Bank of America Credit Cards Reviews

I had 2 accounts with MBNA and no problems until Bank of America took them over. I received notice of a rate increase on one account. I opted out and sent them my card cut in pieces. But I never received an opt out for the other account. The once $120 monthly statement went to $390 and is still climbing. I cannot tell you what the rate is now on the other account because I cannot get a statement from them. I have been calling, writing, filing complaints and the only thing that is happening is my credit report is being ruined. I have prided myself on keeping my credit in good standing. BofA is ruining me. I am a single mom with sole custody of two daughters and no financial assistance other than my job.

I received an Important Notice of Change in Terms for my Bank of America credit card account. I immediately called to inquire as to why my interest rate was being increased by 150%, only to be told that all BofA customers are receiving this offer and that it may be rejected. Of course, there is no form nor envelope included with the Notice to expedite the process of declining their "offer".

I recently was duped by the sliding due date scam used against auto-pay customers such as myself. HOwever, this most recent behavior has convinced me not to use BOA ever again!!! I accidentally paid off my entire credit card balance TWICE and confirmed monies were released from my banking institution and that BOA has received the money. I tried to call their customer service 2 weeks ago to get the monies returned to me. I was told that I would receive a check in 2 weeks.

I accidentally paid off my entire Bank of America credit card balance TWICE and confirmed monies were released from my bank; and BOA has received the money. I tried to call BOA customer service 2 weeks ago to get the monies returned to me. I was told that I would receive a check in 2 weeks. I just contacted them to request status and was told that I had to wait 10 more days because it has not posted from the clearing house. This is obviously not true given my statement shows the credit of the duplicate payment. They are holding my monies hostage to draw the interest. I closed my account immediately. I had closed it 2 years ago, but unfortunately they picked up my AAA credit card which put me back into a relationship with them.

I had an MBNA credit card for several years which was bought out by Bank of America. In September 2007 I received an offer in the mail from Bank of America stating a 3.99% apr on access checks. I used one of those checks and when I received my next statement the access check was assessed a 24.95% apr. I called and emailed customer service and they said that that was the apr associated with the check.

I have been a B of A customer for several years. When I was laid off from my job last year, bills plus the cost of moving to another state for a new job, resulted in my accrual of approximately $17,000 worth of credit card debt. I ended up missing a payment by ONE DAY. As a result, my 14% interest rate was increased to 27% instantly, with no chance of switching it back.

Bank of America acquired AAA Financial earlier this year. I have a credit card debt with AAA - now Bank of America. I knew that my 1.99 interest rate was going up to 18.99 in May/07, but I didn't know that Bank of America had acquired my debt. I have tried several times to get my rate lowered with no success. But my biggest complaint is that their billing cycle is 27-28 days rather than 30. Sometimes I end up making 2 payments in a month. That is difficult when living on a monthly salary. I also just read that Bank of America has acquired MBNA. Great! They now own another piece of me! I detest this bank and would not recommend it to anyone.

BofA, MBNA increased the APR on my account from 14.24% to 22.99% with no prior notification. My account is not over limit or past due. When I asked when and why the APR% changed I was told that BofA/MBNA reviews your credit history every month and they dediced that my account balance was too high (although not at or over the credit limit)and that they sent me a notice three months ago advising that they had the right to change the APR. I never received such notice by mail, email or phone.

I recently opened 2 credit card accounts with Bank of America. My payment was due on 08/16/07. My August payments I paid on 07/30/07. My next payment was due on 09/17/07 and I made the payment on 08/28/07. Bank of America charged me a $39 late fee(per card) for my 09/17/07 payment that was paid 2 weeks in advance. On 09/21/07 I called and they stated that they would waive the $39. I checked my statements online and they did do a credit for $39 but they still considered me past due for the September payment stating that my minimum payment due for October was my October & September payment and they still said I had to pay the $39 late fee. They stated that the $39 would come off of my principal balance. I have been dealing with credit cards for years and I worked for a credit bureau for 8 years. I have never heard of such a thing. I closed both my accounts immediately and transferred my balances. I had also asked the customer service rep if I could speak with a manager and he kept asking me why. I told him - have you not been listening to me for the last 20 minutes. Needless to say I was not able to speak to a manager.

I now live on $65.00 wk because of these credit cards and other expenses. My husband does not know and now I am afraid of divorce. I thought these cards could pay off my debts and only put me further into debt.

Bank of America has now put an annual fee on their credit card. Previously the card was free. Found out on the 25th of Sept 2007. Phoned to complain, was told that a notification was sent out on the 23rd! How can you even contest/prepare for this charge if you have no notification? This really is a sharp practice!

My interest rate was increased when I have never missed a payment. Besides this I have noticed that MBNA has been charging a $20 uncollected funds charge even if they have received payment. This has happened on more than one occasion.

My last credit card statement showed a due date of 09/03/07, which is the Labor Day holiday. So, on Saturday, 9/1, I went online to make a payment. The online payment page would only let me choose a transaction date of 9/4, which is past the due date. I called BOA and a bored representative told me that I wouldn't be charged a late fee if I went ahead with my transaction for 9/4 because 9/3 is a holiday. So, you guessed it, I got charged the late fee.

Since MBNA was taken over by Bank of America, I am not getting my monthly credit card statements. I never had a problem when MBNA was doing the billing.

I had a balance with 0% interest through July 2007. I got several promotional letters offering to extend the 0% if I transferred another balance. I did transfer another balance, but they deny they ever offered this promotion. They have begun charging me interest as of August.

I have been a customer with Bank of America for my entire life, starting with Barnett Bank, then NationsBank, one other name that I can't remember, and then finally Bank of America. I finally received the last straw recently as I noticed that 2 credit cards had been opened up in my name without my authorization.

This increased my spending by 22% for the first year of the loan. My increase in mortgage payments and this additional charge has caused severe hardship on my family. There is apparently no integrity at Bank Of America for families already suffering from housing mortgage increases. Now we know how Bank Of America has turned in record profits over the past ten years, at the expense of hard working low income families americans.

I've been loyal customer to bank of america with 2 credit cards for over 5 years. I have never had a late payment on either of these accounts and have no other delinquencies on any of my credit. I recently closed my accounts with them in order to eliminate debt and lower my monthly obligations. Well, it turns out that they looked at all the other credit I have and based on the amount of credit I have outstanding they raised my interest rate 10%. All my other credit is paid on time every time and just because I have a lot of credit they raised my rate by 10%.

Do you think you've covered yourself against late fees by using automatic draft to pay your monthly Bank of America credit card bill? Not a chance.. A recent revelation that I will share with you. I've alway used autodraft to pay scheduled monthly payments of $500 on the 10th of each month almost a week ahead of my due date. Got my August 2007 Bank of America statement with a billing line that said LATE FEE FOR PAYMENT DUE 08/09--$29 Hmmm.

Out of the clear blue B of A raised my interest rate to 27.99%. When I called and reported this error, I was informed that I didn't opt out of the interest rate increase per a mailing that went out to customers in May. Why would anyone opt IN?

I missed a payment in July and my interest rate went from 10.9% to 33% plus an outrageous (close to $50) late fee. I understand that this is legal because it is in the fine print, but I find it horrendously unethical. I called the bank to complain and was resoundly scolded for being late on a payment (despite having been a customer for 12 years). I was also told that B of A was doing me a favor by only raising the rate to 33% rather than the Default rate (whatever that is).

I opened a Fleet Credit card in 02/98. I used and paid for the card until 2003. All my statements and communications were from Fleet. I was faced with the difficult task of filing a personal bankruptcy in 2003. Since all documents came from Fleet Bank, therefore my correspondence from my bankruptcy attorney, court and all documents, were sent to Fleet. Lo and behold, Fleet was merged/bought out by Bank of America. BOA reported to all credit bureaus that I had an account, with all monetary values matching, which was listed for Fleet, but claimed it to be charged off. I filed a dispute with the credit bureaus for fraud because I never received any communication of the merger/buy-out between Fleet and Bank of America.

I was notified by a product manufacturer that the product I had purchased over the internet could not be shipped, because the expiration date on my Bank of America Visa card was incorrect. It was not incorrect.

I am writing to you today in an attempt to disclose what I consider to be the latest questionable maneuver by credit card providers to scam unsuspecting credit card consumers with questionable and unreasonable late fees.

In December of 2006, I opened a Bank of America VISA card and transferred 3 small high-interest balances on a 4% balance transfer offer.

I received a letter stating that I owe money on a credit card account that was closed for months. The horror began last fall in which I experienced identity theft at BOA. They allowed my address to be changed twice, ATM cards ordered several times. Due to those incidents I had to have all accounts activities done inside the bank, only. However, my accounts still had unauthorized activities occurring and BOA could not explain how they happened.

Interest rate was raised from 13.99% to 23.99% as soon as my 3.99% transfer rate was up. In 4 years never made a late payment or went over my limit on any card and my credit rating just keeps getting higher.

