limit and also have my home loans secured by them.

Today I received a letter that states that both of my accounts are closed after a review of my credit worthiness.

On all 3 of my major credit report files I only have 1 negative item, that was a missed payment (30 days) to a Credit Union that had a note on my car. This negative mark was because I was paying off the car and a payment came due in the time that the funds were being processed.

Today I called Bannk of America. It seems like they have decided that now after 6 years of being responsible with my credit that they now consider me a credit risk. (although the analyst mentioned several times that credit risk was not the correct term and stated that it was more their concern for an ability to pay)

Currently I have less bills going out at this time than I have had over the past 3 years. I questioned why they have decided to cancel the cards but the analyst could not really give me a good reason other than alot of runaround about how my finances have changed - (I now making more money- paying out less debt- but have other lines of credit)

Bank of America had really left me with great disappointment, and I can now see why people decide to default on their loans and mortgages.

I really just wanted to keep the lines of credit open to show the stable financial responsibility.

I will never do business with Bank of America again, and as soon as the economy takes a better turn, I am going to pull both my home mortgages away from them.

Bank of America is not about helping people. They should never have been given a bailout.

In August of 2009 a family even accord and we were so involved in it that we missed a payment. When we realized this we made a payment of $3000. About two weeks later received a letter from BoF that our rate had gone up from 9.9% to 26.9%. I called BofA to talk to them to get the rate brought back down.

I explained to the gentleman that I spoke with what had happened and asked that the rate be brought down. He proceeded to ask me about our income, other income coming into the house including alimony and child support, and what I did for a living. He then proceeded to tell me that our balance on our account had not gone down in over a year. What he failed to see was that it had not gone up either. He also noted that we had paid $3000 on the bill but this made little difference to him. I found his manner insulting and demeaning, and it was clear that he was not going to do anything to lower the interest rate.

About two weeks after this encounter we received a letter from Bank of America telling us that we had enough credit, and not only was our rate going to stay as it was but they also lowered our credit limit. Funny thing about lowering the credit limit. After they tacked on the new finance charge it would have taken us over the credit limit. The next day I went into our savings/retirement account and took out the money to pay the entire balance owed to BofA.

I knew I should have known better than to deal with Bank of America. I have carried credit cards with B of A for many years, so I thought they would have treated me with a little respect. Stupid me!

About a week ago, I requested a credit increase on my Rainbow Card VISA. It had been $10,500. About a week later, I received a notice from B of A advising me that they had DECREASED my limit from $10,500 to $2900! Their reason: the authorized user on my account, which happens to be my domestic partner. B of A indicated that his credit history was not very good. I'm not quite sure why his credit history would have been a consideration in evaluating my request for a credit increase, since (1) I had the account way before he came into my life, and (2), I was using my credit history and salary, not his!

Based on the notice, I contacted my credit union and had them send a payment-in-full check to B of A. I then called the bank and told them to close the account. I will now deal exclusively with my credit union when it comes to credit card business.

Raised 4.9% rate of credit card to 9.9%Said to customer service there policy was unfair because I'd never been late.

I have been with Bank of America for many years. I had a Savings Account, Checking Account and Credit Card with them. I have now closed all accounts with them due to the unjustified raise in my interest rate on my credit care\d. I had signed up for a credit card that had an 8% interest rate. However, Bank of America began to claim in April that I was making late payments. I found this hard to believe because I was mailing my payments the same way I had always made my payments and they had never been late before. They told me my one payment that was due on April 9th was not paid until the 10th of April and that resulted in my interest rate going from 8% to 27%!

I looked at my bank account and saw that the check had been sent out on the 1st of April like all my other checks but for some reason it didn't get there until THE DAY AFTER my bill was due!? I was LIVID! I asked them the nest time that my bill was late and the gentleman told me well in May, it was due on the 9th and didn't receive it will the 13th. I looked again to see when the bank sent the check out and it was sent out on the 1st of the month. This "late payment" resulted in my interest rate going from 27% to 29%!

Then the gentleman also informed me that my bill was short in August (but on time) I asked him how short my bill was because I was under the impression that my bill had been the same amount for a couple of months. I was short $7! This resulted in a hidden fee of $35 being billed to me. The bank also claimed that I went over my limit many times which also resulted in my account being subject to high interest rates. If I have a limit... How am I going over my limit?! Well, Bank of America never denied my card. So even though the purchase I was making would have put me over the limit Bank of America allowed it to go through and place me over my limit "as a courtesy to me!" Yes, that is exactly what Jennifer, the customer service agent, told me. They were being courteous of me by allowing my account to go over my limit and charge me a $35 fee each time it went over the limit and then made my interest rate go up from %8 to %29! After calling many times and also personally writing to Ms. Georgann S who is the executive of Relations with Bank of America nothing has been done.

These practices are deceptive and but most importantly unethical. With all the current ethical issues recently, this company should be more responsible and held to their promise. I signed an agreement with them due to the lower interest rate offer and without notification, they can just change it at their will and against the agreement language I agreed to. If I have been correctly notified, I would have obviously taken immediate action to transfer my balance to another company.

We had a balance of 13,000 on our account and paid it off, then about 30 days later we recieved a notice that they had dropped our credit line to 1200 dollars. I called thinking it was in error, and was told that because I had had a bankruptcy in my past that was their reason. the problem being I had filed in the 80's long before I ever got the visa, and my credit has been perfect since then. There was no reason to drop my rate. Unfortunatly it's a card we like to use to travel to the island on twice a year, and now the line of credit is so low we can't do that.

Never carried a credit card balance. Always paid card off completely each month. BOA began sending statement closer and closer to due date until it became impossible to send payment in time not to be late. After 2nd telephone complaint to BOA and their refusal to remove $20 late fee, ran credit card I really liked through shredder with advice to young punk on phone where to put remains.

However, I came to an agreement for them to automatically withdraw $160.00 per month on the 26th of each month. A few weeks later, another of their customer service reps. called to say the one that set up the 1st arrangement made some mistake and they needed to redo the arrangement. I agreed. The next month 2 consecutive payments were withdrawn from our account instead of 1. i called BOA and was told the error would be fixed. It never was, instead, they kept the 1st arrangement on the account and continued to withdraw on the 2nd arrangement with the 1st arrangement showing as delinquent. I called on numerous occasions to have them rectify the issue and they never did. My credit report kept showing deliquent eventhough Bank of America withdrew the mony from my account monthly until June 2009.

Stepping back a few months, in December 2008 I wasd laid off from my job. I called BOA and eplained that due to the fact that I was just laid off and my wife had knee surgery and was unable to work, could they please reduce the monthly withdrawal. The cut the amount to $80.00, but kept the othe $100 dollars showings as being in arrears. I asked them to fix it as it was showing on my credit, they didn't.

In July I got a call from a woman saying BOA had turned my account over to them for non-payment and I needed to make arrangements to pay the above-mentioned Attorney. When i tried to explain the situation she handed the phone to a man who was very rude and abusive and made all sorts threats of liens on our home to wage garnishment because he said I refused to cooperate wtih them. I hung up. Last week a Miss Johnson again called wqith the threats, what can I do about all this?

Now I have a balance transfer of $100 with a 19.99% APR (higher then the 16.99%APR on the account) essentially the charged me $100 for a bounced check and they are earning interest on it as my entire balance has to be paid off before money goes towards paying off the balance transfer plus a check return fee of $39.

I recently noticed my minimum payment increase and I called to speak with customer service to see what was going on. I was told that back in July my payment was ONE DAY LATE, therefore, my min payment went from $350 up to $600 for a 6 month time period. I explained that I had major surgery and was hospitalized for 3 weeks in July and the payment was only one day late, but the customer service rep didn't care. I was told that there is nothing I could do except pay the money for 6 months, then call again and they would "see what they could do". I have enough trouble paying on my debt, but now it's become impossible...the economy is terrible right now and Bank of America is making it worse. I have banked with Bank of America for years and now I am considering to make the switch to a bank that doesn't cost me so much money.

I have a business credit card with BofA about 3 to 4 years ago. I was having some problems and 3 months payments were late, not 30 days but I was charged the late fee. For the last, at least 2 years or more, not one payment has been late, in fact I take cash to the bank because it takes Bof A so long to post any payment to an acct. In April they raised my interest rate because of serious delinquencies...so I accepted that I knew banks were doing this.

In August they raised it again for the same reason. When I called customer service the young man informed that they can do that, basically as many times as want. With the increase in interest it also increased my payment by 83.00. I asked the c/s person, what if someone just can't pay that much more...he said they have no choice or they will be considered delinquent.

All of these large institutions are doing everything they can now to gouge customers because come the first of the year there are new laws that are going to affect the banks...they are getting in all the digs they can before the first of the year.

I plan to pay off my card at the first of the year and at that time will close my personal account, my business account, I will also try to get my 2 adult children to close their accounts. BofA is ruthless, they take advantage of every customer they have with no regard for history with the bank.

I have the same complaint as Tracy, credit limit if 27,5000 which is obscene to begin with but they kept raising it due to my "great" history. So now, they have increased by percentage from the 0% balance transfers and the 8% purchase rate, to a whopping 14%....so what happend to the "great" credit history? with the increase in percentage rate, not to mention they didn't allow the 0% to finish out it's term, I am getting monthly minimum payments almost as much as my weekly pay check...and like Tracy, they wanted me to speak with a debt consolidator who didn't have the time for me and promised a call back, well that never happend. If they would of left my account alone and others, there would be no need for a "debt consolidator or counselor".

Compared to many others posting complaints on BoA, my issue is smaller, but the principle is still the same.

A few months ago BoA raised my interest rates from 11.99 to 15.63 for no reason. They told me I had two choices: accept the new higher rate or close my account freezing it at the current rate. Begrudgingly I chose to accept that rate increase.

I have been with BoA for many years and have been a 'valued customer'. Well, this month I had a payment due on Labor Day, 9/7/09. I made the payment a couple days earlier via the BoA website. It would only allow the payment to post on 9/8/09, since 9/7/09 was a bank holiday. Well, I decided to take the hit of late fee IF it was going to count as late, even though I made the payment before it was due. Today I received a letter telling me I had defaulted due to that late payment and they were raising my rates from 15.63 to 27.24. I called customer service to see how they could help me, explaining the holiday due date and payment date. The lady in customer service I spoke with was very nice but did not understand why I did not use the myezpayment.com website to make a payment which would have posted the same day I made the payment. I explained in all the years I had been making payments online and talking to customer service I had never been told/notified/or seen it posted anywhere that was an option.

If that is available, then why does their regular website not offer the same payment posting practices?? (I am confident it is because it would be a loss of extra late fee income.) It seems like a devious way of doing business. She transferred me to Customer Satisfaction, who could not help me but transferred me to the department that handles rates. The man, whom I remember speaking with when I called regarding the first rate increase, was condescending and unempathetic, skewing all my comments - as he did the first time. He asked why I waited until the last minute to make a payment. I reiterated that two days before the due date is not the laste minute. He also asked why I had not made a payment by phone, which would have posted that night. The fee to do so is $15, and the last time I used it it posted the next business day, so I'd be in the same boat. He took all my information (salary, mo house payment, etc.) and reviewed my credit card history to "see what he could do". I knew what the answer would be, for it was the same that he gave me months before when I called on the first rate increase. He said my only options were: accept the increase or close my account locking in my current 15.63 rate. Of course I had no choice except to close my account. I feel completely abused. No doubt there is some fine print somewhere that gives them the right to victimize me and everyone else. Where is the protection for us? It just makes me sick. My guess is that this will negatively affect my credit, through no real fault of my own - other than doing business with BoA.

I have been complaining to B of A after they raised my interest on an account from 9.24 to 18.24% - which raised my monthly minimum payment of course also. They absolutely refused to lower it at all although I pay my bill on time every month. Now, they have lowered my credit card limits on all my B of A accounts. This is done with a letter stating that the limit has been lowered to just slightly above the amount that I currently owe on that card.

I know they can do this, but why would any business treat people like this? They could have (at the very least) giving me some notice that they were planning on lowering my credit limits. My small business is basically shut down now as I have no credit to buy supplies, new inventory or pay employees. In addition, all my credit card minimum payments have been raised so high that I have no money left to run a buinsess.

Bank of America raised my credit limit from $15,000.00 to $19,000.00. Because I was " a valued customer with outstanding credit". In April 2009, I requested and received a cash advance of $5000.00,(for construction costs), knowing the funds were available. My May 2009 billing statement indicated that my credit limit had been reduced to $12,000.00, (which was the amount I already owed) and that my balance now exceeded my limit by $4700.00. I was not over my limit when I requested, and received the $5000.00 cash advance, as that was a part of the increase of my limit in February to $19,000.00!. The domino effect this creates is absurd !!!!

BOA lets FIA Card Services handle their accounts. This is the company that I feel is causing the most grief to customers. I have two accounts with BOA and for the month of February, I made a check phone payment of $300.00 and had it directly taken from my checking account. I was never asked for a check number, but was assured the money would come out of my account. I gave them the account and routing number and the payment amount. I have the confirmation number I was given, at the time of payment and it was not late. Then I received a letter, which I now know was from FIA, stating that they had charged the $300.00 to my credit card account, due to the $300.00 being denied by the bank, but NOT for Insufficient funds, it listed, account not located. I was on the mainland at the time for a family emegency, and was not home when FIA, called my fiancee.

First, BOA called her and told her they did not receive the payment, and since such a good customer, gets behind, they were concerned......My fiancee told them about the letter from them saying the payment was charged to the account, and the BOA representative, said it must be another credit card company since BOA does not charge payments to accounts. My fiancee read the letter to the BOA representative. Once I returned to Hawaii, I called the FIA number that had been left. At this point, I was trying my best to resolve the account. I spoke to a man one day, that identified himself as a supervisor...he was rude, demanding large payments to get things caught up....lecturing me on my inability to pay my bills on time.....I wrote a letter to BOA explaing all of this, in May, 2009. I never received any communication that the letter was ever received. In addition, I am still receiving letters, demanding large payments. I too was pressured into a "Special repayment program" whereby my payments are directly deducted from my checking account for four months,then continuing for sixty billing cycles. This is on the card that involved the $5000.00 cash advance.

I received no assistance in getting the high overlimit charges or interest chages,or late fees removed from this account. I have gone from excellent credit to having to agree to a "Special Re-payment" program from Bank of America's overpaid executives, and their predatory partners FIA Card Services, N.A. The effects of this one account, have devastated my credit. Once BOA reported this to the credit bureau, every credit card I had, raised interest and reduced my limits to the amount owed, making all cards, over limit, with high interest rates and over limit fees, and freezing of all accounts.

Where do we turn for the bailout, like they received? Where and when is it going to end. For me, I have made the decision to close all cards via a "Debt Settlement program", NOT from BOA. One last thing, seven hundred billion taxpayer dollars in real money was given to these companies, not credit. BOA asked for and received 45 Billion dollars in TARP monies. Who is asking Congress for me, to receive a bailout. If that 45 Billion given to BOA was distributed amongst all their customers, wouldn't that have saved the customers, and not BOA's Executives??? And isn't BOA supposed to repay the monies,,,,,,the money they are highjacking from all of US!. It is a scam and they are getting away with it. I close, as I began this...BOA....Bend Over Again.

I had an MBNA credit card, which was taken over by Bank of America. When I lost my job, and was unable to make my payments, it became past due and was closed. This was my fault, and I take responsibility for it. I eventually received a large sum of money owed to me. I paid off my credit card in full in June 2008. I received a letter verifying this, and that the account was closed permanently, dated 18 June 2008.

BoA charged my closed account on 1 July 2008, and sent me an invoice. I called to complain, and was assured the illegal charge would be credited. They overcredited it instead, putting a balance of -$9.32 on the account. They would not fix this. They then sent me a checks on 2 occasions for this amount, to which I was not entitled, and I returned them each time. They finally erased the $9.32 credit in August 2009, but charged me a $10 bank fee for the pleasure. They refunded this, but have left a credit of 12 cents on the account as of September 2009.

As long as BoA keeps this credit on my account, they are making reports to the credit bureaus. That negative entry would have cycled off my credit reports however many years it normally would have after June 2008. But BoA is negligently and fraudulently keeping that credit on my no longer existing account, and reporting this information to the credit bureaus each month since.

Bank of America lowered my credit limit from $27500.00 to $22500.00 after I asked them to please lower my monthly the rate from 5.9% I asked them this because I was a good customer. Then they changed the terms of my contract a few months later actually raising the annual rate to 10.9%, I was unaware they had done this, until I received a letter, and several phone calls from them asking them when I was going to pay the $18.00 that was past due on my account.

Every month I payed more that the monthly payment that was due, however when they 'Bank of America' changed the terms of this account I failed to meet that payment even though I was completely unaware of the change in monthly payment, and the terms. I promptly called them, and asked them when they had changed their terms, found out how much the account was past due, and payed them immediately $18.01.

A few months later since my credit limit was lowered to with-in less than $500.00 of what was currently due I over limited the account when an auto payment from a vendor was charged to my account. I recently made a payment to the wrong credit card fortunatly this was still a Bank Of America account that I had already paid in full years ago, so I called there customer service, and explained to them what had happened, and asked them to remove the late payment charge as I had made the payment on time infact 9 days early, but to the wrong Bank Of America account. The lady in customer service said not a problem, I'll credit the account for you and remove the $39.00 late service fee.

I get my most recent bill the other day, and I notice they not only did not refund the $39.00 late payment fee, but they raised my annual percentage on my account to the maximum of 27.24%. I called their customer service, and explained to them what had happened as above, but the guy there said there is nothing they can do to fix the problem today.

I had two credit card accounts with Bank of America. One account resulted in a $4K+ credit because of a balance transfer to another card. The other account was a zero balance. I had to contact BOA to have them send me a check for the $4K+. After some time and other issues, they did. I asked them to close both accounts at that time. I deposited the check.

The next month, I checked online to ensure that the accounts were closed. I saw a charge in the same amount that the check was issued for, now shown as a charge to the other account. BOA admitted nothing initially. Then they faulted the rep that processed the check for using the wrong account. They then stated that they would remedy it. I again checked and the account still showed a balance.

I called and spoke to another rep from BOA. This time, they advised that I would be sent another check for the same amount, I should deposit that check, and send the payment to BOA to be applied to the account. After not receiving the check for approx. 2 weeks, I called back. BOA now stated that the check had been sent and was showing as cashed/processed. I informed them that I had not received a "2nd" check and that they should put a hold on funds or do something to investigate. They advised that they could not "see" the details of the transaction, only that the check showed as processed. They then informed me that they would send another check that I was to cash/deposit and then send the payment in. I again waited over a week and saw no check.

I then called when I received a check about 12 days later. BOA informed me that the check I had was the "2nd" check sent and that the third would now be cancelled. My account now had late fees and finance charged that had accrued since the BOA error. BOA advised that they would take care of the charged, but have not. They have said that I must send in the payment before they can erase these fees.

I have asked at least 5 reps to put me in contact with a supervisor. One has and that man, Tony, advised that he would flag the account in his name and contact me weekly to ensure that the account was resolved and that the fees were adjusted before I sent the funds. He also advised that he would send a letter detailing the error by BOA, all fees and late charges, etc. to be removed, and that any negative information be removed from my credit report. I have received no letter, no call from Tony or any other supervisor, or live person for that matter.

My emails have gone unanswered or answered so erroneously that they are impossible to comprehend (ex. I was told that two checks were issued and the amounts listed turned out to be the last four digits of my account numbers instead). I receive no less than 4 phone calls each day from BOA via an automated service beginning as early as 6am. I have called the number provided and followed the prompts. Each time I am connected with a representative who has offered no solution other than sending the balance due for the account.

I have never again been able to contact a supervisor as the reps will not forward the call; rather they put me on hold while they confer with them. They have also refused to give a letter (or email) or anything detailing the amount I owe minus the erroneous late fees and finance charges.

I have a credit card with Bank of America but I am very frustrated now. I have not made any purchases but it feels like I cannot bring the balance down no matter how much money I send. I keep gettting hit with over the limit fees but when I call the automated customer service number, it gives me a current available credit balance.

I sent in a payment which was over the minimum that they wanted and it showed a posted date of 14. BUT, the statement came in and there was an over the limit fee again posted on the 17th. So I got charged 35.00 again. I registered my account on line and was looking for a place on their system where I could pay my balance on line but there was no such service available. And when you call the automated 800 number they only take out the minimum payment required and the system will not let you pay a little more down on your balance! In turn, they will bill your account 10.00 so in reality, you are only paying 5.00 to your account, in my case my minimum payment is 15.00.

I would like to warn people about obtaining this credit card and there should be more laws protecting this kind of predatory practice. Please read all of the prior warnings that are posted here and be very careful. My credit report is probably borderline bad because I cannot pay down the balance no matter what payment amount I send in because I keep getting hit with over the limit fees. The automated system will tell me that the balance is not in the red but my billing statement will tell a different story.

I have been a customer of Bank of America since 1997. I have two credit cards with them. One for business expenses with a $13k limit, the other for personal use with a $6k limit. I have never carried a balance on any of my credit cards, paying them off every month. I asked for an increase in the limit on the $6k card since I was spending $2-3k/month and wanted to increase my credit score of 720, to get it over 750. Instead they reduced my limit to $600! A decrease of 90%! I have never paid late, have a very good score of 720 and have been reading that they are lowering credit limits on customers with good-excellent credit. This is especially troubling considering we bailed them out with $45B of our tax money just 6 months ago! I would like to switch banks but am unsure what to do in this difficult and bizare economic climate.

Bank of America is absolutely the worst credit card company I have ever dealt with. I transferred a balance with a 0% interest for one year. I received my first bill. That is when I saw the interest at 19.99%! I called and asked why didn't you tell me that is would be so high after the APR promotion is over, they said we wouldn't know thta. So, I asked can you lower it? They said, no but call back in six months, we will review it again. Okay, so I called in 8 months, realizing that I still had over $9000 left and only three months left. Not only did they not lower my interest rate, but they transferred me to some bleeping moron credit analyst who started asking me all kinds of questions about my salary, other income, monthly mortgage, debts. I asked him why are you asking me all of these questions, just to lower my interest rate? He said I am going to do a credit history on you. I said you mean my history with you? He said, no ALL of your credit and total debts. I said no one has ever done with me before. It's either yes or no, can you lower my rate or not? I have always paid my bill on time and always doubled the minimum, why are you looking throughout my credit history? Then he came back with this garbage about I have too much debt for my income. And that they didnt feel I would have an ability to pay them, so they are not only NOT going to lower my rate (which I didn't even care about at this point), but they were lowering my credit limit from $14,000, to exactly what I owed on the account.

