Bank of America review: scam and fraud! 457

8-22-09 Day 149 of refinance process. It took 4 months for underwriters to finally request tax returns, W-2's, etc. for the 2nd time around! What total incompetence they have for their refinance dept. With stellar credit, great employment, savings, IRA's and investment equity and never taken a loan on a piece of property before, I can't seem to get a loan. These folks are marginal at best in doing their job: Kevin Doyle especially. Every month a new "special customer service" employee contacts us with nothing to say but apologizes. Why did we (US taxpayers) give these losers TARP $? They are holding on it, while people are losing their homes, And for someone like me, not able to get a well deserved refinance rate. It's appalling, the total incompetence of the organization and their inept staff that the public must tolerate. There must be millions of us out there and we should form a class action suit (if there already isn't one) against their complete inability to get this economy back on it's feet. THEY were the people who got us into this mess in the first place and now they are keeping us mired up in "the runaround".

I have been trying 6 years to get them to refinance my loan they won't. I originally had countrywide and they gave me an adjustable interest rate and nearly made me lose my home. now BOA has my loan and they won't help me either. They said the same thing CWH said wellsfargo owns my loan and they will not modify or refinance. How can they bluntly come out and say that. I am house poor and can't live this way anymore. I make 80, 000 a year and can't buy a new car or go on a vacation never mind buy a weeks worth of groceries that will last a week. I am getting to the point of calling the local news people and exposing their business ways.

I have opened bank accounts and at present have a checking and savings account. Have never had a problem. Tried opening an account with Bank of America and after giving my social security card was told the your bureau had a message the said credit established prior to SSn issue date. I called social security office and they said the number had not be used by anyone. My credit report from you shows that before I had my social security card I had a Penneys and Sears card from my husband who had established credit with them. I merely had my a card with my name on it but it was not my social number used to open the account it was my husband's. When I received my naturalization papers then a social security card was issued to me. I have always manintained good credit and have an excellent score. I cannot understand this report about prior credit and would like to have it cleared.

Had a flood in my house back last year, got the check from the insurance company in september of last year. Besides the fact that they took over 3 months to pay my contractors after work was performed, they have strung me along for 5 months about the remaining balance left from the insurance money. I subcontracted all the work myself, leaving a nice balance leftover. The property claims division then asked for a list of items neede to cut a check for the remaining funds. After mutiple calls and multiple faxes on new items asked I was finally frorced to contact an email at the office of the president ceo.

I got a reply phone call very quick, and was thinking I was in good shape. Finally the person helping me said that property claims never returns leftover funds and it must be added against my loan balance. I argued and said the csr's I talked to said different, the paperwork received from bofa the whole time said different. At this point he said there is nothing left to do. Would love a way to fight them.

Bank of America probably got hammered by legislation that does not allow them to arbitrarily jack up interest fees to 32%

So I noticed that BOA and Capital One have a new trick. They can simply print the minimum payment on the statement. But this does not reveal that if you do not pay the full amount to get the balance low enough, they can charge you an over-the-limit fee.

Both banks did that to me this month. What a scam - not telling you the actual amount to whittle down the balance so that you can avoid a late fee.

And I doubt there is anything I can do about it. They know that defaulting wrecks your credit.

There was a fire at my home on Christmas day. I am relocated to a temporary location while my house (which BOA has equity in) is being repaired. The repairs are not able to be completed in any timely manner because of the property claims departments refusal to complete my claim and do their job. I have records of the 38 people I have spoken to in property claims and my 160 phone calls over more than 80 hours to that department with no resolution or even a clear answer as of today (4 months later) they are asking for additional reports.

With the check 21 system...checks deposited to my Bank of America account are still being held for 10 days. I will call and get verification from my clients that the money has been deducted from there account...yet, BOA still holds MY MONEY and will not let me withdraw...let me be clear, BOA has my money but will not let me use it...is this illegal? If not, we need to make it illegal. What was the check 21 system put into place for if not for faster, better access to our money. I got my statements for 2017 out and I ran over 150, 000.00 through my account...would I not be a valued customer at this point? At what point am I a valued customer? Well, nothing left to do but close my account and switch banks...too bad for you BOA!

I'd had a mortgage with Bank of America for a little over a year when I received an email saying if I opened one of their Advantage checking accounts and paid my mortgage 3 months consecutively, they would deposit $150 cash into my account. Needless to say, I opened the Advantage account, paid my mortgage for 3 months and waited for my money. I emailed customer service 5 times asking where my money was only to hear "the promotion was declined, but call us and we'll explain". No one will answer any of my questions online or explain why it was declined. There was no reason for the decline and I am reading that many other customers have had the same problem. I left Wells Fargo for this type of service. I'm going to a locally owned bank to transfer my checking and savings accounts there. If they can refinance my mortgage for a lower rate, they might get that too.

How does one by-pass the gatekeepers (the poor people who actually see and talk to customers but have learned double-talk and have no power to actually affect policy) to air complaints to policy makers at this or any big company? I suspect the answer is that one doesn't.

One of my latest problems with Bank of America is that despite being told by a person who handled my equity loan a couple of years ago that I was part of a "linked" system of accounts and would therefore receive benefits such as not have to pay fees for online checking. Many months later, I was scanning my online accounts history and noticed $25 being debited monthly. I called the customer service line to ask about the charge. The representative replied that it was a mistake - that she would remove the charge. I asked if she would be sure to also remove any such prior charges; she said that she would. At that point, I trusted the problem was taken care of.

In the last month, I again found a $25 charge. This time I e-mailed customer service and was told that in order to avoid the charge, I had to have $25,000 in my checking account. I went into the bank to talk to a live person. She pleasantly, explained to me that I was lucky to be "an advantage customer" (?what does that mean?) - then pulled up my account on her computer and said, "Here's the problem. The person who originally linked your accounts neglected to include your checking account in the linked accounts. I asked if she would be sure that all past charges were reimbursed.

"I can only do that for 3 months, but I can connect you to Customer Solutions (on the phone)."

I told her that I didn't want to talk to anyone else on the phone given my past experiences with "customer service" and asked for the name of someone at a level to be accountable for company policy. She went in to speak to her boss; he said he'd talk to me. After 1/2 hour of cooling my heels, I left.

During my time of waiting, another unhappy customer arrived. His complaint was about the double talk; apparently he hadn't chosen the right designation to be given optimum interest on an account. I don't know what the representative said, but he responded, "what do you mean by "relationship customer?!" I've been coming to this bank for 20 years, and I don't have a relationship?... I DO have $30,000 in accounts!"

I think he should feel lucky he wasn't an "advantage customer" like me. The big banks are pulling scams like the credit card companies, I guess. Bank of America gives out lollipops and asks about your day, but if you don't know their language - don't know the right questions to ask, they are definitely not there to help people make the best money decisions.

