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Bank of America
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Bank of America Complaints 1565

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5:23 pm EDT
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Bank of America they are harassing us!

June 5, 2010

Bank of America
CA6-[protected]
PO Box 5170
Simi Valley, CA [protected]

Re: Loan # [protected]

To whom it may concern:

First I would like to say that our family is being harassed by Bank of America and we are formally asking you to stop harassing us.

We did a loan modification with BofA in October of last year, it was finalized in March of this year. Your bank was kind enough to reduce our payment by 50% for 12 months. We appreciate that very much because it has allowed us to continue to make our payments on time as we have always did. In March, when we got word that the modification was done and we should start paying $269.18, we were please. I then started making that payment on time every month. Then in the late part of May I started getting calls from a loan counseling center, on my house and cell phone, sometimes up to 6 times a day. The people were telling me I was late, I knew I was not and told them there must be a mistake. The first few times they said the loan modification was not showing up and next month it would be all fixed. Well, next month came and the phone calls came along with it.

One day this past month I spent 5 hours on the phone with 2 different Bank of America departments. One department showed my loan mod was done and I had made all my payments on time and the other showed I was not making my payments and I was late. Neither one of these departments would talk to each other and they claimed they were unable to do a conference call. BUT at the end of the phone call I had a supervisor on the phone and he promised to have the loan mod negotiator call me within 48 hours to fix the problem. 48 hours came and went and I never heard from her, still haven’t. Then the calls started again! I spoke with a lady named Rosa, Rosa told me she saw everything I was telling her was correct and she was going to talk with her supervisor and get everything corrected, that never happened.

The 50% that the loan mod discounted my payment is showing late every month although I am making my payment every month and have done so since I got this loan! This needs to be figured out and corrected today. I am tired of trying to play nice and I will report Bank of America if this does not get fixed by June 30, 2010. I am doing everything I am supposed to do and Bank of America is not, you are simply harassing me and my family. Please review my account and fix it so the phone calls stop immediately!

Also, if you have been reporting this late on our credit reports I would like it corrected along with a letter of apology sent to us, just incase it does not come off the credit reports as lates!

Thank you,

Kevin and Maria Hickman

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elli85
, US
Jan 16, 2011 7:24 pm EST

I've been trying to pay off all my bad debts on my credit, not only to fix my credit but also to pay what I owe from when I was hit hard by the recession like so many people. I've paid off 4 of the 5 bad debts and those companies have been very cooperative. I've told Bank of America to mail information on forms of payment, etc. to pay off the debt but instead they choose to have people from GOD KNOWS WHERE and harass me. They yell and just treat me like dog doo. They call all hours of the day. It's ridiculous, I'm just trying to make things right and they treat their customers like this, yeah I also bank with them and they treat people like this. I really want to get legal assistance because it's getting so bad.

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7:04 pm EDT
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Bank of America bad remark on credit report

My credit went from 794 to 642, in feb of 2010.Bank of america (bac home loan) put a remark on my credit saying (paying under a home modified payment). This is not true i make the full 2470.73 payment on time every month and have not been late.I have cantacted b of a 24 times, they say there are no negative remarks on my credit report.Well my own bank will not give me a loan at the best rate.B of a sucks and i hope to never do bussines with them.I am trying to sell my home to get away from them.No body in that company knows what to do or how resolve this problem.I go to the local branch on 7th street in grants pass, oregon.EVERY ONE THERE IS JUST DRAWING A CHECK (LOST)

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RHesq
Cos Cob, US
Jun 02, 2010 9:32 pm EDT

You need to contact the credit bureau and dispute the BAC remark under the Fair Credit Reporting Act(FCRA). The credit bureau is obligated to promptly investigate your complaint. If there is no basis to whats reported, they must remove it after investigation.

