when analyzing credit card charging fees, I found out that BofA as well as first data card services was charging fees that I never agreed to. The extra fees were adding up monthly to average over $1000.00 per month. When I called B of A, thet told me that I should have requested a charge analysis. They agreed that I was being over charged and reuced my rate from over 6% down to 2.2 %. I told them that when B of A took over my account, I asked for a rate check and never heard back. I asked them to refund the fraudulent charges and they said that they cannot do that but they would lower my rate to what it should have been all along. I told them that the over charge from around 4% for over two years from a total of $120000.00 was around $50,000.00 of fraudulent charges and got no reply.
Credit Card Processing (ACH) Companies