Bank of America’s earns a 2.2-star rating from 10 reviews and 1570 complaints, showing that the majority of banking clients are somewhat dissatisfied with financial services.
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Scam and cheating
Refinanced in early 2008 with Countrywide Mortgage.Countrywide did not accept appraisal from appraiser, home was appraised at $270, 000.00 in January 2008.We wanted to refinance out of a interest only loan to a fixed conventional loan. New loan was to be $214, 000, Countrywide would not accept appraisal at $270, 000 and had their valued opinion/guess value come back at $245, 000, so that we would have to pay PMI. If we had to refinance, $250, 000 or so I can almost bet they would have accepted the appraisal at $2700, 000, but because we only had to refinance with a loan of $214, 000 they valued our home at $245, 000 just so we would have to pay PMI. We as consumers pay a lot of money to licensed appraisers for their services to have a company like Countrywide do and say as they wish. It appears that the services we all pay for on appraisals are wasted and Countrywide can do as they please with our American dream of owning a home. It took me 2 e-mails, and 4 phone calls to finally get a copy of the paperwork that I should have gotten the closing in March, 2008. Countrywide Mortgage didn't want us to see or have a copy of their value opinion/guess value.
I urge ALL consumers who have a problem with Countrywide Mortgage to file a complaint with the Federal Trade Commission, I am putting my complaint package together and filing a complaint against Countrywide Mortgage. If all who have a problem with Countrywide Mortgage do the same as I am, The Federal Trade Commission has to do something about this company. The Federal Trade Commission investigates all complaints, so lets ALL file a complaint against Countrywide with the Federal Trade Commission and STOP this unfair practice from Countrywide Mortgage. The more information you provide the Federal Trade Commission the better, so get your cases in order and file. Let the consumer provale!
The complaint has been investigated and resolved to the customer’s satisfaction.
b.o.a. closed my credit card account
I have had a credit card with Bank of America/MBNA since 1997. And, I have used my credit card account for balance transfers since 1997. Just recently, I was told about a companion card to go along with my current B.O.A. card. I was told by a representative that I could transfer some of my credit available on my current B.O.A. to this new account once I received the new card in the mail in order to take advantage of a 0% balance transfer for 15 months.
I called a few days ago on Monday to see if I was going to get that companion card in the mail and I was told that I had been rejected for the new card. I asked why, and I was told that upon closer review of my currently revolving credit lines and balances with other cards that I was rejected for the new card and that my existing credit available($10, 177.00) would be taken away from my current account and it would be closed even though I currently have a balance of $5, 822.00 at a 1.99% rate until March 2009. And, also, I have never been late or missed a payment the whole time I have had this card since 1997. So, my credit card account has never been a delinquent account. I have very good history with them and they acknowledged that, but they said that was the right decision.
I have made balance transfers with them about every year since 1997 and they have never had a problem with this before. They just processed my most recent balance transfer in July 2008($6, 000.00) at the 1.99% rate until March 2009, and the balance is now down to $5, 822.00 like I said earlier. So, I have shown that I can make my payments every month and I have not missed any payments on my other credit cards and they admitted that I do have a good credit score. So, I asked them why do they have to close my account even though I have a balance, have not missed any payments etc., and they told me that all it takes is for me to miss one payment on one of my credit cards and then all of my credit card interest rates and payments will go up and that means that I will probably eventually not be able to pay them. Well, I have never demonstrated that I would or could miss or make a payment late! I have been with them since 1997! I don't understand this! I have excellent credit and they acknowledged that! This is not fair! They even closed my husband's Bank of America card account too, all in one phone call!
Now, because they have closed mine and my husband's credit card accounts, our credit will be ruined because credit reports will show that they closed our 2 credit card accounts and I still have a balance on one of them! The fact that they(Bank of America) closed our credit card accounts is going to now lower our credit score and cause our other credit card companies to possibly raise our interest rates and our payments and will also, most definitely cause them(other credit card companies) to stop offering us any low rate balance transfer offers! So, in effect, Bank of America is going to cause the very scenario that they were trying to avoid in the first place! By closing my accounts and ruining my credit in the process, they may cause my other credit card interest rates to go up, therefore increasing my minimum payments, and also causing them(other credit card companies) not to offer any low interest balance transfers which will in turn, cause me not to be able to pay off my current balance with them(Bank of America)! I have tried to get them to reverse their decision about closing my credit card account, but they said that they can't and I have spoke with supervisor after supervisor to no avail. They are ruining my credit by closing my accounts!
What can I do? Do they have the right to do this? Do I have any recourse? What can I do about this? Can someone help me?
Thank You So Much,
Shauna
Bank of america recently cheated my money, too.
