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Bank of America
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Bank of America Complaints 1565

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Bank of America terrible customer service!

I've never missed a payment with Countrywide Home Loan's Inc until November 2007. I am ultimately responsible for this delinquent bill but there are mitigating circumstances that I guess were never considered by Countrywide.

#1. I had completely paid off my Home Equity Loan in the month of May and wasn't concerned at all about never receiving a bill for November because I believed there was actually no bill to receive.

#2. I had switched over to making my payments electronically and never received any reminder that a bill was due and payable. I was completely clueless about being in arrears with this loan and not one person from Countrywide ever explained to me what the problem was.

What really upsets me is that the bill is for $18.00 and I was never given the benefit of the doubt. Instead of being treated like a good customer and given a courtesy call concerning this huge $18.00 bill that would have been rectified by me immediately, I was treated with total disrespect when Countrywide refused to honor a $500.00 check deposited by me into my checking account with Bank of America.

I've never had overdraft protection with my bank because my checkbook is always balanced and I don't overdraft. Thanks Bank of America for treating me like a customer, they dropped all the overdraft charges against me because it isn't hard to see that I am a responsible person and my payment record is proof of this. Countrywide and the employee directly responsible for this misuse of power can kiss my #%* because the actions taken by Countrywide were in no way warranted. Next time have a little tact Countrywide.

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Elizabeth
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Aug 14, 2008 5:38 pm EDT

THEY ARE HORRIBLE...

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Elizabeth
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Aug 14, 2008 5:34 pm EDT

COUNTRYWIDE IS THE WORST...I HAVE BEEN GOING AROUND IN CIRCLES WITH THESE PEOPLE FOR OVER SIX MONTHS TRYING TO WORK OUT SOMETYPE OF RESOLUTION WITH REDUCING MY INTEREST RATE AND HOUSE NOTE...NOTHING...THESE PEOPLE ARE THE WORST...

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Zakia
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Dec 27, 2007 8:55 am EST

Don't deposit at Countrywide banks and financial centers. Learn more about the national mortgage crisis and Countrywide's role in it. Visit www.dontdepositatcountrywide.info

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Bank of America Terrible service!

I find that communication between Countrywide Home Loan Inc. and me the customer is severely lacking. I don't want to distract anybody from the fact that I missed an $18.00 home equity loan payment which is my responsibility whether I receive the bill in the mail or not. What really angers me is Countrywide taking such drastic actions such as refusing to honor checks written on this home equity loan without ever contacting me and pointing out that I was in arrears.

The delinquent payment of $18.00 was for November 2007. I had completely paid off this loan in October 2007 and assumed that there would be no payment necessary for November 2007 this I assumed being the reason I had never received a bill or because I had just signed up for electronic payments and was expecting an email reminder.

Mind you I was completely clueless about a payment being completely missed and for as long as I've been with Countrywide I have never missed a payment. I was making the next months payment for December electronically. There was a $6.00 charge included with my December payment, at first I was confused because I had never seen any mention of fees for electronic bill paying when signing up.

I refused to pay Dec. bill electronically and I wrote Countrywide a nasty email concerning this fee and how they could believe someone would pay this fee in order to pay their bill electronically.

I don't remember the exact response I had received, but I know there was no mention of a payment being missed. Mind you I'm still clueless after a month in arrears. I even call a Customer Support person who tells me the fee is because I'm late on my payment. I looked at past payment dates in my checkbook, I could not see how December 2007 payment could be late.

Even after talking with a customer rep I had no idea the late delinquent payment was for November 2007. So basically Countrywide would much rather screw a customer financially by not honoring three checks written out from one of their home equity lines of credit instead of calling the customer who had never missed or had been late for any payments before and communicated this problem to that person.

Maybe they thought that $18.00 was way out of my payment possibilities. This $18.00 payment has now cost me hundreds of dollars. Thanks Countrywide I'll surely not come to you for my refinance because I want far away from the likes of you.

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Bank of America terrible experience!

I had opened a Bank of America credit card with an APR of 13.99%. In April 2007, the APR had increased to 27.99%. When I called to find out why, they told me that because I had been making minimum payments, the increased my APR. What kind of logic is that?!? By increasing the APR, they are making MORE money off of me and less of my payment is going to the balance. I am trying to get it lowered and so far nothing. However an article written Dec 4, 2007 quotes Bank of America spokeman stating that customers have a right to say no to an increase YET I was given no warning and I certainly didn't give permission.

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Valerie
Valerie
, US
Dec 13, 2007 12:00 am EST

This is more out of general wondering than anything else. My wife and I opened a joint checking account in early November. I have direct deposit, however, at this point in time, she does not. I have been with Bank of America since 2001. In the past year at least, I have been depositing her paychecks via ATM into my personal checking account. As long as I deposited it before the cut off (it was 6 PM, now it is 8 PM), the check was posted/cleared and funds were available at 12:01 AM the next day. However, my wife deposited her paycheck on a Tuesday morning. The date of the check had the date of the deposit on it. She used a deposit slip and went into the branch. The check posted at 12:01 AM Wed. morning, but the funds were not available (actually, 100 bucks were available).

I have been going back and forth on mail w/BoA and they said it says on the receipt that the funds won't be available till 2 days after the deposit was made, and after 5 PM. My wife said that the receipt does state the date, but no time. Is this legal to do with a payroll check? This has never happened before, and I am wondering what people think is the real issue. I can't find anything in the agreement we got as a welcome package that mentions holds. I always thought it depended on the amount (the amount is under 4 figures).

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burglars of america
Morgantown, US
Jul 17, 2009 10:02 pm EDT

Same thing happened to me - someone needs to sue theses greedy ###. I paid my credit card bill on time every time. They raised my rate to 25.99 % and I was not making minimum payments. I called them and they said the same crap about a latter sent out to me . I told them I did not get it so they say we will send you another. So I waited and when the letter arrives I call them and say I want to opt out- Sorry the deadline is past. My bills were about 50.00 dollars a month and I was paying 100 or more now they are 130 or more and I can only afford that. Crooks of the best kind they will take your last dime and watch you starve.

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eddie
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Jul 19, 2008 6:23 am EDT

i had a simple slush fund direct deposit of 200.00 per pay check to cover cell phones, my car insurance, my meals on duty and incidentals. my wife wanted me to remove my money from the credit union where i was paying about 20.00 per month in atm charges and move it to Bank of America to save 20.00 .
WHAT A MISTAKE !
They hold some checks, not others, don't immediately show cashiers checks as cash, have a nightmarish amount of online hoop jumping and have to be closely monitored or they'll bang you with fees.
While the local check holds, you think you have money so you use the debit card that STILL WORKS !
By the time your direct deposit goes in, they have it gobbled up in fines. Meanwhile you know you just put 200.00 in by direct deposit so you buy a few burgers and a few coffees and then you find out that ALL your money got eaten by their fines and you actually owe them more money just to be at a zero balance to close the account. In my 41 years of life, I never had a financial boomslang like i got in less than 1 year with Bank of America. Back to the credit union that honored local checks and if a hold was on a check, the card would stop working when I was out of money.
It was my fault to not check the balance BUT
that is the gimmick. They know that regular working people don't have the surplus of time to always navigate their terrible website so a certain percentage of customers are going to generate revenue through fines.

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Joe Schutt
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Jan 29, 2008 3:19 pm EST

My accounts were with MBNA and I didn't mind that BOA had purchased them because I have all of my accounts with BOA. I like the Web Banking and it is the best in this area. I looked at my statement and saw a 10% increase in my rate. when I called them to get it lowered, second time they did this to me, they said there was a letter sent to me in October 07 stating that there was going to be an increase and that if I didn't want it I had to call them. i feel they are sneaky by putting yet one more piece of paper in my statement. I pay all of my bills on line and transfer my payment from checking to Credit Cards within BOA. They told me there was nothing they could do because I wasn't paying more then the minimum and it wasn't that kind of account. Well, so much for maintaining a banking relationship: 2 personal DDA'a, 2 SAV, 1 business DDA, HELOC and until recently a BOA retirement account. BOA sucks!

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Donna Yenna
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Jan 23, 2008 3:47 pm EST

I have had a lot of trouble with Bank of America in the past. I was charged for some thing I did not receive and they would do nothing to help me, I went to the BBB and filed a complaint and then they said that I never contacted them about this matter, they lie so much it isn't funny. I will never do any bussiness with them again, even if they are the last Bank on Earth

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Scott Kitchen
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Jan 23, 2008 3:11 pm EST

Bank of America/FIA Card Services is doing the exact same thing to me beginning at the end of Feb. 2008. I did recieve a notice letter, on the back of the letter they state that info contained in a credit report recieved from TransUnion was the basis for the increase. So I ordered a report from TransUnion to find out exactly what is the reason for this. According to my local bank which I do all my checking and loanings with says my credit is excellent. I think BOA/FIACS is doing a blanket interest rate increase and are just using any excuse to justify it to raise their profit margins for the next quarterly report. What I wonder if there is anything we can possibly do to stop this under the law, it seems from what I have been reading is national banks are pretty much untouchable. I used to think insurance companies were ###, but now these big national banks have won that title. They are starting to remind me of the old mobster style loan sharks.

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Judy King
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Jan 07, 2008 11:22 pm EST

I had never heard of holding payroll checks for days after depositing them until now. We opened our account with them in October 2007. They never give us credit for the full amount until the check clears. My husband deposited his check on Friday and it is now Tuesday am and none of it has been posted. I'm about sick of BofA. I called them on Monday morning and was told it would be posted Monday evening. So far it is not showing up. I would like to be able to pay my bills but they are causing me to be late paying them.

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12:00 am EST

Bank of America bank of america breaches equity line contract

Fixed Rate Option at Bank of America unulaterally breached
in Home Equity Line, without notice.

The Equity Maximizer loan is a Bank of Am. line of credit with a variable rate which can be converted to fixed rate at any time (supposedly).

That is the marketing. That is the disclosure form explanation. These provisions are in the loan contract.

Exception? Any time your line of credit is in "suspension". Can BOA suspend at any time it wishes? Legally, NO. Does BOA suspend transactions on Equity Line accounts in order to deny the consumer the Fixed Rate Option in order to lock them in on a variable rate + interest only repayment plan - YES. Do consumers have a right to refuse payment? YES. This is a breach of contract by Bank of America. When the Bank breaches the loan contract provision as to fixing the rate,
the consumer is under no further legal obligation to pay interest only variable rate repayment terms sent in their billings. You will need to file a Biling Error Dispute. You will need to file notice of breach of contract to the BOA. And you will probably need to go to court to enforce the contract or BOA or enforce a cancellation of the contract for BOA's breach.

