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100 N Tryon St.
Charlotte, New York
United States - 28255
Mon8:00 AM - 11:00 PM
Tue8:00 AM - 11:00 PM
Wed8:00 AM - 11:00 PM
Thu8:00 AM - 11:00 PM
Fri8:00 AM - 11:00 PM
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Sun8:00 AM - 8:00 PM

Complaints & Reviews

I will never do business with them

I applied for a mortgage almost 3 months ago and was locked at 4-3/4% and then when rates jumped recently I received a form letter stating sorry we can't refinance you under this plan! I am amazed at how poor their responses have been. They are the lamest company I have ever dealt with. I will NEVER do business with them and I have done over 7 mortgages with them before!

  • Th
    Thanayuth Panuraj Aug 24, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Dear Sir,
    this is the true or fake from Bank of America, please give me
    comment. this person & bank coming to me with American
    Thanayuth Panuraj. Mobile: 66858338668

    From: [email protected]
    Date: 9/15/2009 12:35:16 PM
    To: Thanayuth Panuraj
    Subject: Re: Brent Russell Bank Of America

    Re; Thanayuth Panuraj

    see attached form from the west Africa central bank, fill it and send through our
    embassy in Africa to the central bank for processing of your application,
    Please do understand that we are not saying you should send us money,

    the application fees is the requirement of the bank and must be followed,
    We adviced you to use our embassy because they can do a proper verification for you
    thanks for your patience and comprehension
    Brent Russell

