Bank of America

In November 2019 I purchase my practice and got a loan from Bank of America, based on my loan agent's recommendation I acquired merchant services from same bank, on introducing their services to us the bank rep Daniel O'Flaherty on recorded line on conference call with my wife (Dr. Ely Hasany) informed us that their merchant device to be used for the transactions would be a refurbished machine by brand name of Clover with onetime fee of $195.00. Which we agreed to pay. Later he sent us an electronic contract (170 pages) to be signed, due to trust we put in the reps word we purchased the machine. In January I received my first statement and I was charged $256.33 and also fees were way higher than original coated, I contacted Mr. Flaherty to complain but he never replied. I found another rep, Jessy Bishop, she said she will review the case. After a while I got an email from Ms. Bishop that she acknowledged that we were misguided and changed our rates from 0.42% to 0.31% but did not answer my question regarding the machine. In February I got another statement billing me again for $256.33. I reached out to Ms. Bishop she sent an email to me that based on contract I have agreed to pay 3 instalments of $256.33, I tried to protest it but she never returned mu emails or phone calls after a week I got tiered and called their department again another rep, Jill, answered and I explained everything she said she will look into it. After couple of hours she called and said that there is nothing she can do despite a recording of our conversation and my wife being witness on the conversation we cannot even return the machine and cut our losses.
Here are the facts:
1. I was misguided by a rep and bank does not acknowledge it
2. Several of their competitors offer you the same even cheaper services with a free machine you just have to contract them.
3. The exact same machine (new not refurbished) is sold on Amazon for around $280.
I know I signed a contract but while you are in the middle of opening a new business you have to trust a rep from a known bank not to deceive you like this, if I knew if I had to pay almost $1000.00 for something that I could get it for free, I would have never purchased this machine. Also now that I know they have cheated me I requested to return the machine and cut my losses but bank advised that regardless what I was told I have to return the machine.
Therefore I am filling a grievance against Bank of America Merchant Services department for A) false advertisement and information B) bait and switch technique C) price gauging.

Sincerely
Dr. Nima Aleagha

Carol L Smith
867 11th Ave
Fox Island, WA 98333
[protected]
[protected]@hotmail.com

Bank of America
PO Box 982237
El Paso, TX 79998-2234

Claim Number 8369
Credit Card Number Ending 8223

February 10, 2020

I am writing to document the sequence of events leading to the current disputed or fraud charges in the amount of $323.65 with Bank of America.

8/09/2019 - Notified by Bank of America that my card might have been part of a compromise. Credit
card ending in 8223 was closed and a new card issued ending in 5595.

8/21/2019 - I noticed my card had been charged $323.65. I called Bank of America and charge was
removed.

8/23/2019 - Box containing merchandise was delivered to my address. I sent an email to NEMO
and told them I did not order merchandise and if they would pay shipping I would
return the merchandise.

9/30/2019 - Nemo received merchandise. This can be verified by speaking to Charles at Customer
Service on 800-997-9301. He stated the name on the bank card was Patricia Haley in Chico,
CA. and the credit card ended with 1633. My card ended with 8223.

If Bank of America is disallowing this claim based on the vendor telling you I had the merchandise then I am asking you to get in touch with Charles at NEMO again because he will verify they had the merchandise returned from me. I have a FED EX shipping ticket which will prove the merchandise was returned to NEMO in Dover, NH on 9/30/2019 at 11:26 AM. I also have an email from NEMO to me
confirming they had the merchandise.

In addition, I am attaching all pertinent letters from Bank of America. It appears they plan to do nothing because they are not willing to make a second call to NEMO which would confirm they had received the returned merchandise.

Thank you,
Carol L. Smith

I am a retiree residing abroad and have just been robbed by Bank of America. I've been a BOA customer for the past 35 years and have never over drafted my account balance nor encountered a late or missed credit card payment.
Two years ago I decided to open an account with another institution and have since encountered problems with BOA. During this past month I attempted an e-deposit from my BOA checking account to my account with the other institution only to have it rejected. The reason given was my BOA account was locked. BOA does not have a two-way messaging service and with no BOA branches locally, I must rely upon written or telecommunications.
When calling I was informed they could not discuss the problem with me but must talk instead with my wife who is the Secondary Account Holder. I explained she was temporarily unavailable and was given a reference and telephone number for her to call. Upon making contact she was informed they couldn't help and for her to call BOA Customer Service. I decided it best that I close the account and have written a letter dated January 29, 2020, requesting they do so. Mail at this location is once weekly and will be included in this week's mail pouch.
My account balance as of January 27, 2020, is substantial however this morning, February 4, 2020, I received a banking alert email that my account had dropped below $25.00. When checking my account I found it is no longer listed although my BAO credit card accounts are.
Where did my money go? Have I been robbed?