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7:18 am EDT
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Bank of America policies

Hopefully everyone will read this and take it into consideration. Bank of America has set up there rules and policies to rip off the common consumer. There policy basically states that they can chose to cash a check anytime (even if its post dated or past 6 months). they can then charge you an overdraft fee or whatever fees may arise because of the early or late cashing of the check. There resolution to the problem is that you can put a stop payment on the check, which is obviously at a cost. See for yourself. bank of america.com, search deposit agreement and disclosure select number 4. click deposit agreement and disclosure. go to number 13-K. read the section regarding stale dated and post dated checks.
https://www3.bankofamerica.com/deposits/odao/popup/disclosure_popup.cfm?template=dad&RequestTimeout=300#13k

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user432
sdf, US
Sep 12, 2014 11:18 am EDT

BoA is the worst! If you make a deposit to cover a transaction that you know will not hit your account for another day or two, they will intentionally delay the depost so that you overdraw on your account just so they can charge you an overdraft fee. I HATE BoA!

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jcpardell
San Francisco, US
Jul 10, 2010 11:06 am EDT
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Bank of America has established their stop payment policy in a deceitful manner. They request a three-day advance in having a customer order a stop payment, yet BofA knows the normal turnover time for an electronic check payment to pass through the clearing house is one or two days. Thus, its improbable for most stop payments to work. However, I agree they're doing this because its more lucrative for their company to collect additional fees from their customers. This was once a good company. Now, BofA is nothing more than an institution of swindlers.

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3:11 pm EDT

Bank of America Everything the attorney general found on their practices that was illegal, they did to me

My house went into foreclosure after several months working with the fraud department also office of the President at B of A they gave me a case # but did nothing about it and then closed the case without even letting me know now my home has a foreclosure sale date March 11, several of the my loan documents were falsified I requested information and proof of this information B of A could not get me the information they told me to call the police, also I’ve been living in the wrong LOT # I for the class action against countrywide? they have already been fined 7 million or something large., the title company and the mortgage lady who was only a notary). everything the attorney general found on their practices that was illegal, they did to me. so how do I get in on the class action?

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10:14 am EDT
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Bank of America mortgage fraud

Be warned about Bank of America Mortgage Practices! Bank of America has committed mortgage fraud in our home loan contract by changing the status of our loan type and structure of the loan, by adding PMI, "AFTER" the closing, and without notification that they were changing our loan within thier system! And they most certainly have done this to hundreds, if not thousands of others throughout 2008 & 2009. If you do not pay PMI to Bank of America, then you need to conduct a thorough examination of your loan documents and run the figures through an amorization calculator. There are actually 3 different ways that they could have calculated your loan. I suggest running all 3. We found out the hard way that our loan type was changed when we tried to refinance our current loan with another bank! We had already payed for the appraisal ($350.00 dollars) and the new bank was pulling the payofff amount and found that within the BoA system, the type of loan we had was actually different than what was on our loan documents. When I contacted Bank of America about this they stated that they had payed for the PMI issucance "AFTER" our closing. The PMI department at Bank of America then stated to me that PMI costs were added into our APR and that is why the percentage rate is higher. I then ran the figures and sure enough the difference in the interest rate over the life of the loan came to within a few dollars of the amount that BoA had supposedly payed for, but had actually charged to us in the annual percentage rate! I have made complaints to the regulatory agencty that governs National Banks, the "Comptroller of the Currency Administrator of National Banks or OCC", they sent the complaint to the bank, the bank responded and apparently directed them not to discuss or release any ionformation to me about this issue. I have also filed a complaint about this with the Texas attorny Generals Office. If you suspect that you are a victim of this fraud as well, you can file complaints on-line as well. Please do so so this can be stopped before anyone else if ripped off by Bank of America!

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BofASucksBig
Mesa, US
Jun 07, 2010 2:57 am EDT

Company phone = [protected]
Incident = In February 2010 I contacted my mortgage lender Bank of America about their Making Homes Affordable Program in which I was solicited via the internet. I did call and inquire but was told I did not qualify. About 6 weeks later I receive a FED-EX package about the program. I called Bank of America and was told the documents were sent by mistake and to "toss them in the trash." That is exactly what I did.

On June 4, 2010 I noticed that $199.16 was missing out of my checking account. After looking through my bank statement my fixed rate mortgage had jumped from $424.17 to $523.75 in May of 2010.

I contacted Bank of America and was told "this is your new payment as we opened an escrow account to pay your property taxes and insurance for the Making Homes Affordable Program. I explained to 7 people over a 2 hour time period that I was not eligible for the program, never signed any documents nor submitted an application and have paid my own taxes and insurance outside of the loan since I first purchased the property.

