Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My husband and I decided to sign up for a Bank of America 0 % interest balance transfer credit card. Terms were 0 % interest till XXXX XXXX on all balance transfers made within first 60 days. We applied and were were approved for XXXX limit and set up for a XXXX balance transfer. This was XXXX, XXXX after about 2 weeks the credit cards came in the mail, we called and activated them. At the same time time spoke with BOA rep and asks why balance transfer had not happened. I was informed BOA does not have an electronic banking relationship with my current card holder, and they would re submit it and mail a check. After another XXXX weeks went by and no communication from BOA or transfer I called back, At this point BOA advised they sent the check to the wrong place, and it would have to be put through a third time. Frustrated as it was now XX/XX/XXXX made sure they had my banking info. almost 2 weeks and no communication and no transfer, I contacted BOA XXXX to see what was going on because as life so happened I needed to use the card by this point since I was n't able to transfer the balance from the other one. I believe the excuse I got this day was they had my card number incorrect and they needed to mail us paperwork to sign. After another hour on the phone trying to set up the transfer we lessened the original amount since I needed to use the card she said she figured out the difference and the fee and would request it. After XXXX more weeks passed and consistently watching the accounts say pending transfer, it was not pending any longer and no transfer had been made and we received no correspondence from BOA. The next week was very busy in our everyday lives but then my husband attempted to use the BOA card since all funds were still available and it was declined at the store. Upon finding this out I contacted BOA XXXX XXXX to find out they did not complete the transfer because they never corrected the transfer amount from the previous conversation and attempted to transfer more funds then available. When I asked BOA rep why then was my husbands purchase declined, BOA rep informed us they froze the account because we had XXXX over due from XXXX. ( we still had not received any statement or mail from BOA ) Highly upset I asked to speak to a supervisor. Supervisor from BOA stated they could n't do anything with account till XXXX was paid. I instantly paid the fee. I told BOA supervisor what had been occurring and how they planned to fix the situation since now the 60 day 0 % balance transfer period was over. He assured me that once the XXXX payment posted on the account Monday XXXX XXXX, I could call in and BOA would make it right. He said they had even better promotions going on and could even credit back interest from the past few months since BOA did not complete what they were suppose to. BOA supervisor stated he could not set it up at this time until XXXX payment posted, and when I call Mon ask to be esculated to a manager and it would be taken care of. Well Monday XXXX XXXX I called BOA once again to resolve issues and after being transfered to XXXX or XXXX people the supervisor in the BOA credit analysis supervisor came on the line and continued to informed me the time period was up and there was nothing they can do for me at this time. She proceeded to tell me it was my fault because I used the credit card and therefore did not have enough funds to complete the initial amount they put into the system. I had her look over account asked her to listen to calls and stated if they had set up the transfer correctly the first 4 times I would n't have used it, and I called and changed the amount after I did. Just kept reading her script over and over that she was sorry and there was nothing that could be done. No transfers, no 0 % interest. I told her BOA never even had us sign anything.