I was livid. Then he recommended a debt consolidator and that I should suspend ALL of my credit cards and only keep one for emergencies. I WAS INSANE after this! I said, as calmly as I could...I am an adult and I can make my own decisions about my finances. I also told him he seemed to be getting a thrill out of this, too. I asked for a supervisor, he said one would call me back in 48 hours. There are I guess so many complaints, they are two days behind. It doesnt matter, the supervisor will agree with what he did. Something has to be done about this company. There needs to be a lawsuit aganst them doing this. If I am showing an ability to pay not only their debt, but all of my debt and am never late, how dare they make that assumption. Shouldn't they have to show cause before they lower my limit? Can these banks do whatever they want, because they can? I am now trying to find a way to refinance my house, pay them off and get rid of them forever!

I have had a checking, savings account and 2 credit cards with Bank of America for approximately 8 years. On the 2 credit cards my credit limit was previously 10,000.00 on one and 17,500.00 on the other one. The balance on the 2 cards combined was about 7500.00. The interest rate up until this year was a 9.24% on both.

This year they raised the interest rate on both cards to 24.9%, not only that they cut my credit line down on both cards to exactly what I had charged on the cards, which maxed them both out leaving me no available credit. If you do not know this fact, if you are over half the limit on your credit card your credit score goes down. My credit score is a little over 700 and I have not checked it since the took place. I was lucky enough to have someone lend me the money to pay the cards off with a 6% interest rate. Not everyone is that lucky however.

I think what Bank of America did to me and i am sure many other folks in these economic hardships that our whole country is going through is not much less than criminal. I WILL NEVER EVER EVER DO ANY KIND OF BUSINESS WITH BANK OF AMERICA AGAIN. I HAVE CLOSED ALL ACCOUNTS WITH THEM AND IT GAVE ME GREAT PLEASURE DOING SO.

I have been a loyal customer of bank of america for close to 15 years. My credit score is 700+, I own 2 buiding, and 4 condos, all of which are not delinquet or even late, 2 of which I bought 10+ years ago so you can imagine the equity I have. I make over 150k per year. So that sets the stage. I call bank of america to see if I can lower my credit card APR as I was going to carry a balance for a few months, as I had some unusually high payments this month.

Rather than help me they asked me about if I was in finanicial stress or if something was happening in my life. I said I was going through a divorce but that wasnt the issue, I just wanted to see if they could lower my APR or I would have to do a balance transfer...note that the balance on the credit card was $10k, and I had about $4k in the bank, my credit limit was 30k, I have not been late I have paid my balance in full every month for the last many years.

so what do they do, they iform me that I cant reduce my APR. okay it was worth a shot. well then they tell me that they have reduced my credit limit from 30k to 11k, I asked why. I didnt care they reduced it to 30k but I needed to pay for my car that was being fixed and that cost was $1.7k. They didnt care. I said, its fine your reduced it but at least leave enough so I dont have to go home and get another credit card before I have to pick up my car.

The guy didnt care, I called back again to speak with a supervisor, an hour later they told me that they would not budge and they also cancelled another credit card I had, that quite honestly I didnt even know I had, that had a 0 balance on it for the last 10 years. I mean if Bank of America advertises being a local bank that will work with their customers, then why after 15 years of excellent history I was treated like someone who was broke.

I will take money out of my equity line and pay off this card. I will use up the miles from it and close this account. I will never nor will any member of my family do business with Bank of America again. I will post this in as many places as I can. I work in sales and often have expenses that I need to pay for, I get reimbursed by my company for these expenses. I used the BofA card for the miles.

I am writing to complain about the practices of Bank of America. My husband had a stroke almost 4 years ago and during his recovery we accumulated some credit card debt. We were approached by Bank of America with the offer of a balance transfer for lower interest rate which we took. We both have good jobs and have not missed any payments. This July we did not received a bill and posted a late payments as soon as we realized we had missed the due date. Although we understand that we are ultimately responsible, we expected to pay a late fee and move on. Bank of America, however, had different intentions.

They raised our rate from 8.9% to 29.9% and last month we paid over $400.00 in interest fees alone. We received a letter from Bank of America letting us know that they would be offering us 3 options: Work with us to reduce our payment, Expand time of repayment, Debt consolidation. When we called them, they refused to lower our rate, and told us that the only option available was debt consolidation through their trusted debt consolidation agency. This would entail to close all our credit accounts, transfer our debt to their preferred debt consolidator and not be allowed to use any other credit.

In addition, Bank of America has reported us to Equifax making it impossible for us to transfer our debt to another account.

Had we stayed at 8.9%, we would have continued to pay our account without any problems, however, Bank of America has put our family in a situation of great hardship. So far we are paying their required high interest monthly payment and yet they still won't consider anything else. We refuse the debt consolidation because we consider transferring our debt to a company we no longer trust absurd - Bank of America is behaving like a loan shark and seeking monopoly over our situation. We have other credit cards and do not have any problems with them.

This happened a week before the new law was passed to protect consumers against such predatory behavior. Interesting enough, second time we called they had changed their greeting to: "If you did not received a bill, you still responsible for paying it on time" - by that I assume that we are not the only ones that did not receive a bill in the month of July. I truly believe we fell victims of a scam.

I made an over the phone payment because it was due that day. I had closed out the account to lock in the 4.9% interest. I received my statement and they put the $15 fee as a new charge and charging 11.24% interest everymonth. The complaint is that you are not advised of this over the phone when you make the payment. You are only advised of how much the fee is. This is very misleading. I would have never of done this. Is this common practice and legal?

Overlimit fee of $35.00 dollars added to credit card.

I have been using Bank of Americas Visa for several years as my primary credit card for purchases amounting to thousands of dollars. Recently I had a situation where I was charged for a service that I neither received nor benefitted from in any way shape or form. This was a clear case of wrongful charges and I had every hope that Bank of America will credit me for these charges. But I saw the chaotic and unfriendly way it treats its credit card holders. Bank of America blatantly refused to be reasonable and reverse the charges. It even refused to offer arbitration to resolve this dispute.

Here is my written complaint to Bank of America:

After all the necessary documents were sent, the broker told me that the loan was approved and that he needed to charge my credit card to do the appraisal to finish the formality required by the bank. This fee was part of the loan fee (my cost of $750) towards the re-finance and this appraisal was not a service that I needed for myself. This appraisal according to the broker was a requirement by the mortgage company and the charges were to be part of the loan fee. The service that I was seeking and was promised was the completion of the re-finance of my home. I would never have agreed to this appraisal if the loan was not going to materialize per the terms set in the good faith estimate provided by the broker. The broker had assured me that the loan was approved with rates locked. He even asked me to hold off payments to my current mortgage lender as I will be making payments to the new lender.

I have not only wasted a lot of time but also missed out on other opportunities of re-finance at low rates.

I am requesting Bank of America to stop payment of the $506.14, as this appraisal was not needed by me but required by the mortgage company and the broker. The service that I was promised was the re-finance of my home per the terms agreed by the broker. This service was never provided. No one will pay for an appraisal or any other fee, unless the loan is approved and brought to completion.

I have been getting Alaska Airlines Signature VISA offers in the mail for several years. This card is issued by BANK OF AMERICA. I wasn't interested until we decided to take a trip to HAwaii and thought it might be a good way to earn airmiles plus get the 20,000 bonus airmiles they tease you with. After about 31/2 weeks of "reviewing" my application, I got a VISA that is their lowest level card with a $500 credit limit. Oh yes, and NO BONUS AIRMILES included.....ticked me off and I immediately closed the account. We (both my husband and I) have very good credit---never a problem and always complimented on our score when we do have a credit check done for a purchase.

The same day, I logged on to my Bank of America VISA account to make a payment and happened to notice that I had $168 worth of credit available. It shocked me because I was certain we were not even close to maxing out the card. Upon looking further at my account I noticed my credit line was $4000. I seemed to remember it was much higher than that....looked it up on my past statements and confirmed that my credit limit had been $11,000. I received a letter in the mail that very day notifying me that they had reviewed my account and reduced the credit line taking this action because "you currently have sufficient debt considering your income".

WOW!

This after we have made payments ONTIME and more than the minimum amount owed. We have had car loans through this bank that we have paid off without any problems.

What really upset me is what this mustlook like on my credit report...at the time we were waiting for loan approval for a loan for our daughter's college tuition. I was almost physically sick thinking that some stupid, DIRTY action like this would prevent us from getting loan approval...but hey!! We DID get loan approval for $18,000--and they approved us in less than one day. Seems pretty odd when Bank of American thinks we are too dumb and poor to handle our credit.

Furthermore, they cut the credit limit just BARELY above the balance on the card (like others have mentioned) which I figure is their way forcing you over the limit (since you most likely are unaware of the change yet) so that they can reap the "over limit" fee too. NASTY NASTY NASTY! I, like others on this forum, will be closing my account at Bank of America ASAP. I am very very disgusted with Bank of America treating GOOD, LOYAL customers like they are.

I appreciate having a site like this where I can vent and also see that others are experiencing the same thing. Too bad there aren't enough of us that will pull out of BofA to hurt them....

As a result of the first problem, I thought that my statment would print on 08/20 and that I could make my payment on 08/19 as I was waiting for a paycheque so that I would have enough money to pay the bill. Instead, BoA printed the statement on the 18th and this resulted in my account going over its limit and a $39 charge. I discovered this on the 19th and called BoA immediately. I decided to go ahead and accept the $39 late charge and made the payment to bring my account back into good standing at 11:42am that morning after confirming with the agent that my interest wouldn't go up and that my account would become active again without any problems. Well, today, 08/22, I go to check bank statement only to discover that the money hadn't been withdrawn. I then check the BoA website to discover that the payment date was reset to the 09/14 - the bill due date - although I originally made certain that it was for 08/19. So, although I have been assured by an agent today that I won't be negatively impacted by any of this (except for the $39 charge), I now have to wait for the bill payment to go through on Monday (as this is a weekend and they don't accept payments on weekends) and for the next two bills to make sure that my interest will in fact no change.

When I spoke to a representative to see if there is anything they can do and maybe just charge me a late fee for being ONE DAY LATE. NOT helpful at all. I will be closing my account as soon as possible and will NEVER do ANY BUSINESS with Bank of AMERICA again!

I called in ( First-Bank ) regarding my Visa card to ask for a reduction in the interest rates (something like a heratship ? program ) the lady started asking many personal questions ( house payments, salaries, monthly expenses, schools, etc) to which I asked if my answers could harm me in any way and she responded NOT AT ALL, kept on asking more questions now about my husbands work, salary, etc and throughout the conversation and detailed questions I started feeling a bit uncomfortable and asked 2 MORE TIMES if all this info could be in any way negative to which AGAIN she answered NOT AT ALL.

When I responded to the three times I asked about the info I was giving she only said "sorry" can I help you with anything else???

I am writing to let people know exactly how I feel about Bank Of America and there services. I have never in my 43 yrs seen such dirty banking and will difinetly be contacting the Attorney Generals office as soon as possible. I can not believe that the law is allowing Bank of America to intentionally cause hardship on any household the way they did mine, and I intend to find out from the Attorney Generals office to make sure. I have never been late the entire time I have had this credit line.

I decide to start paying it off and all of sudden they blocked the line of credit with no warning whatsoever. Then they tell me that my property value has been re-evaluated at an amount I have not doubt is completely at their own choice. This bank is using this excuse to block peoples credit line without any warning at all.

Bank of America remove $5200.00 with no warning at all. They did not care that by doing this it has caused major hardship in my household. I just refuse to beleive that there is nothing we can do to avoid being put into a hardship situation by Banks that are using our money to stay afloat.

These banks are suppose to be helping people get on their feet, instead they have started focusing their time on taking money from the custumer using false appraisals to remove peoples equity line. I truely hate that banks have resorted to such dirty business and I hope that a class action lawsuit is in the making. They left us with less than $200.00 in our account. No warning and their appraisal is a fraud.

I have had a Bank of America for many years, with a fixed 9.9% interest rate (which is not bad). While I was once financially irresponsible (as a college student), I have since matured and been paying my bill on time for several years, and always about double the minimum payment. Last month I paid it one day late, and they immediately increased my rate to 25%. Two lengthy conversations with "senior" account consultants did nothing. They are like the mob. First they throw money at you, then they start breaking knuckles if you don't have it back on time. The punishment needs to fit the crime. a 150% interest rate hike for 1 one-day-late payment?

Earlier this year I used my BofA VISA for the first time (after carrying it for nearly 2 years w/out charging a thing.) My credit limit was $6200; I charged approximately $3000 via a balance transfer. Within a week I received a letter from BofA stating that my credit limit had been reduced to $3300. Angry, I paid the card in its entirety immediately and didn't touch it again until 2 days ago. Deciding to take advantage of a 1.9% balance transfer offer, I initiated a $2900 b/t online. Today, I received a call from BofA politely asking if I'd mind "updating" my information. (You can see this one coming, right?) After two minutes on hold, the rep came back on the line to tell me that my card was being cancelled. My credit rating this morning was 739; I'm dreading seeing the next update, but no doubt BofA has screwed me for the foreseeable future.

It makes no difference to them, but I stopped at a local branch this afternoon and closed my checking and money market accounts.

I have been a Bank of America customer for over 10 years. I have never had a late payment and have always paid at least %25 over the min. payment. I have never utilized more then 41% of my available credit. My credit score and history are both excellent as I have NEVER had a late payment on anything form revolving accounts to utility bills.

On 8/10/09 I inquired about a slight credit line increase. My credit line at that time was $40,000 and had been for over a year. The only reason I was inquiring about the increase was because I was planning on getting married in approx. a year and wanted to make sure that the credit was available IF needed. After applying for the increase online an automated message said that I would have to speak with someone over the phone. I concluded that this was due to the fact that I had reached the limit of what was appropriate for my income level and decided not to pursue the issues further. Well this is where Bank of America began to show their true colors and dishonest practices.

On 8/17/09 I recieved two letters from Bank of America. The first letter I opened mentioned my inquiry regarding the credit line increase and the reason is was denied. As I thought they felt that my credit line was sufficent related to my income, no big deal. Well the next letter I opened from them stated that they had reviewed my credit and decided to modify it to $17,000! I was outraged beyond belief.

When I contaced the number provided on the letter and spoke to the represenative I was informed that the change had been made due to the current market conditions. Are you kidding me? I asked if the market conditions had changed that dramatically in the last week? I asked how and why my credit line had been cut by almost 40% in a matter of a week with no warnig!

To make matters worse my balance at that time was $16,400 or 41% of my available credit it is now 96% of my available credit! This will most certainly decrease my credit score as it looks like I am now a huge risk. Further more they have put me withing $600 of my limit. This could have left me in a situation where I was not able to pay for a needed service and I would not have been aware of it until it was to late as I was NEVER notified of the decrease until after it had occured.

It is a shame that a company based in AMERICA with AMERICA in its name would put soemone who has done evrything right and by the rules in a situation where they are now not able to have a wedding!

Bank of America raised my interest rate to 30.24% because of late payments on my account. I was told that some of the fees would be waived if I agreed to let them debit my checking account. To this date,none of the excessive fees have been waived. The interest rate was dropped to 11.50%, and my account with Bank of America now shows as being current. This all happened in 2007, and I believe that I am paying the fees added to fees on this account.

Bank of America raised my interest rate to 30.24% because of late payments on my account. I was told that some of the fees would be waived if I agreed to let them debit my checking account. To this date,none of the excessive fees have been waived. The interest rate was dropped to 11.50%, and my account with Bank of America now shows as being current. This all happened in 2007, and I believe that I am paying the fees added to fees on this account.

This is the last straw!

I pay off these cards on time & almost every month.

To my knowledge, I have no other problems with my Amex, Discover, Chase Bank credit card accounts.

I will encourage others not to use Bank of America.

Unfair interest rate increase on a credit card causing undo hardship on me and my family. The increase is so high that I must go to collections to even talk to a reasonable person to resolve this problem.

I received a letter from BofA informing me they were raising my interest rate from 9.9% to 14.9% due to something contained in my credit report from Experian. I waited several months to see just what they were doing and requested a copy of my credit report from all three credit report agencies. Experian's report stated that I have high payments but not enough revolving credit. Huh? Looks like I'm damned if I do and damned if I don't. So I called BofA. What a mistake!!!

A long story cut short, after talking to numerous "credit specialists" and finally with "Helen" a vice president, the 14.99% interest rate stands and she offered to raise my credit to $20K from the $15K it had been reduced to from $30K. I have been a customer with them for 15 years! MBNA, who I started with, was bought out by BofA. My credit limit has been $30K for over six years. My income is the highest it has ever been ($81,504). I pay no taxes. My income is guaranteed until my death. I get cost of living increases every year. I pay $0 for health care, dental, eye care, and prescriptions. As of over a year ago, I have a single adult household, no children. I choose to make the payments I make. I was told they would have to see more agressive payments to show that I can handle a higher credit limit and don't end up with higher payments than I can afford. Put simply, after 15 years of being an outstanding customer, they feel they have to manage my credit for me.

I pointed out that if a company runs my credit report, they will see my highest balance of over $26K, with a credit limit of $20K. That will send a red flag to them that something is wrong and will hurt me in the short term and long term. They will not place any kind of note in my credit report explaining why.

made payment on my Visa Bass pro shop card account on 7/31/2009, the due date was 8/2/2009. received a late payment fee of 39.00 on 8/4/2009, i called 8/4/2008 and was told it takes several days for the payment to post to the account. ya, i paid it several days in advance. I called and asked to have the late charge removed. i got this answer; i was late on my payment and there is a late charge.

i told the girl that i would cancel the card if the late charge would not be removed, she told me soory your payment was late, i told her to cancel the card. i asked to speak to a supervisor and she told me i was talking with a supervisor, i asked her to give me and log number, she gave me 080409sr. 8/13/09 they sent an email that i now have a new bill with the late charge plus the interest charges for the time that they said was late.

what a rip off. i refuse to pay these charges. i will not use anything with Bank of America on it, it's a disgrace that they us the name America.

I just don't understand how they can keep raising your interest rates w/the way this economy is today. The banks are the reason we ended up in this situation. I spoke to a woman at their 1-800# on 8/11/09, she stated even though she works there, she will never get a BOA credit card because it is so unfair the way they treat their customers w/raising their int rates, for inactivity etc.

I have been a BofA Visa cardholder for many years. I never carry a balance; I pay the bill the day after I receive it in the mail. Recently, I got my July bill showing that I had not paid my June payment (substantial amount of money). There was a hefty late fee as well as a finance charge. I had paid my June bill the day after I received it, June 16.

I immediately called the customer service. I was told that the June payments were being held up at the lock box remittance center in Dallas TX and they had a special team investigating. Not to worry, I would receive a call in approx. two weeks to resolve the matter. I was assured that all finance charges and late charges would be removed from my payment record.

Almost another month has gone by, and I have not heard back from BofA. I called a third time and the woman on the other end apologized, stating they are still working on the problem, I wasn't the only person affected, everything would be removed, and when I said should I put a stop payment on the check and reissue it she said the processing center had apparently shredded the June payment checks. I was furious.

It is now mid-August and still no call or explanation from BofA. Very bad situation that affects people's credit and credit reports when it is the bank's fault. I am ready to cancel my card. Very bad service. I have since stopped using the card until such time this matter has been resolved. At this point, I have very little faith in BofA or its word.

For no unexplained reason, my monthly % went up to ca. 47% from ca. 14% last month. I always pay bills before they're due; had one late bill about 1 or 2 years ago or so (holiday). I stopped using the card. I've used credit cards since 1963.

Bank of America raised our interest rate from 5.9 to 10.9 with a 24k balance from a huge move....We have perfect credit scores,never late and now We can't afford the minimum due now nor the increase. We NEVER recieved an OPT out letter. They refuse to help us.

I think Band of America has become desperate and they want their customers to pay for their mistakes and their bonuses.

I am a authorized card holder on a B of A cc that started out at 0% and went to 7.9% after a 1 or two late payments. The payment due dates were changing around up to four days and some payments were late. SOme I was able to remove.

When I saw that the rate changed to 12.9% last month, i called on July 30th to inquire and to request that the due date be set all the time at the 1st of the month so the late payments would no longer occur. I also asked that they reduce the % rate back down to 7.99%. They refused and stated that the best they could do was 12.9% because of the late payments.

I just got the bill today and they have now raised the rate to 29.9%with NO NOTICE! I talked with 2 senior credit analysts, one whom was very rude and I hung up swearing at him I was so [upset]. They other just wants to argue with me about how the interest rate will stay at 29.9% even though I was told on July 30th it would stay at 12.9%.

A Payment of approx. $45 a month has now risen to $134. This is outragious. I cannot handle the financial impact of such an increase. Emotionally, I am already under severe stress due to lack of decent employment.

My wife has credit cards with BOA, maybe some with other banks. My wife has owned a Pizza Restuant for almost 6 years. Here business has been real slow for the last year. With this slow economy she fell behind in her credit card payments. The Bank card services contacted her and talked her into taking cash advances from my Home equidy-line of credit to the tune of $6800.00. This Home equidy-line of credit was opened to buy my wifes Pizza buiness.

My wife had been making payments on this loan until july when she missed her first payment. I assumed the payments on this loan by making a payment yesterday(8/7/09). BOA credit card services also made her set up big automatic payments to them that made it almost impossible to by product for her business, to pay her rent, pay her electric bill, pay her phone bill, she had to let her only employee go, etc.

I am a retire ferderal employee living on a fixed income. Now i pay on the Home equidy line-of-credit that totals about $540.00 a month. There is not enough money left in my income to support things like gas for the car, bridge tolls, etc.

I have always prided myself on my credit score. About 9 months or so ago I received a letter stating that my Bank of America visa interest rate of I believe it was 2.99% or 3.99% was going to be raised to about 13%. I called the bank and was told basically that because of all the foreclosures in the real estate industry that the bank had to make this money up so how. I told the very snitty rep that this was unfair why should I be penalized for people that could no longer make there house payments? She had no answer for this. I have a credit score of 790-which apparently means nothing anymore. The rep told me the only way to get a lower interest rate was if I closed my account. So I closed the account and the payments have quadrupled.