The bank did admit that I did not qualify for the program but the escrow account had been set up and it could "never be terminated." "You will have to just live with it Mr Russell the rep explained." I told her my taxes are $199 a year and my yearly insurance is $250 but your withholding almost 1, 200 a year? Response: "well at the end of the 27 years we will refund you the difference". I then informed her that Bank of America fraudulently changed the terms and conditions of my loan without permission, my knowledge, or any signed documents. Response we do this all the time its perfectly legal for us to withhold for your taxes and Insurance. I stated my taxes are paid to date and so is my insurance, you cant legally raise my mortgage!

I explained to the representative that I may not even be able to pay my mortgage next month as Bank of America has funneled out $199.16 out of my checking account due to the "increase in my mortgage." Well Mr. Russell if you don't pay your mortgage, we will simply have to foreclose on you and have the Sheriff remove you." I explained to her I have a limited amount of money and pay my property taxes each year with a small bonus check I receive from work, my insurance is paid in small increments monthly and I cant afford a $100 monthly increase in my mortgage. The representative then hung up.

I called Bank of America back and basically was told pretty much the same thing after speaking with 4 more people and a supervisor. The supervisor informed me that he could "try to opt me out of the program"(could take months) you know the program I did not qualify for, and never returned any documents or applications I stated. He said yes sir that one. I demanded my $199 back (1/2 of next months mortgage payment) that Bank of America had fraudulently removed from my bank account via auto-pay. The authorization was only for $424.17 a month not $523.75 Response: its not possible Mr. Russell. Because of Bank of America fraudulently increasing my mortgage and illegally withdrawing more than agreed upon I'm sure I will have overdraft fees as I only have $9.00 left in my account.

It is quite apparent that Bank of America is committing blatant fraud in order to account for the TARP money they have received. If you are wondering why their numbers have increased by 70% in one month, allegedly enrolling more people in the Making Homes Affordable Program? This is how their doing it. I no doubt will loose my home as I will never be able to catch up or pay the higher unlawful increase in my mortgage. Mortgage loan # 8709XXX Did I mention my taxes, insurance, and loan payments have never been late!
Damage Resulting = My end up loosing my home.
Contact me = Y

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8:44 am EDT
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Bank of America harassing phone calls every hour

Bank of America/BAC Home Loans Servicing LP would call my home phone every hour from 8.30Am to 9 PM looking for a Marcus M, unfortunately that person have never lived at this phone number address as I have been living here for the past 15 years. I informed Bank of America/BAC Home Loans Servicing LP and they said they would remove my number. Days later I am still waiting for this to happen, the harassing phone calls continues on Saturdays & Sundays as well.
Who else should I caomplain too!

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Anthony Ragusa
Tomball, US
Jun 12, 2011 12:14 am EDT
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Hi, I have the same problems with BAC. And I have received calls all hours of the day and night. They are looking for someone who does not live here and over 10years ago had our phone number. BAC informed me they would put me on the do not call list which has not happened. I even went to alocal branch of BAC in Houston and the manager said she would get the harrassing phone calls stopped.
Today 6/11/11, we received a call from a group called UPLS who said they wer calling for BAC and they stated they could not take me off the calling list since they were calling for BAC. I plan to gert advice from an attorney.
JR Houston

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PSal
Morada, US
Nov 04, 2010 5:52 pm EDT

Hi, I've got the same problem. I am on the FCC Do not call list and have also requested within BAC to put me on their do not call list. It doesn't help. I have filed 3 complaints with the FCC Do not call Regtistry. They have a glitch in their computer system and have the wrong phone numbers on the accounts. I feel that if there are enough of us, we should make them pay hefty penalties for these abusive telemarketing practices. That is what they are because the recording asks you if you are interested in receiving their products or services. I wish more people would file complaints with the FCC to give all of my complaints more status. Until then, I just keep my caller ID on to record the instances and when I get fed up, I file another complaint.

