Good for you Debbie.
BOA did not raise my interest rate but I have cancelled my checking account with them and getting ready to quit using my BOA credit card because of their get so rich schemes. They give us practicaly nothing on our savings and checking accounts and giving themselves millions on top of their excessive salaries.
Encourage everyone to leave them and join a Credit Union where you get treated like a real person.

i heard credit unions are non profit organizations.....good to know...profit is fine....but how much profit?

Kudos!! I have had quite a problem with BOA also. You are my hero! Good luck. LS Oregon

All the bank are the same. Their customer service is no good. Thye do not wnat to listen to the people calling. Banks are increasing payments or interest rate. I just called a bank that increased my interest rate that I had for years and they told me that in order to keep the same interest rate they have to increase the payment to almost 110 %. This is ridiculus. The goverment is giving them money and they are charging their customers higher rates and higher payments when the mayority of the people are not working or if working they are not getting any increase in their salaries. something needs to be done.

I agree. I refuse to use BOA. About 2 years ago they screwed me so bad it hurt. I fell for thier balance transfer scheme and when I paid what I though was on time, I got my rate increased. The person on their line told me that even though my payment may have been there on time, it was not posted on time. I argued with her with no end and told her that what they were doing is "like legal robbery" Got nowhere. Needless to say I have since closed my BOA account, never to do business with them again.

Good for you! I am currently going through a very similar instance with Chase credit card. After being a loyal customer of theirs for over 15 years, never late and always paying a substantial amount above the required minimum payment, they have recently informed me that they are requiring an increase in my minimum payment (in my case, it represents a difference/increase of $600 a month), or I can pay less (monthly payment) but the interest rate will go up. Either way, they win and the credit card holder loses. This method of doing business is deplorable and not well thought out. Requiring a minimum payment of 5% of a small balance is not a problem for most people. For those that carry a significantly higher balance it can be life changing. I have a letter into a "mangager" as I was instructed to do by the "customer service" representative. Maybe the letter appealing Chase's interest rate OR minimum payment increase will actually be read and the person who reads it still possesses some basic customer service/retention skills. I am not asking for anything special, just for them to continue to honor the program terms I signed up for. Don't change the rules! This is "Bait and Switch" by any other name. Hopefully I am pleasantly surprised by the big credid card company actually exibiting some sense of fairness but I am not holding my breath. Should Chase not handle my case in a fair manner I gaurantee I WILL NEVER USE CHASE AGAIN UNDER ANY CIRCUMSTANCES. Then again, maybe that is exactly what they want.

My name was changed to protect the innocent.Congratulations,I was so mad that I was given the shaft by BOA that I wanted right after the bailout, to post a full page add in the NY times to urge every American to start boycotting by not making even the minimum payment due.I realized it was a real expensive thing to to ,but the kick in their teeth would be that I would charge the add on their Credit Card.They have cut all my limits even with good credit.They raised the fees and interest even though I haven't missed payments.I am getting them paid down and will never have a checking account with them.They were trying to persuadeby paying money, to get me to have an account with them.Even if you bring a check in the bank drawn off them they want to charge you 10$if you don't have an account.I have had my auto loan and unfortunately countrywide mortgage taken over by these unscrupulous bastards,I hope you continue for the Revolt. I am with you! The point yo made that they are getting the money from the Fed at 0% interest and charging us 23-30% is what is so disgusting.

Good for you Debbie,
I also did a similar thing but I have never responded nor answered their call. I was never late with them either,they also kept reducing my credict limit, did't matter how much I paid down, the more I paid the more they reduced it. so I stop paying them. I even called them to have my interest reduced but they told me no. I think it was all because I was doing a modification on my house and chase was reporting it late. I wasn't late I paid my payment every month throught out my modification is just they were puting it in a suspence status until my modification was finalized. The only reason I did this modification was because my wife died last year and I was trying to get a lower rate so I could keep my home. I wish you the best.

KUDOS TO YOU ANN!!! I agree that in these tough economic times we need to have a financial institution that will work for & with us.........SO SAD THAT SO FEW ARE WILLING TO DO SO!!

Kudos to you for standing up to BofA. I had a run-in with them last month but didn't have the guts to do what you did. I called them to request a decrease in my moderate interest rate after being a good payer and customer for 20 odd years. They of course said no and went so far as to automatically lower my credit limit which of course affected my credit score. I then cancelled my 20 year Business account with them. I hope they learn that they are being as greedy as those on Wall Street that caused this whole mess with the economy and that greed in the end never pays. Thanks again for the good fight.

Good for you, we all need to stand together. WE out number them, it is time we do something to stop the rape!

Good for you Debbie!! I got my rate increased up to 23%. Their "credit officer" was the most rude person in the world! My payments were always on time but with him I got nowhere. I closed my cc and will never use BOA under any circumstances. I advise all relatives and friends to move their accounts to different institutions...

I got slapped with a late fee for paying my credit card on a Saturday one time when it was due on Sunday. I paid it at a BOA location and they still hit me with a late fee. BOA does not care about anyone but themselves. I paid it off and have not used them for over 2 years. No amount of discussion on the phone would make them reverse the charge. Boycott them and cancel everything you have with them.

I am in a fight with BOA right now. I purchased a coach in 2004 and with the economy in the tubes I loss over $175,000.00 in consulting contracts. I have asked BOA to refinance my coach so I could keep from it being repossessed. They told me I owed more that it was worth and essentially said to bad. If we reposes your couch we will sell it and them come after you home or any other properties to collect the differences. I even tried to get them to just lower my interest rate so I could lower my payment so I could afford the payments. They said I sorry we cannot do that. So I have a choice try to make the payment or get a lawyer and put everything I own in a trust then let them have the couch. Not much of choice and just think when I reminded them that it was my tax dollars that bailed them out they as much as laugh at me.

I have had the same experience, twice, with BOA. If I have no balance on my BOA credit card and made a purchase, my statement reflects a dramatic change from 12.99% to 36.99%. The second occurence, I had purchased an airline ticket and planned on paying the balance over 2 statements. First statement indicated 12.99% and was paid well before the due date. The remaining balance was charged 36.99%! I contacted BOA, but had paid off the remainder balance, they agreed to lower the rate back to the original, but I don't use it for major purchases, or put off things like a new floor, etc.
It is strange to me how everyone has forgotten that Bank of America made it known to the public, they would begin offering "credit" to those without a social security number, and made the decision during a very heated time illegal immigration was a topic for votes. Nothing seemed to be done to stop that, so I am sure there are illegal residents of the US that took advantage of that offer as well, and we all pay for it.

We got a letter from B of A two weeks ago telling us they were raising our interest rate from 10.99% to 27.24% because I paid online ONE day after the payment due date. We have had this B of A credit card for over 5 years and have spent 10s of thousands of dollars and have always paid on time and now that we are one day late past the due date they are increasing our rate. I just them a message requesting that Jeff Crawford or someone authorized to discuss our situation contact me immediately. I'm curious to what their response will be.

Great job! Chase bank raised my ARP without my permission while I was in the hospital after a life threatening ski accident. I asked them to put it back to where it was last month (8.24%)and Chase Bank said that it is "illegal" for them to change the ARP and they will keep it at 16.24%. I have excellent credit and always pay on time or sooner. I was shocked by this customer representatives response to me. How can she sleep at night telling these lies. I wrote them a letter and have had no response. I will NOT be using my Chase credit card until this issue is resolved.
Continue the good work to support Americans!
Cheers,
Sally

I have a similar problem with Barclays. They jumped my interest rate to more than 28 percent. I had always paid early and more thant the minimum. Now I'll be lucky if I can ever pay them off as the minimum payment is 6 times what it was. They will use any excuse they can to screw you over. Barclays is definitely a bank to stay away from and any credit card associated with them. What the banks are doing may be legal because our wonderful Congress made it so, but it's jus legal thieft in my book and nothing less.

I have a similar problem with Barclays. They jumped my interest rate to more than 28 percent. I had always paid early and more thant the minimum. Now I'll be lucky if I can ever pay them off as the minimum payment is 6 times what it was. They will use any excuse they can to screw you over. Barclays is definitely a bank to stay away from and any credit card associated with them. What the banks are doing may be legal because our wonderful Congress made it so, but it's jus legal thieft in my book and nothing less.

I have a similar problem with Barclays. They jumped my interest rate to more than 28 percent. I had always paid early and more thant the minimum. Now I'll be lucky if I can ever pay them off as the minimum payment is 6 times what it was. They will use any excuse they can to screw you over. Barclays is definitely a bank to stay away from and any credit card associated with them. What the banks are doing may be legal because our wonderful Congress made it so, but it's jus legal thieft in my book and nothing less.

Well done, Good and Faithful Servant. Well done.

We quit BOA many years ago after we attempted to make a large deposit into a higher interest paying CD account. They would not allow it and wanted it put into a standard savings account. We closed all of our accounts with them and have moved on to a Credit Union with better rates and fees. 9.7% APR VISA

GOOD FOR YOU!! I was also royally screwed by BOA. I have three mortgages with them and had two credit cards with no late payments on the mortgages or credit cards and still they raised my rates. When I contacted them, I was rudely confronted by one of their customer service supervisors. We are in the process of moving all business to our Credit Union. BOA is a looser on many fronts. Let's drive them and other greedy banking establishments out of business.

well,BOA has to pay off Obama some how---so they are hitting the customers,got rid of them a long time ago

In 2006 I had 4 credit cards and paying them all on time and I wondered why I kept getting late fees. They would hold the payment back and then post it a day or two after the due date and blamed it on the U.S. postal service for not delivering it on time. My intrest rates then jumped to 30% and I wondered why I couldn't get my balance down. I had enough and went to a settlement company and that company negotiated with the credit card companies and I only had to pay a third of the balance. BOA fought me tooth and nail and refused to cooperate and sent me to court. When I explained to the judge that I was willing to settle and BOA wasn't the judge ruled in my favor and dismissed the case with prejudice which means they can never take me back to court.

Please do not go hog wild with this woman..if she was so smart, she would know if she just spoke to someone today, the change would not reflecyt with the online statemet today...trust me, she will slip up with a late payment again and I guarantee you, she will be repriced no matter how many videos she makes..now because of this one achievement she is the know all for avoding the IRS..get a life lady and pay your bills on time.....you are just a small piece of the puzzle, you carry no weight...