I don't understand why a bank as big as bank of america has such poor customer service. It takes an act of god to get ahold of a person by phone. I have never had so much trouble getting a hold of a customer service rep. With any other business. Every number they provide sends you to the same automated phone service leading to a dead end. To me its obvious they don't care about their customers. They don't make their local business #s available to the public. So if you inquire any problems you always have to go to the bank and wait in line for 15-20 minutes and hopefully the can help you with your problem. Very unsatisfied customer. I do not see staying with this bank.
I Todd Whitifeld Want To Get Reimbursed For Bank Fees Equalling Up To $245 Dollars. I Didn't Authorized You'll To Go Into My Account!
I received a packet from BAC for a modification on my current loan in March of 2010. I complied with all the documention and information requested and returned via fed-ex to BAC. After several months of continous follow-up calls and being advised that all my documentation was in place and that the file was being reviewed, on Jan. 5 2011 I was notified via Fed-Ex that my modification was denied due to missing documents. Is somebody kidding me! I called and again got the run around. My mortgage payments went from $1487 a month to $1883 a month due to an escrow account being set up. So now what? I do believe that these people need to get with the program! I have been paying into a program I haven't even been approved for yet! Who's idea was that?
I have gone to the bank for the last couple of months to make my payment. well it appears that when you make the payment in the bank they are to put the payment towards your mortgage account. RIGHT? well no they play with the money don't know where it goes? so then they finally realize it's the house payment they put it in the account but now I have a late payment. keep your receipts from the bank. I had this happen 3 times already. they assure me this never happens? well it happened 3 times already plus this last payment i did it over the phone "check over the phone" and they made a type-O error instead of the 2, 017.64 she made 2, 017.14 so according them I owe 50cents and a late charge...crazy huh. but they removed it but i was on the phone over 3 hours different days clearing this up...closed by personal accounts already. to bad they have my mortgage acct.
bank of america is the worst bank i have ever dealt with in my entire life. Not only have they lied to my family but have done worse then that. I HAVE SPOKEN TOA FELLOW BY THE NAME OF JOHNATHON WOODWORD WHO IS USELESS. IF ANY ONE FROM BANK OF AMERICA WITH SOME KIND OF AUTHORITY IS INTERESTED IN HEARING THE DETAILS OF WHAT TANSPIRED I WOULD BE MORE THEN HAPPY TO DISCUSS IT. yOU CAN CONTACT ME AT [protected] OR [protected].
We currently have two Bank of America accounts. One mortgage, and one unsecured line of credit. We had been victims of the economy, with a job loss for 13 months and now finally back to work! We did everything in our power to stay current on all of our accounts, and most banks/credit cards like Discover and Chase, were VERY accomodating. Bank of America did NOTHING to help with late fees or interest rates. We stayed current on our mortgage for the entire 13 months, but received two late charges for being nore than 15 days late the last two months. Customer service said there was nothing they could do help us being we had 2 late charges in the last 18 months. I probably would have preferred a slap in the face. It sickens me that a company like this gets away with raising interest rates, refusing to help the consumer in an economy that they helped create!
Topic: “Banking companies that protect the offenders when customer accounts are compromised.” Background: I received a new checking card in the mail with a note saying my account had been compromised. I called Bank of America to learn which merchant was responsible so I could avoid them. I was told that information could not be shared with the customer. They said it was the responsibility of the “reporting entity” to advise us of the crime.
So the concern is this, the banking customer is inconvenienced as we must modify our financial lives to accommodate new account information, but we are not told who violated our account wherein we can do our part by not patronizing that entity again.
Why do the rights of the criminal supersede the rights of the violated banking customer? How many violators are given the freedom to repeat their crime when the same customers unknowingly support their business? It’s clear the banks are doing “something” to cover their interest, but what of our other information? What if it were a medical office? The banking information has been modified, but what of our SSN, medical record(s) or personal contact information?
At what point does the violated individual have the right to protect themselves?
Going in my bank account three time
Do/not want it.
Refund thank you
I have had a card with Bank of America for over 5 years and have been paying faithfully on my account. I have never been late with a payment but today received a bill saying my interest rate had been raised from 9.90% to 24.99%! This is outrageous. I pay on time, every time and yet I am being punished. I cannot pay this new bill. It has more than doubled my bill. They said it was common but they are the only company who has done this. She said she can lower the rate but I can never use the card again. So, again; I am being punished even though I pay on time, every time. No wonder there is so much bankruptcy and foreclosures.
holding funds
here is the content of a letter I sent to customer service at B of A concerning a "hold" they have on check I deposited a week ago. This is a scam being run by B of A. What they do is withhold deposits for the full legal time they can withhold them to get the advantage of your money for a period of time. Meanwhile, you can't pay the bills. The spirit of the law is to protect from phony deposits from disreputable sources. I can only say that the source of this deposit is in better shape than BofA-and BofA knows it.
