Bank of America

I have a bank of america pre paid visa were I receive my child support money. My old card expired last month and I did not receive my new card. Called bank of america because I moved a few month ago and had them change my address. Was told that they send out my new card to the old address but that they would issue me a new card to my new address. Few days later - no card. So I called again and was told that my account was in the negative and they would not issue me a new card until my account is in the positve. How can a pre paid card be in the negative. Asked the support person and she said that my suscription to the sportsmagazine was being paid and that this was the money that brought my account in the negative. So I waited a few days until I received another child support payment. Again no new card. Called again and was told that the card was on its way. Waited a few more days... Nothing. Today I called for the fourth time. Was told again that they can issue me a new card... Asked for the supervisor. Cecile answered the phone after a long waiting time. He informed me that they will issue me a new card (For the fourth time) and that if I want to expedite the delivery that I have to pay 24 $ or they could western union the money. Again I have to pay for the service. I have now 1.600 $ for two weeks somewhere and cannot access it because bank of america cannot issue me a new card. Where is my card... ? Where is my money?

Bank of America is the Worst bank! I am not complaining because I was charged with fees or a check did not clear...I am talking about the rudeness and uprofessionalism of management and back offices. I went to one of the branches to be informed about their procedures and services...I was not complaining and before I knew what was going on the manager started to respond very rude and said that is the way it is and I have other customers to attend to. Where did this come from I have no idea... I closed all my accounts.

Since I lost my job in 2008 and moved from Calif. to Indiana I have no need of a Alaska Airlines Card. This bank, in spite of my closing the account as a no longer needed credit card, continues to charge $75.00 per year every August even though I can no longer use the card. Just having a balance that I'm trying to pay off each month is enough for them to charge it. I am now disabled and on Social Security and there are 14.8 million of us unemployed workers out there who cannot afford these rip off fees.
It's bad enough that this bank got into the fix it was in and borrowed money from us taxpayers and they constantly complain they don't make enough money. I say that is a load of BS and just not right and is highway robbery. I am going to write a letter to the home office but I doubt it will do any good.
I am being ripped off every year by this bank - I might as well give a homeless person the $75 rather than this bank - at least it would do some good.

Had a small business account with bank of america which I now closed. started getting 14.95 service fee every month for online banking, when called their cust. service dept they said I signed up for something called business suite account management I never did I was told it was free for three months and then if I became an advantage customer it would only cost 0.05 more a month, now I’m recieving 29.95 monthly maintenace fee even though I used their business debit card when asked to cancel it they did but no refunds or apologies the customer service rep was very ignorant and proceeded to tell me to pay attention to my accounts with online banking.

Bank of America should give courtesy lessons to their service reps in Florida and have consideration for those customers who don’t have a computer or want to do online banking. All Bank of America wants to do IMO is nickle and dime their customers I’ve had an account with them for close to 10 years, now I will stick with my local bank at least their customer service and practices spend time explaing not just adding products without the customers knowledge. SHAME ON YOU BoA for “ripping off” customers that had trust in your bank.

I have banked with boa for 25+ years. Dec 2010 I received notice our $100, 000 open line of credit is due and payable 12/2011. Used/paid back many times; never late.
I immediately contacted them and told the product simply is not offered anymore; nothing to do with relationship or credit. I was told boa would contact me at the end of the year to discuss. Because of these tough economic times, I did not want to wait and demanded to know what other options would be substituted as I was concerned with qualifying for a new loan under the present loan changes etc. And of boa recent business practices. I stopped making payment to assist me in getting proper contact and answers. With non payment, I finally was able to get in contact with pamela san culbreath who is my client manager to assist me my small business accounts. She kindly closed my checking account without notice. She next refers me to a different person to speak to regarding this loan and new application. I spoke to new contact briefly and set up contact date. He did not call. When I called him, he was now unavailable until 9/9/2011. Now I have another contact. She made the decision to close the checking but yet will not tell me why she made that decision. When I got out of the hospital, I contacted her;she sent their standard bank statements saying if at 0 balance they can open or close. I am not sure pam took the time to know us and our businesses. She said she did not want our deposit account (60 days no activity except their withdrawals for banking fees). I had a personal account without activity which was not closed. I have other business accounts she did not close; but I am not sure she even knew us or spent enough time to know of other business accounts. Needless to say I am in the process of closing all accounts. I further would like to know of any others treated in this manner. I have asked for a copy of the document that allows them to call the open line of credit note due in full at anytime which I have not received. Pam ignores my request.
Bank of america now seems to be in trouble; perhaps they need to look at their client managers and their effectiveness!