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1:22 pm EDT

Bank of America dishonest bank

Bank of America is a very dishonest bank, there thing is to trick you or cheat you in anyway possible. And believe me when i tell you that they are liars. I don't want to spend all day writing a book on how they have cheated me but i am going to take the time to post this so when people come to look they will find yet another person saying that the things bank of America are doing are against the law. who is going to protect the people from these bullies? they are picking on and ripping off the elderly and so much more. its disgusting to use the word America in there name.

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Mr. Neal
Atlanta, US
Mar 15, 2011 12:26 am EDT

These people are trained to lie, if only someone would be honest enough to tell you that. My situation was that being unemployed for several months, I would like to get a loan modification to lower monthly payments, etc. At first, they said no problem, but later said I didn't have verifiable income. Well, that was the reason I needed help--lack of income. I filled out all of the paper work and did everything they told me to do, only to be denied in the end with sooooo many excuses. You can speak to 50 different people (they love to put foreigners on the phone to really fray your nerves) and all 50 people will tell you something different. These people are liars all the way. I absolutely hate doing business with them. They also love to manupulate bank accounts. One day you will see a transaction processing, then the next day it is temporarily gone, only to show back up the following day and then change the day you made a deposit so now you can be charged with an overdraft fee. They love this trick! This bank is the worst!

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Gliderguy
Winchester, US
Dec 21, 2010 10:35 pm EST

I have never been lied to by a supposedly reputable company as I have BOFA. They are the most disorganised company I have ever seen. If you speak with 5 different service reps about your concern you will get 5 different answers. We have been trying to get a loan modification for over a year now. They have lost very sensitive financial information FOUR (4) times now. They just asked for the same information that I have already sent them 4 times! It's no wonder the state of Arizona is suing them for fraud and bad business practices. We have just sent our complaint to the California Attourney General but of course I see no help coming from there. The only thing I can do is to hopefully warn any one against doing business with these banksters. Why in the name of God did our government keep these shysters from going out of business, which they so deservedly need to do.

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10:49 am EDT

Bank of America In my last twenty year I have not experience any worst customer services

In my last twenty year I have not experience any worst customer services which I experience on 1/22/2010. I am 20 years customer and paying my bill on time on two cards. Bank of America Visa and FIA Master Card. I called because they reduce my credit line and that effects my credit. Upon calling the ### of BOFA closed my accounts with insulting remarks for my credit report. Which was result of Furlough since I am a state employee (CA). I dont know how to deal with this.

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8:43 am EDT
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Bank of America manulating deposits and posting

I understand ifI am over on my account then I have to pay the fee.

BUT why do they have to hold my deposit which more than covers my purchases so that i get overdraft fees, My deposits went in first.
They also move your largest purchase even if it was you most recent to the back of the line so that all the other posting bounce as well.

I am a mother with 2 jobs and 2 girls to support and I have just got assessed a bunch of charges so basically my pay from my second job is gone.

Please tell me where to get help. Again I understand one if the recent purchase is over but to move everything around is really unfair.

Thanks you

Account pictures on request.

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MsDownshift
, US
May 18, 2010 2:13 pm EDT
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No this is bad banking business, as all banks now use the same practice to manipulate and move debits and credits to their advantage. They hold all transactions until the end of the day using the smallest to largest debits posting first then the credits with the end result that NSF will result. The banks are making their money this way stealing from the average person that lives paycheck to paycheck and doesn't have the money to cover. Then they delay sending notices and also charge a fee per so many days for being overdrafted.

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bobtheman
, US
May 16, 2010 12:50 pm EDT

Were they direct deposits? If they're checks, then they hold the deposits a few days.
Perhaps don't write checks until you know the money is there...

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7:09 pm EDT
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Featured review
This review was chosen algorithmically as the most valued customer feedback.

Hi- We're like every working family in America trying to acquire Home Modification Loan from Bank of America. How many of you have tried to get your home loan modified only to be taken for a "ride" through different departments? We have been trying to get this done over the past 14 months only to be given the same excuses over and over again. As well...

