• Report: #245555

Complaint Review: Bank Of America

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  • Submitted: Tue, April 24, 2007
  • Updated: Sun, July 29, 2007

  • Reported By:Tampa Florida
Bank Of America
bankofamerica.com Tampa, Florida U.S.A.
  • Phone: 800-9006651
  • Web:
  • Category: Banks

Bank Of America, MBNA Express Payment. $12 fee for Bill Pay Choice for MBNA Card and Tampa Florida

*Consumer Suggestion: The payment due date should be honored for online bill pay

*Consumer Suggestion: PAY ATTENTION when responding!

*Consumer Comment: I'll be more careful in the future....

*Consumer Comment: I'll be more careful in the future....

*Consumer Comment: I'll be more careful in the future....

*Author of original report: You CAN NOT make an Online payment ON the DUE date

*Author of original report: You CAN NOT make an Online payment ON the DUE date

*Author of original report: You CAN NOT make an Online payment ON the DUE date

*Author of original report: You CAN NOT make an Online payment ON the DUE date

*UPDATE EX-employee responds: Payment option

*Consumer Comment: Kind Of A Rip

*Consumer Suggestion: An easy solution here! DO NOT pay ON the DUE DATE!!

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Bank of america's express pay ripoff:

This is the second time that I try to pay my bill using bank of america ON the "due" date, and can't. When bank of america bought MBNA, they changed my due date from the 27th to the 24th and when I tried to pay online on the 24th my bill, the system tells me the only way I can pay on that date is if I use "Express pay"... nowhere in that page, they tell you that "Express pay" has a $12 fee, but according to the service representative I had to agree to their terms to use the site.

The service is terrible (indication that they are having a lot of problems with customers -- this service representative told me that ALL supervisor was in a "meeting" and asked for my telephone and said I would be called within 24 hours, I didn't believe her and called again and talked with another representative that passed me his supervisor). The first time I bit the bullet and paid the fee, but the second time I had to hear the supervisor and service representative basically call me irresponsible for paying at the last moment and look into my record and tell me that I had paid late once! before they told me they would remove my "fee" (still to be seen).

The interesting thing is that they don't allow to pay on the due date on a weekday during work hours from the same bank (I was trying to use my bank of america account to pay).

Anyways, ripoff from bank of america everywhere:
1. When they bought MBNA, they changed my due date.
2. The due date is not really the due date, since you have to schedule your payment at least a business day before the "due" date.
3. Bank of america payment site only allows you to pay on the "due" date if you use the "Express pay".
4. The Express payment option doesn't tell you that there is a $12 fee, nor is there any explanation (didn't find it).
5. Representatives imply that you are irresponsible for for paying on the "due" date. This comes very easily to them, they might just tell everybody the same thing.
6. Irresponsible service representatives evade calling their supervisor when asked.
7. Supervisors look for your previous records to try to create a pattern and imply that you are irresponsible.

I usually pay my month's balance and have very seldom paid late. I feel like I have been treated unjustly here.

Jose
Tampa, Florida
U.S.A.

This report was posted on Ripoff Report on 04/24/2007 10:51 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America/Tampa-Florida/Bank-Of-America-MBNA-Express-Payment-12-fee-for-Bill-Pay-Choice-for-MBNA-Card-and-Tampa-245555. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 12Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

The payment due date should be honored for online bill pay

AUTHOR: Consumer Anthony - (U.S.A.)

I'm in agreement with Jose. If a payment is made on the payment due date, it should be honored--without late fees. Yes, it's probably good practice to pay bills well in advance, but if that is not possible, a consumer should get credit for paying a bill on time, even if it is on the payment due date. The alleged benefit of online banking and bill pay is convenience for the customer and less cost for the bank. Moreover, other consumer-facing online businesses accept and process online payments immediately. Why can't B of A do that? (FYI, B of A accepts pay-by-phone payments, which are posted same day of transaction. There is a fee for this, as you might expect.) I'm sure that Bank of America has the technology to make online bill pay work. What's missing is the will to do it, as well as the best interests of the customer in mind. Bank of America profits handsomely from late fees, and they have created situations to make the customer seem "late" when, in fact, the customer paid on time.
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#2 Consumer Suggestion

PAY ATTENTION when responding!

AUTHOR: Steve - (U.S.A.)

This is for Anita and Cory,

Anita, thanks for the advice, but I never posted anything to do with problems making payments.

Cory,

I never said anything about making payments on the due date. I suggest YOU re-read the post.

Paying any bill on the due date is a bad idea.



>>>
Hey Steve,
you can visit any Bank of America branch and pay your bill there, even on the due date, and is posted on your credit card account right a way.
So, you don't have to pay any fees online.
Good Luck!
:)

Anita - Marblehaed, Massachusetts
U.S.A.



Update Submitted by the original author
Submitted: 4/25/2007 2:06:26 PM Modified: 4/25/2007 5:04:38 PM



You CAN NOT make an Online payment ON the DUE date



Steve,

Please go back and READ my post. The ONLINE system will NOT let you pay on the due date unless you pay them $12 for the "privilege" of paying on the due date. Does this make sense to you?

I am sure that must be written somewhere in small letters, but this is clearly a change of strategy since MBNA used to let me pay on the due date.

Cory,

Yes, it is kind of on the gray area, but I believe it is unethical to try to take advantage of clients by using that gray area.

I am sure that I am not the only one that has encountered this problem, since the service representatives were well prepared to answer anything I said.

I might go back to the user agreement, wherever it is and try to read their "definition" of due date.

