do not carry their worenty on used trucks
i bought a mercedes truck it had a diesel problem a few days later the cluster burned the truck was at theire premises for about 3 wheeks they said they gone fix the problem they dit not i wend and said that i will pay half the cost to repair the truck they stil had excusses i wend to fetch the truck i took it to an bosch agentsy the cost are about 30 thousend to repair they just say sorry i have the truck more than a month they forget that the truck was at their premeses for most of that time
overdraft fees rip off
I've been banking with Bank Of America for 10 years. Since they accepted the bail out money I've gone to Bank Of Texas but still use Bank Of America as a spending account and have my merchant services deposits go in there. I keep a typically low balance, about $500 and transfer more money when needed. Anyway, I woke up to 6 $25 fees but I had not overdrafted. My account fell to $65 and then I transferred another $500. After arguing with the CSR for about an hour we broke down every single transaction and they had to admit they were wrong. What happened was a merchant (over a week ago) authorized my card twice, once for products without shipping and once for products with shipping but the authorization fell off the next day. But they deducted this authorization from my balance and hit me with fees 7 days later when I would have overdrafted had the transaction actually been paid. (I know, it's complicated, but it's highly fraudulent). After they corrected the six over draft fees of $25 each I wake up the next day and find TEN overdraft fees of $35 each! The first set of overdraft fees caused me to overdraft FOUR more times, which is true but why TEN charges? Nobody seems to know! After another hour on the phone this was taken care of. So I cynically wrote the bank an e-mail asking for $500 worth of credits towards my account for wasting my time. I made the point that if I had overdrafted by mistake I would not be able to deposit the difference and say 'I'm sorry' I would have to pay $500 worth of fees! They wrote me back with 'We've researched this account and found that you overdrafted blah blah blah'. I wrote back with 'apparently you didn't research this account because xxx and yyy'. They wrote back again with 'Oh. You're right. Sorry'. It just drives me so mad! First, they use a fraudulent fractional reserve system and create money out of thin air! The Federal Reserve is about as Federal as Federal Express and then they have the nerve to assess fraudulant fees on the public! Let me tell you how money is created. No, it's not backed by gold, it hasn't been in DECADES! The United States Government decides they need $10 million dollars. So they print up some fancy looking treasury bonds. Then they call up the Federal Reserve (who is a private corporation) and they print up some more fancy pieces of paper and give it to the US government. That's it! 10 million was just created! Oh but it gets far worse than this. The new created money has to have value and since the only thing regulating the value of money is how much is in circulation 10 million dollars has stolen value from the money you have in savings causing inflation! Now imagine 700 Billion being created out of thin air and given BACK to the bankers! And you wonder why gas is $2/gallon when a barrel of oil is going for $35 (it should be $.75 at the pump!) It gets worse! The fractional reserve system requires banks to only have 10% of their reserves in holding. This means they can loan out 90% of their reserve. So what happens to the $70 Billion of bail out money? It goes into bank accounts. Not $70 billion has because 7 TRILLION! Thus causing MORE inflation! And if you really want to realize how you're getting screwed let's factor in INTEREST! The US government doesn't just give the bonds to the Federal Reserve but the bonds are promissory notes that the US government will pay back the Federal Reserve with INTEREST! But if the Federal Reserve made the first dollar where does the money to pay back the interest come from? You got it! Print more money and borrow more money from the Federal Reserve! Causing a never ending cycle of inflation! Inflation is a tax on the people. Look at cars for a minute. In the 80's a new car cost an average of $7000. Now it's an average of $20, 000. Did things get more expensive? No! The value of the dollar has been chopped down to a third while wages have not even doubled! So you save a million dollars to retire on. When you retire that million dollars will have the buying power of $250, 000 if your lucky! And to top it all off.. they hit us with overdraft fees! We need to hit THEM with overdraft fees for bankrupting this economy and creating money out of thin air! And if you really want to hear the truth watch two movies on google video. America: From Freedom To Fascism The Obama Deception And speaking of Obama, lets take a look at the stimulus package for a moment. WE've already established the Federal Reserve printed 700 billion for the bail out right? OK. Well, we authorized the bail out money to be printed and we (the people) took responsibility for the debt, the interest and inflation. Then Obama writes a 700 billion dollar stimulus package. So what does the Fed do? They loan the US 700 billion dollars at INTEREST! AAAAAHHHHH! They're not even using Vaseline!
I've been banking with Bank Of America for 10 years. Since they accepted the bail out money I've gone to Bank Of Texas but still use Bank Of America as a spending account and have my merchant services deposits go in there. I keep a typically low balance, about $500 and transfer more money when needed. Anyway, I woke up to 6 $25 fees but I had not overdrafted. My account fell to $65 and then I transferred another $500. After arguing with the CSR for about an hour we broke down every single transaction and they had to admit they were wrong. What happened was a merchant (over a week ago) authorized my card twice, once for products without shipping and once for products with shipping but the authorization fell off the next day. But they deducted this authorization from my balance and hit me with fees 7 days later when I would have overdrafted had the transaction actually been paid. (I know, it's complicated, but it's highly fraudulent). After they corrected the six over draft fees of $25 each I wake up the next day and find TEN overdraft fees of $35 each! The first set of overdraft fees caused me to overdraft FOUR more times, which is true but why TEN charges? Nobody seems to know! After another hour on the phone this was taken care of. So I cynically wrote the bank an e-mail asking for $500 worth of credits towards my account for wasting my time. I made the point that if I had overdrafted by mistake I would not be able to deposit the difference and say 'I'm sorry' I would have to pay $500 worth of fees! They wrote me back with 'We've researched this account and found that you overdrafted blah blah blah'. I wrote back with 'apparently you didn't research this account because xxx and yyy'. They wrote back again with 'Oh. You're right. Sorry'. It just drives me so mad! First, they use a fraudulent fractional reserve system and create money out of thin air! The Federal Reserve is about as Federal as Federal Express and then they have the nerve to assess fraudulant fees on the public! Let me tell you how money is created. No, it's not backed by gold, it hasn't been in DECADES! The United States Government decides they need $10 million dollars. So they print up some fancy looking treasury bonds. Then they call up the Federal Reserve (who is a private corporation) and they print up some more fancy pieces of paper and give it to the US government. That's it! 10 million was just created! Oh but it gets far worse than this. The new created money has to have value and since the only thing regulating the value of money is how much is in circulation 10 million dollars has stolen value from the money you have in savings causing inflation! Now imagine 700 Billion being created out of thin air and given BACK to the bankers! And you wonder why gas is $2/gallon when a barrel of oil is going for $35 (it should be $.75 at the pump!) It gets worse! The fractional reserve system requires banks to only have 10% of their reserves in holding. This means they can loan out 90% of their reserve. So what happens to the $70 Billion of bail out money? It goes into bank accounts. Not $70 billion has because 7 TRILLION! Thus causing MORE inflation! And if you really want to realize how you're getting screwed let's factor in INTEREST! The US government doesn't just give the bonds to the Federal Reserve but the bonds are promissory notes that the US government will pay back the Federal Reserve with INTEREST! But if the Federal Reserve made the first dollar where does the money to pay back the interest come from? You got it! Print more money and borrow more money from the Federal Reserve! Causing a never ending cycle of inflation! Inflation is a tax on the people. Look at cars for a minute. In the 80's a new car cost an average of $7000. Now it's an average of $20, 000. Did things get more expensive? No! The value of the dollar has been chopped down to a third while wages have not even doubled! So you save a million dollars to retire on. When you retire that million dollars will have the buying power of $250, 000 if your lucky! And to top it all off.. they hit us with overdraft fees! We need to hit THEM with overdraft fees for bankrupting this economy and creating money out of thin air! And if you really want to hear the truth watch two movies on google video. America: From Freedom To Fascism The Obama Deception And speaking of Obama, lets take a look at the stimulus package for a moment. WE've already established the Federal Reserve printed 700 billion for the bail out right? OK. Well, we authorized the bail out money to be printed and we (the people) took responsibility for the debt, the interest and inflation. Then Obama writes a 700 billion dollar stimulus package. So what does the Fed do? They loan the US 700 billion dollars at INTEREST! AAAAAHHHHH! They're not even using Vaseline!
