Bank of America - WorldPoints Platinum Plus MasterCard Review

Last week I get a e-notice from a company that was due to auto renew on my credit card that they were unable to process the renewal. I thought it was because they had my old address information since I had just recently moved. Then I day later I get a call from BoA asking me to call them back to verify some recent activity. This is where the trouble began. The automative service asked my several questions about resent activities. One active from a creditable company dell did not make since so I decided I would select the option to call them back after I had verified with dell since I had been on dell's web site looking at buying a few items and had added them to my cart. So I press the option to call them back. Well the system then informs me that I was being transfer to a customer representative. I thought oh ok will I will just have him put a hold on that transaction.

The customer representative first verified who I was again. Then started to go through all the resent transactions again. He then got to the dell transaction. I told him I wasn't sure about it and I wanted to check with dell since I was on dell's site the same day of the transaction. He then asked if I gave them my credit card number and I said no. He then said that if I didn't give them my credit card number that it must be fraud. I said that yes if I had not given them my credit card number it might be fraud. However I explained to him that I have done business with dell before and I thought they had my credit card number store in their system since most online companies give you that option when you purchase something with them. He then informed me that he had already closed my account because of fraud. I ask him why he closed my account because I didn't tell him to do so. He replied that he had already started the automative process and it could not be stop. I told him I did not want my account closed at this time but only wanted to put a hold on that transaction. He said the they cannot put hold on transactions. I replied that was NOT true because I have personally put hold on / stop payment on transactions in the pass and told him I need to speak to a manager ASAP.

He told me that a manager was not available at this time(Another lie). So I said well you better get whoever is your boss on the phone ASAP. After about 10 mins he finally transfers me to a supervisor. He also said that he could not stop my account from being closed and that they could not must a hold on transactions. I told him he needed to get someone on the phone that could help me.

Finally he transfers me to a manager. He also told me he could not stop my account from being closed but could keep it temperately open until I had gotten my new card and account. He also said that they could not stop transactions which I reply by saying that I know they can because I have done it before. He this explained that the fraud department did not have the ability to do it. And he also said that this transaction had not even posted meaning all it was is a normal check to see if my account was valid(most company do this validation process which if you end up not buying anything will automatically be canceled). After several minutes of trying to reason with the manager he finally ask would he could do for me; I asked for some type of credit to my account for the inconvenient they had cause me by closing my account since I NEVER told them to do so. He refused and said that "The customer representative did NOT need my permission to close my account" that was BoA policy. Then said that "Their job was to protect the interest of the company (BoA)"; I got his name and ended the conversation.

So beware BoA will "protect the company's interests" regardless of any inconvenient or cost to you. As for me I will no longer be doing business with BoA.