Bank Of America Bank of America fraudulent charges and other scams Tampa Florida

So they advertise if an unathorized charge is made to your account the money will be returned within 24 hours... 24 hours since when? OH, 24 hours after they give the merchant 45 days!! to defend themselves...
two weeks ago there's a $1400.00 charge made to my checking account (via debit card number, which is still in my wallet) at 9:30 at night in France, while I'm asleep in Tampa. Bank of America is the one who's notified me that there's a fraudulent charge and they've closed the card within 2 hours of that charge being made... my frist thought is , wow, fast work, great... No. I have to then file a claim before they will send me a new card, so I do. 4 days later no money returned to my account. I stop in a branch to get real person help, she goes through all the phone transferring and "that's not our department" that I did and 4 people tell her I have filed no claim... the fifth person is appearently annoyed that I want to file a claim because I already have one.. what?! I know I told you that already. Now they are being snotty with me, like I've done something wrong... So I file another claim, 2 more days later there's a temporary charge back to my account. Oh great, so I get to wait 36 more days to find out if I get to 'keep' that money that is rightfully mine, depending on what kind of schtick these french company gives them, meanwhile they cannot tell me how they determine if basically they think I'm lying... Yes, I really wanted to deplete and overdraw my account for a 1400 piece of furniture from france just for fun.

So this leads me to my "real" complaint. My ex husband foreclosed on a house I gave to him in the divorce aggeement that my name was still on the mortgage so I have 'bad' credit. BOA has already decreased my limit on my credit card and then threatened to raise the interest rate (even though I've never missed a payment, and in fact always pay more than is due with them) so I close the card. This fraudulent charge has put $300 of over draft into effect (which don't get me started why the close my card but don't cancel the over draught--- I smell scam all over this) now the fraud claims says they can't fix this, the credit card department says the claims people have to fix this... and I go back and forth and get hung up on several times, each time... can I have your name? your address, your... geez I've said all this 100 times! NO one has returned the overdraft charges and my rate in fact did go up..
I have switched to a credit union I suggest you do the same

Buggedoff
Tampa, Florida
U.S.A.