People I work with suggested I find a smaller, more personal bank. I used to go to smaller banks, but they all get gobbled up by the bigger, meaner banks.

I've over stayed my talking time, I'm sure. Thanks for the venting space.

Bank of America offered me a very low interest rate on other credit card debt if I transfered it to Bank of America. We did the math and the interest rate they were offering on this balance transfer would save me money. After checking my credit and saying it was good and they transfered the the balance from another company to theirs(BOA). A short time after, about three months, they closed my credit card accounts before even telling me. I found out in a very embarrassing way. I tried to use my card and was told the account had been closed so I tried my other BOA card and again was told that this card was no good either and the account was closed. I called right away and was told yes they had closed my accounts because they didn't feel like I was able to pay. I had a good payment history with them on my MBNA card since 1998 which they acknowledged. But they didn't think I made enough money to make my payments even though I always have made them. BOA always offered a large amount of available credit. How can they say I have good credit, make and accept a balance transfer because of good credit and payment history and then noe even three months later close the accounts because of credit history. No one a BOA could give me an answer. When I asked why they didn't call to tell me they were closing the accounts before they closed them they said "Well, we may or may not have sent a letter." I didn't get a letter until a week after they closed the account! Now I have a large balance on a credit card I can't even use.

Today more than ever it is important to recognize the existence of and relationship between customer service and sales. Oftentimes we fail to see that a person in our business establishment is there for a purpose. Specifically to do business and most of all in person; the highest form of social contact a bank and a customer can have.
Perhaps the most disturbing observation of this would be a person who enters a bank with that bank's cashiers issued check in hand, but because the person has no account with the bank they refuse to accept it. However the greatest tragedy is the removal of the greeters who are able to meet and direct a person to the best resources at the bank.
I am not over exaggerating on this one, the clerk, his manager, and his Assistant Vice President cited that they could not cash the cashier’s check, Mr. Amurao had to be asked to come from behind his desk to answer a question, which was "Do you have documentation in writing to indicate the procedure for this action you are taking?"
He said, yes but it is internal bank policy and we are not allowed to give it out. I promptly asked for his manager, keep in mind that at this point the only stance taken by the manager is reactive not proactive. Imagine a proactive conversation like, "I am sorry that we are unable to directly cash this check, perhaps you would like to visit with our managers and discuss opening a account with us, perhaps they will have additional solutions.
So, his poor response cost me my consulting time ($600/hr) but the fact that the service was so rude, and in economic times like these; we all know that the consumer represents profit, where poor service begins to erode overhead, I decided to wait and wonder how much a Vice President at Bof A makes these days? Well we waited to find out.
Once we got to the desk, I politely asked for his card, and explained my situation. His response was equal to Mr. Amurao, but since I had a goal in mind far beyond Mr. Lu, I asked him to check with his boss, and find this mysterious document that he could reference to for customers obviously concerned.
Here is what we were looking for: When a customer comes into the same bank that issued the cashiers check, what is the proper way to handle the customer.
1. Do verify what type of customer he is?
2. Do we ask our supervisor if unsure?
3. Do we call customer service for assistance?
4. What we don’t do is to make the customer feel like he is fighting a losing battle, especially if he is someone else’s bank customer.
Here is a man living in one of the most exclusive neighborhoods in San Francisco, (in 2017, of the cities in California that raised the most money for Obama, my zip code was number 6).
The resolution came by way of the website of course after the very stern lecture on what was being done was out of the normal course of business for him but in this case he would be kind enough to print out and highlight the area concerning "Business, Corporation, Organization, Agency, Partnership, or Association"
After again thanking him without looking at the document,
I reminded him that
1. At no point did anyone ask to see my form of business structure, my identification (business) or any other identifying material I had brought.
2. Secondly, I was a profit for the bank that day, or at least not a further deduction by having my client become aware of the trouble, and thus delay future work because it, (imagine they might move their long-term account).
3. At each stage of the discussion, this could have been resolved by simply asking if I would like to become a customer and find ways for me to become one.
I understand that the economic climate has us all a little shaky, but for those of us who have a job, need to be on top of things like service more. We can all and have in the past borne the brunt of recessions, if we all learn how to treat each other a little better.
I would appreciate Mr. Lu proving a apology, and if this is a matter you would like to discuss further please contact me.

Bank of America is the worst mortgage holder we have ever dealt with. We tried to re-finance our house last year with them and they put us off for 5 months and then told us we would have to come up with 1500.00-3000.00 to pay for a termite inspection and treatment before they could go further with the refinance. My husband lost his job right after that so we then put in for the making homes affordable plan and they again took 5 months and I finally called them to see what was happening and they tell me that the V.A. is no longer approving this program so we no longer qualify. To me, they seem like a big bank trying to get more money and keep from helping the little man any way they can. I wish countrywide would have never sold them our mortgage. they stink!

My Home at 12 Egret Ln. Aliso Viejo, CA is currently financed by Bank of America @4.75% APR 20 yr.
I applied for a refinance loan and was offered a 3.8% for a 15 year term in November early.
I did not hear anything from them till January. In between I co-signed a car loan for my nephew in Ohio. I submitted all documentation as to the payment being made by my nephew from his back and also the car being registered in Ohio.
Now when I call them they say they cannot honor the offered refinance. I payed all the processing fees etc to the loan officer after I was approved in November. Please tell me what to do and how can i resolve this.
Than you.

Bhasker Raghav
12 Egret Ln.
Aliso Viejo, Ca92656
Tel: [protected]

Bank of America lowered my personal credit card from 25k to 18k limit and I have 17.5k on that card. Now I am so close to the limit it makes my debt ratio look bad. They also increased my interest rate on my small business card from 13.24 to 26.99%. My credit score is in the mid 700's and I have never been late on a payment and always pay way more than the minimum. I have been a customer of BOA for a very long time and have all of my bank accounts with them. I am thinking of transferring all my debt to other cards and closing all my accounts with them. This is no way to treat loyal customers. Keep me posted on the status of a class action law suit. I'm in!

