...

[prog]

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?

Comments

[lediva.livejournal.com]

Is there any other CC company in the USA at this point?

Citi?

[hrafn.livejournal.com]

Wow. The more I hear about BoA, the more I wonder how much longer they're going to survive.

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.

[jazzfish]

Banco-American? Yeah. Sound advice. I spent years mildly irritated at them but basically too lazy to switch banks. Once it escalated to more than a couple bucks a month, the laziness was trumped by the broke-ness.

While we're bashing BoA

[lyricon.livejournal.com]

I had a checking and savings account with them when I first joined the Navy. I had the accounts for about a year, before I joined USAA. When I called them to cancel my accounts, they asked me why and I claimed it was the $5 they were charging me per month to keep a checking account, when I could get one for free from my new bank.

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