Bank of America

I'll keep this simple. I always paid my mortgage on time. I had countrywide. Boa took over. I had a death in the family in december and other craziness going on. I somehow missed paying my mortgage for the first time in my life of being a homeowner. They did not leave me one voicemail message. (I had a lot of 800 calls that I did not answer as I thought it was sales calls—and no one left a message which a rep told me was not usual) I also did not get an email reminder either. As a result, they sent me a letter which was received early in january that my payment was not received. As soon as I got the letter I ran to my computer and researched frantically to see if they were right. The funds had not gone out of my account. I made a payment immediately. I also called and asked why no one contacted me. No one could answer and said it was no usual. As a result they reported to the credit bureau my late payment and my credit is now ruined, credit cards rates went through the roof, etc.

The last correspondence I received said "bank of america provides collection calls as a courtesy to our customers, and are not guaranteed. " ###s. I let them have it again. They suck to say the least. Keep an eye on them. They have a bad reputation with mortgage procedures. Again, never had a problem with anyone else.

I have had a credit card with Bank of America since 2003. When I first opened my account I had a Checking and Saving accounts as well as my credit card account. I had problems with my checking and savings accounts within two years of opening the accounts and choose to close them as opposed to contiuning to do business with Bank of America. When I closed my checking and savings accounts I was informed that if I choose to close my credit card account it would effect my credit score negitatively. I had not had any problems with the account so I kept the credit card open. I have always made my payments on time and paid slightly over the minimun required amount. On my most recent billing statement the payment from last month (April 2011) was not credited to my account. I called to inquire why this payment had not been credited to my account even thought the check has already been cleared through my current bank account and after being transfered three times was told to contact my bank and advise them that a processing and coding error had occurred. I have the proof that Bank of America received my payment however they have taken the position that my check is not enough proof of payment for them they would not even advise were a copy of my check could be sent to dispute this matter. This is not legal and I plan to continue to dispute this issue with them. I would never recommend this company to any I know.

Recently, I was charged around $700 in overdraft fees from my Bank of America Checking account. The problem originally started when I made an accounting error and left my checking account with insufficient funds. I did not realize this, and used my debit card for my normal spending (many small items such as gum, drinks, etc). I used the card around 25 times and was not notified once that there was insufficient funds to cover the amounts.

Therefore, I was charged around $30 every transaction. It was only when I checked my online statement that I found this out. I promptly called Bank of America to try to get my money back, however they would not budge. I asked why they would let me keep charging small items on a card when the account did not have enough funds (although I knew the answer was so that they could keep charging fees and making money).

I remember reading somewhere that they made around 40% of their banking profits on overdraft fees alone, now I believe it. I have been a member with Bank of America for over 10 years and cannot believe what they are doing is not illegal. Also they raised the rates of 2 of my “fixed rate credit cards” for no reason other then “they did not like my payback habits” (although I was never late).

Shame on you Bank of America.

Let me start off by saying, I'd have loved to post my complaint directly to Bank of America's website… but they require a login before doing so, and unfortunately the inability to log in is the crux of my problem. Too bad BOA, your system is biased against people having problems with your website.

***

Here's what happened. I had a semi-urgent task to complete in Online Banking, and upon logging in the same way I always had, the site kept telling me "You have not entered your Online ID. Please do so and click the Sign In button."

I had indeed selected my ID. The site just wasn't acknowledging it.

The response that I was given was that "you are an esteemed Private Wealth Management customer" and "Though it is a privilege to assist customers like you, our bank has marked your accounts to receive assistance from our Relationship Manager appointed especially to manage your accounts."

Fine. Frustrating that my "esteemed" status required me to jump through more hoops, but oh well. So, what's the contact information of my Relationship Manager?

The response to this question - TWICE - was to "call us at 1.800.878.7878 and receive the same dedicated assistance. We are available 7 a.m. to 10 p.m. Monday through Friday Eastern Time."

The second time really bothered me; clearly BOA has not empowered its customer service staff to think for themselves, so she just went right back to the script and posted an identical answer **and I mean identical** a second time.

