Bank of America Credit Cards Reviews

Drove from Oregon to Los Angeles. Credit card worked fine along the way. After 5 days, used the card to purchase gas. Card was blocked by B of A. Had to call them up. They blocked it because I was out of my 'local' area and I failed to tell them I was traveling. This was a big inconvenience. Had to navigate their voice mail jail to get to a person. They tried several times to unblock the account. Succeeded. They have no business demanding to know where I am. They have no business blocking the card to 'protect me from fraud.' They have no business telling me that I need to log onto a computer before I travel and tell them, or, to pick up the phone and call them before I travel. They told me if I left the state, my card would be blocked.

I mistakenly made over $2000 to my business visa credit card. I requested the credit back. It's been 3 weeks and 7 calls and still the money hasn't been wire transferred to my bank account. Worst customer service ever!

This morning I received an email from Bank of America explaining that my card was blocked and another one was sent to my address. Well!! After reading that, I called customer service to ask what happened, why the card was blocked without even try to contact me. This was my first call, so the agent answer and told me that the card was compromised and that's why they did that. The funny part is that they don't have any info about it of how that happened. So, I accept the explanation and ask for a supervisor. I just wanted to make sure my card and my wife's card will work while I'm in my business trip. After I talk to the supervisor he warranty that my card will not be declined, so like a fool I believe, spending 30' of my time (20' in hold).

I have held a BOA checking, savings and credit account for almost a decade. However, I have not used my credit card for some time and it expired in February 2015, so if I even wanted to use it, I wouldn't be able to. I paid off the full balance in early April, yet was then charged an annual "maintenance fee." Unfortunately I didn't see this fee and have now been charged two months interest on the $59 fee. When I rang customer service to dispute this fee, they argued that there was nothing they could do even though they verified that no credit card has been activated or "active" for this account since February 2015.

We had some fraudulent charges hit our credit card the last few months that we weren't aware of. I noticed the day before the balance was due, and immediately set up a payment for twice the amount. We have always paid our full balance, and early. Since it was the weekend it didn't post until the Monday, the 22nd. Common thing, and thought it would easily be resolved with a phone call. Boy was I wrong! An unsympathetic operator finally connected us to her unhelpful manager after saying there was no way to remove the late fee charge, which amounted to about 95%.

Prior to the closing of my June statement I made a payment by bank transfer and had a credit amount due to the fact I would have charges coming in after statement closing and I did not want to have a balance owing on my month end statement. Two days before closing the entire credit balance was debited leaving a statement the had a amount now due. I had done this same thing for many months and never had any issues. When I saw the debit I called to see what had happened. Customer Service Representative (CSR) on June 2 said "New Policy" no credit balances allowed. She said a check was issued to remove credit balance.You should see check in 3 - 5 days.

Over the past 20 years with them, I have noticed every time I made a legitimate complaint about all the same things others have mentioned above about BofA, they have either jacked up my interest rate to the max and/or cut my credit limit. Without late payments and EVEN WITH A STEADILY RISING CREDIT SCORE. As far as I am concerned BANK OF AMERICA IS OWNED AND OPERATED BY GREEDY & RUTHLESS & EXPLOITATIVE MAFIA THUGS!!! I made the mistake of complaining about online access to my Bankcard cash backup to checking card online, so I could make my own cash transfers.

I have had a Bank of America credit card and always paid my bill on time. After awhile I went through a divorce and had to start over again. After a while BOA stopped sending me statements in the mail so I called them and they said that they could offer me a payment arrangement. They'd send the information in the mail. After two weeks and still no mail I called and was told that they couldn't offer me that after all. They said they'd send me different papers in the mail. Never got them.

Just received a letter from Bank of America that my credit was being decreased from $8500 to $500. I just made a payment in full of more than $8000, have never had late payments and they decided to drop my credit drastically!!! Well Bank of America I don't need you!!! I will just take my business elsewhere!

I will no longer be using your credit card. The way Bank of America conducts business has been a horrible experience. When AOPA had the card with MBNA everything ran smooth. Ever since BOA has taken over this credit card service has continued down hill. Almost every other month BOA will block the card because their system can't figure out I travel for a living and use the card at multiple gas stations in different states. At least twice a year they send me a new card with a new account number and say to destroy the old card because it might have been compromised.

America; Stay away from this bank. B of A has terrible service. They do NOT care at all what your situation is. Even if you have already balance your card to $0, they will mail you extra charges from nowhere. Unfortunately they will damage your credit. Cut your B of A cc, and/or if you have an account with them; cancel it. Open another one with another bank.

It's memorial day week end. I made several purchases at businesses within 50 miles of my home. This apparently triggered an alert on my BOA credit card. I received an email stating that "out-of-pattern activity" took place on my account. My card is being replaced. Why don't they contact me first? A new one will arrive in the mail. Last year my wife and I drove to Maine on vacation. At 11:00PM on the way home we stopped at a gas station about 5 miles from my home. The tank was completely empty. We couldn't use our card because it was canceled due to "out-of-pattern activity". We are in our 60s and were had to walk home.

Working on my credit score to buy a house. Attempted to make payment by phone for $ 4,000 towards credit card, twice. Payments were returned, because supposedly didn't give full account # by phone. For the records, the only option by phone is to answer yes or no to question "do you want to use account # ending with **". There was a glitch in system and I repeated it, I forgot how many times to how many agents, in vain! I received (2) letters for each attempt stating that payment was returned and they are reviewing my account. When I talked to agents, they told me not to worry about those letters.

I applied for the Bank of Americard Travel Rewards credit card about a month prior to leaving for my backpacking trip in Iceland. I was approved last Monday and called to confirm I would have the card prior to leaving country. When I went to log back in, the woman who had been dealing with the account had deleted it. I called to see what had happened and all they could do was transfer me around to different departments. They didn't own up to deleting my account and misplacing the credit card I was supposed to receive even after showing documents I had received stating my account ID and approval. I got transferred over 12 times, then asked to speak to a supervisor, and they were of no help either. I was put on hold multiple times and no one was able to take care of the problem.

I have been a loyal customer for at least the past 10 years. Do NOT take advantage of their 0% interest and assume you can make online payments. For the past 6 months they have tinkered with my account making it impossible to pay on time online. I am sure this is a new scam to lure in customers. After hours of calls to customer service they do you a favor at "no charge" and take payments through online chats or via phone. I still have 10 months for "no interest" and for past 5 months it is increasingly difficult to pay as I have been able to easily do the last 10 years. I am sure they are directing their IT staff to make an "enhancement" that favors them, collecting more money and this is a new tactic all banks will be taking to stick it to the consumer to ensure they collect those high interest and late payment fees.

My husband became ill with a serious illness, and I was concerned that perhaps the credit card was only in his name. We had shared a credit card for many many years. He called Bank of America and perhaps he was not explicit enough in how he asked the question, but he was reassured, and reassured me that I would still be allowed to use the account in the event that he died. A month and a half after he died I called the company to check on a transaction that I did not recognize, I mentioned that he had died, so they quickly closed the account that we had shared for probably 15 years. (I had been paying the balance after he died.) They told me I could apply for a new card, which I did, but was denied. Reportedly I will find out why in 7-10 days.

Bank of America is a joke of a banking establishment! We have been with them for over a decade and never missed a payment. We frequently use our credit cards with them and actually keep fairly high balances with them also. Twice we have taken our tax return and made large payments toward the card, only to find out that within 30 days of these payments they have lowered our available credit to the new balance amount (making our cards maxed out)! Last month we paid off the card. And I went on today to make sure there was no residual interest or anything due for this month, only to find out that THEY decided to close our card!!! No notice... no reason!

There were a fraudulent charge on my credit card. So I called and they cancel it and sent me the new one with new account number! At the same time I have a 3,172 dollars credit refund to the old account that has been cancel!! It's been a month and the credit still not transfer to my new credit card account. So I'm stuck of paying the whole balance in the new card while I still have the 3,172 dollar in the old card that no one in the BoA department know how to transfer or roll it over! They blame to the system upgrade and promised the money will be roll over. But so far nothing happen and I'm very upset and disappointed!! I will cancel all my Bank of America credit cards after this resulted. As for now they still don't have any ideas how long it will take for my credit refund will be there in my new account!!

Bank of America went through a software upgrade that "broke" the link between account numbers. A $300 credit was issued to my account and because my credit card number changed (they did it due to fraud), they cannot move the credit to my account. 5 weeks - three phone calls and they are still "working on it". Imagine all the interest they are earning on all of the $'s they cannot refund???

I recently decided to pay down my balance on my Platinum Bank of America Visa credit card that I've had since 2007. My available credit line was $3,500 and I had carried a balance on it for years that I was slowly paying off. I decided to make a $1,500 payment reducing what was owed on the card down to less than $800. Guess what happened? The very next day Bank of America did a "Periodic review of my credit" and decided to reduce my credit line down to $800!!! What's worse is they didn't even notify me!

On April 1st, 2015 fraudulent activity was detected on my bofa credit card that I have held since 2001. Bofa contacted me by email that they detected a charge that may be fraudulent. When I told them it wasn't mine they closed the account. They told me they were sending a new card in the next 7-9 business days however it actually took 11 days to finally get the new card. The first week of April, my family stayed in Vacation Rental By Owner home in Santa Barbara for a week. The home was paid for with my credit card several months ago as well as the $500 damage deposit.

I called in to get him on my account as a vendor promised a service that he did not meet. This rep. her name was ** was extremely rude since the card for over six months old and completely unhelpful and unaware of the policy of dispute. I asked to speak with a supervisor ** who explained to me the process. However I wish they had a survey at the end of the call or an email address where I could inform them of trained rep. having lack of knowledge of the policies and procedures and being rude.