Please do not go hog wild with this woman..if she was so smart, she would know if she just spoke to someone today, the change would not reflecyt with the online statemet today...trust me, she will slip up with a late payment again and I guarantee you, she will be repriced no matter how many videos she makes..now because of this one achievement she is the know all for avoding the IRS..get a life lady and pay your bills on time.....you are just a small piece of the puzzle, you carry no weight...

what do you think about unbelievable service charges on return checks how about over 1000 in one month and told they refused to wor with us

We the Ameican People need to stand together as one, to rid our land of this injustice!!!!! Its crazy that they are allowed to do this, they get hand outs an we get nothing. They still eat their steak an we eat beans if we are lucky enough to have a pot to cook in after they an others get away with this. I dont know what we need to do but we need to do something. Cash your checks, go cash only, depend on our neighbors an family. We have to get back to where we can live without Banks an their robbery. Thank you Debbie if more people band together an fight we can prevail.

We the Ameican People need to stand together as one, to rid our land of this injustice!!!!! Its crazy that they are allowed to do this, they get hand outs an we get nothing. They still eat their steak an we eat beans if we are lucky enough to have a pot to cook in after they an others get away with this. I dont know what we need to do but we need to do something. Cash your checks, go cash only, depend on our neighbors an family. We have to get back to where we can live without Banks an their robbery. Thank you Debbie if more people band together an fight we can prevail.

The BofA sent me a letter stating they were raising my interest rate. When I called them, we all agreed that I always paid more that the minimum payment for the last five years. Still, the policy was to raise the interest rate three times - to 29% from 9%.

I stated I would be paying off my balance of $1000 and closing my credit card account with BofA and wanted a letter from them acknowledging that is in fact what was done. Frankly, I have been very happy I no longer do business with BofA but with one of the smaller banks, in my neighborhood, where everybody knows me.

A few months ago, BOA raised my fixed rate from 7.99% to 12.99%! I have been a long standing client with an excellant payment and credit history, and this is how they "reward" their best customers. I am sick of their greedy practices so I called and when they told me that they could not do anything about the rate hike, I told them I was cancelling my credit card and I did. BOA and all of the other greedy company's can go to hell!

So can someone tell me WHAT i can do with BOFA to lower "MY" interest rate? I HATE THEM! But I am still in debt with them BUTTTTT my interest rate KEEPS going up! PLEASE HELP ME! "(

I had 2 credit cards, a checking account and an equity line with Bank of America. Never missed a payment and paid off the credit cards on a regular basis. When they raised my interest rate into the 20% range I called several times up to the supervisor level but they would do nothing. Instead they tried to sell me another credit card at 0% interest instead of changing my rates and told me to tranfer the higher interest rate cards to the new 0% interest. What a scam. They get the interest on the old cards, the person who sells me the 0% card gets a commision and then they make a boat load of cash on any balance transfer. BOA lost me as a customer for life that day. I am fortunate that I could pay off and close all my accounts and transfer any money I had with them to local banks. I don't want BOA to go out of business - I have friends that work there. I also don't wish anyone at BOA ill will since the people I talked with were just doing their jobs but bad practices and bad customer service starts at the top. I'd like to see the CEO and the management team and anyone else at BOA that believes its OK to treat good customers poorly - BE GONE.

I had 2 credit cards, a checking account and an equity line with Bank of America. Never missed a payment and paid off the credit cards on a regular basis. When they raised my interest rate into the 20% range I called several times up to the supervisor level but they would do nothing. Instead they tried to sell me another credit card at 0% interest instead of changing my rates and told me to tranfer the higher interest rate cards to the new 0% interest. What a scam. They get the interest on the old cards, the person who sells me the 0% card gets a commision and then they make a boat load of cash on any balance transfer. BOA lost me as a customer for life that day. I am fortunate that I could pay off and close all my accounts and transfer any money I had with them to local banks. I don't want BOA to go out of business - I have friends that work there. I also don't wish anyone at BOA ill will since the people I talked with were just doing their jobs but bad practices and bad customer service starts at the top. I'd like to see the CEO and the management team and anyone else at BOA that believes its OK to treat good customers poorly - BE GONE.

I had a BOA credit card, paid it off and still owed them because of the date the payment was credited to the account. Go figure! I went to the branch office & paid the last amt due, even when I thought BOA was wrong. It seemed like I would never get out debt with them. I asked for a pair of scissors and cut the card up and placed the pieces on the bank associate's desk and told them to close my account. I will not have another BOA Card ever again.

we all have to come together. I paid off my account with BOA two years ago and they added late charges every mo. they said that I didn't make a payments on time: remember I paid off the balance. I now owe over $700. in late charges. How can this be only in the world of BOA. Nothing has been charged on this account in over two years but the charges go on.

I don't know if every consumer should do this...... its called the good old tradition phone call to your creditor and talking to them and negotiating... every consumer should own up to their decisions for opening a credit card and using it while not understanding the full disclosure.... not fully on the bank's side but lets get off the "lets blame someone else" wagon.

I have credit cards at or above the limits they approved for me so I started calling these banks to set up payment plans. The banks that were the most help were lowe's, GE bank, Emerge, and Aspire all gave me 0% for 5 years, chase is still charging me 6% and boa originally told me they would give me 0% on 1 account and not the other 2 accounts, I held out for all 3 acounts which was a mistake. Now boa will not give me a 0% on any accounts and will not set up payment plans, in the interim i have not made any payments so the money i owe is building at a rapid rate and has now been turned over to collections who offered me a reduced amount,(about half of what i owe) if i pay within 3 months. What i want is to pay them what i owe but over 5 years at 0%. that way they get all their money and i get time to pay them

Now everyone should boycott paying off their TRIBUTE MASTERCARD...THEY CLOSED EVERYONES ACCOUNT THROUGH FIRST BANK OF DELAWARE DUE TO FINANCES..AND ARE MAKING EVERYONE PAY OVER 20% STILL ON BALANCES DUE WITH NO SERVICE...GIVE ME A BREAK ANY ONE INTERESTED IN A CLASS ACTION SUIT CONTACT ME AT SILVERMAN_S@MSN.COM

Hi Ann;

I was So HAPPY to see someone like you stand up to Bank of America. I just went though the same thing with them. I paid my bill on-time every month and they raised my interest rate as well. As a result, I was not able to make the new payments that increased from $300.00 amonth to $500.00 amonth. My hope is that the American People stand up and make a difference. I do not understand HOW the President can give the Banks Billions of dollars and do nothing for the People of this country. Americans are losting their homes and living on the streets.

Now everyone should boycott paying off their TRIBUTE MASTERCARD...THEY CLOSED EVERYONES ACCOUNT THROUGH FIRST BANK OF DELAWARE DUE TO FINANCES..AND ARE MAKING EVERYONE PAY OVER 20% STILL ON BALANCES DUE WITH NO SERVICE...GIVE ME A BREAK ANY ONE INTERESTED IN A CLASS ACTION SUIT CONTACT ME AT SILVERMAN_S@MSN.COM

You people are a bunch of losers! It's not a god given right for anyone to receive credit at a set interest rate for life. The banks are scared of people of carry huge amounts of debt each month and it doesn't matter if YOU pay on time. All of us are going to suffer the consequences of the many who rack up huge amounts of credit debt and then decide to declare bankruptcy. The banks could all of a sudden ask for you to pay off your cards to a zero balance each month if they so choose. Get a clue people....easy low interest credit will never be like it was in years past. The banks can't afford to have YOU shop and spend until you lose your job and then declare bankruptcy!! Pull your heads out of the sand...in many countries they require you pay off your cards each and every month to zero...ZERO!! Banks in America should probably require the same from all you irresponsible shopaholics. Carrying balances of $5000 or more will be ancient history!

Wake up America! Over 300 million people can not printed own money and ask Federal Reserve (How the private banksters who did not paid taxes use name FEDERAL???) Rotchilds-Rockeffeler families for help. Those family controls all slaves in and outside USA. Same elite control a credit card slave system, and NONE-EVER rules apply to them. It does not matter who will be a next president (Rep. or Dem.) no matter to them, who will be on charge, they had, do and will paid both sides. It is up to you people to stop this MATRIX. Do not count or trust any government who will promise change or help. You are the only one who can help yourself!

Interest rate at 12.00% is still high. I had my interest rate at 7.75% on my credit card. You should get your interest rate under 10.0%.

Interest rate at 12.00% is still high. I had my interest rate at 7.75% on my credit card. You should get your interest rate under 10.0%.

JUST WRONG. chase offer me a credit card 3 years ago with a APR of 3.9% for the LIFE OF THE LOAN. so i took advantage an combined all my credit cards. i was never late, always paid above the mininum. I have excellent credit. I also notice my other credit cards APR% going up .It really didn't bother me because i have zero balance on those cards. but here goes CHASE THEY WENT BACK DOOR ON ME.Since I have a 3.9%APR FOR THE LIFE OF THE LOAN .They raise my minimum from 2% to 5%. my minimum payment almost tripled. Now I feel like a paying chase a car note on a 2010 Mercedes that I dont even own. When I called chase they gave me the option to go 6.9 % for six monthes and then it would adjust to the current going rate. They are just wrong. Taking good customers hard earn money when we havent done anything.

JUST WRONG. chase offer me a credit card 3 years ago with a APR of 3.9% for the LIFE OF THE LOAN. so i took advantage an combined all my credit cards. i was never late, always paid above the mininum. I have excellent credit. I also notice my other credit cards APR% going up .It really didn't bother me because i have zero balance on those cards. but here goes CHASE THEY WENT BACK DOOR ON ME.Since I have a 3.9%APR FOR THE LIFE OF THE LOAN .They raise my minimum from 2% to 5%. my minimum payment almost tripled. Now I feel like a paying chase a car note on a 2010 Mercedes that I dont even own. When I called chase they gave me the option to go 6.9 % for six monthes and then it would adjust to the current going rate. They are just wrong. Taking good customers hard earn money when we havent done anything.

Debbie, I am so proud of you!!! I work for an insurance company that is a third party administrator for credit card payment protection plans. Credit card customers pay thousands of dollars for the programs (mostly because they don't know they have it)and when they lose their job or become disbled and need to use it, their interest rate defaults, their credit line is revoked, and many don't qualify due to the strictive terms and conditions. Credit card companies are legalized long sharks and we should revolt.

So what if they are getting the money from the Fed at 0% interest. The banks have been screwed by all you losers out there who rack up huge debt and then decide to file bankruptcy! Don't you get it? They have been losing for years. Even charging 25% interest to high risk morons with a FICO score of 600 is not worth it!! Get a clue and try to understand the business from their standpoint. The US banking system is undergoing a huge restructuring process and this has to be a part of it. They could ask you people to pay off your cards right now to ZERO and they probably should.

Debbie, I am so proud of you!!! I work for an insurance company that is a third party administrator for credit card payment protection plans. Credit card customers pay thousands of dollars for the programs (mostly because they don't know they have it)and when they lose their job or become disbled and need to use it, their interest rates default, their credit line is revoked, and many don't qualify due to the strictive terms and conditions. Credit card companies are legalized long sharks and we should revolt.

