Bank Of America Visa can't add, can't tell me why my ATM figures are different than my billing state. RIPOFF City Of Industry California
Stupidly* I have let this situation lag for about two years, figuring that BANK of AMERICA and or VISA would figure it out, or explain the math, as I can't add.
in short, My Visa bill both on paper and online say that my Visa bill is one amount, but when I go to my ATM to transfer money from my checking to my VISA to pay it offI get a totally different amount and at this time it is in the negative. "-478.00"
about two years ago I got a Discover card and they allowed me to transfer my balance from my BofA/Visa card onto their low or no rate card.
They made the balance transfer of $800.00 from Visa to Discover, which brought my VISA balance owed down into the two hundred dollar range, which I then began paying off, mostly through my local ATMthe receipts of which I have kept.
My piddly credit limit is $1200.00 and currently
thanks to a late fee of $39.00, a periodic finance charge of $30.22 and an overlimit fee (brought about by their charges!) of $35.00, it is now at $1239.00 BUT if I go to the ATM and pay off a portion of this and get a receipt, I am, again, at NEGATIVE-four-hundred-seventy-eight-dollars.
It is my beleif that I have long since paid off the credit card, but they keep charging me AND to make matters more screwed upthey don't seem to be able to account for this amount, negative or not.
How screwed am I being screwed??
Who can I contact that will get answers? BofA and Visa are seemingly unable to see what I see???
*not so much stupidly but more like BofA has never been able to give me an answer and I just let it go.
Bob
san francisco, California
U.S.A.
9 Updates & Rebuttals
Bob
San Francisco,California,
U.S.A.
THANX A.P. I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do
#10Author of original report
Thu, October 20, 2005
I think you are right as I am finding out . . . thanks. It has still taken the fine folks at BofA/VISA TWO YEARS ( or rather it has taken me two years to NOT FIGURE THIS OUT AND CORRECT IT) I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do, or what this might bebut I did finally get one guy who said, "here, call this number." HOW simply would that have been two years ago when I first noticed this problem.
Bob
San Francisco,California,
U.S.A.
THANX A.P. I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do
#10Author of original report
Thu, October 20, 2005
I think you are right as I am finding out . . . thanks. It has still taken the fine folks at BofA/VISA TWO YEARS ( or rather it has taken me two years to NOT FIGURE THIS OUT AND CORRECT IT) I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do, or what this might bebut I did finally get one guy who said, "here, call this number." HOW simply would that have been two years ago when I first noticed this problem.
Bob
San Francisco,California,
U.S.A.
THANX A.P. I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do
#10Author of original report
Thu, October 20, 2005
I think you are right as I am finding out . . . thanks. It has still taken the fine folks at BofA/VISA TWO YEARS ( or rather it has taken me two years to NOT FIGURE THIS OUT AND CORRECT IT) I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do, or what this might bebut I did finally get one guy who said, "here, call this number." HOW simply would that have been two years ago when I first noticed this problem.
Bob
San Francisco,California,
U.S.A.
THANX A.P. I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do
#10Author of original report
Thu, October 20, 2005
I think you are right as I am finding out . . . thanks. It has still taken the fine folks at BofA/VISA TWO YEARS ( or rather it has taken me two years to NOT FIGURE THIS OUT AND CORRECT IT) I have been to the bank several times and each time I have walked away dumber than the last -- no one knew what to do, or what this might bebut I did finally get one guy who said, "here, call this number." HOW simply would that have been two years ago when I first noticed this problem.
Ap
City,California,
U.S.A.
The reason for your problem
#10UPDATE Employee
Thu, October 20, 2005
I can bet you are in California as this problem is only possible there and has to do with unique systems in place over a long period of growth and acquisition. You have Versatel linkage with your credit and ATM cards "hooked" together on one card and you have probably had this for quite some time. What happens is you report your credit card lost or stolen or change to a different type of credit card at some time. Unbeknownst to you as weel as many banking center associates, this link then becomes "corrupt" and causes the balance to report incorrectly when you access the ATM. I have never been able to figure out where the specific amount which is always negative stems from. In any case, go to your local Bank of America banking center and ask that your credit card be delinked from Versatel then have them wait a day or two. Finally after a day or two passes have the banking center associate relink the credit card to Versatel being sure to use the most recent credit card number. This will take care of your problem. I hope this is helpful!
Ap
City,California,
U.S.A.
The reason for your problem
#10UPDATE Employee
Thu, October 20, 2005
I can bet you are in California as this problem is only possible there and has to do with unique systems in place over a long period of growth and acquisition. You have Versatel linkage with your credit and ATM cards "hooked" together on one card and you have probably had this for quite some time. What happens is you report your credit card lost or stolen or change to a different type of credit card at some time. Unbeknownst to you as weel as many banking center associates, this link then becomes "corrupt" and causes the balance to report incorrectly when you access the ATM. I have never been able to figure out where the specific amount which is always negative stems from. In any case, go to your local Bank of America banking center and ask that your credit card be delinked from Versatel then have them wait a day or two. Finally after a day or two passes have the banking center associate relink the credit card to Versatel being sure to use the most recent credit card number. This will take care of your problem. I hope this is helpful!
Ken
Randolph,Massachusetts,
U.S.A.
You are missing the point
#10Consumer Comment
Tue, October 18, 2005
What I am trying to tell you is that I am pretty sure that the balance the ATM is telling you is what you have available for a cash advance. That's what ATMs do. Since you are overlimit, the negative amount means that you'd have to pay at least $478 before you'd have any cash advance available to you, and then, only what you pay above the $478.
What you should be checking is your statement, to insure that the payments you have made are bing credited. It will be right there in black & white.
Bob
san francisco,California,
U.S.A.
Ken, Maybe I can't add, but that's no excuse for VISA/BofA
#10Author of original report
Tue, October 18, 2005
Again, I have a $1200 limit of which I am currently over by $39.00thanks to three large charges by Visa. this is on their side of the fence, so to speak; on the statement they send me; on my online statement also, BUT AS I SAID, when I go to the ATM and transfer from checking into my credit card, it tells me that I am now at NEGATIVE four hundred and seventy eight dollars!!!
AND no one knows where that $478 dollars is! wether it is positive and that's all I owe VISA or NEGATIVE and they owe me ( which is my point and suspiscion) they still can't point to it anywhere . . . they can't say, Oh BOB you stupid guy, you put that cash in your savings account (I have no savings ACCT, SO THAT'S ruled out) or you put it here, or there . . . I believe that I payed this credit card off long ago and the ATM machines seem to know this, but corporate or wherever, DOESN't and I keep getting charged these outrageous amounts, while GIVING VISA MY MONEY. AMAZING.
Ken
Randolph,Massachusetts,
U.S.A.
Just a guess but...
#10Consumer Comment
Tue, October 18, 2005
The negative four hundred odd dollars, is the amount of money you have available for a cash advance, which is what most people would be doing at an ATM. In other words, if you made a payment of $500, that number should change to $12 available for cash advance. I don't think it is intended to be your card balance.
If you only had a two hundred dollar balance, which you were paying off, how did you get to be overlimit? Seems like pieces of the story are missing.