I have had an acct with MBNA for years and was always treated very well. I have always paid my balances off and have never been late on any payments.

I set my account for an alert to reach my email address five days before a payment is due, because it floats. Bank of America took over MBNA some months ago and has the same alert functions and they worked correctly.

Since I got my credit card, every month B of A has been scamming money from me.

Apparently, I've been charged for the credit protection policy since 2001. I just noticed it on my statement today. Apparently, I've been charged upwards to a thousand dollar for this plan. They said that they would mail me a letter after they had conducted a thorough investigation.

I have BofA Visa credit cardwith the account closed since 2006. I am still paying the monthly payment for the money I oweon the card, without any default or being late. The first contract I had was 0% and increased to 12%. Now it is increased to 22.99%.

I was never properly notified that my interest rate was increasing from 12.99% to 21%. I have no late payments and have been a good customer since 2002.

After receiving a telephone call from a Bank of America representative on Mar 2006 I explained to him that I had lost my job 6 months ago. Then he said that I had nothing to pay, it was a new service that Bank of America was giving to all customers (accumulating points). How silly I was!! I said if I have nothing to pay it's ok.

After transferring my balance to Bank of America and using my card, I have been told that ALL purchases will have a finance charge until I pay off the entire amount transferred.

I was making my payments always on time for the last 5 years I have some negative items on my credit file for a long time before I ever opened an account with Bank of America, and for 5 years my credit card interest was 13.99% now all of a sudden, since I have lately been making only the minimum payments, my interest rate is 23.99%.

I have had a BOFA credit card for a number of years. In the last 8 months I've had a couple of payments that were anywhere from 1-5 days past the due date - that's all. I all the sudden so an interest rate of 32% on my last statement. I called to talk to them about it and they told me that I needed to consult with a credit analyst. It would all be confidential, etc. - they used all the info I shared with that person against me and closed my account. I've since found out they were affiliated with BOFA and working on their behalf - not mine.

I called to ask why my Bank of America (formerly MBNA) credit card rate had gone from 13.24% to 21.99%. The first person I spoke with said it was because I had been sent a letter stating that rates were going up and that if I disagreed I needed to sign and send the letter back, but that if I agreed to the increase I didn't need to do anything. (I never saw such a letter.)

I have had a card with B of A since 1999. This month I noticed my APR went from a 9.9 to an 18.99. When I called them they said that it had to do with my credit (my credit is great) When I said that she said that it could be that I went over my limit one time in the last 6 months.She couldn't verify that either. When I asked her to lower my APR back down she said sorry we can't help you. Something needs to be done with these credit card companies!!! I hope they go down just like the sub prime lenders!

BOA is like something from the Twilight Zone. ... I am also an unlucky victim of the unbelievable interest increase I received on my bill (4/7/07).It went from 16.49 to 24.99.I've paid extra every month, stopped using my credit cards for the last 7 months and paid my expenses with cash.So,my overall debit has reduced on all my credit cards. Now,I am paying the highest rate I've ever had in my life.This feels like a punishment to me! How dare i pay my debt down.Everytime I add at least $100 over the asking amount-BINGO,my interest increases.

About 2 years ago I signed up for Bank of America to send an electronic bill for my credit card to my bank and to stop paper bills. In February 2007 they stopped sending electronic bills -- no notification whatsoever, and I did not get a paper bill either.

I am an MBNA cardholder since 2000. I called the company in 2006 to activate a new card with a high limit. I enrolled in the trial period of the Credit Protection Plan they offered. A month later, intending to take advantage of MBNA's 0% APR balance transfer offer, I determined that the Credit Protection Plan would no longer be financially feasible and notified the customer service agent to cancel my enrollment. This was because pricing for MBNA's Credit Protection Plan was based on monthly balances as opposed to a flat fee. After Bank of America, with whom I have maintained a checking account since 1996 acquired MBNA cards, I simply monitored my balance and paid my card online through the BOA online interface, assuming all the while that there were no new charges as I had not used the card ever since the balance transfers.

I have been putting every extra penny into paying down my BoA credit card balance. When I went to make a 2nd payment for the month I found that a total of $160 had been charge in pure interest to my credit card. When I looked at the interest rate it has gone from 12.99% to 24.99%!

I have had a credit card with BoA for approximately 4 years. The Annual Percentage Rate remained at 7.89% until this month. It is now at 14.21%, nearly doubled!

I made the mistake of borrowing $6500.00 against my $0 balance credit card, with the special interest rate of 3.99%. I was told the only way to get the 3.99% was for the bank to credit my account on-line. On March 21, 2007, I saw the 6500.00 credit in my checking account (actually 6590.00 - 90.00 being the balance transfer fee), while my credit care account was 0. Somehow in my head, I thought the 6590.00 should be in the credit card account, so I went on-line and did a transfer of funds from checking to credit card. Shortly thereafter, I realized I should not have done that, and called the bank to cancel the transfer.

I was a victim of the BofA buy out of MBNA. I had a balance on my MBNA credit card. BofA hiked the interest on the account from 4% to 28%. MBNA had guaranteed me 4% for the life of the transfered amount as long as my account was in good standing - which it was.

Hello again. Bank of America called me last month (March 07) with an offer to settle my $21,000 debt for $5300. I agreed this was a very good deal and tried to get a loan. I called them and told them I've had no luck getting a loan. They lowered their offer to $4300 and told me about the way they accept payment. I was required to give them a check number, the routing number and my checking acct number and they would cut this check and I would void that check in my checkbook (I think they called it a Quick Check)

I just received notice today that Bank of America is raising my APRs to 19.74 points resulting in a percentage rate of 27.99%. I am ging the choice of rejecting this ,as long as it's in writing and by May 1st,2007. Also I can reject the increase as long as I use the account for nothing. If I do the new rates apply. It seems Bank of America isn't even kissing me before it screws me , along with all of it's other customers. Is this common for credit cards now or is it just the big ones getting away with it?

I was late on a credit card payment (due on 3/30). As of 3/31 I was advised that my interest rate had increased to 24.99%. I expected to be billed on my credit card at the previous rate of 12.99% from the beginning of the cycle through the 30th and then at the 24.99% rate from the 31st through the end of the cycle. This did not occur and I was billed at the 24.99% rate for the entire month.

I've had a Bank of America credit card for a couple years now, with no problems. All of a sudden they are increasing my APR to 29%! I was shocked! I have never been late with a payment and pay more than the minimum payment due. I called to find out why and i was transferred to a rate specialist who tried to sell me other products to help my financial situation! I was dumbfounded.

I have two BOA CC and have been a faithful customer with BOA for some years. I fell into a financial tight spot and could not make payment on my CC for a few months. My bill sky-rocketed which included an enormous interest rate along with late and over the limit fees. I was told that I would have to paid $1000 on one card to get my account back on track. Unbelievable! They were not willing to work with me at all. I am highly disappointed with BOA and their lack of customer support. I have a CC with BMW and they were outstanding at working on improving my credit standing and getting me back on track with payments.

Bank of America changed our interest rate from 8%- 29.20% because of the universal default.We have always paid our payments to them on time and never have been late. We have been paying this for 2 years with a total of over $10,ooo.oo of inerest paid and nothing going toward the princable. We have called them repeatly and pleated with them to please lower the rate so we can get this account paid. They will not do so because we closed the account,and did not tell us that closeing it will keep them from negocaiting.

I applied and rec'd a credit card. They advertised O% intro for 12 months for purchases,balance transfers, and cash advances with and no balance transfer fee. I saved the document and even faxed it to them for verifications. They gave me the run around, but finally said I could have 0% for six months only and would charge me a transaction fee of around $140.00 for balance transfer to forward money to my bank. This is fraudulent advertising and consumer rip-off. If I had not asked the specific questions I surely would have been taken advantage of.

On our Bank of America credit card, we have been receiving credit protection plan charges for at least the last three months. During the past three months, we have called multiple times to have this removed and credited back. Every time, the rep on the phone would say that either it is already canceled or that they would cancel it and credit us back. That is until our March 2007 statement arrived and we called to say that there was supposed to be a credit of 2 months back charges of $48.54 a piece, not this new charge for the credit plan that was still on there.

Bank of America sent my teenage son a pre-approved credit card with a $700 credit limit as soon as he graduated from high school and turned 18. This is a child who is not working, has no assets and no credit history. By the time I found out, the balance on that $700 limit card balloned into $1500, due to fees and penalties, and had been submitted to a collection agency. The collection agency proposed to settle it for $913.00 but would not provide the agreement in writing nor show credits for payments made.

I became disabled and I had a balance on my gold card. I was unable to make the payment on time for a little while and so I understand that there should be some penality involved in it. However a like 400 dollar balance in about 6 months became 1843.22 dollars! When I didn't make payments they penatlized me and put it on my max 500 dollar account then when it went over I got over limit fees. Then they raised my rate from like 11. something to 21.99 it was crazy I couldn't believe it!

Two months ago I noticed a charge for "credit card protection" on my statement. I went back over my previous statements, and found this had been happening since January.

