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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?
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?
no subject
Date: 2007-02-21 06:32 pm (UTC)Citi?
no subject
Date: 2007-02-21 06:38 pm (UTC)I have a credit card through my credit union; I do not have an account with any bank. Whether BoA has anything to do with Visa, though, I don't know.
no subject
Date: 2007-02-21 06:42 pm (UTC)I am fairly certain they don't own Visa, at least!
Lobbying is everything
Date: 2007-02-21 07:07 pm (UTC)...Well, no, but it sure feels like it could happen.
no subject
Date: 2007-02-21 06:46 pm (UTC)no subject
Date: 2007-02-21 08:18 pm (UTC)no subject
Date: 2007-02-21 08:30 pm (UTC)Or, you could call BofA's credit card dept and tell them you're going to transfer your balance away, at which point they'll forward you to their "retention" department, where they will actually want to help you with your problem (or otherwise make it up to you) in order to keep your business. Up to you whether you want to deal with this hassle, though.
no subject
Date: 2007-02-21 08:37 pm (UTC)no subject
Date: 2007-02-21 08:40 pm (UTC)While we're bashing BoA
Date: 2007-02-22 01:21 am (UTC)The lady kindly and solicitously informed me that they waived that fee if only I set up direct deposit of my paycheck to my account. Since I'd had direct deposit of my paycheck since the day I opened the account, I asked if they could then refund the money they'd essentially been stealing from me. She said they were only allowed to go back a maximum of 30 days to refund money, so in recompense for my ~$60, they refunded me $5. Then I told them that was the reason I was canceling my accounts.
I definitely feel your pain as far as being screwed over by them. They have terrible policies and absolutely awful customer service.
-Marcella