Bank of America
Reviews and Complaints

We are having the same problem! Were seriously thinking about filing a class action suit against them for this fraud!

we have HAD the same problem, and called bank of america-----emailed---and writteen---keep a note of when you conversate with a rep---my BEST suggestion i have found helpful...go to the bank--talk with WHOEVER is in charge---take a tape recorder in with---yes it is extreme---face to face talks is best so you CAN SAY you spoke with someone---and camera's don't lie either. i have two accts with overdrafts and was threatened to be close when i agreed--because that would stop overdrafts---well...they mailed me a letter saying they would take courtesy withdrawals from good accts to the bad ones...talk to the one in charge and i ain't just talking about GOD--he gives us common knowledge as well...don't give them anymore $$$$$$don't put anymore into that account-------openup another one b4 that one is closed...if you are innocent----and they tell you they KNOW you are do your part----they continue to make money off of you even when they know you R NOT GUILTY!the devil is a liar---everywhere u go crooks---what happened 2 customer is always right----HAHA!

We were told we were disapproved then when we waited and waited for our loan they kept telling us OH everything is OK it is just taking longer than we thought ! I actually fired our loan officer after SEVERAL lies... 4 weeks after he was FIRED they took almost $400 out of our checking account for an APPRAISAL WE DID NOT NEED... and after the deal had fallen through due to all this... the home owner opted to back out for a better offer! Now we are SCREWED out of over $1000 (home inspection WE PAID FOR) and appraisal we told him to cancel!

I attempted to get a refinance mortgage from CountryWide recently but was very unhappy with their "customer service". After the initial contact and them collecting my personal financial information, 2 months went by with no word from the "mortgage broker". When I attempted to call and e-mail, it took several tries to get a response, and the response that I did get implied that I was bothering the mortgage broker. My application was finally completed almost 6 months after I had initially contacted the company, and then it was mailed to my house without my knowledge and my entire financial history sat on my front porch for a day, unbeknownst to me since they had failed to communicate that they would be mailing the application. This is how they "safeguard" your private information. If someone had picked up the application they would know where I bank, my credit card numbers, my social security #, where I work, etc, etc. I was just expected to sign the application and send it back, again with no explanation of the process and no service provided whatsoever. I didn't sign it, due to the horrible service I received and the facts that the amounts were incorrect. These mortgage brokers make a huge commission on these loans, and I don't think it was unreasonable to expect some service in return. Let me mention that I have excellent credit and a very stable work history so to be treated so poorly made a huge impression on me, and not a good one. I was subsequently referred to a true mortgage broker whose definition of customer service more closely matches mine, and had my refi in my hand in 8 days, with no distress or implication that I am not credit worthy. I will never again do business with Countrywide.

I experienced a job loss at the beginning of February and wanted to make sure that our loss of my income would not cause a hit to my credit rating. I contacted Countrywide to see if there was anything they could do to either lower my payment or interest rate so that the mortgage would become less of a financial burden right now (My account is spotless). I was just exploring all options to help keep the most $$ available to me.

After learning that I was not eligible to refinance because my loan amount was higher than my house was now apparently worth (since they were able to calculate the cheaper houses in the neighborhood selling but missed the more expensive ones), it was offered that I talk to someone about a loan modification that I might qualify for. Okay fine. But instead of transferring me, I was given another 888- number. So I called and sat on hold for 45 minutes only to find out I wasn't even close to qualifying for their "hardship" loan modification. Now, with every person that I talked to I started the conversation by stating that I was calling because I lost my job. Countrywide does not consider losing your job as a hardship, which is apparently the only way to get your loan modified. They said "we can do a hardship assessment once you get a job and maybe help you out with your payment amount then". REALLY? ARE YOU KIDDING ME? I thought not having a job was a pretty good example of the definition of hardship, and I told the representative this. I then asked her whether she had more option the help me if my loan was already in default. She confirmed. She was not amused with my inability to understand how they operate, so said thank you, and hung up on me.

My husband and I are plenty able to pay our mortgage in full each month and on time. I just thought that I would try to be proactive and protect myself from ruining my credit, should it get that bad for us financially and it come to that. Thank you Countrywide for rewarding those who are a burden by not paying and for taking a dump on those of us who continue to be fiscally responsible.

I have two houses with Countrywide mortgages. I applied in March, 2017 two refinance both loans to a lower interest rate. I was not behind on payments, I did not want money out, my loan-to-debt ratio is fine. I filed the appropriate paperwork, for each mortgage to be at 4.65% . Suddenly, the paperwork was "lost, " the appraisal for one of the houses was "lost, " and therefore my file was not completed on time, and the loan process for both loans was closed. When I complained and said that I wanted to re-open them, I was told that the interest rate was now 5.75%, that my credit score had gone down in the last several months, and I might not even qualify for that. I wanted my $800 back --- representing the $400 up-front fee that they charged me for each loan. They refused. I called, left letters, faxed, emailed -- nothing. Right now I just want my $800 back since they lied to me about the paperwork not being in on time, they lied to me about the appraisal paperwork being "lost" (it turns out, by their own admission, that the appraisal on one of the houses was NEVER EVEN DONE by them) ---- AND...I shouldn't have had to pay the money upfront, over the phone, before the loan process had even officially begun. Please help. My husband has been out of work (he works in the construction industry, which is DEAD), and I can REALLY USE the $800. If I try to refinance, it will NEVER BE WITH COUNTRYWIDE/B of A AGAIN. Thank you.

I was proactive from the very beginning when my family member experienced identity theft last year in October, 2017. I contacted Countrywide and nofified the representatives of my situation, conveyed to them about identity theft, expressed this was the reason for my late payments, and spoke about my securing a loan modification. I continued to contact Countrywide and was told that I could not gain immediate assistance for a loan modification because my home loan was not in foreclosure. I asked if this was the only way to gain immediate assistance and was told yes. In May of 2017, I was contacted by a Countrywide representative. The representative conveyed that I have a fixed rate loan for the next 30 years and payments due were added to the arrear of my loan. I expressed that the value of my home depreciated and asked if my principal could be reduced for my loan. I was told no. She continued to explain that I have a thirty year fixed loan and needed to sign the necessary documents, otherwise Countrywide would proceed with foreclosure. I questioned her because she told me that my interest rate increases every year until 2017. I told her to my understanding, this loan is not a fixed rate loan, however something similar to an adjustable or subprime loan. She told me too bad, sign the documents, there wasn't anything I can do, and just make sure I have everything notarized, and return FedEx. I complied and returned the documents with much hesitation. Since that time, I contacted the President of Countrywide and received the same results. Since that time, I have written letters to government officials. Yesterday, September 1oth, I received a letter from Countrywide about a data breach which means my personal information may be sold, otherwise identity theft. This is the very same thing my family member experienced last year which caused us a delay in mortgage payments. Countrywide has known about the data breach since August, 2017, and I as well as many customers have been notified late. It is sad that Countrywide representatives are very uncooperative in assisting customers, even after Bush signed the law into effect for Countrywide and other mortgage lenders to work with their customers to avoid more foreclosures, yet customers are to accept the late notification about a data breach. In closing, do not expect Countrywide to work with customers with negotiating a loan which match today's property value.

We bought our place 5 years ago and our contract was sold to Countrywide. We tried getting refinancing through them but was denied because someone had removed the HUD tags on the back of manufactured home. When the appraiser came out he told us that if we get an affidavit of a fixture that it should be enough but per Countrywide it wasn't. My question is: If we decide to sell the home our we going to be able to do so or our we going to be denied it because of the tags? Or is this something that is done in Arizona?

Thank you.

I was struggling with my ARM mortgage last fall as I was laid off by Bank of America and unable to find employment. I was sent an offer by Countrywide to modify my loan at a much lower interest rate effective September 1, 2017.

I eagerly agreed and accepted the offer. I was then able to keep my home and would hopefully be able to refinance at a later date. Since September 1, 2017, Countrywide had delayed processing the modification (because they are so busy so they say) and because of that they have reported me as being 120 days late in payments. Of course, that is not true and negatively affects my credit rating. However, I have called repeatedly for the past 6 months and have talked with no one that knows what is happening, not interested in even pulling up my information, have been hung up on, argued with, and still haven't been able to find anyone with any authority, responsibility, desire, nor ability to resolve their error.

