About Bank of America Credit Cards
Bank of America offers mortgage loans nationwide and has lending specialists available online and at branch locations. If you’re searching for a mortgage loan, loan refinancing or a home equity loan, visit Bank of America’s website to apply.
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I had the same problem twice in a matter of three months. I bought something worth about $5.00 on credit and BofA was the bank this company was using as their credit lender. A month later, I transferred the balance to a different credit card and sent BofA an amount larger than the pay-off was. And about 2 weeks later, BofA refunded me the extra. But then about a week after that, I got a statement from them that I owed them about seven dollars. I ended up sending them that amount. And it just happened again with them. This time it was for a dollar and fifty cents, even though the statement says it was zero dollars on interest. The bottom line showed up as "minimum interest charged: $1.50". I hope they do not do the same next month. I will pay a lawyer a thousand dollars before I give them another penny. Maybe even go bankrupt if I have to.
My card was charged by a business and it was a fraudulent charge. The money should be credited back into my account. It is for $625. I sent in all the documentation but no one will help me. They were just jerking me around over and over again. I was on hold for an hour each time I call. I dealt with the fraud department and was told it would be taken care of. It has been six months and I want my money back on my card. I have a 2 year old and I need this money. This is insane.
This is the second time this has happened to me! I scheduled an online $100 credit card payment on my BOA card. When I looked at my account activity, I saw that they had ran the payment through as a $10,000 payment! My bank charged me two $27 late fees. This is the second time this has happened! The last time, they said no way, no how it was their fault, that I had to have scheduled a $10,000 payment. They don't make mistakes. Well, I didn't schedule a $10,000 payment and I knew it. After a lot of talking, they agreed to give me a partial refund on the fees I was charged.
Looking at my account activity today and again, I see late charges! Huh? Once again, they ran a scheduled $100 payment as $10,000! My balance was under $1,500. This is insanity! I called and the lady took off all the fees and told me they can make a mistake. She said, "I won't lie to you. We can make a mistake." So, I was lied to the last time! Do they do this to people on a regular basis? Make $9,900 mistakes more than once?! Very unprofessional! Very. I am paying off my balance ASAP and closing my account. So angry I could spit nails.
I have been with Bank of America for over 20 years. I have a checking, savings, mortgage, and several credit card accounts with them and I have never missed one payment, not even a late payment. I am constantly receiving balance transfer offers from them and over the last 4 years, I have called twice to take advantage of the said offer. But both times instead of allowing me to take advantage of my pre-approved and solicited (on their part) balance transfer offer, they have instead reduced my credit limits to exactly what I owe.
Now, keep in mind that I am one of their very best customers with an impeccable payment history of over 20 years. Bottom line, B of A has absolutely no customer service skills and they treat all of their customers like dirt. Do not bank here if you want to be treated like a customer. I will be closing out all of my accounts over the next few months! Another unsatisfied B of A customer. At least they are consistently awful.
My BOA credit card was "compromised" according to customer service and new cards with new numbers were issued. The problem is they contacted the Experian and Equifax telling them I lost my card and it became a negative on my credit report. When I called customer service, she told me, "Too bad, there is nothing you can do about it. That's the way it gets reported." A problem with the bank security should not show up on my credit report!
I have been a Bank of America Visa signature cardholder since 2001. Bank of America issued me a new Visa signature card last month, April 2012. On May 19, 2012, I noticed that I could no longer access my Bank of America credit card account online. I do e-billing with my bank and wanted to submit my monthly payment which is due on June 4th, 2012. I was offered an online chat and asked for assistance. I was told that they could not provide an answer to my inquiry and said someone would be in touch with me regarding my account.
I heard nothing from the Bank of America, so I called customer service on 5/22/12. I spoke with two individuals, neither could tell me anything except that I no longer had a credit card account with Bank of America. I was shocked given the fact that I was just issued a new card the previous month. When I asked for more information, they told me none was available. The only information they gave me was a place called SAC and provided me with a phone number, 855-222-2130, which gave only one option to report a lost or stolen credit card - there was no option to speak with a customer service representative. I was not notified that my Bank of America account was being terminated and given to another company. I searched SAC online and finally was able to find a "contact us" link. I sent an inquiry regarding my account. Within fifteen minutes, I received a phone call and an email reply. I was notified that SAC did not have any account information under my name. They advised that I contact Bank of America and inform them.