I would ask you to immediately release the rest of the funds from a deposit I made a week ago. The check was from a a major insurance company, as reputable a source as any. (if the source was suspect I would possibly understand). The only possible justification for holding back the money-which is causing us huge problems-is that Bank of America is stealing-holding the money hostage so they can use it for the full legal time they are allowed to do so. If done on a massive scale this could benefit the company, at the expense of the deposit holders.This is disgraceful behavior. I know you have stated you will release it Monday. Release it today.
Same [censor] done to me deposited my $500.00 check.. Hard earned from working 80 hours and I get to see that I don't get to use my money until 5 days after depositing. Closing my account once this is all over with I'm done with you BoA screw off.
This is a capitalist society what do you expect? Businesses want to make money so they have policies that lead to that end. If Bank of America did not make money then you wouldn't want to bank with them. What do you think pays for the tellers, branches, security, website, debit cards and the convenient ATM machines that are located just about anywhere? If the bank didn't have money making policies then you never would have entered one to begin with. I have banked with B of A for 7 years and the only money they have ever made off of me has been through using my money while they have it to the best of their ability. From a business standpoint why would they want to change this policy if it is lawful and makes them money without bothering a large number of their customers?. I am happy to allow them to take advantage of my money for the smal time they have it so long as I gain the security and convenience that banking with a large bank provides.
Why isn't everyone outraged over this! Bank of America has done the same dirty little tricks to me, and I have been robbed of hundreds of dollars by them since they bought out LaSalle Bank in April of 2008. B of A WILL lose a whole population of customers b/c they are greedy pigs. I disdain most banking policies - they are created to take, take, take and not much else. However, nobody has balls the size of Bank of America, don't you think? They just helped themselves to how many billions of dollars in taxpayer money for their so-called "bailout"? They sicken me. Something has to be done in this country to stop this blatant robbery of the common people. You just don't know how I would love to have Bank of America's Executives to myself, alone in a room just once. NO CONSCIENCEs! NO ACCOUNTABILITY! WORST BANK EVER!
bait and switch fraud
This mega bank is playing bait and switch with CD rates.
We asked to move a CD to the interest rate that was advertised on their web-site, when the CD matured and I was assured by their Customer Service dept. over the phone, that would be done, twice!
But, after it was too late to move the CD, as it had passed it's 10 day 'grace' period, up comes a response on their obscure customer service page that "Sorry, that can't be done".
The complaint has been investigated and resolved to the customer’s satisfaction.
Lesson to be learned. Never do any banking transactions over the phone.
theft
This is the last letter I sent to Bank of America. As of Sep. 2, 2008, this is still not resolved.
---
Nicole Cone
P.O. Box 4012
Irmo, SC 29063
[protected]
Bank of America Corporate Affairs
100 North Tryon Street
Mail Code NC1-[protected]
Charlotte, NC [protected]
Re: Checking Account Number [protected]
Thursday, July 24, 2008
To Whom It May Concern:
Your branch at 4300 St. Andrews Road in Columbia, SC has ignored my letters from December 10, February 12, February 21, February 25, February 27, March 5, March 31, April 13, April 21, April 24, April 28, May 2, May 11, May 26, and June 12.
I am writing to file complaints concerning this branch, Matthew Taft, and Arin Faison. I have been treated poorly as a customer. I have been lied to, called a liar, and have felt threatened. All I have ever requested was to have my account fixed.
I have also already called your corporate office two times this week at [protected], and I have not received a call back.
I have already lost my car due to your negligence. I am now in the eviction process. I need my money in order to buy a car to get around, and to pay my landlord so I will not be evicted.