As a final attempt I have contacted their Office of the President to see if this matter can be resolved. And could I refinance with this type of credit bureau reporting? Absolutely NOT!

I am so frustrated with their Customer Service and what is funny is that I worked for Bank of America as a Customer Service Manager for 7 years and can't believe that this lack of training, lack of authority, lack of customer service abilities, and apathy is acceptable much less pervasive.

Yikes to Countrywide

Penny

I received a letter from Countrywide stating I had to have flood insurance on my property because according to FEMA I was in zone AE (a flood area). I contacted FEMA who had me download their insurance maps. I am clearly in zone X. I called and faxed the FEMA maps with no results except a headache. They totally refuse to acknowledge the maps, even though its the exact same map they said they used for their determination. Their letter also informed me that if I do not get my own flood insurance they will take out flood insurance from my escrow with, surprise, surprise, Countrywide Insurance Company. After almost three weeks of arguing and faxing it looks like this will be going to court.

Below is a timeline of the life of this file. We had originally been told your short sale process was 45 to 90 days. We are now somewhere around day 140 with no end in site.

I faxed the short sale packet to Country Wide on Jan 27th and again on Feb 3rd. I was told that it was uploaded into your system on Feb 1st and that the Short Sale process took any where from 45 to 90 days. On Feb 4th the file was opened and I was told it would take 7 to 10 business days to assign. After several requests for assignment to a negotiator the file was finally assigned on March 6th to a Mark Lewis. I was told he had 15 days to review. On March 13th the file was then re-assigned to a Celia Medrano, and I was also told she had 15 days to review the file. When I called in for a status update on 4/15/09 I was told that they needed updated pay stubs and bank statements. I faxed the requested documents in on 4/20/09. On May 4th I received an email from Cilia asking for updated pay stubs and bank statements because the ones I had sent in at the end of Jan were out of date and for the sellers to fill out and sign a Form 1126. I emailed Celia the requested documents on May 6th. On May 12th (2 months after Celia was assigned the file) our file was assigned to Stacey Johnson a second phase negotiator, I was told she would have 30 days to review the file. I called in today June 15th to get an update on the file and was told that Stacey's work load was to much and she had passed the file to you for review.

I'm on month 24... giving up, this process is no different than it was on day one when they said it would be 30-45 days... I have tried every method possible and nothing has changed. Filing Bankruptcy and going to move on with my life... wish I would have never bothered with this, I would be two years ahead... don't do a short sale if you are wondering, I have never heard of a good case... still, and I have been listening.

On September 6, 2008 we were notified by Countrywide Home Loans that a former employee breached information on many of Countrywide's customers to a third party. My question is WHAT exactly, besides giving us two years free credit monitoring, is Countrywide going to do about this? This can potentially ruin many of Countrywide's customer's lives, and they think that two years of credit monitoring will suffice? The thieves will just be warming up!

Do we, as consumers, after surviving the mortgage crisis, how have to just 'put-up' with this? How would the 'fat-cat' executives at Countrywide like their personal information breached? You spend a lifetime working on your good credit, and good name, only to have it breached, just like that? Where is a company's personal responsibility?

And, why don't we get specific information on who the thief is, & the ongoing investigation. Maybe some of us affected would like to see that these people pay for their crimes. And, what is the District Attorney doing for us? Not just for the state, but for us? Can we get a lawsuit together, so that we can oversee our needs? Certainly, due to this injustice, many of us will pay for this, many years to come. Countrywide, and the District Attorney's office overseeing this case should contact each and every one of us, in writing, expressing our rights... not just giving us two measley years credit monitoring. As our District Attorney, we DEMAND that you send us information on our rights. Where is your responsibility to us? We should band-together, because who knows who now has YOUR personal information, and WHAT they will do with it. We should be compensated for this breach of trust!

My husband & I bought our home in 2005, right at the Real Estate's all time high. This was are first home together, and the foundation of which we would build our family. (We have 3 biological and 2 foster children)

When Countrywide financed our home they set us up on a 'NEG-AM' loan, which you pay a minimum monthly payment and the Negative balance goes on the back end of your loan. They assured us that we would be able to refinance our loan in 6 months and get a 30 yr fixed. However, this was not the case. After six months we tried to re-fi. Our home already had depreciated 15, 000. We decided that since we could afford to make our minimum payments that we would continue on, in hopes that the housing market would go back up. HAHA... IT only got worse.

In July of 2008, after never missing a payment, I contacted Countrywide to ask about a loan modification. They asked questions and we began the process. They said they would call us in 3 to 5 working days with an answer. That never happened. I called back about a week later and spoke to someone in India. I explained the situation and they said they never received any information about the first call I had made. Once again We started the process again. I called back about a week after faxing all documents to them and The representative told me that they could not help us because we had never missed a payment. She also stated that we do not make enough money to afford our home.

In October 2008, I received a fedex letter from Countrywide. This was the answer to my Prayers. SO I THOUGHT. I opened the docs and read very carefully. It was an interest modification until 2015. My new rate was now to be 4.25% instead of 6.25. This would bandaid the problem temporarily. Here is the catch- it states ' Please be advised that your monthly payment WILL increase significantly when the interest-only term expires and you are required to make principal and interest payments for the remaining term of the loan.' This is known as a 'SHOCK' loan.

At the end of October, I sent Countrywide another HARDSHIP letter along with financial statements, certified mail. I told them in my letter that I appreciated their offer, however in no shape or form would that help us. Once again, I am fighting the fight and not giving in. I followed up on that and guess what? We don't qualify. How is that so? They said they already gave us help, which we denied the offer. At this point, I had intentionally missed 3 months payments, assuming this was the only way they would help. They also advised my husband not pay our credit card companies.

Febuary 2009 rolls around and Countrywide Collections calls for the mortgage payment. We explain the situation to the lady and she asked if we want to try again? OK, sure-why not! I get all the info together once more and fax it to the Home Retention Department. I called back about 4 days later and The lady says they never received the fax. She assured me that she would note my file that I would re-fax the paper work (so they don't close the case) and gave me by the end of the working day to do so. So I did. I felt HOPEFUL with the BAILOUT President Obama had just passed.

On March 17, 2009 the Home Retention Department called my husband. The Man he spoke with told him that we do not qualify and there was nothing more they could do for us. They referred us to the HUD counseling agency.

I am dumbfounded by what Countrywide is doing to millions of Americans. They tell us that they can not help us because we have not missed payments, so we do (which severely damaged My credit- now cant get a loan even if I tried) and then they Turn us down. They constantly play mind games with you. Nobody at Countrywide has a clue about what the hell they're doing. They are a cold & deceptive Company and they should be done away with forever. I feel like anyone who is in the same predicament as Myself, should join forces to take these ### down. They Are a Company that destroys families and they should be punished! PLEASE HELP WITH THE FIGHT!

The exact same thing has happened to my husband and I. Now I can't refinace with anyone because they told me to miss payments then declined me for a modification They suggested a refi except now I can't refi because I have missed payments.

I received the very upsetting letter dated 9/6/08 I called the numbergiven in the letter 9/14/08 to get my credit reports I have yet to recieve anything this person ask for my ss number which I gave her even though I didn't think it was a good idea to do so she said she had to have it!

I went on line and the only way I can get reports is to give my credit card number no way this is suppose to be free for two years which I think is very unfair it should be for the rest of my life.

The person who stole my ID can use it forever or wait two years and than start I have to worry about this for ever. I go to bed thinking about this and get up thinking about it.

I have a friend who the same thing happen to with countrywide and she is dying with cancer now she has this to worry about.

We need more compensation that two free years if infact we ever get this.

I will have to get on the phone again and be put on hold and try to get someting done all over again . Something must be done other than what you are doing!

I fell behind on my mortgage payments with Countrywide back in November of 2007. I called them and we were directed to work with a negotiator to get our payment caught back up. We were three months behind. We worked our the arrangements with our negotiator and set up a repayment plan. We send them $2000.00 the next day and then three days later they filed for foreclosure on us. We called Countrywide and they told us then that our negotiations didn't go through. Even after they told us it was approved and to send them that specific dollar amount. They still through us in foreclosure. Now...not only did we have to finish trying to catch up, but we were also informed that we had over $1000.00 worth of attorney fees on our account. It seems to me that their Attorney and Countrywide had some elaborate scheme to screw people this way. Make out arrangements...get them to send in some money...file for foreclosure...get lots of money for our attorneys! WOW! We went into a special forebarance...that's what it was! Great Scam on their part! So, we had to pay x amount of dollars for x amount of months to get caught up. Which we are doing...but now as we struggle to get caught up...we are indebted to them for over $1000.00 in Attorney fees? WTH!