CITI bank did the same thing to me. After i decided to opt out, they ignored my decision. They said i made a deal with them, which i never did. They raised my interest rate to 11% and again to 25%. I was paying them approx. $200.00 PER MONTH on interrest charges alone. I fixed them I was able to pay my balance in full. I closed my account and i WILL NEVER do business this then again. lesson learned I will never use another credit card again. I WILL LIVE WITHIN MY MEANS.

So what if they are getting the money from the Fed at 0% interest. The banks have been screwed by all you losers out there who rack up huge debt and then decide to file bankruptcy! Don't you get it? They have been losing for years. Even charging 25% interest to high risk morons with a FICO score of 600 is not worth it!! Get a clue and try to understand the business from their standpoint. The US banking system is undergoing a huge restructuring process and this has to be a part of it. They could ask you people to pay off your cards right now to ZERO and they probably should.

I had about $4000 on my BofA visa, they raised my rate for no reason. I have always made my payments timely. So.....i paid it off and shut it down. No more credit for me folks. Credit cards companies are ALL scumbags.

I know most of you can't do this but it worked for me. After having a BofA account since the early 1960's I was totally pissed when they decided to drop my credit line to $90 over my open balance. That was from $22,000 to $1200. You can emagine what that did to my score. Chase, another bandit, did the same on 3 cards with $20K to $25K dropping to $500 because they were not used enough!! Then all the cards RAISED my rates on all my cards because I had to high of a deby to credit ratio. I told them all to go to Hell and refused to pay another dime. I have a debit card and if I need to use a "credit" card, I'll use it. Using money is strange but much safer. And you do not overspend!!! Plus now I'm thousands ahead because of not paying the accounts. Sure I had lots of nasty night time phone calls but...we have ID so don't answer. After SIX months, by Law the Banks have to write you off. Some lawyer will buy it and try to collect so another round of calls but if change your number, problem solved. (If you are going to do this, go online and CHANGE all your contact infor BEFORE shutting them down!) It screws your credit score but......I'm 62 and don't care!

Thanks Debbie! BOA hasn't raised my interest rate yet, currently it's 8.99% on a significantly high credit limit. However, I do agree with what you are saying regarding BOA receiving TARP money and then raising the rates of some consumers and/or lowering their credit limits. I'm not a fan of BOA either, I've had my Mastercard for over 15 years with no problems until BOA absorbed my former credit card company back in January. Since then I've had nothing but headaches with the card. I'm currently trying to get my VISA (different credit card company) limit increased to match the line of credit on the BOA Mastercard so that I don't lose any available credit. Once that happens, like so many others, I'll be GONE too! I'm even willing to take the slight drop in my overall credit score just to be rid of BOA and it's unscrupulous procedures.

So what if they are getting the money from the Fed at 0% interest. The banks have been screwed by all you losers out there who rack up huge debt and then decide to file bankruptcy! Don't you get it? They have been losing for years. Even charging 25% interest to high risk morons with a FICO score of 600 is not worth it!! Get a clue and try to understand the business from their standpoint. The US banking system is undergoing a huge restructuring process and this has to be a part of it. They could ask you people to pay off your cards right now to ZERO and they probably should.

So what if they are getting the money from the Fed at 0% interest. The banks have been screwed by all you losers out there who rack up huge debt and then decide to file bankruptcy! Don't you get it? They have been losing for years. Even charging 25% interest to high risk morons with a FICO score of 600 is not worth it!! Get a clue and try to understand the business from their standpoint. The US banking system is undergoing a huge restructuring process and this has to be a part of it. They could ask you people to pay off your cards right now to ZERO and they probably should.

There is a lesson here: destroy your credit cards and never use them again. Let the credit card banking industry die! Google "Dave Ramsey" and order your personal finances along his recommendations. You and our nation's economy will do just fine without the plasic card loan sharks.

Sounds like some legitimate gripes. Why do the biggest complainers have the worst sense of the english language when trying to put a sentence together. It makes it hard to take it seriously, kind of like a UFO sighting when coming home from the local bar.

There is a lesson here: destroy your credit cards and never use them again. Let the credit card banking industry die! Google "Dave Ramsey" and order your personal finances along his recommendations. You and our nation's economy will do just fine without the plasic card loan sharks.

I have had citi bank since 1981 and just recently made a payment but was 20 dollars off, read the statement wrong..my interest rate jumped from 14percent to 29 percent..called argued and argued to no avail..i had the 20 dollars it was a mistake..now what...

I have had citi bank since 1981 and just recently made a payment but was 20 dollars off, read the statement wrong..my interest rate jumped from 14percent to 29 percent..called argued and argued to no avail..i had the 20 dollars it was a mistake..now what...

It's so nice to see people stand up.Kudos to you. I myself have had two different account that I have recently paid off and closed and will NEVER get an account with them again. The first was Home Depot. It not only makes me sick about how much money they profirt, but the supplies they're selling lately gets cheaper and cheaper in the sence of quality.I had a credit acct. with them for 7yrs. staring at 19%. 2 months ago I received my monthly bill, which I"ve never been late on and always paid more than the min. payment, letting me know that my rate was raised to 30% without warning. Now I receive gift cards and mailing asking me to come back as an acct. customer. NEVER AGAIN. Second,I had an IKEA act . with a small limit of $300. Never late on payments and again paid more than the minimum. 2 months ago my balance was approx $50. when the statemnt camr in I also recv'd a letter that not only were they reducing my limit to $100 because I wasn"t buying enough but that my min. payment went up $25 a month. Were's the customer service anymore.

Our home mortgage account was transfer to BOA and let me tell you is a nightmare try to work with does people. The company mortgage that we have before close there office and BOA took the account When we find out someone in customer services in Bank of America they told us the account of our mortgate was tranfer to them and they can not give us more information and then few weeks letter we receive a letter from Bank of America that our account was delinquent. How my account is delinquent if a do not have account number and any information where and when we need to paid our mortgage. Then 4 weeks we receive about 7 letter from Bank of America with the account number and informed us that if we do not paid the late fees and the month of mortgage they repo our house. How does people pretend that I paid a mortgage without account number and any information, everytime we call customer service in Bank of America they said we are working on and then one month later they want to take your house. How I going to paid my mortgage if a don't have account number and what company a need to paid. But people do go to far Bank of America give to the Illegal Immigrants credits cards and Home Loan Mortgage and then when the Illegal Immigrant don't paid the credits cards and mortgage do you think they will bother the Illegal Immgrants? NO, We the American People paid those accounts. Do go to far President Obama Husseim Barack have bussiness with Bank of America, imagen. What a mess up in the Bank of America and in our Country.

Our home mortgage account was transfer to BOA and let me tell you is a nightmare try to work with does people. The company mortgage that we have before close there office and BOA took the account When we find out someone in customer services in Bank of America they told us the account of our mortgate was tranfer to them and they can not give us more information and then few weeks letter we receive a letter from Bank of America that our account was delinquent. How my account is delinquent if a do not have account number and any information where and when we need to paid our mortgage. Then 4 weeks we receive about 7 letter from Bank of America with the account number and informed us that if we do not paid the late fees and the month of mortgage they repo our house. How does people pretend that I paid a mortgage without account number and any information, everytime we call customer service in Bank of America they said we are working on and then one month later they want to take your house. How I going to paid my mortgage if a don't have account number and what company a need to paid. But people do go to far Bank of America give to the Illegal Immigrants credits cards and Home Loan Mortgage and then when the Illegal Immigrant don't paid the credits cards and mortgage do you think they will bother the Illegal Immgrants? NO, We the American People paid those accounts. Do go to far President Obama Husseim Barack have bussiness with Bank of America, imagen. What a mess up in the Bank of America and in our Country. Good for you Ann, great American.

I see a lot of people here who are willing to borrow money and then not pay it back. No wonder that BOA charges you fees.

I feel like billing each and every one of you for your (probably inaccurate) account of events.

Losers.

OMG I recently had a conversation with BOA about my credit card because I noticed my apr was at like 27.99% and I called I said I wanted it back to what it was they said no, I have never, ever been late with any payment, I even said to them so you are punishing me for being on time how does that make any sense, they said they raised because of my husbands recent credit report, who cares, I have never been late to you, and I ended up telling them good luck getting your money then. I wish I would have done something like you, but you know what I will call one more time and mention your name and Jeff Crawford's name and see if it gets me anywhere, I haven't made a payment to them since I noticed they raised it, and I won't until I get satisfaction.

Congratulations Deb. I am going thru hell with BOA and their tactics with their greed. I wish we could all get together and follow your footsteps on ho to deal with BOA.

After the credit card issue, there should be some revolt again nsf fees. SAMPLE you have a 30.00 balance on your checking account. You purchase a lunch at Jack in the box 5.63, new bal 24.37. You buy some misc groceries 19.45. Balance 4.92. Then you have a check come in 40.00 balance -35.08. You are cleary out of balance for the 40.00 check and will get hit for 1 nsf fee. Bank of America and most institutions will change the order of your transactions to 40.00 then 19.45 then 5.63 in order to charge you 3 nsf fees instead of one. They must make a large sum of fees that are to high in the first place. I am all for paying the price of your mistake but to allow the bank to flip 1 error into 3 for their gain should be a respa compliance issue. Where is our government to help on this issue instead of the nonsense of the MDIA or Credit card act which do nothing financially for the consumer but created more confusion and made the consumers angry with their financial institution for the changes that the government mandated in the first place. If the President is going to help the consumer, do it to keep obviouse money in their pocket not just a bunch of new documents and procedures to follow.

congatulations for your win with the B of A. but,
you are out of your league with the IRS. For starters, you were so smug when you said the part about no jail, you've got this much coming...
pay attention: First, intentionally not paying taxes is a felony. Second, conspiracy to commit tax evasion is a felony as well. And last, the only thing between you and the lock-up may look like thin air but isn't. it is the required "overt act" which you handed them, err, You Tube, on a silver plate.

Good for you! We closed all of our BOA accounts last year (both Commercial and Personal) due to unfair BOA policies. Enough is enough and I think you will find a lot of support for this movement. We recently had a run in with Jupiter bank mastercard account. The one we transferred our BOA balance to Jupiter at 9% intro rate. They tried to hike to 30%. We called them out on it and it remained 9%. The point, if our Senetors and Congress people don't get thier act in gear pretty soon and continue to allow this predatory practice to continue, I see a much larger revolt potential. We the people bailed the banks out with money we the people will have to pay over time but the banks want it both ways. There needs to be some reconning in the very near future.

I absolutely DESPISE BOA. I had to sell my home in 2004 because they were going to foreclose on my home. I was ONE (1) payment behind with my mortgage.
May they rot in hell!!

It's our responsibility to pay our fair share of taxes. Do you have children attending school, drive a car, want police or firefighter protection? This is just a few of the perks of the tax system.
Attacking the financial institutions is fine but it's our duty to pay taxes. Who is going to fund this if we as US citizens don't?

