Bank of America
Charlotte, New York
United States - 28255
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I have had a Bank of America Visa card for many years. I have decent credit and pay my card in full. Tonight I received an alert about an on line charge. I didn't authorize. 'after 30 minutes on hold I finally get a person that doesn't care that I've been on hold that long. Then he tells me I have to call back once the charge is posted. There is nothing they can do while it is pending!!! So they are going to let a charge go through knowing it is unauthorized. STUPID. Well by then I'm fit to be tied. I ask him if he can cancel my account. He says yes. Do it. He says the account is canceled. They don't have any customer service they don't care how they treat their customers or that they even keep you. So tomorrow I have to call back and be on hold for who knows how long. I think I'm going to move all my banking.
Please accept this letter as my official request for assistance due to hardship.
I have contacted my loan servicing provider about applying for the home stability plan however they state that the prongram details are still not available.
Unfortunately, I have ran out of time and my home has been sent for foreclosure the sale date appears to be May 21st. If I can not find a way to save my home me and my 3 children (15y & 2 eighteen month olds) will be homeless.
At the time when I purchased my home I had an 815 credit score. The reason I fell behind in my home payments is that after my return from Texas. I went into business for myself and In May 2007 my restaurant was closed due to financial and complications from my pregnancy. I gave birth to twin sons on 6/10/2007 and separated from my husband within a month of their birth. I later filed for a divorce on 8/05/2007 and all my primary sources of income were lost. I then return to work after a few weeks and due to a motorcycle accident my son Fernando Keith Rouzan fell off the Greater New Orleans Bridge and died after 5 hours of surgery on 2/09/2008. These events caused financial hardship as well as an unexplainable amount of sadness and grief.
At this time I have manage to pull my life together, returned to work and I am currently working two jobs to help maintain my household and save money. I do feel that I am ready to resume paying my house note although I can not afford to pay the back payments.
Any suggestions or help would be greatly appreciated.
Bank of America got control of four of our banking accounts by taking over MBNA; we would never willingly do business with B of A. Wrenching our money away from B of A has been the longest and most frustrating financial transactions we have ever encountered. B of A ignores all e-mail submitted through their website. Simply ignores it! B of A also ignores faxes, snail mail, and Certified Return Receipt snail mail! The latter is signed by "R. Jones" -- but nobody knew any "R. Jones" when I called to inquire why my instructions to close an account continued to be ignored. Beyond nervy! The only way you can communicate with B of A is on the phone -- which means verbally with no witnesses and no proof. So even though some fake first named B of A phone employee promised to close my account and wave the bogus penalties fees imposed after the account was ordered to be closed, today (months later after no statements or other communications) I receive a threatening notice from B of A saying that they plan to ruin our credit and lives if we don't pay the ever-increasing amount of bogus penalties plus interest on our long-closed empty bank account. Bank of America, I hate you.
My boyfriend has had a cc through b of a for many years now and has never been late with a payment. Matter of fact it comes out automatically every month. And is always three times the size of the minimum due. They closed the account without prior notice and without a good reason. They said that we could always file a complaint but they stand behind ther decision to close the account. I honestly did'nt think that they could do that. So I went and talked with the branch manager and they said that they have the right to close the account at anytime without prior notice. I know that b of a is in financial stress but does that mean they have to put there customers there as well? I will never again as long as I live deal with b of a again.
My boyfriend and I have been loyal customers of b of a for years and have a platnum cc through them. We have always been on time with our payments and have always paid more than the required amount. I was looking on line to see our balance and to make sure that the payment was applied. I noticed that there was no available balance showing.. I then called b of a and they proceeded to tell me they closed the account. Why? They said they didn't need to give a reason. They had the right to close it if they needed. They told me to file a complaint if I so wanted but it would not change their decision to close the account. I will never deal with them on any level ever again.
My son is heading to USMC boot camp and opened an account with BofA so I can use to cover his bills while gone. He opened with $100, then used ATM on 3/24 to buy gas and a sandwich (total $27.41). He learned 3/31 that they charged 2 overdrafts, charged a $888, 888.88 withdrawal (???) and have closed his account. Didn't tell him until he did the research. Now, he's headed to boot camp on Sunday and his state and fed tax returns are to be deposited to this closed account. One more worry while in boot camp. A call to BofA - said they'd give him 30 seconds to state his issue. Are you kidding? Who does business like this?
