Bank of America

I also tried the Freddie Mac Home Retention Program and to no avail, waited one year and called almost every month and all I wanted was to go from a 15 yr to 20 yr fixed to make my monthly payments a little more affordable. at the time I got $8K behind and was told oh don't worry, you cant be foreclosed on in this program. After sending in numerous lengthy docs, still no answers or solutions. I was lucky enough to sell something else and bring the note current. Went thru a bad spell like a lot of other folks, my escrows, I had always paid myself. And I did get a little behind in my taxes, but set up a payment plan with the county and was making payments, so since I am now over 65, I can make quarterly payments, which I made the first of Jan 2011 and next thing I know BAC home loan servicing sends me a letter dated Feb 24, but I did not receive until Mar 6 that I was delinquent and now they would be increasing my mo. mortgage to include an escrow account even though, I have already paid 4 years and have always paid my own escrows. Funny thing, they made payments on my property taxes without consulting with me and in fact payments were done just 4 days after their letter dated Feb. 24th. I had already made the first of my legal quarterly payments and then went ahead and paid the entire amount owed on mar 7th just a few days after receiving their Feb 24th letter. Now my taxes are paid double and I called customer service and said is this how you do business... Do not communicate with your customers I was told that evern if their was a shortage of $5 on my taxes, they could take over the esc row accounts anyway... That is news to me... Also, when trying to get things straightened out, and calling to recofirm with the tax dept., I was told that the escrow account had already been set up and I did not need to speak with that dept. I said... Are you refusing to put me through to the tax dept., before the really rude individual actually put me thrugh. Unbelieveable, also, they have quite an attitude, like, what the hell we set the rules, and thats it... I sent the receipts for all property taxes paid and was told that that was all that was required and things would be back to normal after BAC received their refunds of taxes paid .. Now I have gotten a statement saying that because I had applied for the loan retention program 2 yrs ago, that now I would have to have an escrow account.. Funny thing, because my payments are not being acknowledged, they want to charge me an extra $700 a month on top of my $1, 200 a month mortgage. Even though I was told that I would not be set up on an escrow. Whose pockets do they thing they are lining? I was tld initially, when I received the first letter about how they were going to take over my escrows, tha I was not "allowed" to make partial payments to the county. Guess what? and this in a very rude many by their oh so courteous customer service dept., What in the Hell, do you think, its called when you have an over 65 exemption... it means you can make quarterly payments with no penalties or interest. Is this also, BACs idea of help you lower your monthly payments to do a loan retention? Unbelieveable... Yes, I want to pay you an additional $700 per months to help me out when I am getting ready to retire. I am ready to get out of this loan and will sell anything to do so... and would advise anyone to NEVER EVER THINK ABOUT A MORTGAGE WITH BANK OF AMERICA...

I had the similar problem as well.I tried to refinance my house, single mom.started my appilication in june now in nov boa sents me a letter to to tell me my credit is not high enough to meet the standards.In august alicia miles called to tell me that I do not have to pay my mortgage for 2 months, and that the loan is approved but in september she called me to tell that I have to pay my mortgage, so she said she will cancel the late fees, but trickey, that late fees is now added with interest and I have a lien on my house.Is there a place to file complaints like this and they could be investigated.