On the other hand, if BOA can refuse the fixed rate option whenever it decides to "suspend" an account, then the consumer does not have the right to Fix the Rate AT ANY TIME as marketed by BOA account reps, misrepresentation, which can lead to the contract being found void under applicable State Law in the jurisdiction in which your home is or loan was taken out.

It appears BOA is acting in an arbitrary manner to refuse to fix the rate on request and billing, collecting never ending high interest only payments from consumers. The motive?
You guessed it. And do not forget the leverage of having your home on the line. If you do not agree with BOA and insist on only paying Fixed Rate or refuse to pay the interest only false billings, they'll send you notice of foreclosure. BOA says: we'll force you to accept our breach of contract and fraud.

Only one problem for BOA. The consumer have some leverage too. It is known as a Class Action Lawsuit, which any ONE (1) consumer may bring on behalf of all others similarly situated. Have you heard of Class Actions, BOA. Ken Lewis,
CEO of BOA, has heard of Class Actions before.

A punitive damages claim may also be a problem for the giant bank. When a company does something like this knowingly
or without regard to the consequences, a punitive damage claim may be assessed against BOA by 12 angry jurors - all consumers in one sense or another.

Others interested in a Class Action against Bank of America
for refusing to Fix the Rate on request resutling in overcharges, false charges, or foreclosure threats or acts,
post to this site.

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Mpsinc3
Sorrento, US
Sep 05, 2014 12:53 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

I am still having this problem with Beat off A . I wanted to fix my rate years ago and was refused. The loan was not even in suspension nor was I late on any payments. I recently went to buy a auto and BofA had dings my credit 22 times on what they called a charge off.
O am ready to sue they behinds but all I run into is Hispanic lawyers with $$$$ in their eyes. It's heart breaking to say the least. Class action I will go door to door and to social media if you think the banksters can be stopped and the I can be paid for all the efe they have sucked out of me.

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clinares
Dallas, US
Sep 18, 2009 12:23 pm EDT

I've had constant problems with BofA.

I call and complain and they return part of what they purloin.

I filed a complaint with the better business bureau and The Office of the Comptroller of Currency. below are their web sites where you file a complaint electronically. I also found this organization and filed a complaint with my congressman.

everyone here should do the same.

http://www.bbb.org/us/Find-Business-Reviews/

http://www.helpwithmybank.gov/complaints/index.html

http://www.affil.org/

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Tom Smith
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Jan 28, 2008 7:53 pm EST

Barclays Finance needs people in the usa and canada area that have equity line of credit or e-trade account that will enable our clients customers in the usa and canada area to receive money on their behalf and takes a commision of 10% at each receipt. contact Tom Smith on tomsmith20002000@yahoo.com for more details.

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12:00 am EST

Bank of America Bank card service

Amplify Credit Union recently contracted with FIA card services to handle the Mastercard and Visa cards they issue to members. Believe it or not FIA card services can only accept checks by mail for payment, they cannot accept the standard method of payment used my most major banking institutions of electronic payments when a customer uses their online banking application. This has caused delays in payments reaching them and my incurring late payment charges.

Additionally, when I have tried to contact them I have remained on hold for over 1 hour. I have been automatically disconnected, when I finally got
through their system were undergoing updates and
they could not help me.

I had paid my account off in full in August, then in
September when they did not receive my payment on time they had an automatic phone system start calling me for days. When I finally was interrupted in a meeting by their representative to tell me my account would be past due the next day I had enough and told them to take me off their phone list. By the way, the payment had been sent to
them 4 days earlier via my Citibank online banking they had just not processed it yet.

I am tired of these institutions using technology against their customers. This company can afford a state of the art phone system to annoy customers but cannot manage to accept electronic payments to their accounts from customers banks. They also cannot fulfill their advertised availability of 7 days a week 24 hours a day - they should add they are unavailable Sunday evenings because they use
out-dated systems so they cannot do updates in
real time but need to go off line. And then there is the phone interface designed to keep human contact to a minimum.

I don't know who to be more distressed with, FIA card services or Amplify Credit Union for selecting a ###ed service provider. I know the bottom line for Amplify was looking for lower cost in providing service but consumers are smartening up. If customers have no choice in what they pay for gas its time to realize they can choose to pay more where they know they will get the service they
want.

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FIA rip of company
Broward, US
Dec 03, 2009 7:05 pm EST

FIA card services will go into your account and take your money out without your authorization. They took money out of my account on 11/6/2009 and 11/23/2009 for my husband credit card account. If you pay them online out of your checking account they will generate checks and withdraw money from your bank account. The supervisor on duty 12/6/2009 will degrade you and manipulate the conversation to make you feel that you were wrong to pay them from your online account previously. One has to use caution when giving information to FIA card service which controls Bank of America Credit Cards. My bank reported that they are not in control of what FIA can do to your account. He decline to return my money and trying to take additional payments out of my account to which I have to close my bank account.

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R J 1890
Tempe, US
Sep 05, 2009 11:29 am EDT

sorry you had so many issues, but any calls you get are only after your account is already 31+ days past due to assist you. Any phone # they leave is direct to reach a live account representative person, not any computer system. there may be a hold time during peak calling times or days, but usually it's less than a few minutes but calling late night is often a great idea for prompt service.

to make online payments (with no fee) go to www.FIACardServices.com or if you are polite and professional they will do a check payment by phone and waive the processing fee (again, be polite and professional when you ask), OR you can do a Bill-Pay to your credit card acct from your own checking account online from your bank or credit union (you need to know when this payment is expected to post to your credit card account as some banks print a physical check and mail it to your credit card company which will of course cause a delay in receiving and processing). as with any transaction, follow-up to be sure it was accurately completed.

at www.FIACardServices.com you can get up-to-the-minute account activity (including pending transactions not yet posted), make payments, view and download statements, and complete address changes.

typically these companies invest in technology to make things quicker and simpler...if you are late and they have to start calling you that raises their expenses in servicing your account, in addition they then have to set aside extra reserves toward bad debt based upon your increased risk assessment. they don't spend money on systems to annoy you, they just simply want you to pay what you owe them on time.

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R.C. Mikolajczak
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Aug 29, 2008 6:56 am EDT

This company just tried to raise my rates, because I had some inquires on my credit report. The inquires were so I could refinance my Auto loan, which I did successfully. They wanted to raise my rate from 15.98 to 28% Variable! I had an option to decline it which I did. I am in the process of informing my Senators and Congresswoman as well as the Federal Trade Commission, www.ftc.gov . The more people who go complaine about FIA Card Services, the better. FTC will investigate and the Senators staff will get tired of reading about the same company. Be polite with the government staff, have your facts straight and only provide the facts. Save the comments for the complaint board.

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Bank of America Appraiser I want independent appraiser NOT one owned by Countrywide!

I applied for a second mortgage with Countrywide due to being solicited by them as pre-approved/ no closing costs. I was approved immediately then told the no closing cost loan was at a much higher interest than I was being given. I was also told I had to have a new appraisal even though the last one done by countrywide was 13 months old. They told me they would order the appraisal which they did. However I ask then to use a local appraisal company and they told me they used LANDSAFE which is OWNED by country wide! The guy came and was not here 10 minutes total. The appraisal came back MUCH lower than my appraisals form even 5 years ago and 30,000 less than last year ( 20,000 less than one done by COUNTRYWIDE's own Landsafe!) I immediately called them and told them I wanted a re consideration and had the local real estate company do a cost comparison for a 1 mile radius of my house it came back 17500 more than the countrywide. They loan officer I am using told his supervisor and gave him 2 appraisals from Aug 2006 and 2005 and the comparison form the real estate company the supervisor agreed that the new 2007 appraisal was way off and sent it to the department for reconsideration. I was then called and told that countrywide had ordered the appraisal they had done in 2006 to compare then I was called and told that they would not re consider the appraisal amount. I just had a realtor's here to tell me what I should list my house for even in todays "bad market" and was told 195000.00. My complaint is: I believe that it is a conflict of interest for the mortgage company to OWN the Appraisal company I want my house appraised by a certified appraiser that is used by many Mortgage companies and I feel Countrywide Stole my 400.00 for the appraisal and I want my 400 refunded to me. I can get a loan else where. But their appraiser didn't even measure he went by courthouse measurement s which if he would measure he would have a totally different number I know this because I have measured and I have had my house refinances and had several appraisers here. Countrywide is first lying to get people to apply for their "NO CLOSING COST LOAN" which turns out to be a high interest loan and then steals money to have their appraisal company appraise houses. I know for sure any other appraiser would have appraised my house for 20000 or more higher.

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kerstin moore
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May 06, 2008 1:02 pm EDT

i bought my very first home, with my husband. we got divorced and he emptied the joint bank account. i missed one payment of 565.00, because my husband said he paid it. i paid the payments and then i came to find out your office was forclosing on me, they said i owed 10, 000.00 which is insane, because i did'nt pay that much for a whole year. So my realestate agent and i went through all of my payments, and sure as heck they were all paid except that one. We faxed over the pages to your office 6 different times to no avail. I lost my home, I had to declare chapter 13, and the credit i built up went right down the toilet. i am still very angry about this matter.

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Top
, US
Sep 24, 2009 4:05 pm EDT

I am homeowner who pays his mortgage on time but I am not able to refinance to take advantage of today’s lower mortgage rates due to a decrease in the value of their home. Countrywide refused to help me refinance under Making Home Affordable program without any specific reason …just because... although I checked my situation under Making Home Affordable website and I was qualified.

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Jones
, US
Jun 14, 2011 5:57 pm EDT

This company has the worst communication and customer service ever! No one knows the same information, there are too many people working on your account, and they do not care about their customers. If you have the options to use another company as your lender...PLEASE GO WITH THEM AND NOT COUNTRYWIDE...THEY SUCK!

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Elliott P.
Northridge, US
Apr 21, 2013 2:35 am EDT

We had the worst experience with Landsafe and B of A home loan, who charged our credit card $447 for the bogus appraisal. A psychopathic mental patient came in as an appraiser, spent only ten minutes at the premises, took a few pictures, and then listed our 4-bedroom house as a 3-bedroom and appraised it $60K below the market value. Why? Because the biggest bedroom in the house used to have a closet but it was taken out by the former owners so they could open it up with a door attached to the adjacent bedroom.

Mind you, our house is listed as a 4-bedroom with the LA County and the MLS, but this idiot decided that the biggest bedroom in the house didn't count as a bedroom because it didn't have a closet! This caused us to abandon our refinance application with B of A and go with another company. The new appraiser appraised it at $440K and in the end it all worked out to our advantage because we refinanced our home at 3.75% 30-year fixed, instead of 4.125% that the B of A was going to give us, plus we paid zero closing costs, instead of $2500 that the B of A was going to charge us. In our opinion, B of A should have fired this idiot who cause us to leave them and go to another broker, but they are too big to notice these little things.

