Charlotte, New York
United States - 28255
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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.
In 1996 we had a little financial difficulty which resulted in our first ever late payment (two weeks late). I sent in the late payment with lates fee and the up coming monthly payment to them. Two weeks later to my surprise when checking my mail, Countrywide sent my two payments back to me! When trying to contact anyone one the phone for days on end it was impossible.. no one knew anything of course and could barely speak english. I continued to send my payments with the original two payments in to them on time and they were all sent back, FIVE months worth of payments!
Please keep in mind that this was five months of trying to get to the bottom of all this with people that knew nothing and or had no answers to anything! No managers or upper staff available. I was however transfered to a ladie that was of foreign dialect... the only words that I could clearly hear was that I was in foreclose review! Thus my wife and I knew that we were screwed! Lost the house.
Now I will state that what I posted is the Truth!!
Reading everyone's complaints has confirmed what I have suspected all along -- that Countrywide and this rogue "debt collector" they employ is ripping off good paying customers! I wasted 30 minutes of my time this morning fighting with them and I was NOT going to be assessed a late fee. After arguing that long, they did reverse it, but some of us need to get together and start a class-action suit against this bunch of thieves! I have also had a perfect record with these idiots -- no late fees and no late payments, for 3 years. So I brought my payment to a Countrywide branch last Friday, the 15th. At the branch it states that if you physically have it there by the 16th, they will not charge you a late fee. Due to the 16th being a Saturday, it technically wouldn't be late until the 18th. So I went to my online bank acct on the 20th and the check had not posted! Weird. I went back on the 21st and it still had not posted! Finally, I got a call from the "debt collector" on the 21st. I went online and saw the payment had just posted. And they added a late fee. I could have walked the stupid check from Carlsbad, CA to Van Nuys, CA where the payment is sent. It is only 100 miles away or less! It should not take 6 days for something to post. I think they are holding onto checks, saying they never got them, and then charging late fees to people to make a profit!! And when I told them I have a receipt from their branch that shows it was brought in on the 15th, they could care less! They said the branch shouldn't tell people that a late fee won't be assessed as they are not a payment processing center. Hel-LO -- this is NOT a franchise -- the branch is part of their corporation!! I am not to believe anything one of their corporate offices tells me and the onus is on ME to figure that out?? I have a feeling they also "lose" payments sent by U.S. Mail. How convenient. I think they hope some poor saps won't fight back and they can make more money by charging late fees for payments that aren't late, to make up for their losses! I saw that the attorney generals of Florida, CA and 2 other states are looking into the unfair business practices of Countrywide. We all know they are the "subprime king" and lent money out irresponsibly, but it also said something about they are investigating how payments are logged. So let's lodge complaints with our attorney generals and if you hear of any class-action lawsuit against them, let me know!
I was called a "valued" member for my Mastercard account (which I've had since 1988) by an FIA card services representative today. A cardholder for 20 years and one that pays off her balance every month should mean something shouldn't it? Not as valued as one might think though. When I spoke with an "account manager" as she called herself, she refused to credit my account for a late charge that was assessed because I failed to make my payment the business day before the due date. I paid my balance off on due date but it only posted the next business day so I was assessed a $39 late charge plus finance charges for a balance that was under $300. I felt like a child being lectured about how it was my responsibility to make the payment timely to ensure it posted on paydate and that if I would have called and paid $15 to initiate my payment over the phone rather than over the internet my payment would have been timely and the $15 fee vs the $39 late charge would have saved me money. I explained that my husband's father was just diagnosed with a terminal illness so things are in a bit of chaos right now and the response from the "account manager" was that everyone has things going on in their lives but they still have to make their payments timely. For a customer of 20 years I felt that I was treated very coldly and that FIA's "account managers" are not at all customer service oriented. I asked to speak with a manager but the "account manager" refused saying all managers were in meetings and she could handle my account. I asked for a manager several times and was finally told they would have one call me back within 48 hours. Rather than refunding the late charge she was willing to honor my alternative request to close my account - 20 years - means nothing.