At that point, I'd had it. When I need access to my account, I need access to my account. Bank of America, you can either make this easy on me, or hard on me. I don't have time to jump through hoops at 850am on a work day. BOA completely failed me today.

We submitted our application for a loan modification with Bank of America on September 9th of 2010. This was after an initial rejection the previous summer and a subsequent call suggesting we apply again. Now, after seven months of dickering and constantly asking for more and more information we have been told that our request has been denied and that our hardship was not severe enough. Given that I went from a nearly six figure income in 2009, to $10K in 2010 as an under employed salesperson, I am at a loss to understand what then constitutes a hardship? We are living off our savings and the income of my invalid mother who I care for in our home 24/7. I left my last employer after they slashed my pay and had to bring my mother into my home to care for her as I could no longer pay to have her cared for at an assisted living facility. I do not collect unemployment nor any other financial assistance to help care for my mother. I refuse to place her in a nursing home as the quality of care in such facilities here in Georgia is, on the average, substandard. I promised her I would care for her as long as I am able. We are barely getting by and it is only by withdrawing money from our 401K that we have managed to survive this last year and a half. But at this point our savings are almost gone and yet we are being told our hardship is not severe enough. I only wish we had the same opportunities the banks had when they applied for their bailout money back in 2008. They filled out a two page request form and simply had to ask how much they wanted. At this point I am not sure what we can do. If I could refinance it would probably help, but with my current income situation, and the size of my mortgage, no financial institution in their right mind would consider me regardless of how current we are on all our bills. We have not had a late payment in many years but that could easily change here once our savings are gone. I am just frustrated and to put it mildly, annoyed at a system that favors the rich at the expense of everyone else.

Discrimination report that happened
The bank of America
In Kirkland WA.
Antonio r filho
9415 ne 40th st
Yarrow point WA 98004
[protected]
[protected] [protected]@yahoo.com

On May 15th 2009 I went to the bank of America in Kirkland WA to deposit my check of
1054.29 which I do weekly after I get my pay check. That Friday I went to the drive through
And talked to this lady called DONNA and she greeted me and after receiving my check she
Said that, because of the new policy she would put a hold on my check for 5 day because
My check was not a bank of America check. I was confused because I never had this kind
Of problem and a week before my wife had deposited the same amount and the same
US BANK kind of checks and had no problem. I told her that I would want the whole amount
Available right away and she repeated “NO YOU CAN’T “. Then I said I want to see the manager.
I went inside to see the manager and He told me the same thing. That I could not cash that
Check and that they would put a hold for 5 days on my check.
I went my way but I called the customer service of bank of America, and they told me that they
Never her that the bank was putting a hold on checks that were not from bank of America and
That I should go to any other bank and they should be able to help me. I went another bank of
America and they said that this is not a policy that BANK OF AMERICA adopts.
At that point I noticed that I just had been a victim of racial PROFILING and I had an idea.
My wife was home with my son and I called her and asked her to help me to deposit and cash
Some money. The only difference is that SHE IS WHITE and I thought that was the issue my
Skin called and probably the fact the I’m DARK SKIN MALE.
She came with me to the same Bank in Kirkland and went in the bank
With the same check BUT THIS TIME THEY DEPOSIT AND GAVE HER 375 CASH BACK.
There was never a question or about the check and it was the same Check that I tried
To deposit 55 minutes before. I talked to the manager and he got very defensive but
Never apologized to me and my Family.

I would like for someone to help me to get this story on the media either local
Or Nacional of HOW BANK OF AMERICA AFTER TAKING A BAILOUT FROM US
IS TREATING THE AMERICAN PEOLPLE. I do pay my taxes and I am an American citizen.

Thank you.

Discrimination claim against Bank of America.

