i opened XXXX Bank of America credit cards 15-20 years ago and the interest on the account is very low, some time 7 years ago or so i got a notice that my interest was changing and going up to prime plus 2 % i think.prime was going up back then, and several banks did this, or you had a option to close the account, and stay with the old terms and cond and lock in the interest rate till it was paid off.so the new terms and cond i was not accepting.i closed all XXXX accounts and have made payments since then on time never late.my history will show this.i each month for the past 5 years plus i schedule all my payments online on the XXXX of ea month and get a conformation number that the payment has been scheduled.on XXXX i did this to XXXX-accounts as i have done for 5-years, got a conformation number on all transactions.XXXX payment was due XXXX get a call at my home XXXX from a very rude man with a XXXX # on caller ID and says he is calling from XXXX card services, and my payment was late, i have a late charge, i have not meant my terms and cond and i was being charged off and IRS was getting sent a statement.i XXXX thought it was a scam. then he tells me that XXXX is owned by Bank of America he still was nasty, threaten me over now 7-days past due.i got nasty with him, explained i scheduled my payments, and i have a conformation # and he did not care.after 1hr plus with him haurasing me, i hung up and called Bank of America customer service, where after 6.5hrs later on the phone with people i get told from the internet dept that they saw i scheduled all my payments, they said Bank of America was wrong here,100 % but he did not know how to fix problem.apparently some time the XXXX week in XXXX they put in a new billing system, and when they did a system update, they took all XXXX accounts and put them in a un active position, so my payments scheduled were there but they could not not find my accounts any more to apply payment..i made them on XXXX XXXX, yet on XXXX the new system could not apply my payment.i had no way of knowing this, i find out that all XXXX accounts are this way now, when i ask them to fix this issue, they have no idea how to fix the problem, the people who installed the new updated system had to input me XXXX then my accounts could be seen.i was suppose to get a call from someone at corp level the next day to address this problem, that never happened, so XXXX i spend another 5 hours on the phone, and by the way i had XXXX-phones going, my XXXX call was on my home phone, where i was put on hold to speak to supervisor,2hrs later never happened, i called on cell phone, and got a supervisor who did nothing for me for 3 hours.i asked for 1-thing never got, i asked for a {$25.00} credit for late fee she refused this, she kept reading notes, puts me on hold comes back with nothing i tried to explain what needed to be done but she would not listen, after 3 hours with her and 12 hours of getting no where, i am filling a complaint, and i also am concern, have not.have not spoken to any attorney yet, but i believe my rights have been violated, when i get a call from XXXX and threaten, and spoke to as i was, and to be told from XXXX XXXX in XXXX AZ internet dept that Bank of America was at fault, and they needed to fix, now i am told XXXX-payments are late i have fees and they refuse any service, or refuse to wave fees, and it is their fault.i have all conformation # and all payments have always been made on time, never late, yet i am getting called at home, threaten, over a Bank of America wrong doing, and i am paying for it now.this is wrong, and i really feel i have been violated in this way.i also found out supervisors i spoke to never recorded that they ever spoke with me, that being XXXX XXXX call center S.Carolina.and she was to call me and never did, and never put in notes she spoke to me this is what i get, and it is not right at all.thank you for your time.