Oops sorry that was meant for another post and somehow I got it onto the wrong page..please disregard
In searching for writing jobs on Craigslist I came across several postings in search of people who would be paid to "research and contribute blog content" and "comment on the vending industry in online forums." At first glance it seemed like a simple enough part time job to take on, and they might have actually convinced me it was legit too, except that the bottom of the post does not give contact info or a link for applying to the job, but rather asks the reader to "google 'fresh healthy vending opportunities'" in order to apply. This immediately struck me as unusual. And so as per my usual habit when applying for jobs, I searched to see if the google auto-complete filled in 'scam' at the end of any related search phrases. Sure enough, when googling the phrase given in the job posting, there it showed in auto-complete: "fresh healthy vending scam." Which landed me here, but curiously also on a slew of other seemingly legitimate blog and info sites containing reference articles about childhood obesity, healthy eating alternatives, etc. The strange thing was that almost all of the sites I found on my "scam" search had inserted the words 'fresh healthy vending scam' as the company/product name in the promotional articles, where it logically should have said 'fresh healthy vending.' All of the websites and articles were so odd and awkwardly written that it actually took me a minute to realize that Fresh Healthy Vending was the actual company name. When I read the thread on this website I realized what they've done, and it's surprisingly smart albeit deceitful. They've paid (or I'm assuming they actually paid them) unsuspecting people to write positive, promotional articles that appear (or might actually be) factual, which include the word 'scam' in the articles and the search keywords of the website so that they flood the search engine with their own paid materials, even if the searcher is looking for something else. The more recent and active websites their postings appear on, the higher they rank in search engines. So when people like me are looking to see whether a company is legit, they don't immediately or easily find negative commentary, or really anything at all that the "company" doesn't want them to find. So this warning goes out not only to investors but also to writers. I can't say whether or not these people actually pay for any internet work done as I did not apply, but regardless, it seems a colossal waste of valuable time, not to mention a tremendous compromise of personal integrity, to get involved with this type of organization. Aside from which, you could never include this type of absurdity in your writing portfolio or resume.
unfair practices
I don't know if this is the correct forum but I feel rather helpless at this point and am grasping at straws now.
In mid to late 2009 I applied for the Obama Administration's Making Home Affordable Home Loan Modification Program with my mortgage holder, Bank of America.
For almost 8 months I went through hell with BOA representatives just trying to get my application through! Although I provided EVERYTHING they asked for, during the first 3 months I heard nothing about my application. Then after my repeated calls, they began telling me over and over that either they never got my documents, they were "incomplete, " or I needed to update them.
Each time I would re-send the requested documents via FEDEX Return Receipt Requested AND GET THE RECEIPT BACK. Yet I would hear nothing for weeks and then when I called to check my status I would be told again that I had "missing or incomplete" documents- the SAME ONES!- despite the fact that I had the signed receipts!
This went on for MONTHS!
Finally, I went on a Trial Modification Program in March 2010 which was supposed to last about 3 months while they reviewed my file to determine if I could receive a permanent modification.
During the next 6 months I went through hell AGAIN...the SAME scenario...BOA reps claiming I wasn't supplying the correct documents, or they lost them or some nonsense. Each time they would tell me I was in danger of being DENIED the permanent modification if I didn't straighten out the paperwork! But how can you straighten out a mess that's being made IN-HOUSE!?
This ridiculous back and forth FedEx signed receipt "I don't have the right documents" mess went on until August 2010.
Then, in early August one of the BOA reps told me I had NOTHING to worry about because my loan app was sitting in the "approved" Dept and I would soon be receiving an "offer" letter for my "new loan modification." I was so happy and relieved. She ASSURED ME that all the NIGHTMARE was OVER!
A couple days later Fedex was at my door with a package. I was happy. I thought "Finally! After all the hell I've been through! Here's my modification offer!"
Imagine my SHOCK when I opened the package and found a LETTER OF DENIAL, stating the reason for the denial was "MISSING OR INCOMPLETE DOCUMENTS!" To add insult to injury it made some reference to the fact that they would get in touch with me later about possible foreclosure info!
I was LIVID! First, I had just been told I'd been APPROVED 2 days earlier! And 2nd, how DARE THEY even MENTION foreclosure to me YET?! I had not MISSED one single payment on my mortgage in the 20 years I'd lived here!
I immediately got on the phone and called them. Guess what they said!? "Gee, I don't understand why you got a Denial Letter. Everything here looks good. All your documents are in order." Yet they couldn't guarantee that the Denial Letter wouldn't "stand!"
So I then wrote my Senator and I wrote Brian Moynihan, President and CEO of BOA. To his credit, within one week Mr. Moynihan had a rep contact me for details. And within two weeks I received my new Loan Modification offer/Agreement. I signed the Agreement/contract and sent it back. In addition I also requested a SIGNED letter from Mr. Moynihan's office stating that I had been APPROVED for the new loan, which I received via FEDEX.
I HAVE the new loan/agreement AND the signed letter in my possession as of this writing.
