Bank of America Credit Cards

Was a three year customer with BOA. WAS NEVER LATE WITH PAYMENT; Last month I was traveling extensively and was late a few days for payment. They flat out refused to reimburse a $29 later fee as a one time courtesy. I closed my account as a result, not that they care; Don't waste your time or money with this stingy ridiculous bank.

I don't miss payments and my credit score is valuable to me due to my business. There was a card I don't use that had a charge come through for $25 while I was in the middle of moving and changing my address and bank. I went online and quickly changed all of my information. They decided to not allow the auto pay transfer and allowed the charge of $25 accrue interest. They never contacted me which I thought was strange. I didn't know there was a payment not going through and they let it run out over 180 days then charged off my account.

I closed this account with zero balance and due to a clerical error in which an employee had to refund me $200 she took $200 from a close credit card and put it in my bank account without me knowing it. Now two month later I get a letter from Bank of America $294.96. I have explained to the credit card manager who says Felix ** that I requested $200 from a closed account to put in my bank account. That is obvious a human error on the bank or their credit card employee. I find that this credit card Word Elite Mastercard by Bank of America is risking the customer credit history with these kinds of mistakes and employee. When you call to complain they just tell you that you owe the ridiculous amount of money when you believed you closed the account with zero balance. It cost them with me at least my business because I closed all my accounts with Bank of America. It is really a shame this way they have to conduct business.

I made payment for my credit card and Bank of America said I made another payment. I never made the payment but I took their word for it that I did make it in error. I have called Bank of America seven times this week with no luck at all.

So, yesterday I received a notice about a disputed charge that dates back at least 2 months, that they need more documentation about. I have an email from one of their reps indicating that they had credited my card back then, and thought my case had been ratified by now. I try and look up that charge on a past statement, but only the last 2 statements are listed on my account online. They're closed today and have limited telephone hours of operation (it's Sunday).

Say they base their late fees on your past history after telling you to call back a month ago and it will be straightened out. This time they claimed they put me through to a manager Daniel (probably not a manager or real name). Said he could lose his job if he credited me anything--'had to follow bank policy'. No attempt to work anything out on the bank's part! I even set up auto payments prior to this to prevent such late payments (after getting charged a 25.00 fee and next month 35.00 late charges--why is there no forgiveness for a 'one-minute late' payment fees and even more why are the late charges different--Seems they charge what they want to.

I paid my balance IN FULL. I even paid it online to make sure there were no other charges, interest, etc. Furthermore, I got confirmation back that it was paid in full and that my balance was now ZERO. Now I get a bill in the mail charging interest, even though the statement itself says I paid the previous balance IN FULL. I called, and they refused to credit the balance (less than $10.00). Fine - you'll get your little bit of extra money. But don't expect any further business from me!

I made a dispute with Bank of America that vendor did not receive money after a cancellation of dispute, for 6 months they are telling they have closed the dispute. It is 1200 dollars and vendor sending me letter that they did not receive money. I am so tired with it. Suggesting everyone close their credit card as soon as possible. They are not giving my money back and sending me the same letters again and again. I am going to make a complaint against them to finance bureau. That is the only option that I can think of right now. It is so frustrating.

I have been trying to resolve two credit card disputes with Bank of America for 6 months now where I was charged incorrect amounts by merchants. The process has been convoluted and confusing. I submitted substantial evidence for both claims, have spoken to about 10 reps who have not been helpful. The customer representatives often do not have accurate information. When I request to speak to a manager, I'm rarely put through. My claims continue to be denied despite providing clear evidence and speaking with multiple customer service reps. It has been made clear throughout this process, that Bank of America does not value protecting the consumer rights of its clients. I will be canceling my credit card with them.

Bank Of America Credit card service is very bad, They simply follow what every system does. I paid my credit card bill 5 mins late and called customer service to waive the late payment fee. Customer service reps are very strict and not willing to manually override the late payment fee. Be careful while using Bank Of America's credit card, it happened the same with another credit card like the Chase, when I called they immediately waive it off. Bank of America is very strict and not customer friendly. I stopped using that credit card.