Good for you Debbie...Bank of America is undoubtedly the worst banks out there. I have a long list of issues with them been a customer for ever but you are still treated like you are someone who just walked in the door. Customer service is horrible, and they lead the pack with late fees and other charges which are unfair. You never get a reasonable person on the phone to speak with. Worst of all a couple of weeks ago I called to transfer a balance on an account which was already open, the customer service put me on hold and ran a credit check without letting me know. I received an update through Experian the next day that a credit check was done by BOA but the customer service person failed to disclose this to me before running my credit. On top of that the person told me that he will be closing my account. I have a good income and pay my credit cards on time not sure what the issue is they keep cutting back credit limits and hiking up the interest rates. The worst banking experience out there is with BOA. I have decided to swith all my banking to credit unions they are far better to deal with you do not get hit with excessive fees and certainly the corporate greed does is not reflected in their business practices. Message to the BOA execs get your act straight otherwise you will keep losing customers that are the foundation of your business and your existence at large.

Had some issues with BOA as well. About two years ago, my fiance and I called BOA to see why we weren't able to use our Alaska Airline BOA credit card. They said that we called in and reported it lost, which in fact we did not. After being on the phone for over an hour on the side of the road, they said they were issuing us another one and that it should be there in about one to two weeks. Well, that wasn't going to do us any good cause we were on our way to Lowes! After talking to a wall, we ended up with nothing other than having to wait for the card to come in the mail. When I went to use out air miles, we had none! I contacted BOA, they said that they were void after we called in and cancelled our cc. What the F***! They were in NO WAY doing anything to compensate or make this adjustment right. I could go on about ridiculous monthly fees as well, but I'm sure previous customers know what I'm talking about! Keep at it! Call these nazis out!

All the credit card companies are taking advantage of the consumers. CHASE took over a number of credit card portfolios and lucky me I ended up with 3 cards by chase. CHASE increased my interest rate to 29.99% and another to 14.24% even for balances with rates for the life of the loan. I pleaded with them to no avail. This is causing me a lot of hardships. What I hope is that we all remember what they did when times are better. I know I will!!

I had an experience at BOA in San Diego, CA when I brought a check written by a commercial depositor of BOA (AAA - Automobile Club) to their bank to cash. Since I was not a "customer" of the bank (meaning depositor), they wanted to charge me $5.00 to cash the check which was drawn on their bank!

I refused and took it to my own bank. However, I should not have been forced to do this! A check is a promissary instrument and should be honored by the bank with which the funds are deposited without charge to the payee.

I reminded the bank manager of A.P. Giannini, the founder of BOA who would not have approved of this practice, but to no avail. Needless to say, I will never become a depositor of BOA.

YES! YEA! Good for you. I did basically the same thing. After I opened a new account with BOA they called me at work and "urged" me to take advantage of their "no interest for 12 mos" loan. I admitted I had a current balance on another card, but after singly raising 6 kids I'd finally bought a house, built up my credit and had a deal with my current CC company to take the payments out of my checking acct. so I'd NEVER be late. They assured me they could do that for me also, so I made the jump......2 mos later I wondered why I was getting a notice from my OLD CC that payment was rec'd via auto draw....after a lot of calls and investigation, I'd discovered 1. they never paid off my CC co.
They stuck the money in my savings acct, which HAD a zero bal. so I never looked at it.
2. they did NOT take the money from my checking acct as auto draw for the bill.(the old CC company was still taking it.)
3. they raised my interest rate to some outrageous amt. like 30%. I was livid. I spoke to everyone but GOD himself. They told me to just catch it up and they would straighten it out. Then they stopped taking my calls. Finally, I tabled the bill and let it get over 6 mos behind, mostly because I was still so fuming.....Then the calls started. I actually welcomed them as an opportunity to plead my case again. Over and over I spoke to deaf ears....finally one day I'd had enough. This is what I said, and I repeated it for an entire year when they called.
"I will be happy to pay you when you can put someone on the line to clear this mess up. I want 0% interest and ALL the penalties and late payments dropped. I refuse to make a payment now or ever and i ust realized that there's not a DAMN thing you can do to make me.(although they threatened to garnish wages, that doesn't work in my state, but I called their bluff and told them I'd quit and go underground) I'm 60 years old, I already own my home, you've already ruined my credit, and I have your money in the bank, and I'm going to start spending it every month you delay. After it's gone, you're screwed."
After a year of this, they called me one day and offered me a 50% payoff..... That was right before the big fall, and the guy seemed desperate....I took it. So what if my Credit score is 42. When they want my money again they'll be begging me to borrow from them,
Banks ARE the devil incarnate, AND the infiltration of the illuminati into our lives.

Babe, I will pay your balance off. i want you, you are so fucking hot

Not all companies are bad. My father got suddenly ill and I had to leave town, forgetting to pay my American Express bill so it was late. They did raise my rate and charge me a finance charge, but when I explained the situation, they refunded the finance charge and switched my rate back without any argument.

Capital One did the SAME thing & I NEVER had a late payment EVER! Time to fight back!

To Brian and all the other idiots who side with the robber barons, I just have to ask: just what the hell is wrong with you and who's side are you on, anyway? In order to fight the obscene greed and the (what used to be illegal)criminally unfair practice of usury, we all have to stick together, if for nothing more than principle. This all has to stop now! In other countries, the people unite in order to fight injustice. We Americans need to get very angry and stay angry until we win this war on GREED!!

Go girl! God will help you on this and we all need this! Where's the trophy?

BOA funded home loans for YEARS... they bought Green Point Credit.. which used to be Greetree... they KNEW they were funding no doc loans... they been scamming for YEARS

B of A is the worst bank! There fee structure is absolutely ridiculous and excessive.

You go, Girl. I had a BOA credit card for five years. I made my payments on time every month. NEVER LATE. Right before the crash and buyout, I recieved notification that my interest rate on my card was moving from 7 percent to 24 percent interest. I was furious!!!!!!!! I took out a loan from my credit union to pay it off immediately - THANK GOODNESS! This is what I get for padding the pockets of the CEO's... Well, I won't worry about doing that anymore!

Does anyone live their lives within their means?
Whose responsibility it is to pay for things in full and accumulate the money before one buys something instead of relying on credit cards who carry a horrendous interest rate, regardless of the bank one may use. Get rid of cards, or use them as a convenience tool within using the credit. I assure one would never have a problem.

If Ann indeed missed a payment in 08 then the bank could have cause under their agreement to raise her rate. She would then have many options the most obvious would be to shop for another bank--there are thousands of them in the U.S. to choose from at least until the Obama big government controls them all!! It's interesting she thinks 12-13% is fair for her--obviously she doesn't understand why credit card rates are so high--namely a huge cost for fraud by many dishonest people and in bankruptcy most credit card debts are totally eliminated since they are unsecured debts. Before she starts a revolt it would be nice if she had more knowledge on the subject of her revolt!!

A retired 32 year banker (not with BofA)

I meant WITHOUT using the credit.

I meant WITHOUT using the credit.

I'm kinda glad I ruined my credit when I was 17. I ended up saving thousands $$ in interest and have been hassle free of those buzzards. It's been all cash or debit for me. I've learned to live well but also within my means. Now luckily I earn well into a 6 figure income. Congrats and nice work Debbie. I never did trust those bastards!!!

You go girl!!!! thanks for taking action and I am on board with you for what you are doing .....I think for all of us who have paid our bills on time .....we should get a break.....thx....

B of A actually shut off my online payment capability without explanation. They said there was not problem. So, I paid over the phone and they screwed that up. Then they charged me a late fee and a finance fee. I don't even know about my interest rate. They fnally turned back on my Bill Pay choice on my online account. No explanations. It took a month to fix the problem. Then, the same thing happened the next month. All the while, they say there is not problem with my on line account. Very deceptive, illegal and annoying practices.

Brian you are a real piece of garbage. How do you know what people should or should not do? You must think your God or probably not I am sure you are an athiest. Bottom line is these banks suck and you are probably working for one of them. One more thing lick my hairy nut sack enjoy what time you have left on this planet because GOD has a way of making mean miserable fucks like you pay.

Ann:

Let me congratulate you for standing up for human rights, if we can call it that. All my life I have thought that we are born and grow up in a world where we are subject to an unfair system where the people that manage banks, businesses and the economy grow richer and richer and the rest of the world can barely make ends meet. I work very hard and have done so all my life and I am grateful to God that I have a job. But my reality hits me hard every day when I face the fact I live paycheck to paycheck (no savings)and I do not own anything of value, I do not have a house, I just rent a room at somebody else's house and wonder how I can ever get out of this situation even though I live an extremely low profile, pay tithes and offerings at my church and help support my bed ridden Mom overseas. I hate being in debt and I was forced to when I realized I could no longer ride the bus (it takes forever to get to work and those nights under the freezing rain walking half an hour to the lonely bus stations aren't funny), I finally decided to buy a new car, the cheapest I could find, because the old car I was driving was taking all my money in repairs, so I saw myself obligated to buy this car because I work long hours, anyways, the interest on the loan is too high,not to mention how overpriced the car is. I just wish I lived in a society where the things we need are priced according to the money most people make. By the time we finish paying the car we need to buy another one again.I am sad to see that they take so much money from my taxes and last year I only got $150 back from uncle Sam because I have no tax breaks. So I am happy to see somebody is standing firm to speak up about this inhuman treatment the poor people receive in this world,it is inhuman in every way, so help us God, I just can't wait for Jesus to come back and take us out of this world!

God bless you and may this movement of yours have a positive impact for the majority of people which are like me, not vey wealthy!

Ann gambled and lost (apparently like many of you). Of course it's not HER fault. If you don't borrow, guess what? Zero interest!

You go gal, nice job.

Yup-They know what they are doing, 23% is not a typo. It's magic you and I are the only ones who don't seem to know what their left hand and right hand are doing. LOL

Put this in your revolt, and lets be soldiers. Don't ever ever borrow money from these gangsters.

Never.

Pay it off or go to bankrupsy, kiss of the stupid credit rating, as cash counts, and credit makes you a slave, to your own foolishness, they know that.

So we have have these lazy 'investors' keeping the producers in dark.

B of A is now rounding up all your purchases to the next dollar and putting it into a savings accout for you at 2% and charging 20% on the balance.

Revolt- cancell all accounts and go to bankrupsy for a new start.

As for taxpayers revolt? Well what could we save on and still have the services we seem to need?

Make a list.........

You go gal, nice job.

Yup-They know what they are doing, 23% is not a typo. It's magic you and I are the only ones who don't seem to know what their left hand and right hand are doing. LOL

Put this in your revolt, and lets be soldiers. Don't ever ever borrow money from these gangsters.

