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Bank of America Complaints Summary

457 Resolved
1108 Unresolved
Our verdict: When using services from Bank of America with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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6:38 pm EDT

Bank of America misappropriation of mortgage payment

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

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

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

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

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Angellap
New York, US
Nov 03, 2011 7:15 pm EDT

hoovers.com

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8:56 pm EDT
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Bank of America annual enrollment wrong again

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

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5:47 pm EDT
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Bank of America loan modification nightmare

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

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5:05 pm EDT

Bank of America pod account problems acquiring funds

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

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5:17 pm EDT

Bank of America very very poor customer service

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

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phil1
Brea, US
Oct 20, 2011 1:14 am EDT

Bank of America Corporate Contacts

Contacts in the corporate offices of Bank of America

The following are contact numbers and emails for the corporate office of employees whose job is to specifically address all complaints on behalf of the company.

If complaints are not answered or provided adequate attention, I would suggest going online and filing a complaint with the OCC, Office of the Comptroller of the Currency, the agency that regulates national banks www.occ.treas.gov/.

The corporate office MUST respond to both the consumer and the OCC. So if you are unable to get your issue resolved or feel there is questionable behavior or handling of accounts, I would go directly to the OCC or call/email a BOA manager. Better yet cc everyone on the list; calling is always a good option as well, as sometimes the issues can be resolved immediately.

Evelyn Upstill, manager
[protected]
evelyn.upstill@bankofamerica.com

Susan Smith, manager
[protected]
susan.a.smith@bankofamerica.com

Renee Holmes, manager
[protected]
renee.e.holmes@bankofamerica.com

Kasey Dressler, manager
[protected]
kasey.e.dressler@bankofamerica.com

Christina Yuschak, manager
[protected]
christina.yuschak@bankofamerica.com

Scott McGhghy, manager
[protected]
scott.mcghghy@bankofamerica.com

Cassandra Dejurnett, asst manager
[protected]
cassandra.g.dejurnett@bankofamerica.com

Norma Adams
714-579.8510
norma.j.adams@bankofamerica.com

Karin Herndon
[protected]
Karin.l.herndon@bankofamerica.com

Claudia Amaya
[protected]
claudia.j.amaya@bankofamerica.com

Bridgett Loya
[protected]
bridgette.m.loya@baml.com

Derek Kaltenbach
[protected]
derek.kaltenbach@bankofamerica.com

Celestina Burresch
[protected]
celestina.burresch@bankofamerica.com

Andrea Lowry
[protected]
andrea.m.lowry@bankofamerica.com

Yvonne Gonzales
[protected]
yvonne.gonzales@bankofamerica.com

Janelle Worthen
[protected]
janelle.worthen@bankofamerica.com

Adriana Valdez
[protected]
adriana.m.valdez@bankofamerica.com

Kerrie Roberts
[protected]
kerrie.a.roberts@bankofamerica.com

Carlos Pena
[protected]
carlos.j.pena@bankofamerica.com

Asuncion Ngaosi
[protected]
asuncion.c.ngaosi@bankofamerica.com

Additional #’s

[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

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3:18 am EDT
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Bank of America suspected fraud

tue, oct 4th i, wolfgang esch went to this westchester, LA branch location to withdraw $300. at the ATM located inside the bank. Approximately 15 schoolage teenagers followed me inside the ATM lobby and started to make an alarming amount of incoherent earshattering noises. both ATMs were occupied by individuals that appeared to have problem finishing their transactions perhaps also starteled by said earsplittingly loud teenagers. therefore i went to the teller to get my money there. At this point the noise had ceased. The teenagers had left by the time i made it to the teller, ( Brenda Zavala ). Curiously though Brenda Zavala now developed a problem with her Bank computer to the effect of asking me repeatedly (total of eight {8} times) to enter my pincode. I complied but later became worried since Im overdue to recieve an insurance check in a significant amount. can you check this out, please. Was there a large check ( >$ 100000), made out to me, Wolfgang Esch, cleared at your Westchester branch and put into someone else's account. NO JOKING !

