Bank of America Credit Cards Reviews

I have never been late on any credit cards but since I had mortgage late on a investment property Bank of America increased all my card APR and closed all four account I had four months ago. My credit got even worse, and all the other cards started increasing my rates as well because of a lower credit score. My minimum payment on the account with a 9.99% APR was $285 and I was able to make that payment every monththe new payment with the 24.99APR is $585 and it will be impossible to pay.

I called customer service and explained my situation and they advised me that I need to speck to a credit counselor. I also spoke to a manager and explained if the payment doesnt go back down to $285 I wont be able to make the new payment and basically give up and stop paying and ruin my credit and possibly be forced to go into bankruptcy. He then told me that he noted my account and asked me if there was anything else he can help with? Having the high balances on my cards are completely my fault and responsibility, however I have been making every effort to make timely payments during very difficult financial times for my family.

And at this point it seems that the more effort I make, the more difficult Bank of America makes it for me to stay current. If anyone has any advice, please le t me know because I dont want to be a dead beat but the situation is getting worse and BoA is doing everything possible to make me default on my credit card loans.

OK so where did I go wrong? i finally called and the woman actually laughed at me. i told her I got an email stating the above if paid in full no finance charges. she said this is a finance charge on a PAYOFF AMOUNT. yet couldn't explain why i was told no finance charges by Ginia and there was no mention of a PAYOFF finance charge. I asked so are you punishing me for closing my account and paying off my balance.

I understand with loans you call the bank and get a PAYOFF amount based and pay that off and usually it is not the balance of your last statement but more...this is a credit card and for BOA to treat their credit cards like loans is ridiculous...even when it specifically states no finance charges if you pay your balance in full each month it states nowhere that you should call for a PAYOFF AMOUNT>

I was laughed at by this supposed CUSTOMER SERVICE PROFESSIONAL. I struggled to payoff the entire balance and to get a $90 bill for paying it off which is basically what they did is insulting.

However, a follow up interview questioned my lack of work, and how I would be able to pay the agreement. My question to them was that the way it currently stood was out of my hands, and that I would have to continue to default. Why would Bank of America not agree to help me settle my credit balance with them in a way in which I can afford..instead of allowing me to default at a rate I cannot afford?

My only option is to not pay my card. They won't get their money from me..and I will face legal action.

Today, when I opened up my BOA site, the account was gone. I had no access to my card statement online. I called and asked about this and they told me it was Bank of America policy to remove online banking priviledges when an account is closed. Now I have no way of knowing that the automatic payment is scheduled and no way of knowing it has been paid. Account is due on 11th, comes out of my bank account on the 12th...and I will not know this card has not been paid until it is late...as the only way I know it has been paid is to look at my bank account and see the withdrawal.

This is another clever ploy by BOA to try and make people miss a payment. Then they can go to the 24.25% interest rate and there is nothing you can do about it. Stay away from this company. They have lousy customer service and will try every shady trick in the book to raise interest rates. I have a 720 credit score and this card was at 50% of balance. I have also never been late a single day on ANY credit card, house payment, car payment, etc.

They sabotage their customers by doing the following... 1) statements have varied due dates to confuse the consumer and cause them to be late 2) statements have no postmark so consumers can't prove when it truly went in the mail - also causing consumers to be late 3) the online bill payment system end of business is at Noon EST - any payments made after then is credited as being paid on next business day - causing a late payment 4) they charge outrageous fees ($15) for check by phone service - either pay it or be late 5) not mailing statements at all or after due date 6) when calling to inquire/follow up about any issues, they deny having received any prior calls from you

They also threatened me on July 24, 2007 that they were going to take my house. Internet searches have shown that this bank is way abusive in every area in which they conduct biz. This is my personal experience with them.

I was not able to transfer my account to another credit card company because they had effectively destroyed my credit in this process.. so then i'd be paying someone else a high rate. I had offered to repay at the originally agreed upon fixed interest rate providing they reset my credit back to where it was. They declined the offer which I thought was very fair considering what they had put me through (July 24, 2007). During that call, the man on the phone declined my offer and told me no way was he willing to do that because I did it to myself. Once that conversation subsequently deteriorated, he told me he was going to take my house and hung up on me.

I sent a fax to Mike the next day (7/25/2007) and demanded that all further communications be in writing. They never made any effort to settle this peacefully. I felt they didn't want to put anything in writing because they didn't have any plans to honor it. I heard nothing from them until served with a notice of suit. So now we're going to court eventually if I can't get the judge to throw it out from their blatant violations of both state and federal laws. This may cause me to go into bankruptcy or risk losing everything i own if there is a judgment against me.

Then I got a letter from B of A stating that the next time I used the credit card my interest rate would go up to the default rate of 27.99%. So I stopped using the card, but the next month my overdraft protection kicked in and charged the account $60, so the rate went up anyway. . . .

Then this year I began to receive payments from my parents' estate-- $20,000 per year. I used the first payment to payoff my Bank of America Credit card. I receive the next statement showing I had paid it in full and I had a credit line of $23,000. I called the bank to ask for a replacement card since the stripe on mine didn't work, and I went out of state with my family to a wedding. While checking out of the hotel I noticed my card did not work. I had to use my ATM card to check out.

When I got home, there were THREE letters from the bank waiting for me. One said my credit was reduced on one credit line. The next said my overdraft protection was revoked. The third said my credit card had been revoked. I called the Bank again and they said it was because of the SAME credit report they had used a year ago to raise my interest rate... so, in my thinking, I have been punished for being responsible and paying my debt.

To make it worse, now I have overdraft charges in my checking account, since I was unable to use the account that was in good standing. I have NEVER been late on any payment to Bank of America. I expect that all of my debt will be paid in two more years from my estate money, but I feel like B of A has harassed me and taken advantage of me. I acknowledge that my credit was damaged by debt, but it is only when I am climbing out of it that the bank treats me this way.

I believe that instead of my credit rating improving, the loss of $23,000 in credit will lower my score and cause my interest rate to rise or jeopardize my ability to pay or receive credit in the future. I also have overdraft charges to my checking account

Customer service said they could not help me because they sent out a notice and I did not opt out. I explained that had I received a notice I would have absolutely opted out of the change in terms as I have opted out of other credit card terms around the same time. They finally transferred me to the underwriting department and the gentleman felt sorry for me I think and he lowered my to 24.99% but I had to close out my account. At that point I was desperate and 24.99% was better than 27%.

MBNA/Bank of America has since recieved well over $100 a month in interest from me and two years later I am still almost physically sick over it. I have barely escaped having to file for bankruptcy. I have spoken with Bank of America representatives and they will not help me at all. I will say that I have noticed a very small decrease in my rate each month and my rate is now down to 21.74% & 23.74% but with the economy issues right now it is so difficult to make these high payments each month.

All of my other credit card companies have worked with me but MBNA/Bank of America has not made my life any easier. Even though it is my fault I have so much credit, it is not fair that they raised my interest rate so high without notification. It will take me years to pay off the balance when I could be spending this money to help with groceries, gas and school expenses for my child.

Krystal has many complaints. So, basically, BofA, is doing business with someone who regularly practices sales fraud. Then BofA claims that all the contracts are legal, which they may be, but they are DEFINITELY the direct result of FRAUD- Fraud: Deceitful conduct designed to manipulate another person to give something of value by (1) lying, (2) by repeating something that is or ought to have been known by the fraudulent party as false or suspect or (3) by concealing a fact from the other party which may have saved that party from being cheated. The existence of fraud will cause a court to void a contract and can give rise to criminal liability. (http://resources.lawinfo.com/en/Dictionary/F.html)

Many of the contracts signed by victims of sales fraud at Krystal are given lines of credit by BofA. BofA DIRECTLY PROFITS from lies and deceit, hiding behind legalese to obfuscate their ethically reprehensible practices. Currently, I am still contesting the charges, BofA, refers only to the contract and refuses to acknowledge the deceitful/fraudulent sales practices.

The stress this has caused the lost sleep, as well as ~100 hours I have spent trying to write letters , wait on hold on phone calls, have caused me untold psychological woe. And if these payments they insist I make on a fraudulent sale, through a fraudulent company whom against they have had MANY complaints, may cause much damage to my credit ( I think they count on this, the consumer bowing before the threat of credit damage.)

We received NO NOTICE that our date was going to change. It is scary how crooked these people are. What can we do to protect ourselves?

I am scared of them. I think this is ridiculous. Why should honest people have to be frightened of what Bank America is up to?? This is just WRONG.

Right now my balance is below my maximum credit line, and they have raised my interest rate and minimum payment amount to more than what I pay per month on my car and for rent for my apartment. Aside from closing my account, but still charging nearly 25% interest on the balance and cashing each of my checks late, I am getting no cooperation, no returned calls, and no reasonable explanation for the exponential interest charges, manipulated late fees and the tripling of my minimum payment.

This is the only credit card that has caused me this much trouble. They have closed the account and reported to the credit bureau that I am at fault, resulting in a poor credit rating. I am being charged late fees because they hold the checks I send until a day or two after the due date. Bank of America's falsified comments on my credit report are making it difficult to get a new credit card to transfer the balance onto. It is making rent, car payments, and gas payments more difficult, as I have to choose who to pay.

They have played so many games and been so uncooperative that I have had to start taking anti-anxiety medication and sleeping pills because I worry about my financial future because of their unprofessional and hostile behavior toward me.

So I called Bank of America, and was informed by Bernadette, that due to a periodic review of my credit, it was determined that my debt load was too high and they were lowering all my lines with them in case I got to a point that I couldn't handle them. I asked them why wasn't I informed of this change? she said letters went out on Wednesday. Well as of today (Sunday) I havent received anything. They shouldnt be allowed to remove credit limits because of something that MIGHT happen!

I am a 43 year old mortgage loan underwriter, and clearly understand credit issues and how credit cards work. I have NEVER EVER been late with any of these 3 cards, nor have I been late with ANY of my other creditors. I have been on my job 6 years, and have owned my home 5 years. She questioned me on my plan for paying back my debt, and I told her that if I am paying on all my debts, I don't need a plan. She suggested consumer credit counseling. Why do I need that if I have never been late?

One of these cards I have owned for 24 years, with no late payments, and one I have owned for 26 years, also with no late payments. She then asked me for all my income sources and put me on hold to see if they could release even one of my cards. I asked for just 3 or 4 thousand for emergencies. She came back and said I didnt have enough income to cover my debts. My combined income with my father and grandfather's social security and my job income and child support totaled over $65,000. Since when isn't that enough to pay my bills? She refused to do anything for me.

I told her what she was doing in the name of her job was immoral to treat long time good customers in this manner. They took an available credit amount that I had left of $22,000 and took it down to $300. I now have no way to pay for emergency expenses and have been physically sick over this issue since Friday when this occured. I don't know what I am going to do.

The first most immediate consequence is that I now cannot finish paying the rest of my grandfather's hearing aid that we ordered for him 2 weeks ago. I had put the downpayment on it and still owe another $560 on it and can't pay it now. The second consequence is that I need brakes on my van and can't take the car to the dealership the end of the week like I had planned, and this van is my only transportation for the wheelchair that my dad is in.

The 3rd consequence is that due to all my balances on those cards are the same as my credit limit, it looks like I maxed out my lines on my own, which will lower my score, which will prevent me from taking out an equityline to pay these off, which in turn will allow Bank of America to raise my rates next month because of my lower score.

Also it says that I must not use my card if I want to reject this APR increase and keep my current 11.99%. I am not sure if this means they close my account or what but if I chose this option I am concerned how it will effect my credit score since this is the longest standing card I have. However, the consequences of almost doubling my interest could put me in financial difficulty.

Bank of America kept increasing my credit limit on their own. My husband and I just bought a house a little over a year ago and so we have more financial responsibilty than we use to. We have used much of our available credit. I have always paid my Bank of America card on time, but they are still raising my rates to almost double. I now have a $18,500 balance and pay about $400 a month $185 of which is interest. If I leave the account alone and let that interest almost double to the 22.24% variable rate I will likely never be able to get the card paid off. If I chose to reject the ammendment and chose to not use my card to keep it at the current interest rate, I am not sure how this will affect my credit.

I will switch credit cards.

Any [one] knows that the post office can't track mail that isn't sent registered or certified. They just wanted an excuse to raise the rate. My payment record will show that I was never late and always paid ten times the minimum they asked for. I was not having any financial trouble paying this account. I sent the last check in plenty of time. I've read that they screw people who pay on the internet as well, just let the payment sit there until it's late.

I have to transfer balance to another account and pay $60 transfer fee, stuck with $39 late charge and interest charges that I don't owe.