I called Bank of America back and explained what I had just been told by SAC. I spoke with an additional two individuals and was on hold for approximately 30 minutes throughout the duration of an hour phone call. I was not provided with any information about what banking institution now has my credit card account with a balance of approximately $1000. My payment will be due on 6/4/12, and I do not know who to pay. I do not want to be charged a late fee, nor do I want my credit rating to be negatively impacted by this. I consistently pay my bill on time and in full through e-billing. No one has been able to help me obtain any information that I feel is rightfully mine. I can pay my balance on time, I just do not know who it should be paid to. I have only one credit card and I now feel vulnerable to use it, not knowing what bank is holding my card.
I am requesting any help at all regarding what is going on with my credit card account. I am in good standing and do not want to be delinquent with a payment. I also feel I have the right to know more about the new holder of my account to evaluate any new terms, interest rates, etc. I was not provided any information about the change, as Bank of America provided me with a new card as recently as April 2012. I am thoroughly disappointed in the way that Bank of America was unable to help me and essentially told me to, "Wait it out." Because I have received no information or useful help, I have put my concern in writing to the Bank of America. I have filed a formal complaint with the Better Business Bureau and I have even contacted places I have recently completed financial transactions with to request information, if they could tell what bank holds my credit card. I simply want some information, nothing more. Thank you for your time and any assistance you can provide to me.
I ended up with this debit card through AT&T overcharging me by the amount of $100.00 and so far out of 4 attempts to use this thing (and 2 phone calls), it's only worked once. I suppose AT&T could have sent me a check for the amount but I guess that's just too low tech for them. However, had they sent me a check, I would have simply gone to the bank and cashed it. I wouldn't have to go online or wait on hold to activate it or to check the balance, or have to carry the amount of money on me anyway because of its unreliability, or have a four-page pamphlet with rules and regulations telling me how to use this thing. And my friends wonder why I've never had a credit card and I never will!
I have had a checking/savings account with BOA since 1997. I just recently also opened up a small business account. I have had a credit card with them since 2008 that I have never defaulted on. I went to use my credit card online today and noticed that it had expired at the end of April 2012 and that I didn't have a replacement card. Little did I know that my husband had somehow put it in what we deem as my "junk mail drawer" to go through. Anyway, I called BOA for a replacement card not realizing that I had actually been sent a new one. The customer service rep verified on the phone that my replacement card had been mailed to me back on 2/17/12, but he could see that it had not been activated. He said he was going to send me a replacement card, but needed to "update my personal information", which I thought was kind of strange. He started inquiring as to my current income, place of employment, length of employment, did I have a mortgage, etc. I even asked him what relevance his questions had with issuing me a replacement card and he responded by saying that he was just following procedures and was required to update my information.
Then, he said he would transfer me to another person who would tell me when I could expect my replacement card, which I found to be even stranger yet! When I spoke to this new lady, she asked me how she could help me! I explained to her that according to the man who had just transferred me to her, that "she" was supposed to be the one telling me when I could expect my replacement card. She proceeded to "drill" me, asking me if I planned on paying off my credit card balance. Please keep in mind that I have never defaulted on my credit card in four years, although I have not been able to ever get it down to a zero balance either. I explained to her that I would not be able to pay it off anytime soon and she was asking me the reason(s) behind my current financial situation. This went on and on for about 15 minutes, with her drilling me about my current financial status. Apparently, I had a credit report pulled without my consent or knowledge today and they now deemed me as "not credit worthy", even though they had sent me another card back in February 2012.
The lady actually refused to issue me a new card after having my account in excellent standing with BOA from 2008 to present! I was absolutely flabbergasted at "how" they could do this to me! I even asked the lady to explain to me "why" in February they had sent me a card - what had changed with my credit from February to May 2012? She was totally unable to answer my question satisfactorily. I ended up not speaking too kindly to her, stemming out of my sheer frustration with her not answering my questions, and then ended up hanging up on her. When I did locate my replacement card that I didn't know I had, I tried to activate it; but of course by this time, I get transferred to a live person again! I guess had I found the card in my "junk mail drawer" in the first place and simply activated it, all would be good and I would still have an active credit card account with BOA.
