Charlotte, New York
United States - 28255
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This is what Bank of America did to me. We bought our home in December 2006. It is an older home and needed a lot of repair. They had an appraisal done and appraised the home at $105, 100.00. The was bought for $52, 000.00. Well we purchased our own home owners insurance and the insurance and the yearly taxes were escrowed into the payment of the home.
Our payments were $496.00. The next thing we know they sent a payment book in February 2008 with the payment amount of $2, 110.00 a month. We thought it ws a typo until we went to pay the payment. Well the had no explanation to why at the time. Well we checked into it further that they had not paid our insurance or taxes. They lapsed our insurance and force placed their insurance of $13, 000.00. That put our escrow out of whack by -$20, 000.00. Well we couldn't afford that. We tried to get more insurance and because we don't have a central heat and air unit and new siding on the house we can't get insurance. The home was built in 1920 and needs updates. The Florida commission said until we get these updates and due to the fact the back let our insurance lapse we won't be able to get new insurance. Well the home is in foreclosure. We have been to court twice now and the judge agreed there is a discrepancy on there part. The court both times we have went come out in our favor. The next day after court Bank of America hired SAFE-Loc to enter our home and change all of the locks on the doors. A week later they hird some other guy to cut the grass. They gave him the new keys to the home. First of all if he is cutting the grass why does he need to enter the home? Anyway he entered the home and started removing the contents that was still in the home. Well remember the judge has not awarded them the home. We went to the local sheriff's office and tried to get a No- Tresspass warrant to no avail. We have no lawyer cause we can't afford one and have been fighting this ourselves. We go back to court on November 5, 2008. I just hope that they fix our credit cause they have really messed it up. I hope they reward us either the home or they money we have paid into the home including the money used for remodeling. Something has to give.
bank of ameica is a great company to work however the management teams have created a system of destroying...
In May of 2008 I applied for a refinance of my home to take out equity in the amount of $25, 000 for a kitchen remodel and to pay off some higher interest credit cards. My home is appraised at $260, 000 and my mortgage balance is $108, 000. After applying for the loan I was told that everything looked good and was given a closing date 3 weeks out. I kept in contact with our Countrywide rep at least twice a week to make sure everything was on track, which it was. The day before we were to close the loan, our rep called me and said that due to an error in their entering figures, I did not qualify for the loan. Meanwhile, I had already gutted my kitchen and had plumbers and electricians in to work on the house which I paid with credit cards intending to pay them off at loan closing. The next day, the rep called me back to say they could do the loan, but at a substantially higher interest rate. BAIT AND SWITCH.
To add insult to injury, I received a letter notifying me that a Countrywide employee had stolen and sold my personal information. In all their generosity, they offered two years of credit monitering. Wow, how nice of them.
To pour salt on the wound, they called my house. My wife answered, expecting it to be a confirmation call that we had gotten the letter regarding the identity theft, but NO, it was a sales call, offering a great "pre-approved" loan. My wife made the poor guy quiver in his cubicle and told him that we would NEVER do business with these clowns ever again. By the way, we did not choose to do business with them in the first place. Our mortgage was sold to them from the local bank who wrote it.
DO NO DO BUSINESS WITH COUNTRYWIDE.
They will do everything in their power to screw you. Just look at all the other complaints on this site or Google "Countrywide complaints, lawsuits.
My fiance and I applied and were "approved" for a mortgage. It was only asking very specifically several times if we were approved did we finally agree to put forth upfront costs on new home construction upgrades of $22, 000. Against our better judgment we had to utilize Countrywide in order to get the closing costs paid by KB Homes. They instructed us to go ahead and rent our his home while we were in the process. We did so. My fiance has moved in to my apartment where the lease ends in one month. Our closing date is scheduled for November 20th of 2008 (10 days from now). We were just notified by Countrywide 2 days ago that they cannot accept my fiance's off-duty pay, which is additional pay he receives as a sheriff's deputy in addition to his salary, which accounts for approximately $1000/mth. They JUST informed us of this even though they approved us months ago with certainty that we were "set and ready to go". In addition, they informed us that his rental property that is currently rented at $1100/mth has decreased in value within the last two months that they now they cannot approve our loan as they cannot accept any of the rental payment we are receiving. We are at risk of losing our $22, 000 if we are not able to get a mortgage for this home. Again, we close in 10 days and don't know what to do. What's so frustrating about this is that getting our representative at Countrywide to even return calls during the 4month process was nearly impossible. Even our KB representative was frustrated. We've been screwed out of $20, 000 and we have no home! WE CAN'T UNDERSTAND HOW THEY ARE ABLE TO DO THIS TO PEOPLE.
