Menu
Register
Write a review File a complaint
Bank of America Customer Service Phone, Email, Contacts

Bank of America
reviews and complaints

Bank of America's customer service contact info has been verified by the ComplaintsBoard team. We made sure it's all legit and accurate, so you can trust it! 👌
www.bankofamerica.com
www.bankofamerica.com

Learn how the rating is calculated

4.0 20 Reviews 1565 Complaints
Claim Your Business
Take control of your profile: address complaints and engage with reviews
Write a review File a complaint

Bank of America complaints 1565

ComplaintsBoard
S
6:37 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America 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.

Read full review of Bank of America and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
V
V
vanessa vega
, US
Jul 08, 2010 6:48 pm EDT

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...

H
H
ha.miller00
Columbia, US
Sep 04, 2009 9:33 pm EDT

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.

T
T
truelife
El Dorado Hills, US
Aug 21, 2009 4:45 pm EDT

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

ComplaintsBoard
C
5:04 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America 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.

Read full review of Bank of America
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
D
4:15 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America 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

Read full review of Bank of America
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
R
11:19 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America 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.

Read full review of Bank of America and 109 comments
Update by RAugustine
Aug 18, 2009 2:55 pm EDT

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.

Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
109 comments
Add a comment
P
P
Paul Palmer2
Dixon, US
Oct 03, 2021 1:08 am EDT

yaayayayayyya

P
P
Paul Palmer2
Dixon, US
Oct 03, 2021 1:07 am EDT

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.

R
R
reply1987
, US
Aug 18, 2011 3:41 am EDT
Verified customer This comment was posted by a verified customer. Learn more

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.

G
G
gracimar
Allentown, US
Apr 04, 2011 11:11 pm EDT

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.

R
R
Robyn Squrie
Chicago, US
Mar 29, 2011 10:26 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

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

M
M
Mike Stott
St. Petersburg, US
Feb 24, 2011 10:07 pm EST

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.

C
C
cucucu
Naples, US
Dec 07, 2010 7:56 pm EST

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.

B
B
boa rep
Bluff City, US
Nov 26, 2010 12:45 pm EST

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.

L
L
lightwaight
Marietta, US
Sep 28, 2010 2:23 pm EDT

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!

B
B
BoA needs to fail
, US
Aug 31, 2010 2:05 am EDT
Verified customer This comment was posted by a verified customer. Learn more

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.

ComplaintsBoard
Z
11:58 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America 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.

Read full review of Bank of America and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
D
D
Douglas Madden
Honolulu, US
Jun 03, 2016 8:23 am EDT
Verified customer This comment was posted by a verified customer. Learn more

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.

J
J
j.e.jones
San Bernardino, US
Dec 28, 2009 8:38 pm EST

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.

ComplaintsBoard
B
8:08 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

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.

Read full review of Bank of America and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
C
C
calcasieu
Leesville, US
Oct 27, 2009 4:56 pm EDT

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.

B
B
Bring down B of A
, US
Dec 20, 2009 4:22 pm EST

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!

ComplaintsBoard
G
1:12 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America service fees?

This bank is really going down hill. The past year after starting my account with this bank they seem to be charging service fees. Just four months ago they took out 25 dollars for my Campus Student Checking Account? I asked the representative what the charge was for and she said it was a fee to keep the account open? On their Brochure it says free checking/savings no charges. I told the representative named Sarah about the Brochure saying "Free and No Charges" and she said Oooh, she looked blank at first than she said she would see about getting it back on the account. That is a lie, three weeks after that the fee was never returned! Anyways just one week ago they charged me 28.00 service fee. I was like WTF. My other bank I had banked with for four years never charged service fee, only they charged me when I took money out of the ATM. I finally had enough of BofA and closed my savings and checking account with this bank. I took my $2, 340 out and put it back in my other bank which is CCCU which is a way better than Bank of America. Sorry Bank of America but something definately is wrong with either your system your running or your lying to your customers in order to sign them up. If you like being charged fees to have money in your account go with Bank of America, if you don't like seeing fees on your banking statement go to a bank where they really offer "FREE CHECKING & SAVINGS."

Read full review of Bank of America and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
A
A
ArcaneWing
Burke, US
Mar 28, 2011 8:12 am EDT

Sorry to hear that.

I've had a CampusEdge account with BOA for two years now. (Guess that one is different from yours) and I have never been charged a service fee.

I know they charge a fee for savings accounts unless you keep like $300 or so in it.

I am not a BOA employee, I am a sophomore at Radford University studying Computer Science and Networking.

ComplaintsBoard
B
3:47 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America frooze my account

B of A froze my only bank account after somebody complained that I fraudulently transferred money from their account it took me 2 days before I could unfreeze it with the help of Los angel’s DA's office after they gave her the run around. Apparently this individual had made a similar accusation in may and they had frozen my account which I was not ware of until now and investigated it and saw nothing wrong on my part, they never had the courtesy to notify me about this false accusation and the same individual made the same accusation again and they froze my accent again this time was in need of money from my bank and found out about it immediately the bank would not tell me why or the reason for 2 days until the day got involved.. They put me through hell for 2 days and my branch manager who threw me out...not able to help a loyal customer for 18 years.
No body apologized to me until I called them demanding an apology

Read full review of Bank of America and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
J
J
Joseph M Friedlander
Hamilton, US
Apr 11, 2010 1:15 pm EDT

I need to hear from you now.

J
J
Joseph M Friedlander
Hamilton, US
Apr 11, 2010 1:12 pm EDT

Please correct it.

J
J
Joseph M Friedlander
Hamilton, US
Apr 11, 2010 1:10 pm EDT

you E-mailed me on 4/8/2010 informing me that due to the number of incorrect login attempts my account has been locked for security. Please reply and correct.