As a result I have been paying my new loan amount under this agreement since August 2010.
However, all of a sudden, yesterday, when I called to dispute the amount of interest BOA sent me on my 1098 for 2010, the rep that answered the phone informed me that I had NOT paid my April mortgage AND that I also owed a late fee! I said "NO, I paid my April mortgage on April 1st!"
After some more review of my file she said she saw that I DID pay the money but the money was sitting in the holding area. I asked why. She said "because your modification was declined."
WHAT!?! I explained that I've BEEN in a modified loan for almost a year. She said she could only go by the CODE she sees. And the code says I'm DENIED. OH MY GOD! NOT THIS AGAIN?!
She said she would check something and get right back. When she came back she said she could see that I had been paying on a modified loan and wasn't sure why they didn't apply my April payment. She said she would transfer the money right then and remove the late fee. But she said I'd need to talk to someone in another area about that CODE and why it was there.
She then transferred me over to discuss my tax problem. While discussing my interest/tax problem, that rep and I discussed my Decline code. I said the other rep had at least made sure my April payment got posted. He said NO SHE DIDN'T. He told me I was showing up as NOT HAVING PAID MY APRIL MORTGAGE STILL! AND that I owed a late charge!
So what DID that other rep actually DO? Nothing?!
He said he could NOT credit my mortgage payment as long as that DECLINED CODE was on my file!
So here I sit, having faithfully been paying on a SIGNED LOAN MODIFICATION AGREEMENT since last year, having faithfully PAID MY APRIL mortgage, yet being told I'm DECLINED for a mortgage modification ? Being told I'm delinquent for my April payment? Being told I owe late fees because BOA is HOLDING MY MONEY and NOT applying it as they were supposed to?!
I can't get ANY decent or logical answers from BOA reps because when you call them, one Dept NEVER seems to know what the OTHER Dept's are doing! And when one Dept writes something in your file, another Dept has NO CLUE WHY, or what it means!
Now here's the BIG dilemma, among all the possible dilemmas:
Even though I PD MY APRIL MORTGAGE, I'm being told it's not being applied but in fact is sitting in a "holding" area because my modification was DECLINED! As long as it sits THERE, I APPEAR to not be following the rules of my NEW MODIFICATION/AGREEMENT, which could ultimately cause me to be KICKED out of the program through no fault of my own!
BOA has been happily collecting my monthly loan mod payments under the AGREEMENT for almost a year now! Why have they STOPPED this month!?!
Why can't BOA get their stuff together so that the right hand knows what the left hand is doing at all times? Instead of making the customer SUFFER things like THIS!?
What is BOA trying to "PULL" now? It really makes me wonder!
The BOA rep that worked on the tax problem is looking into this for me but it's really NOT HIS AREA. So he didn't seem real positive about what he might be able to do about this "decline code" for me. But at least he, unlike the majority of the BOA reps I've talked to, has been willing to TRY.
My next move, just like before, will have to be my Senator and my Congressman. And this time I'm taking it to the news media as well.
Financially, I'm in a very bad place right now. My home is all I have. I will NOT let BOA put me through that nightmare again and try to make excuses for taking my home. It is all I have left. It is the one thing I have ALWAYS paid for, even at times, not getting medications I've badly needed (I'm on disability), just to pay my mortgage!
I hope that someone reads this and helps me before BOA starts my nightmare all over again.
And I hope people realize that I'm probably one of thousands that BOA pulls this on daily. I know I was one of thousands they pulled the "missing documents" scam on in order to try to discourage customers from participating in the home modification programs!
Sincerely,
Patti Bright
Cc:
-Congressman Steny Hoyer
-Senator Barbara Mikulski
-Brian Moynihan, PRES/CEO, BOA
-Charles Holliday, Chairman of the Board, BOA
i totally agree with all of you. i lost my house through legal stealing . i can not begin to tell you what they put me through. it is totally shameful what they are legally allowed to do to people and their families. how is it that they are allowed to stay in business after they stole my money, house, and i and my family had to bail them out but they would not help us through their illegal practices is this really how we treat hard working americans i guess so . legal stealing . they will all be judged one day for what they have done. i want this off my credit report so me and my family can start to live again . they sold my house at auction but they would not let me sell to get their money. legal stealing thank you very much for taking my home. patricia
making home affordable act
April 13, 2011 RE:"Making Home Affordable Act"
Like yourselves I have spent countless hours on the phone trying to work with BoA. The following is the complaint I wrote to congress after finding out our request for home modification was declined.
Dear Mr. John Boehner Speaker of the House, Senator Cornyn and Congressman Lamar Smith,
Seven months after applying for a home modification through Bank of America, BOA has declined our request for help, and noted on our account we had to be 91 days delinquent before they would intervene and modify our loan. With the help of a qualified home counselor, we submitted all required paperwork requested by Bank of America three times (although 2x's according to BOA our paperwork was never received). In nine years we never missed a payment for our 1500 square foot home, and we have done everything asked of us by BOA and we will lose our home anyway, and that in itself makes no since.
We are trying to save our home by reducing the loan because of two hardships, one being in 2006 when I was involved in an automobile accident and the other in 2009 when my husband was laid off work for over a year. He is working again but took a grossly reduce cut in pay. Furthermore, our most recent news from our daughter who is in the Airforce seventeen years announced she would deploy in six months as well as the father, and I am the Guardian of the both their children and may not have a home.
The reason for my correspondence is I want my congress and Washington to know the new "Making Home Affordable Act" is ludicrous in that it does NOT work. I can't help to think of all the American people who may have lost their homes because of this new law with all its rules, regulations and red tape that goes with it when a perfectly good system worked.
After submitting the letter to congress I began searching for a modification application on line from BAC Home loans Servicing, LP. In my search I stumbled across your site. Your mails are a huge, I mean huge eye opener. I would like to know who is BAC and why is BOA using them for load modification?
The complaint has been investigated and resolved to the customer’s satisfaction.
countrywidehousingprojectsltd
I have booked a plot at real estate exhibition at The Park Hotel Nehru place New Delhi this below mention person and the company
sanjeev katri,
Surrender Tomer.
countrywidehousingprojectsltd .
31 C, 1st Floor, Bhikaji Cama Place, Mohammadpur,
Safdarjung Enclave, New Delhi - 110066
http://www.countrywidehousingprojectsltd.com
they given map of some other location at Jaipur for sale
after getting advance they denied to provide plot on that location and now neither providing the money back .
