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Complaints & Reviews

Ripped off

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.

  • So
    sonia Cartagena Oct 08, 2008
    This comment was posted by
    a verified customer
    Verified customer

    To bab I read this complain to late this company did the sameting to me what can we do to stop them? and paid our money back.

    0 Votes
  • Wi
    william harrison Oct 15, 2008

    report these scam artist to the folks at http://www.resaleripoffs.com. They have a help forum, do investigations, and fee recovery for timeshare owners that have been scammed.

    0 Votes

refusal of fraud complaint

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!

mortgage statements

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.


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

  • Ma
    Mary Sep 26, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I agree with all you say countrywide needs to get in trouble. I have delt with them and have gotton into a hole because of them. And as for thhat new housing bill forgetaboutit its bull. I called with all my issues and they turned taled to me about fixing my credit not helping me with my housing issues. My credit was fine I have no idea who that bill is for but not the people that have been ripped off by countrywide. What a joke the women told me about that bill I was so upset I thought yes someone will help now. Not at all. She told me I needed to be like 4 months behind on my morg payments and other things also. What a joke so much for that bill...guess we have to go after countrywide oursleves...

    0 Votes
  • Da
    darlene Oct 25, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I have had 2 home loans with countrywide for many years. I have never had a problem with them. I have automatic payments set up with my online banking so this type of problem does not occur. The payments are made automaticly and come right out of my bank account.

    0 Votes
  • Sa
    Sam Oct 28, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I have 1 loan with Countrywide and noticed the same thing. I did a quick search about not receiving statements and that's how I came across this post. At first, I thought it was just a mistake or something. Now I'm getting a little worried. I've always received my statements 2-3 months in advance. Countrywide would send my October statement in August or July, for example. I always pay my statements online through my bank, so it's not really an issue about not receiving an actual statement but I'm just a little worried that forgetting to mail out my statements is a sign of bad things to come.

    0 Votes
  • Ch
    Charlotte Oct 30, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I have my mortgage with countrywide and have not had any problems. I make my payments on line every month. Also in reference to the returned statements, I work for a vredit card company and I know sometimes mail has been retrned for no apparent reason. That has nothing to do with the company that sends the mail. It is the post office that returns mail. If the correct address is on the mail, the company who sent the mail is not responsible.

    0 Votes

Monthly Statements / Late Fees

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.

  • Cn
    cnjcomplains May 10, 2010

    I had they same problem after we did our modification, we didn't get a statement for a few months, and they just gave me the run around when I'd call. They are/were just out to scam people, so ridiculous!!!

    0 Votes

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1 800 number/fraud dept

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?

Freddy Conde

  • Ba
    Barbie Girl Oct 28, 2008
    This comment was posted by
    a verified customer
    Verified customer

    Bank of America are true scammers and just down right dishonest. I bought a home thru Bank of America in 2006. I had purchased home ownwer's insurance in order to buy the home. We had the insurance and taxes escrowed into the payment of the house. We recieved a new payment book this February in the amount of $2, 110.00. We thought it was a typo of course. We went to make the payment and they told us we didn't have enough money and that it wasn't a typo. Yet and all they had no explanation to why at the time. We kept inquiring and found out they had not payed for our insurance and force placed their insurance of $13, 000.00. Which raised our escrow to $20, 000.00 in the negative. I am currently in foreclosure court.
    So far the judge has put it in our favor because he sees the discrepancy. They admitted it was a discrepancy on their part but they don't want to fix it. Any way the hired SaFE-Loc to enter the home and change all the locks on all the doors. The house has not been awarded to them as of yet. This was the day after court last month. The next thing they did was hire a guy to cut the grass and gave him the new keys to the home. Explain to me why he would have to enter the home??? Any way he entered the home and began removing contents from inside the house. We tried putting a no- tress pass warrant against Bank of America to no avail. We are scheduled to go back to court November 5, 2008. We will find out what happens then. If there is anyone out there that can give me advice or any information for this case like more like mine please HELP.