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6:45 am EDT
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Bank of America mortgage escrow

For the third time, Bank of America has "forgotten" to pay the real estate taxes and insurance on a mortgage that they service and for which they have a hefty escrow balance. What happens is that
(1) we receive the notice that our insurance is expiring and/or our real estate taxes are in default, (2) we have to call Bank of America and suffer through endless "push button " (for which escrow issues is not an option) and bad music, to inform them that they forgot to pay. In two of the cases, we had to FAX the bills to them, and in the most recent case (after an hour on the phone) they said that they will straighten it out without our faxing things in (we'll wait and see). Each time, they blame the problem on the County tax office and the insurance company, but this never happened with the same parties on our previous loan with BofA. The County states that BofA has not done what they need to do as a loan servicor with an escrow obligation.

We are resigned to the fact that they have a glitch in their system and cannot handle the escrow payments. I am looking forward to paying off the loan so that we can make these payments directly.

In our last call, the customer service agent mentioned that they had merged servicing systems with Countrywide and that this may have caused the confusion. The timing of our difficulties matches the Countrywide merger. While I can understand the confusion, if you have a business system with a terrible glitch and you fail to correct it, it is bad business. Once, I can understand. Twice, I wonder why they don't fix things. Three times? Bad business.

While I have had BofA mortgages for over 30 years, if I need another mortgage I will look elsewhere.

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9:10 am EDT
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Bank of America forclosure after short sale approval

I was short selling my home, I received an approval letter from Bank of America on March 5, 2010 that approved the short sale as long as closing took place before April 19, 2010. The buyers completed their inspections, obtained financing and signed all the appropriate closinf paperwork on arround April 12, 2010 the final settlement statement was sent to Bank of America for final review as requested in thier letter and the closing agent received notice from Bank of America that they had foreclosed on the property on April 7, 2010 and that they could not move forward with the short sale even though they had supplied a letter stating that the sale was approved as long as they received their funds by April 19, 2010. I have copies of all the letters and documents and I am learning this is a common practice oc Bank of America.

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SMXLUV
92562, US
Jan 31, 2011 6:50 pm EST

I just was informed by the servicer of Fanniemae that the property we had on short sale with an approval til February 15, 2011 was forclosed on Jan 28, 2011. How can they forclose when they give you an approval stating an expiration date. I would understand if we had gone passed our approval date but it was not even close. How can we fight this? The Buyer was receiving loan docs this week. This is horrible! I never thought they could foreclose while in an Approved Short Sale.

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ecoelba
Lake Oswego, US
Jun 24, 2010 12:18 am EDT
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I had the same situation were the approvl letter was good until July 5, 2010 and BofA foreclosued on June 14. any one here in Texas? I'm in oregon...I wonder is there is a relation ship where the property is or not? Please contact me to see if you were succesfull or not.

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Questionable tactics by BofA
Sunrise, US
Jun 07, 2010 9:24 am EDT

I have been waiting for a response from the closing "delaying" officer. Their letters of approval or demand letter should be written so they are "good till close" since it can take them 4-7 days to review anything and a response to rewrite a letter of demand that has expired by one day can take 7-10 days..very poor and untimely service...it makes me wonder what their goal is and objective..and how it serves the parties with a vested interest..

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HLam15652
, US
Jun 02, 2010 11:43 am EDT

I have the same problems similar to you too. I got short sale approval on May 19, 2010. my buyer want to set close date by June 5 2010. but Fennie Mae foreclosed the house May 28. I am still looking for some help to avoid foreclose.

thanks.

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9:53 pm EDT
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Bank of America bad customer relations/service

I requested a replacement debit card on April 2nd, I was told it would take about 1 week to receive. On April 8th (4 business days after the reqeust) someone deposited 2 bad checks using that card at 2 different ATM in city's that are not close to me. They were both Bank of America checks payable to me, and the signature on the back was just my first name. These people then tried to use that card to purchase goods and withdraw a large sum from the ATM. I do not keep alot of money in there so those were denied. Bank of America closed my account due to fraud. The card must have been stolen from my apartment mail box or it's an inside job. I have made a police report for the stolen card. I have never received a call or paperwork from the bank after I made a fraud claim. The biggest problem is that the day they closed the account my paycheck was direct deposited. I have had the same employer for 7 years and been a customer of the banks for 17 years. Since they closed the account they mailed me a cashiers check on Friday April 16th to this day May 3rd I have not received it. When I call the department that closed the account I was told they couldn't do anything until the check has been out for 15 business days! Get real in this day it does not take that long for anything to get to you. They must be using the Pony Express! I have gone to several different bank offices and they say their hands are tied and give me the 800 number to call customer service. If you have any accounts with this bank GET OUT NOW!

