Bank of America Credit Cards

Bank of America credit card charges interest even though is illegal when a customer pays their entire balance every month. I contacted them. They apologize but still continue to do it. This a company that scams their customers. Do not recommend.

Deceptive interest charges. I recently paid off my entire credit card balance with Bank of America. The balance was over 5,000, I saw my balance on the statement back in March and decided to pay it off and end that. Two months later I still got a new bill stating I owed 59.00 because of interest charges. I called to speak with a rep who told me, "Yeah we bill interest months behind," I asked, "Where is that shown on my statement? It stated on the statement I had that my balance in its entirety was X. I paid X and now you are coming at me with Y." I asked these surprise charges are not cool and they proceeded to tell me they aren't a surprise. I told them they can spin that however they want but this is a surprise charge because the customer has no proof or information on their statement that shows this, mind you I haven't used the card in over 6-8 months so there were no new purchases.

This is with regards to the Customer Service of Bank Of America Credit Card named “Raquel of Dallas Office” for being rude and without compassion for a preferred member like me today of April 15th @1:15pm. I called up because I apply a deferral payment of my credit card last April 1st, but I received an email saying that I’m past due with my payment that’s why they can’t do that. I said it’s set up automatic payment to my checking account that’s why there’s no way that it can not be past due! And then she blame me of not canceling the auto payment which I said because I always “trust” the Bank of America. And all I’m asking is to deferred the payment for this month because I need that money for my groceries, in this pandemic time. She said she can only refund my money of $80 for July and asking me about the routing number so she can finalize the refund for July!!

A vendor charged my credit card but did not provide the merchandise. When I disputed the charge with Bank of America, they said that I cannot dispute because I signed the credit card receipt. I contacted everyone I could including their CEO but nobody responded to my complaints. Bank of America is a thief bank that only helps rich people. They will take your hard earned money and give it scammers without any hesitation. Stay away from this bank because they will scam you eventually. Do not use their credit cards because there is no purchase protection.

Had my bank account hacked and went into a branch office to open a new account. The rep opened a new account and sold me on opening a new credit card with them as well. Fifteen minutes after leaving, I reconsidered that I don’t need another credit card, so I called B of A credit card department to cancel the application for the card. The rep tried very hard to convince me that the card was a great deal, but I told her I don’t want another card, I don’t want an inquiry to hit my score, and I’m just going to cancel it ASAP anyways. She insisted that there’s no way to cancel an application once it’s submitted, until it’s officially approved or rejected; she supposedly ‘checked’ with her manager and reaffirmed that it’s impossible, and claimed that she’d worked there 20 years and never seen it done.

I applied for this card a few months ago, was approved, $8,000.00 credit limit, 0 interest on transfer for a period of time, I transferred money from another card and now have the balance of the transfer almost paid off, I made my monthly payments on time, I have a credit score in the high 700's. The sent me a letter the other day stating that they have closed my account, if there are reward points associated with this account, they will be forfeited. They also stated that "your risk profile no longer aligns with the bank's risk tolerance." What is going on with BOA? I filed a complaint through cfpb asking for answers? I check my credit reports and everything was positive and unchanged since I applied for this card. I will get answers, as this type of treatment should never happen to anyone!

Our small business has been shut down. BofA is offering no payments or late fees until June 15th which is amazing HOWEVER you are PAYING ALL INTEREST during this time. Which as you know more cards are 18-25% APR. This is your idea of assistance. Allowing customers to pay their minimum payment WITH ZERO INTEREST now that is help but for you to suspend our payments and MAKE MONEY ON MY MONEY WHEN I HAVE NONE is a CRIME. SHAME ON YOU. Please do not advertise as assistance for small business because this option KILLS US. How can you do this to your customers when I have suspended collecting ALL rent from my salon stylists you want to collect interest on my money. I will be cancelling your card as soon as I can pay off my debt since you are doing nothing to help. BIG BUSINESS AT ITS BEST.

Don’t bother with Bank of America. They make you go through hoops and have very unreasonable standards to prove any fraud. Ended up costing me more to prove fraud than the actual credit. Go with American Express. Much better protection there and better customer service.

Blackmailed me. I consider them Bank of America Credit Department a criminal. Enjoyed high interest for more than 2 years. When I paid the full amount. A woman in the credit department said, "You have so many other credits card balance, I have to shout down your credit card or lower your interest. Then lower the credit limit by 80%."

This is by far the worst credit card I have ever owned. Bank of America always had a bad reputation so I don’t really use it a lot but what a nightmare I’ve had in a short time I started to use it. I’ve been keeping track and it’s been six months where if you call In it’s at least an hour and a half to two hour wait, when you finally reach someone will say, "Yeah the site is down again and there’s nothing we can do," they had to actually refund me money because they took an over payment because their site was down and when I called in the rep gave me the wrong information, and the refund of the money took three weeks, really you're going to hold an over payment for that long? It’s amazing that it’s gone on this long. Not sure where they get the nerve to charge the highest percentage of interest which is why I really don’t use them a lot just in case I end up having a balance because clearly their profits aren’t going to service or even the most basic of upkeep.