I went into an actual branch and the lady there verified that I now had a "block" placed on my credit card. She tried to be polite, but was not helpful at all. I ended up filing a written complaint with her that she said she would "forward onto their credit card department!” How can BOA seriously do this - just take away a credit card I have faithfully paid on and that has been in good standing for four years? Why was a replacement card issued in February of 2012 and then denied three months later? I opened up a checking account today at a local credit union and as soon as I can, I am moving everything totally over to them.
I became 3 months past due on my account. I caught up the payments and am current on it now. I was going to use the card recently and it was declined. When I called Bank of America, I was told it was closed because my payments had gotten behind. It would have been nice if they had informed me the account was closed when it was done instead of finding out about it when I tried to use it. I'll never deal with BOA again. It was my fault for getting behind, but I should have been notified the account was closed. When I view my account online, there is nothing indicating the account was closed. Bank of America sucks.
Apparently, Bank of America has stopped making their translucent AmEx cards. They have no customer redress/feedback process for it and therefore no way to see what customers want. After I lost my card, I tried to get the exact same replacement (albeit, in such cases, with a new number). This is what is offered on their own website: MyExpression Banking, Colleges and Univs, UMich. And after 5 calls and 3 wrongly issued cards, they finally tell me the product I want is no longer made by them. That took 2 months. Another friend got it only a month before I ordered my replacement on my recommendation because he liked them so much. It’s not only a most irritating ordeal, but it showed that the card sales department/customer center has no clue of what the card printing services does in Arizona and can't even get to their own websites to see what I wanted. At the end of it, they sent me a ** opaque plastic card that doesn't even look as good (the whole reason to get the translucent AmEx in the first place) as the VISA card offered by the same institution.
The whole process of their call center menus needs to be revisited. Every time they transferred me to the “person who can resolve your issue,” I was directed not to a person at the end of the line, but instead to the same menu from which I had only one choice for credit card, resulting in over 4 transfers per call and my issue unresolved. At the end of this, they can't make the card anymore or take feedback! Absolutely useless bank.
I called to inquire about making a balance transfer to one of my CC accounts with BOA. Once I asked what the fee was for the $20,000 balance transfer, I found out it was $600. I told the rep that I did not want to do it. I asked her if it went through and she said "no". I told her I would call back if I was interested in making a balance transfer once I checked my other options. 3 days later, they made the transfer without my authorization. Now they say there's nothing they can do. Very unsatisfied with BOA. My first incident with them was when I lost a home the day before my scheduled closing (less than 24 hours before I was to close, they called me and told me I didn't qualify for the loan). I lost inspection fees, etc. I am shopping for a new bank to do business with.
I scheduled a payment for the outstanding balance of my Bank of America credit card ($4762.60) on Saturday, 4/21. When I checked this morning not only had my payment not been taken out of my "Bank of America" checking account, but also $97.00 in interest had been tacked onto the account. I think it’s a little unfair for someone that wants to pay off his or her credit card, schedule a payment, and two days later get more money tacked on for interest. I don’t care if BOA charges interest per minute or second if I schedule a payment to pay off the card and the funds are available in my checking account. How is it that my checking account and credit card accounts are with the same company, but it takes three days to process when funds are available?
2 months ago, I paid my credit online a day before it was due (Thursday). The payment did not go through for 5 days because Monday was a holiday. I was unable to purchase gas for my car on Tuesday because the card was rejected even though I had over $35,000 in credit left on the card. Last month, I made one time phone payment of $5000, which was never credited to my account even though BOA had removed late charges associated with the $5000 payment. The $5000 payment was made by phone because I had not received notice that it was due. Today, I noticed that a payment of over $3700 was taken out of my checking account, the full balance that was owed, without me ever having made the payment. I called BOA and was informed that it would take up to 10 days for them to investigate the situation and respond to me and that no money can be credited back to my account until the investigation is completed.
On or about April 17, 2012, I received a written notice via the U.S. mail, from Bank of America (BA) advising me that I have their BankAmericard Platinum Visa Credit Card (C/C). Having a previously issued FIA Card Services Credit Card, I immediately contacted the BA’s customer service (CS) and determined that BA had now assumed all of FIA’s credit accounts and that the C/C was a reissued C/C for me, now under Bank of America.
