Mean Customer Service
I would like to vent a story than happened to me today concerning my Regions Bank overdraft protection credit card issued by FIA Card Services. Basically, it is about my encounter with a bitter, seemingly evil "credit specialist" that I spoke to on the phone.
I called and initially I spoke to a very friendly guy and I told him that I wanted to increase the credit limit on my card from 2500 to around 5000. The card had a zero balance, had only a couple of times had a balance over 100 dollars, and had never been paid late in the year or two I've had it. I told the associate that I wanted the limit increase so that I could take advantage of a low balance transfer rate promotion that was on the website. I have a Citibank card with a higher APR and a balance of around 8400 dollars on it, half of which I plan to wipe out with a student loan that's about to go through. The guy says that sounds great and he would be happy to do a balance transfer over the phone in the amount of 2000 dollars because that would make it more likely that I would get the limit increase if they knew that's what I was using it for. I said that was just fine and he said that he would have to transfer me to a credit specialist in order to approve/deny me the limit increase. He said that it would be a conference call so that he could explain my situation and try to get me what I was wanting.
I held for maybe 10 minutes and the same guy answered and said the credit specialist was on the line with us. I said hello and the specialist said nothing to me and instead said to the first guy, "yeah OK, hang up now." Well, OK, I thought, I guess the specialist didn't like that guy. The specialist then starts rapid firing very specific questions about my finances at me. Of course I expected some questions but this guy made it sound from the get-go that he had no intention of giving me anything I wanted and was far from friendly in his tone. For example, he asked me about my liquid assets and I asked if that included things like a 401k, to which he replied, in a hugely sarcastic manner "No, SIR, that is not a LIQUID asset. A LIQUID asset is something you can spend NOW. You need to have LIQUID assets." For some unknown reason, he just seemed to be trying to find fault with every answer I gave him. I know he has to really assess my ability to pay his company, but he didn't have to belittle me with his tone, sarcasm, and disregard for me as an imperfect human.
Now, I understood before I called that there was every possibility that I would get turned down due to my credit score or whatever, and I was prepared for that. However, he then puts me on hold, apparently to think about what he would do to me, and returns after awhile with an even worse tone and says to me, "Now, SIR, I have to tell you, not only can I not approve you a limit increase, but I see no other option but to close this account immediately." I was completely shocked and asked why he would think that was necessary, to which he replied that I had 8400 dollars of debt and for my income this was too much for him. Fine, I said, but I didn't even want 8400 dollars of credit. I wasn't even buying anything. I just wanted a transfer. Also, the first guy had already approved my balance transfer of 2000 dollars. Well, this second guy decides that he is cancelling that and fully closing my account apparently just to be mean. Keep in mind that I've never been late on a payment on anything ever in my life and that this card had a zero balance on it for months at a time.
I should also mention the origin of this account. It is a card that is used as a safety net in case of overdrafts from my checking account. So, it is a useful account besides any balance transfer stuff. Well, this guy doesn't care about that and says that he is in effect also cancelling my overdraft protection on my checking account, as opposed to maybe just lowering my credit limit. I can't believe that this guy would treat me this way with no real good reason and while I'm trying to think of a response to this without going crazy on the phone, he gives a very curt farewell and then effectively hangs up on me. I sat there for a couple of minute playing this scenario back in my head, trying to figure out what this guy would have absolutely zero interest in me as a human being and all I can conclude is that he was apparently evil. My credit score, while not great, is not terrible, I've never missed a payment on anything, I have no obscene debts, no car payment, and I work a decent job that I've had for over 3 years. I understand that nothing will likely come of this, but I felt I had to vent my frustrations and tell people that Regions and FIA Card Services really made me feel like crap today.
I'd like to update my story. I sent it to both Regions and FIA. FIA never responded, but Regions did send me a letter stating that they attempted to get FIA to reinstate my overdraft account. FIA, of course, refused. So, I went to my local Regions branch, told them I was closing my account because of FIA, and never looked back. I recommend everyone switch to decent credit unions if they experience treatment like this. Thanks for reading my long story.
The complaint has been investigated and resolved to the customer’s satisfaction.
inappropriate service fees
My name is Sean McGrew, and I’m a Legal Assistant to attorney Deanna Dailey, with the law offices of Sprenger + Lang. We are conducting an investigation of Bank of America’s practice of inappropriately applying service fees to customer checking accounts. In the past, persons have posted on this blog regarding their issues with Bank of America. If you would be interested in assisting with our investigation, please contact us at [protected]@sprengerlang.com. Thank you.
The complaint has been investigated and resolved to the customer’s satisfaction.
I purchased a 30 day free trail products and then I get charged 69.95 and 79.95 twice in a month and both times it put my acctount in the red and I've now gotten hit for over the limit fees WTF ... is this for real I called the number and it rings and rings ...
How do I get all that money back it 's almost $300 if not more.
This company is another diet scam, after canceling order was charged $29.95 showed up on bank statement unautherzied. Was told would be charged $1.00 for shipping and handling for a free product. Product did arrive and had 7 pills inside. If not canceled in 14 days . credit card would be charged 89.95 every 31 days. this was in fine print on web site. Site stated is was on ophey winfrey show. Hope others read these complaints.
don, t go for any online buying of any products. they take your crdit cards number and first trial is free later without informing you they charge you after 14 days . these acai berry products are all [censored]. nothing works.
Central Coast Nutraceuticals.
The company is a rep off.
I order a free trail of Acai Pure Trial from them .
The charge was for $1.95 only .
Well I received the Acai Pure but it cost me $ 44.85.
They also sned me 1 package of Hoodiburst Gum $9.95
and Hoodiawater 1 unit $29.95.
I called them many times and everytime I will get a message saying waiting time 120 minutes to send e-mails to support@centralcoastnutra.net . Well they all came back .
How can this company still be allow to keep ripping off people like us ?
i WOULD LIKE THE PHONE NUMBER FOR ACAI PRODUCTS TO CANCEL MY ORDER
fradulent activity - they stole from my bank account
I noticed unauthorized activity on my bank account and immediatly open a fraud case with my bank. FIA Card Services had made up a "check" interestingly enough and submitted it as a "phone" payment. Listing themselves as my signatory on this bogus check. My bank concluded their investigation of the fradulent activity and found my claim to be valid.
If you MUST deal with them, be VERY careful. I called asking for supervisors several times to alert them to the fact that there must be some mistake - only to be told - Oh no, you remember don't you - YOU made the phone payment...I have never in my life at any time made a phone payment for anything.
Scary that they are that unethical. I have documentation to back up my claims if any lawyers out there get enough cases and want to go after them. I would be happy to provide it!
The complaint has been investigated and resolved to the customer’s satisfaction.
I had autimatic payments for my credit card with Bank Of America FIA Card Services, once I noticed that I did not have sufficient money in my bank account number I called to cancel the automatic payments. They obviously decided to continue taking these payments out of my bank account. This action caused my account to be overdrafted from $ -119 to $ -500. Their employees are incompitent, that do not pay attention to what the costumer is saying. I said many times to them to stop those payments, everytime they tried taking the money out of that bank account and there was unsufficient funds I was charged $35 from Bank Of America, and when FIA tried deposit the money back to my account I was charged another $35. I tried calling many times to speak to the person "taking care of this problem" and she was never there, never returned my call. When it comes to solving a problem they caused me, they do not return my call. However, when it comes to calling me for payments they are calling me 24/7.
bad ethics/
In March we offered on condo. In April we were told our offer accepted. In May we were told it was for sure going through-escrow assigned-got ok to do home inspection which we did. In July we were told papers misspelled just a matter of time. Then next day our offer was no longer accepted. Since then I have contacted Bank of America, and made complaints to CEO but have had no real results. We have been told by bank of America that they really thought they dropped the ball big time when they read all my correspondence, but then told me that that everything the realtor had told us on the progress of our offer and acceptance did not happen, and yet, since then they have changed their story repeatedly from week to week. Apparently after they accepted our offer they had some change of policy on how the dealt with short sales. They wanted more money from seller who claims they cannot come up with it. So we offeredd more, but that offer seems to fall on deaf ears. Anyway we have been made to feel like 3rd class citizens by Bank of America because we offered on a short sale. Short sales are being used to treat buyer poorly and carelessly. I saved all my emails that told us we were accepted...three months of lies.
I have done the chain of contacts to try to see results but I just get more excuses. No one cares what the buyer has gone through or that we are offering what they want to receive...according to Bank of America. The poor correspondence and lack of concern and bad ethics breaks every one of the banks...5 core values.
The complaint has been investigated and resolved to the customer’s satisfaction.
Same horror story here, only working with the Florida division. We need to bring a lawsuit against these crooks. I won't waste my time with details... I am the owner and today I will have lost my 5th buyer due to BOA (Bunch of ###s!) due to the run around and no return phone calls! I am at my witts end! Don't lie down and take this crap! I am not going to. I even have an "escalation" case number when I called the laughable customer relations department. All I need is the "letter of authorization" by the end of today or else I lose my 5th buyer. They told me the price was approved, that the closing is all set to go, just we need this letter. Do you think they will send it to me?
I am a Realtor. Suggestion to all with complaints against BofA: Complain directly to the investor (usually Freddie or Fannie). We all suspect that Government money is to given to banks for servicing Hamp. Also, I suspect they submit any "lose" to the FDIC for reimbursement. Now their newest trick: pound on sellers for "contributions". Usually sellers are penny-less/without jobs, etc. This is a scam to get agents to give up some/most of their commissions. After working on a file for a year, they would like Realtors to work at reduced pay...while they are raking in the $$$ from all sides.