I WAS FIRED FOR AN UNDISCLOSED COMPANY POLICY!
On 11/7/08 I was advised that a call center audit was done to see how long each person was taking in between out bound calls. I was advised that the audit indicated that I was taking excessive time in between outbound calls... Countrywide didn’t give me the opportunity to be coached for this issue especially seeing that previous clear expectations were never set. Instead it was immediately looked upon as intentionally avoiding calls and I was immediately terminated... After firing myself and a few others, on the same day Countrywide immediately coached the remaining phone agents and allowed action plans for some and rolled out guidelines and set clear expectation for others.
I was employed with Countrywide Home Loans from 1/22/08 to 11/07/08. I worked in Countrywide’s Tempe Arizona office. I must say this has been the worst job experience thus far Countrywide doesn’t know if it’s coming or going. You would think that the number one Mortgage provider is capable of operating a first class business. When I started I was in a classroom training environment for 6 weeks, in the classroom training environment we were only allowed to learn the bases of loan servicing. We were advised that the main part of loan servicing would come once we are on the phone in a on the job training environment. My first thought was my in the world would you let a non-experienced person with minimum knowledge service a loan that is either in foreclosure/facing foreclosure or in major turmoil. I should have known something was up when my interview for the job only lasted 15 minutes, and I got the job.
Working with Countrywide has been the most stressful event in my life. It’s hard having a job when all you do is talk to irate people who are experiencing a financial hardship. It doesn’t make it any better when the company doesn’t provide you with the support that you need. Now don’t get me wrong, Countrywide Home Loans spends tons of money on equipment and resources and other irrelevant/miscellaneous things, but it doesn’t do you any good when you are not properly trained on how to use the equipment/resources or when Countrywide’s trained Leadership staff i.e. Directors, Managers, Training Dept., Team Leads and TL Assistance through out the U.S. are not on the same page nor are they effectively communicating the same messages. Anytime you can ask 10 different team leaders the same question and get 10 different answers, or when management is more concerned about the dress code so that they can make a good impression for visiting investors in order to get more money, there’s a problem. Countrywide Home Loans is a joke and I encourage anyone who has ever been terminated, has lost a house to foreclosure or financed a home loan with Countrywide Home Loans to seek legal advice to have the issued reviewed for typical Countrywide errors.
BOA have decided to close my checking / Saving acct. on Nov.5 and at the same time my acct. have an available...
This company preyed on me when I was most vulnerable, right after a divorce. They promised me a better loan with better interest, and an ARM would be the best thing for my situation. Little did I know that the best for me would have been to stay with USDA. My payments with USDA would never have gone up to more than $758 per month. My payments are with countrywide, $995 and HSBC $298 (countrywide sold a partial to HSBC. Over half my salary. They refuse to refinance me, they just keep modifying the loan, but not to any help to me. I am moving towards foreclosure, I have been temporarily off work to due a surgery and have fallen behind in my payments. I feel hopeless in catching up, and just feel this person who had me sign these papers knew I was under much emotional distress and she also completed the paperwork, taking my ex/husband off the title of the home by using out dated information and falsified paperwork.
In 05 I settled with FIA Card Services on a card balance. The agreement was that I would pay the principal off on a card. The interest would be waived. Great! I paid it. Nothing more until now-- I just got a letter from the IRS that FIA Card Services sent them a notification that I have an increase in income to the tune of over $1600... Now my taxes for 06 have been recalculated and I have back taxes and interest to pay. The total is more than I owed in the first place...
If I owe taxes for 'cancellation of debt', fine, but I should have been told this would be reported and at the very least get a 1099...
we were overcharged with two of our applications we put in for a new home mtg. they took appraisal monies then denied us for the property. we were over qualifed and should not have been given the ok then get appraisal monies to decline us.
we are upset with John nyugen/mtg broker from countrywide.
he overcharged us only to deny us the loan. we should not have been so far as to get appriasals on property only to be denied.
I am paid by direct deposit. My deposit came in on the 19th. I looked at my account online that morning and it said I had 210.00. (Direct deposit had come in) Later that same day, I went shopping. B of A overdrafted every single purchase that day. Thats 4 purchases, which did not add up to 210.00. What they did was list the trasactions first, and the deposit last, even though the desposits came in before the transactions. 120.00 in overdrafts, when then money was in my account that morning. When I called coustomer service, they were very rude. Both times. Infact, both ladies seemed to imply that I "deserved it" some how. Refused to reverse the charges. I had to go to the branch manager with my complaint...anyone in that situation, that is the only thing you can do. Warning: They will take your money if they can.
how can you deposit a check that is reversed from your account and then lost meanwhile they start charging you overdraft fees and never find your item you deposited, they reversed, and while you are trying to get another replacement check to fix their loss they just keep charging and charging...to add salt to the wound now that your account is overdrawn we are going to hold the next deposit (although it is a bank check) for another ten days and keep racking up fees!!! This is a ludicrous way to treat a customer. I closed the account and a month later receive a call that the account is 735.00 overdrawn...in fees, multiplying fees on top of fees. Well Bank of America, you can keep those fees in that overdrawn account along with the $1280.00 in fees I was too sick with cancer to catch, and have a nice day! I am finally wiser to your pitiful game.