I later check my credit report and and notice that an account that i had with MBNA which is now BOA was closed...I had 26305 points enough for a free round trip flight. They closed the account and said no activity. When I spoke about the account I was told it should have never been closed but we are going to reopen it at 2000 dollars. They are basically closing peoples accounts for no reason. After hour of deliberation they reopen the account at 5000, but neglect to inform me that they are closing another account i have for 12000.

46000+ of available credit down to 24000 in one weeks time from BOA.

I called Bank of America and they explained to me that all is good and this was standard procedure when someone adds a new address to the credit card. What they failed to tell me is that I would automatically stop receiving my paper statements. Now this said, since I failed to receive my credit card statement to pay, they (with no surprise) decided to bump my interest rate from 16.99% FIXED to 24.24 % Additionally since my phone call with Bank of America disputing the rate hike because I made a late payment because I stopped receiving bills from Bank of America , now every time I attempt to Make a payment online, my session immediately ends without the ability to make a payment.

What is going on here? I am a bit perplexed by this awkward situation. It make me feel like they are attempting to raise rates by any means necessary.

I called Bank of America, and you guessed it. The woman I talked to said there was nothing I could do. My interest rate will be doubling. This new payment is out of reach. I explained that I was very comfortable with my old payment amount. She said sorry, she could not help me.

I will be forced to defalt. My credit will be ruined.

Ruining my credit score.

The supervisor of the insurance company stated he was going to search some files and send me a copy of the postcard that was signed and dated by me. I have been waiting on this card since 5/08/08 and have yet to see it. When I call to follow up on the status they explained that the mail was returned so I verified my home address Houston Dr., Mesquite, TX 75149. Called back 06/06/08, 06/26/08, 07/11/08, 07/25//08, 08/02/08 and 08/09/08 requesting the refund. I was told to call back in a week. So far we have spoken to 5 supervisors. Keyona, Sam, David, Cynthia, and Joe R., 7 representatives. Frances, Gladys, Katie, Jerry, Brenda didn't catch two of their names.

I have asked for a refund request form since 5/08 and have yet to receive it. I do believe that they are taking advantage of me because I am a 71 year old veteran. I have had insurance from other companies for the past 30 years. This company is doing bad business dealings and I would like for you all to look into this matter for me. Would truly appreciate anything you all can do to correct this matter and get me my money back. Blood Pressure Very High from repeatedly calling trying to resolve this problem.

Then I have a new car that I have leased now that shows on my credit report. So BOA has decided that my debt is too high. When actually, once GMAC removes the car that I turned in I will actually be in debt LESS! Makes no sense, no one will return my call from BOA. I just get put on hold! Now my credit score has dropped way down. I pay my bills on time everytime!

I took my credit card to my credit union and I requested it be destroyed and the banking officer couldn't believe that they raised my rate so high when at that time I had a great credit rating and paid bills on time. Now I just spin my wheels paying them and 3/4 of my payment go for interest. It's just not right. Very fishy to me how they keep getting away with this!

Unfortunately, just the day before I requested a stop payment placed on the second check and requested a reissuance since an exorbitant amount of time had lapsed. I never received the replacement refund check. I made the following attempts at solving this issue: 1) Approximately 8/20/07 - Second refund check of $2262.36 had not been received yet. Called Bank of American and had a stop payment put on the check. Was told a replacement would be reissued promptly. 2) 11/26/2007 - Check had not been received yet, would have check reissued approximately 20 days from 11/26/2007 3) 1/28/08 - Spoke with Mary Luard (Manager) and Tiffany Robinson, were going to research status of account since it was showing closed? and has a zero balance. Could expect resolution within seven business days and a call back

4) 1/30/2008 - Carey Davis (manager) and Attman Barnett were going to research the location of funds and call back within ten business days with resolution. 5) 5/13/2008 - Rose (employee ID#513080L) was going to follow up with accounting and call back. Would escalate to be researched so new stop payment could be processed. 6) 5/22/2008 - Spoke with Lindsay and Josh McDuffey (manager), was going to research and call back within one week. Promised to follow-up and contact within three to four days. 7) 7/8/2008 - Bridget Washington was going to submit another stop payment on the check and review with her manager Schyler Copeland, Bridget called on July 10th to verify that she was following up on it. Should be resolved within ten business days. 8) 8/6/2008 - Spoke with Rick Sullins, transaction was pended and pushed out until August 10, 2008. Would follow up with Bridget; he was in contact with her at the time.

No response. Though I have made numerous repeated attempts, I have not been able to resolve this issue as I am promised this will be escalated and resolved within ten business day. I have yet to receive a single phone call back with information or any type of movement towards resolution other than one call by Bridgett Washington on 7/10/2008 saying it would be ten business days until resolution?. I am never able to speak with the same individual twice and have to start the entire story over again when I call. I am still owed the amount of $2262.36 by Bank of America but they seem unwilling to correct the problem. Their computer system shows the account as closed with a zero dollar outstanding credit because the stop-payment on check was never credited back to the account. I am terribly frustrated and have not received helpful assistance from Bank of America as this issue has been unresolved for over twelve months.

Last month we received a letter saying that they were going to lower our credit limit to $9800.00. This month their statement said that we are over the credit limit and hiked up the minimum payment to $303.00. We have not charged anything to this card and we don't even carry this card around with us. Is this legal to do when we've been making the payments on time and all of a sudden they say that we're over the credit limit even though we haven't done anything to make it go over the limit.

Bank of America is the one who decided to lower the credit limit, which is fine, but so close to the amount that is owed and say to us that we're over the limit so we owe more money to them for the minium payment. It really doesn't sound fair at all. Does it not matter at all the we are making the payments on time?

Unfortanetly i couldn't be on top of everything while going through my divorce. All i could afford to do was pay when the agent called me and asked for payment which was every month. Actually that was very convienant for me due to my current situation. (I had so much going on at the time) However the agent never mentioned that my APR had shot up to a whopping 29%, and although I had paid in a years time what I had spent on this card, My balance had grew and extra 2k dollars. The whole while i was thinking i almost had it paid off and was about to just pay the rest in full. I've just started receiving my mail and it looks that i was late a few days 3 months out of the whole year. I am so disgusted and i just wish there was help for citizens who get taken and raped by companies like this. I HATE BANK OF AMERICA BECAUSE THEY ARE CROOKS!

Bank of America never told me once (other than through mail that i haven't gotten in a year)That my APR is 29% and that I owed now 2k more than what was used from this card even though i talked with them every single month. What makes it worse THEY DENIED ME ANY FURTHER USE OF THE CARD AND THEN RAISED THE INTEREST RATE TO 29%! AFTER BEING LATE A FEW DAYS IN 3 MONTHS!!! I feel sick. I am depressed. And i feel hopeless. If this is what America is about then America is a cut through society. I would love to sue this company because they are going unchecked. PLEASE ATTORNEY CONTACT ME!

Most of the vendor with who I have monthly payment, cannot. Why and How did Bank of America let Sirius get away with it. Bank of Amirica told me I had to talkk to Sirius directly Which I did. However they Credited only part of it claiming I had 3 month of use time.

This practice to me is tantamount to racketeering. $42.47+ time on the phone dealing with both.

I notified them of intent to sue unless they negotiate a settlement of my account after reviewing it with me. They have not responded. I wish to sue them now instead of waiting years for a class action suite to be heard and getting only a small return if any. I am interested in locating information of their violations of consumer law that others have found helpful to them that will help me in court. thanks for any help you can provide,

loss of money due to interest rates .

In the case of Bank of America, I had a $44,000 line of credit with a $36,000 balance which I have been paying down on a regular basis. I also had two additional cards with them, one with a $10,000 line of credit with a $0 balance, and another card with a $300 line of credit with a $0 balance. BOA recently notified me my $44,000 line of credit would be reduced to the $36,000 balance, and the cards with the $10,000 line of credit and $300 line of credit would be cancelled and closed.

The net effect now shows I am maxed out on the remaining credit. My credit report has a notation the cards were closed at the request of the bank, which I'm sure is an additional negative factor in assessing overall credit score and with other creditors when periodic reviews are performed.

These practices do not seem fair for the consumer. It has a snow-balling effect that paints a worsening picture to creditors with regard to credit-to-debt ratios and reduction in overall credit scores. I am well aware I am carrying high balances, but I have been diligent in my plan to reduce my overall debt; yet I am being penalized without regard to the overall effect on my credit profile by these credit card company actions. Am I wrong?

I couldn't believe it! Not only did BOA not help to lower my APR so that I can pay off my debt sooner but they decided to lower my credit limit on the combined cards negatively impacting my FICO. I wasn't using my cards to charge only to pay down the remaining balance. To top it off, yesterday I received a letter in the mail from BOA telling me that the 3rd card I have with them with a $400 limit and a positive balance (they owe me money) is now closed. They weren't even nice about it in the letter thanking me for my 8 years of business w/the company.

What ticks me off the most is that I am not in collections. I consistently pay on all of my credit cards and do not miss payments thanks to auto-pay. I have not maxed out my cards. And while I do owe about 30K I have been paying down, always a lot more than minimum and not racking up more debt. I have a total credit limit of about 100K. I see show like Oprah etc. even the evening news where financial experts encourage customers call credit cards co. to help get a lower APR. My 10-15 min. call completely backfired.

Luckily because I have been a good customer with other cards I was able to do a balance transfer at a 0% APR for one year. I'm sure once I have brought those cards to 0.00 BOA will send out other letters telling me that they are closing out my accounts. Lowering my credit limit negatively impacts my FICO score. The company has decided that I am a high-risk customer even though this assessment is completely meritless.

I want to know where or who can i get in contact with for a class action suit

It turns out that we supposedly received a Terms of Credit change notice back in April; if we disagreed with the changes I was supposed to write a letter saying so. Oops! Shame on me for not writing this letter? Shame on me for not remembering if I even got this letter? Shame on me for not gleaning through lines and (probably) pages of fine print to get to the rub of the correspondence?

No!!Shame on BofA for these stealth practices that verge on immoral (or are, indeed!). But more shame on us consumers for not saving and paying cash for whatever we need - and then needing less. The Bible actually says it pretty clearly, The borrower is slave to the lender. Let's set a goal of setting ourselves free!

B of A is awful and I would NEVER deal with them ever again. They lend money to people who should have never had it and then cut off customers with 2 decades of paying their bills as a history. Do they care, no. I wish MBNA had never sold, but B of A and a few others are trying to take over the world. I resent their attitude toward me and they threw me in the trash after 25 years of loyal borrower and payments. Sad, but true and such a common theme with all the other folks replaying their experiences. my advise, STAY CLEAR OF B OF A, at all costs!

When I called and talked to Darrell Robinson, customer representative, on July 25, 2008, he acknowledged that they did receive my payment of $257.00 and would take care of the late payment fee for me. He indicated that he didn't know why it said my payment was submitted as a payment from a bill payer service and would research this and get back to me. He also said he would take care of the $7.00 amount which was considered past due. I did not hear from Mr. Robinson again, but I did receive a letter on August 1, 2008 (dated July 22, 2008) from a Krista Brooks, Card Payment Service Department saying they did receive my recent payment, however, the money order they received was damaged and destroyed by them for my protection The letter said I should submit a new payment within 20 days.

Obviously, this is not a lot of money but what guarantee do I have from Bank of America that they will not destroy another payment from me. Why didn't they simply return the alleged damaged money order to me in order that I could have it re-issued? Why should I have to go through the trouble of filing a claim with the money order company and pay a $12 fee; wait 60-90 days until it is processed, all because Bank of America destroyed my payment? What authority does Bank of America have to destroy a monetary instrument and what is my recourse? I received contradictory explanations from both customer representatives, and I feel they are not being truthful. Thank you for your assistance.

$257.00 money order 39.00 late payment charge 12.00 fee to re-issue MoneyGram M.O. 7.00 past due amount Indication from Bank of America that a late payment will increase the APR on my account. Cost of phone calls and my time attempting to resolve the issues.

I told Chad I would call them back as soon as my client left and hung up. Then they went through the circle of calling the receptionist and my co -workers and the all companies employees again. After I was done with my meeting I called back talked to Matt the VP of Bank of America that is what I was told and told him that I have asked previously for them to stop calling my office and that I only want to be dealt with through the mail because they have been harrasing my family calling when I am at work and calling and harrasing my co-workers.

He just kept blowing off what I said I told him that I was going to lose my job if they didn't stop harraing and in order to kept my job I had to contact the FTC on them. Then I told him that I was recording this call and he said I don't want to be recorded and hung up on me. I called back and he would not talk to me. I hope the FTC does something about this because it is not right to harrass others at there place of employment because I am sure they wouldn't want this to happen at there place of business either.

