OK, well I called them and told them about how I made a payment, but because of faulty imports into the system, it was paid to Chase at a defunct account number. The lady kept putting me on hold and then coming back with some gem like "we're not showing any payments made in November, but I do have one in October" OVER AND OVER. After about 20 minutes of round and round, she did waive the late fee, but guess what? Despite the fact that it was THEIR faulty system, my balance transfer deal is now expired. I asked to speak to a supervisor and she told me that basically the credit cards division can't see anything that the banking division does, so I need written records from the banking division that they did something wrong and that the banking division has to attest that it was sent to Chase, because even though I can pull up the screen on my own, the supervisor in the credit cards division can't.
This is bullshit. I am pulling some money out of savings, paying off the Christmas gifts on my Chase card, and transferring the whole thing back to Chase. I can get 1.9% fixed for 6 months which I think is long enough to pay it off. I am getting the hell out of Bank of America. I really liked MBNA but they got up in some bad business.