Bank of America Credit Cards

I understand me forgetting to pay my bill. It was my error. However yrs. of paying on time and above the minimum means absolutely nothing with BOA. Had I know this was how longstanding customers get treated I would have never applied for any services with BOA. This is a huge eye opener for me. Moving forward I will be seeking a new mortgage company as well as a new credit card lender. This is a matter of principle, courtesy and respect which BOA knows nothing about. I highly recommend to anyone thinking of becoming a BOA customer don't do it, steer clear of the headache and misery they will bring to your life and credit history.

After the fifth call, I said this is not his number but he is my father, what did they need? "We need to verify his information for the credit card account." I replied that he had nothing to do with my account - unless he unknowingly was added when my mother passed. He needed to be removed. We discussed a while but it just didn't feel right or make sense to me. Worried this was a scam, I called BoA to share concern. As far as I'm concerned, no company or person should be asking for his SS# related to MY credit card account. I was told this was a new policy and because he was on the account the only way to remove a co-person was for him to be on the phone with me to verify his info and answer questions - giving permission to remove him. I shared he was hard of hearing, then called him on speaker from another phone so all could hear.

After the BoA rep sped through their script and I repeatedly had to repeat for my dad, my dad could not understand. It was so frustrating for my dad and self that after 15 minutes we told them to mail whatever paperwork was needed to remove him from the account. Received paperwork to MY home address. To remove him, he needed to provide a W9, SS#, verify an address and sign/date form. He lost paperwork while in the process of closing on his home and then went to Florida for two weeks.

Card gets declined last week - a $20 dinner so next day, I called to inquire. It was on hold and the person said that dad needed to answer specific questions and if we called back together, we could lift the hold on account and get him removed. The rep gave me a specific number to call back with my dad and bypass the general number, then he extended the card until today, June 13. Last night, June 12, we called # with father. The "qualifying questions" included his address and phone number. Mind you, he has lived in the same house for 46 years until this past year. Never MY HOME that I've owned since 1999.

When he gave the only two addresses that HE has lived in KY, they said that was not what they had in the system. I then thought that maybe the address I lived in when the card was opened which was a house my parents owned in early 90s as a rental may be in the system and The rep said those addresses were not correct. Eventually, I realized that they were asking him for MY home address and MY cell phone as if it was his information...??? I repeatedly shared that this did not make any sense.

I was told by two different people at different times that my options were to physically go into a Bank of America where he could show his License to the person and they could remove. WE DO NOT have BoA in our state. Several people we spoke to read the "script" repeating that I needed to go into a service center to which I again said we do not have one. I have owned my home since 1999 - in FULL for the last 10 years or so and I paid in FULL for my car. I have good credit, a $19,000 credit limit on this card, job, portfolio of investments... What is going on?

Again, my dad has NEVER submitted his information to BoA. To keep account extended and open until paperwork was received and processed, they said the only way to keep it open was for him to submit a W9 to prove he was him since he couldn't go into a service center. Gave me fax number to send W9 and suggested I call 24-48 hours later to ensure they received. If (IF) their system could verify he was who he said he was, then we may be able to not block card until the paperwork could be received and mailed back. Why in the world does BoA need his SS# and want to know his income - retirement, investments, social security? We are trying to remove HIM. He has never made a payment to that CC nor has he ever used it!

All I can think of is that I am not making BoA money because I pay off the card every statement so this must be an attempt to make it so difficult to cause me to close my account. That is what I plan to do. Close the account once I pay the remaining balance. I am not unnecessarily sharing my father's SS#. A policy is a policy and I get that but there must be room for common sense! The square peg does not fit in the round hole and never will. I cannot keep hammering.

It has been almost 10 years and I am still receiving correspondence from BOA in reference to this loan. (This is illegal!) The statute of limitations expired on this loan 3 years ago. (The loan was taken out in South Carolina). My credit report states that my last payment was Oct 2013. It also states that my last payment was August 2013 (no consistency). In August 2014, I received a check from BOA for $25,885.96 with a letter stating there was a mistake and I overpaid. After this occurred I contacted BOA several times (again) so this can be removed from my credit report. The BOA rep refused to remove this from my credit report stating that I was paying into a “phantom account”. They have no record of any of my payments, nor the check sent by BOA. I tried to explain to her that this account has had several different account numbers and no consistency.

During the last conversation with BOA the creditor also stated that I expressed that I wanted to close that line of credit which was preposterous and untrue. I did not have the authority to do such a thing. The account number changed several times as well as their story. The rep was rude and she kept raising her voice. I was transferred 3 times and no one even knew what I was talking about when I called. These practices are illegal and the account numbers have since been deleted (from my credit report) since I spoke with the last rep. That in itself is admission of fraud. Can you please help me? All I am asking is that this charge off be removed from my account. I have attached the check sent to me as well as several other documents that all show different dates.

5) How did BOA lose all of my payment records?

