Bank of Americabank of america is the very worst one to deal with

Bank of america promised me a settlement on my account. The account was mishandled and they never even came close to settleing with me as promised. Everything they told me never happened and was a complete lie. I have worked with several credit card companies, but bank of america is the very worst one to deal with. They are not trueful, and they could care less about their customers. They do not work with individuals with disabilities. Do not consider opening a bank of america credit card! There are many good companies like chase, discover, & capital one. The very best being chase! They will work with you and be kind. They will lower interest rates. They will not lie like bank of america and ken lewis.

Responses

  • Valerie Dec 01, 2006

    Once again I realize why I don't deal with this bank.

    Today I tried to deposit my gf's paycheck for her into her checking. They must not want her money since they were too lazy to look up her account number for me to do this. You'd think with 5 people sitting doing nothing someone would want to at least do something.

    Just another reason to stay away from this bank. One of the many reasons I cleared out my accounts years ago and left.

    0 Votes
  • Lu
    Lumpy Dec 13, 2006
    This comment was posted by
    a verified customer
    Verified customer

    I recently received a loan application in which my mortgage officer entered the wrong mortgage amount. When i tried to follow up with a phone call, the 1-800 number i was given forced me to choose an extension, which was not given to me. Then when i tried to contact via internet with 1-888 number being advertised for service until 11pm i get a message saying to call back during business hours. Interestingly it was extremely difficult for me to find an email address to send my complaints to on the bank's web site. Either update your site or update your service, cause you suck bank of america.

    0 Votes
  • Lu
    Lumpy Dec 15, 2006
    This comment was posted by
    a verified customer
    Verified customer

    I tried to resolve a problem with Bank of America with overdrafts. I tried to set up my overdraft protection once when i opened the account and twice after that on the third time they finally set it up. during the previous two times i tried to set it up i got screwed out of money. The reason I overdrafted so much was because they put credits before debit. so the money you spend is taken out before the your money is put in. also know as screw you over. I was under the false pretense that i had protection and the funds were there. When I realized the funds were not there i put the funds in and i still got the overdraft fee. Bank of america will not work with me to resolve the problem and I am very unhappy. I have made 6 phone calls and gone to a branch. No one is willing to help. My suggestion Use commerce bank or another bank that is focused on your satisfaction instead of the banks. All I want is the overdrafts refunded to my account.

    0 Votes
  • Mi
    Michael Stewart Dec 19, 2006

    I'm writing to make a complaint about the banking tactics of this said "Bank of America". I'm actually making the complaint for my girlfriend. My girlfriend applied for a Bank of American Credit card and was granted a $6,000 limit. She was on time with her payments and paid ahead sometimes. All of the sudden they decided to cut her limit to $3,000 which showed to be a mark on her credit. She didn't want to keep the card so she was able to get credit with another bank and pay off the card nearly off. After paying almost $3,000 against the card, they so graciously gave her a limit of $600.00. My girlfriends credit is excellent and pays her bills on time, but this goes against her credit but they still get their money. Is this called BANKING? Well, it's too bad if it is. I call it almost stealing. My girlfriend had this card in case of an emergency, but I don't guess you can trust the banking industry anymore.

    0 Votes
  • Valerie Jan 17, 2007

    In March I had a severe car accident and I was unable to work for almost 8 months. I lost 100k in income and was using my credit cards in order to keep my home and credit standing good. I have two mortgages, a checking account and three credit cards with Bank Of America. I use the online services through Bank Of America and I noticed that my credit card interest rate went up to 32.9%. I was overwhelmed when I saw this as I am just starting to make money again at work and trying to payoff the debt that accrued when I was unable to earn money. I am a straight commission employee so I did not get paid a penny while I was in the hospital and home recovering from a hit and run car accident. I called Bank Of America and apparently if you go over your credit limit two times in a certain period of time your account will default to an interest rate of 32.9%. This is almost 12k per year of interest on a credit card with a balance of 30k. The woman I spoke to Katherine Wendt at Bank of America told me that I should go into a debt consolidation program and then consider bankruptcy. I am not sure who gave her the right to consult me about my finances. I was then quite irritated by her remark as I do not feel that it was the appropriate answer to give someone in a hardship. I have been a loyal customer for about 16 years with Bank Of America. After speaking to Katherine Wendt I hung up the phone. I then decided to call back and speak to her supervisor. I found out when I called back that Katherine Wendt closed all of my credit accounts with Bank of America out of spite. I told her that my intent was to pay the cards off in two weeks with a loan from my family and I wanted to see if my interest rate would go back to normal. Instead of having anyone assist me everyone said that they could not help me and that I could just pay my accounts down and once I brought them to a reasonable level they would consider reopening the account after pulling my credit again and that the rate would remain 32.9%. I think that there is something to be said about this company. They do not have any personal treatment or any compassion to clients in a hardship. I was treated very unfairly. This one person affected my finances with a click of a button. I am not sure who has a credit card or any other account with Bank Of America but be warned if you are one day late or go over your limit twice you will be put into a rate that is absolutely to high to ever pay off. I think if credit card companies want to avoid having customers go into default then they should be more understanding of their customers needs. Especially when you should want to keep your loyal customers. I am sure if I had a million dollars in my checking account they would have behaved differently towards me. Be aware and be careful when using Bank Of America for any of your credit needs. They have horrible customer service and terrible client relations.