Having not received any new BA C/C, like any responsible adult concerned with possible lost mail and a potential identity takeover/fraud, I then contacted the BA CS and spoke with a Hispanic CS male representative, who advised he would close the BA C/C and send me a new C/C by next Wednesday (04/25/12); but that I could still use the FIA C/C, until I received and activated the new BA C/C. Later that day, I found that the FIA C/C account was also closed.
I then contacted the BA CS for a second time, and was advised by a very nice female rep that she’d overnight the new BA C/C due to the inconvenience. On 4/20/12, having not received any overnight BA C/C, I contacted the BA CS for yet a third time and was advised that overnight C/C shipments cannot be sent to a PO Box, only a physical street address and that my account has only a PO Box.
In speaking with a female BA CS supervisor, I was advised that she’d provide feedback to the previous CS reps and that the earliest I could receive a new BA C/C is next Tuesday, via overnight shipment. In the meantime, I’m without any credit card and I’ll be out of the area next week attending a conference. Is this any way to treat a new customer? I wouldn't recommend anyone to do business with these idiots for the sake of your credit rating, sanity, and peace of mind. I have also written letters with this information to my congressmen and filed a BBB complaint.
After making deposits to my credit card account for the amount of $41,200.00 and another for $450.00 cash from my loan that I received from my life insurance policies to pay another bill within the amount of $733.84, they, the Bank of America credit card took the money that I deposited to make this payment and paid their selves with it without my knowledge. And then, they decreased my amount of credit limit, which was a $2,000.00 limit down to an $800.00 credit limit. Now, I am stuck with still owing the $733.84 debt that I was going to pay with it.
Talk about your scams! This is one(!), to say the least. I have just closed this account, still owing on the Credit Card over $500.00; and it will be a cold day in hell when they get paid.
I will also be closing my Bank of America checking account as well, for which I have been a loyal account holder since the 1990's. And my wife has a savings account there that she will be closing as well. This bank is a ripoff, and I would discourage anyone planning on opening an account of any kind with them to be aware. Bank of America should be named "Bank of We'll Do with Your Money, Whatever Hell We Want To." And yes! I would like to hear from and be advised by an attorney right away.
In October 2011, Bank of America changed the address electronic statements were sent from. Because Bank of America did not notify me of this change, their statements went to my spam folder. Since I did not receive bills, they went unpaid. In January, I received a letter stating my account was past due. I promptly overpaid the balance due to cover any fees and interest. My credit balance is approximately $28, which I have requested be refunded to me.
My dispute is that the reason bills were unpaid is because Bank of America failed to notify me to add their new email address to my contacts. I have received a similar notice of address change from Bealls and Domestications. This leads me to believe that if the address change notification is not required by law, it is routinely done by other companies. In addition, for the past year or so, I rarely used my Bank of America credit card and therefore did not notice bills were not received.
Bank of America has cancelled my credit card and refused to issue a new one. I have been a customer for many years and never had a problem. I even charged my son's 4 years of college tuition and keep my account balance up-to-date.
The reason my account was in arrears is due to Bank of America not notifying me that their statements would be sent from a different address. I am very disappointed with Bank of America. This is not the way to treat a long term loyal customer.
Bank of America had 2 internal leaks of my account info, so they had to re-issue our credit card. They thought there was another breach, so they re-issued another card. For some reason, they re-issued our 4th card this year. After talking to 5 different reps, I was not able to set up my new account. Finally, after 75 minutes, I told them I was leaving; and I went to Chase.
I am already a BOA checking customer and pretty much used to online banking. They are offering me $100 bonus on spending $500 within 90 days if I open a credit card, BankAmericard cash back. So looking that I went to BOA branch on Saturday and explained that I want to apply for the cash back credit card offer online with $100 promotion, it got approved and I have received the card already. Now customer care is saying $100 is online applying promotion. The branch is also saying the same now. This is just a case of misguiding customer and fooling them. BOA is cheating customer so that they would apply and cannot cancel the credit card due to credit card score will get impacted. Everybody, please be aware of such scam and advise me if you have already faced similar issue. Who to contact and complain to get what I am entitled to?