    0 Votes
  • Ra
    Ramon A Saucedo Jul 28, 2012
    This comment was posted by
    a verified customer
    Verified customer

    JulY28, 2012 To My Queen of the United Kingdom cc
    cc. Chiefs of State and Cabinet Members of Foreign Governments
    I have a complaint Bankers i don't understand there Greed in taking Homes money that is I, Ramon Armando Saucedo work for all my life i ask you to look into matter it appears they have office or base in kingdom this Men or Women are dangers and i ask you to apply Justice only after looking at facts the Corporation Bank of America, in business relating to money yet disgraceful actions i, call this group from bank of America Mobsters involving racketeer is how they make earn money senseless yet deplorable, see they some how got hold of my land sold it and all my company business money this men they mobster stealer thief taken all my money home and money i deposit and my escrow account harm America Value haring America Education Harming America Love for You Queen ELIZABETH II ALEXANDRA MARY I, HAVE FAITH YOU LOOK IN THIS MATTER AND JUSTICE, THIS IN NOT A ACCUSATION AGANIST BANK OF AMERICA AND WORKER AND THERE CEO WHO ACTIONS HAVE HARM WORLD CAUSING ALL YOU DONE TO FALL AND YOU ONLY ONE THE SET THIS ANIMAL THAT TAKEN OVER A BANK CALLED BANK OF AMERICA CEO, IN CLOSING I SEE HOW EDUCATION HAS LEFT AND RESPECT, BUT I HAVE MY QUEEN ELIZABETH II ALEXANDRA MARY, SHE WILL TEACH YOU BANK OF AMERICA RESPECT AND I, SAY YOU OUT LAW BRING YOU TO PUNISHMENT, LONG LIVE QUEEN OF THE UNITED KINGDOM AND PLEASE DON'T GO STAY WE NEED YOU TO TEACH WORLD HOW TO BE HUMAN LOVE <RAMON A, LEON SAUCEDO An Mr Barack Obama 44th President of United States of America, Rep, THE UNION OF THE UNITED STATES OF AMERICA WAITING STAND NO MATTER HOW LONG JULY 28, 2012 760-592-1359

    0 Votes
  • Ja
    Janice A. Holloway Jun 01, 2017
    This comment was posted by
    a verified customer
    Verified customer

    I just received this e-mail (Janice A. Holloway - BoA user for 50 years - jan[email protected] 214.418.3058): MAKE THIS PAYMENT OR STOP CONTACTING US.
    BANK OF AMERICA to you (Bcc)show details
    Bank of America Corporate Office Headquarters
    100 N.Tryon St Charlotte, NC 28255
    Our Ref:BOA/IRU/SFE/15.5/WD/011
    United States of America
    8 a.m.-9 p.m. Eastern Daylight Time(EDT)
    Saturday and Sunday
    8 a.m.-4 p.m. Eastern Daylight Time(EDT)

    make this payment or stop contacting us.

    The Management of the Bank of America Corporate Office Headquarters here
    in 100 N.Tryon St Charlotte, NC 28255 wishes to inform you that after a
    brief meeting
    held by the Bank executives yesterday, the 31st of MAY, 2017 at
    precisely 8 a.m. Eastern Daylight Time(EDT), we deem it appropriate to
    intimate you that your funds will be transferred into the United States
    Treasury Account with the JP Morgan Chase Headquarters at 270 Park
    Avenue in New York according to the record we got from Africa due to
    your inability to complete the transaction and your failure to meet up
    with a minor payment obligation. The actual transfer of your funds(
    $20, 500, 000.00) into the government account comes up next week.
    This is in line with the instructions of the USA Treasurer, Mrs .Rosa
    Gumataotao Rios that all unclaimed funds be paid into the United States
    Government Treasury Account as unserviceable funds in compliance to
    section 3 subsection 1(a) of the United States Financial Law enacted in
    2001 after an attack on our dear country on September 11, 2001.
    Find below the profile of the banking institution where your funds will
    be transferred into following the government directive:, And note to
    responds to us with below Email ([email protected])Name of
    Bank: JP Morgan Chase Headquarters at 270 Park Avenue in New York. JP
    Morgan Chase Official Bankers for the United States Treasury Department
    AC NO: 68302345093
    Routing NO:021109593
    Account Name:
    United States Treasury Department, USA
    Note that if you still wish to receive your funds do get back to us
    immediately so that we will remove your funds transfer from the list of
    those transactions to be seized by the United States Government. Also be
    informed that we need only a DIPLOMATIC IMMUNITY SEAL OF TRANSFER(DIST)
    to complete the wire transfer. The fee to obtain the SEAL was reduced
    from$1000 to $200 and no other fee is involved.
    You are required to send the fee of $200 by WESTERN UNION or MONEY GRAM
    to the issuing officer at the bank where your transaction originated as
    stated below INFORMATION

    Receivers...OBI UDE
    Country ...Benin Republic
    AMOUNT to send...$200
    Email the following To ( [email protected])

