Bank of America

We originally remortaged with countrywide who placed us into one of the now imfamous "unstable mortgages" that we will have a hard time maintaining as time goes on. Many have already lost their homes because of them. Bank of america took over our loan when they purchased countrywide last year. We are in a home mortgage situation where we now actually owe more then we originally mortgaged for from countrywide due to the type of mortgage we were offered. We did not realize at the time that this would be the situation and we signed papers without really understanding the consequences. We have been able to pay our mortgage payments thus far but we need to get into a more stable mortgage. When we call bank of america they do not want to assist us because we are not behind on our house payments.In other words, we have to be heading into forclosure before they will even discuss helping us. They want to make sure your credit and everything is ruined first, I guess. They claim they don't have to help us because they did not get any federal assistance to do so, which we know is a lie. This is a very corrupt bank that does not really care about anyone but themselves!
I guess, we will have no choice but to give them back a house that is worth a whole lot less then what it was purchased for, when we are willing to try to work out something with them to continue to pay them on a reasonable mortgage modification. Anyone else have this problem with bank of america? I see they were involved in a class action last year that involved people in the same situation as us who lost their homes. Why do you have to lose your home and everything in order to get help? My son is also with bank of america and after two years of trying to get them to help him he finally put the house up for a "short sale". Now they both lose! What kind of idiots are running this bank? Would it make sense to try to help people out and keep them in their home rather then be taking in all the homes that are getting forclosed on? Or instead of accepting short sales, allow people to stay in their homes for a decreased mortgage amount? Whats the difference?! Most people who are selling by short sale don't really want to move - they just can't afford the higher mortgage payment anymore! This is a very uncaring bank!

I purchased a home on a 203k Streamline loan this loan was then purchased by BOA Home loans. i recieved the first half of the funds for the intial startup. on 10/18/09 i faxed in my letter of completion and it is now almost 4 months later and no one can tell me why my final check has not been sent. i have spoken to numerous reps as well as Kia the supervisor. I was on hold for 20 minutes and then they hung up on me, no one returns my calls. I am at my wits end with the terrible service. everyone i speak to says my check should have been mailed they can't figure out why it was not. yet to date nothing has been done to take care of this matter.

We have two home financed with Countrywide/BAC -- both have been paid electronically, on-time, for the life of the mortgage. The payments have the account number on the check.
Last September they started crediting both payments to one account, and nothing to the other account. I received a letter that we were about to be foreclosed, and two days later, a process server delivered the papers to my door. At the same time, I began receiving letters from people wanting to by my home, and attorneys wanting to represent me in my foreclosure.
I called BAC/Countrywide - they were snitty, but finally did look into the situation, and admitted the error of their commission.
The foreclosure sued me and my homeowners association, and has been posted in the local newspaper.
I have been humiliated and I'm furious.
They quickly discovered their error and say they will rectify this. I've sent them a certified letter, demanding they issue a retraction and letter, as well as a notarized letter to each of the three credit bureaus.
I'm told I will have to sue them to get them to rectify the situation - otherwise, if I should ever need my credit, I'm screwed. It will impact the rates I'm charged, if indeed I can even get credit.

Used debit card for 4 small transactions over a period of several days. They appeared as pending. I tracked remaining funds but miscalculated by less than $6 when a check was presented for over $100. The transactions were rearranged, largest to smallest and posted on the same day. Of course the last transaction I did for $100 was posted first, creating 4 NSF charges. This snowballed as I deposited funds to cover these charges as others were being posted. My available funds couldn't keep up with the rearranging of all my transactions and additional fees piled on and in a period of 3 weeks, accrued $560 in NSF charges. Granted, I made an error one ONE transaction but does that justify rearranging the transactions to maximize their profits at the risk of my financial ruin? I researched and discovered this is a common practice of BOA as well as other large banks to maximize their profits. It is one of the many issues currently being looked at by our government but as we all know, any real changes or reform on Wall Street has been a long time coming and will not happen overnight. There is a committee formed by a legal firm looking into filing a class action suit against BOA for these practices. Log on to www.bank-overdraft.com and post your name and complaint. The more cases their are, the sooner we can proceed.

