After receiving our VISA card May 2008 we were encouraged to use it to enhance our new business of which we did; remodeling, new fixtures and such. After paying $50 to $100 over and above the required minimum payment and never paying late or missing a payment we were informed that our interest rate is to almost double. The excuse from VISA customer service was that we are not paying off the debt aggressively enough. I asked if that was the case why would they not require a larger monthly payment? They said that would not help the situation. I asked what amount of payment would be satisfactory to avoid this shake down and she said she was not in a position to tell me the required amount. So Bank of America VISA is basically extorting a larger interest rate out of us because we have been paying our debt plus some and have made timely payments. If this is not resolved we will pay off the debt in full and transfer all of our corporate accounts out of this mafiaso organization. What a disgrace these people are.

I have held several accounts with Bank of America that I am now in the process of closing. Six years ago I opened a checking account that I was told "No Fee, No minimum balance". Beginning in February on this year I noticed the Bank started to deducted an unauthorized fee from my account. Just because I entrusted them with my account information should not legally allow them to begin taking money from it. And six years later??? Most businesses would send a bill not go directly into your account. I went to the branch office and was told it was an error and they credited the money back. Again in April I found another deduction. This time I called and was told they told me they have never offered a "No minimum balance account" and that I could avoid the fee if I opened another account. I fully intend to open another account but never again with Bank of America.

I bought E efficient windows...but I did not get what I ordered..B of A, despite my documentation, and I had to send it over 6 times...would not give me a credit. And then they have closed my other cards, even tho I have paid in full every month for over 10-years and have ruined my credit score and file...

Bank of America and how they work by trying to overdraft your account so they can make money off of you.And have the balls to tell me over the phone that they dont care.

On March 11, 2009 I attempted to make a $1000.00 payment on my credit card account I have with Bank of America. The normal online system was not working at that time so I called the help line and they directed me to another web site called "easypay.com". I made the payment and thought everything was fine until I checked my account activity on line on March 25th, 2009. To my surprise, due to a routing or account number error with my bank the $1000.00 payment had been charged back to my card along with a $39.00 late fee.

I immediately called an account representative and he explained what happened with the routing/account number and agreed to waive the $39.00 late fee and credit me back $164.00 of interest charged to may account because of the error. At that time I questioned why I had $519.73 of charges that were showing as a cash advance as I had never used the cash advance option on this card. The interest rate on a cash advance is 24.99% apr. as compared to 15.99% apr which is the normal rate on this account. He said he would move that out of that area and into the lower interest rate options as the whole error had been resolved and that I was not to worry about it.

On April 1, 2009 I rechecked my account and found that I was only credited $19.50 on the late fee and not the full $39.00 as promised and the $519.73 was still being charged the 24.99% as if it were a cash advance. When I asked about the account reps that said it would be taken care of she said they lied to me.

I contacted the help line again and spoke to the supervisor, Sally Tordoff, and she informed me that it could not be moved out of the cash advance interest rate, they would not refund me the rest of the $39.00 late fee, and that I was at fault for being late with the payment. I offered to pay of the $519.73 at that time so I would not be subjected to the 24.99% rate until the account is paid off. She said that was not possible. She admitted having problems with their webiste and even at that time I could not make a payment because the site was not working correctly. She actual;y wanted me to use the "easypay.com" web site again.

I have been a customer with B of A since 1988 and this is very poor treatment. The $519.73 at 24.99% apr could add another $2000.00 in interest I will have to pay over the life of this loan..This is just another way for B of A to to rob from the customer.