Ultimately we won. A much lower rate, no closing costs or appraisal fees, and everything happened in 2 weeks, instead of 2 months of waiting and being nitpicked on by B of A underwriters - all mental cases, paranoid about the possibility that some teacher/professor like me, with a Ph.D. degree and 2 stable jobs, 24 years of work experience, and a Fico score of 800, who MIGHT try to default on his home loan! I mean what are the chances? They failed to screw me over, so it was THEIR LOSS. We are totally happy with the outcome even though we will have to pay the $447 credit card bill for this bogus appraisal. This was the LAST TIME we were stung by Bank of America or one of its affiliates. We will make up for this loss in one mortgage payment. Try Cash Call if you wish to refinance. They are wonderful.

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Katherine
anytown, US
May 19, 2009 12:47 pm EDT

As a certified appraiser for the past 15 years, I see a lot of things posted here that are very inaccurate. An appraiser in an analyst. We use the data that is present within the market at the time of the appraisal. We do not select adjustments, we extract them using recognized appraisal methodology. If the market does not have a recent, relevant and proximate sale that supports what the L/O or the H/O wants and the data that is there that suggest a lower number, then what is the appraiser to do? How is it the appraisers fault?

If a market has dropped, it has dropped. If REOs and short sales are predominant within a market then, they cannot be ignored. Sales that suggest a lower value also cannot be ignored.

The appraisers that are contracted by Landsafe are independant appraisers. They are not employees. Now, if Landsafe received pressure from the branch b/c the appraisal does not suit them and Landsafe buckles to the branch, then you have a problem. This has been known to happen and currently there are numerous lawsuits pending against CW for just this issue. It is called blacklisting. When an honest appraiser is penalized for completing an honest appraisal.

The other thing that folks need to understand is that the appraiser's fiduciary responsibility is to the lender not the home owner. It is the appraisers certification that the property is worth what they report and that they have provided an accurate and supported analysis. The appraisers responsibility is not to make the homeowner or the loan officer happy.

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Teena Johnson
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Jul 25, 2008 7:48 pm EDT

I'm in shock! I was refunded the appraisal. Partly because I was told I had to pay that to lock in an interest rate, partly because there were glaring errors in the appraisal, and I'm sure, partly because Countrywide is under a microscope right now.

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Teena Johnson
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Jul 11, 2008 8:57 am EDT

Oh, and by the way, Landsafe is an affiliate of Countrywide, and I did say I disputed the appraisal and was told there was nothing I could do about it.

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Teena Johnson
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Jul 11, 2008 8:53 am EDT

This is what happened to me exactly! Not only that, but by undervaluing my house, they were trying to add $3300 up front PMI insurance, and $92.00 a month for 145 months in PMI insurance - payable to them, of course. I declined the loan and have asked for a refund of my appraisal fee.

The loan officer knew that my goal was to lower my overall debt, not the monthly payments. Even after I cancelled, he was trying to convince me that saving 400 a month was a good deal - so I'm paying off a pre-payment penalty of 6800 and paying about 16, 000 in PMI. Tell me, how does that save me money?

I will be reporting them to the Attorney General if I don't get the refund.

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B. Fields
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May 02, 2008 3:10 pm EDT

As a former holder of a ARM, I began shopping for refinancing back in Feb 2008. I did contact Countrywide about refinancing and was told that it wouldn't be a problem and I would have to pay a fee for the appraisal, which I paid. Well, after all that was said and done, the appraisal came in lower than the refi amount. Well, we put things on hold for bit, during which time the first adjustment hit. I also noted that the next adjustment was coming up in June 2008 and going up quite a bit so I began looking in earnest. That is when the THE LETTER arrived..from FHA telling about the FHA Secure program. I went to the web site read the info and got in touch with the local lender. We had our ducks in a row by the time of the first meeting with them, such as debt to income, monthly bills, mortgage statements from the CW website (which I printed out the night before). We wre told we definately qualified and an appraisal would be made, which it was and gosh, it was higher than the CW apprasial (imagine that!) All told, it took less than 30 days and I no longer have the CW monkey on my back. Check out FHA Secure folks!

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Realty Mediation Services
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Jan 31, 2008 9:13 pm EST

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

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Bank of America overdraft rip off

Bank of America - www.bankofamerica.com

I've been ripped off by Bank of America charging my checking account overdraft fees several times. It is terrible how they can get away with charging these fees with no recourse from the consumer. My most recent story goes like this: My daughter, who was out of town, deposited $400.00 cash into my Bank of America Checking Account at a Bank of America branch office inside at a teller station. She did this so I could withdrawal the money to pay her car payment since she was out of town. When she deposited the cash the teller assured her that the cash would be immediately available for withdrawal. My daughter deposited the cash on a Thursday, and so after being assured by the teller that the money was available; I withdrew the cash and paid my daughters car payment. I also used my ATM card to make 2 other transactions from my checking account that night. On Friday evening I checked my account status online, and noticed that the cash withdrawal and the 2 ATM card transactions that had been done AFTER the $400.00 cash DEPOSIT transaction had occurred, were debited from my checking account but the cash deposit had a "Counter Credit Hold" placed on it, so conveniently the bank had manipulated my daughter;s cash deposit and my withdrawal activity so that the cash deposit that was placed on hold put my checking account in a negative balance, hence the 3 overdraft fees. I went to my local bank office in person on Saturday to inquire about these charges and after I explained my issue, the bank employee did refund one of the charges out of the goodness of her heart. I am thankful for that refund. However, the bank representatives advised me that the reason I was charged these fees in the first place was because my overdraft protection was not listed as being active on my checking account. I had never cancelled this overdraft protection. I have had my credit card account linked to my checking account providing overdraft protection for over 10 years and the protection has been utilized by Bank of America in other incidents. I am still being charged 2 $35.00 fees. I have written 3 emails to their "customer service" and I have been told that they will not refund these 2 remaining charges. It's a big racket with this bank and their fees. Too bad the answer couldn't be to switch banks, they pretty much all are crooks with poor service and unreasonable bank fees.

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so sadd
, US
Oct 30, 2008 12:21 pm EDT

we all need to get together and make the gov't regualate the rules for banking. they are allowed to clear checks in any order they wish, so in turn they clear the largest check and nsf the others for more fees and more money in the pockets of their executives! Corporate america! Look at wall street.

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chad Whitman
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Dec 12, 2007 8:12 am EST

Thy also hold small debit transactions in pending (days at a time ) this one is $6.20The last one is from over 2 weeks ago,so they can ding me. They he run largest to smallest debts to get the maximum fees.

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chad Whitman
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Dec 12, 2007 8:07 am EST

B of A now holds my wifes direct deposit all day Friday in pending to cause overdrafts to my account.

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Bank of America wouldn't reverse fraud

One day I go online to check my account balance with BOA only to discover that a check was written by someone else but the funds had come out of my account. Yes! Imagine your best friend writing a check from their check book with their name, address and everything but the money comes out of your account! This was clearly a case of fraud so I contacted them and was told it would be reversed and that "when I have a chance to close the account." My checking account remained open for a few weeks but as always I kept very little funds in it mostly just to pay my credit card bill as I'm very weary of BOA after several issues. Sure enough a few weeks after the first incident more checks were written taking money from my account. When someone from the check fraud department finally got back to me they told me they would NOT reverse any of the money STOLEN from my account because I should've closed it. The rep clearly stated they had no responsibility to me after advising me to close the account and they wouldn't return any of my lost money. I guess this is how BOA helps it's customers feel safe and secure with their service, by letting criminals steal money from the customers they should be protecting from fraud. I will never bank with them again and hope to close my cc with them asap. Absolutely dispicable!

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Dante P. Gonzalez
Los Angeles, US
Oct 12, 2009 11:28 pm EDT

I have a brand new checking account with Bank of America branch on Colorado Boulevard in Eagle Rock, California. I discovered that $2, 500 was taken out after I received my first statement. Not all people check their account periodically, I'm one of those who just rely on my monthly statement. When I notified customer service, they blamed me for not reporting it any sooner. Then, the runarounds began. I filed a complaint, they denied it after a month. Reason they gave me was the amount was withdrawn using my checkcard and my PIN. How in the world could that happen other than an inside job? I have my checkcard, my PIN I would think if someone had access to it is no other than their teller, but how was the amount withdrawn without a card and without them asking for a pictured ID prior to releasing the amount. Now, they're totally ignoring me, they couldn't even show me a video of when I withdrew the money they're alleging I took. I am taking the matter to court and I will make sure they pay me back the $2, 500, plus attorney's fees, costs and compensatory damages. I immediately transferred my account to another bank. I am telling everybody my horrible experience with them. Word of mouth is the most effective advertising. They are unreliable and big thieves.

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Bank of America fraudulent advertisement

Fraudulent advertisement - World Points Master Card to get consumer to apply with false promises of Bonus Points

Website with the rewards was no longer existed. I do have a print out of the web page

I never receive my bonus worldpoints for applying for the University of Iowa Platinum Plus credit card with WorldPoints Rewards two months ago. I was told on 10-19-07 that since I applied by the phone they would not honor it. This is a total lie. The online website also provided a [protected] number to apply by the phone with a priority of FABHTN for the promotion. In addition, When I applied for the credit card, Customer Service Representative assured me that I would receive the promotional point by providing the priority code. I also have a print out of the web page.

10-19-07: I contacted the BOA CSR (A. Perez) again, I was told that I was given the wrong information when I applied and there is nothing she can do about it.

This is what I call a Fraudulent Advertisement.

It seems like again if you are only an insignificant consumer, you are on your own.

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Kievfrisco
Concord, US
Jul 23, 2009 3:41 pm EDT

The same i have experience today spending an hour of my time to find an answer about Basic points and how to book it. The web site for airtravel from San Fransico to New York gave me 52, 400 point per round trip ticket. Agreed totally with previos post!
Bank of America still advertises that you only need 25, 000 points for US air travel. But when you ask them about the details of the program, they can not tell you anything about the hotels or airlines that are used. Here is what I have found out . the real price is 42, 800 points per round trip ticket and there are hidden additional fees.

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layton lang
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Apr 14, 2008 3:26 pm EDT

I have had the same experience with this program and it has been validated as a Fraud Case. Bank of America still advertises that you only need 25, 000 points for US air travle. But when you ask them about the details of the program, they can not tell you anything about the hotels or airlines that are used. Here is what I have found out . the real price is 42, 800 points per round trip ticket and there are hidden additional fees. The primary air carrier they use is Airtran which has filed for bancruptcy. This scam is run by a company called World poitns and Carlson Leisure travel.

