I've experienced one of most horrible customer service after calling the Bank of America (BofA) toll free number. The rep made jokes about the payment I sent the previous month to pay a credit card balance that BofA never credited to my account, plus posted a $39 late fee. He said that live was though and should get over and send a "good" check.
In September, I sent 3 checks to pay my credit card balance (never missed a payment either with them or any other bank). I received a letter stating that they could not honor one of the checks because it was a cash advanced check issued by a financial institution from the same FIA group, what I understand. But, one of checks was a personal check for $8,000 from my checking account (with more than enough funds to cover it) and the other was another cash advance check from another financial institution. Even though the fact that I sent 2 cash advance checks may have sent the wrong message, I don't have any balance at all on those accounts and was trying to lower my over all interest with a couple of offers, since BofA had recently increased to an insane 17.9%.
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