Complaint Review: Bank Of America Gold Option Line Of Credit

I am steaming mad about being lied to or treated unfairly and the newest company I can be mad about is with Bank of America. I usually like dealing with Bank of America and usually do not have problems with my other lines of business I carry with them. After battling due dates on several of my small balance cards, I decided to consolidate them to spare myself the overall headache...with full time work and school its becomes a hassle.

I called several banks and shopped around online. I was turned down by my local credit union for having too many lines of credit (duh..this was the point) and decided to call Bank of America finding a number on their website. I was greeted by somebody who took down my basic information placed me on hold and told me he was going to get a credit analyst on the line.

I then was greeted by a "credit analyst" by the name of Mr.Perry. He asked me a series of questions and pulled my credit to confirm this. He offered me the Gold Option line of credit went over a few benefits and said I already was approved for this. I was very excited and agreed to the LOC. Mr. Perry stated several times that my payment was going to be 123 dollars per month nothing more nothing less unless I decide to draw more money out of the credit line.

I became very happy with my money and received in a week, paid off most of my credit cards. the loan was originated in June and m first bill "I received at the end of July. When I received the bill I noticed that my min payment was for 168.00..and 44.00 was going to go to some program called "credit protection plan"....I immediately questioned this, called the 800 number on my bill..it was really weird because there was no Bank of America greeting it was pretty generic and did not identify the company I had to call at least two times to verify I actually dialed the correct number.

I then was greeted by a lady, I asked about a transfer fee and then I questioned the Credit Protection Plan...the lady really didn't answer much and transferred me to a "Credit Analyst" named Mr. Wagner. Mr. Wagner was no joy to talk to at all. He would constantly talk over me and the way he would answer basic questions in his tone and demeanor made me feel like I was a 4 year old who did something wrong.

Most of the information on MY account they could not disclose such as "which rep actually added this to my account" I feel questions like these were diverted by ALL reps I talk to. its like they don't want to go there for some reason. I told him I did not sign up for this and this is my first bill, he then said that I must of signed up for it because it says in the notes that the disclosures were read to me.

I became very frustrated and asked him if any of the sales on this "protection plan" is verified and recorded. the rep became very rude when I asked this question and then the slew of lies and misinformation came out of his mouth. His answers were very abrupt, he then told me that I would need to call the CPP group to get this taken care of and I'm "still in my trial period"..but he couldn't transfer me because the group is closed.

I'm not going into the specific details of this call but it was probably the rudest and most embarrasing form of customer service you'll ever encounter in your life.

My husband called again for me and talked to another rep who then informed him that the CPP group is NOT closed and promptly transferred him there in which the phone was handed to me during the wondereous hold music. I talked to a lady. told her I don't want it. she tried to rebuttal me. I cut her down and cancelled it. since I was in my "so-called Trial Period" the hell would be over.

It wasn't over. I called BofA Customer service to verify that I was in my trial period and I was not. So I called the CPP group again and talked to a man named Aveneno. I told him I need a credit for the 44.00 and that I didn't sign up for it. Av (the rep) told me that I should of known that I was signed up because I received a package for it.

I did not get any package for this so-called Credit Protection plan..if I did I would of avoided this first bill hell. I told him "I did not do agree to this". he told me that the reps are required to offer it every call and I specifally don't remember ever being offered this product. and If it was offered to me there is no way in hell I would agree to it.

The rep then said I was outside my trial period so I would still have to pay the 44.00. I pretty much gave a very unhappy sign to him in which he said he would "prompt an investigation" The rep said he would need torequest the "recording" from Omaha so they can review it to make sure I did not agree to the enrollment.

I asked him how long would this take and he responded "2-3 weeks". now this is utterly stupid...I still have to pay the 44.00! he said that after their "investigation" they will refund it IF they find out I didn't agree to it. This is BS! I have to wait almost a month to get MY money back!

During this 3-4 hour span of holding and talking, calling back. I talked to 5 different reps. NO ONE EVER SHOWED EMPATHY or APOLOGIZED FOR THE INCONVENIENCE! No one wanted to discuss information on MY account. I am so utterly disgusted with the lack of Customer service I am going to probably have to move away my lines of business with Bank of America.

If they want to be be respected they need to respect me as a customer and not treat me like I'm super dumb and don't know what I'm doing! Trust me I've been through this with Trilegiant. I will not take No for an answer. so be very aware of these types of techniques!

Frustrated
Spokane, Washington
U.S.A.

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