I have a mortgage with Countrywide / Bank of America that I have had since October of 2005. Since this time, I have been paying PMI and constantly requesting Bank of America to cancel the PMI. I had an appraisal completed on April 17, 2009, and both the appraiser and myself forwarded the appraisal to Bank of America on April 20, 2009. Since this day, over $3, 120 in PMI payments have been collected from me. I have been in email discussion with Bank of America on this issue and received a voice mail from Bruce Wood, at [protected] extension 1511661 on July 28, 2011 at 11:25AM. Mr. Wood advised that he was looking into the issue and will either resolve the issue or give me a status update within 48 hours. On Tuesday August 2, 2011 at approximately 11am, I called and left him a message requesting a status update. On Wednesday August 3, 2011, I left another message. I have yet to hear back from anyone at Bank of America and it has been well over the 48 hours promised. To pay PMI for over six years is a complete mockery of any fairness to Bank of America's customers. The constant refusal to remove PMI although I have paid $400 for an appraisal is a blatant disregard of any policy.

Bank of America: Why did your fraud department take my money out of my account $902.00 in May 2011, and then they paid me some money back, $540.00 june 2011; then took it out of my account again in July $540. June 6/ 27- 28 /2011. Do you think I am a toy, you can keep playing with? I am a dissable person, and when your fraud department hinders the claims, I have made about bank of America, and the young blond bank teller, on 10 N. Park Place Morristown NJ. Taking my money without provocation leads you into a law suit. I do not think he is taking the cash out, I believe he is using two accounts and transferring the moneys to another account with a bogus name or my old account and then he removes the money. I will have a Jury sympathizing with me because of the tactics that your fraud department used on me. Your lawyers will be scrambling to try to reach an agreement to settle with me out of court. I would like to tell the media, how bank of America treats their disable customers. I will be in court with Bank of America in three to four months. Please do us both a favor, and Give MY MONEY Back to me. My Bank of America checking and savings were compromised, and I am paying for the trouble your bank has subject me to, my funds were being fraudulently taking out of my account, and by your bank also removing funds from my account, and leaving me destitute for four months, I have been mentally subjected to a poverty level and mentally and emotionally crippled. I do not have funds to take me through the rest of the month. I only hope that none of your people have to go through the same treatment I have suffered at your hands? Every time I Call Your Fraud Department; for the past four months I receive a different story from one of your Associates. I have been told, I was going to get an answer July 15, 2011, to the fraud claim I have submitted to you, and never did. I am still in the dark on the subject of the Moneys You Removed From My Account. Your way of handling this matter; has not been an experience that I have read about in your description of how BA handles fraudulent scams. When your fraud department cheats BA's customers out of their moneys it is an affirmation of how you treat your customers. I have been Abused by your process of singling out a person who is in real trouble; or maybe this is your Idea of how to swindle your way out of paying your customers, for their tragic losses on his/her claim. How does one survive, after BA taking moneys from me after I reported moneys in the amount of $9, 027.00 dollars out of my account in a 18 month scam from one of your tellers and my be someone in a management position? And this has burdened bank customers and defrauded them out of their funds. What, BA has done is to convince their customers their wrong, and not pay fraudulent claims. The real buffer, is to hold out for a long time and get bank customer to except less moneys than reported to BA on their fraudulent claims. I am a patient man, and I would like to recover the moneys; that have removed from my account, over the past 18 months, illegally. I have been jerked around by you're so called fraud department, for the past four months. I would like your bank to give me back, the funds that have been removed out of my account by your fraud department and stop trying to keep me overwhelmed and stifelled, with your shock tacticsI. This may be a joke to you; but I am disable, and have been living at the poverty level for the past four months. This is your fault; and I want restitution. I do not want to wait another four months to get payed. I would also like you to stand behind your claims, to satisfy all victims of fraud a100%. The total amount BA owes me is $9, 336.24, plus the moneys you have removed from my account totaling $1, 900.27, or I will see you in court in october. I will recover the $9, 336.24 that was taken out of my account by thieves, from March, 2010 through July 2011, the sum of $1, 900.27 dollars; the moneys you removed out of my bank account. I have been burdened with you're extracting moneys from my bank account and also I will sue for another $350, 0000 for the pain and suffering, your bank has caused. I have had to endure not having funds to support myself, to the punishing mental anguish and the tragic loss of the full amount of my Social Security Disability income, BA removing additional funds, and living at a poverty level I have had to sercum to over the past 18 months. Truly, Paul D'Agostino.
They have FDIC insurance, and I deposited my moneys; with the understanding that my moneys would be safe! This is not the way for a bank with BA's banking assets and the amount of banks across the US to treat their customers. Maybe this is why there is so many bad things written about BA on the computer, about things they have done to their customers. Does BA still has their integrity? Bank of America has extracted funds out of my account, in the amounts of, March 27, 2011, $540.00 April 3, 2011, $902.27 -May 3, 201, - $540 July 1, 2011, 2011, the total is $1, 947. 27 and BA has refuse to release these moneys back to me that they extracted from my bank account. (And they have no claim on these funds) (It is my moneys from my Social Security Disability check.) Bank of America also extracts my moneys as soon as it is deposited by Social Security. I also talked to a man leaving BA where I bank, ( John Fitt) and he said the same thing that moneys have been missing from his account over the past 10 to 12 months, and it totaled over $3, 000 and plus all the overdrafts. He, also told me, his friend left BA on park place, because he was having the same problem and moneys started to vanish out of his account. I over heard a woman yelling in the branch managers office, that moneys are missing from her account also. This is not a coincidence, this is someone in the bank mishandling our funds. The bank also claims that if a customer is a victim of fraud, they have a zero tollerance for fraudtolerance and a 100% recovery policy, if their customers account is fraudulently compromised. I would like to recover all the moneys taken out of my account by Bank of America, the $755. I was charged by bank of America, and all of the moneys taken by the blond haired bank teller who asked for my pin#. I believe he was not removing the moneys directly from my account. I think this is a more illaberret scam, he is switching moneys from my account, to another account after he uses my pin# to extract the funds. Then he can switch the moneys to his account or just withdraw on another day. What are your thoughts? This is not a coincidence, this is someone in the bank mishandling our funds and I believe management is involved. The bank also claims in writhing that if a customer is a victim of fraud, they have a zero tolerance for fraud and a 100% recovery policy, if their customers account is fraudulently compromised. I would like to recover all the moneys taken out of my account by Bank of America, the $755 I was charged for overdrafts. The moneys taken by the blond haired bank teller who asked for my pin#. I believe he was not removing the moneys directly from my account. I think this is a more illabret scam, he is switching my moneys to another account after he uses my pin# to extract the funds. Then he can switch the moneys to his account or just withdraw the funds on another day. What are your thoughts?