    0 Votes
  • Valerie Jan 30, 2007

    I have been having the problem of bank of america since 9.2006/ when i had called and asked for a forbearance on our loan because of me going through some medical issues(lump in breast) and my husband who injured himself at work and was of for almost 4 weeks, let alone we have a house payment and 4 children to support.

    we had never had any problems before this i was told to write a letter in regards to why i wanted the forberance so i did, i was also told to back date it as of 8.1.06, and i sent it out the same day. they told me that they would send me a claim form because i had no fax machine. i never received the claim form so in the end of oct-beginning of nov made a cash payment in the branch in marysville, and never heard anything never had any messages.... so dec 5th,2006 comes rolling around and there is a repo guy parked in back of my van while i had just got a job offer and started on the 10th,, my children where crying i was crying the repo guy said the he had the order and that if i called them the next day that i would be able to work it out and get my van back so i did i called at 8:00 am the next morning and they absolutely treated me like a piece of garbage...... then the fun really began i talked to a friend of mine who is a paralegal and she was dealing with them,,, they told her that we had to notarize a letter so they could tatk to her, so we did the same night.. then they would not return her calls or just leave her on hold... then she talked to the repo department..who stated that they had to hire a private investigator because we did not give them our current address,,, but they had been sending me bills for the last year at our address.... also that we were hiding from them and some other slandering remarks....so i need some help any kind of help...

    I work 45 minutes north of marysville, and my husband works in west sacramento, so with only 1 vehicle we are doing what we can but i dont know what to do if me or my husband loses there job, also having 4 children who attend daycare, we need our van back as soon as possible and they are being totally impossible to deal with.

    0 Votes
  • Valerie Feb 01, 2007

    BOA is absolutely the worst bank that I have ever dealt with. They are in the business of making money by squeezing the most possible fees out of their customers. Their customer service personnel are like automated machines reading from a script which only benefits them. Their policy of honoring the item of highest amount allows them to get away with charging customers with unnecessary overdraft fees. I beg you, DO NOT DO BUSINESS WITH THIS BANK!

    0 Votes
  • Jo
    Joe gioeli Feb 07, 2007
    This comment was posted by
    a verified customer
    Verified customer

    A B of A employee forged a visa merchant application and caused my business to go under. Plus they held over 400k in a reserve account and have not release 1 single penny in almost 1 year...all without statements, return of my calls or any correspondence at all.

    Wow!