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11:59 am EDT

Bank of America promised to shred paperwork, then funded loan anyway

At the end of April 2011, I applied for a mortgage refinance through Bank of America to drop my interest rate from 6.75% to 4.75%. My closing took place on June 30. Prior to my closing, I was not given a copy of my HUD to look over the final numbers. Also, no one explained the numbers on the HUD to me; not Melvin Crawley (my loan processor), nor Christine Mason (the lady who put the HUD together), nor the attorney who was present at the closing.

The night of the closing, I noticed that two mistakes were made on the HUD: 1) I was charged $3503.40 for transfer taxes when I was promised a CEMA loan with no transfer taxes. 2) I was charged $1963.20 for the 4.75% interest rate, when I was only supposed to be charged $1210.93. (I was supposed to be charged for .625 points, but I was mistakenly charged for 1 point.)

Despite the mistakes, the attorney at closing persuaded me to sign the papers for two reasons: 1) He told me to call Bank of America the next morning. He confided that Bank of America waives transfer taxes all the time. They would not want to risk losing my loan. He also told me that just that morning, the attorney attended a closing in which Bank of America waived all of the closing costs. 2) I would have three business days to file a right of rescission, so there would be no risk.

Against my better judgment, I signed the papers as the attorney advised. I called Bank of America the next morning and spoke to Yoshi Hoover (the loan officer I have been working with since April). Mr. Hoover understood the mistakes that were made and that I should have received a CEMA loan. He was going to try and contact a manager to get my loan taken “one step back”. (It was the Friday of the July 4th weekend, and I guess managers were few + far between.) He also told me that if I did not hear back from him by Tuesday July 5, to definitely file the rescission papers.

But I did hear back from Mr. Hoover a couple of hours later. He said that Melvin Crawley’s manager Missy Ryan was on vacation, but he was able to get in touch with covering manager Jason Walters, and he was successful in getting my loan taken “one step back“. According to Mr. Walters, the closing papers would be “shredded” and it would be “as if the closing never happened”. Mr. Hoover has proof of this conversation.

I asked Mr. Hoover if I should still file the rescission papers anyway, but he told me no. If I file the rescission papers, he said, it would void the entire loan, including all the work that was done over the past two months leading to the closing, and we would have to start over again at square one.

Throughout the month of July, Mr. Hoover and Mr. Crawley continued to work on getting me the CEMA loan. I received a refund for the check that I had written out on the night of the closing. Bank of America was having trouble locating my original note, so on July 27, Mr. Crawley called me and offered to waive $1000 of my transfer taxes if I were willing to move forward with my loan without proceeding as a CEMA. I politely declined because I wanted the CEMA loan that I was promised.

Two days later, on July 29, my loan was funded. I don’t know how that happened as I was assured by Mr. Walters that my closing papers were to be “shredded” and it was to be “as if my closing never happened”.

To this day, I have been unable to obtain any kind of recompense from Bank of America. Missy Ryan (Melvin Crawley’s manager) has been less than helpful, stating that a mistake was made, I should not have been told what I was told, and they cannot ignore signed documents. Jason Walters has not returned my e-mails. I have also left a couple of voicemails for Norman Brooks (Missy Ryan’s supervisor), but he has not returned my phone calls either.

I feel as if I have been defrauded by Bank of America.

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6:54 pm EDT
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Bank of America systemic corruption

As someone who has the misfortune of working closely with bank of america on mortgage modifications and repurchases, I can attest to the fact that bank of america, via the countrywide division, perpetually demonstrates the highest degree of incompetence, gross mismanagement, and institutional corruption. Their modos operandum is to bully, intimidate and muscle others to comply with their improper and unethical demands. The same pond ### that perpetuated mortgage fraud on a massive scale with countrywide home loans are still infesting the organization. Unfortunately, they are now focused on whitewashing their past sins and off-loading the consequence to others. The public will continue to be victimized by the deceitful and dark behavior of this company unless the regulators and/or lawsuits dismantle this company.