I have been in the short sale prcoess with Bank of America for over 18 months. During that time I have lost 5 buyers that were interested in my house. I tried keeping up with the payments for over 15 months - but I had moved to another city because of a job change and I could not keep up with both. I just wanted to get the house sold and I had to go the short sale way since the market is so bad and I was taking a $20, 000 loss and it did not cover the mortgage loan. My realtor and I have tried dealing with Bank of America for 18 months and it has been a total fiascal. There is absolutely no one at Bank of America that cares about anyone they deal with in the short sale process. They are rude, unresponsive, do not know what they are doing, poorly trained and poorly managed. I cannot believe that Barack Obama and the government gave them 25 billion dollars to help people with home loan mortgages. I see that Bank of America had earnings of over a billion dollars the first quarter of 2010 - you would think they would spend some of that money to make improvements in the short sale process. But I agree with a previous commenter, they will make more money on foreclosure and they delay every time and use the excuse that they have so many short sales that they are doing the best they can. When you call Bank of America on the status of your short sale, they will not let you talk directly to anyone that works on your short sale - they shield them from the people calling in and you can only talk to a customer service rep who gets on the computer and tells you that it has not changed - it is still in phase one or whatever. No one at Bank of America gives a damn about people - they just want their money so the CEO and higher management can line their pockets with bonuses, etc. because they did such a good job. All of them should go back to school and try and learn how to deal with people. And Barack Obama needs to wake up and quit siding with the people that contributes to his campaign funds. He will never get reelected because he takes care of the rich and dumps on the poor. Maybe that should be his next campaign slogan (Rich rules - poor drools)
Frustration, nothing works with BofA, not modification, not short sale, and yes the government is out to lunch, here is the biggest cancer in America BofA, I have been reading a lot, they pretend they don't know what they are doing, but they sure have a plan, foreclosure means more money for them, hard cash, who goes higher in the bidding war. So good luck to those trying to make a short sale, if you don't file bankruptcy they will make sure you are for life, they will ask for more money after short sale is complete. I feel for those trying to purchase a short sale, and the ones trying to make a sale on their house. What happened to good old America? when we sold our homes to downgrade, upgrade, relocate. My parents did it so many times, really I don't think we will ever get back to normal, if anyone remembers what that was. If you're worried about illegal people, worry about the ones that came here legally with so much money (dirty) paying outrageous prices for housing and allowing the bubble to inflate.
This is just great because I am just entering into a short sale with Bank of America right now. My ex. wants to declare bankruptcy on the house and Forclose on the house. Since she is the only one on the loan it is possible. It for any reason a short sale was held up or took a long time, the Forclousure process (Which the short sale is spoosed to stop) would continue. I put 160k into this house and I am currently on Social Security Disability, I am unwilling to walk away from my life savings not to mention this is the only house that will accomadate all 4 of my dogs. I have to have them seperated due to fights. Can my ex, still declare bankruptcy while a short sale is in progress, which would attempt to forclose on the house. She has demanded that I pay no payments like I usually do or else she will declare bankruptcy the day she see's it online. What do I do? Who needs to be contacted in order to fix these problems with Bank of America, who seems to be so imcompentent. 700Billion was given to banks and Bank of America is screwing everybody. Maybe it is time to make a stand and rally at one of their headquarters and invite the news, which would go to the paper, and at that time mention that the obama administration is either in it with Bank Of America or just does not care to back up their own laws.
BofA is the absolute worse, and I think the incompetence is no mistake. I think there is no way any company would keep so many incomitant (sp?) people on board unless they knew what they were up to. I lost a contract last week when we were only awaiting a final HUD change- the "negitiator" changed my phone number (why?) and said she could not get ahold of me- that is a lie- my number has been the same for 15 years, she screwed up and the seller lost his house- now no one at BofA can answer why? The left hand doesnt know what the right hand is doing- where the hell is the government- this bank is running amuk and getting away with it- AFTER they took all of the free oney? Unbelievable and offensive!
I am a realtor also dealing with a short sale ...I am dealing as the selling agent and I call almost everyday to get an update from them, and I get put on hold for hours transfered over and over! Drives me crazy! Terrible service, lack of knowledge! I get told a different story every time I call, I think they just make stuff up to get me off the phone! I can't stand it! I worked with another bank and had a full bank approval in 2 weeks! I am going on 4 months and just now getting to the second phase negoiater! They stink!
I am in real estate and I can honestly say from a professional standing that dealing with Bank of America is the most frustrating process there is. The employess you have to work the transaction with are rude, unprofessional, lack ethics, liars, incompetent, offensive, and uncaring.
What do they have to lose? Why should they care? They are receiving big $$$ from the government - or should I say the people? It's a shame that this bank has the power it does. They should be in the sellers, buyers or agents shoes.
have been waiting on approval since march on a short sale. seller living there for free for a year now i am paying more for rent because i dont have a contract. possibly going to miss out on tax credit. bank of america accepted money from government and leaves americans holding the bill. Hey president obama why dont you do something about this
I agree. Bank of America is holding me hostage for a short sale. Meanwhile, my life, and that of the Seller, is on hold. Have no idea when it will be approved and close. I have written to the President of the United States. Guess what, He hasn't replied yet! Someone needs to do something!
usury interest
I accepted an offer for a BofA credit card through a professional organization at 9.99%. After I started using it, I made a late payment and went beyond the limit twice. My interest was raised to 26.9%. I complained through my professional organization and the interest was reduced to 9.9% once again. I began paying every other week, and didn't use the card. Somehow, during one period, my first payment fell within the previous month, and the second payment was 2 days late. The immediately raised my interest rate to 26.9%. I'm still fighting this incredible rate, can't believe a professional organiza-tion could be conned like this by BofA.
Susan
The complaint has been investigated and resolved to the customer’s satisfaction.
Fully agree - Just posted a complaint about BOA raisinng rates and fees, just as all the other big banks are doing. Congress needs to aggressively rein in these big banks - they are a real threat to the Nation's economic recovery.
hold time
I've been banking with bank of america for 4 years now, and in the last year my reward for being a loyal customer has been to wait for 45 minutes to 1hour 15 minutes the last 6 times i've called. What bothers me the most is that the estimated wait time was 4 minutes every time. So now with bills backed up, my banking problem still unresolved, and no one at the banking centers around here to help me because they all told me to call, I also have to go and ask for money on the streets after i get out of work just to pay this phone bill. I almost have enough now on my fourth day walking around with a cup, but I think I would at least deserve an apology.
The complaint has been investigated and resolved to the customer’s satisfaction.
wont give a closing date for refinace
I applied for a home refinance in april it is now august almost 5 months later, I can not get them to give me a closing date for this loan the possessor has rarely contacted me and when I contact them they need more information, I have provided everything they have asked for in a very timely fashion. After calling today to find out when this loan will close or the return of my 500.00 application fee I am not getting any answers. Then the processor gives me some bs about you may need more income to qualify for this loan this is bs.
If it took bank of america 5 months to figure out I don't qualify there is somethings really wrong down there.
The complaint has been investigated and resolved to the customer’s satisfaction.
I was told by Bank of America that they couldn't provide written details of their refinance agreement unitl I gave them my credit card, but I could cancel the agreement for several days after receipt. (I can't remember if it as 7, 10 or 14 days.)
I received the agreement and the fees were higher than discussd over the phone so I canceled the refinance. BOA refused to refund my $400 application fee. I've complained to them and tried to cancel the charge via my credit card. Currently in dispute.
From a mortgage broker: my BofA friend and loan officer says BofA is not funding any refis only purchases. Has your loan officer left? Alot of them have. Look up National Association of Mortgage Professionals and find a mortgage broker! I am funding BofA's loans at .375% to .5% lower rate as well. Banks are a mess right now!
I also am having the same issues with bof they have bounced me from at least 5 people, never give a closing date, I believe I have all of you beat.I started this simple refinance in October 2009.8 months ago! It has restarted 3 times at least.NO ONE KNOWS WHAT THEY ARE DOING! Or MAYBE THEY DO?
I have most of you beat! I started my refinance in October 2009, 8 months ago! they have started my loan over 3 times, now today they inform me it will again go to process. This bank does not have any business in the mortgage business.I too refuse to cut my loss of a 3.875 intrest rate.I will not go away!
I am screwed! Never thought research is required to refinance. never had any issues in the past refinance. It's all about who we do businesses with. BoA and Wells Fargo plays the same game. I try to think from banks perspective, why would I want to lower your interest rate and save you money? that's less money for me! It's a sad sad world. I learned another important lesson in my life. But I already knew about this: dont trust nobody!
The same thing just happened to me, except that after six months, B of A told me I no longer qualified for the loan. When I asked specifically why I no longer qualified, they could not or would not explain. I paid $700 for application fees and after six months, rates have gone up and I can no longer get the rate I would have at that time.
With the amount of people this is happening to, THIS BEHAVIOR FROM BANKS IS OBVIOUSLY INTENTIONAL! When is the government going to take legal action? My tax dollars contributed to the bank bail outs and when I try to make a legitimate refinance, (I have perfect credit), I am put though intentional hell. This is wrong and shouldn't be allowed.
There is information you may need: US District Court (Massachusetts), Class Action Case No.: 10-10316, Patricia Johnson, on behalf herself and all others similarly situated VS. BAC Home Loans Servicing, LP. (Lawyers: RODDY KLIEN & RYAN). You all will be paid even doing nothing. Use and give this link to your friends, educate yourself, we so-o-o need it. It is inexpensive and amazing course help you to survive in any situation of our life. Go to: www.jurisdictionary.com/index.asp?refercode=CM0010. Best wishes.
