Bank of America

Today I went to several Bank of America’s because I received a refund check from my medical supply company. I do not bank at Bank of America so I just wanted to receive the $50 check amount. First my GPS brought me to a Kroger Branch. Only to find out the Kroger Branches do not cash checks for non-acct holders ... really? I found another branch 5 miles away and went there only to find out that since I had a check issued by a bank and not a personal check, Bank of America would charge $6 fee to cash the check. WTH? That is outrages, what extra handling does this bank do for a check drawn on a company bank vs a personal check. The process is the same. This bank is ### the home of the bank fee bank. All businesses and their customers be warned, your customers may not be able to have your checks honored at the bank they are written on without incurring a fee. I get personal checks cashed their monthly as I receive a support check from my ex. Every time they go into the song and dance how I should open an account with them. Thank you, Bank of America for giving me more ammunition for your monthly sales pitch how I loathe your company. I will tell everyone I know not to bank with you and if I find people who do I will encourage them to switch away from Bank of America. I hope the exodus from Bank of America continues until they bankrupt themselves!

I had a period of time when my account was overdrawn, therefore, when I made a deposit, I fully understood that part of it had to be held. However, I made a deposit from my account in another bank on 1/4/12 that cleared on 01/6/12. Bank of America initially said that most of my deposit would be held until 01/11/12 and then CHANGED it to 01/13/12. We had just moved back to Georgia and could not afford to wait two extra days for our funds. So when I made a purchase, BoA cleared it AND charged me overdraft fees! I complained and they said - sorry - if there is a hold, that means anything that comes through until the hold is released is NSF! I made another deposit three days ago and was told more than $400 would be held and available on 1/24/12 after 5 pm. Fine, I even checked it AGAIN today to be sure. SURPRISE! I went to check through at Walmart - NO MONEY. Horribly embarassed, I came home, chedked the account only to find that they decided to hold it an additional day. THIS IS OUTRAGEOUS! How can they legally get away with this? I plan to close this account as soon as the funds are FINALLY credited and live on a cash-only basis.

Bank of America charged me $140.00 in fees on 1/9, and they posted my support check ($758.00) on 1/10. When I complained they wrote that after reviewing my case they would issue a $35.00 credit, it's just utterly ridiculous! If they were in the right then how do they justify the $35.00 credit, was it a gift? I also love the sarcasm, "esteemed customer" and pointing out that my savings account was at zero! I'm a divorced mother of two working 24 hours a week while taking the prerequisites for nursing and my child support was over a month behind! I don't think the banks in general are in any position to make sarcastic remarks about managing ones finances! I have written to them several times to no avail! They claim they are justified and wrote the following, "Please be advised the $758 credit from CT Child Support is an Automated Clearing House (ACH) transaction. After reviewing the ACH transaction details our records show that the credit was scheduled by the initiator to post on 1/10/2012." Why would CT Support Enforcement make me wait till the 10th to receive money belonging to me? How convenient for BOA! According to CT Support Enforcement's automated service the money was deposited on 1/6. Now after paying bills I'm left with $40.00 in my account till next Friday, and I can't buy gas, groceries or anything else! The best part is that of the checks they "covered, " not one of them totaled $35.00. Bank of America's policies are the sad result of corporate greed!

on June 18, 2010, I received a court summons regarding my property taxes. It stated that my property had been sold at tax sale for an amount totaling 6, 211.73. It also came to my attention after much research that Bank of America Hoam Loans had been paying taxes on the wrong property which are escrowed from my monthly payment, even after I faxed a delinquent tax notice and attempted, in good faith, to correct the matter in May of 2007. Bank of America confirmed having received the fax via a letter dated May 27, 2007, but never corrected the matter. They continued to pay my taxes on the wrong property, which resulted in my property being sold to a bank. I even visited the Office of Tax and Revenue and had to have a representative explain the steps that BOA needed to take to prevent my property from being forclosed, but it took over 20 phone calls to get someone to finally understand that I could lose my home because of this error.

