Bank of America

I recently submitted a claim to my Insurance company for a flooded basement. I called the ins co and the adjuster told me the process, he said that a check would be issued and we could choose to either get the work done or not, it was up to us pretty much. I received the check for $3462.00, not huge by any means. The check is made out to my husband and Bank of America. I called Bank of America for endorsement and was told we would need to hire a contractor and they would give us the money when the work was done and they would need an inspection. It's only carpet and some drywall. Is there a minimum amount they need to hold a check like this? I am not sending them MY money, the check will get shredded and nobody will get it.

B of A assumed an installment loan, with a principal balance of approx. 15k. The original amount of the loan was 24k, and we had made 48 of your the 108 payments. Bank of America statements show that it assumed 24k and changed the terms to a revolving line of credit, which added an additional 14 k to the loan. I have provided proof that the loan was originally an installment loan. When I do have someone admit that it is possible, I am told that aI agreed to the change. To which I respond no one in their right mind would agree to add three years of additional payments and 14k additional dollars. The loan had an 8.9% interest rate. The payments were 330.20. We have paid nearly 45k on the loan and have been told that w still have a balance. I believe that we have already overpaid the loan.

I called my bank of america card at [protected] to check balance but kept being directed to speak to a representative because I was chosen to receive 100$ on my card for shopping at major stores such as walmart target home goods etc I said ok but I just want to know my balance he asked me for my account number and expiration date which I provided next thing I know I'm signed up for 39.99 to be taken out of my account after a 15 day trial I said I just want my balance they then asked for the last four account number for verification I did they then asked for my email address so they can send me the details of the promotion and that a number will be provided to cancel I said ok I need to know my balance they gave me [protected] which was not in service I called the customer number back and now it was the regular automation telling me what it normally does that's when I realized I was scam so how they were able to infiltrate your customer service number after speaking with a representative they told me to contact this website to complain they have not taken anything shoot there is nothing to take at this time I was issue this card through unemployment I can't afford to be scammed

We began shopping for a home loan for our new home purchase 2 months ago. We were told the whole process would take 5 weeks and given a decent interest rate from one lender, but then Carolyn Riddleberger from Bank of America promised us she could do better. She assured us of a lower interest rate as well saying the time deadlines could easily be met. We were buying our home from a relocation company and they requested proof that the loan was done 2 weeks prior to closing. She assured them as well as us that everything was approved and done at that point. She had 4 weeks at that point to get everything done. The week prior to closing she came back with random ultimatums telling us we had to close credit cards and provide further proof of our jobs or else. She refused to answer any of the questions that we asked her. We went above her and spoke with her supervisors. Even after this, she continued to call us telling us things that supervisors were saying the opposite of. The ENTIRE process of dealing with her has been a nightmare and has ended up costing us about $5, 000 extra as well as the house we wanted.

Claim for Paul Smith, loan officer, ELoan Company (www.eloan.com)

After i paid $435 as guarantee fee for $1500 loan, he continued to ask me to pay another $190 for processing it.

10 Oct.2014. I answered a phone call from Paul Smith, he told me that if I loaded $110, he would process $1000 loan for me. I asked whether it would be available or not if I loaded two vouchers, because I had one with $50 in it. He answered “no problem”. What I needed to do it was to load $60 in another voucher. After i finished loading, he told me on the phone that it couldn't be processed, it should be available in one voucher. So i loaded $150 in one voucher for loaning $1500. Then he processed it. Half a day passed, he said that something was wrong with software in the eloan company. So he had to arrange transferring money via Western Union, asked me to load another $172 in one voucher as transferring charge, i did without second consideration. One day later, he said that i had missed my middle name in the application form, so it would unavailable for transferring loans via Western Union, what I needed to do was to load another $172 in one voucher. If I wanted to get the funds to my bank account, I needed to load$190 in one voucher. The following is the letter Paul Smith sent to me:
“Actually the thing is that we are returning all the money which you had paid and this $190.00 as well so that's why you will receive $2122.00 into your account but you need to pay unblock charges of $190.00 …….. so until you pay $190.00 i can't transfer the funds.”
proofs i will upload later

My wife and I recently went to the Bank of America branch in Murphy, TX on FM 544. I want to file a formal complaint against the Assistant manager, Anayeli Cigarroa, and the branch manager. They refused to provide quality customer service and were both quite rude. Anayeli Cigarroa is apparently prejudiced against white people. She told me “white trash men like you have no class.”
I had a check drawn directly from my TDAmeritrade account and she refused to make the call to verify the funds. Her supervisor, the Branch manager also refused to release the hold on my funds. Then she looked at me and coldly asked “Why do you need the funds?” I told her it was none of her business what I needed to use my own money for.
The Branch manager told my wife to shut up or he would not release the hold. Then they asked me again what the money was for. Their behavior was rude and inappropriate. I am a high asset customer who will likely take my business elsewhere. I also intend to tell this story to a friend in the media.