I recently called and spoke with Patrick Sheridan regarding rates for a refinance loan. I have been a customer with BOA for 17 years and wanted to place my mortgage there also. I told Patrick I was checking with one other lender and he seemed fine. During our conversation, he was rather condescending and would get upset when I asked a question. When I decided to go with the other lender, I got a pretty snarky email from Patrick saying: "Thanks for wasting my time". This just solidified why I went with another lender. Just thought you should know this as I really did want to place my loan with BOA.

Sheridan Patrick A
Tue, Jan 28, 11:49 AM (19 hours ago)
Hi Mrs. Buffington, Just following up to see if you want to proceed. The bank gives me a limited amount of time to get your documents collected and in the file

Nancy Buffington
Tue, Jan 28, 12:11 PM (19 hours ago)
Hi Patrick, I sent you a text earlier this morning. I have decided to go with another lender. Thank you for your time.Nancy Buffington

Sheridan, Patrick A
Tue, Jan 28, 1:06 PM (18 hours ago)
I am not able to receive texts on my work cell phone. Thank you for wasting my time

Nancy Buffington
7:37 AM (1 minute ago)
to Patrick
Patrick,
Your snarky comment in you last email just solidified why I went with another lender.
When we previously spoke (and see my previously email, ) I told you I was checking with another lender. During our conversation you also were pretty condescending, and when the other lender matched your rate, there was no question, who I would use.
Having been a customer with BOA for 17 years, it was my intention to place my loan with BOA. However, "apples to apples", the deciding factor was being treated with respect and not being talked down to. You may want to think about that for your future business.
Nancy Buffington
Reply
Forward

BOA closed my account and gave only 21 days to act. I got the letter which had Jan 21, 2020 on it so 6 days have passed. They won't say why. They should give more time to act. At least 90 days.
The decision is final and cannot be negotiated!
People should worry that this could happen to them with very little notice and only if you are lucky to realize it on time. No online alerts at all.
My account was opened 30 years ago with Fleet which is now BOA.
Too bad for them, I just setup my paycheck to auto deposit with them. I will tell all my kids to close their accounts too.

November 2018 Bank of America repossessed my car they hire a company to do it after I went and got my car back from the repossession company I noticed there was some stuff missing out of my car I called Bank of America in file a complaint he's being a year and they always give me the runaround please give me a number that I need to call to file a claim supposed to I did it in the beginning and I did it through the whole year and that person never calls back u.s. can reach me on my email [protected]@gmail.com

I am having $166 a month taken out of my bank account to bank of america for a mortgage that I don't have nor did I agree to any of this... Bank of america gave our mortgage to progressive... And our mortgage was transferred to progressive and we were done with bank of america in 2008 and since then I have filed bankruptcy on my home... I didn't know until now that I am being charged again for a loan I don't have... I want my money back that you have taken out of my bank account... Thank you and you can call me at [protected].

In November of 2019, I received notification that one of my two credit cards with Bank of America would be closed within a few weeks due to inactivity and so I got on the phone and was advised to charge the card for a small purchase to prevent the closure. I've been a BOA card holder since early 2000, 's. I followed the advice given to me and made a few small purchases online for black Friday. On January 16th I tried using my card online for a purchase and it declined. I called BOA and was told that my account was closed because it was "delinquent". I've never had a missed payment, always paid more than my minimum payment, never given them any reason to refer to me or my account activity in a derogatory manner. Three calls later, I was offered no help and declined the opportunity to speak with a manager or supervisor.

Edd bank of america card services is the worst. On november 6 2019 an unauthorized charge went into my account charge was 309.00
Called bank of america's claims department and they told me it takes 10 days to get the funds back. Waited exactly 10 day's funds were back..
In january mind u 2 months later I get a letter that they will be taking the money out of my account because I felt with the merchant in the past. I called them back up advised them again I did not authorize these charges at all they said send in proof that you used another account with them I faxed what they wanted and they removed 309 and i'm still waiting for my money to get put back everything was faxed. On the website it stated any unauthorized charges will go back into account not true this card serices from edd is fraud..
Also they won't let you dispute anything after 120 days so if you are like me and don't look at your statements right away you are just goin to have to let an error be..

Boa agent on the telephone admitted fault of double charging me the credit card payment (failure of website to cancel the 2nd scheduled payment), but charges have yet to be reversed, and fees have been added when I disputed the double billing by my primary bank. The agent (with a very heavy india speech accent) then requested the spelling of my full name, billing address, full ssn, and telephone number (all of which should be on file) in order to refund the second billing. Knowing private personal info will never be asked over the non-secure telephone, I hung up. I contested the billing with my primary bank, which boa added another fee for a returned payment. I have filed complaints with the texas dept of banking, the us federal trade commission, the us treasury dept office of consumer complaints, and the us justice dept consumer financial protection bureau. Boa refused to talk to me, so maybe they can explain themselves with the govt.

