Complaint Review: Bank Of America
- Bank Of America
- Category: Credit Card Processing (ACH) Companies
Bank Of America MBNA Changed due date on credit card without notice Global Nationwide
*Consumer Comment: The whole BofA and MBNA merger problems...
*Consumer Suggestion: Don't use automatic payments
*Consumer Comment: MBNA was always floating their due dates
*Author of original report: I made a mistake!
*Consumer Comment: The title is deceiving
I have the payment set up so it is made automatically from my checking account. I have been doing this for over five years with MBNA with no problems; also it was working fine with Bank of America for the first few months. Then this month I had a late payment fee of $39.00 on my statement. They had changed the due date without notifying me or updating the automatic payment system.
I called customer service and they said I was notified on my statement that the payment due was earlier, in the Payment Due By box. And that I am responsible to change the payment date in the automatic payment system. I guess I should read the whole statement instead of just thinking nothing has changed.
I guess the problem I have with this is that I am using their system to pay and I have paid promptly for the five years I have had the card. I have made a payment every month for five years and I am still over due. It seems to me this is just an excuse to collect a quick $39 and raise my interest rate.
Customer service was not willing to refund my $39.00 and felt there was nothing unethical with what BOA did. Yes, technically I did pay late but they did a lousy job of informing me they were changing due dates. Why not send an email saying they are changing the due date, or include a letter in with the statement? The bill has always been paid on the same day for the last five plus years. I told then I would be getting back with them in a few days to close out the accounts I have with them.
I don't know if there is much I can do about this but felt people should know what crooks these people are. I told the service representative if you can not trust your banker then it is time to find another bank. I also told him, if they are willing to do this to their customers then what will they do to you?
This report was posted on Ripoff Report on 12/05/2006 02:06 AM and is a permanent record located here: http://www.ripoffreport.com/reports/bank-of-america/internet/bank-of-america-mbna-changed-due-date-on-credit-card-without-notice-global-nationwide-223800. 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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