On 26th of August, 2017, I went to B of A to request a comment on my account that I will be traveling overseas and will be using the ATM card out side of the U. S. In order to do that, I had to go to the bank and talk to one of the managers, or something. One of the people asked what I needed and I explained what I needed. He nicely suggested me to use their phone to make a call to Customer Service and get done since there were many people waiting prior to me. So I did what he said. Of course I was expecing some wait and it came out to me total of approximately an hour of my life. I got to talk to a couple people, but the last person I talked to, named Letoya, was very unpleasant and unkind. As a customer, I was a little upset for waiting to long, but she did not apologize for my waiting and was very grouchy from the beginnign when asking my personal information. It could be whole lot of work to tell the person on the other side of the phone 16 degits of my card number, and when I said it once, she without any apology asked me to repeat it once again. And when I asked if my account number would work, she strongly refused and required my 16degit debit card number. Understandable. What I needed was to ask them to put a little note on my account so I don't have to worry about my card not working in overseas and the note would be there permenantly unless I inquire to remove, she said the maximum day of the note would be 90 days. When I talked to the person at the bank, he did not mention anything about calling every 90 days to continue, instead he said it was a very easy thing to do. I made sure to Letoya if that she is sure of her verdict and she said "of course, i work here." Fortunately, I still was at the bank and talked to the guy I talked to earlier and he took care of it within 2 minutes. What was about the wait of 60 minutes over the phone and not being able to do what I asked for. It was a very unpleasant experience with the woman name Letoya. If she is to work for the customers, she needs to be pleasant to talk to even though she doesn't know what she is doing. She did not even try to take care of my problem which was not a difficult thing for her to do, and the way she treated a customer was very unprofessional. What Letoya at CA Customer Service for me after an hour of waiting was not worth it at all.

I was provided a 6 month trial period with the promise that bank of america will give me a permanent modification. It has been a year and still nothing has come through as far as a permanent modification. I took the paperwork to an attorney and was told that this was only an agreement to pay fees and it was not a modification. I am still awaiting for someone to answer my request to get my modification. Somehow, they keep changing the person in charge of my mortgage. The servicing department is better off if we continue paying their dues, other than pay for our balance on the mortgage loans. They make more money servicing the loans as a modification does not benefit them. I was unable to get a modification and they continue to process paperwork towards foreclosure. They are criminals in the clear!

I opened a business account on line with bank of america, I was approved. I had to go into the bank for a signiture card but when I went to with draw funds from my account they said I was not on the account and it was owned by a Gloria, my name is Grace. After 3 hours we got that fixed so I thought. 2 weeks later charges started to hit my account so I contacted the bank, spent another 3 hours there to close the one account and open a new one. I was sitting there when the manager called chex-systems and got the approval. Risk department took over the old account and then froze both accounts but only after the put that I owe them over $800, 000 on each account. I was told it was because I was on chex-systems, but my business is not. Bank of American took these actions against me after I had faxed the new account to my depositors and I had a positive balance in the account. But I can not get any money out and they said they would mail me a paper check after January 4th 2017. How was it I could open 2 accounts and be over 1 million in dept in 48 hours but not have any new purchases or have written any check on either account. I have contact an criminal advicate to see what I can do, If you have a good law firm and would like to see about hadling this case email me with your number, I will call you back.

Jack A Melton
Subject: Home Loan Refinance

April, 2017:
Applied for home loan refinance through Countrywide
Faxed all required paperwork
Paid $400.00 Lock-In Fee
Received, completed and returned all "Lock-In Agreement" documentation

May 14, 2017
Pre request from Bank of America Rep refaxed financial documents

June 17, 2017
Pre request from Bank of America Rep refaxed financial documents

August 12, 2017
Informed had new Loan Rep
She requested I refax financial documents

Issues:
Since May 2017 Bank of America has held $400.00 of my money for which I have received no return.
I have spent almost $50.00 in fax fees sending documents.
With good credit and no late house payments it has been over four months since I first applied to refinance.
I am now being requested to refax documents I have faxed three times in the past four months.
Refaxing documents will cost me another $15.00

Conclusion:
After $25B+ in TARP money, Bank of America still cannot complete a simple refinance request.

I can only conclude Bank of America is incompetent.

I have no desire to have my home loan with an incompetent corporation.

Bank of American has basically ripped me off of $450.00.

I will refinance. But be assured I will not refinance, or have any further financial dealings, with Bank of America.

Regards:

Jack Melton

Can you believe that I can't get my crack smoking, drug dealing, brain dead ex's name off my line of credit = - even tho he or his druggy friends ran up the loc by using some floozy with fake id as me to run up my loc into the thousands? And further, his name is not even on the deed? How can you have a second mortgage on a house that isn't even in your name?

Option 1: for 2 years now I have been fighting to get his name removed. The last letter they sent me told me if I could just fax a death certificate to them, they could remove him! A death certificate? Is that a suggestion that I go kill him? I don't even know where in the world he is, much less if he is dead - or even if anyone would know he's dead.

Option 2: close the line of credit and requalify. Well, in these economic times, I will never qualify for as much. Further, guess what they want to close the line of credit:::: his permission!

Wtf do these people need when I have been the only one paying this mortgage and loc for 8 years? Please tell me who to talk to if there is such a person.

Opened a checking account and received several welcome letters from Bank of America. Deposited over $500.00 to the account and the following week received a letter from them telling me that they were closing my account due to "Multiple Users of Social Security number". After many attempts to clear this banking error up, to no avail - I was then charged $60.00 as a fee for the bank's closing of the account! I have not received any of my monies back yet and it has been over one month since I made the deposit. My next step will be to go to the media for exposure of this bank's methods of stealing monies from innocent people.

I try to re finance my existing home loan. We are offered an FHA loan and we pay the $400 for the appraisal up front. The loan officer has no clue what he's doing and we wait 6 weeks for communcation. The appraisal says we have some chipping paint on our 40 year old home and it has to be rectified before we can close. We have had two feet of snow and below average tempurature and it's January. No body can paint a window in 4 degrees on an icy roof. I explain to these Texas folks that it's not gongto happen, and find tis is only a requirement on the FHA! Then Bank of America cannot convert it to a conventional loan as they say our credit rating is too low. We check it ourselves and their numbers are almost 100 points lower than what we pull of the websites directly. They promise our 400 returned, I hav not seen it.

Bank of satan!

Fha=foreclosure!
If you have a b of a / fha loan... don't hold your breath on a loan mod, fyi.. there is no incentive to help you especially, because our idiot goverment promised to pay a fha loan in full if it defaults, even covers b of a with loss of propertyvalue to cover the difference. wow, what a sweetheart deal they got!

If you have (or had like me) and fha loan serviced by b of a, check to see if your payments went up- that they didn't accidently double your property taxes- only reason i defaulted, too late for me, i couldn't get them to fix the error of and extra $500 a month. with fha, you have to have an impounded account, problem is the servicer is unable to process basic mathematics. please double check your payments if they increased. bank of satan ! i heard the company execs got a pay raise this year and bonus checks! oh yeah, and the government gave them millions more in tax payer money! fha = foreclosure!

