Report: #1081168


  • Submitted: Mon, September 02, 2013
  • Updated: Tue, September 03, 2013
  • Reported By: Clamity Jane — Newark California

    , Georgia
  • Phone:
  • Web:
  • Category: Banks


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..... "The World has Gone Completely Mad"! Case number: 130617-000106

Related Case Number:120406-000003
What happened
Describe what happened so we can understand the issue... Lied about how much taken out of my bank. Have taken debt cancellation fee $6.05 & included it in with as a refund for card security fees,card security fees change every month according to your balance. The $6.05 was charged to my account when I canceled the illegal withdrawal on Oct 13,2011 for $389.25 minus the $25.00 for that months payment. They were to waive the $15.00 fee for the payment over the phone. They insist they only took out $374.25 when my B of A statement states $389.25.Never waived the $15.00 fee tells me B of A charged me $15.00. Send a check for $349.25 in December 2011 when they knew all the monies had been put back into my
account minus the $25.00 payment on Oct 13, 2011.I Never cashed the check. State that the $6.05 debt cancellation fee which they listed as a card security fee when it was a debt cancellation fee & this $6.05 was only on my statement for one time, yet all statements show debt cancellation fee of $6.05.They took the check of $349.25 (never cashed)& added the $15.00 fee they were to waive but didn't along with the $6.05 which totals $370.30.They state this was never on my statements yet it is right there in plain site. They took this off in August of 2012 yet left it in the balance that I owed. So they never took it off & have been charging me interest since 2011.Then they take the card security fees which change every month according to your balance & gave me credit for $107.53 then they take the $6.05 & add that to the card security fee which totals $113.53 (Copy of letter attached)Then they state that this was only on my statement once & that once credited to the $101.48 the $6.05 that that would total $107.48 in interest paid. This $6.05 has been put into so many places that its totally unreal. They tell me my minimum payment due is $16.00 when my balance is only $15.98 take & apply the $16.00 yet only credit me for $15.98 even though the check was made out for $16.00. Then they take this payment of $15.98 & the $16.00 check & show them on my statement
separate as a late fee refund when they were for a payment (Document Attached). Late fees are $25.00-$35.00.They state they gave me credit for $50.00 never did that was a payment that I made. They took my $75.00 credit that I had & took it off my statements & to this day will not address this issue as to what happened to my $75.00 credit. State they sent me a check for $15.00 for the fee they were suppose to waive yet I don't have it & have NO idea what they are talking about. They pick up payments after 5:00 pm on the 5th & charge late fees illegally even when the payment gets to the post office before 5:00 pm on the 5th.They go into your Pay Pal Account & play with it by putting things in & then taking them out. (Documents Attached) So since this happened in Oct of 2011 I do just that I go in & copy & paste. When I sent one of my payments in I paid $18.00 for guaranteed delivery before 12:00 pm on the 5th of January 2012.There were three attempts made one at 10:00 am, 11:00 am & finally picked all the mail up at 8:30 pm & yes they did charge a late fee (Document Attached). When I went into my Pay Pal account the day before it was due I copied & pasted where they had put payment overdue & then payment late of $25.00. I called a woman her name was Carol who knows if that is her real name she was in Georgia this was on a Saturday. When I told her what I had done & informed her to not take that late fee off she did anyway as I knew she would. Something needs to be done here this bank & credit card are so corrupt,thieves,lier's,fake names,no names I mean I could go on & on. The Consumer Financial Protection Bureau I have NO IDEA why they even exist! What a waste of tax payers money. This agency doesn't read nor retain nor pay attention to anything or have any concept what so ever of what to do. They take & send one of my many complaints to another credit card company that is mentioned no where in my complaint & close out all the different complaints with all these problems with a letter dated April 2012. They just bundled them all together and closed the case. Can you believe that and they have only been in business since 2011 and look at how much damage they have done with just me and all those other people who were charged a late fee because they chose to pick the mail up at 8:30 pm! What a joke! Pathetic Absolutly Pathetic Really Pathetic! "The World Has Gone Mad!"
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