    On Tue 15/09/09 04:13, "Thanayuth Panuraj" [email protected] wrote:
    > Thanayuth Panuraj Mobile: 668-58338668
    > Insurance Agent and Broker Service Office
    > Email: [email protected] or [email protected]
    > ATTN: Brent Russell
    > Bank of America
    > Texas
    > Dear Sir,
    > Thanks for you information that I also focus at the need, and see
    > that it is
    > :
    > "Fill the application form and send the us$800 to our co operate
    > affairs
    > officier
    > In our embassy in Cote D°ivoire"
    > Thanks, if I got that $800, I will keep it for the Golf match play,
    > That
    > will not lost
    > To any nonsenses in Africa again, from the former lost too much
    > during many
    > years
    > Concerning, as the victims of the scam in this region.
    > But I got very excite when I can see that you are the Bank of
    > America hign
    > ranking.
    > I would like to consult with you about the other case, please help.
    > I got the $1000bill (bank note) of some US$millions and you cannot
    > that it
    > is not easy
    > To spend in the African. I need help if you can arrange the change
    > for me.
    > This is the fund from my boy, refugees who get from his parent, and
    > need to
    > come to
    > Spend his new life in my country.
    > I still don't know how to help him. (see attachment).
    > One more,
    > I have some fund from UN that aiming to transfer to me, but need
    > money from
    > me first.
    > And I was fixed by my company, not to send money to the bank or any
    > banker,
    > who keep fund to
    > Send it to me but need to get the poor fee from me, that is too
    > obvious,
    > and I want to make
    > Donation to the UNICEF. I hope you can help pay some fee, and get
    > that fund
    > for the
    > Poor, the hungers, orphanage, children, Hiv/Aids, terrorist suffered
    > and all
    > people who facing
    > Life problem.
    > See the ICB Bank of Ghana case as attachment.
    > Sorry for the need of $800, I cannot do it.
    > Regards,
    > Thanayuth Panuraj Mobile: 668-58338668
    > Insurance Agent and Broker Service Office
    > email: [email protected] or [email protected]
    > Business Loan Broker & Services Co., Ltd.
    > Agro-Tech Commercial Co., Ltd.
    > Lanta-Liki Golf Resort We understand that you are
    > worried about investing money in businesses that have to do with
    > Africans in
    > view
    > of the current global scam on the internet; this is why we are
    > providing you
    > the
    > serivces of our embassy in Cote D°ivoire to asist you and represent
    > you and
    > ensure that you do not send your money to Africans who will tell one
    > thing
    > today
    > and do another tommorrow,
    > Therefore you must understand that we monitor all transactions
    > originating
    > from
    > Africa from our Embassy there,
    > Fill the application form and send the us$800 to our co operate
    > affairs
    > officier
    > in our embassy in Cote D°ivoire
    > you should send the application fees to
    > TEL:+225 04258808
    > Email: [email protected]
    > We assure you that we shall represent you fully and make sure your
    > application is
    > fully processed and your card account delivered to you in Thailand
    > Brent Russell
    > Bank of America
    > texas
    > On Mon 14/09/09 23:40, [email protected] wrote:
    > > FROM : Bank manager Mr. Nghoran Felix
    > > Email [email protected]
    > > Website www.ubagroup.com [3] [1] [1]
    > > Tell +225 445 77 444
    > >
    > >
    > >
    > > We received your prayers and we have commenced the processing of
    > > your request;
    > > be informed that we have submitted your information to our
    > > corresponding bank in USA
    > >
    > > the bank of America Texas
    > > tel: +1 214 469 9978
    > > Email: [email protected]
    > >
    > > contact person: Brent Russell
    > > Manager foreign operations
    > >
    > > Attached to this email is a visa card account form from the
    > central
    > > bank of west
    > > africa
    > > www.bceao.int [4] [2]
    > > Email: [email protected]
    > > contact : Bapu Paul
    > > Tel: 00225 09123892
    > >
    > > fill the form and submitt with us$800
    > >
    > > You are not required to pay other unneccesary fees after this
    > > payment.
    > > The bank of America will call you to explain the methods and how
    > > this works since
    > > this card is going to be issued by them
    > >
    > > wait for their call today
    > >
    > > Micheal Konan
    > > Ubagroup ci
    > > (111.5 Kb) attached
    > > (511.6 Kb) attached
    > >
    > > ----- Original Message -----
    > > From: "Thanayuth Panuraj" [email protected]
    > > To: [email protected]
    > > Sent: Fri 11/09/09 03:42
    > > Subject: Fwd: Visa card account from visa card Inc in America and
    > > send by dhl.
    > >
    > > (111.5 Kb) attached
    > > (511.6 Kb) attached
    > >
    > > Thanayuth Panuraj Mobile: 668-58338668
    > >
    > > Insurance Agent and Broker Service Office
    > >
    > > Email: [email protected] or [email protected]
    > >
    > > Ref: To move the fund of $8, 000, 000.00 millions united states
    > > dollars.
    > >
    > > ATTN: Bank manager Mr. Nghoran Felix
    > >
    > > Email [email protected]
    > >
    > > Website www.ubagroup.com [5] [3]
    > >
    > > Tell +225 445 77 444
    > >
    > >
    > > Dear Sir,
    > >
    > > In accordance with the need of my little girl, Miss Ramauou
    > Abbass,
    > >
    > > Who need me as the beneficiary, and to move her fund of
    > > $8, 000, 000.00
    > > millions united states dollars
    > >
    > > To me in Bangkok, Thailand.
    > >
    > > And to help her the future Education in the International School
    > in
    > > Thailand
    > >
    > > I have contacted with the International School in Pattaya and
    > > Huahin, the
    > > best
    > >
    > > Tourist spot location for her.
    > >
    > > I will take care of her fund to invest in some various projects
    > that
    > > I have
    > > already sent
    > >
    > > Her the Letter of Business Joint-Venture, as attachment.
    > >
    > > This way of helping seems no problem at all, if you can provide
    > the
    > > deduction of fee and
    > >
    > > Charge for all need of your banking process. That I would like to
    > > hear from
    > > you and get the advise.
    > >
    > > But if your bank have to do the progress of this mission by let me
    > > pay a
    > > dollar, it seems
    > >
    > > Impossible at all. It is due to I was stopped by my company, not
    > to
    > > pay or
    > > send a dollar
    > >
    > > To any project in African again. I have completed lost to this
    > > region upto
    > > US$millions already.
    > >
    > > Especially lost to Abidjan, Ivory Coast about $250, 000 in the case
    > > to help
    > > the girl name Sandra Williams.
    > >
    > > So I will not Able to let my partner in my country to get big
    > shock
    > > again,
    > > and they all protect me from
    > >
    > > Lost again by making completely stopped my sending money process.
    > >
    > > I have inform the girl, Miss Ramatou Abbas, to understand about my
    > > situation
    > > already,
    > >
    > > And If to work with me is impossible, I will happy to let her
    > choose
    > > the
    > > other beneficiary
    > >
    > > The she can trust. I am doing making Merit and Charity, to help
    > > people by
    > > Making Donation,
    > >
    > > But now, the company budget coming to bad short, unable to pay any
    > > for
    > > donation again.
    > >
    > > What I give the Idea to the girl, just let her try to get some
    > money
    > > in hand
    > > enough for the
    > >
    > > Coming expenses first, ready to pay it by herself, not lean on me.
    > > That is
    > > to Need your help.
    > >
    > > Such DHL fee, if your Banking approved to release the ATM already.
    > >
    > > You should get deduction of all fee and charge for the DHL or
    > Fedex
    > > or UPS
    > > to be complete
    > >
    > > Before sending to me.
    > >
    > > I don't want to concern with the fake of Fedex, UPs or DHL who
    > their
    > > are
    > > used by the scammers
    > >
    > > In Africa region, to suck from me much money already.
    > >
    > > Private Notice : I got the fund going to send me my DHL from
    > > Abidjan, but
    > > let me pay about $250.
    > >
    > > I also refused to pay it, and cancelled it. I cannot trust them
    > > again. My
    > > lost to the Fedex, Ups and
    > >
    > > Dhl in Nigeria, Ghana are too much already.
    > >
    > > 1. Name: Mr. Thanayuth Panuraj Mobile : 668-58338668
    > >
    > > 2. Office address: 46/64 M.Thanawan, Phaholyothin52, Saimai
    > > District,
    > > Bangkok 10220
    > >
    > > Country : Thailand.
    > >
    > > Email: [email protected], or [email protected]
    > >
    > > Nationality : Thai
    > >
    > > 5. Date of birth : May 24th, 1942 (Age : 67)
    > >
    > > 6. Occupation : BUSINESS LOAN BROKER ]
    > > 7. Tel.No. : Mobile: 668-58338668 Office: 662-9738965 Fax:
    > > 662-5217223
    > >
    > > 8. Passport No. I 704662 issue on 18th July 2007
    > >
    > > 9. Marital Satatus : Married
    > >
    > > 10. Education : Bachelor degree, University of Thai Chamber of
    > > commerce
    > >
    > > 11. Next of kin : Miss Wichita Panuraj and Mrs. Chantacha
    > > Phuangyeewa.
    > >
    > > Siam Commercial Bank, 230 Rachada2 Branch, Bangkok 10310, Thailand
    > >
    > > Swift Code : SICOTHBK
    > >
    > > Saving Account No.075-2-14792-0
    > >
    > > Link with Current Account No. 075-3-01390-4
    > >
    > > Phone No. 662-692-5200, 662-274-0724, 662-274-0729
    > >
    > > Fax. 662-274-0761
    > >
    > > Yours faithfully,
    > >
    > >  
    > >
    > > Thanayuth Panuraj Mobile: 668-58338668
    > >
    > > Insurance Agent and Broker Service Office
    > >
    > > email: [email protected] or [email protected]
    > >
    > >
    > > Business Loan Broker ]
    > > Agro-Tech Commercial Co., Ltd.
    > >
    > > Lanta-Liki Golf Resort ]
    > > http://www.flixster.com/user/tpanuraj?refreshTalk=true [6] [4]
    > >
    > > http://www.military.com/profile/member-profile.html [7] [5]
    > >