Never.

Pay it off or go to bankrupsy, kiss of the stupid credit rating, as cash counts, and credit makes you a slave, to your own foolishness, they know that.

So we have have these lazy 'investors' keeping the producers in dark.

B of A is now rounding up all your purchases to the next dollar and putting it into a savings accout for you at 2% and charging 20% on the balance.

Revolt- cancell all accounts and go to bankrupsy for a new start.

As for taxpayers revolt? Well what could we save on and still have the services we seem to need?

Make a list.........

Some of you have such pity for these banks as if they're losing out and the public is taking advantage of them. Open your eyes. And if you're just ignorant or lazy all you need do is look at the skyline- all those big skyscrapers and buildings blocking the sun out; most of those are bank owned!!! They're gettin over on the public and it's always been like that and getting worse. About time people fight back a little.

This lady seems to be very stupid, and all she wants is attention. Lady, if you can't handle credit cards, you shouldn't have any. I have BOA since High School, that's more than ten years and I never paid any interest and I never got any late fees, instead I got cash back for using BOA's credit card. Stop blaming the bank, how about you get your shit together instead of blaming banks for not being able to manage your finances.

Let me tell you something about Bank Of America. They are by far the worst bank in the U.S. The only reason why they are in business is because they have the government's account. Their customer service completely sucks and goes completely against their employee handbook. I use to be an employee there and quit after 6 or eight months because 1. I could not believe the answers that supervisors were telling their staff to tell customers at times. 2. Even as an employee they still screw you over. If they don't even look out for their own employees how do you expect them to look out after a customer. I'm sorry you had to through this Debbie and everyone else who has their own issues with Bank Of America. This is the worst place anyone could ever bank with, I mean you might as well stick your money in a mattress and put out a huge sign outside saying where your money is because its going to get stolen anyway.

Bleona. Did you make it out of high-school? You sound like a childish hater.

BLeona, I actually did and you sound like an old bitch that needs a good lay. You are fucking with the wrong person if you want to question my intelligence. Than again what would you know about the banking industry?

Wow, we need to really think about the those times in 1960 when Bank of America was one of the only bank that open credit when we were going to rescission. Focus on stop abusing credit card. save more money under your pillows and stop harassing bank of America. Also in the other note remember you need to pay back what you borrow. If you cant afford it dont spend it.

why use credit, if you don't have the money don't spend it, whiner. i haven't used my credit card in years and bofa offered me a $50.00 incentive if i did. i used my card, paid it off in full and am fifty dollars richer. quit blaming banks for your desire for material goods that got you in a debt in the first place.

why use credit, if you don't have the money don't spend it, whiner. i haven't used my credit card in years and bofa offered me a $50.00 incentive if i did. i used my card, paid it off in full and am fifty dollars richer. quit blaming banks for your desire for material goods that got you in a debt in the first place.

So you got a pat on the back by the biggest thief in the U.S. Put that next to all of your petty accomplishments. LOL... So it only took you ten years to get cash back from BofA ... Man that's really fucking hilarious. There's something you want to tell your grandchildren about. LMAO.

why use credit, if you don't have the money don't spend it, whiner. i haven't used my credit card in years and bofa offered me a $50.00 incentive if i did. i used my card, paid it off in full and am fifty dollars richer. quit blaming banks for your desire for material goods that got you in a debt in the first place.

They seek to rob us in anyway they can. Not just banks but all credit card co.
This is a new one. Lowes informed me that as of 15 Sept. my credit was sent to collections and overdue by 4 months. Been making my payments but when they demanded and increase payment of $620 all at once they said I failed to make the min. payment so sent me off to collectons. Don't trust any credit card co and even some of the utility companies either. They are all out to make money in anyway they can. Now I have to write all these letters to send try and correct the action against my good character when they are looking for ways to mess it up.

They seek to rob us in anyway they can. Not just banks but all credit card co.
This is a new one. Lowes informed me that as of 15 Sept. my credit was sent to collections and overdue by 4 months. Been making my payments but when they demanded and increase payment of $620 all at once they said I failed to make the min. payment so sent me off to collectons. Don't trust any credit card co and even some of the utility companies either. They are all out to make money in anyway they can. Now I have to write all these letters to send try and correct the action against my good character when they are looking for ways to mess it up.

They seek to rob us in anyway they can. Not just banks but all credit card co.
This is a new one. Lowes informed me that as of 15 Sept. my credit was sent to collections and overdue by 4 months. Been making my payments but when they demanded and increase payment of $620 all at once they said I failed to make the min. payment so sent me off to collectons. Don't trust any credit card co and even some of the utility companies either. They are all out to make money in anyway they can. Now I have to write all these letters to send try and correct the action against my good character when they are looking for ways to mess it up.

They seek to rob us in anyway they can. Not just banks but all credit card co.
This is a new one. Lowes informed me that as of 15 Sept. my credit was sent to collections and overdue by 4 months. Been making my payments but when they demanded and increase payment of $620 all at once they said I failed to make the min. payment so sent me off to collectons. Don't trust any credit card co and even some of the utility companies either. They are all out to make money in anyway they can. Now I have to write all these letters to send try and correct the action against my good character when they are looking for ways to mess it up.

They seek to rob us in anyway they can. Not just banks but all credit card co.
This is a new one. Lowes informed me that as of 15 Sept. my credit was sent to collections and overdue by 4 months. Been making my payments but when they demanded and increase payment of $620 all at once they said I failed to make the min. payment so sent me off to collectons. Don't trust any credit card co and even some of the utility companies either. They are all out to make money in anyway they can. Now I have to write all these letters to send try and correct the action against my good character when they are looking for ways to mess it up.

Good for you girl! I actually ended up in seriously financial trouble after Bank of Assholes raised my rate from 9.9 to 29 percent. I hadn't been late. I had just received an offer to consolidate my cards to B of A at a very nice rate. I choose to do so, hoping I could improve my debt ratio. However after that huge jump in interest rate, it was impossible for me to catch up. Between that and my medical bills, I said screw it and filed bankruptcy. I really hated to do it and even choose not to include any of my local accounts who had honored their rates. I was hoping to end my relationship with B or A after that. However after being declared too big to fail was allowed to acquire another bank and mortgage company. My new mortgage company! Go figure? So I went in to talk to them about the loan negotiation program since I kept my home. Guess what. B of A claimed not to have any knowledge of the program. I informed them that on CNN the president was talking about how the program was available. They made some calls and told me that I would be put on a callback list. That was 3 weeks ago. B of A blows.

YOU GO GIRL !! Bank of America raised our business accounts to 27.99 percent in April so I closed the accounts. The balance was just over $2,000.00. The accounts were opened in 2004, with no problems. Every payment made on time, they said they had no complaints. However, I was told that my accounts were reviewed for a credit update. I spoke so another young lady that told me that the reason for the review was because the monthly payments were the minimum or just over the minimum and the balance wasn't going anywhere and that was WHY the rate was changed. This is absolute "ROBBERY". It should be against the law to be able to do this. I have written to my congressman but someone else told me that they had done that also but was told to take it up with the bank. Our congressman is retiring after this term, so obviously he isn't interested in my future votes. This is outrageous.....I will NEVER have another Bank of America account again, of any kind.......I'm with you gal......Whatever it takes.....something needs to be done.....soon!

actually, if you bought bofa @ 3 and sold it at 15 you got plenty of cash back. plus the keep the change program bofa offers gives you cash back every time you use your checkcard. talk about petty and JEALOUS???? " mr. probably your house is in foreclosure" and "your unemployment is running out"...hopefully someone like you NEVER has grandchildren

I have a high loan to balance ratio. So what!? I have more than paid interest to cover to original amount loaned so what they make is gravy. The real problem is that creditors keep whacking my line as I pay things down! Then they have the gall to suggest I need credit counseling! I tried to decline my rate increase to 24.99%, but was told I was too late. They used my contact to review my situation and lowered my line the very next day by $2000. Other creditors then use that ding in my credit ratio to lower my other lines. I have a pristine payment history of 30 yrs. No late payments. I have also paid off eight vehicles over that time period. Even after going through the last year, I have a family retirement income in the six figure range, have assets worth far more than the amount owed, and pay less on my home to own than it would cost to rent (I am choosing not to liquidate assets). I am saddled with an upside-down vehicle loan thru B of A that can't be changed. I will be cutting up my B of A cards once they are paid off. It will take longer, thanks to the increase in interest rates. If anyone needs credit counseling, it is B of A. They are the ones that gave me the credit lines. Now thay are complaining I used it!

Not for BLeona. They gave her a $50.00 incentive to use her credit card. Lets see $50.00 divided by 10 years..., Hmmmm..., Lets see... oh wait..., that's an average of $5.00 a year. Man, you made mad money off of BofA... LOL. You should feel guilty BLeona.

Anyone thats neg on what your doing is a banker You can take that to the bank lol

BLeaona, let me give you some food for thought.

Light travels faster than the speed of sound.
Right?
The same goes for people like yourself BLeona.
Sometimes people appear to be bright...,
That is until they open their mouth and speak.

If you don't know the banking industry at all BLeona, aside from just being a BRIGHT customer, don't tell anyone what to do with their credit or how to manage it. Do you know how old that checkcard program is? It's been around for a longer than when they first told you about it. Do us a favor please don't bring any kids into this world. Ignorance is a virtue.

Hey, be responsbile and pay your bills on time. You should be responsible. Take charge of your finances!!!

I had BOA check my credit rating two years ago and I am not a member or have applied for any loans. However, they were sued by several of us for this uncalled business move. Why check on someone is not in business with you? My youngist girl tried to get me to use BOA after I moved to a new state and they are a "big" bank everywhere. Ha! I am glad I did not listen and stayed with a credit union.

Why do people want to handle their finances through a bank vs a Credit Union? Credit Unions are owned by the people. My visa card with the credit union is 6.9%. I use it for all purchases at dept stores, hdware stores, etc. When they try to get me to apply for a credit card with their hight interest rates, I say no thank-you. I never use it for a cash advance which of course is a higher interest rate, but nothing compared to a bank. The banks hate credit unions.

I thought I'd seen everything until I got the letter from T-Mobile saying they were going to start charging $1.50 a month to mail your cell phone bill. Imagine, being charged to get your monthly bill. I can hardly wait till my contract is up with them. The gall to even try to do something like that.

You go girl. I recently had this happen to me with Dell and Capital One. I tried to help co-sign a loan for my daughter to get a car which she desparetly needed. Because of the credit reoport they sent me letters stating that they were raising my interest rates. I have never missed a payment and always send in more than what the monthly payment should be. The big dogs are getting richer off us little people and it is time that this all comes to an end.