REFUND REQUESTED
$ 53.50 Charge Reported
$ 30.00 Charge to me for check 537 you returned
$ 0.20 Late fee for check 539 I was charged
$ 30.00 Charge to me for check 539 you returned
$ 105.00 Three $35.00 fees charged on 2/5/2008
$ 70.00 Two $35.00 fees charged on 2/6/2008
$ 30.00 Charge to me for check 540 you returned
$ 70.00 Two $35.00 fees charged on 2/11/2008
$ 35.00 One $35.00 fee charged on 2/12/2008
$ 35.00 One $35.00 fee charged on 2/14/2008
$ 30.00 Stop payment fee on check 542 that you did not stop payment on
$ 105.00 Three $35.00 fees charged on 2/21/2008
$ 36.95 Check 533 Returned Incorrectly
$ 30.00 Charge to me for check 533 you returned
$ 35.00 One $35.00 fee charges on 2/25/2008
$ 30.00 Charge to me for check 541 you returned
$ 30.00 Charge to me for check 543 you returned
$ 105.00 Three $35.00 fees charged on 2/26/2008
$ 70.00 Two $35.00 fees charged on 2/27/2008
$ 35.00 One $35.00 fees charged on 2/29/2008
($1, 048.50) Partial correction to my account (3/5/08)
$ 35.00 One $35.00 fees charged on 3/5/2008
$ 4.00 Refund for fees incurred when local BOA ATM did not have money to disburse
$ 70.00 Two $35.00 fees charged on 3/14/2008
$ 35.00 One $35.00 fee charged on 3/20/2008
$ 35.00 One $35.00 fee charged on 3/21/2008
$ 35.00 One $35.00 fee charged on 3/24/2008
$ 175.00 Five $35.00 fees charged on 3/25/2008
$ 175.00 Five $35.00 fees charged on 3/26/2008
$ 105.00 Five $35.00 fees charged on 3/27/2008
$ 175.00 Five $35.00 fees charged on 3/28/2008
$ 35.00 One $35.00 fee charged on 4/7/2008
$ 10.00 Fee charged on 4/9/2008
$ 35.00 One $35.00 fee charged on 4/14/2008
$ 35.00 One $35.00 fee charged on 4/15/2008
$ 175.00 Five $35.00 fees charged on 4/16/2008
$ 175.00 Five $35.00 fees charged on 4/17/2008
$ 70.00 Two $35.00 fees charged on 4/22/2008
$ 175.00 Five $35.00 fees charged on 4/23/2008
$ 175.00 Nine $35.00 fees charged on 4/24/2008
$ 175.00 Nine $35.00 fees charged on 4/25/2008
$ 175.00 Five $35.00 fees charged on 4/28/2008
$ 70.00 Two $35.00 fees charged on 4/29/2008
$ 175.00 Five $35.00 fees charged on 4/30/2008
$ 70.00 Two $35.00 fees charged on 5/1/2008
$ 10.00 Overdraft protection fee on 5/1/2008
($1, 200.00) Partial correction to my account on 5/2/2008
$ 175.00 Five $35.00 fees charged on 5/6/2008
$ 35.00 One $35.00 fee charged on 5/7/2008
$ 105.00 Three $35.00 fees charged on 5/12/2008
$ 175.00 Five $35.00 fees charged on 5/13/2008
$ 175.00 Five $35.00 fees charged on 5/16/2008
$ 175.00 Five $35.00 fees charged on 5/20/2008
$ 35.00 One $35.00 fee charged on 5/22/2008
$ 175.00 Five $35.00 fees charged on 5/23/2008
$ 70.00 Two $35.00 fees charged on 5/27/2008
$ 105.00 Three $35.00 fees charged on 5/28/2008
$ 175.00 Five $35.00 fees charged on 6/3/2008
$ 70.00 Two $35.00 fees charged on 6/4/2008
$ 35.00 One $35.00 fee charged on 6/9/2008
$ 70.00 Two $35.00 fees charged on 6/11/2008
$1, 500.00 Bill pay check 5014 applied 6/11/2008 -- I called my local branch to cancel this on 6/9/2008
$ 35.00 One $35.00 fee charged on 6/13/2008
$ 35.00 One $35.00 fee charged on 6/16/2008
$ 30.95 NSF Charge on 6/16/2008
$ 175.00 Five $35.00 fees charged on 6/17/2008
$ 70.00 Two $35.00 fees charged on 6/18/2008
$ 35.00 One $35.00 fee charged on 6/24/2008
$ 35.00 One $35.00 fee charged on 6/26/2008
$ 35.00 One $35.00 fee charged on 6/27/2008
$ 35.00 One $35.00 fee charged on 7/1/2008
$ 70.00 Two $35.00 fees charged on 7/7/2008
$ 70.00 Two $35.00 fees charged on 7/8/2008
$ 29.95 NSF Charge on 7/9/2008
$ 35.00 One $35.00 fee charged on 7/10/2008
$4, 887.05 TOTAL REFUND REQUESTED
Sincerely,
Nicole A. Cone
CC:
Bank of America
Attention: Bank Manager
4300 St. Andrews Road
Columbia, SC [protected]
Better Business Bureau
2330 Devine Street
Columbia, SC [protected]
South Carolina Department of Consumer Affairs
P.O. Box [protected] Forest Drive, Suite 300)
Columbia, SC [protected]
Attention: Supervisor of Jacqueline F. Brabham
Re: 08-00980A6
Office of the Comptroller of the Currency (OCC)
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
Re: OCC 764096
Bank of America
Office of the Chairman
P.O. Box 25118
Tampa, FL 33622
FL1-[protected]
Attention: Matt Taft & Arin Faison
Office of Thrift Supervision
Southeast Region, Consumer Affairs
P.O. Box 105217
Atlanta, GA [protected]
South Carolina Attorney General
1000 Assembly Street
Columbia, SC [protected]
Scams
Reps there lie about their names and mphantom offers for buyers who do not exist. They will call you with a fake name then call you back with another to close you. The pitch goes like this: hI YOU ARE A CLIENT OF OURS... DO YOU HAVE YOUR ADMIN NUMBER? ( A FAKE NUMBER, NO MATTER WHAT YOU SAY YOUR WRONG...) THEN THEY WILL PROCEED TO TELL YOU, HEY HOLD ON LET ME GET MY PROPERTY MANAGER OR VICE PRESIDENT OR WHOEVER... LIES ALL JUST SALESMAN... SO DONT BE FOOLED WITH AN ILLEGITIMATE COMPANY... ALL THEY DO IS STEAL MONEY FROM PEOPLE AND RUN... NEVER RETURNING PHONE CALLS AFTER YOU SEND THEM MONEY!
