Complaint Review: Bank Of America / FIA Card Services - Gold Option Lines Of Credit - El Paso Texas
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- Author Confirmed
- Bank Of America / FIA Card Services - Gold Option Lines Of Credit P.O. Box 981811 El Paso, Texas U.S.A.
- Phone: 800-598-5356
- Web:
- Category: Banks
Bank Of America / FIA Card Services - Gold Option Lines Of Credit Predatory! unjust! raping consumers with APR hikes! incompetent!!! El Paso Texas
*Consumer Comment: MELINDA, ANDREW CUOMO IS THE ONLY PERSON IN THE USA WHO......
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Nov.2007: Signed up for a Gold Option Line of Credit w/ BoA. (MISTAKE!!!!)
Apr. '08:Enrolled in their direct debit program.
Sept. '08: I rec'd a call from BoA rep that my Sept payment was late! Was told that it was thier "glitch" and I would not be penalized at all.
Nov 20, 2008: rec'd a letter stating my acct was closed due to payment activity.
January '09: I call BoA and was reassued several times by a rep that paymnt was rec'd and all was fine. 4 days later, I get a call about my payment being late!Anger ensues. Explained situation to rep, was told I would not incur fees.
February '09: statement received reflecting fees that I wasn't supposed to incur. Noticed min. pymt went up by $60 and asked why, Gold Option Credit rep tells me my APR was increased to 19.99%! (even tho acct is closed). Asked why I wasn't informed.. "It was in your orginal member agreement". I expressed my disgust & was told "Well maybe you should take your account to another company" (there's that A++ customer service!)
March '09: begrudgingly write to BoA for "reconsideration" attached letter from my bank stating acct balance for dates in question. Letter was "never received".
early April '09: cancel direct debit program but was told 4/30 payment would still be automatic.
April '09: resend letter from March. I await a reply.
Today (5/1/09) call re: April payment not coming out of account, am told that it was canceled and the 30th was not pending, I need to send payment - complete opposite of what I was told early April '09.
Overall - COMPLETELY DISGUSTED! and one short step away from getting an attorney.
*KEY ADVICE* There are 13 call centers for BoA. BE SURE TO ASK WHAT CALL CENTER YOU HAVE REACHED.
I have a file 3 inches thick, letters, copies of statements, logs of all calls made. Its getting to the point where I won't be able to afford the payments.
Can ANYONE help the consumers?!
Melinda
Stanhope, New Jersey
U.S.A.
This report was posted on Ripoff Report on 05/01/2009 01:28 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bank-of-america-fia-card-services-gold-option-lines-of-credit/el-paso-texas-79998/bank-of-america-fia-card-services-gold-option-lines-of-credit-predatory-unjust-rapin-448082. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
MELINDA, ANDREW CUOMO IS THE ONLY PERSON IN THE USA WHO......
AUTHOR: Karl - (U.S.A.)
SUBMITTED: Tuesday, May 05, 2009
CARES ABOUT THE AMERICAN PEOPLE!
Our government 'leaders' are obviously more concerned with protecting the banks, & the FED, who CONTROL America, & the rest of the world!
Send your info to Mr. Cuomo, the Attorney general of New York ASAP!!
THE POLITICIANS ARE NOT ON THE PEOPLE'S SIDE!!! THEY ARE UNDER COMPLETE CONTROL OF THE FEDERAL RESERVE, in my opinion.
Also, 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch it on the web.
Good luck to you!
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