Bank of America Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

$39 lost

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

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

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

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

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

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

$39.00 and an excuse to raise my rates.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

they are making very hard to pay my rent buy food

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

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

they are taking extra money from me.

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

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

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

We were charged for something we did not order .

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

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

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

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

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

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

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

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

I had to pay a late fee.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This is ridiculous and a fraudulent way to charge interest.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I am very scared. My credit is being ruined by a company that doesn't really care. Before BofA came into my life, it was under control. Now I have lost that control and the ability to climb out of this mess.

My damages are minute compared to the customers who do not take the time to read this notice or do not understand their right to reject this offer. My damages are limited to the time, materials and cost of a stamp in order to write and send a letter of rejection.

I just contacted them to request status and was told that I had to wait 10 more days because it has not posted from the clearing house. This is obviously not true given my statement shows the credit of the duplicate payment. They are holding my monies hostage to draw the interest and will not return my money to me until after the 27th of this month.

I am down thousands of dollars which I need to pay my other bills!

Unfortunately I threw away the paperwork that I had because I have never had that sort of issue come up with any other credit card company in the past. The interesting thing is that on all previous statements for the past 10 months the interest rate section of the statement shows a 1.99% apr, however I had zero balance in that category.

At the apr rate given I was charged $166 in finance charges. If I could not pay off my balance within a couple of months the finance charges would be horrendous.

I was also advised that the account has an adjustable APR and that they can change the rate at any time, as part of the cardmenber agreement. In my opinion this amounts to nothing more that consumer theft and an extremely poor business practice. No other credit account I have changes the APR, especially without prior notification. After my phone call to them I opened a new Visa account with my own bank (Chase)and had the entire balance transferred to the new account at 0% interest. Even the 3% transfer fee is better than paying MBNA any more money.

Economic damage : having to pay an extra $39 on each credit card (that was waived) on top of a past due amount which I was not past due on. I am hoping there will not be a credit reporting on this. I strive and am proud to say that I am never late on a bill.

When I called BOA, I was told that I was incorrect. Because of something she said, I knew she could see that I had called on 9/1 and gotten the opposite answer from another rep. She said that she would waive the late fee this time out of courtesy. She haughtily told me that I had plenty of notice to pay my bill and should pay it sooner in the future, and repeated that line when I suggested that BOA should program their statements to avoid federal holidays and weekends, when they cannot accept payments.

In reality, my bill was due on 8/31, since the following three days the company couldn't (or wouldn't) receive payments. I would have no problem with an earlier due date in this case. Of course, they won't change this procedure, because they are almost guaranteed a huge bonus from late fees whenever the due dates fall on a holiday. I am paying off the balance to BOA and looking for a better card.

Since June of this year, I have only received one bill from B of A and only because I called for it.

I'm having to pay interest charges I shouldn't have to pay, and am losing the interest I was earning on the money I used to pay off the account.

There doesn't appear to be any fraudulent activity from an outsider, as one card has not even been activated, and the other is activated but has never been used. The guy on the phone said that I must have done it, as they would need all of my info to open the cards, but I know thats not true. This is a concern to me, as I am very careful about maintaining my credit and I like to only have a few avenues of credit. This has to be against the law.

This is ridiculous and completely defeats my purpose of trying to eliminate debt and my monthly obligations by raising the amount I pay each month in interest to Bank of America. Their customer service was no help and they could not or did not even try to resolve this issue.

I immediately called Bank of America --I explained to the Rep that there was an obvious error as I have used automatic draft to pay them for years. In a matter of fact manner she quickly said it was because the due date had moved forward some 5 or 6 days. ...as if it were routine to shift the due dates forward. After some colorful conversation she agreed to take the $29 off as if that were all it would take to make me happy!

I asked to speak to a supervisor as I was curious as to what their explanation was for shifting due dates forward. I carefully listened but still cannot tell you that I knew why. He kindly tells me that if I wanted to avoid future late fees I now would be required to log on to their web site, get into my online account and change my draft date up to coincide with Bank of Americas new unannounced due dates. It was very kind of him to offer advice on the specific actions that I now would have to take.... At that moment I told him to close my account and send me a check for my credit balance on my credit card... And can you believe that he actually wanted to know why I wanted to cancel my card?