I was a victim of predatory lending. A man by the name of Jonathan Marshall from Scotsdale, Arizona, contacted me to refinance three homes. He roped me into a no win situation with six loans. I desperately needed money to set up a business because I was very ill with fibromayalgia, my husband divorced me because he needed a healthy playmate. He took all the cash and left me three properties. I could not work so I was living from credit cards, they got maxed and I needed cash to pay them. This man was determined to make a hefty commission and get six loans from me. He promised to help me out because of my situation and he put me into six loans, lied on the applications. He did not even give me a decent copy of the documents, especially the part where he lied to rope me into the loans. He send a notary on wheels who told me that a copy of the documents were on their way and that I had to sign quickly because he was taking care of a very sick wife and he had to be home at a certain time to give her her meds. I signed and found out until later, how much this guy lied. I was afraid that they might think that I was a part of this so I did not turn him in. I was not thinking straight and grateful that I could pay off my credit cards. They did it once again. I signed a deed in lieu of foreclosure. They supposedly were helping me out. NOT! They created a sense of urgency that I needed to sign this warranty deed immediately. They overnighted me the documents and even were "nice enough" to enclose a prepaid overnight fed ex envelope. I was in such a financial hardship that I had to move in with a relative because of my health and could not even afford gas for my car let alone an attorney to look over the documents. They did a lot of double talk. The first part was like the standard warranty deed but I come to find out after a friend looked it over that they can come after me for the loan. They now have the house and I still am responsible to repay the loan. Is anybody out there that can look over this document for me ? I am ready to jump in on a class action lawsuit but I have no clue how to start one. I have no money. Countrywide is still harrassing me about payments. Now a bad guy is going to bail out another bad guy. How can this be possible? Amparo.

I know how you feel ! they started foreclosing on my house when they never once brought it to my attention that I was behind on my payment. Which to make along story short I panicked and filed chapter 13 to keep my home! And get this even tho i am in chapter 13 they tried to do it again! say that I was behind in my payment's but this time I kept record's of every check number! And had proof and a lawyer! I really wish that someone would do something about them!

Countrywide home loans is a horrible company... my mom and i live in the house i grew up in... my mother is a single parent... we missed a couple of payments and countrywide told us pay us 2000 dollars for 6 months and they would modify the loan... totally garbage they took the money didn't apply any of it to the principal... and now their saying pay us 15,000 or we will take the house or pay us 4500 dollars a month for 8 months countrywide deserves to be sued...

My 16 year old son got his first job and was paid via a check written on a Bank of America account. He went into branch and was charged $6 to cash a check written on BofA's own bank!

Talk about gouging! The bank took no risk on cashing the check because they knew the account had funds in it. It was written on their own account holder! Then to charge what amounted to a 12% interest to cash their own check!

Explanation given was that this was "their policy". Secondly, they didn't look at his age. I pointed out they sure looked at his ID and fingerprint! What ###!

How do they sleep at night?

For years I have been cashing checks that people have given me at their bank with no problem whatsoever. Recently I was paid by check from an idividual business account written on the Bank of America.
So I go to the Bank of America in Scotts Valley to cash it.

First the teller, Meredith, tells me to endorse the check and then asks for identification, a driver's license. At which point she informs me that being I do not have an account with the bank there is a $5 service charge. I asked to have the fee waived and was told I would have speak with the bank manager and wait 15-20 minutes before doing so, after she was done with another customer!
The bank manager lectured me the same in a abstruse demeanor and rudely insisting that my "only choice was to pay the $5 fee or negotiate with YOUR bank."
"You are holding up the line for other customers."
I told her that I understood and that the person that wrote the check must be paying a fee for the account and that I didn't care to negotiate with MY bank for whom this transaction has nothing to do with. The check says "Pay To The Order Of" and
that I just wanted to be paid without incurring some fee. I am a customer and wanted to get paid.
So the bank manager and your teller associate denied serving me and I had to leave, without my money.

I have had problems with Bank of America before because of so many fees. Nobody needs to be upset and act so arrogant as I was treated over $5. I can not believe a bank will not honor the checks that are written on their own
bank without charging people a fee. With all of BOA's bad debts and their business practices I do not know how you
ever stay in business unless the federal reserve is bailing you out?

It is illegal for an employer in California to Issue a paycheck that can't be cashed without paying a fee. If I sue, the employer must pay all of the fees that have been charged plus penalties and lawyer fees. So if I sue my employer, after they loose, they will no doubt close this account with BOA.

If enough people sue employers that use BOA. they may change their extortionist ways. Check out Cal LABOR CODE DIV 2 SECTION 212.

Bank Of America also charges fees to non customers who have a employer that pays with a Bank Of America account drawn check... They said we will waive the fee if you open a account with us and deposit money into it... I refuse to open a account with a bank that charges a fee to cash it's own checks, checks that are not personal checks. How dare they?

I want to report on Bank of America's shady policies concerning overdraft fees. I deposited a check into my account one day last month. I waited for it to clear, and when I returned to the bank, I was told the check HAD CLEARED and that I could draw on the money. My wife needed to make a wire transfer abroad, and after getting the bank teller's assurance that the check had cleared and that the money was in our account, she made the transfer.

A week later I am in the bank and make another deposit. Things are fine until I go online later that day to make an online payment and notice that my bank account is overdrawn $900.00! Now I was just in the bank earlier that morning with a teller smiling at me. Could she not have mentioned I was $900.00 in the red?

Anyway, I go to the 'Personal Banker' immediately to find out what happened. Apparently, the check I had deposited a week earlier had bounced, AFTER my wife had already made the wire transfer with money that was not in our account. So even though I was told by Bank of America's own staff that the funds were available, they actually were not.

I asked the Personal Banker why my wife was allowed to make a wire transfer of $1500 dollars when the check hadn't cleared, and he responded that because I was such a 'preferred customer, ' the Bank gave me the courtesy to 'forward' me the funds (Of course, overdrafts would be charged for the courtesy.)

So now I'm overdrawn $900 dollars, and overdraft fees start to avalanche on me. Bank of America takes no responsibility, and the Personal Banker tells me that 'the computer' won't let him remove the overdraft fees. The Personal Banker also TOLD ME that Bank of America used to not allow customers to draw on funds that were not in their accounts, but that now they DO allow this because overdraft fees are such a large part of the bank's revenue.

I had been a customer at Bank of America for 15 years. I regularly make wire transfers at $50 dollars a pop. This bank may have made a mere $120 dollars on me this time, but they lost much more in potential future revenue. I hope I might warn others about Bank of America's policy.

Do not, I repeat, do not draw on any account until you have absolute proof that your check deposits have in fact truly cleared. Even the bank tellers will tell that you checks have cleared when in fact they have not cleared. If you then draw on these accounts you will be penalized with expensive overdraft fees. I recommend getting a hard copy of cleared checks before any more transactions with your account are made so that you can protect yourself from consumer exploitation.

Bank of America, as subtly told to me by the Personal Banker, relies on CONFUSION and MISCOMMUNICATION to lure you into this kind of mistake. This way they can hit you with several OVERDRAFT FEES. Then they will blame it all on the automated 'computer' system which cannot be over-ridden by the Bank of America staff. How convenient for them to pass the blame onto the faceless master computer.

This experience, along with a few other customer nightmares Bank of America has given me, has made me realize that big international banks cannot service the average American consumer. I am moving my accounts to a smaller local bank and I recommend others do the same. 15 years of customer loyalty meant nothing to Bank of America. I guess my next wire transfer fees will go to another bank now.

The other day I looked at my Bank of America checking account and found out that I was $19.00 overdrawn on my account. Four transactions had caused me to go over only $19.00. I couldn't figure out why I had gone over so I went back and looked at my statements and found that back in May 2008 that I was charged an overdraft fee, yet my account never showed to be overdrawn.