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7:33 am EDT
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Bank of America tendering a payees check after payors account was closed

Where do these banking policies come from? Bank of America is taking advantage practicing 'back door habit's on a gross level. Recently my husband and I closed our bank account (checking) after waiting for all check's to clear. Two check's had not cleared and were written by us approximately six month's prior to closing our account. We could not locate the payee as he was a helper that came along with a contractor to do some work on our home. We thought maybe the check was lost or misplaced by the helper. The other check had been written to purchase something over the internet and also had not been cashed. So now we would have expected that the payees would probably come directly to us for payment. Low and behold, these check's were both cashed by Bank of America after we closed the account. Those check's were not legally supposed to be honored after all our account number no longer existed as active. Account Closed should have been stamped on each check and returned to the two payees. They not only sent us a statement that appeared to be business on an existing account with a negative account balance of almost a thousand dollar's and overdraft fees as well. After going to the bank and not getting any answer's we decided to not deposit the funds to bring the account to a zero balance. But to go to corporate, still nobody could give us answer's. They have reported my husband and I to Check Systems a company who report's you as an undesirable customer and for 5 year's keep's you on a list that all bank's check as you apply for a checking or saving's account. Thus, we can longer obtain a bank account for five year's. Thanks to you Bank of America you have deprived us the ability to operate our live's financiallyin the normal way. We hope to see your incompetent organization charged with mis-conduct, fined, repay all cheated customers identified by a grand audit and finally, closed. That's what you deserve.

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khloee04
ft wayne, US
May 03, 2010 11:28 am EDT

checks are good for 1 year. The bank has to pay them

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4:15 pm EDT
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Bank of America harassment

I'm not even a customer of BOA Home Loans and never have been. Some woman who shares only my 1st name is and for some reason my phone # is in her file. They call me at least once every day and some days 3 or 4 times a day. Every time I answer the phone I go through the whole thing over and over again. They say I've been taken off of the list and then an hour later or the next day they call me again. I even got a prerecorded solicitation call the other day telling me there was some conference in Las Vegas. AHHHHH!

BOA please if you read this, the phone # ending in 4600 on Elizabeth Martinez's records is not hers. It is mine, STOP CALLING!

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john
none, US
Feb 14, 2011 9:32 pm EST
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I am announcing a lawsuit against Bank of Destroying America:

http://www.youtube.com/watch?v=PoOJMr7OJ0s&feature=player_embedded

My name is John Wright AND I AM FIGHTING BACK!

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Brion Nelson
Forest Lake, US
Feb 14, 2011 7:50 pm EST

Home Modification:
I too have had to run circles for BOA with no success yet. I first started my application for a loan modification in 03/2010. I received the packet in the mail and filled it out completely and provided all documents requested. After about 6 weeks I received another packet in the mail stating required documents were missing and I needed to send them again if I wanted to continue the process. These included 2 months most recent paystubs and bank statement along with signed form for them to have rights to request last two years of Taxes. This time to rush the process I faxed the papers to the number I was given. Two weeks later I received a packet stating these same documents were still missing. I called and gave them the fax # [protected]) I sent the papers to and was told it was the wrong # and that I should fax the new updated papers to [protected]. On July 16, 2010 I faxed the 14 papers plus coversheet to this new number and made sure my loan # and the file #31340 were on the top of each paper as requested so they would not get lost or mixed up. I then received another packet and letter of intent for foreclosure if I was not caught up by sometime in December. I had until January 22 to return the papers yet again and this time I used the enclosed envelope with tracking, making sure once again that my loan # was on every paper. The tracking showed it was signed for on January 17th, yet I received another packet stating I was missing the same papers again on January 22nd 2011. This time I called and told them the tracking showed it was signed for on the 17th. They said oh yes, we do have that paper work and that they will let my Rep (Jeremy Dikeman) know and to disregard the new packet. I asked to please have Jeremy contact me since I have not once had an opportunity to talk to him. He has still not tried to call me as of 02/13/2011.