It took me several weeks to get an answer from Bank of America. I called customer service and requested that they transfer me to a tax representative. On several occasions, I was told that they would not transfer me to a tax representative and that I was responsible for paying the correct taxes, not Bank of America.

On June 28th, 2010, I realixed that attourney's fees were taken out of my escrow account to cover the legal costs of the plaintiff - Capital Source Bank Aeon Financial, LLC to be paid to Malik J. Tuma from the Tax Lien Law Group. This caused my mortgage payment to increase from the sum of 1, 118.73 to 1399.43.t one point, BOA attempted to pay the delinquent amount including attourney's fees and back taxes from my escrow account causing my escrow to go into negative. Bank of America fixed that problem after several angry phone calls to Mr. Araniva.

Presently, my mortgage is increasing again because I have a negative escrow. Bank of America assessed my taxes to be less than they currently are because they assessed the wrong property and I still owe the money that they paid out for my 2008, 2009, and 2010 taxes even after getting credits from the DC Office of Tax and Revenue. I have paid my mortgage on time since I opened my account with Bank of America. I have also spoken to numerous tax representative who have stated that they believe Bank of America should absorb all costs, including all taxes paid to the District of Columbia. I have requested via letters and phone calls that Bank of America absorb all costs associated with their error so that my escrow can transition into being positive. I have also requested phone calls bank both from Mr. Araniva and the V.P. Michael Bentley, but have not received any calls regarding my negative escrow. Now my mortgage is going to continue going up, making it more difficult for me to make my mortgage payments...It was not my error to begin with. Bank of America should have taken immediate action to begin with, but failed to do so in a timely manner because of their negligence in changing the property parcel and lot number like I requested them to do back in May of 2007.

We had a credit card through bank of america and due to my husband losing his job, our perfect credit history suffered and first the first time in our lives we were past due on our payments. My husband made an agreement with boa and made payments according to this agreement and they went ahead and turned our account over to collections. My credit report shows that after a short period of missed payments, the agreed upon payments were being made consistently. I don't understand how they continue to get away with this.

Whom It May Concern:

Yet another reason to not get another account at BoA.
On Friday of last week, I received my refund of my overpayment of my escrow account.
I purchased this home in June of 2011 and told BoA that my taxes would be less than $100, as I am a disabled veteran in the State of [*], and they provide a large discount for property taxes. BoA stated that they wouldn't be able to do anything about it until my tax bill came due, and they had proof of it. No problem, I'm used to corporations feeling that they are superior to everyone, and that no one they deal with has a shred of decency or honesty...particularly bankers, as they tend to spend time around other bankers and see such traits. BoA further stated that they wouldn't send my tax payment to the county until they received the bill.
In October, I received my tax statement (showing I owed $61.00 in taxes...that is not a misprint, it is sixty-one) and dutifully sent it to BoA (expecting them to receive it three days after I sent it...after all, BoA states the same thing about anything THEY send). Apparently, in my ignorance, I didn't send it certified mail. In December, my wife sent an email asking if BoA had received the tax statement, and paid the taxes. BoA claimed they did not receive the statements, but without ANY documentation of any kind, decided to send the full amount in my escrow ($3800+) to the county. They further stated that if I wanted the overage to be returned, I would have to deal with the county.
So, I called the county. They stated that if they received an overage, they would cash the check, apply whatever is required to my tax bill, and then send a letter to BoA asking them what to do with the overage. BoA would then fill out a form, send it back to the County, and request the overage be sent to them. The County would then send the money back to BoA (presumably, BoA would not receive it, but just in case they did), BoA would then eventually issue me a check.
That scenario was entirely unacceptable, so I called BoA, and spoke to a gentleman named [*], who took ownership of the problem. He corrected my tax bill, he corrected my escrow to reflect the correct amount of my taxes, and managed to get the refund check to me on Friday, Dec 23.
So now, I took the check to the local BoA branch. After having to prove my identify through four pieces of ID, my wife and I got the check cashed. Only to be told, that because we don't have a checking account with BoA, we would be charged six dollars. Now six dollars isn't going to break me, but let me point something out to you. BoA has my mortgage of $195, 000 (not by my choice, but BoA bought it from someone else, and presumably felt they could make a profit off of it). The interest rate on the mortgage is five percent. Over the life of the mortgage, BoA will PROFIT nearly $100, 000. Further, we have a credit card with BoA. Its interest rate about 9%. We use that regularly, and rarely pay off the monthly balance. On top of all that, you kept my additional tax payment (of $3800) in escrow for six months...not paying interest to me on it. So here's what's bugging me. You can take the six dollar service fee, and stuff it so far up your ###, that it comes out your throat. You can further be assured, that in the interest of full disclosure, I will contact every person I know, pass by, or can contact through email, telephone, telegraph, carrier pigeon, smoke signal, or hieroglyphics, and let them know my opinion of Bank of America.