I received a letter from my credit card company (Bank of America) advising me that I will have to start paying finance charges on my credit card balance in May, 2007. A few weeks ago I took a cash advance on that card because I was told it would be interest free until December 1, 2007. I would never have taken the cash advance had I known I’d have to pay interest on it.

On March 1, 2007, my husband complained that he could not keep up with a credit card that we had not been using (he pays the bills). He was paying on it but the balance keeps growing. I asked to look at it and discovered that they had been charging over $100 a month for a credit protection plan. I contacted their customer service department and spoke to a girl named Tamika (no last name). I asked her what the charge was for and she said that if I was out of work, they would pay the payments. I told her that I did not request this service. She said that I ordered it by phone. I told her I did not and that I wanted the charges reversed and the interest immediately. She said that they would pull the tapes and send a copy of them. I told her that would be alright. She then said that it would take three to four weeks and I told her that would be alright.

My wife has a credit card with them at around 11.9%. She has perfect payments with them and all of her other credit cards. Her credit score is well over 700.

Bank of America raised my interest rate from 10.99 to 25.99%. They said there was info on Equifax that was in part the reason for the rate increase. They also said that since I didn't make as much as my husband, I could be viewed as a risk. I said they were practicing unfair and deceptive business practices. They needed to notify me of adverse changes to my account. There are laws that protect consumers, and they are in violation of those laws.

I always used to have very good opinion about Bank of America till recently...I recently made a balance transfer on one of BOA credit card, I had to call 3 times because they had taken the number down wrong. Finally once the balance transfer was done, they charged twice with the fees and they are so reluctant even agree to the fact that they are at fault. I had to spend hours together trying to resolve the issue but they do not respond to you at all.

I went from a 6.99% fixed apr to 27.99% apr. I was charged $199.23 interest then $39.99 over limit fee ($34 over the limit) after sending a payment of $222.00. When I called to resolve this problem I was told I need to speak to an account specialist who then told me based on being a few days past my due date 1 month prior and according to my credit report she can charge me any interest rate she feels fit.

Bank of America submitted negative credit report(s) despite the account being paid in full in Oct.2006. They did not inform me of the negative reports and had no record of the payments. After much time and providing all documents to prove them wrong they admitted to a series of banking errors. As of March 16,2007 I have received only a form letter from Customer Satisfaction that an updated credit report had been submitted and that this could take up to two months. Since then my insurance costs have increased. I had an 800+ credit rating and it is now lower; also I was alerted to the negative credit report when attaining a preapproval for a home loan which has also been affected.

I have had a 7.99% interest with this card for some time then out of nowhere it goes up to 21.99%. I called in to ask what was going on and first I got shuffled from one person to the next--the last guy said that I had great credit ratings but they could not help me because even thou I always paid the minimum plus a good 50+ more, and was never late, I was a poor risk.

I had an intro rate of 3.99 that was to go to 10.97 in February 2007, but is now going to 26.97 on April 1. When I asked why, I wasn't given any real reason. When I called again, I was told to call back on the day the rate is to change (which is a Sunday) and perhaps they could give me a lesser rate. I asked why can't we get this cleared up now and they said I had to wait until April 1. I told them I wanted to know what I could expect so perhaps I would just pay it off before then if the rate they could offer isn't what I feel I am entitled to.

I was "selected" for an introductory credit card offer of a low interest rate through BOA and used the card. Third billing showed an increase of the interest rate to a whopping 29.23%! Called customer service and they said to read our terms and it was in our "agreement" that the rate was sealed when we used the card. Canceled the card today and requested an itemized statement of the exact "terms". No choice but to pay these people until I can transfer the balance to a lower rate card.

My credit card was stolen and used fraudulently. I called Bank of America and had a tough time proving to the fraud department that I wasn't lying about the charges. I asked that the card be cancelled. I was mailed a new card and 6 months down the line, the old card that was supposedly cancelled was reactivated and reused. I went through the same pain of convincing the fraud department that I was not lying about the charges. I finally decided to close my card.

I have been a loyal customer of Bank of America and have ALWAYS paid on time and at LEAST the minimum, usually twice the minimum. I take great pains to pay my credit cards on time and I always thought that if I held up my end and paid everything just as they wanted I would have no problems. How wrong was I!?

I have an LL Bean MBNA credit card. Late last year MBNA was acquired by Bank of America. In October I had a bill of about $1650.00 from MBNA and I paid online, transferring funds from an account in Maine to pay the bill on time. When I received my November statement I found out that I had a credit of the same amount. I asked MBNA why that was; after several weeks they admitted that they had erroneously withdrawn the amount twice from my Maine account, so they gave the credit for the difference.

I paid off another credit card using the Gold Option with MBNA. I completed this over the phone. I had a question about the APR. The question I asked was "Is the APR fixed?" I was told that it was, unless I am delinquent. After the first or second month it had already increased from the advertised 5.99% to 14.99%. I called and complained and of course got nowhere.

I was contacted in January by BOA saying that I was late on my payment. I have a MBNA card, but I have never activated it or used it. The charges on the card were done by credit card checks. They did not have the correct mailing address for me, and I have lived in the same place for 25 years. I have spoke with so many people, and I always get put on hold, and transfered to another person. BOA told me that these were ligitmate charges, and I am responsible for them. After they threatened me with a lawsuit, I gave in and sent money to them. They are wanting 1000.00 a month or better. I have excellent credit, and have always paid my bills on time. My credit score has dropped from a 760 to 580 since January. I believe that Bank of America is the fraudulent company responsible for this. They wouldn't send me information I requested. I am now being charged ridiculous interest rates, and late fee's. Bank of America also told me that credit cards do not have to be activated to be used.

We requested by phone detailed records of our account and they cannot supply them. We asked who we send the written request to and they said they don't know. Our interest rate has been increasing because of changing internal policies of BofA and we cannot support a 29 percent interest rate.

I received a notice in the mail from BofA stating I had over drawn my checking account but the credit card I had taken out for over draft protection would cover it. The problem is I had never taken out this credit card. I reported this to BofA fraud dept. After many months of run around they told me that have had complaints of bank officers taking out credit cards without customers approval because they had incentives within the bank for the officer who took out the most credit cards!

I was offered a Credit Protection Plan for 1% by a pleasant woman. (BoA took over from MBNA.) She said I could cancel whenever I wanted. I called back ten minutes later and said I wanted to cancel. I was then asked for my credit card number, which I refused, suspecting a scam. I called Bank of America and was told the Credit Protection Plan was legitimate, and I was given a number to call. So, I called that number and was told there was no record of my being on the plan. I called again when I received the first bill and was told that the plan had been canceled. I paid off (online) the original purchase as soon as I received a statement. The following month, the bill is now over $30 for a service that I've spent many hours trying to cancel. I cancelled the credit card with BofA, but I'm afraid they're not finished with me yet.

I applied for and received a Bank of America credit card and was given 0% interest on a balance transfer. I pay my bills online, so I was really surprised after making my FIRST PAYMENT that my interest rate jumped to 14%. I called and they said my payment was 2 days late. I told them my bank showed that it went on time but they claim they didn't get it on time.

I received a letter in the mail on February 23 telling me that my personal information had been compromised, and my credit card had been cancelled on February 16 and I would be receiving a new one. This in now the 2nd time that something like this has happened where they changed my account number without prior notice. And the letter also did not say how the information had been compromised. Bank of America is horrible at communicating with their customers & notify of problems like this.

Since MBNA was acquired by Bank of America, I have been, and continue to be, plagued with credit card problems. The latest involves a fraudulent charge of $506.00 to my account by a company called Fifth Avenue Colle on 1/11/07. I attempted to call the company but the listed tollfree number is not valid and a search for the company by name on Google produces no such company. I have advised Bank of America twice by phone and finally by mail, but the charge remains on my account. I paid last month's bill on time, as always, minus the disputed charge, as advised by the agent during one of the phone calls, but now find that my account has not been credited with the $506 charge, and an interest charge of $35.90 has been applied. The latest problem manifested itself today when I attempted to downloaded the February account to Quicken. Only the last 5 charges were downloaded plus, of course, the interest charge.

Over a period of a week, my BoA card was accepted at several locations for a few hundred dollars total. During this time, apparently I overdrew my account. However, the card continued to be accepted over and over again. I received no mail notification, e-mail notification or any other notification that my account was overdrawn.

I have been a member with MBNA (Now Bank of America) since 1999. I had always had a 10% interest rate on my credit card as well as promotional rates for balance transfers. In September 2006, after NEVER paying a single creditor late, MBNA jacked my rate from 10% to 22% with NO WARNING. When I called the 800 number to inquire about the hike, the rep, instead of answering my question, proceeded to lecture me on credit responsibility.

This started about May of 2005. My now ex husband applied for and received credit cards from three different companies in my (maiden) name, using my personal information without my permission or knowledge. I received a call from Bank of America saying that I was late on my payment for my credit card. I told them that I didn't have a credit card. They informed me that I did and that it was over the limit and the payment was late.