I would like to file a complaint against Bank of America. We have contacted them numerous times to apply payments that were made on our mortgage. We have over $5000 that is being held in suspense on a mortgage with an $861 monthly payment. This started when we opted to make weekly payments last year on our account. The payments were not applied correctly and we were charged late fees. We could not get anyone to resolve the matter, so we reverted to the regular monthly payment. Since then they have held all of the payments in suspense and have reported that we are in arrears on the mortgage. We have made several more contacts to Bank of America to have this situation resolved, but to no avail. We are in the process of selling this property and now fear that when the mortgage is paid off, that Bank of America will collect hundreds of dollars of late fees and interest that are not justified. In addition, this situation is affecting our credit rating. We would like assistance in dealing with the bank. Surely there must be laws to protect us in this matter.
We have followed and official complaint with the Office of the Comptroller of the Currencey. I urge any other consumers who have experience this outrage to file a complaint.

Hi, I am haveing the run around with B of A. I have 2 mortgages with BofA.. In Oct., 2009 I wrote I cheq for both Loans, wilth BOTH loan #s on the cheq. It was applied to one mortgage.
I got a call late October from a cdebt collector, stating my account was deliquent. On calling B of A, I was told that the entire amount was applied to ONE mortgage.I was assured that this was corrected . This was Oct. 26th. On Oct., 28th something unexplained happened, even Bof A cant explain. My payment was REVERSED with no trace of where it went to.
Thus showing that one of my mortgages did not get a payment in October. My Nov payment was applied to Oct, Dec payment to Nov, and Jan to Dec, hence still 1 month late and paying late fees.

Talking to Bof A, you get a new person each time. On Jan 6th., had a manager that I talked to, and she asked me to call her Jan 15th, to see if rectified. Left her 6 messages since then, no response...My phone # [protected] for details. Please help me...Thank you Ash Sharma

I have a mortgage which was purchased byBank of America in August, 2009. Original mortgage was by Taylor Bean of Ocala, Fl. August, 2008. In March of 2009 Taylor Bean had decided I did not have home owners insurance. So when they paid the Real Estate Taxes they took out a policy for $2600. I caught this end of May called Taylor Bean, kept the rep on the phone and faxed a copy of the home owners policy showing that the policy was paid at time of purchase of the home August 2008-August 2009. Oh Ms Vanwinkle we will fix this. So sorry. Well in August the bill still showed that amount out of my escrow, which was causing escrow shortage. I also received a letter from Bank of America saying welcome we have purchased your mortgage. It has been a nightmare. My payment had went up from $1532 a month to over $1800. Can't afford this So I have been paying what I was paying Taylor Bean every month. In September I faxed them info on the insurance problem. I was told it could take 120 days. Well in October I noticed on my escrow from Bank of America they had replaced the amount due on Real Estate taxes from $2500 to over $5000. They couldn't explain where that came from. I called them 3 different times and gave them the correct amount $2600. In Sept I spoke with a guy name Tim Kzencki who was in the process of doing an FHA streamline loan Never got any paper work from him. I assume he no longer works there. Spoke to a guy in the refinance dept. in November. and he was rude. Basically Ms. Vanwinkle there is nothing we can do to help you. We just service the loans. You have to be with us for a year and even if we did you would have to bring $4000 to the table. There is nothing we can do. Then I finally talked to a gal in escrow a couple of weeks ago named Tabitha who actually other than the folks in India that call and see when you are paying that was nice. And actually acted like she wanted to help. She put in 2 works orders to reinvestigate things. Last week I was told that my December payment was not paid in full, which it was, but the problem was my August payment wasn't showing up, so I faxed them a copy of my payment made to Taylor Bean for the payment. What more do I have to do. You know as a tax payer, my and your money bailed them out and paid their ceo millions of dollars in bonuses, which should have never happened. So technically, we as tax payers are part owners of Bank of America. I will not lose my home. In my opinion, those ceos should take those bonuses that they don't even need and use the money to help people who are losing their homes. Gee would that not be a noble thing to do. But no F the American people. Sorry about the F word, but just seems appropriate. Thanks for listening.

Bank of America did a $600. unauthorized ACH withdrawal from my bank account. This occurred on 1-8-10 and has caused my bank account to be severely overdrawn with a total of $148. in NSF fees so far. I have been fighting with Bank of America for 3 days to return the money to my account and pay the NSF fees. Even though Bank of America admits they made the unauthorized withdrawal, which as far as I am concerned is a fraudulent transaction, their process to return the money to my account can take up to 72 business hours. January 18th is a banking holiday, so I'm looking at first seeing my money sometime around the 20th. That translates to 12 days of my bank account being wiped out as a result of Bank of America's "error". Reimbursement of the NSF fees can take up to 4-6 weeks. What is even more revolting is when I went to my bank to see what they could do and the bank manager said she sees this type of thing all the time with Bank of America. Is Bank of America running a scam and processing fraudulent transactions so they can make interest money off of their customers money?