    0 Votes

transfer of funds

I have been on the phone everyday to Bank of America, Asking for a transfer of funds into my partners N.Z Account the did process it but then owed me a reparation. So they retracted the money so that they could process the reparation amount. It has been 9 Weeks since trying to get my money but still no luck and a patience left ages ago.

  • Kh
    khedaren Sep 29, 2009

    I have made transfer of funds from Bank of america to HSBC on the 9 September 2009. It been 3 weeks and bank of america cannot inform me of teh whereabout of my funds. I have been on the phone at least 20 times with different departments and I keep getting confilcting answers. All I ask for is confirmation dates and numbers of where the fund are?

    0 Votes

your npv test results

Denied For HAMP Because You Failed NPV Calculations – What is NPV Test?

By: Anna Cuevas; The Loan Mod Guru

Where you told that you were denied for the HAMP Loan Modification because you failed the NPV calculator and you are wondering what that means?

If the borrower is not approved for a HAMP modification because the transaction failed the NPV calculations, then the servicer must, explain what the NPV means tell you the factors used to make the NPV decision and advise you that you may request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates. The reason they have to provide this information to you is to give you the opportunity to make any necessary corrections to the values they used as they make or break your ability to be considered eligible for the Home Affordable Modification Program.

You or your authorized representative, can request the specific NPV values verbally or by writing to the servicer within 30 calendar days from the notice date and they must answer your request within 10 days.
If you request the NPV values and you have a foreclosure sale pending the servicer must not complete the foreclosure sale until 30 days after they deliver those values to you to give you time to correct the inaccurate values. If there are any.

Kathy Bateman
Los Angeles County

poor customer service

Bank of america keeps sending me unsolicited blank checks! They arrive every 3 weeks or so. I have asked them on the phone to stop sending them, but they keep coming! As a result, I have canceled my account in writing. Bank of america needs to be more receptive to the needs of its customers.

Abusive business practices

My brother attempted to refi an existing ARM as a Fixed Rate mortgage through Countrywide. He was told that they could only help him if he was behind in his payments, which he had not been. Per their instructions he naively let himself fall behind. He was then asked to submit the necessary documents and was then told that he would be contacted and not to call them. The next thing that he heard after having pestered them for an answer was that his house would be sold out from under him at a Sheriff's sale. He lost the house and was given 6 months to get out or he would be evicted. My brother was too proud or embarrassed to ask for help and he knew absolutely nothing about such matters. He panicked, went into a deep depression and on 12/16/08 he shot himself in the mouth with a shotgun, two days before the eviction hearing. This was a man with no credit card debt or any other problems in his life. I have since heard from several other people who were told the exact same thing from Countrywide. Does anyone here have a similar story? I am considering joining or starting a class action lawsuit. I look forward to your replies. Thanks in advance.

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home refinance

My wife and I have excellent credit. Because of the low current rates we found we could go from 11years to 10 years on a mortgage saving us about 38, 000 dollars.
We began this process on Oct. 27th. Hardly ever a word. We occasionally receive an email asking for another current pay stub, or a misc. form. A promise saying that "it should be closing soon".
It is now March 1st and this is just nonsense that it would take a mortgage company this long to do a refi.
After reading so many other complaints, I don't think I want to trust Bank of America to service a loan that they are unable to complete.

  • Bi
    bigolfascist May 26, 2010

    In June 2009, My wife and I were interested in the Making Homes Affordable Program offered by BOA---who took over our mortgage from Countrywide, Inc.  We contacted the BOA office in (because:"We're here to help you."), and got the run around on that program, essentially a loan modification program, but were told that we would have to apply for the Special Forbearance Program first. 

    I am a full-time caretaker for my wife, whose health has deteriorated, and medical bills just kept getting higher, even though we have one of those "Cadillac" health insurance programs.  we also had had major expenses on HVAC failure, so things were about to implode.  we had to do something.

    We began the process, provided the required paperwork, and waited to hear further contact.  The representative had our home phone, FAX, and cell phone numbers.  At the end of the month, we had to travel out of state for a few days.  When we returned, we had three messages from BOA (two on the home phone and one on the FAX/answeering machine) asking for more information.  I called back, and was told that we were dropped for failure to respond to requests for further information!  I never got any calls on the cell!

    We decided to try it again, and this time we were accepted into the forbearance program.  We were leery to say the least, since the program allows one to "miss" three payments to provide some financial relief---but then one has to pay back those three months of missed payments in a lump sum, not roll the missed payments into the loan, so we were told.  It made no sense, but we did enter the program, hoping to get approved eventually for the Making Homes Affordable Program.

    We still made the payments (and on time) under the forbearance program because something just did not add up.  I did some researching  online and found too many horror stories about special forbearance options and how mortgage payments actually increased, and people were forced into quick sales.  Glad I did that.

