Bank of America, AGAIN

Bank of America has been charging me in excess of 300 dollars for a payment tht they say the principle payment is only 120 dollars. They can finance charge double talk all they want but if the payment is 300 dollars and the principal payment is only 120 dollars a month, then you are paying ALMOST 200 percent interest. I have been doint that for ages and they say my account balance is now over 9 thousand dollars. They made sure to limit my credit after they fake charged it to that point and here is my point. I used maybe 4 thousand dollars of their money. If they didn't operate like loan sharks, then I would have paid it off years ago. This is preditory banking. The only help you can get online is for "TECHINCaL QUESTIONS" and their rotating ignore phone system won't let you ask what you want to.
SOMEONE IS RESPONSIBLE FOR ALL THIS OVER CHARGING BUT THEY DON'T WANT TO DISCUSS THAT. I decided to resolve it myself by calling card services as they suggested. This is that they did.
They sent me a notice that THEY were limiting my credit card limit. This is AFTER I FROZE MY CREDIT LIMIT DUE TO MY CREDIT REPORT. They are trying to destroy my credit report by saying that THEY decided to let me make a 180 dollar a month payment for five years. That is 12 months one payment a month per year. So $180 time 12 x 5 years. That is 60 times 180 dollars. 60 x 180 = 10,800 dollars which is another 1200 dollars over what I might even be allowed to spend if I hadn't been diligently making payments since 2003. When you go on their website there are some specific questions you are allowed to ask and one of them isn't ARE YOU NUTS? When Bank of America was first contacted by me to freeze my account, then they tried to say they are doing me a favor. Then they send me a notice as if it was THEIR IDEA TO CHANGE MY CREDIT LIMIT, knowing full well I can't use the card anymore and refused to receive it when they sent it to me in the first place. If they send you a credit card you didn't ask for, take it to the nearest B.O.A. branch, ask the teller for a pair of scissors and cut it into little pieces there are the window in front of their other customers. I suggest that you then hand them the letter that the credit card came in and your life will be so much simpler.
There is no such thing as free money. The people who try to tell you to keep using your credit card, including the people in Arizona who won't give you food stamps until you have destroyed this card, will keep hounding you until you do. The Department of Security wants you to use your credit until you are bankrupt before they will admit that you need help.
I am on disability and can not find work for myself and can only at this point make $709 per month. Try living on that. My payment is reduced to 180 dollars a month and this is the phone number to call. 1-866-575-9070 and ask to set up a payment plan so that they can't screw up your credit report. I would suggest buying things in cash and only buying what you need instead of everything you see and want is a really good idea. Thanks to my mother and sister I now have my own condo with a small payment for insurance and H.O.A. fee at around three hundred and fifty dollars a month. I am now going to reduce my phone service to Cricket for about 50 dollars a month instead of this damn Verizon Wireless I have been paying over one hunderd dollars a month for services I don't ask for and never used and I am done with them. I will pay off my account after my cricket phone service is adjusted and started up. I have to live like a poor person until life in America Changes for me. I find it unfortunate that a person like myself who listened to the "settle for this" mentality to try to get along now is told that since I walk with a limp that I am useless in today's society. I am tired and really need a job. I see the banks doing nothing but taking advantage of these people. It is time to fight back.