The disturbing thought is how many thousands/millions of Bank of America cardholders using autodraft for payments will be duped.

I feel that this behavior is part of an increasing trend whereby credit card companies are gouging customers with petty fees and costs that are disproportional to the offenses. Is there some legislation that could be passed to regulate this industry and prohibit unethical practices such as these?

Fortunately, I was able to pay off my entire balance and will no longer use this card. However, I can see that if I did not have the resources to pay it off, I would have been stuck with an enormous APR and huge difficulty in paying it off.

I never received correspondence from Bank of America or Fleet at all, regarding a change of status or a change in ownership of the account. Upon talking to the fraud department of Bank of America - they were giving all the facts such as my last payment date, address and monetary values to the day and penny, as my Fleet card. Good for me I had retained all my Fleet statements from 2003 that matched the amounts, dates and address as shown on the computer system at Bank of America. All communication from Fleet, showed no indication in the change of the account going to Bank of America. I had been denied a mortgage due to the issue. I am now waiting for Bank of America to pull the original credit application so that I can prove that I never had a Bank of America card.

Then, I will need to send my bankruptcy petition, discharge, credit app, all to Bank of America because Fleet did not properly communicate with me. When I call Fleet, I am automatically told that the number is a non-working number for Bank of America. To me this is a violation of the Fair Credit Reporting Act. All the data for Bank of America on my report should be listed under Fleet, because the origin of the debt and all communications and transactions were made through Fleet.

I attempted to call customer service at BOA and was put through a series of options, none of which included my specific problem. Maggie, the person I communicated with via messaging would not put me in touch with whomever was responsible, but gave me a net address which was unavailable.

I spent close to an hour trying to resolve this problem, could not find a human being or a computer program applicable to my need and was ordered to press 1 for English repeatedly!

I have not been able to purchase the product I wanted, nor obtain any service from BOA.

We supposedly have a banking regulating agency, but I'm sure it is just as inept as is the Bank of America.

I have been a card holder with MBNA Quantum for approximately 10 years, with an excellent? credit rating and a high limit Mastercard. As you know, Bank of America acquired MBNA last year. Throughout my relationship with MBNA I had never had a late payment.

After acquiring MBNA, Bank of America immediately set about tinkering with the terms and conditions of my Mastercard agreement all of which I immediately declined in writing. However, the most disturbing change has occurred just recently when B of A started adjusting my billing cycle date(s).

My monthly bills continued to be received on or about the same time each month, but the due date? was quietly and conveniently moved closer to the date of receipt of the statement and they eliminated any grace period for posting. So unless I pay the bill immediately upon receipt, I am likely to encounter a significant late fee due to possible postal delays. During the past several months I have encountered two unreasonable late fees on my statement because my payments were conveniently posted one or two days after the due date, this after a 10 year history of payments in advance of the due date. When questioning B of A on the matter I was told by customer service in very curt terms that the reverse side of your statement clearly states that; Your Payment Due Date Will Not Fall On The Same Day Each Month and there is no grace period!? Needless to say I immediately cancelled my card account!

In February of 07, I paid the B of A VISA by bank draft before the due date, but the payment posted on a Saturday, missing the business day deadline. My 4% rate jumped straight to 31%, with a $45 late fee!

Now I can't afford to make those payments and pay American Express Business Card that leapt from 12% to 30% in the same month. My monthly credit payments have tripled.

My credit card had unauthorized transactions in which the monies was transferred to my checking accounts and withdrawn from my credit card from out-of-state location. Again they have no idea how it was transferred. Claims were processed for all these unauthorized transactions and completed after approximately 45-60 days later.

They said they can raise my rate without any reason and it was because I've only taken advantage of the tranfer promos. They also said every card does this, which is false. I also received one of those late payment notices in January that jacked up my interest rate and charged a fee. When I called saying I had proof that my online payment was sent and the check was cleared by them 2 days before the due date, they took care of the charge and interest rate immediately.