In 1994, I had to file bankruptcy due to the death of my husband. I waited the ten years but while I was waiting for the time before bankruptcy was removed, I rebuilt my credit. My husband and I bought a house and my credit was okay enough with me rebuilding that we could get the loan. 1999 was when we bought the house and in 2004 during the low interest rates, we wanted to refinance. But when the loan officer ran my credit up he was shocked by the fact the there was a Fleet Credit Card stating I was 22 times late on the card. I got all my credit reports from the big 3 and filled out papers, trying to find what Fleet is. I know I never had business with Fleet.

Long term customer with BOA (5 years) and have 7 accounts with them from Savings to LOC. I signed up for a promotional rate on a balance transfer to their credit card. 7 months for 1.99%. Transfer several thousand dollars and have been incorrectly billed every month for 6 months. Each month I make a 45 minute call to Credit Card Services and each month they admit the mistake and then credit me the difference for the mis-charged interest. This month they admitted the mistake but said that we refuse to credit the interest because they had done it every other month. They refused to abide by the terms of the contract.

We have been a good paying customer with Bank of America since 2004; in Feb 2006 they made a policy change that if a payment is not paid AND POSTED on the due date a late fee will be applied. Since this time I have had nothing but problems, the computer system will not allow for same day payments and many times we are paid the same day as our due date. We have paid over $200.00 in late payments in 2006 almost all of these payments I made the day it was due and yet it posts the next day or two days later. Then we are slapped with a $39.00 late fee. Twice they have increased the interest rate from 11.99 to 24.99. They have only adjusted the late payment twice and the interest rate charge once.

On 1/20/06, we went online to make a direct payment from our Bank of America account to our B of A credit card. Our due date was 12/23/06, so we knew that we had plenty of time to make the payment. On 12/26/06, I checked our account online & the account was showing the payment was returned unpaid with a $39.00 return check fee & a $39.00 late fee. I promptly called them & we were told that the checking account number was entered wrong. I told them I had a confirmation number & for them to fax me the transaction. They told us they could not provide that info.

I recently noticed two charges from PASSPORTTOFUN (PASS PORT TO FUN 877-442-5780) and from EASY SAVER 800-262-6199 for $14.95 each. I have no idea how these charges got on my account.

Bank of America took over Fleet Bank. In the year 2000, I obtained an unsolicited loan in the amount of $2,000. It was paid off; however Fleet continuously harassed me for payment. Bank of America has since purchased Fleet, and its third party company, Portfolio RC, is chasing me for payment and listing the date opened as 2004. In addition, Bank of America has informed the third party company, Anchor Recovery, that I owe $190 which again is in error. They're listing a date opened of 2005. Both are errors and Bank of America refuses to correct these wrongs and this is destroying my credit.

I took out a loan for $20,000 to pay off credit card debt. They said my payment would be $356.00 per month. Wow, was I taken. First, they charged a $600.00 transfer fee that nothing was said about it, a credit protection plan for $195.00 that I had never heard of and before my first payment, which is $549.00 per month quite a difference, my balance had reached $21,009. How? Who knows? I am usually very intelligent in money matters but this, I feel ripped off from my own stupidity. Never will I do business with that bank again. Is there any recourse to recoup the $1,009.00 in fees or whatever it is? I hope no one ever uses this bank or should I say, bunch of crooks.

Was lured into MBNA with agreat intial rate of 13.9% and 0% on transfers. My credit line was raised and raised and raised to end up at $16,500. Now with a balance of $15,000 (I only have myself to blame) they arbitrarily raised the rate to 24.99% and when questioned the response was Because we can. No warning on any bill this was happening - but they said a notice was sent ?

My interest rate with MBNA was 12.97% for the past several years. Last month B of A reviewed my account and has now increased my rate to 24.99%. According to B of A it was my debt ratio.

I had a Mastercard with MBNA bank when Bank of America acquired them in 2006. My credit card immediately went from 7.9% interest to 24.9% without any explanation. I called and spoke with a rate manager who explained that I was near my limit and that was standard practice for BofA.

My rate was 6.9% on my MBNA (now Bank of America) card. They sent me a letter saying they would increase my rate unless they received a letter from me, so I sent a letter that said I didn't wan't them to increase my rate (duh!). Then they increased my rate to 21.99% anyway. When I called they said it was because of adverse information on my credit report. I ordered my free annual credit reports. The only adverse account is an upaid $60 hospital charge (I am in a dispute about this charge). There isn't a single other late payment on my report.

Since I was overseas, I linked my credit card to my on line banking with Bank of America. When able, would go to website click on the credit card tab, see the amount due and then transfer funds. Upon returning to the States I had past due notice from BOA. Called the bank and after much discussion it was determined that for some reason the online banking was calculating the amount due wrong. BOA acknowledged this and credited back my late fees A short time later I realized that I had been given a default interest rate of 35% when I called again to get my old 9.9% rate back was told that they could not/would not help because the account had gone past due, even though it was a BOA mistake

We were checking on the jump to 26% on our credit card,and the woman agreed to drop us back to the 14%. She then called us back and said she couldn't we had $45,000 in charges on our card which was formerly MBNA. She then turned us over to a Mr. Jordan Van Vuuren in the fraud division, who told us that there were over 1300 charges of $29.95 on our account. Our credit limit is $32,000 and we have never even come close to that. I asked how they could let charges keep coming in over our limit. He said he didn't know, but it shouldn't have happened.

Was an employee for 2 years and a customer for an additional 4 years. I have had excellent credit and a 4-6% APR with BofA. Went past due 2 days and had my APR skyrocket to 32%!!! Bank of America says that's tough and it was in my terms. I have paid off the account and will be closing my account never to do business with Bank of America again.

My credit card account with MBNA was recently bought over by Bank of America. With MBNA, I had a fixed apr of 9.99%. The statement which I received yesterday, showed that my apr was increased to 23.99%. I called customer service. After being on hold for approx. 10 mins, I was transferred to an Account Rep, to whom I had to explain the reason for my call again. I was told that he had reviewed my account and had determined that my account was a credit risk and therefore increased my interest rate. I explained to him, that in accordance with the terms and conditions received from MBNA, my interest rate was fixed and was subject to change should I default on my account. The Rep stated that Bank of America has the right to increase the rate at any time. Since I never received terms and condtions from Bank of America, one would conclude that the same terms and conditions would apply.

My wife and I set up a Debt Management Plan with Consumer Credit Counselors. We have 12 cards. All the companies were very compassionate and worked with Consumer Credit to lower our payments and interest. ALL BUT BANK OF AMERICA!. They would rather see my card go to collections than work with us. All I ask is let us pay our bill as they once promised me I could, but they didn't bill me, so now it is going to go to collections. ALL BECAUSE THEY WON'T WORK WITH CONSUMER CREDIT COUNSELORS!

In Sept 2005 I had an existing installment loan in the amount of $15,000 at 6.99%. Sept. 2006 the interest rate increased to 8.74%, which was tolerable. But opening my statement for November I noticed the interest rate was now 14.98%, I couldn't believe it.

I have an MBNA Credit Card that has available credit on it. Since Bank of America has taken over MBNA, I have been embarrassed by having my credit card denied in a restaurant and a doctors office. A call to BofA customer service confirms that I have credit available and that there is a system wide problem with there credit card process and they have no idea when it will be fixed. Luckily the doctors office was understanding as the same thing had happended to them recently. In the mean time, I am left afraid to use my credit card anywhere and the only other one I have is an American Express that is not widely accepted.

I was a customer at MBNA and had a credit card with a 7500 dollar balance that I payed on every month on time. I opened the account @ 7.1% variable. After two years it had made it to 10%. MBNA sold out to Bank of America and I got my first bill from them yesterday. They raised my APR to 24.99%! Just out of the blue by no fault of my own the boost my APR by over 15%. I called to to thier customer satifatction line today and asked what the heck guys?!? they said I had been repriced. I said You can't do that and they said actually, we can I said it was unacceptable and asked to be transfered to a supervisor. They transfered me to a professional Shake down artist who commenced to belittle me on my spending habits and the purpose of credit cards and wanted to know why I've been paying only min amounts and where I had been spending the rest of my money.

I have never missed a single credit card payment. I called MBNA today and they said my interest rate is 28.49%. My response was: EXCUSE ME?!? They decided to raise my interest rate equivalent to the one of a typical loan shark despite the fact that my credit scores are in the 700's, and the fact that I have never missed a single payment EVER. When these balances are paid off, I will close all of my MBNA/Bank of America accounts. This is nothing more than consumer gouging which should be illegal.

I went over my credit limit once, and Bank of America raised my interest rate to 32%. I immediately closed the account and transfered the balance to another account.

I have a visa with MBNA/BofA. They have increased my APR to 27%, because they said my credit score has lowered!

A gratuitous charge appeared on my MBNA credit card for $317 for a credit card protection plan that I did not authorize.