Bank of america changed our account for our home loan from a straight account to one with an escrow. They wanted to charge us a whole lot of escrow; add it into our home payment (With back escrow) , and wanted to raise our payment over $1300 a month more.

When we called and complained, they lowered the amount down to $500, but it still was excessive. We then requested to go through a loan modification. Bank of america had us go through three approvals until we received a letter telling us that the modification had been declined. This took seven months (Maybe longer) .

After december, they stopped accepting our payments. We were hoping that the loan modification would help with the late payments on our credit report. This company is by far the most inept business i have ever dealt with. We requested a letter telling us what we needed to do to get caught up, and basically got the runaround.

Now our credit is ruined, and bank of america refuses to do what is right, and fix the problem. It is not fair to refuse payment, and start counting someone as late when they eventually will get their full payment. I do not recommend boa to anyone. They are inept and unwilling to accept responsibility for their faults.

I think they want people to go into default, and foreclose on their homes. Even when we were caught up, they did not apply our payment. We were hit on the credit report again. It took two calls for them to fix it.

I am still not sure they have fixed the last problem. The last one i spoke to had an attitude problem and said
I was trying to strong - arm him into fixing the credit report problem. I only want them to do what is right.

I purchased a car in florida in 2001 with an auto loan from bank of america. I repaid the loan in may 2004. When I recently (June 2011) attempted to sell the car, I discovered that bank of america had not released their lien on the car. The first boa agent I spoke with wanted to charge me $20 for a lien release statement. I declined and called the florida dmv to determine what exactly I needed. They told me that boa needed to release the lien electronically via the fl dmv system.

