DONT TRUST BofA

[LTomBerry]

---

@frogfan12 wrote:

---

@Anonymous wrote:

I stopped trusting BOA when:

1. My wallet was stolen and I frantically called to report it on their emergency line, was put on hold for 45 minutes.

2. I asked to PC my old Cash Rewards card (1% on everything) to the new 321 card and they said no, I would have to reapply.

I stopped all business with BOA when:

1. They offered to upgrade my Cash Rewards card to the Accel Rewards AMEX and didn't tell me they would hard pull my file.

2. They upgraded me to the points version when I asked for the cash version. Hard pulled my file again and promptly rejected me.

You might be better off not trying again, since you don't know what you are authorizing them to do.

---

BOA and their "fraud alerts" are dead wrong. They shut down my credit card after I bought two TVs at Wal-Mart. Why did they let the transaction go through if they felt it was fraudulent? Or why did they shut down my credit card in Spain and cite the reason as "suspicious activity in Spain"? Or how about the time (before myFICO) when I let my CC balance max out and with the late fees incurred on my BOA CC I was over the limit. I was out of the country, had no access to my account online, and could not pay them. Yet they continued to call and e-mail me while I was abroad looking for their payment. But when I tried to reach out to them via the internet after they suspended my CC in Spain, no one ever responded. So my card remained frozen for nearly a month until I was back stateside. BOA is terrible, to sum it up.

---

I'm not sure you'll get much sympathy from me on this one. I can understand them freezing your card after a purchase that is not in your typical spending pattern. I'm pretty sure you can still let them know you're traveling abroad so that doesn't happen. I'm almost insulted they didn't freeze mine after I bought a carpet at a bazaar in Morocco without prior communication.

If you had a card maxed out to within $25 of the limit and didn't pay it, causing a late fee, how is that the bank's fault?

[frogfan12]

---

@LTomBerry wrote:

---

@frogfan12 wrote:

---

@Anonymous wrote:

I stopped trusting BOA when:

1. My wallet was stolen and I frantically called to report it on their emergency line, was put on hold for 45 minutes.

2. I asked to PC my old Cash Rewards card (1% on everything) to the new 321 card and they said no, I would have to reapply.

I stopped all business with BOA when:

1. They offered to upgrade my Cash Rewards card to the Accel Rewards AMEX and didn't tell me they would hard pull my file.

2. They upgraded me to the points version when I asked for the cash version. Hard pulled my file again and promptly rejected me.

You might be better off not trying again, since you don't know what you are authorizing them to do.

---

BOA and their "fraud alerts" are dead wrong. They shut down my credit card after I bought two TVs at Wal-Mart. Why did they let the transaction go through if they felt it was fraudulent? Or why did they shut down my credit card in Spain and cite the reason as "suspicious activity in Spain"? Or how about the time (before myFICO) when I let my CC balance max out and with the late fees incurred on my BOA CC I was over the limit. I was out of the country, had no access to my account online, and could not pay them. Yet they continued to call and e-mail me while I was abroad looking for their payment. But when I tried to reach out to them via the internet after they suspended my CC in Spain, no one ever responded. So my card remained frozen for nearly a month until I was back stateside. BOA is terrible, to sum it up.

---

I'm not sure you'll get much sympathy from me on this one. I can understand them freezing your card after a purchase that is not in your typical spending pattern. I'm pretty sure you can still let them know you're traveling abroad so that doesn't happen. I'm almost insulted they didn't freeze mine after I bought a carpet at a bazaar in Morocco without prior communication.

If you had a card maxed out to within $25 of the limit and didn't pay it, causing a late fee, how is that the bank's fault?

---

I called BOA prior to going abroad (I went on two trips that summer) to notify them of my travels. They notated that in my account and STILL froze my card. As far as the maxed out card goes, I was sent a new card prior to going abroad yet again. BOA had a lot of fraud going on back in 2009 and I got both a new debit and credit card. When I was sent my card, my online account access was removed and I could not make any payments. They then tacked on late fees when I was abroad (which they knew, because I notified them...again) and I had no access to said account. So how was I supposed to make a payment? I wasn't going to wire money from Europe. If you choose not to sympathize with me, that's fine. But I still maintain my position that BOA is not to be trusted. 

[Anonymous]

---

@frogfan12 wrote:

---

@LTomBerry wrote:

---

@frogfan12 wrote:

---

@Anonymous wrote:

I stopped trusting BOA when:

1. My wallet was stolen and I frantically called to report it on their emergency line, was put on hold for 45 minutes.

2. I asked to PC my old Cash Rewards card (1% on everything) to the new 321 card and they said no, I would have to reapply.

I stopped all business with BOA when:

1. They offered to upgrade my Cash Rewards card to the Accel Rewards AMEX and didn't tell me they would hard pull my file.

2. They upgraded me to the points version when I asked for the cash version. Hard pulled my file again and promptly rejected me.

You might be better off not trying again, since you don't know what you are authorizing them to do.

---

BOA and their "fraud alerts" are dead wrong. They shut down my credit card after I bought two TVs at Wal-Mart. Why did they let the transaction go through if they felt it was fraudulent? Or why did they shut down my credit card in Spain and cite the reason as "suspicious activity in Spain"? Or how about the time (before myFICO) when I let my CC balance max out and with the late fees incurred on my BOA CC I was over the limit. I was out of the country, had no access to my account online, and could not pay them. Yet they continued to call and e-mail me while I was abroad looking for their payment. But when I tried to reach out to them via the internet after they suspended my CC in Spain, no one ever responded. So my card remained frozen for nearly a month until I was back stateside. BOA is terrible, to sum it up.