I just googled my interest rate (29.24%) and imagine my surprise when the first site listed was a webpage complaining about MBNA. What started as a low interest card is all of a sudden 29.24%.

I just completed a loan transaction with Bank of America. A few days later I got a letter in the mail from MBNA Credit Protection thanking me for signing up for their services.

Bank of America (BoA) has employed another insidious method to reach into our wallet and charge more interest. They call it trailing interest. Even if you pay your BoA card in full, you next statement will contain an interest charge - even if you made no further purchases! Their explanation: they now charge interest for each day after your accounting period ended and until your payment is received. So if you wait till near the due date to pay your BoA credit car bill you get whacked harder. With trailing interest, you may never get out of the credit card hole - even if you pay in full each month and have an exemplary credit history. You have to stop using the card and call for a 10 day closeout figure, which will also contain some trailing interest.

I settled my debt with Fleet through a debt elimination organization. Philip Cohen & Associates represented Fleet. Fleet agreed, over a three-way conference call, to accept a certain sum as full and final payment. I have the documents, including the cancelled check in my possession. What Fleet did was they introduced a new sum of money as outstanding payment, after they had received the full and final payment from me and reported it to all the major credit reporting agencies. And now, whenever I am looking for a credit line or wanting to buy property, my application gets rejected because this new amount that Fleet introduced has been on my record for some time. I have not received any communication from Fleet asking me to pay this sum.

I have had this credit card since 2004 with never a late payment. I did not receive a statement in June 06, causing me to miss one payment. My July 06 statment had a $39 late fee so I contacted MBNA customer service, explained the situation and they removed the charge.

I had a fixed 9.9% rate on my credit card. I have never been late on this card or any other. They raised my rate with no warning to 24.24%! As I understand it they are bound by law to provide warning of rate increases. They seem to be following a pattern, since this seems to be happening to other people as well.

MBNA just raised my fixed 10.99 interest to a whooping 24.74 variable. When I contacted MBNA I was given to a credit supervisor who said my credit debt was too high and I was considered a credit risk. I have never been late on any payments on any of my acounts and always make over the minimum payment. I also received the story that they notified me of the proposed increase which I never received. I always pay the bill online - you would think that they would also post the notices with your online statement since they encourage you to make your payments online.

I have a BofA Credit Card. They have a policy of 90 days for a dispute charge from any merchant that doesnt need to be paid and will not accrue finance charge until its resolve. Bank of America denied me of helping with the dispute with the merchant, and then charging me with finance charge. They told me that since it was not disputed on their side it will accrue charges. I think their practice is to deny service for dispute charges so they can charge you finance fee. Instead of helping you to dispute the charges from merchant they will deny it ASAP so finance charge will accrue on your account.

I had an account with Fleet back in 2004. Somehow my debit card was lost and someone used it at various stores and gas stations. When I went to the bank to request for another card, they told me that my account had been closed due to it being overdrawn. I disputed the charges. When I last accessed my account, I had approximately $180 in there, now I am overdrawn $367.45. Back in 2004, when this all happened, I was told that they would take care of it for me but I would not be able to get the money I had in my account refunded.

I have been a customer of MBNA for the last 10 years. I always paid more than the minimum amount required. I had some balance left on my credit card and without any notice they increased my interest rate to 24.99%.

Same as others---account was changed from Term to a revolving account without any notification. Depending on who you talk to you get a different answer as to why. Account has always been in good standing. Customer service would not allow us to speak to a supervisor.

Back in May of 2006, I leaned heavily on my MBNA credit card to help get me through a tight financial spot. I used it to pay my mortgage, car payment, and some utilities. Before long I got a call from them saying they were going to have to knock back my credit limit. Unfortunately for me, they chose an amount that was below the amount that had already been charged to the card.

I have had MBNA credit card for several years at 8.99% rate. They raised my rate to 18.99% and claim that they mailed me info. with opportuity to opt out. I do not remember receiving notice. What's really upsetting is that they applied increase to existing balnce, not just new charges. I phoned and they refused to do anything.

I saw that a credit protection charge of around $58 - $65 had been applied to my bills. I don't remember seeing the charge so I called and asked for confirmation that I had ordered this service. The woman said I'd ordered it by phone. I asked for a record of the phone call, she said it was probably erased by now.

Bank of America terminated their VisaBuxx program. I had a balance on my account of $385 and was notified last year that the balance would be refunded to me. I called the phone number provided on the website which gave me instructions and an address to send my information. I sent the necessary information on June 2, 2006. I received a response on June 20, 2006 which asked that I submit my information to a different address if I was requesting a cashiers check. I submitted this information on June 22, 2006 but have not received a response of any kind. I feel that this is an unreasonable time to wait for the return of my money.

Bank of America has put my credit card account in a payment penalty changing my interest rate from %17 to %31 on top of a late payment fee of $39 all because I was one day late one time with my payment. A due date that they have changed more than once.

Twelve months ago I entired into ZERO % interest rate contract with MBNA.The 13th. month the rates want to 7.90.( no problem).The 14th month rates want to 16.49%.MBNA responed to my omplaint letter.Even though I was not late nor did I miss a payment because the balance was not being paid down quick enough they felt I was a higher credit risk.Month 15TH. After I made a payment in the 14 month using my prior interest rate of 7.90%.MBNA RAISED MY RATE AGAIN TO 16.74% WITH $39.00 LATE CHARGE.So at one time I was paying a monthly payment of $483.00 now $958.90..

I use "bill pay" through my bank and have my account set up to pay my MBNA credit card on the due date. I opened my statement and saw an increase from a fixed 10.00% to a 20.49% rate.

We began receiving charges for a credit protection program since 2/24/05. We called to tell them that we never ordered such a program, and their representative said they would cancel it immediately. We continued to be billed for the program and made several more calls up to the present time. They now say we owe $256.71. We wrote a letter explaining that we had not ordered the program and did not owe the money. Their reply was that we had failed to cancel the program within thirty days of the receipt of the terms and conditions of the program.

I borrowed money to consolidate some credit cards. I did not even have the loan a month before I paid it off. Upon paying off the loan I noticed that I was charged a transfer fee for each credit card transfered. I was never told about a transfer fee and I even asked the rep because I am very aware of how those fees can add up and cost a lot of money.

I have been an MBNA customer for many years. I opened my recent statement and found my account had changed from 9.5% to 20.95% and my payment doubled. When I inquired I was told that I was considered a risk because of my revolving dept load.

My credit card due date with BofA is always the 1st or 2nd of the month. I have paid it at this time for months. I paid the account in full March 2, 2006. The next billing, BofA changed the due date to six days earlier. I did not notice the change and paid at my normal time. BofA charged me a $39. late fee. I consider this a fraudulent practice. When I complained, I was told they wouldn't credit the fee. I asked for a supervisor who told me they would credit the fee this one time only. And if I pay in full and am late again, they will not credit it as I am Now fully aware of their practice to change the due date. Isn't it enough, that BofA makes millions on interest fees and truly late payments????

I think Bank of America is running a scam on its users. They are putting an unauthorized charge for BAC PRIVACY SOURCE. They are doing this without any authorization.

First they raised my interest rate without notification and when I called stated it was due to my credit report. Then they would only let me sign up to pay directly out of my checking account for one year and you had to remember a year later to sign up again. I had automatic payment and they did not send me a notice that I needed to sign up again the year had ran out. Charged me a late fee and when I called them instead of waving it and seeing I paid all the time they stuck to it. Which shows on my credit report I am a late payer. Upset over this.

I was near the limit of my credit when my wife and I were wrapping up our kitchen re-model. We decided that a granite countertop would finish the project off nicely, but I needed an increase in my limit to make the purchase. My credit limit was 13,500. On their website (their voice prompt system points you there for credit increase requests) I requested an increase. The website asks you for a specific final credit limit, so I entered $15,000. The website approved the request and went and made the purchase.

My mother fell Sept 05. Since then she has been in the hospital on a couple of other occaisions. I have her power of attourney and now pay her bills as she is unable to. Since September Bank of America has raised my mothers interest rate 3 times and it is currently at 32%! She has been with them for a very long time. She has not used the card in several years. She is on a limited income and is making the minimum payment. That payment used to pay off some of her credit card debt and the interest. The payment has gone up as a result of the interest increase and the minimum doesnt even cover the interest due each month.

I have a Master Card credit card thru SunTrust, this account has been active since 1988. On 30 March 2006 I received my monthly credit card statement and noticed that the interest rate had almost doubled, from a 12.97% APR to the present 25.49% APR. This was not the first rate increases, the first time was when they defaulted on a 6 month introductory rate by one month, at the time I made the payment regardless of the error, thinking that it would be more trouble to resolve, than to just pay it, the later APR increases seemed to be due to honest market fluctuations, until now.

