Bank of America Credit Cards Reviews

Recently, I was going through my statements and discovered this charge again on my statement (closing date 2/9/2004), for $45.80 this time. In going back through all my statements I have found that this credit protection was stopped in January 2002, following two charges for $100.99 (that I was not credited for) and $103.34. No charges appeared on my statement for 11 months, and then in December 2002 these same charges started again, and have been every month since. To date I have a total of $617.55 worth of credit protection service that I cancelled on 12/24/2001.

On 2/21/04 I called MBNA again and talked to Jean. After telling her my problem she advised me that MBNA offers the credit protection as a service but another company handles this, and that is who I should contact (877-406-3742, M-F 8 am to 7 pm EST). Today (2/25/04) I called this company and explained the situation to Felicia. After requesting the refunding of my $617.55, she offered me $25 as a valued customer, to basically go away.

When I rejected the offer she turned me over to her supervisor (Joanne - Account Supervisor). I explained the same situation to her and she at first offered me $45 as a valued customer, to basically go away. After I told her that it took 2 months to get the service removed (for 11 months) and magically appeared again in December 2002, she said that there was no record of me having this service before 11/23/2002. She said I enrolled for the service by telephone on that date. I told her that this was impossible.

Why would I sign up for a service that I cancelled a year earlier. At this point she indicated that she could have an investigation done on this to ensure that the solicitation was properly authorized, and would take 20 business days. I told her to proceed with this (however, I do not believe that this will show anything). I also advised her again to immediately cancel this service and to make a not in my record to take me off of the solicitation list. She confirmed to me that this would be done.

Although this happened to me years ago, I still cannot get over how despicable this company is for approaching young and impressionable individuals and luring them into the world of 22% interest rates. Although individuals are considered adults at the age of 18, do not think for a minute that MBNA does not recognize the fact that if they offer a student who has been eating ramen noodles for two months straight a credit line of $5000 (who gives a person with no credit history a $5000 credit line to start?!) they will accept it not realizing the potential danger they face with such asinine APRs.

I got this credit card in June of 2003 as an Apple line of credit. I have made my payments on time (sending in a $250 payment seven or more days before the due date) every month. But MBNA sits on the payment until the due date has passed, and then adds a late fee to the next bill. This has happened repeatedly.

I work for a community newspaper. I bought the paper a $900 software application with my MBNA credit. The paper is writing a check to MBNA (to be applied to my bill) in the amount of $50 a month, until the software is paid off. With the bogus $35 late fee every month, I'm making absolutely no headway on getting the software paid off. And each time they claim I'm late, there's a blip on my credit report. I entered into this arrangement with MBNA in good faith and feel they are deliberately trying to cheat me out of my hard-earned money. I'm keeping up my end of the agreement; they are not.

I am having to pay at least $100 a mo. which barely puts a dent in the payment and balance due and I will never get the card paid off at this rate. I have never missed a payment myself and this is very distressing for me since I have explained and tried to work this out and have always caught it up and I also asked them not to leave the bad report on my credit report and they will not comply with that either. I cannot help that she was dishonest and didn't pay. I am doing the best I can to pay this but they are making my life and finances difficult because of the steep payment I have to send. It is causing me undue hardship since I have no one helping me with bills.

According to Chase, the payment sent from Fleet had the wrong account number on it. When I requested a copy of the check from Fleet they assured me I would receive it in 7-10 Business days. Two weeks later when I called back because I never received a copy of that check I was told that the payment was electronic so there was no hard copy. I have been completely jerked around by these people for over 6 months and I believe this is unfair. This has been on going since Aug of 2000 and everytime I call Fleet to check status they have the nerve to tell me "It's under investigation."

I explained to them that this is ludicrious and in the event that the payment was applied to another account they should have issued my Chase Mastercard with another payment and then investigated the other payment for customer satisfaction. There should be no reason why this has taken so long and they just keep telling me their sorry for my inconvience. So as it stands I am receiveing two bills in the amount of $4000.00 and more due to accumulating finance charges. I now am outstanding with Fleet due to the fact that I have never sent them a payment and will not until this matter is resolved. My credit has now been demolished and I am in debt over $8000.00.

On Monday February 12, 2001 I received a letter from Fleet stating my check had been returned by my financial institution and they were assessing me a returned check fee. Also that evening my husband received a call from a rather rude man from Fleet about the situation. As I was not home, he told them I would call back. That evening I called my financial institution to find out why I had not heard anything about a returned check from them. The computer stated that check never had been cashed nor had it been returned NSF. The following day, I received a phone call from Fleet again, this time it was a computer recording stating this matter needed attention.

I called at 5:40pm that evening. After being transferred and disconnected, I called back and after explaining my situation several times I was transferred five different times between, very rude people and departments. Finally I received an answer from an account specialist that the account number was invalid. However, she was willing and anxious to get my OK to run the check through again. I have heard from various consumers and financial institutions that this "transposing" of numbers is a common thing for credit card companies. They change the number, then tell you it won't go through. In the meantime they tack on past due fees, transaction fees, processing fees, etc. Well, this is what was happening.

