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 have since January been fighting with BofA over a charge posted by a vendor with which I disagree. BofA has been anything but helpful. I asked the vendor both in writing and orally for an explanation of its charge and never received a response. I asked BofA to delete the charge on account of the merchant's lack of cooperation but have encountered nothing but snotty letters from its customer "service" department. I asked BofA to provide me with any information it itself received from the vendor and have received nothing. In its last dollop of snot, it informed me it had exhausted its efforts to resolve the issue and that it would not reply to any further communications from me. I am filing a complaint against BofA and have intentionally avoided using my BofA credit card for the last six months, a time period in which I entered into a lot of credit transactions, because I don't want to give that company any further money in the way of merchant fees.
I have never encountered such a lack of cooperation from a credit card issuer. I never asked to have a BofA credit card (BofA gobbled up the original issuer) and will never, ever, utilize Bank of America for anything, even if it's the last financial entity on the planet. What a miserable, consumer-unfriendly company. I hope it follows the route of other financial institutions in the last few years and goes under. Good riddance!
I was out of city and used my Credit card once. the day after I received a call with no introduction that said Your Debit card closed Then I couldn't see my credit account online when I came back I called the bank and I was told that was for security Well who's security? mine or the potential thieve? Imagine another person used my card in another city. You Blocked me online, not to be able to see what's happening to my account while the card is still OK to be used by who ever You kidding me?? They could at least call me and check if it was me?? At the end I see a "maintenance fee" charged in my account too ,which I don't know why is that?
More over, when look at my activities on line, any time in this couple of days I used my credit card , it shows the Type as "Cash Advance" not the regular. Cash Advance from a credit card has charges!!!!!! No wonder why they never blocked the card.
I emailed the bank from the contact page within the bank account-online. They responded back to me almost in 1 week that I have to log in my account and send email from the secure page within my account / online.
Didn't I just do that?!?! so pissed off.
Contacted CEO office. no difference ...