Should I be seeking punitive damages?
FIA Card Services dba Bank of America credit cards enticed me with a 4.9% balance transfer rate until August.
I've had a credit card with BoA for many years. On January 19 I set up a recurring payment, the payment time is automatically scheduled by them.
After I transferred balances and closed other credit cards, presto, my payment is late. BUT my payment is schedule BY THEM! They scheduled my payment one-day late, then popped me with a $39 late fee and jacked my interest rate to plus 10%.
I called them once, they said they're sorry and refunded my late fee. I said, what about the interest rate?"oh, I'll transfer you to a manager..." which as you expect, she hung up on me.
I called them just today, told them the story... I asked for the intro rate as a punitive measure until the end of 2009. They said no, and re-instated my rate until August.
I think they're wrong, they're bad, and they should be exposed and punished.
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