I have an account with BoA and had referred my colleague to open an account in one of the banking centres in TX on June 26. The associate promised me that I will get the referral bonus with in 90 days but did not give any Promo code.
Now this is the 4th month and I have not got the amount yet.
I called them 4 times at 1.800.622.8731 and had online chat with them 4 times but did not get any solid response from them.
They say that they are verifying the request and would leave a note on my account for the related depts to process and also that I will not have to explain my issue each time I call. But these has not happened and I had to explain my issue each time I call. They are also asking for the promo code, which I did not get. Was it my fault?
But it is funny that they repeat the sentence "We understand your issue, but there is nothing much that we can do. Please call back after a few days to check the status". I am really pissed of at this. I am now in India and can not call them often and I do not intend to do that also.
I am yet unsure whether I will get the bonus or not, even though they say that I will.
May be after centuries?!

I am not sure how to classify this blog so I will just call it a vacation gone bad. And I guess I should tell you my trip is being hosted by the US Embassy in Manila and Bank Of America. But I guess this review is extended to the 100's of government officials (US and Philippines) who have refused to take a report on many FDIC crimes. Any way here it goes.

It is now January 2017 and I was busy with the last details of my wedding trip to Tabaco City, Philippines. And as anyone needs to do before taking such a trip, I called Bank of America to tell them of my upcoming plans. I also talked about my concerns about being able to access my Social Security Disability payments while being abroad. It was explained by a very kind customer service lady which atms I should use and she explained that using machines with certain symbols would avoid any excessive service fees. She then assured me I would have no problems and if I did, I could contact them via their 800 number.. At the end of our conversation I told her that I had no idea of how long I would be staying in the Philippines. But I assured her that I would contact the bank when I had an address to give them. So anyway I left the US in January 2017. I Arrived in Manila nervous as hell about a wide range of issues but at least I was secure in the knowledge that I had a guaranteed income. Here in the Philippines a small payment even like SSD makes you rich. Honestly I was kind of hoping that if it was cool here I would stay. At least until my wife's Visa was done. My wife Bless and I were married on February tenth 2017 and life was great. But like many new marriages some times there is trouble with in laws.

And I was learning my in laws had bad affiliations with many criminal elements such as the NPA.(New Peoples Army) One brother in law is being sought after by the military. A sister in law who still resides in Tabaco is involved in much of the local street crime, scamming Americans via the Internet and is well connected from a former job as a reporter. Another sister in law is wanted by the Philippine government for embezzlement and is currently living in Saudi Arabia on a fraudulent passport. And between the lot of them they claim to have connections with bank managers, mayors, and the former Governor of Albay, not to mention local judges and many police officials. And from what I have seen at least parts of their claims are true. I had one major argument with my mother in law when she said she would like to shake Osama's hand. But then saying it's her life's dream to go to America. This was the last time I would see her until, the birth of our child.

Anyway we rented a big house and started to plan our lives. And due to our family problems we planned on leaving Tabaco City as soon as possible. Little did we know, February would be the last time I would see a full SSD payment. From that point forward half or more of my payments went missing from my account for the next 15 months. Money was being stolen even from a negative balance month after month. In the US it was not possible to overdraft an account solely by ATM transactions. Come on bank how could you let that happen? Well anyway, back to my trip.
We then learned of the happy news that my wife was pregnant and I was taking very ill. This condition worsened during the months that followed. But even through such hardship we got by. You can only ask my wife how. But things like going to Manila and keeping my visa up to date were just not possible. And good luck trying to save money for a baby on the way. Yes we got by living in complete poverty. We even lived in a house that got condemned and trust me condemned is a much different standard in the Philippines than in the US.
Life went on like this until two days before my daughter was born. And thats when my sister in law showed up after many months, raising concerns about my wifes pregnancy. She then talked us into going to a hospital by the name of Jaime B. Berces Memorial Hospital because the administrator is a close friend of hers. If only we stuck with our OBs' instructions.

So we went with my sister in law to her friends hospital and several hours later my wife gave birth by emergency c-section. Do you know what its like to hold your child for the very first time? The pride, the joy, that pure sweet emotion that just can't be put into words. I don't care how long you went to school or how many words you know. You just can't. And for that short time all my problems were forgotten. Little did I know that 3 days later my baby girl would be taken as collateral on a the hospital bill. And the word collateral is being more than polite. .We were prisoners, armed guards and the works. I could fill a book of the events that took place but suffice it to say that four days later I would be on the floor in the fetal position crying like a newborn myself because I had no idea where my wife and kid were.

The main players at the hospital were the hospital administrator, my mother and sister in law's working for a darker end. My sister in law, Cresther, who is in Saudi can only tell you what that is. The hospital administrator and my in laws worked in tandem using threats and blackmail trying to get me to leave or pay extortion money in order to keep from being deported. But their deepest wish was to change my daughter's birth certificate so they can ship her to Saudi. Then Cresther can gain inheritance from her dying husband. Under Saudi law, I've been told, she cannot inherit any money when she has no children. Also my daughter is worth a lot of money in arranged marriages. For those of you who do not know human trafficking and kidnap for ransom, they are big business in the Philippines. And she needs money in a bad way. Once her husband dies she will have some serious immigration problems of her own.
The events around the hospital lasted about two weeks but in reality we were kind of prisoners for the next year. It's hard to escape when you do not know who the guards are. We could not even go to the store with out getting a text telling us they knew we went out and where. We even got a text demanding to know what the fed ex guy delivered when my daughters passport came. We were in shock most of the time and were lucky to just be able to raise a healthy baby. We were able to learn that my daughter was entitled to get benefits through SSA so we applied over the phone to SSA office in Manila. They sent an investigator to our home in February 2017. We told Alex Eusebio the whole story of my payments being stolen even to that day and what happened at the hospital. He acted like it was all nothing. He wrote down nothing in regards to what we were trying to report. He just did what he came to do and left. Not acknowledging any of the things we have said. We were shocked by that. Reinforcing what was planted in our minds that our situation was nothing.

I posted letters to my Washington senators on their web sites. All I can say on that, is I hope you did not vote for them this last time. Now the bill in question was less than 1000 US dollars. And to add insult to even further injury, our last 200 dollars went missing from my bank while my wife was giving birth .

Then in September Typhoon Milenyo came and destroyed the house we were living in. We took all the money we had and fled to the Embassy in Manila when the roads cleared, fearing that my in laws would make another attempt on our daughter. And the word on the streets were not good for us. So we spent a week getting passed from window to window. Homeland Security said my wife cannot get asylum because I am American. Hmm how about a little consideration then. They could give us special circumstances under our situation. But I guess one would be willing to take a report someplace. The Social Security Administration said they sent my full benefit amount and their responsibility ends there. But they track down lost checks whats the difference? And never mind the fact I reported the thefts many times and they did not even stop the deposits from going in to my hemorrhaeging account. Even though I had a safe account already set up. For some reason it took three months to update their records. And when I tried to complain they explained how that would be giving me special treatment and I would basically have to wait like every body else..