They gave my info to a 3rd party
Through my bank, Huntington National Bank, I applied for a Master Card. FIA processed the application, turned me down and still has not sent a decline letter.
What they did do was illegally send the letter to an address I had more than ten years ago and no longer use! FIA claims the address was on the hand-written application. WRONG! The app was generated on a bank pc that had only current info on it! I though it was illegal to send personal info to an UN-authorized third party, but FIA says otherwise. When I find out the culprit, I will file charges with the feds.
The complaint has been investigated and resolved to the customer’s satisfaction.
excessive overdraft charges
My son has an account with Bank of America. He is new to the Banking business. He thought he had more in the bank than he did. He used his ATM card for a small purchase of $6.89. The following day a purchase of $ 7.66. Atm card no problems right? no he was charged 2 overdraft fees of $35.00 each. My complaint is when does the Bank stop allowing you to overdraw your account? Are they out to collect as many fees as they can? Would they allow you to come into the bank and withdraw money that wasn't there? At what point do they look out for you when you overlook something and put a stop before you incur numerous fees? I also have an account with BOA and have never activated or used ay of my ATM cards because of this reason.I just keep enough money in to keep it open so if I need to cash a check or anything I can But my banking loyalties belong to Wells Fargo even though I bank from afar due to there are no Wells Fargo Banks in they city I live in or close by for that matter. Think twice before trusting BOA as they apparently are looking out for the bottom line not you.
Very similar situation happened to me several times over the years with BOA!
I was going through chemo and didn't know my balance had dropped below by less than ONE DOLLAR and I accrued almost $300 in over-draft fees because they continued to pay bills going out.
It was awful and didn't help while fighting for my life!
checking account scam
Beware old customer or new customer: Bank of america is doing what is called a research fee which charges you 20.00 an hour. I just opened an account with boa which should not be there name they do not represent america. Anyways I put in my payroll check which is from a huge and well known company. I took out half my check than 3 days later I got a decline...
Read full review of Bank of America and 13 comments
bad service
Countrywide Home Loan's Full Spectrum Lending division is a disgrace to an increasingly disgusting mortgage business.
Last April, my wife and I decided to refinance our home. So, we made a few calls and settled on Countrywide's Full Spectrum Lending because we liked the agent we dealt with. His name was John Donaghue, and he suggested getting an interest only loan because we were only staying in our house another year or two and we wouldn't be paying off much principal balance anyway. This way we could save more money. I checked into it, and he was right - the money we could save by paying off an interest only payment was dramatically higher than the money we could save paying off a 30-year fixed.
So, we went with it. John Donaghue was able to lower our monthly payment by an astonishing $500 a month! We were so happy! So, we signed the paper work.
Imagine my surprise four months later when we looked at our principal balance and it was FOUR THOUSAND DOLLARS MORE than what it was after refinancing.
Now, I admit, we did not thoroughly examine the contracts. And that is a mistake we will NEVER make again. Because if we had thoroughly read the contract, we would have seen that the reason our payment was so low was because John Donaghue roped us into a negative amoritization loan. Which basically means that we pay only PARTIAL interest and the rest of the interest is getting added to our principal balance every month.
So, we were saving $500 a month in payments, but $600 a month was being added to our principal balance! I admit, we should have picked that up when signing the contract, but shouldn't Mr. Donaghue have TOLD US THAT WHEN HE WAS TELLING US ABOUT THE DAMN CONTRACT?!?!?!? What kind of company allows their sales force to do that kind of crap?
So, we had to refinance again. We're back to where we started and have had to pay closing costs twice in the past year. Not good times.