On January 5th 2011, I Antonio R Filho went to bank
Of America on 10555 NE 8th ST, Bellevue WA 98004.
I drove to the window of the building to make a deposit of
Payroll check in to my checking account. The teller advised
Me that my check would be on hold for 2 days before I could
Receive any funds into my account. I said that I would like to
Talk to the manager and she asked me to come inside the building.
Once I got inside the building I was helped by this lady called Gloria (Manager of that branch). She redirected me to
To talk to Mr. Brian S. Jones ( Senior Vice president).
He told me that my check of 1054.29 was too much money
And that check WOULD NOT HAVE IMEDIAT FUNDS AVAILIBLE TO ME THAT DAY. I tried to understand the
Problem but because this happened twice before with me I new that it was because of my SKIN COLLOR That he was
Not going to release the funds. I asked him to check my
Account history on that check for the fact that it was a PAYROLL CHECK that was deposited every week but
He asked me to go to another BANK.
I went home and asked my wife to come with the SAME CHECK and deposit it into our account. SHE HAD NO PROBLEM WHAT SO EVER WITH THE CHECK.
They gave her immediate funds to her but 2 hours before they
Said no to me.
This happened to me 3 times now and I’m tired
Of being discriminated by this bank. I am an American
And it does not matter if I’m not white and my wife is,
I still want immediate funds when I go to a back if that
Bank offers that to there customers.

Please help me to stop this from happening to anyone
Who might try to go to that bank or any other bank that
May be practicing this kind of discrimination.

Thank you.
Antonio r filho
9415 ne 40th st
Bellevue WA 98004

I may be getting forclosed on by Bank of America because Bank of America Mortgage is not posting payments or they are posting payments ten to twenty days after they get them. I made a repayment plan with Bank of America in Januaty 2011. I was to pay $900.00 by 1-25-11, and I was to pay $1040.00 by the 25th for February through July 2011. I made an allotment. In the end of February, I called because by payment from [protected] was not posted. I was told that they were behind on posting and not to worry. On March 7th, Bank of America posted my 3-4-2011 payment. Where was my Feb 18 2011 payment? I called. I have this paymejnt set in an allotment. A treasury check is sent to this company. It will be 60 days before I can get a copy of the cleared check. Although they got my March4 2011 payment, they did not post my March 18 2011 payment.

I think this is a conspiracy and common practice of this company. On March 26, 2011 I had stopped the allotment and set up for my April 15 2011 payment. They charged me $20.00 fee to be taken on [protected]. They took it on Monday [protected]. So they have to hold my $1040.00 and run it on [protected].

This company does not care. I now have to look for a Mortgage attorney to help me with this mess. All because Bank of America is paying with payments. If anyone is having this same problem, let me know at [protected]@gmail.com

TD577 Works for Bank of America! FYI, he is getting paid by the company to come on- line and try to confuse people with the facts about his banking industries corrupt practices. He will pop up on everyone's letter of complaint but only for Bank of America. This is his full time job. He is getting paid to make ignorant comments and to criticize people, he is a cooperate vulture at B of A, FYI to those who chose to dare write about his company. He is the opposite of what this website was created for (CONSUMERS.) The big cooperations have nothing better to do, since they are not helping consumers at all!

My wife went into our local BofA branch in West Islip, NY to have them provide a medallion guarantee (MG) of her signature. The MG is to be used to transfer the stock of her recently deceased father into her name. The MG is nothing more than a stamp from a bank acknowledging that her signature is correct, sort of like a notary. Since we have our accounts at BofA, and they have her signature on file, this is an easy thing to do. It's also a requirement of the bank. Unfortunately, she came across an idiot in customer service that refused to provide this basic service. She went back the next day with a death certificate, court letters and a note from our attorney. My wife was refused again. The woman was extremely rude. Everyone in the industry (including me) knows that this is no big deal and should be a service provided. The other thing we all know is that BofA is the worst client service bank on the planet. I worked for them and can attest to that. Let's all boycott this backwater institution.

CUSTOMER RIP OFF Bank of America Rips off our company continuously with fees whenever they like, for monthly services, when you have done what they asked for.
Offering misrepresentation of services & fees for the services so they can collect fees for these services once the trial period has run out. This company is just a complete RIP OFF DO NOT DO BUSINSESS WITH BANK OF AMERICA THEY WILL TAKE YOUR MONEY WITHOUT RECOURSE.
DO NOT BANK WITH BANK OF AMERICA RIP OFF ARTISTS
BANK OF AMERICA CON-ARTISTS STEAL YOU FUNDS.
OBNOXIOUS BANK OF AMERICA RIPPS OFFS CUSTOMERS EVERY MONTH !

