Bank of America
Charlotte, New York
United States - 28255
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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...
I have had a Bank of America Checking and Savings account for well over 15 years now. Why I have stuck with them so long is beyond me--maybe I'm just afraid to change everything over. Through the years, they have soaked me with overdraft fees probably well into the thousands. I always just thought I deserved the charges and figured that I was just a 'bad girl' who didn't know how to manage her money. Now that I am older and much wiser, I am realizing that I was not a 'bad girl' but that I was a VICTIM.
I was most recently violated by Bank of America when my income tax refund was direct deposited into my account. Upon receipt of the money, I paid off many bills to try to get ahead as well to get out of debt. This seemed to be to no avail because it all ended up costing me $520 in Bank of America overdraft and returned check fees! The first issue I faced was after a busy morning online and over the phone paying bills. After making about 15-20 transactions, I realized that my telephone payment to my oil company was declined! I panicked! Why would it be??? I had LOTs of money available in my account a few hours earlier. So, I immediately called Bank of America and after a long runaround, was connected with their fraud department. They themselves had FROZEN my account and weren't letting any transactions go through! How crazy! If there was a problem with my account I would have called them and told them so. After I had proved that I was who I said I was and that I was the one making all of the transactions they unfroze my account. So then I had to embarrassingly backtrack and notify those whom I had done business with earlier that morning and explain what had happened. What a morning!!
Then to make matters worse, just this past week, one of the transactions I forgot to record and it triggered an 'avalanche' of overdraft and returned check fees! I ended up incurring $520 in fees (12 in all at $35 a shot!) The bank refused to do anything about them. Generally, when I have a transaction go through that ends up putting me in the 'red', the bank will cover it and just slap me with a $35 fee and then I deposit the money and there's no embarrassment on my end. This time, they decided to play dirty and they not only charged me $35 when two items posted, but then had the gaul to slap me with another $35 when they returned them as unpaid! This sent me into a panic. Sadly to admit, one of the checks was to my church to pay for my daughter's choir robe!! If ever I wished that they had covered a check--it was that one. It was a very expensive banking week for me--GRAND TOTAL WEEK ENDING 2/27=$520 + EMBARRASSMENT
Wait--that's not the end of my soap opera with Bank of America. Just today, I had a local Kmart store call me, no not once, but three times regarding a check that I had mailed them to pay on a layaway for a new microwave which I desperately need. They attempted to process my $40 check and it was regected by Certegy Check Services. (another embarrassment) Therefore, today my evening was spent (all 3 hours of it) on the telephone. I called Bank of America SIX times, Certegy THREE, Early Warning Services TWO, Spoke with Kmart FOUR, Telecheck TWO, and Check Systems TWO more times to no avail. Finally I came to the conclusion that I'm better off getting out of the entire crazy system and going back to the 'good old days' of using CASH and MONEY ORDERS. Considering all of the embarrassment, harassment, stress, and MONEY--it is NOT worth the aggravation!
My husband has been after me for years, to get rid of them as my bank and I've always resisted. But guess what--I've finally had the last straw!! Let them report me to Certegy, EWS and all of the other acronyms--frankly I don't care. I don't need them and I refuse to be a host to their leech-sucking money grubbing frenzy any longer! If more and more American citizens get fed up with the 'system' and just stop patronizing it then they'll no longer be a system as we know it. I'm an American, but I DON'T need Bank of America--they give America a bad name.
I just noticed that BOA Billpay sends out payments in 3 ways: 1. electronically, 2. by "regular" check, and 3. with a laser draft check. These payment types are random even when sending out payments to the same companies on a monthly basis. They say it's to stop fraud...
Here's the problem... the first two are deducted out of your account on the date of the scheduled payment. As it should be. The third magical laser draft check is not deducted until the company actually tries to cash the check.
So now everytime I want to pay a bill I have to go check the billpay payments for what has been "sent" and go back to the account to see if it was actually taken out.
This is friggin' ridiculous!!! That's not how you balance a checkbook!! A real world example is that I have 2500 in my checking account. A payment was scheduled for 1300 today. My stupid checking account still shows 2500 and will show that until the receiving company decides to cash the check!
WTF!!?? The only reason to do this is so that customers will overdraw on their accounts and BOA will collect lots of extra overdraft fees!
There is no logical explanation as to why they don't take the money out of the account as they should on the scheduled payment date like they do with electronic payments and regular checks. Hell.. if I knew which payments were laser checks, it would at least make things easier on me to balance my own account, but no... it's "random" so I have to balance my account every time I want to send a payment!!! WT[censored]
This company lost payments, increased payments, took double payments from our personal account, put an unauthorized escrow on our account which included taxes, insurance and water and sewer. There was no need because we were never late on any of them. Then continuously applied payments to the escrow instead of to the balance due, put negatives on my credit report claiming that we were late after they applied it elswhere. After I reported them to the BBB they responded to me by trying to charge me $40 for a payment over the phone. This is a company that is very slimy in how they deal with there customers because according to an Attorney I spoke to, it is legal, Slimy but legal
Due to some past credit issues I was told that I probably couldn't re-finance my existing higher percentage rate mortgage. County wide calls and states that they can get me a lower rate. After months of jumping through hoops with employment verification and credit check and appraisal fees, I receive notification that I had been declined due to past credit issues.
