Bank of America Credit Cards

Bank of America's automatic payment software is faulty, customer service is hard to get a hold of because of long waits, and the particular person that answered my call was rude and kept me on the phone for long waiting time. I set up automatic payments with a person from Bank of America in January 2019 because I was charged a $25 late fee for the month of December 2018. I wanted to make sure I would not get any more late fees with Bank of America and was helped over the phone to set up the autopay. Apparently 6 months later (since I haven't looked at the account until now) I was charged $38 per month for a 'late fee' even though I specifically set up the autopay to avoid that. My payment was going through on the 6th vs the 5th, making it one day late.

I do not trust this bank! Customer service is horrible. Fees are constantly being charged without reason or explanation. I called to ask why and was never given a full explanation. When I asked to speak to a manager, they are always on another line. Closing my account! They do not deserve my business! I am a loyal customer, I pay my bills on time and am still charged with hidden fees. I deserve better service!!!

Do NOT get a Bank of America credit card. A building in my neighborhood hadn't paid for fuel and the people were freezing. As a kind gesture, I gave a fuel company my credit card, authorizing them to pay for fuel for that month. It was a one-time charge. A few months later, this fuel company provided fuel to the building and tried to get the owner to pay. When the owner kept giving them the runaround, the fuel company -- thieves!! -- found my credit card info (they had kept it without my permission) and charged over 10,000 dollars!

This is the second time I am getting frustrated with BOA and writing review within a month. First one was when I made a payment for BOA credit card, BOA withdraw my personal bank account twice back in May and caused me overdraw, and had to go thru all of their bad customer service to get it solved. This time, I received a called from BOA yesterday telling me my account is past due and charged me $25 late fee while BOA charged me TWICE just few weeks ago. My statement closing date is 7th of the month, and payment date is 4th of the month.

Glad to see I'm not the only one with a bad experience. BoA makes it all but impossible to reach a real person by phone, but what choice do I have when repeated attempts to deal with them online fail because, even though I provide my password and answer several ID questions, I can't enter a "code" they claim they've sent to my mobile phone but I never receive. Latest outrage was that I never got most recent billing statement, only an email saying I'd missed a payment. When I finally managed to get thru to a real person, I was told the higher-than-expected balance due was because of "interest" on my "revolving" account. The rep couldn't seem to understand that I always pay the full balance every month and never authorized "revolving" any unpaid balance.

I have a credit card of BOA. I set automatic pay bill for all my credit card. But BOA has very bad IT serve and customer service. At the beginning, my automatic pay setting worked. But one time failed and charged me late fee and interesting fee. I called them to argue. They said it was my fault. Disgusting!!!

I have set up auto pay from B of A checking account to BoA credit card and the -- auto pay stops SUDDENLY and SILENTLY. Then these $38 monthly late fee is charged for several months amounting to $350 :( while I wonder why my balance on this damn card is not coming down! I have signed up for text and email alerts from them to my mobile and email ID. But when I went to resolve this they said: they had sent a SNAIL MAIL that the auto pay is going to end soon - haha. I also hear it's a Federal regulation that they have to send a "letter". Good. But that's an archaic method of delivery. Why NOT, alert me ALSO electronically, that I have to sign up again for the auto-pay? It's a trap set up by BoA to falsely make customers pay fabricated "late fee". THIS AFFECTED MY CREDIT SCORE VERY BADLY!! BoA: You owe me money! Please return it!! OR MAYBE A CLASS ACTION LAWSUIT WOULD BE MORE EFFECTIVE?

I was a BofA credit card user for fifty years. I paid the card monthly by automatic withdrawals from the bank -never a delinquent payment. BofA unilaterally cancelled my card with no explanation. When I tried to use my earned dollars (about $412) to pay part of my last bill, they said my earned dollars were cancelled along with the card. So, they really are not earned they now say, they are provisionally earned and can be rescinded. My refusal to pay the $412 that I supposedly had earned has resulted in BofA destroying my credit and about 30 harassing calls a week from BofA. I would recommend you use another card with less deceptive advertising.

I received a text from alerting me of fraudulent activity on one card. To call the 800 no. Been trying for 2 days. They put you on hold forever, tried holding for more than 20 minutes. Can't do it no more. Overall this is one of the worst banks when it comes to customer service on their credit cards.