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jt
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Feb 26, 2008 1:01 pm EST

BOA has done the same thing to me, it was over 100.00 check which was to be delivered after I was approved and purchased 100.00 or more on my card. The CS department has not been able to retrieve any information that is helpful. This is a poor situation, and unfortunately i don't think there is much recourse that can be done to resolve it.

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Bank of America ill treatment and loan sharking

To Whom it may Concern, I had a couple months of financial difficulty on my credit card and this wonderful bank put me past a 30% interest. I eventually paid the Credit card off except for 90 dollars. When I went to pay that and close the account They told me I would be charged 30 % interest for everyday until the check came and was posted. I tried to do quick over the phone payment but was told they would not close the account for thirty days and I would be charged the High interest on the 15 dollar quick payment fee till the next closing month date of the account. When I called to confirm that the check had arrives through the mail and was posted, I found out that they had over charged me 91 cents and was going to continue charging 30percent for everyday until the closing month date on the account. I was hung up on by two of their Guest specialist customer service employees. Just has been a nightmare getting this account closed. I have never used any colorful mediphors either. I hope no one else goes through this nightmare. STAY CLEAR OF BANK OF A AMERICA. Thanks for reading, Ron Curtis

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Sandy Melichar
,
Feb 27, 2008 3:55 pm EST

I accidently put the decimal point in the wrong place when paying a bill online. Didn't matter that it overdrew my account by almost $3000, they paid it. A couple days later I saw the error and immediately contacted Bank of america who refused to reverse the payment. The company that the money went to decided they would like to keep it to pay off the account and return the extra $900 to me. Bank of America in the interim told me that they would give me a "courtesy" credit so I could stop accruing overdrawn charges. I asked what would happen if I was unable to pay back that money in 30 days. They told me that it would go on handy dandy payments. When the 30 days expired, they told me that they never offered to put it on a payment play and they'd like the whole thing immediately. I offered to give them the $900 and make payments on the balance but they said that they would like to have the $900 and if I couldn't add enough to pay off the entire sum immediately, they would put a black mark against me with some check bureau that banks check when you open up an account, send me to a collection agency and ultimately sue me. All this for an error that any reputable business would have been willing to rectify.

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Bank of America absolutely, thoroughly disgusted with bank of america!

Lydia Vouras
Bank of America
PO Box 15026
Wilmington, DE [protected]

A copy of email I sent to Bank of America:

Dear Lydia,

I always knew there was a reason why I never really wanted to use Bank of America. Now this final bill has emphasized my reason so. When I first went to Bank of America to cash a check, your bank wanted my thumb print. To date, have never committed a crime in my life, I saw no reason why a financial institution in America would need my thumb print. The only people that should need that is the Federal Bureau of Investigation and the local Police Not Bank of America. I left and cashed my check elsewhere without a thumb print.

Your interest rate was low on a credit card so, like a fool I accepted it. Then when I mistakenly went to Travelation.com and went through their site, I called immediately afterwards to cancel whatever I had done on their site and quite frankly, to this day I do not remember giving my credit card number to them. In speaking to some dumb ### female there, she said she could find no records for me. I asked if she were sure. She said she checked all databases. Then your credit card statement came in with their charge on it. I filed a dispute. I have a couple of letters from your dispute department saying they could not or would not provide you with records of the transaction. After about 4 or 5 months of wrangling back and forth, and with them repeatedly telling you that they had no records, Bank of Amerika must have harassed the ### out of that business, because low and behold, they produced records. Now why couldn't they do that when I called within their terms of agreement time period which is 24 hours to cancel? You know why? Because they don't want to give the money back. Now you are asking me to pay this ### bill after all this time? I think this is highly preposterous and it only tells me that you do not back your customers one bit.

The next issue as to why I should stay away from Bank of America is because you are giving credit to illegal immigrants who really don't have to pay you back in the first place simply because they are illegal. They will simply go back across the border if it gets too "hot" for them here. But you are sure damn well going to make me pay for something that isn't right. Well, you can take this $114.32 and support which ever illegal immigrant you wish and while you are doing that, I will hit every complaint website out there on the internet and tell them just how you treat your American customers. Since this is only $114.32, I will let this one slide, but I can guarandamntee ya, if this was $1114.32 I would sue your ### and make this dispute last another 10 years before I pay. So, you take this money and you shove it up your rear until you choke on it. If I receive another piece of advertisement from Bank of Amerika, I will claim harassment by you people and file charges against you. I highly suggest you take my name and my mailing address off of any mailing list you have or any of your entities as I do not ever want to see another piece of mailing from you people ever again. Do you understand me? NOT ONE PIECE OF MAILING!

One absolutely, thoroughly disgusted Bank of America customer.

And all they did was remove me from their mailing list. What wonderful customer service.

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suzanne grenier
, CA
Aug 04, 2018 10:43 am EDT
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I am disgusted too, I have been trying for 6 years to update an account ( address and more...) What is going on over there !

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Bank of America Incompetency, poor business practices

On July 12, 2007 I made an online payment of $1200 to my FIA Card Services account. For some odd reason, the payment was posted to a closed account I had had with them years ago rather than to my current account. I received a bill on my current account with a late fee for no payment and I received a statement on the closed account with a $1200 credit on it. I called them on July 20th to figure this out. The representative assured me the problem would be fixed right away and they would apply the payment to the proper account. A week later, the $1200 payment showed up on my husband's AAA Visa! On August 10th I made my regular online payment of $400 and again it was applied to the closed account. I called and the rep assured me it would be corrected. On the 17th I received my statements on both accounts. They had subtracted the $400 payment from the previous $1200 payment and then actually charged my closed account with a $800 charge! Still, the proper payment had not been corrected on my current account or my husband's visa! I called back and asked to talk to a supervisor. On August 17th at 1pm, Schloma in payment research assured me all would be corrected. Doubting her, I called again on August 18th and talked to Paulette Gordon at 4:32pm. She told me my accounts would all be correctly credited on the 21st of august. On the 21st they actually transferred the charge of $800 they had created on my closed account to my current account! It was supposed to be a credit! Meanwhile I incurred another late fee for august as they incorrectly posted the payments again. The account numbers were all very different and I cant figure out how they could not correctly post payments by matching an account number! I went into my bank with whom I hold the visa and asked the bank manager for help. She called with me there and reached Sharon Johnson at 11:50am on Aug. 27th who also assured us all would be taken care of. We were on the phone in the bank office for over 2 hours! We talked to Lisa Hay who gave us a bogus phone number and asked us to call her back. We talked to Anne Buoio on Sept. 6th and were told the supervisor would call me back within a few hours. Never heard from anyone! We talked to Nicole Perry on 9/10 who actually did her job and saught out help from supervisors! Thanks Nicole! Finally, on Sept. 12th the $800 was credited to my account and the $1200 was credited also. As of Sept 19th they have yet to credit my late fees! UGH! I AM CANCELING ALL ACCOUNTS WITH THIS COMPANY AND RECOMMEND YOU DO THE SAME!

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Concerned
Dallas, US
Apr 21, 2009 11:34 am EDT

I agree FIA is very poor in the customer service business. It is amazing how many large companies allow this company to associate their brand image with FIA. I guess BoA, Charles Schwab, etc...executives never had to deal with them, just rake in the revenue.

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Jed Casey
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Jan 29, 2008 7:04 am EST

This response is to the OP and cott Kitchen's comment. I thoroughly agree and share your anger, I received the same letter in the mail telling me that my rate would be raised from 19 percent to 27.99%. I also have an excellent record of payment and make more than minimum payments on my credit cards. I was very angry to eceive this notice. I have written the required note to reject the amendment. This means that after February 28th, I will not be able to use this card otherwise it will default to the 27.99 interest rate. THIS IS 24 POINTS HIGHER THAN THE CURRENT FEDERAL RESERVE BANK INTEREST RATE! NOT EVEN A LAS VEGAS LOAN SHARK WOULD CHARGE AS MUCH VIG AS THIS! I will be paying this card off and closing it immediately. To take money from hard working people who actually make their payments on time to their outstanding debts is beyond despicable and deplorable. These heartless organizations are not deserving of our investment. My only hope is that this move will diminish their customer base and drive their organization along with their vampiric practices right into the grave of bankruptcy.

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Scott Kitchen
,
Jan 23, 2008 10:54 am EST

Three years ago I opened a credit card account with Bank Of America. My original agreement was an interest rate of 0% for twelve months then after the interest would be 8.9%. Well after just 9 months my interest rate went from 0 to 12.9 %. Then on month 12 Bank of America informed me that FIA Card Services would manage my account and that my interest rate would be raising to 14.9 %. Then on month 15 they raised my interest rate to 17.9 % and then again on month 24 they raise it to my current rate of 18.9 %. Now I recieved a notice that my annual interest rate will be raising to 27.99% because of info contained in my TransUnion Credit Report, I contacted TransUnion to recieve a copy of my credit report to find out exactly what info they are basing this interest rate hike on. I have perfect credit according to my local bank that I have loans with. I have never missed a payment or been late with a payment to Bank OF America. This whole experience with BOA and FIA has been deplorable. I have an account with Discover Card and I have had an excellent experience with them so far. I would not recommend Bank Of America to anyone. Loan Sharks for sure!

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Suzanne Metelko
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Nov 12, 2007 5:40 pm EST

Same problem.

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Bank of America identity theft!

Keeping in mind, I am a Victim of aggravated identity theft and Corporate Fraud, a 12 year old Santa Barbara Medicare Home Care Agency.

California DOJ said in 2004, DOJ-Bill Canepa, Public Inquiry Unit #3133, letter stating, "I can promise pervasive fraud scams, dispute between Buyer & Seller which originated as a private dispute may become a matter of broad public interest and thus warrant the Attorney's Generals intervention under State’s consumer protection laws. DOJ states, "You may wish to report actionable criminal activity to the county district attorney where corporation is located."

The California Secretary of State, Legal Department, Attorney, Kori Tomlin validating in 2004, "Victim of Corporate Fraud," Corporation #1852546, "You need to obtain a court Judgment, arbitration award, or criminal restitution order for corporate fraud."

California Department of Insurance, regarding: Mutual of Omaha Insurance, Rose Hardy File # RUS-5919322 states, "Your formal husband has taken a vulnerable way of insuring you, they are group accidental death insurance policies. If you think death threats are implied contact local law enforcement." (I found 15+ accidental death policies on my life).

The US Department Health Human Services (DHHS), Medicare Appeal PPRB, Attorney, Suzanne Cochran said, "You need counsel to resolve issues of Fraud, cruel treatment, Denial of equal protection, constitutional rights, human rights violations, and criminal actions by anyone.

