Comments on: Is Bank of America Treating Me Right? Is It Legal? – Judy http://getoutofdebt.org/7418/is-bank-of-america-treating-me-right-is-it-legal-judy Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Mon, 13 Feb 2012 01:25:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Steve Rhode http://getoutofdebt.org/7418/is-bank-of-america-treating-me-right-is-it-legal-judy#comment-12307 Steve Rhode Sun, 12 Jul 2009 02:28:50 +0000 http://getoutofdebt.org/?p=7418#comment-12307 Judy, What is the link to the terms and conditions so I can read them? Steve Judy,

What is the link to the terms and conditions so I can read them?

Steve

]]> By: Judy http://getoutofdebt.org/7418/is-bank-of-america-treating-me-right-is-it-legal-judy#comment-12295 Judy Sat, 11 Jul 2009 22:30:17 +0000 http://getoutofdebt.org/?p=7418#comment-12295 Some of what I explained in my missing comment was that I got the card online and the Terms are not set up to print. I tried going on the site and reading their card terms and nothing says they can transfer a purchase balance to a cash advance balance and nothing says how they breakdown the monthly payment when they receive it. It is constructed of a finance charge plus a percent of the balance but they will not answer if they credit the finance charge to where it came from (which would bring down somewhat each balance instead of adding the FC to the balance even though it is paid) and then they can apply the money after the FC to any balance. That I could understand but I do not see anywhere in any Terms that they can bill you for a FC but then do not have to credit it. I tried emailing the simply question of a breakdown of what they do with a credit card payment. I was asking as a member of the public. Well, my first response has been they see I am a customer so I should talk to the Credit dept about my question...when it is a person in the credit dept that I believe is playing around with my account as a personal punishment because I didn't agree with what she was screaming at me about on the phone for no reason...never had customer service like that but ever since..something is not right with my statements. Who do I ask to investigate whether my card statements are being credited properly? The Credit Dept? The problem is internal and personal for some reason. I'm sorry none of this is making sense somehow cause I never asked about applying to the lowest rate..I already know that. I want to know where my finance charge payment is being credited to since it doesn't appear it is to the finance charges I was charged each month. You must know that probably all bank Terms and Conditions are almost identical and I don't believe I ever read about the payment not being credited correctly. I even downloaded on the Net how a credit card interest is paid and it showed one payment being made, for interest and principal. The interest was subtracted from the payment as paid and the original principal went down after the balance of the payment was subtracted. That is all I am asking the bank to do and I don't know how to get their attention. After all, her deliberate mistakes is only costing me money and the bank gets more by her moving all my balances to the one cash advance high rate. All I know is my cash advance has gained almost $300 in the past 2 months, with no cash charges being made but then no finance charge is being credited to that balance. Thanks again for trying. Hope someone can find an answer to this one. Some of what I explained in my missing comment was that I got the card online and the Terms are not set up to print. I tried going on the site and reading their card terms and nothing says they can transfer a purchase balance to a cash advance balance and nothing says how they breakdown the monthly payment when they receive it. It is constructed of a finance charge plus a percent of the balance but they will not answer if they credit the finance charge to where it came from (which would bring down somewhat each balance instead of adding the FC to the balance even though it is paid) and then they can apply the money after the FC to any balance. That I could understand but I do not see anywhere in any Terms that they can bill you for a FC but then do not have to credit it.

I tried emailing the simply question of a breakdown of what they do with a credit card payment. I was asking as a member of the public. Well, my first response has been they see I am a customer so I should talk to the Credit dept about my question…when it is a person in the credit dept that I believe is playing around with my account as a personal punishment because I didn’t agree with what she was screaming at me about on the phone for no reason…never had customer service like that but ever since..something is not right with my statements. Who do I ask to investigate whether my card statements are being credited properly?
The Credit Dept? The problem is internal and personal for some reason. I’m sorry none of this is making sense somehow cause I never asked about applying to the lowest rate..I already know that. I want to know where my finance charge payment is being credited to since it doesn’t appear it is to the finance charges I was charged each month.

You must know that probably all bank Terms and Conditions are almost identical and I don’t believe I ever read about the payment not being credited correctly. I even downloaded on the Net how a credit card interest is paid and it showed one payment being made, for interest and principal. The interest was subtracted from the payment as paid and the original principal went down after the balance of the payment was subtracted. That is all I am asking the bank to do and I don’t know how to get their attention. After all, her deliberate mistakes is only costing me money and the bank gets more by her moving all my balances to the one cash advance high rate. All I know is my cash advance has gained almost $300 in the past 2 months, with no cash charges being made but then no finance charge is being credited to that balance.

Thanks again for trying.
Hope someone can find an answer to this one.

]]> By: Steve Rhode http://getoutofdebt.org/7418/is-bank-of-america-treating-me-right-is-it-legal-judy#comment-12292 Steve Rhode Sat, 11 Jul 2009 21:54:33 +0000 http://getoutofdebt.org/?p=7418#comment-12292 Judy, Sorry you had problems leaving a comment. I stand by my statement that you need to get a copy of the terms and conditions for your card and read all of them to see how this situation is addressed in the terms. Steve Judy,

Sorry you had problems leaving a comment. I stand by my statement that you need to get a copy of the terms and conditions for your card and read all of them to see how this situation is addressed in the terms.

Steve

]]> By: Judy http://getoutofdebt.org/7418/is-bank-of-america-treating-me-right-is-it-legal-judy#comment-12291 Judy Sat, 11 Jul 2009 21:35:11 +0000 http://getoutofdebt.org/?p=7418#comment-12291 I left a comment explaining this was not about applying to the lowest APR which I know already..it is about applying the finance charge part of the payment to the charge that incurred it. I explained more in detail but I give up. Your site erased my response while asking me again for an email address. Thanks anyway. I will just keep asking until someone gives me an answer. You will probably get this comment without it being erased. Too bad you couldn't get the one before this that I really put a lot of effort into. I left a comment explaining this was not about applying to the lowest APR which I know already..it is about applying the finance charge part of the payment to the charge that incurred it. I explained more in detail but I give up. Your site erased my response while asking me again for an email address.
Thanks anyway. I will just keep asking until someone gives me an answer.

You will probably get this comment without it being erased.
Too bad you couldn’t get the one before this that I really put a lot of effort into.

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