Last month I actually double the min. payment and the bill the following month only decreased by $2.00(yes two dollars). I called the Bank of America this past Monday and was transferred to Bob "Debt Stress Specialist". I explained to Bob that NYC has been in a recession since 9/11, my rent has gone $180.00 in the past 18 months or less, transit, groceries, my employer has cut my salary 5% and that they have had trouble within the last 4 months meeting the payroll. All I wanted was my payment of $255.00 per month lowered to $175.00 per month. Bob told me that there is a payment plan offered there designed to pay off everthing within 5 years but told me I had to call consumer counseling-who he conveniently had the phone number for first.

I advised him that I had read and had been told horror story after horror story regarding debt consolidation and consumer credit companies and that they were a big rip off and had decided I didn't want to go that route. I was willing to negotiate with the Bank myself, I did want to pay them and felt a slow pay on my credit was better than a bankruptcy for both of us. Again, Bob refused to help me advising me I had to call the consumer counseling company he was referring me to first. I asked him straight out is this company another Bank of America company and he stated no. I believe that it is or they are some how else intertwined to benefit each other.

The mishap started with a simple mistake they made by accidentally transferring $41.3 Million dollars from my brothers company card to my company card. Of course the amount was supposed to be $413 dollars. Well, a few days later to our surprise, we were informed by the bank that we owed $1943.99 in finance charges for the few days that $41.3 mil dollar amount was on our credit card, plus a $49 dollar late fee if we didnt make a payment in full, on or before our monthly due date.

Due to our failure/unwillingness to pay their $1943.99 finance charge within a couple of days, they decided to close our Small Business Account without notice, I guess in fear that we would go out and spend the $41.3 mil before they had a chance to rectify the problems on their end. A hold on our card would have been upsetting yet understandable, but closing our account completely? The problem continues to grow when we immediately request it to be reopened.

Acting on our request, Bank of America decided to run a credit check on both my brother and Isomething they say is routine procedure when opening a new account. New Account Are you kidding me? Come to find out, the affects of a poor economy and my lack of revenue during this time, resulted in lower credit scores compared to what I once had when we opened the business account 5 years ago. Upon their discovery, Bank of America has decided , even though our business has always been in good standing, that our company presents too much of a risk if we were to continue to have me as a shared guarantor on the account. Their suggestion is to re-apply for a business account and use my brother as the sole guarantor. Common sense tells us, the end result would be a smaller credit line at now a much higher interest rate. Not only has their mistake brought our business to a complete halt, making us lose some much needed business, but now theyre offering to do business with us againthis time making more money off of our business through higher interest rates? Now thats great service.

I decided I can't live with such a high interest and started borrowing money to lower my balance. After paying off $4500 of balance I got a letter from BoA that they had lowered my credit line to just over my remaining balance.

I couldn't understand why so I asked them. They said I owed too much money on other credit cards. I asked them if they're not interested in my business any more and they seemed surprised and told me that my card is in great standing and they sure are interested in my business. I then found out that they had again placed in inquiry with a credit bureau which further damaged my credit score. So I decided to stop having to deal with this company: I took out money from a savings account, paid it off and closed the account (when I wanted to close it they first told me that there was a fee for closing it; I was so irate that they agreed to "wave" it).

They rasised my interest rate from 7.90% to 12.90% said that they send opt out option that I didn't get and said I missed time frame to keep rate. They would not reduce to original rate. I have the card on autopay and have not been late. What a rip-off!!!

I have had a B of A visa card since 2000, they have jacked up my interest rate to 23.29% even though I have allways made my payments on time. When I called the "credit specialist" I talked to stated to me that "due to the high number of deliquencies the few would have to make up the losses & pay for the many" and that they could not lower my apr, when I told them that at this rate it would be harder for me to pay off this debt, he went a step further and said "In that case I am going to go ahead and close this account, you can no longer use this card" and proceeded to hang up on me. Sure enough the account is now closed, but my interest rate is still at 23.99%

I have had this card for about 3 or 4 years and never, never been late with them except this time as BofA would say. If there anything I can do as they sure won't. It sounds like the tax payers (us) helped them out and now they want more money from there loyal customers.

They arbitrarily closed my credit card account when my account is current, I have paid as agreed, and the account is in good standing.

Today i called Bank of America, because i received my statement and the interest rate is really high 27.89%. I told them that i would not be able to make the min. payment of 406.00 because only my husband works, and this payment is to high for us. so the person helping me said they might be able to help me, he said to tell them our income and then all of our bills and expenses to figure out a lower payment, so i did. the person helping me said they could not help me because after the monthly income and bills that we payed we still had some money left over so it should not be a problem to pay this amount every month. So i called my husband and he said to call Bank of America back, but this time to give them a lower amount of income, to see what they say so i did.

I eventually spoke to someone different and explained the situation to them, about the payment being to high, so the person asked me the dsme thing as the previously call, to give them our income and all expenses, this time i gave them a different amount, this time a lower montly income. this time they said they could not help me because my monthly income did not cover for all the expenses and they can give me a lower payment cause i may not have enought to pay for the loan. it just does not make sense. and they where also very rude.

I had previously been with Juniper Card when Bank of America took over. My rate had been 5.9% ever since I began using the card. My credit score is very good and after making a payment one day late once, I set up automatic deducts from my checking account so this would not happen again.

Like many others, I got a stealth reduction of my credit limit, on both my card and on my line of credit with them. I have never had a late payment, my income is more than 80K, and my FICO rating is in the high 780s. I happened to check online to make sure my payment had gone through and found that my credit limit on both had been reduced to just over the current balance. They could not even promise me that they wouldn't immediately reduce the limit again if I made another payment. Had I not happened to have checked, I would for sure have gone over my limit. This is how they treat people who have always been good customers and always paid on time?

Bank of America raised my interest rate from 8.99% to 14.99% for no apparent reason. According to Bank of America (Adam in the credit department), I missed the deadline of June 26, 2009 for rejecting this rate increase. I have a very good history on this account of making all payments on time, never exceeding my credit limit and not making any additional charges of any kind for at least 1.5 - 2 years. This indicates that all I'm trying to do is pay off this debt. Bank of America refuses to reduce my interest rate back to the 8.99% rate but have indicated, per Adam, that the rate could be negotiated down for me if I signed up for a credit counseling service. I am simply asking Bank of America to work with me directly and reduce my interest rate back to 8.99% so that I can continue to manage my monthly payment and can maintain my good credit status with them and they can continue to receive payments on time. This is clearly a win-win for both of us.

I contacted BOA because my interest rate went up without notice and they lowered my credit line. I had never (NEVER) been late on a payment. I did open a business and had a few more charges than normal but BOA doesn't want honest hard working people with their credit cards.

After I had held a Bank of America Visa, with a credit limit of $12,100.00, since 1987, today a female in their "Credit Department" closed my account and refused to discuss the reason. Although I earn $54,000/year, have a FICO score of 742, no lates on Experian, and pay a total of only $519 per month in loans and revolving charge accounts, B of A told me my debts made me "negative" in relation to my income. What??? This Visa has been attached to my B of A checking account for 22 years. Is this any way to retain loyal customers?!? Bye, Bye, B of A. Citibank, here I come!!

Bank of America has raised our interest rate from 9.99% fixed to a 14.99% variable. They say the they sent out a notice giving us the option to "opt-out" but I never received a notice. Now they are saying that I missed the grace period to "opt-out" and that there is nothing they can do.

Anyway, I was late on a couple payments 1 or 2 days and the next thing I know they bump my rate from single digits up to 26%. they told me that I would have to make ontime payments for 6 months and they would lower it back down.

I went from $300 a month to $700 a month payments. I am at the end of my 6 months and now they tell me that they will review it at the ennd of the month and if I am on time they will lower my rate anywhere from 2-10% so I am looking at dropping from 26% to 24% -16%. This is after they told me it would be back to 9% 6 months ago. I have moved this debt to the top of the pay off and close the account list.
I was without a paycheck for 10 months but never missed a payment, a customer since 2000 but they could care less.

I think the Government should let me choose my own charities and quit taking my money and giving it to ungrateful companies like Bank of America. The stimulus is costing me $400 a month in extra interest payments.

Instead tell me I need debt management!!!perhaps they should follow their own advice, bail themselves out for the bad finanical decisions they made, not the consumers.

Raised my rates on both cards. One is 26.24% other is 17% for no reason. Told me they could raise my business card rates without notifying me or giving me a chance to opt out and close the account. Lowered my available credit way down on both cards. I have no missed payments and was paying 2 to 3 times the payment on the one at 26% to get it paid off. Charged a $39 late fee on my last payment. I made a web payment on the 11th of July, payment was due on the 12th but they posted it on the 13th and charged a fee. Have the nerve to call me a valued customer.

I have never been late for a payment and they jumped my rate from 13% to 19%. They informed me when I called that they had notified me but if they did, it was in really fine print. Being that Im a business traveler, I dont get paper statements so would never have recieved it. I complained to them and got someone from India or Pakistan who just read a script to me. I think that this is totally unfair

I received a statement from my credit card associated with bank of america that multiple cash advances were taking place from the bank up to a thousand dollars, plus bank fees. It turns out that the bank was using the card for overdraft protection, (ok) but pulling out money from my checking account and putting it in my savings account then charging me the cash advance fees on it. I tried calling the credit card to figure out what was going on and the call was dropped 4 times over an hour and a half. I never reached anyone who could look at the situation. I finally went into the bank where Reubin explained to me that the bank has NO RESPONSIBILITY TO LET ME KNOW THERE ARE OVERDRAFTS OCCURRING ON MY ACCOUNT AND THAT IT IS MY JOB TO BE LOOKING AT MY ACCOUNT DAILY. I asked for the fees to be refunded because no one contacted me. They refused.

Same story as many others here. BOA doubled my CC rate to a rate in the 20s, and quadrupled my minimum payment to over $800. Quite a surprise to me. I called them to see what had happened, and they said in short they could do what they want because they had sent a notice back in December. I had not noticed it at the time. I asked how they could do that since I have never made a let payment with them and have great credit. I was only told "They hear that a lot". I guess there are a lot of angry BOA customers out there. If you are reading this, considering doing business with them STAY AWAY!!!!! I paid of and closed my account, and will never work with them again, in fact, I will make sure everyone I know understands the shady business they run. And to think my tax dollars are going to these clowns in a bailout!!

Several thousand dollars worth of charges appeared on my credit card bill in May of 2008. I immediately reported the card stolen and let Bank of America know. They originally reversed all the charges and then denied my fraud claim and added the charges back to my account. I asked Bank of America to send me receipts for all the charges they stated were made by me. They sent me one receipt which clearly did not have my signature. I explained the receipt did not contain my signature and then asked for receipts for the other charges. They ignored every letter and phone call I made. They refuse to do anything but add on late charges and interest charges to the balance in dispute. They have reported me to the credit agencies, destroying lowering my credit score drastically. They have also turned me over to a debt collectors who do not listen to my side of the story. I have copies of the numerous letters I have sent to Bank of America, the debt collectors, and the Credit Agencies disputing the charges.

With out any warning Band of America reduced my credit limit to $1000.00 from $5000.00 returned a check that I wrote to Wells Fargo for a Balance transfor for $218.00 and charged me a $39.00 returned check fee. This has caused a mark on my credit.

I noticed in my July credit card statement that the minimum payment had jumped significantly. As I reviewed the statement, I noticed that my interest rate had jumped from 13.24 to 24.24%. I called the customer service number on the card and was told that a letter went out regarding the increase and the option to "opt" out of it. Their representative realized by my questions that I had not seen the letter. When I explained that I have been a good customer, have not been delinquent on the account, I'd not made late payments and always paid more than the minimum requested, I was told that the best she could do was to drop it down to 23.24%. NOT GOOD ENOUGH. I currently work 2 jobs to make ends meet-this will most assurdely create a hardship for me. Again, I have been a good customer and see no reason for this increase other than greed. Absolutely obscene.

I have a Bank Of America BUSINESS CARD. I had a 9.99% interest rate. I have a balance around 10,000. I got a notice that they are raising my interest rate to 19.9% for no apparent reason. I have never been late on any payment to Bank Of America or anyone else. When I tried to reject this rate increase I was told that because it is a BUSINESS CARD that there is nothing I can do about it. Just accept it. If this card was a personal card then I could stop this but because it's a BUSINESS CARD there is nothing I can do. When I signed up for this card to use for my small business I started, I signed up personally.

I naively viewed a commercial involving a middle-aged woman who was forced to give up her job in order to care for her elderly mother. The woman talked about using a website, www.helpwithmycredit.org, which provided numbers for Bank of America and Citigroup credit card holders. She raved about how her lendors were so helpful and understanding. Being in the same situation as the woman in the commercial I found BoA's phone number and called.

After answering a stream of very invasive, person question I was told by my snot cs person my credit line would be "slashed in half." And my cash or credit available went from over $3,0000 to $101.00! God, only knows what my interest rate will be... the cs would not provide it for me. The reason for all of this was because I "do not have a monthly income at present" and that "federal guidelines mandate" that the only way BoA can drop interest rates is with a steady income?! If I had a steady income I would not have been calling. Keep in mind I have never missed a monthly payment and have been a cardmember in good standing since 2004. I feel brutalized!! The point of the call was to help me not put me further into debt.

BoA slashed my credit limit by 90% on my Bank of America Amex without warning. The card had a balance on it and the utilization went from 4% to 70% overnight.

What an obnoxious business practice: no chance for me to pay down the balance before the slash, no communication that it had happened so I didn't know the card wouldn't be available for purchases, etc.

I closed both credit cards and am in the process of closing checking and investment accounts with this knee-biter company.

Where do I go to get my tax dollars back so these clowns go under the way they deserve to?

I've got a balance transfer offer from AT&T Universal card. They gave me a rate 5.99% with no fee. I decided to make 2 balance transfers. Both of them are to Bank of America. One is for $4375.00 and the other one is for $700.00. Because starting this month my promotional offer with Bank of America will be expired and I took advantage of this offer to pay off 2 Bank of America cards with higher rates. I called Universal card on 07/11/2009 and made these 2 balance transfers. I didn't write down the representative's name but the manager Erica checked computer's records, and I was told the rep's name is Christina. This rep asked me if I am sure I want to make these transfers because after I said OK it is not possible to cancel it. I confirmed that I do need to make these transfers. And she told me that she can send me a direct check for a personal use as well. I said that I have to think about it. She suggested to call me herself and got my cell phone number. I asked her if it possible to call me after 6 p.m. and she said "Yes, sure".

She called me next day starting from the morning every 15 mins. I couldn't pick up a phone. And I still didn't decide if I need a direct check for a personal use. I don't want to have a big debt. I called this company next day to remove an authorized user from my account and nobody told me anything. They just offered me a direct check again for personal use. I still didn't make any decision and promised to call back. On 07.14.09 I checked my account on line, and noticed that these money are still available I didn't understand why and a called to Universal card. I was shocked when representative told me that my 2 balance transfers were cancelled?!!!! And nobody could tell me the reason why?!!!

On 07.16.09 I've a couple of calls from this company to my cell phone again. I called them back to find out what happened. I spoke to Yana. She didn't find any issue and just in case I asked her about the status of my balance transfers. What shock did I get when I was told they were cancelled????!!!! It is a mock of me!!!! I can't afford to pay high interest to Bank of America that's why I made these balance transfers. And now what? She connected me to her manager Erica. She confirmed that 2 balance transfers were cancelled. And she said they were cancelled by me! Isn't it a mock?!!! And she said there is nothing she can do. They can't reimburse me and the offer is already expired! She gave me some offer, which was not acceptable for me!!!! And she said that I have to deposit $7000.00 direct check, which was sent to me for personal use, and send it to Bank of America!

First of all, it will be too late. I would have to pay a lot of money for the interest for this month. And I dont understand why they decide for me what to do???! I was on a phone with her for a long time and finally she told me that she will try to refresh this expired offer and I have to call back in 2 days to make these balance transfers again(if this offer will be refreshed) .But it is like a circle. I am positive I will get the same things. I am so upset and disappointed with such kind of service!!!! Now I have no choice and I have to pay high interest to Bank of America, which I can't afford. And Universal Card refused to reimburse me. I think they cancelled my balance transfers in purpose because I didn't pick a phone when rep called me on my cell phone. Could you please help me to stop this abuse!

In the past year so B of A did two things up until this point in time... they Jacked up my interest rate on my B of A Visa card to over 29.9%, then they dropped my card limit from 8 thousand, to 1500... Last year I called them and asked them to lower my interest rate and the customer service rep at that time said no... He said to me make timely payments for the next 6 months then call us back and we MAY lower the interest rate.

So I paid the card off, called them back 6 months later and they still wouldn't reduce the rate... They said I had to be actively using the card for that period of time not just paid off and not use it. Ok so I kept the balance around ZERO occasionally using the card as needed over the past 8 or so months... My card expired in June... I never got a replacement.

My family and I are headed to Hawaii for a Vacation. Thinking I may need to use the card I thought I should ask for a replacement to when we travel. I called their customer svc line today (7/16/09) to have a replacement card sent out to me thinking I just missed in the mail somehow... Here's the hook, the rep grilled me about my other credit history, other cards, and other loans WITH bank of America. I don't have my Wife on my cards or my lines of credit, or my mortgage. Last year I took out a line of credit with B of A and that Rep told me not to put her on the application. Her credit wasn't as good as mine. My 20 thousand dollar credit line with B of A was approved for me alone.

1 year later... and because she isn't on my credit cards, or line of credit they canceled my card altogether. The Customer service rep said.. "sorry but we can't send you a new card, in fact because of your amount of credit line with us, and your individual income we are canceling the card effective immediately, and reducing your line of credit to what is now owed" I haven't defaulted on any cards, or loans with Bank of America nor have defaulted on any cards, loans, mortgages EVER. I have other cards with Chase and Discover that are still very valid... Bank of America just lost a 25 year long customer. I waited on hold, and spoke with a (so called Customer service rep) woman who just turned around and dumped on me as a customer. This really kind of ****** me off.

JANUARY 24TH, 2008, A C/S rep called our home to thank us 4 using website to chng password and ask if all went well. Then asked if we'd like to take advntge of 1.99% transfer'd balance interest rate. I asked if there would be a "transfer fee" and was told, "NO", which I repeated to my mother. When it was time to make the 1st payment, near the 23rd of the month, I went to online banking for my mother - I am caregiver for my 90 yr old, blind and sickly mother as well as Durable POA holder - and to my surprise the payment was late, there WAS a $90 transfer charge, a $39 late fee and that began a 1 1/2 yr attempt to right the wrongs on my mother's behalf, to no avail would be putting it mildly and with very, very negative results to say the very least. I paid off her account in November, leaving a balance for the erroneous charges. I wrote a separate letter explaining in great detail for what and why. I got a computer-generated response to that letter, in no way dealing with anything that had been in my letter.

Since November, Bk of America has charged my mother a late fee, and, oh, I forgot to include here that they changed the interest rate on the account by the SECOND statement to 15.99% interest as well due to the first payment being late (also, mom's due date has been around the 23rd of the month of both her credit cards, for years and they changed it and wrote in in miniscule print in the body of the statement they sent her which she could not read even if she had known to read it which was devious),anyway, I have written numerous letters and sent them snail mail and have received two letters from someone living somewhere that were not even in control of the English language/grammer; I have made numerous telephone calls trying to resolve this; I have sent as many emails.

No one will admit to Bank of America being in the wrong, even though there were two of us talking to the original lady C/S rep back in 2008 when we unwittingly got duped into the transfer in the first place and the last young man I spoke with, named Jason, who could actually speak proper English, had me hold for quite a while during which time he said he would ask if all the erroneous charges could be removed when he came back on relayed to me that his superior simply stated we should have returned the money in the beginning if we didn't like being charged the $90 "transfer fee", so they could have refunded it!!! I tried to point out to "Jason" that by the time either of us knew it had been charged, there was, by then, also a $39 late fee charged and her interest had been changed to 15.99% and charges had been added to her balance for that increase!!!

There is a $531 balance now.....and contrary to their last email to us that it had to be paid by July 1 or the account would be "charged off" and no more communication could be made. Since July 6th, mom has gotten a call a day from a Collection Agency and even though I have told them, politely, what was said in that last email from Bank of America, they will not stop calling. I really think we need a lawyer but maybe a class action - type suit could or should be started against them because there are probably more seniors out there getting the shaft like this. Can you help? It is really upsetting us both. And mom gets Soc Sec and I get paid by the State of California to care for her, so our money is precious. And we can't get stimulus money like these big banks do...,.

I have always paid the revolving balance higher than the minimum by a margin of at least 100%. Upon receiving my July statement, the interest rate had not been changed and as a result, the minimum payment fell slightly above the amount I typically paid. A late fee was charged and the periodic finance charge has doubled.

I called BOA and spoke to three individuals, each one higher in authority than the other. They insisted that no record was present that reflected my rejection of the interest rate, nor had any operator logged the call. I explained my conversation and even though they agreed that it sounded as if I had indeed received the correct information, no record existed to substantiate my case. A concession was made to increase the rate to 14.99%, giving me the "benefit of the doubt".

My situation is not the only one, as a simple internet search will reveal. BOA has acted at the expense of its customers, charging interest rates several hundred times beyond prime rates. To reap such profits it is all to convenient to simply dismiss the situation by "lack of records", and act in a way that any reasonable person would deem malicious, fraudulent and sinister. Thousands of people have felt this fraud first hand, I am one. I have been a BOA customer for several years, never behind in a payment and have managed my credit with their bank well. Please research this ever growing issue as it totally defeats the administrations efforts to check credit card interest hikes and the cardholders' ability to pay.

I was solicited by Bank of America at Yankee Stadium to open a Yankees VISA acct and received a free t-shirt. Two weeks later I discovered that my information had been used to open a VIA account with Old Navy, and gift certificates were purchased. I was not held liable for the charges; however, I have had to make dozens of calls, write dozens of letters, put alerts on my credit report, and much more.

The Bank of America and Yankee Stadium will not give me the name of the man who took my info - I wished to press charges against him. The police will not help, or even respond, to me. The Bank of America said they never received my application (of course, it was stolen by their rep)and they do not have a firm connection between them and the theft. A female employee of Old Navy was arrested for opening the fraudulent account, but she is not the person who took the info from me, she was not at the Stadium. The arresting officer informed me that there were two other complaints about identity theft at Yankee Stadium on that day. Unfortunately, she will not return my calls and neither will the officer with whom I filed my police report. I wish to press charges against the Bank of America, it's rep who stole my info, and Yankee Stadium.