I was the co-signer of MBNA credit card and I maxxed it out at $18,600. The interest was low, something like 8%. I was making the minimum monthly payments and MBNA decided to pull a credit report on the card owner and found one little Blemish on his Credit Report for a Time Share he had quit paying on and was in dispute over at the time. So they jacked the interest up to like 26.99% so that made the payments go from $240 to over $600 per month so I did not have the budget to pay those kind of payments.

I received my monthly credit card statement and noticed the increase in my monthly minimum due. My payment went from $440 to $721 a month! I looked at the percentage rate and noticed that it went from 11.99% to 24.49%.

Two months ago my credit limit was reduced from $12,600 to $10,200. MBNA told me that I had too much credit and had 2 collections posted to my account.

I have a Bank of America credit card, I have been making several payments over the phone using my checking account, the Bank of America rep. never told me that this feature was not available in my area.

Opened a new credit card account and did a balance transfer. I've done this before, usually there is a $75 cap on the balance transfer fee. In this case, MBNA has NO cap - it's a flat 3% of the balance transfer amount. Was charged a $600 balance transfer fee because they didn't have the typical $75 cap.

I was issued an MBNA America credit card in 2004 at a rate of 5.9% I was never late on any payment, as with all my creditors. Since then my income has increased, I have payed off a $300 per month auto loan, my FICO score is currently over 730 and have had another card increase my credit limit to $13,500 up from $7,500. My balance on the MBNA card is only $3500.

I responded to a credit card offer in 1998 for a free ticket to a baseball game for using their new card. After repeated phone calls/delays/broken promises I closed the account in 5/2000. In 12/2005, I requested a credit report and was shocked to find that the report listed "3 active accounts" instead of "only 1 closed account". I disputed the reports and MNBA "confirmed" the accounts.

I just received my new statement yesterday, and noticed the minimum amount due had gone up considerably. My eyeballs nearly popped out of my head when I saw that the interest rate had been jacked to 25.49%. My payment had been received in plenty of time, so I called to find out what the heck was going on. The woman told me that they thought I was using too much credit.

My apr of 9.9%, which I have had a very long time, jumped to 20.49% on my April bill. MBNA said they sent an insert in my December bill about the increase, but if they did, I would have called them immediately to find out why.

I had a 2.9% loan. It was on e-bill initiated payment with Bank of America. It escalated to 19.9% because I "only made minimum payments" and that I was "late" by one day in April 2005.

MBNA raised my rate without my knowledge and was extremely unhelpful and rude!!!!

I am being charge 29.24% interest on my credit card. I have a high balance. I also have a credit score that recently went down to 658 because of an $11 payment I made late on my property tax. I read the tax bill wrong, transposed the numbers but when I caught what happend, I sent them the $11 and they are fine. MBNA isn't.

With no advanced warning (although they say otherwise) my APR jumped from 9.99% to 20.49%. I went from being able to send more than the minimum payment to only being able to send the minimum payment. I have had a credit card account with them for almost seven years with no late or missed payments and then one day opened my statement to find my minimum payment increased by $75.

I consolidated my credit cards to one payment. Because of a $65 late payment to a hospital, MBNA shot my interest rate up to 17.8%.

My interest rate was increased from 5.9 to 12.4% without explanation. This will change my monthly payment from $300 to $400 which will make it much harder to pay off the account.

They increased my interest rate from 8.90% to 16.90% in Feb. without notice or reason. When I called them they stated that I was more of a risk, but the funny thing is they increased my credit line (that remains unused) in Sept. 2005.

I am in China for the next 5 months. Went online to pay my bill and a window popped up saying that my account is temporarily suspended and that a letter is being sent to my home with the reason. On their website is not one email link or address for me to contact (in this day and age). Had to go to my bank's online banking web to pay the bill to avoid late charges and possible damaging credit reports and related embarrassments. Thanks.

I called to consolidate my three credit cards into one account, to pay them off more quickly. I was told MBNA would consolidate my debt and payoff the cards. They even read back to me the card account numbers and amounts they would payoff. They told me they would charge me 23.24% interest on my loan of $18,000.00. I thought that was high, but I was still going to save money by consolidating. When I looked up the invoice online, I discovered they added an additional $534 fee to my $18,000 balance. It was for "transfer fees" to payoff my credit cards. One of the cards I was paying off was their own, another MBNA account! However, they still charged me.

I paid $500.00 of a $2500.00 credit card charge on Feburary 6th, 2006 and was charged a $39.00 late charge on Feburary 27th 2006 because the bill had not been mailed to me until Feburary 7th 2006. I have no control when you mail your bills but my payment was sent well before the due date for the Feburary payment cycle. I demand that charge be removed from my bill.

I have been viewing my credit report for several months now trying to find out how I can cancel a credit card showing open on my report that I don’t have any longer in my possession. I have tried everything and called everyone in order to cancel it. No one seems to know where to direct me or transfer me, especially without a credit card number since the credit report does not have that information available. Please assist me as to where I can get this removed from my report or to have it show cancelled. Thank you.

Our credit card was put into penalty pricing 31.24% on a 10,000.00 balance because their finance charges put us over the limit for the card. I checked their web site last weekend over 200.00 in available credit everything seems fine finance charges usually aroung 160.00 then on 2/21/06 I get an email bill for 509.00 for a minimum payment. I immediately called them and was told the tragic news that because our card went over the limit even though it was because of their finance charge we were put into penaly pricing for six months!

I am a small business owner that personally guaranteed a Bank of America Corporate Visa Card. I fell behind on my monthly minimum payments and attempted to work out a repayment program. On November 30, 2005, I notified the Bank that my husband had been diagnosed with Stage IV Lung Cancer. On January 22, 2006 my husband passed away.

Apparently Bank of America credit cards have a policy that they will APPROVE purchases that go over the credit limit. To my suprise a charge that I expected to be declined (I knew I was close to my limit just not 100% sure how much) was approved - it was actually took me more than 200 dollars over the limit I found out, having forgotton a charge made earlier that month I figured I was in the limit if not the charge would be declined right?

My credit card payment was due on Sunday January 15, 2006. I paid the balance in person in full at a branch office on Saturday January 14, 2006. When I received my next credit card statement it contained a late charge of $39.00. Knowing I had made my payment before the due date I retrieved my receipt from my wallet to review it before I went to the bank. To my surprise the receipt was dated Tuesday January 17, 2006.

As the result of Bank of America buying other banks, I now have 4 B of A credit cards. About a year ago, B of A decided to lower my credit limit lower then what my amount was on the card by about 3 monthly payments. The amount was beyond my ability to pay and they raised my rate to 31% and have accessed "over the limit" charges and late fees. They make it nearly impossible to pay off a credit card. I have managed to get two of the cards up to date. However, I still pay a 31% interest rate. I just seems that it is NOT morally right or ethical for a bank to change its interest rate and / or to lower a limit below your current limit and then fine you for being over that limit. Also, their collection agencies have called even though I am paying more then the minimum amount due per card.

Last year I ask if they could lower my interest rate. My husband was serving in Iraq. they said could bring to 6%. I got the bill it was a almost 13% so I called them up and they told me 6 percent was for the balance transfer and 6 % is for new purchases. I have a letter that says 6% IT doesn't say 6% + 6%. Also on the bill it has 12% Corresponding APR I have call a couple more time to get the rate down. My luck right now has gone up to almost 15%

I transfered a higher rate card to BOA card Oct/2004 - the card expired July/2005. I have never been late always paid more than the minimum payment so I could pay the balance off. In late 2005 I began hearing about some credit card companies were going to double the minimum payments without informing their customers. So I decided I would call the customer service number in late October/05 and was told no BOA was not going to double payments and if they ever did they would always send a letter to inform their customers.

On Jan 19th, 2006 I received a letter form Bank of America advising that they had closed of credit card account due to inactivity. They never told me I had to use the card at a certain time or date and when I called I was treated rudely. I have never defaulted an acct and I feel this could have had serious problem if I was to use the card during the days I was not informed.Can they do this if so I feel it is unfair.

I have a Bank of America credit card a 15 month grace period of 0% interest. They purposely have a situation where you can over your limit, whereas most every card card you cannot go over the limit. Once over the limit I was hit with a finance charge (which supposedly there was no fees) they have me at 22% interest on my card and my payment is astronomical. I would like this remedied as they knew full well that they purposely want you to go over the limit. Almost all credit card companies stop when you hit your limit, this was done to charge you crazy interest. I've never been late and have good credit.

After paying for many months credit protection fees of $14.31, these were causing my account to be $8.05 over the $1,500 limit. MBNA charged me $49 fee. They waived it after I complained that I called several times to cancel the credit protection plan. Then after that, finally, the credit protection was cancelled early in November after I called in October, but not before charging $14.31 for it again, causing the account to be over the limit and MBNA to charge $49 fee once more.

I have had a card with B of A for years. I have also had my checking and mortgage with them (until recently). This month's bill shows my card at an int rate over 20%. This was suprising as I have excellent credit and have made no major purchases since buying my current home about a year ago. The int rate on my previous bill was 12%. They explained that the increase was due to the purchase of the new home. This seems odd as the purchase was some time ago and the mortgage balance is about the same as the home I sold.

