Ok, so I have a credit card at Bank of America. I've had it for 3 months.

My due date is the 5th of every month, but I get money every month on the 15th. So what I've been doing (for this card and EVERY card I've ever had) is just making my payments on the 15th or 16th every month that way I don't accidently spend what was meant for a CC payment. I've been doing this with other cards for 3 years and have never, EVER had a problem.

For the month of December, my due date was the 5th. I made my payment on November 17th, and everything was fine. Fast forward to the statement due on Jan 5th. I made this payment on the 15th (it was 10x the min payment, cutting the amount owed in half). I went along assumig all was good.

Today, I go look at my statement online getting ready to pay for the month of Feb. Turns out, I have a late fee for Jan, and it says I have not made a payment yet. I'm confused, thinking it's just a misunderstanding. I get on the phone with the representative and am informed that "Since the payment in December (for Jan) was made prior to the closing date of the statement, it was credited to my December statement and will not count as a payment for my Jan due date". I am now 10 days overdue, have to make a payment for Jan, AND for Feb as well. She also said that she can't waive the fee.

Despite me trying to explain to this cuntbag (Conversation started as "Hi, I was looking online and noticed a late fee when I paid in December" "Oh, well it doesnt count. I cant do anything. Anything else?" ... when asked if there was anyone else I could talk to, the reply was "I'm in charge of the account so you can talk to me") that CLEARLY since there are Two Separate large (in terms of ratio to min payment) payments - one at the very beginning of the statement and one that apparently was on the last day - that one was meant for the Jan due date, she insisted that she can't do anything as I havn't made a payment for Jan and I need to do so ASAP.

So now I have to go to the actual branch I frequent and inform them that there will be no further business with them. Which sucks because it's so convienient.

Cliff Notes:

BoA can SMD

Fuck the cock-juggling thunder cunt customer service representitive

Now I'm busy on a Friday when I shouldnt be

Hate life

Now go read the story in full you lazy p.o.s. (<3) and give me advice on if there's anything I can do

Most of these tpyes of stories are best resolved by being friendly. Go in person, don't lose your temper and don't be beligerant. They have the upper hand in a sense, but also don't want to lose you. They are going to push you as far as they can.

Do not leave without getting hte late fees waived. They can do that no problem.

All these companies suck. You just had to suck it up sometimes and be nice to them.

Try taking in a business check that you deposited in your business account at another bank. It was returned due to NSF (BofA company written to yours) and then taking it in a BofA branch. Cannot be given as cash, will only convert it to a MO/cashier check and also with a nasty fee on top of it. F EM! Yes, this is similar at other banks but normally a short 5 minute conversation with a branch manager easily removes the fees and you get your money and can leave happily.

Yup all you can do is say FU BOFA and go to the 2nd closest bank :D. It's what banks hate the most, losing your money and accounts especially credit cards. BTW. I read the entire story first before I read the cliff notes.

Screw them! What a bunch of horse shit that is. Being penalized for making your payments "too early"?!?!?

I'm so mad I just may stop making my mortgage payment, which goes to BofA after the other two companies folded....

But seriously, I'd try speaking to a manager and explain the situation. If, for whatever reason, they refuse to waive the fees then close all accounts associated with them and tell them to go suck Obama's dong for more bailout money.

Why dont you just change your payment date, your bank will not have any problem with that.

 

Originally Posted by CleeShay

So now I have to go to the actual branch I frequent and inform them that there will be no further business with them. Which sucks because it's so convienient.

they wont care dude. you're just another drop in the bucket. save your breath and use the 800 #'s like others in this thread suggest. being calm and friendly will get you a lot further than you think. being a dick is a sure fire way to ensure they don't credit the fee.

Any time I don't get what I want out of a CSR, I ask who I should speak to to close my account. Sometimes I do this as a (zero risk) bluff. Sometimes it works. Always be calm and courteous, because at the end of the day, at least you aren't a person who works in a fucking call center.

 

Originally Posted by emcee21

Any time I don't get what I want out of a CSR, I ask who I should speak to to close my account.

^^^ I've done this to BOA, Sprint, TXU, Comcast, and Capital One. I get what I want every time.

Yes BOA is a POS. I have a card with them and couldn't get my online account to work. I called 3 or 4 times, taking about 3 hours of my time trying to get it to work. I finally gave up and the ho gave her sales pitch asking if I wanted to try protection plus at no cost. Sure why not. Well after 30 days they started charging me for it. I called and told them to cancel it. The next bill it still wasn't canceled, so with that charge I went over my limit, because they didn't even bill me enough to keep it under my limit. Now they tack on another $40 fee.

I called and explained it an they said they wouldn't waive the fee. In the end I said screw them and just quit paying. Now they call 20 times a week and I just turn the ringer off. Eventually if they want payed they will waive the fee I guess. Till then they can write it off since they just got a 25 billion $ bail out.

You can call 1-800-553-0231. If they don't help you, ask for a supervisor. Thats what I was told in a call from FIA. I haven't tried it yet.