    0 Votes
  • Valerie Feb 09, 2007

    In January 2007,I paid the total balance due on a Visa Card. When the next statement came, I expected to see a zero balance. It seems that unless one calls for a payoff amount, according to the first response I got from Customer Service, interest continues to accrue from date of statement to date of payment. In my first E-mail, I politely requested, that as a long time customer (35 years), that the interest of $128.39 be reversed. The statements do NOT state in a clear, visible place that a customer must call for a payoff. I was denied the request and was advised to call the next time. I sent another E-mail, still polite but much stronger, that for client satisfaction purposes, they reconsider my request. I know that budgeted programs exist at Bank of America to grant such requests. I suggested that a supervisor review the request as it is not unreasonable and does not violate any laws. I also pointed out that "policy" is flexible and supervisors are given established authorities to grant these requests. I also noted that the practice to accrue interest in this way, cardholders are put in the position of a vicious cycle - unable to payoff the card. Again I was denied because the "the policy for finance charge assessment was disclosed in the terms of agreement". This is true that disclosure is sent, as it is with any type of bank account. Disclosures outline Non sufficient funds fees, service charges, returned check fees, etc, etc, etc. But, as a former bank operations officer, I had the authority to waive and/or reverse these disclosed fees/charges for errors or customer satisfaction. Hiding behind "disclosure" is not a proper way to assess a situation or keep customers happy. I may not have alot of money with the bank, but all of my accounts (2 personal checking, one savings, a credit line, 3 Visa accounts, joint tenant with my mother on a 3rd checking, and various car/home loans in the past) and a long relationship should count for something. I did indicate that I would contact the FTC, ABA, and consumer agencies, which I will still do, but I thought of your service. Hopefully this will start an awareness of these banking practices and get the message to my bank that I am serious about this issue and highly indignant about their lack of responsiveness.

    1 Votes
  • Valerie Feb 12, 2007

    Bank of America recently changed the look of their monthly credit card statements to resemble junk mail so that some of us throw it out and get a late pay. They appear to be looking to collect late fee payments and to hit you with their "DEFAULT" interest rate. They no longer put their name on the outside of the envelope and increased the envelopes size to make it look like junk mail. I'm writing to warn others to watch carefully for their statements.

    1 Votes
  • Valerie Feb 16, 2007

    I had MBNA card for over 10 years and as far as I know had always made timely payments. One day, recently, when I wanted to get another card, I was turned down because Experian, the credit bureau, is reporting I was late about six years ago for this card on either "one occasion for 90 days" or "three occasions, 30, 60, and then 90 days" depending on who is asked.

    I do not recall this happening and highly doubt it so I contacted them for more information, and said I was disputing the claim unless I could be provided with more information. I was sent a letter saying that was on their records. Well, then Experian "updated" my account to say I disputed it, but also wrote that Bank of America MBNA said it was "valid" therefore it won't have to be removed. How can they say it's valid if they have no records from back then? I am certain it is an error but what can be done? I could see missing one payment but not three in a row unless I was in a hospital, which I was not. It is affecting my credit worthiness. These reports carry over for seven years and people can makes human errors, so how does one prove that, if we do not keep records for seven years and they can't or won't provide them? I was totally unaware of this entry as I had not applied for a new card until now. I am wondering if this is done to have an excuse to justify higher interest rates for customers or what? By the way, I believe these interst rates are akin to "legal" usury and that is why debt is on the rise and savings are falling. Just my opinion.

    1 Votes
  • Valerie Feb 16, 2007

    I wire transferred over $5000 to an account holder at BOA for the purchase of a watch. I learned that the account holder was a fraud and had scammed other people.

    I had my bank call them immediately to return the wire transfer. They put it in hold for 24 hours and said even though you say this guy is a crook and he is committing a felony by by taking your money, we WILL NOT RETURN IT TO YOU WITHOUT THE CROOKS PERMISSION! Needless to say I'm out the $5000 and the bank won't even take my calls. I spent over an hour on the phone trying to reach someone, but was transferred around until I got back to where I started. Apparently, no one at BOA cares if one of their account holders is defrauding people and laundering money through their bank.This is in direct conflict with their own statement on fraud and abuse and terrorism. This "customer" of theirs resides in Russia and has apparently been aided in his efforts by BOAs unwillingness to stop the FRAUD.

    My own bank went out of their way to try and help me but BOA kept putting up roadblocks.

    Now Bank of America is courting illegal aliens for their credit card business. I bet we all get to pay for that one. If I were a stock holder, I would sell and buy a solid bank like M&I or Wells Fargo. If anyone wants to check this out, try calling customer service and you will get a royal run around. BOYCOTT BOA

    0 Votes
  • Ka
    Karl Wolff Feb 26, 2007
    This comment was posted by
    a verified customer
    Verified customer

    I've done my best to stop purchasing items via BOA. I've had an account with them for a while, back when they were MBNA. Now I'm climbing out of debt. The high credit limits were good when I was an unpaid intern, but now I am paying for it, one month at a time. Once it is paid off (ahh, what an ideal), my business with them will cease. I'm doing most of my purchases via a personal bank card. That has helped a lot and let me rein in my bad spending habits (BOA isn't completely to blame on my account, but they were a insidious enabler).

