Bank of America
Charlotte, New York
United States - 28255
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In september of 2007 i had to apply for a loan modification, with countrywide because i lost my job was seperated from my husband since feb, 07 & because i had a an ajustable rate mortgage. They told me it would be 15-45 buisness days to get a response, and that i would be called by a "negotiator". when there was a response or if more information was needed. today is April, 15 2008 exactly 7 months since the whole process started i have not spoken to a negotiator, and according to the papers i received in the mail in march of 2008 i had been approved for the loan modification, i was told by several reps from countrywide that i would receive a call from a negotiator for better explanation of the paper work i was signing. (note: i received the paper work 10 days before the deadline.) no one ever called me. i have called countrywide several times where i am transfered to every dept., and left on hold for 1 hour and a half almost every time i call. (i have phone bills to prove it) what made me finally break down is last night i called, talk to 4 diffrent people and all of them had diffrent responses, the last person i spoke to told me "oh in february of 08 you were denied for the loan modification and have to pay 3, 181.00" . she was wrong and after explaining to her that i did receive the paperwork and that i sent it back, she did not have the courtesy to apologize on her mistake.COUNTRYWIDE is rude they have no respect, sympathy, and have no idea what goes on in their own company and i hope to be able to take this compalint to a higher up, so if anyone knows what i can do please let me know how. thank you
I have not never hear of these guys until I checked my balance tonight. A check was cashed in my name that has overdraw my account. Wow!! Like it's not hard enough to keep money in the bank in the first place, but they have to go ahead and take what little is there. I just paid my monthly credit card bill too. WT[censored] Not only that but guess who gets charged? I'd rather get kicked in the @#%!
FIA cards services has made an unauthorized debit to my checking account for the amount of $150.00. Who can I contact to file a complaint? Plz advise smb!
As an attorney and a Countrywide customer, I am in complete agreement with all the comments posted, in...
I believe bank of america is manipulating "available balance" on deposit accounts as an unethical...
I have been with Countrywide for several years with no complaints, until this month when I received my billing statement. It stated my escrow amount was going to increase $25 per month due to increases in taxes and insurance. No problem. Then I noticed the actual payment was increasing almost $70 per month and I couldn't figure out why. After going over and over the paperwork, I realized they were tacking on an additional "reserve requirement" of over $40 to each payment. Looking at the projections of charges for the next year it was only showing the $25 to my escrow and no explaination of how the the remainder was being used. I called Countrywide and the CSR explained to me that the "reserve" was an "insurance policy/cushion" for any unexpected increases in taxes and insurance. When I questioned why I would be charged this amount when I was already being charged an additional $25 for those increases, she had no comment. I asked how the $40 was going to be applied and she told me it was not being applied to anything...they were just going to take my money and hold it in an account! I told her that I would pay the $25 but that I refused to pay the $40 and she needed to forward me to someone that had the authority to remove the charge. She said that wasn't a problem and if I would "hold" she would have the amount taken off my bill. That really raised a red flag to me. If this was a legitimate charge, they would not be so willing to remove it. Within a few minutes, she had the charge removed and my payment would only include the $25 increase. Even though the problem was rectified, I have to wonder if they are doing this to everyone, and how many people wouldn't question it. This charge is not being used for anything other than to draw interest for Countrywide and I can't believe it is a legal practice.
I was to ld to by FIA card services to make a payment of $110 to keep my account from being charged off and that they would settle my debt for $900. I told them to send me this in writing and they did. I made th e$110 payment in Feb 2008 and the settlement papers said that they would break up the $900 in 3 payments of $300. My first $300 payment was due on March 29, 2008. I called on March 28, 2008 to make the payment only to be told that the account was charged off ANYWAY. After speaking with a manager, I was told that B of A wasn't under any "obligation" to honor the agreement even though it is in writing. Needless to say, I am in the process of taking appropriate action to get this resolved.
Last year, after remodeling our home, we were appraised by BofA and they approved a home equity line of...
The thieves at Bank of America are good at it. I had signed up for email alerts from BOA, that way I can keep...
Bank of America has just put a hold on my home equity line of credit account without notifying me. My credit...
I was a victim of an internet check fraud scheme and Bank of America refuses to take any responsibility on...
A new policy. A manipulation of your funds. Bank of America, apparently developed a new policy that will...
I am a business owner... I applied for a business bank of america visa card... For money in money out use for...
I am a dissatisfied ex-client of Bank of America. As I kept my personal accounts with BOA, and had not experienced any problems, I opened my business account with them as well. My business was doing well, and I took out a bank of America visa business card.