Thanks

Jose - Tampa, Florida
U.S.A.
>>>
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#3 Consumer Comment

I'll be more careful in the future....

AUTHOR: Lori - (U.S.A.)

After reading this report. I pay ALL of my bills, including credit cards, cell phone, telephone, cable, mortgage, elec....on the due date, online, using my account. I've never been charged a fee to do so, neither have I ever had a late fee. It's always been my understanding that as long as the payments are made before 3pm, we were good to go. Guess I better check the fine print or move my payment date back a couple of days...
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#4 Consumer Comment

I'll be more careful in the future....

AUTHOR: Lori - (U.S.A.)

After reading this report. I pay ALL of my bills, including credit cards, cell phone, telephone, cable, mortgage, elec....on the due date, online, using my account. I've never been charged a fee to do so, neither have I ever had a late fee. It's always been my understanding that as long as the payments are made before 3pm, we were good to go. Guess I better check the fine print or move my payment date back a couple of days...
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#5 Consumer Comment

I'll be more careful in the future....

AUTHOR: Lori - (U.S.A.)

After reading this report. I pay ALL of my bills, including credit cards, cell phone, telephone, cable, mortgage, elec....on the due date, online, using my account. I've never been charged a fee to do so, neither have I ever had a late fee. It's always been my understanding that as long as the payments are made before 3pm, we were good to go. Guess I better check the fine print or move my payment date back a couple of days...
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#6 Author of original report

You CAN NOT make an Online payment ON the DUE date

AUTHOR: Jose - (U.S.A.)

Steve,

Please go back and READ my post. The ONLINE system will NOT let you pay on the due date unless you pay them $12 for the "privilege" of paying on the due date. Does this make sense to you?

I am sure that must be written somewhere in small letters, but this is clearly a change of strategy since MBNA used to let me pay on the due date.

Cory,

Yes, it is kind of on the gray area, but I believe it is unethical to try to take advantage of clients by using that gray area.

I am sure that I am not the only one that has encountered this problem, since the service representatives were well prepared to answer anything I said.

I might go back to the user agreement, wherever it is and try to read their "definition" of due date.

Thanks
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#7 Author of original report

You CAN NOT make an Online payment ON the DUE date

AUTHOR: Jose - (U.S.A.)

Steve,

Please go back and READ my post. The ONLINE system will NOT let you pay on the due date unless you pay them $12 for the "privilege" of paying on the due date. Does this make sense to you?

I am sure that must be written somewhere in small letters, but this is clearly a change of strategy since MBNA used to let me pay on the due date.

Cory,

Yes, it is kind of on the gray area, but I believe it is unethical to try to take advantage of clients by using that gray area.

I am sure that I am not the only one that has encountered this problem, since the service representatives were well prepared to answer anything I said.

I might go back to the user agreement, wherever it is and try to read their "definition" of due date.

Thanks
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#8 Author of original report

You CAN NOT make an Online payment ON the DUE date

AUTHOR: Jose - (U.S.A.)

Steve,

Please go back and READ my post. The ONLINE system will NOT let you pay on the due date unless you pay them $12 for the "privilege" of paying on the due date. Does this make sense to you?

I am sure that must be written somewhere in small letters, but this is clearly a change of strategy since MBNA used to let me pay on the due date.

Cory,

Yes, it is kind of on the gray area, but I believe it is unethical to try to take advantage of clients by using that gray area.

I am sure that I am not the only one that has encountered this problem, since the service representatives were well prepared to answer anything I said.

I might go back to the user agreement, wherever it is and try to read their "definition" of due date.

Thanks
Respond to this report!
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#9 Author of original report

You CAN NOT make an Online payment ON the DUE date

AUTHOR: Jose - (U.S.A.)

Steve,

Please go back and READ my post. The ONLINE system will NOT let you pay on the due date unless you pay them $12 for the "privilege" of paying on the due date. Does this make sense to you?

I am sure that must be written somewhere in small letters, but this is clearly a change of strategy since MBNA used to let me pay on the due date.

Cory,

Yes, it is kind of on the gray area, but I believe it is unethical to try to take advantage of clients by using that gray area.

I am sure that I am not the only one that has encountered this problem, since the service representatives were well prepared to answer anything I said.

I might go back to the user agreement, wherever it is and try to read their "definition" of due date.

Thanks
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#10 UPDATE EX-employee responds

Payment option

AUTHOR: Anita - (U.S.A.)

Hey Steve,
you can visit any Bank of America branch and pay your bill there, even on the due date, and is posted on your credit card account right a way.
So, you don't have to pay any fees online.
Good Luck!
:)
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#11 Consumer Comment

Kind Of A Rip

AUTHOR: Cory - (U.S.A.)

It figures. They charge you $12 for the "privilege" of paying THEM ON your due date. Thereby avoiding having to pay a $29 late fee or having to pay an overnight postage fee. Alot of people figure it's better then paying a late fee and being late on your credit.

I'm sure some bank weenie thought that one up. Is there any other type of pay service you can use? My wife uses her bank's online pay service, but that takes one or twp days to confirm. The last suggestion is to mail it early as a last resort, avoiding the whole mess.
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#12 Consumer Suggestion

An easy solution here! DO NOT pay ON the DUE DATE!!

AUTHOR: Steve - (U.S.A.)

Jose,

I fail to see how this is a rip off. WHO made the decision to pay ON the DUE DATE? YOU did, RIGHT?

Save your $12 by just mailing a check about a week prior to the due date.

Problem solved.

OR, use the FREE online bill pay service that BofA offers.
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