I hate BoA

[egold1234]

I paid off my credit cards, and called the backdoor # to speak to a credit anaylyst to ensure they wouldnt close my cards. After alot of discussion I actually had a CLI of $600 and was assured my lines would remain open. Well guess what. They closed one of my cards, the one they just gave a CLI to!

[Jazzzy]

I'm sorry this happened to you. BoA is really twitchy and has been for quite a while.

[egold1234]

They closed my line of $6600 and just reduced my line of $12k to $2500.... Un-believable!! They told me to call back when my revolving debt drops down. I owed 21k and 18k was with them that I just paid off!

[Anonymous]

Let me add mine into the mix. I received two letters from BofA yestrday stating that they are taking my 10K card down to 4.3K and the other letter told me that they are closing my other account. I paid the card off in full, and they close it. I make large payments to the other one and they lower my limit. PERFECT history with them and ALL other people I carry credit cards with. Because I have a high ballance with is why they did this they say.

So I just got off the phone with them. They told me my histroy with them does not mean as much and it is all about what the credit report shows. I asked what they can do to fix this and she said she will she can do to rase the limit back. After telling me she was unable to rase the limit I asked here if she did a credit check and she said she did. I then asked her if it was a hard pull or soft pull.... THE B**** SAID IT WAS A HARD PULL. I NEVER GAVE HER THE APPROVAL TO DO THIS. I am so pissed. They did not do a damn thing for me after all the years I been with them. VERY poor customer service, and I may just close with them.

[egold1234]

The thing that insulted me with them is they said they closed the account cause of my high revolving limit, $21k. But 19k was with them and I just PIF! She tells me thats what the credit report shows and they cant update it, that updates are up to the credit berueas and the bank has nothing to do with it. My only baddie was 1 30day late over 2 years ago with a student loan!

Then she tells me the TWO other credit anaylysts i spoke to were wrong in saying that they felt safe with my credit lines. 

I think its time I close my BoA account, in fact my local branch doesn't even have a handle on their front door, its been broken for a month, and the card reader for the door has never worked. They want my money but can't give me a safe envierment to use?

[Cotton_Britches]

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@Anonymous wrote:

They told me my histroy with them does not mean as much and it is all about what the credit report shows.

They did not do a damn thing for me after all the years I been with them. VERY poor customer service, and I may just close with them.

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THIS is why I voluntarily closed my accounts with them - banking and credit card. They suck big time.

[egold1234]

I just wished my CU offered credit cards, only loan products. They don't even offer online banking yet. But they said they will in April so who knows, maybe as I grow with them, theyll take care of me in the future when they offer CC products.

[marty56]

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@egold1234 wrote:

Then she tells me the TWO other credit anaylysts i spoke to were wrong in saying that they felt safe with my credit lines. 

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LOL I can top that.  The CSR I spoke with awhile back said a 120 day late was just a sting.

[smallfry]

I never did like this bank. Every other bank around posts deposits until 6 that evening. BofA flips to the next biz day at 3. Chiselers.

[haulingthescoreup]

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egold1234 wrote:

The thing that insulted me with them is they said they closed the account cause of my high revolving limit, $21k. But 19k was with them and I just PIF! She tells me thats what the credit report shows and they cant update it, that updates are up to the credit berueas and the bank has nothing to do with it. My only baddie was 1 30day late over 2 years ago with a student loan!

Then she tells me the TWO other credit anaylysts i spoke to were wrong in saying that they felt safe with my credit lines. 

I think its time I close my BoA account, in fact my local branch doesn't even have a handle on their front door, its been broken for a month, and the card reader for the door has never worked. They want my money but can't give me a safe envierment to use?

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I hear your frustration, and this is a classic BofA screwup.

But if I were you, I'd hold off, grit my teeth, let the new balances post next month (luckily, BofA pulls Experian, which updates promptly), and ask for your limits to be reinstated. They will probably ask why you need such high limits, or that's what they asked my when they cut mine in half. I told them that my employer was trying to reassign me, and that I was anticipating having to furnish a new home, and that I would probably be looking to do another balance transfer, and I needed a high CL to keep util under 50%. All of which was true. As it turns out, everything was delayed, but I did finally do a BT.

At any rate, your former CL represents a good chunk of change, and I'd hate to see you close the card without trying to get it back. Yes, they're idiots, but if you can stand to play their game, however briefly, you might get back what you had.