I went to talk to the branch manager, but he was out of town so I talked to one of the Banks financial managers. He told me that it was because I had gone over my limit. My account showed to be in good standing and he said that was because the same day that I went over that I made a deposit, but the deposit was after I made the transaction.

For years, Bank of America has maintained that if you are able to bring your account current before anything posts that you will not get any fees. However, the financial manager told me that they had just introduced a new policy stating that if you go over your limit you will get a fee and it doesn't matter if you get funds into the account the same day or not.

After this I showed him that the same thing happened in June 2008 where I went over and brought it current the very same day, yet there was no fee assessed. I asked him why I got a fee in May but not for June and he could not tell me. He told me that I would have to talk to the branch manager, the one who was out.

I came back and tried to talk to the branch manager but he was still out. So they told me to talk to the second financial manager who told me the exact same thing as the first, but like the first person I talked to, as soon as I presented my case about doing the same exact thing twice but only getting a fee the first time, she just threw up her hands and told me that I needed to talk to the branch manager.

I came back into the bank the following Monday to talk to the branch manager, yet he was still not back and I was told that he would be the next day. By this time the four transactions that caused me to go over by $19.00 had each received a $35.00 fee so my account was now over by $159.00.

I went to another local branch and talked to their branch manager. After presenting my case to her she sided with me and said that I should have not gotten any fee back in May. She told me that she would credit me back the $35 dollar fee from May. Now I thought that this would automatically cancel out the others. After all, if I had not gotten the $35 dollar fee back in May by account would have been in the positive by $16.00 and I would have never gotten the other four fee's. However the next day when I check my account, not only was my account still over, Five more transactions had come in over night and each one of them had a fee of $35.00 tagged on to them. So now my account was over by almost $400 dollars.

I called the bank and told them what had gone on and that I talked to a girl named Debra, a branch manager, who said that she was going to remove the fee from back in May. I asked why it did not erase the fee's that I have currently and I was told that all fee's had to be removed manually. I asked if I could get the others removed and I was told YES. I was placed on hold and after a few minutes the person comes back on the line and tells me that his computer will only allow him to remove 3 of the fee's. I asked him why and told him that if I had not gotten the very 1st fee then my account would not have gotten 4 more fee's which caused the $140 dollars in fee's to come in which in a chain reaction caused 5 more transactions to come in overdrawn causing $175 dollars in more fee's. The person that I was talking to told me that they understood my situation but that they could not remove any more fee's. By the time that I got off the phone it was about 5:30 and my local branch was closed so I decided to go back into the local branch the next day.

The next day I go into my local branch and talk to the branch manager who was finally back from his vacation. I talk to him and tell him my whole situation. My wife also had come into the bank with her payroll check which would have put us way into the positive but only if the fee's would be removed. If the fee's would not be removed then my wife's entire paycheck would get eaten and we would have still been in the hole about $150 dollars. After talking to the branch manager, he too sided for me and said that he would remove 'some' fee's. He too said that the computer would only allow him to remove 3 fee's and that I would have to call the bank call center to get all the fee's removed. He told me that the call center had the power to remove all the fee's but that at the bank they did not. I don't understand why he did not call the call center for me but whatever. I asked him why I had gotten the one fee but not the other and like all the rest, he tried to explain what he 'thought' might have happened, but wasn't for sure. He even told me, just like the first manager that I talked too, that if I am able to bring my account current the same day that my account goes over that I would not get a fee. So did I cause my account to go over, YES and I admit that, however as soon as I realized it I brought my account in good standing the very same day by depositing money back into my account. This I was told would not have given me a fee, yet I got one. Remember that I went over and brought it current the same day both in May and June, but only got a fee for May. Remember that my statement also shows that back in May that I never went overdrawn on my account because I made this deposit. Same thing goes for June.

I called the call center again and talked to a woman and explained to her what was going on with my account. She refused to refund any more fee's because she explained to me that I have had over 20 fee's removed off of my account in the past 3 months and that there was nothing she would do about the current situation. I asked her even if 2 different branch managers had decided that this current situation wasn't my fault and all I got was an 'I'm sorry, there is nothing I can do'.

Let me back up. I'm sure that your wondering why she said over 20 fee's. True, however two months ago back in May my niece had a baby. My wife and I went to the gift store and bought a $7.00 stuffed animal for her and the newborn. When I checked out a local volunteer, an elderly woman about 95 yeas old had checked us out. Mistakenly she charged my account $700 dollars instead of $7.00. Mistakes happen and I know this so I wasn't mad because I knew that it would all work out and that any fee that I got (because my account was now overdrawn) would get credited back to me. I went and talked to a hospital manager and she immediately refunded the $700 and charged my account the correct amount of $7.00. It took about two weeks for the $700 credit from the hospital to go back on my account. During the time of waiting, the bank had charged me 12 fee's and one overdraft fee, a total of $430 dollars. As soon as the $700 dollar credit came in from the hospital came in I called the bank in which they gave me credit for all $430 dollars. No problems what so ever. So that's why the lady that I was talking to said that I had over 20 fee's.

I tried to explain this to the lady that I was talking to and told her that the incident with the hospital was not my fault and two branch managers have sided with me that this current issue is not my fault either and have refunded $245 dollars worth of fee's but says that the call center has to remove the rest. However this lady refused to hear me out. In total I have talked to at least nine people and Bank of America refuses to remove any more fee's. The incident with the Hospital has marked me a a terrible customer who can't handle their finances even though it was not my fault and so has this current issue who at least 3 people, 2 of them managers, have told me that it wasn't my fault. If it is not my fault, then why won't Bank of America remove the fee's that I have gotten. This all boils down to one fee in which I was told by two different managers that I should have not gotten. But because I have had so many fee's removed the bank has marked me as a terrible customer and won't remove any of the fee's. If all the fee's were removed they I could get my account back in good standing. Bank of America has even started rejection payments and giving me a fee every time that they reject a transaction. The fee's keep coming yet there is nothing they will do even though I was told that it WAS NOT MY FAULT!

In 2004 I was diagnosed with 2 separate but related fatal diseases. Fortunately I did not die and after 45 days in the hospital, spent the next 4 months recovering. During this period I received a demand letter from BofA demanding payment for a credit card account from 1999. I did not recall having a account with them, but since I was bed bound on oxygen at the time I told my wife to go ahead and pay them. Soon after that I became aware of a Identity theft problem amounting to about $20, 000 from 1999 to 2000. I made a police report and included the BofA account. About a year later I received a letter from BofA acknowledging that indeed it was not my account and they would send in a letter that would clear it off my credit record. I sent an email to the BofA fraud dept. requesting that they return the money I sent them in error. They emailed me back saying that they would not return my money and that if I continued to pursue getting it back that they would send it back to the credit reporting agencies as my account. How lovely, they would knowingly send in false information to ruin my credit if I didn't allow them to steal my money. Now there is honesty and integrity for you. I filed a complaint with the federal regulators but never received any reply. Honestly since the amount is so small I will never have any chance of recovering anything unless the bank has a sudden attack of morality.

I have had nothing but trouble with this bank. They will do anything to bill you it seems. My biggest issue is when they decided to take my money in my checking account and start transferring it to a savings account without my permission. And not only that but they continued to do this for about four months even though i constantly told them to stop the transfers and they told me the transfers were stopped. One month they even started transferring more.

So then when my automatic payments for my Star card went through they bounced it saying i didn't have the money and then felt the need to bill me for it, which was on top of my card billing me. Apparently your money is untouchable when they transfer it to a savings account unless they want to bill you for something then they suddenly remember that both accounts are "yours" and attached to each other. I lost about $3, 000 from this fiasco. Not to mention when my card billed me over these few months 500 dollars of debt suddenly became 4, 000.

I will never ever recommend this bank. And now I am afraid to even leave them until i know absolutely everything has been changed over to a new bank account because of when my parents left and a check suddenly went through late they decided to bill them nearly 500 dollars in bills total and even tried to tag on another 200 saying that the company that had turned in the check was billing them, when in fact they were not doing so whatsoever and the bank was just lying to try and get some extra money. And this was all from a 7 dollar item.

My advice never ever use BofA and if you do have them make sure you change banks as soon as you can safely do so.

This is why I do not use a bank any more. I simply keep my money in strong box.