Judy are you serious. T-mobile is wanting start charging to mail your bill. Next bright idea will be that they will charge you .50 cents to e-mail to you and call it a convenience charge. They are nuts.

OK...I agree we people DO need to stand up for truth, and 'legal fraud'. We have done this on many issues over the years and won, for what is just and fair.

BUT the folks on here who think profanity, and character slamming on the very type of forum, which represents a CORE VALUE of freedom of speech, show their intelligence level within the 1st sentence. If you don't have the maturity to comment or debate, at the most basic level of respect, or even educate yourself enough to even have an opinion based on a minimum knowledge DO the world a favor and SHUT UP.

We are losing America, and our freedom and rights as human beings, in the society millions have died to protect, because of individual collective ignorance! We MUST get educated, not just blow out opinions, me included! I agree with many of these folks, I too, have had ridiculous interest rates on a perfect credit rating. Whether or not one uses credit, does not equate they are living above their means, or not handling things properly. If one doesn't have credit, GO try to buy a house or car and see what happens. And whether or not I agree or not, I have the basic decency to honor a persons opinion, AND their right to speak it.....period. THAT fellow people, IS basic human rights AND decency. Good luck to all, BUT, you must find a way to pay, that I agree with. Walking away from legitmate debt whether you feel justified or not IS NOT going to solve your problem, you will pay in one form or another, but for the collective to make it harder on the rest, IS making them one of the very people they believe they are revolting against. Blessings

Sorry if you find mistake in the posting, english is not my first language.

Anyway, my dad stop paying BOFA on his credit card balance and ask BOFA to prove where the money they lend it to my dad was coming from and then he will continue paying his balance.

Why he ask them to show where the money was coming from? Well, it is all electronic. The card shows that you've money and in fact the bank simply entered the amount on a computer. Not all of them does that, though like Citi Card they actually show my dad where the money was coming from. So as for BOFA, they said that they will take my dad to court and of course he was all happy and then BOFA just wipe completely his debts because of lack of proof and never went to court.

Sorry if you find mistake in the posting, english is not my first language.

Anyway, my dad stop paying BOFA on his credit card balance and ask BOFA to prove where the money they lend it to my dad was coming from and then he will continue paying his balance.

Why he ask them to show where the money was coming from? Well, it is all electronic. The card shows that you've money and in fact the bank simply entered the amount on a computer. Not all of them does that, though like Citi Card they actually show my dad where the money was coming from. So as for BOFA, they said that they will take my dad to court and of course he was all happy and then BOFA just wipe completely his debts because of lack of proof and never went to court.

Great, it is time consumers start to stand up for ourselves. These people have for far too long taken advantage of us, because they could, until they get caught with their fingers in the cookie jar. I say great job!!! I have never had a Chase account, but apparently one of my other accounts was purchased by Chase, and now they are hounding me(Literally), and it looks like my rates have also increased. And to those who keep saying pay your bills etc, hello, what do you think we are doing?, I have paid every AMEX bill on time sometimes before it was due, never late, owed nothing, yet they dropped me, and to that I say good riddance, do you know why no one really wants to accept AMEX?, I've been told by many merchants that it is because AMEX does not pay on time! Who is really worse here?

Why use credit card? live within means and throw your credit outside window...use debit card instead.... atleast you will know when you will have to stop spending

I will be moving all my funds ASAP! I have had too many issue with BofA also. This is the push I need to see their selfishness.
Thanks

WAY TO GO! I have worked for BofA for 30 YEARS and they have even screwed me over! I called recently to ask about a credit card line increase (I had $25,000) and they denied it, but, did NOT tell me that they were going to LOWER my limits! I have 3 BofA VISA accounts and in the next 3 days, they brought all of my limits down to the amount that I owed on the cards! I was SHOCKED! Just the prior week, I had about $40K in credit available (and only owed $10K) and now, I owe what my limits are to BofA. I was stunned. I called the VISA department to no avail, they don't care that I've worked there 30 years. They don't care that I have NEVER missed a payment or made a late payment. Because I asked for an increase, they felt I was a "credit risk" (their words) and I am now sitting with maxed out cards to my employer, and, my FICO score has gone down the toilet! My credit was perfect prior to this and it's my own employer of 30 YEARS that caused this to happen to me. I asked the bankcard department "What am I to gain by not just filing bankruptcy against you now?". It's true! They caused my FICO score (and my husband's) to fall through the floor by lowering our limits to the amounts we owe, and, I might as well go bankrupt! (I won't, but, I feel like it!)
I applaude you for doing what you are doing.
God bless you always!
Betty Moore (not my real name, for obvious reasons!)

Congratulations.

I agree with everyone! BofA screwed me around years ago and I refuse to deal with them. Unfortunately, they bought my car loan and I am forced to pay them till the loan is paid off. Bottom line, dont use BofA

Hello Ann,
Too Bad I didn't get this earlier when my creditor jacked me for $29,687 with extra high interest rates with no cause of raising it. Tried to file bankruptcy and they came back with a lawsuit. Those greedy SOB's and MF's they need to be stopped. NOW

I agree that paying bills on time should always yield good results. I too have experienced BofA witholding payments to get that late fee thing going. When I slapped them with delivery confirmation receipts for each and every payment and invited them to court, they backed down and retracted every late fee transaction. I think not paying to get their attention and making hell of noise should only be used as a last resort. Sometime embarrassing the shit out of them is what these assholes need.

P.S. In addition....I have worked at the bank 30 years, and, the tellers are FORCED to sell VISA cards to clients. Often NOT telling clients that when their credit card covers their account for "overdraft protection" that the interest rate is the same as a cash advance (19.99% or more) AND they start to rack up interest DAILY on that amount. People are made to feel that their bankcard is helping them by padding their checking account. Really, what's happening, is you are paying BIG TIME (more than an overdraft fee) to have that credit card backing up your account. I have NEVER heard a teller explain that to a client when selling a credit card for overdrafts.

Please people....listen to me, I am a bank employee of BofA. They are making BIG BUCKS and they are not giving you the whole story. I am so proud of Debbie for doing what she did. And, hope more people do the same. If I didn't need this job so desperately, I would quit because of their lack of ethics.

God bless Debbie for bringing this to light.

Great, it is time consumers start to stand up for ourselves. These people have for far too long taken advantage of us, because they could, until they get caught with their fingers in the cookie jar. I say great job!!! I have never had a Chase account, but apparently one of my other accounts was purchased by Chase, and now they are hounding me(Literally), and it looks like my rates have also increased. And to those who keep saying pay your bills etc, hello, what do you think we are doing?, I have paid every AMEX bill on time sometimes before it was due, never late, owed nothing, yet they dropped me, and to that I say good riddance, do you know why no one really wants to accept AMEX?, I've been told by many merchants that it is because AMEX does not pay on time! Who is really worse here?

" If you cant afford it dont spend it. "
-----------------------------------------
I don't think that affordability is part of the debate. I think that people are rightfully pissed that Banks change the rules in the middle of the game with impunity and WE have no recourse! The banks then unilaterally ruin one's credit costing them more in the scheme of things. The debate reflects what is fair and what is right. Congress passes laws to protect us and these jerks side step it and laugh. I agree with what this lady did 100%.

" If you cant afford it dont spend it. "
-----------------------------------------
I don't think that affordability is part of the debate. I think that people are rightfully pissed that Banks change the rules in the middle of the game with impunity and WE have no recourse! The banks then unilaterally ruin one's credit costing them more in the scheme of things. The debate reflects what is fair and what is right. Congress passes laws to protect us and these jerks side step it and laugh. I agree with what this lady did 100%.

Betty I realized that back in 1997. Their ethics suck. I was a teller back in the day and I know about the stress and the lack of information that you are not to say. The only positive thing I ever got from BofA was the teller training. That's it. I'm sorry you are going through this, but like I said the reason why they are around is because they hold the Government's account. At least that my opinion.

" If you cant afford it dont spend it. "
-----------------------------------------
I don't think that affordability is part of the debate. I think that people are rightfully pissed that Banks change the rules in the middle of the game with impunity and WE have no recourse! The banks then unilaterally ruin one's credit costing them more in the scheme of things. The debate reflects what is fair and what is right. Congress passes laws to protect us and these jerks side step it and laugh. I agree with what this lady did 100%.

I like the tax revolt idea . . but honestly I have no sympathy for debtors. I have always paid off the balances on my credit cards no matter how little money I have. I pay them when I get them and if needed, I will wait until closer to the due date when I have more money but never later . . the key is not to spend money that you don't have and I'm not sure why so many Americans have an issue with that but so be it.

I like the tax revolt idea . . but honestly I have no sympathy for debtors. I have always paid off the balances on my credit cards no matter how little money I have. I pay them when I get them and if needed, I will wait until closer to the due date when I have more money but never later . . the key is not to spend money that you don't have and I'm not sure why so many Americans have an issue with that but so be it.

i had an overdraft and the teller recommended i get either a savings account or a credit card to cover my overdraft. she then went on to explain that credit cards could be dangerous, so as soon as i got my card, cut it up so i didn't have it in my possession and it was there only for protection, because the overdraft protection was the same interest as a cash advance, the highest rate sometimes 23%. they transfer increments of 100 dollars on to the card but the money goes into your checking account. pay it off as soon as possible she said, they also would charge roughly about 3% but it would be less expensive than 35 dollars per overdrawn items. also the card hasn't an annual fee. she did say if had had funds to spare, savings account overdraft is better. i believe this teller is being honest because she has been at the bank forever and everyone likes her. oh, and it was at b of a.

Ours started with Country Wide. When BofA bought there bad paper they bought our loan. Our loan did not require Hurricane insurance and we have a letter from CW to that effect. Well, guess what. BofA added Hurricane insurance to our loan and raised our payment on a FIXED LOAN. We have had all the required insurances on our property since the loan was signed. They have agreed two time that we were right, took off the hurricane insurance said they were going to refund the difference. Guess what it has NEVER been done. We have been paying the extra but making a separate check in hopes that the AG will do something with it. If we all write to your local consumers affairs people by law they have to refer it to the BofA local consumers affairs. If we all do it they will be OVERWHELMED with legal battles. Maybe they will start settling with some of you people or at least make a doable agreement. What OUR Federal Government should have done was just pay off everyones loans! Instead they give the bank more money than they need so they can invest it in China and other countries. Don't really think that any of them give a rip about you losing your house and life. So I say its time to fight back. These people that say we are getting what we deserve are the stupid ones. They are no doubt part of the problem. GOOD LUCK GIRL.

