Bank of America
Charlotte, New York
United States - 28255
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Went to B/A in Las Vegas, Nevada located on Martin Luther King and Washington Boulevard August 3, 2007 to cash a Credit Card Check which my fiance had given to me for $175.00. when I got to the window the male clerk took my driver license which had the exact same information (address) as printed on the check, he verified the funds then came back to the window and said he couldn't cash the check because my drivers license was not 30 days old. So then I showed him my employee cards, which are all dated and had my picture on them (Sheriff card, Alcohol Permit, Health and Tam Card he said he could accept these. I had a change of address he said he had no way of verifing that and this is bank policy. I asked to speak with the supervisor she also agreed that I could cash the check even though the funds were available unless I had a military identification card or passport, she went on to say that this is Bank of America policy. So then I went to another Bank of America they said because it did not have the Bank of America on the check they could not cash it (Rancho Drive and Craig Road), I said well the other said they could cash because my drivers license was not 30 days old. I called the call center, one person said that is not true about the drivers license and then another said it was true, that what they wanted was for me to open an account and deposit the funds into the bank. The reason I went there was because I needed the funds immediately or I would have deposited it into my account. What happens when someone wants to open, withdrawal funds they are new in the state and they don't have a military or passport how do they get their money? When their drivers' license is not 30 days old? Yet each person said that each Bank of America has their own policies as to the acceptance of check cashing, to me this is unacceptable. Bank of America is Bank of America, their policy and procedure are based on however each bank wants to do? It showed me that there is no uniformity within their system of banking.
There are unauthorized charges to bank account from this company and i want the money put back before i take...
When they bought out mbna they raised my rates from 12 to 24%, they said i missed a payment and i was a risk...
FIA Card Services offered a settlement payment of $570 which would amount to three monthly payments of $190...
Copy of letter to OCC: Bank of America charges overdraft fees on accounts with a positive balance by...
I went through Lending Tree to secure quotes on a loan. Countrywide came in the lowest. They guaranteed they could close my loan. I eliminated all of the other companies who wanted to finance my home. Countrywide took $300 from me to secure the loan and lock in the interest rate. Two and one half months have passed and they have yet to close my lone. The loan officer Hiep Hoang lies every time I call and claims he will call back but never does. The interest rates have risen while I have been waiting on Countrywide. They claimed a bogus appraisal appraised my house half of what I purchased it for although it is in a booming area. Countrywide is running a fraudulent scam.
I informed the personal banker to make sure that a CD I had with them does not renew. I did the same via email as I am currently traveling and won't be back in the states until September. However, he does not read by email, nor does he stop the renewal of the CD, which has resulted in me getting stuck with the low interest CD for another month. Can anyone get me the contact details for the consumer grievance cell of Bank Of America.
I set my account for an alert to reach my email address five days before a payment is due. The payment date in any month is not set -- it floats. Therefore, the date on which the payment is due fluctuates.
Bank of America offers this alert service to customers. Supposedly to help customers make their payments on time and without incurring a late fee. Bank of America took over MBNA some months ago. My MBNA account had the same alert functions and they worked correctly. I got an alert gtom B o A for the May payment. And made my payment timely. I have a record of regular and timely payments to MBNA & Bank of America.
My account page at B of A, as of today, notes that an alert was sent in May. It has the correct email address. An alert was not sent for June. When I realized I had not made a payment, I was late by twelve hours. I checked my alert functions on my account page: they are set correctly and the list of past alerts sent does not include one for June. So B of A failed to send it.
I sent a note to B of A on my account page noting that the alert function had not sent me the usual message five days in advance of my payment date. I objected to any late fee imposed. At the time I sent the note, no late fee had been imposed so I hoped for the best. I checked the following day for a return message but none came. My account had, by that time, been charged a late fee.
Today a note arrived from B of A telling me what a wonderful customer I am and how useful the alert function is and how the Bank is so happy I use this and offering a "do it yourself" lesson in setting this up if I had any problems.
