Bank of America Complaint - Credit Card Late Fees: No customer protections
Awfull !! Awfull !! Thieves !!
This bank is terrible. I have had a charge card with them for decades. Never late, no large balances, FICO of 800. This month they charge me $30 for a late fee on a $50 balance sent to them 5 days prior to the due date. When I question the charge, I'm told they didn't get a chance to 'process' it until a Sunday. The Post Office doesn't deliver on Sunday's so it got there by the due date. So, they couldn't cash it with my bank until Monday at which they declare the account 4 days late. In addition, there is now a 3% fee on all charges to non-US locations ( including Canada ) even if there is no currency exchange required.
Banks do not verify dates on post-dated checks so you can't even send them bills early and not count on them holding until a check is valid. They don't use post-marks to validate customer transactions, leaving customers at their mercy as to when and how they decide to manipulate transactions.
You're a fool to do business with these thieves.