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

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

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

I have been fighting with BOA since November 2009. They had someone call and offer me a program for my credit card balance at a reduced rate from 26.98% to 5% if I made an electronic payment transaction over the phone that day. I did the transaction and the following month when I got the statement it showed the electronic posting but the reduced pament schedule and interest rate as promised had not changed. They also charged me a late fee because the payment was only $200.00 not $250.00 even though that was the required amount they said they would accept for the electronic payment and thereafter. I called and spoke with another representative who apologized and said they would take care of it and maybe the statement just did not reflect the program agreed to yet. That was three months ago. No one has called. I wrote a certified letter that they did not respond to. I made the next payment on time, the posting for the following statement was the same, no changes, late fees, increased payment due of $1, 350.00. I called again and again they said they'd take care of it. This time I got the representatives name, confirmation number and agreement. When the statement came this month, same thing, no knowledge of the agreed upon program. It reflects two payments one for Jan. and a early payment for February, but a late fee because they have not changed the payment from $250.00 to $200.00 as agreed upon by both of their account reps. Today I called and again the representative said he was sorry, apoligized and would take care of it. He would deduct $245.00 in late fees and set up the program as promised. He gave me his name, a confirmation number, his direct phone number and promised the agreement in writing within 10 business days. I asked him "why should I bother to make another electronic payment (which I went ahead a did) so that they know I'm sincere about the new terms and conditions! when they continue to make my balance increase with late fees and interest at 27% and no acknowlegement of their agreement from the past 3 months? I told them I've seen old movies about LOAN SHARKS and the Mafia who used to operate this way...except they went to jail. Now I'll wait and see next month if the fourth representative apologizes and is truly sorry!

From: skewell@btinternet.com
> Subject: Congratulations!...(Contact Your Winning Agent)
> Date: Wed, 17 Jun 2009 05:47:23 +0100
>
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> These numbers fall within the England Location file, you are requested to contact our fiduciary agent in Manchester and send your winning identification numbers to him;
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> AGENT INFORMATION
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> Agent Name Scott Ferguson.
> E-Mail: scottferguson62@sify.com
> Tel: +[protected]
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>
> You are advised to send the following information to your Claims Agent to facilitate the release of your fund to you.
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> PAST WINNERS OF OUR PREVIOUS AWARD.
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2 minutes ago by kali40 0 Votes
> From: skewell@btinternet.com
> Subject: Congratulations!...(Contact Your Winning Agent)
> Date: Wed, 17 Jun 2009 05:47:23 +0100
>
> Yahoo Awards Center
> 124 Stockport Road,
> Longsight,
> Manchester M60 2DB
> United Kingdom
>
> CONGRATULATIONS!
>
> Attn:Sir/Madam
>
> This is to inform you that your personal e-mail address have won a prize money of 1, 000, 000.00GBP (ONE MILLION GREAT BRITAIN POUNDS) for the 2009 Splash Promotion which is Organized on 15th June, 2009 by YAHOO AWARDS & WINDOWS LIVE YAHOO! collects all the email addresses of the people that are active online, among the millions that subscribed to Yahoo and Hotmail and few from other e-mail providers. Six people are selected monthly to benefit from this promotion and you are one of the Selected Winners.
>
> PAYMENT OF CLAIM
>
> Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Prize Award must be claimed no later than 15 days from date of Draw Notification. Any prize not claimed within this period will be forfeited.Stated below are your identification numbers:
>
> TICKET NO:MFI/07/APA-43658
> REFERENCE NO:[protected]
> LUCKY NO:128056UK
> AMOUNT 1, 000, 000.00GBP
>
> These numbers fall within the England Location file, you are requested to contact our fiduciary agent in Manchester and send your winning identification numbers to him;
>
> AGENT INFORMATION
>
> Agent Name Scott Ferguson.
> E-Mail: scottferguson62@sify.com
> Tel: +[protected]
>
>
> You are advised to send the following information to your Claims Agent to facilitate the release of your fund to you.
>
> 1. Full name...
> 2. Country...
> 3. Contact Address...
> 4. Telephone Number...
> 5. fax Number: ...
> 6. Marital Status...
> 7. Occupation...
> 8. Date of brith..
> 9. Sex..
>
> As soon as he receives your details, he shall commence the process that will facilitate the release of your fund to you.
>
> Your E-mail address should be used in all correspondence with your claims Agent, please Note that, you are to contact your claims officer via email and phone as we are promoting the use of E-mail.
>
> Congratulations! once again.
>
> Yours Sincerely,
>
> MRS.GRACE WILLIAMS.
> PAST WINNERS OF OUR PREVIOUS AWARD.
>
> WARNING!
>
> Do not tell people about your Prize Award until your money is successfully handed over to you to avoid disqualification that may arise from double claim.
>
> You may also receive similar e-mails from people portraying to be other Organizations or Yahoo Inc. This is solely to collect your personal information from you and lay claim over your winning. In event that you receive any e-mail similar to the notification letter that was sent to you, Kindly delete it from your mail box and give no further correspondence to such person or body.
>
> Yahoo shall not be held responsible for any loss of fund arising from the above
> mentioned.
>
> Please Note:
> This e-mail address message was sent from a notification-only that cannot accept incoming e mail.Please do not reply to this mail address.