The end of the message told me that the late fee was justified and I could basically forget about having that removed from my account. So what the Bank of America does is set up a system to send alerts to customers so that customers get a sense of security in using it and relying on it for a timely reminder. But if the customer pays the bill on time too often and doesn't generate late fees for the Bank, then the Bank "just happens" to switch off the alert function in the background after many months where the customer has relied upon it.
The customer has no idea the alert function will not work as it previously did and then the Bank sends a GOTTCHA!! note with a fat late fee when the payment is late.
The Bank creates a late fee for itself by disabling the alert function without notice to the customer. Because the Bank controls the software which runs a customer's account page, it can make the account page look to the customer as if it is properly set up for the alert function to work properly. My account page shows the function is still set up to work the way it always has in the past. But, quite obviously, the Bank has disabled the alert function "behind the scenes" so a message is not actually sent out to me. Then it charges a late fee.
Scam. Complete scam.
I have a bank of America credit card with credit available. I am continuously receiving checks from them in...
I have a complaint against Countrywide Mortgage.I live in Southeast Texas which was the area directly hit by hurricane Rita in September 2005. While we were evacuated I called Countrywide and notified them of what was going on and they suspended our payments until January 2006. We then began our regular payments as advised in January, and months later we were notified by Countrywide Mortgage that we now needed to pay them back for the three months we did not have payments. Countrywide then set up a repayment plan that began with a payment of $800 and the for the next six months we paid $650.05. Our regular monthly payments are usually $450.00. We made all payments to the exact amount and on time as advised. We finished the repayment plan in April 2007. At that time I was told our regular payments would began again in May, so I made our regular payment in May and then again in June,all payments are now current. The problem is ever since I finished the repayment plan I am being harassed by Countrywide because they will call or send letters saying I haven’t made a payment, or that we still owe 269.99. I have spent so much time on the phone with them trying to figure out where the error was made on their end,and no one can figure it out.On June 6,2007, I spent 1hr and 45 minutes on the phone with four different people, two of which I could not even understand because of their strong middle eastern accent. All four people I spoke with could not figure out where the error was made or give any explanation as to why I owe $269.99. I then get another phone call last night from a man who was calling from Countrywide to ask where my June payment was? I told him he must be kidding and gave him the confirmation number from the June payment. It seems like no one with Countrywide has a clue what is going on,they take my money every month and do who knows what with it? I am then put in a situation of not knowing what to do. I am not paying the money they say I owe,because they have no explanation for it, but yet they could easily report me to the credit bureau. What kind of company is Countrywide? I do know they are very unorganized, especially in the escrow department, because I have had problems with them even before the storm in 2005.I hope this story will be read by someone who is considering using Countrywide, and it will change their mind. I would advise them to use someone local who is easy to communicate with and with whom you can trust with your money.
When our mortgage was sold to Bank of America, we were almost immediately told we would be required to carry...