My husband has a Bank of America Visa card which has been "over the limit" every month this year. So one month, I sent in everything that was over the limit, plus the interest rate and finance charges from the month before and about $100 extra dollars. It was almost a $500 payment and the following month, they raised his interest rate and moved his billing date so that he was once again $16 over the limit.

In Dec. 2004 I received a pre approved credit card offer from Bank of America which I accepted. For the next 10 months I used the card and always paid my bill on time; usually much more than the minimum payment due. Then, in Sept. 2005, out of the clear blue,when I went to use my card, it was cancelled, online bill pay was stopped, online account access was denied.

My son had his car repossessed in Aug. 2003 and it was returned to him the next day after he made his payment. Since this time, this case was handled by a court and he still has the car. Since then, I have been contacting Fleet Bank of New York to remove this repossession from my credit report. I have contacted this company for more than 2 years. First of all, I was only a co-signer and the bank only dealt with my son. My son and his wife went into bankruptcy and had his debts dealt with by the court. Also, Fleet Bank never contacted me about this matter nor requested payment. Consequence: my credit report prevents me to receive any loans.

I was 2 days late on a Bank of America credit card payment because I was in the hospital for 2 weeks with congestive heart failure. The bank charged me a $39 late fee. I called them and they said they would remove the late fee. I made my next payment when it was due, then received a late payment notice because I didn't pay the first $39 fee that they said they would remove; then they assessed another $39 fee on top of that. I called and they said they would remove that fee as well. I then made the next payment on time and received another late payment notice because I did not pay the two $39 fees they said they would remove.

On August 25, 2005, I received a letter from the collection agency of Forster & Garbus claiming that I have an unpaid Fleet account of $8.100.00. That said account was paid in full in the year 2000. Unfortunately, I did not keep a copy of the "paid off" letter with Fleet. I spoke with the agency, and they said a Mr. Chris stated if I faxed over to them a copy of my most recent credit reports showing the paid-off balance, that would be sufficient. Today is 8/30/05. I have provided them with such information, and they claim this is insufficient information.

In June of 2001, I was contacted by Fleet Bank to tell me that I owed them money. I have never had the credit card they said I had, and after a couple of months battling with them, I discovered that Fleet bought a block of accounts from MBNA. An old, closed account of mine was among them. In February of 2001, they sent a "We want you back" letter to an address I had not lived at in 6 years. The current occupants of that address accepted the offer on my behalf and spent the money on my behalf as well.

I have tried to cancel a credit card (Fleet Emerge) 3 times, and now, they are charging me a $25 yearly fee and a $29 late fee for an account that I supposedly canceled (at least, I was told by the person on the Credit Card side that my account was cancelled). I was told I received a letter, which I did not, even though the person on the other end said that she had the letter right in front of her. Whatever that has to do with me receiving a letter, I do not know. In summation, I am not going to pay a yearly charge and a late fee for a credit card that was cancelled 3 times and was cut up and thrown away in the trash.

It was recently brought to my attention through my credit union who is financing my car that Fleet Bank is reporting I am 90 days late on payment. I no longer have a credit card through Fleet and have none since I had to file an unfortunate bankruptcy in 2000. I do not understand why this was not dismissed when my bankruptcy was final. I would like to have this removed from my credit reports as it is lowering my credit rate which I have worked very hard to re-establish. I would like to know what I need to do to take care of this matter. Fleet Bank is reporting that I have bad credit with them.

Months ago, I had a charge for about 40 cents from MBNA for Credit Protection Plan coverage. I called and cancelled this service. Since that time, I have had a zero balance and not used the card. Recently, I have used this card and now I have a charge for $192.50 for this coverage! I called and was offered a 50% reduction but I do not feel I should have to pay anything. They have contacted the MBNA Sales and Service Group to state my complaint, however I question the success this will have!

Fleet turned my account over to Credigy. Credigy then turned it over to RMA for collection. I made a settlement payment with RMA which turned the payment over to Fleet. Fleet gave me the difference on a taxable income for my taxes, which I claimed. That was 3-4 years ago. Now the other day, I received a letter from Credigy saying I owed them what I had claimed on my taxes plus interest. This is really wrecking my credit after trying to rebuild it. Does anyone know if they can come back and make me pay this plus interest on top of it? I just don't understand. My credit is wrecked and can't get this Credigy off my record, even though I paid Fleet. I may have to get a hold of the attorney suing Fleet and see what I can do.

I am writing in response to your correspondence dated March 15, 2005. I am appalled and shocked at how viciously your employees treated me this past week. I am enclosing a copy of your statement to me for the March 2005 payment. I made the payment electronically, as I usually do, on March 7, 2005. My bank records show your company was paid on March 9, 2005 in the amount of $50. That amount was taken out of my account on that day for your payment. I do not owe you $68.81, nor do I owe you immediately a payment of $98.81. I was and am paid up to date as of the beginning of March 2005.

In 2003, I had maxed out a 9.9% fixed-rate Fleet credit card to $7500. My payments going out were dangerously close to my salary coming in, so I elected to destroy the card and start paying it off at more-than-minimum payments and I informed them of that. After making on-time payments for about a year online, I went to make a payment and they wouldn't take it online but gave me a number to call.

I am filing a formal complaint with every credit card overseeing agency I can access. I have been lied to on two specific occasions by Fleet representatives. When my credit card was first offered to me, it was offered at 0% APR for 12 months. When I received my first statement, interest was listed. I called and was told I was not in a 0% APR account. The supervisor told me she would listen to the recorded conversations and see what was said but in the meantime, she put me into a low rate interest account. She said it would be 3-4 weeks before I would hear from her. It has been 5-6 months and I have not heard (lie #1).

Fleet credit card company reported false statements to the credit reporting agencies and to debt collection agencies. Fleet credit card company reported that a credit card account that belonged to my ex-husband was a joint account. I did not apply for the credit card, I did not sign any documents regarding the credit card and I did not authorize the use of my name for that credit card. The credit card was used for purchases after I was divorced. My name is not present on any of the credit card statements (provided by Curtis **). I believe that Fleet credit card company has committed fraud. A debt was reported on my credit report, and I am unable to get any loans if I needed to.

Back in Dec., I was paying my bills online through my bank (Bank of America). In doing so, I accidentally put the payment amount for another bill in the space for Fleet Credit. I accidentally sent them $1000.00 that I was going to pay on another card. The Fleet account I had, had no balance. I called and asked them to refund my $1000.00. They said no problem. It would take up to 30 days for me to get my money. After 30 days, no money. I called and they said they didn't know what happened and that it was probably in the mail. I again waited and still no refund. I called again, and they said they would put some form in to see what was going on. This would take another 7 to 10 days. I asked if I could go to a bank and get cash advances to speed up the process. They said yes, but they would charge me a surcharge of $5-10. Now I am at my wit’s end. They are going to charge me for my own money? That is crazy. These people are very quick to add late fees, etc. if a consumer is late with a payment. The last one had the nerve to ask me to send a copy of the check where I paid them. I said, “Lady, I paid online. And it’s evident you got it because my account there shows a credit balance of $1000.00." In the meantime, I am having to pay interest fees on the other credit card where this money was supposed to go to.

When I got my new Fleet Visa card, I called the 800 number to activate it. This was right about Christmas time. I've been using the card since then with no problem. Today, when I tried to pay a doctor's bill, the card was rejected. I was unnecessarily embarrassed! I called the 800 customer service number. Your agent informed me that there was no balance problem, only that you wanted to verify that it was I who was using the card! Your agent also informed me that you had tried to phone me at least three times but got no answer. There were no messages on my answering machine. Why?

In July of 2004, I set up a re-age program with Fleet Collections Dept. The employees were very helpful at the time. Six payments of $116 were to be taken from my checking account on the 15th of each month, beginning in July and ending in December. On Dec. 28th, I received at least 10 phone calls in 2 hours from a law office (collector) in Massachusetts. After calls to my cell phone, harassing my 13-year old son at home until he gave the caller my wife's work and cell number, the caller reached my wife at work telling her if we didn't pay the $7,900 balance we owed Fleet by 4pm that day, they would file suit against us, put a lien on our home and attach her paycheck.

In February 2004, I sent a final payment to the bank to close my account. There was a credit balance of $31.04 and I requested a check in that amount. I received the check on March 11 along with a note from Carol ** Executive VP. My assumption was that my account was closed. On December 11, 2004, I received a statement from the bank showing three charges totaling $60.87. My question is, first, how can the bank accept a charge to a "Closed Account"? Second, I gave no authorization for these charges nor would I charge to a closed account. Is there a legal or ethical breach here?