Bank Of America did a loan modification and mis handled all the funds. I went to refinance after 10 years and was just told I own today the same amount I bought my home for. I requested a copy of everything, and they have mismanaged the money I paid to them monthly of my mortgage. I Can not even refinance, till I can get an attorney to fix this. I do not have the funds and I'm almost 80 yrs.
I need help.. [protected]@gmail.com

I opened a checking account after receiving a $500 bonus offer from BoA. I funded the account and transferred my directed deposit there. Then 4 days after the account was opened, they closed it and now my paycheck is missing. Customer service on the phone are extremely rude and completely unhelpful. The branch staff are no better. What should I do?!

I'm furious BOA closed my account. I was a preferred member. My account because low temporarily because I was supporting a family member. I was going to get my money back. I told the bam. They sent me an email about my balance on 12/13. They closed my account on 12/23. I've been a client for 14 years. Now. I have to fins another bank. And get my ChexSystem report. This is happened to other people too. I requested to get cash. I don't want a cashier check. I have rent and bills to pay. Horrible bank. They don't ask questions. They just closed my account.

We did a ref. with BOA recently. At first closing, my name was spelled wrong on every pages. The notarization person and us agreed to do a correction and come back again. The closing date is postponed from 12/7 for a later date. On 12/10, a new notarization person came to our house, we found out that in the closing file, I have two version of spelling of my name. The person said it's up to us to sign. In order not to involve any title mistakes, we refused to sign. After my complain to BOA, there are different people called me to reassure the mistake is taking care of and I can go ahead to do a closing. At our 3rd closing, I found on a few pages, my name is still wrong. With the suggestion for the notarization personal suggested to cross the wrong name and initialed my true name underneath.
So far, send email to the bank and no reply at all.

My husband and I hold joint accounts at Bank of America. One account I have had since 1974. (my husband and I did not marry until 2006). Once I married, I made this a joint account. Bank of America now list my husband as "Primary Owner". There is no primary owner, it is a joint account. BofA refused to change it.
When we went to establish beneficiaries on our accounts, BofA refused to set up the percentages we wanted for distribution. Stating they all had to be equal. So we had to go and get our trust and change the beneficiary to the Trust. BofA REFUSED to set up the accounts as we requested.
We asked to have our safety deposit box put in the name of our Trust. To that, BofA INSISTED on listing one person as primary owner. IT IS A JOINT TRUST.

Unless BofA fixes this, we will be moving all of accounts to another financial institution. JOINT accounts have TWO people as PRIMARY. not one as primary and one as secondary.
Need resolution.

On November 18, 2019, I made a purchase online from Kmart /Sears. I ordered 2 pairs of shoes and a Christmas t-shirt size xxl.. using their size chart. I usually wear an xl.m so I ordered an XXL. The shoes arrived timely.. then after many weeks I sent many emails asking where the t-shirt was .. I get a tracking number saying it is shipping from China! I did not order from china!  I tried tracking it, .. it came back invalid tracking number! also got a foreign transaction fee!   Total.. $16.50 for the t-shirt and $1.48 fee...I have contacted this merchant through email and phone over 15 times before I filed a dispute with Bank of America.. and each time I am told they are looking into this, Now for the past week, , not one word back from them on the emails I keep sending. The t-shirt finally arrived.. it is tiny! I would say in American size..  it is a medium ( I wear an xl and ordered an xxl ) I contacted then immediately.. for a refund.. they asked me to send a pic of their t-shirt on top of one of my own.  I did this and sent them the pic. They said I should have used their size chart! I DID! ...  I wear an xl.. after seeing their size chart I ordered an XXL. I got an email we are looking into this.. that is all I have ever gotten, I filed the dispute with Bank of America.. they had me jump thru hoops sending so many pics and documents.. and I am still waiting and out the money. Did I return the t-shirt? NO!  Where too? There has been no communication from this company to be able to do ANYTHING!  I have tried. This is a fraud and a rip-off... I spoke to K-Mart they told me I had to deal directly with the merchant! I am upset. Never have I had Bank of America treat me like this over such a small amount of money. I used my credit card cause I felt safe that if anything goes wrong! Bank of America will stand behind me! Wrong! I would like a resolution to this quickly. We are going out of the country on Dec. 15th, 2019 and will not return until Jan 3rd, 2020 Thank you