    In November 2009, we received notification that we were approved for the Making Homes Affordable Program----a big $75.00 reduction of our $2000/month mortgage payment!  I was told that the reduction amount could be more after our case was fully reviewed.  We began a four month trial period with a reduced payment.  The trial period ran from November 2009 through February 2010.

    In January 2010, we received a FEDEX package requesting more documentation (Well, the same documentation I had already sent at the beginning).  I provided it, and called to insure that it had been received.  I received confirmation that it had been received and that everything was current and up to date, in fact the package was in underwriting.

    After making the final trial payment in February 2010, I called to inquire as to the next step.  I was told that everything was in order, all the paperwork was there, and underwriting had the package.  It would take 60 days to finalize, verify occupancy, etc. At that time, i was told to continue making the reduced mortgage payment (Remember, a $75.00 reduction!).  I did continue making the payments and on time.

    On 1 March 2010, we verified the status of the package, again.  We were told that the package was complete as of 26 February 2010.  But then, for some reason, we were directed through three other offices, and told that the package was complete, but was "in processing".  To what degree of "in processing" we could not get an answer.  In other words, the right hand did not know what the left was doing.

    At the end of March 2010 we received another package.  It was the same type of welcome package I had received back in November 2009.  Essentially, I was beginning the process all over again!  I had to resubmit everything!  I called, questioned why I was being asked to start the process all over, and was told that it probably was a duplicate copy, but to send in the information anyway.  Yes, my package was still in processing.  I sent everything again, even more than was required.  The package was received by BOA on 21 April 2010; I tracked the package.  It was due NLT 24 April 2010. 

    I called to check on the status on 24 April 2010, and was told that it had been received, was complete, and was being processed.  I was instructed to keep paying the reduced mortgage payment amount.

    On May 23, 2010, we received a FEDEX letter from BOA stating that we were not eligible for the Making Homes Affordable Program.  The reason: "Your loan is not eligible for the Making Homes Affordable Program because you did not provide us with the documents we requested.  A notice which listed the specific documents we needed and the time frame required to provide them was sent to you more than 30 days ago.  We may also have sent you additional notices about missing or incomplete documents."

    Obviously, they don't have their act together.  There never was a main point of contact for my loan modification, and I always received the excuse, that so many modifications are being processed that sometimes items get lost or sent to the wrong office.

    I certainly hope HUD is more competent in handling my complaint against BOA.

    0 Votes
  • Ba
    Bank of Screwing America Jun 29, 2010

    OMG Sounds like the same CRAP BofA put us through for over a year. Send this document send that document send the same documents a million times so we can tell you we have it and then request you send it again. We were two months behind when they told me in September that my first trial payment was due in December. They told me I could pay earlier but the first trial payment wasn't due until BEFORE December 1st. So I paid before December 1st then I paid January. Right before I could pay the February trial payment they sent me one of their famous fedex packages stating I was not being modified. About 10 days later we got a fedex letter stating we were in foreclosure. I called and they told me they denied the modification February 10th and then put us in Foreclosure on the 17th. ONE WEEK LATER!!! They said none of my trial payments would count and I was now about 7 months late. We were 2 months late then they basically told me what to do...and what THEY told me to do made me 7 months late and ultimately put me in Foreclosure...Me, my wife and my 2 year old, my 3 year old and 10 year old. Way to go Bank of America...or should I say Bank of SCREWING America.

    0 Votes

lies and fraud and worst bank on earth

Over the recent months, I have had several run ins with B/A customer service. When Paypal accidently debited my account and caused overdrafts they would not credit my account. I just got 2 more overdrafts that per posted against pending items. I did not relieze that I was overdrawn and had quickly made a deposit to cover the charges the same day. However, B/A charged me anyway (which according to their reps over the years) was different than what I had been told. Great ... now that overcharge will escalate into a significant sum. B/A has no care whatsoever as to how that impact their customer. I am keeping the account open with a min balance of $10, just to cost them money.

  • Re
    realitycheckgal633 Mar 06, 2010

    I'm not sure about BAnk of America's policy but I'm 80% sure it's similiar at the bank I work for. Most banks' policies use BAnk of AMerica as a model. We will refund the overdraft fees IF the merchant acknowledges their mistake and posts your refund back into your account via your card or through ACH.

    I'd rethink your strategy as far as costing BOA money by leaving $10 in your account. #1: What type of an account do you have with them? If there's a monthly service charge, your defeating your own purpose because you have to maintain a certain balance to avoid the monthly service charge. #2: If you're like me and you were lucky enough to take advantage of their no monthly service charge when you opened their basic account online then you MUST keep the account active. They have the discretion of either charging an inactivity fee if you leave the account dormant. #3: My husband had that idiotic logic too. He wanted to "punish" the credit card companies by not using their card again and forcing them to send paper statements each month. Guess who had to waste time by shredding all the documents? Companies are getting smarter and will find a way to save their costs. The penalty is they raise their fees elsewhere to compensate. Thanks for costing us money, "Likonna".