I am so upset with this bank. It is becoming a serious issue. No matter how much I try to stand by this bank, it seems to burn me each time. I have been trying to stay steady with my bank account, and trying to be responsible, but to no avail they always pull something. For one, I feel as though with technology the way it is there is no reason why if my account went negative should I get an alert 4 days later alerting me of a fee which I could have avoided had the alert came within a timely fashion (the moment it occurred). I'd rather have too much money in the account and be covered than not enough and be docked! And the FEES were only caused by a late notification, because I cant stay on the website 24/7 monitoring my money...and for the fact that they decided to send out online bill payments by check, instead of immediate withdraw electronically which I prefer. Now all my bills will bounce because of numerous fees being added on, and I can never catch up with my bills because I am constantly paying the bank that is supposed to be making things easier for me. This is ridiculous! The only reason I have not left BOA is because their bill pay has all of my creditors, else I would have already left for my local credit union!

I would like them to address the issue of their notification system being delayed, and perhaps making it notify you of pending and processing fees the moment they occur, and with enough notification to prevent it before the end of business day when we will be charged. I would also like to see a better notification of when bill pay will send out the payment via check vs electronic while I am scheduling my payments. I should be able to choose which I prefer. It is my understanding that electronic transfer puts the power of our money in our hands when our funds are released, and when checks go out it puts the power in the hands of the payees of when they want to cash it, which screws up personal financial planning. And let's face it, its hard to be perfect in this time of economic hardship, and balancing your paycheck is hard when everyone is eating your money. I put my entire paycheck into BOA, and never have any cash on me, when my account hits all of these fees, it puts me and my son at risk with no money till next pay. I have been with BOA for a long time now, I want my money back!

I receive a letter from a company telling me i won a sweepstake they for $5, 000.00 went to the bank and deposited the teller informed me it was a good check deposit the check i recieved a letter 4 weeks later telling the check was fake that i was reponsible for depositing. as a result of that they put me on checksystem i can even open a bank account anywhere i can even get a job if they backgound check i don't think that fair what they did to me i have 3 kids to support the whole sutuation stress me out much i don't know where to turn.

Bank of America is now our mortgage lender. We didn’t choose them, they bought our loan from another lender that was struggling in the mortgage crash. Since taking over our loan they have demanded several thousand dollars, threatening foreclosure saying we missed one payment over a year ago hoping we wouldn’t be able to present evidence of payment.

Well, we did present the evidence but they ordered us to pay anyway. (6, 500 dollars) about a year and a half they did it again. once again I got the canceled checks to prove they were wrong and I ended up paying another $2500 and then $4500 to resolve the dispute. About two months later they tried again, this time I went to a local Bank of America branch and told them to keep their #%$^N house!

I then had an attorney contact them and it kinda went away (I’m sure they will try again). Now they are refusing to endorse an insurance check to replace our roof that was damaged in a hail storm. They want us to endorse the check and give it to them. I believe that is not only Fraudulent to us, but It might be insurance fraud as well. Bank of America has lied to us on several occasions, misled us on several occasions, and as I said cheated/defrauded us on more than one occasion.

Doing research, I found out Bank of America does this type of fraud to many or all of it’s customers. So much that a mass law suite led by a firm from Georgia is trying. It appears there are many thousands of customers claiming fraud are involved in the law suit. Message here is, “Stay the hell away from this crooked bank/mortgage lender” Unbelievable that a company could operate this way and the government, banking regulators and the legal system in general let this happen. Shame on Bank of America for cheating people.

Bank of America is completely un-trust worthy. They want to record the phone conversations but when informed the other party is doing the same. They will not permit it. Why, because they are un-trust worthy!
The fact that they request permission from the party they called; is clear proof of consent to the recording of the conversation, if they claim it is not then under CA law, they have committed an illegal wire tap.
If they record any part of the conversion before all parties give consent again under CA law, they have committed an illegal wire tap.
When the party they called gives consent, all parties have the legal right to record the phone conversation under CA law and US law.
When informed of the recording by all parties Bank of America agents try to make it sound as if the called party is refusing consent.
When forced to admit the truth, the agent’s reply is, “Bank of America does not wish to engage in any recorded conversations”. They end the phone call. You can bet that is not what is written down about the loan account. A record of the truth will not happen with these types of dishonest
Companies, they are such absurd liars.
It is a shame Bank of America can buy up loans without the permission of all parties.
It is time for the public to know the true nature of Bank of America and others like them.

I have been banking with Bank of America for years. I've had several
checking accounts with them as well as a couple of credit cards (one
personal and one business). I'm in California and am a home loan
officer by trade. Needless to say, the real estate market here has been
in the dumps for the last few years and I haven't made very much money
in the last 3 years. When all my income dried up, I managed to keep
paying all my bills and maintaining excellent credit for 2 years.
Finally in July of last year (2009), I just couldn't keep it up. I had
to stop paying my credit cards. This resulted in Bank of America
charging off the account back around April of this year.
I have
been squeaking by right now on about $700-1100/month. I'm even
collecting food stamps and my daughter and I are currently on Medi-Cal.
So my checking account rarely had more than a few hundred dollars in it
at any one time. I managed to put together a deal that netted me about
$2, 900 and I deposited it into my checking account and immediately used
it to start paying some bills, including my rent for July (I'm behind
right now). I deposited the check on Friday and on Monday there was an
$1, 144 debit in my account! They took everything except the checks that has already cleared and they left me with a
measly $100 in my account! This has caused me an extreme
financial hardship. My rent check was also written against this account
for $860. Now my rent check won't clear and my daughter and I
potentially could be living on the streets!

I
know in England, where our law of setoff descends from, they are not
allowed to take the money to satisfy a "non-priority" unsecured debt if
it causes hardship to the consumer in paying their "priority" bills
such as utilities, mortgage, rent, etc. - basic necessities to live
kind of stuff. Here in the United States though, the BIG Banks can do whatever they want even if it means putting families with children out on the streets!

A couple of weeks ago, my husband activated a new credit card. During that call, he was offered the option to transfer a credit card balance at which point he handed the phone to me. I decided based on the information presented to me by Cory Clark that it made sense for us to transfer $5000 to his credit card; however it was not disclosed to me that there was a $200 fee. We intend to pay off the balance before the end of year and had we kept the balance with American Express, we would have incurred lower fees in interest. I would have never agreed to this had I known there was a fee. I even asked if there were fees associated with an early pay off and was told there were no fees associated to the transfer.

I spoke to three different people at BofA tonight and no one is willing to reverse the fee. I have been a customer for 20 years - we have two mortgages with your institution, two savings accounts, two checking accounts one of which is a Prima account, and both of our children have savings accounts. We decided to stand by them during the debit card fee debacle, but I will take my business elsewhere if this fee is not reversed. I feel taken advantage of and deceived and am questioning their business ethics.

I have been banking with BOA for over 10 years and have the American Express card by BOA. I usually pay off our card each month because I use it for everything to accumulate points. With no advance warning my credit card was declined and when I called they stated it was closed due to but there was no reason why and i can call the account closure department. I have called and gone into local branches and no one can seem to help me other than directing me to call the account closures department. That department is simply a recording stating they are with other customers and stresses twice at the beginning and at the end that it is the BOA is not required to explain the reason for the closure. So basically they say leave your name and number and we will call you within 24 to 48 hours but it is their policy and they are not required to tell us anything. The worst thing is I have over 160, 000 points that I wAS saving and I cannot even access my points account because the card was closed and was told when I called that the points are usually forfieted when accounts are closed! REALY! I am moving the rest of my account to another bank and so will the rest of my family but I feel like something has to be done about this unfair business practice. Is this what i get for being a loyal customer

We paid the amount of two (2) mortgage payments at the end of December, 2009 to Bank of America who services our Veterans Administration loan. On Dec. 29, 2009, one-half the amount sent was posted as a regular payment with the appropriate amount applied to principle, interest, escrow, and the other half was dumped into our miscellaneous category along with additional funds which now total nearly twos full payment amount. Despite vigorous complaints via email, we cannot get a response regarding our mortgage account.

This misappropriation of our mortgage payments have deprived us of at least the amount of interest which should have been applied to our 1099 Mortgage Interest and included in our 2009 Income Taxes.

We have demanded a written response in the form of an explanation of the above actions but have been denied same.

We want to file complaints with officials of the Bank of America but cannot obtain the names of the officers, i.e., president, chief financial officer, chief auditing officer, mortgage loan manager, customer service manager, etc.

My annual enrollment packet for health insurance offered no options. My online acct was the same. I called last Tues and started a service request 2-[protected] phone for enrollment is [protected]. I have called 4 times since then and I have no faith that they even know the problem much less anything being done about it. I had other problems with them last year after Tom's death. I am the domestic partner of a deceased B of A retiree. Since Tom's death the Bank has been horrible to me. I realize they don't much care for things like domestic partnership in Charlotte. But it is law in California.

After 2 Years of my wife & I applying for a Loan Modification through Bank Of America ( BAC Home Loans Serviceing ) the Bank Actually confirm they received all the paper work! We were Instructed by Bank Of America Not to pay for the Month of March 2010 our 3 payments start in April, May, June 2010. After 3 timely payments we were told that we would be permently enrolled in the Modification. It even states that on their own websit. However thats not what happened. You see even though it took us 2 years to apply & finally get a temporary loan modification untill 3 timely payments during the waiting game that the Bank does ( Intentally) I believe the Bank is waiting for a reason to say hay you guys dont qualify thats what append to us she lost her job so insteas of the Bank helping us they urt us by telling us Lies reason # 1 why we did not qualify ( we paid our Trial loan modification late. Lie # 1 from the Bank I proved them wrong by our BANK OF AMERICA CHECKING ACCOUNT SHOW TIMELY PAYMENTS. Lie # 2 we simply did not qualify ( WE MET EVERY CRITERIA SET FORTH IN HAMP DEPARTMENT. ) This is the 3rd Lie & the one they ( BAC HOME LOANS has been saying to my wife & I ) EXCESSIVE FOREBEARENCE... Its no isolated incident that this is a schem to make more money for the Banks ( WHERE IS OUR GOVERMENT STANDING BY ALL THIS ) IT WOULD TAKE THE US GOVERMENT 99 YEARS TO FIGURE OUT OR DO ANYTHING WE WILL BE DEAD BY THEN... Loan modification..we applied in late 2008 & we are still applying even now with 2 different lawyers..

Organic apex will make you pay for "marketing fee" for nothing... Our company's name has never been at the top of the search results pages on any search engine! Organicapex.com sales person is terrible on the phone. They said they could get our website in the first page and push back the untrue complaint one of our exemployee made but I can't see any work done. When we tried to cancel our services with organicapex and get our money back but it seems that is impossible as we can't reach anyone from that firm!

Three weeks ago I deposited my husband's paycheck and Bank of America put a hold on 673.00 until January 29th. Since automatic payments have come out and they are charging me 35.00 per fee, until this date they will have used up most of the money that is on hold in fees. Mark is the branch manager and I explained my situation, he told me to come back next week after more fees had been charged and he will credit them, I did and he acted like he knew nothing of the situation. Very Very poor customer service.