Countywide Auto movers is a ripoff. They were suppose to pick up a car for me on 3-11-09 thru 3-13-09 I called them on 3-13 to see what time they were picking the car up, They told me they would call me back to let me know. They never called me at all. On 3-16-09 I called them back they told me they did not have a driver for New York but if I wanted to pay an extra $100 they would find a driver I said no way just cancel my order and take the charge off my credit card. It has now been 1 week later and they are still giving me the run around. Be ware of this company.
Countrywide holds my current mortgage. Because of a balloon payment in 2010, and with the low interest rates, we decided to refinance. We looked at several banks and mortgage companies, and decided to go with Countrywide, because their good faith estimate looked the best, and we thought it would be nice to stay with the company. I paid them a $435 loan processing fee. A month went by, we had the appraisal, which looked "great". The day it was to be processed, I received a call saying that the appraisal came in low, and that our closing costs would increase by $1700 and .5 points. I decided to not have them process my loan, but, they would not refund my $435.00.
I then received a copy of the appraisal, which they could not find anything close to the 4.35 acres which our house sits on in Bothell, Wa.
The comps used were 1 acre parcels in the area, and they use some sort of conversion for a single family dwelling.
I asked to pay for a second appraisal and was denied.
Looking back, I noticed there was no market value of our home on the good faith estimate.
I feel this is done so that Countrywide can get you to give them money for the application fee, based on numbers that are incorrect. Then at closing make up for it by telling you the appraisal came in low to make the loan to value ratio in their favor, so they can add extra points and closing costs, that were should of been up front in the first place.
I recently ran across a class action that customers can get back $78.00 from bank of america for overdraft fees (smartmoney.com is site to claim that money back) to me thats sincerely unfair when they stole over $4000.00 from me in overdraft fees with overdraft protection on both the checking and savings account that linked them together not to mention I had more money going in than I had coming out. (direct deposit of pay).
One of the saddest part of this story is that the BANK MANAGER in Rincon Georgia was the one that opened my accounts.
I know if your reading this your probably asking how, the problem I had was I worked 15 plus hours a day in retail management being a single mom with three kids to support I was busy even if I did manage to get a few hours off work.
I knew I had plenty of money in my accounts never suspecting there was a problem. THE BIGGEST MISTAKE OF MY LIFE not to mention an extremely costly one!!
I got off work decided to take the kids out to dinner we went to our favorite restaurant order and ate it up I give her my bank card to pay low and behold I'm declined not only was that humiliating but I knew it couldn't be possible whatsoever. To make matters worse we have to sit there impatient and degraded while a friend of mine comes to pay for our meal. Of course my kids are young with no understanding their complaining about being broke of course loud enough for others to overhear. Me well I just wanted someone(s) head on a platter!!!
The minute I get home I signed onto my bank of america account. Omg my night has went from the worst to terrifying it showed I was hundreds in the hole and they were receiving my paycheck at mid-night to STEAL even more. I went back on my account before getting so heated about their overdraft fees to which I had overdraft protection (remember set up by the rincon bank of america manager herself!!)..
I went straight to the bank the next morning waiting on them to open the doors and let me in I met with the bank of america manager herself told her we had a serious problem she reviews it looks across me at the desk and says 'well I can't do anything about it, you should have been keeping better track of your money! Its too late.' (yet to me I believed I was paying them to protect my money not STEAL from a single mother of three) I almost beat her and at this time it was a rough estimate of $1700.00 because the computer only went back so far.
Low and behold I had to pay to get the paper records I closed the account took out the few dollars I had left and waited for the paper records to arrive via mail. At the time I didn't trust any bank to hold my money because of what bank of america done to me after years of having my money. And NEVER during those years that they had my money DID I EVER not have money to cover what I was spending.
Even though the accounts were linked the checking was staying negative while my savings was being STOLEN to cover fees I never should have had to pay to begin with. When I finally received the papers I went through them to discover it was over $4000.00!!!
I went straight back to the bank still was denied. Called the corporate offices and the only message I ever get is someone will contact you that call NEVER comes.
Something seriously needs to be done against bank of america I CAN NOT afford to be taken for that amount of money it is all me and my kids have I do not get welfare or child support. I worked damn hard for that money and never once suspected that they were crooks..