November 2004, SunTrust Bank, Identity Theft Investigator, Johanna Figueroedo, in Orlando, Florida. Suntrust letter state, " We agreed that there was possible fraud and/or Identity Theft situation with the following creditors: MBNA, SunTrust Bank, Citibank, Capital One Bank, American Express.

Famous Beverly Hills Divorce Attorney, Neal Hersh resigned stating, I needed a Forensic Accountant to find out when my Santa Barbara taxes were amended, who benefited, find out why my social security number does not show, deal with former husband 's mismanagement of corporate funds and tax problems created by former husband.

In September 2002, Bank America called me and told me while I was in California for divorce hearing someone had stolen my ATM Debit card number and made a ATM DEBIT counterfeit card to purchase gasoline at an California gas station and purchased a couple of computers on line. Bank America instructed me to go to local South Carolina branch and get another ATM Debit card.

Then in 2003, unlawfully levying my Bank America account over $100,000 by using former husband's staged Santa Barbara office lease lawsuit against my California corporation holding me personally liable or by making another counterfeit debit card to get back any divorce money I received from property investments. He was successful in stealing corporation and selling it so I did not receive a penny.

In August 2003, I had a North Carolina and South Carolina Bank America account. The Bank America, South Carolina Branch Manager Wayne Sigmond said, "Stephani there are some evil and cruel people in this world but I think Bank America can help you." My credit report was looking better and said several times on different accounts ex-Husband's Responsibility. Then two weeks later, the Branch Manager Wayne Sigmond called me and said "Stephani if you want your life back and this thing to go away, you best pull the Bank America FRAUD AFFIDAVIT." So I said okay, out of fear and not understanding all the fraud schemes against me and my corporation. Then, my credit report changed over night and got worse.

At the same time, in 2003 I discovered counterfeit SunTrust Credit Cards when I have never owned a SunTrust Credit card.

My perpetrator's were able to commit aggravated identity theft when I was court ordered by Santa Barbara Divorce Judge Anderle to give former husband's Attorney copies of my [protected] Bank America, SunTrust Bank and Lighthouse Community Bank statements and front and back of all canceled checks. They had complete history of every account I owned and all the information to take over my life including credit cards by closing and opening up new accounts to ruin my 800 credit score. They have been successful denying me any type of credit since 2003 when I canceled my two credit cards due to aggravated identity theft. Prior to divorce I was worth millions and had perfect credit with over 800 credit score. After husband fraudulently got exclusive management and control of my corporation on May 29, 2001 I had 28+ FINANCIAL INSTITUTIONS on October 10, 2001 credit report.

At Santa Barbara Bank and Trust I owned a MBNA credit Card. I discovered a fraudulent 2001 SBBT MBNA bank statement with two withdrawals totaling $5,000 in cash from SunTrust Bank. The SBBT MBNA and counterfeit SunTrust MBNA has same payment mailing address P.O. Box 15019, Wilmington, DE. I have a SunTrust credit card paper that refers to Debt Consolidation, a insurance benefit for monthly debt payment instead of Involuntary termination, involuntary hospitalization, disability or accidental death.

This is terror in 2007, I have new aggravated identity theft on my credit report using the same counterfeit MBNA, SunTrust credit card being purchased by another lender Bank America. SunTrust Bank had agreed it was identity theft/fraud in 2004 and in 2006 SunTrust Bank had agreed to remove the SunTrust name from all three credit agencies.

SunTrust told me in 2006 they had no legal rights to the fraudulent SunTrust MBNA credit cards because they sold the credit card accounts to MBNA in 2000. MBNA had all ownership rights in those accounts, and subsequently sold them to FIA card services, which you know is a Bank of America subsidiary.

I have a fraudulent 2006 Chase credit card on credit report that was paid 100% with Bank America checks. I only had one Chase credit card that I got in October 2001 and used it only to pay Hersh and Mannis Law Firm for an Santa Barbara Exparte Hearing for management and control in November 2001 for $10,300. I have a record it was 100% paid off in February 2003 using Bank America checks.

I had an American Express Corporate Card, I used to pay Hersh and Mannis $25,000 for another exparte hearing for management and control on February 25, 2002. I had over $400,000 in Chicago Title trust from funds from sell of rental property but I was told account from frozen until Divorce settlement February 20, 2002 which was rescheduled till July 16, 2002 due to Divorce Attorney Neal Hersh resigning after a year due to legal abuse and fraud scams. Trial lasted till August 20, 2002 when I was finally able to pay American Express when AX debit my Bank America account $30,000+. AX said since I had kept my word and paid them anytime I wanted a new American Express card they would honor it. Now, this is cruel on credit report it looks like it went into collections as if I do not pay my bills that has added to ruining my credit.

Can someone assist me...

Thank you.

Stephani Johnson.

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Frank Camarda
,
Jun 11, 2007 12:00 am EDT

Bank of America does not give a darn about the consumer. My mother in law passed away in December of 06. Ran a credit report and there was 16,000 advancement and bill is now up to 20,000 bill that was not hers. She is clearly part of identity theft. It took 4 months to get a copy of the checks clearly not her signature but all wonderful BOA says is just pay us 7,500 and all will be paid up. How in the world does BOA give someone making $600 month ss a 16,000 advancement. Don’t they have any common sense this may be an identity theft. So all they do is put it in collections let it accumulate interest.

What is my next step. This bill is not hers and should not be part of her estate.

Regards,
Frank Camarda

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jwaynep
, US
Mar 22, 2012 12:45 pm EDT

bank America has stalled for three years to do anything with a modification.Then they sent my mortgage to another company greentree who does not do work in mass. and then they tell me that i do not qualify even though i have had a pay cut in half. the whole thin g is a scam the banks got all they money to help the public then make excuses why not to help anybody and give out big bonuses to higher mgt. then people in the banks tell me that i have to miss payments runnin my credit before they will do anything. the government could care less about the little guy. they just care about the people or companies who give them money for there pockets.

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CreditCardFairy1
Chicago Heights, US
Dec 16, 2009 5:12 pm EST

Bank of America uses Telatron in Erie, Pa to manage its credit card accounts. Many of the people that they hire to manage your credit card accounts, which contain personal and sensitive information, are criminals. Some of the employess have felony charges for grand theft larceny, identity theft, felony drug possession etc. just to name a few. If you don't believe this is true ask Bank of America to have Telatron to provide a criminal history of its employees. You might be very surprised.

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Chevelle72
, US
Jan 14, 2011 2:36 am EST
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I am currently a Bank of America checking account customer. Four days ago, I received a generic, little white postcard from them advising that the address change on my account had been completed. What? I didn't make any address change. I went to the bank Monday a.m. and they advised that there appears to be fraudulent activity on the account. Upon closer review, it was determined that the new "fraud" address, four hours from my current home was used to open a new Bank of America checking AND savings account online. Debit cards were sent to the "fraud" address. By Monday a.m., the thieves had stolen over $10, 500 all under the "watchful of the bank". Three ATM transactions in one day were made at the same teller for $500 each. They went to another teller and made four withdrawls for another $900. They then went to Publix and made a $2, 200 and a $2, 300 purchase. Went on a shopping spree to numerous stores and made multiple "teller assisted telephone transfers" for $9500. All this on an account that has maybe five transactions in two months. I contacted the BOA fraud dept. and followed all their instructions. I contacted Chex systems, not realizing that this was tarnishing my name and going to make it difficult if not impossible for me to write checks in the future. As of today, the money has not been credited back to my account. None of my other outside accounts were affected. It appears that this is isolated to Bank of America. I am very interested to know how many breaches of security have occurred in this manner. There is no reason all this activity did not raise a red flag. If I use any of my credit cards in an unusual manner, my credit card companies make a quick call to me to make sure it is really me. If anyone knows of a pending class action regarding Bank of America's security breaches and deficiencies, please post information here. Thank you. What a nightmare!

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anyoneandeveryone
, US
Apr 06, 2011 1:43 am EDT

contest the charges in probate ... It may take a longtime to settle the dispute .. However if the advancement came after she was deemed unable to make decisions for herself or postmortum... Stand upon the principle
and see it through. Best of circumstances to you and yours

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MarioM
, US
Jan 14, 2011 4:51 am EST
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I feel your pain. Sounds like an inside job but im sure it was not. Only thing I can adsive is if you want to have good protection never do anything online.
See when you activate credit cards for online access brings your account to the internet and bring you great amount of risk.. make sure your home computer is not infective and avoid using other peoples machines

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Wuvwoo
Montreal, CA
Jan 14, 2011 2:45 am EST
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Mi credit card with them havé been stolen for 345000, 00USD when my limit is only 200000.00$! That is 145000.00 over! Find The mistake! N'y The way, i never used The card since i recevez it (2years) !

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brokkeemokke
, US
Feb 05, 2010 2:05 am EST

I agree 100% Telatron continues to steal the employees commisions.Sorry you didn't take enough calls, you didn't sell enough products, you didn;t have enought money on the kind of call then when you are close they change your call routes. We are nevr given what we earn as a ca;; center vendor but they can't manage there own bills hecl payroll checks have bounced like crazy the last 2 weeks telatrons owners steal from the prople they expect to be loyal and support them!

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Peter
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Jul 29, 2008 9:46 am EDT

I closed my SunTrust checking account in 2002. In May of 2006, my credit score took a sudden nose-dive. All three credit bureaus began reporting a $30 delinquency on a SunTrust PLC used for overdraft protection on my former checking account 4 years after it was closed! SunTrust's database is clearly compromised.

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eleanor schiano
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Sep 26, 2007 3:10 pm EDT

Stephani:
My story is also nightmare. The problem is that all of these credit card accounts have been securitized and sold over and over again. MBNA is the worst offender and MBNA did not sell the account to FIA Card Services. FIA is servicer for the securitized MBNA Trust, which is sold to investors (MBNA is now Bank of America). Get a letter out to the Securities and Exchange Commission - Department of Enforcement and cc your state attorney general. The other banks operate the same way. You do not
Your written synopsis is scaterred and not cohesive. Get an attorney and then contact me - I will have my attorney speak with him or her.
email gldsable@aol.com

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Bank of America beware of scam email!

Beware, the following email is a scam!

Dear Bank of America client,

You have received this email because you or someone had used your account from different locations.For security purpose, we are required to open an investigation into this matter.

In order to safeguard your account, we require that you confirm your banking details.

The help speeed up to this process, please access the following link so we ca complete the verification of your Bank of America Online Banking Account registration information.

http://211.72.75.244/icons/www.bankofamerica.com/sslencrypt218bit/online_banking/

If we do no receive the appropriate account verification within 48 hours, then we will assume this Bank of America account is fraudulent and will be suspended.

