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You: hello
Fred: Hello! To assist you with your personal credit card, may I please have your first and last name along with the last four digits of the account number?
You:
Fred: How may I assist you with your personal credit card, Solomon ?
You: i was told that the annual fee would be removed if I downgraded the card to a non-fee card yet, the fee is still there
Fred: I apologize for the delay. I'll be with you shortly.
You: k
Fred: Solomon, annual fees are unable to remove from the account.
You: I was told that they were,
Fred: If you convert your account to a no annual fee card, fees will still be assessed.
Fred: However, If you apply for a new card with no annual fee, the fee will no longer be assessed.
You: I was unaware there is an annual fee and was told that If i downgrade card it will be removed
You: isnt that a ridiculous notion? I should close my original account and apply for the same card?!!
Fred: Solomon, our credit analyst will still review the account.
Fred: It will be their decision if the application is eligible to for no annual.
You: when can i excpect a responce?
Fred: Just to clarify, have you applied for new credit card?
You: no I have 2 cards that I received from bofa that came with an annual fee, when i was made aware of this I said I did not wish to pay the annual fees,I was told that if I were to downgrade to a non-fee card then the fee will be waived.I did so and the fee is still there
You: incidentally , when i told my cousin this story he said he got the same card and when the fee hit was told to downgrade card if he did not wish to pay
Fred: Thank you for your patience, I will be right with you.
Fred: Let me take a closer look on your account, Solomon.
You: k
Fred: May I know when did you contact us?
Fred: I would need to verify those information in your account.
You: a few times: Jan 18th Jan 27 Feb 4th
Fred: Thank you for waiting. I'll be with you in just a moment.
You: k
Fred: Thank you for your patience, I will be right with you.
You: k
Fred: I apologize for the delay. I'll be with you shortly.
You: k
Fred: Thank you for waiting. I'll be with you in just a moment.
You: k
Fred: Upon carefully reviewing your account, I see that the annual fee assessed is valid.
Fred: The annual fee is used to support the various benefits, features and maintenance available on a consumer credit card. We believe that annual fee is a fair exchange for that value.
You: I would like to be transferred to a supervisor
You: but I am not keeping the card with those benefits!
Fred: I will be transferring you to a Senior Chat Specialist who will be able to review our conversation and assist you further. Please remain online while you are being connected.
Last text message receivedFred: May I offer you to speak to a senior chat specialist who will be able to discuss this further with