American Citizens Services told me I can take my daughter to America any time. I then asked him what about my wife. The guy looked me straight in the eye with a smile and said “what about her” He was the only American I got to see at the US embassy. And my wife was standing right there and then burst into tears. I was never ashamed of my country until that very moment. He then passed our case off to a lower worker. Who then gave us the Tabaco City police telephone number. Did I mention that Tabaco City was in a state of calamity because of the typhoon? Never mind the fact that my in laws have many contacts at that office. What do you think they could do about Bank of Amerikano? We also went to the Bank of Amerikano in Manila. All they would say is that they only handle corporate accounts and they will not discuss my account. And when I grew frustrated with them they threw us out. No one cares that a traveler can have his bank account fleeced every time he puts his Visa Check card in the machine then be held hostage and be trapped at his vacation destination for what looks like very possibly the rest of our lives. It seems like someone should care just a bit. I guess US government wants to track all the other people's money but are not concerned to whathappens to US treasury money. At least they could have picked up a pencil ...any of them. They sent us to the wolves, broke, homeless and tired.

While in Manila we also sent a battery of letters to the bank, both my Washington senators (again), Fox News, and Bill O'Reilly and the Senate Committee on Veterans Affairs, Senate Committee on Banking and Finance and Vice President Cheney, US Ambassador Kristie Kenney, Mike Enriquez of GMA-7, Julius Babao of ABS-CBN and many more. Out of all the people I mentioned the Senate Committee on Veterans Affairs, Senate Committee on Banking and Finance and Vice President Cheney were the only respondents. They requested our mailing address but unfortunately at that time we did not have any address to give. Our house was just destroyed by super Typhoon Milenyo and we had just fled to Manila for help. We responded to the vice presidents intern Rose Folsom once again stating we had no address and that we were in serious danger. I guess they did not feel a need to respond to our many pleas. Several letters later Rose Folsom did send an email requesting I take her off my contact list. I have the dated letters of most of the people we contacted and it is a very long list.

With no more options we took the bus for what was left of our home. In the month that followed, my baby girl got very sick and lost much weight due to us not being able to buy her milk. But the following payday with my payments safe in a bank other than Bank of Amerikano, life has potential once again. Then in November, Typhoon Reming came and hit us dead on. We were in the stone age for two months.
So I even contacted my mother Marjorie residing in Kailua Kona Hawaii. I have not had any contact with her since Clinton's famous first term. She seemed happy to hear she has a granddaughter but she was too busy on her two books, Donna Quixote cartoons and condo meetings to even call one person on our behalf. Guideposts must be happy to have such a good Christian as a writer.

My brother sends me angry letters because I was mad at my mother. He says that I am crazy and only seeking attention. And I have no right to play the victim. He then tries to convince my wife the whole thing never happened and I need to get some medication. He then tells me how he is bigger than me now and he wants to kick my ###. I guess he wants to go on Jerry Springer.Mom if you are reading, I hope you finally understand me. I tried to work all this out with you. And you even cut the line with your own very sweet grandchild. As long as we live our lives wrapped up in ourselves, closed off to all other points of view, how can anyone say they are fair? Now being betrayed by even my own family, our mess remains and my daughter is still not completely safe. If I do nothing, I may have a shot of living a long life here. But that seems foolish. People may still be after my daughter. I have made multiple contacts to Bank of Amerikano via email. They said sorry to hear of your problems. The security of my account is important to them and to please join their online banking. The problem with that is I already told them, that option for what ever reason has never worked. Page cannot be displayed.

And people don't fool yourselves by thinking that registering with the embassy will help you. Hell their web site does not even have a contact us. So if you have no family to contact you are truly screwed. Did you know they take Columbus Day off? That was another day in Manila completely in the crapper. But I have to hand it to them; they have the best flushing toilets in the country. And it's not just me folks. I have seen other Americans in various banks holding their Bank cards with the Visa Logo in hand trying to get their own answers as to where their money went.

Day before yesterday my wife met another American guy and the same thing happened to him but in his case for two years. Different results but you can overlay our embassy stories. He called them after Typhoon Reming to ask help for himself, his wife and three kids. Of course they did not even offer him a slice of bread. Come on embassy, how about a little help for a foreigner?

There was a time that Americans would rally to the cause of one of its infant children. But that has all changed now. Our own press only rallies to the aid of the rich. It is not good business to do a story that will hurt one of its sponsors. I think Bank of Amerikano and Visa has advertising and sponsorships in all of the main stream media. Its hard to watch a US sporting event without seeing their blue and red logo some place in the stadium. And its the same with web sites.

After so much time I have given up on the bank ever doing the right thing. I have managed to fix my visa problems but bringing my wife to the US is impossible as it stands now. Because of Bank Of Amerikano's neglect, I have lost all ties in the US. And with out an address the embassy requires 60, 000 dollars in my bank account or a co-signer in the US before they would even consider a visa for my wife. And for me to go back to US to get established and apply for my wife, would take at least 10 years before I could even apply for her visa. Lets get real I have been on disability a long time and I have no work history for the last four years. In todays economy I would be lucky not to wind up on the streets after getting off the plane.
So I guess we will make the best of life here. What other choice do I have? It is my hope that one day this blog will pass the eyes of someone who can help on any aspect of our problems. It seems finding people who, it is not in their best interest to do nothing is very hard. If you want to help and do not know what to do perhaps send an email to anyone who you think may be interested in our story. Hell it would make a good book. Or at the very least pass this page to a friend and tell them to do the same. This, after all, is a fairly simple matter with road blocks every place. Whatever happened to what was in the best interest of a child. I wonder when that measuring tool for moral decisions in a moral society changed?

http://www.tagged.com/vengeful_eagle01 my home page
wounded.eagle02@gmail.com my email

August 12, 2017 BAC sent a loan modification contract for us to sign and return. The new monthly payment was 1357.92. Interest rate first 5 years was 2.000%. We signed and returned. They were to sign and close in October. It was never closed.
March 2, 2017 BAC changed my loan number and sent a new loan modification contract for us to sign and return. The new monthly payment is 2321.49. Interest rate first 5 years is 4, 5%. They now have us set up for default if we don't pay new amount and in line for foreclosure. What a bunch of crooks!