ComplaintsBoard
B
12:33 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America unauthorized transaction keep showing up

After four months and countless phone calls and emails to cancel an unauthorized charge; Bank of America still keeps mistakenly drafting $15 dollars from my business account!

It started out of the blue in April I notice a strange charge on my account for “Online Business Suite Account Management Services”, a charge I did not authorize. I spent 45 minutes on the phone with BOA and finally got a representative to remove the charge and then they had the gall to try and sell me more services I didn’t want. They said the will remove the unauthorized subscription to the “Online Business Suite Account Management Services” and credit my account for the $15. They said I will not be charged for it in the future. The next month (May) rolled around and it happened again! Same thing, spent an hour plus sending emails and calling just to get them to remove this charge and service from my account. June came, same thing again, this time I demanded through emails that they get this problem in front of a manager, because I didn’t want to have this happen every month. I sent about 8 emails total, each time they sent a form letter back and each time I asked if they even read the emails. Every reply keep saying they credited me for the $15 charge and that we were removed from that service. Each time I said this keeps happening and I don’t want to keep going through this, that this was the 3rd month in a row and it keeps happening and to please explain how they will make sure this does not happen again and to get this email to a manager. It was to deaf ears! It happened again this month of July!

I’m so feed up with this and Bank of America could care less! It seems like a scam! Automatically enrolling someone over and over again as if they hope unaware victims will let it slide so Bank of America can make some extra money! I know first hand and my friends do to, how Bank of America is so greedy. BOA orders the largest to the smallest charges on an account when an overdraft happens with in the same day so BOA unfairly makes a lot more money on fees. My friend was only around $10 short one day, but since BOA unfairly stacks the cards against their customers he was charged $175 for 5 overdrafts! If they ordered it from the smallest charge to the largest only the largest charge would have been over-drafted and he would only have had one single $35 fee! I won’t even get started to BOA’s “keep the change” scam like program. It’s the greed of large financial corporations that has gotten this world into this huge financial crisis. When are they going to learn that it’s unhealthy to treat their customers the way they do? Only when large corporations don’t have the power of a monopoly and we have more choices! The customers and citizens loose while the CEOs win! Too big to fail? NO, too big fails!

Read full review of Bank of America and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
D
D
DSalsbury
, US
Apr 12, 2011 5:05 am EDT
Verified customer This comment was posted by a verified customer. Learn more

They scammed us too, in spite of their online form where we cancelled the service that we never signed up for. We also called the number they gave and left a message to cancel.

M
M
Marie Marie 12345
Clearwater, US
Nov 21, 2009 7:45 am EST

BOA is scamming me to right now! I had a miscellaneous withdrawal from an ATM card in a different county. I deposited money an hour after the withdrawal took place. I was at home with my bank card when the transaction took place. It took place 45 minutes from where I lived. The investigator decided that the card pattern did not show any signs of an error because I made a deposit with the same card. I am still fighting with BOA about this. I have never used my card out of the county I live in and that is a fact. They are putting another investigator on the case. It sounds to me like I will lose this money. Did this happen to anyone else?

ComplaintsBoard
K
11:52 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America have not refunded my funds for services not rendered

Bank of America took over Countrywide Home Loan Services Division and there has been nothing but Chaos! Bank of America cashed a check for appraisal service, the only problem, Bank of America has never completed an appraisal or even ordered an appraisal. I have been informed by the people who would speak to me that the $425.00 will be returned in about two weeks, its been almost 2 1/2 months now and I'm still receiving the run-a-round.

I did not know that a large company like Bank of America could steal your money, talk to you crazy, respond with bad English and block your calls when you call. Based on this bad treatment, I will never use Bank of America services, affiliate services or partner services.

I knew I should have continued all my banking services with Guaranty Bank! Someone, please help! Bank of America is worst than "Girls Gone Wild", its "Bank Gone Wild" in High Def.

Read full review of Bank of America and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
M
M
MarianL
Reno, US
Sep 23, 2010 4:59 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Bank of America and its President, Brian T. Moynihan, and one Robert Flores who says he's "from the Office of the President, Bank of America" are arrogant [censor]s totally out of touch with the rest of us Americans. Case in latest point is that I go to my local Senator's office for help under this HAMP, BUT the arroganr [censor]s, Brian T. Moynihan, and Robert Flores, leave me a telephone number I have to pay to call them at. [protected]. Zero customer service. Zero brains from Bank of America's Brian T. Moynihan, and Robert Flores. Bank of America takes billions of dollars from each and every one of us taxpayers but won't have an 800 number in Bank of America's President's Office to handle these loan mods coming in from the Congressional offices or even their customers. If I could afford long distance, you arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores, I wouldn't be trying to get this legally required loan modification from Bank of America now would I?!? No wonder we tax payers had to bail Bank of America out!

What arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores Need Is Customer Service. Businesses must promise long and deliver short to their customers. They must keep all commitments made to the customer. Never lie to the customer. Never give conflicting stories to the customer. Never give a customer the run-around. Always remember that the customer is always right. Put a mirror in front of you if you answer the phones. Put a smile on your face when answering the phones. HAVE and GIVE to your customers an 800 number you arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores.

Arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores, apologize for having a customer wait. Remember that escalatory language always breeds more escalatory language. Arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores, without the customer, there is no business. Without a business, there is no job for an employee. Not the most difficult sell for most people. No wonder we taxpayers had to bail Bank of America out!