Shortly after, my business slowed down, as most businesses do. The business card had a balance of just over $14k. For 4 months I was not able to make a payment on the Visa card, and had no funds available in my bank of America business checking account. My Personal checking account had just over $8k and another $2k in my personal savings account. My wife had cashed out her 401k so we could pay for our daughters upcoming surgery.
I received a (yes just one) call from the bank of Americas collection department. They wanted to work out a payment plan. I let them know that I was just going through some difficult times and was not able to structure a repayment at this moment. Sure there was about $10k in my personal accounts, but to me my daughters surgery was more important. The $10k, along with selling my car was going to cover her surgery. Well Bank of America removed ALL the funds from my Personal accounts (both savings and checking) to payoff the business credit card.
So we called bank of America. The call was redirected to a representative of bank of America who identified himself as Tobias Thompson. He said that BOA had taken the funds to collect the debt on the business credit card. Tobias said that Bank of America had every right to remove these funds as it was in the terms of business agreement. I have read it and still cant find where Bank of America can take money from my personal account to payoff a business credit card. We even explained to Tobias how the funds in the personal account were for our daughters surgery, and that is why we were not able to make payments on the business card. They didn't care!
I purchased my 1st home in May 2005. This was all new to me. The finance company that helped me secure the loan left out a lot of IMPORTANT details. Example... my loan could be purchased by a mortgage company other than the initial mortgage company at my closing. This occurred within weeks of my mortgage. Before I made my 1st payment. Purchased by Countrywide and HSBC, a split mortgage. That was not explained to me either, split mortgage. Did either mortgage company contact me to see if I understood everything, or had any questions, NO neither did. I had to ask around what a split mortgage was as the finance company who helped my get my loan was no longer in business. Guess as long as the mortgage companies have someone's name on the dotted line, that is ALL they care about.
My story is the same as TOO many others. I signed my contract not realizing what a ARM was or meant. My payments more than doubled after 2 years when my ARM came up with Countrywide. HSBC did not increase my payments. How could Countrywide raise them, but not HSBC when I only signed one contract when I bought my home, not two? My house now has been set for a Sheriffs Sale next month by Countrywide. It has been on the market 10 of the last 12 months.
When trying to discuss things with Countrywide, I was informed it is "my fault" because I didn't inquire about a ARM before signing the paperwork. It was all wrote out in my contract. They did not care about me, my finances, or the fact I am loosing my home at all, not to mention nothing was explained to me about ARM's. Yet the CEO of Countrywide got 192 Million dollars for "compensation fees" in 2007. Wonder what his salary was??? This was on the National News. I hope the FBI hits Countrywide HARD for the things they are doing and have done to their customers. FBI investigating was on the National News also, a different day!!
I was told at my closing "pay your payments on time for about 2 years, refinance then and you will be able to get a lower interest rate." NOBODY bothered to say "in 2 years your ARM (and explain what that is) will be up and your payments will almost double from the payment you see now". I was FLOORED when I realized 1 1/2 yrs after buying my home what my new interest rate and payment will be. I no longer can afford my home and as I stated, is starting to go through the foreclosure procedure. Instead of improving my credit by purchasing a home, it is now being destroyed, FOREVER. If you are buying a home, while sitting at the closing, be sure to ask questions like, "in a few years will my loan change and if so to what & for how long".
I guess thinking back now, I should have made everyone sitting at the closing table wait while I read EVERY line on EVERY page of my contract. Because I have 2 "mortgages" - split mortgage with different companies, with different terms in the fine unexplained print.
I HAD A LOAN WITH A HIGH INTEREST RATE WITH COUNTRYWIDE AND TRIED TO REFINANCE// THEY DENIED ME// THEN WAS ABLE TO REFINANCE WITH A BROKER WITH AN FHA LOAN FOR A 30 YEAR FIXED RATE OF 6 1/4 PERCENT//// I HAD TO PAY A HUGE PRE PAYMENT PENALITY OF OVER 5000.00 DOLLARS TO COUNTRYWIDE TO DO IT// THEN COUNTRYWIDE BOUGHT THE LOAN IMMEDIATELY BACK FROM THE BROKER THE DAY AFTER CLOSING// HERE THEY DENIED ME AND WANTED TO KEEP ME AT THE HIGHER INTERST RATE BUT THEN THEY ACCEPTED THE LOWER LOAN FROM THE BROKER STEALING MY 5000.00 DOLLARS/// AND MY MORTGAGE COMPANY WAS COUNRTY WIDE AND STILL IS LEAVING ME OUT 5000.00 DOLLARS AND NEGATIVE EQUITY IN MY HOME// ITS PRACTICES LIKE THIS THAT COUNRTYWIDE DOES TO KEEP PEOPLE TIED TO THEM NO MATTER WHAT IT COSTS THE CONSUMER// THEY HAVE FAILED TO ANSWERE MY CURRENT LETTERS I HAVE SENT THEM AND FAXED THEM AND THE BANK COMMISSIONER FROM PA ALSO SENT THEM A LETTER THAT THEY HAVE NOT RESPONDED TO// THEY ARE THE ROOT CAUSE OF PEOPLE LOOSING THEIR HOMES AND BEING IN FINANICAL TROUBLE.....