So how about these cheap skates bank of america? I check my online banking on a daily basis... a pending trasaction had yet to post, I was showing in my account a little more than I had but since I had just checked it I figured it was ok to get my coffee. Get to work and check my account again and nothing has posted yet so I figured I'd wait till lunch to put the money in my account. For what ever reason didn't deposit on lunch and all day the bank account online reads clear and good and shows the cofffee this morning. Long story short well after 5pm my account still red more than positive so I figured I'd wait and go to the bank the next day. Well guess what ? BANK OF AMERICA pulls its pending transactions at the end of the day(11:59) instead of the begining for the sole purpose of maximizing the potential for overdraft fees. SO sure enough after all night of my account reading in the positive... when I awoke the next day I saw my account now read in the negative I went on the way to work and deposited cash into my account and more than cleared it up.. when I talk to the bank they told me I didn't put the money in on time.. "I would have avoided the fee if I had deposited the money on the same business day"! which is impossible because as BofA clearified with me they pull all pending transactions at 11:59pm giving 1 minute to get to an atm yet atm's that take cash say on them anything after 8pm will be posted as the next business day.. so guess what $35 fee... no way out of it... they wished there was something they could do

bank of america is slowly gobbling up all the banks that once actually cared about the "individual" their percentage of interest on their bank accounts are .5% or their high yeliding cd's 1.75%.. give me a break and they pay their shareholders 1 penny per dividend... how pathetic..

because they are becoming so big they do not care any more.. in their board meetings they must be laughing asking what can we take from them next? don't even get me started on all the money they got from the bail out BS*@! and they still treat their shareholders and their back bone the people paying all the bills... THEIR CUSTOMERS>>>US like a little kids piggy bank wondering what they can take from us next.

I suggest banking locally if you can...it may be an extra few minutes in your day but if this keeps going this way I'm afraid of whats next.. aren't you?

I made 2 wires in Australian dollars and Singapore dollars and was told the charge would be $35USD each, which would come out of my account. When the wires were received, an extra $12AUD and $14.81SGD were deducted from the wired amounts. This is very unethical as I specifically requested that the exact amounts be transfered and the $35 charges were to come out of my account. As a result, the payees are short and I now have to transfer the difference, again.
Banking should be more transparent, no wonder the economy is in the state it is in - there must be many of these illegal deductions going on every day. I hope the new government will put in some reforms to make it illegal for banks to rip off customers like that

Dellany Hall to Brian, Barbara, Price, Jon
show details 7:56 PM (23 minutes ago)

I am writing to let you know that we have been trying to get our home remodification loan worked out thru discount mortgage relief for about a year now. Our original home loan was thru Taylor, Bean & Whittaker then was sold to citifinancial before we knew anything about it and our first letter from them stated we were multiple months behind, which we were NOT as we were on the equity excellerator program with them which always had us a month ahead, they would not work with us even though I had proof all the way back to april of 2017 that it had been taken out of our bank account each two week period, before I could get this worked out with citifinancial it was sold to Bank of America and we got no help there either to put us on equity excellerator program as the funds from Taylor, Bean and Whittaker had been frozen so it looked like we were behind from July of 09 thru Sept. 09 which of course we were NOT at that time behind we were always one month ahead. I tried talking to someone at bank of america with no results as stated they could not work with us until the account had been brought current which at that time it was but since then we have tried home remod. loan with discount mortgage relief and I have sent paperwork, after paperwork, after paperwork to them as requested by bank of america and still no home remodification has been done and as stated before this has been going on almost a year now with NO results or remodification done. It should by no means take this long, at most it should only take about four to five months not almost a year. We have been given different loan processors; have gone thru three loan processors thru discount mortgage relief to the point that I am wondering if they are not working with bank of america to make us loose our home. We received paperwork in the mail on saturday July 17, 2017 from law office stating it was a motion-order-notice of an amendment of the last paperwork we got from same law office, when I called the mortgage relief they just told me that it is a scare tactic by bank of america to the home owner and that they will wait until about five or six days before the sale date is set before they will give in and say OK we will work with you on home remodification loan. This type of thing should not happen is not right nor acceptable and I am with Jon vs Bank of America. Until all this happened and we were still with Taylor, Bean and Whittaker we were NEVER late on the first payment so again I say this should not happen, is not right nor acceptable for people to be strung along like this for so long just to have their home taken away from them or have them hang in limbo not knowing what is going to happen to them or where they are going to live if their home is taken thru unscrupulous measures by a bank or mortgage lender. This is America where things like this are not supposed to happen especially when the banks have received their bailouts and are now riding hard all those people who thru no fault of their own have lost a job or had their home loan taken over by someone else who is unwilling to work with them to make sure they can stay in their home. The making home affordable plan is/should be just that, working with people who are due to the down economy having a hard time making their payments and not being able to find work and have drawn out on unemployment due to not being able to find work. I support John Wright vs Bank of America

In Nov of 2017, I started the Home Affordable Modification trial period and was told by a BAC rep "Do not make the November mortgage payment and in 3 months I would get a packet in the mail." During the next three months I called in from time to time to check on the status and to see if anything else was needed on my behalf and was given the same answer every time 'WAIT FOR THE PACKET IN THE MAIL." I should have received my packet in January and I did not. I called to see what was going on and still could not get any pertinent information, but yet again, "wait for the packet in the mail." I did not receive this packet until about March 13th 2017 requesting needed information that also stated I return the packet by Nov. 1, 2017. Based on BAC files and dates given in letters, I was late before I even received any notice. I called to find out about the date discrepancy and was told it was ok. I then submitted the requested information. Once again waiting and being told to wait for packet in mail. Now it's May 1, 2017 and I get another letter asking for additional information and telling me I have till May 30th 2017 to respond. Ok, now I finally got a time line that is correct and thought things were on the right track...NO. After looking into what was requested of me and determining none of it applied to me, I then called on May 10, 2017 to find out what I was supposed to do and was told to fax or Fed-ex letter stating that none of what was requested pertained to me and the supporting facts. When I get home that night I find a new package, mind you only 8 days after I received the last additional request that was due by May 30th, telling me that do to not providing BAC with the documents requested my request was incomplete. Are you kidding me, I have gone out of my way to ensure BAC had everything they needed in a timely fashion. Yet BAC can not get there dates correct and its apparently my fault! I faxed the Letter the next day (5/11/10) also asking that I be contacted by someone who knows whats going on and actually has a clue! It is now May 17th 2017 and I have yet to get any answers as to what is going on and still no phone call. BAC is setting me up for failure and I am not going to stand here and let it continue!

I recently became unemployed. I have a mortgage loan with BOA. I contacted them in July 2017 and applied for their Financial Hardship program. I submitted all the required documentation within 2 business days. Their representative told me I had to wait 30 days for a response. Thirty days later I was informed that my application was denied because my income is from "unemployment benefits". I called numerous times to ask for reconsideration. The last call that I placed the account representative purposely hung up on me when I asked to speak to a manager.

Then they started to harass me by calling me 6 times in one single day (twice and home and 4 times on my cell phone)

I've emailed Kenneth Lewis and his upper management and have received no response.