---

I'm not sure you'll get much sympathy from me on this one. I can understand them freezing your card after a purchase that is not in your typical spending pattern. I'm pretty sure you can still let them know you're traveling abroad so that doesn't happen. I'm almost insulted they didn't freeze mine after I bought a carpet at a bazaar in Morocco without prior communication.

If you had a card maxed out to within $25 of the limit and didn't pay it, causing a late fee, how is that the bank's fault?

---

I called BOA prior to going abroad (I went on two trips that summer) to notify them of my travels. They notated that in my account and STILL froze my card. As far as the maxed out card goes, I was sent a new card prior to going abroad yet again. BOA had a lot of fraud going on back in 2009 and I got both a new debit and credit card. When I was sent my card, my online account access was removed and I could not make any payments. They then tacked on late fees when I was abroad (which they knew, because I notified them...again) and I had no access to said account. So how was I supposed to make a payment? I wasn't going to wire money from Europe. If you choose not to sympathize with me, that's fine. But I still maintain my position that BOA is not to be trusted. 

---

Where were you when I decided to apply for my 321 BankAmerica card .

I barley travel, but I might in the next year. If that happened to me I would close the card without batting an eye. I have had some experiences with Discover freezing my account but  a quick call and a fee wavier, for a 3 cash advance, made me stay.

[Anonymous]

---

@Anonymous wrote:

BOA had a lot of fraud going on back in 2009 and I got both a new debit and credit card. When I was sent my card, my online account access was removed and I could not make any payments. They then tacked on late fees when I was abroad (which they knew, because I notified them...again) and I had no access to said account. So how was I supposed to make a payment? I wasn't going to wire money from Europe

---

Look on the back of your card.  There is an 800 number to call them if you have a problem.  There is a COLLECT phone number and international phone numbers available to make calls to them from anywhere, at any time, for free.  They charge nothing to make a same-day payment from your checking account, which you must have had since you said you had a debit card with them.  You weren't going to wire money from europe... why not?  You owed money and it was your responsibility, no?

Their website is also available from all countries with an internet connection.  When your online access gets shut down from previous fraud, you simply go their website and register your new card for new online access when necessary.  If you can't figure out how, they have both online chat specialists to help as well as toll free numbers for online access support.  They certainly don't limit your options to make payments when you owe them, no matter what your geographic location is at the time.

As far as fraud alerts and freezing cards... If you are overly concerned about it, you can always use cash.  Bank of America provides zero-liability for fraudulent charges, and they are able to do so by monitoring activity and freezing your account during or after the first suspicious activity.  If they did not do this, you would have to be liable for fraudulent charges... which is worse?

[aussiesareforever]

---

Look on the back of your card.  There is an 800 number to call them if you have a problem.  There is a COLLECT phone number and international phone numbers available to make calls to them from anywhere, at any time, for free.  They charge nothing to make a same-day payment from your checking account, which you must have had since you said you had a debit card with them.  You weren't going to wire money from europe... why not?  You owed money and it was your responsibility, no?

Their website is also available from all countries with an internet connection.  When your online access gets shut down from previous fraud, you simply go their website and register your new card for new online access when necessary.  If you can't figure out how, they have both online chat specialists to help as well as toll free numbers for online access support.  They certainly don't limit your options to make payments when you owe them, no matter what your geographic location is at the time.

As far as fraud alerts and freezing cards... If you are overly concerned about it, you can always use cash.  Bank of America provides zero-liability for fraudulent charges, and they are able to do so by monitoring activity and freezing your account during or after the first suspicious activity.  If they did not do this, you would have to be liable for fraudulent charges... which is worse?

---

Geez...you obviously work for BOA. However I agree with everybody else that they are absolutely NOT to be trusted!

[Anonymous]

---

@daisydvm wrote:

---

Geez...you obviously work for BOA. However I agree with everybody else that they are absolutely NOT to be trusted!

---

Yes, that is certainly the logical conclusion.. when I state facts about a company without getting into a temper tantrum uproar and act like I'm a helpless victim, I must work for them.  Good call!  You caught the Tater!

In another note, Every other credit card company would have charged an over-limit fee if you maxed out their card and didn't take responsibility to make a payment.  Most others that offer fraud protection will also shut your card down when they suspect fraud, and it will always be up to the consumer to verify the charges.  Single BoA out if you want, but PenFed, Navy, Crap1, Chase, and all the others do the same.  Flame away! :-)

*edited for grammar

[Anonymous]

runs and hides in a corner

[Anonymous]

---

@Anonymous wrote:

runs and hides in a corner

---

Point taken.  

My previous post should read "I don't work for a bank.  I have noticed that all banks take fraud monitoring steps to protect themselves and their customers.  Sometimes it's inconvenient."

[learnin113]

BOA is currently reporting a closed card of mine that I made the last payment around June 2007 as closed by consumer 04/2011.  I cant say they're crooks but what is the point of that and why are they so adamant not to fix it.  The only reason I dont care is that it is not particularly hurting my credit, but what is the point of reporting false information (admitted by CSR)?

[Anonymous]

What credit report site are you looking at that shows a date for closed by consumer?