They could not provide any details of the business that my card "may" have been used at because they do not collect that data. So... they could not tell me if my account info had been compromised or not, and could not tell me what business reported the compromise. It gets better. So Debra at customer no-service says they mailed me a new card 3 weeks ago. To WHERE? Wait for it... the address I lived at 3 years ago. When I tell her they blew it, she goes off on me like an ex-girlfriend and tries to out talk me by talking without stops and over meto shut me down. I play for a second and then got bored. I asked why they sent the new card to the old address. She says thats the address they have for me, and acts like it's my fault that the info is not updated. She says when my wife came into the branch to change the address the teller only updates the persons profile.

That is rediculous that they didn't update the account info, and I reminded her that I am primary on the account and ALL statements come to my current address without fail. She just says "Well that's how it is". Anystoop, She will be sending me via second day my new card. I had to ask though if it would be a different number than the one on the card they send to the wrong address and she said "Hang on let me check" OMG! She had to check to see if she was stupid. Because that is what it would have been if she had done that.

So Bank of America cancelled my card on a "maybe compromising" and then could not notify me properly because of their incompetent record keeping. Leaving my family and I to find other ways to get cash on the weekend. This could have been a small crisis if I did not have money in other banks to retrieve. I took 30 mins not counting hold time out of my work day to straighten this out. Plus I had to get an A-full of attitude from the underling on the other end of the phone. Thank you Bank of America Customer No-service rep Debra!

The result is this. Possible interruption of my business website hosting due to the card being declined, and I will now have to contact each company that I contract with and use auto debiting for services and change all my billing info. Time consuming and aggravating.

The consequences of the reduction of my credit limit gives a false sense to other creditors that I have max out my credit limit which in turn will lower my credit score which in turn will increase my interest rates on other purchases I make. I think the credit card company (bank of america) can increase my interest rate because of my presumed lower credit score. So, how can a credit card company can cause you to have a lower credit score then raise your interest rates because of the lower score.

I spoke to their customer service agent and after a lot of time explaining my case to her and being put on hold twice, she came back to me saying that basically, nothing can be done about it because according to that fine-printed, lengthy disclosure booklet, any payments made will be allocated to all balances from low to high APR. WHICH MEANS THAT the payment that I made which was supposed to cover ALL of my purchase balance were distributed to cover both purchase AND transfer balances. And since my transfer balance was the one with the lowest APR (0%), a huge chunk of my payment covered that.

Now I just have to eat it and pay that accruing 14.99% APR every month because I do not know how much of my purchase balance is being paid off every time I send my payment. To think that the main reason I went with their 0% balance transfer promo was for me to be able to pay off all my credit balances without accruing charges.

I am goint to to the decent thing and write and tell them I will no longer pay them. I have made the purchases in 1993 and it is paid for as far as I am concerned. I know My credit will be ruined due to this. I have no choice. It is either that or not have gas or food. This is insane.

After numerous phone calls I finally reached a manager and was informed that that was all the credit they would extend to me at this time. I told them that if that is the way they do business my wife and I will both cancel all our accounts with BOA since we have no desire to do business with a creditor that for no apparent reason slashes credit lines to the point where they will affect a person's credit score because the balance is very close to max. It makes us wonder--is Bank of America is in serious financial trouble and is on the point of folding?

Every time I speak to someone, the person seems to have no knowlege of any of the other people I have spoken to or of the countless faxes of proof of payment I have sent them. I was even contacted by a law firm representing the bank and I faxed the proof to them and their lawyer agreed that I had settled the account. Instead of listening to their own lawyer they simply hired a new firm. Ironically, the original credit problems were caused by their own misrepresentation of a zero interest credit card and thousands of dollars in overdraft fees they took from my bank account. All proof of payments are available upon request.

The bank continues to send delinquincy reports to the credit reporting agencies.

I have contacted them about it, and basically they wrote me back saying there was nothing they could do about it, to schedule the payment well in advance, etc. I expect when I am paying online, to be able to have it post that day, especially when I am paying during the week. Every other credit card co. that I belong to accepts payments on Saturday as well. I think their policy and payment due dates are a way to finagle more money from their customers in the form of late fees, higher interest rates, etc. I will NEVER use that card again after I pay it off!!

I have been charged late fees at least 5 different times and have been given a higher interest rate because of their policy.

Contacted Bank of America and all they said you have to pay, pay, pay. I explained this had been paid off in Nov. of 2007, but they did not want to hear anything further. On May of this year talked to a customer service rep. who agreed to send copies of statements since my online account had been denied access so I could not verify if their claimed charges were true or bogus.

From March 2008 to June 30, have spoken to more than 100 employees all giving me a run around. What they claim is there were pending charges after payoff. Also that there was residual interest and that the payment was paid late. The pending charges were included in payoff amount. The actual residual interest was for $253.00 not thousands. But automaticaly placed the account on default so the interest rate would go up to 32% making $253.00 into thousands, plus late fees and interest and late fees on those fees. Total mess. I told them I would be willing to pay the residual interest but at the original rate of 15% not 32% but they refused. On June 2008 they sent an email to contact them immediately which I did. The employee I spoke with said I don't a problem for you to settle for $300. and we will remove negatives from credit reports but my surpervisor must finalize it. My supervisor is at a funeral but tomorrow he will call you.

That call never happened so I call him and again oh my supervisor is in a meeting. This went on till the last day of the month when I was placed with a supervisor that was very rude and said there was nothing else to talk to me. That the balance of 1,873 was charged off and sent to credit report. The most I can do with the credit report is place a dispute which I have done all of them. But there is still a collection agency harrasing me.

I was very ill after this incident. And my credit history has been totally ruined. A credit line I was approved to make repairs to my home has been suspended. If I don't finish fixing my house I could loose my house and become homeless. Hurricane season has started and we don't know when it could hit here in Florida. These repairs are vital and the only way to regain that credit is if Bank of America removes the fraudulent Charge Off placed on my credit report.

I missed the payment amount by $2 and they charged me $416 of additional interest. They did allow me to pay the additional amount online w/o a fee and they did reset the promotional rate for the rest of the period but the shenanigans of changing the number of days in a month seems arbitrary and punitive.

I've never been late and never missed a payment. I am on a fixed retirement income and fear that I will be unable to continue paying $457/month on this loan. Most of my payment is going to interest. I also never received a letter from BOA stating they were changing my rate. Is this legal?

Financial hardship in paying this loan, potential risk of ruined credit

This is very aggravating to me because it was never explained to me last year that the World Points would be taken away, it also bothers me that if these points are not available to me then why would they continue to show on my statement every month? I have filed complaints with Bank of America to no avail so I decided to go to a higher source and see if this gets anything done, it is my belief that those points are still owed to me, I earned them, I paid for them in FULL and do not plan to stop fighting until there is a resolution!

i then called boa to get them to lower my interest rate. they told me on the phone that not only will they not lower the rate, they are cutting my line down to $1000. because i was high risk, even though i paid their ridiculous payments every month for 6 months and then paid the balance in full....

Finally, I got a rep that took the time to actually check it out and she admitted that she could see that I had not been sent statements. But she said that a statement was a courtesy and I was responsible for the bill regardless. That doesn't sound right to me. I agree that I owe the original amount, but want the late fees and interest which amounts to twice the original amount to be recinded. She said I would have to deal with LHR about that. I don't think it's right that I should have to learn that I owe something and that my card has been charged off from a credit collections agency. And charged thru the nose for BofA's mistake in billing. And have my credit report tanked because of it.

I rarely charge on a card, always using my debit. I don't revolve balances, always paying total at end of month. Therefore, I don't receive a statement most of the time because I have not charged and have no balance. So it is the norm for me not to receive a bill from month to month. I may only use the card once or twice a year for small purchases. I simply forgot I had used it, and when no bill came, I was not alerted that anything unusual was going on. Yes, technically, my fault? Not so sure. And is a billing really just a courtesy? I thought it an obligation to be correct. Wouldn't therefore, the company be obligated to provide one in order for it to be correct?

BofA charged off my account. I had that account since 1990. There is the damage that does to my credit rating. Also, they turned the account over to collections, LHR. The stress and upset when they insulted me, saying that I had probably shredded this card and already started charging up the next one. Completely untrue. And asked how many other accounts I had defaulted on. NONE. And Said that they have already reported me to credit bureaus even though I have 13 more days to respond in writing.

Twenty years ago I worked for a company and setup a cash transfer system for a retailer which took less than 24 hours to consolidate deposits from 200 different bank (not branches but different entitites) locations into a central bank account. I think things happen a lot faster now yet it took four days for my payment to get form my bank to Bank of America. Where did the money go for four days? Why do credit card issuing banks get such leeway in processing electronic payments. Is there any tracking of when a bank actually gets money from another bank or is the receiving bank the sole arbiter of when a payment is received?

Late fees and interest. I closed the account after they denied eliminating the fees and interest.

But all in all my grievance is that it is now July 7, 2008 and I filed the claim in January 2008 and have been dealing with it since then. I am just upset that I wasted so much of my time just to get denied, when in fact if someone was doing their job and actually reading my paperwork they would have been able to get back to me earlier. I have been looking for the company on BBB and have not found them yet and now I see why they wouldn't enroll because they would have several hundred complaints.

Wasted my money for several months, only to have my claim denied!

this leaves me open to id theft.

They offer the ability to have your payment recorded the day it's due, which is a nice feature, however, I think they're taking advantage of those of us who play it close. If I forget, ok, but changing the playing field without telling us is rude. Ironically, Bank of America had a Banner Ad on the same page as your article about floating due dates. Go figure.

$30 came out of my pocket and went into the pocket of an Executive at Bank of America. I received no services in return. That hurt.

l also lodged a complaint with the BBB,that investigated the case and they subsequently gave me back most of the overcharges and they decided to close the account nad cut my credit limits on my other accounts from $32,000 to $5,000. I may have a high credit card debt but l had never beeen late in twenty two years for any credit lender. I think boa/fia are practicing unfair credit and loan systems. My trouble started with them because l refused to be pressured into taking a second mortgage on my house, few days after that l received a letter in the mail saying my debt is too high and that they have decided to lower all my credit limits. They need to be taught a lesson through a class action suit for unfair credit practices.

After all my limits has been drastically slashed, now most creditors think my debt to available credit ratio is too high, thereby affecting my credit score by about fifty points and it still going down.

I called back today and a very unprofessional, rude woman named Rebecca (would not give her last name) from Norfolk who claimed she was the account manager claimed she could not help me. I am a long time customer with on-time payments. I think it is absolutely rediculous that I could not be helped with this situation. Any other bank I use counts Saturdays as payment days. I cannot believe a bank as large as Bank of America cannot accomodate their customers by doing the same. I will have to find another bank that meets my needs since I am busy during the week and I need the option of paying my bills on Saturdays. Not to mention, I cannot take rude, arrogant call centers that do not have any managers with whom to speak when you are not satisfied with the service. I hope to hear some sort of response, although at this point, I am not expecting anything special from Bank of America.

My credit card APR was raised from 2.99% to 18.99% because Bank of America does not accept Saturdays as valid payment days. I also was charged a $40 late fee!

Now, instead of being in better financial shape, it shows that I am at my credit limit instead of $7200 Below it. My previous credit limit was $10,300!!

I have never been late with them and have the card for over 8 years. My rate was recently jacked to 28.9% because I was nearing my credit limit! I have always paid over the minimum due each month. CAN THEY DO THIS!!!???

This was money I had saved for hard times, being a single woman and now my savings are gone.

I had resently lost my regular job and business was very slow in my s corporation aspect. I had to starve and slept on the streets for the weekend. The financial and the like stress bank of America created on me lasted for years. I resuted to loosing my prescious items and important documents in storage- these includes but not limited to my life long research work some of which were going through patent processes.

Had they increased my payment as they should have done more money would have gone to principal instead in the past 7 months % 2,387 has gone to nothing and my balance has gone up with no use of the card. In addition and this is fine they closed my account because I kept trying to get the rate down. This I understand is comon at BOA to the same customers they mess with the ones who pay there bills. There entire attitude was I use my accounts so I am a risk and in my case I have cut them as a bank and paid there balance off and told them to shove there rates. I am seeking your assistance in filing a claim so they cant continue to go after innocent people and in addition get the finance charge I was socked with after paying the account off erased.

7 months of $341 payments that had no effect on the balance as I watched it go up month after month. My finance charge also exceeded the balance which in my opinion is illegal. Talking to them was met with fights and argummnets, they closed my account which effects my score but now its paid off so the last laugh is mine. They need to be fined and watched and I need to have my finace charge they say I now owe washed away as they are the ones who over charged me on the finance charge

$39 late fee plus losing 0% interest for four months at $22 per month

I am in the process of trying to rebuild my credit and found that this is on my credit report.