I then attempted to get back in touch with boa (7/12/2011). After being hung up on multiple times, I finally got through to an agent named diane washington. She initially told me that it would take her a few minutes to put the information into the system. When I pressed her to clarify whether she meant the dmv system, after several rounds of q&a, she said: no, she was just keying in a ticket for someone else to address. When I asked her when I could expect this someone else to actually get onto the fl dmv system and release the lien, she said it would take 7-10 business days. When I told her that was completely unacceptable - they had already had 7 years to release the lien, she said she would put a rush on it and have it resolved within 48 hours.

It was not. I called the fl dmv four business days later (7/18/2011) and was told that boa had not filed the lien release.

I called boa back this morning (7/19) and spoke with an agent named jacob landrum, who said that boa filed the lien release yesterday, though he could not tell me what time it had been filed. He offered no explanation or apology for not meeting their promised turnaround time of 48 hours. I then called the fl dmv back, only to be told that the lien had not yet been released by boa.

I then called boa back and spoke to an agent named kia collins, who was unable to provide any further information. I then requested a supervisor and was put in touch with tonnisha taylor, who told me that diane washington could not have promised me a 48 hour turnaround because their typical turnaround was 7-10 days. I assured ms. Taylor that ms. Washington had and that even ms. Collins had seen the promised 48-hour turnaround in the system. She then said that if ms. Washington had promised me a 48-hour turnaround, she should not have done so.

I then asked ms. Taylor why a two-minute task & ndash; filing the lien release in the fl dmv system & ndash; should take that long to complete and she replied that & ldquo;the agent needed to research the matter before releasing the lien. & rdquo; note that all call center agents and the supervisor had complete access to my repayment date and all other vehicle and loan information they needed. So it is still unclear to me why filing the lien release should even have taken 48 business hours, let alone the 96 business hours that it appears to have taken & hellip; and at this point, I only have boa’s less-than-credible word that they have actually filed the lien release.

I am completely disgusted with boa. Not only have they not been proactive in addressing their 7-year old error (They took my phone numbers but never called back to inform me that the matter was delayed or resolved) , but at each stage, agents have been downright ignorant, made excuses, prevaricated, and simply attempted to get me off the line as quickly as possible without any concern for resolving the problem. Given everything I read about the company and my own past experiences with them, I probably shouldn’t be surprised, but I am & hellip; that a company this unprofessional continues to stay in business.

BAC did not complete the closing of my modification(which was a terrible 1 and 1/2 year process) correctly and now they are trying to foreclose on my mortgage that is currently $67000.00 on a home now valued at $23000.00. I received a statement from BAC in Nov. 2010 stating that my next payment wasn't due until July 2011, I didn't receive any other statements or correspondence from them until Feb. 2011, by certified mail that I was behind on my payments. When I contacted them in Feb. 2011 the associate stated to ignore the letter and that my next payment wasn't due until July 2011. I have been trying since Feb. 2011 to get this worked out without any luck. They call me 8 to 10 times PER DAY from the collection dept. I tell them to look at the notes on my account and that it is under review but still NO ANSWERS. I now am working with the Fannie Mae Mortgage Help Center in Tampa but so far no luck.

I requeste a copy of a bank statement not available on line. You won't believe the response that I received: (Below)
Thank you for your query dated 05/15/2011 regarding the statement copy. We will be happy to assist you.
Our records indicate that the account ending in - xxxx was opened on 8/3/2006. Your request for a statement copy for 01/2009 is prior to the account opening date; therefore, we are unable to fulfill this request. If you would like for us to order a copy of a statement, please resubmit your request for a date later than 8/3/2006 and we will be happy to assist you. Please note that there is no service charge associated with a statement copy request. Bank of america retains statement copies for up to seven years. We apologize for any inconvenience this may caused a statement that was not available on-line.
So.. They are telling me that 01/2009 comes prior to 8/3/2006 can you believe it! And this is supposed to be a bank?