After dealing with B of A I will never do another transaction with them. My home is currently financed through them, but I will be moving that as soon as I am able. My refinance process started in March 2009. Same story as everyone else. I finally got a loan officer that I thought would get my loan closed. She sent my financial information to an independent auditor (why, I don't know). Then they claimed I had $900 per month credit card payments, which I don't. I challenged them on this "fact, " but never received any response from them. Finally I saw that they had deposited my non-refundable application fee, so at least I received my money back. They don't want to do business with me, and why should they. I have my morgage with them, so they would lose money if they lowered my interest rate.
I definitely agree with previous posters, I initially went through the Jacksonville Fla branch of B of A to refi at 4.75% back in mid-November. I had a 60-day rate lock, excellent FICO and qualified for the Fannie Mae refinance program (heck, I do work at Fannie Mae so they couldn't pull a fast one on me) . B of A is also the servicer for my current mortgage so they had all the personal and financial info already and I needed no appraisal. I paid the $400 "non-refundable" application fee and faxed in all the required documents. I've tried repeatedly over the last 60 days to talk to my loan processor either via phone or email but never hear anything back. My rate lock has now expired and the market rate is significantly higher than the 4.75% I initially counted on. To their credit though, at the time of the refi they said it could take up to 120 days to refinance, but I doubted that it would really take it that long. These people are shams though, I guess being on the 'accelerated plan' really helps, haha.
We started the process to re-fi our home at the beginning of October, 2009. We had no problems qualifying (combined FICO score of 833; only debt the mortgage with a debt to income ratio of less than 16%). The only issue was that the appraisal came in lower than expected, with a loan to value of 84%, so instead of the 4.875% rate they initially offered, they gave us the option of either paying for PMI (private mortgage insurance), or increase our rate to 5.125%. We chose the increased rate option, and locked in with a promised 60 to 90 day escrow.
Our B of A rep, Jim, called about once a month to tell us everything was moving forward, they had all the required docs, and all we would need prior to close would be updated pay stubs and bank statements. Then yesterday, Jim called and said that we were almost there, but would we like to cancel? After waiting 130 days, why would we want to cancel? Then, he called back a few times to “confirm some things”. I started getting the impression he was looking for a way to disqualify us, but there was nothing amiss. Then he said he would have to re-run the appraisal numbers, since the appraisal had expired, but that came back with no change also. Then came the last call: “I’m sorry to be the bearer of bad news, but Bank of America is no longer financing loans with a ltv of greater than 80%, so you need to bring an additional $16, 000. cash in order to close the loan”.
Back in October, I could have chosen any bank to refinance and I’m sure we could have closed in 30 to 60 days. But now, interest rates have gone up, the rules have changed, and I’m losing hundreds of dollars every month due to my poor judgment in selecting Bank of America. I am going to post this message in as many places that I can in order to warn others.
lack of customer service
Why is it that a company of the size of Bank of America cannot have a web site or telephone service to address customer problems. If you call them you are routed in circles and/or you have to mumble to get an agent to pick up the phone. When you try to contact them online you never get a response. It would appear that they cannot keep CEO's and having to pay out on their poor decision making has cost us all. I have a phone number for their office in Simi Valley but it is as bad as all of the rest of the phone numbers. I can only hope that they tank!
Please read my post:
Bank of America — home loans customer service
VIOLATION OF 15 USCA 1692 ET SEQ
WACHOVIA SOLD ITS CREDIT CARD BUSINESS FIRST TO MBNA THEN MBNA SOLD TO FIA CARD SERVICES. MY LATE HUSBAND USED THE CARD. SINCE HIS DEATH, THE CALLS ARE HARASSING, AT ALL HOURS ANY DAY OF THE WEEK, AT HOME, AT WORK, ETC. THEY USE FALSE CALLER ID IDENTIFIERS AND HAVE VIOLATED 15 USCA 1692 IN NUMEROUS WAYS INCLUDING THESE MISIDENTIFIERS, IMPROPER HOURS CALLS, FAILING TO HONOR REQUEST (IN WRITING) FOR NO CALLS. MY NEXT STEP WILL BE TO FILE COMPLAINTS WITH THE FTC.
I NEVER AUTHORIZED ANY OF THE CHANGES OR CHARGES THEY ARE TRYING TO COLLECT THROUGH HARASSMENT AND INTIMIDATION.
The complaint has been investigated and resolved to the customer’s satisfaction.
Beware
I have a HotShot company based out of Oklahoma. I've dealt with Countrywide twice. The first time we were to be paid by Comchek at PICK UP. I faxed them everything they required including our W-9 (which is posted on CentralDispatch.com but I was told to send it with the invoice anyway, so I did) I immediately was put off by Al, then when I couldn't get ahold of him, I would leave messages for Katy because I was told that Katy or Al were the only ones that could give me a Comchek #. No response from her either. After 2 weeks I finally talked to Al and he said he would fax me the Comchek #. He didn't! I couldn't get ahold of Al for several days after that, by this time, I'm not very happy! He told my husband that they never received our W-9 (which by this time I've faxed it 3 times) I informed Al of this and he in so many words called me a liar. We said that we understood why they have an awful rating on CentralDispatch and his exact words were "CentralDispatch ratings are ### and that he was in no hurry to pay people like us". I asked what he meant by that and he said people that are trying to avoid paying their taxes by not giving them their W-9. He hung up on us and we called right back and got ahold of Shane in Dispatch. My husband asked if he was proud to work for someone that didn't pay their bills and asked if he got paid for the work he did for them. He said he did. Then my husband said ok, if you work all week and are to be paid on Friday and they say I'll pay you Monday then Monday they say I'll pay you next Monday, how are you gonna feel? He said I'd be pissed. My husband said that's exactly my situation. We did what we said we would do, now it's your turn. After a very long conversation, he decided to help us and by the end of the day, we had our Comchek #. Shane said he would expedite our pay if we ever took another load for them so we just took another load on June 31st. (Payable with Comchek after delivery) Needless to say, we've got the same run around but Shane wouldn't help us this time. I faxed an invoice on July 4th and after getting nowhere I finally talked with Al on July 20th and he said, call back tomorrow and I'll fax you a copy of the CHECK. I said you were supposed to pay with Comchek, it was on the dispatch sheet. He said they don't do business with Comdata anymore. (I'm sure because they didn't pay them either!) I was furious! **And I noticed today they are posting new vehicles on CentralDispatch showing payment is by Comchek!** They are total liars! We happened to have a driver in California so I faxed him the paperwork for this load. The address they have on Central is a UPS Store and they only have a PO Box there. I called one of their references and it was a cell phone for a girl that hasn't worked for the company they had listed for 3 years. (She wasn't happy with my call and hung up on me!) The other reference said they didn't know why they had them as a reference because Countrywide owed them money too. He said he had also tried to collect money from them at that location. He said I needed to tell my driver if he finds him, to go in, ask for Al and if he shows his face to "kick his ###". I did some more research and found that they are Worldwide Shipping Services, Inc. dba Countrywide Auto Transport and the actual physical address is: 999 CORPORATE DR. SUITE 130 LADERA RANCH, CA 92694 My driver went in the ofc. as was told it was only a "call center". He noticed Al Alamad's name on a door and went in, being chased by the woman that told him it was only a call center, saying he couldn't go back there! He threw our invoice on his desk and said he was with FTG Transportation and he wanted to pick up a check for $525.00. Al said, "how did you find me?" My driver responded with, the internet. He was able to pick up a check, we were lucky! This company needs to be shut down! Please, save yourself the headache if you are a customer, don't call them. If you are a carrier and want to get paid, don't call them!
The complaint has been investigated and resolved to the customer’s satisfaction.
We were scammed by Comdata too. They owe us hundreds of dollars. Richard Packard and Chandra Jackson have stolen money, and have the nerve to send invoices of $0 on an account that was closed in 2008. But, they won't return the money from our last factored load or the money in the Fasttrak account either. Good scam artists though. It sure is working well!
There was over $500, 000 of claims to their bond company. Yes...not a typo. Over $500, 000. It appears they raked in as much as they could over a fairly short period of time, and then dissapeared. Blatant fraud. No idea why these guys haven't been locked up.
Beware also. Semper Fi. Auto broker out of Las Vegas.
Just for your info folks I had just spoke to their bond company to get payment and they told me that this operation has been shut down, bond yanked. If you will notice you can't find them anywhere on the web or the different load boards.
Hopefully it will remain that way at least till they understand how to respect the hand that feeds them!