I paid off the balance BOA CC on 5/16, but BOA pull the same amount from my bank again on 5/16 and caused me overdraw my personal bank account. Also being charged for overdraw fee. When I tried to call BOA to figure out what has happened, but I was being transferred 5 times and when I finally transferred to the right department, the customer service is the worst I have ever had. The person was giving me attitude, didn't give any solution to solve the issue and told me to contact my personal bank to figure out. I am having hard time to reach anyone at BOA for this issues and no one is calling me back either. I am now with negative balance in my personal banking account, and not everyone has back up money for emergency. I need an answer and clarification from BOA.

I've had a Bank of America card (Alaskan Airlines) for over 25 years... While overseas I had a new credit card sent to me as they said mine was compromised. It was sent to US address. I had then send it to me overseas in a remote area. I did not receive any billing from them perhaps because I had not signed card yet. I could not access my online info as new card had different number... When I asked for card to be sent to me (which they did efficiently) I paid my overdue bill (...I have been paying the same way for over 9 years.) I found out it had not been paid but returned.

I have set up automatic payment is $500 to be deducted from my checking out on the Due date every month. I just noticed now that the automatic payment was set up for DAY AFTER the due date and Bank of America has been charging me 38 every month for late fee. I just noticed it on the breakdown of the balance. $500 was deducted every month from my bank but $38 was going to late fee and the remainder $427 was applied on the balance. When I called and complained, the agent said “I should have noticed it before” and she can only go back for 3 months!!!

During a financial hardship a few years ago, I worked out an agreement with BOA to draft a minimum payment out of my checking account each month. April of 2018 I noticed my account was charged a "late fee." I asked how this could be when they draft the money out of my account! I called and they removed the late fee and brought my account current. Apparently, the person manually entering in the payment when they received it entered it in a day later than the due date causing it to be past due. I have not looked at my account or statements since, until March of this year (2019) and I discovered that since October 2018 up until February 2019, it showed I had 5 straight months of late fees again!

I have had a credit card thru Bank of America sponsored by Allegiant Airlines for almost 2 years. Never have a missed a payment on this card. Out of the blue, they closed my account stating that after a recent review of my credit the card should be closed. Even though I've never missed a payment they still closed it.

Approximately 8 months ago I was visiting with a personal banker who was aware of my prior credit issues after losing my husband. I went in one day to make a large deposit. Between her and a Merrill Lynch representative they both told me to apply for an unsecured credit card to rebuild my credit after a bankruptcy. One of my credit cards with them was included in the bankruptcy. I reminded them of the bk. The application for unsecured card was processed there at the Bank. I was denied. Now I have an inquiry from Bank of America on my credit report a hard inquiry that will stay there for quite a few years. Why would a banker's give you that kind of advice? They're supposed to help you

I had been hovering around 840 to 850 credit score for years and I have also been a customer with Bunch of Ax for over 25 yrs - now I know why they have this nickname I got from a former employee of theirs. Trying to simplify my bills tried to set up auto pay thru them and their system messed it up and for two months straight; it would say it was going to post my payment then wouldn't do it. I got no notices of late payment - instead they went direct to nuclear on me and reported a missed payment to the credit bureaus. Dropped my credit score to below 750. After explaining this to their customer placaters and filling out their useless ream of paperwork to explain the situation no response from them for over 5 months. Worse customer service ever experienced. I am not doing any more business with them. I just keep my card open and will charge a pack a gum a year just to keep it active and let them eat the processing cost of keeping the account open.

I am enrolled in autopay and paperless statements. For the past 12 months I have received emails confirming my payment. Every month! So I didn’t check my online statements. Should have! Every month I was charged $35 late fee on the same day my account was set to auto pay! No phone calls. No email saying I was charged anything in addition to my auto payment. Terrible customer service that it goes unnoticed for this long. I called and they said autopay was set up the day after the payment was due. WHY WOULD SOMEONE PICK A PAYMENT DAY THE DAY AFTER IT'S DUE??? I don’t believe I would have! Every month I paid on the same day. I will be closing this account immediately and never doing business with Bank of America again.

I applied to a BOA offer for an interest free card till Sept 2020 with a no balance fee for 60 days. I had 900 dollars transferred and on the first statement I was charged a 27 dollar transfer fee! in speaking with customer service they were courteous but said because I applied to an offer thru Credit Karma ad - a "third party" the no transfer fee did not apply and they would not refund the fee-the no fee ad is why I applied in the first place! I feel this is false advertising and will be canceling this card shortly -- bah!!!