Re-instatement fee:
I have also had no luck with 3 attempts to get my re-instatement fee from BOA. I have ordered this 4 times now. The first 3 times I was told to call back in 48hours to give them my fax # and they would fax it plus it would automatically be mailed to me. I have not received a fax or letter in the mail yet. The 4th time I called 02/11/2011 I was told it was ordered again on January 31st and would not be ready until February 16th and to call back then. Maybe they will get it to me this time. I pulled $10, 000 out of my retirement fund to catch up and try to save my house but I cannot get BOA to give me an amount to pay them.

BOA, Please Help!

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gregkid
Totowa, US
Jan 29, 2011 1:22 am EST
Verified customer This complaint was posted by a verified customer. Learn more

sombody from goverment shoud take a care of hard working and paing motgage to those stilers (BAC). we need help!

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9:04 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America Fake Homeowner's Insurance

Warning to all Countrywide Home Loan homeowners. Double check to see who your Homeowner's Insurance is with. Countrywide Home Loan may have allowed your Insurance to lapse, and you may now have in-house forced-placed BALBOA. This is NOT a real insurance company, but a loan guarantee! If you burn down your kitchen, Countrywide will not rebuild your kitchen, and will not make a check out for damages. They will take your home away instead! You will be left with no home, and no check from an insurance company, because BABLOA is only a LOAN GUARATEE!

Countrywide has been allowing homeowners' policies to lapse. If they get a call from your insurance, asking why the bill is not being paid, Countrywide will claim that YOU called them and said you decided to go with another company, thus illiminating a call to YOU to let you know Countrywide was not paying the bill (out of your escrow account). This has happened to me twice now, when my loan was purchased my Countrywide. I had no idea this was happening until I had to get a lawyer for something else.

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4:08 am EDT

Bank of America run around / stonewalling

On 3/9 I contacted Bank of America Home Loans. The person who took my loan was Chad Harter in AZ. On taking my app, I explained that 4/23/2010 was my closing date and the reason I was going with BofA was because aprevious bank made a bad error that left a bad taste in my mouth so I didn't want their mortgage.

HE took my app, and I sent all the documents needed. I was assigned to Toni Ann Magadino in Long Island, NY. After forwarding her the documents, again, she was removed from my loan.

I was then assigned April Connolly out of Melville, VT. I got a conditional approval with a letter of conditional items. I supplied all these documents on April 1st, 2010.

My loan documents were not looked at until APRIL 16, 2010. That is a week before closing. It's incredible!

The week before closing, I received a letter asking for more documents. The day BEFORE closing, I received another letter asking for:

a) a marriage license (because I did not take my husband's name)

b) a letter from my post office that my physical address is the same as my POBox - ie, both were to me.

c) 20 other documents that would take days to get.

Why this stuff wasn't needed a month ago, I dont understand. I feel that they didnt have time to do my mortgage, knew that and stonewalled me.

My lawyer, in the business locally for 30+ years, said he's never heard of a marriage license requirement or a post office requirement.

I was able to, a day before closing, find another provider I have a business relationship with to write me a mortgage. I have excellent credit and financial reserves.

Bank of America wanted my business, and was willing to lie to keep my business. They've now lost all my business.

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5:50 pm EDT
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Bank of America beware of hidden escrow accounts!

Yet another BOA scam unfolds! We just found out that BOA opened an escrow account "on our behalf" to pay our real estate taxes and property insurance bills this year. Problem is: WE ALREADY PAID THE BILLS DIRECTLY OURSELVES! Yes, incredible but true! We wondered why our mortgage payments so far this year are being considered only "partial"? Well, guess what! Good ol' BOA had been applying a portion of each and every monthly payment we made to this mysterious escrow account, which of course had a NEGATIVE BALANCE since we had NEVER SET IT UP or added to it in the first place. Amazingly, they even think they are entitled to the "late fees" they are charging us since we "only made partial payments" on our mortgage! The gall of these people is truly remarkable. Watch out, America, BOA is taking Uncle Sam's bail-out money and doubling it by using unethical business practices against us poor unsuspecting consumers. IT'S TIME FOR US TO TAKE THEM DOWN! REMOVE ALL OF YOUR MONEY FROM ANY ACCOUNT AFFILIATED WITH BANK OF AMERICA TODAY!

