I am both a mortgage and credit card customer of Bank of America (BOA). Earlier in the year I held two BOA credit cards. Under promotional rates I transferred balances to each credit card. Around March 2009, BOA took over the Upromise credit card program from Citi. At that time my two existing BOA credit cards were enrolled in automatic payment plans with Bank of America.

When I received my new BOA Upromise card, I also set that up for automatic payments. According to a BOA rep, BOA then added a "profile" for my new Upromise card to my online account access. According to the same rep, that process always cancels anything that is set up on my existing online banking accounts. They specifically told me that their update of my profile reset my automatic payment enrollment option to "No." Of course I was not made aware of this, nor did BOA obtain my consent to do this.

The result of BOA's actions were to charge me late payment fees and increase my interest rates. On my call to BOA, the rep immediately acknowledged the issue and corrected the problem, agreeing to credit the over charges. I specifically asked that all features be returned, which includes balance transfer promotions. I was assured this would be reflected in the next billing cycle and that my auto payments would resume again at that time.

Long story short, the balance transfer promotions have been cancelled and BOA has been charging me excess interest for the last 6-7 months. BOA has simply stated that they cannot comply with my request at this time. BOA will not provide senior management contact information and has solely directed me to their "Customer Solutions" mailing address.

This amounts to fraudulent activity and theft in my opinion. I will attempt to contact BOA one last time over the weekend before attempting to contact senior executive Richard Struthers. That failing, I will certainly file suit.

If you have experienced a similar problem with BOA, please feel free to send me a message using this website. To the extent a class action suit is filed, this will be helpful. To the extent my issue is resolved, I can provide you with information about how it was resolved.

My husband called Bank of America back on the 4th of April to close his credit account. No problems there. The account was paid off, so he figured that was that. A few days ago he did a check on his credit report to see that under Bank of America the account was filed as delinquent. Turns out somehow a transaction went through on the 19th of April even though the account was closed weeks prior. This charge, which we have no idea where it came from was basically just sitting there, gaining interest without us even knowing about it. Thankfully when he called Bank of America again to find out what happened, they didn't know, but did clear the charge and "reclosed" the account, if that makes sense. So now we're just sitting back waiting for that to go through so we won't have that delinquent account anymore.

Bank of America helped us in the end, I guess you could say. They did manage to fix their mistake. Hopefully that's the last we have to deal with them.

I have probably had the poorest customer service experience of my life with Bank of America which has continued for the last two months. They lost my mortgage check, told me to put a stop pay, then found it over a month later and attempted to cash. I was charged for a stop pay and they have not reimbursed. They promised to take of late charge, and would not. They even had a copy of the check that was lost in processing.

I faxed them paperwork three times that they said they were processing. The last time I called, a rep said someone dropped the ball and he realized that it was processed wrong, so I needed to fax recent information again. They said it would be another 45 days. I received conflicting information from multifple customer service reps. i even have proof from a loan officer who was on the conference call. It's pathetic. I can never speak to the same person, because they won't let you. I waited on hold for hours only to be transferred five times. I am not exagerating. My friends and family will be cancelling all cards . If I could move my mortgage, I would.

This is the worst bank in history!! Don't bank there!!!

THE WAY THEY POSTED THE TRANSACTIONS IN ORDER FOR YOUR ACCOUNT TO BE OVERDRAWN.. THIS HAPPENED TO ME FOR THE LAST 3 MONTHS, MY DEPOSITS WERE NEVER ENOUGH NO MATTER HOW MUCH WE PUT IN OUR ACCOUNT, THEY ALWAY MOVED THE TRANSACTIONS AROUND SO THAT IT WOULD BE OVERDRAWN.

I have a "Fannie Mae" mortgage managed by Bank of America,
they will not even speak with me about mitgation of my mortgage, to help rescue it from foreclosure. I have called them no less the six times and spent hours trying to reach their mitgation dept to no avail. I thought the government gave the banks money to help rescue mortgages which are severely unside down and in imminent danger of going into foreclosure...BOA is cheating us citizens of the recovery money from the government.