Monday, March 27, 2006

*"Higher Standards" Only Apply To Interest Rates


Oops, looks like BOA forgot to mention that their new slogan isn't quite what it's made out to be, as Amy recently found out...

"I have been on the phone more than 3 hours trying to get a straight answer out of more than 7 different representatives.

My situation involves a credit card. I was notified that my rate was going up significantly, and I called to find out why. I was told everything to something on my CBR caused the change to the prime rate went up...but over 10%?!?

I was transferred to people, having to re-verify myself at every stage. I was given phone numbers to call that were no longer in service. Reps in the departments who I was told would have the answer, flat out lied to me about what my rate was. I was asked why I kept calling if I had already talked to someone, when all that person did was transfer me to them!

Finally, I speak to a "supervisor" who was polite, but very condescending. She told me, very kindly, that my APR went up because I owed them too much money. I am below my credit limit, pay my bill (more than the minimum) on time every month, but because I actually used the credit they offered me, I am to be penalized!

That is the most absurd thing I have ever heard. Isn't using the credit what the banks want you to do. Talk about your bait and switch. "Here is $4000 to use as you wish for 12.99%. Oh, and by the way, if you decide to use it, we will double that rate as a punishment for being stupid enough to believe us!" I am currently waiting on a call back from HER supervisor, but I'm not holding my breath.

Bank of America has the worst customer service I have ever encountered. They have the worst ethics I have ever encountered. My bill will be paid off ASAP and I will NEVER do business with Bank of America or any of their affiliates, ever again."

Isn't it the worst feeling? Nothing's worse than being in debt to someone you despise. It's like knowing you owe the local Mafia Don $20. Good luck with it, Amy! At least you've got the right attitude.

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