They have changed office several time and now their no office staff are their
the owner surrender denying to make payment back
pls gice some solution, so far he cheated around 300 to 400 people
my self having around 20 mobile number of those suffering client
treatment of deceased customers
My brother was a long term BoA customer when he died in January. I received a notice from BoA that they needed to repay the Social Security department for an overpayment to his account, which I had closed following his death. When I tried to pay at my local branch, I asked for a notarized receipt of payment. Since I'm not a BoA account holder their rules would not allow them to notarize a receipt to me. When I called their reclamation department to express that they should be ashamed of this kind of treatment, I was told that "they have rules". This is an indication of the little regard they have for their customers once they no longer can get any fees from them.
The complaint has been investigated and resolved to the customer’s satisfaction.
ruined my credit by bad procedures
I'll keep this simple. I always paid my mortgage on time. I had countrywide. Boa took over. I had a death in the family in december and other craziness going on. I somehow missed paying my mortgage for the first time in my life of being a homeowner. They did not leave me one voicemail message. (I had a lot of 800 calls that I did not answer as I thought it was sales calls—and no one left a message which a rep told me was not usual) I also did not get an email reminder either. As a result, they sent me a letter which was received early in january that my payment was not received. As soon as I got the letter I ran to my computer and researched frantically to see if they were right. The funds had not gone out of my account. I made a payment immediately. I also called and asked why no one contacted me. No one could answer and said it was no usual. As a result they reported to the credit bureau my late payment and my credit is now ruined, credit cards rates went through the roof, etc.
The last correspondence I received said "bank of america provides collection calls as a courtesy to our customers, and are not guaranteed. " ###s. I let them have it again. They suck to say the least. Keep an eye on them. They have a bad reputation with mortgage procedures. Again, never had a problem with anyone else.
I just have to give an update to anyone who is interested...I replied to the last email response I had received in my BOA inbox---I blasted them for their lack of customer service and decency. Again, I REPLIED to an existing inbox email from them---this was the response I got: "Thank you for your recent inquiry regarding the late payment on your loan.
We were unable to address your request with the information provided. Please provide a clarification of your request along with your name, loan number, property address, and re-send your e-mail message so that we may better assist you. "
WOW---THEY CAN'T EVEN FIND MY LOAN INFORMATION from me replying to the email in THEIR OWN SYSTEM INBOX/MAILBOX---That shows how stupid they are and how their reps do not care at all. How can you not know who is sending you a message right from within your own system? They are sickening.
Thank you for the advice. The only problem is I can't prove I made the attempt to pay online this past December and it seems with everything going on that I probably did not attempt it or else I'd be able to find the confirmation somewhere. So as I can't prove I did pay/attempt to pay they won't "fix it" on my credit report. Do I have any other recourse?
I applied for help with my mortgage going almost 3 years ago (march 2008 after losing my job) with the keeping your home affordable program. They sent me a package with lots of material that I had to send them and very little details about what I was applying for and what I would have to do. I was approved for a trial period in November of 2008 and I was sent information about making the payments and for how long. I was never told that by making these payments it would damage my credit report and rating and make me behind in my mortgage for six months. To make matters worse, after 5 months, they denied me and put me in for some other program. I never knew what it was, nor could I get in contact with anyone. After a year of calling and getting no word, they final denied me for the last unknown program when they found out I had a temporary job that only lasted 2.5 months. The person working the account at the time wanted me to repay the debt. I never found out was happened to the money I was sending in or if it was going to be applied to the balance owed. I tried to contact them, with no results. I got passed from person to person and no one could answer any of my questions. I wrote my senator and the president and was sent back some info on government agencies that were supposed to help me. Finally I was able to get someone through and agency that could answer my questions. I found out they had bad information on me and had been reporting me for non-payment even though I paid as agreed under the trial period. They also had bad information on my income and other things even though I had sent this to them several times. The woman I spoke with told me that I had a code put on my account that was preventing me from being put into any other programs that I may qualify for and that in order to qualify for any of the programs I had to pay back the money I owe in excess of over 6, 000.00 which I was only in debt because I was paying the amount they told me to pay for the keeping your home affordable program. I have tried several times to talk to someone because now they are threatening foreclosure on my house. None of my papers told me any of this was going to happen and I never knew I needed to continue to pay my regular payments even though they told me to pay the trial period amount instead. I am tired and burnt out after almost three years of this and I am ready to get a lawyer to settle this for misleading me into a program and damaging my credit score and endangering me of losing my house. Please advise. There is more that I left out because it would be too long for me to write in this message.
People be careful in dealing with Bank of America, they have ruined my credit by decreasing credit limit and reporting as if I went over my credit limit. I have never missed a beat with this account, paying twice as much of the minimum payment due. I have paid roughly $10, 000 on this account but the way they report to the credit bureau seems as if you are up to your limit due to limit reduction that is being done all over the Country. I closed this account when banks started having problems with loans and never used their services again since 2009 but they did not close the account and started reducing my credit limit reflecting on a risky loan. I will seek legal assistance from an attorney for a class action suit. If you have been done wrong on your credit due to unprofessional, oblivious, disarray conduct in part of BOA
Welcome to the predatory states of America. It would seem our government has forgotten who they are here to protect. As a result, the banks are having a field day by ruining the lives of folks. Nobody is minding the hen house anymore. Sad and disgusting times.
I had a similar situation happen. I had paid online and they did not withdraw the funds from my account due to a technical error on their part. I had to get them to release a letter saying that "they removed the delinquency put on my account and advised the credit bureaus to do the same." You can get the delinquency on your credit removed. Its alot of work and you need to stay on top of Bank of America but it can be done. The sooner the better! The more you wait the harder it is to remove. I was in the middle of purchasing my house when my credit score dropped 100 points bc of them. I got it rectified 60 days later after I took the letter they wrote and submitted it to the 3 credit bureaus. Research how its done and keep calling bank of america until they release the letter!
payment dispute
I have had a credit card with Bank of America since 2003. When I first opened my account I had a Checking and Saving accounts as well as my credit card account. I had problems with my checking and savings accounts within two years of opening the accounts and choose to close them as opposed to contiuning to do business with Bank of America. When I closed my checking and savings accounts I was informed that if I choose to close my credit card account it would effect my credit score negitatively. I had not had any problems with the account so I kept the credit card open. I have always made my payments on time and paid slightly over the minimun required amount. On my most recent billing statement the payment from last month (April 2011) was not credited to my account. I called to inquire why this payment had not been credited to my account even thought the check has already been cleared through my current bank account and after being transfered three times was told to contact my bank and advise them that a processing and coding error had occurred. I have the proof that Bank of America received my payment however they have taken the position that my check is not enough proof of payment for them they would not even advise were a copy of my check could be sent to dispute this matter. This is not legal and I plan to continue to dispute this issue with them. I would never recommend this company to any I know.
