Bank of America, without my authorization and without my consent enrolled
me in to their business card security insurance last August.
Was abroad from the beginning of August to end of November 08, my trip was
also informed to BOA, so as not to have problem using credit card abroad.
I had 0% apr bank loan from BOA payable in a year, so in my absence, they included business card security fee of more than $200.00 a month on top of monthly bank loan payment.
When I returned back, tried every means to convince them it is not authorized
and no consent is made to enroll in business card sec. insurance.
Between end of November and beginning of January 09, I called BOA customer service more than 10 times to dispute their claim and cancel the plan.
After January 09 I have sent them additional 2 dispute letters but so far no response is provided.
The bank loan mentioned above was to be paid in full at the end april 09, but I paid it completely 11 days before the due date.
Now they are telling me I still owe them $617.37 for the business card security.
I used to be loyal customer and have never defaulted payment, in fact I still have the title of preferred/advantage customer.
They ought to believe me when I tell them, I never asked nor agreed or authorized the insurance, besides they don't have oral/written evidence to support their claim.
How can they do this to trusting customer?
To make things worse, they are calling me constantly, threatening to report
to the credit agencies and spoil my record.
How can I convince the credit agencies not to spoil my record?
How can I stop bank of america from ripping me off?
Can somebody help?
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