Just like everyone else, Bank of America is inconsiderate and doesn't own up to its own mistakes. My fees were much less than most people, but it's the principle of the things that really gets me.
I was signed up for automatic payments on 2 credit cards for six months, and suddenly for some inexplicable reason, the payments didn't go through this month. I didn't find out until two weeks after they were due because I was so busy with everything else. I called and the woman *said* she fixed it—had me pay this month AND next month's payments on both cards (ouch), as well as removed the late fees. Alright, fine. But of course a few days later I check my account and the late fees were never removed. So I emailed BOA and whoever responded thankfully removed the two $40 charges (I hardly make any money with my job, so 80 bucks is a lot). He said to "Please remember that this adjustment is a courtesy, and may not be waived in the future." So I emailed them back to make a point—that it was NOT my fault and the fees were NOT applied correctly. I said they should not penalize customers for relying on a service that they provide and promote. He responded with, “We understand your concern. Please note that our system shows that the late payment fee was correctly assessed and because of your great history we remove it as a courtesy. Allow us to inform you that we use the word courtesy since the fee was applied correctly. We appreciate your understanding in this matter.” The two emails were responded by two different people, naturally.
How as the fee applied correctly when I had automatic payments? That's BOA's responsibility, not mine. And they should have informed me that my payments did not go through if they can see I have signed up for automatic payments. I’ve never been late or skipped a payment before in the years I’ve been using a credit card. When I pay off these cards, I’ll do my best to never use them if I can help it, or switch to a different bank.
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