The complaint has been investigated and resolved to the customer’s satisfaction.
unnecessary charging for using debit card
Recently, I was charged around $700 in overdraft fees from my Bank of America Checking account. The problem originally started when I made an accounting error and left my checking account with insufficient funds. I did not realize this, and used my debit card for my normal spending (many small items such as gum, drinks, etc). I used the card around 25 times and was not notified once that there was insufficient funds to cover the amounts.
Therefore, I was charged around $30 every transaction. It was only when I checked my online statement that I found this out. I promptly called Bank of America to try to get my money back, however they would not budge. I asked why they would let me keep charging small items on a card when the account did not have enough funds (although I knew the answer was so that they could keep charging fees and making money).
I remember reading somewhere that they made around 40% of their banking profits on overdraft fees alone, now I believe it. I have been a member with Bank of America for over 10 years and cannot believe what they are doing is not illegal. Also they raised the rates of 2 of my “fixed rate credit cards” for no reason other then “they did not like my payback habits” (although I was never late).
Shame on you Bank of America.
Exactly as 123321 said. You must opt out of overdraft protection so that your card is declined if you have insufficient funds. They may reverse some of the fees but most likely not all of them. You are truly the one at fault here.
reissue of escrow balance refund check
For two weeks now I've been trying to get the following issue resolved with no real help or satisfaction from customer service representatives or the decision makers at BAC. I received a check from BAC Home Loans Servicing LP dated 3/14/2011 in the amount of $685.78. for an Escrow Balance Refund in both my and my ex-wife's names. Any bank teller will...
Read full complaintno help with website breakdown
Let me start off by saying, I'd have loved to post my complaint directly to Bank of America's website… but they require a login before doing so, and unfortunately the inability to log in is the crux of my problem. Too bad BOA, your system is biased against people having problems with your website.
***
Here's what happened. I had a semi-urgent task to complete in Online Banking, and upon logging in the same way I always had, the site kept telling me "You have not entered your Online ID. Please do so and click the Sign In button."
I had indeed selected my ID. The site just wasn't acknowledging it.
The response that I was given was that "you are an esteemed Private Wealth Management customer" and "Though it is a privilege to assist customers like you, our bank has marked your accounts to receive assistance from our Relationship Manager appointed especially to manage your accounts."
Fine. Frustrating that my "esteemed" status required me to jump through more hoops, but oh well. So, what's the contact information of my Relationship Manager?
The response to this question - TWICE - was to "call us at 1.800.878.7878 and receive the same dedicated assistance. We are available 7 a.m. to 10 p.m. Monday through Friday Eastern Time."
The second time really bothered me; clearly BOA has not empowered its customer service staff to think for themselves, so she just went right back to the script and posted an identical answer **and I mean identical** a second time.
At that point, I'd had it. When I need access to my account, I need access to my account. Bank of America, you can either make this easy on me, or hard on me. I don't have time to jump through hoops at 850am on a work day. BOA completely failed me today.
loan modification denial
We submitted our application for a loan modification with Bank of America on September 9th of 2010. This was after an initial rejection the previous summer and a subsequent call suggesting we apply again. Now, after seven months of dickering and constantly asking for more and more information we have been told that our request has been denied and that our hardship was not severe enough. Given that I went from a nearly six figure income in 2009, to $10K in 2010 as an under employed salesperson, I am at a loss to understand what then constitutes a hardship? We are living off our savings and the income of my invalid mother who I care for in our home 24/7. I left my last employer after they slashed my pay and had to bring my mother into my home to care for her as I could no longer pay to have her cared for at an assisted living facility. I do not collect unemployment nor any other financial assistance to help care for my mother. I refuse to place her in a nursing home as the quality of care in such facilities here in Georgia is, on the average, substandard. I promised her I would care for her as long as I am able. We are barely getting by and it is only by withdrawing money from our 401K that we have managed to survive this last year and a half. But at this point our savings are almost gone and yet we are being told our hardship is not severe enough. I only wish we had the same opportunities the banks had when they applied for their bailout money back in 2008. They filled out a two page request form and simply had to ask how much they wanted. At this point I am not sure what we can do. If I could refinance it would probably help, but with my current income situation, and the size of my mortgage, no financial institution in their right mind would consider me regardless of how current we are on all our bills. We have not had a late payment in many years but that could easily change here once our savings are gone. I am just frustrated and to put it mildly, annoyed at a system that favors the rich at the expense of everyone else.
The complaint has been investigated and resolved to the customer’s satisfaction.
driscrimination against minority.
Discrimination report against Bank Of America 02/16/2011. Crossroads Bellevue WA Branch Bank Of America. On Feb 16th 2011. I went to the bank to deposit my Payroll check the same way I have been doing for more the 2 years. I stopped at 15600 NE 8th st suite A9, Bellevue WA 98004. Bank Of America which has been my bank for 5 years. I went in and talked to...
Read full complaintracial discrimination.
Discrimination report that happened
The bank of America
In Kirkland WA.
Antonio r filho
9415 ne 40th st
Yarrow point WA 98004
[protected]
[protected] [protected]@yahoo.com
On May 15th 2009 I went to the bank of America in Kirkland WA to deposit my check of
1054.29 which I do weekly after I get my pay check. That Friday I went to the drive through
And talked to this lady called DONNA and she greeted me and after receiving my check she
Said that, because of the new policy she would put a hold on my check for 5 day because
My check was not a bank of America check. I was confused because I never had this kind
Of problem and a week before my wife had deposited the same amount and the same
US BANK kind of checks and had no problem. I told her that I would want the whole amount
Available right away and she repeated “NO YOU CAN’T “. Then I said I want to see the manager.
I went inside to see the manager and He told me the same thing. That I could not cash that
Check and that they would put a hold for 5 days on my check.
I went my way but I called the customer service of bank of America, and they told me that they
Never her that the bank was putting a hold on checks that were not from bank of America and
That I should go to any other bank and they should be able to help me. I went another bank of
America and they said that this is not a policy that BANK OF AMERICA adopts.
At that point I noticed that I just had been a victim of racial PROFILING and I had an idea.
My wife was home with my son and I called her and asked her to help me to deposit and cash
Some money. The only difference is that SHE IS WHITE and I thought that was the issue my
Skin called and probably the fact the I’m DARK SKIN MALE.
She came with me to the same Bank in Kirkland and went in the bank
With the same check BUT THIS TIME THEY DEPOSIT AND GAVE HER 375 CASH BACK.
