So the next day I check my online statement, no luck the thing still says I owe for July. I’m thinking maybe they have system where things aren’t reflected online in real time, or even 1 day behind. By the way, doesn’t Bank of America pride itself on its high technology? I have big problems with their online systems. That’s for another day…
So I wait for 3 days. Check online, no luck, time to give these people another call. This time I get “Maria” who speaks Spanish first and English last, but we are able to communicate just fine. I play dumb…
Me: When do I owe July’s Payment?
Maria: Sir that was due 5 days ago, Can we set up a check by phone?
Me: Ahh, No. Do you see that I called in a couple days ago?
Maria: Yes, let me read the note.
Maria: Ok, sir I’m showing you were supposed to get your fees waived.
Me: Yes, did that happen?
Maria: No, let me get that started again
Me: Thanks, now what are you showing for July’s payment?
Maria: Let me calculate……..Ok, after we reapply your payment you will owe $5 for July.
Me: That can’t be, I made more then twice my minimum for July.
Maria: Right, but you paid early and that went towards your June payment
Me: You sent me an email and said my payment was due, I made the payment….. I’ve already gone over this.
Maria: Sir, can you hold for a minute?
Maria: Sir, things have been corrected, you will only be due $5 for August payment.
Me: August? where are you guys coming up with $5?
She goes on to give me, what has to be new age math, because it didn’t make sense. You could tell she was getting frustrated with me, because I kept correcting her new age math. By the end of the conversation she was yelling “You owe $5 for August, that’s it”
I could tell this was going nowhere, so I agreed $5… Two days later I placed another phone call to Bank of America determined to speak with someone who slightly understood banking.
Me: Can I speak to your manager?
Rep: Sir Can I help you?
Me: Yes, I need to speak to a manager
Rep: Sir I need to know why
Me: Nope, just a manager please.
So I finally talk to a Brian. We go over the same story again, but this time Brian has an answer. They went ahead and re-aged my account this month. So I get charded interest. He said they have no way to reapply a payment to a different month and that the reason why customer service was giving me all different answers was that they didn’t have access to the same system that he does to see re-ages.
Let me tell you Bank of America, you dropped the ball big time with me.
If you’re having problems like this with your credit card company, maybe you should look into new credit card offers. Some people find that Chase credit cards have favorable terms, while others prefer frequent flyer credit cards that offer rewards for spending.