Bank of America Complaint - Charge More Percentage Interest
BANK OF AMERICA
I have a $300 Bank Of America (BankAmericard) credit card I use mostly for the Internet or anything else that looks scammy. Figure limiting myself to $300 is a good policy on the Internet. In May I used my BankAmericard and spent $15 plus for a new brush for our carpet cleaner and forgot about it until I opened the bill (8/17/09) and thought Noooooo. I then called the number on back of the card. The Gal on the other end of the line said that I owed them $60 plus--because 3 months of $15.00 late fee's were added in ---Soooo it twas even worse then I thought---hummm-----So I ask her if there was anyway she could lower the bill--(fat chance of that)—in fact she said I was lucky they didn't charge me normal $39 bucks. So lucky me did the Math from the $15 plus to $68 plus bill and came up with my cost over the last 3 months for using this credit card is over 400% percent. So I called again and talked to a second Gal and told her that 400% cost increase was unaceptable. But it turned out to be another no go and Bank Of America wanted $45 bucks plus the $15 plus for the brush ----Sooooo I called a different bankofamerica.com customer service toll free number. The third Gal answers and I tell her my sad story and ask if there is some way of getting rid of those three $15 late fee charges they nailed me for the $15 plus I barrowed --spent --whatever. She said she could waver the last $15 late fee charge--I thanked her cause it's not her fault. ------------Well somebeach I feel much better now. So I do the math and come up a mere 305% increase of my bill over 3 months (1200 % plus/year cost) for a $15 brush. Bringing my bill down to $45 plus-- but hey that’s more better then 404% increase for 3 months or (1600% plus/year increase cost) or the $60 plus out of my pocket--Right?
Hummmm--then I get thinking what interest rate Bank Of America pays it’s customers—1% ?--2% ?--3% ?--4% ? .So I call customer service again to find out what percentage rate they are paying on my checking account right now. The fellow that answered said I was at the wrong spot so he gave me the right number but no humans were there at night just a computer was present. So I will call and find out tomorrow what percentage of interest they are paying me. I told my wife my discovery that I'm paying them over 1200% on a yearly basis and there paying me ???????. She said I'll bet your not getting 2% right now--gezz fluck me a runnen--So lets see if that’s the case their probably pay me LESS then 2%/yr for my money and I'm pay them OVER 1200%/yr for their money and if that’s the case that gives me a warm fuzzy feeling all over my body. Is over 1200% per/yr right??? Hummmmmm--Sooo Ifins I daint make no payments for a year-- that's = $180 late fee plus the original $15 plus = $195 Total--yup $15 plus dollars to $195 in a year is a 1200 % increase RIGHT???. Gezz lets Send these poor bastages some mooooo money. So if I were they and they were I. I would loan them $5000 with the expectations of making over $50,000. And that is only a 1000% interest--hey I'd give them a 200% plus % discount--they gave me one. Fair’s fair right? I want to be fair just like them.
Just called Bank Of America and my wife is laughing at me cause the Bank Of America associate told me that their paying me. 05%/year on my checking account –the Bank Of America associate said I made 2 cents (TWO CENTS) last month of interest and I told her that was insulting. So my wife was more right then I thought (man –less right would have been so much more better). So Bank Of America pays me. 05% on my money and I’m in line this morning to pay them over 300% increase in my bill--- ---could go ballistic right now but this could be a good thing-- Right???---- I closed my savings account with them many months ago because I was afraid they were going broke and their stock was approaching $4.00. Right now I think their best interest rates for large account are around 3% . Anyway the banks are in trouble right—so if I pay them boookoos and they pay me nothing that’s a good think Right?? I mean these poor guys went out and bought all those grade AAA stamped mortgage packages that CountryWide and Merrill Lynch made and then when Bank Of America opened up these newly bought mortgage packages about a 1/3 of each package was nothing but SMOKE. So somebody has to pay for all this SMOKE right??? I figure it can’t be all the use to be millionaires cause their all mortgaged up with 2 houses and all their toys. And both houses are only worth about 2/3 of what they paid for them. Also most the use to be millionaires have lost a bunch of their money in the stock market cause of all this packaged SMOKE. So we really can’t count on the use to be rich croud because they’ve gone into survival mode. Selling their STUFF(extra houses--art—toys like boats planes ect.) to make ends meet----Hummm But I may have stumbled across the answer---lets have all the banks issue $300 limit credit cards to everyone --this would be like a $300 stimulus package—and would keep on giving every month for years (that is giving huge windfall interest rate payments back to the banks). This is good RIGHT??Probably most the smart people would either not use them or pay their bill on time each and every month----the rest of us (the dummies) are left to pay the bills. Because somebody’s got to pay for it. Looks to me that most the mortgages in the United States have lost about a 1/3 of their value So the dummies will pay the most to save our economy. Who sezz you can’t be proud being a dummy. Yaaa---do your part ---if you’re not a dummy already --become one—your bank –the economy ---the future needs you---so do your part and miss some payments. Come on people be BAD---Be A Dummy And for you use to be rich people that are missing your payments now--- sell one of them houses or some of that STUFF. And to all the people with money and discipline you can participate to--- by adopting a bank and start missing some payments be BAD (Be A Dummy). Your monthly late fee charge will help your bank to feed it’s self---And as you miss your payments and move up the ladder say from 6% interest to say 21% interest-maybe 40% plus interest—from here it looks to me like the sky’s the limit because I’m over 300% increase on my cost now ----well lets just say as you move up the ladder you to can feel the pride of being BAD and saving the banks---the economy--the future. Today I’m going BAD and do my part to save the bank—the economy—the future. Imagine the pride that I feel right now because I’m gona quit winning and pay em over 300% increase they say I owe em---- TODAY. The End---yaaaa and I must say-- the pride of being a dummy far out weights the pain.—but I’m tough—hey life’s tough—tougher when your a dummy.
Thank you Muchly
PS—called BankAmericard 800 number and computer said I owed em the full $60 plus dollars--- So I paid and mailed the full 3 month 400% plus percent increase cost of my $15 plus dollar bill that went in 3 months to a $60 plus bill. 2BAD—Be a DUMMY
I know Bank Of America got over $45,000,000,000 (45 BILLION) in bail out money back when they were about broke---I would be curious what the total is to date. So you see they really do need my money. I’m sure they probably have a long ways to go before all the smoke and bonuses are paid for. Proud to be a dummy -- the bank—the economy--the future needs me more than ever and right now—gosh dang I’m Proud 2BAD
9-28-09 called to see where my $15 bucks is---cause they said they was gona send it--BUT --BAC say me got to ask for it so they gave me a code to ask for it xxxx1—cheap--- money rapen bastages---how nice of them---fluckers---eat shhit and die –me ain’t got me 15 bucks yet. Fluckyou eat shhit and die –humm double --were’s me $15 BAC? 1600 PER YEAR --percent cost on my barrowed money/ per year. Preformance speaks for its self.. thankyou muchly
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