    Also, FYI: Credit card companies inhabit the real world in places like Wilmington, Delaware. They occupy smaller states and take over their economies. They are instrumental in getting people like Senator Joe Lieberman re-elected. They are, in a small way, responsible for the bloodshed in Iraq and other foreign policy fiascos. Follow the money! They have yours and here is what they do with it. Elect spineless feebs like Lieberman who rubber stamps the policies of the Bush administration. (Campaign contributions from more than oil companies, Halliburton and the bin Laden family.)

    Okay, a little off-topic, but not by much. BOA has blood on its hands, paid for by the people they are ripping off. Their usurious practices are criminal and depraved.

    0 Votes
  • Jr
    J. R. Mar 26, 2007
    This comment was posted by
    a verified customer
    Verified customer

    I have been a customer of Bank of America for the past 17 years and haven't had any major problems. Well now I do! I am not a US citizen/resident so I don't have to pay taxes on my money in the bank. Now they have suddenly started deducting federal taxes! I don't even live in the US. I opened the account when I was a college student and didn't close it. I thought it would be good to have whenever I came to the US to visit.

    I have been complaining since the past 2 months and each time they reply my online complaint saying that the necessary forms I need to fill have been sent. I have yet to see those forms.

    Bank of America employs incompetent, incapable, lazy people who can't do a simple task. They keep replying my emails with the same, redundant, meaningless responses.

    I will simply close my account. I just fed up already!

    0 Votes
  • Mi
    Michael Glenn Apr 07, 2007
    This comment was posted by
    a verified customer
    Verified customer

    I deposited company (ADP) check for $100 via the Bank of America ATM , but the check had never been credited to my account.

    I contacted BOA conflict resolution center, but they did not want to cooperate insisting that the check had never been deposited. After talking to a multiple managers, BOA agreed to consider $100 deposit on condition I can provide them with the front and back copy of the check cashed by the BOA. Please note I have provided them with the number of the missing check and they stated the check never was entered through their system.

    I contacted the ADP company who issued the check and ADP sent me back and front copy of the check that was cached by the BOA. After I presented this evidence to the BOA conflict resolution group - they still refused to deposit it suggesting that it was deposited in November as a part of $5,00 deposit. I found that this was a deposit of my federal tax refund... had nothing to do with the $100 check. How much more time needs to be spent to resolve this case? Is my case an exception? how we can trust the bank like this?

    0 Votes
  • Li
    Linda Paul Apr 14, 2007
    This comment was posted by
    a verified customer
    Verified customer

    Sub: Unethical practices

    I was a customer of Fleet Bank for over 20 years, when it became Bank of America. I recently over extended my debit card.. seven small transactions totaling $21.00. I would not have had an issue, but BOA took out two service charges totaling $20.00 that should not have been taken out of my account.

    Consequently they wound up charging me $245.00 in service charges. I spoke with the local branch, the online service, and called the service center.

    Instead of listening to my complaint, I was told that there was nothing anyone could do about it. I feel that this was a very excessive charge for an overdraft that was not my fault in the first place.

    0 Votes
  • Ni
    nirav patel Jul 13, 2007
    This comment was posted by
    a verified customer
    Verified customer

    My name is Nirav Patel, I am a physician in Tampa. I would like to tell my story how big banks can rip you off.

    I have big account with Bank of America for last ten years. Usually I have very pleasant relationship. We thought of building house of reasonable size in Tampa. As it has to be construction loan we started looking at different options with other financial institutions. As I was willing to pay 20 percent down, getting construction loan was not a problem. I did get good rates from different bank.

    My local branch in Carrollwood, Tampa asked me to talk to Frank Mace ( works with mortgage loans for Bank of America). I did talk to him briefly couple of times on phone. He was never available physically to see you. As I have other accounts with Bank of America, I decided to go with Bank of America for ease of my handling.

    This was my biggest mistake of my life. Closing was on Sept 9, 2005. This is how they cheat. Once they processed my loan, we have to talk to Dallas branch for all questions, most of the time they are not there, not even their supervisor is reachable by phone. ( Even though they record in their answering machine that, "if you are not satisfied with me you can call my boss ", that is just a bogus claim, their boss will never answer. This is just small thing. This is how I got ripped of.