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6:36 pm EDT
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Bank of America mortgage mishandling of payment

I mailed my payment to BOA through my bank's online bill pay system. I mailed a payment of $347.10, but my payment due was $374.10. BOA held my check for two weeks, without contacting me to notify me that the payment was wrong (by $27). Two and half weeks later I received a check in the mail from BOA, for the payment I had mailed, with no explanation. I called BOA and was told they had a new policy of accepting NOTHING but the full amount. When I asked why I had not be notified of this policy, nor the fact that the payment was incorrect, the customer service representative was unable to provide an answer. Today, 10/08/2011 I received a notice of intent to forclose on my home!
How complaint can be satisfactorily addressed

I want the late fee refunded, and I want extra time to make the payment from September, so that I can pay this month and last month in two payments rather than one lump sum. BOA says they will ONLY accept payment in full on the account or they will forclose. Payment due is $766.91. I would like to pay $374.10 10/14/11 and the remaining $374.10 10/21/2011.

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6:10 pm EDT
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Bank of America - rip off

To whom have mortgage loan with bank of america, I borrow money on my home with cash out back 7/2004 amount of $120, 000 and the interest rate is 6.4% my payment is $890.16 each month I pay home owner ins. And the property tax my self. You was think out of the $890.16 some should go to interest and some would go to principal, since I have this loan for 7...

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3:47 pm EDT

Bank of America what a ###

My 16 year ancient 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 MONEY 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 MONEY 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?

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3:03 am EDT
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Bank of America pre paid card - new card never received

I have a bank of america pre paid visa were I receive my child support money. My old card expired last month and I did not receive my new card. Called bank of america because I moved a few month ago and had them change my address. Was told that they send out my new card to the old address but that they would issue me a new card to my new address. Few days later - no card. So I called again and was told that my account was in the negative and they would not issue me a new card until my account is in the positve. How can a pre paid card be in the negative. Asked the support person and she said that my suscription to the sportsmagazine was being paid and that this was the money that brought my account in the negative. So I waited a few days until I received another child support payment. Again no new card. Called again and was told that the card was on its way. Waited a few more days... Nothing. Today I called for the fourth time. Was told again that they can issue me a new card... Asked for the supervisor. Cecile answered the phone after a long waiting time. He informed me that they will issue me a new card (For the fourth time) and that if I want to expedite the delivery that I have to pay 24 $ or they could western union the money. Again I have to pay for the service. I have now 1.600 $ for two weeks somewhere and cannot access it because bank of america cannot issue me a new card. Where is my card... ? Where is my money?

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5:33 am EDT
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Bank of America rude branch managers

Bank of America is the Worst bank! I am not complaining because I was charged with fees or a check did not clear...I am talking about the rudeness and uprofessionalism of management and back offices. I went to one of the branches to be informed about their procedures and services...I was not complaining and before I knew what was going on the manager started to respond very rude and said that is the way it is and I have other customers to attend to. Where did this come from I have no idea... I closed all my accounts.

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11:27 pm EDT
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Bank of America annual fees even with account closed

Since I lost my job in 2008 and moved from Calif. to Indiana I have no need of a Alaska Airlines Card. This bank, in spite of my closing the account as a no longer needed credit card, continues to charge $75.00 per year every August even though I can no longer use the card. Just having a balance that I'm trying to pay off each month is enough for them to charge it. I am now disabled and on Social Security and there are 14.8 million of us unemployed workers out there who cannot afford these rip off fees.
It's bad enough that this bank got into the fix it was in and borrowed money from us taxpayers and they constantly complain they don't make enough money. I say that is a load of BS and just not right and is highway robbery. I am going to write a letter to the home office but I doubt it will do any good.
I am being ripped off every year by this bank - I might as well give a homeless person the $75 rather than this bank - at least it would do some good.