    Sender's name:
    MTCN or REFERENCE Number

    The name of the city from where the money was sent If we receive the
    MTCN today, we will transfer your funds ($20, 500, 000.00) before we close
    office and the funds will reflect 3hours after the transfer. We will
    send you all the transfer documents to enable you start making cash
    withdrawals from your account same day the funds are transferred. We
    have waited for so long and we cannot continue to wait.
    Thank you for giving us the opportunity to serve your banking needs.
    Yours faithfully,
    Bank of America®
    Email [email protected]
    Corporate Office Headquarters, Charlotte, N.C.
    Bank of America, N.A. Member FDIC.
    © 2011 Bank of America Corporation. All rights reserved.
    PLEASE TELL ME WHAT TO DO! Thank you, Janice A. Holloway, Lewisville, TX 75067

    0 Votes

money disappearing, excessive fees, without an explanation

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.

  • Ma
    Matt Sep 22, 2008
    This comment was posted by
    a verified customer
    Verified customer

    It is illegal for any creditor or collection agency to call, write, or otherwise contact relatives of a person they are attempting to collect from. Further, it is illegal for these companies to contact relatives or persons they are attempting to collect from with the intent of harrassing, badgering or otherwise bullying them into paying all or a portion of a debt. They may not attempt to contact people an unreasonable number of times in a day or week. In order to take action against these companies one must keep a detailed log of all attempts at contact- phone, e-mail and mail. Do not delete any voicemail or answering machine messages left, e-mails or letters sent. Send all copies of this material to you state attorney general and the department of consumer affairs.

    0 Votes
  • La
    Laniefrances Jun 19, 2009
    This comment was posted by
    a verified customer
    Verified customer

    I knew that Fia Card Services was bad to deal with but reading these complaints I am absolutely sure. They offered me a credit card balance transfer at 1.9% for one year. It just expired and it jumped to 15.99%. I was never late and never exceeded the credit limit. When asked if there was an "opt out" (as was for Bank of America when they raised their interest rates), I was told emphatically "no". I was also told that any future payments would be paid to the lower interest rate balance first. How's that for business practice? I'm doing whatever I can to pay this card off, taking money from an IRA so this scamming bank does not get our hard earned money. 15.99% on $1, 800? That's about $280 in finance charges. Outrages and even more that these banks are allowed to do whatever they want to us. How does the government expect us to spend money when we're making the banks rich. The economy will never improve as long as these practices are allowed to continue. I wish there was something we could all do to stop this immoral practices.

    0 Votes
  • Er
    EricaSue Nov 02, 2009

    I have had a NIGHTMARE of a time with FIA and Harris. First of all, the Harris online banking site sucks and this FIA partnership is even worse. If you want to see payments or make payments it takes you to a completely different website.

    I have had nothing but problems since day one. As soon as I got the card, I signed up for the automatic payments which don't allow you to do automatic minimum - you have to picked a fixed amount? Every other company I have ever dealt with allows you to select minimum. When I made the balance transfer for the low rate, I asked my representative with whom I was working what the first payment would be. She told me, but was off by two dollars unbeknownst to me. I then get a letter saying they are changing my rate and did I want to "opt out". I call and figure out there was a 2 dollar difference and pay the difference. I change the amount to reflect that amount for the auto pay because why would the second month be higher than the first when there is no money being charged additionally to the card. However, second month bill jumps - I never get the email notification that I have a new bill though I was signed up for it.

    I get the letter again and have to call customer support again. I go online while talking with the woman and see this time is a $133 payment due versus the 47 it should have been. I wait on hold for almost 30 minutes. Then get a woman who goes through that the minimum amount had gone up and I was off this time by $10 and the 133 included two late fees, but she would credit those back. We spent 30 minutes on the phone going through everything. I pay the difference of $10 and see her late fee credits. I am actually now paid over by $2.

    I just logged in and see there is a 39 dollar late fee! Though amount due shows 37 because as I have already said it was overpaid by $2 so how could there be a late fee?

    I call support - wait 17 minutes. Get someone who says he sees the adjustments but they did not take out of minimum due, however, they had to have taken out otherwise the current amount due would not be 2 dollars less than the total.

    While I am talking he talks over me and transfers me!! On hold again!