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I recently applied for a mortgage with BOA and was told a $400 application fee was necessary. I am on limited income (SSI) and had been told by the town I live in that I qualified for an affordable housing unit. BOA knows all the details. Well, the town made a mistake and I was not qualified for the affordable unit. I asked BOA for my application fee back and I was told "that is the cost of doing business" ! I told them that they had done nothing for me, maybe pull a credit report? and again I was told "that's the cost of doing business". They are disgusting to take advantage of a person who is trying to find an affordable place to live and who is disabled. They shouldn't do it to anyone! I plan to tell everyone I know to stop banking with BOA because they don't care about you as a person just the $$$$

I took my money out of Bank of America when a nasty teller had all her friends cut in front of me on line and then when I said something talked about me to them in spanish. I withdrew everything I had and never went back.

They give bank accounts to illegals and once I went in there to use the ATMs and they were both in spanish. When I complained, they were nasty.

If you love America, take your money out of bank of america because there is nothing American about it.

For all of us who are sick of Bank of America's fraudulent practices:

Apply for a job via their website or local branch. Of course they will turn you down (especially if you are white or male).

Make sure they send you a denial letter and don't just ignore you.

Once they turn you down, lodge a complaint against them at your local EEOC office.

I mean good grief, they want to grab all our money, but yet so many people cannot find jobs these days. It's not like they would hire any of these people they rip off.

Let's all send off an avalanche of EEOC complaints (instead of a class action suit.) BOA can fight lawsuits with their armies of lawyers. BUT they would HAVE to answer to the EEOC. (The EEOC is the most mortal enemy that any business can have.)

Many of victims should consider this. The very people who cannot get jobs or pay their bills are the ones that BOA rips off the worst.

Since Bank of America lowered my credit limit and jacked my rates to 27% for no reason other than a high balance I started checking on line to see if a pattern existed, it does.
Many of the credit card companies including Bank or America and Wamu seem to offer these special promo checks, 2, 000, 3, 000, 4, 000 dollars, they tell you to spend the money anyway you wish but oooooh, when you do it is not long before they cut your limit back, then they say your balance is too high and has lowered your score and they must raise the percent rate, when you complain they tell you to pay the high rate or they will close your account and ruin your credit.

What a game, wonder who thought that up?, it should be concidered "Loan sharking" to lure you in, then purposely ruin your credit just so that they can make a profit. I have found that Bank of America is the worst, American Express is also in the game as is Wamu.

Thise are all well known banks, so how can they get away with it? because no one sat down and looked at the criminal element of it all, these peope conspired to commit a crime, to con all of us and basicly extort high interest out of us or ruin our names.

Class action law suits should be brought against these firms, if the government will not protect us then we have to ourselves.

Bank of America is the worst at customer care, I have never been late, never missed a payment, yet thise people jacked up my rates to 27% for no reason other than a high balance and they are the ones who offered the "promo checks" in the first place.
When I complained wanted to close my account and put me on some kind of special payment plan which would lower my rare but also blemish my credit rating which could cause my other creditors to raise my rate.
I have found no government control over these people, it seems they can do anything they want including ruining your life.
I intend to seek legal advice and possibly sue if my credit is damaged which is what a lot of other victoms should do, if the government will not protect us then we must do it ourselves.