We had several credit cards and long term CDs with MBNA, then Bank of America bought them out and we had to jump through all these hoops to get things switched over to their online banking, etc.

I had never heard anything good about Bank of America (except for what they say in their commercials), so we cancelled both cards and fortunately the CDs came to term in January, so we closed them.

I feel your pain about getting the refund. You will be jumping through many hoops. Make sure you document every call you make (over the phone or in person) and get everyone's name that you talk to.

Good luck!!

-Michael