I am a credit card holder with the Bank of America. I have several cards with them, including a DAN/MBNA card. The interest rate on this card was recently raised from 9.99 to 14.99. When I called and asked why they advised me it had nothing to do with my credit rating or payment history but was an economic move. When I pointed out that at 9.99 they where making 200% over prime I was told there was nothing they could do about it and I should Blame the President. It seems that the new laws have only encouraged banks and credit cards to find new ways to treat customers in an arbitrary and unfair manner.

BOA reduced my line of credit before notifiying me so when they reduced my credit limit by more than $4,000; I happen to use the card that weekend, so on Monday, I was over the credit limit, so they charged me a fee and then reported the negative information that I was over my credit limit to the credit bureau. About 3 days later, I got the letter they had reduced my credit limit because of something negative on my credit report (old medical bill for 150.00 that was under dispute). I have a over 700 credit rating. I can't believe they did this without notifying me and then charge me a fee and then sent the negative information to the credit bureau. I then used money in my savings account to payoff the card and cut it up and closed the account. I can't believe with this day and time, they do this to people and then put those bogus ads on TV that they are here to help people.....BS

OUtrageous fees increased by interest on my credit card to 30% will not lower it. Increased fees on all aspects of banking, Would not credit insufficient fund fees even though it was another banks fault that completely credited me and stated they would conference in the branch manager to explain the situation. Bank of americas customer service is so poor they don't want any feedback since they do not have any departments for customer complaints.

The bank claims they sent me a "just say no" opt out of rate increase in April changing my credit card % from 12.99 to 27.99 and that the deadline to respond was 7/5/09. My position is I was not served with the alleged letter nor did they serve it certified mail return receipt. Todays date is (5) business days after their suposed deadline yet they have been charging me teh higher rate since May 12, 2009.

As someone else stated, after close to 10 years of being a faithful on-time paying customer, the bank has decided to change my fixed 9.99 rate to variable. I was promised that this rate would stay fixed for the life of the loan years ago. What I'm angry about is that they will not allow me to reject this change since as of this statement billing cycle no rate change has occurred. Now talk about dirty tricks.

The customer service reps were ridiculously rude--"well you can just pay off the whole debt today and reject the change." What kind of insensitive and ridiculous statement is that when you owe thousands as a middle-classer?

I will pay off BOA by the grace of God. It will be quick.

Just remember BOA that Karma is real-- when you do wrong by good people you are leaving yourself open to a sludge of karmic retribution.

My 3 year old son receive a credit card from Bank of America. The credit card offer was as result of his Alaska Airline Mileage membership, however, his mileage plan information clearly indicates his birth year as 2005. So who really is to blame here, Bank of America for issuing the card or Alaska Airline for sharing information of an underage mileage plan holder. I will be contacting AA and inquiry on how this happened and why this happened!

my movement in advance so they don't block my C.card ACC.).

When I returned back I called BOA more than 10 times to dispute the charges.
Some of the charges were fully waived,
while only $413.74 of $1037.00 they took from me as business card security fee was refunded back.
Now BOA is refusing to refund back the remaining $623.26.
When asked to provide written or verbal evidence for my consent, they only say that they have sent me offer later about the service which I have never received.

How can they do this type of harm on unsuspecting and loyal customer?

I received a letter from Bank of America stating that as of August 2009 they are changing my APR from a fixed 5.90 rate to a variable rate based on the US Prime Rates. This means that the rates I have worked hard for by being financially responsible is being changed and raised due to no fault of my own. This is an unfair practice and I have been customer of theirs since 2004 and a owner of this card since before 2002. Their have been a few bank takeovers.

This is my 2nd complaint on BOA, they just can't get my account APR right. I accepted an offer that they changed on me without my approval and now the interest rate on my account is wrong. I have left many messages for Daphne and all I get is her voice mail This is the worst company that I have dealt with in my life.

My credit card bill was due on 7-1-09. I sat at my computer to pay my bills on 7-1-09. When I went to pay the Bank of America credit card bill, the site would not allow me to put 7-1-09 as the pay date. I could only put 7-2-09 because they had apparently a cut-off time to pay the bill. I never read or heard of such a cut-off time prior to this. Because their computer would not allow me to put 7-1-09 as the pay date, I was charged a late fee of $39.00 and they increased my APR from 0.0% to 12.99%. This more than doubled my bill. I continue to work, eventhough,I am disabled. I am considering going on long term disability, because I qualify and if Bank of America wants to treat me this way, and make it to where I can't afford their bill, then I will be better off going on disabilty. By being on disability, I won't be able to pay them and they would not be able to garnish my wages.

The second was last September and was 4 days late and now this is the third. In the end, Bank of America offered no assistance other than for me to stop payment on my check and mail another and live with the outlandish rate increase for 6 months. I sympathize with all the hard working Americans that take pride in paying thier bills and fall into similar situations. Thought! what if this bank and others like them are hiding customer payments to generate enormous profits. How can this be governed, being that these payments are sent by USPS?

I called and was sent to the helps dept, where I was told that in order to get help, I had to closed all BOA accounts, even the ones not in trouble, and have the negativel info reflected on my credit report. And then they will check and see if I qualify for help. I told them I wanted to work with them, but they told me to in so many words to find the money to pay it or face the consequence. If they are going treat good customers like that, what would be my initiative to pay them? I mean, either way, I lose with them.

I obtained a credit line from Bank of America 8/2008 for 26.5K for debt consolidation. I have paid my account on time with the exception of a one day delay for the online payment to process. I was told when I opened the account that I could have my interest rate lowered after 3-6months of good payment history in which I have had repeatedly. Each time I called to ask they have declined me for the lower interest rate just because- no reasons.

On July 3rd I received a letter from Bank of America stating my credit line was decreased due to "serious delinquency" on my account with them. I have never had a serious delinquency issue so I called them to get clarification The first rep stated that the letter was wrong and it was because of a 2005 medical bill that was paid in full over 2yrs ago-keep in mind my loan was opened in 2008! I received the runaround from the rep that stated I had bad credit because of this $185 2005 medical bill- she stated I could have another letter sent that was revised. I requested to speak with a manager, a manager called me back and stated I received the credit line decrease because of having a new credit account with another bank- keep in mind my letter states "serious delinquency". I questioned their actions as they have no idea what my income is and I have been an excellent customer- I pay on time and have excellent credit per all three bureaus.

Bank of America is taking advantage of me and quoting false information about me, my credit and my account with them. At the end of the conversation the manager stated I was in good standings with them which doens't make sense considering the letter I had just received. It was like they were making stuff up as the conversation went- they were rude, disrespectful to me and extremely unprofessional. How does a small consumer like me fight Bank of America?

I called in on June 29th to pay off a $2600.00 balance. The clerk took $26,000.00 (twenty six thousand) from my account. I covered the overdraft, called for a refund. They were going to refund me net of the pay off ... they didn't know that could NOT be done, and sat on the money again until I called once again - after the holiday, a week later. They said it would take another 3 days to get my money to me. They didn't even bother to call me to tell me of their many errors.

I have 6 accounts with them and they have raised the rates to 39.9%. I called and said I want to pay off my accounts, but unless we can lower the rates a bit to do that, I will have to file a bankruptcy.

Bank of America represented said "have a nice day" and then hung up the phone on me.

Once again, this predatory lender is attempting to change the terms and conditions on credit card account I closed in October, 2007, when they attempted to double my interest rate at that time.

My account was closed at a fixed rate of 9.9%, which I have paid more than minimum each month. Now BOA wants to change to a variable rate of prime plus 6.65%, another slap in my face for being a good customer.

Congess has merely provided the fuel for these rip-off companies to steal more money from the consumers on whom they depend to survive, while the banks whine & complain about the new rules that don't go into effect for another year will hurt their bottom line. Amazingly, these new rules go into effect immediately, even after stating to Congress that one year isn't enough time to comply with new regulations being imposed.

I've been rate jacked! I paid my credit card online and the 2 day delay with their online payment system reflected that my payment was late. I called and asked what my options were after my payment increased to over $500 per month due to an interest rate of over 20% - nothing they can do. I can close my account and they would report that on my credit report and ruin my credit. So...two days equals either pay an interest rate of over %20 percent or ruin my credit.

No other options they can offer. This is the worst customer service I've ever had! They obviously do not care about their customers - only their bottom line. I've asked for a supervisor to return my call twice, to no avail. I've called 7 times in the past two weeks and each time I've asked for a supervisor or a complaints department. I'm either hung up on or told that someone will cal me back - which never happens.

I have not been late on a payment since July of 2008. In July of 2008 they gave me less than 11 days to pay my monthly bill. They said short notice because of the holiday. I was a day late, they jacked my interest rate to 25.25 % This feels alot like preditory lending. I called Bank of America to try to work out a better interest rate. They wouldn't budge. I'm sorry I ever did business with this company.

I transferred my balance 2 years ago of approximately $23,000 to Bank of America Mastercard. The main driving force was that I was transferring that high balance to a FIXED RATE of 9.99%. Today I received a letter from Bofa stating that there had been amendments to my credit card agreement and as of August 09 it will become variable. There is no option to opt out nor close to account to keep the rate. The rate will increase with the prime rate (it is absolute certainty since rates cannot go any lower.) This has been deception at its best by Bank of America. They have stooped to a whole new level of low modifying the agreement

Upped my interest percentage from 6% to 12.66 with no incidents on my card platinum since 1988. Their excuse was money is costing more which is outrageous. I was able to freeze the account and get another card at 15.66 with Bank of Amercia but I won't use the card unless its an emergency. The tax payer bails them out and now their punching our tickets. Awful Policy!

Yet another experience with Bank of America after I agreed to pay the $16K balance in full. The check was mailed in due time to be posted to my account. However, it took them 6 DAYS to post it all the while I am being charged interest on the balance. When I called them to get them to remove the interest fees, they refused siting to give them 7 to 10 days to post to the account. Seems perpetual finance charging to me! How can you ever pay them off if they keep charging you when you DO PAY THEM OFF!!

I have had my Bank of America card for about 4 years. Originally, it was owned by MBNA but BofA bought them out and that's when the trouble started. I carried a high balance on the account for several years while I was in school and my interest rate was around 14%. I never had a single late payment. About 6 months ago I paid the balance in full, in cash.

A few months after that I was informed that my interest rate was going to go to 22.99%. At that point I decided I would just keep the card for emergencies. My credit score has recently hit the mid-700s and I have less outstanding credit now than ever. Last week, I received a letter in the mail stating that my account was going to be closed due to a high amount of debt to other creditors. I thought this was odd because I currently have about 80% less outstanding debt than I had when I was carrying a higher balance on the card. I also now have a mortgage, which we were told by several financiers would help our credit.

The other credit card companies I deal with told me I was a great customer with great credit. When I called in I spoke with someone named 'Chad'. He was very rude and first asked me how I paid off my high balance. I told him in cash so then he said 'Well, you have a history of making the minimum payment' to which I rebutted with the fact that I'd always paid on time. I then told him how my other credit companies said I had great credit and my score had never been better and I told him I suspected they were closing my account because I had not charged in 6 months and they were making no money on interest with me. He was silent. I then asked him if this would negatively affect my credit score and he said 'maybe' because it will show up as 'credit closed by granter'. I asked to speak to a supervisor and he refused several times. He also told me BofA could do whatever they wanted because it was their credit and I basically have to deal with it. I am very angry about this and am looking to go to the next level with this problem.

Bank of America has been changing my fixed rate on my credit cards I have with them to Variable. When I called, they told to accept it or cancel the card keeping the fixed rate, but I won't be allowed to use the card. As a customer, who has never been late, paid online, and with a credit score which is outstanding, I asked how can you do this? Well, the economic time have changed is the answer I got. So, I should be penalized for you stupid lending practices, and as a receiver of my tax money, I should be screwed the third time. Now, just this past weekend, I got a notice that they are doing it on another of their credit cards. BOA is forcing the best customer, who they should keep into leaving and never coming back.

I did a balance transfer with my credit union for the full pay off amount of $11,814.07 on my Bank of Amercia Visa . I verified this amount online. Then i receive and email days later and a statement days after that stating I had a balance of $158.20 in finance charges.

When I called credit card customer service they told me the full pay off amount refelcted online is estimated and does not include any finance charges. They were not at all willing to work toward a mutual resolve. Then why is that the information the card holder is given as the full pay off amount? I think that is deceptive and not at all fair to the card holder.

bank of america has raised my apr to 25% from 9% with no cause, i have always paid on time and have been a good customer, i opted out, witch means my acount has been closed and will stay at 9% as long as i dont use the card, this was a high limit card with a balance of 5000.00 they then lowered my limit to just 200.00 above the balance owed on this card and one other nbank of america card i own. i have never been late on this account either. they gave me no notice of these actions and i could have easily gone over my limit by makeing one 200.00 purchase.

That's BS, as I have recently had another card lower my rate without me even asking. Even paying online they deliberately will not accept the payment for about two days,unlike others who will actually post the payment same day. That BOA gets more late payments or they charge you for an "expedited" payment. BOA historically had a good reputation but not any more. They have joined the ranks of predatory lendors and I can't wait until I can get them paid off

I have a credit card with Bank of America, with a APR of 13.99 percent. Now Bank of Americax has raised this to * 27.99 * percent how thay can raise the rate over 100% I never had a late paymnet or anything they just raised the rate!!

I have been a Bank of America customer for over 10 years with 2 credit cards I have never paid late or paid the minimum and maintained a credit to debt ration of about 28%. I have a credit score of over 800 a week ago I was notified that they were cutting my credit limit to just abbout what I owe which obviously hurts my credit score. This outfit should be run out of business for the way they treat their customers........these are the same sorry a_____holes that begged for taxpayer money a few months ago then did this

I am leaving BofA and finding a bank that does not punish you for being a good customer. What a crazy way of doing business. punish those who are faithful and make you money. No wonder our economy is where its at.

I have been a Bank of America credit card customer for more than a few years. I always pay on time , never been late and usually pay more than the minimum required. My interest rate until the present was 7.9%.

In early april I received a letter from Bank of America stating that in a few weeks my interest rate was going to 16.9%!!! Naturally I was upset and called them on April 5th, 2009. After I had explained the problem to the representative she told me she was transfering me to the credit department. I spoke to a gentleman named Greg Lee located in Phoenix, Arizona. I asked him if I didn't use my card that much would it be possible to continue my present APR. He told me that if I agreed to a decrease in my credit line from 27,000 to 17,700 I would remain at the 7.9% rate. This seemed reasonable so I consented.

On April 13th a letter arrived from BOA confirming the reduction in the credit line. It also stated "Please be assured that you may continue to use your account within the new credit line". That is all it said.

On June 22nd my BOA statement came in the mail with an APR of 16.2%!!! When I called BOA credit dept. I was told that Greg Lee mentioned in his "notes" that if I used the card at all the rate would go to 16%!!! This is an out and out lie! He never discussed that with me and I never agreed to it. In addition, the 4/13 letter never revealed that either. All our conversations are supposedly recorded - where is the recording of my conversation with Greg Lee in which he told me that one use of the card would increase my rate?! I used the card once in the may statement ( to keep the card active, I thought!) for about $20.00 and once in the June statement (approx. $30!). Do you think I would have risked them raising my APR for a lousy $20 purchase?!

This is an out and out scam as despicable as identity theft or any other fraudulent scheme!

I recieved a letter from Bank of America informing me that my credit limit has reduced due to late payments made to other creditors. I have not had any late payments for three years. NO LATE PAYMENTS in three years, yet they decide to reduce my limit.

I am being punished for past problems. I have resolved those problems and feel I am a good customer. As they lower my credit limit, my credit score goes down. This adversly affects my insurance premiums, credit offerings, and possibly even what my other credit card issuers will do to me.

I had a balalnce of $253.64 in May for my Bank of America credit card. In May, I paid off the balance in full and on time. Now this June, I just recieved a statement with $1.50 balance. This $1.50 is from a finance charge from the creidt card company. I called to have the charge removed. I asked the person on the phone why they were charging me $1.50 , when I had already paid the balance off in full the month before. The person on the phone told me that "I should have called to get a pay off balnce in May , so I could have included the $1.50 in my check in addition to my $253.64 i had sent in."

No where on my statement does it state that I should inquire about a pay off balance or that the balance Total shown might be different from the amount actually owed.

I of course opted out of this change, but can now not use the card. Fine by me, I will never use Bank of America again.

I am a customer at Bank of America for over 6 years. The intent of this letter to dispute late fees on my credit card account. January 2008, I was activated to Iraq while in the Marine Corps, before leaving I chose to continue to make payments on my credit card and have the payments automatically deducted from my checking account. I was told by customer service over the phone that I could choose a Bank of America in my area to set this up, at the time I was in North Carolina so I chose the branch located at Country Club Road Jacksonville, NC 28546. I was told by an associate that he could do this for me and proceeded to set up bill payment. He chose a date to make the payment, assuring me that I would not have to worry about making any payment as they would be made for me.

I had little access to internet and phone for nearly ten months and upon returning from Iraq I found that the payments being made were not being placed on the proper days. I was being charged a $35 fee every month only a few days before the payment of $80 was being paid on the same day every month. I never received a single email, letter, or call letting me know that I was paying nearly half of the payments toward late fees.

I proceeded to spend hours being bounced back and forth between customer service departments while trying to resolve my problem, I was assured that under the circumstances I would have no problem receiving the money back for the accumulated late fees. I was told that I then needed to go into a local Bank of America branch and ask a manager to call customer service I went into the branch in Oakland Ca, On McArthur Ave. Where an associate there proceeded to call the customer service department, at this time both the associate with me and the two associates she spoke with over the phone assured me that this was obviously an error made by an associate with Bank Of America and since I was a longtime valued customer that I would get the late fees reversed.

The associate reported to me after being on hold sitting with the associate for over an hour long that there was nothing they could do to reverse my fees because they told her It was my responsibility to keep an eye on my account. I find it appalling that this has happened and I am sure that this can be resolved very easily. $350 and 2 days wages

Oakland, CA 94601

#1 - I received in the mail that my credit card interest rate was being raised for no reason. I always pay on time, more than the minimum, and have a credit score just shy of 800. I sure hope they appreciate our tax dollars for their screw ups as well as bending their good customers over with higher interest rates.

#2 - I applied for a mortgage and prequalification. My loan officer is in VA, my processor in MO, and my underwriter in CA. Not a single one of them can make a decision on the loan and have cost me two extentions on my home contract. They hired an inexperienced appraiser who wrote several inaccuracies in the report and when I asked for a new qualified one, they wouldn't accept another one or let me have another appraiser.

Let's just say that Bank of America has cost me lots of time and money all because we refuse to put a new $5 shower head on the shower in the home. They are going to deny a loan based on that even though the home met the appraisal value. No one can make a decision as to what has to be done. I ask to talk to a manager ever time I get on the phone, and not once have I been transferred to one. I'm ready to close all my accounts with them and deal with a local bank who can give me answers. Too big to fail? I say too many liers and cheats to deserve our tax dollar bail outs.

I have my (formerly MBNA) credit card with Bank of America set up for AutoPay (via CheckFree) via the BofA website. The payment due on Feb 9th 2009 (a Monday) was not credited by the BofA/CheckFree - AutoPay system until Feb 10th. For this error, over which I had no control, BofA charged my account $39 - AND cancelled a preferential interest rate on a transferred balance which (coincidentally?) was activated by BofA on the same date- Feb 9th.

The facility to query the payment on the BofA/CheckFree AutoPay website is not as described on their 'Help' test - there is no'Query this Payment' button. I have queried the payment via BofA customer service but have receive standard texts in response outlining the rules for prompt payment (a pity these are not programmed into CheckFree's AutoPay!) and have received no satisfaction or compensation.

$39 late payment charge. Interest charged at 14.99% instead of 1.99% on transferred balance of $4000.00 from Feb 9 2009 to June 16 2009, when entire credit card balance was paid off.

In May I noticed my bill was due on May 5th-I called as soon as I received my bill to see if I could delay by one day. Most of the months the bill is due 6-8th of month. I was told, they couldn't delay the day but give me a Bank Holiday-meaning I could skip paying for the month.

I pay the minimum prior to the 5th, and paid the balance off on the 6th.

I call in June after finding I had been dinged for finance charge, and also noticed fixed rate had gone from 7.9 to 12.9%

I am furious about the rate increase because I have always paid on time, and the last year and a half have paid the balance off each and every month.

I have a credit line of over $35,000 and have a FICO score just shy of 800. Both husband and myself are employed. Why do they want to get rid of us? We charge over $30,000 a year--don't they want the vendor business?

The rep couldn't do anything but allow me to opt out, which I did because I was FURIOUS.

Bank of America does not deserve our tax money bailout.

And their 24/7 customer service--doesn't seem to be working tonight!

CONGRATULATIONS, your account has been upgraded. I DO NOT WANT to bank with Bank of America. Their is NO return address.Only a phone number to activate the card that I cut up. I want them out of my life. No More Credit Cards.

The representative asked me to hold. When she returned she stated that my credit limit was also going to be decreased substantially. In addition, my monthly statements for my Bank of America accounts have been arriving with approximately a 4 day due date turn around. Less than a week. Once again, they are bullying their customers into using their automatic payment options. I do use this option with some companies, but only with companies I trust!

In 2006 we were issued a BOA business credit card and a personal credit card when we opened our business and personal bank accounts. We used those credit cards while building our business and building our life in Las Vegas. Over one year ago I requested to pay those cards off, and asked BOA to give me a line of credit to spread those payments out and close the accounts. They acknowledged they could not pay off the credit cards or lower interest rates, and provided me with two lines of credit instead of one with the same interest rates as my credit cards. I put them away and forgot about them. I lost my job the end of last year and started using those lines of credit to keep paying my 2 credit card bills, which totaled $1000 a month together as well as my other responsibilities. I always hoped I would find a job and get caught back up.

Here it is June and I only have a part time job to speak of and making $9 an hour at that. I stopped in March using the lines of credit and contacted BOA of my situation and that I had not where to go for money and that I would not be making those high credit card payments. They did finally offer to cut the interest rates, which would be wonderful if I had enough money to cover those payments. My minimum payment on all 4 credit obligations were close to $2000 a month, and their negotiation was to cut that to approximately $1,400 a month. I again told them I had no funds to make that size payment. I asked them if they would combine the 4 accounts into one loan and spread it out over 5 - 10 years with a small interest, they said they could not do a $55,000 loan.

