- Report: #307201
Report - Rebuttal - Arbitrate
Complaint Review: Bank Of America
Bank Of AmericaPO Box 15714 Wilmington, Delaware U.S.A.
Bank Of America - Visa Signature Credit Card - BOA Offered 0% Balance Transfer then took away even with ontime payments!!! Wilmington Delaware
*Consumer Suggestion: you let it slide.
*Consumer Comment: Perfect?
Today, I get back from vacation, KNOWING that today the payment is due. I neglected to schedule payment in auto-bill-pay as I do with all other bills but knew I would be home today. I go on their website to pay and noticed that payment wouldnt post until tomorrow, which would make the payment a day late (even so I am physically paying it today, which is on time)!!
So I call customer service, ask if I can make transfer payment or any type of payment via phone. Rep said sure, but it's after 5pm so payment will post tomorrow. I asked, "If it posts tomorrow, will I loose my 0% deal?". She said "Yes, of course you will - becuase the payment is late." I told her to close account IMMEDIATELY and proceeded to transfer full amount back to my other card (5 years, never had a problem with my other credit card company). I am DONE with Bank of America.
SO... Becuase Bank of America's system wouldnt post the payment until tomorrow, even so I am making every attempt to pay the payment ON the due date, they would jack my rate from 0% to the default rate. She (the nasty rep) also said that I was going to be charged a $39 late fee.
STAY AWAY FROM BANK OF AMERICA! I was warned my a good friend but didnt listen. They are a complete scam - even to us folks with perfect credit scores. I hate to see what they do to folks with less than perfect credit.
This report was posted on Ripoff Report on 02/07/2008 09:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America/Wilmington-Delaware-19886/Bank-Of-America-Visa-Signature-Credit-Card-BOA-Offered-0-Balance-Transfer-then-took-a-307201. 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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