When she went to finish the purchase it said the charge could not be applied so she called the customer service number on the back of the card to find out why it wasn't working. So the customer service guy tells her that in order for anybody to purchase something over $250 online they have to call Bank of America first and they have to approve/authorize you to be able to make the purchase.
This really pissed her off. She said so in order for me to use my own money, my own card, etc I have to get authorization/approval from the bank for me to make my purchase. He said yes because it is to prevent online fraud, etc. She said well that's why I check my statements every month and if I see something then I call and dispute it. She then said I don't need to get approval from you to use my own credit card/money, I had a father once and I don't need another one telling me how to spend my money.
She then told him that she will pay off the balance on the card and will be cancelling the credit card with bank of america as soon as it is paid off. They have other cards through American Express and Discover so it's not going to hurt them to cancel, just the bank.
Has anybody had this happen to them recently? They have a very large credit limit on all of their cards so it's not because they have bad credit. This is apparently for all credit cards.
I'm seriously thinking about switching banks now to Wells Fargo where our mortgage is at. Since our mortgage is through them I would have access to the highest checking/savings account they have and have no fees for anything whatsoever. Anybody else switched banks recently because of something like this?
Edited by Mossyoakglock, 06 March 2012 - 11:49 AM.