n 2008/2009, it was bought to my attention that numerous (13+) unknown internet companies were debiting my checking account (acct 8866). In 2008/2009 my it was bought to my attention that my bank account was being debited by unknown internet companies. I went into a local bank and called #800 to notify the bank of what was going on. The bank manager suggested that I open another account until things were corrected (FEB/MAR 2009). Bank of America did nothing to help me stop these constant debits from happening. They refused to close the account as requested. As a result my new account & savings account were attacked. Funds were taken out of the active accounts to take care of the negative balance in the account with the fraud activity. After, I stopped depositing my payroll deposits, the bank sent my accounts to collections. I was never compensated for the fraud on my account and was hit with outrages fees $1400.00. I paid what I felt was fair $100.00. The second checking account was paid off. My issues is with the outstanding $1300 (paid $100.00) I want this account issue corrected so that I can open another account. I went into a banking center and no one can give me any back history on this account. I had my account with BOA for 10 years. Sadly in my time of need the bank has dropped the ball and forcing me to carry the burden of not being able to open another account. This entire ordeal has been extreamly stressful and time consuming. Not to mention, it is very fustraighting to be told something totally different every time you speak with someone from BOA. I feel BOA dropped the ball with this one & now I am paying the ultimate price for their lack of customer service.

I now have photographic proof (& evidence in print) that BofA alters dates for scheduled payments causing clients to potentially overdraw their funds and BofA then collects a $35 fee every time it happens. Curious if anyone else has reported something similar?
The first time it happened to me I assumed I had made a mistake in the date that I set for the payment. Recently I have gone in prior to the set date (I get paid every other Thursday) and made sure that everything was correct. Several times I have noticed that my scheduled Thursday outgoing payments were all of a sudden set to go out on a Wednesday instead! I am now scheduling major outgoing payments for every other Friday instead but this week it happened again (BofA set the date back one day). I am attaching photos of this recent incidence. An $859 transfer scheduled by me to go out on July 15th was changed by BofA to suddenly go out on the 14th instead.

My loan was purchased by BOA from Countrywide.My income was reduced almost 70% from date of loan until present. I applied for a remodification (presidents protection for consumers right) and was told that if I caught payments up, they would remodify the loan under the lower interest rate, presently 5.7%. After payments caught up, they said I made loan 30 days before the elegibility date of the remodification date. Once again I fell behind and applied again and this time I was told that my income was too low to qualify for the new payments.Keep making the original payments $728.00. My ss income is $1000. monthly.
I am now almost 70 years old and everything I have ever worked for is being taken by BOA and I will be on the street. I feel that my tax money was used by BOA to set me out on the street. Thanks Mr. President.
Anyone else want to thank BOA and the UNITED STATES GOVERNMENT?
Ruth Perrigan
Virginia

First off, I just want to say i'm homeless because of the heartless acts of robin ritter setaro, an asset manager at bank of america. As we all know, bofa can care less about people and their families and here's the proof. As a first time buyer, I have very limited savings to purchase my first home. I had an offer accepted on a house owned by bank of america, an reo property. The first problem was the property did not appraise for what bank of american listed for. Of course, they are greedy and wanted more money than what the actual values were in that neighborhood. The appraisal was also done by bofa, none the less, this asset manager, who couldn't actually sell real estate her self in the real world, who's dre license is not listed with a real estate broker, but on hold: http://www2. Dre. Ca.Gov/publicasp/pplinfo. Asp?License_id=[protected], set the price and regardless of the appraised value, wanted her made up dollar amount. After a month of going back and forth and after upper management finally approved the lower appraised value, we moved forward to closing. As we were about to close another issue came up, this time permit issues. Long story short, this asset manager, robin ritter setaro, who enjoys her off time relaxing by her swimming pool with her family and dog; trips to disneyland and the beach, enjoys her life on the backs of people who have lost their homes, because of asset managers like her don't care if someone needs to live in a house, felt it was necessary to not move forward, without our offer, unless my husband and I forfeit our $5, 000 deposit and sign it over to her as a penalty. I'm sure this is not legal, is it? As much money as she makes on these side deals she still lives in a crappy little house herself, take a look: http://www.Zillow.com/homedetails/19339-ranier-st-canyon-country-ca-91351/20186509_zpid/. Anyway, though we were suppose to close months ago, we had to move out of our apartment, where we lived for 11 years and moved in with my inlaws. Though we were staying with them temporarily it now appears that we are here much longer. Also, with most of our stuff in storage we have to pay for storage cost. It's truly amazing how these asset managers could care less. They only care about the numbers on the paper and not the actual people that wants what she has, a part of the american dream, a place to raise their family. Now I don't know what i'm going to do. I'm sure she sleeps just fine. As long as her christmas lights are on her house, life is fine. For years bofa has made money on this house and the difference for them pulling out on us and leaving us homeless was just a few thousand dollars. I guess robin ritter setaro felt she was making and saving bank of america money by not letting anyone live in this house, which has been vacant for over 1 year. Does anyone know a good real estate lawyer you could refer me to? I need to personally sue robin ritter setaro. It's amazing the incompetent people that bofa hires. They truly hire some heartless individuals. If you ever get robin ritter setaro as your asset manager, I would ask for someone else. Please help me if you can. Thank you very much. Beth s. - southern cali