Do not use Bank of America credit cards!!!

This caused many of my personal and business accounts to be overdrawn. My rent check bounced and the money in my personal account was being saved for a medical procedure I needed done.

I always make my payments on my credit debts and would say I am savvy with credit options and pay very close attention before agreeing to any kind of loan or new credit. I trusted this company and representative and honestly feel like I was misled. Even after reading the approval letter I received for this loan, it does not state anywhere on that cover letter that it included any kind of transaction fees.

When I had started search for loan options, interestingly I was warned by another credit company that Bank of America was good at hiding fees that you don't about until after the fact. Now I know there was some truth to that statement. I called B of A as soon I found this upsetting information and of course they refer to their disclaimer and say that they cannot do anything. So, I will send complaint letters and see if there are any options for a trusting consumer. Please advise. Thank you.

Right now I am angry and it is an additional financial burden.

On a fixed income, this will very soon cause my Mom to be overdrawn in her account. She barely has enough for food and medicine now.

I only make $450 every two weeks, so you can imagine how I felt when I found out that not only had my account over drawn, but they charged me 11 times and the direct deposit that I had just received had only gone to overdraft charges and left me with about $90 to pay my rent, and many other bills. I managed to get them to waive $170 of it. But, as I've read that many have received as a response before, it was not bank error, so they could not remove any more fees. The reason I am so upset with them is the fact that the only reason the lmost recent 10 over draft fees were charged was because of the very 1st overdraft fee. I know it was my mistake, but is there really a need to punish me 11 TIMES for one accounting mistake.

I truly hate the way Bank of America has handled my situation. I had to borrow money from my Mom to pay rent. Not only do I have to pay her back as soon as possible because she is in a tight situation as well, but it has thrown off my budget/ bill pay plans for at least the next 3 months. When your down and not making that much money...it's hard as hll to get back on track. DON'T THEY KNOW THAT?

Since I rarely used the Bank of America account and wanted to close it I did not know what had happened until I did try to close it. No one from Bank of America tried to contact me. They had my number on file, along with my email address and a back up number. Both Wachovia and Wamu investigated my situation, along with having me sign affadavits and looking at atm photos. I received my money back within a week. Bank of America refuses to let me see any photos and they claim that I am still responsible for over $4,000 dollars. The customer service representative even told me that numerous people were reporting fraudulent activity similar to mine, but they still refuse to clear this case.

I am a full-time college student who works a part-time job. This account now shows up as a problem and has caused my other bank account at Wachovia to be closed and I am unable to do anything because they have reported me to some credit bureau.

charged me 3 times the interest; called customer service and they did credit me for this month the difference because I complained but basically I was told to not use my account at all or the interest will go back up to 23.99%

No matter how many times I told them she claimed it expired ONE YEAR from the date of my balance transfer, and no matter how many times I told them to please check the records and see if there is a recording of the conversation, they wouldn't help me or even offer me a lower rate. I was deliberately lied to. I would have never asked for a balance transfer if I knew the rate would increase so drastically after a few months. No one at Bank of America attempted to find a record of my conversation with this representative, they didn't even try to discover her identity. How could she LIE without any repercussions?

I repeatedly asked if the rate would last for a year and the representive said YES. I am still shocked that a person working for such a reputable company could lie in that manner. She didn't fear consquences and obviously she didn't have to since Bank of America didn't follow up or even care. Unbelievable.

The increased interest rate has added so many unneccessary charges to my balance. I planned to pay off the entire balance within a year at the rate of .99% but now that the rate is 18.24% it is impossible. I had been a great customer since 2004 and always either paid off my entire balance immediately or paid more than minimum. My credit might be ruined because of the false statements of that Bank of America representative.

I think it's ridiculous that they couldnt help me, and said that it was against their policy, which one of the teller had help her before. She went to another branch and the teller over there had helped her. She had to walked 6 extra blocks just to help me pay my credit cards, and she injured her foot for trying to run to the other branch before they closed to help me.

We will need to purcahse full-price tickets at $710 each rather than 50% off tickets so we are each incurring an economic damage of $355.

It has taken money away from other things that need to be paid as well, like a light bill or phone bill and even food because of the overlimit fee or late fee if you are late 1 minute. which it wasn't charged over it is their over the limit fee for going over due to their high interest rate. This Credit Card abuse is getting way out of hand, but they tell you that we signed the contract!

I don't recall the advance, I contacted them though and they said I obtained a cash advance for $70 in August 2006; I am waiting for a copy of that statement; anyway I now owe them $251 for that cash advance and have been told that no matter what amount I pay them each month, they will never apply any payment to that cash advance as long as I carry a balance; in other words, they will be holding my hostage and charging me interest on the interest of that cash advance as long as I have a balance with them; can this really be legal?

Even if I close my account; make more than minimum payments for the next whatever; the cash advance balance will continue to grow - currently at a rate of 23.99%; in 2 years it has already tripled and if they are allowed to prevent me from paying the cash advance off, then they will keep charging me interest on each higher amount accrued.

I called the company immediately and they said that because I didn't respond to the letter that there was nothing they could do. During my conversation they did say that I have never been late on a payment and I was a good customer for 8 years! I am very upset that this has happened during a time when everything is going up and families are barely making it by. Even though my income combined with my husband's puts us in the higher middle class bracket, we are still struggling with day care, food expenses, long distance commutes to and from work, doctor's expenses, etc.

For Bank of America to do this to a customer for 8 years is flat out wrong! They are the worst company to deal with when it comes to helping their clientele. Yes, they are polite on the phone but they make bundles of money off of people like me. Something needs to be done and fast so people won't lose what they worked so hard for. Grant it, when I saw the letter I should've called, but I thought I was okay since the account number was different and I was no longer using the account reflected in the letter.

Since this incident, I have closed my account and once I pay off the balance I will never use a Bank of America credit card ever again.

A few days later, I check my checking account balance and see that it is overdrafted. Bank of America posted TWO payments to my account. I go to their site and see an email from their CS staff saying that the first payment did not go through for some reason and as a convenience to me they posted it for me... without checking to see that I had already posted a payment and my account balance was now ZERO. So now I had a huge CREDIT on my credit card, go figure. I called their customer service and basically got the run around about it, but they eventually reversed it and my bank was nice enough to reverse the overdraft fees that posted to my account because of it.

That was quite a pain, but I was finally done with this credit card and ready to move on with my life. Oh, if only. A full two weeks after this fiasco, my checking account gets overdrafted again. Bank of America posted a THIRD payment to my account for over three grand! Without my authorization! On a zero balance! I was fuming. I spent most of my (work) day going to my bank (who refused to help, but that's another story), to a BOA branch, and on the phone with their customer service. On their end, the payment had posted as paid. At my bank's end it was still pending. My bank said I'd have to wait for it to bounce and deal with the fallout of that. BofA said since it was posted they could only issue me a check which could take WEEKS to get to me. They were leaving me out in the cold without money to feed my family. I was not impressed with the service they offered me. I felt I was cheated and that they had STOLEN my money. My bank ended up bouncing the check for insufficient funds, and again reversed the fees for me. I was told by B of A's customer service that it would be handled on their end and I was finally free of this burden.

End of story? Not quite. A couple of weeks later I receive a bill from B of A for over $100. For what? Well, my third payment on a zero balance bounced, so they charged me a fee for it bouncing, and then they charged me a late fee for not paying their fee... A fee for a fee for their mistake. This was just lovely. Customer Service made it out to be my fault (I had made the payment online, didn't I? NO!) and said they could remove the late fee but not the returned payment fee. I was fuming, and no one I talked to was willing to help me. Did no one take notes on this account the whole time? Could no one see what the hell was going on?

I gave up on getting any help from B of A and contacted the NY State Attorney General's office to file a consumer fraud complaint. They directed me to the Comptroller of the Currency's office, to which my complaint was forwarded. Shortly after the complaint was received by them, I received a phone call from Ty G (sp?) from FIA Card Services' Office of the Chairman, whatever that means. I explained the situation to her, but she still refused to believe that I had not made three payments to my account online. First of all, why? Why would I pay my account off completely three times? Why would I apply two payments to my account when it was already zero? Second of all, how? How does their system allow me to pay close to $8000 MORE than I owed? How could I make a payment when no money was due? I bit my tongue, however, and she relented to removing the charges from my account so that it would finally, FINALLY be paid off and zeroed out. This only took two months and a letter to the Comptroller to complete...

Since the two payments bounced from my checking, I have no physical record that this happened as far as my bank goes, other than perhaps a record of the fee reversal. And B of A still insists that this was all my fault somehow, and that _I_ posted those payments, even though two of those payments were never authorized by me.

She transferred me to an account specialist that did not handle the situation or me with any professionalism. When I tried to tell this individual to view my payment history and note that I had not been late and I had been making more than the minimum required monthly payment, he kept stating that quote - yes, I see where you have made a little more than the monthly payment, but you need to make MORE than a little to reduce your balance more.

He then asked for my annual income and my husband's annual income which is just over $60,000.00 and put me on hold. He came back to the phone to advise me that the most he could lower my interest rate was 1%! which was basically no decrease at all, going from 23.99 % to 22.99 %! This individual then began to badger and and insult me with scorn and no empathy by telling me, Madam, if you and your husband are making $60,000.00 a year, why can't you afford to make a lot more than a little more of your minimum monthly payment. I told him that our budget and expenses in paying our bills were personal and none of his business.

After that they went on and on talking about the great benefits of the program. I am just happening to going trough a family health crisis were I had to move my residence. So since they had enrolled me in this plan I saw the opportunity to get my money back. The people in the telephone assured me that this was a great idea because my minimum payment plus the benefit equal $340.00 only for march. Since I moved in January they would give me a retroactive for six months. So they send me the forms. I made the mistake of believe to this institution. I had no way to confirm this on paper because there was no paper in the first place. Nothing for me to read or keep in my records; a couple weeks later I got the paper work. Only one form and a letter that states I am activating my plan. No clauses, no explanation of how much money I am likely to get.

Again call and they convinced me this was a good thing for my situation telling me the amount of money I will get since is retroactive from January and I made clear cancel the plan which they toll me no need because when you activate the plan you dont have to pay anymore. I made the mistake again of not research this and have papers to back up their promises. Then I have to spend a month to prove them that I have no job and that I moved my residence. Send airplane tickets, lease contract, electricity bill from Alaska and New York etc. finally in May 14 they made a deposit in my account for 380.00 and charge me a financial fee of $34.00 when I call to ask for the rest of the money the answer was. We only cover three months for life event. We can not honor unemployment because you did not get fired you quit your job so become unemployed was my choice. I was not the one with health problem, someone else in your family is therefore you not entitled to receive the benefit. The retroactive was calculated three months before the date you moved not after. Those where the months that my minimum payment was half of what became after January with my move and family situation.

As you can see the institution always will find loops to not comply with their promises; and because I never had anything in paper. Well silly me. In the good side, since September they only have steal $675.00 that I pay interest like any regular purchase. I only get back $380.00 which put me in a much better place that other people scam the same way. Although in April assure me it will be no more charges from the Credit protection plan because activation in May the charge appear again. Note that I did not see these charges in my account because they do not put it in my online statement.

Every month of this year I receive the important news about changes of my account. The interest and the rules every month change in order to catch you in the minimal mistake. And you better pay that depth right away or you will be hook on super high interest for long time. Did I mention what would do to your credit? I have never default a payment ever and my business credit line was cut from 25.000 to 6.000 because my latest increase of my dept. And with that the interest has been increasing in case of default. Please tell everyone and be careful, I have no job and my situation is bad but if default my payments then I going to be in a much worse situation from were I just wont be able to get in my feet. All the time I lost in the phone and paperwork it wont be worth more stress to even try to take them to small claims the law is in their side. Because I receive money and follow the process I fell into their trap does not matter I never agreed to this protection plan in the first place. The only thin I can do is tell other people my experience hoping you wont make the same mistake.

They called again in Feb, March, and April, and I explained that I was still looking for work/working a temp assignment making barely enough to cover my living expenses.(I'm paying rent on an apartment in D.C and still carrying a mortgage in Charlotte.) So Mon 5/26, I tried to go to the atm to take out grocery money and it said that I'd overdraft my account. I called customer service and they said that they drafted $1,200 from my personal for the business credit card balance plus interest leaving my account at $0! They were completely unwilling to work to with me.