There was never a question or about the check and it was the same Check that I tried
To deposit 55 minutes before. I talked to the manager and he got very defensive but
Never apologized to me and my Family.
I would like for someone to help me to get this story on the media either local
Or Nacional of HOW BANK OF AMERICA AFTER TAKING A BAILOUT FROM US
IS TREATING THE AMERICAN PEOLPLE. I do pay my taxes and I am an American citizen.
Thank you.
The complaint has been investigated and resolved to the customer’s satisfaction.
Don't get over yourself
Bank of America agreed to pay $335M in damages because of racial profiling. They tacked on higher interest rates for non-whites than whites. It might not happen all the time, but it does still happen.
Validation article: http://www.dailymail.co.uk/news/article-2077485/Bank-America-pays-335m-damages-charging-minorities-higher-rates.html
discrimination and racism.
Discrimination claim against Bank of America.
On January 5th 2011, I Antonio R Filho went to bank
Of America on 10555 NE 8th ST, Bellevue WA 98004.
I drove to the window of the building to make a deposit of
Payroll check in to my checking account. The teller advised
Me that my check would be on hold for 2 days before I could
Receive any funds into my account. I said that I would like to
Talk to the manager and she asked me to come inside the building.
Once I got inside the building I was helped by this lady called Gloria (Manager of that branch). She redirected me to
To talk to Mr. Brian S. Jones ( Senior Vice president).
He told me that my check of 1054.29 was too much money
And that check WOULD NOT HAVE IMEDIAT FUNDS AVAILIBLE TO ME THAT DAY. I tried to understand the
Problem but because this happened twice before with me I new that it was because of my SKIN COLLOR That he was
Not going to release the funds. I asked him to check my
Account history on that check for the fact that it was a PAYROLL CHECK that was deposited every week but
He asked me to go to another BANK.
I went home and asked my wife to come with the SAME CHECK and deposit it into our account. SHE HAD NO PROBLEM WHAT SO EVER WITH THE CHECK.
They gave her immediate funds to her but 2 hours before they
Said no to me.
This happened to me 3 times now and I’m tired
Of being discriminated by this bank. I am an American
And it does not matter if I’m not white and my wife is,
I still want immediate funds when I go to a back if that
Bank offers that to there customers.
Please help me to stop this from happening to anyone
Who might try to go to that bank or any other bank that
May be practicing this kind of discrimination.
Thank you.
Antonio r filho
9415 ne 40th st
Bellevue WA 98004
The complaint has been investigated and resolved to the customer’s satisfaction.
They have every right to purchase old debts and come after you for them. However Daniel Gordon is a terrible law firm. All they do is sue people, get default judgements then clean out your bank account. YOU NEED TO FIGHT them if they do this to you. This is an assembly line. One person in his office actually told me they were doing good for the economy. I guess crapping on the little guy while he is down is good. It's funny because we have bullying education in school but when you become an adult you get bullied whether it's the government or a low life cheeseball like gordon. Word of advice...NEVER ever EVER get a credit card again. If we want people to stop doing this we need to put the credit card companies in bankruptcy by not getting them in the first place.
not posting payments
I may be getting forclosed on by Bank of America because Bank of America Mortgage is not posting payments or they are posting payments ten to twenty days after they get them. I made a repayment plan with Bank of America in Januaty 2011. I was to pay $900.00 by 1-25-11, and I was to pay $1040.00 by the 25th for February through July 2011. I made an allotment. In the end of February, I called because by payment from [protected] was not posted. I was told that they were behind on posting and not to worry. On March 7th, Bank of America posted my 3-4-2011 payment. Where was my Feb 18 2011 payment? I called. I have this paymejnt set in an allotment. A treasury check is sent to this company. It will be 60 days before I can get a copy of the cleared check. Although they got my March4 2011 payment, they did not post my March 18 2011 payment.
I think this is a conspiracy and common practice of this company. On March 26, 2011 I had stopped the allotment and set up for my April 15 2011 payment. They charged me $20.00 fee to be taken on [protected]. They took it on Monday [protected]. So they have to hold my $1040.00 and run it on [protected].
This company does not care. I now have to look for a Mortgage attorney to help me with this mess. All because Bank of America is paying with payments. If anyone is having this same problem, let me know at [protected]@gmail.com
The complaint has been investigated and resolved to the customer’s satisfaction.
I am having a huge problem with BOA as well. They sent a letter saying we are three months behind on our payments. The didn't post a payment I made in April 2011, March 2011 or September 2011. I call every day and I get the same answer that they are researching it. I have faxed and emailed bank statements showing the payments and yet they have still not posted the payments. I escalated my complaint to the corporate office and once again I had to fax my bank statements then she said it had to be researched again. I just don't get it what needs to be researched when it clearly says it I made the payments. I just don't know what to do anymore. They clearly don't care.
accounts closed without notice and world points lost
we received a letter Saturday that our checking account with BOA was going to be put on restriction in 21 days and closed in 30 and that it was a business decision. We have been banking with BOA for over 10 years and have the worldpoints card and all of our mortgages with them. We pay off our card each month because we use it for everything to accumulate points and use our points for gifts and vacation travel. That same saturday morning with no advance warning our credit card was declined and when we called they stated it was closed due to inactivity. which is totally false because as I said we use it for everything and had just used it the night before. Our credit score is well above 700. We have called and gone into local branches and no one can help us other than directing us to call the account closures department. That department is simply a recording stating they r busy with other customers and stresses twice at the beginning and at the end that it is the BOA is not required to explain the reason for the closure. So basically they say leave your name and number and we will call you within 24 to 48 hours but it is their policy and they are not required to tell us anything. We are also unable to access our funds locally. To make matters worse we have over 500, 000 worldpoints that we were saving for vacation and I cannot even access my worldpoints account because the card was closed and was told when I called that the points are usually forfieted when accounts are closed! We received a call from the account closures dept and they said they do not have to nor will they tell us why the accounts were closed and that our points are forfeited as per the credit card agreement and that there is nothing we can do! That is crazy! we earned those points!
Thats exactly true...we finally figured out why they gave us 30 days before closing our checking and immediately closed our credit card... so we couldn't redeem our points... the person we spoke to from account closures today all but insinuated that and said there was nothing we could do and that he did not have to tell us anything... I need to find more people that this has happened to and spread the word on facebook to watch out. We lost over 500, 000 points that we were saving for summer vacation for my daughter's high school graduation trip. I will definately look into getting help investigating it...thanks for your comment. Help me spread the word.
The complaint has been investigated and resolved to the customer’s satisfaction.