View 0 more photos
ComplaintsBoard
W
12:08 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America card blocking

My family and I went to destin florida for 4th of july weekend when arriving there I called bank of america to let them know that I would be using the debit card, they ask me for my fin, I had not memorise the number, I was informed based on that my account could not be accessed, this was the first time during a travel I was ever ask that question. I pleaded with customer service that my call was to inform them that my card was not stolen and please do not put a block on my card, ask me a question a person on the road can give answers too. My card was blocked emediatey. The next day 4th july I talked to customer service for cards stolen the only people working, that my card was a business card and they were closed. My family and I sleep in my car fri, sat. Night, not having funds to pay for a place to stay, my daughter an I have suffered sever sunburn because of this, my hope is that skin cancer does not result from this event.

Read full review of Bank of America and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
V
V
VegasDealer
Las Vegas, US
Jul 06, 2009 9:29 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Why did you need to call your bank and let them know you were going to use your Debit Card? If this was a "Business" account why didn't you use your personal debit card, or better yet why are you using a "Business" Account for personal expenses?

So anyways you call up and since you couldn't prove who you were they blocked the card. I bet you would be singing another tune if your card was stolen and a thief did the exact same thing and they didn't block your card.

As suggested above since you drove there, why did you not just go home instead of sleeping in your car for 2 nights. But even with that you obviously had enough money to pay for food and gas, but not enough to buy sun-screen(or why didn't you pack it)? Sorry something about this whole story just does not jive.

ComplaintsBoard
N
12:40 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America preditory loan

we have a 30 yr fixed loan at 9.4% at $1505 per month, our income has dropped a lot due to work, we have tryed to work since oct 08 with country wide but they just say to put the mortgage at the top of our budget, juggle the utilities, and let everything else fall.we were on a 3 way call with HOPE & country wide, country wide said they would not help 'cause we were not behind. i don't know how much longer we can hold out without lower interest & payments. we paid 35k in 2 yrs in interest & 2k in princible.i have talked to BANK OF AMERICA but they said it is a COUNTRY WIDE loan so they can't help.i've talked to HOPE, HUD, LAWERS, THE WHITE HOUSE, DEPT OF CORPORATIONS, ATTORNEY GENERAL, TRADE COMMISION, HOUSING COUNSLER, VA, FHA.I just got a letter from BANK OF AMERICA so we will see if they will do anything, this is a response to my DEPT. OF CORP. letter.our loan is $158, 000 at 9.4% at $1505, we are approx $60, 000 upside down, the loan is now near 60% of our gross income and my work has cut us from full time to part time so a large piece of our income is gone. the attorneys we have talked to all say we are in a very preditory loan but they want between $1500 to $3500 to help us.HOPE has tryed to help but no luck at all. we are trying our best but keep hitting a road block.

Read full review of Bank of America and 4 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
4 comments
Add a comment
A
A
Angie
Barnhart, US
Feb 18, 2009 10:49 am EST

I currently have a 30 yr. fixed loan with Countrywide. We purchased our home 1.5 years ago at 6.8% interest fixed FHA loan. Starting about 4 months ago we started receiving calls from their retention and collections dept wanting our monthy payment, mind you, we have never made a late payment with them nor do I ever intend to. They we would hassle me every month for my payment even though it was not late, which made us decide to do a streamline refinance with another company. During the process of the refinance, we found out that our FHA loan we thought we had does not exist. All of our paper work states that we applied for an FHA loan, we have an FHA case number on our closing paper work but in the end the FHA was never finalized with countrywide. We found out our paper work was not filed correctly with FHA and when the error was made known to Countrywide they never corrected it. We have been paying a monthy FHA insurance fee to countrywide even though we are not insured by FHA. On top of that, countrywide has sent me to every possible department and country to speak with representatives (who don't even speak english mind you) who can basically do nothing for me. I have spent several weeks trying to work this out and have gotten nowhere. What is most frustrating about the situation is that we are being denied the ability to take advantage of a lower interest rate and are forced to keep our loan with Countrywide because a clerical error by a company who just doesn't give a crap about its clients.

Also, countrywide has taken it upon itself to make deals with people who have taken out loans they cannot afford and rewarding them incredible interest rates, while people who are doing the right things, responsible for their investments and making their payments are paying for it. I think it is bad business not to mention terrible ethics.

What is there left for me to do ...Maybe we should all just stop making out mortage payments so we get treated with as much respect as the low lifes who don't take responsibility for their own actions.

J
J
JessicaW
Lakeland, US
Aug 30, 2009 6:54 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I was shocked when I saw some had the same problem as I have with the workout dept. I tried to get anyone to help me, when I called FHA/HUD I was dumbfounded to find out my FHA paperwork that can only be filed by the lender had not been done after a year of telling them they had to fix my loan, I was not paying a dime until then. As you may have guessed Countrywide has filed the documents to foreclose on my home. When we responded we gave a brief on what had happened and that we were fighting this. We went to court, Countrywide on THE phone and I in court. As you know the plaintiff goes first. As countrywide gave the oh the home owner has not paid in 9 months. I showed the Judge my loan modification papers, the fact they were charging me P.M.I. The fact they after 16 months of knowing STILL had not filed my FHA paperwork with HUD. So I could not even get HUD help until they got the papers. The Judge was told I didn't want to loose my home, but the lender was IN VIOLATION OF HUD as well as Federal Regulations. He told the lender you have 2 weeks to call the home owner make arrangements and SUMMIT the papers. Well after 7 more months Countrywide made no effort to contact me. I informed the Judges Clerk once a month so they could document. The second time we were in court the judge who gave them a order, was not in. But he informed the Judge filling in HE wanted NOTHING done to this file. Tell Countrywide to Re-file. Well its the end of August 2017, I have court again in 3 weeks. I bought my home in Sept 2017. I stopped making my payments April 2017. While all this has destroyed my credit, stressed my household out. I know when a Judge and the bail-off remember my case after 7 months. To know Countrywide is in contempt already from the first hearing. I am pretty calm about my case. It has been hell, I have looked up books to see about infilled FHA paperwork, called everyone you have and I GOT NOTHING as well. I had to put my LOAN in order of proof of PMI, My court docs and loan docs showing I have a FHA account number, but I was smart I got the bank to admit before anything I was IN THE workout dept 30 days after we moved in our home. Trying to get the FHA resolved and lower our monthly payment. Then as they complained on the phone. I was sliding proof to the Judge proofing they were lieing.How can Countrywide NOT file my FHA paperwork STILL TO this day. The end of August 2017. I mean this is unreal. We live in a house, to afraid to make it our home because of what has happened. If anyone has any ideas or can help me Please let me know.