I wish the story ended there. But, on Christmas Eve we found out that our new mortgage company (Allied Home Mortgage) had sold our mortgage to another firm. Take a wild guess who they sold it to!
You guessed it - COUNTRYWIDE!
So, now we're dealing with this deceitful company again and we have no recourse, but to bend over and take it from them. (Not unless we want to refinance yet again)
To make a long story short, Countrywide Home Loans and Full Spectrum Lending are two companies that you should avoid at all costs.
The complaint has been investigated and resolved to the customer’s satisfaction.
unauthorized debit
Bank of America uses incorrect dates for transactions. Here is the scenerio...on the evening of August 14 I went to bed, knowing that my paycheck from work would be direct deposited at midnight on August 15th. I told my husband that if he was up later that he could go ahead and pay our cell phone bill online when he saw that my paycheck was direct deposited. He kept checking the online account to see when my paycheck was deposited. He finally saw it deposited into my account at 1:45am (Eastern Time). So he then pays our cell phone bill right after he saw that my paycheck had been credited to my account. Well the following day, the 16th of August I noticed an overdraft fee of 35.00. I immediately called the bank to find out why this incorrect fee was posted to my account. The customer service person said that I payed my cell phone bill on the 14th, BEFORE my paycheck was deposited. I told him that my husband stayed up and payed it at 1:45 am right after he saw my paycheck was deposited. I even offered to prove it by taking my cell phone statement into a Bank of America branch to prove that the bill was paid online on the 15th. The customer service rep told me that this would only prove when my cell phone company RECEIVED the payment. He just kept saying over and over that the debit was made on the 14th when in fact it was made on the 15th. I have given up trying to get them to credit the fee back to my account after four emails to customer service and just canned responses received in response to my emails. If anyone is starting a class action lawsuit then I am in!
The complaint has been investigated and resolved to the customer’s satisfaction.
overdraft fees
How is it that Bank of America can charge overdraft fees to my account when I have not overdrafted? They have charged me 9 overdraft fees this month and not once was I overdrafted.I was in the negative however when they took the first 5 overdrafts out.they credited me back only 4 of those witch was 140.00. the next day they charged me 3 more 105.00 they did...
Read full review of Bank of America and 59 commentsillegal/unethical practices, predatory lending
First, let me say that Countrywide's criminal and unethical practices need to be stopped and all of us that have mortgages with them need to be compensated for damages. We also, have been financially damaged by them. To name a few, they did a classic bait and switch to our refinance loan; we were promised in writing a credit come back loan, yet we found out...
Read full review of Bank of America and 5 commentsFraud Dept.
The fraud dept. at FIA Card Services aka Bank Of America is crazy. They closed an account over a year and a half ago due to fraudulent activity and opened me a new account. They said all the fraud charges were taken care of and I signed an affidavit. The newer account was closed in Nov 2007 due to divorce and was paid in full in the settlement. In Feb. 2008 I received a statement for $218 owed due to charges that had been found on the original account. It was from a Best Western in Europe and I have never even been to Europe. I have signed affidavits, talked on the phone for hours (mostly to people with an accent from another country) only to be told the issue is resolved then a month later the nightmare comes back in the mail. Today I faxed them 15 pages of items i had received, filled out, etc... from them. I sent it 2 times and sent the affidavit 5 times plus I am mailing it. This has been one of the worse experiences ever! They are sooooo screwed up. I wish I had never heard of them! Beware, stay away, close your account while you can!
My family has been a victom of Idenity theft! Two diffrent accounts were opened up in mine and my husbands names. We followed all the protacals to resolve this problem and FIA services denied our claim saying we profited form it. The person's investagating our complaints has NEVER EVER talked to me or my husband! My husband is a Chief ADA and has been for 27 years and if they are doing this to us, then they will do it to ANYONE! My husband is the LAW and these people WILL NOT CALL US BACK TO EXPLAIN IN DETAIL WHY WE WERE DENIED! We got a letter and I've called my husband has called and nothing! Then yesterday I opened my mail-box and there was the BILL man I was pissed and then on top of that the interest rate was 27%!
It'll be a COLD DAY IN HELL BEFORE WE'LL PAY!
late fees
I paid my credit card bill on saturday the 2nd. It was due on sunday the 3rd. I got hit with a late fee which then put me over the limit and and then the over the limit fee kicked in. That cost a total of 70.00 dollars for a bill that was paid on time. This is a pretty nice scam they have going here. Payments made on a weekend don't count but billing is ok...
Read full review of Bank of America and 11 commentsMoney being held hostage
I have had a Savingslink savings account with Countrywide Bank for two years. Bank of America has now taken over since purchasing Countrywide. For most of this time, the money just sat there earning a decent interest rate.