Extremely rudeness; recharged a $19.52 charge that her own bank had admitted a mistake. Was discorteous and not once said anything when i said if this was the way this bank operated, i would close my cd, checking and savings account. All they have to offer is... service. I don't even know this lady, but i have a master's degree in business (mba) and i know how to treat five year customers. There was absolutely no customer service skill displayed and she actually seemed happy to fill out the paperwork to close my five year account. Poor, poor customer relations skill.

Bank of America bought my escrow company. The beginning of my nightmare. They doubled my escrow payment for no reason. They then applied my principal/interest payment to that fraudulent charge. I immediatly got the escrow department to reverse that payment amount because there was no reason for it. The bank, for eight months so far, has been adding late fees for the misapplying of my contractually obligated payment to the escrow which I can, and will, cancel at any time. I have been through a dozen customer service agt who can not help me, but whose job it is to shut me up and get me off the phone. After a few months i just demand a supervisor. I have been hung up on when I ask for one. I was told by one that they reapplied the payment and the problem was fixed, but they cannot waivve all the late fees. I got a supervisor who did not have the power to waive but one late fee, when there were months of them. She spent a month and waived all the fees. but the fees kept being applied. She refused to waive more, because the misapplied payment, from months ago was still misapplied and showing each month late. She referred me to a different department and that person claimed they fixed it and waived the late fees. yet i am still getting late fees. and i am unable to get through to anyone but customer service agents with no power and bad attitudes.

This is all fraudulent by the bank. first doubling a payment, then taking the money from my regular, timely payment and put it on the fraudulenty doubled payment. then charging late fees every month. and NOT ONE PERSON who has power to see the problem and fix it, but everyone giving me run arounds and outright lies to shut me up and get me off the phone!

Bank of America is pretty much arbitrarily changing the terms for its credit card holders. In the last 6 months, they lowered my credit limit by $3000 without notice. Curiously, they lower the limit as soon as I pay down the balance.

When I called BoA about this, I was told that they would not increase the credit limit. However, a senior credit analyst and a supervisor suggested that I apply for a secured credit card to get a higher limit. I applied for the secured credit card online, and was promptly rejected. (A secured card carries no risk for the bank, since the credit line is secured by a deposit in the amount of the credit limit.)

When I called to inquire about this the next day, I was told by "George" in the secured credit card department that one could not have two credit cards with BoA. So I asked him how to solve my problem. George told me that he could not solve it because there are two separate departments -- one that deals with my credit card and one that deals with applications for a secured credit card. I asked to speak with someone who could deal with both departments; George told me that there was no one, because they are two separate and unrelated items. When I pointed out that the two issues are related because my application was denied because I currently have an unsecured credit card, George said he was trying to "educate" me.

After reaching an impasse, I asked to speak to his supervisor, and this is where it gets weird. George refused to let me talk to a supervisor, saying there was no supervisor. When I asked if he reported to someone, he gave me a runaround saying that "we all run this department." After five minutes of this bizarre conversation, he finally gave me the name Ken Lewis. Lewis is the President and CEO of Bank of America, by the way -- not a supervisor. Finally, George admitted that there was someone who wrote his evaluations; but he refused to give me a name and refused to let me speak to this person.

Has anyone else been refused when asking to speak with a supervisor? This conversation was just bizarre.

Company phone = [protected]
Incident = In February 2017 I contacted my mortgage lender Bank of America about their Making Homes Affordable Program in which I was solicited via the internet. I did call and inquire but was told I did not qualify. About 6 weeks later I receive a FED-EX package about the program. I called Bank of America and was told the documents were sent by mistake and to "toss them in the trash." That is exactly what I did.

On June 4, 2017 I noticed that $199.16 was missing out of my checking account. After looking through my bank statement my fixed rate mortgage had jumped from $424.17 to $523.75 in May of 2017.

I contacted Bank of America and was told "this is your new payment as we opened an escrow account to pay your property taxes and insurance for the Making Homes Affordable Program. I explained to 7 people over a 2 hour time period that I was not eligible for the program, never signed any documents nor submitted an application and have paid my own taxes and insurance outside of the loan since I first purchased the property.

The bank did admit that I did not qualify for the program but the escrow account had been set up and it could "never be terminated." "You will have to just live with it Mr Russell the rep explained." I told her my taxes are $199 a year and my yearly insurance is $250 but your withholding almost 1, 200 a year? Response: "well at the end of the 27 years we will refund you the difference". I then informed her that Bank of America fraudulently changed the terms and conditions of my loan without permission, my knowledge, or any signed documents. Response we do this all the time its perfectly legal for us to withhold for your taxes and Insurance. I stated my taxes are paid to date and so is my insurance, you cant legally raise my mortgage!

I explained to the representative that I may not even be able to pay my mortgage next month as Bank of America has funneled out $199.16 out of my checking account due to the "increase in my mortgage." Well Mr. Russell if you don't pay your mortgage, we will simply have to foreclose on you and have the Sheriff remove you." I explained to her I have a limited amount of money and pay my property taxes each year with a small bonus check I receive from work, my insurance is paid in small increments monthly and I cant afford a $100 monthly increase in my mortgage. The representative then hung up.

I called Bank of America back and basically was told pretty much the same thing after speaking with 4 more people and a supervisor. The supervisor informed me that he could "try to opt me out of the program"(could take months) you know the program I did not qualify for, and never returned any documents or applications I stated. He said yes sir that one. I demanded my $199 back (1/2 of next months mortgage payment) that Bank of America had fraudulently removed from my bank account via auto-pay. The authorization was only for $424.17 a month not $523.75 Response: its not possible Mr. Russell. Because of Bank of America fraudulently increasing my mortgage and illegally withdrawing more than agreed upon I'm sure I will have overdraft fees as I only have $9.00 left in my account.

It is quite apparent that Bank of America is committing blatant fraud in order to account for the TARP money they have received. If you are wondering why their numbers have increased by 70% in one month, allegedly enrolling more people in the Making Homes Affordable Program? This is how their doing it. I no doubt will loose my home as I will never be able to catch up or pay the higher unlawful increase in my mortgage. Mortgage loan # 8709XXX Did I mention my taxes, insurance, and loan payments have never been late!
Damage Resulting = My end up loosing my home.
Contact me = Y

Our home loan was converted over from Country Wide Home Loan to Bank of America. We have been usuiong their bill payer system for years. However, payments made within the grace period of our loan are being created as late payments even though they are made within the terms of our loan. Late charges have been charged to us. When we called the Bank Of America Loan Service Department we are told we have a history of late payments. Then we were told we were only allowed one late payment in the duration of our loan.

We proved payments were made ontime by taking to a local Bank Of America and faxed information to the Bac Loan Service Department. We have been told by Bac Loan Services that they are unable to see our account. There is no person you can talk to at your local Bank Of America Branch to try to resolve any problems with your home loan. You can prove them that your payments were made until you are blue in the face and the customer service, supervisors, and managers will tell you they are unable to do anything for you.