This is my 4th attempt at getting a mortgage modification from B of A. First they screw and said I did not qualify because I was not behind in mortgage payments. I got behind and the threatened to foreclose and reported me to the credit bureau destroying my not that good credit rating. I no longer have a 401K because I used the money to get my mortgage current. I have gone through an home assistance program but B of A rejected them and said I had to go through them, Bank of America. I sent Bank of America all they asked for TWICE. I just received a letter saying I did not qualify because my housing expense was not over 31% of my gross income. My housing expense is 31% of my net and the expense report I submitted clearly show I do not have money for gas or food after I pay my mortgage let alone support a grandchild I am raising. Bank of America apparently does not want to apply the program in the spirit that our President intended. How do I complain? How do I and consumers apply pressure to Bank of America to do right by their customers? At my wits end. I want to lodge a formal complaint against Bank of America. They need to be thoroughly invested for malpractice. Jo Delois Payne Wright 1201 Glen Cove Pkwy #1704 Vallejo, CA [protected]. [protected] [protected]@gmail.com

Bank of America has taken our Insurance check for damages in the April & May 2011 storms & applied it to our loan payment so one story goes. Another person with BoA says it's in an escrow account, while yet another person says they don't have a clue what I am talking about. The check is $6356. 23 and it is for severe water damage inside the house as well as replacing the roof. We cannot find a company local that will deal with Bank of America & do the repairs we need up front with the "promise" from Bank of America that they will pay the contractors. We are in bankruptcy & BoA is keeping our check according to one person because we are more than 60 days in arrears. I thought we were protected by bankruptcy laws as long as we followed proper procedures. I am writing anyone and everyone about this situation. My loan agreement states that I must keep the house in proper order & all repairs kept up. I cannot do that if the insurance check is being held hostage. I might add that there is mold starting to grow from the water damage and we are having additional damages due to rains since the original claim was made. It appears to me that Bank of America is yet again at fault & not following procedures. Can someone please help me?

Since when does the doorman decide who gets service and who does not. The doorman at this BoA office should be fired immediatley. He would not let me talk to a bank manager because I was an American. Being a foreigner in another country, I did not want to be thought of as causing a problem so I did not make a big deal about it. I thought I was a valued BOA customer and could recieve service at any branch, I guess not. Today I'm calling up there to get things straightened out and hopefully get that doorman put out on the street for good.

Bank of America VISA sends out "special offer" checks monthly for balance transfers. I received some in the mail and chose the 0% interest until Sept. 2012, with a service fee of 4%. I wrote one check and it went through with no problems. When I called them to transfer funds to Travelers Insurance to pay my home insurance, they took the info and mailed the check. Travelers changed their mailing address for payments after sending out the bills, so the check was returned to Bank of America VISA. It's hard to believe Travelers would change addresses for receiving payments without giving a forwarding address. VISA sent a letter claiming they tried to contact me (meanwhile I get emails from them all the time) to let me know the address was incorrect. I physically took a check to my insurance agent and paid my homeowners insurance. Today I got a letter from B of A VISA saying I was charged a $35 returned check fee and they had denied the check for being STALE - and it was a replacement check for the one that would have taken another 2 weeks to send back to Travelers. After 4 account managers, I finally was told even if they had sent the same check out themselves, the promotion was from last month so they wouldn't have honored it anyway. What kind of BS is that? If I lose my homeowners due to all the screwups (and no notification from Bank of America), then they can call my home loan due and I lose my house. MAKE SURE YOU READ THE FINE PRINT and don't trust Bank of America's VISA card. It took me 4 account managers to update my phone contact info...DO NOT USE THEIR CREDIT CARD CHECKS! And do not do balance transfers through them over the phone - unless you don't care if your bills are paid or not.