I have been requesting a home loan modification since 2011. I was told by bank of America to contact an agency locally that could help me obtain the proper paperwork to do so as well as help me fill it out and make sure that I had all required documents to send in for the request. I did so and was told by my local agency that i qualified for a modification on my home loan, however every time i turned around they were requesting the same documents that i had already sent in repeatedly. This went on for more than a year in 2013 they decided to give me a trial home loan modification however it was not a loan modification it was actually an increase they raised my house payment over 200.00 more a month. how do they expect people to pay more when they are not able to pay the required amount which is why they are asking for it to be modified. I am now back in the cat and mouse game of re applying for a loan modification they are constantly switching who is suppose to be my contact and when I do finally get someone they never return my phone calls. I have sent the home affordable papers several times along with the list of required documents and again they are saying they didn't get certain pages or they need something else or something was not signed. I do not get how if they got the packet they find their selves claiming they didn't get certain articles of the packet?! Someone needs to step in and hold Bank of America accountable for people losing their homes due to their lack of assistance and they also need to be fined for not using the bail out money properly please help

I was diagnosed with breast cancer sep 2013. My home loan is with bank of america. I contacted them to see if they could forgive my loan payment for six months. I completed all kind of forms and dealt with representatives from co. n caroline, simi valley asking for the same information. i had sent this information to whoever asked for it. this went on from oct thru apr 2014. finally they told me i was approved for harp. i had already advised them in many letters and phone conversations that i did not wish to refinance or have late fees waived. my answered to them did satisfy them because i continued to receive letters from them (simi valley co, n caroline asking me to submit payment under harp with the special coupons they had sent. I made my regular monthly payments timely but the payments sent for may and june 2014 was not applied to my mortgage. I called stating that my payments had not been credited talking with customer services. they advised that the payments had been received but had not been applied. they could not apply until my customer manger, corey [censored]an released the funds. i telephoned corey he advised paperwork would have to submit and that he would take the necessary action and would let me know when accomplished.. on friday ( jun 27 2014) i was advised that bank of america had reported to the credit bureau i had not paid my may 2014 payment. their mishandling has ruined my credit. corey [censored]an was telephoned but his voice mail notified me he was on out of the office til sometime in julyand to contact his supervisor for immediate assistance. i contacted the supervisor she was not avialable and left her superviors name and number. i left a message and contacted her supervisor. he was not available and i left him a msg.

I have been working with bob baer w / boa. I filled out every single packet they sent, every single piece of paper, and i have recording after recording of him agreeing over and over to our loan modifications. We in fact ask him on the phone over and over to repeat that he is agreeing to this and he does agree repeatedly to "his terms". After i mailed the money bob baer asked me to, i never saw the modifications, we called him out on it and he said he never agreed to any terms. We told him we had every phone conversation recorded and he hung up on us. A month later i came home to find out my home had been foreclosed on. He was dual tracking my loan. Boa was sued in federal court for this. My attorney called bob to try and work something out and he is ignoring us. I am losing my home in ten days because of this creep. Record your phone conversations and keep records of everything! We're in the process of filing motions in federal court. Good luck and god bless. We are also posting the phone conversation on youtube with other documents to warn consumers about bank of america. They are awful and should not be in business.

I brought 5 articles of clothing to Countrywide Cleaners for dry cleaning services. When dropping them off, I verified that all articles of clothing were being Dry Cleaned only. One of the articles of clothing was a merino wool sweater, which shrinks unless its dry cleaned.

After picking up my clothes on the following day, I noticed that two of my pieces were damaged. The metal designer tag on my polo was nearly ripped off of the shirt) and a large yellow stain appeared on the shirt. My merino wool sweater was shrunk to nearly half its original size. I verified with another dry cleaning company and the manufacturer of the sweater that proper dry cleaning would not shrink this article of clothing.

I was told that the manager of this location would call me the next business day(monday), but that did not happen. The business does not return/answer my phone calls either.

After further investigation, Ive learned this business receives an F rating from the better business bureau.

January 2014 I applied for a home loan modification with Bank Of America to try to get my mortgage payments lowered. I got behind on my bills and I knew I would NOT qualify to refinance. They had me fax, mail, and fax documents while the entire time they were assuring me that things look "really good"..I am disabled and I have a teenage child who also receives social security because of my disability. When I first applied for my mortgage they used my daughters income and now that I am trying to modify my loan they are telling me that they CANNOT use her income. They want to do a Short Sale. THAT IS NOT GOING TO HAPPEN! I am NOT behind on any mortgage payments and don't plan on it. They suggested for me to stop making payments for 2 months then it would be possible to get the modification approved. WHY? Why should I take the chance of not paying my mortgage payments and losing my HOME? We have NOWHERE else to go! I have NO other family! I think the Bank of America home loan modification process is a TOTAL SCAM! Is there anyone out there that can help us? I REFUSE to let BOA win!

