<prompt> Human: So I was unemployed for months and racked up some credit card bills which I was not able to pay. I had about 4 months of late fees between 3 cards. I am getting a paycheck soon and tried negotiating with the CC companies about waiving my fees. Discover and Capital One were very helpful and instantly refunded one late fee. Bank of America on the other hand gave me a big excuse about not being able to do anything until I pay the balance due. This was after a myriad of attempts to contact them. The secure email I sent them was ignored and the phone call I made was redirected 3 times before reaching a this number does not exist department. In short, I spent over an hour already dealing with BoA and all I get is a finger to my face. Compare this to the other two companies which resolved my issues in 5 minutes.I am putting this here as a future reference so that people can avoid doing business with this shitty corporation. I did a search before posting and found quite a few others with the same opinion. Together hopefully we can make them fall.TL;DR: CC late fees. Discover and Capital one refunded, Bank of America would not.  <response>: They dont owe you anything. In fact, you owe them! 