Bank of America Credit Card Customer Service Rip Off!!!!

In September (2008) My husband and I were forced to take out another credit card to pay for our 1 month old sons funeral. He passed away from a horrible and painful disorder called CDH, he never even got to come home. Well because of him being in the Nicu my husband used FMLA to be with him as much as he could. We did not get paid for half of August and half of September. We then had to use the card to pay some bills, since we had no income for a whole month. We THOUGHT the card was no interest for a year, Thats what we applied for when they sent us the offer, but they gave us a different one instead I guess. Well we were close to the limit and the lovely finance charge came, and that put us over the limit and a fee was assessed. I called the company and got a real nice lady and she explained to me how to not let it happen again, I just had to make a payment of $100 within a week. I made $125, that way we would be ok. Well I logged onto my account and saw yet another over limit fee, for no reason, I was nowhere near over limit. So I called and got some Asshole (supposed Manager) and he told me that when your card goes over you have 20 days to fix it, I called on the 21 day. You see if you dont fix it in 20 days they charge you again. Well when I called the first time they did not tell me this. Had I not made that extra $25 on my payment we would be in a downward spiral of over limit fees. The 2nd "customer service" (I use that term lightly) agent could care less and said that they already gave me back one of the fees so they will not do it again, even when it is their fault for not telling me all of this info. If they would have given us the card they offered, the one we signed up for this never would have happened. I have a few credit cards and thought HSBC was horrible, think again, at least they work with you a little bit (besides that credit protection they keep "forgetting" to take off, but don't forget to charge us for) We have great credit but I am willing to hurt it a little by canceling my account with them. Horrible, Horrible customer service, if you can even call it that.

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I see I am not alone in my "dislike" of BOA. I (we) got an offer in the mail for 0% int for a year on a card that is serviced by BOA. We hadn't used this card for awhile (had paid it off) so I decided to transfer another card over. I have always made payments right on the CC site and never had a problem, however, all of a sudden my payments are rejecting for some unknown reason, so they proceeded to charge me fees for returned checks, fees for late payment, etc. I t doesn't end. When I contacted them they said there was a hold on my acct. NOT!!! I work at the bank, I would know if there was a hold on my acct. No one helps me to see WHY this is happening, I can't see my own information! I feel very helpless and now see why BOA is still in business, they steal from customers. They should be called Bank of Ripoffs! I learned a valuable lesson, I will NEVER deal with BOA again!!

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First of all I want to say I'm sorry for your loss! I also agree that Bank of America is a complete ripoff! I received a notice in the mail of increase of percentage rate unless I contacted them. I called and was told if I didn't use the card that the percent would stay the same. I agreed and didn't use it. I donate to WWF (wild animals) monthly of only 10$ and forgot to switch it to another card. Once I got my statement I called WWF & had it taken off. I had called B of A & told them but they wouldn't do anything until it was posted. So upon calling the second time I got this complete jerk on the other end of the phone. Not only did he NOT change the percent like they had agreed too...but he decreased BOTH of my credit cards available money to only 200$ over the debt!!!! Causing it too look as if I had maxed out both cards!!! This decrease on one alone was over 10,000 of available credit. Now we all know what that does to your credit report. What really pisses me off is.. I never asked for that credit in the first place! One day you just get a letter in the mail stating they increased your amount of avail credit. Now it's hurting ME because they can't run a business! I've had that particular card for 10yrs+ (NBNA though before B of A took over) I was so mad it made me sick all night! I've NEVER been late on a payment & pay atleast 50-100$ over monthly payment. He asked my profession which is an RN..which means my job is very secure and for the most part untouched by this economy. I don't make a certain amount per paycheck & have overtime available. I immediately paid one down to less than half the next day & plan now to cancel the cards. I've got many years left to my life & will never use them again! AND I will be sure to inform others fo reasons to not use them! One family member of mine owns three businesses and took his money elsewhere a few years ago for all their non stop fees for this or that. I should of done so then! I also like how they make sure they take the bill out with the highest amount first & that puts a bunch of little ones behind just incase they bounce and then they can get multiple fees! You can transfer between accounts immediately...but if you transfer money to B of A cc it takes days to post...but of course it's taken out of your account immediately. So they are not paying you interest on that money & by taking days to post to cc we pay them interest!! It's all about them taking all they can!