Jeff
JP Auto Transport
Omro, Wi
Fundamental Breach of Contract / Rip Off
Countrywide Transport Inc and his CEO Daniel Biran are a fraud and a company of thieves. Countrywide transport has no clue what they are doing when it comes to international shipments. They will charge you an agreed amount. Once they are in possession of your items, they will increase the agreed price even if you are within agreed terms. Unless you pay them this amount, they will breach your contract, keep your money and abandon your service. I am left off without the promised service, without my money and very likely thanks to their unprofessional lack of service and communication, without my household goods. Please please please stay away from these crooks. You do not want to be in my shoes. Trust me! If you want more info, read ahead. Countrywide Transport is the worst moving company you will ever find. They are unprofessional, rude, and above all thieves. I found myself in the need to relocate from LA to Mexico City for work reasons. I contacted 123movers.com, which now I know was my first big mistake. These people offer to contact several moving companies and all send an estimate competing for your business. Several companies all with completely different pricing schemes contacted me. Amongst them, I received an estimate from Countrywide Transport Inc from Dennis Vines. After going through inventory, reviewing, and negotiating terms, I signed a binding estimate for 200 cubic feet door-to-door service for $1, 900 USD. At that time, Dennis requested a $500 security deposit, which I promptly submitted. At pick up day, a rented truck arrived to pick up my stuff. This was the first hint that something was not right but unfortunately decided to ignore it. Two workers one by the name Matt, loaded all my belongings in the truck. Before signing anything or paying the remaining differential, I went through the inventory with Matt and asked specifically if the volume we just loaded was on the agreed 200 cubic feet. Matt mentioned that indeed we were on the quota and that there would be no further charges. At that time I signed a check for the remaining $1, 400 USD. The next day I flew to Mexico where I live now. After the first week, I received an invoice from Daniel Biran, who I learned is the CEO and owner of the company. The invoice demanded for $197 USD under the concept of additional 30 cubic feet that are over the agreed quota. I contacted him and explained that this was not possible since we made sure to remain on quota on the loading day. His reply was another and another request for this money without any attempt to negotiate. I tried to talk to him on repeated occasions and all I received were the same requests for the ‘missing' $197. At this time, I sent a complaint to BBB and told Daniel that if BBB determined that I was wrong, then I would gladly pay for the requested amount. In the meantime, I believed we could go on with the service knowing that an impartial third party would determine whether I should make that extra payment or not. Daniel Biran did not replied to BBB nor did he replied to any of my requests of going through the required documentation in order to make sure that everything was set for customs once the shipment arrived to Mexico. A couple of weeks went by and I received no news at all from CWT. Eventually I received a call from the port of Veracruz notifying me that a shipment sized 200 cubic feet had just arrived under my name. No inventory or arrangements were included with the shipment, just my phone number. I called Daniel Biran and asked about this situation. His reply was “you should pick it up yourself”. After this call he never replied to any of my emails or answer any of my phone calls. I asked Dennis who made the sale for help. Unfortunately, for me, Dennis has no power, authority or willingness to solve anything. He continuously reminds me that he is merely an employee and that everything is under Daniel's control. Now I am under big risk of losing my stuff. Not only was the contract breached, but also the inventory did not arrive with the shipment and without an inventory customs will not let the stuff go through. It is impossible for me to remember the amount of boxes, products and serial numbers, which are required for everything to be released. Now I am left off trying to solve this big mess. I will have to pay moving everything from Veracruz to Mexico that is if I am able to release my shipment.
The complaint has been investigated and resolved to the customer’s satisfaction.
We also were scammed by JBK .. we paid them $9000 to move our stuff to South Africa Cape Town. After many phone calls and no joy with Adam Goldstein we finally got our household goods 6 months later by contracting Pickfords South Africa to move our goods from NY to Cape Town costing us another $9000 ... they are scammers DO NOT TRUST THEM
I work for a reputable moving company. A neighbor of mine contracted with JBK to move his household goods from Michigan to Australia. JBK quoted him $8, 000. Once loaded, they demanded $12, 000. Said it went heavy than oringinally thought. I gave him a quote of $20, 000 to move his items. He said he wanted to save $12, 000 and went with JBK. He just emailed me and said his items are still in Michigan and he is out $12, 000. I will now be handling moving his items to Australia. I saw the truck show up to his house, and they had 2 "NON-movers" loading a ryder truck. They took the items to a mini storage unloaded them, and left. Fortunately for my neighbor, he was able to track down his stuff. JBK is a "rogue" mover. Looking to scam people and take there money. This guy should be behind bars for all of the crimes he has committed. DO NOT book your move over the internet. Have a local reputable moving company come to your home and provide you with an accurate estimate. Make sure they've been in business at least 10 years, and have a physical address to can go see if necessary.
correction and addition to my comment above, Adam Goldstein-Daniel Biran-Melvin L. Cash- are the same person who own JBK Transworld Shipping and Storage company. The Jewish-Israel community has nothing to do w/this, but I am sure they would be ashamed to learn about their bad apple Adam Goldstein, who is scamming people all over- Stay away from his co. If you use Movers 123.com to seek help for your shipping, JBK Transworld Shipping and Storage, have ways and tactics, they will steal your sale from the good reputable companies and act like they can give you the best possible price.. If you hear from his new staff that is always changing--now-Charles and Bob. Do not take or answer their emails or calls- Please check out Movingscam.com and this site for all the people Adam Goldstein has stolen money from--thousands and he refuses to pay.
I wouldn't be susprised if this comment by Betty has been made by the one and only diskyzed daniel biran and adam goldstein - these two names are the same people. Goldstein? BIRAN? this man has no shame of what he is doing, he is stealing people's money. He is always in the run when authorities want to catch him. He simply has no morals and does not fear God. By the way he is jew-israelite, Not American Jew-from the good, honest, sincere people. He needs to go back to the same hole he came out of. THe company JBK transworld and Country Wide are the same co. STAY AWAY from dealing w/ these companies, I am sure he is getting ready change his name again since we all know who he is. Search for movinscam.com, you can read about their scam.
I've used JBKtransworld and I had a wonderful move to brazil they fulfilled every aspect of the move to the fullest. i would use them again if I need to move!Sincerely yours Betty.
Countrywide Transport Inc, has been contracting with people for years and not fulfilling the contracts as written. They say they will deliver within 4-6 weeks to Europe or 6-8 weeks to Asia and they take 20-30 weeks to deliver your goods because they use the slowest and cheapest mode of transport on earth tha takes months longer than they say it will. Run from JBK Transworld Moving and Storage in Wyoming and Georgia.
I contracted and paid the company name :
JBK TRANSWORLD MOVING & STORAGE
6040 Unity Drive Suite K, Norcross, GA 30071
Ph: [protected] Fax: [protected]
www.jbktransworld.com
ICC686070 US DOT 1914914
A sales person, Craig D. Westfall, sold me the services and turned my order over to the manager, Adam Goldstein, who I now know is Daniel Biran the owner of JBK.
However, all my paperwork is all assigned to :
Countrywide Transport INC.
6180 Atlantic Blvd., Ste. F, Norcross, GA. 30071
Ph: [protected] Fax: [protected]
ICC MC 598903 US DOT 1621672
www.countrywidetransport.net
I have since found out both of these companies are both owned by Daniel and Natalie Biran and that they are taking people’s money and not shipping their goods as a standard practice. They take the orders under JBK Transworld, then move the goods to their warehouse in Norcross, GA and hold everything, not shipping it as contracted to, for months, under the guise Countrywide Transport, Inc, their warehouse in Norcross, GA is causing the delays. The blame for the delays are always some elses fault, not theirs. And things disappear and no one knows where they go. All my major appliances disappeared, stove, refrigerator, washer, dryer, and of cource Daniel Biran and Adam Goldstein denied any wrong doing.
Pat Bailey and Joyce Steward
adding service without user response
I opened a checking account with bank of america. Recently privacy assist service automatically added into my account with customer confirmation. This is not free for the bank of america, it usually charged $8.99 every month. This service should be enabled only customer get prior approval for adding this service.
I request everyone who opens account with bank of america to check periodically their account statements and go to the bank immediately if something not known to them. In the future, avoid opening a new account from bank of america.
I request everyone to open accounts other than bank of america. Some of the banks have better service(Chase bank, Capital one, Discover bank). Try to open such a accounts to build good relatioship with these banks.
The complaint has been investigated and resolved to the customer’s satisfaction.
I was taken in by this same scam. A man called my home in July informing me that he was calling from FIA card services, I verified if this was a sales call and he lied that he was not selling and said that he was from the card services. He said in these days there are lot of identity thefts and seems that there was a hack into a batch of creditcard numbers at thier end. They were sending out the credit reports and i was to check if there were any misuse of my account. I confirmed if there is any charge for getting the credit report and he said that there was no charge and they sending it out to all people whose account maybe compromised. So they they had reason to believe my card account could have been misused and that they needed to send me the credit reports so I could make sure that my account was ok. He then proceed to tell my credit card number and he asked to confirm my social before he could proceed further. i confirmed my social. He then asked if he could record what we were saying and if i agreed to do this. I said yes. He then proceeded to very quickly read some terms and notices. I halted him saying he was too fast and i did not understand most of it. He lied that its part of his job to read out and make sure i heard it. He was pretty glib and kept on talking. I halted him again and he was pretty irritated and kept on talking.
I immediately went online and monitored my credit card account for a couple of weeks. No credit reports were mailed to me. Today Aug 14th i seen my credit card statement and there is a charge $12.99 a couple of days back by Privacy Assist.
I called Privacy Assist to check what was going on. The lady on customer assist was trying to convince me that it was a good deal to have protection. I said i m not interested. For the last so many years I have been regularly solicited to buy credit protection, and i never brought it. I then proceeded to tell the lady that i did verify if the guy who called was selling and how the guy lied. She then offered to lower the monthly charge if it was too high. It was like she did not understand that i did not want the service period. After much annoyance and petty talk she finally said that she will discontinue.
I asked for her to refund the money charged and she point blank refused, saying it is my fault that i accepted and BofAmerica customers wer given 30 days...it was like she never heard anything i told her about the guy lying and conning me. I finally told her i will lodge complaints. I told her in the first instance i got the card from Wachovia and not BofA. Secondly i never agreed to the service and finally i never got any credit report too. On and on it went, i was really getting angry. I told her to verify the call made by her rep and she had no right to call me a liar. After much trauma she finally agreed to refund the money.