Same thing happened to me and my wife. They closed our credit card accounts without any notice/reason. BofA is just a fake bank and they will do anything they want without respecting customers. Stay away from this bank.
They did same thing forfeited my 300000 points and closed all my accounts . Is there any one help me out for this . My email zaf81@yahoo.com
I can't help you, but write or call the Consumer Fraud Protection Board (CFPB). This is just the type of thing they were designed to deal with for consumers and you may end up being part of a consumer settlement.
I just got my account closed, I have 100k left in my world points, I don't think it is legal for them forfeited the points, I would like to know if anyone got same situation would like to join together to file a class law suit against BOA.
My contact info feegege@yahoo.com
SAME THING JUST HAPPENED TO ME 10DAYS B4 XMAS AND THEY FROZE ALL ACOUNTS WITHOUT NOTICE, AS WELL AS RETURNED ALL CHECKS WRITTEN ON THE ACCOUNT THE WEEK PRIOR ... CROOKS! THIEVES! THINK I MAY FLY OUT THERE AND HAVE A LITTLE TALK WITH MR. LEWIS
100 N. Tryon Street.
Mail Code NC-[protected]
Charlotte, NC 28255
Same thing just happened to me I wanted to use my card and it declined when I called they told me my account has been closed for no reason and they gave me the number for the account closer. I had over 160, 000 points which they told me i lost. I have been with BOA for over 10 years and they do this out of no where. I always pay my balance off so they are defiantly not making money of off me and I think this is why they did that. I can care less about being with them and i am closing the rest of my account s and my whole family is moving their accounts to another bank institute. The only thing that is pissing me of is how i forfeit points which i earned and was saving. I really would like to report them for their fraud to a news agency or at least spread the word about their business practices. First they want to charge $5 for debt card fee and then when that didn't work they probably do this to their loyal customers in order to keep their profits high.
on-line employees using complaint board
TD577 Works for Bank of America! FYI, he is getting paid by the company to come on- line and try to confuse people with the facts about his banking industries corrupt practices. He will pop up on everyone's letter of complaint but only for Bank of America. This is his full time job. He is getting paid to make ignorant comments and to criticize people, he is a cooperate vulture at B of A, FYI to those who chose to dare write about his company. He is the opposite of what this website was created for (CONSUMERS.) The big cooperations have nothing better to do, since they are not helping consumers at all!
My favorite part is when you "confuse people with the facts…"
fraud, embezzlement, loan modification
Bank of America and BAC Home Loans is the most criminal banking organization on our planet. Their only goal is to destroy millions of lives not help them like they say on their website. This is misrepresentation and false advertising. Quite honestly, the whole banking system needs to be replaced. Many people are standing up and fighting these monsters:
http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html
No one should expect a loan modification from Bank of America. It is a trick to make you default and take your home. They make much more money that way. They could care less if you are dying, got an operation, lost your job or any other unexpected inconvenience that might happen in your life. Do not fall for their traps. This is called F-R-A-U-D! They need to be exterminated like a bad roach infestation that has corrupted this country's economy. They are committing "widespread" fraud. When you "lead" millions of people to believe that you are going to help them (with their own tax money of course, i.e. bailout) and even make them miss payments in order to get a loan modification, that is called fraud: http://en.wikipedia.org/wiki/Fraud.
Bank of America is a Racketeering Enterprise! Please read my article here: http://www.piggybankblog.com/2010/11/16/bofa-racketeering/
Bank of America must be held accountable under RICO for Racketeering. Please sign this petition: http://www.change.org/petitions/the-president-of-the-united-states-hold-bank-of-america-accountable-under-rico-laws
Do whatever you have to do to stop this Mafia from ruining your lives. Get an attorney, join a class-action or even sue them yourself (pro se). We need to stop this Monster called Bank of America before more lives are destroyed. Don't let them STEAL your home, fight back. Bank of America wants you to give up and the statistics show that most of their victims do. Don't be a Bank of America Victim any longer!
TheLoveFist II, you are obviously not aware with the amount of money that these banks are making on foreclosures. Many people do not. Do not take my word for it, do some research and you will clearly see the truth. All I know is that I can sleep at night because I am not fabricating a web of lies as these banks have (ie Bank of America). The government allowed this system to operate in Wall Street for may years and now the homeowners are the ones who are getting screwed after they all made billions upon billions of dollars. Most mortgage assigments are forged as well. Mine sure is. Again, don't take my word for it. You can watch it yourself: http://www.cbsnews.com/video/watch/?id=7361572n&tag=related;photovideo#ixzz1IaCUSE4D
Sure, TheLove Fist. Here is goes...http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html
Just read Stealth's posts. Just so you know Stealth, my press release DID have the word "allege" written all over it and the "original" was posted on a website the following day that it was created. The only thing I did to that release "after the fact" was make a spelling correction to two words. You obviously did not read my press release the first time as I had stated before. How can you complain about something that you never actually read?
Stealt, it seems that you really did not read the press release because the word "allege" and "alleged" is all over it. Furthermore, if you are in the military as you say you are, you should be aware of one of the privileges we have in this country: Freedom of Speech. If Bank of America blasts their customers and investors publicly blaming them for the lack of loan modifications (they never said allege) then I can certainly speak the truth and speak my mind in a decent and non-profane way. http://www.propublica.org/article/Bank-of-America-Blames-Investors-for-Lack-loan-mods-its-not-true. http://www.bnet.com/blog/financial-business/bank-of-america-blames-customers-for-hamp-problems/2831. The truth is, I am not here to bicker like you. You have left over 4, 000 comments on this complaint board and it is obvious that you like confrontations. I am not here for confrontations, I am here to educate the public about a company that is not abiding to the rules and regulations of business practices. If anyone breaks the law, they have to pay. That's it. If I would committ only 1% of the crimes that BofA has committed, I would be in jail right now. I do not forge signatures, steal from bank accounts, file false or forged documents through the justice system, embezzle money from escrow accounts, misrepresent services, harrass customers, foreclose on property that doesn't belong to me and so on. That is just a portion of Bank of America's crimes against humanity. We are fighting wars in foreign countries for oil or to destroy terrorists but we fail to fight the financial terrorist right here in our own backyard. What a corrupt system we live in!
By the way Stealth, you were the one to make the first assumption and I guess you and Brenda failed to see it. You said and I quote: "Pay your mortgage on time each month and you will have no problems." You were the first one to comment on my complaint and "assumed" that I was having all these problems due to not paying my mortgage. You started the war! I was abused by Bank of America and that is it. They are allowed to do business in this country and they need to abide by the regulations. They continue to rob people that have loans with them and bank with them and they continue to issue illegal foreclosures and even foreclose on homes that they do not own and no one is stopping them. They are destroying everything that this country stands for and as a natural born American Citizen I am going to use my rights to the fullest and protect family. You, on the other hand have posted nasty comments that are uncalled for. If I were you, I would not be bragging about being in the military. I am just a hard working citizen who spent her life savings on a home and has disabled children and I do not use vulgar language against anyone. I guess I was raised right and I expect my children to also treat others with respect.
