Recently, I noticed my Bank of America balance going up, and figured it was just the outrageous interest the bank charges on their credit cards. Upon further review however, I noticed it was not only due to their predatory interest rate, but the due date was changing from month to month, so an additional late fee of $39 was added to my bill. They said it was due to by billing cycle, of course, their motivation was to rip me off. Part of the new credit act, is to assign fixed dates from February of this year. It is a crying shame, it took an act of congress for predators like this bank, to change their ways. Bad word of mouth will also be expensive, and that it my guarantee. If you can avoid this fraudulent bank altogether, then do so!

Bank of "America"? Please! I have never dealt with a company more UN-American in their overall business philosphy than Bank of "America". Their business motto appears to be screw the consumer every which way they can, take their tax dollars, and ruin credit scores. It is my firm belief that this major corporation has no appreciation or respect for their customers, even those who have perfect credit with the company. I pay my credit card bill on time every month (NEVER late!), have NEVER gone over my credit limit, more often than not pay more than the minimum amount due, and haven't charged anything in many, many months in an effort to get out of debt. Unfortunately they also hold the mortgage on my home as they purchased the original mortgage company my home was financed by. Again, NEVER late on a mortgage payment, and often pay additional towards the balance due. What's my reward for being a good customer with this company for in excess of 10 years? My credit limit on my credit card has been reduced and my interest rate increased for no reason several times in the past couple of years, which in turn raises my debt to available credit ratio, which in turn lowers my credit score, which could subsequently prevent me from obtaining credit elsewhere to pay off my debt with this company. All while Bank of "America" owes "America" billions of dollars and their corporate managers receive sizeable bonuses? Is this their ultimate long-range business plan? Can we say SCAM?? As I told an agent with Bank of "America" today, I WILL pay the company every dime I owe them, I WILL attempt to get my home refinanced and pay my hard-earned money to a more deserving financial institute, and once that is accomplished I will NEVER do business with Bank of "America" again. I encourage others to do the same. Let's give this company a taste of their own vile medicine!

As for the recent credit card reform act, well, needless to say it has, from my viewpoint and that of many others I know, done more harm than good. Many of the credit card companies merely got their top weasels together to find ways around the new law, and have done so quiet successfully, all to the detriment of consumers. Hooray for us!

Am unemployed. Have auto deposit unemployment which would be been deposited to my Bank of America checking account at 0001 hours on 7 July 2009. Woke up this morning to find that Bank of America had processed payments PRIOR to crediting the deposit, taking $280.00 (8 overdraft fees @ $35.00 each) from my account, leaving only $6.09 for me to live on. I request that the $280.00 be credited to my account immediately.

I have always paid my bills. Now I am getting a bit old and I do forget. I did all my financial business with BOA... ALL.
For years I tried to arrange that my credit card is paid on the due date with funds from my checking account.
I talked to a personal banker and tried on the internet. I can set up a procedure that $15 is paid automatically every month, but this does not avoid the interest charges when I forget to pay on time. Over the years I had to pay hundreds of dollars for various late charges. This is despite the fact that I keep my life savings in a BOA savings account. Today I called their 1-800 number to find out the due date to pay my balance in full. They told me it is in April (its March now). After digging for several minutes, I found out, that I was only 2 days away from the due date. They got me again, but I did pay over the phone, so no harm done.
Considering the low interest rates, I fear better keeping my money under the pillow, next to my 45.
Banking and Credit card is computerized fraud by design.

BOA raised my house payment 36.00 a month due to the escrow increase (property taxes and insurance). This doesn't seem like much to most people, but I live in a small town, so I made a quick trip to the State Farm office & my local tax offices, where I dicovered my taxes went up 100.00 & the insurance 38.00 for this last year. So what does BOA need with the other 250.00 or so?? When I called them on it, I was put on hold for 45 minutes and they never came back on!!! Just think... what if they are doing this to millions of Countrywide account holders! I am in touch with the Attorney Generals Consumer Affairs Office (Wyoming) hoping for some advice and help. Good luck fighting the evil giant!