Bank of America Credit Cards suck! And not worth your time or headaches. It's been 4 months of headaches with them on automatic payments and stopping them adjusting them. I've changed my app and online and nothing changed! As of today my balance is $ 0.00. I owe them not a damn penny. They still allow an automatic payment. I don't get it. It's at 0 balance BofA CC! ZERO means I owe you guys NOTHING! I called customer service and of course, "There's nothing we can do. You have call tomorrow." B my transaction is pending. NO! Take action now, BUT NOOOOOOOO. Ok. Close my account and return my payment. "Oh it's going to take another call tomorrow and 3 business days!" Really?! I owe you guys nothing, you still take auto pay being at ZERO and I have to call you back and I have to wait. What kind of ** is this BofA credit cards. Anyone thinking about getting this credit card - if you can avoid it do so. It's not worth it.

I USED TO HAVE CARD CARD BUT THEY DID NOT SEND ME ANY INFORMATION THEY CLOSED THE ACCOUNT. Then I called them even they cannot reopen. I do not have words. It is ridiculous. I do not recommend anyone use this bank.

I would not recommend using Bank of America's credit cards. They would not back me up on a dispute resolution concerning a company who took a payment, promising a service that they could not deliver. After two investigators were assigned to me through this private investigation company, and both determined they could not help me, I asked for a refund. When the company gave me back 1/3 of the $450 paid, I disputed the charge with Bank of America. B of A sent me a snail mail letter which stated a due date for the details of the dispute the day before I receive the letter.

Almost a week ago, some dirtbag steal almost $400.00 from my checking/debit account. Called the bank and cancelled my card and told I would receive my money back in 7 to 10 days. Money was credited back to my account this morning and also received my new card in the mail today. Great job and service. Only problem was not having the money to pay bills for a week! Very happy it didn't take longer. Thank you for the prompt service considering the facts.

I paid my account in full $0 balance and received a statement from Bank of America with a $29.49 interest charge. I had a $0 balance and I was charged interest on a $0 balance. Called Bank of America to have this charge removed and they refused. I will never, ever use this card again! Pls be aware, they are a fraud!!!

Bank of America suddenly and without warning cancelled my National Education Association credit card a couple days after I paid off the balance in full. I can't even log on to see my account! I have been a loyal and responsible customer for many years. Way to treat America's teachers!

I have been trying to resolve an unauthorized charge with my Bank of America credit card for 6 months. I have spent numerous hours upon hours on-hold and discussing my situation over and over and over again. After explaining my situation they say, "I will have to send you to someone else who can better serve you." Then on-hold again for another hour. This is totally unacceptable!

I had auto pay from my bank to Bank of America credit card. My promotional term was over so my minimum due went up, I didn’t even pay late, only amount was not enough for the min due. I send them a message to ask to waive the late fee, they keep sending the same message, "If you are having financial hardship call us and we will talk about options." I reply but I got the same answer 3 times. There other credit cards with better customer service. I will pay my balance and never ever get another Bank of America card again.

After over 15 years of having this credit card and paying on time with good credit they closed my account. Only thing I can think was I had gotten a call asking for information of mine and said they were from Bank Of America. I was reluctant to give it to them asking me where I worked seen as I’ve been working at the same place for over 19 years, same place I worked when I applied for this credit card. I wouldn’t give him the information, I thought it was bogus, I pay my bill on time so why were they asking me this now. They lost a good customer and I sure don’t think the same way about them as I did prior.

Every time I have to call B of A customer support, I end up waiting an average of HALF AN HOUR for a representative to pick up. HIRE MORE REPRESENTATIVES!!! Try getting representatives that are actually located in the United States. I can hardly understand the reps when do pick up the call. HIRE AMERICANS.

I used my Bank of America credit card to book a motel reservation using a reservation site on the internet. Because of the reservation site's "system error", my reservation was cancelled, but I was still expected to pay for the reservation. I explained the situation with the credit card company, since that was how I was to handle this. I talked with person after person, for months and every person I spoke with understood my situation. But the office that makes the final decision repeated denied my claim. The last letter stated they wouldn't respond to any further correspondence regarding this claim. I've had it! I cancelled my card and will never deal with them again.

Spent WAY too much time on this already but want other people to be aware. BOA is a NIGHTMARE. Their customer service is unbelievably inefficient, reps are rude, several have claimed that they took notes when the next rep says they had no record. Chase bank - my checking account, gave me proof of payment that for 5 months BOA claimed my payments were overdue by 1 day when they were received by BOA on time but not being applied to my account until a day later. Each time I was charged a $38 fee. Payments were on autopay and I get wireless statements so it went unnoticed until I began getting robocalls... Even with proof of payment, no refund, rude reps and ruined credit. Caveat Emptor!!!