    2 Votes

obstruction and delays to getting my savings out

On February 13, 2010 I wanted to make an online electronic funds transfer from my BoA Growth Money Market Savings to my home town bank checking account. Although this feature had long been established and was last used in August, 2009, my bank account was no longer shown an an option. I was told by phone that when an account is not used for a long time it gets "locked" but that I could call a specialist to unlock it. As the account earnings had dropped to 1/4% and electronic funds transfers, normally free, now cost $3 with Bank of America, I told them to close my account. Two weeks later I called again and was told it would take another two weeks to "process" the closing of my account. Finally I requested to talk to a superior and got my home town checking account listed again but -- before I could take my money out I would have to wait 2 weeks to receive a little plastic card costing $19.95, on which they could transmit an authorization code which I then have to enter online, to transfer my funds. This is another safety feature, to make my money secure. (If I had a cell phone with text messenging capability, this card would not be necessary.) So this saga of my trying to withdraw my own funds is continuing.

home loans customer service

Have you ever wanted to speak to a live person from BAC Home Loans Servicing, LP (Bank Of America)?

Here is how:

1. Dial [protected].
2. Completely disregard all their menus and prompts. Don't waist time typing/saying your loan number, etc. This is all garbage.
3. Ones the initial message is done playing, start pressing 0 (zero). Don't press it too fast, press - let go - press - let go...
4. You're being transfered to a representative.

Maybe more people know about this than I think. I was told that 0 (zero) is usually the default for a representative. However, their menu never mentions option 0 (zero). It keeps asking you about your loan number, the reason you called, etc. without doing anything with the info you enter.

I really hope this helps someone.

  • Di
    Dimskiy Mar 08, 2010

    EDIT: Now have to enter your loan number. Seems to disconnect you if the loan number is not entered. Otherwise, press zeroes as I said originally.

    -1 Votes
  • Ir
    irate customer May 19, 2010

    Thank you for your postings about the B of A number and the lawsuit...

    This was EXACTLY my experience and it took much internet searching to find a correct phone number to call... They will not give you one in customer service and keep directing you to lines that do not exist...

    Unfortunately, when you do speak to a representative- they all tell you something that differs from the others and cannot help you AT ALL//////////
    I cannot believe they are being paid just to give people the run around and " claim : that they are working on loan modifications and workout programs...

    I am mad as hell... and i am not going to take it anymore... to quote the movie network !

    0 Votes
  • Bu
    buddy012 Dec 08, 2010

    We applied for a loan mod in May of this year and sent in all the paperwork bofa required. We fit into the criteria we owe more then our house is worth my job isn't steady and our house payment is more then 40 percent of our monthly gross income. Well I called weekly for seven months. I always got the run around its in review and then it was in the underwriters hands. I thought it was a timely process, but I felt we were making progress. At one point I was told by a bofa rep that our trial papers were on the way. We had an exact date when they should arrive by. Then came the fed ex letter only to find out we were denied and when I called them to ask why they told me because I was current on my payments, well being current on our payments is a guideline to enter into the program. I was in shock and here is the kicker, before we entered this mod process we paid our taxes and insurance separate, we would charge those so we could have a lower monthly
    payment. Well during the process bofa started an escrow account for us and now that we got denied we are stuck with a higher payment then before $300 a month more than our original monthly payment. How is that going to help us. This is a scam and the program would have helped us now instead we might lose our home!! [email protected]

    0 Votes
  • Jo
    john Dec 09, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Please disregard united law group above. They are no longer representing me, but you can find more information about my lawsuit at piggybankblog.com, which I created for all those who have been abused by Bank of America potentially irregular, fraudulent and simply abusive loan modification program.


    My name is John Wright AND I AM FIGHTING BACK!

    John Wright

    0 Votes
  • Br
    brokenangel88 Apr 11, 2011
    This comment was posted by
    a verified customer
    Verified customer

    I am disgusted by the way ya'll have treated me with my making home affordable modification and that you did not lower my house house payments but are now trying to take my home away from me, but yet you will auction my home off for pennies on the dollar instead of working with us and letting us keep it. this is going to stop because if we have to picket bank of america and do whatever else we can do against bank of america we will. call mrs. mccall 980-233-1579 CEO of bank of america and let her know to stop doing this to people and also Mrs. ebony brown who told me that either i can accept the modification, forclosure, or quick sale. i asked her to review the modification and she told me that i had those 3 choices only. my husband had to go on disability because he went in for surgery and he thought he'd be back to work in 3 months instead the surgery didnt go well and now he's on permanent disability. if president obama would do what he said he was going to do this would not be happining. “I support John Wright vs. BofA Lawsuit!”

    0 Votes

hugh increase in amount of monthly payment

My home loan was with Countrywide until the big
Bank of America take over. What a mistake that has been.
After a couple of months BOA deciced I didn't have enough
money in my escrow account so they increased my monthly payments $200 so I would have reserve in my escrow account. I asked if they were going to pay me interest on that money and they said no. I said then you don't need it. If Countrywide didn't do it how can you
just decided to do this. I have not been late on a payment and make payments every 2 weeks and its all automatic.
Why with so many families unable to pay their morgages
and Real estate values falling, why would a Bank be allowed to increase payments when an account is not even short and tell me well its in case your insurance or taxes increase in the future. Doesn't BOA already make enough money that they should have to pay customers interest on all escrow accounts. BOA has the rudest employees who are anything but helpful or concerned for their customers.

  • Fr
    frustrated soon to be grandma Dec 07, 2010
    This comment was posted by
    a verified customer
    Verified customer

    You are lucky they only raised your morgage $200, they raised mine $900. I started with Countrywide and then been bought out by B of A. They made me impound my taxes and insurance, which I didn't want and then increased my monthly payments. I couldn't afford their raise, so I asked for a loan modification in February and have been fighting them ever since. It is now December and we are still doing the modification plus I couldn't afford the increase of $900/month payments they have put me in foreclosure. And as for rude they are the worst. When they call you with their recorded messages half the time the call gets dropped while your waiting.