Beware of bank of america. I called to cancel the privacy assist plan which boa had offered through...
This is similar to what I have had happen. Last week, I had had my direct deposit posted and went to pay a few bills. when I checked online, everything was posted and "Cleared" according to what I seen online. which my balance was $94.87 I made a $80.oo payment then a $7.84 and a $4.27 charge which would have made my balance at that point $2.76. well I went and figured "all is fine, everything was taken care of" little did I know that as of this time this morning, I incurred $105.00 in NSF fees that was completly unwarrented. I called them and they told me the charges were posted before the deposit and the fees will not be refunded. I feel taken advantage of by Bank of America and will never deal with them again. All I see is a bank that takes advantage of people who does not make alot of money finds ways to make a buck of the consumer and this problem needs to be addressed. our hard earned money is our money which we need to survive..pay bills, get our medications, feed our children. How would they feel if those very same people that does this practice have this happen to them?
I was relocated for my job from NH to MD in November 2007 and forced to put my house on the market just has things were getting bad. As it turns out, the market was already so bad that the homes in our area were already valued at less than what many had paid - including us. At this point, we contacted countrywide about a possible short sale. They said to call back when we had an offer on the home. Finally, in July 08, we had an offer. Called Countrywide. They had us send documentation incldg bank and tax statements so that the short sale process could begin. We faxed the info 7 times... each time they claimed they did not receive despite the fact that we got "successful send receipts". This lasted 2 months. Finally they acknowledged receipt. Since then (in September) we have been told that our account is waiting to be assigned a negotiator. Still has not happened. called today and they say it's because they ordered appraisal but that it never came back. They have to do it again. And round and round we go. In the meantime, we may loose our buyers because they are getting tired of waiting for this process to be complete. Countrywide does not seem to care. I don't understand why they wouldn't want to sell the house now vs. the possibility of us having to foreclose on the property. We can't afford a mortgage in NH and rent in MD much longer... it is becoming too much. I hate Countrywide. I hope they crash and burn.
I have repeatedly been screwed over by boa. Their website is great... As long as you want to track how many overdraft fees you will receive!
They have a tendency to do two things 1) they will credit your account as little as legally possible ($100 until the check clears, even though the checking rules after 9/11 made checks clear almost immediately, although they can wait 7-10 business days to have it clear). And 2) wait for all that overdraft money to flow in. Your online statement will read something like this by date (Day 1) $700 paycheck pending, (Day 2) $200 on groceries pending, (Day 3) $200 on bills pending, (Day 4) $100 on car repairs pending, (Day 5) $100 on doctor bills, and (Day 6) $100 in cash. Guess what boa does? Sorry, but your paycheck didn't clear until they could rack up all those overdraft fees, so it's $35x6=$210. And that's just quick math for it. I've had more than a few overdraft charges because they dragged their feet with my paychecks. How can they really charge a person a $35 overdraft fee over a coke and a bag of chips?
I find this type of banking quite disgusting and prefer local banks. I'd rather pay the few dollars to get money at an atm than $35 for overdraft fees. It is absolutely ridiculous.
Over payment of $27, 000.00, Bank of America Sept. 24th, Entered payment of $3009.00 online for credit card...
I used the Bank of America machine that said if you deposited your check which it scanned and gave you the printed copy receipt of your check, that the fund would be available by 8pm and they weren't.
I talked to a customer service rep who said she didn't know anything about that kind of machine and was sorry they were advertising that and said that no one would be able to answer my questions. I then talked to a superviser who said that yes they would be available by that evening but that mine would not. I asked her several times what she meant and why mine would not be and she kept saying that even though it says that night, the funds don't process til the next day. She and her helper were very rude and could not answer the question of why my funds would not credit to the account the day they were deposited and kept telling me they would be available the next day. Her name was Stefanie Quevedo in Nevada.