Customer service was very condescending and smug. Out of 6 people, only one actually seemed to care that my family and I would be out on the street. At one point, I've had as much as $25,000 in that bank. They were so excited to have my business then, but now they couldn't work with me during a rough patch. I'm going to close my accounts and go to another bank. If I could transfer my mortgage, I'd do that too!

This was done on my payday, so they took my entire check plus what was already in there, money that I had to pay rent and buy groceries for my children with. I had outstanding debit card transactions and checks that hadn't cleared yet. When the transactions post, they'll overdraw my account, resulting in overdraft fees.

On May 16th I receive a letter from B of A indicating I was not eligible for this offer. I called and spoke with David Kragenbrink, a manager at B of A, and he saw no evidence of a certificate offer being sent to me. I faxed and emailed him a copy that day. He said he would have a response for me in 10 days. On May 27th (today) I called and David was not there. I asked to speak with another representative and spoke with Daniel Gray who also saw no evidence of this certificate. I faxed Daniel a copy of what I was offered and he indicated he would look into this and get back to me. I am still waiting. This all seems very unethical to me and I am being strung along by this large Bank who sent me an enticing offer and now will not honor their offer.

Had to purchase my own airfare on a recent trip to San Diego as I was anticipating receiving the actual coupons in the original 4-6 week promise time.

About 2 years ago BofA increased the credit limit on one card from $6500. to $16000. and I used the additional credit to pay the IRS. Never missed a payment, or paid late. After 3 or 4 months I'd paid $3000 or so on this account, never using it again because of a temporary low interest rate and I wanted to pay off the balance asap.

Then I got a letter from them stating due to large credit card debt I was carrying, they were lowering my credit line by $2500. Fine, I wasn't using that card anyway.

Long story short, paid off another $3000, and then got another letter, same thing, lowered my available credit. They did the exact same thing on another account I have with them. Each time they do this, it looks like I'm using 98% of my available credit---not that I've paid down my balances by $6000/ $7000. which lowers my credit score. Needless to say I can't wait to pay them off!!! With the interest I'm paying them it won't be any time soon!

Their misleading business practices and manipulating my credit history have lowered my credit scores which makes it impossible to get a fair interest rate on all of my cards and makes it harder to stay in business. The stress of dealing with this is a hard thing to measure--but considerable!

When I called to inquire thinking it was a mistake, the Bank of America rep indicated they have the rate to change it and did so by making it 13.99%. I couldnt believe the demeanor of the rep and escalated the matter and got no where and the same rude attitude. I then made it my goal to get the balance transfer fully paid which I did with two payments in May (May 9th and May 19th). In reviewing my account after the 2nd payment on May 19th I had a negative balance of 7 cents.

Today I was notified I had a new statement available online which had a new balance $64.41. I called Bank of America to find out why since the balance had been fully paid with the last statement. They told me it was for accumulated residual interest on the month priors account. I told them to effectively cancel the card immediately. The purpose of my email is to share the practices I experienced by Bank of Americas credit card department and how it misleads the consumer and unethically applies interest even when fully paying the balance.

I asked the interest cost be reversed and was told no. I threatened not to pay the interest since it wasnt right and the rep who answered chastised me saying I would have to pay eventually since it would ultimately reflect on my credit report. What can be done to address issues like these to the consumer? Please share any insight or direction you may recommend. Thank you.

Overpaid interest rate while carrying balance from date of balance transfer and purchases along with being charged interest even though the fully balance was paid the prior billing period.

I do not understand the change and the advantage to me, the consumer, with this change. All this does is add to my monthly balance on my card which I pay in full every month and gives me less time to pay the amount in full. I feel as if BOA and RBS are trying to trap me into revolving a balance. I'm sure if I was a day late with my payment i would get hit with a late fee, what gives the credit card company the right to be TEN days late in closing my statement? it doesn't take more than two or three days for a charge to post on an account. There is no reason to keep my current statement open for that long.

There has been no consequences yet but I strongly feel that this ten day policy is completly unfair to the customer and with the economic crisis we are in as a country it seems to me that this helps the credit card company get more money unfairly.

Of course, that never happened. I called 2 days later, and after being transferred to different departments and explaining to different people what was going on, no one was able to help me with this situation. I finally, spoke to a supervisor, and she explained that there was nothing she could do about it. I asked her what type of customer service they have since it was a mistake from their part. She said that since there is no record about giving me 200 points, there was nothing she could do to help me. If I wanted to close my account after I pay off the balance, then I should do so. Obviously, she did not care about my satisfaction as a customer. Her only solution was for me to close my account.

Occassionally recently due dates for the 2 accounts have not been consistent - for no known reason sometimes been changed so they're not on the similar dates. If not carefully watched payment at earlier than usual due date can be a problem. On two occassions we have somehow not noticed the changed dates with result that payment posting was not on due date on our Mchrg. account only. In February of 2007 our Master Charge Account due date was for some reason set for 2/28/07 and our Visa account due date was 3/02/07. We noticed the matter ourselves and the payment was made by phone then posting on 2/29/07.

We were assured that our lifetime 3.99% rate would not be taken away for that reason. On the February billing the rate was not changed but in March unnoticed by us the rate increased to 9.9% - the highest rate on our account at that time. The increased 9.9% rate went unnoticed by us until the current 5/08 billing just received with rate just now increased on 5/06/08 billing date to 24.99%. Bank of America says notices were sent in 2007 warning of the increase - that the 9.9% rate would be increased to 24.99% in 2008. The notice also said that increases would exclude promotional rates.

We had another payment posting matter in February of 2008. Our payment due date for Master Card was 2/26 & for Visa was 3/02. The payment by one check for both accounts posted on 2/29/08. (Note MC & Visa payment due dates for months just prior and after were both on 12/01/07, both on 1/02/07, both on 2/02/08, both on 4/01/08 but in February MasterCharge was on 2/26/08 and Visa was 3/02/08. So far the increased interest charges from 3.99% to 9.9% beginning with March 2007 billing cost probably $400 in additional interest charges - the Mastercharge increase from 9.9% to 24.99% begining the May 2008 billing is about $100 per month for almost 2 months.

For the grevious error of having the mastercharge payment post on the 29th and not the 28th of February 2007 we now have added interest cost of about $600 - and much more additional cost will be added if we do not payoff the entire account right now. The changing of the payment dates arbitrarily seems in itself to be predatory - there is a very short period from receipt of the bill until payment is due - one would wonder how the dates are set and why for payment due dates.

The economic consequences towards me are unknown because my future credit rating influences the APR I receive currently on revolving credit as well as future credit. I may end up paying thousands more in finance charges through the course of my current and future loans.

Stephen Morrow said Please be advised the balance transfer of $1748 is still at the 0 percent until September 1, 2008. Our records show the terms of the balance transfer offer included a 3 percent transaction fee for each balance transfer amount processed. The minimum fee is $10 and the maximum fee is $75. We appreciate the opportunity to assist you online. Should you have any further inquiries, please e-mail us again. -- DUH! to Stephen Morrow--he can't help me obviously .

Kathryn Sinkevitch, Shelly D Marshall, and Matt Martin said To provide you with the most accurate and efficient service, we ask that you contact us... If you continue to send inappropriate messages, your account will be referred to our corporate security department for review, which could result in the closure of your account.--they're dodging the issue and threatening to make me suffer even more. . Thomas T. Brown said The $52.44 is the 3% transaction fee. It shows up twice on your statement, as a transaction fee and again under the section for finance charges. It is only added to the account balance once. We apologize for any confusion.--wrong! my balance of $2,223.46 is proved that my account was charged twice and since when did any finance charge has to show up twice as a rule?

i don't trust their business and their service is at an all time LOW.

If I had known they were going to double my interest rate I would never had used Bank of America. I have been with them for several years and never had any problems until now. They do not care about their customer they want to get people in let them use their credit then when they are near their limit they double the interest rate. This is predatory lending if I have ever seen it. They should not be ale to do what they have done to me and others.

My payments have jumped from $70 to over $100 dollars a month. Because they changed my rate and I did not know they have now charged me $39 for being $6 dollars over the limit.

Two months interest on approximately $15,000 at 20.99% instead of 6.9%.

My husband and I are working for a non profit organization so we are desperately trying to pay off our debt. This does not help our cause and just gets a deeper and deeper into debt.

It won't effect me because it was only $300 but they should learn a lesson and stop using this type of tactics to get the business I try to contact management but no response from them if management want to confirm they should check the correspondance (recorded messages) but no one bother about this.

Checking account was overdrawn causing a penalty fee (near future drafts may cause the same) as well as loss of interest from the monies being transferred from my savings account into my checking account to cover the overdraw.

Then I just recently discovered that BofA has been reporting me as late ever since September of 2007. It looks like I have not made a payment since August of 2007 eventhough they draft the money out of my account every month. I have been through both the collections department and also the customer retention department and I was told that even though the payments were made, it was that the agreement was not approved in September of 2007. I asked why I was not notified with a letter or something. I was told that they do not notify when a program is not approved.

I am a 3rd year medical student and a single mom. I cannot get the private student loans that I need to pay the rest of tuition and support myself and my child. There are no other loan options for me, I have to get a private loan, but my credit is ruined now. I may have to drop out of school when my money runs out. I already have over 260,000 in student loan debt that I will not be able to pay back if I do not obtain my MD. I have to finish school. Please help me. I cannot seem to get an address or the right department. How can I fix this?

What she never told us what that for us to get this rate, she was suspending our credit card and closing our account. She did this without our knowledge or consent. We were told that if a person is late one time on their bill that the rate automatically goes up. Prior to this, my other half made a purchase for a computer, made the purchase in good faith, and Sharon Tabor stood in the way of the purchase being authorized. She made the arrogant comment that the purchase was not necessary. That if the money was for food or utility bills, that she would authorize that. Bank Of America said that they could close anyone's account at any time, for any reason, that they did not have to tell the person. Well they clearly violated their own credit card agreement.

It states in there that Bank Of America has to give a person 15 days notice before closing their account. WE were given absolutely no notice. It also says that if a person is delinquent on their account or over their limit, which we were not, that the 15 day window does not apply, but that notice still has to be given. Bank Of America had examined our account before and never took any action until we made a formal complaint to the federal authorities. WE believe this was done in retaliation for that being done. Also in examining our account so many times, it has caused my other halfs credit score to be compromised. That is not appreciated.

This action that was taken has caused us much pain and suffering and alot of unnecessary anxiety. I have had some health issues due to this. It has also recked havoc with our being able to get some bills paid on time.

I dont know why BOA keeps on changing the due date. I found out that I got charged another late fee on Feb, too. If I had balance on other months, I would have paid more late fees. All my other credit cards dont change due dates like this. They only change 1 or 2 days if they change. I dont think it's fair to change the due dates like this. All I can think is that this is a BOA trick to charge the late fee to its customers. Thank you for reading!

Meanwhile, the household bills still have to be paid and accessing credit cards has been our only means. I still have kept current on payments (late a couple of time to BOA) but with a phone call and explaining the situation, most of the time the late fee has been waived and the current intro APRs reinstated until now. I currently owe BOA approx 57,000 out of the 85,000 credit limit extended to me, but recently received a letter on each account that the credit limits have now been reduced to a couple hundred over the balance and the interest rates have climbed from an average of 7.99 to anywhere from 15.49 to 24.99 making the minimum payment in most cases more than double. I have a great deal of home equity, but with debt to income ratio, I can't even access it to pay off these credit cards. I am literally approaching financial ruin, but it wasn't because of lack of responsibility, but due to medical health issues that a growing number of middle class Americans are facing with the increasing cost of health care.

When a bank lowers your credit limit to nearly what the balance is, doesn't it drastically effect your FICO score? Also, I have Chase, Citi, Discover will they follow suit if BOA has thrown up a red flag? I have spoken to a debt consolidation company but they advised me that they have to include all unsecured debt and I don't want to involve the other banks that have treated me fairly, which includes offers in the past year of 3.99 and 4.99 for the life of the loan. I also have a 1.99 for the life of the loan. These are ones I have accessed to pay off automobiles, boat, etc.

Now I see that BOA has charged me $39 as return check fee for a check returned from their own bank for money I never really owed them. I feel cheated and the bank has robbed me. I dont want my money back but I want the world to know the ethics of this organization.

$39 lost

How can they charge interest on a zero balance? They have been charging late fees and finance charges for the last three months and I didn't know about it. I hadn't received anything in the mail or through email until 3 months later showing I have a balance. They were only willing to remove 1 month of charges. I haven't checked my credit report yet. It probably shows a late pay even though I haven't had any late payments with any company in over 7 years.

I have worked so hard to get good credit to be able to buy a house and now I am consumed by BOA. They are my worst nightmare because they have made it unmanageable for me and I am sure for many others who are struggling to support their families at this difficult time in the economy.

