Bank Of America Unfair practices; usury; deceptive practices Wilmington Delaware

Like many others here, I had two cards originally issued by MBNA when Bank of America took over. First, they raised the minimum payments to nearly double what they were under MBNA. Then, they started raising interest rates. I had large balances, true, but I always paid on time. Of course, they would claim they received my checks a day late so they could charge me a $39 late fee.

I recently transferred the debts on these cards to a much lower (3.9% versus 26% at BofA) rate so I could try to get my debt paid off faster. Immediately, I got two letters from BofA. On one account, they told me they were closing it (I haven't used it in a long time, but still had a balance I was paying off). On the other, they said they were lowering my credit limit from $15K to $2K because I have too much debt. That part is certainly true, but I *know they wouldn't have done either of these things if I hadn't transferred the balances. Now they can't get their ridiculous interest rates out of me, so they did this. When I called them, they basically told me, "tough luck." They were extremely rude and NOT willing to help. My debt problems are of my own making, but WHY is it that when someone is trying to do something to help themselves out of a hard situation, companies like BofA make it even harder?

Elizabeth
Katy, Texas
U.S.A.