G
G
GeorgeW6
, US
Jul 07, 2009 1:52 am EDT

All these complaints about mortgages are sad. I feel that many people who fell for these predatory lenders' offers, won't be able to do much bow, if they are still in the home. If you are in that situation, ask how to get help with the mortgage. There are programs for thos behind in payments or headed that way. As everyone, including your Congressman for HELP before losing your home. Do it NOW! Fight for your life!

M
M
Msjif
Olympia , US
Jul 06, 2009 5:31 pm EDT

Country Wide now belongs to Bank of America so you may be dealing with them and they have no authority to deal with you.
You might want to check into this so you can find the right person to work with you on this.

ComplaintsBoard
D
4:55 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America new scam

Bank of America is basically keeping two books. The activity sheet that shows your "available balance" isn't accurate. You have to go to the balance history sheet to see "all charges". They keep a second column on this sheet that shows your balance including holds and authorizations which is a completely different amount than what you’re told your available balance is. Holds & authorizations should show up on your activity page as pending charges. They are basically hiding charges on your account to trick you into over-drafting. They just took me for $140 on this scam alone. I am changing banks today. I've never heard of this practice before. I thought only the mob kept two books.

Read full review of Bank of America and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
A
A
amftgb
Phoenix, US
Jul 10, 2009 9:26 pm EDT

Exactly. Why aren't you being responsible with your finances? It is ultimately your responsibility to balance your checkbook.

V
V
VegasDealer
Las Vegas, US
Jul 03, 2009 3:33 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Ask yourself this question.
How did the authorizations and holds get there?

The answer is because you made a purchase. Once you made the purchase you wrote it down in your Register so you know what your balance is right? Oh you didn't...whoops there is your mistake.

If you don't start keeping a register when can we expect your complaint from your next bank.

L
L
linda13
Holiday, US
Jul 02, 2009 5:19 pm EDT

I learned in High School how to balance a checkbook. Don't go slaming the bank because you are NOT SO SMART!

ComplaintsBoard
L
9:26 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America cancellation without provication

I had two credit cards with Bank of America and over time, they increased my credit line, without prompting from me. Obviously, they thought I was a good "risk".
Although I have never been late or gone over my limit, an attempt to use one of the cards recently resulted in a denial. Upon inspection of the account online, I discovered that my credit limit, which was $10, 000 was now reduced to $3, 000 (with no notification to me). About 5 days later, I received a letter stating that my credit limit had been reduced to $3, 000 "based on a review of your account as well as information provided by the consumer report agency named below" (TransUnion).

The same day, I received notification that my other card with B of A, with a credit limit of $29, 000 (recently raised) was now CANCELLED! We were not late on payments and had no balance, but used the card frequently and paid off the balance monthly.

How is this fair? Will this affect our credit rating? We are incensed because there is absolutely no reason for this action!

Read full review of Bank of America and 7 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
7 comments
Add a comment
J
J
jack
,
Aug 23, 2008 10:26 am EDT

After 4 or more years with Bank of America, I was never late, never missed a payment but suddenly get a letter raising my interest rate to 30%. Once I realized this I called them to see if it was a mistake, but it turned out a mistake to call them, they closed my account and forced me into a repayment program, which was a lower rate but also damaged my otherwise great credit standing by closing the account. I was told if I did not close the account they would anyway and then charge me high interest!.
They have caused my points on my credit profile to drop for no reason other than they were angry because I complained about the 30% interest.

B
B
Bill Copland
Healy, US
Feb 21, 2009 7:08 pm EST

Bank of America works hand in hand with a large online and phone scam company which uses grant info and fact finding sites to bill everyone's credit card without approval. One of many names this online credit card scammer uses is Grantresearchguide.com, grantfundnow, grantfunding etc..etc. Also they use "fraud protection" and "identity security" as names to illegally bill you with the blessings of Bank of America. When one tries to get BOA to shut them down after many complaints they hang up on you. BOA is well aware of who these credit card account thieves are and refuse to put them on the list to not do business with. I have seen dozens of other victims of these numerous frauds on "ripoff.com" and other related sites. Contactin BOA does nothing, they will tell you it's your own fault. I suggest contacting:BBB, the SEC, your congressman and your state's AG. The more complaints the better, and then a class action lawsuit can get started.

B
B
Big Al2
Torrance, US
Aug 23, 2009 8:09 pm EDT

Ya! me too.
Was with them eight years, never a late with them, though I has a 30 day, late on an unrelated card 6 yrs. prior.
Any way, I applied for a pre approved business card (on their invitation) This was Four months ago, Got the call that they were lowering my credit from 20, 00 to 10, 000. due to a high credit to debit. 50% After that there was a cascade where all my other credit cards did the same for the same reason poor credit to debt ration. My credit went from 720 to 650. I wish I never applied for the additional credit.
Thanks for listening
al

B
B
Bezo
Savannah, US
Aug 03, 2009 7:34 pm EDT

Boycott Bank of America! The only way to hurt is to hit them in the pockets!