After I decided to mail in the payment, I asked her to relay my feelings about how the situation was handled to her supervisor. She insisted I could speak to her myself. I agreed and she transferred me to who I thought was a supervisor. I ended up back down at customer service who then transferred me to another rep who then transferred me back to an account specialist who then transferred me finally to a "supposed" supervisor. And this was the end. A man named Dave answered with such disgust in his voice; "this is Dave, can I help you? I asked, "is this a supervisor?" He responded with a "yes, can I help you?" I stated, "do you realize I have been on hold waiting for you for 12 minutes?" He completely ignored my question, so I restated myself. He came back with this response. "Listen, if you want to start off on the right foot let's get rid of the sarcasm." I said "are you serious? Oh my god! And you are a supervisor?" His response was, "OK, you know what, why don't you hang up and call back when you are in a better mood". Then he hung up the phone on me. I was so astounded by the treatment I had just received I couldn't speak.

As a professional who works for one of the largest insurance companies in America, I wouldn't even dream of speaking to one of my customers that way, even if someone were belligerent to me. There are appropriate ways to handle certain types of situations. My mood at the beginning of the conversation was pure innocence to let someone know how things are being handled. I had no intentions of ending my account with Fleet. I assumed it a simple mistake and wanted it corrected without hassle. These people need not be getting money from us consumers in any way, shape or form. They should not even be working with the public. I encourage everyone who is considering a possible account with Fleet, study consumers past experiences with this company.

Sept. 19th I contacted the Customer Service Dept. and spoke to Cordellia the first time. She told me my payment was not received until 9-10-00. I told her I made the payment in plenty of time for it to get there before the due date and I wanted the $29.00 late fee taken off my account. She told me they will not take it off. She kept telling me my payment did not get there until 9-10-00. I told her I wanted to speak to a Supervisor. She put me on hold for 5 minutes. A supervisor came on the line and didn't introduce himself or ask can I help you. He just stated "We will not waive the late fee because your payment was late". I told him it was not late. He was very rude on the phone. I told him how do I know my payment was not lost somewhere in your office and posted late? All he knew how to say was it was late.

I hung up on him and called about 10 minutes later after I cooled off a little. I then spoke with Stacey. She told me she was in the Delaware office. I asked her I spoke to Cordellia and a supervisor about 10 minutes ago. She told me we have several customer service representatives all over the state. I then proceeded to tell her about my problem. She was also rude and said it's standard policy for late payments. We went around and around about the payment being on time and late. I didn't get anywhere with these people. What happened to giving the customer the benefit of the doubt, or the customer is always right? They just lost a good customer right here. Its a wonder they're making money charging people unfair late charges. Is there anything you can do the get this charge taken off my account. Is it my fault if the mail didn't get the payment there on time or maybe Fleet Credit Card did misplace my payment. They surely wouldn't admit that, would they?

It's a nightmare that they can do that to you and be able to get away with it. I'm feeling badgered, bruised, humiliated and still have to pay what I don't owe at the first place. Where is the justice?

Furthermore, they alter the payment due date, flipping back and forth from the 5th to the 7th to the 9th in order to confuse you regarding a scheduled payment. I believe in our case, we can afford to be ripped off, but I think of all the people that have credit card debt with this company that can't, and it is reprehensible and makes me sick.

Did not occur that way. My latest statement demanded even more, so I rang up MBNA and endured their know-nothing hippity hop game. I had to go through about 10 people, none of whom knew what they were doing. I was disconnected four times. Katie said I MUST go through their financial service debt consolidation program, where I put ALL my other debts to death by using MBNA. I spoke to with Renee and said: NO WAY. I spent over TWO HOURS with several "customer assistance experts" until I finally reached someone named Jeff Snow, who said to pay $56.00 a month, upped for some reason from $54.00. And that he would send me some forms to re-apply for this program. He failed to assure me of acceptance.

When I asked him what would happen if I let it go, if I were an evasive dishonest person, he said it would go to a collection agency and that he had "no idea" of what they would do. Garnish my SSI? Shoot me? What would they do? I have NO ASSETS. I had informed MBNA in writing and on the phone that I was severely disabled and sick and would probably die before I could pay them the $4,236.23 I owe them.

Their response was, "That's your problem." If there's a more convoluted, dishonest, serpentine bank/credit card company, let me know. These people don't know what they are doing, they disconnect me when they run into questions they cannot answer, and are not at all forthcoming in giving TRUE and FACTUAL information that comports with other MBNA representatives.

That they lack compassion is obvious. I almost feel like punishing them as they punish me by sending them 10 bucks a month. Just to see what would happen. I've never been evasive with them, they raise their interest rates whenever they please for no discernible reason and it's PUNITIVE.

I can't really afford the $56.00 they demand. I made a similar deal with CHASE for $35.00. They were super. Physically and emotionally, MBNA's Draconian measures and disorganization were a further drain on my rapidly diminishing health and energy. I am the victim of misinformed, lying customer "assistants" who are assisting me into an even more early grave. Thanks MBNA. Hire some humans once in awhile. I'm exhausted, sick with pain and ready to end it all because of these people.

Deborah raises a good point. Death erases all obligations. Creditors would do well to remember this and at least pretend to be a little compassionate when dealing with those who may be nearing life's end.