Then you are asked to send a letter to a place called coorespondence with a P.O. Box so you can not serve them a registered letter. Because you are trying to get your business resolved yourself, the next time you call that you have not 3 late payments but 8 now.

You take all the dates and match them to your bill payer and find that you are within the time frame allowed on your loan. If you check when the payment was posted it could be 5-7 days later. However the monies were taken out of your account the same or next day that you made your payment. Bank Of America states to you that they are using the date your payment posts and creating a late history and charging you late fees.

Now because they posted your payment late, Bank Of America wants you to use money tranfer to make your payment. You could tell them that your current payment has been made from bill payer and they can not see what is going on. They will not believe you made the payment.

Within this conversation with Bank Of America, if you are lucky, they may wave one late fee and promise it to you in writtging. Don'/t count on anything you are told because you never will receive it. Instead you will get a letter1-2 months later requesting you to fax or send them all of your records so they may make a decision.

All the while they are building a late payment history using the dates the bank posted your payment. You may be a faithful honest person who pays their bills on time and the one time you need a late fee waved due to your cicumstances you will be treated like a dead beat debtor who does not pay their bills.

Ofcource while they have you on the phone they try to talk you into refinace with Bank of America. What person in their right mind would want to bank with all of the discussion above? We were a Country Wide Loan bought out by Bank Of America.

We believe they are creating late payment histories so if you tried to get a home loan/refinace they would use it against you and put you in a higher bracket of interest because of your late history. Their tatics are good for them and not good for the customer or home owner.

In this ecconomy you would think that Bank Of America would be glad to have someone who pays their loan on time. If a customer had one discression you would hope your loan institution would work with you. Not Bank Of America! Because we have lost most of our equity due to a failing ecconomy and foreclosure rate is as high as one in four homes you would think that banks would not want you to foreclose.

We have decided to allow our home back to the bank and let them loose their money on our home. We do not feel it is worth all the struggle with no cooperation from our lender. Big Fat Cat banks need people to give their homes back so they can loose their pants. Maybe if enough people give the homes back they will figure it out.

The Banks can give their CEO's giant bonuses and we the consumer paid for it. Not only their bonuses but when banks could not show a profit on their stocks and dividends Americans paid the 15% penality fees. The reason most us do not qualify for home modifications from banks is because now they tell us "Our bank has to use disrcretion". It is just yet another form of discrimination in America.

Future home buyers beware. Bank of America will be your nightmare!

While in New Orleans for Mardi Gras I discovered, in that embarrassing way, that my check card wasn't working; it was declined while making a transaction. This was not due to insufficiant funds. Bank of America had put a block on the card because I was making purchases out of state. When I called Customer Service I was told that I could remove the block by going to a branch with two forms of ID. Problem: there is no B of A branch in New Orleans.

Two customer service reps told me the same story; that the only option was to go into a branch. Finally I got through to one who said I could fax to them two forms of ID (front and back), my phone number, and three signatures to verify my identity. I have traveled extensively while relying on Visa/Mastercard check cards from other banks and have never had this problem. They said the hold was for my protection (read: lost and stollen cards cost them millions every year). Now I'm stuck in New Orleans with no access to my funds and waiting for a call back from customer service for which, because of my earlier dealings with them, I hold little hope of being helpful.

It is obvious to me that Bank of America doesn't give a darn for their customers. Their "services" are designed to protect them and make a profit off of YOUR money.

My 19 year old son has a BOA checking Acct... no checks only a debit card... he's pretty good at keeping tabs on this account online... but yesterday he was charged 175 dollars on an overdraft of less then 24 dollars.. I have a debit card from my bank (not BOA) and if I have no money in my checking and use my debit card it'll decline it, which is what I thought it should do.. that is why people like debit cards I do!, anyway I came to a conclusion why its not the case with BOA... they have it set that way so even a $1 overdrawn incurs a $35 fee ... now that is extortion! no friendly reminder electronically to inform your balance is low!

In my sons case they charged it 5 times... telling me its set that way it never declines a debit card charge.
I have written online to customer service but I feel it will fall on deaf ears... the kid will pay it from his next paycheck and close his account.

Thanks

My boyfriend and I had just moved to California in February. We were banking with PNC in Pennsylvania and they aren't located in CA. I went with BOA because that is where my job banked so I figured that it would be easier. There was also a $75 coupon in the Val Pak for new checking accounts. So I went to the office, set up my accounts and he stapled my coupon to the back of the paperwork said that it would be there in my account in about 30 days. So, 30 days rolls around- nothing. 60 days rolls around- nothing. I called the number that is on the website and heaven forbid I speak to an actual person- I finally get to a person and they said that unless when he set up my account, he entered the code- they can't do anything about it.

I am in the process of looking for a new bank- all over $75 that they won't give to me.

I caution any one that has a mortgage with bank of america to be very careful! My dad and I share a mortgage with bank of america, and bank of america changes their billing address from time to time and if you do not receive an address change from them or you miss it in the mail bank of america does receive your payments but now it is at what they consider to be the wrong location and this department holds your payment and will not forward your payment to the new billing address. Then when you fall behind on your mortgage they foreclose on you! This is what happened to my dad and I had to file chapter 13 for him to keep his property! I make payments for my dad via online banking with my bank and my bank actually sent boa a letter asking them to withdraw their foreclosure proceedings, cancel any late charges applied to his account and restore his good credit because my bank had proof copies of all the checks that went un-cashed. They were sent on time but to the now wrong location because bank of america had changed their billing address and unfortunately for us we did not receive a change of billing address notification this time, yes they have changed it before but we caught it that time. The request from my bank was refused! Why? My bank told me straight up that this is how bank of america got to be so big! They deliberately change billing address from time to time and if you miss it for what ever reason bank of america then forecloses because they don't receive your payments! They receive the payments, but it's the wrong department and they just don't forward them! Proof? After chapter 13 was filed we received back one of the first checks that boa claimed that they didn't receive, it was dated pre-foreclosure! They just flat held it until the chapter 13 was filed then sent it back. Had I not filed the chapter.13 boa would have legally defrauded my 82 year old dad out the land he worked so hard for most of his life. If you have a mortgage with bank of america "be careful, be very careful"! Check up on your billing address at least every six months.

I called bank of america to ask why my monthly payments keep going up. I have never been late, always paid before bill is due, They gave me 3 different reasons transferring me to perso to person, I finally ended up witn Robert Sweeden credit mamager who told me in order for me to get a rate I would have to make double agressive payments, Keep in mind I have never been late, Making double payments is not legal, if they continue to increase my payments i will have to go to a legal system to stop them, C, toles fort washington maryland