Around Mar 2007, I received a call from BofA regarding my past due credit card account. Having explained the situation I was advised that I had to open a new user name linked to the BofA card services site, and re-setup the automatic pmt. Setup attempt failed, spoke to BofA rep who tried to help me; then, the rep transferred me to Tech Support who walked me through setting up my new ID and recurring pmt. Unbelievably, it still did not process my payment. Now, late again, the rep connected me to Tech Support, again, and this time, they said that I could not setup an automatic payment with my type of account (Business & Personal now both with BofA). That's when I requested a supervisor of Tech Support. Obviously, still not the solution. He had me setup 2 different ID's; and, on one of the ID's I could view either account; but, I could only generate payments by logging into that 2nd ID.

Once again, we setup the payments together to insure that this rediculous situation be cleared once and for all. After all of these failed attempts, they had raised my interest rate to 30%, charged many late payment fees; and, then to top it off, when I tried to call back the same rep I had been speaking to on 3 separate occasions, he was in a meeting, he was not in at the moment, I left messages that were never acknowledged or returned, finally, I was told that he was not at the number I was calling. Strangely enough, even with a first and last name, an extension number, and the city he was working from, no one could track him down...we don't have a company directory available.

After 8 months of this passed, I finally spoke to someone and their supervisor who said that in order to fix things, I needed to set up a payment plan. Since I had maintained making the payments for the 8 months that had passed, they gave me a set interest rate until paid in full, no more late fees, no collection calls, and no negative remarks on my credit report; and, I would continue making payments for the same amount I had been making. so far, so good even though I don't feel that they have fairly compensated me for all of the hassle and the extra amounts that were added to my debt with them.

As a result of their oversight and continued errors in correcting it, my impeccable credit score has suffered severely, other long standing credit cards have significantly reduced my credit limits, while raising my interest rates. I lost so much time from work, jeopardized my business, and negatively affected my credit score.

$39.00 and an excuse to raise my rates.

I call back B of A again to say that Kay Jewlers won't send back the money. I again state that I did not authorize then to transfer any money. The person Adam says did she read you your rights from the agreement. I said yes, but after hearing it I said I was not interested and canceled. They said there was nothing I could do. My first payment was due june 1st.

Even though the loan is at 1 percent till januanry 2009. there were hidden transfer fees and interest payments. Also a risk of being late would sore the interest payment over 23 percent. The laon I had was interest free for a year unless late and would have been paid off sooner.

I thought how convenient for them that I never received a bill and now they can increase my rate. The rep was very nice and told me that she was going to reinstate my promotional rate and deduct the late charges. I called back a few weeks later after receiving a statement that said I was paying the 14%. The costumer service rep told me that yes your promo rate has been reinstated but your bill may not reflect until next month. A few months went by and still again I was paying over 14% according to the statements. I called again and this time the rep said no we were never able to reinstate the promo rate. She had no explanation as to why two other reps had told me otherwise.

If I had been told the truth the very first time I called and wasn't mislead, I would have paid off the card or looked at other options to save money on the interest rate. Meanwhile, I paid over hundreds and hundreds of dollars in interest rates because they flat out lied to me, TWICE.

The customer service rep. that he spoke with told him that he had a creditline that could be transfered to his account she made the mistake of taking the money from my account to put it into my brother's account when he never had any credit. He was denied a $10,000 loan that he applied for due to lack of credit. The customer Service Assistant was the one who made the mistake, one by transfering my money into his account, 2 by not verifying my personal information, and 3 the money was deposited into a BAnk of america account which I don't have one.

The bank is trying to make me responsible for thier mistake, therefore trying to affect my credit. They want me to pay them the money when I never authorized the transaction in the first place.

Anyway, just yesterday, she received another statement from Bank of America for that Credit Card claiming she owed $35.00 for an over the limit fee. She contacted Bank of America and spoke to Joyce. She explained she had been to the bank on the 11th and paid off the card and didn't understand what the $35.00 fee was. She was informed that the $35.00 was an over the limit fee - it had been posted on April 10th but didn't show up until April 21st. My wife attempted to explain to this nice customer service person that she had gotten payoff information directly from the bank and was never informed of that fee. She was told it often takes days for these charges to show up on the bill.

Her newest statement indeed shows the charge posting on April 10th and I am at a loss why in this day and age of computers, she wasn't informed of it when she received payoff information on the 11th. She was told if she did not pay the $35.00 they would not return the amount she was using to secure the card and it would go on her credit report. Now I know why Bank of America has so much money - they would make her forfeit her $300.00 for a $35.00 charge. This isn't the first issue she has had with this Bank. When she deposited a certified check one time, they held the check for I believe 24 hours. Her account was not negative but they still held the check. This kind of defeats the purpose of a certified check.

She was told if she did not pay the $35.00 charge, she would forfeit her $300.00 fee she was using to secure the card plus be reported to the credit companies.

I was waiting to receive a statement from them how much I have to pay and when but never got one. After two month some one from the credit card dept. called me and say that I never pay my monthly payment. I told him that I never got a statement, and I didn't understand that I need to pay.

I went to bank of America and made a payment. I also asked the maneger to call the credit card dept. and tell them to wave the late charges. He did it and they agree. I told them to send me the statements. I never received the statemnts. I called them and told them to fax me the stsements. They fax it and after receiving them I got shocked the interest rate was 31.4% insted of 0%.

Several times during the life of this account the bank, without an request by me, raised my credit limit. I guess they wanted to make the most of the new higher APR. At this, I went to the federal government's Office of the Controller of the Currency. I was told this agency oversees the banks. Shortly after I filed my complaint, I got a call from Bank of America. As a result of the complaint, they were gonna re-revue my account. And this time, they certainly didn't lower any rates. They informed me that my debt to income ratio was incorrect and they had to adjust our account. That translated into bringing the limit down to just above the balance. Additionally they suspended the account until you bring the balance down by a few thousand dollars. And if that wasn't enough they refused payment on a computer I had ordered despite the fact that the order was placed before any of these actions took place.

To allow this purchase to go through would've put me $300 above their newly assigned limit. And since they didn't judge a computer as a necessity, they would not let it go through. I was told if it had been to pay a utiliy bill, or some groceries they may have been able to approve that. So, thinking I had a least the small amount left below my limit to utilize, I tried to use the card, and discovered it had been closed. I strongly support legislative action, on the federal level (have you noticed all these companies base themselves in Deleware?) to stop these rediculously one sided credit card contracts. I can't imagine any other sort of contract that is so slanted in favor of one side.

Bank Of America has caused me a delay in getting a needed computer. They have made my monthly bill skyrocked with there raising of the APR. And to add insult to injury, they closed the account.

However my sister was with me in Mexico and suffer from the same illness and same fraudulent charges. American Express did not give her the run around and all took the time to investigate the charges and found that she should not have been charged for her stay in the hospital.

Not only Iam I still sick from my bacteria infection I received in Mexico but I know have a maxed out credit card on a high intrest rate of which I'll never be able to pay off.

they are making very hard to pay my rent buy food

and take care of my sick mother. if they continue to raise their rates for no reason they will people into bankruptcy

I would like to know how they can do this. I don't use the credit card, don't have a checking account, don't use the ATM, pay on time. I think they are doing some creative financing here and I'm really upset. I pay finance charges every month, they can't add any more onto a balance. And the one with the higher interest rate to boot. When this is payed off I'm through with them. I hope you can HELP!

they are taking extra money from me.

I carry a substantial credit card debt, but will now make every effort to transfer these balances and close all four of these accounts. My home mortgage is with Countrywide but with Bank of America plan to buy them, I plan on refinancing with someone else as quickly as possible. If congress wants to help the financial crisis we are in, they should consider better regulation of credit card interest rates. Personally, with these high rates, if I dont have the cash, I will do without.

Not just to me but to all the consumers who now have much less cash to help the economy grow. With the congress trying to stimulate our economy, Bank of America is hindering that growth with there increasing rates without cause. Their actions may be legal, but they are not moral.

I have tried to resolve this, but BOA is impossible to work with. BOA uses bullying tactics and continuously threatens ruining me. BOA has sunk to the point of leaving messages with third parties about my declining credit, even though they know how to contact me. BOA is now threatening to write this off as bad debt and ruin my credit for seven to ten years. Also, BOA is indicating it will send it to collections.

We were charged for something we did not order .

In Jan. 2007, I also found out about another account that I had back in 2003 which was closed out due to fraudulent actions taken on my account--which they are saying now that I still owe. For this account for 2003 three copies of the police report was faxed; however, they LOST my police report, and the department only keeps records for 2 years. I was then told by a branch manager that BOA policy's is that the consumer cannot open another account with the bank if there is another account that is charged off. If that was the case, then why were these accounts in 2006 kept open. Due to these accounts being open, I was led to believe that the previous account was taken care of. However, I sent the first letter off in June 2007 for the Charleston Detention Center. I keep calling and calling and still have not heard anything.

Now it March 2008, and I got another letter from the detention center and gave it to the branch manager at BOA on Ashley Phosphate Rd. They told me that there was nothing that could be done regarding it, and that I would have to hire an attorney to get everything straightened out.

Every time I deal with this bank regarding the same thing, I get chest pains like I am having a heart attack along with a migraine headache that stops after about 2 weeks.

This is a crime. This is stealing from the customer. There should be some kind of regulations on these kinds of transactions to protect the customers. If you look on the internet there are thousands of complaints regarding this matter. Bank of America just took the food out of my son's mouth for a week. Times are tough, and money is tight. I know there are fees associated with a overdraft; and if you make a mistake, charge me--but this is out of control. One fee would have been fine; I made an honest mistake, but they charged me FOUR $35.00 fees. Thank you.

There can be hundreds of dollars in overdraft fees for one item.

The person on the phone said to hold on, then came back and agreed to refund the money they charged. This is not the end of my bad experience with BOA. In February, for some reason or another, I did not receive my statement. I have so many bills to pay and since I didn't get the statement, I overlooked to pay my payment. Usually, all my credit cards show up in one place since I have several BOA accounts but for some reason, this particular credit card wasn't on the list. I was charged the late fee and also my promotional APR was replaced by 9.99%. I called the customer service and the woman told me me that they could waive the late fee once the payment posted to my account.

I called back a couple of days later and a nasty customer service named Peter ** answered the phone. I told him that the previous customer service told me to call back and I would get the credit for my late fee. He proceeded to speak to me in an undermining tone. I explained to him that I never received the statement and that's the reason my payment was late. He nastily told me that they have connection with the mail service and since I have other BOA credit card that went to the same address, he insinuated that I was lying. Does BOA track down all the statements that goes out? It's not like it's a certified mail. I started to raise my voice since he tried to play a power play with me. He stated that he would refund half of the late fee.

I couldn't believe this kind of customer service. He then told me that since I borrowed the money, I should pay. I've been paying faithfully on all my accounts without ever being late and this is what I get for being a good customer. I told him that I wanted to talk to a supervisor and he told me that he was a supervisor. If this is true and he is in charge of customer service, then I feel sorry for the company. I even have line of credits with them and my salary goes right into my checking account. I'm sorry now that I chose such a bank to manage my money. I was told that someone would call me since nothing got resolved but of course, no one called me. I paid off this account since I don't want to give them any more money in finance charge. I really advise everyone to avoid Bank of America credit cards.

I had to pay a late fee.

I've had to pay overdraft fees, late payment fees, causing some financial hardship. Plus, even though I closed an account, I was told I still have to pay the annual fee. That's not right.

As soon as I can get rid of this credit card I will and I will never use B of A again. I cannot currently get a decent mortgage. My fiancee and I are getting married in 4 months, and we cannot buy the house that we want. They really have ruined my otherwise perfect credit.

Normally BofA posts payments to its own accounts on the same day that the online payment is made (and their online deliver by date assured me that it would), but my 2/29 payment did not post until 3/4, one day after the due date. In my opinion BofA delayed the payment in order to assess late fees and jack up the interest on my promotional rate.

To test my theory, I submitted one more payment on 3/6 in the amount of $1, and sure enough it posted on the same day. In fact, that $1 payment has posted, but my second payment of $250 (made two days prior) has yet to post.

I now have an unjustified interest rate hike on a promotional card that amounts to hundreds of dollars in interest charges each month.

I was told now today (2/29/2008) that I do not qualify for any reimbursement. So I have paid hundreds of dollars to have this protection plan, and they gladly took my money every month for a service that apparently they do not supply. They have not heard the last of me. DO NOT APPLY FOR THE CREDIT PROTECTION. You will ultimately be paying for a service that they do not honor.

