Bank of America
Charlotte, New York
United States - 28255
|Mon||8:00 AM - 11:00 PM|
|Tue||8:00 AM - 11:00 PM|
|Wed||8:00 AM - 11:00 PM|
|Thu||8:00 AM - 11:00 PM|
|Fri||8:00 AM - 11:00 PM|
|Sat||8:00 AM - 8:00 PM|
|Sun||8:00 AM - 8:00 PM|
|Mon||8:00 AM - 11:00 PM|
|Tue||8:00 AM - 11:00 PM|
|Wed||8:00 AM - 11:00 PM|
|Thu||8:00 AM - 11:00 PM|
|Fri||8:00 AM - 11:00 PM|
|Sat||8:00 AM - 8:00 PM|
|Sun||8:00 AM - 8:00 PM|
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
Recently my wife called Bank of America to see if we could lower our interest rate on our account. She...
Company raised rates to 28.99%. Escalation is apparently covered in change of terms. Try reading those...
THIS COMPANY RAISE IT RATES ANY TIME THEY WANT TO AND BASICALLY TELL YOU THAT IF YOU DO NOT LIKE IT THAT IS...
I had been getting a lot of sales calls to buy Life Insurance by people saying they were with Bank of...
They told us one interest rate and then doubled it!!! Also they changed the amount we agreed on and when we called Bank of America they gave us the run around sending us to several different people and placing us on hold over and over again. We finally threatened to close our bank account so that they would not continue to take our money. Beware.
I even called my bank to get a direct # and was told by them that the phone number they had for FIA was an "interior" number- meaning she couldn't give it to me! So they CAN call me and offer to TAKE my money but I CAN'T call them and tell them to STOP!!! Who does business like that!?!??!
I was only able to reach them thanks to a number I got from a posting on this website.
I have had an unhappy relationship with Bank of America virtually from the beginning. However, their customer...
These people are ripoff artisits. They call from another listing on your property anc claim to have sold it. They need a retainer for the SALE and they fax you a "Modified contract"
which doesn't even list the correct address (Whitehall PA) and when you get the Paperwork to mail back, it is just a listing and you can't get your money back because they waited until after the 10 day return peroid before they sent the paperwork.
THIS IS FRAUD!!! Hang up on them. I know that you like me, really want to sell your timeshare but THESE PEOPLE are a BIG rip off. They will not answer phone or email or mail after the 10 days.
I have been a victim of Identity Theft since 2000. I am still fighting fruad accounts and on June 2008, I got into a big mees with Bank Of America. On 06/09/08, I received a email message that they detected "irregular credit card activity" on my account. I immediately called to speak to the FRAUD Dept, and I was informed that on 06/07/08, there were 7 outstanding ATM authorizations all made with less than 5 mins. I immediately told them that I didn't do them and that I did now realize that I had left my VISA card at a restaurant with my driver's license on June 06.
They since have denied my claim based on other previous claims and that I didn't contact them on June 6th about my missing card. I tried to explain that I didn't realize it was missing until I got the email from them. Now they say I have to pay the fraud charges. I have conatcted the FTC, the credit bureraus and now the Comptroller of Currency, all who have asked them to send me copies of the "fraud Transactions". As of now they still have not replied to me or any agencies requests. I think Bank Of America is lying when they advertise ZERO % FRAUD LIABILITY!
9/2008 URGENT! To All Countrywide Customers with Home Loans...
I would like to know if the following occurred to any customers of countrywide home loans byside myself.
I have (two) Mortgages with countrywide home loans and have then now for 2.5 years. I noticied that in July I did not receive a statement from countrywide for my first mortgage. I got the statement for the second mortgages as usual.
They said they will send one out to me soon. Ok, I waited nothing. Now August 2008 comes in and no first mortgage statement again. Yet for August I received the second as usual.
I called Countrywide in August again and expressed to them my concern not receiving the statement for my first mortgage.
Here is what I was told...
We blocked your account because we sent a duplicate and it was returned to us. It was sent back to countrywide stating "WRONG ADDRESS" I said wow that is strange because that has never happend before. So I spoke to a Supervisor to see what can be done since this incident occurred twice already. (July and August 2008 Statements)
I explained to countrywide that I have a 2nd mortgage with them and to verify the address and they will see that everything is the same and I am still living in the home that was purchased.
To their surprise the second loan and first loan had EXACTLY THE SAME ADDRESS! They said why do not know why you are not getting your not getting your 1st mortgage statement. I told them I am going to file a compliant with the post office because tampering with someone mail is a federal offense and I told them that.
My local post office could not understand why this was happening and took the necessary steps to assist me.
My calls continued to countrywide and still they were not able to give me any duplicate statements or tell me why my statements have not arrived. I continued pressing them and still nothing.
Please note, that my statements always came on time and for some odd reason they stopped. Then when I read the details of the program that will be implented on October 1, 2008 it somehow began to all make sense to me. So please let me know if you exeperienced this situation in the past few months.
Now, to my surprise I get the statement that needs to be paid in October 1, 2008.
IF ANYONE HAS ENCOUNTERED THIS SITUATION PLEASE MAKE COMMENTS. MAYBE WE HAVE A CLASS ACTION LAWSUIT.
Please, be aware that now October 1, 2008, there is the new housing bill that was signed by the president of the USA in order to assist struggling homeowners.
For more info. on this program go to WWW. HUD.gov and you will see what the qualifications are in order to be eligiable for this program.
Please email me at [protected]@aol.com
Subject: Missed statements.
Thank you for reading my comment.
