Bank of America
Charlotte, New York
United States - 28255
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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".
This is the last letter I sent to Bank of America. As of Sep. 2, 2008, this is still not...
Reps there lie about their names and mphantom offers for buyers who do not exist. They will call you with a fake name then call you back with another to close you. The pitch goes like this: hI YOU ARE A CLIENT OF OURS... DO YOU HAVE YOUR ADMIN NUMBER??? ( A FAKE NUMBER, NO MATTER WHAT YOU SAY YOUR WRONG...) THEN THEY WILL PROCEED TO TELL YOU, HEY HOLD ON LET ME GET MY PROPERTY MANAGER OR VICE PRESIDENT OR WHOEVER... LIES ALL JUST SALESMAN... SO DONT BE FOOLED WITH AN ILLEGITIMATE COMPANY... ALL THEY DO IS STEAL MONEY FROM PEOPLE AND RUN... NEVER RETURNING PHONE CALLS AFTER YOU SEND THEM MONEY!!!
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.
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.
Beware old customer or new customer: Bank of america is doing what is called a research fee which charge...
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.
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!!!
How is it that Bank of America can charge overdraft fees to my account when I have not overdrafted? They have...