Complaint Review: BANK OF AMERICA CREDIT CARD

We opened an account with US Airways dividend miles and received a Bank of America card. We used the card to fly to Europe from july 31 to approximately the 10th of august. we called the company several times to adjust the APR without success. The representative refused to help us. The company started to charge more in periodic rate finance charge than the minimum amount. Every time, we paid more than the minimum payment, the company increased the charges.

We went through hardship with our house being in foreclosure, we called the company and representative stated that they could not help us because we owe too much in credit card. our balance was 6000, my husband paid 350 twice to reduce the balance. Every time we paid more than the minimum payment the finance charge was increasing. the APR went up to 28.99%.We were so frustrated with bank of America because we made many attempts for help and they dont seem to care at all, so we started to pay what we could afford which was 100 dollars a month and the minimum payment kept increasing. We send them 738.52 dollars in payment as of decemberJAN09 and the minimum payment decreased to 88 dollars, however, the next statement for february 09 increased again to $196.

We called the company, they stated that we had a cash advance balance of $1407 made in august 2006 from a bank in philadelphia. we requested a proof because we don't recall going to philadelphia bank because we were in paris on august 1 through the 1oth. we were at the philadelphia airport for 3h delay when we came back and did not go to any bank to retrieve money after a vacation in europe. The representative had no proof of us signing a 1400 cash advance on a credit card and was unable to show us any document. we are not going to steal to satisfy bank of america and we would like some help into understanding how a minimum payment keeps rising and decreasing every time without any reason? thanks for your help and support.

MESSAGE FROM BUSINESS: we received this message from bank of america and they refused to help because the claimed chairman dawn anderson is stateing it is our fault that we didnt check our statements for errors now we have to pay 1400 that we didnt took and we were in paris and here is a letter from bank of america
We received your inquiry. As an Executive Relations Officer, I welcome the opportunity to respond.
As you requested, and as we ordinarily do, we have addressed the issue either directly with the customer via telephone or by mail. If a letter has been sent, it should be received within the next 5 days. In the interest of protecting confidentiality, we are unable to provide you with more details. Should you wish to pursue the matter further, you would need to do so with the customer.

thank you for taking the time and effort to bring this issue to our attention.

Dawny
woodbridge, Virginia
U.S.A.