That's why I dropped BoFA as my bank. Constantly putting on fees that were not valid. You had to watch EVERY statement.

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

The bank of America located in abingdon md has a particular women named debbie glemming whom purposely i9ngnoreed returning my calls for over 4 hours. And when i asked for a manager they told me he was at lunch. Mind you this was at 3pm! I will never bank there again and i have at least a half dozen other tails i could tell about that location.

Have been a BOA customer over 10 years, each time I go in they insist that I need to have a an ATM card to receive cash over $1,000 when making a deposit. They can clearly see that my balance will cover any amount of cash received. This is bank policy I was told by the manager in charge and that I would need it to continue getting cash back. I have told them that I will not get an ATM card and that I could go to any other bank for better service, their comment is that they are sorry that I feel that way, end of conversation. Bank policy is very poor when trying to receive your own money from the bank.

Terrible customer on a refinance. Our loans was passed around to about 5 different departments. And they all passed the buck and made many mistakes!

I went to deposit my pay check on BOA's location at 2630 E Workman Ave, West Covina, CA 91791 inside the Albertsons Supermarket.

The bank hour should start at 10am but when I got there 10:03am, there were already 5 people on line and the bank was not ready to open. The staffs were still turning on computers, get their stuffs ready. So I went shopping for five minutes and returned. They were still not ready and let us wait until 10:13am. This is very unprofessional way to handle the business and we don't have to waste our time to get service.

This is not the first time I experienced their poor service. There was once I went there in the evening. There was a long line. They have three windows but only two were open. One of the bank staff were busying counting his money, balancing his worksheet, and did not open to service. He should have done those jobs after serving all customers in line.

Yeah they did the same thing to me on 2 credit cards. I was 2 days late on my payment and had a perfect history with them. My payments went from 300 a month to almost 800 a month. I tried to plead with them and they would not budge. So then I couldnt make the payments and they received nothing because I had to claim BK.

I had a credit card out with Bank of America for over 2 1/2 years now and never missed any payments, I had a good credit history, paying off the credit card at the end of the month. I mailed my payment prior to the due date but it was not posted until one day after the due date and I was charge $39.00 finance charge. I called to get it credited and the Customer Service Manager stated that due to their policy they cannot refund the total amount because I was late. I told him that the payment was mailed on time, but they posted it one day later, he stated it is not the banks fault that the postal service is late delivering the mail they have their policies and must charge the late fee. This is very disappointing the same incident happened with USAA, but they credited the late charge because they realized the postal service problems and the check was posted one day late on their files, but the late fee was credited. I support 100% USAA they are customer friendly and work with the public.

i have had a bank of america card for 7 years, since 9am on monday am i have spoken to 15 people over a 72 hr period.i was requesting a 2 page fax concerning my balance.i have been lie to given the run around and i have never been so aggitated in 60 years, i hope someone from bank of america reads this, i will never i repeat never again do buisness with b.o.a. i will encourage my family, friends and any one i come in contact with to not do business with these fools, i am going to have this put in the village newspaper with a senior circulation of 15, 000 and encourage all of them to cancel any business thery have with this one terrible bank aka b.o.a. ron bobba. ihope to hear from b.o.a.but i think not

Bank of america is a huge rip off they have instant overdraft fees while chase gives you at least a day. They just plain suck. Keep the change is a huge rip off. I regret opening an account them and will be going back to chase.

They have lousy customer service and plenty of ignorant tellers/employees.

My advice: withdraw all your money, CLOSE the account officially, and take your business elsewhere. You'll get better service from pretty much anybody.

Bank of America is just waiting for you to do something where they can sock it to you and make some extra $$ off of you.

I have to agree in regards to this posting. Their lack of customer service sucks. A few months ago the bank teller refused to cash my check because I did not have "proper id." Yet, I've been a BOA customer for the past three years and not once have I been asked for my ID. I was furious at the lack of service, so I tried to give it a chance around drive thru. The teller at Drive thru cashed my check just fine WITHOUT having to show proper id. Mind you, I had the BOA Account Card AND my ATM/DEBIT Card along with my social security card and yet according to the 1st teller I needed proper identification. Their lack of service and concern for their customers speaks volumnes.

FIA Card Services frequently call on phone. Their number and name are registered on my caller ID, but they hang up before I can answer the phone. System here has call router so that incoming calls are picked up after the first two rings from telco, then begins ringing voice phones if not Fax or modem call. They seem to stop the call when line is picked up despite the fact that locally generated ringing signals are being sent back to them.

Darn it, they should wait at least 0ne minute (10 ringing signals) before terminating the call. Present practice is VERY ANNOYING!

as i am reading your post, i am amazed that your exact situation, is exactly what happend to me, after calling, a mere inquiry, cause a 10 plus year account to be closed, despite always paying on time for this account and all other accounts

Yes...several months they have drafted out more then one payment. When I call to get my money back and to stop the payments they keep saying that it is electronic that there is nothing I can do. I have contacted my bank and we will be changing account numbers-now they will only get money when I call it in:) I am about to call FIA again and get several months of payments back. They have now "screwed" up to a total of 430.00. I am calling back tonight to talk with a supervisor.

Have had a BoA credit card account, got fired, fell behind on payments. Got Fedex'd an offer to settle this morning by a certain date, but with past experiences with other "settlement" companies and judging by the stuff that's said here, I'm not going to take them up on the offer, because chances are I will pay and it will never show up on my credit card report (has happened with other companies). You know how it is...if it seems too good to be true, it usually is. Don't take the risk unless you can afford to lose.

I just received a bill to my husband's estate (he passed away 1/5/09) stating that they are owed $2, 000+ . We have a zero balance. We have not used this card for at least a year, and we have NEVER received a bill. Welcome to widowhood!

Fortunately, Bank of America has inconvenienced me only very slightly, but I plan to close all my accounts with them asap. It's evident they don't care about customers.

Was a card member for about 2 months. Immediately noticed problems when I opened my account. Also was dinged for no minimum payment when I never got my statement. Had to call and beg them to remove the fee (which they did). Same thing happened the next month; I called again, they agreed error was on them and removed the fee. HOWEVER, they also blocked the card at the same time! I was furious and canceled immediately.

Apparently their system is down and I can't access my statement. "Contact Us" provides NO email address. I called and had to give my card number, mother's maiden name, birthday, last four of SSN etc. The customer service rep was a snooty ### with a southern accent who I was later told was Holly Williams. I was transferred and had to give all this information again. All I wanted was to send an email asking how and when I can access my bank statement. The answer I got was "I don't know". FIA is apparently "updating a lot of things" which I imagine is ### anyway. I asked for an email address and this woman searched "everywhere" and just couldn't find one. Is this news to her that they don't accept email from customers? I deal with them online EXCLUSIVELY and I cannot send them an email? I wanted to file a complaint, but I also wanted to get off the phone. I suspect no one would have cared.

Mark wants me to verberaly speak my acc't number over an unsecure land line. No way will I do that. They have lost my business forever. Glad to see other are upset by this company also. Good luck

Fia Card services are lyars and theives. They are affiliated with B of America more lyars and theives. They told me I would be transfered to a supervisor that would confirm my statement that I could not pay them. Instead they said I confirmed a withdrawl out of my account. They removed my monies and refused to confirm the recordings with me. Now Chase my bank refuses to help me dispute this matter because they claim it is a owed amount to B of A. See how the collusion works between banks! They are both working together to rip-off consumers BEWARE of both

My latest (and last) statement from BOA included both a new (for me) $12 monthly maintenance fee and $3 for imaging checks written. Apparently my modest monthly auto deposit wasn't large enough, although a year or so ago the local manager assured me that I was still eligible for free checking. I had already declined the imaging-for-a-charge option but when I complained was not offered reimbursement.
This is the same BOA that waited until I paid off a $2000 overdraft line before abruptly discontinuing it for me (despite my longstanding perfect repayment history.)
I have closed my BOA account and gone next door to a local bank where the above services are free.
I understand that Mr. Buffet just bailed BOA out with a very large stock purchase. I think this time he may have backed a wrong horse. BOA deserves to fail.

Does anyone notice that ever sense Bank of America bought Country Wide they have been very aggressive with charging fees. Now we know whose money they used to buy it!