    0 Votes

one the worst service experiences in my ifetime

In process of refinancing my mortgage I was told that I was qualify to do so and 3 days later when I called back to start the process I was not able to contact the original person that I talked to and I was told by another person that I was not qualify to refinance and that the person that talked to me "had no idea what she was talking about". I left massages and emailed the original person and never received a call back. I called back and asked to speak to a supervisor and left massages with him (Matt Ellis) he never called back either. When I called back to talk to someone else the person answering the Phone(Edward painter) after few attempts to get someone on line Hung Up on me. This is the kind of bank that destroys other banks reputation. This was one the worst service experiences in my ifetime.

  • Te
    terbear69 Jan 12, 2011
    This comment was posted by
    a verified customer
    Verified customer

    At my work, the majority of peolpe having the exact problem you describe got their mortgage bought by B of A and the "Hell" as you know is a normal practice with them, Welcome to B of A. The truth is they really don't want to give you a modification and they are going to play the scam, "the left arm doesn't know that the right arm already approved you and you're now in default for paying the new agreed lower payment- because now they want the difference back and your house" But it is too late, you are in foreclosure. It sounds soo corrupt, but they do this tooo often to be a mistake. It's more like a basic unethical practice they adopted. Crummy bank, very sorry. Not many people are sucessful, but I truly hope you are awarded one of the allotted "TOKEN" modifications. Every once in a while they let someone slide through, just so they can claim what a wonderful bank they are with consumers.

    0 Votes


Back in April 2009 BOA raised my mortgage by placing an Escrow on my account. They indicated that it was an Escrow for Flood Insurance and Regular Homeowners Insurance. Problem was...the home was NOT in a Flood Zone and this was proven when the loan began back in June 2005. It took 3 months for ME to resolve this as they made me jump through hoops with FEMA. I finally got their required documentation and yet they still are charging me from Jan. 2009 to July 2009 as July is when I got the FEMA paperwork stating I did NOT require flood insurance. Jan. 2009 to July 2009 BOA claims is justified. I say they are ripping me off.
The property is a property I DO NOT live in. I had it on the market from June 2007 to August 2009; then rented it. BOA states that for 4 months in 2008 I did not have regular homeowners insurance on it. They charged me forced insurance at a rate of almost $4500.00 per year. (THAT'S RIGHT $4500.00). They did all this in April 2009...very delayed charge I might add and I argued this. First it was for a mere 4 months that there was no coverage (my error) and second..how can BOA bill me a year later?
Customer service is the WORST I have EVER seen in any business. Many many many phone calls, can't reach the same person 2X, no one has the same information and bonus for me...I actually Pre-Qualified for a mortgage modification early Nov. 2009 (due to the additional Escrow non-won battle), submitted the proper paperwork end of Nov. 2009 only to finally get an answer in late Jan. 2010. They wouldn't give it to me...WHY?...Because some BOA stupid, incompetant employee CHANGED MY EXPENSE AMOUNT WITHOUT MY KNOWLEDGE..and now the home is in PRE-FORECLOSURE.
In a nutshell...BOA is going to end up taking my home for a lousy $5000.00 of which we are disputing.
10 letters sent out this week. A detailed letter regarding the entire ordeal, my situation, my plight, timeline of events/contacts, and of my written expenses (so they can't change the numbers themselves). 10 letters...hoping someone, somewhere will help us. 10 letters...The White House, The Fed. Reservere, The Atty General, CEO of BOA, President of BOA Home Loans, BOA Home Loans, etc...IS THERE ANY HOPE?????
What a ### show BOA is giving to their clients. I have banked with them since 1999 & have paid off 2 previous Mortgages...are they kidding????? I am good for it...but not when you make it out of my reach and NOT even care. DO NOT BANK WITH THEM...Pay attention...they are the single bank that is NOT DOING GOOD BY THEIR GOVERNMENT $$$$. I can't wait till I can give my business elsewhere. My husband and I are hard working, respectable citizens and this has not only potentially cost us a home, but tarnished our reputation along with our credit report/rating.
*****************DON'T BANK WITH BOA...KING OF RIP-OFFS***********************************

  • Th
    thisismepissedoff Oct 12, 2010

    Here is a letter I have been sending my congressman and legislators. We have gotten screwed by Bank of America