Recently, I have found better deals and decided to withdraw my money. Since this is a virtual bank, one way to do so is to link this account to an existing checking account at a bricks and mortar bank. I set up the link to my Wamu account and confirmed the small test deposits in my Wamu account. I even tried transferring a small amount first to confirm everything is working fine.
I decided to withdraw the bulk of my funds and initiated the transfer all according to the bank’s rules. One screen even confirmed that my transfer was within the daily maximum limit allowed.
Couple of days later, I received an email stating my transfer was declined and my transfer ability was suspended. I should contact customer service for more assistance.
Knowing that there is no documentation of a phone call, I like to test their customer service by email. I logged into my account and sent them a pointed inquiry as to why they had taken this action of declining my transfer and revoking my transfer ability.
I received a response two days later. The response was rather cryptic and did not answer both of my questions. Their response was “when this happens, transfer is suspended.” I sent them another email asking why “this happens, ” referring to the declined transfer. I am waiting for a response.
One of the phone numbers left in the email is to their Loss Prevention department. Undoubtedly, they believe I am a thief who has stolen my account access information and am trying to steal my money. When I transferred the smaller amount, they apparently didn’t care about a ‘thief’ taking that little amount.
In actuality, I believe this is their way of preventing large sums of deposits from leaving the bank. They will just say that they trying to prevent theft. They don’t care about inconveniencing their customers. They don’t want their customers to get access to their money. They only care about their own needs. As far as I am concerned, my money is being held hostage until I can prove I am not a thief.
My whole purpose with electronic banking is for convenience and funds accessibility. Their policies are contrary to my purpose even though they appear to provide the means to serve my purpose.
They took my money
Well like other people, this company its nothing but lies! They took $415 from my credit card they tell me that with that money i was going to lock teh rate .etc etc... I tell the them that if in case i didn't get approve would they refund my money and they tell me YES! Well they didn't approve my loan and guess what; now either Sergio Lopez or his manager Will Cervantes have give me a call.
PLEASE BE CAREFUL WHEN YOU DEAL WITH THIS COMPANY. If someone knows what can i do, i really appreciate if you can send me an email.
I have a mortgage with Countrywide. I always pay my mortgage on time before the 16th of the month grace period. In November I paid my mortgage online 3 days before the 16th and was charged $6.00. I wrote to them and received no reply. In December I paid my mortgage 5 days before the 16th and was charged $3 extra. I wrote to them again and their excuse was that I choose to pay online and that because I choose to pay online I will be charged these fees. I am paid bi-weekly and for that reason cannot always pay by the 1st. I have called them to pay by phone and there is a significant fee for that. If i pay by snail mail the payment would probably be late and I would be charged a late fee. The internet is the only way for me. I feel this is very unfair and would like other people to know this before doing businesswith them. It is a small fee but does add up over time. In this time of financial hardship for alot of people, it's too bad that banks choose to gouge people
advertising fraud
This is now the fifth company I have listed my timeshare with and been scammed. I know, why did I do it again. I was contacted on 5/20/08 by a man named Frank Johnson who told me he had a overseas buyer for my Bonnet Creek timeshare that was generated from test offer ad that had been placed in Nov 2007 by a Jason Rivera. The offer was for $52, 360. They told me I needed to pay them a fee to actually get me into their system so the sale could go through. I asked tons of questions about the buyer, I wanted proof that there really was a sale in progress. I asked to speak with Franks supervisor and I got Richard Burton who again assured me that everything was ggod to go. I refused to verify the first time with Maria Rayes and thats when I got the call from the "manager" Brian Cole who once again assured me and convinced me to give them my money for the "for sure" sale. They said it would take 2-4 weeks and that the money I was paying them would cover the closing costs and the broker fee. I would not have any more out of pocket costs. I have been calling every 2 weeks since May and for a while I could get ahold of one of these people. Then they referred me to a Dave Falzone who said they had title work completed and that they were just waiting for the buyer to send paperwork. He said I should call back in 2 weeks if I didn't receive the paperwork. I started calling back on Monday [protected] and would get a receptionist that would transfer me to an operator. I called 2 times every day since and would get the same answer - They are not in yet, they have gone home for the day(mind you this was at 11a.m. in the morning, they would have someone call me.
Up until this week I still had faith (like an idiot) that the sale would really go through. I know I just wanted and needed it to go through. Today [protected] is when I actually got on line and started to read the familiar stories. I want these people stopped!
I want my money back!
they called me saying that they had a buyer for my timeshare in orlando, fl. they kept bumping the price up untill i could not say no.they ask me to fax them a sales type agreement and my credit card number for closing costs. they were to send me a cashiers check for 30, 000. after two weeks and a couple of phone calls i could no longer reach anybody but the secretary. i fould a 1, 500 charge on my card and they claimed that it was for advertiseing. unless you have money too throw away, stay away from them.
