Bank of America Credit Cards

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!!!

I have 2 personal credits cards, as well as several business accounts and credit cards with Bank of America. I have a revolving revenue of more than several hundred thousands, and they still treat me like dirt. I had my account and credit cards frozen because of OFAC compliance, 2 months ahead of notice. I gather all the documents, submit it several times online, call them, and get nowhere. I finally take the documents to a local branch, sit there for 3 hours while they fax it and get it sorted out (because they can't handle email very well!) and finally get the confirmation that everything is going to be opened and ok. I ask again, "Are my credit cards going to be fine too?" And hear, "Yes, within 24 hours."

I opened a secured credit card with Bank of America in order to rebuild credit. Unfortunately instead to help me this decision ruined my credit with a 30 days Past Due reported to the credit bureau. 1) Alerts in the website for past due balance does not work even checking and savings were set up. 2) Customer Service for BOA is handle for call centers reps. Humberto **, a rep, was very rude to me when I expressed my frustration with him, very arrogant and aggressive. He transferred me to the "manager" (misrepresentation because he is not a manager, he is another call center rep). BANK OF AMERICA is not anymore the bank that it was in the past.

I’ve had my identity stolen and been hacked and BofA will believe the hackers and not me. I can prove that they’re hackers. I’ve also filed a claim for fraud with the US Govt plus a claim with the county where I live but BofA chooses not to believe me. $799.99 + interest. BofA expects me to pay the identity thieves for stealing my identity. DO NOT TRUST BANK OF AMERICA. I REPEAT, DO NOT TRUST BANK OF AMERICA. THEY ARE HACKERS THEMSELVES.

I have had two BoA credit cards for over 10 years, with direct payment from my checking account. My FICO score is 815. My November payment WAS made for my -9111 account but was not credited to the account. When I received notice of non-payment, I immediately had the "missing" payment re-sent plus an additional $500 to cover pending new charges. I ended up with a credit balance on the -9111 account. I was charged a late fee and interest. I called BoA customer service (one and half hour hold) to ask that the late charges and interest be waived. My request was denied on the basis that I should have made the payment on time. I closed the -9111 account during that call and I received a refund of my credit balance on my account, but not the late fee and interest. Two months later, I found that the "missing" payment to the -9111 account WAS received by BoA, but it was credited to my second account -5043.

This company is completely unreasonable. They would not remove a late fee, even though the payment was only 2 days late and their own system was down. I have a nearly perfect credit score and have never paid late. I paid late one time for Discover Card and they had no problem removing the fee, given my record. Very unprofessional. I closed the account as a result. They were not accommodating at all. I expected so much more from a National Educational Association Bank of America card.

I’ve had this card for 18 years. Paid it off every month and they switched my mailing address to my home address and I missed 1 and 1/2 payments because I did not receive a statement and then when we got that cleared up they have ruined my credit completely while I’m refinancing a house under construction so between never being able to talk to a real person on the phone you literally need about an hour to go through the auto phone robot to tell a real person your issue for them to tell you they can’t do anything. After the moment I received the late statement I had a check in the mail but still no deal. These guys have extreme power and are evil. Hope they need a bailout soon. Time for a change. I will pay the extra over the next 30 years to refi and not renew my card yahoo.

So I called and asked for a settlement on my account. I have been with BOA for 4 years and have always paid my bill and have an account in good standing. I was laid off a few months ago. Since then I have been paying the minimum. Spoke with Account Rep Santrese **. After a long convo she did not offer any help. I explained I am trying to make a good faith payoff to avoid collections and settle the debt. No help was offered at all. No interest deduction no payment plans etc. They said I do not qualify even with an excellent payment record.

I just received and activated a BOA credit card two days ago. Upon trying to use it today for the first time, it was declined. Contacted BOA and was informed that the wait time would be an hour to an hour and 40 minutes to speak with someone. Upon finally speaking to a rep was told that the card was declined due to fraud and I would need to visit a branch to verify I am who I say I am. WTF! Mind you I literally just received and activated this card less than 48 hours ago. Never in my life have I had this kind of issue with a bank or credit card company especially after just activating an account. Not only are their practices absurd they have horrible customer service. I would not recommend anyone use them for banking or credit needs!

There is no 24 hour customer service. If you have a problem with your credit card in the middle of the night, you can't call. You have to have access to the app or website. When you do call during business hours be prepared to waste at least an hour of your time. I think they fired 90 percent of their customer service staff. They do proudly now announce that their staff is "Michael in Texas" or "Jean from Albany, NY" so they're "proudly" not outsourcing to other countries anymore. And when you do finally get ahold of someone they are as pleasant and helpful as can be. So that's great; they gave jobs back to a handful of Americans who are fielding all these calls, and it takes an hour to get through to any of them and/or redirected to the correct person. Overall big thumbs down. Not worth it.

First of, calling to make a credit card payment is a pain in my rear. The stupid automated service makes you go through about 3 different prompts and upsells before I can just make a dang payment. And forget trying to simply say your information. If there is ANY minor background noise, like a baby gurgling or a television talking, the system goes haywire and messes everything up. And it tells you all this useless garbage I don't care about like what my balance is and what my cash advance is and so on. I AM TRYING TO PAY YOU CLOWNS OFF, NOT INCUR MORE DEBT. STOP TELLING ME THIS FLUFF AND LET ME PAY.

Never I will use their cards again. When I bought international ticket the website didn’t make confirmation. When I ask them for confirmation they said, "You must pay more $200," and they charge me $100 without booking the ticket. I have all the information which prove my speech but Bank of America didn’t do anything. Never I will use their cards again. How can I trust them if one stolen me?