I awoke to my email telling me I had a low threshold in my business checking account. When I looked I had $75, and wondered what came through. I spotted a debit I didn't recognize and thought oh no someone has comprimised my debit card and was taking money. I called BOA to inquire and they told me their business credit card division took $1012. from my business account without my permission. I was told by the customer service rep that if I talked to the business division and explain my hardship they could and may replace some if not all of that money. He transfered me to hell! I received the rudest group of ladies with absolutely no soul or heart.

I explained my situation, and asked to please explain how they could do that without my permission and was told they could it was in my "Agreement" and I should read that. I again asked please reconsider this, I have spoke with a representative every week and you all have noted on my account my situation. Her explaination to me was too bad! I asked her to be in my shoes and imagine what this has done and she said she did not open the card and said she would be making those payments. I pleaded and begged even crying throughout telling her BOA was sending me into a tail spin out of control and that I needed that money. Her answer to me was she left me with enough money in my personal account to live on, and I should be lucky they didn't take it all as I owed $3,000 to them and they had every right to take all. She also told me with the new laws the credit card companies were rewriting their agreements to take advantage of all their opportunities before the law changed.

So I had $1800 in my personal account and $75 in my business account and she told me that should cover my expenses for the month. I asked her how she knew what my expenses were. I used the F word in my sentance and she hung up saying I was being disrepectful. I called back again and got another lady with the same stories, no sympathy and pretty much the same thing in is in my "Agreement" read it they can do anything they want. I immediately went to my local branch and in desparation as they were not open started drawing as much money as I could from the ATM and once the bank opened I went inside and closed all my accounts.

The customer service girl was just as amazed when I told her the story and I was she did not know they could do that either. My husband also stopped in and talked to the branch manager and he made a call to find out if the story we were telling was true and he also could not believe what he was hearing, that they could take peoples money at they will and from what he found out any account they wanted to even our personal checking, any savings, etc. I didn't have $10,000, I only had $1,800 in one account and $1,082 in the other, not a fortune! I had a call later today from the personal credit card division and I told her of my wake up call from BOA, and she said that they were not allowed to do that how could the business card division get away with that. She said she was going to ask her manager to look into it and would get back with me. She said she would see what they could do to get some if not all the money refunded.

Needless to say I did not hear from her. A month or so ago we had looked into filing bankruptcy but were holding that as our last option; however after today I now know we have no option but to file bankruptcy. I think less people would file if more credit cards and/or banks would work with us. We have always paid our bills, never filed a bankruptcy, had good credit until the job loss. I have gone through all my savings and then some to stay a float. I am not a low life, some would say I shouldn't have used the cards and lines of credit probably not and yes I do owe them. I would prefer to pay them if I could, but no one seems to want to work with us on it. It is easier to file bankruptcy, and the lawyers sure push you to do it!

Yesterday I called Bank of America to get an increase on my wife's credit card account for convenience purposes. We normally pay off this account on a monthly basis. I was called by a Bank of America representative who asked me questions about my income as well as my wife's then denied the increase. The next day I told my wife to use my credit card instead. She was embarrased at the register of the grocery store when the card was declined. I call Bank of America to find they had closed my account that has an available credit of $5000 and I had only used $361 of it. This account we also pay off monthly. So without warning my account is closed.

I call Bank of America and they claim that a Gold Option Loan I have with them is exceeding the amount they loan to people with our income so they chose to close an account I didnt' inquire about without warning. My problem with this is they gave me the gold option loan knowing all of my information and my salary was actually less.

This is horrible business considering I have been a good customer with Bank of America for years and opened my first checking account with them right out of college. I enjoyed their online banking so much I encourage my wife also to used their banking. For them to inconvenience me like this and even affect my credit this is an unfair business practice. Good customers should never be punished regardless of the current economy. Because they trusted me to give me these accounts and I have always made good on my payments I feel that I should not be punished with a closed account that will have an adverse affect on my credit. This is bad business and unfair to those who have lived up to their side of the bargain.

I have read on post that the Better Business Bureau has helped people in this situation and in some cases Bank of America has made the closed account not appear on credit reports. I would like to have my account back for convenience of having it all tied in with my online banking, but it would also be a good option to move all of our accounts to another bank if it would not affect my credit now that I have seen the ugly side of Bank of America.

Had 2 cards, one with 13K, another with 31K limits. They lowered them to $800 and $500 respectively. I've had these since MBNA days, paid them in full every month. -0- balance. MBNA was great by comparison. B of A lies, presumably they don't want to have such large balances up & down. Who knows. Made my credit score drop precipitously by changing my available credit.

For certain it is tragic when a supposedly legitimate business turns away the best customers. Pay in full every month for many, many years. I guess the bailout loot made them well enough that they no longer need REAL customers.

Interest rate was raised and past due fees applied. Was able to cancel these for 1st month. Customer service and Supervisor are unwilling or unable to help me with this issue. No customer complaints department at B of A according to Supervisor Reilly so no recourse. Now I forced to keep reminders in my computer to pay bill prior to due date. Obviously a great way for B of A to default customers and force them into higher interest rates. By the way this card has a 0 percent interest on unpaid balance. That might be a situation they would like to change. Also my credit rating is 750 so this isn't a customer with a bad credit history.

My wife's BofA Visa account I had set up to do auto transfer on a weekly basis. We had made the mininue do payment for April prior to the DUE DATE. Our auto pay on May 4th was put on the payment that was due in April instead of going to the May payment. This caused her payment for the due date in May to be $4 short instead of $56 more then the mininal due. BofA raised the interest rate to 26.9% from 14%.

Bank of America offered a Master Card with 0% interest and gave me a $10,000 credit line. I have made payments on time and have a balance of app $8000. They have suddenly changed the $10,000 limit to $8100. Probably because I was using the 0% interest and doing balance transfers. I've been a BofA customer for app 25 years. As soon as possible ... I'll get rid of this sorry business. I didn't think any business could be as bad as Home Depot ... but they are. By the way BofA ... thanks for the thank you letter for using my TAX DOLLARS to save your sorry business.

well I guess I should have read these comments before I inquired about raising my credit limit - call me naive but I was just asking because I'll be applying for a mortgage soon and wanted to increase my credit lines. I have about $11k in the card with a $15K limit, i asked to increase to $20K with no intention of using it. I called, got lectured about why I'm only paying the minimums (even though I make every single payment on time) and not only are they not going to increase but actually "we need to decrease your credit line" down to just over my current balance.

Made a balance transfer from Countrywide credit card to BOA as they were offering a 8.99% APR compared to my 27.99% APR with Countrywide. First bill was correct, second was charged at 27.99%. Called to have statement corrected and used online customer service request. Made the correct payment of $126.00. Next statement was charged at 27.99% plus $156.00 late fee and they dropped my promotional rate. So basically I am being penalized twice for their mistake. Being charged a late fee and now charged an APR of 27.99% and not getting the promised promotional rate.

I have had the same Mastercard since 1974. It has been bought and sold by several banks over the years. Unfortunately, its life ended yesterday at Bank of America, after hundreds of thousands of dollars had been charged and paid during 35 years of honest practices on my part.

Last week, I was embarrassed at the drug store when the card failed due to "fraud". I went home and called the customer service number only to get stuck on a revolving series of automated questions. They were exceedingly vague like, "Have you purchased something at a grocery store recently?" There were a lot of them and I wasn't sure what they were really asking, but I OK'd them.

Yesterday, my card was again denied, this time at my doctor's office. This time I called and demanded to speak to a person. After several questions, including my address, email, social security number, etc., the person declared I "wasn't acting professional" and then asked if I had any recurring charges. I countered, "which recurring charge do you mean?" The person then said, "We can't give out any information on your card because we can't be sure if you're the real person."

I was angry and cancelled my card...not once, but twice. Once over the phone and once by online banking. They also told me that because I had a $30,000 limit, I was open to fraud.

I've been paying by online banking for several months and I check my account every few days. I think they simply want to clear out folks with high limits, but they are doing it in an underhanded manner. I've now talked with four "customer service reps" trying to get some relief from this company, but they've all been absurd with their answers, so my card remains cancelled.

My APR was increased from 9.99 to 24.99. I called to find out the reason and was told that it was due to the economy and had nothing to do with how I pay my bills. With a 13,000 balance, that is quite the increase for someone who pays her bills on time and pays more than the minimum requirement.

I was given the option to reject the increase, but that would close my account. Any charges to the card after I rejected it would cause the APR to go back up. I rejected the increase and applied for a credit card with a different company and am awaiting approval. I am paying debts from a previous marriage, and now have to face an even greater financial burden. Such a significant increase should be ILLEGAL, especially when placed upon someone who pays bills on time and is financially responsible.

Bank of America gave my wife a credit card with a $37,000 limit even though she was unemployed. She later had a job making $9/hour which took her to a casino town twice a week. She maxed out the card and the minimum payment was more than she made in a month.

When I found out, I begged B of A twice for a lower rate so we (I) could pay the card off. Twice they refused. I had to borrow the money from my parents (wife's family is basically trailer park. I had hoped for better from my wife) to pay the card.

Now my tax dollars are subsidizing these pukes.

Ken Lewis can't rot long enough or hot enough in hell for me.

I called to inquire about increasing the credit line and lowering the interest rate on BofA credit card. Cridt limit was 11,000 and I owed 29.00. They not only did not honor my request but they Canceled my card. I had nevr missed a payment. Canceling that card destroys my credit score as the debt raio is increased. I am livid about this.

I was with Bank of America for years. I am one of those that have one credit card and pay it off every month. I began getting calls about why my payment was two months late. I looked at my bank records and it showed payments were made well in time of the deadline. Then they started talking about charges that weren't mine. When I told them they are not on my statement, we discovered we were talking about two different cards. I told them I didn't have but one B of A card, never have had two, and these charges were not mine. One of the charges was a cash advance for $25k!

They said I was listed as the primary account holder. When I inquired how they could let this happen and show me where I signed up for this card, they couldn't provide the information and said it was not their responsibility. Since I have had to hire an attorney. NEVER do business with Bank of America!!! They have obviously been mailing out card requests and accepting anything. Then they go after the unwary "account holder." This is fraud, an outright scam.

credit card payment lost in transit, Bank increased credit rate to 27.9% on top of late fee. this more than doubled the payment. talking with the bank proved futile. no understanding for errors and no attempt to reason with consumer. These actions are very unfair to consumers who pay their obligations on time.

Coincidently, my wife was speaking to a rep at BOA about our account just prior to mailing them the payoff for the entire unpaid balance. This person was extremely rude and made several negative comments to my wife when she was just asking general questions in a professional manner. He said things like "Why do you have so much debt" "What are you doing with your money" and several other personal directed questions in a rather harsh tone that no one in any customer service position should ever say. I'm a professional and a very nice guy but this rep is fortunate that I didn't hear the conversation he had with my wife. It's a bit complicated but stay with me.

The reason why the check from Chase didn't go through was because the rep from BOA pulled our credit (which has always been in the low to mid 700s) for no reason at all and we feel like he may have reported something negatively that really didn't exist. My wife told him that we had planned on making a total payoff so why did he pull our credit? Why did he care what we're doing with our money and why was he so defensive during a basic conversation. We've never missed or been late with a payment to BOA or any other credit card company, mortgage, vehicle, etc. BOA decided to take our guaranteed fixed rate of 7.9% and raise it to 24.99% because of the bad check from Chase.

The day we mailed the check from Chase we checked online to make sure we had a credit line of $35,000 in order to mail off the payment to BOA which was less than half this amount. Seemed very strange that Chase reduced our credit from $35,000 to almost nothing just a couple of days after viewing a credit line of $35,000 online as well as getting the checks in the mail month after month for a very long time. You may be thinking Chase has something to do with this but we know it's BOA based on the series of events and unique timing.

Now, although the payment wasn't late to BOA (because we went online the day we learned the check didn't clear and made the minimum payment), BOA still decided to raise our rate to 24.99% because the check didn't clear from Chase. Chase waived the $39 returned check fee and honestly didn't understand why our credit line had been reduced in the interim of our check in the US mail system. We made many calls and professionally explained to BOA that we have always acted in good faith and never had any late payments or bad credit history. We said we were totally side swiped that the check didn't go through.

Conversations with the BOA reps became extremely personal and rude and they were not willing to help or change our rate back to the original rate of 7.9% They also would not let us speak to someone higher up and tried to say that they were the highest up the chain. I know for a fact that they were only customer service reps or shift supervisors and not the final decison makers. Besides, the call was late at night. They said they could not do anything which is the easy way to end the conversation and steal from the hard working class citizens.

Keep in mind, they raised our interest rate to 24.99% not because of a late payment, but because of this fluke with the check returned from Chase. Is that real justification to raise someone's rate even after making the monthly payment on time? My wife called them about 2 weeks ago again. She spoke to a different rep at BOA and briefly explained the situation and that she could not afford a rate of 24.99%. The rep told her that he would change the rate on the current balance back to the original agreed plan of 7.99% but would have to freeze the card for future purchases. She said fine, we weren't even using the card for purchases anyway and hadn't for quite sometime. We were diligently paying down the balance and typically more than the minimum payment every month. Well, the bill came in the mail yesterday and the rate on the balance is still 24.99% but 7.9% for purchases. We were already very skeptical by all of the rude conversations and lack of interest to help us but this put the icing on the cake.

We called them back tonight to remind them that the last rep we spoke with agreed to change the rate for the unpaid balance to 7.9% but that the bill still reflected 24.99%. This rep (Vickie) said it was only for purchases and not the unpaid balance. We reminded Vickie that the last rep agreed to change it back to 7.9% on the unpaid balance and not just for purchases. In fact, there was no discussions about purchase rates with the previous rep. Besides that, we asked her "What good would it do for us to change our purchase rate to 7.9% if we had agreed to let them freeze the account for future purchases?" Hello!

Our rate of 24.9% is now ongoing for 2 - 3 months on an unpaid balance for around $15K. So, I have no idea how much they have taken from me in interest the past 60 - 90 days but it's probably enough to feed several homeless people for a couple of weeks or help someone in need. I've had enough of them misleading us and other good customers and decided that I'm going to take necessary action to get it resolved.

I have had a successful career both in the military and corporate world based on my hard work ethic. I've always paid my bills, try to always help those in need and understand business relations very well. I am in sales and make a very lucrative salary but I refuse to put up with such nonsense from these reps taking advantage of good citizens who always try to do the right thing. I have enough leverage to pay them off today but I don't mind a balance with a low interest rate and keeping my credit in good standing. It comes down to the principal of the matter and the way this has been handled by customer service at BOA.

I am preparing to go public and national with my story and maybe even pay a professional visit to the BOA Headquarters to speak to someone who is obligated to do the right thing. The travel cost will be less than a couple of months interest at 25%. We have every conversation logged and filed, names of reps, things they said, what time we called them, etc.

I hope that my story can put some pressure on BOA which I believe is way over due, especially after what I've been reading online from several other irritated and mislead customers. They could easily cooperate if they were supportive and make the necessary adjustment for us and other effected card holders but we simply keep getting the run around. I will pay a consumer advocate or attorney to get my story on a national level before I will pay anything further to BOA.

If they have damaged my credit for no reason, then how much worse could it be damaged by not paying them in the future. Sure, they will turn it over to a collection agency which I will also ignore until they address this in an appropriate manner. My story should not be perceived that it's about winning but rather a story about someone who is not afraid to stand up for what's right. What they have done is not right and should not be tolerated by any consumer. It would be understandable to a greater degree if we had a track record of being late on payments with BOA or any other creditor but we don't miss any of our due payments.

I'm not paying anyone my hard earned and well deserved income on an interest rate of 25% unless I agree or sign something that I'm willing to do so. It's all garbage and highway robbery. Here is really what is most disturbing. Of course no one wants to pay 25% interest to any creditor but it's the poor quality, lack of customer service and rudeness of the reps that is overwhelmingly shocking and unacceptable without question. I must say that it seems like a scandal or like someone is holding a gun to the reps head when they are speaking to a customer. Seems like right out of a movie. What's going on with BOA? I know what's NOT going on with them...ME! They are not getting another dime from me until they revert my rate back to a reasonable rate like before.

I understand that the credit card companies have a goal to limit consumer credit debt and tighten their belts but this is absurd. Companies like BOA will only make consumer debt much worse by forcing rates of 20 to 30% on good solid consumers who pay their bills on time month after month. Their current actions will cause a huge decrease in spending across our country, thus more debt. I personally believe that BOA will be the next company to fold if they don't get their act together and do the right thing. They must be financially challenged after reviewing all of the consumer complaints. Why are the customer service reps so rude and refuse to help or make promises they can't keep. If a company is financially strong, then it will follow by superior customer relations and by doing the right thing.

I had a question about my Bank of America credit card and called back in May of 2008, when asked about a "credit prection plus" I declined it because I always pay my bill and never purchase things like that. For a while now I haven't recieved any statements because I was away for school and have paid the balance by getting the amount owed by phone. And for the past couple months I have not used the card, trying to pay it down. And still while making more than the minimuim balance it was still over the limit.

So i got curious and called the 1-800 number. Where I found out for the past year, it wasn't just ridiculous finance charges continuiously pushing my account dangerously close to being over the limit and sometimes taking me a few dollars over, but it was their almost $50 "credit protection policy" which I know I did not opt to get in the first place. What? I know for a fact that I never waste my money on something like that, and I wish I had been getting my statements so I could have seen that from the begining.

But several payments and over limit charges later, I finally got it taken off...hopefully. But they are refusing to refund any past charges because, "It's been coming out for the past year and I should have known." And yes if I had recieved my statments, I would have seen it, but Bank of America is known for horrible finance charges, so I chalked it up to that. But perhaps they should be aware that no means no, and that I was not playing cat and mouse so they could just sign me up anyway. This bank leaves much to be desired customer service wise.

Bank of America recently hiked my credit card's annual percentage rate from 7.9% to 12.9%; even when I always paid on time,and never exceeded my credit limit. When I contacted BOA, the option I was given was to either stop using my card for future purchase and the APR rate will return to 7.9% for the current balance, or continue to use it and pay a much higher- 12.9% rate.

I received notification that the interest rate on my Signature Visa was going to be increased if I did not choose the opt out. So, I called and went thru several "account managers" until finally was given the option of having a call back from an upper level account manager. That person, (kimberly) called me back and after a long discussion, she offered me a lower interest in exchange for my business. (I have four accounts with BofA all in good standing all with high credit lines and have been a LOYAL customer since 1996). Needless to say, i was extremely grateful. Because the account was designated in the opt out category, she had to get help over-riding the rate but was successful and continued to tell me that this rate would be effective with my 5/31 statement.

My 6/4 statment posted and the interest rate was 21.2 %!! So, i called to discuss and LONG LONG LONG story short, by the time I had spoken with several reps, I got referred to the credit department. Jeffrey pulled a "spot" review on my accounts and started dropping my limits as we were speaking. Don't forget that I called Bank of America to ask why they hadn't kept a commitment to ME and in the course of the conversation, I lost all my credit limits and ended up closing all of my accounts in frustration. Jeffrey agreed that if I closed all my accounts (after 13 years of NEVER missing a payment, NEVER going over my limits and ALWAYS paying more than the minimums), he would freeze my account status', interest rates intact and mark the accounts closed by consumer.

I was, and am, very concerned at the negative impact that credit line reduction through no fault of mine will have on my credit score. To make matters worse, he referred me to a credit counseling group because I am now a risk because I carry balances.

Now, fast forward to today after 3 days of this Bank of America hell. I go on line to check my account and it is OPEN with a reduced line and the higher interest rate and higher minimum (315 to 476) that JEFFREY said he would correct. So, I make the 30th phone call and still have no satisfaction. The people I spoke with today don't have the authority to do anything except say that they don't have the authority to do anything.

I finally get to a manager today and she offeres me a 9.9% rate that is fixed but can't change my credit limit back. So, i think that is at least better than nothing until I can get this mess worked out. She puts me on hold and comes back 15 minutes later to say my account won't allow the change which puts me back to square one. It's laughable at best. I am due to speak to a real manager next week so we'll see what happens but I don't look for satisfaction.

This is predatory lending and insulting treatment. I at least know that my heart must be strong because I was so mad at one point that I thought my head might explode.

Discovered and reported a suspicious charge on my credit card to Bank of America. They transferred me to disputed charges where they took the charge off of my acct. I explained it wasn't the $5.10 charge I was most worried about #1 being identity theft and # 2 my APR increasing. (B of A recently sent me a change of account information stating my APR was changing but I could opt out. I chose to opt out to keep my 7.9% APR knowing I could no longer use this credit card. Consequently, use of this credit card automatically increases APR to 14.9%. I took both my husbands and mine and immediately filed them away.

This is where the suspicious charge comes into play. After speaking with the disputed claims dept. I asked to speak to someone about my APR changing. Catherine assured me the APR was still the same which did not appease me knowing a full billing cycle had not occurred. I explained this to her and once again she assured me not to worry there would not be a change. Unfortunately today I open my monthly statement to find my APR now at 12.9%.

Two phone calls later, first to Sue in customer satisfaction who offered me an APR change of 9.90% which I refused and asked for a manager. The manager called me back and after a long strained discussion he told me all he could offer was a 221.00 credit and the 9.90%. I wanted them to return me to the agreed upon APR 7.9% explaining it was not a charge I made and my credit cards were safely tucked away for the last 3 months. He said, "I have no way of knowing whether you made those charges or not". I told him this was calling me, "the customer" a liar.

I do carry a balance which I pay diligently and always on time. I pay 3 to 9 x the least amount due each month. I have a great credit score in the 750 region and my husband 790. I have been a loyal and good customer to B of A. None of this meant anything to Mr. J. Walker who said basically he was giving me a credit of $221.00 and the 9.90% APR. Nothing more could be done because the credit card was used hence breaking the opt out agreement I signed.

My husband and I both work hard and are conscientious consumers who do our part. We have three children two of which we are currently putting through college.(no help from financial aid, hence the credit card debt $8000). Frankly, I am tired of these big corporations not only ripping off my family but all the others as well. When will our voices ever be heard...please help! Although I am paying down the debt in quite large chunks, raising the APR is damaging financially. It's just wrong on all levels to rip off anyone.