Charles..Keep fighting this SCAM company. You are not the first and will not be the last. Keep writing every complaint site and get the word out so everyone knows about this scam they have going. I still get calls thanking me about my warnings about this company. I have to keep getting back here more often to warn people. I feel bad you got scammed I wish you came across my warnings before the scammed you. Good luck with your fight. Lance Bachelder...floydpink1037@mail.com
$30,000 lost because of bank of america
On 07/08/08 I went to the bank of America for wire transfer to Turkey. The amount was $30, 000. Jill Townsend did the transfer in Turkish currency without asking me how I wanted to transfer the money. I wanted to transfer the money in dollar currency AND gave her dollar account number in Turkish Bank. Money was transferred to turkish bank in Turkish...
Read full review of Bank of America and 2 commentsunauthorized draft
FIA Cardservices (Bank of America) offered me a settlement agreement for my past due credit account, but failed to mention that in order to secure this agreement they would be autodrafting a payment. I made my monthly payment as instructed and 2 weeks later, they tried to take more money out of my account. (They had my banking information from when I setup a draft months prior.) The payment cleared, so I had at that point made 2 payments for the month, and this created a chain reaction of bouncing in my account ending up in fees over $600+. The account rep agreed that I should not have been set up on a draft, and that I had not been properly informed. So she put in a request for a refund to my bank account. I was eventually told that I could not get any reimbursement for their abuse of my banking information, basically because of the settlement - since they were giving me a break, I wasn't entitled to any money back. If they did process the refund, it would cancel my settlement. That was the last thing I heard. Then today, I see that they went ahead and gave me a partial refund. When I call in to find out why I received a refund at all, when I was just told that I could not - the manager then tells me that they processed the refund but now they have canceled my settlement! These reps are NOT TRAINED TO UNDERSTAND WHAT THEY ARE OFFERING TO CONSUMERS. The first rep that offered me a settlement, DID NOT TELL ME that every single settlement agreement MUST have be paid with autodraft. Then the next rep that is "helping" me did not tell me that a refund to my account would result in cancellation of the settlement. How the hell am I supposed to make decisions to remedy this account, when these people do not know how to do their job and do not provide accurate information?
I have been told that they will offer me another settlement later this week... I guess that is their way of making up for their series of effing my account up! We shall see.
Overview of Bank of America complaint handling
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Bank of America Contacts
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Bank of America phone numbers+1 (800) 432-1000+1 (800) 432-1000Click up if you have successfully reached Bank of America by calling +1 (800) 432-1000 phone number 8 8 users reported that they have successfully reached Bank of America by calling +1 (800) 432-1000 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 432-1000 phone number 3 3 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 432-1000 phone number45%Confidence scoreEnglish+1 (800) 688-6086+1 (800) 688-6086Click up if you have successfully reached Bank of America by calling +1 (800) 688-6086 phone number 16 16 users reported that they have successfully reached Bank of America by calling +1 (800) 688-6086 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 688-6086 phone number 2 2 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 688-6086 phone number78%Confidence scoreSpanish+1 (315) 724-4022+1 (315) 724-4022Click up if you have successfully reached Bank of America by calling +1 (315) 724-4022 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (315) 724-4022 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (315) 724-4022 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (315) 724-4022 phone numberInternational+1 (757) 677-4701+1 (757) 677-4701Click up if you have successfully reached Bank of America by calling +1 (757) 677-4701 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (757) 677-4701 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (757) 677-4701 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (757) 677-4701 phone numberCredit Card Issues+1 (800) 214-6084+1 (800) 214-6084Click up if you have successfully reached Bank of America by calling +1 (800) 214-6084 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (800) 214-6084 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (800) 214-6084 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (800) 214-6084 phone numberVice President Bank+1 (312) 992-6618+1 (312) 992-6618Click up if you have successfully reached Bank of America by calling +1 (312) 992-6618 phone number 0 0 users reported that they have successfully reached Bank of America by calling +1 (312) 992-6618 phone number Click down if you have unsuccessfully reached Bank of America by calling +1 (312) 992-6618 phone number 0 0 users reported that they have UNsuccessfully reached Bank of America by calling +1 (312) 992-6618 phone number
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Bank of America emailssupport@bankofamerica.com100%Confidence score: 100%Support
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Bank of America address100 N Tryon St., Charlotte, New York, 28255, United States
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Bank of America social media
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Checked and verified by Janet This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJul 03, 2025 - View all Bank of America contacts
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DO NOT DO buisness with countrywide they are liers, underhanded cheaters with inside deals.
i have some serious issues with countrywide how do i contact the fedral trade commission