    Dear Congressman,
    I am writing you as a very concerned citizen and also someone who has lost my home to foreclosure. My husband and I bought our home in June of 2009. I did a lot of research and was able to find a loan through the USDA that would make it affordable for us to buy. Our loan was originally held by Taylor, Bean & Whittaker. In August of 2009 we made our first Mortgage payment to Taylor, Bean & Whittaker. At the end of August 2009 we received a letter from Bank of America informing us that they had bought out our loan and we needed to start making our payments to them. In September 2009 I sent them our mortgage payment as I did every month thereafter. In January of 2010 I called Bank of America to let them know I was having a difficult time in making my monthly payment for January 2010. I was told not to worry, all I needed to do was go online to my account and explain why I was going to be late and give them an approximate day when I would be able to pay. I followed all of the steps they told me and felt that I would be fine. I called back in the middle of February 2010 to Make January's payment and also set up a payment arrange for February for two weeks later. When I called I was informed that our home had gone into Pre- Foreclosure on February 18th 2010 and that I could not make a payment. When I inquired as to why our home was going into foreclosure for only being 38 days late on our account I was informed that they never received our payment from Taylor, Bean and Whittaker therefore according to their records I was 68 days behind on our loan. I had previously thought this issue was resolved because I had faxed in the cashed mortgage check to Taylor, Bean & Whittaker clear back in November of 2009 to Bank of America at which time they assured me my account would not fall behind. I was told that they had taken over many loans from our previous mortgage company and it would take awhile to adjust customer’s accounts. I spent 35 minutes on the phone trying to get an explanation as to why this had happened. I asked if I could speak to a supervisor and was told that unless my account was current I could not. I was very distraught and could not believe this was happening. The representative from Bank of America told me the only thing I could do at this point was apply for a Modification Loan or pay the full balance owing on our house which was $137, 000.00 dollars. Obviously I could not pay the loan in full so I applied for the Modification program. I was informed that I would receive a packet in the mail in 10 to 30 days via UPS or Fed Ex with all the forms I would need to sign and any documentation that I may need to send back. Weeks and weeks went by and I never received anything. I kept calling into Bank of America and all I was repeatedly told was that they were very backed up but to be reassured that because we pre-qualified for the modification it had stopped the foreclosure process on our home and if by chance I did receive anything with a sale date all I would need to do is call in and they would extend it. I also checked every time I called to see if our missing payment had ever been applied. Until this point in time that payment has never been applied to our account. On July 13th 2010 I received a phone call from a gentleman named Mark. He informed me that he had been assigned as our negotiator and gave me a list of documents that I needed to fax to him. At this point he informed me that I had 48 hrs to collect these and fax them and if I didn't our application would be closed. I was appalled, not only was my husband having ankle surgery the next morning, I couldn't believe that after all the phone calls I had made and waiting for 5 months for this process to get moving I was being given 48 hrs to get my documentation in. I informed Mark that I could not possibly do this in the time frame he was giving me because my husband was having ankle surgery the following day and I was his ride. Mark told me that he could give me one extension for 48 hrs and that I would need to have all the information to him by the 22nd of July. I faxed Mark all of the information he requested by the time line he had given me. On July 27th my husband called me at work and said the sheriff had been to our house and served him with the date of sale paperwork. The auction for our home has been set for August 24th at 1:00 PM. I immediately called Bank of America to find out what was going on. When I called in they said that they weren't showing that our house had a sale date. I informed him that he better figure it out because I just had a sheriff at my home. The representative put me on hold to call their legal division, when he came back on the line he confirmed what I had told him. I asked him why this was happening and if we could extend it. He told me no, all we could hope for was the modification being approved before the sale date. I asked him why we could not extend it and he informed me that we were too far out on this loan modification and too much time had passed. I was outraged and distraught. I let him know that the only reason why it had taken so long is because of Bank of America dragging their feet and that I had just barely been contacted less than 14 days ago as to where and who I was to send my documents too and that I had been calling in weekly for months to find out the status on our modification. I hung up with him and called Mark. I was informed that the investor had denied our loan. Their reasoning was that they said Mark was trying to lower our current interest rate and extend the loan longer than it was originally written for. Mark informed me that this was not the case that he had kept everything exactly the way that it was. He informed me that he sent it back to the lender and also sent the original loan documents with it. I can tell you honestly I have never been so frustrated or distraught in my life. So here we are waiting to see if the investor will approve us hoping our home doesn't get sold out from under us. Mark informed me that the investor could come back and deny our loan for another reason and if he did we could look at other options in saving our home like a payment plan or restructuring or even a short sale. I asked why this is the first I had ever heard of these options. Mark had no answer for me. I was informed that to start this whole process again I would need to contact their payment research department to find out if the lost payment to Taylor, Bean and Whittaker had ever been applied so they would know the exact amount that we were behind. I called and guess what. It hasn't and now they can't find the copy of the cashed check I sent them. I asked how something like that gets lost and was told it drops from the system after so much time has elapsed and that I would need to get another copy of the check front and back and the bank statement showing that it was cashed. Then I would need to call them back get it straightened out and then call the Home Loan Retention Division and start the whole process over again. Two problems here. 1- I no longer have that bank account due to online bank fraud. 2- I cannot find that bank statement. I went to my bank to see if I could get these copies and was told that for $50.00 hr they could research it and then I would need to pay $4.00 per page because it was a closed account. I do not have a problem doing this if I knew that it was going to do any good, because as of yet doing everything Bank of America has asked me to do was not good enough to save my home. I am at my wits end and I don't know where else to turn. I feel that there has been a grave injustice done to my husband and I and this never should have happened. Could you please, please give this your attention and contact me as soon as possible. I loved my home and living in Sanpete county. I appreciate your time and attention and hope to hear from you soon.

    0 Votes


I am writing to complain in regard to Bank of America Making Home Affordable - Imminent Hardship Program. I...

cheating customer on $100 promotion

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escrow overpayment reimbursment

I discovered Bank of America owed me $954.26, when I found the escrow check with tax return papers in January...

lost home/home retention fraud

After a loss of income (sent letter from employer, pay stubs and called home retention every two weeks until...

account closure and overdraft

i recently checked my account online and it would not let me in. i went to the ATM by my home, so i could...

closing documents

Hello, if anyone is listing or looking to sell a home and has a Countrywide Home Loans mortgage (now Bank of America) your sale may be in jeopardy, even if there are no issues with your contract or buyer.

The reason is that the ownership documentation required to close is borderline impossible to obtain from them. We have had a signed conract from an approved buyer and Countrywide is unable to find our stock certificate, proprietary lease, or lien. From what our lawyer said, this is commonplace as they have been a complete disaster since the acquisition.