Ours started with Country Wide. When BofA bought there bad paper they bought our loan. Our loan did not require Hurricane insurance and we have a letter from CW to that effect. Well, guess what. BofA added Hurricane insurance to our loan and raised our payment on a FIXED LOAN. We have had all the required insurances on our property since the loan was signed. They have agreed two time that we were right, took off the hurricane insurance said they were going to refund the difference. Guess what it has NEVER been done. We have been paying the extra but making a separate check in hopes that the AG will do something with it. If we all write to your local consumers affairs people by law they have to refer it to the BofA local consumers affairs. If we all do it they will be OVERWHELMED with legal battles. Maybe they will start settling with some of you people or at least make a doable agreement. What OUR Federal Government should have done was just pay off everyones loans! Instead they give the bank more money than they need so they can invest it in China and other countries. Don't really think that any of them give a rip about you losing your house and life. So I say its time to fight back. These people that say we are getting what we deserve are the stupid ones. They are no doubt part of the problem. GOOD LUCK GIRL.

Everybody that has spoken against this practice kudos to you!!! Jesus Christ said
MALACHI 3:5
And I will come near to you to judgement(make a leagl decision) and I will be a swift wittness (testifies firsthand on our behalf) against the sorcerers, and against the adulterers, and against false swearers, and againt those that oppress the hireling ( those who work for wages)in his wages, the widow, and the fatherless, and that turn aside the stranger from his right, and fear not me ( act like their not scared of the wrath of GOD)saith the Lord of hosts. The Lord says be still and know that I am the Lord Jesus Christ and I have been given power over all the Heavens and the Earth!
ROMAN 12:19
Dearly beloved, avenge not yourselves, but rather give place unto wrath: ( to place power in his hands) for it is written, Vengeance is mine: I will repay, saith the LORD. So brothers and sister your enemy will not have the final word! Just be still you will see, his word will not go void! Praise the LORD!!!!

Dear Hairy Ball Sack,
I'm sure you'd probably enjoy having another male tea bag your dried up empty scrotum...but I'm into chicks and my wife wouldn't approve. What you do in a seedy motel on your free time doesn't need to be posted in such a forum however. Don't worry I won't send anyone an email about your gay tendency's. Oh my a good Christian using the F word to get his point across...how godly of you. Shout at the devil for all I care Hairy one...your a loser hypocrite that hides his face behind the cross when any trouble in life arises. Pull yourself up by the bootstraps and take care of business....stop blaming some bank for your problems in life. Take responsibility and accountability for your actions and maybe take a course or two on finance. For each of you who continue to blame the banks, there are two of me who put the blame back on your shoulders for getting us into the financial crisis we continue to suffer through.

Frankly hairy, the banks have spoken and the word on the street seems to be...we've had enough of all these dead beat losers who rack up tons of debt yet fail to pay any of it back. Even people with good FICO scores are paying for these irresponsible nitwits. Don't you people get it?? Bankruptcy's have shot through the roof and now they want their money...doesn't matter who it is...Tom, Dick or even YOU Hairy balls.

I had a similar experience recently with Sears MasterCard. I always paid on time (automatic payments) and I when checking out way my payment had increased considerably realized my interest rate was suddenly raised from 12% to 25% and was about to be raised to 29%. I paid the card by automatic debit and had a significant balance but was no longer using the card (trying to pay it off) so I did not check the activity as carefully as I should have. I was told by Sears MasterCard that I was sent a letter in March 2009 to cancel my card or pay the increased rate. They refused to reduce the rate and I had to take money out on a home equity loan to pay the balance. I really expected more from Sears and didn't expect them to stoop to the disreputable pursuits of many other credit card companies. I will never deal with Sears credit or even shop at Sears again

Chase Visa has recently raised my interest rate although when I accepted the card I was offered a fixed rate of 6% for purchases and a 3% rate for the life of the loan for a balance transfer. However, some months ago I was contacted by a customer service rep from Chase who did a hard sell on “upgrading” my card to get additional points. I was a little suspicious and asked a lot of questions to be sure I would not be losing my good interest rate. Unfortunately, there must have been fine print or fast talk somewhere that I missed which changed my deal with Chase so that they can now raise my interest rate whenever they want. The interest rate is still lower than most card companies but now I am at their mercy. With this economy and trying to makes ends meet, credit card companies are doing what kind of amounts to selling water in a desert. They really can charge (or extort) what ever they want. For most of us honest folks, we will continue to pay until we are totally busted or bled dry.

boa it not the only bank to screw people. But I had a problem with a fruadlent deposit so bank of america says. BOA closed my accounts. With so many compaines closing. The banks treats the customers like criminal when they themselves are struggling. These banks are not treating people right. When a bank employee can tell a customer the bank doesn't want you as customer. It is a sad statement.

If you can't speak without saying umm every time you start a sentence, you should keep your mouth shut.
You signed up for the deal and now you don't like it. What a bunch of B.S.

My APR was also increase from 7.9 to 13.9 even if my credit score is around 800's. BOA really stands for the snake boa constrictor. I stop using my credit card for 5 months now and I still have 1.5 CR which they did not refund me yet.

It is good that you fought BOA, but you didn't win. Every state in the union has a cap on interest rates and the highest state cap is 8%. Credit card companies get around this by never operating in the state that you are in. New York has a cap on the interest rate for citizens of New York, but they don't cap business there that do business outside of New York. You will find BOA operates out of that state and a couple others with like laws. The thing people must do is get laws enacted that says if you use the card in your state, make payment, (through the internet), then they are doing business in your state and cannot charge more than 8%

Having said that, if you add up what you pay on $2000 dollar balance, that never pays the principle off, you will find that the interest is well over 25% on an 8% card. The reason is that they charge interest on a daily basis, which charges interest on interest. I could give an example, but it would take more space than I am sure is allotted.

Finally, when you spoke to Crawford, you should have been taping the conversation. I urge everyone to do this. You do not need to tell the person that you are speaking with that you are taping them. They have an announcement at the beginning that says the call may be recorded. It does not say that they are the only ones that can record it because the law is not just for them. So, they are giving you permission to record the conversation.

Had you recorded the conversation, you would and could take them to court for a breach of contract when they recind on the agreement.

The easiest way for the American people to not have issues with the banks and the credit card industries would just be not to apply for a credit card....what you all need to realize is when you submit an application you are at the banks mercy it is their money on "loan" to you not something they "owe" you.

I currently do work for BofA and they did get TARP fund and are paying them back WITH INTEREST for all of you who think they were bailed out, as were many other banks. Being that BofA is one of the largest banks in the world that is still functioning and has bailed out other companies such as Merrill Lynch & Country Wide, why don't people focus on the positive things they have done instead of the negative they are not the only bank that has increased rates and anyone who has had a rate increase was advised well in advance.

All this praise is great and the whining is acceptable but if you really want to hurt the banking bandits here is how to do it.

1. All States have usury laws.
2. All States have dishonest politicians.
3. All banks get around usury laws by this method so
read on to find out how they do it.
4. Employ lobbyists to grease the greedy and for
the most part inept politician who is only
interested in re election not your welfare.

5. Stop: re read the first four twice so it sinks
in to your football, fashionista head. You are
being screwed because you let it happen. No
other reason or whiny excuse. YOU let it
happen. Insulting? NO, just true. Now here is
how to fix it:

1. The key is the politician. Know who your
representatives are.
2. Get others to join you in a coalition to
regulate banks on an issue by issue basis.
3. 1000 people calling the gutless politician
with a plan will get results. One person will
not.
4. The politician's soft underbelly is he wants
to be re elected. Use it. Demand voting
records, Demand meetings face to face and
don't be afraid to use it and harass him or
her daily with phone calls email,cable TV
appearances and ads designed to keep him or
her in a negative spotlight for caving in to
banks. If you find fraud impeach. Keep people
talking and joining your ranks. The key to
success is numbers that are organized, well
led and willing to fight.

It also won't hurt to mention block voting
at re election time.

Maybe its time for soccer mom and all the
other foolishness to take a back seat and use
this opportunity to make your never will be a
soccer star learn about how the Government
really works. It will be one of the best
things you ever do for your children.

I am not against sports, extra curricular
activities of women's fashion. I am against
what is happening to you as citizens.
This country is in bad shape and getting worse
and it is more important that you become a politically
involved person and involve your children than all the
sports, fashion etc. in the world.

Check to see what we spend on Health care and how healthy we are.
Check to see where we rank in world standard of living information.
check to see what our vote for the pretty boys has done to us in every
area of our lives.
Check to see why oil, drugs, Agriculture, Food Processing are all blurred
and its affect on you, your family and your finances.
Check to see why you have lost or are losing your home, your livelyhood, your family and more
because of greed, government failure and you will find the root cause is you and your failure
to keep government in check.
Banks have just ripped you off with the greatest money grab in history with no consequences
and now think they are invincible and will continue to screw you until you do something about
it.

5. Tell the politician what you want him to do
now and how you want it done or you will
continue to harass and work for his ousting on
any legal ground during his or her term or for
re election.

6. Appear before commitees of the legislature on
this issue with as many supporters as you can
muster. Keep building your power base.

7. Interest the media. Have a spokesperson, be
orgnized. Rabble is treated like Rabble. Don't
be Rabble.

8. Your agenda is simple, You want Usury laws to
be strengthened and apply to all banks
interstate, international, and enforced
intrastate. Liberally use the NR card (NO RE
ELECTION)to make the politician pass laws
with real teeth. like the mandatory fining
without exception of first offenders and to
banish violating banks from doing business in
your state after 4 offenses ( a pattern).
Demand Treble and other damages to victims of
abuse by banks that require making them whole
and no wrist slapping. First offense equals
all the might of a government for the people,
of the people etc. Stringent? yes. Necessary?
yes. You still have the power if you use it
but it is slipping away more and more from
each generation which is a whole other issue.
Other realistic measures that are doable
should be researched, investigated and
used to bring banks under control. Don't
overlook banks making restitution to victims
etc.as a serious threat to profit. Banks will
listen to having to pay back money and then
some.

Well there are some thoughts for you and as for the person who was told your payment may have gotten here on time but we didn't process it so you lose... Even the most stupid and/or un informed politician won't buy into that one because it is a dead loser. so research the abuse and package it and a reform and use it with the most blatant ones used to enlist poliical support or fear that causes compliance... It has been said that the pen is mightier than the sword,,,

Prove it again.

9. Present usury laws do not apply to virtually
all banks because of the lobbyist who got your
politicians to exempt out of state banks from
being required to follow the usury laws of
your state even though many of them do
business in your state daily but their cards
are issued from another state. Blatant
disregard for the intended purpose of the law
and the law itself or smart business?
You ought to be able to make this decision or
just go back to football and skirt length,
dating and other trivia while you are ruined
by the banking industry.

All this praise is great and the whining is acceptable but if you really want to hurt the banking bandits here is how to do it.

1. All States have usury laws.
2. All States have dishonest politicians.
3. All banks get around usury laws by this method.
4. Employ lobbyists to grease the greedy and for
the most part inept politician who is only
interested in his re election not your welfare.

