I will try to shorted this. Bank of america randomly quit sending me statements in oct. I tried to call and could never talk to a person so I sent letters, no response came.in Feb. 2008 they called me and said I owed a bunch of $ cause I missed a payment in december (which I did not). I sent them info on check which got applied to the wrong account number. So they fixed that but kept the interest rate at 30% which has kept my account behind because they want a $600.00 mo. Pmt (which I cant afford even if they weren't in the wrong). I sent them letter saying that this needed to be fixed or I would sent a complaint to the BBB and they sent me a letter saying they would investigate and get back to me. They have never gotten back to me and now I am receiving letters that they have closed out my account and are reporting to the credit agencies because Im now $800 behind in finance charges due to the incident in december that I never knew about because they weren't sending me statements!