I understand Brenda but if the link I posted would have been read, he/she would have known the accustations. I have certain restrictions and I cannot provide every single detail about my case. I cannot understand how someone can scour the internet looking at negative posts about Bank of America and not be affiliated in some way with them. We are in an economical crisis and the banks are the main reason why. And this person "assumed" that I was a ### and that I did not pay my mortgage. Isn't that also an assumption? So who is the one that made the false assumption?
You are a low life and you are very disrespectful by calling me a ###. I am far from being on. It is so sad that a disgraceful piece of crap like you is in the military. No wonder this country is going to the crapper. I guess anyone can be in the military. You disgust me and I refuse to reason with a idiot. Like I said before, I did pay my mortgage. It's not my fault that money was embezzled from me by a company that I am supposed to trust.
Just so you know, I did pay my mortgage on time and they kept screwingme over. I guess you work for Satan's bank and therefore scouring the internet in defense of their fraudulent practices. I guess you are ok with the widespread fraud that is being committed by Bank of America. People are fighting in wars and losing their lives for this country but no one is addressing the other war that needs to be initiated against these criminals. Then, where is the justice? Crimes are being committed against the people and I guess your ok with it. You better hope that you don't lose your house too. Maybe not if you work for BofA. They already ate Barbara Desoer's mortgage deficit wthout a problem but are screwing everyone else over. http://blogs.wsj.com/deals/2011/03/10/housing-crisis-bank-of-america-takes-533500-loss-on-execs-home/?blog_id=6&post_id=32614
I have 3 credit card accounts with B of A, called in this morning to ask a simple question about interest fees on 1 account, the only account with a balance. Jennifer ask a bunch of questions, example: On your drivers license are you 5'6, 5'9, 6', or 6'9, I answered none of these, then other questions about where I lived 36 years ago, again I gave her the correct address, well her answer was I failed, so she would not give me the information needed. So, I asked to speak with supervisor Jessica, same lack of common sense from her, would not tell me simple answer about interest fees, at this point I'm upset because I have been on phone for 40 minutes. I hung up, and called right back and got great customer service rep Tella in Scranton PA, after 2 minutes I got my answer, Tella was professional, effective, and had common sense, as well as intelligence.
After hiring a lawyer to secure our home modification, after we failed trying to work with BofA on our own, we where able to save our home and avoid our home being sold on the court house steps 3 minutes before the 10am auction time. We did everything BofA asked us to, notorized with a cashiers check for the September payment with our next due in October and sent back the signed agreement by their deadline. We had been making our payments as scheduled, on December 31 we recieve via Fedex a packet with a home modification proposal, I call BofA and ask questions they say there was an error on the first offer we signed, of course we where not notified nor was the lawyer that there was an error, I asked what the error was they said because you cant have more than 2 interest rates, well the proposal that showed up on December 31 had the exact same amount of interest rates as the one we agreed to and signed the main difference we can see is that BofA changed the interest rate at year 8 for 243 payments from 4.375% to 5.000% doing the math this will cost us allot of money for the majority of the loan, not too mention that we have recieved no crediit for the payments we had sent in, and also added on more to the principle than the modification we signed and agreed to. The lawyer we hired is now worthless because they have done nothing to try and resolve this.
Had a debit card that I paid my bills with.my wallet was stolen at the lake I call bank was issue new card number and the one that was stolen was cancel. a few months later Directv came into my account on my card that was stolen and took out 598.00 I do not have direct deposit with this company my bill was a 128.00, do not give bank of America your account numbers I talk to a lawyer and what they did was not right. file a complaint and was told no reason they allow this. seems the merchants has more rights than the customer on my own money why cant we go into their account when my cable goes out or I watch the same reruns month after month or charge the bank for not updating my account on time. I may go back to money orders because these account numbers they can do what they want,
Bank of America has the worst customer service of any business / bank I have ever dealt with. Account was compromised & BOA caught it but then decided to not only close my account but they would not open another account for me. I was a signer on my mom's account so they decided to close her account too even though her account was not compromised. They did not notify my parents that their account was being closed. They said they had the right to close any account at any time and were only required to send a notice out through regular mail. So for 10 days her some of her transactions went through and some were rejected despite having plenty of money in the bank. They could not explain why some transactions went through and others rejected. Good thing there was plenty of money in the account but aggravating that the account was closed without the primary account holder being notified until well after it happened. Customer Service, Fraud, & Risk department were all horrible and could never answer any questions. Plus once they started closing her account for whatever reason they put all funds on hold for 48 hrs. How a business can hold money that belongs to an individual for 48 hrs is something I can't understand. How they can randomly decide to pay some transactions & not others is just crazy and no on can give you an answer. Horrible customer service!
Bank of America in Chicago, IL. Have committed a fraud in my mortgage and now trying to sell my home. First of all they paid on taxes paid already - then refused to accept mortgage payments late- They have a Judge that work with them. They are attackers of CPS teachers now taking homes. The politicians in Chicago know that this is happenings and allow them to continue. Frauds on Mortgages where owners of homes were never late-Forced late payments by not accepting or posting payments- and returning payments-ghost transfer to someone who can not accept your payments.
B of A is jerking us around on a home modification loan
mmoobb@hotmail.com
This bank are the worst I have ever deal they are bandits with licensing the robe people
From: Bank of America Alert
Where is the complaint that I wrote about Bank of America?
they are garnishing my check after 7 years, i thought there was a limit on this?
medallion guarantee
My wife went into our local BofA branch in West Islip, NY to have them provide a medallion guarantee (MG) of her signature. The MG is to be used to transfer the stock of her recently deceased father into her name. The MG is nothing more than a stamp from a bank acknowledging that her signature is correct, sort of like a notary. Since we have our accounts at BofA, and they have her signature on file, this is an easy thing to do. It's also a requirement of the bank. Unfortunately, she came across an idiot in customer service that refused to provide this basic service. She went back the next day with a death certificate, court letters and a note from our attorney. My wife was refused again. The woman was extremely rude. Everyone in the industry (including me) knows that this is no big deal and should be a service provided. The other thing we all know is that BofA is the worst client service bank on the planet. I worked for them and can attest to that. Let's all boycott this backwater institution.
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