Bank of America Credit Cards

Today I was unable to file a transaction dispute online. Had to call 866 number instead and speak to someone who requested my login information, my Social number, along with information about the transaction that I am disputing. So that my neighbors could hear all this. Then I am told to send the sensitive information to Texas by snail mail or by fax. This puts my identity at risk and I am not doing this. This is how Bank of America treats their longtime loyal customers who have never missed a payment and have excellent credit score. I am very disappointed and will stop using credit cards with this bank altogether. I do not recommend this bank to anyone; there are far better choices.

For years, I have routinely made phone payments through Bank of Am's automated system on two credit cards. Today when following the usual routine to do so, I was shifted to customer service in Atlanta Georgia and asked strange questions to verify my identity so I could make a payment. When I told her how odd this was, she told me that this was standard operating procedure and I was wrong. It was impossible! After 15 minutes of nonsense of the person asking questions that were not even close to my address where I have lived for over 30 years or persons I did not know with my last name, I told the person I was an attorney and wanted to speak with a supervisor.

I came to BOA for a credit card 18 month interest free so I transferred another credit card balance to take advantage of this service. I set up my payment accounts to make online payments, made my first payment from my savings account. BOA processed my payment as a checking account payment which caused my bank to refuse payment, which caused BOA to charge me a late payment fee. All things in this process are understandable BUT when I went online with BOA to get my card paid I was totally locked out of my account.

Their terminology on credit card eBills are at odds with the ones on the statement. For example if you were to map “Account Balance” on the eBill to mean “Current Balance” on the statement then you would be wrong. If you were to map “Amount Due” to mean “Statement Balance” then you would be wrong again. I do not believe that these are innocent mistakes.

While this credit card works fine most of the time in the United States, it has been useless while traveling internationally. The usual response is for the transaction to be declined and an alert to show up on the BoA mobile app. To complete the transaction I use the Barclaycard Arrival+ card which works every time and sends me an email notification of the transaction so I can detect any possible issues. Very different and far superior approach to that of BoA. I like BoA for my other banking needs. They just fall flat in this area.

I waited 30 minutes to get customer service. They didn't apologize or anything even after I mentioned that I waited 30 minutes and asked them if they had server issues. Chase and Capital One are much better! The longest I wanted was 2 minutes to get to customer service.

I've been trying to find out if I'm even covered for an issue I had with a hotel reservation not refunding me for a last minute cancellation of their own sponsored event. This was my whole reason for even using my BOA Rewards AMEX and not my debit card to begin with, in case God forbid something happens. SO now I have spent 2 days and several hours later and still have zero help. I called the number on the back of my card which connected me to BOA, they told me I had to talk to AMEX, then I was transferred to AMEX who told me I had to talk to BOA. Then this circle went on forever, in my 2nd call trying to resolve this and just get an answer I was transferred 6 or 7 times between BOA and AMEX. So I guess no one knows what they are doing and even though your card is supposed to come with benefits you can't actually ever utilize them since no one knows anything.

In September on a trip to Rocky Point Mexico, I bought Latisse from a local merchant. When I got the product home and opened the sealed box, I discovered that the a portion the seal on the cap of the plastic bottle inside had been broken; the plastic top of the small bottle had been cut off; and the bottle was completely empty. I called Bank of America credit disputes and got a temporary credit for the purchase. Despite sending pictures and offering to mail in the fraudulent product, the credit card company is making me pay for the product. Their reasoning is that they cannot prove that the merchant sold me the product in this condition. Needless to say and even though it is not a large amount of money, I am furious that a merchant can (deliberately) sell a fraudulent product and the customer has no recourse.

I have been a LONGTIME client of Bank of America for "Personal & Business" banking for near 30, THIRTY years!!! Though, when I wanna try to do all my business with 1 bank, and transfer a balance to their Rewards Card, the experiences have been awful carrying this card!!! The customer service in this department Doesn't Matter and they Don't Care, as if they aren't even associated with the good name of Bank Of America and the years of customer service I have received from their outside branches!! I have been with the bank since it was Nations Bank, long before it became Bank of America. Having this Rewards Card has shown me a big difference between what quality of service is. The credit card department is poor quality, and they are about to lose a Preferred Client, whatever it means to them.... Very disappointing!

Bank of America has the worst credit card available. If you need help, you can't call customer service to speak with an associate. The voice machine only gives you certain options. If you don't answer what it wants, it hangs up on you. If you will download the app, then you can actually speak with someone. I did not want the app. I have too many apps on my phone already. Why couldn't I just call?!! Secondly, they have the highest interest rate of all of my credit cards. When I was able to speak with someone, they refused to lower the rate. So, I will only charge a little once in a while and pay it off immediately so it doesn't cancel and hurt my credit.