Needless to say I had to have a bank account because of what bank of america did it put us in a huge financial state I needed faster access to my paycheck. So I go to a different bank (of course) to open an account only to find out that bank of america put me in a record to deny other banks to do business with me. All to cover up what they stole from me they've now taken to making me look bad.
To top it all off they had the audacity to send me a bill saying I owe them even more money my god over $4000.00 wasn't enough for them!! I sincerely can't believe this happened but if your thinking about opening a bank of America account please think twice unless you have excess thousands to throw away (if thats the case drive down the road and toss it out the window at least then you'll know how much your giving away and not having stolen from you.)
If you currently have an account with them I urge you to track every penny!!!
If anyone that has had success in gaining their money back from them please respond here me and my kids can't afford this..Please help desperate!!!
And if by chance corporate people from bank of America read this I sincerely hope you have a heart and look into what you have done wrong if not well what goes around comes around and you will have to answer for it on judgment day!!!
If anyone knows of legal action it would be greatly appreciated!!!
I HAVE ALL OF THE PAPERWORK TO BACK-UP EVERY ALLEGATION I HAVE MADE HERE AGAINST BANK OF AMERICA.
Also I would like to thank [redacted] for their site I recently ran across it when I was checking into another business and I think it is terrific that you can go to one place to state what you know about a company. I was actually going to invest in a company until I seen those reports, your site saved me from making a big mistake. Believe me when I say BANK OF AMERICA WAS ENOUGH!!!
Recently I was going through my checking account deductions and I came accross a few transactions like below.
CHECKCARD 0217 PAY-GMVBILL.COM [protected] 74282649050000000042173
I really dont have any clue about this and I need my money back. Please help me in finding out this fraud.
Countrywide is the worst financial institution in the United States. It is not surprising they have been a part of scandal. Countrywide is the Mortgage Company I pay, and can you believe that I spoke to 4 different people and got 4 different responses. I called inquiring about a lower interest rate and/or a program I may qualify to lower my 7.9% interest rate on my $127, 000 home loan that is now valued at $100, 000 dollars. I hadn't missed a payment and wanted to know would I be eligible for a lower interest rate. The first person was very encouraging told me to wait a few weeks when more information was available; she told me someone would call me. She gave me a reference number and all. However, no one got in touch with me after 2 weeks so I called them back. The next person sounded like a broken recording. She kept repeating the same old thing to me after asking her different questions about how I would qualify for a lower interest rate. (The same questions the first representative so eagerly responded to). Needless to say, she ended up telling me I don’t qualify for anything because my investor was not Fannie Mae or Freddie Mac. She told me that I would have to apply and qualify for a regular refinance option that would increase my already over priced home. The 3rd person told me that I needed to be delinquent before I could qualify for the new government programs. Yes! She told me I paid my mortgage on time; I don’t qualify for lower interest rates. What a first pay on time and be penalized? I was amazed that she said it out her mouth, not surprised though, Countrywide again are like robot recorders, I'm sure someone said that to her and like a recording she repeated it. However, I spoke with a manager "Mark" told me he’s going to get right on my case. Said someone would call me first thing in the morning. Found out two days later he lied! Lied about his name, no Mark work there and obviously I never got a call. I called back again. This time it started all over again I would have to apply for and qualify for a regular refinancing costing me 4 to 5 thousand more dollars onto my already over priced house! The housing market may be bad, but Countrywide’s customer service is 100 times worst! My neighbor is using Wells Fargo and she’s not only had a much better response she got a lower interest rate!
Last September of 2008 i applied for a refinance of my home after putting improvements to the tune of over $ 45, 000. New roof, siding, all windows, landscaping, interior renovations many things. Thing new company not country wide. Calls me and informs me that i need to stop making house payments as the loan is approved and will go through.. So i do this the the day my payment is due they call me and say make the payment because so delays came up so my wife gets online and makes the payment on a friday afternoon. Countrywide does not post it until the following monday making it show as late payment!!!
New finance company calls several days later to close the loan and we all get on the phone in a conference call myself, countrywide and new finance company.. Countrywide says i have two late payments on record and new company says that is one too many so the whole thing is canceled and i am left out in the cold..
This would have reduced my payments by over $450.00 a month and taken this insane mortgage insurance off the loan also you know the one that i have to pay the premium costs but countrywide gets the money payoff from if i default on the loan and im left without a house even though im paying the insurance policy!!
