Last spring we obtained a BofA card with a $5000 credit line. We used this card to go on vacation, and for misc. purchases. We have other cards and none of them have ever been late, nor have any payments on this card. We paid more than minimum every month, but didn't pay down the 0% interest balance in favor of paying larger amounts on the cards that were charging interest. Our BofA card started charging interest this month, so this month we made a substantial payment on the account, and were reward by
BofA reducing our credit line by the amount of payment. They could give no reason other than we were subject to a credit review by their committee - no more explanation than that. My spouse is a disabled veteran, and we pay all our bills on time. I think this speaks quite loudly of just how little any of us mean to this conglomerate. I can't wait to pay off the card, and close this account.
I signed up for a savings and a checking account and i specifically asked Cristina if i would get charged a fee and she specifically marked and stated that i would not because i meet the requirements for my fee to be waived. Two months later i got charge a 25 dollar fee. This is a breech of contract. I emailed Bank of America and they said i had the wrong savings account and the fee was correct. So they stated that their sales banker is incompetent and a liar. Whom violated verbal contract. Who knows nothing of any fees or how to waive them. She also ran my credit without my knowledge. And took a paper with my social security number on it out side the room for ten minutes. And she also spelt my name wrong when she had my drivers license right in front of her. WORST BANK EVER.! Incompetent, liars, poor customer service.
My account had been overdrawn, and if the account is overdrawn for 5 days, B of A charges a $35 a day fee. (Extended overdraft fee)
I overdraw my account every week (money is tight). Each week I recieve an email stating that I'll be charged this fee if money isn't in the account by the fifth day. I always have the money in there on the fifth day due to my husbands direct deposit from work each week. Last week my email stated that if there wasn't money in my account by the 6th, I would be charged this fee. I wasn't worried because, like I said, this is a weekly thing for us, and I knew that our money would be in there at 12 a.m. on the 6th. It was. I woke up with my husband at 4 a.m. and while I was up, I checked the account, everythingwas fine . I paid our phone bill and bought 1 christmas gift. I had just enough money in the account left to buy our 1 yr old his diapers for the week. But when I went to buy them, my card declined. I checked my online banking and realized that B of A had charged a $35 extended overdraft fee. So therefor, my son had no diapers this week. The first time I called I got a really ghetto guy who had no clue how to answer my questions. I asked for his manager and she was even younger and ghettoer! She had NO concern with my needing help. I asked for her boss and she told me no! These two wete obviously toying with me and my sons diapers. So I hang up and call back. I get this other guy who explains what the fee is (duh like I don't know) and that it won't be refunded but I can go into a branch. So by now, I'm in tears. My husband leaves work early and we go to a branch here in sacramento on broadway. The lady looks at our account and says " u already called to remove this and it won't be happening"
THEY CAUSED MY ACCOUNT TO BE OVERDRAWN 7 DAYS BEFORE WE GET PAID AGAIN, IN ORDER TO COLLECT ANOTHER $70 IN FEES NEXT WEEK TOO!! My baby has no diapers thanks to bank of america. They also wouldn't let us close the account!