B
B
Boycott BOA
Tacoma, US
Jul 15, 2009 7:57 pm EDT

Yes, after receiving $43 Billion of "We the Peoples Money" Bank of America did the same to me.
I had been a customer for 18 years with FICA score of 793.
I had 9 cards with BOA, same thing they kept raising limits.
All my cards had credit balances and I never used them much.
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.
Representative - stated "Sorry - you have been a great loyal customer" - "But, we no longer value your business".
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 in credit I had on all the accounts 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.
BOA was writing $500, 000+ home mortgages in the southern Calilfornia region without proof of cictzenship or the ability to pay the money back.
Then we the paying customers get the shaft.
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.

Jayson

B
B
Bezo
Savannah, US
Jul 02, 2009 4:06 pm EDT

Bank of America did the same thing to me and all I did was call to to inquire about one of my cards that I never use. "Upon further review Sir we have decided to close your account since you have a zero balance." I asked her if she thought that was fair and she informed that "Sir we have the right to close accounts anytime we want to"

A
A
Aleksandra
Iselin, US
May 03, 2009 11:02 pm EDT

Dont just complain to BOA, but just make them block that credit card number so that the fraud company will not charge u again. BOA WILL do that for you because it's their job to work i with ur account and help u change card numbers etc. Complaining might not work, true, but there are other ways that ur bank must help u. And it is ur fault when u give out information to a comapany u dont know or trust fully, but it does sound like BOA is being an ### for possibly cooperating...

ComplaintsBoard
E
7:40 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America they will eat you alive

Why you should NOT have an account at Bank of America:

Since the beginning of June 2009 or maybe even earlier, Bank of America has started charging customers phenomenal fees like monthly maintenance fees for
each account. While these fees may have existed before, we heard that on regular checking account and regular savings accounts these charges were unheard of. Monthly maintenance fees of $12 / month are charged on regular checking accounts.
According to the bank's website:

https://www1.bankofamerica.com/efulfillment/documents/09-11-3000ED.20090605.htm

So if your bank balance if low, we suggest you close your regular savings accounts as it will be eaten up by these monthly charges and you will earn derisory amounts in interest.

Perhaps what is striking is the overdraft charges that the bank has. If you use your card and go overdrawn, the bank at its own discretion, can either honor the purchase or deny it. In both case, you will be charged a whopping $35 per transaction.
so if you do 9 transactions that day you will be charged 9 * $35 . A huge rip-off. No bank in the world has yet managed to pull this off except Bank of America.

It is not difficlt to see why:

-This bank has in effect gone bankrupt were it not for President Obama's administration giving them bailout money and making them a national bank in all but name. They are now in a position where they know they cannot fail and therefore they will go out there and do everything they can and everything customers think they cannot in order to balance their books.
They will start with fleecing their customers at any occasion.

Here's what the bank says on it own website:

-----
Overdraft Items (an overdraft item)

NSF: Returned Items (a returned item) Overdraft Item Fee $35.00 each item Reduced Overdraft Item Fee: When we determine that your account is overdrawn by a total amount less than $5.00 after we finish processing for that day, we reduce the Overdraft Item Fee on your account and charge only $10.00 for each overdraft item that day. Please note that the $35.00 NSF: Returned Item Fee applies to each item we decline or return unpaid.
When you do not have enough available funds in your account to cover an item, we may either pay the item and overdraw your account (an overdraft item) or we may decline or return the item unpaid (a returned item). In either case we may charge you a fee. An “item” includes each order or instruction for the payment, withdrawal or transfer of funds from your account. Examples of items are a check, an in-person withdrawal slip, an ATM withdrawal, or another electronic instruction (such as a debit card purchase or Online bill payment instruction). Please see the Deposit Agreement and Disclosures for more information about insufficient funds, overdrafts, returned items and how we process and post items.
Fee applies to each overdraft item and each returned item with no more than 10 items charged each day.
To help you manage your account and prevent overdraft fees, we recommend that you use Online Banking, Online Alerts and Overdraft Protection service from your savings or credit card account. As an example, use low balance alerts to get notified when your balance drops below an amount you set. For more information, go to bankofamerica.com/feesandprocesses or see the Helpful Information for Better Banking brochure.

Overdrafts – Extended Overdrawn Balance Extended Overdrawn Balance Charge $35.00 – charged when we determine your account is overdrawn for 5 or more consecutive business days. The Extended Overdrawn Balance Charge applies when we determine that your account has been overdrawn for 5 or more consecutive business days. For each time that your account is overdrawn 5 or more consecutive business days, we charge one Extended Overdrawn Balance Charge.
We charge the Extended Overdrawn Balance Charge after the 5th consecutive business day. The Extended Overdrawn Balance Charge fee is in addition to applicable Overdraft Item Fees and NSF: Returned Item Fees.
You can avoid this fee by depositing enough available funds in your account to cover your overdraft plus any fees we assessed within the first 5 consecutive business days.
-----

Please note that it is not because a transaction will take your account below $0 that the bank will decline the transaction. They may decide to be courteous and honor that transaction and then charge you a fee of $35 or they may decline the transaction and still hit you with a $35 fee.

Bank of America is certainly in our eyes, the worst bank in the world and a disgrace to America, the great country.