Racketeering is what that crap used to be called now its perfectly legal !!!
So im stuck with an $1800.00 a month payment and my income has been reduced to 2500.00 and below. my employer has laid me off for the winter and my wife is ill and cannot work i have a mentally handicapped son and debt coming out of my ears with no end in site and everywhere i turn all i get is sorry and it could be worse... Well so much for the government bail out !!! what a ripoff joke our government is !!! and that is the popular opinion of the masses!!!
Bank of america - cambrian branch
Today I went to b of a cambrian branch, san jose, ca, to get travelers checks I need for my vacation.
I stood in two lines only to be told the bank did not have travelers checks except for 1k amount.???
The rest were on route???
This is very poor service.
I have been faced with financial hardship and fell behind on my house payments. On January 1, 2009 I received a certified letter from Countrywide stating that they understood that I was going through a difficult time and with the HOPE team they were going to refinance my home, making me current on my back payments as well as lower my monthly payment from 1580 to 1240. The letter stated that I needed to have it signed and notarized and to return it in the pre certified envelope enclosed by Jan 27, 2009. Effective Feb 1, 2009 I would restart on a clean slate. I did as instructed. Sent the letter of on Jan 15, 2009. Feb 11, 2009 I was informed that my home was going into foreclosure. When I spoke with the representative at countrywide I was told that they never received my signed letter. The envelope that was provided only had one address on it in the sender section and the return to sender section which was COUNTRYWIDE. So how in the world did that letter just disappear? I informed the representative that the letter was returned. She informed me that because they have no record of it I no longer qualified for the HOPE team modification. HOW CONVIENENT! So now, they are not willing to work with me at all. They want me to pay back all the late payments at once. 6500.00 or my house will go into foreclosure. I asked them to help me. I was instructed to get a second job to make my payments.
I have been in a workout status off and on since Nov.2008. I first contacted Country Wide In Sept and again in Oct. 2008 to let them know it was looking like I wasn't going to be able to make my payment. They advised me then that for any kind of modification you needed to be at least 90days behind. I called again in Nov.2008 and learned about the Renention Program and entered a work out status.
I faxed everything I was asked, pay stubs, hardship letter and was told I would know something in Dec.2008 well on the 17th of Dec. I got a voicemail left on my phone from Country Wide wanting to know if I had received a fed ex package and please return their call right away. Well I called repeatedly and spoke with several different people and no one had a clue about what I was talking about!!!
So on Jan.22 2009 I was told I was never entered into a workout program and because I had already had a modification that fixed my ARM from 10% and climbing even higher back down to a 8.9% for the five years. That I might not qualify and they would have to start back all over and refer me back to the department so once again I entered another workout status faxed another hardship letter and 2months worth of stubs!!!
On Feb.9th 2009 I found out my debt to ratio was to high and didn't qualify HELLO IS THIS NOT WHY I'M CALLING TRYING TO GET SOME HELP SO I DON'T LOSE MY HOME!!! I thought this program was designed to help homeowners struggling to make ends meet? Well after talking to several different people again because you never get the same person or the same answers. I explained to this man who was actually very kind and listened and didn't give me the run around!
I told him I was trying to save my home and would do what I had to do but couldn't afford the arrears now since they had advise me not to make any payments and that because of my work slowing down I was in a situation where it was hard to even pay the simplist bills and I had gave my truck back so I no longer had that payment, I budgeted my grocery bill, spoke with credit counseling service and that I'd even be willing to rent a room out in my home for $100.00 weekly.
So with all that being down and I rented the room out I enter another work out status, faxed more pay stubs, hardship letter, room rental agreement. I received a phone call that another hardship letter was needed so right away I faxed it and asked then if anything else was needed and was told no they had everything else on file. Well the next week I was working outta cellular range and didn't get any of my calls not to mention I was suppose to find out that same week if I was accepted or not so 2 days before I got a voicemail from Country Wide well that evening when I called it was too late they canceled my workout because they said they never received my financial information.
I was furious!! I was told though that there was a note left on my account that it could be reopened because they only made two attempts to contact me and oh and by the way they never once tried my wife's phone which was on file as well. So I was told to call back the next day well the first person I talked to told me she couldn't touch my account for 2weeks!