Being on unemployment and having other bills to pay, this has drastically made a big financial burden on me not to mention marital problems. I was told 3 months ago that this will be covered. Boy, was I fooled.

I had a bank representative suggest to me to file a bankruptcy as opposed to their getting paid the principle of my credit card. I could not believe what I was hearing. I called back a few days later, and I received the same information from another rep.

This has placed a great financial burden on me and my family - but I refuse to be late and or file a bankruptcy to destroy my credit rating. I have had to take 2 part-time jobs - taking me away from my family. But at least I have a life without the stress and the repercussions of having a Bank of America rep call me or send me to collections.

I have been a loyal BOA customer in good standing for over 10 years and this blows my mind that Bank of America might be scamming customers who don't monitor their BOA mail closely, much less their monthly statements (I, myself am set up on automatic e-bill payment and rarely receive BOA correspondence in traditional mail.) Either the representative who assisted me on 2/11/08 with my name change inadvertently, or purposefully, selected my account to receive this plan, or Bank of America is automatically enrolling many BOA credit card customers without their consent (either because they request a replacement card or other factors) is corporately abhorrent and irresponsible.

Had I not caught this early and canceled the program I was signed up for without my consent, I would have been charged $80 monthly on my credit card bill. I caught this early, so I was not charged anything.

The loss is that my balance never goes down on the MBNA card. I started with a $17k balance and now it still has a balance of $16k. HELP.

I feel BOA does monitor your website, and is fully aware that my complaint went national, and that I am being charged the high rate as a penalty for the previous complaint. Please post this complaint so other people are aware of the sneaky tactics that BOA took with the MBNA merger.

I feel my wife and I were robbed, I feel my questions are unanswered, and I feel extremely betrayed by the banking institution that we trust our money with. My complaint is that Bank of America is not more responsible with my money by not allowing me to spend money that is not in my account. Again, I understand one or two charges allowed to clear with an overdraft fee, but 13 of them at $35 each I do not. Why is my debit card allowed to clear a $4.62 charge from Starbucks when my account is already -$417.88, four days since my account began to be charged overdraft fees?

I have 13 overdraft fees adding up to $455. I spent one hour on the phone with the bank, 45 minutes of that spent on hold, ending by being hung up on by a supervisor, leaving me more frustrated and bewildered than before the call--with the only way to get back in hold of the bank being a 45 minute wait time.

My entire payment goes to the lower interest balance, and the balance with the highest rate does not receive any of the funds. The balance with the higher interest rate keeps growing in proportion to the interest rate increases. My balance is now over a thousand dollars more than a year ago. I feel that these practices are unethical even if they are not illegal. If I ever get out of the grip of this organization, I will never deal with them again.

My husband passed away in 2003, and I had two BOA visa cards at the time. I no longer needed two cards so I had the one my husband used closed down (@ 7.9% APR). BOA informed me that that account would stay at 7.9% for the duration of that bill owed (fixed). I was paying monthly payments on time and double the minimum to pay it off. Sometime in 2007 my rate went up to 14.99% with no warning. Now I had double the minimum. I always paid on time (no late charges). When I called BOA asking about why and how could they raise the APR on a closed fixed rate account, the person answered because we can. I couldn't believe the arrogance. She also said that I had been sent a letter to inform me of the raise and a chance to opt out by a certain date or close the account and keep the 7.9%. I never received that letter. The Account was already closed. After that conversation, I proceeded to moved part of the bill to a 0% interest account to help out.

What I'm afraid of is after I OPT OUT of my other account, what is to stop BOA from raising the rate anyway like they did last year? What if my other charge accounts follow through and raise there rates in a domino effect? Congress should investigate. I know there is no way I can ever pay off this account at 22.9%.

Bank of America knowingly let a fraudulent charge go though on my account. Bank of America refused to refund the fraudulent charges.

I have lost time and energy to deal with changing auto payments and financial stress. I feel as if they are taking advantage of a population that may be unable to navigate terminating the account.

If we think the economy has been impacted by the housing debacle, just wait until we see the impact of all the millions of people who can't pay their bills (and won't be spending ANY money on anything extra) because every cent they have will be going out to GREEDY banks. While our elected officials are busy worrying about Wall Street they better take a moment to address this issue because the economic ramifications are right around the corner! I went to a local credit union and have already changed our direct deposits and will be done with BofA as soon as possible. Our credit card will be paid off, and I will leave it open so that it only makes our credit score HIGHER and they will never see another penny. Bank of Opportunity huh? NOW we know what that slogan REALLY means!

My 6-month-old daughter has been awakened from her naps twice already from all this nonsense.

From what I am reading online, there are many customers in the same boat. I have also gone through this with Washington Mutual and American Express. The banks have have taken major losses in the stock market and are trying to make it up by shaking down their customers!

This affects my credit. credit I have worked very hard on to improve for the past 5-6 years. I have not been late or over my credit line for many years. and that only happened from having to deal with a life-threatening illness.

It is difficult for me to send them large payments, but I want to pay this off as soon as I can so that I am not paying them huge amounts of interest. I still have one son in college (the other one graduated in 2006), so I am keeping my house at 62 degrees so that I can send the money I would have spent on heat, to Bank of America.

BofA refused to make any exceptions but agreed to waive $30.00 out of the $39.00. I was happy for that and even though it unusual to waive only a portion of the late charge, but I kept my mouth shut. This is not the only time Bank of America has increased my interest rate. I had a 9.9% which was increased to 47% due again to my forgetting to make the payment on time. Why does it seem like the banks are waiting for you to mess up so they can slap these outrageous rates on you? I have been a BofA customer for over 20 years, and they have never offered me a lower interest rate for being a good, paying, loyal customer. I am afraid that all or most of these financial institutions have become predators, and the consumers are paying for it. Congress ought to be taking a closer look at these situations. Since it is virtually impossible to live in America without credit, I feel that we the consumers are held over a barrel. The irony of it all, is that these institutions cannot survive without the customers.

Case in point: I have since paid off the BofA credit card with an offer from another credit card company with a 4.99% rate until balance is paid in full. I guess I am on this merry-go-round until I can gain financial independence. I have since also written a letter to a Beth Kane at Bank of America to voice my complaint. I already know what the response is going to be: Sorry Mr. consumer, we are not in the business of giving and caring, but rather we are in the business of taking what little you have. One always see the story about how many Americans are in credit card debt, and how bad people are for letting this happen. I want to see more stories in the news about how these credit card companies and financial companies are ripping off the consumers just because they "can". And furthermore the government of this wonderful country refuses to do anything about it.

This is how they responded to my complaint. They will freeze the interest rate at 11% as long as I do not use the card for any purchase, big or small. One purchase, and the rate shoots up to 22%--including the $5,000 I borrowed. They also lowered my credit limit from $20,000 to $17,000. Insult and injury. My next move will be to close the account, making sure the 11% is locked in, and then do my very best to pay it down quickly with cash and balance transfers from lower interest cards. The whole thing is outrageous! Once shed of this debt, I will never again have anything to do with Bank of America.

I am concerned that Bank of America's actions here will adversely affect my credit rating and my contracts with low-interest cards.

It's outrageous that I've repeatedly been charged hundreds of dollars in one day for several transactions under $10, when the bank could have posted these lesser amount transactions first as opposed to the largest one to create an overdraft. As soon as I get my tax refund, I'm transferring direct deposit and all funds to my credit union. What Bank of America does to people (especially people who struggle financially every day) is borderline illegal--if at least deceptive. Bank of America should be investigated and featured on a television news program. Finally, it's ironic, but I've been with Bank of America for over 20 years. You'd think they'd cut a loyal customer some slack.

Needless to say, I've paid hundreds (and I mean hundreds) of dollars in unnecessary NSF charges. As a single mother struggling financially every day, I've not paid bills, not purchased food, and have lost sleep because I don't have the money that I've paid in these NSF charges. I feel totally helpless because I know that Bank of America has not been investigated and their practices will not be exposed.

So then when I pay this off trailing interest, will they charge me trailing interest on the trailing interest? It seems like you can never pay off any account of BoA. How is the consumer being protected from these predators? I am shocked that our country has allowed these practices to happen. For the record: I will undoubtedly close out every single account with BoA, but we don't know how far reaching their fingers are. I am very scared that they are running amok, and our congress cannot stop them. HELP!

I am under great stress and feel hopeless that there is nothing I can do to be a good consumer. I thought I was getting debt-free, one credit card at a time, then--wham--they hit me with another charge and another charge and then change the rules. I do not have much debt, but I think about other families that do. They will never, ever, ever get out from this burden unless Congress does something.

I have since closed my account, and now they would not remove these illegal charges. I will not pay for them, and they told me it would be reported on my credit report. I wish there was a way of reaching someone who actually cared at that company. We were going to use Country Wide for a home loan, but I will not use any company associated with Bank of America.

I wasted an hour of total hold time and transfer time to 6 different people. I will have a negative mark on my credit report which will affect my future borrowing rates. Personally it was a minimal amount of money, but I think it you added up how many people they are charging $5 a month, it might be worth a look. Thank you.

At least we opened the letter. We will opt out and never use Bank of America again. Since I manage a lot of money for other families, I have decided to move it out of the Bank of America to JP Morgan.

Since the companies such as BofA are placing these notices in areas of our statements that are nearly impossible to see or read, we are getting slammed with high credit fees that we would've never agreed to. What is with this?

I called customer service again and the rude lady I spoke to told me that they have already refunded enough charges for me in the past- implying the ridiculous notion that they should be able to take and keep my money- all the charges that they said they refunded in the past was MY money due to THEIR mistakes! So she would not remove the late fee- because they had already fixed enough of the problems THEY caused. The lady then informed me that my next payment was due on the 15th. I checked online and it turns out it is actually due on the 13th! She told me a lie! When I called her out on it she said well yes, your January bill will be due on February 13th but your February bill will be due on March 15th. This was on January 25th (So there was no February bill to speak of!). Looks like this is the second blunt lie I've been told by this company. Customer service is essentially useless because it cannot be depended on to provide adequate service- and it falsifies information to try and get people to acquire late charges. Today I opened savings and checking accounts at the local bank, got a new credit card and refinanced my loan through a different company. I had four accounts open with this bank and I've closed them all.

Fees that were acquired in late charges had to be paid.

I believe they have ripped me off of hundreds of dollars with their way of doing business, and I know I'm not alone. And I have had no choice but to close this account, rather than pay a ridiculous rate. How can they justify raising my finance charge to such a high rate? I have a car loan that is interest-free; you don't get an interest free car loan if you have bad credit, and none of my other cards have ever been late or over the limit. BOA is preying on low-income people, enticing them to spend more, and when they do they change the terms. This is unfair at the least, and criminal at its worst. SOMEBODY PLEASE STOP THEM.

My credit is now in bad shape, and they harass me all day by sending FedEx letters to my house and calling 5-7 times a day starting at 7:00 AM.

I realized immediately that the man had stolen my card and replaced it with another bank card that looked similar. I called immediately and spoke to a CA rep who said he had deactivated my card and that no one had accessed my account. I also requested an address change and contact # change while on the phone with the B of A rep.

Apparently my card was not deactivated and my contact and address was not changed. The perpetrator was able to cash out my account.

Bank of America will not admit that this practice is wrong. Once someone in customer service did agree that my deposits were in the account on time and that the order of checks were reversed. She reversed the charges and also said she had seen this happen over and over to several customers.

We do not know in the long how this will appear on our credit reports. We will pay off the card.

I was not given an option to reject the amendment to my account. Now 2 months has past and they sent me another letter regarding an amendment to my credit agreement with an option to reject. They want to raise my APR to 24.99% if I do not give a written notice within 30 days.

Obviously, shortening my 0% APR from 12 months to 6 months has affected my financial plans and now I have to suffer with a high APR.

Bank of America made deals with me to make minimum automatic withdrawals from my checking account until I was back on my feet. Three days later, the repo man is banging on my door at 1:00AM taking my car away. I am constantly losing overdraft fees to Bank of America. You never know how much money you really have because even funds that were rejected when you try to purchase online gets subtracted from your balance. Then several days later, they'll figure it out and reimburse the funds. Meanwhile, my debit card is blocked until I call their darn fraud protection unit.

Their correspondence states that if I wish to reject this extra dip into my pocket that they are helping themselves to, that I may no longer use the card. That sounds easy, but i can't pay it off right now, and what if I have an emergency and need to use credit? They have no reason to do this other than greed on their own part.

So, I have paid my January bill, and it still shows that I am late and am still being charged late fees every month because the BOA computer has listed my payment in the wrong month. I also am getting bad rap on my credit because Pamela says that it cannot be fixed. I must pay a double payment to fix the problem. It is not my problem to fix. The bank's computer made an error and placed my payment in the wrong month showing that I made 2 payments in November--or a double payment either way. I do not know who to talk to or who can straighten this out. How can this bank get away with this?

