I have had a credit card with Bank of America since 2003. When I first opened my account I had a Checking and Saving accounts as well as my credit card account. I had problems with my checking and savings accounts within two years of opening the accounts and choose to close them as opposed to contiuning to do business with Bank of America. When I closed my checking and savings accounts I was informed that if I choose to close my credit card account it would effect my credit score negitatively. I had not had any problems with the account so I kept the credit card open. I have always made my payments on time and paid slightly over the minimun required amount. On my most recent billing statement the payment from last month (April 2011) was not credited to my account. I called to inquire why this payment had not been credited to my account even thought the check has already been cleared through my current bank account and after being transfered three times was told to contact my bank and advise them that a processing and coding error had occurred. I have the proof that Bank of America received my payment however they have taken the position that my check is not enough proof of payment for them they would not even advise were a copy of my check could be sent to dispute this matter. This is not legal and I plan to continue to dispute this issue with them. I would never recommend this company to any I know.

Recently, I was charged around $700 in overdraft fees from my Bank of America Checking account. The problem originally started when I made an accounting error and left my checking account with insufficient funds. I did not realize this, and used my debit card for my normal spending (many small items such as gum, drinks, etc). I used the card around 25 times and was not notified once that there was insufficient funds to cover the amounts.

Therefore, I was charged around $30 every transaction. It was only when I checked my online statement that I found this out. I promptly called Bank of America to try to get my money back, however they would not budge. I asked why they would let me keep charging small items on a card when the account did not have enough funds (although I knew the answer was so that they could keep charging fees and making money).

I remember reading somewhere that they made around 40% of their banking profits on overdraft fees alone, now I believe it. I have been a member with Bank of America for over 10 years and cannot believe what they are doing is not illegal. Also they raised the rates of 2 of my “fixed rate credit cards” for no reason other then “they did not like my payback habits” (although I was never late).

Shame on you Bank of America.

BEEN TRYING TO DO A SHORT SALE FOR THE PAST 3 YEARS, 02-08 TO 04-11. JUST RECENTLY I'M TRYING TO DO A DEED N LIEU AND STILL CANNOT GET A FINAL OR DEFINITIVE ANSWER FROM BANK OF AMERICA, MONTH TO MONTH IS A DIFFERENT STORY AND ONE DEPARTMENT DOES NOT KNOW WHAT THE OTHER DEPARTMENT IS DOING.
IT LOOKS LIKE THEY CHANGE THE RULES AS THE GO.

Let me start off by saying, I'd have loved to post my complaint directly to Bank of America's website… but they require a login before doing so, and unfortunately the inability to log in is the crux of my problem. Too bad BOA, your system is biased against people having problems with your website.

***

Here's what happened. I had a semi-urgent task to complete in Online Banking, and upon logging in the same way I always had, the site kept telling me "You have not entered your Online ID. Please do so and click the Sign In button."

I had indeed selected my ID. The site just wasn't acknowledging it.

The response that I was given was that "you are an esteemed Private Wealth Management customer" and "Though it is a privilege to assist customers like you, our bank has marked your accounts to receive assistance from our Relationship Manager appointed especially to manage your accounts."

Fine. Frustrating that my "esteemed" status required me to jump through more hoops, but oh well. So, what's the contact information of my Relationship Manager?

The response to this question - TWICE - was to "call us at 1.800.878.7878 and receive the same dedicated assistance. We are available 7 a.m. to 10 p.m. Monday through Friday Eastern Time."

The second time really bothered me; clearly BOA has not empowered its customer service staff to think for themselves, so she just went right back to the script and posted an identical answer **and I mean identical** a second time.

At that point, I'd had it. When I need access to my account, I need access to my account. Bank of America, you can either make this easy on me, or hard on me. I don't have time to jump through hoops at 850am on a work day. BOA completely failed me today.

Received a notice from Bank of America today that they are lowering my credit limit due to delinquency with one of their affiliates. This problem started in Feb when their automatic payment system didn't kick in because the due date of the payment falls on a Saturday. I had instituted Auto Pay for years and suddenly 2/19 which was a Saturday caused me problems. I called and checked, the representative told me that it happens to several others because sometime during the year an Autopay schedule will fall on either a weekend or a holiday. Rep said, don't worry it has been taken cared of, it won't affect your account adversely, 3/19 was coming so I said do I have to make an advance payment on the 18th so this will not happen again, the Rep said, no you don't have to do anything to disturb the already scheduled payment, it will reverse itself and it will not affect your credibility neither will reflect a late payment on your side. WRONG assurance, if that Rep reading this right now. YOU gave me a false reassurance because 3/19 payment didn't even kick in. I again received a letter stating that I have a LATE PAYMENT! It took me almost an hour talking with the Representative (Ian) to have this problem taken cared of. I so thought it was all of it. Ian (Rep) promised me, it won't affect me adversely, neither would those "LATE PAYMENTS" be in my permanent record. He offered to write a note that those late payments were not my fault. It was their faulty AUTOMATIC payment system that caused all these problems, yet I have to deal with the long conversations with the Representatives.

Today, when I received the letter saying that they are lowering my credit limit because I have delinquent payments with one of their affiliates? I just made the call and their Representative (Jenna) of the Cleveland Office said it was related to that AUTOMATIC pay (LATE PAYMENTS) that triggered their lowering down my Credit Limit. Bank of America, it was not my fault. it is your AUTOMATIC payment system that caused all these and now YOU are getting back at me? BEWARE consumers! I am checking if anybody else has similar experience, or has filed any CLASS ACTION. We have to fight back, we had been too loyal to BOA but they don't care about that anyway. I am so disappointed! BIG TIME!