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houlawao
Keaau, US
Mar 25, 2012 3:25 am EDT

How did you resolve this matter? I just discovered the same thing on my statement. Now there is a random "escrow" payment due.
Also I have had repeated issues with them taking out insurance policies that i do not need. wtf?

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8:53 am EDT

Bank of America can not resolve a simple issue

I just refinanced with Bank of America in Diamond Bar Calif. To make the story short they did not lock in my loan as promised. I did get a letter fromt he VPresident of the Bank that they would honor a certain rate and would make good on a .475 loan origination. They took 3 steps in retifiying this problem. First no credit then a partial credit then another credit and still to this day have not given the amound promised on a company letter head statement from the bank. I have received one call from the CEO of Bank of America and have not to this date received a call back. I have written to the BBB in hopes to retify this problem. MY loan went thru but at this point I cannot trust the word or work and will not do my banking there at this point. What happened to the the Consumer Relation and Customer Service for which I have knowledge and expierence in for the 20 years of my life. Hoping to get the credit I deserve. Still awaiting a call to correct this complant. My refinance took 6 whole months to complete. This is not what people want to do in trusting in their operations.

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6:48 pm EDT
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Bank of America debit card overdraftfee

Ongoing charge of high debit card overdraftfee of bank of America is causing many account holders (including mine)severe damage seeking.And another overdraft fee occurs if account holders can't pay negative balance in their account in 5 days.I have collected main informations regarding this bank's outrageous conduct-lawsuit case, consumers upset complaints and settlement case.
I can't attach files, so I am writing their web addresses here.
http://www.medlawplus.com/classaction/bankofamericacomplaints.tpl

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Barliegh
Turlock, US
Apr 16, 2010 7:07 pm EDT
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I agree, I'm with BofA also, same complaint, last month 600.00 supposedly in overdue fees, I don't even make that much

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About Bank of America

Screenshot Bank of America
Bank of America is one of the largest financial institutions in the United States, with a history that dates back to 1904. Today, the bank serves millions of customers across the country, offering a wide range of financial products and services to meet their needs.

One of the key strengths of Bank of America is its commitment to innovation and technology. The bank has invested heavily in digital platforms and mobile banking, making it easier than ever for customers to manage their finances on the go. With features like mobile check deposit, online bill pay, and real-time account alerts, Bank of America is at the forefront of the digital banking revolution.

In addition to its digital offerings, Bank of America also has a strong network of physical branches and ATMs. With thousands of locations across the country, customers can easily access their accounts and get help from knowledgeable staff members whenever they need it.

Another key advantage of Bank of America is its wide range of financial products and services. From checking and savings accounts to credit cards, loans, and investment products, the bank offers something for everyone. Whether you're looking to save for the future, buy a home, or invest in the stock market, Bank of America has the tools and resources you need to achieve your financial goals.

Overall, Bank of America is a trusted and reliable financial institution that has been serving customers for over a century. With its commitment to innovation, technology, and customer service, the bank is well-positioned to continue to meet the evolving needs of its customers for many years to come.
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1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary information and verifying your email address.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Bank of America. Make it specific and clear, such as "Unauthorized Overdraft Fees" or "Difficulty with Mortgage Loan Modification".

4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Include key areas such as customer service interactions, problems with account management, loan servicing, fees or charges that were unexpected, issues with online banking, or any other specific incidents related to Bank of America. Clearly describe the nature of the issue, including dates, locations, and any relevant transaction details. If you attempted to resolve the issue, outline the steps you took and the responses received from Bank of America. Explain how this issue has personally affected you, such as financial loss or stress.

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Overview of Bank of America complaint handling

Bank of America reviews first appeared on Complaints Board on Jul 20, 2006. The latest review Claim # 240213543968 was posted on Apr 9, 2024. The latest complaint Edd unemployment stolen funds was resolved on Oct 03, 2023. Bank of America has an average consumer rating of 2 stars from 4573 reviews. Bank of America has resolved 457 complaints.
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