I have been attempting to obtain a partial land release. We have 40 acres and want to sell 35 of the farm land. We have an equity loan with Bank of America and need them to authorize a release and tell us what requirements we must meet to do so. Our primary mortgage holder (Citicorp) has authorized the release as we have completed the paper work, obtained a survey and had property assessments. We are due to close on the land sale in two weeks (per Citicorp) and I STILL HAVE NOT HEARD A WORD from Bank of America. I was told we would receive documentation within 48 hours and that was two weeks ago. No response to email when referencing equity but if I do a general inquiry, they say they will look into it. When I call the department, I can only get a recording stating they will contact me within 48 hours (not a single call back yet). When I speak with customer service, they can do nothing except to send the department an email escalating the matter. The sale may fall through as we have NO idea what Bank of America may require. No one at Bank of America can get us in touch with a single soul in the PARTIAL RELEASE department. I also found out while working with a loan modification rep (who is very helpful) that our account information was a mess. Even though the statements have both our names on it and appears on both our credit reports, the account was listed under the husband but with the wife's social security. We had to send a copy of SS card, make MANY calls to corrrect THEIR ERROR which apparently occured when they took over the LaSalle Bank business with whom our accounts were with originally. It took nearly TWO MONTHS for them to correct this. Different departments had different information - what a mess. Funny...they sure have the information correct when payment is due. We will be cashing in some investments just to pay off our equity loan and be done with Bank of America. At that point we will close ALL our accounts with them, and there are five. They give misinformation IF you are fortunate enough to get in touch with a person in the correct department! NO ONE can help you ...so much for customer service. I will never again do business with Bank of America.

We applied for the making home affordable program. What a night mare. We applied over 2 1/2 years ago, still at step one. We have sent the paperwork the same paperwork over and over again. Won't let us talk to a supervisor. We have some case worker that calls every 7 days to say it is in review. What a joke, I have screamed yelled etc nothing works. I am gonna yell to everyone who will listen BANK OF AMERICA WILL SCREW YOU. OUR HOUSE IS NOW TWO YEARS BEHIND IN PAYMENTS.

We had a pipe burst the Sunday before Thanksgiving, 2013. AAA handled the
insurance end, and was so poor that we had to hire a public adjuster to force
them to pay for the damages. Of course, as holder of our mortgage (originally
through Countrywide), BofA was
listed as co-payees on the check. I called the property claims division to get
instructions on how to proceed and followed them to the letter. The first
disbursement check that was sent to us was for half of what it should have
been and took two weeks to arrive. Even though the check was drawn on BofA, they still wasted precious time in disbursing funds to us. This was the end of January, 2014.

I had our contractor lined up & ready to start, but didn't have enough money for the deposit, so we had to wait for the remainder of the original disbursement to be sent - another week went by. To get the rebuilding process started, I put several things on my personal credit cards, which shouldn't have been necessary. We were finally able to begin the real work in the end of February, 2014. The first visit from the inspector was another fiasco, where he was only available between 11am and 12n, so I had to take more time off of work to be able to meet him on his time line. He put our progress to that point at 68%. BofA called to tell me that they'd only release another fraction of the second disbursement. I was able to persuade a manager to send the whole amount after faxing all the bills I paid out of pocket to that point.

The last of the work was completed on March 10, 2014. I called to have the final inspection and disbursement released. We're in the process of refinancing with another bank. They have told me that BofA won't send them the payoff settlement figures, which is another game they're playing with us. The inspection is scheduled for today with the same inspector as the last time. Somehow, our insurance report is mysteriously now missing from their files, even though he had it the last time he came out.

Dealing with BofA property claims through this process has added insult to injury.

We gave back our house in Sept. 2008 rec'd our Deed of Lieu in 2012 when Bank of America sold the house to a Bank in New York in Feb. 2012 never telling us of the sale; we found out when we went to Kingman, AZ, treasury's office and paid for the copy showing the house was sold. We each filed an 1099C in 2012 with the IRS. We have made several attempts to have them remove the $179, 713.00 amount from our credit reports as they do not own the house, NOR do we owe them money. One time we were told to just get an attorney and sue, knowing their deep pockets and Government backing will allow them to commit these ILLEGAL acts and get away with it. We are convinced there are many if not millions out there Bank of America have done this too! By still being on our Credit Reports for money NOT owed to them they have ruined are Credit and Reputations, Characters as I can not find a job even with an University Degree because of my credit, and Kathy who is Disabled can not get a vehicle that can carry her chair/scooter so she can go to the Doctors, and other places. We also fell that they have done this as a HATE CRIME toward us as we have turned them in to you which turned into a Class-action Law Suit involving several states. Sincerely, GloryaJane Ryan & Kathy A. Blakeman.