I have been a customer of Bank of america for many years, as has my husband.
I have my own checking account, plus a joint checking account with my husband.
We are Advantage customers with BOA.
We are never supposed to be charged for our checks, as we are Advantage, and keep a sufficient balance in our accounts.
However, when I tried to order my checks, online, as usual, I was going to be charged $30!
They tried this once before, and I was assured it would not happen again.
this time no matter who I spoke to by phone, I got not satisfaction, just a run around, and the so called "specialists", were not even in this country. At thqt point I hung up very, very angry.
I went to my local bank brancgh, and got so satisfaction from a teller, so I spoke to one of the so-called "speialists" at a desk, and finally after much time and aggravation, got my check order for free, as I am always supposed to do.
No wonder this bank is in such difficulty, they treat good customers like dirt!
I just realized today that I have not received a bill from Countrywide in the past two months. I immediately...
Received letter stating the Bank of America was doubling my interest rate. Never been late on a payment. Always paid at least double what they required as a minimum payment. Have complained to them several times since I received letter...one explanation was I had not paid my balance down to at least half of what I owed, although that was never told to me. Another explanation was my debt to income ration, however, I have never missed a payment and always doubled what they asked for. Said they could not review or reconsider my request for a lower interest rate for 6 months.
I hope we are charging them extremely high interest on the bailout money our government has given them!!!
Will never use Bank of America Visa card again EVER!
In october 2008 my husband and I contacted countrywide to obtain help with our home mortgage loan as I had lost my job and recently had a baby and we were finding it very difficult to make our mortgage payment. We were told by the extremely rude representative that as our account was current there was nothing they could do to help and to call in next month when we had a payment due. We called back in november and a representative took all our financial info and told us that we are spending over our income therefore there was nothing they could do and we had to cut our expenditure in order for countrywide to help us. My husband and I payed off some of our credit debt, sold our car etc to obtain help. We called back in december and january 2009 to get help, again rude representative told us there was nothing that can be done as we are current and there is no payment due on the account. I called back late february as finances were becoming tight and we used the very little savings we had to make mortgage payments. Again we were told by an extremely rude representative to call back when we had a payment due on the account.
I called back on march 3rd and was told by a supervisor that all the previous representatives that we had spoken with had been misleading us and there is nothing they can do until the new bill passed by obama is in effect and yet even after the bill goes into effect there may be nothing they can do to help us.
We have been sacrificing our health. We do not have health insurance, we do not have enough money to buy food or diapers for our baby and we don't have a car to travel with. We listened to countrywide and they did nothing but mislead us to poverty and now we have nothing!
I have tried several times to get refinanced out of this ARM that I currently have through Countrywide Home Loans. Due to circumstances out of my control, I had to let most bills go to pay my monthly payment at 10.375% interest. I sent the needed documents in January 09 to see if I qualified for a loan modification. I finally received a proposal on February 19 that they would lower my rate to 10.375%...the same as I am paying (or cannot pay) now. The paperwork states that this is the rate at the origination of the loan. That was incorrect (the original rate was 8.310%). I called immediately and after being transferred and told to call other numbers, I found someone that agreed there was incorrect info on the document. They were going to email supervisor re this. I called again on 2/21 and was told that they could see in notes that the paperwork should reflect 8.310% interest and they were going to email supervisor. I called again on 2/25 and was told that on 2/24 the notes state that I do not qualify for loan modification, but that person could see discrepancies in the notes on my acct and forwarded me to someone else who then stated that he would have his "team leader" call me. Just before the end of the business day on 2/25 (I had not heard from "team leader"), I called back. I was told by new person that notes state I do not qualify for loan modification. I told her that I already had qualified and received paperwork that states so, but that it was incorrect on interest rate. She transferred me to someone else and after being on hold for quite some time, they are investigating. I need help...since it doesn't seem like they are being honest or maybe they do not know what they are doing. Can they do this?
I CALLED TO ASK FOR A BETTER RATE THAN THE EXTORTIONIST RATE OF 25% AND RATHER THAN PROVIDE ME ONE THEY REDUCED MY CREDIT LIMIT IN HALF EVEN THOUGH I HAVE A THIS ACCOUNT FOR 19 YEARS AND HAVE BEEN MAKING PAYMENTS EVERY MONTH ON TIME.
THIS IS EXACTLY WHAT IS WRONG WITH THIS SYSTEM AND I AM CLOSE TO PAYING IT OFF AND WILL NEVER NEVER NEVER USE IT AGAIN.
BY REDUCING MY LIMIT MY CREDIT SCORE IS THUS LOWERED WHICH IS TURNS GIVES YOU THE "RIGHT" TO CHARGE ME A HIGHER RATE!! NICE WAY TO TREAT LONG TERM CUSTOMERS. IN ANY OTHER INDUSTRY YOU WOULD BE OUT OF BUSINESS.
I AM FILING COMPLAINTS ALL OVER, INCLUDING NOTIFYING THE PRESS, BECAUSE THIS IS HOW YOU CAN JUSTIFY CHARGING SO MUCH!!!
EVER SINCE FIA TOOK OVER FOR BOA CREDIT YOUR CUSTOMER SERVICE IS HORRIBLE!