I or rather my ex-wife (whom is a employee for Bank of America as a loans underwriter) gained access to a 10,000 line of credit in 1998 in 1999 it was at it's limit of 10k since we have divorced and I have been paying the thing down to @ 4k as of late 2006 apparently my efforts were not sufficient and when a payment of 95$ was made in December 2006 it broke the camels back. A letter was sent to me stating that the money was received but actually 97$ therefore the account would remain "In Default" It is important that you know that I have had a commercial account with Bof A for over 20 years, I own 2 carwashes in the DFW area and I bank there no less than twice a week, the paperwork just dried up in the fall od 2006, I made repeated efforts to transfer monies using their online banking when I tried to transfer money it insisted I need to open an account, hell I already had to many, and it would not recognize my LofC account number, I tried often to reach the Lof C dept but they were Closed For the Evening,to say the least I am a very busy man single, home, 2 businesses that are open 7,24,365 get it. So on Feb. 11 of my own accord I called the line of credit dept and a lovely lady answered the phone explaining that the others had gone home but that she could assist me,finally a actual human with blood in their veins... she explained to me what was necessary to get their online banking to recognize one of it's own accounts (WHAT to HELL) and told me she would be glad to assist me in making a payment, I told her I would like to pay $235 and she transfered the money immediately, she then explained that after looking at the details of the account saw that if I and I Quote" would just pay an additional sum of @ 3o$ my account would be IN GOOD STANDING AND ALL WOULD BE WELL so like a good soldier I DID JUST THAT thinking finally I would have online access to my account and could resume paying this thing off... good rideounce, of course if the junior teller at the new branch 2 blocks near my home would of told me I needed to pay 2$ extra in December or how to "REGISTER" my LofC account online none of this happens... but that's not all oh it gets worse... 5 days after this payment is made I receive notice that indeed my account had been sold to United on a Bof A letterhead telling me to contact them, and that if I've made any payment recently not to that it could greatly increase the amount owed to united and that it was sold on Feb 9th 2 days before my payment that was at the time about 7 to 8% of the loan amount... the money had been taken from my account but the total had not been posted against my LofC balance... On early three months I spent 1 to 2 days of the week trying to retrieve rundown freaking find my money always a confirmation # was issued and a promise to resolve this quickly Diane Hicks lied repeatedly to me and never got back with me I was repeatedly bumped form dept. to dept... THE TREE as they call it each one saying it was the others DEPARTMENT... I finally got the EXWIFE to call in EARLY MAY and of course she got the real skinny... loan sold to united deal was made back in January of 2007 sold 4100$ not that united thought was secured with assets for 3167$ they claimed (even told my ex-wife) that they transferred the funds immediately to United Mortgage... United tells me that they received the money on MARCH 22nd and that at the current interest rate of 13% I now owe including the @270$ payment just over 4,500 dollars remember that balance was just over 4,000$ on January 1 of 2007-minus 270$ payment on feb 11th @13% (was never that high, variable rate at Bank of America). They are now calling like incestuous whore's insisting that they need a speedy one time payoff... the Loan was UNSECURED and personal, not secured and Business as united thought, see they even lie to each other... Hell I don't have that and refused to be bullied by these carpet bagging son's of bi**hes, I will pay when a judge determines that a FAIR recognizing has been made and yes I still for this moment bank there... Gerald L kannady.
There are three practices of their billing system that increase the likelihood of its customers making late payments. This increases BofA profits but ruins the credit of its own customers.
1. They have shortened the billing cycle to 20 days instead of thirty days. This is according to their customer service rep. My statement still says 30 days.
2. The Payment Center is across the country where regular mail takes 5-10 days.
3. The statement comes in an unmarked envelope which looks like junk mail and can easily get tossed or shredded.
My recent billing cycle close date was 04/04. I received the statement on the 12th (8 days later).
The due date is 04/24. I must recognize the unmarked envelope as my statement, open the statement immediately, make the payment right away and get it into the mail in order for the payment to travel across the county by the due date. If there is a weekend or holiday or inclement weather in the East, I will incur a late fee and a late payment will be reported to the credit bureaus thus lowering my credit score. No waiting for the weekend or first of the month for bill paying day. Don't take a vacation or you will be late by the time you get home.
I have been caught once, I am wiser now and am complaining.
Send your complaints to:
Kenneth D. Lewis, Chairman, CEO and President
Bank of America - Executive Relations
100 N. Tryon St
Mail Code: NC4-[protected]
Charlotte NC 28255
Contact Congress by writing Congresswoman Carolyn Maloney, Chairman of the House Subcommittee on Financial Institutions and Consumer Credit
Congresswoman Carolyn Maloney
2331 Rayburn HOB
Washington, DC [protected]
During the past month, I decided to transfer my balance from my Capital One credit card to the BOA Platinum Plus credit card. The reason I did this was for the 0% APR for 12 months, as well as the 0% balance transfer fee. I completed a request for a BOA Platinum Plus credit card online, but had to get help telephonic with BOA Credit Card Services group due to a software issue. At the time of the application, I was confident that this credit card would indeed be 0% APR and no balance fees, as indicated on the application and in the terms and conditions.
