Bank of America Credit Cards

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 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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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 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.

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 was left hanging by a supervisor Lew (would not provide his last name) after he promised to get back to me regarding an issue with my BOA AMEX account. He assured me that everything was in place to resolve the matter and that he would get back to me within 24-48 hours. After 3 days, I called him back and he was unavailable. I called back again and left another message for him to call me back, but after a week, no call. I called back another time and had to start all over again with another supervisor, spent 30 minutes on the phone with her in late December. She put me on hold for over 20 minutes and never came back on the line, so I gave up. I called back in January on multiple occasions to try and resolve the matter to no avail. This is absolutely pathetic customer service to a client who started with them in 1992 (over 20 years!). I will never do business with BOA ever again and caution anyone considering opening an account of any kind with them to consider another option.

On Friday, March 2, I asked a Mr. Andre ** to freeze any/all accounts of mine with Bank of America, until further notice. He refused. I asked for a supervisor. After a very long hold, he said he would close them, and send out a new card. When I followed it up today, March 4, a new Bank of America rep told me that no action had been taken. Both accounts are open. Therefore, Andre ** lied, and committed fraud. I want to know the exact name and address of the regulatory authority that will sanction this fraud. I will be contacting attorneys as well, regarding this despicable incident.

Bank of America credit games - Many times of the last several years, BoA has raised credit card rates to absurd levels, reduce limits and closed accounts with zero balances. It's clear they want consumers to fail. By manipulating credit scores, they back you in a corner. I will never do business with BoA. No mortgage, car loans, banking. Nothing! No wonder the occupy crowd hates them so much.

Many times over the last few months I have asked for an increase in my credit limit on two credit cards with BOA. My credit score is above 760+ and I have not had any bad credit reports or delinquency issues. Today, I called and asked to have my Alaska Airlines credit card increased from $6,900 to $10,000. Instead, they wanted to just take $3,100 credit from my other Platinum credit card to make the $10k. I find this ridiculous. I make above $108,000 a year and have $44k in savings with another $30K+ in TSPs. Bank of America has continually failed to help me over the last few years and their unwillingness to help will have resulted in another lost customer. I will be closing down both my credit cards and checking/savings accounts and will be using another financial institution.

Yesterday, I called Bank of America to pay off my credit card. The bill was roughly $4,400. I gave the gentleman my account and routing number, so that they could take it directly from my checking account. I was told the payment was put through, and it would come out in 1 to 2 business days. After paying that bill, I went to pay a simple gas bill. I was told my card was declined for insufficient funds. When I called the bank to inquire, they informed me that my account was overdrawn, by $40,000. It turns out the gentleman who took my payment charged my account way too much. They said they would put a stop payment on it, and not to worry about it, because it would not come out.