The people on phone do their best and are friendly, but when the replacement card doesn't arrive for almost a month when I have a locked mailbox and have contacted them 3 times, it is time to complain to ConsumerAffairs. I was told by the 2nd person that it would be overnight, but since it was a weekend it would be Monday. Well, it’s Tuesday now and my 3rd call was made. She said it will be 7-10 days. You be the judge. My 1st attempt to replace card was March 30th. My third attempt to get a card here to my house is today April 21. My husband had a bad charge on his American Express and they replaced it and sent it overnight. Never was his service disrupted. Good for your American Express, 5 stars for service!

My daughter had credit card fraud and therefore had her card cancelled. She is now on a month with no replacement card. She is a student abroad without any way to access any money. Five requests have been made and each time the card never shows up. Each time I call the agent says "the previous agent must not have made the request" and they says "it's a simple process". I don't seem to have a way to get anything more to happen other than to keep calling. This is beyond frustrating to have a child in a foreign country and no way to get any money.

BOA is one of the crappiest banks available. I've had my account(s) with them (checking, savings, credit cards, a mortgage, etc.) for YEARS. Today, they tell me they're "reducing a credit limit on one of my cards" as my FICO score dropped some. My accounts with BOA have ALWAYS been exemplary. When I called them to discuss I was told that they could do NOTHING for me as their computers make those choices. What ever happened to loyalty to a company being rewarded back to its customer. They were rude and wouldn't even discuss with me and finally passed me off to the eternal hold which I waited on forever until someone came on only to tell me the same thing. I have no more good things to say about this bank. Customer service is DEFINITELY not their strong point.

I have their credit card for a few month now and I thought I was in good hand until I have a dispute in one of my transactions. I immediately contacted the credit card company to submit my claim and told me they were going to look into it. I waited for 3 month until I obtained a letter from them saying that they could not recover the money I spent with a merchant. I can believe that a company this big is protecting big companies while their client suffer. I destroyed this credit card and I will never do business with Bank of America nor any of affiliated members.

I ordered a cream online with a test period to try it. I received the cream after the test period was over. I returned it immediately. The company Ayurda Skin Care acknowledges receiving the cream, has it there I do not. I cancelled my "membership". BankAmericard refunded the charge of $139.00 with 2 formal letters. Months later the credit card recharged my account without telling me. We had a 3 way call where they say they have the creme but are charging me anyway. BankAmericard Rewards MasterCard refuses to hear me.

I paid my statement before the due date via electronic payment. It was returned 5 days later because I accidentally chose an account with insufficient funds - this is my mistake. The upset is due to: Lack of correspondence- I was never informed that my payment was not received. A CSR told me they do not send notifications regarding these types of non-payments. Obviously, they make more $ in late fees and returned payments this way. Lack of fairness- I attempted to make my payment before it was due. It took them 5 days to return the payment - now the due date has passed, ensuring I would be paying interest, as well as a late fee and returned payment fee. I made the earnest attempt to pay on time, but this did not matter to them.

I have had a BOA credit card for several years. I got it to collect American Airlines frequent flier miles -- signed up on a trip. For years, my credit on that card was pristine. I handed the bill-paying duties over to my husband one month, and due to a miscommunication, we had a late payment. Prior to that, my BOA credit card interest rate was reasonable and competitive, and the interest rate data was easy to locate on my online profile for BOA. After my late payment, my interest rate increased to 29.99% without notice, was listed as a "penalty" interest rate. The data on my interest rate was buried on the site, and difficult to locate. I was a good customer and did not even get a phone call, a text, an email, or a mailing to inform me of this interest-rate hike.

I made my Feb payment then the teller applied it to my credit card. l went to the bank and spent about a hour or so. The bank manager said "it would be OK". The next day it was not. I went back, they said "it would be OK" they would call me. They did not. They also opens a impound acc. There is so much more to that, don't know what to do?

I contacted BofA regarding changing the due date on my account, Last month. However, the rep failed to mention it would take 2 billing cycles to change. The month prior to this call, I called BofA and the rep told me I wasn't allowed to change my due date. Today I called and asked to file a second complaint. BofA refuses to credit me the late fee, I did not make the mistake here.

Bank of America is a bank that execute deceptive policies. They preys on the vulnerable citizens. I paid my credit card payment two days early. Even though the receipt states for next payment month, they put my payment towards the last month.

BofA just closed my credit card for no reason and no notice. Ok it's fine. All I need is my cash back credit back to my card before I pay off the remaining balance. I owe them $2100 and they owe me $550 on cash back. So the last statement I only paid minimum payment and wait for new statement with my reward credit back in there. Meanwhile I called them and told them that I need my cash back redeem and they said ok. Last 3 day I'd received a statement with no cash back redeem, so I called them again about 5 time and every time I discuss my problem and they transferred me around then end up with hung up or voice mail. Only the last person I spoke with I did not let her know that I'm recording the conversation then she told me once the account closed I will lose all that money and she couldn't do anything for me. Now I don't know what to do. Should I pay them off without my cash back redeem? Any suggestion? Please help. Thank you.

I tried speaking out as clean as possible and yet I heard "I didn't get that." Last month, I tried making a payment through the automated system when the car was in motion, but could not get it done because the automated system responded to the smallest bumps. B of A did not improve their automated system, they just made it worse.

I been having credit card of this bank for more than 10+years. All of the sudden they cancel my card & the reason they told me that they send me letter to know which country citizenship I am holding & I did not provide that information, even though I had bank accounts with this company. This poor company also owe me .60cents credit on my credit card and I wish one of the employee get that .60cent raise.

I had an MBNA card in 2003 I got a divorce. I owed MBNA maybe $3,000.00 by 2006 and the account was closed, I was not able to pay much on the card. But I paid as much as I could. One day I received a letter from an attorney in Fort Laurderdale saying my account was turned over for collections. He offered me a settlement of 50% to close the account and update my credit. I borrowed the money from my parents and Paid the 1,763.55 to settle the outstanding balance. The attorney sent me a letter dated 11-07-2006 showing I had Paid in Full the Balance to MBNA and that the final payment was received in their office on 10-27-2006.

Wow -- these reviews are bad --- maybe I should just cancel all of my BofA credit cards as I have over 6. One of the problems is that I don't know how I got that many. I am wondering if there is fraud involved on their part, as they cancel my cards every so often (or I ask for cancellations due to misuse) and then I wonder if I am paying for amounts that go to old charges? (as noted in some other comments.) This would be very fraudulent. But I wouldn't put it past them.

After going to a B of America branch to make a transaction, the local branch manager approached me and asked if I was interested in the B. Of Amer. Travel Rewards. He sold it that after 90 days and $500 in purchases that I would get 10,000 points and 1.5 points for every $1 spent. Almost 6 months later the points has not been added to my account. When I call to inquire, I am being told they will have to submit some research document to find out why it was not added. That it will take up 2 weeks and "IF" there is no problem they will add my points. There were stipulations, I even read my credit card policy and there was nothing stating that it had to be certain kind of purchases etc. It simply states, $500 purchase in the first 90 days and get 10,000 points. So for all those that got this card, check your point statements to ensure you got your points.

My card wouldn't work a mile from my house at a gas station I frequent regularly. That's fine, I call to get it turned back on (it's about 4 pm at this point). I wait for 35 minutes on hold and talk to the fraud dept. What they ask was odd... What is your driver's license number and employer? First I ask how they would be able to verify as I never supplied that information to them to begin with. I got a few different responses based on who I talked to (I talked to multiple people in that dept). The guy says a third party provides that information to them. So they steal my information and use that to verify my card.

I paid my Credit card off in full $28,000 in Dixon CA over 25 days ago and BofA still has it all messed up. Said my Cashiers check from Chase Bank was no good and I withdrew $28,000 from the ATM in Dixon yesterday so now owe of $56,000 and over draw charges. Not able to get problem corrected over the phone after days and hours of talking with every type of employee in many departments. Withdrawal limit in BofA ATMS is $500 dollars so how could I get $28,000 from an ATM?

Very unprofessional and indifferent customer service representatives. After transferring me to 5 different departments, they still were unable to come up with a decent response why their system dropped me from autopay, which is affecting my credit.

On January 20, I went to my branch in Boulder City to pay off my credit card. I handed them my BOA debit card and told them to pay off my BOA credit card. The lady took my cards, swiped them, and paid off my credit card. I then told her that I would like to withdraw all of my remaining cash from my checking account. I told her to leave $100 in the account. She proceeded to tell me that they didn't have enough money on hand to cash out my checking account. She then directed me to another branch a few miles down the road. Okay... a bank doesn't have money on hand? Really? My account was under $10K. So, off I go to the other branch. Upon arrival to the other branch, I proceed to tell them the same thing. I would like all of my funds from my checking. Leave $100 in the account. Not a problem. Here's the cash you requested. Have a nice day.

I have now submitted one verbal complaint, and one written complaint regarding two fraudulent charges on my BoA credit card. I noticed two unauthorized charges and immediately called BoA. These charges were incurred in Connecticut, and as I explained to the representative - I live in California, have never been to Connecticut, and was in California for the entire period during which the fraudulent charges occurred. For one of the fraudulent transactions, I even had another charge on the card in California on the same day. I was told that the charges would be reversed.

I have had a Bank of America Credit Card for almost 10 years. I have consistently paid over the amount due each month. At times I will use the card a lot, and at times my balance has dwindled to nothing. I got married last year and charged quite a bit on the card. We also replaced the carpet in the house and used credit from the Carpet Retailer. They give you enough credit to cover the cost of the carpet. However, this increases your debt ratio. I continued to make payments over what was the minimum required and have not had any late payments. As a "Thank You" from Bank of America, they decreased my balance ($4,000) to the amount owed on the account. So, now with two limits at the max, my credit score has plummeted.