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10:28 pm EDT

Bank of America small business account

Had a small business account with bank of america which I now closed. started getting 14.95 service fee every month for online banking, when called their cust. service dept they said I signed up for something called business suite account management I never did I was told it was free for three months and then if I became an advantage customer it would only cost 0.05 more a month, now I’m recieving 29.95 monthly maintenace fee even though I used their business debit card when asked to cancel it they did but no refunds or apologies the customer service rep was very ignorant and proceeded to tell me to pay attention to my accounts with online banking.

Bank of America should give courtesy lessons to their service reps in Florida and have consideration for those customers who don’t have a computer or want to do online banking. All Bank of America wants to do IMO is nickle and dime their customers I’ve had an account with them for close to 10 years, now I will stick with my local bank at least their customer service and practices spend time explaing not just adding products without the customers knowledge. SHAME ON YOU BoA for “ripping off” customers that had trust in your bank.

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ales dan
, MA
Aug 22, 2011 11:08 pm EDT

I just paid $23.57 for an iPad2-64GB and my girlfriend loves her Panasonic Lumix GF 1 Camera that we got for $38.76 there arriving tomorrow by UPS. I will never pay such expensive retail prices in stores again. Especially when I also sold a 40 inch LED TV to my boss for $675 which only cost me $62.81 to buy.
Here is the website we use to get it all from : BidsBit.com

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5:44 pm EDT
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Bank of America business open line of credit called due

I have banked with boa for 25+ years. Dec 2010 I received notice our $100, 000 open line of credit is due and payable 12/2011. Used/paid back many times; never late.
I immediately contacted them and told the product simply is not offered anymore; nothing to do with relationship or credit. I was told boa would contact me at the end of the year to discuss. Because of these tough economic times, I did not want to wait and demanded to know what other options would be substituted as I was concerned with qualifying for a new loan under the present loan changes etc. And of boa recent business practices. I stopped making payment to assist me in getting proper contact and answers. With non payment, I finally was able to get in contact with pamela san culbreath who is my client manager to assist me my small business accounts. She kindly closed my checking account without notice. She next refers me to a different person to speak to regarding this loan and new application. I spoke to new contact briefly and set up contact date. He did not call. When I called him, he was now unavailable until 9/9/2011. Now I have another contact. She made the decision to close the checking but yet will not tell me why she made that decision. When I got out of the hospital, I contacted her;she sent their standard bank statements saying if at 0 balance they can open or close. I am not sure pam took the time to know us and our businesses. She said she did not want our deposit account (60 days no activity except their withdrawals for banking fees). I had a personal account without activity which was not closed. I have other business accounts she did not close; but I am not sure she even knew us or spent enough time to know of other business accounts. Needless to say I am in the process of closing all accounts. I further would like to know of any others treated in this manner. I have asked for a copy of the document that allows them to call the open line of credit note due in full at anytime which I have not received. Pam ignores my request.
Bank of america now seems to be in trouble; perhaps they need to look at their client managers and their effectiveness!

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Bank of America private mortgage insurance cancellation

I have a mortgage with Countrywide / Bank of America that I have had since October of 2005. Since this time, I have been paying PMI and constantly requesting Bank of America to cancel the PMI. I had an appraisal completed on April 17, 2009, and both the appraiser and myself forwarded the appraisal to Bank of America on April 20, 2009. Since this day, over $3, 120 in PMI payments have been collected from me. I have been in email discussion with Bank of America on this issue and received a voice mail from Bruce Wood, at [protected] extension 1511661 on July 28, 2011 at 11:25AM. Mr. Wood advised that he was looking into the issue and will either resolve the issue or give me a status update within 48 hours. On Tuesday August 2, 2011 at approximately 11am, I called and left him a message requesting a status update. On Wednesday August 3, 2011, I left another message. I have yet to hear back from anyone at Bank of America and it has been well over the 48 hours promised. To pay PMI for over six years is a complete mockery of any fairness to Bank of America's customers. The constant refusal to remove PMI although I have paid $400 for an appraisal is a blatant disregard of any policy.

