Bank of America is pretty much arbitrarily changing the terms for its credit card holders. In the last 6 months, they lowered my credit limit by $3000 without notice. Curiously, they lower the limit as soon as I pay down the balance.

When I called BoA about this, I was told that they would not increase the credit limit. However, a senior credit analyst and a supervisor suggested that I apply for a secured credit card to get a higher limit. I applied for the secured credit card online, and was promptly rejected. (A secured card carries no risk for the bank, since the credit line is secured by a deposit in the amount of the credit limit.)

When I called to inquire about this the next day, I was told by "George" in the secured credit card department that one could not have two credit cards with BoA. So I asked him how to solve my problem. George told me that he could not solve it because there are two separate departments -- one that deals with my credit card and one that deals with applications for a secured credit card. I asked to speak with someone who could deal with both departments; George told me that there was no one, because they are two separate and unrelated items. When I pointed out that the two issues are related because my application was denied because I currently have an unsecured credit card, George said he was trying to "educate" me.

After reaching an impasse, I asked to speak to his supervisor, and this is where it gets weird. George refused to let me talk to a supervisor, saying there was no supervisor. When I asked if he reported to someone, he gave me a runaround saying that "we all run this department." After five minutes of this bizarre conversation, he finally gave me the name Ken Lewis. Lewis is the President and CEO of Bank of America, by the way -- not a supervisor. Finally, George admitted that there was someone who wrote his evaluations; but he refused to give me a name and refused to let me speak to this person.

Has anyone else been refused when asking to speak with a supervisor? This conversation was just bizarre.

In February 2009, I paid my card payment online before noon on its due date, only to learn that the Monday due date was a holiday. Being disabled and unable to work, I hadn't realized that the day was a bank holiday. I had missed one payment a few months before because I mislaid the bill. My fault. I paid the late charge. But missing two payments jacked my interest rate up to almost 20%. Upon checking, I realized that since May 2008, five of the total 13 payment due dates were on days when the bank was closed. If the library in my town can program their computer to schedule book due dates only on days when they are open, why can't Bank of America do the same? I would love to get in on a class action law suit to bring attention to this consumer scam.

I am a bofa acct holder went to the bank cashed my check and did a deposit w my landlord business deposit card. I do this every month and there is never a problem. This time i put 980 in the acct for rent and the receipt came out and said 300. I immediately showed the manager the problem and was told it would fix itself at midnight. It is now 4 days later and not resolved. On top of that I was told there is nothing I can do because im not the acct hoder so i have no proof my rent was paid.

Bank of America has been charging me NSF fees when my account is in the positive. I spent hours researching exactly how they were doing this and finally uncovered it. They are very sneaky!!!
Especially if you use online banking I suggest you start printing out your available balance page every day. Maybe even twice a day. How can you be charged a $35.00 NSF fee for a 26.95 transaction when your available balance before the 26.95 charge was 568.20? Then your balance was$541.25. The next day you deposit 2, 500.00 and are charged two NSF fees for activity they state for the prior day. It doesn't make sense to me! This happened on June 4th and 5th. The 26.95 was charged on 6-4-09 and my ending balance was $541.25. The $2, 500.00 was deposited the morning of June 5th showing my new balance as $3, 041.25. That day I had a $600.00 charge clear my account ( the 5th ). This charge was authorized on the 3rd and the funds put on hold in my account; however, the hold was released on the 4th and the funds were taken off hold and returned to my available balance. The bank is saying that it was this pending charge that caused me to go into the negative. Online banking though showed this charge pending and my available balance after it would clear and I always had a positive balance. They do not make any sense and what they are doing is criminal in my opinion!!!

Bank of America suddenly upped my interest rate to 27%!! I have always paid, each month, more than the minimum due. When I called to talk with someone about lowering the rates, I was told, there is nothing they can do. I am currently going to transfer my remaining balance away from Bank of America and will never do business with these folks again. And we wonder why, as tax payers the government is providing bail outs for corporations such as this??... Bank of America has poor ethics and a bad business sense.