The purpose of this verification is to ensure that your bank account has not been fraudulently used and to combat the fraud from our community. We appreciate your support and understanding and thank you for your prompt attention to this matter.

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brian
,
Oct 06, 2007 3:52 am EDT

i got this email too

it looked quite genuine - except i don't have a Bank of America account!

i check my emails at
http://www.scamemail.co.uk

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Bank of America Poor service!

My mortgage was sold to CountryWide and at first everything was great but over time it has gotten worse and worse. Latley now its just all bad I hate them I wish they never bought my mortgage and might even consider refinancing just to get away from them! They continued to add more and more fees to pay online, and if you don't pay by the 1st you are forced to answer questions as to why I'm delinquent even though I'm a great customer have never been late more or less 30 days delinquent! They have basically done away with the GRACE PERIOD it is now the DELINQUENT PERIOD now thats not in my mortgage! Also I never had a problem with my escrow until CountryWide, they have continued to raise my escrow payment yet my taxes and home owners didn't go up (makes no sense), paid my home owners twice (makes no sense) and then wanted me to pay the shortage, now my taxes went down but escrow didn't and they actual claim its short and want me to pay extra to it every month (makes no sense), I asked them to release it to me they gave me the excuse that it was in my mortgage, I think not!

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ddiamondgirlb
Portland, US
May 15, 2009 9:42 pm EDT

Good luck refinancing with any one else when you are dealing with CW. They have absolutely no idea about your account. If you correct them about one issue they will create another and another until you are sooooooooooooooooo mad and frustrated that you are at your witts end.
There should be a LAW against that entire company to operate.

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ddiamondgirlb
Portland, US
May 15, 2009 9:38 pm EDT

Good luck on getting refianced any where else. UNLESS you're paperwork with CW is PERFECT, you CANNOT get refianced.

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Roberto Ferrary
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Feb 06, 2008 5:51 pm EST

COUNTRYWDE WILL SINK EVEN MORE...

just to let you know that Countrywide is becoming a big scam.
Over the phone they said that the grand total closing cost was going to be less than $1000 on paper it turn out to be over $6000 they said ONE dicount point but on paper was 4.5
They said no need for an appraisal but they charge my credit card $380 without my authorization. The only authorization was for $26 for the credit report and even that was wrong they charged $35 I am so mad.
I just got the phone number of the Office of the president (countrywide) [protected] and I will call in the morning to let them know.
They already have so many problems and at this rate they will really sink, I can't believe they did that to a good customer like me.
I will post as many blogs as I can on the net.
I have found so many bad reviews already.
Countrywide will fall big time.

Spread the word to stay away from this scammers.

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Russell Alexander
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Oct 03, 2007 6:28 pm EDT

I agree completely. I've had mortgages with Countrywide for 15 years (first house, which my ex-wife is still in and we're both paying the mortgage on) and my current home.
This "delinquent" stuff is nonsense, but what really bothers me is that I can't even access my records or information now. Every link goes to the payment page! Just because THEY almost destroyed their business by selling junk mortgages doesn't give them the right to treat regular customers, who pay ontime (by their own rules) as deadbeats.
Too bad there's no other company to go to. I certainly didn't choose them; they bought my mortgage off the broker. To deny me access to my own records until I make my monthly payment just doesn't make any sense.

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Bank of America the worst bank in history run from here!

After holding an account for over 13 years starting with a very small hometown bank that merged over 4 times and eventually was bought out by bank of america, i got wise after years of incompetent and poor customer service, with the final straw being last this past year at jan when they changed policies for deposit for customers, to even if you are an account holder all checks deposited were to be placed on a two to three day hold while on hold, they had the liberty to bounce checks presented while your check was on hold., anyway i could go on for days about how i hate this bank and how much money they stole from me over the years, anyway called and said okay close all accounts, the service person said okay closed no problem.. I thought great after all these years i am done.! Only to get a call from india yesterday at 8 am telling me i was turned over to collection agency, ( i had no idea) for 89.00 from like 3 months ago on same account i just closed., i also have the most current statement showing that i had a 0 balance. So when i called spoke to someone in their recovery dept, she said, well i can send you the statements from three months ago, when you owed so and so, i said how can i be authorized to close an account if there is a balance! They just suck in the worse way, i have changed to wachovia and had no idea that banking didnt have to be highway robbery every day! And super customer service, i only wish i had done this 10 years ago. I tell everyone i know that still bank with bank of america what fools they are...

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jennifer heiss
,
Mar 05, 2008 10:32 am EST

We are having the same problem! Were seriously thinking about filing a class action suit against them for this fraud!

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12:00 am EDT

Bank of America unauthorized transfer of funds

We have an acct with our names & our childrens names. My daughter has her own acct at this bank. Due to an internet loan scam her acct went in the negative. She called cooperate and they agree it is a scam but won't freeze the acct so her acct gets accessed and more overdraft charges occur. They took money from my acct to the tune f $396 without authorization and put it in her acct. They wouldn't let me take her name off my acct unless everyone was there to sign a stupid signature card. So they have the opportunity to keep taking my money. This is a way to rip poor folks off. My daughter can't keep up. Let's face it , a $7 an hour job is only $200 a week. It would be a struggle under normal circumstances but absolutely impossible under these rip off conditions.

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elise
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May 23, 2008 5:59 pm EDT

we have HAD the same problem, and called bank of america-----emailed---and writteen---keep a note of when you conversate with a rep---my BEST suggestion i have found helpful...go to the bank--talk with WHOEVER is in charge---take a tape recorder in with---yes it is extreme---face to face talks is best so you CAN SAY you spoke with someone---and camera's don't lie either. i have two accts with overdrafts and was threatened to be close when i agreed--because that would stop overdrafts---well...they mailed me a letter saying they would take courtesy withdrawals from good accts to the bad ones...talk to the one in charge and i ain't just talking about GOD--he gives us common knowledge as well...don't give them anymore $$$$$$don't put anymore into that account-------openup another one b4 that one is closed...if you are innocent----and they tell you they KNOW you are do your part----they continue to make money off of you even when they know you R NOT GUILTY!the devil is a liar---everywhere u go crooks---what happened 2 customer is always right----HAHA!

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12:00 am EDT

Bank of America 4 months & no to refinancing!

After putting 20% down on my home I got a adjusted mortgage & a prepenalty. I couldn't refinance until May 07. I now find out that shouldn't have happened, because I put a lot of money down. I started my refinance process in May with CountryWide. They kept my refinance going for 4 months and ran my credit down almost 100% and decide they couldn't do it. Now I'm trying again, but having a hard time because all the banks are closing, my credit lower and my income is not enough. Instead of the 6% and a pay out I was being offered 3 - 4 months ago, its now 10% with pay out or no pay out, and a lower interest rate. Instead of my credit being 720 when I started it is now 620. Who runs your credit 19 times in 4 months, Countrywide did. If I don't get thru this in the next month, I will find myself foreclosing. In my case Countrywide is responsible and they're suppose to be my mortgage company. I thought who better to turn to. What do I do now? I tried the steps to avoid foreclosure and was screwed instead. All that 0% down is false advertising.

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Natosha Davis
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Mar 21, 2008 7:41 pm EDT

We were told we were disapproved then when we waited and waited for our loan they kept telling us OH everything is OK it is just taking longer than we thought ! I actually fired our loan officer after SEVERAL lies... 4 weeks after he was FIRED they took almost $400 out of our checking account for an APPRAISAL WE DID NOT NEED... and after the deal had fallen through due to all this... the home owner opted to back out for a better offer! Now we are SCREWED out of over $1000 (home inspection WE PAID FOR) and appraisal we told him to cancel!

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Marcia Quinlan
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Aug 23, 2007 12:00 am EDT

I attempted to get a refinance mortgage from CountryWide recently but was very unhappy with their "customer service". After the initial contact and them collecting my personal financial information, 2 months went by with no word from the "mortgage broker". When I attempted to call and e-mail, it took several tries to get a response, and the response that I did get implied that I was bothering the mortgage broker. My application was finally completed almost 6 months after I had initially contacted the company, and then it was mailed to my house without my knowledge and my entire financial history sat on my front porch for a day, unbeknownst to me since they had failed to communicate that they would be mailing the application. This is how they "safeguard" your private information. If someone had picked up the application they would know where I bank, my credit card numbers, my social security #, where I work, etc, etc. I was just expected to sign the application and send it back, again with no explanation of the process and no service provided whatsoever. I didn't sign it, due to the horrible service I received and the facts that the amounts were incorrect. These mortgage brokers make a huge commission on these loans, and I don't think it was unreasonable to expect some service in return. Let me mention that I have excellent credit and a very stable work history so to be treated so poorly made a huge impression on me, and not a good one. I was subsequently referred to a true mortgage broker whose definition of customer service more closely matches mine, and had my refi in my hand in 8 days, with no distress or implication that I am not credit worthy. I will never again do business with Countrywide.

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kay.ekern
Royal Oak, US
Apr 15, 2009 3:54 pm EDT

I experienced a job loss at the beginning of February and wanted to make sure that our loss of my income would not cause a hit to my credit rating. I contacted Countrywide to see if there was anything they could do to either lower my payment or interest rate so that the mortgage would become less of a financial burden right now (My account is spotless). I was just exploring all options to help keep the most $$ available to me.

After learning that I was not eligible to refinance because my loan amount was higher than my house was now apparently worth (since they were able to calculate the cheaper houses in the neighborhood selling but missed the more expensive ones), it was offered that I talk to someone about a loan modification that I might qualify for. Okay fine. But instead of transferring me, I was given another 888- number. So I called and sat on hold for 45 minutes only to find out I wasn't even close to qualifying for their "hardship" loan modification. Now, with every person that I talked to I started the conversation by stating that I was calling because I lost my job. Countrywide does not consider losing your job as a hardship, which is apparently the only way to get your loan modified. They said "we can do a hardship assessment once you get a job and maybe help you out with your payment amount then". REALLY? ARE YOU KIDDING ME? I thought not having a job was a pretty good example of the definition of hardship, and I told the representative this. I then asked her whether she had more option the help me if my loan was already in default. She confirmed. She was not amused with my inability to understand how they operate, so said thank you, and hung up on me.

My husband and I are plenty able to pay our mortgage in full each month and on time. I just thought that I would try to be proactive and protect myself from ruining my credit, should it get that bad for us financially and it come to that. Thank you Countrywide for rewarding those who are a burden by not paying and for taking a dump on those of us who continue to be fiscally responsible.