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Bank of America moneys missing from my account for 18 month span

Bank of America: Why did your fraud department take my money out of my account $902.00 in May 2011, and then they paid me some money back, $540.00 june 2011; then took it out of my account again in July $540. June 6/ 27- 28 /2011. Do you think I am a toy, you can keep playing with? I am a dissable person, and when your fraud department hinders the claims, I have made about bank of America, and the young blond bank teller, on 10 N. Park Place Morristown NJ. Taking my money without provocation leads you into a law suit. I do not think he is taking the cash out, I believe he is using two accounts and transferring the moneys to another account with a bogus name or my old account and then he removes the money. I will have a Jury sympathizing with me because of the tactics that your fraud department used on me. Your lawyers will be scrambling to try to reach an agreement to settle with me out of court. I would like to tell the media, how bank of America treats their disable customers. I will be in court with Bank of America in three to four months. Please do us both a favor, and Give MY MONEY Back to me. My Bank of America checking and savings were compromised, and I am paying for the trouble your bank has subject me to, my funds were being fraudulently taking out of my account, and by your bank also removing funds from my account, and leaving me destitute for four months, I have been mentally subjected to a poverty level and mentally and emotionally crippled. I do not have funds to take me through the rest of the month. I only hope that none of your people have to go through the same treatment I have suffered at your hands? Every time I Call Your Fraud Department; for the past four months I receive a different story from one of your Associates. I have been told, I was going to get an answer July 15, 2011, to the fraud claim I have submitted to you, and never did. I am still in the dark on the subject of the Moneys You Removed From My Account. Your way of handling this matter; has not been an experience that I have read about in your description of how BA handles fraudulent scams. When your fraud department cheats BA's customers out of their moneys it is an affirmation of how you treat your customers. I have been Abused by your process of singling out a person who is in real trouble; or maybe this is your Idea of how to swindle your way out of paying your customers, for their tragic losses on his/her claim. How does one survive, after BA taking moneys from me after I reported moneys in the amount of $9, 027.00 dollars out of my account in a 18 month scam from one of your tellers and my be someone in a management position? And this has burdened bank customers and defrauded them out of their funds. What, BA has done is to convince their customers their wrong, and not pay fraudulent claims. The real buffer, is to hold out for a long time and get bank customer to except less moneys than reported to BA on their fraudulent claims. I am a patient man, and I would like to recover the moneys; that have removed from my account, over the past 18 months, illegally. I have been jerked around by you're so called fraud department, for the past four months. I would like your bank to give me back, the funds that have been removed out of my account by your fraud department and stop trying to keep me overwhelmed and stifelled, with your shock tacticsI. This may be a joke to you; but I am disable, and have been living at the poverty level for the past four months. This is your fault; and I want restitution. I do not want to wait another four months to get payed. I would also like you to stand behind your claims, to satisfy all victims of fraud a100%. The total amount BA owes me is $9, 336.24, plus the moneys you have removed from my account totaling $1, 900.27, or I will see you in court in october. I will recover the $9, 336.24 that was taken out of my account by thieves, from March, 2010 through July 2011, the sum of $1, 900.27 dollars; the moneys you removed out of my bank account. I have been burdened with you're extracting moneys from my bank account and also I will sue for another $350, 0000 for the pain and suffering, your bank has caused. I have had to endure not having funds to support myself, to the punishing mental anguish and the tragic loss of the full amount of my Social Security Disability income, BA removing additional funds, and living at a poverty level I have had to sercum to over the past 18 months. Truly, Paul D'Agostino.
They have FDIC insurance, and I deposited my moneys; with the understanding that my moneys would be safe! This is not the way for a bank with BA's banking assets and the amount of banks across the US to treat their customers. Maybe this is why there is so many bad things written about BA on the computer, about things they have done to their customers. Does BA still has their integrity? Bank of America has extracted funds out of my account, in the amounts of, March 27, 2011, $540.00 April 3, 2011, $902.27 -May 3, 201, - $540 July 1, 2011, 2011, the total is $1, 947. 27 and BA has refuse to release these moneys back to me that they extracted from my bank account. (And they have no claim on these funds) (It is my moneys from my Social Security Disability check.) Bank of America also extracts my moneys as soon as it is deposited by Social Security. I also talked to a man leaving BA where I bank, ( John Fitt) and he said the same thing that moneys have been missing from his account over the past 10 to 12 months, and it totaled over $3, 000 and plus all the overdrafts. He, also told me, his friend left BA on park place, because he was having the same problem and moneys started to vanish out of his account. I over heard a woman yelling in the branch managers office, that moneys are missing from her account also. This is not a coincidence, this is someone in the bank mishandling our funds. The bank also claims that if a customer is a victim of fraud, they have a zero tollerance for fraudtolerance and a 100% recovery policy, if their customers account is fraudulently compromised. I would like to recover all the moneys taken out of my account by Bank of America, the $755. I was charged by bank of America, and all of the moneys taken by the blond haired bank teller who asked for my pin#. I believe he was not removing the moneys directly from my account. I think this is a more illaberret scam, he is switching moneys from my account, to another account after he uses my pin# to extract the funds. Then he can switch the moneys to his account or just withdraw on another day. What are your thoughts? This is not a coincidence, this is someone in the bank mishandling our funds and I believe management is involved. The bank also claims in writhing that if a customer is a victim of fraud, they have a zero tolerance for fraud and a 100% recovery policy, if their customers account is fraudulently compromised. I would like to recover all the moneys taken out of my account by Bank of America, the $755 I was charged for overdrafts. The moneys taken by the blond haired bank teller who asked for my pin#. I believe he was not removing the moneys directly from my account. I think this is a more illabret scam, he is switching my moneys to another account after he uses my pin# to extract the funds. Then he can switch the moneys to his account or just withdraw the funds on another day. What are your thoughts?

