Simple to explain: I sent a payment Monday, they supposedly 'received and posted it Saturday' due on Friday. According to BofA, you need to mail your payment 7-10 days in advance due to the USPS. Doesn't mail usually take 2 days. Not according to BofA. I called to dispute the late charge of $39 and was told that if I had a problem with the date they received it, I should contact the USPS. I was offered a half credit for mailing my payment on time.
Then they took my 0% balance transfer interest rate up to 9.99%. But the kicker is they went back to October and decided to recalculate my interest rate and charge me an additional $12 in interest= $51 dollars total charges.
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