Bank of America did a good thing yesterday.
I have a 99/500 card that fell into distress two or three weeks ago. The card due date was approaching and I made an online transfer from my savings to the card to PIF. The money disappeared out of my account and went into the card. I though all was AOK until I get a notice that payment was returned.
It turned out that a cash deposit I made into my savings got cued in as a check deposit and a two day hold was placed on this cash. The funds in savings appeared as available when I made the transfer, but was returned anyway. I go to the bank two days prior to the due date and they offer a refund of all fees and I make a partial cash payment to the card and again make a transfer. Unfortunately, the payment was returned again. The teller cued in a payment $100 more than what I requested (but my fault also because I know I told him to do it) and again that payment was returned and they didn't refund the fees as promised.
BofA then closed the CC. I PIF with cash at the teller. I fought it and fought to have them reopen. BofA did refund to the CC $39 in fees x 2 and refunded $80 due to 4 transfers made after the cash deposit last week, but they were adamant that they cannot reopen a secured/partially secured CC. Again and again their answer was "NO". So, I conscripted the branch managers from two branches to fight to have the card reopened and they were told no. I finally found someone on the inside (of the secured CC dept) who was willing to help too.
Finally, yesterday, I checked my BofA CC and a field appeared for Available Credit ($500)!!! I called they CC and they said there's no problems with the card. So I used the CC (with a $78 credit for the fees) to pull EX FICO....it worked and my score was up 11 points. However, the card still said closed.
Today I pulled TC and EX said open. I also get a call this morning from a branch manager and she confirmed that everything was OK.
NEVER take NO for an answer, and win friends and influence people.