Read full review of Bank of America and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
P
P
popper
Chico, US
Aug 06, 2009 5:01 am EDT

"Maggie" is obviously one of the paid shills who works for BofA and other companies to go around posting pro-comments and trying to blame people to make the bank or company look good and the people look bad. (either that, or she really is just stupid) These techniques are very common and used all of the time. You can even find advertisements for the paid positions with job descriptions. And there are now companies who also provide these services to other companies, like B of A. In these people's comments, it is always the fault of the person, and they never make allowances, like "people make mistakes" in their accounts, etc. It's all part of the game "they" play. What a joke. They won't be laughing when the people get Congress to pass some decent laws to protect the people. Although "they" are paying lobbyists and lobbying firms millions of dollars to try to prevent that. They should have just let all of the banks fail.

S
S
Sucker #4000000
Stone Mountain, US
Jul 13, 2009 12:50 pm EDT

Lets be rational here for those of who think Bank of America is justified for such a huge fee. For most people I assume we use the debit card atleast 5 to 6 times a day, especially if you have kids. You have to be super organized to write down and track each transaction and keep an accurate balance. After 3 days, Bank of America will have more than 20 transactions pending. BankofAmerica will process the transactions for largests to smallest. In this way, they can increase the number of times the account will have insufficent funds. I admit its definately your own fault if your account goes in the negitives, but having a debit card makes it so easy to draw your account in the negitives if you already have limited funds in your account. For me, I have 2 different bank accounts. I have one account at Wells Fargo which I use to pay my mortgage and keep a savings. Unfortunately I have the other account at Bank of America which I only use for debit transactions. Its very rare, but once in a while I slip up and over drawn my account by $3 or $4. Recently my account was overdrawn by $2.12. Not only they charged me a $35 overdrawn fee, after the 4th day when the account was left overdrawned they charged me an extended overdrawn fee. LOL, so my $4 purchase at the gas station that overdrawned my account by $2.12 is costly me an additional $70. Well I have 2 options, ### and complain and don't do anything about it or just close my account from this Wicked Bank. I'm choosing option 2, but not sure which bank I will go with now since they are all a little crooked. By far, Bank of America is definately the worse.

R
R
Reef
Greeneville, US
Jul 06, 2009 10:47 pm EDT

Yeah yeah... same story Maggie... "it's your own fault" "you try to spend money you don't have"

We are consumers, not pro bankers, on debit purchase it even "calls" home to the bank to allow/deny the transaction, why don't they give consumers the option to block those transactions when it results in a overdraft ?

The technic is there, the banks choose to not use it, they rather rip them off...

And then charging 35 dollars for a few days loan, very often more then 100% profit for the banks in just a few days, this makes the mob from back in the days look like a bunch of sheeps...

ComplaintsBoard
R
2:56 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America bankofamerica additup cashback fraud

I made multiple purchases from staples from 5/03/09-5/16/09 via going through my Bank of America additup account and by clicking the retailer link on their website. I was 100% sure that I went through the additup site to take advantage of 4% staples cash back they offer. However several weeks after the transactions the cash back did not show up on the additup website. When I called they said all transactions are there and would eventually give me cash back in few days. When I called this week to know the status they said, I won’t be getting cash back as I did not go through their website. This company is doing fraud found a silly reason to deny my cash back. As I mentioned, I am 100% certain that I went through the additup website to make all these transactions. This was confirmed during my first call with customer service person as she said she could see all the transactions. Now they found a simple way to reject my cash back by saying that I did not go through their website while making the purchase. This is not correct, but no way to prove it. There is no way that I missed additup sign up for all my 12 transactions starting from 5/3-5/16. If I miss one or two I would have agreed. I feel I have been cheated by this company as they are purposefully denied me the cash back. The whole reason of using a BOA card and additup was to get the cash back, otherwise I had better options to make this transaction rather than using BOA card. So lesson learned is the whole additup sucks. Don't expect cash back while doing your purchase. If you get it you are lucky. I am just amazed how this company takes away money by saying they give cash back and at the end not honoring that saying nonsense reason to deny it. Buyers beware using BOA services, this company is fraud, and it is just there to loot your money ...Pathetic cheats...

Read full review of Bank of America
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
O
9:48 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America annual fee

I've had a B of A credit card for over a year, never got charged for annual fee. Recently I received a notice in the mail saying there will be a $29 annual fee show up on the Jul statement. If I'm not agree with the change, and cancel the credit card by Jul 1st, I won't be charged. So I just called the customer service to cancel the card. The rep told me the card will be cancelled after I pay that annual fee. So I told him about the notice. He actually asked me to read it to him! And I can't find that notice anymore...forgot where I put it. I can't find that notice in my online banking account neither. Sigh...

Read full review of Bank of America
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
W
12:17 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America bad ethics

For three months we have been working with Bank of America to purchase a short-sale being held by Countrywide now Bank of America. We are the persons who had an offer on the condo unit in Los Angeles area

We made an offer the end of March 2009 on the property.

On April 10, 2009 Our real estate agent received first verbal verification that our offer had been accepted from Bank of America real estate agent Maggie . We were told the written acceptance would soon follow.

April 21, 2009 our agent reported that she had received an e-mail from Maggie stating she hasn't heard yet and has been calling them 2 to 3 times a day. She said the supervisor was on vacation but is back now and we would have the papers in a few days.

April 25th, 2009 our agent reported that Maggie called the supervisor last week (Wednesday) and explained that the negotiator had told her she was faxing the approval and it never came and that the negotiator isn't returning her calls. She spoke with a supervisor who said she would look into the file and talk to the negotiator. Said to expect a return call in about 48 hours - meaning Friday or Monday). Maggie promised me she would call the supervisor again on Monday for an update.

