Complaint Review: Bank Of America - Dallas Texas

SPREADING THE WORD ALL OVER THE WORLDWIDE WEB ABOUT Bank of America! Put it out EVERYWHERE! Put it at 'Facebook', 'Myspace', 'Twitter', & anywhere else, and drive the PEOPLE right here to read all of the Ripoffreports posted here!!! 'Google' this- RIP OFF REPORT RICHMOND TOYOTA BIGGEST JOKE, and in one of the 'Updates' you can read what a Harvard Business Professor said to his class in late 2004. I believe it goes like thiis- 'Events don't cause corporations to collapse. It's the opinions of the events that trigger the collapse.' You see, as more & more people become aware of what's going on, it'll send the message to BOA, & if they DON'T change their ways, they'll eventually be out of business. Good luck to you!

Hey Karl, Good idea! But, I'd rather send them a "tea bag" and eat the bannana bread myself!! My bannana bread is MUCH too good for them! I'm paying the card off next week and will see what other havoc I can raise with them.

Let's say you have a bill from BOA for a minimum payment of $30 for the month. If you wrote 30 checks for $1.50 each, and sent them in individual envelopes at a few different dates prior to them being late, it would create a NIGHTMARE for their accounting office, wouldn't you agree? There is NO LAW that says the payment has to be on ONE CHECK, right? So, send in a few checks, or a BUNCH of checks in INDIVIDUAL ENVELOPES throughout the month, making sure that none of them are late!!! You can also send them a box of BANANA BREAD, & tell them that you are so happy with the way that they do business! GOOD LUCK! P.S. Make sure to 'Google' this- RIP OFF REPORT BANK OF AMERICA JP MORGAN CHASE BEAR STEARNS CITIGROUP, and read 'FED POEM 2'. Read that Ripoff Report also!!! It's about 'SECRET LIFE INSURANCE POLICIES' that these banks were taking out on former & current employees! Thank you.

At first I was angry and was going to pay off this BoA Credit Card ASAP and cancel the card. However, I got to thinking (usually this leads me into trouble!). I have free bill paying with my bank and I use it extensively to pay bills, including BoA. I think instead of cancelling the card after it is paid off, I will keep it and purchase one package of Tic-Tac (or similar) each month; something costing less than $1. I'll set up my automatic bill-pay to pay BoA $1 each month, before the billing cycle is due. It's worth $12 a year to hassle them. I suspect such an action will cost BoA more than they are making. I also suspect that as a result they will probably cancel my card, but before they do I will have had the satisfaction of knowing I hassled them a little bit, just as they have hassled me! Of course, if everyone did that, BoA would probably need more taxpayer bailout money to survive!

is available by simply 'Googling' this- RIP OFF REPORT BANK OF AMERICA JP MORGAN CHASE BEAR STEARNS CITIGROUP, and it appears as an 'Update to that Report. That Ripoff Report is about, quote: 'SECRET LIFE INSURANCE POLICIES ON FORMER & CURRENT EMPLOYEES' of the banks listed in that Report!!! Go read it. That Report was submitted by a Law Firm on 1-14-2009. POWER TO THE PEOPLE

This is the lesson you learn from dealing with the big corporate banks: you have nor right to anything. As Robert stated above, they tell you that they can change your credit limit and interest rates at anytime they so desire to do so. Granted, that is their disclosure to you, however, they are really pulling a bait-and-switch. First they give you the credit limit, then they take it away without reason. But there IS a reason they do this. They know that by lowering your credit limit to near the current balance, this will affect your credit report in a negative way that it will make it harder for you to transfer your account to another card. That way they can continue to keep you captive and are forced to make those payments to them, as opposed to another card, which might also have a lower interest rate, as well. The banks have far, far too much control over your money, and how you spend it. I really think check cashing places are better options. At least when you go there with your paycheck, they charge you a small fee, you get your money immediately, (no holds) and then you can spend your moeny without fear of other fees popping up. My advice to you is to get rid of that credit card you have as quickly as possible. Get hooked up with a local credit union, and take one of their cards, and you won't be robbed blind by exhorbant interest or be threatened with having your set limit lowered. They will work with you instead of against you, as the corporate giants do.