The good news is that B of A Fraud detected real fraud on Thursday, April 5. Things went south from there. They committed to having a new card in my hand by Saturday, April 7 via FedEx. Nothing on Saturday and now nothing on Monday, April 9 end of day. Worse, it took me 24 minutes to get anybody on the phone tonight, who then disconnected and did not call me back. So I called premier banking (since I'm a member) and it took that guy 20 minutes to advise that the card will be sent tomorrow, 4/10 to arrive on 4/11. But I leave on a business trip so I'll be without a credit card. I'm seriously considering taking all of my B of A business to another institution who can do the basics.
I made an online payment today on one of my four Band of America credit cards, noticed available limit was much less than established limit. I called Band of America Credit Card Services to find out what the issue was. I talked with a credit counselor who, when asked said it was a credit decision and since I carry such high balances, it put them at risk! I asked about my other 3 credit card accounts and all of them have reduced limits, without any warning, nothing. One of these cards had a $30.000 credit limit with a $7,800 balance. They have reduced that limit to $8,400. The other 2 cards had much smaller balances but were treated the say way, just a few dollars of available credit above my balances!
I am a 65 year old single woman with a long term job, reasonable income, a current mortgage on a home I have been paying on for over 17 years, a current Auto Loan and in 30 years of credit reporting, I have never miss a payment of any kind, period. I am through with this company. I will never use them for any reason.
I realized a year ago that interest rates went up. I have paid thousands of interest at 19.99--BMO gives me 12.9, Visa offers me 8.9 but MBNA doesn't care. Their customer service is horrible. When I called to try to work things out with them, I was told that the interest is not the problem, it's my spending. Last period, my payments were a thousand over charges. I don't need condescending remarks. I can't wait to cut my card into 100 pieces then call Visa for a great rate. I will pay my minimum payments but I will take this matter as far as I can. I called a few months ago to complain and I was told that you would match the 12.9, which did not happen--notes, all of a sudden, disappeared. Now, my goal is simple: to make Canada know how out of line MBNA is.
I cancelled a Visa Check Card and Bank of America did not cancel it. So, a recurring charge from Skype was paid causing my account to be over drafted. And it seems that the PrivacySource is only charged when it will over draw my account. When I called again and told them that I had cancelled that card, they said sorry, it wasn't cancelled and let the charge go through, and better yet I got charged twice, crazy. I need this to be fixed. What is PrivacySource for if not to settle disputes like this one?
I’m trying to get my house refinanced to a lower interest rate. I have hired a law firm to help me repair my credit. I have always had good credit until my wife passed away then I had late payments come in that month. I have been current since then. I was told by the law firm to cut what was owed in half on credit cards. I made large payments towards the balances on all credit cards.
Then Bank of America started whacking my limits which affects me again They say payment history is excellent but my credit score and other account payment history gave them no choice but to cut my limits on credit cards. This is like saying you mowed my lawn but didn’t mow the old lady down the streets so I’m not paying you for what you did for me, I’m going to punish you.
I went to the BoA credit card website Saturday, March 10th, to schedule a payment of $4,000 to pay for a recent purchase, scheduled to be processed on Wed, March 11th. However, what had happened was they took $4,000 the following business day, Monday, March 12th and again on Wed, March 14th; withdrawing $8,000 from my checking account. Luckily, my husband noticed this on Sat, March 17th.
I called BoA and was told I need my $4,000 back since their online bill pay option is haywire. Brady gave me a party line of 7-10 days. I called on Monday and asked straight for a supervisor. Marjorie reiterated 7 days but would put a "rush" on it for me. She also suggested I take a cash advance from BoA and they would graciously waive the fees associated. I called again today to speak with someone higher up. Ms. **, although understanding, could only suggest the cash advance as well.
My question is how am I supposed to pay my bills when they have removed $8,000 total from my account, $4,000 in error? I am working class, 4 kids. The only reason that kind of money was even there to begin with was I'd just gotten paid and my tax refund deposited. Now I'm at $176 total! I don't give a rat's behind about whats and whys, put my money back! Funny, they can take it, but can't put it back without an act of congress. I suggested to Ms. ** that fine, they could pay my mortgage payment coming up, since BoA owns that too!
Song and dance, I will work to change my mortgage company now, and get rid of my Bank of America card, which I am member since 2000. Now, I get to inconvenience myself, get off work early, so I can go to the bank and have them borrow money from the same people that took my money in the first place. Amazing demonstration in ineptitude!