April 28, , 2009 When our written acceptance had not come Maggie reported to our agent that she found out Bank of America has closed the file when she called to change her fax number. Apparently what they did was put on the notes that the buyer had cancelled the offer. (WHICH WE NEVER DID) The supervisor of Bank of America was able to fix the problem so we should be getting all the paper work by Tuesday of next week. Tuesday came and went.

May 13, 2009 Maggie reported to Our Real Estate agent that she has verbal approval from the supervisor but doesn't have it in writing yet. Maggie told Our Real Estate agent she would send our agent Our Real Estate agent a counter offer changing the escrow and title companies to the one that the bank was request. Maggie told Our Real Estate agent escrow is being opened and that we could do the home inspection.

May 21, 2009 Maggie has electricity turned on for inspection.

May 29, 2009 Inspection is back. We are still waiting for paperwork that is still not coming though we have been assured repeatedly it is on its way. Our Real Estate agent has put calls in for Maggie to see if she has talked to the supervisor recently. Maggie had said the supervisor told her she would have the approval out the first of this week.

June 3, 2009 Maggie reports that paperwork is being reviewed and can be expected soon.

June 8th escrow emails Our Real Estate agent that escrow is being opened.

June 9, 2009 Maggie reports the Our Real Estate agent that papers are still not ready and she is to follow up with them on Friday.

One June 15, 2009 We find out that the reason the paperwork is held up is because the lender made a mistake in the spelling of the buyers name.
Maggie writes our agent:

Sent: 6/15/2009 9:44:26 A.M. Pacific Daylight Time
Subj: Re: 11124 Burbank Blvd 104

Our Real Estate agent, the lender still is gone take about 2 weeks before they send the documents, since they had the wrong buyer's name on them they have to changed everything even do it was their mistake their process takes about 3-4 weeks to correct them. Please let me know if your buyer is willing to wait. I know it is very frustrating but there is not much that can be done but wait. Talk to your client and explain the situation and if she is willing to wait then we continue with the file if not

We told our agent that we are ready to purchase the property. We would wait for the corrected paperwork.

June 18, 2009 our paperwork moves from phase 1 to phase 2 negotiator. According to your own personnel, as of June 18, 2009, Bank of America had definitely accepted our offer and it was being finalized.

June 19, 2009 Our RE agent receives an e-mail from who reports that she just had a long e-mail conversation with the supervisor at Bank of America. They reviewed everything and don't find anything missing. According to the supervisor, they should be wrapping this up soon . Enclosed in her email was partial correspondence from Bank of America phase 1 negotiator Christopher Tata, who writes to Maggie:
Don't need anything else. And tell the buyer, to hold her horses, she is getting a property at a good deal, and these short sales take time. If she wanted a "Speedy" transaction, she could have bought new!

Note: Not sure what prompted this remark but it was made.

June 24, 2009 still waiting for the documentation that had been promised repeatedly, it was with complete shock after three months of your commitment that our offer was accepted, this is what we receive by email: In a message dated 6/25/2009 9:16:41 A.M. Pacific Daylight Time, MAGVES writes:

Hello,
the lender has accepted an offer with no loan or appraisal contingency and the buyer to make up the difference if appraisal comes in lower than the sales price. And the offer is not from our office. Thank you for your offer and I will be keeping yours on file.
Warm Regards,
Maggie Escareno

That was it after three months of being told our offer was accepted and paperwork would soon be coming.
If we are going to get out of the mess our country is in, we need to practice good ethics.
We need to believe in our word and the word of others. A short sale is no reason for bad ethics. We need to believe in the ethics of Business again. It was bad ethics that got us into this mess we find ourselves in today. Only good ethics can reverse that.

We expected Bank of America operate ethically and honor the word of their representatives. Were we wrong?

Read full review of Bank of America and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
T
T
tatasworstenemy
Tempe, US
Dec 30, 2009 12:47 am EST

Not only is Christopher a bad representative of the bank but he is also morally bankrupt because he slept with another man's wife when she had a 1 year old at home. He is a complete waste of a human being. He has personally cost the bank thousands of dollars with his misdeeds and I know that first hand. It's too bad you had to come across this creton's path.

A
A
argyleeyes
Sandy, US
Jun 28, 2009 9:08 pm EDT

I have had almost the exact thing happen to me - but we put our offer in on January 2009. It is now June 28. We were told at the end of May that the acceptance letter was ordered May 28. Hah!
My advice; don't get an inspection (like we did) until you have the letter from Bank of America in your hand. They do not keep their word and when they give you a date when something will be done don't believe them or get your hopes up. We have been in this misery for 5 months now!

ComplaintsBoard
J
7:05 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

Bank of America scam

This is the group defrauding people:

Bentley Travel, Five Points Travel, Dreamworks Vacations International, and Dream Vacations International present the travel club service which has been sued by NJ state Attorney General for fraud.

http://www.nj.gov/oag/newsreleases09/pr20090611a.html

Bank of America is the financial partner of this fraud. They allow these companies to open new credit card accounts from their victims and then refuse to refund the money.

Band of America even threatens the victims with the negative credit report, if they decide not to pay the membership fee, which has been proved that is worth nothing.

If you are a victim of this fraud, please do file your complaint against Bank of America with New Jersey Division of Consumer Affairs.

Read full review of Bank of America and 2 comments
Hide full review
2 comments
Add a comment
J
J
Joe from north jersey
Vernon, US
Jun 13, 2011 7:20 pm EDT

Bank of America has NOT been very responsive to complaints about Bentley Travel/Dreamworks Vacation/Daryl T. Turner. The Bank now is saying it is up to Master Card and their ( Master Card ) agreement, even though the NJ Division of Consumer Affairs has a judgment against Bentley Travel/Dreamworks Vacation/Daryl T. Turner.
Bentley Travel also did not have the authorization of open credit cards in the state of NJ thru Bank of America.

