Bank of America Credit Cards Reviews

The irony is that on that same day when I called Citibank for a totally different reason, they volunteered out of nowhere to lower my interest rate and pretty much rolled out the red carpet even though I was not calling to complain. Summary: Bank of America has done things to try to trap me in debt including suddenly increasing my monthly bill to an outrageous amount despite my never missing a payment, moving the due date around to trap me with a late payment, and then passing the buck when you call for assistance. Out of all of my bills, greedy Bank of America is the ONLY one I have trouble with. Since my bill is too high and may now completely ruin my credit record, I am in the process of trying to find another lender. But, due to the economic crisis that Bank of America and other banks caused in the first place, it is nearly impossible to find loans at this time.

Well one month I guess I made it one day too early and was charged another late fee. I called and was told this and that I needed to make my payment after the 3rd of the month. My interest rate then went to 9.99%. I doubled up on another payment and made it right away. Next month, there is a 29.99% interest rate and another $39.00 late fee. They applied the double payment to the previous month so the current payment was late again. I cannot afford the interest rate. Bank of America will not work with me and just wants to sell me a home equity line of credit. Below is my payment history and amounts. The date is the deliver by date.

2/22/08 $250.00; 3/31/08 $260.00; 4/21/08 $501.00 Double Payment; 5/16/08 $252.00; 6/4/08 $252.00; 7/7/08 $252.00; 8/4/08 $252.00; 9/3/08 $252.00; 10/6/08 $477.00 Double Payment; 11/13/08 $252.00 Went to 29.99% interest rate

I was hesitant to talk to anyone other than a person that I had called directly, but I continued on with the process. The caller on the other end then took more information and told me that I needed to make an appointment with a counselor and that while a counselor was available at this time, I could schedule an appointment at a more convenient time for me. Still skeptical, I made the appointment. In the meantime, I got another statement showing that they had lowered by interest rate from 27.9%to 22.9% and refunded some that interest that had incurred with the following months statement. I also got a letter from Mr. Scott ** of Bank of America informing me as you discussed with a Credit Analyst, my account has been closed to further charging privileges because "you currently have sufficient debt considering your income (?)."

So when I got the call from the Credit Counselor, he asked me why I made the appointment. I told him that I was calling for the Credit Counseling that Bank of America had offered to me. And I asked him, "What is Credit Counseling about??" The Counselor told me that they offer to consolidate my debt and that I must understand that all of my accounts will be closed and that I will not have access to any of the other credit cards. So I considered for a moment. This might be good for me, so I asked what bank would this be and he replied "Bank of America?"

I then asked, "What would be my interest rate for this consolidation?" He then told me that he couldn't tell me because it would have to be set by Bank of America. I then asked him if he could give a ball park figure and he say, "Well, some customers have a 4.99%, while others have a 10.99% and some have a 12.99% interest rate." I then asked, "How do you determine which rate would be my interest rate?" He replied that they usually know after three months in the process. I politely replied that I just couldn't trust Bank of America to give me a good interest rate and that I could not do business with them. So what do I do now and how do I clear up this blemish on my account? Thank you for any help that you can give to me.

I've written two letters to B of A, sent certified requesting consideration, including a second which stated I'd make the upcoming payment (which I did) but in no way do I agree to this increase. In one of the conversations, they implied that had I opted out, I would have to stop using the credit card, which I IMMEDIATELY DID. However no copy of the supposed notice has ever arrived. I am considering closing the account. I neither want nor use the VISA card yet have a balance. It seems their goal was to get me stuck with nearly double interest.

I called today and they agent who was nice in tone but a complete ** said, "We can do it but it will now take 60-90 days to get his done." WHY? WHY? WHY? This is a straight forward everyday occurrence for you guys. Why should I have to jump thru hoops in order to get a routine transferal of mileage completed? I was planning to make reservations with my mileage granted to me by you and AK PROVIDING I opened an account with you. I have missed my window of opportunity to make my trip to see my only child in Idaho and grandchildren I have never seen before. BUT since you did not credit my mileage acct with the 25K owed to me, I cannot be with my son and grandchildren at Christmas 2008 and sit at home alone in the snow in CT and just keep ** about BOA and their lack of tenacity in getting things done for the "little people".