I live in North Carolina. My card was declined in Tennessee (an adjacent state) because BOA decided I was "out of my area". I called and told BOA that I was going to be traveling cross-country and in Mexico. They agreed to let me out of my playpen. On the 6th day in Mexico my card was declined. When I called they said I had been "gone too long".

Their rationale seems t be that if my credit information was stolen online it might get used in another state or country. That's reasonable but I told them WHERE I was going and left a trail of gas and food purchases across the country into Mexico. In another country is the worst place to be stranded without credit.

My Complaint: If the computer can be programmed to cut off my travel because I am not in my home state or have been on the road too long, why not hire a high school programmer to have it send me an e-mail and allow me to verify my location a day or two before cutting off my credit and causing huge difficulties. Answer: because BOA COULD CARE LESS.

Bank of America steals money from every international wire transfer they process for their account holders. The way the scam works is that they do not conduct international wire transfers in dollars. They convert the dollars into the foreign currency at a very unfavorable rate for the account holder, far worse than the normal exchange rate for that day. When the money is received, about 5-7% of the transferred amount remains in Bank of America's pocket because of the below market exchange rate they use. They rely on their account holders to not compare the exchange rate they provide with published rates online, due to the account holders' assumption that this large American corporation would not engage in such bold fraud with impunity. Sadly, that trust is misplaced.

If an account holder coordinates with the wire transfer recipient to determine that a substantial portion of the transferred funds has been embezzled by Bank of America and calls the foreign currency transfer division, they have a scripted answer that the exchange rate you look up online is not the actual exchange rate available to people converting small amounts of currency. This, of course, is a flat out lie. If you look at the exchange rate offered by Western Union, for example, it will correspond exactly to the rate that you find online. If the account holder confronts Bank of America with this information then they change tactics and simply inform the account holder that he agreed to the exchange rate they used and there is nothing he can do about it. Online search reveals they have been engaging in this unethical practice for at least five years.

Obviously, no individual account holder is likely to lose enough money to justify legal action. The only way to confront them is to publicize the unethical practices of Bank of America as much as possible so that their current account holders will not use them to conduct international wire transfers, or will close their accounts entirely and move them to another institution (which is what we intend to do). We are young, successful professionals with three children and I can guarantee that neither we nor any of our children will ever be Bank of America customers again. While we won't ever see the $700 that Bank of America embezzled from our account again, we can at least take comfort in knowing that Bank of America will sustain far more than $700 in lost business profits as a result of their unethical business practices. Hopefully in the future, someone will pursue a class action suit against Bank of America and any other banks that defraud their own account holders in this way.

Hi, just like to place a complaint as well, it being 3 years of wells fargo is really ennoying . Its abused for a customers who were with fargo for long time, . No help from wells [censored]o, what is the use to call in and ask for "hardship" my husband sufer a stroke, this is a big "hardship", I tried to modiy my house in 2009, 2010, 2011, 2012, 2013, Every year i was dragged for a year, all papers at my end was supplied to the bank for a modiciation. Noone never got back to me, when i was calling to the bank ask for a signed person, i come to know from other representaing not longer with the bank. What king of trick is that. Instead of help people with "hardship" Wells Fargo Bank puts you in more trouble. After which owners ends up in forclose status.
2013 i start again to do modiciation on the house thats what i was told. After faxed all my document to the wells fargo, after was asign with some one by the name Marine Villarieal who gathered all my info and doc, staited on 010314 " everything is fine, all papers in, will be forwarded to underwriter, " suddenly on 010514, called back to me by questioning me regarding my documents again, which was collecting document two month priour by him, before forwarded them to underwriter, also had no manners to speack with the client. . I think its a big abuse toward people who alrealdy suffering "hardship" someone really needs to look in to that matter. Irina Glelizer

on 12/17/2012 deposited a ck for my sale of hottub. just to be sure i waited for it to clear to release my item.
when it did not clear i called the bank they told me the check was fake and closed my account.
They did not give me the funds so I asked if I could open a new one since I contacted local police and FBI and I would bring in a report.
They said I could never again open an account with them. It is not like they gave me any money. Even the FBI said that is wrong that i was scammed. He suggested I get another bank. If they bad mouth me can I sue them?