L
L
Lana
, US
Jun 29, 2009 4:24 pm EDT

Thank you.

ComplaintsBoard
D
3:54 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Bank of America I did no sing up for this protection service

I open a, account with bank of america and put $20.00 in the account. I sent $15.00 out of my account with my atm card, it is showing that on my account. Then I looked at my account on-line and I had all of these overdraft fee's, for a program the bank said I singed up which I haven't. This protection program I didn't sign up for cost $38.98 which wasn't in my account at the time. The bank charged me for the program and also started charging me overdraft fee's of $35.00 each almost as much as the program, I have 3 overdraft fee's of 35.00 for the same product I didn't order. Then I apply for a payday loan and the bank took the money and payed the overdraft fee's with it, which have my account at 0.00 I need help.

Read full review of Bank of America and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
S
S
selfadvocate
, US
Nov 23, 2009 1:13 pm EST

I got a telemarketer call from Privacy Assist and was told they wanted to send me the information about the credit card protection program. I told them I do not want to buy that service. The telemarketer assured me there would not be any charges unless I sign up by returning the materials. I said OK, send it on.
Two months later there is a surprise 7.99 charge on the VISA statement to privacy assist. I called PA and was told they could only credit one month and that there was a pending charge for the current month. I did call BOA Visa and they will credit me both months. Gee, that took 45 minutes of my life to do. How frustrating. I wish I had a recording of the original call. That was clearly illegal to sign me up for a service I clearly stated that I do not want. Next time, I will stop trying to be polite and just HANG UP.

Bank of America reviews 0

Looks like Bank of America Company has no reviews yet.
Write a review
Subscribe to receive notifications of all new customer feedback

If you represent Bank of America, take charge of your business profile by claiming it and stay informed about any new reviews or complaints submitted.

👉 Claim your business

About Bank of America

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

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

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

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

Overall, Bank of America is a trusted and reliable financial institution that has been serving customers for over a century. With its commitment to innovation, technology, and customer service, the bank is well-positioned to continue to meet the evolving needs of its customers for many years to come.
How to file a complaint about Bank of America?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary information and verifying your email address.

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

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

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

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, statements, or receipts. Be cautious not to include sensitive personal information like your social security number or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, describe what resolution you are seeking from Bank of America, whether it be a refund, apology, or corrective action.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click on the 'Submit' button to officially file your complaint on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Bank of America.

Overview of Bank of America complaint handling

Bank of America reviews first appeared on Complaints Board on Jul 20, 2006. The latest review Claim # 240213543968 was posted on Apr 9, 2024. The latest complaint Edd unemployment stolen funds was resolved on Oct 03, 2023. Bank of America has an average consumer rating of 2 stars from 4573 reviews. Bank of America has resolved 457 complaints.
Ratings on other sites
Trustpilot
Trustpilot
1.3
2043 reviews
Trust badge
Collect Your Trust Badge
Be recognized for outstanding customer service
  1. Bank of America contacts

  2. Bank of America phone numbers
    +1 (800) 432-1000
    +1 (800) 432-1000
    Click up if you have successfully reached Bank of America by calling +1 (800) 432-1000 phone number 6 6 users reported that they have successfully reached Bank of America by calling +1 (800) 432-1000 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 432-1000 phone number 3 3 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 432-1000 phone number
    33%
    Confidence score
    English
    +1 (800) 688-6086
    +1 (800) 688-6086
    Click up if you have successfully reached Bank of America by calling +1 (800) 688-6086 phone number 13 13 users reported that they have successfully reached Bank of America by calling +1 (800) 688-6086 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 688-6086 phone number 1 1 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 688-6086 phone number
    86%
    Confidence score
    Spanish
    +1 (315) 724-4022
    +1 (315) 724-4022
    Click up if you have successfully reached Bank of America by calling +1 (315) 724-4022 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (315) 724-4022 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (315) 724-4022 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (315) 724-4022 phone number
    International
    +1 (757) 677-4701
    +1 (757) 677-4701
    Click up if you have successfully reached Bank of America by calling +1 (757) 677-4701 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (757) 677-4701 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (757) 677-4701 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (757) 677-4701 phone number
    Credit Card Issues
    +1 (800) 214-6084
    +1 (800) 214-6084
    Click up if you have successfully reached Bank of America by calling +1 (800) 214-6084 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (800) 214-6084 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 214-6084 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 214-6084 phone number
    Vice President Bank
    +1 (312) 992-6618
    +1 (312) 992-6618
    Click up if you have successfully reached Bank of America by calling +1 (312) 992-6618 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (312) 992-6618 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (312) 992-6618 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (312) 992-6618 phone number
    More phone numbers
  3. Bank of America emails
  4. Bank of America address
    100 N Tryon St., Charlotte, New York, 28255, United States
  5. Bank of America social media
Bank of America Category
Bank of America is related to the Banks category.

Our Commitment

We stand for unbiased reviews

We make sure all complaints and reviews are from real people sharing genuine experiences.

We help resolving issues

We offer easy tools for businesses and reviewers to solve issues together. Learn how it works.

We advocate freedom of speech

We support and promote the right for reviewers to express their opinions and ideas freely without censorship or restrictions, as long as it's respectful and within our Terms and Conditions, of course ;)

We ensure transparent and fair ratings

Our rating system is open and honest, ensuring unbiased evaluations for all businesses on the platform. Learn more.

We care about your privacy

Personal details of reviewers are strictly confidential and hidden from everyone.

We are easy, free and open to everyone

Our website is designed to be user-friendly, accessible, and absolutely free for everyone to use.