The typical timeframe from doc request (at the time you sign a contract) is 6-8 weeks and then schedule a closing. If your buyer gets antsy, they can submit a 30 day notice and walk away. We are at that stage given it has been 11 weeks since we requested our documents with no indication from anyone at BofA as to when we should expect them.

Just think, the entire hard part is done (listing, price negotiation, selling, and buyer approval) to have bank that either:

1) Cant find your documents needed to close
2) doesnt care to find your docs

Our lawyer says that we can sue them for our mortgage if we lose our buyer which looks like it will happen. thats exactly what i wanted to do- spend my next few months in a lawsuit.

No wonder some people just wak away, this is just a heads up for anyone else in our situation as we have called into the highest levels of BofA and nobody there cares.

  • Jo
    JORGE RODRIGUEZ Dec 10, 2009


    0 Votes


I am frequently being interupped by phone telemarketers attempting to sell me Insurance to protect my identity. I have always asked them to stop calling and if I was interested I would not buy from a phone telemarketer. Today on SATURDAY morning I received another one of these calls. I have never been interupted on Saturday and was infuriated by this action. Please take my name off the list for telemarketers only call if my card has been comprimized.
Paula L. Hueber

  • Kr
    krispix318 Feb 06, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Your complaint isn't going to reach FIA. I believe that as long as you have their card, they can call you. A friend of mine receives a similar call every day from her credit card company. Initiating a call and being nice may get you further than being "infuriated". Remember, you attract more flies with honey than vinegar ;]

    0 Votes

modify loan

I been tried to remodify my loan with Country Wide/BOA for more than a year now and every time I called in they would tell me to call back in 2 to 3 months and all they would said was at the time " you're current and we cant help you". Alot of BOA employees in modify or retention dept. are very rude. Untill now I have not recieved my package like they said I would recieve in 45days. I had to waited for at least 30min and been transfer at least 3 times before I can get someone to talk to me about my loan. With the goverment loan and offer and had funded the Banks they're sure not in the hurry to help the people that try to keep up with their payments all these years and on time. I wish the goverment would do something more effectively for the Banks to do what they suppose to do with the goverment funds.

  • Ks
    ksriff99 Feb 05, 2010

    I just got a mod through BOA...for the first 6 months I did the same as you...got nowhere, I complained to the office of the president and got results fast...I can get the info if you want. email [email protected]

    0 Votes
  • Pa
    Pat Kitchen Sep 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    Since June of 2010 I have been in touch with BOA (my original loan was with Countrywide). They have NEVER contacted me, though I have called them at least 1x per week since June. August 7, 2010 I faxed paperwork required to BOA CEO line. Sept 19, 2010 I was finally contected with Loan Negoitatoer's Manager (Dandella Harris, negotiator is Rashimi Kumar) who told me that they had fedexed paperwork to me, but I had called several times and they showed that the paperwork was scheduled to go out but never did. When I spoke with a manager, I was told that it would take 6-8 months to get approved and that this would not stop foreclosure. I have been making payments as I could, payments have been partial to cover principal, insurance and taxes. I am on SSDI (and am scheduled to be re-evaluated in 2011. I receive $1655 per month. My mortgage was $980 and has gone up to $1020 because taxes went up. Yesterday I got a notice of intent to accelerate mortgage and they gave me until 10/20/2010 to pay $1750 or I would be indefault and accelerated payment in full would be due at that time. I payment was not received foreclosure proceedings would start (they also said that they would visit the property to see if I (or anyone)was living at address and if there were any damages, etc...). I have a ton of medical bills that have gone unpaid because I tried to make mortgage payment. This is a FHA loan at 7% interest.
    I have done everything I can to not get to this point to no avail.

    0 Votes
  • Pa
    Pat Kitchen Sep 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    I too have contacted CEO office and they did connect me with people (sometimes though I was on hold for 20+minutes). But have been waiting for anykind of communication since June of 2010

    0 Votes
  • Pa
    Pat Kitchen Sep 21, 2010
    This comment was posted by
    a verified customer
    Verified customer

    They have 1 excuse after another. I have only been making partial payments and even though have been trying to do the loan modification for the 2nd time faxed over reuired paperwork (1st time in August and again Sept. 19) have just been told that this will not stop foreclosure proceedings. Credit is totally ruined, am on SSDI so a $1020 payment is not possible

    0 Votes
  • Us
    usmcNJ Oct 12, 2010

    I to, was a victim of 6 months...
    They denied me the 1st time (3months), then called me and said my case was going to reopen (another 3 months)... At the end of it, I had to pay back the rears I owed from the trial payment balances. $4000... and I received an intention of forclosure.
    But here is the kicker, in order for them to start forclosure you have to be 3 months behind. I was only 2. So its no wonder why they are under investigation for forclosure fraud. The banks are not here to help, they are only in business to loan.

    0 Votes
  • Us
    usmcNJ Oct 12, 2010

    The banks took the our money... not the govt's money and used it for investments and bonuses... not to reinvest it in us...

    0 Votes
  • Pa
    Pat Kitchen Jan 19, 2011
    This comment was posted by
    a verified customer
    Verified customer

    USMCNJ same thing with me. Loan balance went up $5000 so new mortage amount was $960. Interesting though, said I would not have to make any payments until Feb, but they accelerated interest and late fees. They told me I needed to earn more money, Duh, if that were to happen would not need loan mod, BUT, I am on SSDI and am not allowed to work. Filing a complaint with USADA (US Americans with Disabilites Act.)

    0 Votes