During the phone call with BOA credit card services people, I also told them that I had $750.00 in my BOA Advantage checking account that once the balance had been transferred from my Capital One card to the new Platinum Plus account, I wanted the $750.00 transferred from my checking account, and the rep said he could do this. At no time did he ever indicate there would be a fee for doing this. If I had known there would be a fee for doing this, I would have waited for the credit card to be approved, then used my online banking to directly transfer the $750.00 to the credit card. Why would I spend $15 when I have online account pay and did not have to?
Imagine my anger and displeasure when I looked at my new credit account online and found that I had been charged $435.00 for a balance transfer fee and $15 for a phone transfer fee. Despite several phone calls to BOA credit card services group and speaking with Luz, the account manager, (who I had to ask to speak to me in English), I was told nothing could be done and that the fees were clearly spelled out in the terms and conditions for the credit card.
Clearly, the offer that I responded to states, both on the application itself and in the terms and conditions, that there are NO BALANCE TRANSFER FEES associated with this offer, and I was not informed of any phone transfer fee. To now insist that these fees are proper clearly indicates to me that the offer I responded to was fraudulent and misleading, and is a growing indication of the downward spiral BOA is engaged in with its present account holders.
I became a member of MBNA Credit Card products 14 years ago. I did not have any problems since MBNA became Bank of America (BofA). The BofA has the worst customer service. So called the account managers can bang the phone on you without thinking twice. I called to request the interest rate review/reduction which started at 10.9% and was increased to 22% without my consent. The account manager told me to consider the home equity loan and talk to their mortgage department to pay off my loan. I consider it not solving the problem and trying to to avoid the issue. After talking to three different department that last department told me that they do not do business in the state I live in. Very next day I called to check the balance on my account and found out that all of my accounts (I have three) were closed. One does not deserve this kinda service and response from a bank that you have been giving business to for fourteen years. My recommendation is to stay away from this bank. They are highly unethical and very rude when it comes to resolving issues.
The incompetence of this bank is truly sobering. A simple call to check the status of a loan application resulted in a three hour phone tree ordeal. I used the number they had provided for this purpose. The one department that might have been able to answer the question closed during my phone tree debacle! The phone message still said "please continue to hold, your call will be answered in the order it was received" long after that group had left for the day. The result was that I never even got an answer on my original question. I was repeatedly invited to participate in a customer satisfaction survey, but each rep claimed they were unable to transfer me to the survey as instructed. Tomorrow I plan to transfer all my accounts to a smaller bank!
On the 15th of February, I logged on to my Bank of America (hereafter referred to as BoA) net account to...
I recently applied for a Bank of America credit card. The offer that was mailed to me specifically stated...
This complaint is against Countrywide Home Loans. Countrywide posts there payments late to intentionally...
I had a no annual fee credit card from Bank of America, but I haven't been using it since 2001. I have not received any new cards to be activated, and no mail or phone calls of any kind related to my credit card account from Bank of America since 2001. My balance was $0 every month in 2002, $0 every month in 2003, $0 every month in 2003, $0 every month in 2004, $0 every month in 2005, and $0 every month in 2006 until September, when I was charged an annual fee of $39, and my balance became $39. There have been no statements sent to me, and I have found out about my balance when checking my credit report in February 2007. Not having an active account and no communication with the bank for 5 years, the sudden charge charge is illegal. The bank keeps adding interest every month, so that my balance almost doubles every 2 months. In addition, they reported the account as being delinquent, and damaged my credit scores. I am currently seeking legal action against the bank.