I signed up for my credit card approx. 3 yrs. ago. I had chosen Fleet because of their low fixed rate. However, after a year and a half, the rate just jumped 100%. I contacted them, and they told me my credit score was not good and hence the increase in interest rates. I have also noticed recently in the last two months, I will mail my payment as soon as I get the bill, sometimes two weeks before due date, but it’s not posted till the day after it’s due. This is highway robbery as other payments that were posted at the same time reached a week before Fleet’s payment. I have called them, and they told me that it was late. I feel hopeless.

I originally had a VISA card with FNANB. I paid that account off in full and closed it out sometime in and around 2002-3. Since then I have received at least three statements showing that my account had been reopened despite closing them out via the phone. I also requested and received a letter stating that it had been closed once and for all back on November 12, 2003, which I still have in my possession. I did that out of frustration that it continued to remain open. Then a couple weeks ago, I received another statement from your bank (Fleet) with my account reopened and showing that I owed a $25 renewal fee. It also reflected that I had an open balance of over $8,300.00 available to me as well without my permission.

I have been in dispute with this company for about a year. They raised my interest rate from 9.9% to 25%. This is why I closed the account. But after a year of calling and arguing with them, I am told that since the account is closed, I can not have my rate corrected. I have done all they have required me to do to correct the interest rate, but now they are telling me that this can't be corrected. I feel that the rate I am paying is unfair and unwarranted. I should at least gotten a reasonable explanation for the huge jump in interest. All I was told is something is on my report.

Although I had never missed a payment, Fleet Bank cancelled my credit card account in October without any notification to me and reported the $20,000 balance as charged-off. Immediately upon learning of this, I called the customer service number but gave up after being on hold for over 80 minutes. I have continued to make the monthly payments, but I have not gotten any acknowledgement that they have been received (the checks have cleared at my bank) nor any accounting of my current balance. In spite of sending numerous letters, I have not even gotten a response. It's hard to understand how an account can be classified as "charged-off" when payments are being made and accepted.

I closed my savings/checking account with Fleet Bank. However, I did not close my Fleet Bank Card account. Approximately 6 mos. later, someone used my Fleet Bank Card to purchase approximately $250 worth of merchandise. Note: I had not used the card for approximately 6 mos. I was told to call the Fraud Department and to complete an affidavit. I continued to receive bills and growing late charges. Whenever I asked to speak directly to the investigator, I was told he was not in. I left a voice mail message for him but never received a call back.

I signed on with Fleet credit card services a number of years ago. My limit was low and up-to-date for years! October of 2002, the job I had been employed with for almost five years decided to cut my salary, not a little bit, but $436 per month! I had just purchased a car a short time before October, the first car I bought for over ten years and felt that my job was a stable one; at least that was what I had been led to believe. I began looking for another job, but none was to be found in the area I lived in so I took another 40 hours per week job in order to help offset the loss of money. I was 55 years old at the time and working 80 hours per week was adding up fast. I searched for one job and only found it in a bordering state. So I made plans to relocate in order to work one job, not two.

Fleet Credit Card company had raised my interest rate from 7% to 14%. I have never been late on a payment for the entire 1 1/2 years with the company. I received a notice in October 2003 stating that they had inadvertently forgotten to mention that the increase was because of information received from a credit bureau (Trans Union LLC). They didn't state whether or not my credit rating was bad, which it is not. When I complained to the company, they said that it was because of my employment status (isn't this discriminatory?) and because of another credit card bill with another company (which I also always pay on time).

I cancelled my account with Fleet in May, and have been paying since. In August, I contacted Fleet and told them that I would like to pay my balance off and terminate my business with them. I was told an amount, which was the same as the amount on the bill. I promptly sent them a check for the amount and wrote "paid in full" on it. It was cashed by Fleet. Today, I received a bill from Fleet for $30.37 - $9.87 in "residual finance charges", and $21.50 in late fees.

I had an identity theft incident on my Fleet Card. Somehow my address got changed and charged over $2000+. When I found out, I called Fleet. The woman on the phone was actually very helpful (I thought so anyway). She said they would investigate and get the charges taken off and for me not to do anything until I hear from them. Well, I didn't hear from them for a while and I tried to call. I was given a special number for these cases. I had to leave a message and no one ever called me back. This was in September. So I figured I would wait like they told me to. I eventually forgot all about it. I did have like a $400 bill that was legitimate.

I made an electronic payment of $2,000 to Fleet (as I do every month) and in July, something went wrong. There was an error in the processing, so Fleet charged me $64 ($29 'returned check' + $35 'late fee') plus interest on the non-payment. I called them and said I had plenty of money in the bank when the transaction should have occurred, and they told me in order to get the fees reversed, I would have to do two things: show them my bank statement proving I had enough money, and go to my bank and have them write a letter stating I had enough money. I did what they requested and faxed them a letter my bank drafted for me.

I originally signed on with Fleet about 1.5 year ago with an introductory offer. Once my offer ran out, my rate went to a fixed 7.99% APR. This month, I noticed my rate had jumped to 14.5% APR. I never made any late payments, always paid more than the minimum, and have a good credit rating. When I contacted Fleet to ask about the increase, they stated that the reason for the increase was that they were not making enough money on the account and that I was not using my card to its full potential. When I asked what that meant, the manager said that I had not made any balance transfers recently.

On 3-31-04, I received a credit card from Providian and requested to make the transfer of four other credit card accounts over to the new Providian card. This transfer request was made via the internet. The request was to transfer the amounts from three Capital One accounts and one FNANB visa. On 4-3-04, I received a confirmation letter dated 3-31-04 from Providian acknowledging my request to transfer 4 credit card balances. According to the letter, the balance transfers were to be processed on 4-18-04. This confirmation letter was written by Ben **.

Someone called Fleet pretending to be me saying that my card had been stolen. Fleet canceled my card and sent new cards to a totally different address than mine. After speaking to them, they canceled the cards sent to the wrong address and said they would send me a new one to my home address. Three weeks later, I still have no new card. I called them and they sent the new card again to the wrong address! I told them to cancel the card and to please send me a bill. I want to keep good credit. I'm still waiting for my bill. I got a call from Fleet saying my account balance was past due! Well, if they would send the bill to the correct address I will pay it. What a nightmare!

Fleet bought out my First National Card. They issued me 2 cards w/out asking. One card had no balance, and the other carried the balance of my old card. I made my usual $140 payment to the wrong card. I charged $10 on that same card. I received another bill for the same month and didn't know why. After a few hours of phone calls, I found out what had happened. I cancelled the $10 charged card. I asked to be sent the $130 credit. By the time I got it back, I was low on money. I sent the other card $100. By the end of the month, I usually run out of money. The $100 didn't go through by just a few dollars. I got charged $20 from my bank and $29 from Fleet. Then they ran the check again. I got the same extra charges making the total $98 for being a few dollars short because my payment was made so late in the month. I only get paid once a month - SSI - $780/mo. I live in low cost housing. I always pay my bills at the first of the month and don't write any checks for a while so they will all clear. I would not have had a shortage for the payment if Fleet had not sent me 2 cards without me knowing it. Fleet won't make any adjustments to my account and refuse to let me speak to a supervisor.

The customer service lady that took my application over the phone misled me and had me believing I was going to get to do a balance transfer and be approved for $7000.00 to help me consolidate my bills into one. I feel I was treated very unfairly! I may have a history of where I did bankruptcy, but that was 2 years ago and I was going to pay $350.00 a month to Fleet credit card services once I was approved! They should not send these stupid preapproved letters if they aren't going to approve you! She made me feel as if I was going to be approved. Then I got a letter that I wasn't!

My complaint is the so-called "credit protection fee" that I've been paying on and off during my payback to MBNA. Now the whole thing with this credit protection fee is that it is a plan that when you are ill or out of work, MBNA will freeze your account for up to 24 months to allow you to get on track. That's what I need at the moment due to being laid off.

I have an MBNA credit card because it is connected with LL Bean Clothing company. Its interest rate is high, but I can pay it off monthly and I get free shipping plus LL Bean $$. When they sent me information about a line of credit for 6.99%, I called to find out more about it. They take all your information, check your credit report and then, of course, come back to tell you yours will 9.99% or something like that. I already have a very good credit card for that amount and a Dell computers account for 6.99%, so I told them forget it, I didn't want it. They tried to change my mind and I explained why I didn't want it and then hung up.

My MasterCard and Visa accounts with MBNA have been in dispute since September 2003 due to MBNA reneging on an agreement to reduce my interest rate to 1%. Under the agreement, I made payments for 3 consecutive months at a pre-set level (MBNA obviously documented the agreement, as their representative had the payment amounts for each account in front of them when they called to confirm the payments in June, July, and August 2003). At the end of the 90 days, I was told I had to arrange for automatic debits from my checking account at a higher level than had been agreed upon in order to reduce the interest rate to 1%...and the rate would only be reduced for 12 months.

I bought a house in July 2003 and needed some money for the closing costs. Well sitting in my file cabinet were some courtesy checks that MBNA had sent me. 4.9% interest until August 2005 it said. I used the check and got $3000.00. Well I moved into my house and in September I received my statement from MBNA stating that my interest rate was 12.99%.