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ccbeach
Long Beach, US
Nov 03, 2009 12:58 pm EST

I have two houses with Countrywide mortgages. I applied in March, 2017 two refinance both loans to a lower interest rate. I was not behind on payments, I did not want money out, my loan-to-debt ratio is fine. I filed the appropriate paperwork, for each mortgage to be at 4.65% . Suddenly, the paperwork was "lost, " the appraisal for one of the houses was "lost, " and therefore my file was not completed on time, and the loan process for both loans was closed. When I complained and said that I wanted to re-open them, I was told that the interest rate was now 5.75%, that my credit score had gone down in the last several months, and I might not even qualify for that. I wanted my $800 back --- representing the $400 up-front fee that they charged me for each loan. They refused. I called, left letters, faxed, emailed -- nothing. Right now I just want my $800 back since they lied to me about the paperwork not being in on time, they lied to me about the appraisal paperwork being "lost" (it turns out, by their own admission, that the appraisal on one of the houses was NEVER EVEN DONE by them) ---- AND...I shouldn't have had to pay the money upfront, over the phone, before the loan process had even officially begun. Please help. My husband has been out of work (he works in the construction industry, which is DEAD), and I can REALLY USE the $800. If I try to refinance, it will NEVER BE WITH COUNTRYWIDE/B of A AGAIN. Thank you.

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Brigisme
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Sep 12, 2008 12:22 am EDT

I was proactive from the very beginning when my family member experienced identity theft last year in October, 2017. I contacted Countrywide and nofified the representatives of my situation, conveyed to them about identity theft, expressed this was the reason for my late payments, and spoke about my securing a loan modification. I continued to contact Countrywide and was told that I could not gain immediate assistance for a loan modification because my home loan was not in foreclosure. I asked if this was the only way to gain immediate assistance and was told yes. In May of 2017, I was contacted by a Countrywide representative. The representative conveyed that I have a fixed rate loan for the next 30 years and payments due were added to the arrear of my loan. I expressed that the value of my home depreciated and asked if my principal could be reduced for my loan. I was told no. She continued to explain that I have a thirty year fixed loan and needed to sign the necessary documents, otherwise Countrywide would proceed with foreclosure. I questioned her because she told me that my interest rate increases every year until 2017. I told her to my understanding, this loan is not a fixed rate loan, however something similar to an adjustable or subprime loan. She told me too bad, sign the documents, there wasn't anything I can do, and just make sure I have everything notarized, and return FedEx. I complied and returned the documents with much hesitation. Since that time, I contacted the President of Countrywide and received the same results. Since that time, I have written letters to government officials. Yesterday, September 1oth, I received a letter from Countrywide about a data breach which means my personal information may be sold, otherwise identity theft. This is the very same thing my family member experienced last year which caused us a delay in mortgage payments. Countrywide has known about the data breach since August, 2017, and I as well as many customers have been notified late. It is sad that Countrywide representatives are very uncooperative in assisting customers, even after Bush signed the law into effect for Countrywide and other mortgage lenders to work with their customers to avoid more foreclosures, yet customers are to accept the late notification about a data breach. In closing, do not expect Countrywide to work with customers with negotiating a loan which match today's property value.

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Daphne M. Calkins
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May 29, 2007 12:00 am EDT

We bought our place 5 years ago and our contract was sold to Countrywide. We tried getting refinancing through them but was denied because someone had removed the HUD tags on the back of manufactured home. When the appraiser came out he told us that if we get an affidavit of a fixture that it should be enough but per Countrywide it wasn't. My question is: If we decide to sell the home our we going to be able to do so or our we going to be denied it because of the tags? Or is this something that is done in Arizona?

Thank you.

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Penny
Colorado Springs, US
Apr 14, 2009 8:46 pm EDT

I was struggling with my ARM mortgage last fall as I was laid off by Bank of America and unable to find employment. I was sent an offer by Countrywide to modify my loan at a much lower interest rate effective September 1, 2017.

I eagerly agreed and accepted the offer. I was then able to keep my home and would hopefully be able to refinance at a later date. Since September 1, 2017, Countrywide had delayed processing the modification (because they are so busy so they say) and because of that they have reported me as being 120 days late in payments. Of course, that is not true and negatively affects my credit rating. However, I have called repeatedly for the past 6 months and have talked with no one that knows what is happening, not interested in even pulling up my information, have been hung up on, argued with, and still haven't been able to find anyone with any authority, responsibility, desire, nor ability to resolve their error.

As a final attempt I have contacted their Office of the President to see if this matter can be resolved. And could I refinance with this type of credit bureau reporting? Absolutely NOT!

I am so frustrated with their Customer Service and what is funny is that I worked for Bank of America as a Customer Service Manager for 7 years and can't believe that this lack of training, lack of authority, lack of customer service abilities, and apathy is acceptable much less pervasive.

Yikes to Countrywide

Penny

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catz814
Oregon, US
Feb 03, 2009 7:39 am EST

I received a letter from Countrywide stating I had to have flood insurance on my property because according to FEMA I was in zone AE (a flood area). I contacted FEMA who had me download their insurance maps. I am clearly in zone X. I called and faxed the FEMA maps with no results except a headache. They totally refuse to acknowledge the maps, even though its the exact same map they said they used for their determination. Their letter also informed me that if I do not get my own flood insurance they will take out flood insurance from my escrow with, surprise, surprise, Countrywide Insurance Company. After almost three weeks of arguing and faxing it looks like this will be going to court.

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btlgwa
Battle Ground, US
Jun 15, 2009 4:29 pm EDT

Below is a timeline of the life of this file. We had originally been told your short sale process was 45 to 90 days. We are now somewhere around day 140 with no end in site.

I faxed the short sale packet to Country Wide on Jan 27th and again on Feb 3rd. I was told that it was uploaded into your system on Feb 1st and that the Short Sale process took any where from 45 to 90 days. On Feb 4th the file was opened and I was told it would take 7 to 10 business days to assign. After several requests for assignment to a negotiator the file was finally assigned on March 6th to a Mark Lewis. I was told he had 15 days to review. On March 13th the file was then re-assigned to a Celia Medrano, and I was also told she had 15 days to review the file. When I called in for a status update on 4/15/09 I was told that they needed updated pay stubs and bank statements. I faxed the requested documents in on 4/20/09. On May 4th I received an email from Cilia asking for updated pay stubs and bank statements because the ones I had sent in at the end of Jan were out of date and for the sellers to fill out and sign a Form 1126. I emailed Celia the requested documents on May 6th. On May 12th (2 months after Celia was assigned the file) our file was assigned to Stacey Johnson a second phase negotiator, I was told she would have 30 days to review the file. I called in today June 15th to get an update on the file and was told that Stacey's work load was to much and she had passed the file to you for review.

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Macy C
, US
Jul 02, 2010 4:06 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

I'm on month 24... giving up, this process is no different than it was on day one when they said it would be 30-45 days... I have tried every method possible and nothing has changed. Filing Bankruptcy and going to move on with my life... wish I would have never bothered with this, I would be two years ahead... don't do a short sale if you are wondering, I have never heard of a good case... still, and I have been listening.

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12:00 am EDT

Bank of America fraud and cheating!

Due to a promised Bonus, that never came through, we had to file chapter 13, from falling behind on our payments. We made regular payments, and were on a payment schedule with them. Then our house caught on fire. The insurance company issued us a check, to pay the contractor. The check had our name on it, and Countrywide too. We were told by Countrywide to sign the check, and they would pay the contractor directly, when the check cleared. The check cleared, and they kept our insurance money. We now are owners of a house, that is UNBELIEVABLE. Its completely gutted inside, and now have no money to do the repairs. I have 3 kids that no longer have a roof over their heads, and have to live with my mother. Thanks Countrywide... Christmas is going to be fun!

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Valerie
Valerie
, US
Sep 16, 2008 3:53 am EDT

On September 6, 2008 we were notified by Countrywide Home Loans that a former employee breached information on many of Countrywide's customers to a third party. My question is WHAT exactly, besides giving us two years free credit monitoring, is Countrywide going to do about this? This can potentially ruin many of Countrywide's customer's lives, and they think that two years of credit monitoring will suffice? The thieves will just be warming up!

Do we, as consumers, after surviving the mortgage crisis, how have to just 'put-up' with this? How would the 'fat-cat' executives at Countrywide like their personal information breached? You spend a lifetime working on your good credit, and good name, only to have it breached, just like that? Where is a company's personal responsibility?

And, why don't we get specific information on who the thief is, & the ongoing investigation. Maybe some of us affected would like to see that these people pay for their crimes. And, what is the District Attorney doing for us? Not just for the state, but for us? Can we get a lawsuit together, so that we can oversee our needs? Certainly, due to this injustice, many of us will pay for this, many years to come. Countrywide, and the District Attorney's office overseeing this case should contact each and every one of us, in writing, expressing our rights... not just giving us two measley years credit monitoring. As our District Attorney, we DEMAND that you send us information on our rights. Where is your responsibility to us? We should band-together, because who knows who now has YOUR personal information, and WHAT they will do with it. We should be compensated for this breach of trust!

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Thomas
, US
Mar 20, 2009 5:51 am EDT

My husband & I bought our home in 2005, right at the Real Estate's all time high. This was are first home together, and the foundation of which we would build our family. (We have 3 biological and 2 foster children)

When Countrywide financed our home they set us up on a 'NEG-AM' loan, which you pay a minimum monthly payment and the Negative balance goes on the back end of your loan. They assured us that we would be able to refinance our loan in 6 months and get a 30 yr fixed. However, this was not the case. After six months we tried to re-fi. Our home already had depreciated 15, 000. We decided that since we could afford to make our minimum payments that we would continue on, in hopes that the housing market would go back up. HAHA... IT only got worse.

In July of 2008, after never missing a payment, I contacted Countrywide to ask about a loan modification. They asked questions and we began the process. They said they would call us in 3 to 5 working days with an answer. That never happened. I called back about a week later and spoke to someone in India. I explained the situation and they said they never received any information about the first call I had made. Once again We started the process again. I called back about a week after faxing all documents to them and The representative told me that they could not help us because we had never missed a payment. She also stated that we do not make enough money to afford our home.

In October 2008, I received a fedex letter from Countrywide. This was the answer to my Prayers. SO I THOUGHT. I opened the docs and read very carefully. It was an interest modification until 2015. My new rate was now to be 4.25% instead of 6.25. This would bandaid the problem temporarily. Here is the catch- it states ' Please be advised that your monthly payment WILL increase significantly when the interest-only term expires and you are required to make principal and interest payments for the remaining term of the loan.' This is known as a 'SHOCK' loan.

At the end of October, I sent Countrywide another HARDSHIP letter along with financial statements, certified mail. I told them in my letter that I appreciated their offer, however in no shape or form would that help us. Once again, I am fighting the fight and not giving in. I followed up on that and guess what? We don't qualify. How is that so? They said they already gave us help, which we denied the offer. At this point, I had intentionally missed 3 months payments, assuming this was the only way they would help. They also advised my husband not pay our credit card companies.