After an hour or more on the phone a representative that calls herself a supervisor said she would send a recommendation to training about the previous employees and tell us that it takes 6 months to learn your spending so this will continue to happen. Then she pulls the “I think the line is breaking up. Can you hear me click”. Just to hang up on you intentionally after an hour long phone call. The entire time you can hear the customer service representatives laughing and joking about your situation. I would suggest they make sure the phone is muted before they talk poorly about the customers who provide you with a job. The whole thing is one big joke to them and it’s always another department or person that should handle call. If you want a credit card you have to wait on hold for hours to get permission to buy gas or groceries this is for you.

This bank is the worst ever. I know not one person that prefers Bank of America. On top of having a declined transaction from the card to make matters worse, I'm getting charged a late fee from the bill I was supposed to pay with my card. Just unfreaking believable. The biggest circus ever. GET IN LINE IF YOU WANT TO GO FOR A RIDE.

I have never had a credit card company not have the customer's back in dealing with this kind of issue. I have had fraud charges a couple times with other banks and it has never been an issue, I make one call and it’s resolved immediately. This has caused us a lot of stress for a year and having past payments on our account is affecting our credit. However I can’t in good conscience pay the charges knowing they are not real charges. If we had made the purchases we would gladly pay them, but we didn’t and it’s not right we get stuck with this huge bill. I would tell everyone I know about our experience and discourage anyone from ever opening any sort of account with Bank of America. This is the worst banking experience I’ve ever encountered. We are at present still fighting them on the charges.

I then received a 3 page letter from Bank of America detailing how I would need an independent expert merchant to inspect and verify that the merchandise was different. The letter came in the mail and it said I had 1 day to have the letter back to Bank of America before the case was closed! BOA said they needed a formal letter on letterhead by an "expert" in the merchandise I ordered along with multiple other documentation I had already submitted. It took the BOA rep 15 minutes to locate my previous sent material when I called. The rep was rude and indifferent and did not treat me as a Bank Of America customer with the slightest amount of respect. He was completely unable to tell me how to locate an "expert" on the vitamins I had ordered.

The rep snarkily used an illustration that if I ordered expensive pair of blue sneakers and got cheap pair of red sneakers sent to me instead I need an expert in sneakers to write a letter verifying one was red and one was blue. In other words Bank Of America claims department has no interest in supporting or helping their customers who are clearly victims of fraud. I am promptly cancelling both my personal and business credit cards due to "Patrick" the claims representatives unprofessional and rude behavior with Bank of America. I even had my husband speak to a manager who was even more impotent and unapologetic than Patrick. It was clear that they cared nothing for us as customers and whether we cancelled the cards or not.

The proposal for the card application did not mention any negative actions as a result of applying for this card. I read through the fine print on the application and nothing was mentioned about rejecting my balance transfers requests or significantly reducing my current credit limit without notice because I submitted their credit card application. That was information I would have found necessary in determining to apply for the new card or not. I think BofA is a fraud and I'm proceeding with a formal complaint process with the authorities.

A recent statement from BOA and their refusal to lend money to certain gun manufacturers really struck a nerve with me, so I decided to cancel my card and account outright and cut my ties to BOA. When I called them to notify them I was no longer going to do business with them as a result of their decision, I was informed that my credit line was revoked as well. Seriously? I never received any notification that my account was being closed by them for any reason. Is this how you handle a customer of 15 years? That's sad. I guess they don't need (or want) my business.

I had to pay 2 hrs of international time to discover they had now decline us to reinstate because it was closed in October for the above reason; “missing information.” I don’t understand. We have not changed jobs or homes or contact information for over 15 years. No phone calls. Nothing. We had identity theft a few years ago and notified all the organization we were required to do so with including BofA. So now there is misreporting on our credit so they declined from reinstating us or issuing us a new card. Omg! Horrible... We are stranded and Charles, Al **, Cameo **, Kashi, Jessica, all of BofA Are aware we are stranded, and “I’m sorry, there is nothing we can do for you” is all we can get?

We’ve been with the bank since the 80s this card since the 90s. We can now not pay our room in a foreign country and have 5 days to go hungry and homeless... I trusted my bank, “Bank of America”, we again, have never missed a payment, we have been married for 35 years. Clearly we are loyal customers who kept our end of the deal but they cheated on us... We aren’t flight risks. They are aware of our situation and after all these years??? They are deserting us on our vacation 15 hours away by plane from our home in a foreign Country. I’m have a stress attack! Help!!! This right here is a perfect example of what’s wrong in this world today. Pull your money out. They can’t be trusted.

The next day, I started again. The first agent told me I didn't have an account (!!?) and yes, they owed me money. I pointed out that I had two letters from BOA/visa with my account number on them - and had just received a check from BOA. We were able to agree that yes, I had an account... but she couldn't tell me why/how it had been cancelled and went off to get an answer. On hold again, the call was dropped.

I started again. Another 25 minutes in the wait queue. I got another agent and we were able to agree that yes, I had an account, it had been canceled. She had no idea why and put me on hold while she found out. (time passes) She came back, but had the wrong account number. We started again with the correct number. I asked her to take down my phone number in case the call was dropped, as I felt I'd already served enough time in their wait queue. She agreed, took down the number, put me on hold again and went to find an answer.