Again, with them buying Merrill Lynch ...there goes the fees again.

You could look at your bank statement one moment and see that your account is in good standing then 3 hours later they have made the decision for you that the higher amount items presented for paying are a priority, therefore stacking all of your low charges at the end of the line can cause your oversite up to 5 overdraft fees of $35.00. If they didn't do that your $4.82 check would of went through along with your $20.00, $30.00 etc.

And forget getting them to forgive them, I 'm pretty sure by the way the customer service reps talk (ie: I'm going to get in trouble for this) they get credit for how many overrides they DON'T give out or penalized for those they do give.

They are becoming a joke in the industry.

I am a Bank of America associate. I would not have a Bank of America account if it was the last bank on earth. Every day I see people being cheated out of money and it makes me sick.

If you are a Bank of America customer these are things you need to look out for:

$3 per month check enclosure fee :
This fee is for the few( if any) physical checks that you might get back at the end of the month. If you dont have it they will just send copies of the checks on the back of your statement. Be sure to look for this and ask if you can choose to not " have check enclosure".

$20 per month Prima account fee:
This type of checking account is supposed to be free if you have a mortgage with B of A, or a home equity loan or line of credit. It also is free if you have a combined balance of over $10, 000 consistently. Even though the computer is supposed to take this into account, it often doesnt, check your account for these $20 monthly fees and change your account type if you cannot get it waived. Also heads up the associates at the banking centers get kickbacks for putting people in these accounts and I have seen people on SSI put in these account so they will make money for the bank.

$8.95 My Access checking account fee:
This account is supposed to be free with a combined balance of $1500 or a monthly direct deposit, like from a paycheck or any other income. Make sure that you are not receiving it.

$5 per month savings account fee:
This fee will be taken out of your savings account unless you have a continuous balance of $300 or a $25 per month automatic transfer from your checking account. Also if you make more than 3 withdrawls or transfers out of your savings account per month they will charge you $3 per transaction, I have seen people have up to $60 worth of these fees for taking their own money out of their account.

How to get around these fees:

Dont have a savings account unless you have the ability to keep $300 in it. Call in to the customer service and say that you are a student at " anytown" community college. They will not ask you to prove it and you can qualify for a Campus Edge checking account which is free. You can have as many of these accounts as you like.

Hardship clause: If you have overdrafts, you can get up to $140 worth of them back per year for hardship. This can include, job loss, death in the family ( close family), serious illness, natural disaster . You will not be asked to prove this but you can call up and make this claim to get up to $140 back per year. Make your story sound legit.

Hope this helps someone. I continue to work for B of A because I can help people every day realize they are paying too much and help them to get their hard earned money back.

The trick to get your money back from the Bank of America overdraft scam. What you need to do is go to your local small claims court, and make a complaint. Depending where you are in the country it normally only costs around 50 dollers to make this complaint. It would be to much of a hassel for BOA to hire an attorney for a few hundred bucks. They should refund you your overdraft charges. I would get your money out of BOA after whatever happens...

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

The company I work for actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. Let us know what you are looking for us to do for you and we will pursue the help that you want, no matter what.

We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why this company was created. We take your number out of their "system". The collection calls stop immediatly. We also have the option of having your mail from the mortgage company come to our offices and into your file. We take the burden away from you so you can live your life without the phone calls and the letters.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collectors. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service? And the "Obama Plan" for assistance? Most companies will not give you all the information that is needed to qualify. We make sure in our initial consultation of your finances if you qualify for the program.

We take all that frustration away from you and create solutions that work. I have done it for several people. And I can do it for you too. If you want more specifics or just want to ask questions about your situation, call our offices at [protected] and check out the website, www.realtymediationservice.onlybusiness.com which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://realtymediationservice.onlybusiness.com...and if our offer is not for you, best of luck. In all your endeavors.

Due to an error our young working daughter gave us a check to deposit thinking her salary was being deposited on a specific day. We even waited a
couple of days to ensure the dust had settled. It hadn't. In a 38 hour period she incurred $420.00 in bouncing fees - FOUR HUNDRED AND TWENTY
DOLLARS! She works when the bank is open so I went to the bank. Of course they couldn't speak to me about the account. We immediately deposited
over $1000. to stop the madness. Who knew they could hold the deposit over a 24 hour period and continue to bounce fees. There must be some
class action suit in the works. If there is, sign us up. I had raced to bank from our bank to make the deposit and left my ID in car. Of course I had to
produce ID even though I had cash AND a deposit slip. I asked what in the world was the point? (Other than further delaying a deposit). Her response:
"We can't have just anyone coming in off the streets and putting money in people's accounts." OMG. Margaret

The fees are ridiculous, now at $35.00, and they do not treat every customer the same. I tried to login to on line banking the night before and was unable to do so, the next day I was able to login and noticed that I had six overdraft fees, which could have been avoided if was able to login. I called and complained and the most they were willing to credit back was $35.00, I immediately took care of the overdraft fees by transferring money. Now of days $175.00 is a lot of money.

It a sceem, how it can be legal? they charge me 8 x $35.00 using card from 4 days ago for $4-$6 charges, instead of nsf on check for $26.00 ! witch went true 9.01 AM, 9.03 AM I deposit $170.00 after I went home check on balance ( hoping for 170-26 and maybe one charge -35.00) WAOOAW, Imgagin my suprise! and they have gots to charge you another $35.00 becouse you Dinot pay their RANDSOM on time ? They must be in Cahoots with goverment becouse this is ABSOLUT BU...T ! Sombudy need to do somthing!
Damage Resulting = They screw me up completly I almast have hard attack, I have to go around city not to see "### of America" branches or logo!

They charged me a late fee where I had just shy of $2000 in my checking account and they stated that I never had automatic payment before because it doesn't show. But I never made any extra previous payments before and they always took the minimum for all the previous months! Go figure how this works...?

Boycott bank of america - they have no respect for humanity whatsoever. They could care less if they take food off of the poorest hard working persons table, and shelter from your elderly grandmother - while their ceo's live in the lap of luxury.They blatantly give false account information over the phone that can cause a person to incur unlimited fees .Their trickery and overdraft policies are a pure human rights violation, a form of theft, and should soon be made illegal. I encourage every one who has been victimized from their tyranny to file in small claims court, and tack on an additional 35$ fee for every one of their detestable acts of theft. What they are doing is illegal, because it is the equivalent of giving false account information when charges dis-appear as described in some of these comments.

COUNTRYWIDE SHOULD BE ASHAMED OF THEMSELVES! I CLOSED ON MY HOUSE ON NOV. 30 OF 2007 - ACCOUNT CLOSED - PAID IN FULL.
THIS WEEK, I GET A CALL FROM COUNTRYWIDE SAYING THAT $969.36 WAS "MISTAKENLY" PUT IN MY ESCROW ACCOUNT ON DEC. 17. THEY WANTED THE MONEY BACK AND SAID IF I GAVE THEM MY CREDIT CARD NUMBER RIGHT THEN AND THERE, THEY WOULD TAKE 20% OFF OF THIS AMOUNT. I CALLED AND SPOKE WITH 2 COUNTRYWIDE LOAN OFFICERS AND THEY TOLD ME COUNTRYWIDE DOES NOT DO BUSINESS THIS WAY. WHAT A SCAM! RUN, RUN, RUN FROM COUNTRYWIDE!

BoA screwed me over, too. After spending 6 months getting jerked around by them (numerous people losing documents and emailed information, people I was working with getting "reassigned" to other departments, and my sending them a $400 application fee for refinancing my home), they canceled my application (without notifying me) and kept my money. When I finally discovered my application had been dismissed, they claimed my insurance company failed to send documentation of my homeowner's insurance though my company faxed the information on three occasions and sent the information via snail mail twice. They refuse to return phone calls or respond to emails. Since it was requested that I purchase a single-use debit card for the transaction of the application fee, there is no paper trail to prove they took my money and absconded with it. I know this isn't nearly as horrific as it is for those who've lost or are losing their homes, but it still pisses me off. I have my own financial and life struggles. I don't need the greed and immorality of the BoA employees to add to my burdens; no one does. BoA are liars and cheats and thieves. I hope they all get what they deserve - and soon. -Cheryl

Bank of America has yet another billing scam running. I use their automatic bill pay so that on the due date at least the minimum due is paid. I actually have it set to pay $50 over that amount. But here's the problem.