Bank of America is the worst bank in all directions of time and in every dimension. This is not an exaggeration, simply a fact! They do not credit erroneous charges even if one has proof. This has happened to me a couple of times with them. They are allegedly in bed with the Bonesmen and freemason society groups and will harass anyone if they dare say the truth about the awful business that they are!
Plus they will steal your money by not honoring the proof of the erroneous charges even when the business said they gave a credit. They are alleged thieves like Andy O'Niell who is President of Valley Bank in Helena Montana who closed my accounts for no reason other than to harass me, and then had the audacity to keep over two hundred dollars I had in one of my accounts. He is a liar and a thieve, and I BELIEVE he will soon be behind bars. And, I BELIEVE he ain't going to like the Helena jailhouse! You see Andy is on many boards that have to do with banking thru out the state of Montana. I wrote our banking committee in the Senate in regards to Andy but I believe they are just like him only in different skins! They have not helped me, and yes I do in fact sign part of their paycheck!
Truthfully, Karen Romero.
We have a personal checking and business checking account both with various credit cards through BOA. Due to the real estate market, we became behind on the business credit card payments. My husband alerted BOA of the situation which they agreed to take 35 cents on the dollar for the 2 credit cards for business, but with a payment plan. Last week, the drafted my PERSONAL account for 100% owed on 1 card and 50% owed on the other, causing everything else I had to overdraft. I am closing my accounts. They say they are "within their right" per our credit card agreement.
I noticed on my fiancee's checking account statement that a deduction of $125 was made on 1/31/08. This was paid to the order of FIA Card Services. It was an electronic funds transfer and shows my name and address but I did not authorize such a deduction, and I certainly did not ever tell anyone to take the money from someone else's account! I will look into this further today to see what amounts of money has been taken by FIA in the past months. I see that there is a complaint listed on this website against FIA for something very similar (dating from July 2007). What is going on...
I opened a savings account with Bank of America after having a checking account with them for the past 12 years. I have done all my banking online so I figured it was just as well to process my order online as well. I clicked on the create new account part of the website entered all of my information and requested that funds be taken from my checking account to start the new acct. I got a confirmation notice that my request could take one to two business days and that if approved my information would then be viewable online and I would get my new card in the mail within two weeks. I figured that was fine.
I waited not just the two but three business days before checking online and was not surprised to see I had been approved and had a new savings account already set up. However what was surprising was that it showed at a zero balance and my checking account still had all my funds without any pending transaction letting me know that there would be money being transferred to my savings as I had requested. Well after having read all of the information on having a savings account with them I knew I'd be getting fees charged without a minimum balance so I decided to request anew that money be transfered from my checking. I immediately saw this transaction as pending and my checking account now only showing the lesser amount as available so I was certain this new transaction would process correctly.
Now having a new savings account with a proper balance and my checking account still adequate enough to fulfill all of my pending transactions I did not have a further need to look into it again in any immediate time. A few days later I decided to log in once more just to ensure the pending transaction had processed and everything was indeed in order I find more funds in my savings acct than I had originally in total and a checking account in a very nasty negative red number. Altogether there were five overdraft fees totaling $175. I started to only slightly panic.
I checked my transactions and noticed that both my second requests to transfer from my checking to my savings, and my original request, which was no where to be found when I submitted the second, had both processed on the same day and were now sitting in my savings account which had suddenly swelled to a number I did not have originally in both accounts combined. The total was the amount of both transfer requests combined. I immediately realized the error, but somehow knew that if I called customer service they would see what I did and would help me get my account straightened out and reverse those overdraft fees. I could not have been any more wrong.
The first representative I spoke to, Michelle, very politely listened to my situation and placed me on hold assuring me she would find out how to help me out. I waited on hold no less than 5 minutes and when she returned the politeness had suddenly vanished and instead in a curt voice I was told that I was responsible for the error and that I would not be refunded. I asked why and was told that the error had occurred in "the online banking" and so Bank of America would not refund me.
"Well," I thought, "if the error occurred in 'the online banking' and so she can not help me, I should speak to someone in 'the online banking.'" So I asked to be transferred she, suddenly polite once again, assured me she would get ahold of an online banking representative and then transfer me and again I was on hold. No less than 8 minutes this time. When she returned, the politeness doing it's magical disappearing act again, she informed me again that the error was in my negligence and that I would not be refunded any overdraft fees because I should have known via the pending transaction that the original request was already being processed and that online support could not help me because the original transaction was done at an in bank counter.