On June 5th, I called Bank of America's Customer Service Department in order to get some advice about what options I have under my current financial situation. My problem is that I am not able to pay my Bank of America's Credit Line bill because of an economic hardship I am experiencing at this moment. I was calling Bank of America in order to get some kind of temporary hardship forbearance or reduced payment plan, before incurring in a default.

During my call, the customer service rep asked me some questions about my financials: what's the balance of my cash accounts, how long I had been unemployed, what kind of effort I was doing in order to get a job, etc. After telling the customer service rep all that information, she DID NOT ONLY denied my request for a temporary forbearance BUT ALSO reduced my credit line from $37,000 to $35,000, just making my situation worse. Now I will not only be able to make my regular payment, but cannot be able to pay the penalty for the over-the-credit-limit issue that I will face for not being able to make any payments while Bank of America continues to charge for the accrued interest.

I think that Bank of America has been very unfair in my particular situation. I just called for an emergency help but ended with a penalty of reduced credit line and the possibility of incurring on an over-the-credit-limit situation. At this time of global economic hardship, when banks should be helping loyal customers like me, they end up making our lives miserable.

I was one day late with card payment, so they rasised my finance charge to a higher rate. I think that they should be a little more forgiving to the consumer as the people of this hard working countyr, who gave their tax dollars to bail them out. My pay has gone 200.00 higher making it harder for me to make payments to reduce this loan.

On one account I did make two payments 0f $103. When I did speak to Mr G that same day, He said that my total debt would be reduced from $40,988.59 to $6,155. I reluctantly agreed to two payments of $515 the first to be paid on 5/30 and the second was to be a month later. Subsequent payments were to be more and he did not specify the amount nor the timing when each was due especially when over and over again I told him how difficult this would be to maintain. I told him this would a recipe for failure. What he said was to try and make this first payment and with each payment thereafter to communicate with him if I am unable to make the payment and he would work with me. I have been working overtime in order to make this first payment which was automatically deducted from my checking account today. He said that he would send me a letter within a few days of our conversation to confirm this arrangement.

I did not receive a letter from him till 5/29/09. I got scared thinking this was a scam and called Bank of America to find out if a Mr David G really worked for them, (this was last week) they did confirm that he did (I think in the settlement dept.) The gentlemen I spoke to last week then indicated that in his notes it states I that I need to pay $515 on 5/30 and then mentioned payments increasing till I would be paying $1,900+ till paid off on 8/5. I was shocked since this was not at all what I agreed to pay. He then stated I can go back to the full debt owed and pay over $660(?) monthly.

When I again mentioned my financial hardships he said I shouldn't pay anyone else any money and take care of the debt I owed Bank of America first. He later stated that I should talk directly to Mr G since I made the arrangement with him. I did not call Mr. G thinking that somehow this gentleman must be mistaken in all that he said to me and the arrangement with Mr G was valid and workable based on what I could afford. Yesterday I did receive two letters from FIA Card Services for the two accounts owed to B of A. I worked overtime again till 9:00 pm and only opened my mail today to find that the settlement was not at all what I had agreed to.

This is the amount I owe with the settlement for both accounts: 5/30 - $515; 6/15 - $180; 6/30 - $715 and on 7/15 and 8/5 - $2,372.50

I expected a sealed envelope. Now I'm concerned about who's seen my account information? I asked the bank to send me a new credit card and number. Now I have to check my bank statement online every day.

Received a new card to replace one that was expiring, Notified my credit limit was increased to 23,100. Used the card and it was declined. Called customer service and they said my account had been deactivated, however, they never sent me any notice. Tried to reopen the account and was told they didn't feel comfortable doing so. Have a second card with them, and received my new card to replace the one that was about to expire. Statement noted my credit line was 23,100, as it has been for many years.

Not long after that I received checks for balance transfers and noticed it stated my credit line was 10,000. Called customer representative and was told it was because I had opened a second line of credit, which I did, because BOA would not reinstate my first credit card. Called and spoke with customer rep. again and was told I had been offered 18,000 credit limit reinstatement on the first card and I had declined it, which is not true. That never was offered to me, and I never declined it.

Spoke with credit manager, and he told me they are now using a different calculation on setting credit limits and he would only reinstate the first card with 5,000 limit and drop the limit on the second card to 5000. That makes no sense, because my second card is at 10,000 credit limit (down from 23,100). I was told part of the reason was because I got a credit card to replace the first one that BOA deactivated withiut notifying me from my bank. When I told him it was not from my bank, not BOA, he said BOA manages their portfolio, of which I was unaware.

I have good credit and have had credit cards with BOA since 1993 and 1997. They treat their customers very shabbily and when they change interest rates or credit lines, they don't notify the customer. Now that I know that BOA mangaes my banks' portfolio I will have to research and find a bank that doesn't have any dealings with BOA. It makes me angry that the taxpayers money helped save this sketchy and practically criminal bank. Lost 16,000 in available credit that I needed to make a purchase, and was repeatedly lied to and given the runaround. Disgusted.

I had a credit card with approx $11k + owed on it. I paid the entire amount in March. I then called the company and verified I had a 0 balance and asked them to close the account. I checked my credit report and they were reporting me as late. After verifiing a ) balance and closing the account they charged additional interstest and fees. I never received notice. They have damaged my credit report with their action.

I am an existing customer who called Customer Service 2 weeks ago to find out what my options would be if I were to get laid off-whether they could reduce my interest rate etc. I immediately got transferred to the Credit department because the customer service person assured me there are many options and they work with their customers. I spoke to the credit person and he immediately asked me my monthly mortgage pmt, husbands bills etc and then automatically pulled a credit report on me. I did not ask for any credit report to be pulled on me, all I was calling about was options in this "what if" scenario.

Before I knew it, the Credit specialit decided to reduce my credit line in half due to a potential change in my finances. This credit limit drop now shows me as maxing out on my credit line which is not good. It was bad enough a week prior Bank of America changed my low 5.9% interest rate to double it just because of the economy. I had been a great card payer all along always paying double payments per month.

I was treated very rudely on the phone and made to feel like I did something wrong by calling to ask about my options. There are customers who never call to ask and here I was doing the right thing and now I got screwed over. I don't think they should be able to pull my credit without my consent. Any help is much appreciated.

I have been a B of A customer for 10+ years. I have 3 credit cards, and 2 bank accounts with Bank of America and have NEVER been late on a payment. At the beginning of this year, B of A raised my interest rate on my credit cards. When I called to find out why, I was told I "should've" received a letter stating I could Opt out. I told them I did not. I was told I would have to stop using my credit card for the opt out rate. I told them I use my cards for expenses and didn't understand why I would have to stop using the cards.

While on the phone with the rep, they lowered my credit limit on one of the cards stating the balance to income ratio was too high. I told her that was ridiculous and not to touch the card. It was done anyway, that I had no choice.

In May, I suspected my checking account information was compromised and went to open a new checking account. I was alerted by the credit bureaus that a new inquiry was done. I checked and it was from Bank of America. I called the bank and asked why a hard inquiry was done? I was told by a very RUDE rep in the "Office of the Chairman" that it was a soft inquiry and its not seen. I told him that was not the case it was a hard inquiry. He pulled my report and confirmed it was.

Rather than help me he pawned me off to M. White who informed me that the bank has a "RIGHT" to do hard inquiries on new accounts and that it would not come off of my report. This is of course after I informed her that I was told by several reps that I was told it was a soft inquiry.

I then addressed the issue with my credit card limit being lowered and was told that a "committee" determined that the credit limit was where it needed to be and I should be "careful" not to draw notice as the "committee" could close my account altogether.

My daughter put a $1,000 deposit on her Bank of America credit card for her upcoming honeymoon. She has never been late with payments and has a very good credit history. She recently got approved for a house and suddenly she gets a message on her cell phone that they have closed her account. This means that the balance she was going to put on this card can not soooo, consequently no honeymoon.

She was told that if she makes a "large" payment, basically the total of the honeymoon package that she could use the card for the balance of the honeymoon. She was told it was cancelled because she now has a mortgage for her first home as she is getting married Aug 1st. She has not even signed the paperwork and made the home purchase yet! She explained she is getting married and that there will be two incomes, but to no avail. The worse thing of all is that the $1,000 deposit for the honeymoon is NON REFUNDABLE, so she will loose the money, but have to continue to make the payments for that money to Bank of America.

One day in my car driving to my small business that I own in Beverly Hills, Ca. I was listening to J. Chatzky as I do every morning about credit cards. She mentioned if you have some credit card debt and is paying it down, Pay on time as you should, maybe double up on your payments as I do, you can call the credit card company and ask to raise your credit limit so that your at least paid up to 30% percent of your credit line. Which I did on 05-27-09. It will raise your Fico and credit score. In the meantime, It will possibly raise your credit/Fico score.

I then called Bank of America to raise my line of credit of $20,000.00 and my Visa Platinum from $6,300.00 to maybe $10,000. Bank of America customer rep said that the manager wanted to verify my income as well as my information which I gave. BOA then proceeded to tell me that I do not qualify. I know I do qualify when my credit score is over 700 and I only have two credit cards with balances. Everything else is paid off. As well as my income is high enough to be raised. BOA said that they would have to decrease my credit lines on all cards and credit lines. I then asked why am I being penalized for following your terms and then some? Why is my credit line going to be reduced because I called in without notice?

If I didnt call in to BOA maybe they would not been alerted to reduce my lines of credit. The rep told me that i should pay off my balance each month. I told the rep that this Visa card is not AMERICAN EXPRESS where you have to pay it off monthly. I pay weekly plus my regular monthly payments each month and is never late due to my automatic payments through my bank and Bank of America auto payments.

Now the question is..What can I or others due to stop Bank of America and other credit card companies from ruining HARD WORKING, RESPONSIBLE, DELIGENT PEOPLE WHO PAY THEIR BILLS ON TIME. What can be done for us who have impeccable credit scores from being damaged from Bank of America?

Bank of America allowed my relative to take my daughter's credit card and sign his name to charges well over $5,000.00 and to add insult to injury, increased my rate from 5.9% to 13.65% VARIABLE. They took 6 weeks to send me a letter stating that there was "irregular activity" on my card; a card that I NEVER charge on day to day. I only use that card for my daughter's tuition. It has cost me $6,200.00 plus interest. They wouldn't even let me pay on the old rate!!

I have always paid more than the minimum balance. Two weeks back, I made a payment of 26000 dollars as one of the offers I had is about to expie and called their rep to ask about the expiry dates for my remaining offers. This must have triggered something and I received letters stating that my credit lines on my 3 cards went from 87000 to 38000. We hear about the landmark credit card bills, customer protection acts, the bank ceo's testifying to congress how they work with people, they only change interest rates for risky customers etc. What a bunch of bull and the federal government gives these guys billions of zero interest loans to screw their good customers. I will pay my balances in the next couple of customers and BOA can kiss me goodbye as I will never ever be their customer for any of their products.

I was told by Bank of America, that a checkcard was ordered then mailed out to an unknown address, after activation of this checkcard a deposit was made into my account in the amount of 1,100. Within the same minute of the deposit a withdrawl was made in the amount of 500.00, a second withdrawl was made in the amount of 400.00 and a third withdrawl was made in the amount of 280.00. I asked how could this have taken place? How could a card be mailed out to an unkonwn address without my consent? How could a pin number be established and changed without my consent. How could my address be changed without being contacted by the bank.

They said they didn't have to notify me. I was very hurt at this remark. I was transferred to another department. I was told that the request for the checkcard was made online. I was told I would not be responsible for these transactions. I was told to close this account and open a new one. I did just that I was told the funds would be made available on the next day.

On the next day I attempted to make a creditcard payment to my bank of america credit card and was unable to. I went inside the bank to inquire about not having access to my account. The bank told me they were going to mail me any funds that were due to me close out my account and I would never be able to have an account with the bank ever again.

I began to cry because I was being mistreated all of my rights were being trampled upon. Bank of America never gave me any copies of anything that had taken place regarding my account. Bank of America never closed out my checking account like they said. Bank of America never mailed me out any paper work regarding the claim I filed for fraud.

I am unable to pay my creditcard and it is now past due. I am unable to make my student loan payment because I have no access to my account, after I've filed a claim with bsnk of America and after going to my police department filing a police report, Bank of america has disrespected me trampled my rights and now is hurting my credit and causing further harm to me

BoA has again reduced our three accounts' limits for the second time in four months. I have documentation that my wife and I both took a forty-point hit on our FICO scores because of it. We're now waiting to see whether we will take another hit. We went from 720 to 680. I suppose we'll now go down to 640 which isn't worth [much] these days. Upon calling to complain, I was told, rudely, that "credit cards and line of credit accounts aren't meant for long-term borrowing."

When I asked what the Bank considered "short-term versus long-term" he had no reply. I then asked him for my state's Resident Agent for Service of Process and he had no clue what I meant. I replied that I plan to file suit and needed someone to have the Sheriff physically serve papers on. He said to call "our legal department at 800-." That number is a perpetual answering machine somewhere. The recording states it is a law office. The speaker must have an impediment as I truly cannot understand what she is saying.

Needless to say, after leaving several messages, no one has returned my calls. We are (were?) in the throes of doing a refi on our mortgage but at present, the lender looks inclined to turn us down due to the lowered FICO scores. We really want to file a class action suit to stop BoA, and other credit card issuers, from ruining people's scores. Care to join us? BoA, in particular, will have ruined many folks' credit so that the next time they need to buy or lease a car, an apartment, or attempt to buy a home, they will be toast. If peple get together, perhaps we can apply the right kind and amount of leverage to get this terrible practice stopped. Not one thing in the new credit card legislation just passed by Congress will rectify this score-damaging issue!

Now they have closed all my BOA cards, well not the one that has a $375 balance. I owed nothing on those cards nor did I ever miss a payment or was ever late. My credit score was 777 about the best you can have. If this action hurts my credit I will take legal action against them as we are warned never to disclose any information over the phone and this person was down rite rude. I sure hope this bank gets no more of my tax dollars for a bail out. Let them go bankrupt.

No problem, I thought - I have never been late.

Thankfully, I caught this change by accident ........ I have a shorter billing cycle now and will be reluctant to pay by credit card in the future. I have to read my statements like a hawk!

I have been with Bank of America since 1993. I have had 3 mortgages with Bank of America. I have my checking account at Bank of America, a $26,000 CD, a $33,000 CD and a $342,000 IRA. The IRA is a small part of my retirement with considerably more at Vanguard and Fidelity. I took a "55 and out" qualified retirement from my long time employer in December, 2007, formed my own consulting business, and made $199,023 in 2008.

I have 3 BOA VISAs - one original BOA VISA, one from MBNA who was bought by BOA (now a BOA American Express), and one that was a Travelers then Citi then Fleet and now BOA. I have used my original $13,800 credit limit BOA VISA for day-to-day purchases and have reserved the other two, with much higher limits, for "deals". Historically the two of them offer great "deals", both pre and post their purchase by BOA. BOA offered me in October a 2.99% deal on the old MBNA card and followed it up in January with a 0.0% deal on the old Travelers card.

I always pay my original BOA VISA in full, and had just paid $2,400 when BOA lowered my credit limit from $13,800 to just $800. BOA did not notify me. I got a call from my son's Orthodontist informing me the monthly $210 auto-payment was refused. My balance at the time was $633. This was very embarrassing.

I called BOA and after a long wait talked to someone and after a lengthy explanation of my true financial circumstances was deemed eligible to talk to the people who actually make these decisions. Of course I was put on hold again. After a long wait I was told by Mr. Leskovec in Cleveland that my card limit was lowered since I already owed BOA a bunch on my two other cards. well, BOA is the one who just recently offered me the two deals! The credit card folks don't have access to all 10 of my BOA accounts and I had to tell them about them. I was put on hold and then told they were sticking to their decision.

I just got my son, who is starting to college in August, a BOA VISA (the one with the now reduced limit). I have now taken it back and will be getting him one from a BOA competitor. I plan to refinance my house somewhere else (after the lump sum in July), move my sizable IRA and 2 CDs, close my checking account, move my safety deposit box, and generally stay away from BOA. This lowering my credit limit by $13,000 will raise my % of credit used value and could cause other creditors to do the same. If this happens, I will hold Bank of America responsible.

I had three cards with Bank of America reduced from less than 30% debt to credit line to 98% of debt to credit line. Each time one reduced my line, my credit score lowered. The next would then send notification of lowering my lines. Now I am at 98% on all three cards with Bank of America and my credit score has dropped from 710 to under 650. This is crazy. The banks get our tax dollars and they remove our lines and kill our credit scores while they now get the greatest spreads on rates in nearly 20 + years from the Federal Reserve. The only ones getting paid off this whole debacle is the politicians who are in cohorts with the banks and the bankers themselves. What happened to consumer rights and fair business practices? Crazy. I'm moving to the Caymans.

When the minimum monthly payment rules changed in 2006 (or 2005), I closed my BOA credit card account with the understanding the current interest rate and monthly payment would stay in effect until the account was paid off. No problems from 2006-2008, every payment was made and often I paid more than the minimum. I did not receive my January 2008 bill and missed a payment. The February 2008 payment went up to $793 from the normal $155 and interest rate went from 7.99 to 31.74. I never was late or missed a payment before.

I called BOA and told them I would make the January and February payments over the phone right now if they reinstitued the closed account agreement. The rep took my $414 payment, then said, ok now you only owe $379 by next week. why do you think I was making minimum payments? Rep got nasty and made the comment "not having the money is not a good enough reason not to pay your bill." I went up and up through the chain of command and got nowhere.

Was offered a new mortgage (I already have 2, so no thanks), was transferred to BOA's own debt consolidation affiliate, which I rejected. I submitted a complaint to OCC, and in response Sharon T. in BOA's Chairman's Office called to apologize and reinsituted the prior interest rate and monthly payment (bear in mind, account had already been closed, at my request, for 2 years). All well and good for 6 more months. Every payment made on time and I rounded up a little each month. I was terrified to be even 1 day late or $1 short.

Then the Sept. 2008 bill came, with 225% increase in the payment ($155 to $349) (what happened to the closed account agreement?). Again I complained and again got the runaround. Again had my character maligned by customer service. I finally insisted on talking directly to Sharon Tabor. I suggested converting my closed account arrangement to a 10-year fixed rate, which would be about $200 a month, which I can manage. She said they can only offer 5-year terms and would not back down off the $349 a month. I was already working 2 jobs so I could pay down all my debt, now all of my second income had to go to BOA, and I was forced to take a 3rd job to keep out of bankruptcy and to keep paying those taxes so BOA can get that bailout money. I complained again to OCC - no response as yet.

Already extremely angry with BOA, this month (May 2009) I got a "change to account terms" notice (on a CLOSED account?!) saying that now a foreign transaction fee is being applied. What foreign transactions - this is a closed account. Are they going to start running my payments through India? This notice had no opt-out provision, either. I wrote to reject the change and was advised by return mail that BOA does not have to give their customers the option to reject card agreement changes.

I do not have problems with any other creditor, and never had anyone change account terms the way BOA does, nor have I ever dealt with nastier customer service reps. BOA should not be allowed to have the word "America" in their name -- they are the most un-American, most predatory financial institution around. At 57 years of age, I am forced to work 3 jobs to keep BOA happy. If I get sick from lack of sleep, I may wind up in bankruptcy anyway.

I received a notice that my finance charge was going to increase from 9.90% to 13.95%. I have approximately a$21,000 credit line of which there was a balance of a little of $5,000 with most at a 1-year 0% rate due to expire in May. I called the company and said I wanted to opt out of the change and close the account. My husband and I have an excellent credit history and FICO scores close to 800.

The rep I spoke with said there was a way I could keep the 9.90% which would be to opt out and transfer the unused credit balance to a new account that would have that rate and currently had a 1.99% promotional rate. My goal right now really is to pay off the card and I have been making payments of a minimum $2,500 per month. I told the rep I didn't care for what BofA was doing with the across the board increases and would continue to use my American Express if I needed to use a card.

What the rep said next is true and that is that many places still do not honor AMEX so I thought what the heck I will open the new account in case of an emergency. We went over the terms and the amount of unused credit that would transfer to the new card.

When I received the new card the credit limit was $2,500 supposedly based on review of my account and credit history. What a bunch of BS. When I contacted customer service I was transfered to a credit specialist who re-iterated what the letter said (remember my credit history is excellent and my FICO approaching 800)I had been patient up until now and then became quite angry. What I was told was "well if that is the way you feel I can close your accounts." I did close the new account and will close the other once paid off - and will never do business again with BofA or anything of the banks the have acquired. These deceptive practices must end.

I had two credit cards with Bank of America with credit limits totaling over $60,000. There was zero balance on both cards; I hadn't even used them for about 6 months; I had never been late; and my credit scores were approximately 750 for all three bureaus.

Out of nowhere, they closed both accounts, sending nasty letters like I had done something wrong. A call to a "credit-analyst" left me sick. The representative was simply rude and unsympathetic--and responded mockingly, "Thank you for your thoughts."

Bank of America increased my interest rate overnight for no reason. After being with Bank of America for 3-4 years, paying every bill on time, more than the minimum each month my interest rate skyrocketed overnight. It went from 7.99% on only a small portion of my balance to 29.99% on the entire balance. When I called and asked why the first girl couldnt explain. I told them that I was abiding by all their rules and didnt understand why they did this to me. She transferred me to another girl who said that it was because my balance wasnt going down fast enough. I said well, if that was a problem then why didnt they just increase my minimum payment. She had no responce to that.

With the bad economy my husband (home building market) and I have been trying very hard to keep up with all our payments on our credit card. We are doing ok so far. In the last few months a few of our credit cards lowered our limits without notice and I understand that as of right now this is not illegal yet. But Bank of America upped my interest rate to 26.9%. They say they sent me a change of terms letter, but I did not receive it. I have been calling them and asking them to reduce the interest rate back to what it used to be but they are not willing to even consider this. With the economy they way it is, and Bank of America receiving bailout money... should they not do their best to help people? I am pretty upset because I have been with them for a very long time. I keep a good sized balance in my savings and with the way things are I am also pretty good with paying on-time. I am so frustrated right now. Do I have any options?

My credit line of $5700 was suddenly dropped to $5100 without any notification. I went to use my card at a vendor and was told that I had insufficient funds, which I knew wasn't true. About 5 days later I received a letter by mail stating that my credit limit had been dropped. I feel this is highly unethical to send this letter after the fact, rather than before, without my knowledge.