If I spend enough and my minimum payment increases beyond what I have set I have to go in and change the amount. But Bank of America WILL NOT apply that new amount until the second billing cycle generates. This means that if my statement comes out on the 1st of January and on the 2nd of January I change the amount to automatically deduct from my bank account -- it will not be effective until March 1st.

Time and time and time again BofA has caught me in this trap of under-paying. According to BofA since I supposedly get paper statements I should n=know that my payment won't be enough. Yes, I DO know. But since your system won't allow my automatic payment change to go into effect immediately what's the sense?

I recently received a letter from them telling me that since i had a history of late payment, most reversed, that had decreased my credit line to just above my balance. It was clear that they were setting me up not only for another under-payment, but an over-limit charge. A complaint to the FTC revealed that their actions are classic predatory lending and the new law signed by the president will address. We'll see.

When I pressed them about the decrease they also indicated that I had a negative on my credit report. I pointed out that this was 1) disputed, and 2) a notice of identity theft was on the account. The credit "manager" told me that it didn't matter because I wasn't paying on the account "aggressively enough." She even had the nerve to ask me why I was using the card. Umm... because you extended me credit because of my 780 FICO score.

Say what? I pay the minimum due plus $50. According to BofA they expect a payment of at least two to three times the minimum due. What then is the point of having a minimum due if it isn't enough? She even asked why I was spending, any special reason. I told her, "Yes, my 7 year old daughter has brain cancer and money is tight. I need to pay certain business expenses... usually less than my minimum payment due." She could have cared less.

BofA is the biggest scam and basically steals money from its customers. This is beyond contempt.

I just canceled my BOA credit card for their "payment alert" scam. I always pay my bill in full each month and for a while the alerts worked great but then in dec/jan they stopped coming, despite the alerts being visibly scheduled online. So, I was late that month and lodged a complaint about not receiving the alert--they took off the late fee, but now it just happened again. I logged on and saw I was three days late. No alert had been sent, despite being scheduled. The customer service rep and the manager had the balls to say it was still my fault because I'm supposed to intuit their shifting due dates. I'm done with them after ten years--and I suspect they provoked my ire intentionally since I don't bring them the big bucks through running a balance. They are total con artists.

B of A had similar transactions on my account. I was in dispute over a check they returned in error since the funds were there. They claim there was some funds held although my balance reflected an amount to cover the check. No one could explain why the check was returned but that I should have been notified that funds were held. I did not receive any notification by mail or e-mail.I was not set up on-line to receive ANY alerts other than to remind me of my credit card payment. What I did receive was an NSF alert by e-mail 5 days later after calling them even though I had not made any changes on my alerts!

On another occasion I received my credit card payment alert and since I had set it up for automatic payment from B of A bill payment services I was not worried, until I saw a late payment fee for paying one day late. I called to find out why since it was paid on the due date. They claim that from the time of the day B of A sent the money from my account to the Bof Credit Card account it posted two hours after they close for the day. Since when does B of A close in the middle of the day! Needless to say I was charged the late payment fee and my interest rate went up. Talk about crooks!

We were pre-approved for a home loan thru Country Wide in February, and since that day, we had 4 closing dates. The day before our 4th closing date, which was the 10th of Apil, we were denied the loan. Due to a couple of overdrafts in March. They had us feeling up and down for 3 months. It went as far as the loan processor typing us a letter to take to HR Block showing a closing date on the 10th of April! Thank goodness we didn't take it with us when we did our taxes! Now we can't even think about buying a home for who knows how long. None of this being our fault. We were even approved for a VA loan! The office we went through is in Maitland, Florida. They are being taken over by Bank of America on the 27th of April. We are going to seek legal advice.

I HAVE HAD SO MANY PROBLEMS WITH THE BANK OF AMERICA FLOOD INSURANCE SINCE THEY PURCHASED MY PROPERTY FROM COUNTRYSIDE! Every year they add on additional lender place flood insurance and every year I send them opt out letter after letter saying I don't want the additional flood insurance. I have flood insurance to cover what I owe on the home and they keep requesting me to fill out these opt out letters. I send them over and over again they say they don't get them. I send them certified copies and then they say something like your insurance company (one of the three homeowners, flood or hurricane) sent up a payment so now everything has changed and we need a new opt out letter! This goes on and on every year and I spend months trying to get it fixed and send them opt out letter after letter. I hate BOA never had this trouble with Countrywide! Today they have again placed add flood insurance after I have sent them many many opt out letters. I am about to scream! If anyone knows who I can contact or wants to file a class action suit I am with you!

Bank of America purchased my mortgage years ago from the 1st day I have been bombarded with mounds of paperwork that makes absolutely no sense they tell me I'm required to have flood insurance to cover the balance of the loan on the same paper they tell me they require 100% replacement cost which I purchased then they force place an additional policy on me and call it gap insurance I have paid more in flood insurance in the past 15 years than my house cost example my balance is less than $7000 I'm paying $1500 a year in flood insurance that only covers the balance I have never seen a bunch of thieves and crooks and liars in my life there's a special place in hell for them

must say misery loves company as they say, i thought i was a lone for the past couple years fighting with getting no where no return calls. about 4 years ago all of a sudden i had to have FLOOD INSUR TOO.thanks for all of you, i don, t feel so a lone and i feel better to have read your misery.mine is still a complete night mare of getting no where.i also had a tree ome threw the roof, they won, t even answer or do anything to help me file the claim.

whythelongfaces obviously is a bank employee

WOW...I thought I was alone. Three months ago they added 300 dollars to our monthly payment stating that we had no flood insurance. I proved that we did. They said it was not enough and would not take the extra money off of the bill. I got the FEMA form that showed that our home is not in the flood plain but that and edge of our property is...not the structure. They dtill would not budge. I raised the flood to way more than they asked for. Guess what ..they said they can't change it as the flood has to mirror the homeowners insurance...What ? Both are 400% of our loan. So I am shopping for a new bank. I have to get away from these thieves. I and my children will never use them for anything again, ever.

Unbelievable! we are in the same position so many of you are in. we are paying for flood insurance and required to escrow our insurances per BOA. We are paying over $800 a year in flood insurance and live no where near H2O. we have called FEMA who tells us to call BOA who tells us to call our insurance company and around we go again. ultimately the burden of proof lie with us. we have to hire an engineer and his determination isn't guaranteed to remove us from our zone A...

We bought our house in 2009 through Synovus. After a few months our mortgage was sold to Bank of America. We have a creek bordering one side of our property and two springs on it. Anyone can see we're in Flood Zone A ( high risk) and I completely agree and have never disputed this at all. I have no problem with having to have high cost flood insurance if that is what the mortgage lender requires. I don't like having to pay for it, but I know that we are in a high risk flood zone. I have noticed we have to provide proof of our flood policy every year. We have always had the required flood insurance, and every year about a month after the policy renews, we get a letter stating their records show we have no flood insurance and we have to fax them proof that we have it. After that they don't give us anymore problems.
But we had a real mess with our insurance last year. We made the 'crazy' decision to cancel our extremely expensive flood insurance policy (doing it fair and square abiding by FEMA's stupid rules, after the 1 year expiration date, and notifying both the lender and the 'old' insurance company over 90 days in advance.) We just got a better price from another flood insurance provider and wanted to save some money. Between the joint efforts of our incompetent local (not Bank of America insurance) insurance agent that does not understand flood insurance at all, the stubborn and difficult people at FEMA, and the completely clueless customer service reps at Bank of America mortgage, we ended up with TWO flood insurance policies and a homeowners policy all at one time. Boy, did our payments go up! It took us three months of going round, and round with the local insurance office, FEMA, and B of A trying to convince them that something was wrong. You are not supposed to have TWO flood insurance policies. Even the FEMA website states this because I looked. And neither one of these policies was due to lender-forced insurance or anything like that! Our insurance agent of our expensive old policy failed to cancel it like we had asked. Finally, we got results from our local insurance agent, and the begrudging cooperation of FEMA after 3 months. We couldn't get anywhere with the BofA mortgage customer service people. It was like they couldn't understand what we were trying to tell them in plain, simple English. There literally seemed to be some type of language barrier or something. Well, another wonderfully convenient part of this problem is that we live in extreme southeast Alabama. From what we could tell, there are no Bank of America bank branches in Alabama at all, certainly not within a few hours of our house. We had to make an appointment with a mortgage specialist person at a bank branch of Bank of America in North Florida. We had to drive a little over an hour to get there, and I had big folders filled with information and proof of how much our insurance had been messed up and proof that we had tried to get everything fixed through calling their B of A mortgage customer service number to no avail. I am truly grateful to the very kind bank teller that first took my call at that Bank of America bank branch in North Florida, and to the very sweet mortgage specialist lady that helped us. She was extremely kind and really took the time to listen to our problem, and make all kinds of calls and fax paperwork while we were sitting in her office and she got everything straightened out for us. By the time we left her office, everything had been handled and we have had no problems since then. We were very frustrated with our insurance agent, FEMA, and the apparently 'foreign' customer service reps that could not seem to communicate fluently in English with my husband or understand what he was saying, and they clearly knew absolutely nothing about the intricacies of flood insurance, not even their so-called B of A insurance department was any help! But we will never forget the very, very kind and helpful people at the North Florida Bank of America branch that we visited. They provided us with awesome customer service and an instant solution to our problem and brought our mortgage payments back down to the proper and affordable amount they were supposed to be. We will never forget how much those people helped us out.