Forgetting for a moment that I never requested any transaction inside a bank, although not to forget it completely because it is important, my original woe had been that I did not see the original transaction pending so therefor proceeded, as hopefully expected from an honest customer, to assure proper funds in my savings account by submitting a second request to transfer funds. And not only that but when a transaction shows as pending in Bank of America online banking, it does not count that amount towards the available balance so even if I had wanted to transfer more money than I had in my checking, by the system itself it would have been impossible if the transaction was indeed pending.
I knew I was getting nowhere with Michelle so I asked for her manager. She declined to transfer me because she stated her manager would not get my money refunded either. However I persisted and soon was left on hold again. No less than 10 minutes this time; the hold times getting noticeably longer each time. So next I spoke to Michael, he gave me his last name but I won't say it. Michael the supervisor politely listened to my complaint again along with the lack of logic from the answers Michelle had provided and preceded to let me know that I was responsible because I had knowingly requested the original transfer at a counter inside a bank and that seeing the pending transaction online I should have not made the second request. He never lost politeness but it was very obvious he listened to nothing of what I had said and knew nothing about the way his employers website worked.
I decided to stop there because it really was getting me no where, but I'm now really at a loss about what to do about this. I know that I should not be forced to pay those overdraft fees because it is not my fault, and I don't even know how to submit a BBB complaint because I don't know what Bank of America location I should submit the complaint against because I don't know which one handles "the online banking" for accounts in Texas.
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December 28, 2007 I discovered that mine and my daughters vehicles had been vandalized. I immediately called 9-1-1 and my insurance company to start a claim. Today is January 7, 2008 and my vehicles are still sitting in my driveway, undrivable and unrepaired. How long does a claim normally take? All that was done was the windows were busted out. I have complained to my insurance and they assured me that this is normal. We are still looking at 1-2-3 days before anything can be done. I am so frustrated!!! I have never witnessed anyone having this kind of problem with insurance. I call 3-4 times daily trying to find out what is going on. I leave messages with no response. Noone ever answers their phones. And noone wants to pursue my complaint. Any suggestions?
I've never missed a payment with Countrywide Home Loan's Inc until November 2007. I am ultimately...
I find that communication between Countrywide Home Loan Inc. and me the customer is severely lacking. I don't want to distract anybody from the fact that I missed an $18.00 home equity loan payment which is my responsibility whether I receive the bill in the mail or not. What really angers me is Countrywide taking such drastic actions such as refusing to honor checks written on this home equity loan without ever contacting me and pointing out that I was in arrears.
The delinquent payment of $18.00 was for November 2007. I had completely paid off this loan in October 2007 and assumed that there would be no payment necessary for November 2007 this I assumed being the reason I had never received a bill or because I had just signed up for electronic payments and was expecting an email reminder.
Mind you I was completely clueless about a payment being completely missed and for as long as I've been with Countrywide I have never missed a payment. I was making the next months payment for December electronically. There was a $6.00 charge included with my December payment, at first I was confused because I had never seen any mention of fees for electronic bill paying when signing up.
I refused to pay Dec. bill electronically and I wrote Countrywide a nasty email concerning this fee and how they could believe someone would pay this fee in order to pay their bill electronically.
I don't remember the exact response I had received, but I know there was no mention of a payment being missed. Mind you I'm still clueless after a month in arrears. I even call a Customer Support person who tells me the fee is because I'm late on my payment. I looked at past payment dates in my checkbook, I could not see how December 2007 payment could be late.
Even after talking with a customer rep I had no idea the late delinquent payment was for November 2007. So basically Countrywide would much rather screw a customer financially by not honoring three checks written out from one of their home equity lines of credit instead of calling the customer who had never missed or had been late for any payments before and communicated this problem to that person.
Maybe they thought that $18.00 was way out of my payment possibilities. This $18.00 payment has now cost me hundreds of dollars. Thanks Countrywide I'll surely not come to you for my refinance because I want far away from the likes of you.