Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Note : I have over 50 emails : XXXX XXXX ignores me. BOA is very incompetent. I was mailed a letter threatening me that if I go near a BOA I will be arrested. They locked me out of my account many times. I recorded every call. 
BOA has a Bank account that is not even mine!!! I told XXXX XXXX so many times. I emailed XXXX XXXX so many times. My account number was changed due to inside fraud! I have never reported fraud on my card. 
These people are so abusive. If you heard the calls. I have hired legal counsel as I did not one thing wrong here but poorly treated badly. Now charging me interest and fees when the promotional rate was to be extended due to many problems Ive had! So many and the demand letter being sent will outline in detail. 
I can not make a payment over the phone in the automated system as I am barred from making a payment. Its absolutely absurd. This XXXX is corrupt, XXXX, and inside fraud is very well known. People I know who banked or had credit with BOA went through similar situations. My credit is stellar and so is my record. Dealing with very spiteful unprofessional people. I WILL NOT PAY INTEREST OR TRY TO AMBUSH ME OR INTIMIDATE ME! It will not work. Let a XXXX decide. 

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : Re : Acct ending in XXXX Thank you kindly! I am very grateful. 


Have a good one, XXXX XXXX From : XXXX, XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : Acct ending in XXXX Happy New Year Ms. XXXX! 

Thank you for reaching out. 
I have waived both charges ( {$10.00} and {$1.00} ). 
The promotion extension will have to be done on the backend. I have put it in my calendar to waive interest for XXXX/XXXX/XX/XX/XXXX. 
I will also submit a request to update your payments for the first couple of months. On my end it only shows that we reported the account as current. I will dig in and find out. 

We appreciate your business. Please let me know if I can be of further assistance. 

Sincerely, XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX, Maine Phone # : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : Acct ending in XXXX Hi XXXX, I was charge a balance transfer fee on XXXX for {$10.00} and {$1.00} for interest. I was not suppose to be charged even though balance transfer promotion ended XXXX. Can you please credit this amount. Also, my promotion for 0 interest is to be extended a few months after XX/XX/XXXX statement. Its in the notes from XXXX XXXX. Can you just make sure this is indeed taken care of so I have no issues down the road. 

Bank of America did not update the payments I made to BOA. If you can have that updated I would greatly appreciate it. I did not make minimum payments the first couple of months on the account so BOA is reporting I only made minimum payments. 

Thank you ... ... .. 
Happy New Year, XXXX XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message. 



From : XXXX, XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Subject : RE : We've processed your Balance Transfer request Good Evening Ms XXXX, I just tried calling you personally. Unfortunately, my call went to voicemail. I apologize you are having difficulty completing your balance transfer. XXXX is out of the office on vacation. 
I am going to direct to another one of my Team Managers, XXXX XXXX. He will be more than capable and willing to assist you. XXXX is in the office Monday-Friday XXXX XXXX. If you can provide us with the best time to contact you, he will do so. Please be advised, you may need to answer some security questions, designed to protect both you and our company. 

If you prefer, you can contact XXXX directly ( he has voice mail as well ) during the hours outlined above. He will be prompt at returning your call, if necessary- XXXX I apologize your balance transfers have not been completed to your satisfaction. It is certainly not the level of service Bank of America expects to provide our customers with. I am pleased to hear your interaction with XXXX was a positive one and I will be sure to recognize him for his efforts. 
I will also follow up with the agent/manager in XXXX Texas to ensure feedback is provided. 

You are in great hands with XXXX. We look forward to rectifying the situation to your satisfaction. 

Thank you for being a valued client, XXXX XXXX XXXX Senior Vice President |Segment Site Leader Bank of America ( ( XXXX ) XXXX Advanced Client Solutions From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX , XXXX XXXX XXXX Subject : Fw : We've processed your Balance Transfer request Hi XXXX , I like you to give me a call at XXXX to discuss a few matters of concern. XXXX is on vacation and please do not have another rep call me back. I just spoke to one and it was not a productive conversation. 

Thank you, XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Fw : We've processed your Balance Transfer request XXXX, Can you give me a call. Its very painful to call your customer service. The only one that ever was super was XXXX XXXX ( XXXX ). This email was long over due. I have nothing but problems since opening this account. Its so time consuming. 

XXXX was not paid. I did this balance transfer myself even prior to this date. I had to pay XXXX myself due to the failed balance transfer! 

There is no record of the payment. I never received an answer from XXXX XXXX in XXXX Texas. I have to go through a serious of questions which I will not entertain. I wasted 25 minutes today. I put a password on my account and no record of that as well. 


I really should not have to go through all of this. Its not right and no fault of my own. 

Can you please call me at XXXX Thanks, XXXX XXXX From : Bank of America XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : We've processed your Balance Transfer request Bank of America XXXX 
Balance Transfer. 
We've processed your XXXX Transfer request Credit card ending in XXXX Transfer type : Balance Transfer Pay to : XXXX XXXX Pay to account ending in : XXXX Transfer amount : {$900.00} Transfer type : Balance Transfer Pay to : XXXX XXXX Pay to account ending in : XXXX Transfer amount : {$250.00} Please continue to make required minimum payments until you see the transfer post as a payment at your creditor ( s ). 
Sign in to review the offer details of your transfer. 
Please note : If you set up automatic payments for this card, you may need to adjust your scheduled payment amount. 
We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to @ XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice Equal Housing Lender Bank of America, N.A. Member FDIC XXXX Bank of America Corporation This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation