Bank of America

I used to have my mortgage with Countrywide but it changed over to Bank of America. My Homeowners Ins. was not included in my mortgage, I paid it seperately. For a while I had no income because of health issues. I was recently declared disabled in July and was awarded SSI. Right about the same time I got a letter from BOA saying that they noticed that my insurance had lapsed and that if I did not get my own insurance by such and such date in September 09, that they were going to be putting their insurance on my bill every month. The first letter said that their bill would be around $810. I immediately called the insurance co. that I had with my car, since I have AARP, and set up my homeowners with them, which was around $779. The insurance company sent me paperwork to sign, which I did, and I called BOA, to tell them that I was sending them the paperwork for my new insurance and letting them know over the phone that I had it in place. Then, I got a call from my new insurance company saying..."Ooops! We made a mistake. We do not cover you for Wind and Hail in your Area." So, here I go again, immediately looking for insurance again. I ended up going back to the original Insurance Agent that I used to have before my insurance had lapsed and she found me insurance, including Wind and Hail for around $600. I was thrilled. While sitting in the agents officed that day, she called BOA to make sure that everything was ok with the new insurance and she also Faxed the paperwork to BOA. This was in the beginning of August. still within the time frame that BOA gave me to have my own insurance by a date in September. Ok, so now everything is ok. I thought. The next thing you know I got a letter in the mail from BOA telling me that they were going to bill me $1803.97 for their own insurance that they were going to start billing me for because I had not gotten insurance yet! I called BOA and talked to one of their insurance people. He looked up my account and told me that Yes, I was correct, that I did have my own insurance. He apologized to me and told me he would take care of the error. Well, once again, just today I got yet another big important letter from BOA, telling me that they are billing me $1803.97 for their insurance. They were going to be tacking it onto my monthly mortgage bill. I called them immediately and I was on the phone for an hour and a half, being put on hold for long periods of time. After talking to this guy, he informed me that they were going to be billing my monthly mortgage bill for $88, for the time frame of June and July for when I did not have insurance. OMG! I was furious. I said to him what the heck are you talking about? In their own letter they gave me until September to get my own insurance, which I did in August. He kept insisting that they were still going to bill me for June and July, even though that is not what the letter says. Finally, after yelling at this guy, after literally crying, because I was so frustrated, he told me, after putting me on hold again for a long time, that he spoke to his Manager, and that BOA was going to be sending me a check for $88. Because...they are billing my mortgage account for the next 12 months for the $88. So they are going to send me a check to pay for this bill, that I should not be being billed for to begin with. I asked him, why can't you just delete this bill from my account. If you are going to send me the check, than you are admitting that it is wrong to bill me this, so just delete it. He told me that they can't for some unknown stupid reason. I cannot believe what BOA has been putting me through. I have been with them for many years and I also have a credit card with them. I plan on remortgaging my home in the upcoming months. When I do, I am getting rid of the credit card bill that I owe them and I am cancelling it. I will never do business again in my lifetime with BOA.

I refinanced my loan with countrywide mortgage now bank of america. my closing was 6/24/09 first payment 8/1/09. My 10/09 statement informed me that my payment would be increased graeter than $2, 100.00 per month from approximately$1, 65000. Thinking this was a error since my initial payment before refinancing was appox $1, 900.00. I wa smade aware that my escrowed taxes was misappropriated towards my refinancing expenses consequently leaving me deliquent for my property taxes over $4, 000.00. Had I was informed in written or verbal format I would not have refinanced. I feel what BOA did to me was elegal. I have informed my local attorney general office and will be sending more emails to anyone who will listen and act on my behalf. When President Obama made the legislation to help home owners like myself this is not what he had in mind of people taking disadvantage of.

Carol grant
[protected]
[protected]@yahoo.com
8 drummer trail
bloomfield ct.

I called customer service to report that my debit card is misplaced/stolen. I asked them if they could stop any future charges on the account. The customer service representative
says that I will get charge $30.00 in order to do that. I am already charged for overdraft fees since I reported the card missing and that they did not do a thing to stop future charges on the account. I went to the banking center and they said that they cannot help me to reverse the overdraft fees, and despite of the fact the I do not have a card, and do not have money on the account but overdraft fees that I cannot afford to pay due to financial problems, Bank of America still charges me for monthly account maintenance fees. There were 2 unauthorized charges on the account and since there is no money in the account Bank of America took the opportunity to rob more money from me by charging NSF fees of $35.00 for each unauthorized charges, so I now owe them a total of overdraft fees of $227.00. I wish someone can tell me what I could do inorder to fix this problem. Bank of America should be stopped doing this financial hardships to consumers.

I closed my home loan and they sent me my escrow that was in my account stating my insurance and taxes were paid for 2008. In June, of 2009, i received a threatening letter from a tax service that my taxes had accumulated over 500.00 of fees and penalties. I called them and they said to send the copy of whatever i had to pay and they would see about paying me back on those fees. I did and have not heard back from them. I had to pay 1004.00 for my property taxes that should have been in the amount of 458.00.
Thanks Bank of America! Good quality of service from ya!

Debbie Young

We obtained a loan from Countrywide which is now Bank of America. It was originally a predatory loan and we modified in March 2009 with Countrywide. Once we switched to BofA ownership, we hoped for better service and a responsive team to our inquiries. But that has not happened. As it turns out, we were told that the company is one and the same. New ownership does not mean better management or equitable treatment.

We are battling to keep our house and want to work with the bank. All we get are people in India. Yesterday we spoke with BofA about our loan and the loan retention associate was in India with no power. They read scripts, put you on hold and never really modify the loans. After the big bailout, the predatory loans such as ours is still smoke and mirrors. Lower the interest rate but continue to pay on an interest only loan. To make monthly payments manageable, lower the interest and add the amount due to the backend of the loan. Smoke and mirrors. That is all you get.

With both Countrywide and BofA CEOs either in trouble or ousted, how is a consumer supposed to handle their financial obligations in a responsible manner?

This is a complaint about kevin blount in tax dept. He likes to sleep with different employees here in countrywide. Need to warn people he has std sexually transmitted disease. He is also abusive. Not to mention in jail of family violence.
Please stop this guy!

Countrywide home loans is requiring and has taken out a $2, 000 flood insurance policy (Which they are deducting from our escrow account) on our property on mission beach road in marysville because they say it is within a flood zone and it's required by fema. The fema map we find online through fema shows our property in flood zone x which is not in a flood zone. We have called countrywide and they say it's out of their hands, that their "new" map says fema has us in a flood zone. The only way to change it is to get a loma (Letter of map amendment) from fema. We think countrywide is scamming us and maybe others.

my bill was due on Aug 28th. It was paid on Aug 20th.
The next month my bill was due on Sept 28th according to the automated greeting on the 800#. I paid my bill on Sept 8th. How is this wrong? According to bank I did wrong, I was late becuase I paid too early. They refuse to post my 9/8 payment to the bill due 9/28 because they want me to wait til after the 9th of the month to pay. How can they refuse an "on time payment" ? They charged me late fee, plus took away my promotional rate and with the interest assessed (an extra $200) I got hit with overlimit fee. Why is it that I can only pay my bill over the course of a half month rather than a full month. Its not legal for them to refuse payment on the first 12 days of the billing cycle. If I have until 5 or 6pm on the 28th to pay my bill, I understand that there may be a few day window before i can pay my next bill but they are telling me it is wrong to make a payment on the 29th, 30th, 31st, 1st, 2nd, 3rd, 4th, 5th, 6th, 7th, 8th . If I make a payent on any of those dates it will back credit it for the bill that was due the month prior even though my payment was for triple the min amt due. the next month they wanted a $590 pmt instead of $129...i called and clerk said they would allow me to make a reg pmt of $129 since I wasnt late with last pmt. I did just that then they hit me with anothe rlate fee and overlimit fee because i did as she said and paid a different amount then the amount of the bill. This is still going on.

I have evidence that monies have been taking out of my checking account at the Bank of America. I have talked to several investigators about my hand writing and the spelling of my name that is spelled incorrected on the counter bebit and cash withdrawal slips. I can not get any help. I have started the process for a civil action case.

Today, I went to deposit a business check at the Muirs Chappel Branch in Greensboro, NC. It was the single most upsetting experience I have ever had at a financial institution. The entire staff conducted themselves like child-thugs; complete with obstinence and face-making. After sitting in the drive-thu line nearly 15 minutes, watching 6 or more customers stream through that were behind me but in different lanes before I was even acklowledged, I entered the bank to personally make the deposit. I found two staffers rough-housing in front of a lobby-full of customers, pretending to kick each other in the genitals, as a line streamed out the door with a number of visibly angry customers. The teller who made my deposit, told me there would be a hold and then gave me back the check I was depositing, a major error, which I'm sure they'll discover at the end of the day. She sent me to the bank VP, Jeff Pack, who was nothing short of contrite and condascending before I even discussed the situation with him. It was as if I had interrupted his internet surfing and was nothing more than an inconvenience rather than a concerned customer. He proceeded to have me wait in his office nearly 30 minutes, only to return saying they could not waive the hold because I had five overdrafts in 180 days. When I disputed this inaccuracy and asked him to substantiate this claim, he said he could not and would not because he was not accusing me of anything. I was nearly dumbfounded but went on to explain that I was concerned about fraud on my account since I have NEVER bounced a check in my 12 years of business there, as reflected on my banking statements. Again, he told me that he could not help me and gave me an incorrect customer service number to contact. Also of note, at no time did anyone ask me for ID yet freely doled out personal information about my business account. When I demanded to close my account, he again said he could not help me and that I needed to go to my original branch in Washington State. As I left his office and walked through the loby, clearly upset, he yelled for all customers to hear "I hope you have a real nice day", thick with sarcasm and hostility. When I finally found the correct customer service number to inquire further, they confirmed that my account was in "excellent" standing, "flawless" since it's inception in 1998. Further, they indicated Mr. Pack did not have access to the information he claimed and confirmed he had "lied" (their words, not mine). They indicated a complaint would be made and disciplinary action taken, including a formal apology to me, but I will be astounded if that is in fact the case. Effective immediately, I am closing my account and will disuade anyone and everyone I know from conducting business with BOA. I hope the SCC shuts them down with the current fraud charges to spare honest citizens from the humilation and abuse they have subjected me to. Down with BOA!

My wife and I lost our home of 22 years to a housefire on July 8, 2009. We called B.O.A. on July 9, 2009 to inform them of the fire to the residence. It was a total loss. On August 18, 2009 the insurance submitted a check to us along with B.O.A. for the balance of the loan. B.O.A. deposited the check on August 25, 2009.
I called on August 27th to confirm the check was received only to find out that nothing had been done with it because I had not submitted a letter of intent of which I had no idea I had to do that. I submitted through fax the letter of intent. On August 31, 2009 I called B.O.A. to make sure they received the fax only to find that they could not submit the letter of intent until I gave them permission to do so. Again I had no idea I had to do that.
They finally submitted the check fo payoff on September 3rd. I was promised that the loan would be paid off between 10 and 14 business days. As the 14th day approached I called to check on the progress of the payoff and to request that they expedite the refund from my escrow account. They said that it had to be re-submitted on the 15th. By this time I am unable to think clearly as I have already been put on hold since September 3rd (and over 30 calls to B.O.A.) 9 hours and 23 minutes and talked to over 8 people in India, and at least 30 more between Simi Valley, California, 3 cities in Texas, and two in Arizona. I finally demanded to speak to someone in Corporate and a nice lady by the name of Rhonda in California (I think), hooked me up with Marie in Texas who in turn made a phone call and got the loan paid off within 20 minutes on the 14 th day. I have been bruised menatally from the chaos and the run-a-round dealings with Bank of America. I am in the process of filing a complaint with the State's Attorney General over the treatment and misinformation and lying that has went on. there is a man that works for B.O.A. in Ft. Worth Texas by the name of Reuben that should count his lucky stars that I was not within range of his smug arrogant self. I was pushed to the limit by this lethargic arrogant, little over minimum wage individual. I can honestly understand how some people may be lead to do things they noramlly would not consider. I have been lied to, told I would receive a call from 13 different people all of which has never happened. The real kicker, they won't have my escrow money of 32, 000 back to me for 10 to 14 days. In addition I am getting foreclosure notices daily from them on a property that is no longer there and they owe me money. That's Bank of America. No wonder people go over seas and hide their money.

We have a mortgage with Countrywide. We are now being harassed and threatened with foreclosure. Countrywide had inflated my husbands income on the application and also added my daughters social security that she draws from her dad who is deceased. This money is for her care, not for the home but they inflated that also. We have attempted to contact them numerous times to have them work with us to lower our payments so that this would not happen but each time they refused or became so rude that they would eventually hang up. They are charging us escrow when we told them that we would handle the taxes and insurance ourselves and also charging us late charges when on the transaction statement for 2008, under the "late charges" column it is all $0.00. They have raised our payment 3 times. Our contract is for $490.05, then it went to $642.81 now it is $697 beginning in Feb. My husband does not have a job that makes us millionairs, we are just hard working honest people that do not want to lose our home of 14 years but what can we do? We cannot fight this Predatory Lender that is an American Terrorist preying on the hard working people to cause them emotional, physical and mental abuse. There are currently 260+ homes in the state of Tennessee alone that Countrywide has as foreclosures. 15, 108 in the United States, how many more are going to be allowed to become victims? I'm sure we will, we have purchased a 27' camper and plan on moving into that just so that we can get away. How sad is that? America used to protect us against terrorists, maybe we are fighting the wrong ones? I hope that someone will read our story and find it in their hearts to help us so that we don't lose our home and make Countrywide stop all of their illegal and predatory practices.

November of 2008 There was a charge made on my ATM at an Arco gas station at 5am that made me go over (negative), but my card was in my wallet and my pin # was used. I went to a BofA branch, my card was cut up and a new one given to me and all the charges were reversed while they did their investigation. A few weeks later bank of america check card fraud said that my claim was denied because my pin and card were used to make the transaction therefore it was valid use of my atm card. I made a police report and in may of 2009 my account was charged off and now in collections even though theres a pending investigation with the P.D. I called check card fraud again and I asked the lady "michelle" if i can prove that it wasn't me who made that charge if they would reverse all the fees and contact the credit bureaus to clear that up and she said no, that it was basically now my problem to fix and I would still have to pay the amount owed. Who are these people? its $45 that was charge and two overdraft fees, but i am not going to pay for something im not and shouldn't be responsible for. Bank of America is stealing from people and someone needs to stop them.

I have been a customer with since 1982 (at that time North Carolina National Bank) I deposited $855.00 into my business account on 09/17/09, the next day I checked my online banking and my account was overdrawn $310.00. I immediately called customer service, as I viewed my account there was a debit hold for $420.00. This amount did not match any deposited check nor had I authorized any charge to my account. I had several things to post thru the account on 09/17, but the deposit covered those items, but not when B of A put the hold on the account. When I inquired they told me they could not see what the debit was until it posted thru. Today 09/23 after 6 phone calls I fianally learned that they debiting against my deposit. So it looks like I owe the bank money. The problem is that their hold has caused legitimate debits to bounce. The have charged me 6 overdraft fees at $35.00 each. They said that it really was not my money because they had not collected it yet. Well this is a LIE! I contacted all the check issurers and had them check to see if they had cleared their banks. Of course all 4 checks I deposited had cleared their banks. One cleared on 09/18! When I told the B of A customer no service rep this she stated, "Just because the item has cleared their bank does not mean that we have the money, sometimes it can take 10 business days for us to collect the funds. We (B of A) can hold your funds up to 45 days." How stupid does this sound. I have filed a complaint and will close this account when resolved. I changed banks today! I guess loyalty means nothing!

I had been paying perfectly thru their auto debit program for 7 months, when they made an unauthorized charge. I called in advance of an upcoming debit, and talked to a representative Kalib in their Brea, California call center and he "guaranteed it would be changed". Just kept saying no problem, "wont be an issue". Basically spewing lies just to appease me. In my experience the representatives there with some few exceptions don't care, and worse don't seem to know what there talking about. They sound like their half asleep. FIA must employ some of the bottom of the barrel front line service people within the industry. I guess it works Bank of America who owns FIA, states its a profitable division for them. However all that being said when and if you can ever reach a manager they seemed (as they should) more engaged and educated. Good luck in getting thru the front lines.

Bank of America is evil... the problem with this company is they state you can manage your account via checkbook and online but they hold your atm/debit postings back tell a date they fill is worthy of posting. Causing massive overcharges and fees on your account. Be for worned as yesturday I had the account manager of a California branch tell me that you can not count on the online system to manage your account as they state due to there internal system does not mimick the online and online you will not see all your transactions. The bank was rude and said there was nothing they could do since it was there system that held all my drafts tell the 8th of the month even though some of my debits were done back on the 4th of the month causing several about ten over draft fees in the amount of 35.00 a pop. They said it wasn't personal but I have had several people tell me this bank has done the same thing to them and they wavied it but I came in polite and they refused and made fill like I do not know how to manage my account. If you can avoid this company due so with all your might. They are greedy and do not care about there customers. They will blame you tell the end. How are you supose to know that a debit charge that should come out on that exact day would not hit your account tell four days later. They said it was due to a holiday and a weekend but when does the computer for atms transactions shut down? I have made several transactions with this bank on a weekend and never had them hold my money tell four days later in less it was credit debit always came out on the same day. They hold your money tell it is fit for them. Do Not Do Not Do Not go to this bank... You will have mulitiple poblems on all of your accounts. And I have had all kinds of accounts with them that I have gradually closed out due to rude, mean, and non-understanding company. And yes some two over the overdrafts are correct and I was more than willing to pay them tell I had to wait an hour to be seen at the branch and had a manger acuse me of not being able to manage mymoney. Below you will se a copy of my online transaction history that shows my balance being postivie than going negative due to an overdraft fee they charged me and said was for some holds on the 8th that had not posted. Mind you this would not have been an issue had they posted all of my transactions on the date and time they were done. Not waited tell the date the company thought it should be posted. Than on top of that they take out big items first and little items last to add more nsf fees. They are greedy!

This is a copy of my transaction history below as you can see I have taken out the Names of the places but you still see a postive online account in the begining than all a sudden a hit for NSF fees.

09/14/2009 -$9.73 $64.87

09/14/2009 -$10.39 $74.60

09/11/2009 $535.39 $84.99

09/10/2009 OVERDRAFT ITEM FEE -$35.00 -$450.40

09/10/2009 OVERDRAFT ITEM FEE -$35.00 -$415.40

09/10/2009 OVERDRAFT ITEM FEE -$35.00 -$380.40

09/09/2009 -$13.92 -$345.40

09/09/2009 -$23.47 -$331.48

09/09/2009 -$24.54 -$308.01

09/09/2009 -$84.92 -$283.47

09/09/2009 OVERDRAFT ITEM FEE -$35.00 -$198.55

09/09/2009 OVERDRAFT ITEM FEE -$35.00 -$163.55

09/09/2009 OVERDRAFT ITEM FEE -$35.00 -$128.55

09/09/2009 OVERDRAFT ITEM FEE -$35.00 -$93.55

09/09/2009 OVERDRAFT ITEM FEE -$35.00 -$58.55

09/09/2009 OVERDRAFT ITEM FEE -$35.00 -$23.55

09/09/2009 OVERDRAFT ITEM FEE -$35.00 $11.45

Statement Period as of 09/09/2009

09/08/2009 -$3.20 $46.45

In sept 2008i talked to my mortgage company at the time countrywide, about a special forberance due to hurricane gustav. I had never been late on my mortgage so they gave me a three month forberance .My arm was going to adjust and i knew i would not to be able to afford the 500.00 a month increase on my note, my husband is in the construction business and things had really slowed down, we tried to refiance with countrywide but needed 30, 0000 . So in Dec, countrywide fedex's a 10year interest only modification i did not like it but we accepted it had it notarized. Started the payments as stated in the modification, but countrywide called three or four time a week asking when i was going to make my payment .everytime i talked to someone i had to go through the whole situation, some knew about the modif some did not.
Somedays i would talk to to or three different people all saying different things. but the hope program knew what was going on and said it would take countrywide at least 120 days to update their records.they never did.
Then in june 09, i was told on the phone my modification was canceled stop making the payments and no one knew why. I did not listen kept sending in my payments then in july they sent my check back, so i mailed one in august they cashed it. Now they tell me i am in review for the making home afforable program but said i probably won't qualify because my expenses were over budget 300.00. but they will put it through and for me to call back in a week. I have been dealing with this crap for a year, I have never in my life seen a business run like this. many times i wanted to just give up. but they will have to drag me out kicking and screaming i won't give up. I will call my congress, president anybody i need to.

Bank of America recently bought out Countrywide and refuse to honor an existing Modification Agreement I have in place. They have refused to accept anymore of my Payments in accordance w/my Modification Agreement and have turned my Home of 20 years over to a Third Party Law Firm who is filing Foreclosure on my property. This Bank is all about theft of property while their executives have been given millions by Obama Administration for the stimulas plan, however; no one internally knows how is works yet! I have hired a Lawyer to go after this white collar fraudulant company who all hold titles of Vice President.

i came to mexico (tijuana) and i tried to get 10 bucks out of HSBC atm and it gave me all of my money on my debit card... Now..i go online to bank of america to check my account money and it says minus...it wasnt my fault i tried to get 10 bucks and it gave me all the ###ing money i had, now i prolly owe you guys money and its not my fault what can i do...

I am both a mortgage and credit card customer of Bank of America (BOA). Earlier in the year I held two BOA credit cards. Under promotional rates I transferred balances to each credit card. Around March 2009, BOA took over the Upromise credit card program from Citi. At that time my two existing BOA credit cards were enrolled in automatic payment plans with Bank of America.

When I received my new BOA Upromise card, I also set that up for automatic payments. According to a BOA rep, BOA then added a "profile" for my new Upromise card to my online account access. According to the same rep, that process always cancels anything that is set up on my existing online banking accounts. They specifically told me that their update of my profile reset my automatic payment enrollment option to "No." Of course I was not made aware of this, nor did BOA obtain my consent to do this.

The result of BOA's actions were to charge me late payment fees and increase my interest rates. On my call to BOA, the rep immediately acknowledged the issue and corrected the problem, agreeing to credit the over charges. I specifically asked that all features be returned, which includes balance transfer promotions. I was assured this would be reflected in the next billing cycle and that my auto payments would resume again at that time.

Long story short, the balance transfer promotions have been cancelled and BOA has been charging me excess interest for the last 6-7 months. BOA has simply stated that they cannot comply with my request at this time. BOA will not provide senior management contact information and has solely directed me to their "Customer Solutions" mailing address.

This amounts to fraudulent activity and theft in my opinion. I will attempt to contact BOA one last time over the weekend before attempting to contact senior executive Richard Struthers. That failing, I will certainly file suit.

If you have experienced a similar problem with BOA, please feel free to send me a message using this website. To the extent a class action suit is filed, this will be helpful. To the extent my issue is resolved, I can provide you with information about how it was resolved.