If you think I am annoyed? You betcha. If you think I have tried to get things going to get this process completed--you betcha. My credit card number is **. My AK freq flyer number is **. Now stopping talking and get working and have this matter taken care of. Maybe a miracle might take place and I will be able to see the grandchildren I have never seen before (they are 14 and 12) and my son that I have not seen in over 5 years. Your earnest effort would certainly be appreciated in a very timely manner.

And then I call back, and ask for the person I was talking to so I could complain about her, they said they have no record of the call. Of course there's no record. She probably didn't submit it because she hung up on me. Really? I mean, right now, some many people are in trouble, and she has the audacity to hang up on me and not let me talk to someone above her? I did not believe her at all that she was the supervisor. So they gave me an address that I can send a letter to, but that really does no good because it's not like they can find out who it is. I can't believe them. My whole family is at BoA and I will definitely move them, and tell EVERYONE NOT to use BoA. Just because they are the only ones surviving this crisis, doesn't mean they can treat people like crap. I can't believe them.

There is some kind of bar code that the USPS put on the envelope but I took it to the post office and they said they could not tell (when it was mailed) from the bar code. I called Bank of America and they claimed that the bill was mailed out on the 10th of the month. I don't believe this, if its true then that means it took 11 days to deliver. If this was the first time this had happened I would not be concerned but I have detected a pattern and I honestly believe this is intentional. And I believe they are using the prepaid postage envelope to cover their tracks.

I did listen to them but declined their plan as I won't do business like that with a company that does not have an office somewhere in my home state that I can sit down with someone in person. I would not be really saving a great amount each month either (there is also $50 monthly fee). All my other cards would be closed also. Is it possible to find out if Nova Debt is connected to BOA as anything that was explained to me was what BOA required, nothing about any other creditor's requirements. Would be interesting to find out more Nova Debt. Anyone else out there put in touch with this Debt Management co.??

To my mistake, I said to the rep, "How am I going to pay this, I should just close my account," and hung up. When I called back to talk to someone else, I found they closed both my BOA accounts not just the one I threatened. That representative NEVER got my DOB or SSN to confirm who I was. When I told a senior rep this, she said, "Well you must have referenced something on your account." When the hell does referencing something on your account make up for confirming your ID??? Even when you make a payment via phone they want your DOB AND SSN.

I spent over an hour talking to more people trying to get my accounts reopened knowing that my rate would never change once closed (from experience). Every supervisor I talked to was rude, wouldn't remove any fees and said if I paid a $100 (over the limit) maybe they would lower my rate. They also transferred me to another dept to pay off my debt??? I never asked for help. No one would listen to me. It's almost like I was speaking a different language. Since I never got an opt out for either card I composed a separate letter for each card threatening them with my writing the North Carolina State Attorney General if they didn't change my rate. Plus I am sending both letters to their corporate office in Delaware.

If I pay only the $300 (more than double my original payment) on each card, it will take me 40 months to pay them off at this interest rate. When I called on 11/22 to find if I was mailing my letters to the right address in DE, I used my cell phone and didn't give my account number and just asked the rep nicely for a correspondence address. But when he asked why I told him I wanted to opt out and he said rudely it was in the letter, When I told him I didn't get a letter he actually said, "How do you know you can do such things?" Bank of America should rot for charging more points than the mob.

I am not sure how much a poorly typed complaint can help when you're dealing with such power, but why not vent it out. Watch the CEOs of these large banks like B.A.on CSPAN. You see them laughing at the taxpayer. Their only motivation is greed!!! And they really don't try to hide it. Their biggest tactic is online banking and automatic payments. Credit line transfers make it easy to get fast money. Then they catch you sleeping, raise your rates and no matter what you pay the principal balance does not go down fast enough.

My basic complaint is they should be big enough to help not hurt. They remind me of the CEO in blade runner, oblivious at the top and totally uncaring. And I just handed them another 25 billion dollars.

Then my payment came in 2 days late from the due date, and right away they increased my APR to the delinquent rate. BOA reps. are very unsympathetic and inconsiderate. The fact that I have been paying on time for years didn't matter. They just want more money from me. They are not willing to work with you. They actually transferred me to a non-profit organization that helps you with your debts and lower your payments. I told them that I wasn't interested in that, and that I just want my APR lowered so it's easier to make payments.

