Bank of America review: overpayment 4

I will try to shorted this. Bank of america randomly quit sending me statements in oct. I tried to call and could never talk to a person so I sent letters, no response came. In Feb.2008 they called me and said I owed a bunch of $ cause I missed a payment in december ( which I did not). I sent them info on check which got applied to the wrong account number. So they fixed that but kept the interest rate at 30% which has kept my account behind because they want a $600.00 mo. pmt ( which I cant afford even if they weren't in the wrong). I sent them letter saying that this needed to be fixed or I would sent a complaint to the BBB and they sent me a letter saying they would investigate and get back to me. They have never gotten back to me and now I am receiving letters that they have closed out my account and are reporting to the credit agencies because Im now $800 behind in finance charges due to the incident in december that I never knew about because they weren't sending me statements!

Caution- I had to share my story to bring light to how B of A is operating these days with credit line crunches in our current countries bank economic situation.

I have excellent credit and have had a low interest rate locked in for the life of my B of A account . I have never had a late payment since 1995 that I have had my account. I say, "Had" in passed tense. I have recently experienced several fraud situattions on my account and had to change my account number three times as B of A continually allowed unathorized charges on my account. Today I felt I was forced to close my account as B of A's fraud dept. told me that if a vendor had charged on my account previously they could push a charge through on my old card. I understood this explanation and for my first replacement card.I was told that if I closed this account # and opened another # then no one from the original card could charge on the third card. Again, this made since. It was either this explanation or the incompetent people form here to there in the B of A phone lines who tell your garbage that is obviously outlandish. You all may know what I mean...On my first replacement card I received several unqualified B of A people telling "Well we don't know how it happened" and one B of A employee went so far to claim unconcious scenarios of what she felt how it occurred which was all obsurbed. Her conclusion was it was not B of A 's doing. It was. As the B of A fraud dept explained how it occurred. I was forced into another account number that was supposed to fix all as the vendor that I had complained about had never actually charged on my second card. Today I was charged again this time by B of A under the old vendors name not the vendor. I called B of A and told them that I wanted to close this account as all they promised was false due to the constant fraud on my account. Not the normal B of A response. They were happy to close no questions. I now realize reading other people's situations. B of A direction form their cusotmer service is to close credit accounts. I suspect low intrest rate ones. I certain their plan is to not try to save these accounts but rather close all credit lines with low credit rates. What choice did I have? I felt forced as they could not provide me with a secure account and now my credit score may be affected due to thsi closed acount.

I have 3 years, with Bank of America, and I use credit card. I pay more in my balances, every month. I am a very good costumer. In May i received my statement with some checks, and that time i need to pay my son's rent, and I called to costumer services representant( Spanish), in May 29, and I ask about the check, if I can use to pay the rent, He toll me, " yes, you can use", I ask if i going to have any problem, he say No. I sent the check, and one week later, from the office of the apartment, call me to say the check is no accepted for the bank, and i need to pay more money for late payment. I call the bank of America, and I Spock with Alejandro Hernandez, who toll me, he can't anything about it, when i ask for the manager, he di not want, let me Spock with him, or her. When I say that is my right, He say, he going to call you in 10 minutes, and never return may call, since a I call back, He let me Spock with, Jose Amesura, ( Supervisor), Who say the Bank do not has any responsibility, and he do no care if I write a complaint, and he do not care about it, I fell bad, and frustrated.This is a negligence, because they get me wrong information, and now, they do not take any responsibility. I need to know is exist a law who support me.This employees do not help costumers, and people no say the employees, say the Bank is doing wrong. They treat me like any body. This can of employees, do not have the skills, capacity, to work in this place.

Checks apply to your debit card account...not your credit card account.