Bernadette - California
Fraud alert, I believe every one of the 2 millions countrywide customers should read this letter I am sure it will benefit them as long as they are dealing with Countrywide Mortgage Company.
Throughout the pas 2.5 half years that we have a home loan with countrywide, we are receiving monthly statement and envelop to mail out our monthly payments. During the last two months we did not received any monthly statement and if it was not because of my wife we would have be late on our monthly payment.
After many calls to countrywide customer service they have informed us that the statement has been return to them with the note “Wrong address”. We have contacted post office and countrywide to get to the bottom of this issue without any success, and I must remind everyone that we have two loan with countrywide and we are receiving the second loan statements but not the first loan.
By the language of the loan documents customer is the ultimate responsible person to pay the mortgage and they need to use all means to do so, however when you receiving statements every month for the past two years or as many month and years that you are getting the statements, you may get used to this method and system and you may waited for you statements and as result you may be late on your mortgage payments.
This is extremely important and you may ask why and the answer that question is as follow;
1. This will have negative effect on your credit report and your credit score.
2. If you miss any payment as everyone knows there will be late fees involve with that and that is ONE WAY FOR THEM TO MAKE EXTRA MONEY.
3. If you are looking to take advantage of HOUSING RESCUE BILL that it was pass in summer, guess what!!?? Since you are LATE on your payments you will not be qualified to apply or take advantage of housing rescue bill.
4. If you are late in your monthly payments countrywide does not have to work with you and simply they can say get out.
I believe the reason that Countrywide does not send statements to the customers or when you pay online and on time yet they claim that they have not received the payments on time is that they want to make sure that the customers our late which will allow them to collect more late fees, disqualify the customer for any program that will REDUCE THE PRINCIPALS OF YOUR LOAN, and or any Loan Modification.
Countrywide is a incompetent, dishonest, deceitful company and they do anything to take advantage of the customer. Their incompetence has lead to the lost of identity of 2 million customer and they did not inform their customer for OVER TWO years their must be some law against that and consumer should take some legal action about that.
If you experiencing some of the above conditions and more please speak up and lets get together and see if we can put an end to the COUNTRYWIDE PIRACY of customers from their livelihood.
Here is my story:
One day 3 years ago, there is a car loan that pop out in my credit report. At that time I did not have the time to clean it out. I have written to the 3 credit bureus, and they have investigated, but Bank of America would not clear my name. Now, I finally have the time to follow thru with this.
I have written the Plaza associates and called them as they are the collecting agency that the Bank of America gave the loans to. They referred me back to the originator of the car loan.
Then I filled a dispute from the credit bureu once again.
After that I have fax the same proof and evidence that the car loan is not mine to a supervisor named CArole Olson of Bank of America.
I had no Idea that when I called the 1-800 number, I would have the run around and no one could direct me to their fraud department for auto loans. I spent 4 hrs per day in the past 3 days.
I feel so frustrated about this and I am not sure what to make of it. The receptionist are horrible. Then I found this wbsite which could at least make me vent some of my frustration. I guess this is therapeutic. But still Is there any way someone could help me get rid of that credit report?
Oh, I have a story for you guys...about a month ago..I had direct deposit from my job, so I waited until it...
STAY AWAY!! READ THIS CAREFULLY!! My son who is in his early twenties received a credit card branded Harris Bank managed by FIA Card Services. He moved and missed a payment. My son and I have the same first and last name but different middle initial. FIA Card services uses a collection agency called ACT Collection Services in Kansas City. ACT Collection Services uses a third party service obviously from India. I received a phone call asking about a card that I did not own and after a few phone calls, established that it was not mine but my sons. I told them that I would contact my son and that they should no longer call me as he does not live here and is on his own. The phone calls continued - ACT continued to call my wife's business line and any relatives who shared our same last name. This morning I received a call again from a person from India who told me "we are going to keep calling you until we hear from your son." That was it for me - I called and spoke to people from ACT, FIA, BAnk of America (who I believe owns FIA), and will contact Harris Bank. No relatives of a cardholder should be harassed that way. I am reporting them to the state's attorney and all agencies concerned with this and will continue to spread the word about these practices. My advice is to stay away from any credit cards managed by FIA Card Services.
Refinanced in early 2008 with Countrywide Mortgage.Countrywide did not accept appraisal from appraiser, home...
I have had a credit card with Bank of America/MBNA since 1997. And, I have used my credit card account for...
here is the content of a letter I sent to customer service at B of A concerning a "hold" they have on check I deposited a week ago. This is a scam being run by B of A. What they do is withhold deposits for the full legal time they can withhold them to get the advantage of your money for a period of time. Meanwhile, you can't pay the bills. The spirit of the law is to protect from phony deposits from disreputable sources. I can only say that the source of this deposit is in better shape than BofA-and BofA knows it.
I would ask you to immediately release the rest of the funds from a deposit I made a week ago. The check was from a a major insurance company, as reputable a source as any. (if the source was suspect I would possibly understand). The only possible justification for holding back the money-which is causing us huge problems-is that Bank of America is stealing-holding the money hostage so they can use it for the full legal time they are allowed to do so. If done on a massive scale this could benefit the company, at the expense of the deposit holders.This is disgraceful behavior. I know you have stated you will release it Monday. Release it today.
This mega bank is playing bait and switch with CD rates.
We asked to move a CD to the interest rate that was advertised on their web-site, when the CD matured and I was assured by their Customer Service dept. over the phone, that would be done, twice!
But, after it was too late to move the CD, as it had passed it's 10 day 'grace' period, up comes a response on their obscure customer service page that "Sorry, that can't be done".