If you have a Bank of America Visa card and use the card in a foreign country, be aware. BofA's conversion rate has an embedded Foreign Transaction Fee (3%) so your money is converted at a much worse rate than you would get elsewhere, but that's not all. Check your statement and you'll see a separate "Foreign Transaction Fee" listed which is 3% of your charge. Basically they are charging you a Foreign Transaction Fee twice. They'll try to say it's Visa but it's not. I checked with Visa, they don't charge Foreign Transaction Fees. It's Bank Of America Visa. Then when you call B of A on the issue, you'll end up spending hours getting them to reverse the fee and they call it a "courtesy" reversal. Now it's a "courtesy" not to rob you!

It's been three years and they have sent me to the estate of my husband notices, who is not deceased. Then I started to get somewhere to settle this matter and then they tell me the guy I was dealing with did not write any notes. My mortgage had to be renewed, now we face being homeless due to the Mbna team of so called professional staff not being able to help me. At this point I believe they should just accept the original offer I gave them and move on with our life.

Bank of America is an awful bank and credit card department. We have been fight credit card fraud where my husband's ex-wife committed credit card fraud on 5 different credit cards of his. Bank of America admitted it was fraud and that the signature was forged but they refused to remove it since he had made some payments on it. He made payments on it at first since he didn't know it was fraud in the beginning. Bank of America said he claimed the debt since he made payments on it and refused to remove the debt and continued to harass him and demand payment of the credit card fraud. They discharged it and sent him a in 2012 but they still refuse to remove the amount from his credit report. DO NOT BANK WITH Bank of America. My husband had been with BOA for 20 years and they do not value their customers. They do not do what is right and they do not help their customers when there is credit card fraud. Worst bank ever!

I basically had my 2 master cards stolen last April and been struggling with mbna talking to so many people and now they think I did the mess and won’t help me. I will never get a mbna card again because they are awful to deal with and will tell everyone never to get a mbna card and go for visas. I can’t believe how rude they are and how many people tell me different stories. I had one named Shawn who said everything will be taken care of, then I got another call from a lady who says Shawn told me lies and wasn’t true that he was a investigator. This is insane, all I did was call in and tell what happen and all I get is grief, never again.

How sad that my relationship of over 10 years with B of A will end. Today I called customer service to try to understand how a CC bill due on Dec 4th, asked to pay by my bank on 5th, with money leaving my account on the 8th somehow doesn't get posted to their account till the 10th generating a 25.00 late fee. I pay all my bills once monthly and most are due from 15-25th. The customer service rep did not answer till I had been on hold for 35 min. She said she could waive the fee but was unable to answer where my money was for the 2 days.

I retired from military service after 21 years. During those years, since I deployed and moved constantly, Bank Of America had my current address (temporary) as well as my mother’s address (permanent) so there would never be any issues contacting me. I had a BOA credit card for many, many years and never had a problem until I tried to take advantage of a promotional deal recommended by a BOA representative. My account was closed and the only explanation I received from the Risk Department was they "reserve the right to close accounts as they see fit." Four (or so) months later, another BOA rep recommended I take advantage of another promotional offer. I did and the same thing happened only this time BOA’s Risk Department canceled my online access as well which is how I paid my credit card bill.

I was paying off a number of credit cards through a credit counseling consolidation program and one year from paying everything off (after 3-1/2 years of paying every month), I missed a payment due to hardship. Fortunately, I was not kicked out of the program and was able to resume payments the next month. All of the credit cards but bank of america handled this in a reasonable manner, reporting one month as 30 days past due. But bank of america issued credit alerts for 30 or 60 days past due for the final year of the payment program. I have not tried to dispute and am feeling it's probably a lost cause. But I just want people to know how unkind they are as a company compared to any other credit card option out there. Chase bank also issued a few more alerts than the others, but no one was anywhere close to bank of america and this was true for my husband's account, too.

I am writing this review regarding the fees charged which is call FTF. I charged my card in Thailand for hotel booking and the amount was in Dollars, when I saw my statement it was charged $20.6 against FTF. This is my request to Bank of America, kindly clearly mention to your customers regarding this fees so in future your customers be aware and think twice to use. I understand the agreement and terms and conditions but how many people read it? Because it contains lot of pages and very small words it's hard to read. So kindly make some policy in which you clearly mentioned about that kind of fees. Thanks.

As a cancer patient participating in clinical trials I am often away for weeks at a time. I try to keep abreast of things via my phone but am not always able to. In June and July of 2013 I received notification that my account had been compromised. I was required to check out of the hospital and physically procure a new ATM card. Then the nightmare of trying to recover not only the stolen funds but the hundreds in fees charged. I submitted my medical documents in a last ditch effort to absolutely prove it was not me who made the fraudulent purchases AND that BofA contacted ME in the first place. I have been humiliated, threatened, insulted and ignored for eighteen months....I am also out $1388, desperately needed dollars. AND...they destroyed what was left of my credit rating after these rough years of illness. This after being a customer for over forty years.

I was denied freedom to get an account from banks because of Bank of America. Back in the past 7 yr. ago I wrote some checks that was outstanding. Not having a decent job to pay it soon, has made my life difficult. My debt has been paid in full, and for 3 months or so I've been trying to open an account but still denied. This is very unfair treatment from Bank of America.. Please! Please! Please lift this from my credit score, and give me back my freedom to be able to put my money away, save for my children, and my children's children.. Help me please.

Signed up for BankAmerideal in July for $50 T-Mobile refund to credit card account. Deal required two payments using Bank of America credit card. Payments made in August and September on BOA card. Refund did not appear on October statement. Called BOA customer service on October 15. Was told to expect refund to appear on November 1st. It did not. Called BOA on November 4. First told that I did not sign up for the deal. Called Executive Offices. Told my wife had to speak with BOA since account is in her name. My wife called back and was told she had to wait up to 3 days for a call back from BOA because a case number had been assigned. BOA cannot get out of its own way. At best, the customer policies are completely unfriendly and defy logic or, at worst, BOA promotions are misleading and untrustworthy. Oh yes, supposedly we are Platinum Privileges clients. Imagine how BOA treats regular customers.

We paid our bill on time via our online banking services. The Check was mailed by the bank to the lock box site on 4 days before the due date. The due date happened to be on a Friday. The check actually cleared the bank the following Monday, and then WEX Bank, then Wawa service provider posted the payment.

Why is it OK for B of A to shut down our credit cards without telling us due to problems that they have with our security? I have just been informed today after lots of time spent verifying that it is me that they shut down my card on Oct 24, today is Nov 3rd and have not yet sent me a new one. Not one pro active word from them about what they have done. The card I have now cannot be used in e-transactions or over the phone until at some point before November 16 I get another credit card. It took me 21 minutes to finally get them to admit it but they will not tell me what vendor feels that they have compromised my security. This is the third time in a year. IT IS A SHAME ON ALASKA AIRLINES THAT THIS IS THE CREDIT CARD COMPANY they choose to work with. What allows a bank to continue to behave in such a way? I am now done with them.

I have two personal and 1 corporate account with BofA. Out of the blue got statements with late charges even though all accounts were set up for auto pay. Long story short, spent 45 minutes on the phone with these idiots, found out they changed bill pay providers for mba to their own and it cancelled all of my payments. Worried about deferred apr I paid off and will close all 3 accounts asap and will never do business again with this poorly run company with non-existent customer service.

I got a Bank of America Cash Rewards card in April this year. I contacted the customer service several times for setting up autopay, but every time I was told that it's not possible to do so with this card and I must pay my bill monthly. Such information was given to me not only by their employees over the phone, but also by their automated information when calling the number listed on the card even as today [1-800-205-6247, answer "autopay" when prompted, then you'll hear "unfortunately automatic payment can't be set up for your card..."]. However, someone in the department did tell me in September that autopay can be set up for my card, and then it was set up in September.

Called their "customer support" line, waited over an hour, and then was told, rudely, that there was nothing they could do for me. I was double charged identical amounts for the same exact transaction. Customer support representatives for this company are THE WORST. They are all rude, incompetent, and unwilling to help you when problem arises. I will be gladly closing both of my accounts & transferring elsewhere. If you get a US representative, they are actually a lot worse. The have a piss poor attitude!

My daughter had her TD MBNA credit card stolen in Perth, Australia. She tried calling the number on the back of the card - the number for outside of Canada or the USA but no answer as due to high call volume. She went to the police to report her stolen card but no luck either, the police could not believe this. So my daughter has no credit card, as she only has the one card. So she called me to see if I can get thru to report a stolen card and get an emergency card replacement. Tried calling a service rep., told due to a high call volume might longer wait times. On the phone for over 1 hour, no luck. Tried several times, different times of the day - the same thing. Tried live chat but were told they do not handle lost or stolen card.

I am, at the time of the incident, a 85-year-old widow. My husband passed away August 10, 2013. After a previous almost life/death first event, my son starting paying all the household bills since I never was allowed in the marriage to do such. After his first illness, I noticed a significant amount of money, $10,000 had been posted to my BOA credit card which appeared to be a cash advance (BOA will not confirm). I contacted BOA after noticing this alleged error. I have never carried a balance and had a zero balance. This first contact was by telephone and after much discussion, aggravation and frustration, BOA advised I sign the request for this apparent cash advance.

If you are thinking to apply for the Better Balance Rewards credit card from Bank of America then just STOP and do not do it! Bank of America will just cheat you out of earned reward at the end of the quarter and it does not matter that you followed all their rules! Calling and talking to their customer service is just a huge waste of time because they are obviously trained to ignore all of their own rules and bluntly cheat customers out of earned rewards. And even if at the end of countless long and exhausting conversations with representatives you make them finally see that you completed all requirements and really qualified to get the reward all you would hear that they are sorry for what happened, but THERE IS NOTHING THEY CAN DO because the rewards are issued automatically and they cannot fix any mistakes done by the system manually!!! Have you ever heard of anything more ridiculous than that?! NO decent credit card company in the world would make a mistake, not give a customer their earned reward and then blame it on the system and tell that there is nothing they can do manually!

