Husband and i both on the phone when calling b of a in dec asking to lower interest rate. B of a sales person tried to sell us protection plus and we wouldn't have to pay our bill for 18 mos. Sounded too good to be true, told him no thanks, but yeah, you can go ahead and send us infor. Puts us in touch with fin. Dept. To get interest rate lowered. Filled out appl. With woman with both of us on the phone lowered interest rate and mo. Pymt would now be $131 per month.infor. Her that we no longer used the card and were only interested in paying if off. Told me in order to have new rate she would have to lower our credit to $7,200. No problem. Three months of payments go by and i notice it's not $131 min. Pymt and a charge for $65 to credit protection plus. Got mad and called. Passed around at least three or four different departments having to explain that i did not order protection plus. Told i need to write a letter stating such and they would review. Got a letter back telling me that i did order protection plus and they weren't budging. Called screaming and taping phone conversations. Finally spoke to someone and he told me i did, in fact, order it but he would take it off and refund my money, plus interest. Asked him where my $131 a mo. Paymt was and he told me that was a one-time offer.informed him, no, that was not a one-time offer. Also asked him what the $30 sum purchase charge was for and he told me that he wasn't sure, but it might be a bal. Transfer i did. Told him that was a one-time $750 bal. Transfer and they couldn't retroactively bill me for such a thing and the bal. On the card was lower than the bal. Transfer i did in '09. Next bill i get the protection plus is off, but the correct amount was not refunded and they changed the purchase fee of $30 sum to a bal transfer. They also added purchase fees for the balance transfer and added bogus late fees when i wasn't late.
Have written nine letters mailed us mail certified w / return receipt to ceo in charlotte, nc. Started getting up to 10 phone calls a day from their collection agency ringing twice and hanging up. Called the police and made out a report. Wrote the ceo, brian t. Moynihan, again telling him to call his dogs off for the second time. A letter in response from them admitted they were the ones calling my house. Told them i worked from home and their phone calls interrupped my business and my cell phone mailbox overloaded and i lost business. Billed them what i bill my clients, 60 to $75 an hour per recorded collection calls and took what they owed me off my bill from them. Paid them appox. Three more times at agreed $131 per mo. And have since put the remaining payments in escrow. Mail them a copy of my check each time they send me a bill us mail certified w / return receipt. Told them to close my account. They wrote me back and said they closed my acct per granter. Way back in may sometime around my 5th letter to them. Wrote back and told them, hey, told you not to contact any reporting agencies until this dispute was resolved. Closing the acct. Without my knowledge and by grantor damages my credit. Told them i would report them to the authorities and call the reporting agencies. Have heard nothing for two months. They continue to bill me late pymts, plus interest; transfer fee, plus interest; purchase fee plus interest. They keep telling me their in-house lawyer is investigating our account and they're going to take action, but have done nothing but con't to bill me.
Very interested in class action suit. Have read a lot on the internet with consummers having the same problem with b of a and fia card services. Their collection agency was fired by them for harassing their customers. See: abc nightly news with diane sawyer b of a collection harassment. You will see b of a's ceo, brian moynihan stating he had no idea his collection agency was doing that. That's a lie because i wrote him several times telling him so long before that report aired.
I have taped telephone conversations and copies of all letters and bills with return receipts. Very organized.
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