I once had a credit card issued by MBNA. Once they were bought out by Bank of America, my credit card was now the property of some fools known as FIA Card Services. I had authorized them to take out the minimum payments due from my checking account on the first of each month, thereby never missing a payment, and not being accessed a late fee. All of a sudden on January 1st, 2008, i noticed they began to debit my checking account TWICE for the same amount. So I phoned in to figure out what was going on. They apologized and told me they'd wire the funds back to me and i should see it post back into my checking account the following day. Long story short, I waited 11 days to get that back to me after long hours on the phone arguing with these incompetent individuals. During that call, I revoked the authorization to debit my checking account and demanded my bank's information be deleted from their system. Come Feb 1st, again 2 drafts were debited from my checking account. Again I waited days to get the money put back into my account. Same thing in March. I have had enough with these fools. How dare they think they have the ability to just draw MY funds whenever they want. They are nothing more than crooks and criminals tapping into my hard earned money in order to grab an interest free loan. I have filed a complaint to the Better Business Bureau of Delaware about their illegal practices of basically stealing $ from client's checking accounts. In the complaint, I have also requested all bank fees be refunded due to overdrafts caused by their unauthorized debits, AND in addition, I want compensation for the headaches, and interest for the days I basically 'loaned' them my money (and that interest rate is at the HIGHEST possible interest rate allowed by law). Should this occur again in April, I will be filing a small claims lawsuit against them, or even will consider a class action law suit should I find out they are taking advantage of more individuals other than myself.
In December 2007 sent $415.00 to Eric Park at the cooperate office for Country wide mortgage. The paperwork the company sent me was completely different than our verbal agreement. I therefore called Mr Eric Park and canceled the agreement. He said He would return the deposit. I have called his at least 10 times and left messages with no returns. I have called his manager 2 times ( Ephraim Farol) at [protected] ex 3569. He has not returned my calls ether.
Yesterday 3-8-2008 I called again and added the vice president of the company to the calls (Shawn Welcher) at [protected] ex 4265. He also did not return the call.
The proposed loan number is [protected] dated [protected].
I recently moved to Alaska to help my aunt out with her three children and house while her husband wa...
We were contacted by the Birmingham, AL office of Countrywide to refi our home. We gave them some info and they said we were approved contingent ONLY on our house appraising a certain amount. We paid for the appraisal, credit report, etc. They did the same thing to us that was posted earlier by someone. They took our money and told us this beautiful time-frame they would close in so many days...never happened, still hasn't happened. Our loan status on their website says we were declined for our loan. We were upfront about the things on our credit report since we had had a lot of sickness in the last 5 years....but before taking our appraisal money we were told the credit report did not matter and were pressured to take our appraisal money. Buyers beware and run for your life. The only time-frame promise that was kept with this company is the IMMEDIATE debit to our checking account when they took the appraisal money from it. So since then all they did was pass the buck to someone else. This company absolutely promised they would do things speedily and this proved to be absolutely false. When we were finally told we were declined I requested my appraisal fee back and the loan officer forwarded the call to the "branch manager" who I informed how I felt about their practices. I informed him that we felt we were treated like a sales number not individuals. He assured me this was not the case and as I started to hang up the phone he had to ask what my name was. This has been a total 3 ring circus for us and I wish I had never answered the phone the day they called. Run as fast as you can to a mortgage company that will be honest with you. Not only our time was wasted but we were given false information and false hope that sure doesn't help when you have already been suffering from major depression for several years. This office's right hand never knew what the left hand was doing and I have never dealt with a company that was as disorganized and incompetent. Again, run don't walk away from Countrywide unless you enjoy run-a-rounds, voicemails from loan officers saying they "will be in training all day," voice mails from those individual's supervisors that never return calls, repeatedly asking for the same documents that you have previously faxed them and all along wondering why they bothered to call us trying to refi us in the beginning. By the time they decided they would deny our loan I was totally relieved that I could stay with the company we've had and rather just keep the interest rate where it is because at least I know my original mortgage company is honest. Since this happened I've learned we are not the only ones that have had similar problems, but luckily we are not financed with them because it could have been much worse as I've read many horror stories since from people who have been financed through them.