These non-profit orgs. work for them, and what they do is they negotiate a lower payment for you but you have to close your credit cards and agree to their terms to insure that BOA still get all their money back. This will also affect my credit rating. Since I told them yesterday that I wasn't interested to talk with their non-profit org., they punished me today by closing all 3 of my credit cards! BOA credit analysts are ruthless and heartless people!

Being in good standing with them does not seem to matter. It is my belief, they are trying to cover their bad debt created by their issuing of credit cards to people who cannot pay them back. It is also my belief they are using this practice to pay bonuses to their top level executives and to buy other financial institutions to increase their market shares in the investment community. Many other states have already enacted laws to prohibit this type of practice on consumers and are investigating them on their business practices. They also pulled a shenanigan a couple of years ago to increase the rates for people who paid their utility bills with a credit card. If they are to operate in California, I think there should be constraints put on them to operate fairly and above board.

I refused the rate increase which means I can't use the card or it will automatically increase to the 22.49%. Limits my buying options and I'm sure will lower my credit rating since I now have less credit. I don't trust BofA at all, and I'm sure my 2nd card will receive the rate increase at some point. When that happens, I'll have to cancel that card as well. I anticipate that my credit score will plummet and I'll not be able to get the high-end things that I need this winter - like 2 furnaces for my home. Ridiculous. Aren't there laws against usury?

We pay all of our bills and never pay late. Is there anything I can do? I have to think there are other good paying customers that are being affected by this regulation. I realize I have a responsibility to pay my bills but the $1000 increase is not possible. Any suggestions? I do not want to consider the alternative.

We know of the agreement you make when you sign up for the credit cards, and it's never been our intention to not pay but at this time we cannot, we now have to worry of having to go to court behind this. It's sad that as a company as big as them to do this to people. Of course once this matter is resolved we will never do business with Bank Of American again. I know that losing a customer to them is not a big deal as they will find someone else to sign up. But sooner or later it will come back to them and they will lose more in the long run. As we are not the only ones in this situation and there will be more to come, is just a matter of time.

WOW...how generous of them to look after my well being. Wonder if they do this for all the illegals without Social Security numbers? I understand doing this to someone who has a poor history within their own company...BUT to base it off from a credit report that they randomly pull. I thought that practice was illegal. And if it's not, it should be. They should have to have my permission to do that. I will pay off this card and take my business elsewhere.

Now I am furious as my lines are so low I fear my credit score is in jeopardy. They also ran a credit report last year without reading a disclosure and did high line redistribution converting my one card into two. One with high line and another with low line which I tried three times to correct. Now they will not speak to me and said a manager will call in 48 hours. Oh, I just want to say I have $43,000 in the bank too. They said I am too risky. Well, when I was paying the $13,000 back to those deceitful characters yesterday, they were more than happy to relieve me of those funds within twenty four hours! Thank you for your time and consideration. I want to warn others.

I went through the initial process and was told that since I didn't contact the Plan Administrator, within one year of my loss or damage they would deny my claim. I wrote several times explaining my circumstance, but received the same response. After my written requests, BOA immediately proceeded to cancel my Credit Card Protection Plan. I am wondering if the BOA Credit Card Protection Plan has ever paid any claim for loss.

Long story short, I spoke to a supervisor. I was told there is nothing they can do to push the payment through and I should not use the credit card to pay things off and BLAH. I cried cause I got hung up on over and over and no Sorry for nothing and so I took the money, paid my car payment and gave them a $40 payment then they added a whole bunch of charges which made me mad! I gave up! They soon closed the account, sent it to a third party company that calls me nonstop every hour of the day until 11 at night which is insane.

My phone company advised me to change my number because they see on my call records they called me 10 times or more a day. I called to set up a payment and I was told by a supervisor that I am not irresponsible and she's not going to help someone like me. I asked her why would a supervisor say something like that and she told me I made no attempts to pay them which I have first the automatic payments then the $40 and I cannot open a bank account because of them! I NO WAY IN HELL WOULD EVER RECOMMEND THEM. Their mission is to get any money they can without caring how they represent the company! THEY CAN CARE LESS IF YOU'RE STUCK WITH NO WAY TO PAY ANYTHING AND WILL KEEP ADDING EVERY FEE IN THE BOOK!