Febuary 2009 rolls around and Countrywide Collections calls for the mortgage payment. We explain the situation to the lady and she asked if we want to try again? OK, sure-why not! I get all the info together once more and fax it to the Home Retention Department. I called back about 4 days later and The lady says they never received the fax. She assured me that she would note my file that I would re-fax the paper work (so they don't close the case) and gave me by the end of the working day to do so. So I did. I felt HOPEFUL with the BAILOUT President Obama had just passed.

On March 17, 2009 the Home Retention Department called my husband. The Man he spoke with told him that we do not qualify and there was nothing more they could do for us. They referred us to the HUD counseling agency.

I am dumbfounded by what Countrywide is doing to millions of Americans. They tell us that they can not help us because we have not missed payments, so we do (which severely damaged My credit- now cant get a loan even if I tried) and then they Turn us down. They constantly play mind games with you. Nobody at Countrywide has a clue about what the hell they're doing. They are a cold & deceptive Company and they should be done away with forever. I feel like anyone who is in the same predicament as Myself, should join forces to take these ### down. They Are a Company that destroys families and they should be punished! PLEASE HELP WITH THE FIGHT!

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cohenml
Hudson, US
Apr 16, 2009 8:18 pm EDT

The exact same thing has happened to my husband and I. Now I can't refinace with anyone because they told me to miss payments then declined me for a modification They suggested a refi except now I can't refi because I have missed payments.

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Shirley White
,
Oct 05, 2008 8:16 pm EDT

I received the very upsetting letter dated 9/6/08 I called the numbergiven in the letter 9/14/08 to get my credit reports I have yet to recieve anything this person ask for my ss number which I gave her even though I didn't think it was a good idea to do so she said she had to have it!

I went on line and the only way I can get reports is to give my credit card number no way this is suppose to be free for two years which I think is very unfair it should be for the rest of my life.

The person who stole my ID can use it forever or wait two years and than start I have to worry about this for ever. I go to bed thinking about this and get up thinking about it.

I have a friend who the same thing happen to with countrywide and she is dying with cancer now she has this to worry about.

We need more compensation that two free years if infact we ever get this.

I will have to get on the phone again and be put on hold and try to get someting done all over again . Something must be done other than what you are doing!

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Lisa Johnson
,
Oct 05, 2008 7:59 pm EDT

I fell behind on my mortgage payments with Countrywide back in November of 2007. I called them and we were directed to work with a negotiator to get our payment caught back up. We were three months behind. We worked our the arrangements with our negotiator and set up a repayment plan. We send them $2000.00 the next day and then three days later they filed for foreclosure on us. We called Countrywide and they told us then that our negotiations didn't go through. Even after they told us it was approved and to send them that specific dollar amount. They still through us in foreclosure. Now...not only did we have to finish trying to catch up, but we were also informed that we had over $1000.00 worth of attorney fees on our account. It seems to me that their Attorney and Countrywide had some elaborate scheme to screw people this way. Make out arrangements...get them to send in some money...file for foreclosure...get lots of money for our attorneys! WOW! We went into a special forebarance...that's what it was! Great Scam on their part! So, we had to pay x amount of dollars for x amount of months to get caught up. Which we are doing...but now as we struggle to get caught up...we are indebted to them for over $1000.00 in Attorney fees? WTH!

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Amparo Canizales Whitesel
,
Jan 13, 2008 7:02 pm EST

I was a victim of predatory lending. A man by the name of Jonathan Marshall from Scotsdale, Arizona, contacted me to refinance three homes. He roped me into a no win situation with six loans. I desperately needed money to set up a business because I was very ill with fibromayalgia, my husband divorced me because he needed a healthy playmate. He took all the cash and left me three properties. I could not work so I was living from credit cards, they got maxed and I needed cash to pay them. This man was determined to make a hefty commission and get six loans from me. He promised to help me out because of my situation and he put me into six loans, lied on the applications. He did not even give me a decent copy of the documents, especially the part where he lied to rope me into the loans. He send a notary on wheels who told me that a copy of the documents were on their way and that I had to sign quickly because he was taking care of a very sick wife and he had to be home at a certain time to give her her meds. I signed and found out until later, how much this guy lied. I was afraid that they might think that I was a part of this so I did not turn him in. I was not thinking straight and grateful that I could pay off my credit cards. They did it once again. I signed a deed in lieu of foreclosure. They supposedly were helping me out. NOT! They created a sense of urgency that I needed to sign this warranty deed immediately. They overnighted me the documents and even were "nice enough" to enclose a prepaid overnight fed ex envelope. I was in such a financial hardship that I had to move in with a relative because of my health and could not even afford gas for my car let alone an attorney to look over the documents. They did a lot of double talk. The first part was like the standard warranty deed but I come to find out after a friend looked it over that they can come after me for the loan. They now have the house and I still am responsible to repay the loan. Is anybody out there that can look over this document for me ? I am ready to jump in on a class action lawsuit but I have no clue how to start one. I have no money. Countrywide is still harrassing me about payments. Now a bad guy is going to bail out another bad guy. How can this be possible? Amparo.

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Going crazy
,
Sep 30, 2007 10:03 am EDT

I know how you feel ! they started foreclosing on my house when they never once brought it to my attention that I was behind on my payment. Which to make along story short I panicked and filed chapter 13 to keep my home! And get this even tho i am in chapter 13 they tried to do it again! say that I was behind in my payment's but this time I kept record's of every check number! And had proof and a lawyer! I really wish that someone would do something about them!

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matt
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Aug 14, 2007 11:03 am EDT

Countrywide home loans is a horrible company... my mom and i live in the house i grew up in... my mother is a single parent... we missed a couple of payments and countrywide told us pay us 2000 dollars for 6 months and they would modify the loan... totally garbage they took the money didn't apply any of it to the principal... and now their saying pay us 15,000 or we will take the house or pay us 4500 dollars a month for 8 months countrywide deserves to be sued...

ComplaintsBoard
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12:00 am EDT

Bank of America check cashing

Went to B/A in Las Vegas, Nevada located on Martin Luther King and Washington Boulevard August 3, 2007 to cash a Credit Card Check which my fiance had given to me for $175.00. when I got to the window the male clerk took my driver license which had the exact same information (address) as printed on the check, he verified the funds then came back to the window and said he couldn't cash the check because my drivers license was not 30 days old. So then I showed him my employee cards, which are all dated and had my picture on them (Sheriff card, Alcohol Permit, Health and Tam Card he said he could accept these. I had a change of address he said he had no way of verifing that and this is bank policy. I asked to speak with the supervisor she also agreed that I could cash the check even though the funds were available unless I had a military identification card or passport, she went on to say that this is Bank of America policy. So then I went to another Bank of America they said because it did not have the Bank of America on the check they could not cash it (Rancho Drive and Craig Road), I said well the other said they could cash because my drivers license was not 30 days old. I called the call center, one person said that is not true about the drivers license and then another said it was true, that what they wanted was for me to open an account and deposit the funds into the bank. The reason I went there was because I needed the funds immediately or I would have deposited it into my account. What happens when someone wants to open, withdrawal funds they are new in the state and they don't have a military or passport how do they get their money? When their drivers' license is not 30 days old? Yet each person said that each Bank of America has their own policies as to the acceptance of check cashing, to me this is unacceptable. Bank of America is Bank of America, their policy and procedure are based on however each bank wants to do? It showed me that there is no uniformity within their system of banking.

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goblue5891
Blue Springs, US
Jul 30, 2010 5:31 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

My 16 year old son got his first job and was paid via a check written on a Bank of America account. He went into branch and was charged $6 to cash a check written on BofA's own bank!

Talk about gouging! The bank took no risk on cashing the check because they knew the account had funds in it. It was written on their own account holder! Then to charge what amounted to a 12% interest to cash their own check!

Explanation given was that this was "their policy". Secondly, they didn't look at his age. I pointed out they sure looked at his ID and fingerprint! What ###!

How do they sleep at night?

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SIOUXSYSIOUX
, US
Sep 14, 2013 5:15 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

For years I have been cashing checks that people have given me at their bank with no problem whatsoever. Recently I was paid by check from an idividual business account written on the Bank of America.
So I go to the Bank of America in Scotts Valley to cash it.

First the teller, Meredith, tells me to endorse the check and then asks for identification, a driver's license. At which point she informs me that being I do not have an account with the bank there is a $5 service charge. I asked to have the fee waived and was told I would have speak with the bank manager and wait 15-20 minutes before doing so, after she was done with another customer!
The bank manager lectured me the same in a abstruse demeanor and rudely insisting that my "only choice was to pay the $5 fee or negotiate with YOUR bank."
"You are holding up the line for other customers."
I told her that I understood and that the person that wrote the check must be paying a fee for the account and that I didn't care to negotiate with MY bank for whom this transaction has nothing to do with. The check says "Pay To The Order Of" and
that I just wanted to be paid without incurring some fee. I am a customer and wanted to get paid.
So the bank manager and your teller associate denied serving me and I had to leave, without my money.

I have had problems with Bank of America before because of so many fees. Nobody needs to be upset and act so arrogant as I was treated over $5. I can not believe a bank will not honor the checks that are written on their own
bank without charging people a fee. With all of BOA's bad debts and their business practices I do not know how you
ever stay in business unless the federal reserve is bailing you out?

It is illegal for an employer in California to Issue a paycheck that can't be cashed without paying a fee. If I sue, the employer must pay all of the fees that have been charged plus penalties and lawyer fees. So if I sue my employer, after they loose, they will no doubt close this account with BOA.

If enough people sue employers that use BOA. they may change their extortionist ways. Check out Cal LABOR CODE DIV 2 SECTION 212.

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anyoneandeveryone
, US
Apr 06, 2011 1:17 am EDT

Bank Of America also charges fees to non customers who have a employer that pays with a Bank Of America account drawn check... They said we will waive the fee if you open a account with us and deposit money into it... I refuse to open a account with a bank that charges a fee to cash it's own checks, checks that are not personal checks. How dare they?

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About Bank of America

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

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

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

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

Overall, Bank of America is a trusted and reliable financial institution that has been serving customers for over a century. With its commitment to innovation, technology, and customer service, the bank is well-positioned to continue to meet the evolving needs of its customers for many years to come.
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2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

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

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

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Overview of Bank of America complaint handling

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

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    Credit Card Issues
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  3. Bank of America emails
  4. Bank of America address
    100 N Tryon St., Charlotte, New York, 28255, United States
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    Checked and verified by Janet This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Jun 13, 2024
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