During the dispute and prior to the ombudsmen finding, MBNA have savagely and inhumanly acted, by refusing to wait for Ombudsmen Adjudication, and registering me as payment defaulter, despite offering to pay them for all the transactions I have made with their credit card and sold my case to a debt collecting agency.

Terrible customer service resulting in me being stranded near LAX airport for several hours. Called customer service about credit card payment I made the day before in order to have to have a sufficient balance available for a car rental. I was then put on hold for 30minutes without response. After giving up the long wait I tried calling again to direct line for the credit card department only to get the exact same result (put on hold for another 30minutes). After my third attempt and requesting to speak with a supervisor and being put on hold for another extended period of time in which I Couldn't take anymore of. I was soon called back by a so called supervisor only to be told he couldn't help me. Just ridiculous! And a huge inconvenience for me and my plans. Something needs to be done about this. Customers deserve better service period!

Praise God!!! Today I checked my account and all is well with the world of credit again. I want to thank the very, very few people at BAC who were apparently able to finally 'see' the problem and get it fixed. Thank you

I had a subscription to Redbox Streaming. In May my card was reported lost/stolen. They let Redbox charge on my new card # that was given to me. I was never asked for permission from either Redbox or Bank of America. Every other card or subscription service I had, I had to reauthorize them. But BOA didn't make me ot them so I was charged for over 6 months without knowing. When my bill would come, I wouldn't go over with a fine tooth comb. I use the Redbox kiosk so I would see three or Redboxs on my bill not noticing I was paying $8.48 for redbox Verizon streaming. I never ever watched one movie on streaming. Honestly don't remember signing up for free trial.

It has been a nightmare dealing with these people. I have been paying on time for at least 7 years. They have charged me an outrageous interest rate and refused to work with me because I had too many outstanding loans. They are student loans only! I recently paid off, closed my accounts and turned off the online option for automatic debit from my bank account. They keep taking money out of my account even though the last time I spoke with them they said I was in the clear and no further payments would be deducted. Twice before they have deducted payments from my bank acct and after calling refunded them.

I was sent balance transfer checks with an expiration date of Aug 28th, stating I could transfer a balance or get cash with 0% APR for a year. I happened to be on vacation and in need some extra cash so I decided to use one of the checks. I had checked my account the day prior to writing the check just to verify limits. It was all good. So I deposit the check into my primary bank account and go about business. I had obviously calculated this amount into my monthly available cash.

I applied for a Bank of America Credit Card through a personal invite from them. My application was declined. I already knew it was because a bankruptcy from 2005. They sent me a letter offering me a $500 secured Visa card. What a joke. I sent them their offer back, expressing how disgusted and appalled I was by that offer. I told them I have a credit score of 740 and I have 2 credit cards from the top creditors in the country.

Bank of America sent me an offer for a zero percent balance transfer by mail and on my account. I called to see if that was an offer I could take advantage of. I was told that I could take advantage of that offer. When I called back to make the balance transfer, they informed me that not only could I not do the transfer, they also decided to drop my credit card limit by $5000.00. They said they decided to do a credit review process. I spoke with various reps and was not able to reach a resolution. The offer makes no mention of a credit review process and I have completed several balance transfer offers with B.O.A. and that has never been mentioned before. They were very deceptive and not upfront. If it was not an offer that I could take advantage of, they should have told me when I called to ask if I could. I made financial decisions based off of what they said to me and they decided to pull back after those decisions were made and that put me in a real bind.

I have a documented history of sending repeat payments to Bank of Americard on time, over the minimum due. All sent with the same online Chase (my account) bill pay. Bank of Americard's system suddenly rejected my payments. They claimed I had an old account number in the system that suddenly wasn't aligning with my new number (new from 2011!) until this past June 2014. UNBEKNOWNST to me, until my bank contacted me yesterday. I never got an alert, an email or a call!! You only get those kinds of alerts when you pay on their website. I pay all my bills on my Chase site. Since their system suddenly rejected my payments, I was reported being late, and my credit score dropped 41 points! They have refused to get back to me on this in a timely manner.

Had a line of credit, was making over 800.00 a month payments. Had called the bank to see if payments could be lowered. I was offered no resolution. Then in August 2010 received a call from a bank Rep stating that if I paid a certain amount that this account would be settled. Did as I was told. Did not hear anything for 2 yrs then I get a letter that I'm being sued for breach of contract. In the meantime I would get calls from this bank starting at 7:30am till 9pm - I consider this harassing. Also they would call my SON on his cell at work regarding my bank business. I have a husband. Why are they calling my son?

Bank of America continues to ignore the fact that they have committed several violations according to FCBA. I have informed Bank of America that the charge placed by the merchant on 6/15/2014 was unauthorized. Even the merchant itself had nothing against that charge being removed and money refunded to me because they had no physical proof that I made the charge, but Bank of America instead of crediting me those money illegally charged to my account continues to debit them. Bank of America refuses to see that the refund made the same day for the returned item was valid and IT WAS NEVER A REFUND PLACED AS A CORRECTION TO THE UNAUTHORIZED CHARGE! It was a refund for the returned item and I have provided a copy of the receipt proving the fact!

Apparently BOA did maintenance on their ShopSafe Site on the weekend of June 21-22, 2014, and ever since then I have been unable to access my ShopSafe account. It starts to load, goes to 32% and then I get a window that says it cannot complete my request and that I need to call customer service. I never had any problems with it before at all. Four or five long distance calls (I live and work overseas, so the toll free number is useless), four e-mails and a technical ticket later and they are telling me that the problem is on their end and that they are working on it.

We have been asking Bank Of America to give us statements since 2012. We got behind on our payments and then they sent our account to collections. The collection company does not give a statement of you paying or what you have paid. We paid every month faithfully and then the amount was back with Bank of America. We have been put on hold and transferred all over the place and told they do not give statements to you when you have become past due and then put in their recovery department. We want a statement to show that we have paid our amounts each month and to keep track of our balance. This is a problem with more than Bank of America - there are a few other credit card companies/collection agencies that we cannot get a statement from. Thank you for your help in this matter. The last phone number we were given is - 1-866-352-1681.

This has been resolved. I am extremely satisfied with the outcome. I want to thank Ana ** for listening to my concerns and immediately addressing the issue.

I'm a beginner with accumulating and using (rewards) points. Nevertheless, I must say that my recent experience with redeeming points earn under Bank Americard Travel Rewards left me with a bill of several hundred dollars. I was saddled with this expense -- despite spending approximately 2 hours on the telephone and on-line chat assistance prior to implementing the transaction to use the points. The information provided by the Bank Americard Travel Rewards chat-assistant, relative to the process of how to redeem earned points, was time consuming and complicated at best because the chat-assistant was unable to and not familiar enough with the travel rewards process to immediately answer basic procedural questions. Plus the telephone assistance provided/received relative to the dollar-value of earned points was entirely incorrect. The Bank Americard Travel Rewards Program is complicated, confusing and the only party negatively (financial) impacted from the confusion is the consumer. In this instant -- me.

Dear Bank of America, For months I have been talking to your frequent flyer program representatives on working with the U.S. Airways Dividend Miles representative to get my Visa card # and authorization added to by U.S. Airways Dividend Miles #**. They have informed me that this is not their issue or problem and that I have to work this with U.S. Airways. I have as well worked now months with U.S. Airways Dividend Miles reward representative and they continue to inform me that this is not their issue or problem and that I have to work this with Bank of America. Now I just need someone to please figure this out from either organization and ensure that when I use my U.S. Airways Dividend Miles card, that I get the appropriate dividend miles added to my account. I have had this PLATINUM card since I believe 2007 and have renewed it every 2 years.

I had a BOA Visa since 1982, yes 1982... I had a 12k limit. The last 5 years have been hard on me financially, but always paid card balance, was around 9k. I maybe have been a little late here and there, but nothing too bad... Finally business improved and I paid off the card. Over a few months... One day i went to use it, to find out they canceled it... No letter or anything, I was in shock... Of course when I called they claim they mailed me a letter, and I could not talk to anyone who cared or would do anything. I love how they waited until I paid them in full to cancel my card... Moral of the story I would not be so fast to pay them off. I love their loyalty...

We reached an agreement that I can live with. I feel that things should have been handled at the first call. Most people would have said `Damn" and let it go. That is what most businesses bank on.

I have a schedule transfer of $25.00 for the first of every month from one of my checking accounts to my savings account because the first falls on a Sunday. Bank of America made the transfer on 7/30/14. Two days before my scheduled transfer, my pension check was deposited on 7/31/14 because I did not have $25 in my checking account on the 30th. $100 was transferred from my credit card account to cover the early transfer. I was told that there will also be an overdraft protection fee applied. The BOA representative I spoke with was a lovely young lady. She contacted credit card services and the fee will be 'waived'. On Tuesday, I must call Credit Card Services and have the $100.00 returned to my credit card account. I explained that this manipulation of my funds was unethical at the least. More accurately criminal.

BoA arbitrarily closed my $12K business visa account. It was not based on any bank guideline or criteria but rather the personal opinion of the reviewer who felt $80K in debt was excessive. Meanwhile my debt to available credit ratio was 25% and debt to income ratio was 30%, well within acceptable banking guidelines.

I had a job at Kmart in 2002. I had a bank of America credit card honor. In 2003, Kmart closed in Dorchester, MA so I submitted an insurance claim to cover my credit card until I find another job. The credit was for $1000.00. One day, I go and check what was the balance due for this card after payment made and I saw a new credit card in the system. I call the bank and ask who approve this credit card because I was just had one in insurance claim. I was told that yes I was honor this card also.