Decreased Credit Limit: I had a BOA credit card for over 5 years. My credit limit was $14,500. I never had a late payment and always made the minimum payment and sometimes paid more than the minimum payment due. I had a family emergency and was going to use some of the money from the BOA credit card to pay for some things once I got back to my home. They cut my credit limit to $9,000 without warning and increased my interest rate for no reason at all. They did not let me know. I had a FICO of over 700 at the time and this decrease in my credit limit had a domino effect on other bills that I paid monthly.
This company is not dependable and does not reward customer loyalty. I will do as little banking with them as possible and I will tell everyone I know about their business practices. This is when everything went downhill for me. I wish that something could be done to stop their insane practices
I got a 0% introductory credit card with a $5,000.00 dollar limit in August of 2011. While I was deciding which debts to consolidate, I got a call from someone claiming to be from Bank of America to see how satisfied I was with the card. I informed them that I hadn't used the card yet and was still trying to decide how. The person told me that I should just transfer whatever money I needed from the card directly to my checking account informing me that it would still fall under my 0% introductory plan. I was pleasantly surprised to hear this and thought it similar to something I had done with Discover in the past, where they give you checks and you just fill one out and deposit it into your own account then use the money to pay whatever debt you have. I followed this person's advice and transferred the money.
6 months later, I went to pay off my card when I find over $500 in interest charges. I had been charged 24% interest on a cash advance for the entire time! When I called to get clarification, I was treated disrespectfully by the customer service representative and told I should have paid more attention. When I expressed my dissatisfaction and stated I'd like to be transferred to the cancellation department, I was made to feel devalued as a customer. I understand the responsibility falls on me but I wanted to know why they would have given me such advice in the first place.
I was told the person who called me was not from Bank of America but instead a 3rd party company who calls new customers to gauge satisfaction. I asked how to contact this 3rd party and was told they did not know who it was. I asked for a supervisor and was also told they did not know who it was but that they would attempt to find out and get back to me. They never did. It is ridiculous to think that Bank of America has a 3rd party company calling their customers and they don't know who it is. And on top of that, this 3rd party company is representing themselves as Bank of America then giving customers bad advice about accounts they know nothing of.
On March 02, 2012, I called the customer service department at the Bank of America Visa card. I notified them of my intent to travel to Argentina, Brazil and Chile for our organization. I informed Ginger that since I was close to my limit of $8,900 on the Bank of America Platinum Plus Visa, I wanted to pay down the amount such that it would give me availability to $3,000 on the card to pay for travel expenses in the above countries. I was told that that would be possible. I proceeded to tell Ginger that I was afraid that my credit limit might be decreased during my travels and that I wouldn't have access to the funds. Ginger informed me that that would not be a problem and took my payment information over the phone and posted it to my account.
I left the US on May 06, 2012 and traveled to Argentina. On March 10, 2012, I went out to dinner and I attempted to pay with the Bank of America credit card and it was denied due to insufficient funds. I emailed and called the company when I returned to the hotel and was asked to submit information for a legal authorization to increase my credit line. Please note that it had been decreased from $8,900 to $5,900 contrary to what I had been informed so I was requesting that it be kept the same per our understanding by phone. I was subsequently declined for the credit increase over the phone since I have been behind on mortgage payments and also on other accounts (not Bank of America accounts).
I received the same reply that several of the people complaining on this site have mentioned, notably that I was a valued customer but they couldn't do anything for me. I explained that I was desperate since per my explanation to customer service when I paid the $3,000 was that the Bank of America Visa card was the only card that I would be carrying with me on this trip. They insisted they could do nothing for me and now I am desperate since I do not have the funds to pay for my lodging expenses. I have been forced to call my family and friends to see if someone can front me the money since I could not settle things from here.
I have suffered a heart attack before and my blood pressure has been off the charts due to the mental anguish and aggravation that this sad episode has caused. I don't know what do to now! I would urge any potential Bank of America customers to seriously reconsider their business decision given my bitter experience in what I felt was malicious and deliberate attempt to misinform me. I cannot see it any other way. I am not a malcontent and I acknowledge that I am behind on my mortgage payments but as I had indicated to Ginger, I would not have used the Bank of America credit card for travel if I had felt that there was the slightest possibility of a credit line decrease. I would have pursued a debit card option and now I feel that I was mislead purposely.