After 2 years of submitting a hardshipp letter along with all necessary paperwork needed they finally tell me they can't help me and my family. I have all the proof to show I have sent this crap 4 times in 2 years. Then they tried to stall and start asking us bogus questions. Asking us who else is renting from us? We don't have any rental property... If we did do you think we would be asking for help. They then ask how much social security are we recieving... Hello! Me and my husband are under the age of 50. I have never seen anyone ### around as much ar bank of america. My husband had been laid off for 2.5 years and barely getting back on his feet. Thank the lord he is the only that will be saving us from these crooks!

Two years ago I lost my debit card. Went to BOA branch and reported it they issued a new temp card.You would think BOA would put a stop on a lost card. I found out two years later when BOA called me detecting fraud. Over 20 fraudulent charges were posted the same day.To my surprise the charges were made on a card reported lost and should have been cancelled 2 yrs ago. I contacted BOA and reported the fraudulent charges some of which are reaccuring charges if not stopped would continue every month. The Fraud Dept assured i will get credited for these charges and no other charges could be made. A week later 15 more fraudulant charges were made to the same card. I could not see how they allowed this since the card suppose to have a stop on it.Called again got the same re assurance and 5 days later more fraudulent charges. Now they allowed the fraudulent persons to back date the bills and the charges still went through. Frustrated I decided to draw out the remaining money and close my account . Easier said than done. I closed my account.Then when BOA credited the fraudulent charges the account reopened without my permission. Guess what the fraudulent charges began again once the account re opened against my will. I again went to the bank complained and they closed the account again. They cant seemm to explain why my account remained active but went and closed it. I requested any credits to be sent to me by check. A week later BOA posted a credit to the closed account and re opened my account without my permission again.Like before once opened the fraudulent charges continued. Being totally frustrated I went to the bank compaining. A closed account should be closed period.Any activity to a closed account should be denied plain and simple. Not at Bank of America so if you have fraud to an account and close it is good chance it is not closed. Nothing in place to stop someone from crediting a $1 to your closed account re opening it and charge you a $100 or more in fraudulent charges a week later . Well so frustrated I contacted the OCC (Office of Currency Commisssioner). The site online and you get the form and file a complaint by mail. Not long after my complsaint was received, I got a call from someone at executive office of BOA. They tried to play stupid. When I asked how was charges made to a card reported lost 2 yrs ago and why i can not close my account where its truely dead they could not answer it. I responded when the OCC ask you that I am sure you need to give them a answer. The next day the problem was corrected. remember if you have a complaint like this against BOA submit the compaint to the OCC Office of Currency Commissioner that regulates banks.Hopefully with enough complaints submuitted the OCC will stop this Giant from doing what they want to the hard working citizens of the US.

Shirley,
Are you interested is going to small claims to file a complaint?
Recently I made a cash deposit at an atm at bank of america. I didn't have a deposit slip with me. I tried to

Go inside the bank to a live teller because it was cash. I know that I was on camera with $200.00 cash at that

Point. The live teller told me that they switched my account to ebanking (Meaning that I had to go to the

Atm to make the deposit because that was the type of account I had to only use the atm). She assured me

That this is done all the time and they never lose a cash deposit in the atm. So, I had to use the atm

Machine. I explained that I did not want to deposit cash into the atm. The live teller directed me to the atm

Machine outside. I was also told that I did not need a envelope for a cash deposit.

I went to the atm outside and proceeded to make the deposit for $200.00. The machine had two areas for

Deposits. One area for cash and one area for checks. I was not sure where to put the cash. I saw a location that

Said cash and I put the money there. Therefore, I did not put the cash in the correct place and I did not get a

Receipt. I put the cash in to area that said cash but I guess it was the cash output area and not the cash input

Area. I tried to get the money back from the incorrect slot. I was able to fish out $40.00 but I could not get

Back the $160.00. I immediately went back into the bank. I was very upset and I started crying. I had just got

Laid off and I could not afford to lose money. Deep down I knew that I would never see that money again.