When we agreed to the balance transfer transaction in 2008, I spoke with a customer service person from Bank of America to get all the details so we knew what we were agreeing to. First I thought this was a new account. We have not used Bank of America since I took over our personal finances in 2004. The customer service representative made no mention that this was an existing account and that there was a credit insurance agreement on it. Tim did give us some credit back on the credit insurance that was charge to our account. He told us a manager would call us to try and resolve the remaining credit insurance balance on our card. My husband's credit score is around 780. I never received a call back.

I just spoke with Tiffany 10-17-08 and she said they have reported us to the credit card bureau for a $67.33 balance left on our card, which are only credit insurance charges and late fees. What should we do from here? We have no intention on paying for the credit insurance and late charges. Thank you.

After about 4 months and several phone calls, I finally received a letter stating that I signed up over the phone. I was told that they would send me a transcript of the phone call in 7-10 days. I never received this so I called again. They gave me another number to call. The person that I spoke to this time basically told me tough and that they were not going to credit my account at all and that they do not send out transcripts of phone conversations. I stopped paying my bill in hopes of having someone with the authority to give me the credit I deserve contact me.

I did start receiving phone calls and now I am being harassed daily. I have been hung up on twice, threatened once and have been basically treated like a second rate citizen. I did finally get to speak with a nice woman who identified herself as a supervisor who convinced me that if I paid my bill and brought it up to date that she would start an investigation to look into this credit protection plan scam. I paid the bill and never heard from her again. I stopped paying the bill again and now I am being harassed again. They increased my interest rate fro 9.9% to 29.9% and now another increase to over 30%. I searched the internet only to find that this credit protection plan has been issued to several other people without their knowledge and Bank of America refuses to do anything about it.

Also, the interest was never lowered as agreed and has varied each month, ranging from 28.99%-32.24%. Unbelievable... this is a nightmare! So, I am paying huge interest on fraudulent late charges that are building up, in addition to paying the incorrect high interest on the original balance. PLUS, the payment (auto debits, or pay by phone payment as it shows on the statement---another falsehood) have changed to $100 a month from $75. I have the names of all the people I have spoken to since this began. Everyone promises to straighten it out, but they do not. Promises to call me back with an adjustment amount are not fulfilled. I have requested that they STOP debiting my non-BOA bank immediately due to this inaccuracy, and they refuse, saying they must speak with my daughter.

Take note that they have spoken to me many times before. My daughter has ok'd me as an authorized person on the account several times. I asked them to please call my daughter with me on the other line to verify identity... they refuse. They say she must call them (??). So, we have to hang up, my daughter cannot get anyone to answer so here we are back to square one. Let me add to the fact to establish my credibility: I also have multiple accounts at Bank of America, all in very good standing--and I am a very responsible 52-year old adult with a credit score of 777 (last time I checked... at Bank of America no less!).

I was furious. Why in the world do they list the due date as a Sunday knowing full well all banks are closed and we cannot make our payment. If the payment was technically due on the preceding Friday (September 19th) that's rightfully what should have been on my statement! I thought since the due date fell on Sunday, I was still able to make my payment on Monday, (Sept 22nd) morning without adverse consequences. I believe their listing of the due date on a Sunday may actually be an intentional action which is misleading and allows Bank of America the ability to charge higher interest rates and exorbitant fees to unknowing citizens.

I realize they consider that as notice, but that is truly a deceptive practice. Who in their right mind would agree to their interest rate more than doubling?? You hear all the time to call your credit card companies and negotiate with them, and that they will work with you. Well, NOT Bank of America! I wrote them a letter, recounting all the circumstances and reminding them that I have been their cardholder for 5 years +, and asked them to review my payment and account history and reconsider the increase. I received back a form letter, just repeating the same thing I had been told over the phone. Doesn't the fact that one of their reps told me that the interest rate increase had been a mistake, and that my account was problem free, count for anything?? I've been reading a lot about Bank of America lately, and it seems that I'm not the only one who has been defrauded by them. Anything you can do would be most appreciated. Thank you.