My great credit is being destroyed by the bank's error. I am being falsely charged with $40.00 late charges every month due to bank error. Bank claims there is no way to fix their computer stats.

I can't afford high interest rates anymore. Have been paying off son's medical bills (cancer) over last five years, and supporting mom, dad, son, niece and nephew. How much can one take?

Doubling the APR will create a hardship by making it very difficult to get ahead of the APR initially offered on an account that they continuously encourage me to use. I used the account for the intended purpose in 2007 and haven't used it since, making every monthly payment...ON TIME, AND ALWAYS MORE THAN THE MINIMUM.

I just got my first bill and instead of adding the $99 charge to my balance they called it a cash advance and started charging me 23.74% interest.

This is ridiculous and a fraudulent way to charge interest.

This resulted in a 30 day late payment reported on my credit. It is also going to result in an increase in interest rates on my cards. I am so upset that I'm being punished for their error. This could cost me dearly as my balances are very high.

I contacted a supervisor after being ignored by emails through their online customer service option to resolve the problem. I was told that they do not process electronic payments on weekends or holidays, and that is why it was late. I was told that if I had made the payment by mail, it may have been posted on time because they process these type of transactions on weekends and holidays (sound a bit absurd?). The supervisor said that it was 5 days to post because it was over the Columbus Day holiday. My beef: The payment due date was on Columbus Day, and I can find nowhere on my agreement with the company that they do not process electronic payments on weekends and holidays. If this is true, why would they have a due date on a day they don't process electronic transactions?

I have been changed from a favorable rate of 3.99% to 32.25%. They refuse to change it, although I have an excellent previous payment history.

Most infuriating is my current situation with Bank of America. I actually paid off, in full, my account and want nothing more than to never, ever deal with this horrible company again. UNBELIEVABLY, despite paying off the account (actually, I've overpaid by a few cents), and speaking to someone about having the account closed (so I would not be open to any fraudulent activity), the account remains open today! I just want to be done with this company! Instead, I receive phone calls and mailings offering higher lines of credit and low interest rates. I just want the account CLOSED!

In keeping my account active, I receive phone calls at night from Bank of America telemarketers. That in itself is infuriating. What bothers me most however, is the possibility that this active account may could potentially be used fraudulently, thereby putting my credit at risk.

Not only I have lost trust in Bank of America cards, but the name of Bank of America, unfortunately other alternatives like mbna and fleet have been bought by boa. I also wasted time in arguing with the unknowledgable customer service folks and their tactics to eternally confuse about their offers should be addressed.

I am upset that I have never been late, and one time I am because we were waiting for our unemployment to go through, and I am hit hard with this rate.

There is no way this loan will ever get ahead at $5 a month towards the loan. The bank wants to put you in this situation. I told them I never missed payments, and now with a higher rate they are placing my account in jeapardy.

I later received a credit card statement under the new account # (with more balance transfer checks - for which I requested no more to be mailed out to me). The first 2 checks fraudulent cashed out showed as a credit. The problem was a third check was cashed...3 days after I canceled the original credit card. As I was told by the fraud dept of Bank of America, it was placed against the new non-activated card number because they could not apply it to the closed card. To make matters worse, I later found out that the 3rd check had the fraudulent Staten Island address on it and was cashed at another bank account also set up with my name and SS#. The person that handles my case, sent me a letter to inform me that it was determined that the charges are mine, and I would be responsible for close to $30,000 in balance transfer checks cashed plus finance charges. On top of it, I would need to contact the banks where the checks were deposited and take it up with them that this was not mine and it was fraud. I would need to fill out paperwork with credit union banks I never dealt with - nor opened accounts with--to have Bank of America even open up the cases again. The credit unions told me that I do not need to deal with them directly. Bank of America is supposed to handle these cases with them directly. Chevron Bank was one of the credit unions that was kind enough to make the direct contact with Bank of America directly to get the case reopened because they have had many cases in a few months that were all fraudulent activities with Bank of America. I've questioned why a check was even cashed against a closed account but cannot get a straight answer. The person could only put in a note in the computer that no further checks be put through - but they could not guarantee that it would work 100%.

I spent countless hours, at work, speaking with Bank of America's fraud dept. At times I was screaming because it was so frustrating to be told that I am responsible for these charges regardless of what I say. I had to fax over my driver's license - I am guessing to prove my address and identity. I have taken time off to go to the police precinct and complete a report. Then told (after completion) that I am in the wrong precinct and will need to start over at the correct one. My husband and I have spent countless hours calling the credit cards to cancel or reduce limits so that we reduce any further damage (hopefully). It was not a great comfort to know that they could not guarantee that any further checks could not be cashed....It is so maddening that I can't clear my name, and now my credit reports are coming through with other names and variations of my SS# appearing on it with a few addresses that aren't even mine. I worry at the idea that it could affect my children's future. I worry everything will be taken away, and my credit will be worthless due to this Bank of America's lack of security.

This is by no means the first time that Bank of America, MBNA (before the sale to BOA), Sallie Mae, and ACS have ignored letters with requests, instructions, and even billing disputes. (Sallie Mae violated my daughter's credit report rights as well as charging interest my daughter did not owe, and ACS charged me close to $500 I never did owe them but they ignored my letters so I had to pay it to protect my credit rating.) It is appalling the way these companies ignore our legal rights without consequences. Also appalling is the way these financial institutions put us at risk of credit/ID theft, and then want to sell us ID/credit protection! T

Continual credit offers and blank checks in our mailbox, open to theft. Time and frustration in writing multiple letters and phone calls, not to mention no clear explanation for lack of legal follow through and respecting of consumer rights.

This is a $1,329.90 charge for insurance that was not needed or wanted. They doubled the rate from the last policy and justified it by showing my duaghter 51% at fault in an auto accident that was clearly the other individuals fault, as admitted by him and witnesses to both his and my daughters insurance companies. We had to pay $1,000 deductable which we later found out that his company was willing to pay and had found him at fault. Both his insurance company and we are confused why they would do this. It could be the possibility that by showing my duaghter wrongfully at fault, they can raise her policy and make it harder to get another company to insure her. For now, we are out the $1000 that we had to pay but shouldn't have for the accident deductable and the $1,329.90 that was charged to my credit card with out my permission. I am owed a total of $2,329.90 by the insuarnce company and a portion of that $1,329.90 should have been removed from my credit card based on the dispute I filed with them immediately upon learning of this fraudulant activity.

BoA has lost a good credit customer because of their dumb act, for measly a few bucks.

After 7 years of payments, I stopped paying when they raised my APR to 32.24 percent. As a result they already sold the debt. It is in collections. They don't care and my credit is destroyed. They are extortionists.

All of the charges that were chronologically older were left pending, and the new charge which was received on Monday was the first charge paid. This had the effect of making all the other transactions overdraft. I had 10 separate transactions; most of them were less than $20.00. Some of these were only $1.07 but all were charged $35.00 per overdraft up to the maximum of 5. This now caused another item to overdraft. The net result is I was charged 6 overdraft charges at $35.00 each. I have spent my time to go to the bank to try to get this worked out. I accept that I may have made a mistake, but the charge should have been for 1 overdraft only, not 6.

It has caused us mental anguish. I was in Southern California for a week and rushed in to pay the VISA card on Saturday, Dec. 15. We do not pay online due to security issues. (We were the victims of identity theft, and it took six months to get the case resolved.)

My parents are now helping me pay this bill because as I am in school. I only work two nights on the weekends, and that's not much money. The minimum payment due on my last bill was $86.00, $41.00 of which they said was late, but it was only late by a couple of days. They charged me a $39.00 late fee and $32.32 in interest. Up until the month of November, I have paid $200 per month, even though the minimum was much less. I feel like I will never get this paid off. I am so sick of Bank of America taking advantage of me.

I have paid so much in interest rates that I do not see any significant reduction on my balances. I am going to have to default on this credit card, and my credit will be ruined.

I finally wrote a letter to the chairman of the board of Bank of America and was contacted by a very nice woman in the office, but the account was not remedied until August of this year. I found work and the coverage was retro and then deactivated. I was guanteed that this would not reflect on my credit report, the day before yesterday I recieved a copy of my credit report and there was negative over limit reporting on my account. I called the woman in the chairman of the boards office and she called me yesterday to let me know that she had increased my credit limit and that his would retro the negative reporting in thirty days. I still have the account

They called and talked to my wife, threatening to garnish her wages; and she is not even on the card.

I paid the $75 current payment due with no explanation as to the increase.

However, upon speaking to two BOA employees on two different occasions and hearing their conflicting lies, I am convinced that it was simply a scam to insure that I would miss a payment and therefore be in default under the terms of the offer. The first person I spoke with was very pleasant and helpful while assuring me that the rate would be reset to 4.99 making it unnecessary for me to pay off the balance. When I received my November statement and saw the rate was still 24.98%, I called again and was stunned to find that BOA had changed its story. The second person I talked to said my rate increased not because of the missed payment but because the promotional offer expired in Oct. 2007.

There is no doubt in my mind that as far as BOA was concerned the special rate was never intended to go beyond 12 months. The problem from a consumer's point of view is that the offer they sent me said it was good until paid in full. The economic damage on the difference between interest charges at 4.99% and 24.98% on a balance of $21,208 is $353.29 for 30 days.

Luckily, my Credit Union has paid off the large line of credit (19K+). I will NEVER deal with Bank of America again. They do not care about their customers AT ALL and they are in it to get rich off of all of their consumers. PLEASE think twice before dealing with them.

Bank of America Visa took over Wachovia after my paid account was closed. I recently pulled my credit report, and it said that I paid the account off after a charge-off. How is that when I made payments every month? There is now negative information on my credit report that should not be on my credit report. I am trying to get a better job and this may affect me adversely.

Bank of America is stressing my father. Does no one have oversight on companies such as BofA who do not explain their process to those like my elderly father who are not aware of how they should be operating?

So I call B of A and they tell me that it is my fault that they had not applied the payment! They will not take off the late fees or the over-limit fees, and they will not reduce my interest rate. As far as I can tell, this is fraud to the highest degree. Since this incident occurred, I've been laid off and I don't have 424.00/mo. Therefore, my squeeky clean credit is crucified. I can't even get a loan to pay off the error that I DIDN'T make. I am extremely stressed out because this is effecting every aspect of our family's financial future.

My ex husband and I paid over $5,200.00 to pay this off. Credit card companies know that parents that care about their kid's credit rating will be stuck with the bill. They should not be able to give people without jobs a credit card. This should be illegal.

As you can see, we have been laughing at these sorry devils for over seven years. I have offered to pay for their warrant to take us to court, but of course they refused. You would not want to even read the letters, which I sent to these sorry dumb collection agencies. My letters certainly are not nice as you can imagine. Well I have finally gotten fed up with this harassment and have filed a complaint against Fleet card services through Consumer Complaint Tennessee's state attorney general's office, Commerce of Consumer Affairs, 500 James Robertson Parkway, 5th floor Nashville, TN; 37243-0600; fax #615-532-4994. My dear friend, do not pay these devils over their sorry scams. Report them. The attorney general has assured us that they will not bother us anymore.

So, I checked the interest. I was shocked, it was nearly double what it was before.

I never received any letter (they claimed they sent) saying I had an option to opt-out. My interest went from about 14% to 22.9%. I believe this is illegal, to change without notification that is.

So, I called, several times. Finally I get a person who gives me story saying that I am using the card like a long-term loan. So the raised the interest rate. What? Don't long term loans get lower interest rates, so you can pay them off?

So, I hung up in anger, did not want to start yelling at the person and began to call back again later that week. I called and asked why was my interest doubled for no reason. They gave me the same story, I am using the card like a long term loan and I have only made 1 purchase this past month. The also began to describe that I was late for a payment. I asked when?, they said sometime in 2001. Come on, that was nearly 6 years ago. If you had a problem, you should have raised the rate then.

So, I requested a manager to call me back. The next day, I get a phone call. They sound legit, but I could not take the call. They did not leave a number, only a first name. About 2 days later, I receive another call. This person did not sound like a manager. I have the voice recording on my iphone still. I can here about 20 people talking in the background of what sounds like a call center. Very noisy. A few days later I received 2 letters from the same two people who tried to contact me.

I have attempted, more than 10 times now, to call them back but these people can't be found. So, here I am back at square one, trying to figure out what to do.

I have applied for an American Express Blue with a 4.9% fixed rate on balance transfers, but have yet to here if I am accepted.