    THEN, I get a woman who says you can do "minimum". I am literally looking at their sign up section - NO WHERE does it say minimum. She says, "Oh you must be in the wrong section" Um, I am in "Auto Pay Account Settings - View/Edit/Change" What other section should I be in? Now, of course, she can't tell me where to go to do minimum pay but she says she can transfer me to that department. I tell her I am looking at the screen - there is nothing about minimum pay. She puts me on hold. Comes back - I was right. The relationship with ghetto Harris bank doesn't allow for it to be done online. But she can mail me a paper form and I can mail it back! What?? Is this 1990?

    I go back to my original issue - what's up with the late fee? She tries a few bogus excuses like "well if you made a payment after 5pm the day before the due date then it would still show up". I made the payment 2 weeks before the due date - fail. So then she finally admits she doesn't know why there is a late fee. I say it's a bug. In my head I am thinking OR A SCAM! Guess what she does? Yep. Puts me on hold! Call time at this point is 33 minutes. Then comes back on and tries to tell me that she doesn't know where I am getting the minimum due of 37 and that the two late charge adjustments don't count towards my 133 owed. That's funny because the amounts worked out perfect that there was a 2 dollar credit and then the amount due is 2 dollars less than the 39 dollar late fee! I HATE THIS COMPANY! She then has to restore my rate and credit the late fee. AGAIN! 3 months and this has happened every month. She claims the last person I talked to gave me bad information. Really? I get bad information every month. The problem is - it says on my account that I owe $37 and she is telling me that is incorrect and it should be more? But how do I know since the information is incorrect? Who has the correct information? I HATE FIA Cardservices and Harris Bank. Do not do business with FIA CARD SERVICES OR HARRIS BANK!

    0 Votes

Scam and cheating

Refinanced in early 2008 with Countrywide Mortgage.Countrywide did not accept appraisal from appraiser, home...

b.o.a. closed my credit card account

I have had a credit card with Bank of America/MBNA since 1997. And, I have used my credit card account for...

holding funds

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.

  • 11
    11th Gate Feb 06, 2009

    Why isn't everyone outraged over this! Bank of America has done the same dirty little tricks to me, and I have been robbed of hundreds of dollars by them since they bought out LaSalle Bank in April of 2008. B of A WILL lose a whole population of customers b/c they are greedy pigs. I disdain most banking policies - they are created to take, take, take and not much else. However, nobody has balls the size of Bank of America, don't you think? They just helped themselves to how many billions of dollars in taxpayer money for their so-called "bailout"? They sicken me. Something has to be done in this country to stop this blatant robbery of the common people. You just don't know how I would love to have Bank of America's Executives to myself, alone in a room just once. NO CONSCIENCEs! NO ACCOUNTABILITY! WORST BANK EVER!

    0 Votes
  • Pe
    person who hates stupidity Mar 01, 2010

    This is a capitalist society what do you expect? Businesses want to make money so they have policies that lead to that end. If Bank of America did not make money then you wouldn't want to bank with them. What do you think pays for the tellers, branches, security, website, debit cards and the convenient ATM machines that are located just about anywhere? If the bank didn't have money making policies then you never would have entered one to begin with. I have banked with B of A for 7 years and the only money they have ever made off of me has been through using my money while they have it to the best of their ability. From a business standpoint why would they want to change this policy if it is lawful and makes them money without bothering a large number of their customers?. I am happy to allow them to take advantage of my money for the smal time they have it so long as I gain the security and convenience that banking with a large bank provides.

    -1 Votes
  • Ju
    JustinJj Mar 08, 2011

    Same [censor] done to me deposited my $500.00 check.. Hard earned from working 80 hours and I get to see that I don't get to use my money until 5 days after depositing. Closing my account once this is all over with I'm done with you BoA screw off.

    0 Votes

bait and switch fraud

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".

  • Em
    EMer2715 Sep 06, 2012

    Lesson to be learned. Never do any banking transactions over the phone.

    -1 Votes


This is the last letter I sent to Bank of America. As of Sep. 2, 2008, this is still not...



They gave my info to a 3rd party

Through my bank, Huntington National Bank, I applied for a Master Card. FIA processed the application, turned me down and still has not sent a decline letter.