Fia Card Services has fail to resolve my dispute
in a Timely manner. I had a Scammer/Fraud change.
I called to inform them and they sent me the forms.
I filled the forms out and returned. A week Later they send More forms. I again filled out the forms. A week
Later they sent me more forms. For Third time i sent
in forms and i continue to wait for them to resolve my dispute. When i call i get excuses and nonsense form these people. Please dont do business with this company and wish me good luck in my situation.

Two months go Bank of America took $270 in overdraft fees when I was showing a positive balance. When I called them on this they reluctantly refunded the fees and informed me that 2 more were inbound that morning which a supervisor had to intercept. Last month when I was hit with three more fees I wasn't as lucky. I was overdrawn by $15 and deposited the money the next day. But I was too late. Because the deposit was made on a Saturday it didn't count. My purchases were made on a Thursday and Friday. 3 of them in the neighborhood of about $20 and a 4th for around $60. By keeping transactions in the "pending" purgatory they can clear the in any way they choose. The $60 transaction was cleared first (even though it was the last) so that the other three wouldn't clear and they got 3 overdraft fees instead of one.

I told Customer Service to remove the Overdraft Protection from my account. That if there wasn't enough money in my account when I used my debit card then just decline the transaction. Things were fine until about a week after Christmas. What they did (and are still doing) is such a convoluted mess that I have no idea how to sort it out. On three different days I transferred money from my savings to checking to cover purchases I was going to make. Two or three days after I made the 3rd transfer all 3 disappeared and were replaced by something called a "Misc. Adjustment" with that day's date, effectively taking away the funds I put there so that my purchases hadn't been covered and costing me a slew of overdraft charges. The strangest thing yet is that everyday, transactions would be rearranged from the day before and costing me even more in overdraft fees.

To date they are showing that I am over $1500 overdrawn with the lion's share of this being their overdraft fees. The way everything has been rearranged in their records doesn't even come close to the true dates, and it seems to change everyday! . I also have a deposit of $250 that's completely vanished. And you what? I don't know what to do about this.

SHORT SALE NIGHTMARE...

21 LONG MONTHS ( TWENTY ONE MONTHS )

I HAVE LOGGED IN AS OF TODAY 320 PHONE CALLS

HOW LONG DOES A SHORT SALE TAKE ?

HERE'S SOME NAMES OF NEGOTIATORS AND THEIR MANAGERS THAT I HAVE DEALT WITH. ( soooo far )

JAMES GILL

PATRICIA ANGEL

MARK ZIKRY

ANTHONY MARTINEZ

JOHN CARNAHAN

CRYSTAL POELKING

ROCIO VALENZUELA

CHARLES WILLIAMS

LOU ESTRADA

DAVIN BANKS

LESLIE HILL

JOEL DAVIDSON

DONALD HUGHES

KATIE TAYLOR

MELISSA RAMEREZ

RHONDA BURKETT

MARICELA VIRAMONTES

THIS IN MY OPINION ...IS ABSOLUTELY PATHETIC !

DOES ANYONE FROM THIS COMPANY CARE ?

I WOULD LOVE TO FIND OUT ... TO WHOM ARE THE BANKS ARE ACCOUNTABLE ?

( any comments appreciated to : [protected]@AOL.COM )

My account was transferred to Bank of America in August after the mortgage company I was with, Taylor, Beand & Whitaker, got into trouble. This occurred ater my mortgage payment was made to and cleared my account by TB&W. Ever since Bank of America has had my home loan I have received phone calls and lstaqtements saying my account is a month behind. All of this is due to the fact they did not receive my August payment which, once again, cleared through TB&W. I have send them copies of cancelled checks and bank statements TWICE and I am still getting sttemenst and phone calls saying I'm a month behind. They have put this on my credit report and with this blemish no one wants to refinance my mortgage. If you are contacted by them about a home loans, RUN as fast as you can in the opposite direction.

