I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time. 