My husband and I have substantial money with BofA and I'm angry enough about this new "privacy" practice that we will pull it all this weekend. The mailer I received today explains that in order to continue NOT to receive promotional materials I have to select to opt out. To do this, I must call or go online. By phone, I'm instructed to go online or call another number. Online I'm told I must give them all of my phone numbers and all of my email addresses or I must go into a branch. Do you think I'm going in? Hell yeah.

BoA burned me once before so I have no faith in this behemoth financial institution. When I had a sizable Certificate of Deposit with them, and an opening checking deposit of $38,000, they gave me a credit card w/ a $3k limit. Mind you, I always pay on-time, if not two weeks EARLY and there has NEVER been a problem w/ me fulfilling my obligations. I closed my BoA Checking last year b/c the staff at all local branches are rude, lines are long, parking is next to impossible, and opened a checking w/ Chase who always treats me with the highest level of respect, courtesy and they are wonderful!

My last statement the bill was due on March 8th. I paid the FULL amount of over $7300 on March 7th. I recently received another bill from them telling me that I still owe them $72.78. When I called and told them I paid the bill off as of March 7th, they told me that they calculated charges up until March 11th. The problem is there has been NO charges on this account for YEARS since the account has been CLOSED. Why do I still have to pay $72.78 for 4 lousy days of no charges after paying the whole amount off as of March 7th???

I recently went online to make a electronic payment to my National Education Association QUANTUM Master Card account and noticed that the last four digits of my account number had changed. These normally match the last four digits on the credit card. So I called Bank of America's credit card division and learned that my credit card account number was being changed and that I was being issued a new credit card with new account #, expiration date and security code. I was told this was due to a security breach at a merchant where the NEA BofAm card is used.. This explanation was not clear to me... whether my card had been used or as in the TARGET case, the merchant's database of card numbers had been breached. At any rate, I asked who the merchant was and was told that information was not available. I asked if it was TARGET, and again was not given an answer to my question.

I opened a Bank of America credit card a year ago, one that has 1% rewards on all transactions and 3% on gas, etc. Well as advertised on their website if you transfer your rewards to a Bank of America Savings account they will give you an additional 10% on those transfers. This was quite enticing and was the reason for choosing a Bank of America Credit Card. So last week, 2/14/2014, I opened a Savings Account thru Online Banking, and then subsequently transferred my Rewards $290 which then turned into 319 dollars to the Bank of America Savings account. Within a week I noticed a transaction which cleared out the account and closed the account. Their Banking Escalation Division has stated that Bank of America has decided not to do banking with me, and that's the only information they can provide. I asked if I went in person and tried to open an account at a Bank of America Branch that I would not be eligible to open one. I see this as them not honoring their advertised Banking options, they are okay with me having a Bank of America Credit Card, but not a savings account to transfer those rewards funds.

We moved in January of 2013 and sold our home in June of 2013 in a short sale. Obviously our credit was damaged. However, we moved because my wife received a raise in both position and pay. Pay almost doubled to $92,000. We had a credit card with a $3500 limit. Because of our move, I was extra careful to manage our credit cards and quickly improve our credit to be eligible to purchase another home as soon as possible. In February of 2014, I paid off the balance of our credit card in full after Christmas bills. Within the next week, I booked a vacation for $2801. This also would have been paid off with a couple months of our return.

B of A sends me an online survey many times and I finally take it, answering the way I truly feel[you know honestly. Honest is not the American way at present and they cancel my account 2 days later. I have had this card for probably 20 years, always paid in full and mostly on time, home loans paid in full and this card with a 1200 limit gets shut down and I assure you it is from the survey. I don't mind all that much as I think they are one of the worst, dishonest, misleading and corrupt banks along with Wells Fargo and US Bank but that's the new America, isn't she grand.

Around 2006, Bank of America bought MBNA, subsequently, a $50,000 revolving line of credit that I earned with MBNA was now owned by Bank of America. The card was nowhere near the credit limit at that time, maybe the balance was around $9,000. I had always kept this credit card for "Emergencies Only". I am a Family Physician, I've earned a 6 figure salary since 1999, and my MBNA card was issued in 2001. Shortly after Bank of America bought out MBNA, my credit line was slashed to $27,500. I was never given any notice, but realized it on the billing statement.

We live overseas and have our mail forwarded periodically. We rely heavily on email and online sites when managing our accounts. We tried to make purchases with our card which we knew had more than sufficient funds available and it was declined. We called BoA and were told it had potentially been compromised and that a new card had been mailed to us. We have not yet received our mail and would not have known of the situation for potentially weeks during which time, vendors we have autopay arrangements with will be receiving insufficient funds or refusal to pay from BoA.

I had a low balance credit card with Bank of America. I had no payments due for a few months after first using the card. I set everything up to go to my email. I never received a statement on when my payment was due. I contacted them and was assured they had my correct information. On 1/7/14, I received an email and phone call that I had missed a payment that was due on 12/2/13! I never received any alert or notification on when the payment was due and they waited over 30 days to contact me to let me know the payment was missed. I immediately paid half the balance due and asked them why I wasn't notified or alerted or anything about my due date or notified earlier of the missed payment.

Okay, I have been a Bank of America credit card customer for 10 years. My card is in the 6 percent zone which makes it a great choice for emergency use. This past several years, due to some economic changes (job transitions), the card was temporarily close to its limit. During this transition time, the card was always paid on time. In October, I was able to pay off most of the balance. I was shocked to recently find out that my card limit was reduced without any written notification or warning. After calling to inquire why my card had been declined for use, I was told that when credit lines are paid down, they are reviewed by their account specialists and before going any further with them to check my credit score. Also, the representative claimed they had attempted to call me in December. However, my caller ID shows no contact from the agency.

Bank of America credit cards may seem convenient if B of A is your bank, but the program that they use to determine fraud is too stringent. My card has been blocked at the grocery store, hardware store, gas station, and online. When speaking with customer service, the reason is always 'that is unusual spending' or we need to verify the purchase with you. Unfortunately, they do not call to verify any purchases. After having been blocked over 20 times, I have NEVER received a phone call asking for verification. The purchase is just declined. This is my primary credit card, but I began using AmEx a few years ago and they text me when they think a purchase is unusual (but they have never blocked any). I am very frustrated about Bank of America's credit cards. I will rely on another bank to provide my credit needs.

I haven't seen any worse customer service in any other financial institution. I have been using their card since a few months but I have never been able to access their online a/c - it's so confusing: whenever I tried to "enroll" online, it says it can't process it this time. I have been super busy for my exams during last few months and so haven't been able to call them and didn't want to waste 20/30 min in phone. I agree that maybe I should have been more serious and should call them earlier, but they only take calls during weekdays whereas I manage most of my personal stuffs on weekends because I remain very busy on weekdays, specially during exams.

I tried to access my account online today and received a message that my account was not open - funny, I just got my email notification that my statement was available. I called customer service and found out that a merchant had a "mass compromise of card data" and that my online access was cut off until I received a new card. Nice.

If anyone has a Bank of America credit card, you might want to double check your statement regarding the breakdown of the interest charges on different portions of your balance... I suspect that I have been billed at the Bank/Cash advance rate for quite some time now. Pretty funny since I don't do Cash advance transactions! The interest rate is a whopping 19.24% for using the card that way. Needless to say, I have initiated a dispute, and I am demanding a review of my entire account for the past 13 years.

I have had a credit card with Bank of America for 8 years. Always paid on time. Recently, I have had some financial issues. I withdrew money from my 401K to pay a large amount on my credit card at Bank Of America. This left my balance on the account very small. I requested they send me a pin number for my credit card. Two days later, they closed my account with no notice. So sorry that I am trying to improve my credit and their total lack of even caring. I will never do business with them again.

I have always paid my credit card on time and in full. However, Bank of America cancelled my credit card today, along with THOUSANDS of others, due to a "merchant report" they received. As it turns out, the "merchant report" was false, but it's too late. My account and THOUSANDS of others were cancelled because of the "merchant report" which Bank of America did not bother to verify. They did not notify any of their customers ("It would take too much of our time," the CSR said.) This is standard operating procedure for Bank of America, according to the CSR. They do it "all the time." So BEWARE. Do not rely on a Bank of America card because they may cancel it at any time with no notice. Make sure you have a back-up card, or better yet, just don't deal with Bank of America at all.

WRONG! When I got to the department that "analyzed" whether a person "deserves" this lowered interest rate, I was asked a series of questions - questions that included, "What led you to have this much debt?" I answered honestly. I also stated that I had other options, including transferring my balance to my other credit card. I said that I didn't want to do that because I've had BOA for so long.

We've had a MNBA Royal Caribbean Visa Rewards credit card for about seven years. I called their customer service department yesterday to request that a check be sent for a cash reward on 60,000 accumulated points in our account. That number represents the transactions on our card over the past three years or so. The representative I spoke with said that Royal Caribbean sends the checks for the rewards. I knew that wasn't the case because we've always received the cash from the credit card company. I called Royal Caribbean and the representative said that MNBA handles the reward payments.

Bank of America ruined my credit, and continues to ruin my credit despite numerous complaints to BBB, their CEO, CFO, and board members. I disputed a $1500.00 charge on my account for a procedure I never had. The MD refused to remove the charges. I called BOA the same day and informed them the MD had numerous criminal charges and medical complaints against him, causing me to cancel my procedure. Who wouldn't?? BOA agreed, and credited my account, until the MD complained. Now they continue to harass me to this day, over TWO years later, and continue to ruin my credit. The CEO, after receiving my letter, agreed to remove this from my credit score. However, another BOA employee in another state, refuted it, concocted accounts I never had as charge offs, to paint me in a negative light, and continue to destroy my credit! Bank of America is the MOST corrupt, dishonest, disgusting corporation in business. I would NEVER do business with them again, banking, mortgage, car loan or otherwise!