Our account was placed on hold, which we discovered on a saturday morning only because our card was denied at a restaurant. After 45min on hold with customer service representative, we got no help. They didn't know why it was on hold and it looked like we still had all our money in our account (even though the automated information we heard first was that we were 800$ overdrawn). So we got told to call Risk Management. After being first disonnected with first representative, and sent to a voicemail that was defunct (after being told she was going to help me) by a second representative. I called Risk Management a third time. This representative was nice, but not anymore helpful than anyone else. He could not tell us why our account was on hold, only who did it. And that she, that one of THOUSANDS of employees at Bank of America, was the ONLY person who could take that hold off. And she was not back at work until Monday! I was also told that there was noone else who could help me. That there were no managers there all weekend, and supervisor was going to tell me the same thing! Basically I was being told that there was absolutely nothing that they could do for the next 48hours. We were being penalized, being completely cut off from all of OUR funds, our money, our account, for 48hours, with no explanation, for NO reason! This is so ridiculous, so unnacceptable I was practically in tears by the time I got off the phone 2 hours later.

I had a house fire going on 4 months. The first check the bank wrote it was in mine and ex. Ex refused to help get check cashed. Called bank they told me the paper work to send to get it in my name. Going on 3 months every time I call I get a different story. I''ve talked to supervisors and managers. No one wants to help. My insurance company sent them my money. Bank of America has my money and is refusing to give it to me. I have two daughters, no kitchen and fire damange through the house. HELP.

I refinanced my mortgage through Bank of America. Both my first mortgage and my refinanced mortgage were both through B of A. They picked the title company Nat'l Real Estate info services to help in my closing. My sole responsibily was to pay closing cost to B of A, the title company and the taxes which were paid in my settlement statement. The bank and its title company informed me after closing that my first loan wasn't completely paid off. Why they both got me involved when I paid good money to have the title company take care of this refinancing. Furthermore B of A sent me a escrow overage check which just bounced in my B of A checking account. As I'm typing this complaint I'm waiting for customer service in the B of A payoff dept. "I'm sorry your call is very important to us please remain on the line until the next customer DISSERVICE officer can FRUSTRATE you!

This banks steals hard earn money. ie I had 175.00 and some change in my account, there was 3 little pending charges leaving 145.00 and some change, that night the 3 little charges should have cleared but a check for 165.00 came in so Bank of America choose to pay the check first causing 3 NFS charges instead of 1 NFS charge.
Just read that there was a class action lawsuit regarding this kind of stuff with Bank of America. but it ended back in May of 2009 but obviously it hasn't stopped them. There still robbing there customers.

I have also been reading on Bank of America complaint this happens quite a bit. Same thing with me not knowing where to turn to get this kind of business stopped.

Can you do anything about

I won't go on here about my problems with this screwball of a scam job bank called bank of america as it appears it is not new news what complete liars and shiesters this company is and how they have not only ripped off the taxpayers in borrowed tax money, but they have no problem turning around and doing it on an individual basis directly.
do NOT trust a single word they tell you if you are late and behind on your mortgage and/or credit cards and you make solid payment arrangements with them to get current again. They will turn around and stab you in the back when you go in to make your scheduled payment on time and tell you that your payment arrangement was never really "official" to begin with and we are very sorry your home has now gone into foreclosure (even after accepting prior payments in agreement to the scheduled payment arrangements).. BUT(this is the real kicker), they tell you, the good news is we can reinstate your mortgage for a fee - we won't tell you what that is right now - you simply must reach our office in 5 days max to find out what your "fee" will be once we decide.

I rue the day I ever ever got a mortgage through these sleaze balls... and I hope they end up doing themselves in!
spread the word as far as you can to STAY AWAY, RUN THE OTHER DIRECTION AS FAST AS YOU CAN -
FROM BANK OF AMERICA!

See if you can understand this...We are adopting a child and one of the many things we need is a letter on letterhead from our bank simply stating that our accounts are in "good standing", signed and notorized. That's it! They said that they CAN"T do that. They told me that they can not give me anything on letterhead? We have been banking there for 15 or more years, they hold our mortgage AND just lent us $50, 000.00 to adopt but they can't give us a letter that simple. They give their employees $8, 000. to help with the cost of adoption, they have adoption loans to help with the cost of adoption but they can't give a bank customer a letter stating that their accounts are in good standing. I guess I need to switch banks!

One, Kristian Reid, of Countrywide Timeshare Sales, contacted me in February 2008, advising of a buyer for my Mystic Dunes timeshare located in Kissimmee, Fl. A sale price of $38, 482 was quoted and I was asked to pay an advertising fee of $1, 350. My visa account was charged on February 29, 2008.

After I signed off the agreement form dated March 11, 2008, I never once received any feedback nor contact from this company concerning the sale of my timeshare. Even though they gave me a username and password to view my ad, I was never able to access it.

I would like to get some recourse from these people. They have scammed me of my hardearned money and they should be held accountable.