I agree with earlier comments that 1. They are deliberately scaring someone with a lie so they can steal from the average man and this is so wrong. 2. Giving thier dishonest affiliates my credit card number and asking to verify last four digits social security number is also wrong. 3. The customer assist person tried her dammest to hook me to the service and refused to refund $12.99.
It is sad to hear that the USA employees at customer assist have to work in such pitiable circumstances. My heart goes out to them and urge them to leave as soon as they get better oppurtunities. It will not be easy in this economy. But harassing clients or being a fraud is not the better alternative.
For the most part the majority of customer assists call centers are outsourced and the people there are least concerned about service to Americans. I sometimes am inclined to beleive that they take deliberate pleasure in stickin it to Americans. I hope to be wrong in this, as the only ones to blame are other greedy Americans who outsource in the first place just to fatten thier bonuses.
BTW I agree that "tigereyze" has a vested interest in the company. He probably is employed by the company as PR and his job is to discrediting the folks who are complaining.
Do not trust such Corporates to be honest, or act responsibly, when it comes to this scam. They don't really care and just want your money.
The same thing happened to me. Luckily, I noticed the very first time they charged me the $8.99 for Privacy Assist, and after only about 5 minutes on the phone they were willing to cancel the service and refund me the money (but not until after running through all the wonderful things Privacy Assist would do to preserve my fabulous credit score). However, the woman I spoke to there claimed her computer shows I signed up for the service online on June 4...the problem is that I opened the account in a BofA branch on June 12. So I'm not sure how I signed up for a service when I didn't even have an account.
It seems BofA's financial troubles are causing them to do some semi-shady things, hoping people won't catch on. So I suggest everyone pay attention to their accounts.
-- Greg
Norman, Oklahoma
sided with a fraud company like dh gate
I made a purchase on DH Gate.com - CHINA. They sent me damaged items. I have an online protection purchase on bank of america, so I filed a dispute regarding the items I got. They asked for documentation after documentation, faxes after faxes, which I sent... then in the end, denied my claim saying I have to contact the seller! I contact the seller before filing a dispute which I sent to bank of America, they closed the dispute without letting my know... IS THERE ANYBODY OUTTHERE THAT WE CAN FILE A CLASS ACTION AGAINST BANK OF AMERICA... they would rather steal your money, side with the fraud merchant like dh gate!
because you work for bank of America, you are also a THIEF! you make money out of me... I pay extra for to have a secure online transaction. Bank of America told me to contact the seller, returned the merchandise, I paid for my shipping back. I did everything, YOU TOLD ME TO DO...then you told me.. I DON'T HAVE A CLAIM! I don't have a claim? I did everything YOU PEOPLE asked me to do.. after all the faxers AFTER FAXES, documentation AFTER DOCUMENTATION and phone calls.. you told me I don't have a claim? I hope you sleep well at night ...
The complaint has been investigated and resolved to the customer’s satisfaction.
Banks do not reverse charges due to faulty merchandise. That is something you have to take up with the business. You can file a dispute if your account had fraudulent charges on it, being charges you did not authorize. Since you gave the website permission to take funds from your BOA account you really have no claim.
sold my debt to cach
I have been in a debt consolidation since 6/2006, got 4 out of 6 cards paid off. On 7/6/09, I received a summons in the mail from a law firm stating that CACH LLC is sueing me for $6500. I had no clue what this was about since I gave a POA to the debt co., I have never received a letter, monthly billing statements, that CACH was now the debt collector and they took over in Feb 2007, its now 7/09. I have been in contact numerous times with debt co. asking them about this debt. regarding this summons. At the time I turned everthing over to the debt co, this bill was only for $2119.00, and now I am being sued for $6500. Cach has never sent me anything after they bought the debt, and on my debt co., it states settlement pending. I had no idea about this until today when the debt co emailed me saying cach bought the debt back in 2/07, it is now 7/09, why wait so long. I have replied to the court, so just waiting to hear for a trial date. Is this legal for Cach not to contact me for payment of this debt since 207 and receive a summons in the mail on 7/09?
The complaint has been investigated and resolved to the customer’s satisfaction.
I would go to a lawyer. These law firms that collect debts are the lowest of the low and typically do things that are questionable. I was sued by one for a debt a few years ago and got legal help through the local law school for free. They were going to dispute the entire case because the law firm tried to say that Capital One's address was their address, but we ended up settling. Definitely go for legal advice.
charges to check my account balance
I receive child support payments through a debit card system. This is set up with the State of New Mexico Child Support Enforcement Division. Bank of America charges .50 cent every time I call to check my account balance. May not seem like a lot to some people but to those of us who need those funds coming in and dont alway get them on time... we check our accounts daily... it adds up. Bank of America is using the State to help them rip people off.
The complaint has been investigated and resolved to the customer’s satisfaction.
It is not the banks fault? Are you kidding? This is a card that I was sent to me by the State of California, so that I could get paid $60 per month, on $1000, 000 of child support that I should been paid years ago. Green Pay card? You must work for the bank! Bank od America issue's the card based on some deal they made with the state.
Mister Banker! AND YOU KNOW THAT! Yeah, it's a green card alright. It make alot of green for the banks on the lifes of children?
I just went to get gas with my "child upport" card, and got a 72 hr hold on $60.
Again, I am owed $100, 000.o0 for back child support. My boys are men now, and one is a police officer, my baby is 28 years old and I have fought for over twenty years just to get child support that is owned to me., and now I am being raped again by the banks. I guess thats how it goes. No Justice. Here's the justice the state makes a deal to let the bank take your money. Nice, but I bet mister banker will say thats fair, because he's the one ripping you off.
I'm calling the media. GREEN PAY CARD! PLEASE...
That is NOT Bank of America, it is a green PAY CARD that has nothing to do with Bank of America, it is through your employer and I know you know this. Why don't you just go to the bank and open a normal account.
Agree, this is a rip off; but, not sure where all the fees go. The partnership saves the States money - big time.
I just checked on all charges that apply to this account. Found out what the fine print means. This is in CALIFORNIA
1) 4 free withdrawals a month after that - it is a $1.50 charge to withdraw funds
2) 1 free customer service call per month - after that each call is $1.50 charge to the account
3) ATM's that are not B0fA there is a BofA charge of $1.50 and the ATM charge as well
4) DO NOT SWIPE THE CARD AT THE GAS STATION PUMP - this causes a 72 hour automatic HOLD on $75.00 or what ever amount is in the account !
5) negative balance charge - $20.00
The arrears on my child support is 200, 000.00 and an institution has a right to put a hold on any of the few dollars that are attached and charge fees?
This is the best example of BANKING in AMERICA and CHILD PROTECTION working TOGETHER. SHAMEFUL
Oops...I meant, you AREN'T getting your house.
No help.
In January of 2009, my husband & I decided to try to get a loan to purchase a home. We had two friends that had been pre-approved for a home loan, young like us so we asked ourselves, "Why not us?"
I got in touch with a family friend who referred me to a loan officer working for Country Wide. She told me that I was pre-qualified on my own. My husband doesn't have the best credit so we figured that was good news.
We started looking around at houses, had offers on a couple that just didn't work out then found the (1st) home of our dreams! Beautiful, 1 story house in Goodyear, Arizona. Perfect for us & our children. It really sounded too good to be true, & we later found out why.
We made our offer, they accepted…(THEY being Fannie Mae) & we started the process of getting this house to be ours.
We paid the inspection fee: $295.00, the earnest deposit: $1000, & the appraisal/credit report fee: $490.00.
We were supposed to close on March 11th & we thrilled to be first time home buyers about to buy such a beautiful home! Another plus was the $8, 000.00 credit for first time home buyers we thought was going to come our way!
Come March 9th, we receive a phone call from our realtor saying that they needed more time. He & the loan officer just got off the phone & they weren't going to be done by the 11th. We needed to sign an addendum for more time.
What I forgot to mention: The property manager for Fannie Mae was just a jerk. He said that if it went past March 11th, he was going to charge us $100 a day. & If it didn't go through, that he was going to keep out earnest deposit. We also found out in the mid-of everything that though I was pre-qualified on my own, Arizona is a community property state & that my husband's not so great credit was going to affect everything. After we had paid the $1800+ to everyone (title company, inspector, Country Wide) they said we absolutely needed a co-signer. If we did not get a co-signer, we were going to lose the deal & the $1800 we put into it already would have been a waste.
We got my parents to co-sign. My father has immaculate credit. They said everything was good, everything was GREAT & that we would be in the house! So AFTER March 11th, came & went, the loan officer said she just couldn't get us the deal. We tried 2 other mortgage companies & they couldn't do anything for us either. We lost $1800+ & a great house.
I work for an insurance company making $42, 000 a year & have worked with my company for 2 years now. I have a great job & benefits. I have a very limited credit history. I don't have bad credit, just not enough. After this whole ordeal, I tried calling back the title company & no one returned my calls. I contacted the BBB. They have yet to answer my calls & emails. I guess everyone is just busy spending my money & laughing about "The poor fools that thought they were going to buy a house."
By the way, our friends that were pre-qualified before us, they bought their home. The two of them together make less than me, they don't have good credit & are about to lose their house. They've only been living in it for two months.
I cannot fathom the thought of why the government let them buy a house they couldn't afford because they had more credit, not better, just more credit than I do. & I, my husband & I, can afford a house right now with the homes for sale in AZ but couldn't get a home. & COULD NOT for the life of us find someone that could help us! That is what bothers me the most!