In July of 2009, a representative from Bank of America called and offered debt protection. I paid fees for coverage every month. In February of 2011, I was injured and have been unable to return to work. I agreed to a debt protection that would pay off the balance of my credit card in case of disability. Bank of America and Central States Indemnity insist that I was placed in a credit protection plan. They are refusing to pay off my credit card debt in full. I filed a claim for disability in October 2011 and Central States Indemnity is refusing to pay my credit card debt in full.

On 1/8/13, I transferred balances from two other accounts to BOA on a 0% for 12 months deal. I paid every month online and on three occasions, they drafted my checking account for the payment amount as well as the entire balance. I was charged fees by my bank and BOA for overdraft and insufficient fund respectively which were refunded after having to call and tell everyone what had happened each time. Then I discovered they had charged me interest for three months while this was going on and sold my account to Barclay Band on 6/24/13 without any notice to me whatsoever. I've called numerous times and am either cut off or transferred to Barclay. BOA refuses to address the problem. Anyone interested in a class action suit? I understand that I'm not the only one this has happened to.

I had surprisingly won the bid on an RV on eBay for $70K. I made the required 24-hour deposit of $2K which I put on my Bank of America Alaska Airlines credit card to earn the air miles. I then thought that I could use the same cc to pay off the remainder and earn even more air miles. The only problem is I have a $5K credit limit, not $70K. I contacted BofA and asked if I could electronically transfer $50K into the cc account and would I then be able pay that amount towards the RV purchase, an amount way beyond my actual cc limit? I was told I certainly could. Because certain accounts won't allow you to pay beyond the total balance owed, I asked to make sure there wasn't such a block on this transaction. I was assured there wasn't. To set up the complete scenario, I'm originally from WA state and am in Anchorage, AK visiting for the summer. The RV is located in TX.

I have been a BOA customer for 20 years. In August of 2012, they sent me a 0% offer until 2013 June on balance transfer. I have a credit limit of $16000 and had a balance of $6000. I went to my local bank and asked, "If I pay off the $6000, can I have 0% on $16000 till June?" Yes. So I paid $6000. They told me the $6000 would not be credited to my account until a couple of days so they transferred $10000 over to my checking and told me a couple of days come back. I used the checks. "Write $6000 to your account.” Okay, I have automatic payment from my account. I never look at my statement in the mail. June 2013 I look at it - a $288 debit. They never gave me 0% on $6000. Total fees is $179. Total interest charged in 2013 is $492.41 not including 2012 interest. The so-called customer service (what a joke) was no help. They don't care at all. I have commercial property on a major highway 1000 feet from BOA. If I can't get this taken care of, I'm going to put a billboard 15 by 30 - BOA is a rip off. How do you like me now? See me in the papers (Highlands Co., Fl).

My credit card from Bank of America has been paid on time through their checking account using bill pay automatic payments. Now there's a problem. I have automatic payments through bill pay set up to pay my Bank of America credit card. My payment for the year or so was set to the minimum $23.00 with a maximum of $35.00. Payment taken out on the 19th of each month from my Bank of America checking account, which has had a balance to pay. I also have paid my mortgage on time. I received a message via phone from Bank of America concerning being late on my payment. I called on 04/22/13 and spoke with customer services.

Loyal customer for many years, but apparently that makes no difference. I was paying off a balance and got to the last $49. Then they charged me an annual fee. Whoops, the auto payment didn't cover the new minimum balance; hence an added late fee. Attempted to do an online direct transfer and it was rejected. They don't know why. I never had this problem before and like a fool, expected them to have notified me of this (like my credit union does), but they didn't. Then late again. Mind you, I missed the $20 minimum payment on a $116 total. Because of their notification, my credit rating has dropped 50 points and because of this, BoA lowered my limit on the card!!

Bank of America was hacked back in October! My account was compromised! When I tried to ask the normal who, what, where, etc., I was kept in the dark! I was told not to worry about my personal info, in the hands of God knows who? Issued a new card that I didn't want! They then closed my account! They charged me late fees, stole my airline miles and most damaging of all, reported negative credit on me resulting in denial of credit and loss of property!

I received a new credit card in mail. I tried to activate it, but it failed. I got routed to representative where I found out that SSN had been changed. I had the card since the 70's and had no trouble because it was from another bank. Then BOA bought them out and it's been downhill. Since the last renewal 3 years ago, some BOA person changed our SSN. Now, they say they can't correct it. Give me a break. What's happening to our credit? It's being reported under the wrong number and when they pull credit, it's NOT ours. What a nightmare.

Bank of America charged me a fee. They made a mistake. The first time, they put the money back. It was for $64 and some change for supposedly a cash advance! I always pay my bills on time in full. On the next bill, I had another finance charge of $16.22. This is fraud in my book. I have called them four times now. They tell me it will be taken off, and I should see it online the next day. Its next day, and it's still not gone. So, to pay in full, I have to pay off the $16.22, and they said they can mail me a check. When the next bill comes, it will be applied or I can use the money on the card. No, I am not going to use the card again. They tell me one thing, then another. They probably do this to thousands of people. Hold your money so they can’t make money. This is fraud. I am closing all my business and checking accounts. Move on. They’re the worst company to do business with. They are thieves.

Interest Rates hiked from 4.99% to 19.9% to 21.99% over a couple of months. Paying 4.99% to Capital One and ScotiaBank. MBNA doesn't care. Offering 0% for 12 months to new customers and their existing high interest customers are paying for the cost of borrowing for these new customers. Also offer an account for 9.99%. When I applied for the 0% account (balance transfer), they declined. When I applied for the 9.99% account (balance transfer), they declined. I have never been a problem customer and have kept my account current. Stay away from MBNA. I was offered 9.99% over the counter Emerald Visa card at TD Bank who owns MBNA. MBNA are no better than loan sharks. Bad business.

Proud owner of an excellent credit history for over 30 years. I'm a BOA credit card holder, who has never once been late with a payment to any creditor in over 30 years. I pay my obligations. Circumstances: Poor returns from my business, combined with my wife's ongoing chemotherapy and medical bills have caused a bind in our normal routine and have hampered our ability to pay these obligations. However, we still have not been late with one payment.

I guess these complaints explain the stock price and how they expect to fix it. That being said, I guess I don't have a complaint, just a statement. They didn't bother to call when my card got cancelled when my mortgage payment got behind. Times were hard and I told them when I would fix the problem and I did what I said I would do. Unfortunately now, I don't have access to emergency funds which means minimum payments to BoA until the balance is paid.

I have a couple of credit cards with BOA. I've been a customer since 2003. In March of 2013, I made a payment on my BOA AMEX card online with my checking account. A few days later, I was told that the payment was returned unpaid. I asked why. They said they could not find my checking account. I told them they were the only ones that had that problem. They in turn froze my AMEX and said that I can only pay with debit card or cash and they got to have 2 consecutive payments that clear before they can reinstate my account. I paid with my debit card to replace the "returned" payment.

I had a Visa signature with Bank of America since 2007. I never made late payment. In June 2012 was the last billing statement Bank America sent me. They never sent me again after that. I called and spoke to a representative and he/she informed me that the minimum payment is $25.00. I have paid more than the minimum payment. I can wait and they will send me a statement. However, they never sent a monthly statement to me. In or about October 2012, I paid $200.00 and wrote a yellow note stuck on the check asking Bank of America credit card to send me a monthly statement. In November 2012, I paid another $300.00. I also wrote another yellow notepad and stuck it to the check, asking them to send me the statement. They have ignored my request and continued to charge me for late payment.

I have 2 Bank of America cards. I paid one off and never late on either card. The one I paid off I received a bill the following month for $3.97. I paid that. The following month I received a bill for $2.97. I paid that. Now I have received a bill for $1.00. I don't understand their practices. I have given them the interest. What more do they want? An ongoing $1.00? I have written them and got a "read you contract answer." My next step will be my congressman.

For second month in a row, BOA has lost payment when funds were transferred directly into their account electronically by another bank. This time they have misplaced $4,000. The bank who issued the payment to BOA has confirmed receipt by BOA. BOA is running a scam, utilizing my money and not reflecting payments against my account.

Bank of America decreased the credit line on two of my credit cards with inadequate justification. BOA issued a Visa World Points card and an AAA Mastercard, which I used mainly for necessary expenses such as car maintenance and health care charges not covered by my job's insurance plans. I was rarely late with monthly payments and BOA increased the credit lines because my payment history was good. After nearly five years of using the cards, BOA mailed me notifications stating that my credit lines had been decreased. The reasons given were inadequate income and a late payment on the Mastercard. BOA also stated that my credit ratings factored into the decision to reduce the credit lines.

The collection agency FIA MRS that is acting on behalf of BOA offered a settlement, and I agreed. I paid according to the settlement. Two weeks before my last auto payment was made, I was told the account was transferred back to BOA and the previous settlement was void. The last auto payment was not taken out of my checking account as the previous two payments were. On 2/24/13, one day prior to my final payment, the account was transferred back to FIA MRS. I was again told that the previous settlement was void.

I used my BOA credit card at Turkey Hill Gas Station (0008 Q 69) on Feb. 5, 2013. I swiped my card twice at a self-service terminal and got no response from the machine. I went to another terminal and used my card again to make a transaction of $38.90. When I checked my balance online, I found a charge of $65.01 was posted in my account. Immediately, I called the customer service and disputed that transaction. I also talked to Turkey Hill Gas Station employee and she said, "If you swipe your card, they charge a definite amount to check the balance; if you did not use the services, it will credited back in your account within five business days."

I have never had an experience like I just had with BOA on a credit card payment. Holding the bill in front of me, the charges were $2,560.64 with an interest of $44.29; the total bill was $2,604.93 with a due date of 2/24. I paid the bill in full by the due date and had the confirmation from BOA and my bank. Today, I received another online bill for $28.46 for interest. I called BOA, and after about 20 minutes, I was able to talk to a live person.