I was told to call the customer service line and they said they would temporarily deposit the money in my

Account until the investigation was completed. I just got a letter from bank of america and I was told that

The cash was not found.
I asked several times for the bank to check their video cameras. I went to a live teller to make the deposit

Initially to put the cash in the account. They could plainly see me with the money.
I never heard back from customer service. I received a letter in the mail stating the investigation was over.

They would be charging my account.
So I had the case re-opened. I still haven't heard from customer service. And have never received any

Information detailing how they did their investigation. And my money has not been re-deposited in my

Account.
My theory is they have dis-honest employees.

Enough is enough. I feel like a lot of poor innocent people are being taken advantage of.
I am contacting an attorney tomorrow to see what my rights are.

Recently I made a cash deposit at an atm. I didn't have a deposit slip with me so I went into the branch to get
One. I wanted to go to a live teller as well. I went inside the bank to a live person teller because it was a cash
Deposit. I know that I was on camera with $200.00 cash at that point. The live person teller told me that bank
Of america had converted my account to ebanking (Meaning that I had to go to the atm to make the deposit
Because that was the type of account I had to only use the atm).

She assured me that I did not need a deposit slip or envelope to deposit cash into the atm and this is done all
The time and they never lose a cash deposit in the atm. So, I had to use the atm machine. I explained that i
Did notwant to deposit cash into the atm. I was told that I had to use the atm machine outside.
Well bank of america has new atm machines. I had not used this type of machine before.
I went to the atm outside and proceeded to make the deposit for $200.00. The machine had two areas for
Deposits. One area for cash and one area for checks. I was not sure where to put the cash. I saw a location that
Said cash and I put the money there. Therefore, I did not put the cash in the correct place and I did not get a
Receipt. I put the cash in to area that said cash but I guess it was the cash output area and not the cash input
Area. I tried to get the money back from the incorrect slot. I was able to fish out $40.00 but I could not get
Back the $160.00. I immediately went back into the bank. I was very upset and I started crying. I had just got
Laid off and I could not afford to lose money. Deep down I knew that I would never see that money again.
I was told to call the customer service line and they said they would temporarily deposit the money in my
Account until the investigation was completed. I just got a letter from bank of america and I was told that
The cash was not found.

I asked several times for the bank to check their video cameras. I went to a live teller to make the deposit
Initially to put the cash in the account. They could plainly see me with the money.
I never heard back from customer service. I received a letter in the mail stating the investigation was over.

They would be charging my account.
So I had the case re-opened. I still haven't heard from customer service. And have never received any
Information detailing how they did their investigation. And my money has not been re-deposited in my
Account.

My theory is they have dis-honest employees.
Enough is enough. I feel like a lot of poor innocent people are being taken advantage of.
I am contacting an attorney tomorrow to see what my rights are.

Sincerely
Arlene mcclain

Arlene k. Mcclain
11241 cherry st los alamitos, ca [protected]
The boeing company - ids division
Long beach, ca 90815
Phone: [protected]
Home: [protected]

Dear sir, madam
My name is Ceyhan inci, i applied for loan on internet.I gave all my bank details to Loans Finder and i did not get any loan.Then i cancelled my application.And Loans Finder company set up direct debit two times from my account.I cancelled them either.But they settled again and took my account £ 67.00 (some peny) But we were not agree paying £ 67.00. So i need your help.How i can get my money back.If can you help me i will be very happy.
Kind Regards
Ceyhan inci
[protected]@yahoo.com
[protected]

On 3/2/2011 I applied for a position for a Human Resource Manager for which I am more than qualified. I have 30 years of banking experience and 10 of those years were in Human Resources. In less than 8 hours, I received an email saying that I was not qualified. I am concerned that so many "decisions" are being made by computer programs, that companies are missing out on opportunities to hire the most qualified individuals. Are these programs designed to "screen out" candidates, rather than identified the more qualified candidates. Are these companies seeking to manage their expenses by hiring less experienced candidates? I would like to know how we are supposed to help fuel the growth of the economy, when we can not gain meaningful employment in roles that we are qualified and over qualified for.