We were only told that I need to build my credit. Can you take a guess as to how many times I've applied for a credit card? (This would be my first credit card by the way.) They all said I had too many inquires on my credit within the last 6 months. Funny, & the loan officer told me all mortgage inquires would show as 1 inquire if they were from within 30 days. I don't think so.
So now, I am pretty much f*cked. It's ridiculous how this effed up government works & how there is NO HELP!
The moral of this story, please know that a pre-qualification is NOTHING. Don't be fooled, read about everything that involves the home-buying process. If something doesn't feel right to you, listen to your instincts. Our friends are about to lose their home because their loan officer fooled them into thinking they could afford their house. We know of another couple that just got their keys a few days ago, & we know they will lose their house too. Make sure everything is calculated correctly. Ask all the questions you need to, to feel comfortable with your decision. & If you find your "dream" home, don’t over pay! There are plenty of homes right now for sale, especially in Arizona for GREAT prices! What my husband & I have learned is that, once we are able to buy a home, we aren't going to go for the AMAZING home of our dreams what we can barely afford, we are going to buy the best deal on the cutest house & MAKE it our dream home! :)
I hope someone can learn something from our mistakes.
The complaint has been investigated and resolved to the customer’s satisfaction.
we wont give you a receipt - give me your id
This tops the cake now - In order to deposit $100 cash into my sons account i must show my drivers license - please tell me why? when i had the account number i should have been out of the bank in minutes but NO this is the BANK POLICY. Funyy though standing just five feet from me was a woman who was depositing a check into her daughters account, she did not know the account number but the teller was able to give her the account number to write down and best of all she did not have to show an ID - so how is it that bank policy only applies to some and not to others?
Now they have taken it even further today i deposited another cash deposit and the teller REFUSED to give me a receipt - according to the teller this was to protect my son - but how can she prove to me that she actually deposited the money into the account i requested - the response - YOU DONT GET ANYTHING > please tell me why i would want to do business with this bank
The complaint has been investigated and resolved to the customer’s satisfaction.
Incompetent Department and Service
Six months ago, at the end of January, my husband and I put an offer down on a house in Monroe, CT. We found out after negotiating a sale price with the sellers, the house would be going into short sale. We agreed to move forward with the sale and went to contract on February 20, 2009, putting down an additional 1.5% (as requested by their attorney). As of this date, the seller’s attorney has a total of $9, 550 in escrow ($3, 830 as initial deposit, $5, 720 at contract) toward the sale of this property in which we are not obtaining interest on. In addition, Countrywide (now Bank of America), has been giving us the run-around and has not been able to get anything completed on the sale of this home (see timeline below). Our whole team, including both our attorney and theirs, both sets of real estate agents, and both the seller’s and us, have invested so much time to help move things along with the bank but to no avail.
Every representative we speak with at the bank does nothing but add notes to our file based upon our conversations and we continue to receive false deadlines that are never adhered to by the bank. On top of this, we seem to be encountering a red tape nightmare. As you will see in the timeline below, we have completed all requests made by the bank in a most timely manner, and have been calling Bank of America almost daily to check on the status of things, and yet they still had a reason to move our file to the bottom of their endless pile due to an extremely unrealistic and unobtainable procedure on their end (see timeline beginning May 8, 2009). My husband and I feel hopeless and are trying everything possible to get some help to get this deal done. The seller’s have not been paying their mortgage on this house now for some time, so should we back out, the house will go into foreclosure. This obviously is a bad situation for all involved, especially Bank of America who has a solid, fair market offer (that is almost dead on with the appraisal) on the table for proposed sale of the property.
Listed below is a timeline of the events that have occurred thus far and have not amounted to any progress. We are concerned about missing out on the $8, 000 first time buyer tax credit that had given us incentive to buy in the first place, and about the now climbing interest rates. Being that there doesn’t seem to be an end in sight, we cannot lock in at a rate. We are becoming desperate…we love the property and would hate to have to walk away due to an inadequate, failing system that Bank of America appears to have functioning (or not functioning for that matter).
Timeline:
January 29: Offer accepted by seller
February 20: My husband and I go to contract for the purchase of the property with a sale price of $382, 000 (appraisal came in at $385, 000). Additional 1.5% deposit submitted (for a total of $9, 550) at signing. Contract is sent over to seller’s attorney, who sends along short sale package to Countrywide/Bank of America for approval.
March 3, 2009: Seller's Attorney indicates he was finally able to speak to someone at Countrywide/Bank of America in regards to the approval for the short sale. Unfortunately, he was told that they would not be able to give him an answer until March 19, 2009.
March 23, 2009: Seller's Attorney follows up with Countrywide. They have nothing to report other than that the file was assigned to someone in the short sale department on March 9, 2009, and that they have to give that person 30 days to review the file before we can contact them.
April 9, 2009: 30 day mark for Countrywide’s review process. Seller's Attorney speaks with Countrywide who informs him that we should have some response or information in the next day or two. They asked that he call back again tomorrow.
April 10, 2009: Seller's Attorney contacts Countrywide again and speaks with someone who informs him that they are expediting the matter and bringing it to the attention of a manager because of the length of time it has been in their system. They ask that he call back on Tuesday or Wednesday of the following week, at which time they hope to have assigned a negotiator to discuss the file with him.
April 16, 2009: Seller's Attorney speaks with Countrywide again today and is told that the BPOs have been submitted (they were actually submitted in March) and the next step is to be assigned to a negotiator. Three times in the past 6 days, the 10th, the 14th and the 16th, Countrywide has told the Seller's Attorney that they were "escalating" the matter to get a supervisor to look over the file and make sure a negotiator is assigned and nothing has been done.
April 22, 2009: Seller's Attorney receives call back from Countrywide who informs him they are moving the file along through their system but do not have more to report. They claim to be doing all they can.
May 1, 2009: A negotiator has finally been appointed and the Seller's Attorney was provided with a name and an email address. Countrywide instructed the Attorney that he is not to contact the negotiator for ten (10) business days.
May 5, 2009: Countrywide requests updated documents from Seller's Attorney including a HUD-1 form, latest listing agreement, and seller's expenses from their agent. Deadline given by Countrywide for this updated information is May 13, 2009.
May 8, 2009: Attorney faxes over updated documents (requested on May 5, 2009) to Countrywide, following procedure as they had dictated to him.
May 9, 2009: Countrywide called seller's agent, to arrange the BPO and have house inspected that same day. Two agents came to the property to complete the BPO the following Tuesday (May 12).
May 22, 2009: Seller's Attorney informs us that he spoke with Countrywide and they have declined the short sale and closed out the case because they did not receive the updated documents they requested by deadline. According to Countrywide, they need 7-10 business days to scan the documents into their system (after receiving the fax) and therefore, do not recognize the documents as received until May 18th, even with them having been sent over only 3 days after their initial request, on May 8, 2009. Attorney fights this (being that this procedure was never communicated nor would it have been possible to get them the information on time even if they had provided them the documents on the same day they requested) and they agree to reopen the case and assign us back to the prior negotiator. We cannot call the negotiator for 3-5 business days.
May 29, 2009: Seller's Attorney calls Countrywide (now transitioning over to Bank of America) to follow up with the negotiator in which he is now told that they are assigning the case to a different negotiator and that he cannot call him until Friday, June 5, at the earliest. Countrywide informs him that our file went back to the end of the line and it would be 15 business days since we got back in the line last week. Bank does acknowledge that they have all the appraisals they need and for the first time they asked for the price of the sale and the identity of the buyer.
June 3: Seller's Agent begins calling every day (taking over due to Attorney's frustration with the inadequate service). She is told today at 2pm that the computers are down and they instruct her to call back later. She calls again at 5pm and 7pm and computers are still down.
June 4: Agent calls Bank of America at 9am and computers are still down. She procedds to call every 2 hours throughout the day and they remain down.
June 10: Agent connects with Bank of America and is informed that they have all of the paperwork but they need the sellers to call the home retention representative to give an updated financial statement and fax over their May pay stubs. Once that is done, the file will advance to Phase 2, in which they will process all of the information that they already have (and have requested over the past 5 months). Per Bank of America, the appraisal was already done and came in good. Also per Bank of America, if we continue to call daily, there is a possibility we can get the deal done in a month.
June 11: The Sellers speak to the home retention representative as Bank of America instructed and completed the verbal financial statement with them. May pay stubs were faxed to a woman named Kathy's attention. Kathy confirms receipt.
June 16: Agent speaks with the Bank of America who informs her that they had not yet gotten the May check stubs in the system which were faxed over last week…said it usually takes 7-10 days before its in the system and asked them to fax Junes statement just in case, this way it won't hold up anything else from moving forward (which we did). Bank of America says they are sending the file to the escalator.
June 19: Agent speaks with a representative at Bank of America who informed her they were reviewing the file and would be making a decision and passing along to a negotiator that day (Friday) or Monday.
June 29: Bank of America called agent to request a revised offer agreement so that the numbers match that which is listed on the HUD form.
June 30: Updated documents requested on the 29th were revised and sent over to the bank.
July 7: Agent speaks with Jocelyn at Bank of America. She checks and confirms that all information was received. Jocelyn apologizes for the file taking so long and says she will put in a request to escalate to the negotiator. Agent continues to call daily. Negotiator that was promised by June 22nd (the latest) has still not been assigned.
July 8: Agent speaks with Christine at Bank of America. Christine says there is a new way to escalate to the negotiator and it will take 2 days…by Friday we will have a negotiator. She instructs agent to call again on Friday.
July 10: We have a negotiator, Robert Smith (that can only be contacted via email). Agent emails him and attached all appropriate documents just in case (contract, HUD form, etc).