However, here is the worst part: since March of 2009, I have submitted payments (min due) per the email notifications I receive. However, Bank of America took these payments and applied them to the previous month, not the actual current month due, therefore they have ruined my credit report by showing me as never paying the minimum due in time, have never updated their records despite correspondence in writing via their website apologizing for the error and that it would be fixed. By applying a payment due to the previous month rather than the current month, it also makes the next payment amount due jump substantially, shows me as late paying, and they assessed late fees on top of it. I have fought them long and hard to correct their records, yet despite their continued assurances that it would take 3 business days, then stating 5-7 business days, they still have not corrected this error (since March 4, 2009). They keep doing this every month for the past few months.

I've been told the late fees will be reversed, but they haven't done it. My credit report which was always sterling is now showing me as late paying, shows me maxing out my credit card, and still shows my payments off by one month for the past three months (I had $5094 on the card when they dropped the limit, so instead of a nice cushion, it showed me within 6 dollars of my limit and increased interest rate, basically forcing me to max my card out by their own hand).

I have spent two months online trying to fix the payment applications error, and they tell me over and over it wil be updated but they never do it.

I hope that someone sues Bank of America, I'd be there to go along with any class-action lawsuit. Thank you.

On Feb, 26, 2009, I used an offer from fidelity to pay off a balance of $10,970.00 on my B/A charge card. I did this because the B/A 0% interest rate was about to expire. I used a check from fidelity to do this. I did this at a local B/A branch. B/A did not honor the check from fidelity because they said that fidelity was under common ownership. B/A changed my interest rate to 24.99%. They will not change it back to the 9.99% like they promised when I called them and went into my local branch.

I have two different Business Credit Card Accounts. One will let me set up a Payment from my Banks Checking account on the Credit Card Due Date, but the other won't. Its a software problem within their system, but they won't remedy it. My question is do they have the right to discriminate between the same kind of accounts? Anyone can try to set up the payment on the accounts and one will let you, and the other won't.

What happened is that back on April 12, 2008, I made a payment of $11,000.00 over the phone with a Bank of America customer service rep. I am not sure why I paid over the phone, but I travel alot and perhaps I was not near an internet connection as I usually make my payments online. I assumed the payment went through as I am sure I provided the correct routing number and bank account number for Alaska USA Federal Credit Union. I had already made a payment that month, so this was an additional payment on the account. (Both of the payments were not late)

Apparently, on April 17th, the payment was returned for reasons I am not sure of, but a duplicate payment of $11,000 was made again on 4/21. What I did not realize at the time is that original payment of $11,000.00 which was returned, was then treated as a cash advance. I feel like an idiot now for not paying attention to this matter and to the fact that I have been paying a much higher interest rate on my balances since that time. I never thought for one second that a returned check which was promptly taken care of would result in a cash advance to the account. I would have transferred the funds off this account before I would knowingly pay close to 20% on my balances when I have perfect credit.

I have now talked to 3 of their customer service representatives to find some type of resolution to this situation, but each time I have hung up more frustrated, so that course of action is not working. I realize my only course of action is to close the account, which I am in the process of doing.

I set an auto payment of $125 to go out on the 17th of each month; I was late six times in the past year without knowing it; paying $234 in late fees and having my int. rate hiked up to 27+%. BofA's response, tough cookies it's in the terms and conditions. Bank of America is among the most evil companies I've ever heard of. They rank up there with information hi-jackers on the internet.

In a word, unscrupulous! My heart rate goes up when I think of their business practices. It is theft; pure and simple.

I got a letter stating they decreased my credit line to 50%. I called and a very rude representative told me they did that because my account has been inactive. I told him it couldn't be because I just paid off the balance last month. He said we don't care. I asked to speak with a supervisor and he said there are no supervisors.

the credit line decrease affects my fico score and it means I will have to pay higher interest when buying my house.
These B of A will never got a peny from me.
Decreasing the credit line in an account that has always been paid on time and was paid off last month is ridiculus. I have a great Fico score and this will affect my score and reputation,

I will search for more customers in my situation to start a class action law suit.

More recently, I paid off one of the cards, and was going to pay off the other one this month. As soon as I paid off the $5000 card, they lowered our available credit to $900. That was two weeks ago. I only today received a notice from them in the mail: Due to being near our limits on revolving balances (um, yes, b/c THEY lowered our limits to just over what we owe), they can no longer extend us as much credit.

Like many other customers on here, we were good customers: We paid our bills on time or early; I sometimes paid twice a month; I often paid off the whole amount (since my husband works on commission, and does not receive that until jobs are completed, he does not receive "regular" paychecks, so we will use credit for a month or two, make twice or more the minimum payment, and then pay it off).

Honestly, I do not think this has anything to do with US, as consumers, or any other customer on here. Bank of America was one of the biggest culprits in the economic mess our country faces now. They need to cut their losses as much as they can, and they are doing that by reining in what they loan out.

It is their right as a creditor to extend credit or to not extend credit--I realize that it's their money they loan me to use, not mine. But to give little or no notice, to deny well established customers who have proven themselves very credit worthy, and then to make us feel like WE have been irresponsible with the money loaned to us, when it is impossible to calculate how irresponsible THEY have been--this all equates to a terrible, unethical company.

I wish the government could do something about this, but they can't. What we have learned though is not to pay off credit cards, but to hoard our money, money that will no longer be available in our savings and checking accounts for Bank of America to "borrow" b/c we are joining a credit union. When we are in the black enough to pay off the cards and not need the credit--since we know they will take it away from us as soon as we pay it off--then we will dump B of A completely. Until then, I guess they get to make lots of money off of us in high interest rates.

Later that month, I received another set of checks, these dated April 22nd, and it also said my credit line was $15,000. On May 4th I received a letter, dated April 24th, that my check of $13,685 was returned unpaid, stamped insufficient funds. At the top of that letter was a box saying my credit line was $7,500. On May 6th I received a notice, also dated May 24th, that my credit line was being lowered to $7,500.

Bank of America has assessed a $39 "return check fee." The IRS will charge a returned check fee, a late payment penalty, and interest. I have not received the amounts yet and they could not tell me over the phone. In addition, I will have to pay higher interest rates from other sources to pay the amount due.

Had a $30,000 credit limit, didn't use that card much as it doesn't have rewards on it, but pay all of my card balances in full each month, never late, and received the same letter as everyone else stating they are cutting my credit limit in half. Now, if it doesn't affect your FICO credit score, then really I don't mind, but I am planning on getting a bank loan in the next two months and I don't see how it could not hurt me having reduced credit limits. This really needs to be examined as your fico score determines the rates on your auto and home loans as well as other credit lines. So its mysteriously disguised so that its hard to show that because of their action, your refinance is .5% or 1% higher than before.

This amounts to tens of thousands of dollars more that you pay over the life of the loan. I really think there needs to be an investigation to see how many customers this affected and whether their credit score went up or down. If it negatively affected people's credit scores with no cause for the reduction (i.e you were late, or not making minimum payments etc.) then I think there should be a nationwide class action lawsuit to sue for damages to your credit rating. Maybe in discovery proceedings, the people will finally learn the confidential secret of how a fico score is complied.

Remember folks, congress gave the credit card companies back in the 60's or 70's the ability to keep that secret. Enough is enough and if you are going to be judged and branded by a company's calculations, I think it would be your right to know how they arrived at that figure and when they are wrong and cost you additional money in the form of higher premiums, interest rates, etc. then you should have the ability to use your legal rights to redress the injustice. Don't we have the right to confront an accuser guaranteed in the constitution? There's one for the legal scholars.

You shouldn't be branded a loser or credit risk without the right to confront and see how they arrived at that conclusion. Is it not libel if in fact it is a mistake and their calculations were wrong which resulted in you paying more for everything? Its high time to come out of the dark ages of credit and for congress to pull back the curtain and demand that the credit reporting agencies explain how they calculate a Fico score. Write your congressmen to overturn this allowance that they were given. And come on lawyers, think of a way to sign up millions of borrowers and credit card holders. At least the BofA credit reduction is a good place to start.

i have had a card with MBNA/now Bank of America since 2001; over time have gone from 5,000 to 25,000 in a credit line at a fixed rate of 7.49%

A month ago like most customers i received notice that my interest rate would increase to 13.99%; more than 6 points. I declined the inquiry via telephone; the customer agent suggested we should keep the current card at a limit of 10k and transfer the remainder credit of 15k to a new fixed card at 9.9% .

When the new card arrived it was only 5k and they removed 10k due to " credit report and too many open accounts" .

I called them to inquire why i lost 10k of credit somehow and the response was the same.......due to low payments of the card; etc..... I have never been late and have always paid more than the minimum amount .

The best part of all this is while speaking to the representative in the credit dept...she was asking me about finacial responsibility questions like where do you work ; how much do you make; do you own a home...... i explained that i was let go due to the downturn in this economy and her response was " oh really; i am now going to suggest that we decline the new 5k card based on your unability to pay ..... call us back when you secure a job " !!!!!!!!!!

Who the hell does this company think they are ? How much power will we allow these companies to dictate our livelihoods and economic stability?

The middle majority is and always will be the solid fuel of this country and it is by time to return the power to the people.It is so unfortunate that these crooks are allowed to be in business; let alone now our financial future is tied into their success; meanwhile they are ruining good and fair honest taxpayers. Shame on you Bank of America.

Bank of America decided to cut my limit due to the "economy" is what i was told... when i asked them where was my notification letter they told me they were sent out april 30th, this was may 2nd... i was told 5-7 business days is how long it takes for me to get an explanation of them decreasing our credit limit on our cards... ive never been late pay extra each month i do keep a balance but never use alot just for those emergencies... im 9mths pregnant due may 7th i was going to use 1500 to pay for my hospital deductible... but them sob's left me with 200-500 on each card... is that legal???

i mean i thought i was supposed to get the damn letter first then have a chance to fight it or have some kind of options not have these idiots on the phone tell me non-sense and when you ask them about the millions they recieve they transfer you quickly and keep you on hold till you hang up... I HOPE I HOPE that congress for once actually does something to help us and not help banks... funny how they say the customers will be poorer while the banks will be richer... democrats thought you were for the people and not for the businesses? hard to tell at this point

On Friday, Bank of America informed me that they were modifying the terms of my credit card agreement, imposing new fees and raising existing fees. The following Monday, they informed me that they cut my credit limit by 50%.

I need someone to explain to me why my tax dollars are being used to bailout a company that is giving me the short end of the stick.

Despite my decent credit score and excellent payment history, B of A has closed all 3 of my credit card accounts for no reason. When I called, I was told it was because I only make what they consider "minimum" payments- anything less than double the required payment is considered minimum by them.

after bailout, they turn an charge accountholders more that 50% increse on the monthly fees, can they do that ,don't you think is to much of an increse after we help them. times are very hard i don't need additional fees ,I can undestend maybe a10 or 15% but more than 50% come on I'm not that stupid

i had been in the fixed 5.9 percent through MBNA/Bank of America which i had got the card and rate through being a member of the quarterhorse association...they kept sending me email to pay or be charged late fees... in april i paid 140.00, 120.00 and 326.00 !!! i have confronted them on this with no repsonse...i would like to no where this money went?I have always made my payments in a timely matter.. all have been debited out of my checking account...

i called today to also find out that they have jacked up my interest rate to 27 percent!!!i was not informed of this... i am furious... and i will never deal with this bank ever again! i feel they are dishonest...making all these payments in one month has caused financial hardship and sleepless nights wandering! i am totally in shock over this interest rate increase from 5.9 to 27 percent..this has been and continues to be very stressful for me...

Today I received mail from Bank of America. That would be the Bank of America that is receiving my tax dollars in the form of bailout money. That would be the Bank of America that is so mismanaged that they need bailout money.

The mail from Bank of America was a notice informing me that they will be charging more fees and higher fees on my credit card account. This is Bank of America's thank you for me giving them my hard earned tax dollars so their criminal enterprise (I consider their sleazy mortgage business and their rip-off credit card business to be criminal enterprises) can continue to stay in business.

Having received Bank of America grateful thanks in the form of new rip off fees, I then called the office of Senator Lautenberg (D-NJ). As an American citizen and a taxpayer, Senator Lautenberg is an employee of mine. The Senator was too busy to speak with me as he was probably receiving campaign contributions from the likes of Bank of America at the time.

The reason I called Senator Lautenberg's office was because the Senator voted for the bailout, the Senator voted to take my money from me (the equivalent of food off my table) and give that money to Bank of America so Bank of America could raise the fees on my credit card.

Senator Lautenberg's staffer, another employee of mine did not like this so he hung up on me. My dear Senator, I demand your resignation. If you do not know enough not to hire staffers with telephone skills instead of rude jerks; then you do not know enough to manage the affairs of this country. This would explain your incompetence in your vote to bail out Bank of America.

As for Bank of America, it is my sincere wish that you go out of business. As for my credit card, you may take it and your new fees and your higher fees.

The Bank of America Master Card credit card is engaging in outrageous business practices and has increased interest rates from many customers to astronomical percentages...in my case 29.9%. When I contacted them in November they said it was because of a late payment in the beginning of 2008 and that the rate would resent in April of 2009. I have made my payments automatically through a bill payer service and they have been on time each month. They claim that the April payment was due on the 12 and received on the 13th so they refused to reduce my rate (note: the 12th was Easter Sunday).

I contacted them by phone today and they refuse to do anything. I think this treatment of a credit card holder is despicable and possibly illegal.

I currently owe $7000 on my card. Granted, I have used this card up to $10,000 and paid it completely off numerous times. I recently had a late payment for an unrelated car loan (that wasnt really ever late) show up on my credit report. B of A sent me a letter that they were reducing my credit limit from $11,000 to $8600. I called and questioned it and the rep told me it was due to a random credit check and a car payment was late. I explained to her that the car was paid off, but apparently it did not post yet. She didn't care. About 1 week later, I received a letter stating that the interest rate was going to be raised to the default APR of around 26%. I called and rejected that increase. Then a week after that I get another letter that states my credit limit was dropping again to $200 above the balance owed. Today I called about that and the rep said that because I rejected the interest increase that Im now on an automatic limit reduction program, and as I pay they will keep lowering the limit. How dare them! I have never made a late payment on anything in my life. I always pay B of A on time and my payments range between $200-$600. I dont know what their deal is or how bad that bank may be hurting, but in turn its killing my credit score.

Bank of America without prior notice lowered to my credit line from 24,000, zero balance to 500.00. Cancelled by business card with a credit line of 16,$1900 balance. Then on todays statement charged me $40.00 for being over my limit in addtion to interest and cancelled by Business Card. If have never been late on payment or paid less than $100-$500 per month depending on activity. SO MUCH FOR BALING OUT THE PREDATORS.

I have been a bank of America customer since 1978. I have placed my trust and safe keeping of hundreds of thousands of dollars in their care.

I had one personal Visa credit card -0- balance, credit limit 24,000. One business, $16,000 credit limit, Visa balance $1900 due to a recent car repair. I aways paid on time minimum $100-500 per month depending on expenditures.

On my March statement everything was fine. On the April statement Bank of America demanded $450.00 cash payment and dropped the credit limit to $500. I have been on the phone with them now 65 minutes and have learned that both credit cards have been cancelled and I am out, Period.

Who does Bank of America think they are? They are owed by the depositors and now we own them through the government bail out, and THEY CUT OFF CREDIT AT WILL WITHOUT PRIOR NOTICE. This is 4/29/09, I just received mail about the disclosures to customers after the fact, between end of March and end of April to cover their actions. I have never been political but I certainly have a change of heart. I think anyone dealing with Bank of America should pull there money OUT!

I checked my online accounts today and learned that my minimum payment went from $35.00 to $83.00 per month. This was after I requested an online statement, never got one and then got charged a late fee because I didn't get my statement on time and missed the payment. While BofA customer service refunded half of the late fee, I believe it should been all of it since it was not my error.

THEN, to add insult to injury, a week later my minimum payment was over doubled for next month. I have been a customer with BofA since 1996 and have stayed with them through all of them crap and this is how I get treated? This after I have been layed off and my husband who is a contractor cannot even get unemployment.

I recieved a call that asking if I had uathorized a charge from Vonage of my BOA credit card. I said no, and they suggested that I close the account and woud issue me a new card. 3 Days later I recieved a written notice that my credit limit had been reduced from 27K down to 13K (within 300 dollars of my credit available). I have been a 20 year customer with BOA and have paid my balance off several times and always pay on time, well above the limit.

When I called to see if there was a mistake, they would not reinstate the credit limit and could also not give me any specific info concerning the origination of the Vonage charge.They said they would reinstate my credit line if I paid off 50% of the balance.

I am very susupicious of this Vonage charge even being a real fraud charge and view this as perhaps merely a way for them to use the opportunity to change the terms of my card. I plan on paying of this card and not doing business with this company in the future. They also closed a second card which I had not used in a while without my knowledge or permission.

I am paying for something that I don't even have in my posession. I was a victim of credit card fraud. Someone got access to my credit card number and charged some mint coins to my account. The total estimated value was $1600 dollars. I have the name of the merchant who sold the perpetrator the product. Bank of America credit told me I still have to pay for it. Physically and emotionally I feel I was dicriminated against, because I have to pay for something I don't even have in my posssession.

I have a good credit score and had a fixed rate card for business use. Bank of America sent me a letter with NO OPT OUT OPTION and is going to raise my rate outragiously high. They said it would be raised in three months from the date of the letter and the new rate would be on existing balances and purchases. I complained and they said sorry, but its a business card so we don't have to provide an opt out option.

Bank of America has raised the interest rate on all my credit cards regardless of the fact that I have been paying on time for many years and have zero balance on some. THeir rep says they have no obligation to honor the original contracted rate on the frozen balance and only do that as a "courttesy" but could as well have risen the rate on that as well after closing the account. I don't believe it.

Every month I make a $100 payment to my credit card, which the minimum payment is usually $27. I have NEVER been late, if any I sometimes make a payment twice in one month just so I can pay it off faster. This month (april) I made a payment on the 6th of $100 and I received a late fee on the 27th for $39 (the minimum payment was $24). I called and asked why I received a late fee and was told because my statement ends on the 7th so I made the payment EARLY and the payment went to the previous statement, I stated that it's still April and how am I receiving a late fee and was told there's NOTHING they can do about it. And was hung up on.

Economic Damage-$39 that can't be spent on hard working Americans. Emotional/Physical Damage - Once my C.C. is paid off, I'm never banking with Bank Of America again.

I have never been late with B of A, and I have excellent credit and because I work in the Construction industry and they found it necessary to lower my line of credit because the line of work I am in is very slow, therefore concluding I may not be able to repay debts.

I have been a Platinum card holder for over ten years. I have two seperate accounts with credit limits over 20k. I had 6.9 and 7.9 interest on the accounts. I have never been even close to being late. My credit score is almost 800 on all three agencies. I was shocked when BofA raised my interest rate, especially when their getting the money at almost "0" interest from the Govt. I paid off one card 5,200. immediately and will pay off the other this year. If I use the card 'for any reason' my interest rate will triple. God, I hope I don't have any emergency where my checks won't cover it.

I had to file bankruptcy and I actually told them and gave them the attorneys name and number. They still continue to call, and all other companies stop calling and harassing. But NO Bank of America continues to call! They should be called Bank of harassment! I actually have friends who Bank through Bank of America and they even complain about them!

I was notified in writing by B of A that the credit limit available on my cards is being lowered and closed to future purchases. Open accounts without balances have been closed. B of A has reported this to the credit reporting companies and my score has been lowered.

I am in the process of purchasing a new home. The lower score is given to individuals who pay their accounts late (60 to 90 days). I have never paid any of my accounts late and B of A's report to the credit bureau is fraudulent. B of A's actions will have a negative impact on my financial future when purchasing a home or car.

The bank sent me an "important Amendment to Your Business Card Agreement" which more than doubles my interest rates. The letter is dated April 2, 2009 but wasn't received in the mail until April 23, 2009, but the new rates started on March 20, 2009. The letter does not provide any contact information on how to reject the change and close my account. It states teh decision was made because of "recent payment amount relative to the balance owed" yet the payment amount was more than the minimum payment and "percent of purchases relative to balances in last 6 months" which is ridiculous. Granted, I did go over my limit last month (by a few dollars) but that was after they tagged on all the interest AND it was the first time in the 5-year history of this card that my balance was over my limit.

I tried to call them at the number they provided in the letter (several times). Everytime I was on hold over 30 minutes and then disconnected. When I tried to call them back, I kept getting a message that said "We are unable to naswer your call at this time." The one time I did actually talk to someone, she said she was a receptionist and they were having her take names and phone numbers because it was a 90 minutes wait. However, they never called me back.

4/09 I received a letter stating that my APR would be going from 6.99% to 10.99%. When I called to reject this increase on 4/17/09, they told me that I don't understand that the cost of credit is higher. I agreed that I didn't understand this and asked them to explain it to me. The woman told me it had nothing to do w/ my perfect paying history in the past 6 yrs. or the fact that my APR had been under the standard rate for a few yrs. Their solution was for me to apply for a line of credit to pay off the card or not use the card, maintaining the APR I currently have, until it is paid off. When I inquired why they're more concerned w/ losing good customers than helping them, I got nowhere. Reminding them about the American taxpayers bailing their institution out of bankruptcy, therefore helping BOA from laying off the very employees I was speaking to, they vehemently replied that that had nothing to do w/ the credit card end of things.

Getting nowhere w/ customer svc., I angrily ended the call. Almost a wk. after my calling BOA, I received a letter dated the same day I called to complain about the APR increase, stating that my credit line had been decreased from $21,600 to $12,700!!! They have reduced my credit line down to less than $100 of my credit card balance negatively affecting my credit rating. When I contacted them about this, they again said due to the economy they've reviewed my account and that they never should've increased my acct. to the $21,600 limit, but it was done on an automatic interval w/ no attention of theirs. Because of their oversight, they are decreasing my credit limit drastically. Again, regardless of my excellent payment history, they don't care. Despite them asking to increase my credit line 6 mos. ago so they could get me to transfer the balance of another card to this account, they have now stated that I would need a co-applicant for my credit line to be increased.

This is HORRENDOUS treatment of their customers. Not only are they abusive, they are greedy, rotten inhuman beasts. My explaination of my slightly rising balance caused by moving halfway across the country after the passing of my grandmother so I could be home w/ my 81 year old grandfather, being w/o work for 2 mos. while looking for a job (maintaining on-time pmts. thru out the entire unemployment period!!!), getting married & finding a great job, they still have no care for the common problem.