Noticing 86% of the people that commented on B of A's service were dissatisfied, I'm surprised they still have customers, but yes, they've still got us, but me - not for long. I logged on to their website to redeem over $400 in credit card rewards, wanting a check sent to me. Their confusing site pushes you to an electronic redemption. Writing and mailing checks is expensive. Even though I selected I wanted a check, they tricked me (poor web design most likely) into crediting the reward amount to my credit card bill. I didn't want that so I immediately called customer service who said it couldn't be reversed. I guess they never heard of debit memos/credit memos, so I was stuck. Oh well, the $400 would go to my next bill.

My son stole my credit card in May and ran up charges of $5,900 without my consent or knowledge. I notified the police, filled out a complaint, and contacted the Fraud Department of Bank of America. They refused to write off the debt although my son has 9 felony charges against him through the State of Florida. When I received the credit card, Bank of America states that if charges are fraudulently charged against the credit card company, the customer does not have to pay. Bank of America has committed fraud against me.

I had arranged a payoff settlement with "MRS" the collection agency for Bank of America. I had one final payment left that is due on February 25, 2013. I received a letter dated February 12, 2013 from Bank of America requesting payment for the entire balance - this was the balance that their collection agency had agreed to write off if I agreed to the settlement payment. I called Bank of America and was told that MRS no longer handles the account and so the previous agreement was void. I asked to speak with a supervisor; the woman I spoke to at first refused, but then stated she would have a supervisor call me back. That has not happened yet.

As I write this, I am infuriated by this bank. I have been on hold for an hour! I paid off my credit card balance and now have a charge of about $8.00 in interest. I just submitted a payment of $600 and they still want more. Wasting an hour of my life like this is unacceptable. Having been a customer for over 10 years, I don't feel like I should have to plead for this charge to be dismissed. It's very disappointing.

On 12/28/12, I called B of A to request a change in my payment due date. A very nice woman assured me that was no problem and that it would be effective on my January bill. Today, I got an email from B of A saying I had a late payment. I came to find out that the change has still not taken effect and I now have 2 months of late fees/late payments on my account. I contacted B of A and was told that I never requested that change and that until I pay the late fees and this month's minimum payment, they cannot speak to me. I requested a manager and was told there was nothing they could do. I have had nothing but trouble with B of A since they purchased my credit card. As a cardholder since 1996 with a large balance but terrific history of payment, you would think that they would at least have decent customer service.

I used Bank of America's ShopSafe feature to generate a virtual credit card for use with a vendor. Given what I knew about the vendor and that I was ending their service, I set the limit low. I cancelled my service with the vendor and they still billed the virtual credit card for an amount ten times the limit. Yes, not 10% more but 10 times the limit. Bank of America let the charge go through. Now after spending 3 hours working with Bank of America, I am no closer to getting the charge removed from my account. I did not choose to be a Bank of America customer. In fact, I fired them many years ago. Unfortunately, they purchased my oldest credit card account and now give me poor service.

I paid my online credit card bill ($19.30) with Bank of America MasterCard in full, way ahead of the due date. In my mind, I had my bill paid in full and had no issues (online system verified payment). I don't go back online to the Bank of America's credit card site until my next payment is due. Unknown to me, my payment was apparently rejected. Bank of America did not contact me via email or phone or automated message to let me know that my payment was rejected or why it was rejected. If I was notified in a timely manner, I could have resolved the issue with the payment (which could have been an error in the Bank of America's online system) before the due date, as I again paid my $19.30 way before the due date. I was not notified. Instead, when I went to make my next payment this month online, I could not. Instead I saw a late fee assessed.

Yesterday I received a call from Bank of America indicating that they received a report from the credit bureau indicating a review of my account was due. I responded back that it was an outright lie. Recently I made a large payment on 2 accounts I had with them. Every time there is a reasonable amount of available credit, that BoA routine would reduce my credit line. The conversation became quite heated. He referred to the number of credit cards I had and that I should be working to close them. I asked him what he thought I have been doing over the past several years - i.e., the recent large payments. Also, I mentioned that I have not been late on payments - the only times I have been late is when BoA actually has the payment, though they have had processing errors. Now I send my payments in weeks ahead of time and track them to ensure the payments are processed so that BoA cannot charge me late fees.

BOA is charging interest on first day of transaction posting in account. I took a balance transfer offer and was finishing up this month with $100 balance remaining. I charged my card for another transaction and in the meantime, I paid $200 so my balance transfer offer paid off with $100 and the remaining $100 I paid in terms of another transaction. After several days, I saw my statement and it was showing my remaining balance with interest. I contacted customer service of Bank of America in order to find out the interest charges.

I paid my bill over the phone for $54.02. Bank of America took out $540.20 out of my account. I called them to have it resolved, probably was transferred 5 times, but nothing was resolved. I called back after the weekend. On hold for 45 minutes, I spoke to a call center, who said I should have my money back in my account within 10-15 business days. Huh, your mistake, 10-15 business days, really?

Trying to get out of debt, but held on to several credit cards, my Royal Caribbean Bank of America card being one of them. I had an annual renewal (antivirus) hit this card and it went 60 days before I noticed. They cancelled my card, thus preventing me from redeeming all the points I had accumulated thus far. When I contacted them, they denied me renewal based on the 60 days being late. I asked them to review my past history and note that I was on time and not late; this was plain and simple, a human oversight. Their person read me his pat answer directly from their script. I felt they could at least have given me my reward points, but nope. On one hand, I understand. But on the other, I feel I am paying the price for all the others who intentionally defraud and helped create such an impersonal system. This is just me venting. I'm sure it's not that big of deal anyway. Their reward system sucks.

I couldn't tell you how many times in the past 2-3 years my card had gotten shut down because they "suspect" fraudulent activity. It happened when my husband bought gas after work and I was buying gas or groceries 6 miles away, or when the kids and I took a trip to see relatives for the weekend and I bought food or gas on the road (next state over) and my husband happened to also buy gas or food back home or let’s see... The latest is when I went to the grocery store, picked up dinner for the family and then did some Christmas shopping online before going to bed. Don't they all seem like such fraudulent activities? Ridiculous!

One of the reasons I use a credit card is because there are certain protections afforded by using one. Unfortunately, I found BofA's dispute resolution practices to be less-than-savory which leaves me wondering if I have any protection by using this card. I had disputed a transaction posted by Hertz Rent-a-Car and submitted all the proof one would expect to be needed to plead my case. I rented a car from Hertz and did not take one of their prepaid refueling options; in other words, I had to be sure to fill it before returning. I brought the car back with a full tank but Hertz still somehow charged me $101.30 (nearly 10 gallons @$9.29/gal plus fees) saying I had not refilled the tank and posted an additional transaction for this 3 days after I returned the car.

I have been a customer for approximately 13 months and paid my bill in full and on time for all 13 billing cycles. I had a dispute with a jewelry company called Capitol Diamond in Union, NJ. This dispute lasted 5 months, and I found upon contacting the Billing Dispute Department that the two representatives - both supervisors, "Michael" and "Gloria" - to be very rude and have no apparent interest in protecting my account. I have contacted the Federal Banking Commission, the Wall Street Journal, and the New York Times, all of which want written statements of complaint, which have already been sent. It seems to me that BOA is engaging in deceptive practices with the merchants they serve. Finally, I plan on having the Chairman of the Board of BOA served with a Summons and Complaint for allowing these practices to take place.

My son used our Bank of America Visa card to withdraw cash from a bank in China. He was charged with a bank transaction fee, a foreign transaction fee, and a minimum interest charge on the cash withdrawn. All these fees were legit and he learned his lesson about poor financial planning. The balance was paid in full on time. At the close of the following billing month we received another minimum interest charge. I called to inquire and Nathan, the rep, said when there is a minimum interest charge it usually takes two billing cycles to clear. I asked if that meant a credit for the second minimum interest charge would appear on the following month. He said no, but could waive it since it is just the minimum monthly interest and I did pay the balance in full. So to confirm what I just heard, I asked again, "Since I paid the balance in full, the minimum interest charge should not have appeared again, right?" He said no, and repeated that it usually takes two billing cycles for it to stop appearing. There was no acknowledgment that it had been assessed incorrectly. I usually have no problems with this card and won't cancel over this, but pay close attention to your statement for any fees and charges!

Due to a loss of business revenues, my company got behind in payments to Bank of America Visa card. They offered us a settlement of 60% of the debt. We agreed to the terms of making four equal monthly payments on the 28th of the month to settle the debt. It was a huge struggle for our small business, but we made it a priority and neglected some other vendors to make all the payments on time. We thought we had abided by the terms; however, Bank of America pulled a fast one. They said their agent representative who had set up the settlement told us that the last payment was due a week earlier than the other three payments. Our last payment made on the 23rd was two days later than what they claimed was the due date of the last payment. Despite our protests, they sent the account to collections.

I pay my Bank of America credit card on time and have done so every month through their automated bill pay service. On 10/11, I made my payment, and when doing so, they ask what day you would like to schedule your payment. I accidentally typed in 10/10, so they proceeded to schedule the payment and gave me a confirmation number, and I moved on - not realizing they scheduled the payment for 10/10/2013, a year later! I attempted to use my Bank of America card - it’s declined.

This has to be the worst experience I had with a bank. This is why BOA has no good reviews! Shame on you. I sent in more than enough documents for a $200 dispute - a third party airline website charged me for no good reason! BOA kindly said they couldn't do anything. I think the only credit company not worth starting an account with would have to be you, Bank of America.

Optional line protection plan is a total ripoff. You have to be an attorney to obligate and understand the addendum. Yes, I needed it and got ripped off. I called the CEO of the bank, they don't care and put the money in an emergency account. At bank level, everybody plays dumb. Never again.