BOA! what can I say that already hasn't been said. I have lived in my home for 15 years and NOW! I need flood insurance. $2520.00 worth. Are you kidding me! Wish I could get a $200.00 a month raise. I hope the people involved in making these decisions are very proud of themselves, you must really make your parents and grandparents proud because I am sure this is how they would have wanted to be treated, and that goes for all of our politicians in this country that lie to us on a daily basis and expect us to be held accountable for our actions, isn't it about time you do the same. IT'S ALL ABOUT ME! has taken over this country. THE ONLY PEOPLE IN THIS COUNTRY THAT ARE STILL TRUE ARE THE MEN AND WOMEN IN THE ARMED FORCES THAT LAY THEIR LIVES ON THE LINE AND EVEN THEY ARE GETTING THE SHORT END OF THE STICK THESE DAY'S. DISGUSTED IN OHIO!

A class action suit is underway. I have read all of the above and I feel your pain 13 years I have been under the thumb of Banc of America everything I have seen so far is absolutely true it has been a revolving door that went nowhere. As of February 1, 2012 my mortgage balance is 10, 923.00. I purchased a flood insurance policy coverage 88, 800 my cost $ 766. Effective date February 4, 2012 to February 4, 2013. I received an additional letter from Bank of America. To inform me they have placed flood gap insurance on me. Effective date February 4, 2012 to February 4, 2013 coverage amount 19, 800 my cost $ 103.95. I am a single-parent of 3 my oldest is currently serving in the Marine Corps the other 2 are with me I made less than 15, 000 last year. But here is where it gets really good. I received a letter from Bank of America Today at 1st I thought please dear Lord I have no more money. And after sifting through all the BS at the top I seen this at the bottom and it said. You are not obligated to lower the coverage amount and we will not change the coverage amount unless you mail this signed letter within the time specified in this letter. underneath this in very small letters it said. Yes please lower my required flood insurance coverage amount for the current coverage term to be equal to my unpaid loan balance amount of 10, 920 I am aware that by lowering the amount of flood insurance coverage the flood coverage amount will be less than a flood insurance coverage amount based on the amount of homeowners insurance coverage I last purchased and may not be enough to fully replace or repair the property in the event of damage or destruction due to flood. This is the 1st time I have ever received this letter . I don't know about the rest of you but I have been lied to and ripped off for years. God as my witness I will leave no stone unturned until I get my money back. Please Post this own your Facebook let everybody know.

I have been dealing with the same flood insurance problems with BOA for several years. I own a lake front condo and our flood insurance is paid by the association using our condo fees. EVERY year I fax, mail, email and submit online the new policy and EVERY year they say they didn't receive it. Then they purchase a policy and stick it on my mortgage payment. I have spent more time on the phone trying to figure out what is going on in their system that they can't put my coverage information on file- it does no good! I have gotten many different "reasons" why this could be happening from fax machine problems to them saying there could be more units in the building than are on the policy (WHAT?!?). These people are crazy and I can't wait to be rid of them. Refinancing here I come.

This one is good. Same with this one: http://www.financecreditline.com

I recently wanted a car loan in which my car i owed 19k on and was getting 15k for it and the dealer was giving me 4k more than what my car is actually worth and and i know dealers like to bu***hit people but i looked it up myself on kellys blue book and its worth 11k with the miles i have on it and so i was trying to get a car with 40k miles and was 26,250 the as***les denied me.

But check this.

My credit score is 734 and i have 2 jobs and my father co-signed for me... He has 2 jobs also... The dealer place was enraged i mean like red in their faces all the way because nobody understood why and the bank of America people would not give a reason.

U know what i am neverrr going to bank of America and anyone that asks is getting a bad referral from me.

http://www.insidr.com/referral/qluB210734

Ask any question related to Bank of America, you will get revert within an hour or 2...try it once..

I Had a credit Line of 8000, Intrest rate of 12% fixed after I was approved in Febuary 2009, I contacted the site stating i would like to do a balance tranfer, they told me no problem, I stated I would call back later, And I did this time I got another customer rep, who said that I had credit issues more then 6 years ago, I said yes, I improved my credit score, havent missed a payment, applied for the Bank of america card in 2007 was approved into rate and payed it off as planed then in 2009 got the 12% intrest rate. He then stated well I am not like the other people in my group I think diffrent then they do, LACK OF STANDARD, I dont think I can approve you for the balance transfer, in fact I am going to close your account. He said times are diffrent, I told him if they were so diffrent why did they give me the account and the intrest rate adjustment, he said that well I am different from them.

The bank is horrible. My step-father received a dividend check from his investment and deposited in good faith. However, when he went to use his ATM card it would not work. We went in and inquired about not being able to use his account. Well, they couldn't help that day due to "the block was put on today and the full information is not available yet". Today, my step-father goes down to the bank and was told that he can no longer do business with the bank due to the check that he deposited was fradulent. What in the world? He doesn't have a history of fraud and he is an elderly man. The worst part is he just received a loan for a home and cannot purchase it because the loan is approved to be deposited in a Bank of America Bank only. AAAGGGHHH!

I have also had bad experience with them. They allowed electronic checks to be cashed against my account with the wrong name and address on it. How much obvious of a fraud is that and all they did was credit my account and told me to contact the company doing this. Sickening.

I hope no one else has to go throught this mess.

May 22, 2007
Volkswagen of America
Lithia VW of Reno
Lithia, Medford Oregon

Re: 2002 VW Turbo Beetle

I never thought I would be writing a letter like this about a Volkswagen, how very disappointing. I bought my first new VW Beetle 5 speed in 1999 from Lithia VW of Reno. I had regular maintenance and a few recalls; I liked the car so much in 2002 I bought a new 2002 Turbo automatic transmission from Lithia VW of Reno, “BIG MISTAKE”. I live 40 minutes away from Reno for service. I have to have someone follow me going and picking up. It has become very costly in gas and sometimes I have had to miss work. This car has only 42,000 miles, less than 9,000 miles a year and has been in for problems more than I can count. I go in every couple of months for some service light that goes on, such as air bag (3 times) within a year, coolant, engine. I have had a new catalytic converter, water pump, alternator, headlight brackets, headlights, temp. sensor, MAF sensor, etc. etc.

I have spent $40,000.00 or more at Lithia VW of Reno on two cars, lifetime oil change, extended warranty. Good thing I bought the extended warranty or I would be broke. I still have had to pay $200.00 deductible plus extra cash for this, that, and the other, it is getting ridiculous. Just today I had to pay $372.00 on the airbag again, what is the use in having an extended warranty if you have to pay more than the deductible every time you take the car in.

I was going to give this car to my 16-year-old daughter but she is a student and couldn’t afford the repairs. I’m wondering that when every service person I talk to says, “these things happen”, that maybe a got a LEMON FROM THE GET GO?

A very unhappy customer on VW performance and service.

Lori Ricketts
1792 Mathe Drive
Carson City, NV 89701
[protected]
lricketts@charter.net