I've had a credit card with Bank of America since January 2004. The original terms were a 7.9% fixed APR. I've always paid on time and more than the minimum payment. I've always paid online and USED to rarely even open my statements from them in the mail.

Then about a year to year and a half ago, I suddenly noticed my minimum payment had gone sky-high. I checked my statement online and found that my APR had been raised to I think 20.9% variable. I didn't see the notice they sent about being able to reject the increase (a mistake I won't make again.)

As the prime rate has gone down so has my variable interest rate to 16.9%. In March I received ANOTHER notice of an APR increase, (supposedly based on a check of my credit), this time to 24.9% based on the prime rate.

I have written a letter as instructed rejecting this increase. My credit score is 712 and I have been a very loyal, reliable, on-time, above-minimum, paying customer. I certainly do not rate a 24.9% variable APR, especially when the prime rate is this low.

I will continue to pay down my debt. That's my responsibility. But when it is gone, I will never bank with Bank of America in any form EVER again. I don't care if they change their policies, management or whatever. I'll be done with them for good.

Anyway, is this legal and legit, or is there something I should do.

I have been a customer of Bank of America for 29 years and have a credit card that I pay off every month. I previously had a credit line of $22,500. Bank of America sent me a letter dated April 7th wherein they informed me my credit line would be reduced to $11,500.

I called to ask why my credit line was being reduced and was told that because of the historical way I use the account? (i.e., paying it off each month) they determined I didn't need such a large credit line. And that they could reassign credit lines if it didn't negatively affect the customer. Upon expressing concern about how this would affect my FICO score because I plan to do a home refinance in a few months, I was told it wouldn't have a negative effect and my credit score was excellent and was over 800. But, of course, a reduced credit line does in fact negatively affect a customer.

When asked if this was one of the banks responses to the stress testing going on, it wasn't denied. So even if one has been lucky and not yet brought down because of this economy, this bank's practices are now handicapping its customers future financial abilities.

I have lived in a communist now socialist country in Europe and this is how they do it over there. I have closed all my accounts with Bank of America and will never do business with them again. Now, the only money they will be getting from me is the tax money they steal through Congress! I didn't vote for the fools who approved these bailouts and now I will be "actively" working to educate the fools who did vote those people in as to the consequences of their actions.

I am furious that these "banks" can just automatically think that if they are losing money than lets get more from the people we gave it to! Its not fair and something has to be done. There will be more defaults on these new apr's and the banks will just suffer more. What can I do to keep the same apr and still use my card. Is there any help out there?

I have been a BofA customer for about 15 years. Recently I was informed that they were raising my interest rate from 12.99% to 24.99%. When I called I was told that the cost of loaning money has increased and that is the reason. I was told that if I wanted to keep my current rate I can, but my credit card would be cancelled when the balance was paid off and that if I charged on it my interest would go to the 24.99%.

How can they change the rules on a balance that I agreed to pay back at 12.99%. I confirmed with them that I had not been late in a long time...maybe years but that didn't matter. Only after requesting that a manager call me back was I told that they searched my credit and saw something.In addition to this latest stunt I have had to ask that over draft charges be refunded because they said I was over drawn on the same day my paycheck gets automatically deposited.

I have been paid every two weeks for the last ten years. The last stunt they did was raise my wife's interest rate to 28% because they said the payment date had changed and the auto bill pay was a day late and didn't cover the minimum payment so the next auto payment was also late because it didn't take the late charges into account. I really dislike BofA and think the way they treat their customers is terrible. I will work on removing my money from their institution.

They sent me an application for a secured credit card with a limit of $500, if I mail out a check for $99. I receive the card, tried to activate it from my daughter's phone, but they replied asking me endless questions like who lived at my address (everysingle member) etc. and they said they couldn't activate the card because it seemed like a fraud. I went directly to a branch with my daughter (the one they said called them to commit fraud on my behalf) and requested my $99 dollars back, the said I will receive my refund on the mail, but it's been over 3 months and I haven't received my money back

This is such a lie, they want people like me, who's trying to stablish credit, to send them money, they won't approve the account, no matter they sent you a card, and they will just steal your money. Supposedly bank of America is a trusted institution and they still lie to people, so at this point I don't know who should I trust anymore.

I have been a CC holder of MBNABank of America for 12 years. Today I went to pay my monthly bill like I do the 20th of every month only to discover I had a late charge. I found this totally odd since my due darte is always around the 21st to the 23rd of each month. I then noticed my due date was the 16th. I looked through my mail, emails, went online and there was no notice of a change of my payment due date. Then I looked at the statement and it did indeed say the due date had changed this month.

I decided to call customer service and the woman could not figure out why this had happened. Then she said I should have paid attention to my statement and seen my due date had changed. She went on to say the due date can fluctuate monthly. I told her I know it fluctuates a day or two every month, but never in the past 2 years has it ever been before the 20th. I do not pay attention to my statements except to check every month on the 20th when I pay to make sure there are no discrepancies. I said this was upsetting especially since I se tthe due date a couple of years back to the 23rd of each month and they just went and changed it this month and did not send out any notice except for a small blurb on my statement.

The customer service rep was very rude and said that it is basically my fault for not checking my statement. I pay on time every month and this is how they repay me. They did offer to negate the late charge but I am still angry because I find this very shady business practice and the rep was not nice at all about this. I guess it doesn't pay to be a good customer who pays their bills on time. This company gets bailout money and then they do this. If my credit was shaky and I didn't care much I would max my card and then declare bankruptcy basically telling them to F-off. Bank of America sucks!

Have been with them for several years as my credit card was originally MNBA which was bought out by BoA. Always pay on time and extra, I do have a higher balance at this time because of the economy. Well long story short I had a 12.99 fixed interest rate, I now have a variable rate which is currently 22.99 starting in May.

I called was told it was just the economy and called again and was told it was my balance and it did not matter to them that I am a good customer and paid on time or extra they decided my debt ratio is to high. I asked what my new payment would be on the balance due at this time my payment will go up $134.00. It will be a struggle to make a larger payment at this time. They told me I can reject the rate increase but that I could not use my card again, and if I did the new rate would apply to the whole balance.

I don't think it is fair that they can raise the rate on the existing balance if you are paying on time and are current on your account. I have never been late on any payment to them. Time to make the banks get in line. If we tried to do something like this we would be charged with extortion. But they can get away with anything they want as long as they send you a letter before they do it.

I will have to reject the rate increase which will make it a lot harder to make it till things get better. My husband is currently working one week on and one week off, till lumber market gets better.

I like, many others, recently received notice my limits were being capped and the rates on the 2 lines of credit I have with BofA will be increasing dramatically. These changes were given due to regional economic trends I was told and the only way to avoid them is to pay the account in full. I've been a customer for over 5 yrs, have a perfect pay history and a credit score over 750.

Due to these changes the minimum monthly payments between the 2 accounts will be tripling. I'm undecided as to struggle immensely and pay the minimum until I can pay the balances in full or to walk away from the accounts and tarnish my perfectly paid credit history.

decrease credit limit /closed/blocked credit cards. stated some fraud on my account. no follow-up or written explaination and when you telephone they aren't aware of anything, now state some unusal activity on my credit profile

cause a financial hardship and the customer agreemnt is in effect and this is against all binding agreements

I have a Visa Credit Card with Bank Of America and have been a loyal customer since 1994. I have a credit balance of $17,430 on the card. They recently increased my rates and did not notify me of the changes. I read my mail and did not see the addendum that they mentioned they sent out. I am shy of being maxed on that credit card, so it really didn't make much sense that I wouldn't agree to their new terms given in their addendum that they said they sent out (which I didn't receive). I've outlined the increases below. The interest rate increase has me paying approximately $3,000 more yearly. I followed my original contract that they subsequently solicted to me years ago. They changed the terms of the contract by more than 25% with no explanation.

I have a good credit score and don't have any past credit history problems with making payments. I've spoke to more than five customer service representatives and they have not done anything except tell me to write the reconcillation department. I have done that and have written the CEO. The only response received was a template letter with an enclosed addendum. I don't feel that their practices are ethical, therefore I've writeen congress and am taking them to the small claims court. I want to see that not only my interest rate goes back to the amount per our intial contract, but I want to be reinstated the money in interest from the rate increase I've been paying in order to keep my credit score in good standing.

My rates prior to January 28, 2009: Category Daily Periodic Rate Corresponding Annual Percentage Rate Balance Transfers 0.002739% Fixed 1.00% Fixed ATM, Bank 0.021643% Fixed 7.90% Fixed Purchases 0.021643% Fixed 7.90% Fixed Other 0.021643% Fixed 7.90% Fixed The rates that became effective as of January 28, 2009, that I wasnt notified of: Category Daily Periodic Rate Corresponding Annual Percentage Rate Balance Transfers 0.042438% Variable 15.49% Variable Cash Advances 0.042438% Variable 15.49% Variable Purchases 0.042438% Variable 15.49% Variable This is part of a letter I wrote to the CEO and I have also posted it on several message boards. I also have wrote to congress. I am hoping others will take the same approach. I find the practices of Bank of America to be unethical.

The Consequence is that I'm paying approximately $3,000.00 more per year due to the interest rate increase. The increase in interest will eventually leave me behind in my payments, resulting in a negative credit score. It will have a negative effect on my ability to get future credit when buying a home or car. It will have additional effects on my living situation which worries me.

So, heres the policyA $35 fee for each time a charge over your funds is ATTEMPTED. As an example, recently I unknowingly was making charges on my debit card when I didnt have the money to cover it. The charges were numerous but only totaled $23. Thats $23. One charge was for $.27 cents for which I was charged $35. B of A charged me over $400.00 in overdraft fees for that $23 overage. I called Bank of America to try to find some relief for these charges and was told no. Seems counter to the flexibility? and understanding for families that the new administration is trying to get in return for billions in bailout dollars.

Look a little deeper and the practice is even more disturbing: 1. You cant actually just get an option for a decline on your charge without the $35 fee. So, even if you dont have overdraft coverage, you will still be charged $35. Since technology has allowed banks to simply decline a charge, I dont understand how BofA can justify charging a $35 fee for each charge versus just declining it for FREE. 2. BofA says the only way to protect against this is to link a BofA credit card or a savings account to your overdraft checking. So, an over-limit charge is charged to your BofA card or deducted from you savings account. In both cases, BofA makes money either through interest on your credit card or from service fees on the savings account that you are required to have. And, by the way, the overdraft service also has another fee associated with it.

As if that werent enough, BofA recently increased the allowable number of charges per day from 5 to 8. That a $105.00 per day increase, per cardholder. The bottom line is that I dont want my money back from BofA (though they should have at least treated me better considering I hold six accounts with them). I, like the many Americans flooding blogs with similar stories, want justice. I would like this issue explored fully and for Bank of America to be called to answer for this unfair practice. I was less than responsible for letting my account go overdrawn by $23. Thankfully, my wife and I make decent money and can cover this amount. Just think how Americans with lesser incomes would struggle with this.

I recently paid down 12,000 in credit card debt and had a balance of 0, when I received a letter in the mail stating that my limit was being reduced by 7,000 because of information found in my credit report. I checked the same report and found no such thing. My credit score was actually about 100 points higher than when I first go the card. Then a week later I received another letter stating that the account was being closed altogether. This has made my credit score go down about 50 points.

So much for helping small businesses. I just received notice yesterday on my business credit card from Bank of America that it is going up 10% from 9.99%. I've had the card at that rate over 5 years and paid on time.

How can a business survive when credit is the means to growth and hiring employees. And how can anyone trust these banks again. I feel we are not hearing the real tragic stories from other businesses but maybe this is just the beginning. I also wonder when mortgage companies start changing their mortgage rates crying that the economy is hurting them.

When I paid in full my March Bank of America credit card bill of about $5500 online, I accidentally checked a funding account (my local bank)which did not have sufficient funds rather than my Schwab account which had ample funds. On April 10, I noted that I had been charged a fee by my local bank for insufficient funds, realized my error, and paid the bill in full from the Schwab account. Bank of America received the payment on April 13. Nevertheless, on April 15 Bank of America re-submitted the transaction to my local bank, which again charged me a fee and denied payment.

When I called Bank of America, I was told that they automatically re-submit transactions regardless of whether the bill has been paid from another source and that they could continue to re-submit for payment as many times as they wish. The only way I could be sure of stopping the process was to deposit funds in my local bank to cover the original transaction, which I have done. No doubt I will have several fees added to the April Bank of America statement and needless to say, I shall cancel my account as soon as possible.

One extra NSF fee from my local bank and no doubt fees beyond a late payment fee from Bank of America.

I wanted an Alaska card to earn travel miles. Currently I use Am Exp/delta or capital1. I have excellent credit scores and pay in full. The BOA customer service was very invasive and beyond even a bank loan. I understand caution, but they have access to credit scores and their interview process even wanted personal investments and savings accounts.

I WAS TREATED POORLY, LEFT ON HOLD WHEN I ASKED TO SPEAK WITH A MANAGER, AN AN OFFER WAS MADE TO WITHDRAW MY APPLICATION. I have complained to their customer relations via e mail as they cut me off or rerouted me to menu. Wanted you to know that I would like to use your airline , BoA is the worst to deal with. I wonder if they would have treated my husband so shabbily.

I flying to S. Carolina, (would have charged my tickets) am driving back to MOntana in a motorhome I am purchasing with cash. Would have charged numerous $100. per stop fillups, plus restaurants , campgrounds to this card, which would have translated to travel miles with Alaska. We will use our capital 1 card instead, which will go to other airlines. The timing could have worked as my husband filled out the on line application sometime ago, and we had't heard anything til today when I called and they we just sitting on it. It ould be interesting to see how my husband would have been treated versus the treatment I got.

Bank of America is raising my fixed rate credit card from 7.9% to a variable rate of 12.9%, regardless of the fact that I alway pay my bill on time, pay more than the minimum and have been a responsible customer. They also decided to lower my credit line even though my credit score is excellent and has not decreased. They can't seem to give me a valid reason for this when I call except for the current economic conditions. When I signed up for this card in 2003 it was advertised as a fixed 7.9% rate as long as I did not default on the payments. Well I've held up my end of the contract too bad BofA doesn't have to hold up there end. I think its reprehensible they can continue to do wahtever they want.

I will have to pay more on my outstanding balance and have less credit available to me. Subsequently I will have less cash to spend, that will not be going back into the economy.

Bank of America stole 12,500 credit card points from me! I transferred points from one Bank of America credit card to another Bank of America credit card. Sounds simple and easy. So I thought. Until I looked at my credit card statement and noticed 12,500 points missing. So I called B of A, and spoke to a friendly representative who unfortunately was not able to help.

So I spoke with his boss, J. Gomez. Mr Gomez told me that transferred points expire in 90 days. I was NEVER told this, emailed this, or in any form notified of this rule. If I was properly informed of this, I would have used the points. But I was not notified so I did not. Now I'm out 12,500 points! Very sneaky business practices by a bailed out bank that doesn't need any more bad publicity.

They doubled the interest rate on both of my credit cards. I have paid on time and have always paid more than what the minimum payment has been. I have very good credit.

I will no longer do business with Bank of America and will not have any credit cards. Since my credit cards were used for home repairs or emergencies, I will be saving all of my money each month and not making any unnecessary purchases. I may only be one person, but this will have a negatice effect on the economy.

I have been a Bank of America credit card customer for 10 years. I had a balance of almost 16000.00 @ 10.74%. I am in the process of selling a rental property and paying off some of my debt with the proceeds. In March, I paid my credit card 1 day late by accident. BofA raised my interest to 24%. With my minimum payment well over $500 a month. I have never paid them late before. I called them and explained to them that I can not make that payment. I have many bills but I'm still able to stay afloat with minimum payments until I sell my house. They said they would not lower my rate back to what it was. They referred me to CCCS. I said I didn't need to go to CCCS.

I can still make my monthly payments but if they insist on jacking me up to 24% then I can not make the payment. They wouldn't budge. What makes matters worse, my father and sister own a small business and they use Bank of America credit cards. Since my name is the same as my fathers and I lived at home with him 10 years ago for a short while, the computer crossed referenced my name and my fathers name including similar phone numbers and completely shut down all their credit cards they used for their business. I'm outraged! My fathers and sisters business has nothing to do with me.

BofA is using Gestapo tactics. What gives them the right to affect other people in my family? What gives them the right to force me into CCS or possibly bankruptcy? I'm a hard working american citizen and i have never paid any bills late in my life! Now I'm being treated as a second class citizen and as of today, I am entering the land of non-payment because I can not pay them. Not sure what to do. My plan is to keep paying all my creditors except BofA. They are destroying my life!

They are destroying my life! They are forcing me into CCS or bankruptcy when that is totally not necessary. They will not lower my interest rate. I can't afford to pay them.

Over charge of 35 USD every month. My credit card is charged nearly every month in 2008, and for Oct, Nov, Dec, I was charged and still did not get my money back, my payment are paid before due dates, what goingon

I cant get the right person who in charge, what shall I do. This is like stealing in broad daylight. Which all also bringe my credit rating down. Before I could get hold of them now you have to pay 12$ per year for their night service. What game is this.

This has brought my credit rating down, and they sa I am sorry when they charge me all most every month. Now its inpossible to get hold of them.

Lynne in Santa Ana, CA I have a gold option account that I verbally agreed to over the telephone back in September, 2007. The gold option account was supposed to be $50,000.00, but with interest the total amount that I have to pay back is $54,300.00. The amount due per month: $802.00 Periodic Rate Finance Charge per month: $520.82. Annual Percentage rage 13%. Things have changed for my income wherein I have lost $3,000.00, since September, 2007. My income is fixed, I am retired and only get Social Security and a small pension. Bank of America is calling me weekly demanding the $802.

Last month, March, 2009, I only could pay $400.00; so they added the $402.00 to the amount due for April, 2009; $1204. I have told eight representatives of B of A that I do not have the $802.00 payment due to my reduced income. I have to meet an extremely high mortgage, half of my income, plus utilities, groceries and gasoline. Bank of America has been told by me that I cannot pay the $802, but I am up for half a month, $400. My reply that I have received eight times is that B of A will reduce the interest on the gold option account. But my payment will go from $802 to $875. Great this really did not work; It's the out of pocket monies I want to fix! Bank of America's answer to me each time is that I must pay off this $47,153.68 in five years.

My husband and I are about ready to tell Bank of America to go ahead and sue us, because we cannot pay such a high payment monthly ever again. We borrowed money from one of our credit cards, $3,000.00 to pay down the gold option account, but it did not make that big of a difference. Silly me. Bank of America's representatives seem to have no responsibility to make a decision to lower a payment. I have written many letters to Bank of America but to finally receive a call from collections and the rep. offered me the lower interest but the higher payment, from $802 to $875. Right now I cannot pay the month of April, 2009 or May, 2009. I am not sure what I can do except to wait for Bank of America to take action against me. What to do?

On 4 April 2009 I received a notice from Bank of America increasing my interest rate from 6 to 12 % without warning or cause. When I contacted the customer service number, I was told that my situation was unique and was going to be escalated to someone else. I have names dates and times of these calls. I was told that the persons necessary were in a meeting and they would call me in an hour. No call.

So I went to the local branch in Frisco, Texas and spoke with two seperate employees. I requested that they would explain this process and how after having nearly 170k in their bank that they would do such a thing to a good customer. After pushing forward with the branch manager, the branch manager was suprised to find no help with the bank officials at FIA card services, BoA's company that handles Consumer Credit. Essentially I noted that this treatment would require me to file a complaint with the OCC office in Houston. I asked what criteria was being used and how many letters were being sent out. I was told that they would could not do anything for me at this time.

Additionally, the branch manager informed me that my other credit card was being closed at that very moment. Again without explaination. This card is interesting in that it was given without request to me only two months prior. Apparently the credit analyst, whose credentials she would not provide, decided that the bank had reviewed the file and closed the account. All of this after demanding to have someone explain exactly what was going on with this arbitrary rate increase. Later in the week, I recevied 3 letters all dated 4 April 2009, a Saturday, that after careful review that all my credit lines were being cut to the current balances. This prompted a personal review of my credit report that turned out to show that no such inquiry took place at the time described.

In short I believe that this constitutes large scale and systematic wire fraud. As I understand it the call centers were across state lines, in Utah and Maine, and the individuals caused damage and loss of funds and financial hardship via intentional misrepresentation of the facts and provided me with incomplete and misleading data for their benefit. TITLE 18 > PART I > CHAPTER 63 > 1343Prev | Next 1343. Fraud by wire, radio, or television How Current is This?

Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation affects a financial institution, such person shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

Damage to my credit score, potential liability for over limit fees and costs as well as other unspecified potential emotional and financial damage.

Have been a BOA customer for a few years. We have two credit cards with them. BOA purchased these from other institutions. We carry a balance on both but are not close to our maximun. We transferred monies into these accounts which had a zero interest for a year. We did this in October. This past week we received notice that the interest rates will be revised to 15% on both cards. This was not the agreement, even though I realize they can do what ever they want.

Simply very poor customer service. I don't understand why BOA can enter into an agreement and then not bind by it. If I use the bank to purchase a car, I can't change the agreement after the fact. Poor...very poor. Hopefull this will be agains the law soon.

I have a credit card issued by Bank of America. The account is billed a month in advance. My April 2009 payment was two hundred and some odd dollars. In March 2009 I sent $500.00 as April's payment, which Bank of America processed on March 9, 2009. I later checked my account online only to find that Bank of America claimed that I had failed to pay April's payment and that my account was now over the limit and they said I now owe $500+ dollars.

I called twice to find out what happened and was told that my payment had not been received by April 3, the due date(date after which payment is late). I asked what they thought the $500.00 payment in March was for and they said it was just a payment toward my balance, but not my monthly payment, because the B of A system processed my payment one day to early to be my monthly payment. I was told that if my payment had been processed on March 10 it would have counted as my April payment. In my mind this is outright stealing, and if Bank of America is doing this to me, they are probably doing it to others.

They 'CLAIMED' I didn't make my April payment when I DID, so they could charge me a $39.00 late fee, and because of that they are entitled to raise my interest rate to 29.99%. Furthermore, the actions of Bank of America have produced a derogatory comments on my credit reports, and they are creating financial gain with funds they are not entitled to. PLEASE help! I would be more than happy to speak with an attorney.