After about 5+ minutes the 'hold' was converted back to the general phone-in wait queue. I waited. And waited... I hung up and started again... back into the wait queue. I'm still waiting - it's been 1 hour and 25 minutes so far. (I put my phone on a charger and speaker phone just to see how long it would take.) "We apologize for the delay" they say... subtext is 'but we really could care less and don't plan to do anything to improve our service. ' And no, she never called me back. I would cancel the card if it were not associated with an airlines we use frequently.

Today I was automatically refunded money to that account by a merchant on Amazon. I called them to say that this was no longer a valid way to refund my money and was going to give them a new card number from a different company. I had a bunch of trouble getting the refund because instead of Bank of America declining the refund like they should have done for a closed account they took the money! The Amazon guy kept telling me I had to contact them and get the money back by getting them to issue me a check! Bank of America is a bunch of crooks. Run. Don't walk away from this company!

Both the first person I spoke with about this discrepancy, which could affect my credit rating, and the manager, who gave me her name and identifying number as Ashley **, agreed that the error was on Bank of Americas part, due to an error on the website. Ashley ** assured me that this would not affect my credit rating, according to her, and offered for me to talk to a technical assistant to see why the late payment warning in red on both accounts was showing up on my end of the website. I let her know that because Bank of America has a professional policy of charging its clients for their errors, I am returning the courtesy and charging Bank of America for their error.

Please see the attached bill for my time and suffering. I charge $65 per hour for my time (my most recent government rate). I have high blood pressure as an older person, and the error on your part caused my blood pressure to spike this morning, particularly because, in my memory, and according to Ashley **, I have never paid late on either account, and I have had the account ending in ** for about 15 years.

Billing - Time spent on hold and discussing the problem with Bank of America staff: 1.5 hours $100. Time to be spent checking my credit rating in case B of A error has affected it x 3 mo. $ 195. Pain and suffering due to blood pressure rise on March 12, 2018, due to B of A error $100. Total (to be paid on receipt; accruing at 9% interest as of March 31, 2018) $395.

When I asked Manager Ashley ** to whom I should send the letter, she said I could Google it. Then I politely asked her, with some humor, if she wouldn't prefer to transfer me to customer service. She said she was customer service. Then I asked her if I should send this complaint to her, and she said she had no mailing address, but that she could register that I was making a complaint. I asked her to do so, and I asked her again if there was a number for customer service or an address to which I should send the letter.

I let her know that without the benefit of a specific single address, I would have to send the letter to multiple addresses, just to make sure I got the right party. She repeated that she had no addresses for customer service or a complaint department, nor could she transfer me to any other number that handled customer service or complaints. Therefore, I will send this letter as widely as possible to Bank of America addresses to make sure it gets noticed, and that I get a response. I have screenshots of both my bank account showing the on-time payments to date and the Bank of America screen, also from today, March 12, 2018, showing the late payments notifications in red on both accounts.

I needed that money to replace my car. I've had to walk everywhere for over two months now because of this. This is just plain robbery and mistreatment of customers. What law allows them to just confiscate every penny a customer has without giving a reason and just keep it?? I've now gone online and read tons of reviews for Bank of America. 90% of them give BoA the same number of stars I have for a really diverse buffet of harsh, unusual and just plain nasty treatment of customers. I will never be a customer of Bank of America again. It does not matter if they remedy this problem or not they will never get a penny of my business ever again. And every time finances comes up in conversation with other people I will recount this entire affair of banditry.

This is a perfect example of how Bank of America operates. I will never do business with Bank of America again. Would also recommend nobody else do business with them due to their shady business practices. So two things here. One they lowered my credit which will affect my credit score and two they forced the card to be 100% utilized which will also affect my credit. Thank you Bank of America. I shall never do business with them again. Will also share this with everybody I know. Hopefully they will lose customers over this. Also hope somebody reads this and it helps them avoid this situation.

My Credit Secure was alerted that my account was reporting "negative information" but I NEVER received ANYTHING from Bank of America. Again, I NEVER MISSED A PAYMENT but the fee I received for a couple of dollars resulted in more money due the next month, that of course, did not meet the next monthly payment. Again, no information via e-mail nor paper was sent my way. I do not use this account often, however, I was checking that payments has been completed as expected, I never received Any alert from the bank. I called customer service and after a very very long wait, the lady told me that my credit will be hurt because that is not an Bank of America error. I have been a responsible customer and the lack of information has now affected my credit. If I did not have American Express Credit Secure watching my back Bank of America could have ruin my credit and NEVER send me a notice... Never Using this Bank AGAIN!

And the BOA offered the feedback. I have to go to find the place to prove they are fake. My God, where they can do that? Do I need more money to prove it? And this pair of shoes are quite popular. They are not available on the market. This kind of calls I have been through long time. Some operators are nice. The last one I called with was super super not nice. I gave up the money, and I don't want to think about it anymore, and I have no way to put the comments on the BOA, I found here. I will cancel my BOA credit card and say farewell to it. Really really really not good...