They decreased credit card limit from $7,500 to $6,400. I have a 712 credit score - one late payment, which was bank's fault, applied to wrong account. Lowering this limit will lower my FICO score 50 points. There is no reason for this. I have had 20-25 accounts over the years with BoA, with whom I have had home loans, car loans, and numerous credit cards, which have been opened, paid off, and closed. All of my accounts have always been successfully paid. They are one of the most unscrupulous banks that I have ever dealt with.

I had a Bank of America credit card since 2000. The last time I used it was 2004, until I had a notion to rent a car to take a trip with my family. On June 23, 2012, I activated the card by calling the number on the sticker affixed to the card. I followed all the prompts and a recorded message told me my account was activated. Then on July 12 I tried to make a reservation with the card for the collision damage waiver benefits and the card doesn't go through. I called and a recorded message told me my account was closed. My credit report received today says the account was closed by me, but if I wanted to use the card for a car rental, I would not cancel the card. Bank of America canceled the card after I activated it and sent no notice nor gave any reason why.

I have been in business for 20 years and have had 2 credit card accounts with BofA with limits of $100K each. They are used as the primary card by some of my vendors, sales reps and system servers as well as purchasing. Some of my charges with a shipping are very large and they charge the card automatically every Friday. I pay the card in full within the next week to leave room for the next week's activity. Three weeks ago, my shipping bill exceeded my credit line and the charge was denied, My vendor called and I was able to split the charges to separate charges. Since that time, I have not been able to access my account online, only to be told that it was an internal problem and they did not know when it would be fixed.

Bank of America refusing to help resolve fraud charges - My elderly mother had two Bank of America cards. Because she has no access to the internet and did not realize charges were shown on the back pages of her statements, she missed the fact that a company, Innovative Wealth Builders of America, double dipped into both of her B of A credit cards in one month to a total of over $3,000 in fraudulent charges. B of A never alerted my mother to these charges even though the most she ever charged on either card before and after that point has been $200 at Walmart at a local store. When the fraud was discovered, she reported it to the local District Attorney who advised her to call up and cancel the cards, so that Innovative couldn't keep billing fraudulently.

I made a $1,200 payment and they hassle me for more. I've been trying very hard to pay off my Bank of America credit card. They have worked with me to reduce interest and make a payment I can afford. Now that the economy is better, I'm able to get ahead. So, I made my regular payment of $284 and then made a $1,000 payment. What do I get? A phone call where I'm hassled for $704. Talk about poor customer service. I will never do business with Bank of America again.

I paid off my account in full. This is after closing my checking/savings account, also with B of A. After receiving my payment, they closed my credit card account without warning. This has reduced my available credit and negatively impacted my FICO score. I have never missed a single payment on any of my outstanding credit ever in my life. They say they are "reviewing" my account and will get back to me in 48 hours. The account that they closed has a very low APR.

I sent a $25,000 check to Bank of America to pay off my credit card account. Eight days later, it still hadn't been cashed and I was still being charged interest. I went online and paid the account in full. At the same time, I stopped payment on the mailed check. Bank of America charged my account a $25 stop payment fee even though they had my money paying the account in full before they sent the check through for payment. I called Bank of America to have the charge removed. My accountant spoke with Vania **, a customer service representative. Ms. ** refused to remove the charge, and without a word regarding what she was doing, Ms. ** cancelled my credit card. I am the only one authorized to cancel my card and I hadn't been in contact with anyone at Bank of America to authorize this action. An employee of my business attempted to use the card approximately half hour later and it was declined. This is how I found out my card was closed.

I sent payment with a coupon to Bank of America to pay my credit card. They cashed the check but did not apply it to my card. I have gone to the local bank and sent copies of cashed check and bank statement. (You cannot read their stamp.) They could not find the deposit on their end and wanted me to tell them what they did with the money. They refused to credit my card for the money I paid.

MasterCard switched from World Points - Bank of America switched our account from World Points to Cash Rewards, thus having us forfeit hundreds of dollars’ worth of points. They claim that this was our request. It was not. I merely called to activate a card. Further, when we got a letter warning us that we were being switched, we called and said under no circumstances do we want to switch. The representative assured us that we would not be switched. They have a record of this call. It seems to us BoA is running some sort of scam to force customers to switch. We have contacted the Missouri Attorney General’s office and they assured us they would investigate.

I recently put a vehicle into a shop for repair. The shop was unable to repair the vehicle and replaced numerous parts. When I arrived to pick up the vehicle, they had already disposed of the parts removed from my vehicle. I paid with a BoA credit card. Upon taking the vehicle to another repair shop, they diagnosed the problem. According to the new shop, there was no need to replace all the parts that were replaced.

Immediately, Bank of America reduced my credit limit on several cards from $30,000 to $500. After a year of restructuring the mortgage and correcting reports at all 3 major credit reporting agencies, Bank of America still has not restored my credit limit. Who at Bank of America do I contact to get this resolved? Or do I need to go through bank regulatory agencies? Which ones? Thank you for advice in getting this resolved. I would close the accounts and go elsewhere, but have been advised that would adversely affect my credit score.

We have been a customer for years and I even make multiple payments per month. I received a $30 late fee not realizing I did not pay. I called to have it removed as a courtesy and was told that there was nothing they can do. What poor customer service. They are willing to lose a 12-year customer who always pays on time and multiple times per month over $30. I will never use that card again. Check out Discover - they have much better service!

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.

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.

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 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.

I was seeking to do a balance transfer today from a very high APR card to a lower one at Bank of America. I have had a BofA card since 2009, with no issues. Anyway, I started out this morning with a $16,000 balance and 9.00% APR. Nice right? I called BofA wanting to use this card for a balance transfer. I was transferred to the credit department. They told me I had to add my wife as a co-applicant to qualify for this balance transfer based on my current income. So no problem, I told them I will make that happen. I called back an hour later to add my wife and I swear to God on my son's life... they informed me that my balance was reduced to $4,000 and my APR was 19.99 % now.

I started with BofA in 1979. In 2009, I had a checking account, saving account, vehicle loan and credit card account with them. I had never made a late payment or had any credit issues. That year, I made a $5,000 purchase on my credit card which had a $20,000 limit. Within two months, they had dropped my limit to $10,000. When I called to find out why, I was told everyone was doing this and they were just following the industry standard. The following month it was dropped to $7,500 and the interest rate went up. Again, I called and received the exact same answer. So they penalized me because they could. I paid half the debt and again they dropped the limit.

In December 2011, I was notified that a suspicious charge was on my account. At that that time I spoke with a Mr. D at Bank of America. It turned out it was a charge that I had not authorized. Mr D suggested the easiest thing to do was to cancel my account which I have had since 1979 and get me a new account number, which was done.

I had a BOA credit card for over 6 years. My credit limit reached a high of $18,500. For the last 3 years I carried a full balance. I never had a late payment and always made the minimum payment and did not use the card at all till I had paid down my balance owed to $13,500. They cut my credit limit to $13,500 without warning. Ok that was annoying but it was just after the economy crashed so I didn't complain. I just paid my card off in full this month January 2012. 12 hours later they closed my account. They did not let me know. I have a FICO of over 700 and the only bills I have now are some small medical bills and car payment. I found out when Sirus sent me an email saying my auto-deduct payment was declined. This company is undependable 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.

I was confused about the amount of interest I was being charged on my credit card and I had both an agent and a manager explain to me that I was being charged my APR each month. They were explaining that out of every $100 of balance I owe, I was paying $16.24 each month, when in fact that is not true. In fact, I am paying a daily rate which is 16.24/365 X number of days in the billing cycle. I asked the manager, Patti, to calculate for me the actual interest rate charged on the monthly statement so I could understand how it was calculated, but she couldn't do it. She didn't understand how to do the calculation and then proceeded to tell me (with a raised voice) that it is my responsibility to understand the terms and agreements, and not theirs. I explained that I understand it's not their responsibility to manage my finances, but it is their fiduciary responsibility to be able to explain and advise the financial terms accurately and in a manner that I will understand. She said it's not.

I have automatic withdraw from my bank account. So I simply change my monthly payment to the minimum amount via mail and they received and acknowledged. They impose a $25 late fee to my surprise. I always have money on my account and B of A still did not remove the $25 late fee! Question: why B of A imposed that late fee?

I paid for Credit Protection Plus for many years on BOA credit card. I had moved to another state and gotten work as a dispatcher at the county sheriff's office. We were assured that we had jobs and that the economy would not be a risk factor. Three months later, I was laid off with two other dispatchers. I then returned to my home state and applied to BOA Credit Protection Plus for unemployment and was denied because I had not worked at that job long enough and was, therefore, not qualified for unemployment benefits. I did not get upset and understood this decision.

I called Bank of America when I became unemployed to discuss with them my situation and work out a plan that they would be satisfied with during the few months I would not be able to make my normal payment. They were very nice and told me about a program they had that were for people in my situation. They would lower my monthly payment with the agreement that they would close my two cards so I could not use them and they would draft the monthly payments directly from my checking account to ensure they got their payment. They ensured me that this way this situation would not affect my credit. They withdrew the money every month and I was completely satisfied with the plan.

I called to inquire about my transfer options. I had recently paid off $6200 of the $12200 balance. After answering a couple questions, the woman cut my credit limit $14000. I have a credit score in the high 700's, I've never been late with these people. The supervisor, Amy Edwards, stated that hit had nothing to do with my record as a customer and strictly about the numbers.

I was out of town for 6 months, and was not able to arrange for the credit card payment of around $30. I came back and called BOA credit card. A/C was blocked (which was fine), and the balance was $240. I requested the account to not charge the fees for late payments, etc, as I was not in town, and no family member was there to take care of the balance. I was informed that it was an oversight. I was advised to make the account current, by paying in full, so that the bank could restart the account and then refund the fees. That was done immediately.