It's called the USA. It's being completely controlled by the BANKERS, who have only one 'HISTORICAL HOPE'. 'Google' this- DR MANDELSTAMM OF KIEFF, and read it. Read his quote in its entirety first, which appears on 'Page 94' of that passage that starts on 'Page 88'. Then read the entire passage entitled- 'The Talmud And The Ghettoes'. Read it 3 or 4 times, very slowly. Then ask yourself this question: Is all of this currently happening in the USA, and around the world? YOU BE THE JUDGE! Then 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web! GOOD LUCK TO YOU!!!

Okay this is not your money, they are granting you a credit limit and if you actually read the terms of the card they can lower your limit at any time and for any reason. You will probably be shocked to find that they also have the right to change that 0.99% interest rate almost at will. It's doubtfull that you had a 21K credit limit from the beginning. So if that was the case where is your report that they raised it without notifying you? Banks(not just BofA) were giving away credit limits like candy a few years ago. As a result they had defaults of people who should not have been given the credit limit to begin with. I am not saying you fall into this category, but the banks are basically "throwing the baby out with the bathwater". In that they are making not only the bad customers but the good customers "pay" for the banks mistake. Credit Card companies are not your friend. The polititians also put a good one over on people if they actually thought that any "bailout" was going to help the consumer. Right or wrong, the cardholder agreement which you agreed to(but probably didn't read) gives them this right to change the terms.

Okay this is not your money, they are granting you a credit limit and if you actually read the terms of the card they can lower your limit at any time and for any reason. You will probably be shocked to find that they also have the right to change that 0.99% interest rate almost at will. It's doubtfull that you had a 21K credit limit from the beginning. So if that was the case where is your report that they raised it without notifying you? Banks(not just BofA) were giving away credit limits like candy a few years ago. As a result they had defaults of people who should not have been given the credit limit to begin with. I am not saying you fall into this category, but the banks are basically "throwing the baby out with the bathwater". In that they are making not only the bad customers but the good customers "pay" for the banks mistake. Credit Card companies are not your friend. The polititians also put a good one over on people if they actually thought that any "bailout" was going to help the consumer. Right or wrong, the cardholder agreement which you agreed to(but probably didn't read) gives them this right to change the terms.

Okay this is not your money, they are granting you a credit limit and if you actually read the terms of the card they can lower your limit at any time and for any reason. You will probably be shocked to find that they also have the right to change that 0.99% interest rate almost at will. It's doubtfull that you had a 21K credit limit from the beginning. So if that was the case where is your report that they raised it without notifying you? Banks(not just BofA) were giving away credit limits like candy a few years ago. As a result they had defaults of people who should not have been given the credit limit to begin with. I am not saying you fall into this category, but the banks are basically "throwing the baby out with the bathwater". In that they are making not only the bad customers but the good customers "pay" for the banks mistake. Credit Card companies are not your friend. The polititians also put a good one over on people if they actually thought that any "bailout" was going to help the consumer. Right or wrong, the cardholder agreement which you agreed to(but probably didn't read) gives them this right to change the terms.

Okay this is not your money, they are granting you a credit limit and if you actually read the terms of the card they can lower your limit at any time and for any reason. You will probably be shocked to find that they also have the right to change that 0.99% interest rate almost at will. It's doubtfull that you had a 21K credit limit from the beginning. So if that was the case where is your report that they raised it without notifying you? Banks(not just BofA) were giving away credit limits like candy a few years ago. As a result they had defaults of people who should not have been given the credit limit to begin with. I am not saying you fall into this category, but the banks are basically "throwing the baby out with the bathwater". In that they are making not only the bad customers but the good customers "pay" for the banks mistake. Credit Card companies are not your friend. The polititians also put a good one over on people if they actually thought that any "bailout" was going to help the consumer. Right or wrong, the cardholder agreement which you agreed to(but probably didn't read) gives them this right to change the terms.