I called BOA today to ask for a convenience check for my credit card. I have almost $6000 open on my account and perhaps may need $500 in the next month. After spending a long time on hold, I was declined. Later that day, I tried to use my credit card and it was declined. When I contacted BOA, I was told it was because I was a credit risk. This is strange since I've been a customer for years and have been using my BOA card as my primary card for a long time. I've never missed a payment or even been late. In fact, they thanked me on the phone for making on time payments. I've been making massive over payments for well over a year. BOA loved my business when it was in their favor, but now that I need their help, I get my nose slapped and the door shut in my face. Thanks a lot, BOA.
My mother opened a credit card account with BofA in 1969. She passed away last year with a card balance of about $3,000. Now, BofA claims that I was a 'co-applicant' on this account and therefore, owe the money. This is false. I was a minor at the time she opened this account and never, at any time agreed to be a co-applicant. She did make me a 2nd cardholder/authorized user several years ago, but this does not make me liable for her debt under California law.
Now, BofA has reported me to the credit bureaus as a non-payer (150 days past due) and therefore has damaged my credit! This is infuriating... it's not my credit card! BofA has dinged my credit 125 points because of this, which has caused my own bank (Chase) to withdraw my equity line of credit. This is wrong and completely unfair. I want my mother's debt to be written off and my excellent credit status to be restored. BofA is attempting to extort money from me, as far as I'm concerned.
Tonight, I called customer service, I was answered by Max. I explained the following to Max: I have a statement due on 3/9, it is showing an interest charge of $325.80. However, I paid in full the 2/9 statement. The 2/9 statement had a $315.30 interest charge because I was 8 days late on my 1/9 payment, which had a total balance of $16.12. On 1/17, I paid $16.12 and an additional $39.00 (assumed late fee charge) for a total of $ 51.12. I did not question the 2/9 billing and I paid it in full including the $315.30 without argument. However, to be charged another $325.80 based on a late payment of $16.12 from 1/9 is a little extreme. Max read a script about interest, finance, etc. At no time did Max ask what I thought the solution should be. He just kept saying the same thing over and over. In fact, he did finally say that when I made the $51.12 on 1/17, I would have needed to pay the 2/9 statement balance to avoid any fees.
I told him I went to the bank with the statement BoA sent me. I made a payment, the tellers didn't say anything and Max said, "well they wouldn't, they are just accepting payment". I asked to speak to a supervisor and at first, he refused. He also refused to provide me with his last name or employee ID. When I stated to him, "so you are refusing to allow me to talk to a supervisor?", he said "there isn't one here". I again stated, "so you are refusing to allow me to talk to a supervisor as well as refusing me your ID number or last name?". He then said, "let me see if I can find one". Ten minutes later, Jeff got on the phone and identified himself as a floor supervisor. He continued to tell me about his conversation with Max and then reiterated what Max said. I advised him, "I don't need you to tell me the same thing that Max did, I understand what he said". I explained my side once again and Jeff then decided to read the script again.
I cut him off and advised him he already said that. His response in an elevated voice was, "if you're not going to listen to what I have to say, then the interest charges are valid". I immediately asked for his employee ID and he refused. I asked for his last name and he refused. I again asked him for his employee ID and last name. He said he doesn't give that information out. I said, "well I need it for when I contact the dispute center". He finally said, "my last name starts with a W and that's all I will give you". At no point did Max or Jeff ask me what I thought was a valid resolution and I highly doubt Jeff was a supervisor by his responses. This call was tonight at 7:48 PST. We spend a lot of money through you. BoA is getting good money in processing fees, we have never defaulted and 98% of the time, we pay in full and on time.
The service I received tonight was horrible and someone at BoA should be disgusted with their team. I am disputing the interest of $325.80. I understand it's a computer that does all the calculations, but it is a human who can read between the lines and see that we made good, we were not in default and a $315.30 interest charge on a $16.12 late payment was ample, if not excessive. I am not arguing the 2/9, I accept I missed the payment. I attempted to pay the late fee, I also paid the 2/9 statement in full and on time without argument. Computers can't see that, humans can and the two humans I spoke with tonight are inept at their jobs and should not be in customer service.
Bank of America Credit Cards Company Information
- Company Name:
- Bank of America
- Company Type:
- Ticker Symbol:
- Year Founded:
- 100 North Tryon St
- Postal Code:
- United States
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