So I hung up called right back got someone else and he said he took all the codes off my account and that he would note everything but it would take at least 24hrs for the codes to come off and call back the next day. Well I did only to learn that now because I chose to rent the 3rd room out in my home to help with my debt that now my debt to ratio was positive and they felt that I could afford my mortgage and did not qualify for a modification and I could go on a repayment plan well when asking what my payments would be I found out I didn't qualify for this either because it brought my payments up to 300.00 extra a month because they could only spread it out on a 6-9month period and I was only positive by 100.00 a month.
I asked what I was suppose to do and she told me to just start making my payments again and when I asked about foreclosing on my home if I started back making my payments on time now that I had the income from the 3rd bedroom I was told that foreclosure procedures could still take place. I was very upset and didn't under stand how my case could change like that over a 2week period I had just applied for the workout case and now I don't qualify and they only made 2 attempts to contact me and never tried a 2nd number that I had on file in case they were unable to reach me I asked to speak with a supervisor and had to wait about 15mins for one to be found and then all she did was basically go over what was already told to me and when I asked about spreading the repayment plan longer she told me it could only be done for 6months and placed me on hold for other 40 mins
so finally getting fed up I hung up after waiting that length of time called back again after about an hour talked to someone else who has now referred me to the HOPE Department and now I am once again faxing pay stubs, hardship letters, room rental agreement, I really feel I am getting riped off they don't care about my hardship or helping me stay in my home I have never dealt with such a ridiculous company and I have a second mortgage through another company which I have talked to the same 2 people about my account and they have worked with me every step of the way I only wish they were my first mortgage as well thank God country wide sold my account to them now only if they would sell my first!!!
I have a feeling how this workout status is going to end as well but I am going to start making payments so that I don't fall farther behind and Pray for a positive outcome I'm not going to let them take my home when they advised me in the beginning to default on my mortgage and now by the way I was told they don't advise you now to default that there helping people before they become late!!! HA HA what a joke why weren't they doing this 7-8 months ago?
Americans with excellent payment histories are haivng their Bank of America credit cards that are iassued by FIA Card Services cancelled unannounced. One victim of this abuse has begun a national petition to begin a national class action upon Bank of America, ken Lewis, CEO, FIA Card Services and their agents. DJ Donnelly, had a Visa card from BOA with an excellent payment histiry for over one year, in Feb of 2009 BOA and FIA Card Services cancelled the card unnanounced which trying to make a purchase. Donnelly reveiced a bogus letter explaining why they closed the account which was not only fraudulent but very deceptive. Donnelly is spear heading a national class action to help other vicitms of this abuse that ruins your credit by hainv, "Closed by Credit Grantor". with no late payments, never over the limit, no cash advance abuse, this abuse is being done to excellent paying customers. To join the petition go to:
We need to change the "America" in Bank of America to Bank of Abuse...
They have some REALLY great folks at CW and some REALLY bad ones! There seems to be no in between. All I can say is I sure hope they really ARE monitoring the calls because the woman I spoke with tonight misinterpreted everything I said, acted like I'm trying to get out of payment, and then refused to identify herself.
I've already paid this month, on time and IN FULL, as I have every month for the last six years. However, since losing my job I just wanted to see if I could have the insurance and taxes taken off the monthly payments and put on yearly instead. That's all...That's hardly the same as saying I don't want to pay. The "loan consultant" said I couldn't just "avoid paying til the house sells", ...hunh?? My house isn't even for sale.
She was SO rude that, when I asked for her name, she refused to give it, so she KNEW she was being rude, and wasn't listening well. I asked again for her name and she refused again, then she transferred me back to cust. svc., which was closed.
Not exactly the "world class" svc. they advertise on their site.
I recently received a letter from Bank of America stating that my previous credit limit on my business Visa...
I have had an account with bank of america since 2005. I had gone on a trip to disneyland and charged it to my card. For 5 days after I checked my account to see if it had gone through and it had not. I went ahead and charged my card 4 times and checked my online banking at 5pm and the transaction still had not posted I then checked at 10pm and still no sign of the disneyland post. I then the next day used my card again for 5 more transactions and got declined for the last one. I went into the bank and was told I would have 3 overdrafts because of the disneyland transaction that had gone through the day before. I asked how that could be when I did infact check my account at 10 pm after the cloes of the days trasaction.(Their cut off is 8pm any given day except sundays will post on monday.) She told me the charges would be reversed since I am a valued customer but it would have to be done the next day since it had not shown up on my account yet and I should deposit the money for the items still peding to cover those. I did.