Also, the credit protection on my credit card, required numerous forms to be filled out, and each time the send more forms to be completed with the same information. Then they said that due to lack of pymt on the card, the credit protection on the card would be cancelled.

Of course, we are struggling with debt. But it is rather unnerving the fact that i paid for these services, and when they're needed, the companies give me the run-around! I've paid for numerous forms to be filled out and still no response. Also, there has been a negative impact on my credit. All this could've been prevented if they had just done what they were supposed to do initially.

When I called and spoke to their customer service rep he tried to explain this interest was for the previous month and their statements are always a month behind. He talked down to me acting as if I did not know how credit cards work. I explained that I have many other credit cards and pay them off each month and I never receive statements from the other companies charging me interest after they receive a payment in full. Again he tried to explain it is the way their computer system works. I explained that I was going to payment $2.00 to pay their interest plus additional interest the next month as there would be interest on the $1.62 for this month.

I told their rep that the company seems to need the money to buy a new computer system so they can keep of with other companies that don't charge interest on paid balances. Unfortunately it is these types of businsess transactions that are causing teh problems with consumers and our economy today.

On the web the account is still there with a $3500 balance. They say it is closed and the balance is 0 but the account on their web site says otherwise.

I was not originally with BoA, I started my account 14 years ago with Boatmans Bank in Amarillo, Texas, it was bought out by NationsBank who in turn was bought out by BoA. I've only kept my account with BoA as they have been in most of the locations that I was stationed at with the US Air Force. Now sadly I am ready to change to a local bank so I can actually be closer to my account and anything that could happen with/to it.

Bank of America really messed me over when they stole my money by allowing the usage of my debit card and then charging me the rediculously high charges for something they did. I have been trying to catch up to other payments and just making my usual monthly house upkeep bills all because of what BoA did. How can a financial institute with supposed good customer care practices wring so many people dry with overdraft fees and then sleep well at night knowing what was done.

So they didn't count it towards the right pay period! Anyway, they waived the charges again and I was very careful not to give them their money too soon again. But where they stole from me is while they waived the charges, they still counted it as being late twice. So the rate sky rocketed to 28.99%! Once again, I called several times before they would talk to me about it (and I wasn't yelling or being abusive, I just wanted it settled). They refused to put my rate back to where it was saying they did me a favor by waiving the charges.

All of a sudden they changed their tune and it was not longer their fault. They said the early payments are what gave them the right to steal from me by raising the rate due to Late payments, that were actuall early payments. And because the early payments showed up in the previous pay period, I didnt' even have any documentation to dispute them with. So now, after several years (since I first got the card) in perfect standing, they won't talk to me at all about the rate until I've made 12 months of on-time payments!

When I call to ask about it I get talked down to by their terrible customer service, no doubt just doing what their bosses have trained them to do by treating customers like criminals. Doing business with Bank of America is giving your hard earned money away and destroying your credit. Remember, I'm in debt with a bad credit rating for paying too early! To the employees of B of A, you should be ashamed of yourslelves for working for a company like that.

Increased APR for no valid reason on a $4000.00 plus balance. Poor credit rating because of it.

I have talked to robin,burt,ryan, dan, edith and then amy, she talked down to me and raised her voice quite a few times, I am shocked that any customer service department would not try to hep people, guess they will be next to go with service like this. I went on my small vacation and could not enjoy eating or using my rewards points. This happened to my sister also. neither has been satisfied. I was told they did not have amy e-mail to contact at Bank of America. I may be old but not stupid, please help

Paying them with no light at the end of the tunnel is a reflection of where the US economy is today. Cooporate greed should be controlled

In August, 2008 I paid my balance IN FULL BY THE DUE DATE and in September, 2008, I received a bill for $15.35. When I inquired about this, they said it was my interest due-EVEN THOUGH I PAID MY BALANCE IN FULL!!!

BOA has caused financial damage

Disturbing our place of business, extremely rude behavoir from Larry.

I don't know about everone else but I am paying off this account as soon as possible and am using my other credit card.There are to many other banking facitities out there that treat there customers fairly. Run don't walk away from BOA and there unfair practices.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I will switch credit cards.

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

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

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

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

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

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

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

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

Ruining my credit score.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

loss of money due to interest rates .

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

this leaves me open to id theft.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Do not use Bank of America credit cards!!!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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