When it rains it pours

It also appears that my BoA CC has been pounding an extra $25 out of me every month for four months, because the automatic bill-payment I have set up with them activates the day after my monthly bill is due, so they get to hit me with a late fee each time.

Let's see if I can call them on this without them sending a SWAT team to my house or whatever the fuck it is they do now.

...

And they're not giving it back to me.

What happened: the bill payment I set up back with MBNA was depositing $100 into my CC account at the end of every month. By BoA reckoning, this is always late, because payment is due a day or two before that, and payments made between that date and the start of the next month don't count towards the next month's minimums. Therefore, I was late every single month since they started keeping track in October, despite me giving them more money than they were asking for every time.

The nice lady I talked to only smiled and shrugged at me about it.

Fuckers. Never use BoA. I wouldn't be if they hadn't bought the company I fuckin signed up with. Is there any other CC company in the USA at this point?