I then checked my account the next day and found the overdrafts went through first before any transactions and it caused 6 more overdrafts as a result. I called BofA and talked to a customer service reps who sounded more like he should be on the street dealing drugs than talking to customers, slang and all. I asked to talk to his manager and was transfered to a guy who told me i had a spending problem and its not their fault they are not the ones who charge and charge with no regard and he had already spoken to his associate and its not their error. I brought up the fact that no transactions will be posted untill the next day per their policy if it posts after 8pm that day and I had looked at my account at 10 pm and it was not there and I was told I was a valued customer and these charges would be reversed. He said there was nothing he would do to help me and again I "Have a spending problem." I asked to talk to his manager and he placed me on hold and transfered me to a full mailbox which leads me to believe he was not a manager at all.
I wrote to the complaints department and to the customer service and was given a generated email that probibly goes out to everyone.
Thank you for your inquiry dated 3/12/09 regarding Customer Service. We
will be happy to assist you.
While we regret to hear of the experience you have described with Bank
of America, we are glad that you have brought this to our attention. Our
commitment is to provide the highest level of service possible. These
standards demand that we treat you and your requests with understanding,
integrity and respect.
You are an important customer to us and we look forward to your
continued relationship with Bank of America. You can be assured that we
will make every effort to avoid a similar situation going forward.
Our records indicate that several transactions were presented against
insufficient funds in your account on 3/10/09 and 3/11/09; thus, causing
an overdraft in your account. Overdraft fees were assessed based on this
To avoid these fees in the future, please review the account records to
ensure that sufficient funds are available prior to issuing a check,
negotiating purchases, or any other transaction that will be processed
against the available balance. This includes ensuring that all deposited
items, whether direct deposit, transfers, or personal checks have been
posted to the account and are reflected in the available balance, and
that there are enough funds to cover outstanding checks.
We value you as a customer and appreciate your business. If we may be of
further assistance, please contact us again by e-mail. Thank you for
choosing Bank of America.
Bank of America
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Message text: This banking institution has really given itself a bad
name with me. I have banked with you since 2005 and I will never bank
with you again or pay all these overdrafts you have posted to my
account. I had checked my account as of the 9th of March and I didn’t
see the Disneyland charge post to my account. I therefore did not
deposit additional money as I thought I was good with the money I had in
there to cover my charges. I then found out the next day that after 10
pm the Disneyland charge had gone through and made 3 overdraft charges
to the smaller amounts that had already been pending to my account. I
deposited money to cover the additional charges not including the
overdrafts because I was told by a branch banker that those charges
would be removed as a one time grace. I then called and was told no that
the charges would not be reversed and I would get 6 more on top of that
because I made charges to the account. So a total of 9 $35.00 charges
for one thing t!
hat did not show on the online banking that I checked and was not there
the night before.
As I understood your policy to be that all charges before 8 pm would be
reflected that day and all charges after 8 pm on that day would be
posted the following day I figured checking it at 10pm and it was not
reflected so it would not be posted until the next day so I could
therefore make a deposit the next day.
I think what you are doing is fraud. I understand I should have money in
my account to cover charges but When that account was checked on and I
was told the next day the charges would be reversed if I called the two
things that should be upheld should be in fact upheld.
Also I did call on the 11th when the charges posted and there was some
gangster sounding guy that was a manager that was to transfer me to his
manager and gave me a voicemail that was full I think the guy did this
because he was not a real manager. He didnt care what I had to say he
told me these charges where my own fault and I should not spend so
careless and so much. I told him I was not being careless I was checking
my account to make sure everything was in fact okay because my husband
was sick and I had to attend to two kids.
I thought this bank cared and I loved banking here until now. I never
thought I would have a bunch of rude unprofessional customer service
So she needless to say never answered my questions and didnt read my email since it had nothing to do with transactions that posted on the 9th. She talked about the transactions that had gone through on the 1oth and 11th that where a domino effect since the one on the 9th went through past 10pm.
These people do not even play by their own rules! Frauds!
I received checks from this company stating an interest rate of 1.9% if I did a balance transfer or used the...