July 15: Agent speaks to representative with Bank of America who identifies that the file is with the negotiator in Phase 1 (which means he is reviewing the file to make sure all the paperwork is there) and then it will go to a Phase 2 negotiator who does the final approvals. We are informed that the Phase 1 process can take up to 30 business days until it goes to Phase 2 negotiator.
As you can see, we appear to be getting the run-around with Bank of America and are extremely frustrated with the lack of progress this file has made since the signing of the contract back in February 2009. As referenced, the purchase price on this property is at the appraised value, and all paperwork needed is completed in the file. There seems to be no sense of urgency on the bank’s end especially when our efforts have been tireless. The unoccupied property is now unmaintained and we are about ready to walk away from this deal. We thought we would put one last ditch effort in to see if anyone can help to move this forward. We understand Bank of America is extremely backed up but this business practice is completely unacceptable. Should I provide my clients with this lack of service, I would be out of business and out of a job.
It's unbelieveable that we're all in the same boat. Here is the update on the above complaint I originally posted...as you can see, we seem to finally be moving somewhere but I have lost all confidence that this deal will actually happen by the deadline we have now set will all parties involved.
July 15 (part 2): My husband and I drafted an email complaint and sent to upper management at Bank of America (including the CEO and head of their Mortgage Division). Of course we did not receive a response, however, one of those that we emailed forwarded our message along to a Cindy Repreza in the BOA Customer Advocacy Group. Cindy emailed my husband the following "Bank of America understands the urgency of each case and it is our intent to provide our customers with the best possible solutions within the most efficient time frame. Please contact me direct at 1.800.669.2443 extension 3542 to discuss your short sale request." The seller's agent then left an extended message on Cindy’s voicemail hoping she would help. Received no response this day.
July 16: Seller's agent calls Cindy Repreza several times today and finally gets a voicemail back - they continue to plan phone tag for the day.
July 17: No response back from Cindy on the last message the seller's agent left. My husband called and left a follow up message for Cindy today as well as did our agent.
July 20: Our agent speaks with a representative at BOA who confirmed it would be 15 business days from July 9th before our file would be moving to the phase 2 negotiator (not 30 as originally stated). Our agent asked if she could speak to the negotiator and was told that he would contact her if he needed additional info (wouldn't transfer over). We have still not heard back from Cindy.
July 22: Buyer's agent emailed Robert (the negotiator) again this morning to get a status update. My husband also followed up with another email to the same upper management folks as well as Cindy to express our frustration with the lack of response from their "customer advocacy group". Cindy finally returns our calls and apologizes for the length of time it has taken her to get back to us. She stated that she has escalated our file to a VIP negotiator that will be assigned by tomorrow morning. If we do not hear from her tomorrow, we should call her back.
July 23: The most recent negotiator assigned to the case, Robert Smith, emailed the buyer's agent to say that the file had been reviewed. They are in need of 2 pdf documents that should be emailed over to him within 7 business days, the listing agreement and the 3rd party authorization. These are both emailed over the same day. We also receive the contact information for our new "VIP" negotiator, Danielle Parker (assigned to us by the Customer Advocacy Group)
July 28: Buyer's agent emails our new negotiator, Danielle Parker. Danielle calls her back but they miss each other.
July 29: No email or call back from Danielle.
July 30: Buyer's agent emails Danielle again and receives an email back at the end of the day to explain that she had "system problems" and would have an update shortly.
August 3: Our agent called both the short sale dept. and Danielle today in hopes of getting an update being that another week has gone by without any progress. I also called and left a plea message for Danielle as did the Buyer's agent who also sent Danielle another email.
August 4: No Update/response
August 5: I emailed Danielle in morning to ask for an update and confirm she received my voicemail on Monday. We did not hear back by COB so I called Cindy Repreza with the Customer Advocacy Group and logged my complaint. She emailed Danielle and asked her to call me. I received a call within 15 minutes of hanging up from Cindy. She expressed to me that she emailed the buyer's agent last week to let her know new BPOs were needed on the house (this email was never received and I communicated that to her. The only update we had from her was on July 30th in which she stated she was having system problems and would be getting back to us shortly). Danielle apologized and put a rush order on the BPOs (now our 3rd set to be completed on this house because the other 2 are outdated). She informed me that after she receives those reports she needs to rework the numbers and send out her recommendation to Fannie Mae who will then have to approve the short sale.
August 6: My husband and I officially set a deadline (Labor Day'09) for approval on the short sale. We are expecting a baby in December and can no longer risk not having a home come late fall. We emailed our deadline to our agent who in turn forwarded to both attorneys, the seller's agent and Danielle Parker at BOA.
August 7: Two agents complete the BPO’s (via Rush order from BOA) today.
August 10: Seller's agent emailed negotiator to confirm she received BPOs and get a status update. Never heard back
August 11: Seller's agent emails negotiator again…never hears back.
August 12: I leave a message for negotiator due to lack of response. Do not hear back.
August 13: Buyer's agent sends an email to negotiator to follow up. Never hears back.
August 14: I emailed negotiator to follow up on my voicemail from Wednesday - do not hear back. Our agent calls the Customer Advocacy Group again and speaks with Cindy who in turn emails the negotiator to give a status update to our team today by COB. No response received from negotiator following this call.
August 17: Negotiator finally calls seller's agent back and indicates she was out of the office sick and in the hospital most of last week. No one can cover her desk while she is out because they are each assigned specific cases. She was submitting our packet today to the mortgage insurance company who then has 4-5 days to review. Once she receives their approval, she will forward along to Fannie Mae. Negotiator asks that we stop bombarding her with calls/emails and that only the seller's agent contact her moving forward since she is the only one authorized on the account (she seemed annoyed that we keep getting their Customer Advocacy Department involved) and said we were just slowing things up.
August 18: Our attorney sends official note to the seller’s attorney requesting that they refund our deposit come September 7th if we do not have an answer.
The complaint has been investigated and resolved to the customer’s satisfaction.
yaayayayayyya
For those of you who chose BofA to work with - it's your fault! Never choose BofaA! Or Wells Fargo or Citibank. These are crooks who will screw you every chance they get. Work with a small local bank, or better yet, work with a Credit Union.
For those of you who had no choice in using BofA, pray, pray and pray. Nothing else will work (and this won't work either).
Instead of leaving it on the level of bellyaching, try to figure out what is going on. These banks DO NOT WANT YOU TO BUY HOUSES THAT THEY OWN. They can afford to wait until the market goes up again and sell them for a lot more than you are offering. You can only succeed if you can find a niche where they might want to sell for some special reason.
And for you ignorant fools who think lien is spelled lean, and their is spelled there, I have no sympathy for you. Read over and fix your post before hitting submit.
BOA rep... kinda makes BOA reps sound bad. I have been in the short sale business and I will admit, I have meet some really nasty Agents but I would NEVER let the buyer or the seller down because of it.
Of course, I pick up my phone and ensure they are called and are up to date on everything starting BEFORE the file even really gets to me. As for the nasty agents, especially the ones that actually don't want to attempt to even TRY to work on a file...well... i kind of understand. But again, I wouldn't just sit on a file if there was anything I could do about it.
I have personally been subjected to death threats because they "didnt think they needed a new BPO" well guess what bucko, i am only doing what the investor requires, if you wont get off your behind and let the BPO person in the home, I am OBLIGATED To decline that file. I hate to do it because sometimes there are REALLY good and easily closeable offers on the table, but if I can't get current valuations, I can't negotiate. The same goes for the documents, we need those, they arent a request, they are mandatory.
I busted my butt for a long time because I TRUELY cared and i KNEW these people hit hardships... heck even if they just wanted to get out of a home that was devalued by 100k, I can understand that too... But, a lot of you are blaming the bank that serviced the loan and not even questioning your agent.
I would... my old bank would send letters as to why we declined files IE: no communication or docs within X amount of days. Just because your agent SAID they sent them... I can almost guarantee they didn't. They all are guaranteed 6% commission on these loans. My favorite line to any realtor that got nasty with me was, look, you are making (average) 8k on this deal, i'm making 30 dollars ... if you want it to happen you MAKE it happen by working with me and getting the things I need... otherwise, I cannot do my job and get a deal for the buyers.
We placed on offer on short sale in PA 1st week of February its April and still no answer. Seller accepted our offer within 1 day of offer, contract was sent to BOA, receipt of contract was noted and a negotiator was assinged, one week later apprisal was done, since then no progress all we get is we are working on your file, 1st negotiater stopped answering her calls or email, realtor contacted her manager was told she no longer works there and was assigned another negotiator she actually answered all her calls and emails until she was confronted with the progress she replied and stated offer was under review, and the appraisal had just been uploaded to system two weeks after initial day of appraisal, now that appraisal was being evaluated and compared to payoff amount, never heard from her since, finally I had read a posting here that one buyer or realtor actually went as far as sending a letter of complaint to the VP of BOA, did that last week, received numerous call that our file was escalated to a senior management negotiator, then was called again telling our realtor that the head of short sales was taking over file to speed up the process due to my recent email, its been a week and no answer yet. Frustation setting should we move on? Fortuantely our home sold the very first day we should it but now closing day is getting near and we dont have an answer from BOA. All we want is a yes or no so that we can move on. Although we really like the home we are trying to buy, the headches from this long standing process that seems to give you the run around is tempting us to move on and look elsewhere. Help with any advise please. Thanks and good luck to all.