My father died suddenly while I was traveling so I changed direction and went to his home. We needed clothing and such for his services and I did not have access to a computer so I decided to make an extra $3000.00 payment just to be sure we had plenty of room on our Alaska Airlines Bank of America Visa card. I did not yet owe a payment and I was not close to my limit. I am just cautious and know about all of the various ways credit card companies trap consumers into pirate interest rates and fees. In fact, I don't pay my bill each month by the due date, but by the earlier closing date so they cannot trick me into paying interest.
Apparently, when I made an automatic payment via their phone service, I input my routing number incorrectly. However, BOA gave me the message that the payment was made and gave me a confirmation number.
When I returned home a week later, exhausted and grieving, I discovered the $3000.00 payment hadn't processed. I called the company and they told me that the routing number was input incorrectly so I made the payment right there on the phone since I'd tried to earlier anyway. This payment was more than I owed for the billing period and almost three weeks before it was due.
Three weeks later when I looked at my account online I discovered a $3000.00 cash advance loan at almost 30% interest! I never asked for a cash advance, I never needed a cash advance, and altogether I had paid $6000.00 when I owed less than $5000.00 for that month! And I had paid it early!
I emailed customer service and they emailed me back telling me I had requested the loan. I corrected them and told them no, I had merely input the wrong digit into the phone when trying to make payment, no actual money went back and forth, and I made the payment a week later well in advance of when it was due and for at least $1500 more than I owed for that billing period. They wrote back telling me that they "could not" remove the cash advance or change anything. Mind you, I never actually got the $3000.00 because it was all just a numbers on paper game. They had debited my account the initial $3000.00 phone payment and then credited it, taken it back, the very same day. They claimed to have loaned me $3000.00, but did not actually give it to me to keep. I asked them that since, on paper, they my the payment back the same day they gave it to me, why didn't I have an extra $3000.00?
We went back and forth for days, they denied my request, then they stalled. My husband called them and lost his temper because the customer service person was rude and he kept excusing what was happening because we "had requested the cash advance." After my husband lost his temper, the customer service rep told him they would remove the cash advance and return the interest they had charged us. It was not removed and we were not reimbursed. Instead, both my paper bills and my online bills ceased! Someone changed my online billing status to stop my receiving them and I did not receive any in the mail!
I contacted them by email again since the phone calls had proved worthless and asked why they had not followed through on what customer service told us they would do for us. I received an email telling me that they were "reviewing" the issue and then I never heard from them again.
Because we use our card for almost everything in order to earn miles, there are charges on it almost daily. Instead of applying the $6000.00 in payments to what I owed that month, BOA applied it to new charges in the next billing period so that almost none of the $3000.00 "cash advance" was being paid. For the next three months our payments continued to be applied to new billing periods even when I sent in enough to pay the entire amount owed for each month plus the "cash advance." Thus, the cash advance was not going down by much each month.
Finally, we wrote to our Senator and included copies of everything. He wrote to them and forwarded our complaint to the comptroller's office. As soon as they got a letter from the Senator, a customer service rep called me, apologized profusely, returned our interest. removed the cash advance from our record, and refunded our yearly fee for that year. Although we have been reliable customers for many years, they weren't satisfied with the merchant fees they get every time we use our card; they wanted to force us into paying high interest. If our Senator had not written to them for an explanation, they would have continued cheating us.
Letter received from countrywide about my personal info being compromised. Gave me a complimentatry credit monitoring service that I am unable to log into. Please investigate.
December of 05 iI had entered into a contract to purchase a house. My mortgage broker had asked me to buy more time as he was looking for a way to find me a loan. I made a deposit of 5k, then another 130k from an equity line he procured for me on another house. A day before close of april7/06 he notifies me that in order to 'get through escrow' I was to sign over the interest in the escrow to him and after close the following morning it would be replaced in my name. This has not happened.
Since inception of the lawsuit it has been discovered that- he had been preparing, signing, and forging documents in the escrow office without my notice from him or the escrow between feb28-march31 06. That two days prior to the assignment of my interests, and well after my over 100k deposit, he had aplied fraudulently, had approved from his superior, AND was underwritten by Countrywide for a mortgage and a HELOC in the amount of 50+k! The 50k$ was used to buil;d a pool and yard at his present house. the loans miraculously were underwritten and funded within 2days and without a purchase contract or any suportive evidence that he was to purchase this house. Basically he was enabled and coluded with to defraud me.
A year has passed, Im waaay out of money for my attorney, The broker has now filed chpt.7 after numerous other stalling tactics by his sleaze lawyer and Countrywide has done everything from denying his employment(since proven) to saying it was them that were defrauded as well. Nevermind that they had the last call, this is what underwriting is based on according to law.
call me if this interests you, you can see current docs relating to this on the L.A. Superior Court web site- case # BC379861