Bank of America Credit Card Complaint

Bank of America Credit card department,

Balance transfer Texas

I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on -/-/- or it will suddenly jump up from - percent interest to 18.9 % .. THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. When I called on -/-/- to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe $4000.00 when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than $2000.00. then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due - -. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of


course after ten minutes or so I realized that no one was going to answer a reverse phone ring. So I have a - part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the " treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the " treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the " treatment. '' As former - - - for - -, - Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had - in suspense transfer account that had to be paid on or before a date certain in -/-/-. She failed and refused to do so. Perhaps your department can remind this credit provider that it can do better. Thank you for your cooperation.