I have finally closed my last account associated with bank of america. I banked with boa for about seven years and had several different accounts with them. While i found that at many different branches the folks who worked there usually had decent attitudes, the overall company attitude of boa has always been one long and tireless fight to ream every bit of money out of you they can. The final straw for me, and by no means the only time, was that my boa cc ended up with an outstanding balance because of a charge that didn't quite make it onto the monthly bill.
My account the ended up delinquent for just over 30 days, over $5 dollars, by the time i had reviewed my account statement it was already late. So because i, a seven year customer who had always kept my accounts up and paid all my bills, had $5 more than 30 days overdue they actually reported to a credit agency! For the next seven years i now have a black mark on my credit score! Seriously boa? I could understand it if i was behind every month, or even if it was a major payment, but over $5 dollars that i paid straight after finding out? All my boa accounts are now closed and i will no longer deal with them. I would feel more comfortable with my money stuffed in a pillowcase.
After being with BOA for years they decided to transfer or sell our Mortgage to a Debt Collector Selene Finance. We had never paid late or missed a payment in years. Bank of America and Selene Finance are not worth doing any business with. Watch out!