I helped my dad call BoA to ask for a lower interest rate (he doesn't speak English well) on his credit cards, and my dad had called earlier this month, but he didn't really understand. So I was talking to this lady, and she pretty much said that he wasn't qualified for a lower interest rate, and can only be if he pays on time. (which he does, but I didn't know that until after the call because my dad went to the store right after the caller person talked to him to let me talk about his account- so what is this lady talking about???} She seemed nice, until she realized that his account was in a lot of debt and that BoA had canceled his card. I understand canceling the cards, but damn, her attitude was totally different. And then I asked her what we can do, she pretty much said there's nothing to do. And then I asked for a supervisor, and she said she was the highest I could go. And then I started saying that she was not helpful, and as I was about to say I wan
ted to speak to someone else, she hangs up on me. HANGS UP. And then I call back, and ask for the person I was talking to so I could complain about her, they said they have no record of the call. Of course there's no record. She probably didn't submit it because she hung up on me. Really? I mean, right now, some many people are in trouble, and she has the audacity to hang up on me and not let me talk to some one above her? I did not believe her at all that she was the supervisor. So they gave me an address that I can send a letter to, but that really does no good because its not like they can find out who it is. I can't believe them. My whole family is at BoA and I will definitely move them, and tell EVERYONE NOT to use BoA. Just because they are the only ones surviving this crisis, doesn't mean they can treat people like crap. I can't believe them.

I am letting everyone know BoA customer service sucks. I've had many more problems on top of this, but I am so frustrated, because there is nothing I can do about it except complaint.

I recieved my credit card statement and notice that everytime I make a payment they do not take it off my cash advance 23.9 % rate they put the payment towards my 12.9 % rate . When I called them to ask them why the bank told me thats the way they do it. Wouldn't you think that instead of trying to rip you off becase thats the way I feel, they would put the payment toward the higher interest rate amount, duh! Then we wonder why alot of people are in bad shape financially, because the Banks try to do everything in there power to rip you off!

I recently applied for a Bank of America credit card. The offer that was mailed to me specifically stated, in at least 3 different places, "No Balance Transfer Fee". It was stated on the front of the offer as well as the back. I wanted to consolidate my debts so I transferred 4 balances totaling a little over $19,000 to the card. Now they are fighting me tooth & nail over the Balance Transfer Fees that they are trying to charge me. This bank has the worst customer service I have ever seen. Some seem nice on the phone, tell me to fax them the offer and that they will call me back, and they never do. I just got off the phone with the sixth customer service rep I've spoken to, and this woman was as nasty as they come telling me that my credit will be ruined if I don't pay.

Quite honestly I don't know where the confusion is. The offer states "No Balance Transfer Fee" all over it!!