What they did do was illegally send the letter to an address I had more than ten years ago and no longer use! FIA claims the address was on the hand-written application. WRONG! The app was generated on a bank pc that had only current info on it! I though it was illegal to send personal info to an UN-authorized third party, but FIA says otherwise. When I find out the culprit, I will file charges with the feds.

excessive overdraft charges

My son has an account with Bank of America. He is new to the Banking business. He thought he had more in the bank than he did. He used his ATM card for a small purchase of $6.89. The following day a purchase of $ 7.66. Atm card no problems right? no he was charged 2 overdraft fees of $35.00 each. My complaint is when does the Bank stop allowing you to overdraw your account? Are they out to collect as many fees as they can? Would they allow you to come into the bank and withdraw money that wasn't there? At what point do they look out for you when you overlook something and put a stop before you incur numerous fees? I also have an account with BOA and have never activated or used ay of my ATM cards because of this reason.I just keep enough money in to keep it open so if I need to cash a check or anything I can But my banking loyalties belong to Wells Fargo even though I bank from afar due to there are no Wells Fargo Banks in they city I live in or close by for that matter. Think twice before trusting BOA as they apparently are looking out for the bottom line not you.

  • GG11 May 24, 2009

    Very similar situation happened to me several times over the years with BOA!!!

    I was going through chemo and didn't know my balance had dropped below by less than ONE DOLLAR and I accrued almost $300 in over-draft fees because they continued to pay bills going out.

    It was awful and didn't help while fighting for my life!

    0 Votes

checking account scam

Beware old customer or new customer: Bank of america is doing what is called a research fee which charge...

bad service

Countrywide Home Loan's Full Spectrum Lending division is a disgrace to an increasingly disgusting mortgage business.

Last April, my wife and I decided to refinance our home. So, we made a few calls and settled on Countrywide's Full Spectrum Lending because we liked the agent we dealt with. His name was John Donaghue, and he suggested getting an interest only loan because we were only staying in our house another year or two and we wouldn't be paying off much principal balance anyway. This way we could save more money. I checked into it, and he was right - the money we could save by paying off an interest only payment was dramatically higher than the money we could save paying off a 30-year fixed.

So, we went with it. John Donaghue was able to lower our monthly payment by an astonishing $500 a month! We were so happy! So, we signed the paper work.

Imagine my surprise four months later when we looked at our principal balance and it was FOUR THOUSAND DOLLARS MORE than what it was after refinancing.

Now, I admit, we did not thoroughly examine the contracts. And that is a mistake we will NEVER make again. Because if we had thoroughly read the contract, we would have seen that the reason our payment was so low was because John Donaghue roped us into a negative amoritization loan. Which basically means that we pay only PARTIAL interest and the rest of the interest is getting added to our principal balance every month.

So, we were saving $500 a month in payments, but $600 a month was being added to our principal balance! I admit, we should have picked that up when signing the contract, but shouldn't Mr. Donaghue have TOLD US THAT WHEN HE WAS TELLING US ABOUT THE DAMN CONTRACT?!?!?!? What kind of company allows their sales force to do that kind of crap?

So, we had to refinance again. We're back to where we started and have had to pay closing costs twice in the past year. Not good times.

I wish the story ended there. But, on Christmas Eve we found out that our new mortgage company (Allied Home Mortgage) had sold our mortgage to another firm. Take a wild guess who they sold it to!

You guessed it - COUNTRYWIDE!

So, now we're dealing with this deceitful company again and we have no recourse, but to bend over and take it from them. (Not unless we want to refinance yet again)

To make a long story short, Countrywide Home Loans and Full Spectrum Lending are two companies that you should avoid at all costs.

unauthorized debit

Bank of America uses incorrect dates for transactions. Here is the scenerio...on the evening of August 14 I went to bed, knowing that my paycheck from work would be direct deposited at midnight on August 15th. I told my husband that if he was up later that he could go ahead and pay our cell phone bill online when he saw that my paycheck was direct deposited. He kept checking the online account to see when my paycheck was deposited. He finally saw it deposited into my account at 1:45am (Eastern Time). So he then pays our cell phone bill right after he saw that my paycheck had been credited to my account. Well the following day, the 16th of August I noticed an overdraft fee of 35.00. I immediately called the bank to find out why this incorrect fee was posted to my account. The customer service person said that I payed my cell phone bill on the 14th, BEFORE my paycheck was deposited. I told him that my husband stayed up and payed it at 1:45 am right after he saw my paycheck was deposited. I even offered to prove it by taking my cell phone statement into a Bank of America branch to prove that the bill was paid online on the 15th. The customer service rep told me that this would only prove when my cell phone company RECEIVED the payment. He just kept saying over and over that the debit was made on the 14th when in fact it was made on the 15th. I have given up trying to get them to credit the fee back to my account after four emails to customer service and just canned responses received in response to my emails. If anyone is starting a class action lawsuit then I am in!!!

overdraft fees

How is it that Bank of America can charge overdraft fees to my account when I have not overdrafted? They have...

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