I am a Realtor in Chicago, 3 contracts on one property Bank of America 2Nd Lean holder
2/28/11 sitting at the closing table with a verbal that we are getting a letter from Bank of America stating they approved the short sale after waiting the previous week for the letter seeing they said there should not be a problem to close on 2/28. Let me tell you we heard nothing, no one answers the phone calls back nor responds to you, long and short buyer walks. The week after we put it back on the market we got another contract, do you know we are still waiting for the approval letter today since 2/28.
Sheriff Sale in 2 days they need then investors approval, I hope they go down and go down big Watch out for Bank of America properties and loans
I have done dozens of short sales with BOA. Before the Equator system, they were a mess. With Equator, I actually do not have as much an issue. They are still slow but at least there is a methodology with their process. Lenders such as Suntrust, IBM LBPS and Flagstar are a different story, in my opinion. However, I do have a unique advantage to most of my real estate agent brethern, I am a CPA and a former Loss Mitigation Negotiator (nka M&T Bank). Most listing agents were not prepared for this market. To make matters worse, only two methods of short sales are being taught by the local boards and/or brokerage firms: traditional (listing agent) or HAFA. I negotiate as a BUYERS agent, not listing agent, a method approved by the Florida Association of Realtors. My success rate is in the low 90% range, far better than the national average of 23 to 25% (per USA Today). I do not do HAFA. The fact that only 661 shorts closed through HAFA in 2010 through the whole US of A should tell you why. HAFA is a mess. If any agent or seller wants me to negotiate their file, please contact me to discuss. I can provide proof of a recent closed transcation (BOA approval letter, signed HUD and borrower's final mortgage billing) where the borrower received full deficiency waiver. He has great credit, never missed a payment before approval and has a good job as a CFO. Thanks. Mike Stott www.BanksAcceptLess.com P.S. I can negotiate all 50 states.
I'm a realtor and i'm having same problems. I think this "Negotiators" don't really care about the prosses and i'm sure that the investor that is behind all this files doesn't really know about the bad service from this people. Meanwhile the sellers that are trying to solve their nighmare are suffering due to all this lack of... I'm so upset with that bank of america.
This is directed at homeowners who own a home worth more 100k and who are whining about BOA when they haven't made a payment in over two to three years. You should be grateful that there is a way you can get out of having to pay the money back. I am sure if someone borrowed money off of you, you would want every dime of it back, but get upset when the bank is trying to cut their loss as much as possible.
To any homeowner trying to do a short sale. Be careful about the real estate agent you select. Most sales fall to the wayside because of incompetent REAs. I cannot tell you of the times I have had to sit and walk some idiot that is supposed to be an REA through the ss process. Then when you see how much they are getting in commission for the sale, it is enough to make your blood boil. Oh and make sure your REA knows how to spell and write.
Another thing to be on the lookout for in a REA is attitude. Some REAs call with an attitude that will get them nowhere with CSRs. Sometimes there are things we can do to move a file faster, but is not a requirement. I had an agent call me one time and spoke to me really bad. Little did he know I was laughing at him for being a [censor]ic piece of dung, and I did nothing for his file even though I could have.
Then you have the agents who are so nice they make you want to help in any way possible. Those are the files that get closed. The files that get closed are handled by REAs who have taken the time to educate themselves on the way BOA handles ss. They sign up for the newsletters and websites and attend the webinars.
I agree with what everyone has said. I just went through the same thing. Had a contract in early April. My buyers just walked because of B of A. B of A knew that the borrowers were going to walk if they didn't close the short sale by the time the tax credit ran out and they didn't care!
The same here. We have been trying to buy a short sale through BoA for more than 5 months (almost 6) and this has been the most frustrating experience I have ever had. It seems they don't WANT to sell the property yet it's listed on the market. Endless delays and frustrations. Of course, if BANK OF AMERICA wanted some paperwork, well you just better hop to it or they will kick the deal to the curb. Of course, they don't mind a bit never responding to any emails or calls. I have had it with BoA. Personally, we are moving onto other homes and if I find BoA holds the note I will be walking. Can't believe this crap is legal. If the laws protect these pirates, the only recourse we have is a total boycott of Bank of America and any of their interests.
incredibly bad service
Been with BofA for 11 years. At the time of this complaint I have decent credit, a BofA Platinum card, and the means to cancel them immediately. I told them of a scam I had been involved in and they demanded payment for the scam without researching anything. After telling them it would be returned on my card shortly, they still demanded payment, but the worst part is, the payment was only $15.
I demanded to speak to a supervisor and she was equally as unpleasant. Her management skills were to make the customer feel defensive. She attacked me for not paying a bill I did not know I had (luckily I logged in to find out I was scammed). She lambasted me for being, get this, 3 days late. I, in turn, told her she just lost another Platinum card customer. I'd rather put my money in a pillow case.
The complaint has been investigated and resolved to the customer’s satisfaction.
After a number of extra payments were incorrectly posted as scheduled payments, I was advised by the bank to send payments to specifically a payment processing center, which I did. Payments were still often posted incorrectly even in spite of printing and yellow-highlighting "Principal Only" in three different places on the checks. The latest payment was returned by USPS because "forward time expired." Since forwarding time typically expires after one year, it's difficult to understand why Bank of America didn't find the time and a bit of courtesy to send a change of address notice.
The problem is most likely caused by machine handling of mailed payments. But it would be so easy for any bank to specify a different PO box for extra or additional payments to separate them from regular payments that blaming machines is simply an excuse for poor service.
I've suggested selling the mortgage to a competent lender, but of course that's not one of the bank's form responses.
Bank of America, worst bank ever. My landlord gave me his checking account number, so I could make a deposit in his account. The bank teller requested my I.D. before she allowed me to make the deposit. I ask, why do I need to show my I.D., to make a deposit? Teller replied, to protect the customer. I ask, how is showing I.D. before depositing cash in your customer account, protecting him? She replied again, to protect the customer. I guess common sense is not common at Bank of America.
credit card cancellations
After receiving $43 Billion of "We the Peoples Money" Bank of America cancelled all of my charge cards.
I had been a customer for 18 years with FICA score of 793.
I had 9 cards with BOA, they kept raising limits - without any intervention on my part.
All my cards had credit balances and I never used them much.
Here is my story:
History:
Monday - receive in mail balance transfer checks.
Tuesday - receive change in card holder agreement.
Thursday left for work 370 miles from home with a $139.00 credit on my BOA - Alaska Sky Miles card at 9.9% $21, 000.00 limit.
Friday - Attempt to buy Americano at Starbucks. "Card declined"
Called BOA - 3 hours later informed all accounts had been cancelled and I had been notified.
BOA mailed notification on Thursday - this was Friday morning.
I was stranded in Spokane with no ability to purchase diesel, food, or even check out of the hotel.
The hotel had pre-approval from Thursday evening from BOA when I checked in.
BOA Representative - stated
"Sorry - you have been a great loyal customer" - "But, we no longer value your business".
When I ask how could they do this, and how was I supposed to get home.
She suggested I call work or family members and ask them to wire money to me.
And that is what ya do with $43 billion of our money,
18 years of credit association - three houses, 5 cars, 2 boats, etc later.
I have since received the $489.00 credit balance refund via check.
I will never bank with them again - and I suggest everyone in the USA - do so as well.
Bank of Ameria is not an American company for Americans any longer.
They cancelled $78, 000.00 of my well earned credit.
The highest interest rate I had on any of the cards was 9.9% (obviously bad).
Newest BOA (Boa Constrictor) hater !
I have reported them to the BBB and I have written my congressman and the White House about this.
Everyone should do the same.
The complaint has been investigated and resolved to the customer’s satisfaction.
I have had several Bank of America Credit Cards for years and have never been late on a payment. Two of the cards were at a $0 balance, and Bank of America cancelled them. When I contacted them, the young man was beyond rude. He kept telling me that I owed too much money, and they were only keeping me from getting further in debt. This company knows absolutely nothing about my assets, yet they are "helping" me by cancelling my cards. This move will probably hurt my credit score, because your score is based on debt vs available credit.
I totally agree that B of A is the absolute worst bank I have done business with. I had a $45 million company and as a private consumer that don't give a crap about you. Please everyone, write your congressmen, senators and the president. I would love to bring Bank of America down and get back my money that helped to bail them out!
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I know my response to you now might be irrelevant at this time, but my feelings are to not let this company/corp and any of their employees be able to get away with that kind of treatment to their customers, whom if they forgot are the ones providing some of their employment and paycheck! I have also experienced rude, and curt service representatives (if you could call them that)! Seems anyone I've dealt with had that same arrogant attitude. I m not sure if they are all just miserable and discontent with their jobs or perhaps they have all been trained to perform in this manner. Unfortunately, this company is huge and untouchable and our menial complaints will never be a concern to them. Us credit card customers don't even compare to their other money making profit providers. Unfortunately, a lot of us didn't choose them as our credit card company and have been forced to accept their terms and deal with their disrespectful service/rep agents. I would really like to pursue registering a complaint to someone in that company who might give a SH T! I know I absolutely can't contact the "Customer Satisfaction Department", nor via any of the contact phone #s given. Does anyone have numbers to some upper management? I know writing a letter will only find its way in the Trash File.
If I were in your position, I would go to your local Region's Bank and talk with a bank manager there in order to let them know what happened when you called FIA Card Services. I THINK that FIA is a company that was outsourced by Region's bank to handle all the credit cards that their customers have. FIA represents your bank. IF there is nothing they can do about your closed credit card account or regarding your overdraft protection that was canceled, I would go to another bank and apply for a checking account with overdraft protection, as well as a new credit card. If you get all that you need at the new bank or credit union, I would close the account at Region's Bank.
Story was way too long to read.