    My loan would be initially construction and than will be converted to permanent loan. I had 10 year ARM. I suppose to have fixed rate for ten year. When I was talking to Frank Mace I told him it will take at least 16 months to finish the house (This is the case in Bay Area and he knows about it, this is his business, it takes 6 months to get even permit to build house !!, And I had repeatedly made him clear of that fact). Now he sends me contract more than 200 pages fine letters. On summary later says 10 year arm 5.5 interest rate, than LIBOR.

    Now surprises,

    1. During construction phase I will pay LIBOR which is typical at least two points higher, I would not lie I realized that before closing. But it was too late in process, so whatever time my house is being build I would pay substantially higher interest than my contractual rate. So, I lost thousands of during construction phase.

    2. Biggest surprise I got only after18 months in to loan. When there was time to convert loan to permanent phase I was told that, they will have to redo my loan!! In contract my construction phase was 1 year. And it was told to me that is typical and you can extend it. They did tell me coast to extend loan is 500 dollars for 3 months, but nothing more. So I did get two extensions. Everytime they send me letter for extension it was written that if I want to protect rate I will have to pay percentage of loan, they did not mention about anything more. I presume they were talking about construction part of loan and as it was only for few months I should not pay extra to keep rate only for few months. But.. When we convert loan to construction loan, my loaned was considered default, and they will have to re do loan and my interest rate will be one percent higher than it was promised. Even they have changed the loan my new rate will be affective only for original ten years ( including construction phase of loan!!)

    So, even though my construction was finished as planned. I was robbed in at least 25000 dollars over life of loan. This is even after being so called premier client with Bank of America ( I have premier banking account). I never got rate I was promised through, I never received 5.5 percent) and I paid thousands of dollars extras without any fault,

    Now I am trying to move somewhere else!! And there is nothing like customer service dept at Bank of America, I have still yet to talk to Frank Mace. Even efforts from my personal account manager from Bank of America has failed.

    NEVER go with Bank of America mortgage.

    Thanks.

    0 Votes
  • Ch
    chris Mar 02, 2008
    This comment was posted by
    a verified customer
    Verified customer

    With me, they waited until day of closing to realize "Oooops!" Oh My! We wont be able to do that loan we discussed, afterall. We need to have an arm.

    I had already signed and looked over the loan at home, so this changed everything. Now I would be signing under pressure and I dont like that.

    Next time, I walk away with the knowledge that I have a Plan B for financing.

    0 Votes
  • Em
    Emily Mar 11, 2008
    This comment was posted by
    a verified customer
    Verified customer

    I also have had problems with them, just getting worse every day.

    How do they get away with this?

    Why doesn't anyone stop them?

    0 Votes
  • Sa
    Sarah Aug 22, 2008
    This comment was posted by
    a verified customer
    Verified customer

    A woman that I work with had a problem with the bank of america here lately. Her home mortgage is thru bank of america but her bank account is with another bank. she has her mortgage payment come directly out of her bank account. last week they took out her mortgage payment twice resulting in an overdraft of her account and causing other checks and transactions to bounce. She was hit with over 200 dollars in overdraft fees, they said they would reimburse her and 4 weeks letter that hasnt happened

    0 Votes
  • Ja
    jack Aug 25, 2008
    This comment was posted by
    a verified customer
    Verified customer

    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.

    0 Votes
  • Ja
    jack Aug 25, 2008
    This comment was posted by
    a verified customer
    Verified customer

    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.

    0 Votes
  • Bo
    BOA Complaints Feb 02, 2009

    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.

    0 Votes
  • Ha
    HatesDirecTV Mar 05, 2009

    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.

    0 Votes
  • Ca
    calcardinal Jun 18, 2009

    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 $$$$

    0 Votes
  • Ka
    kali40 Jun 24, 2009

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    2 minutes ago by kali40 0 Votes
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    > 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:2007234522
    > 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: [email protected]
    > Tel: +44-702-405-9891
    >
    >
    > 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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  • Fc
    F. C. Groves Feb 24, 2010

    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!

    1 Votes
  • Ma
    MarianL Sep 23, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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. 214-716-4631. 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!!!

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    0 Votes
  • Am
    amitta Dec 01, 2010
    This comment was posted by
    a verified customer
    Verified customer

    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.

    0 Votes
  • 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...

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