5. Stop: re read the first four twice so it sinks
in to your football, fashionista head. You are
being screwed because you let it happen. No
other reason or whiny excuse. YOU let it
happen. Insulting? NO, just true. Now here is
how to fix it:

1. The key is the politician. Know who your
representatives are.
2. Get others to join you in a coalition to
regulate banks on an issue by issue basis.
3. 1000 people calling the gutless politician
with a plan will get results. One person will
not.
4. The politician's soft underbelly is he wants
to be re elected. Use it. Demand voting
records, Demand meetings face to face and
don't be afraid to use it and harass him or
her daily with phone calls email,cable TV
appearances and ads designed to keep him or
her in a negative spotlight for caving in to
banks. If you find fraud impeach. Keep people
talking and joining your ranks. The key to
success is numbers that are organized, well
led and willing to fight.

Maybe its time for soccer mom and all the
other foolishness to take a back seat and use
this opportunity to make your nnever will be a
soccer star learn about how the Government
really works. It will be one of the best
things you ever do for your children.

5. Tell the politician what you want him to do
now and how you want it done or you will
continue to harass and work for his ousting on
any legal ground during his or her term or for
re election.

6. Appear before commitees of the legislature on
this issue with as many supporters as you can
muster. Keep building your power base.

7. Interest the media. Have a spokesperson, be
orgnized. Rabble is treated like Rabble. Don't
be Rabble.

8. Your agenda is simple, You want Usury laws to
be strengthened and apply to all banks
interstate, international, and enforced
intrastate. Liberally use the NR card (NO RE
ELECTION)to make the politician pass laws
with real teeth. like the mandatory fining
without exception of first offenders and to
banish violating banks from doing business in
your state after 4 offenses ( a pattern).
Demand Treble and other damages to victims of
abuse by banks that require making them whole
and no wrist slapping. First offense equals
all the might of a government for the people,
of the people etc. Stringent? yes. Necessary?
yes. You still have the power if you use it
but it is slipping away more and more from
each generation which is a whole other issue.
Other realistic measures that are doable
should be researched, investigated and
used to bring banks under control. Don't
overlook banks making restitution to victims
etc.as a serious threat to profit. Banks will
listen to having to pay back money and then
some.

Well there are some thoughts for you and as for the person who was told your payment may have gotten here on time but we didn't process it so you lose... Even the most stupid and/or un informed politician won't buy into that one because it is a dead loser. so research the abuse and package it and a reform and use it with the most blatant ones used to enlist poliical support or fear that causes compliance... It has been said that the pen is mightier than the sword,,,

Prove it again.

9. Present usury laws do not apply to virtually
all banks because of the lobbyist who got your
politicians to exempt out of state banks from
being required to follow the usury laws of
your state even though many of them do
business in your state daily but their cards
are issued from another state. Blatant
disregard for the intended purpose of the law
and the law itself or smart business?
You ought to be able to make this decision or
just go back to football and skirt length,
dating and other trivia while you are ruined
by the banking industry.

Gee, why did I think you would let honest commentary get plugged in. The comment was one thread on one issue. how to solve the banking problem and you refuse to print it..... Phonies.

Deprive the people AH.

Wow!! I just recently had a screaming match with one of BOAs customer service reps. I told them that the new $35.00 fee on top of your overdraft fee was a total rip off. He responded that "Its not my problem" I wasnt aware that my account was overdrawn by $5.63. They charged $35.00 fee then
5 days later mailed a card notifying me. After 5 days, they charge another $35.00 fee. I told them that they should notify us sooner, they responded, "you need to check your acct everyday"
I have since told them to close the acct and have started banking elsewhere. The fees are outrageous,and they dont understand or care we are in a RECESSION!!!!!

Wow!! I just recently had a screaming match with one of BOAs customer service reps. I told them that the new $35.00 fee on top of your overdraft fee was a total rip off. He responded that "Its not my problem" I wasnt aware that my account was overdrawn by $5.63. They charged $35.00 fee then
5 days later mailed a card notifying me. After 5 days, they charge another $35.00 fee. I told them that they should notify us sooner, they responded, "you need to check your acct everyday"
I have since told them to close the acct and have started banking elsewhere. The fees are outrageous,and they dont understand or care we are in a RECESSION!!!!!

I m Hispanic since I came to this country in 2005 I have had problems with the banks all the time, never was the money there, or was late, or sth there was an excuse to charge the $35 fee for unsufficient funds, and I thought just they did to the hispanic market, but unfortunately is against everybody, is not just boa, chase, m&t, Pnc, Citizens, all of them. I was opening and closing never is enough the money for them. I felt in this way all the time like an slave to pay thme with my own money.We have to work on this matter too.

I m Hispanic since I came to this country in 2005 I have had problems with the banks all the time, never was the money there, or was late, or sth there was an excuse to charge the $35 fee for unsufficient funds, and I thought just they did to the hispanic market, but unfortunately is against everybody, is not just boa, chase, m&t, Pnc, Citizens, all of them. I was opening and closing never is enough the money for them. I felt in this way all the time like an slave to pay thme with my own money.We have to work on this matter too.

its not just bofa and chase orchard bank also are going up on on there rate mine went fron 9% to 12%i have never been late and paid the balance of early i just called them and closd the account with all the tax payers money they recieved they still want to take the working man & womans money the hell with them just closed the accounts thats what ill be doing when the rate go up that account will be cancel [ orchard bank said it was because of the economy there interst rate were going up why do we the people always get the short end of the stick

I hate BOA. In short, I mailed two checks to them on time, I have never been late and always paid more than the min. They lost both checks on two accounts. Jumped my rate from 3.99% to 26.99% I talked to them until blue in the face. They did nothing. Four weeks later, they found my checks, admitted it was their fault and kept my rate at 26.99%. There worst than loan sharks

I saw this in the news and had to take a look. One other thing that BOA has done- they sold their debt to FIA - this company is attacking all US citizens who are going through debt settlement (me being one of them). They refuse to work with you and then hire an attorney to take you to court. The IMPORTANT THING TO BE AWARE OF : THEY CHANGE THE REFERENCE NUMBER ON THE LETTERS THEY SEND YOU TO AN UNRECOGNIZABLE ACCOUNT NUMBER. I wrote at least 5 letters stating that wiht fraud abound I did not recognize the account they say I owe money on ( I just went through a divorce). No answers came until 3 attorneys later- they hired a local attorney and I went to court. I qualify for bankrupty and owe the IRS 20K -- they still refused to settle. I am now paying them $100 a month on 20K. WATCH OUT FOR FIA - BOA SCAM! I could have taken care of this without going to court and without having a judgement against me - had they sent proof the debt was mine in the first place.

BRIAN... YOU ARE THE ONLY LOOSER HERE... Not everybody went through the same situation for defaulting in payments. Besides, many of the testimonies are about people who always paid on time and still got screwed by the banks... are you not only a looser but also stupid?... read the post you imbecile before writing your stupid comments...

I've stopped using BofA long time ago, about 10 years ago. I only used them one month then closed all my accounts. They treat you so badly. Especially in Fresno, CA

Dear Charles Stuart...first of all learn how to spell the word "loser". A "looser" is a person like yourself who can't spell the word loser correctly. Also I have read many of the posts here and honestly don't believe most of these people. They are a bunch of lying cry babies who can't take care of their own personal finances. Read the fine print before you sign up for a credit deal and if you don't like how it's going...pay off the card and use cash instead. If you have no cash to pay for what you are wanting to purchase...then you shouldn't even have a credit card in the first place. Credit cards are for convenience and most people with half a brain don't even allow a bank to change 5% interest. It's called paying it off in FULL each and every month!

Dear Charles Stuart...first of all learn how to spell the word "loser". A "looser" is a person like yourself who can't spell the word loser correctly. Also I have read many of the posts here and honestly don't believe most of these people. They are a bunch of lying cry babies who can't take care of their own personal finances. Read the fine print before you sign up for a credit deal and if you don't like how it's going...pay off the card and use cash instead. If you have no cash to pay for what you are wanting to purchase...then you shouldn't even have a credit card in the first place. Credit cards are for convenience and most people with half a brain don't even allow a bank to change 5% interest. It's called paying it off in FULL each and every month!

Fact 1.The majority of applicants do not read the rules of what there agreeing to.
2.When the guidelines are not followed because of
ignorance and neglect of the rules then you wa wa
about the consequences and don't take responsibility
for the mismanagement of YOUR account.
3. Card holders can't just pay when and what they want or that creates disorder.
4. The court rooms are filled with too many cases
using up time & resources blaming others to avoid personal responsibility.

I agree with Brian 100%. Also People are so uneducated about finances that this clearly needs to be included in middle school & high school curriculum in detail.
PS Barclay Bank did NOT take Bailout funds.
All companies are not the same.

Touche' Fact Poster.....Touche' indeed.
Personal responsibility and accountability has gone completely out the door. People love to play the blame game when actually it's they who need to take a good look in the mirror and say "What did I do to get in over my head and how can I get myself out of this bad situation?" Stop blaming some bank for for all your problems!! They are sick and tired of people defaulting on loans left and right. Again...it may not be fair that you with the 800 credit score have to pay higher interest on your card now...but LIFE isn't fair. Most credit deals are adjustable rates...just like an ARM housing loan. Read the paperwork before you sign up.

Yep, bank of America SUCKS!
Oh ye fools that can't see how stupid we are. The government takes our hard earned tax dollars, gives it to the banks and mortgage companies (free money no interest), just so they can loan it back to us at high interest rates. The rich get richer and the poor get poorer. Oh, and those that are middle class will more then likely fall to the poor side as the government, local, state, federal and counties, continue to raise taxes as we lose our jobs or don't get pay increases.
Our government is out of control giving our tax dollars to private companies, making people take H1N1 injections, possibly require you to pay for health care even if you can't afford it or fine you $3,500.00. Pretty smart to fine someone that doesn't have money in the first place. Let's not forget the billons of dollars of our money they waste every year. Yep, that's right all of those local, state, county, and federal programs that usually help out everyone, but those of us that work, is our tax dollars. I'm glad to see others get so excited when they roll out some federal bull shit program that helps either the rich or the poor while the middle class usually don't qualify. Yep, the middle class carries the rest of this country and we're shrinking. Wow! we have some really awesome leadership. GOD BLESS AMERICA

FOOLS WE ARE.

BoA charges me 2000% interest, man am I a sucker. I have a 59 cent charge at a special promotion rate on my card in addition to the normal charges. For some reason BoA calculates interest for it seperate than the others (even though it'it's suppose to be the same APR) Every month there is a $1.00 finance charge on that 59 cent balance which is their "official" minimum charge.. They won't leave me pay off that 59 cents until the entire card is paid off. So $12 a year on 59 cents is 2033%.