I have been on the phone with Bank of America five times in the past week. I pay my credit card account on line. When making my last payment I noticed a LATE payment fee. I have a due date of the 28th of each month. I pay my bill early in the month while paying my other bills. When I called to inquire why I was charged a late payment when my payment was paid by the first of the month, a "Customer Service" ~hardly a good description~ rep who did not speak English, informed me that it was my fault that I incurred a late fee due to my not making my payments on time. HUH??? I asked to speak to someone who spoke English. That led to many phone calls, being hung up on and told that I am badgering Bank of America. Finally last week I was able to get someone on the phone who spoke english. He could not tell me why my account was hit with a late fee but offered to remove it. Not back date it, refund it. Again, I'm paying on fees that were not valid. I am paying interest on the late fee amount for the month since they will not back date the reversal of the late fee. Conveniently, I did not receive a statement for September. How many would never notice they were erroneously charged a "LATE FEE?" Today I called to see if the fee was removed. Again I am told that I am at fault for paying my account late. WHAT?
If I pay the account after the due date, after the first of the month and before the month's due date how can I be late? I was told that I should probably think about automatic debit as a form of payment. They will then have days of interest since my bill won't be paid until just before the "due date." If I pay the bill after the due date but before THEY decide to run the statements, I am charged a late fee. I don't understand how that can be. If I chose to pay my bill after the due date I would be charged, there is no grace period for payment due dates. Basically I was told that I HAVE to make my payments in a 20-25 day window. After the 5th or 6th of the month but before the 28th. Isn't that interesting? I feel like they are intentionally trying to force late payment of accounts or payments closer to the due date in order to collect undue fees. What a RIP OFF.
Bank of America is unscrupulous in their practices. I hope everyone out there pays close attention to their accounts with BOA.