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Bank of America bank of america

Bank of america changed our account for our home loan from a straight account to one with an escrow. They wanted to charge us a whole lot of escrow; add it into our home payment (With back escrow) , and wanted to raise our payment over $1300 a month more.

When we called and complained, they lowered the amount down to $500, but it still was excessive. We then requested to go through a loan modification. Bank of america had us go through three approvals until we received a letter telling us that the modification had been declined. This took seven months (Maybe longer) .

After december, they stopped accepting our payments. We were hoping that the loan modification would help with the late payments on our credit report. This company is by far the most inept business i have ever dealt with. We requested a letter telling us what we needed to do to get caught up, and basically got the runaround.

Now our credit is ruined, and bank of america refuses to do what is right, and fix the problem. It is not fair to refuse payment, and start counting someone as late when they eventually will get their full payment. I do not recommend boa to anyone. They are inept and unwilling to accept responsibility for their faults.

I think they want people to go into default, and foreclose on their homes. Even when we were caught up, they did not apply our payment. We were hit on the credit report again. It took two calls for them to fix it.

I am still not sure they have fixed the last problem. The last one i spoke to had an attitude problem and said
I was trying to strong - arm him into fixing the credit report problem. I only want them to do what is right.

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Montoto
Miami, US
Aug 03, 2011 9:10 pm EDT

Bank of america is the best bank, you credit is ruined becasue you dont pay your bills on time.

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Montoto
Miami, US
Jul 28, 2011 11:37 pm EDT

[removed] now own the major us bank. . .

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Bank of America failure to release lien on car for 7 years

I purchased a car in florida in 2001 with an auto loan from bank of america. I repaid the loan in may 2004. When I recently (June 2011) attempted to sell the car, I discovered that bank of america had not released their lien on the car. The first boa agent I spoke with wanted to charge me $20 for a lien release statement. I declined and called the florida dmv to determine what exactly I needed. They told me that boa needed to release the lien electronically via the fl dmv system.

I then attempted to get back in touch with boa (7/12/2011). After being hung up on multiple times, I finally got through to an agent named diane washington. She initially told me that it would take her a few minutes to put the information into the system. When I pressed her to clarify whether she meant the dmv system, after several rounds of q&a, she said: no, she was just keying in a ticket for someone else to address. When I asked her when I could expect this someone else to actually get onto the fl dmv system and release the lien, she said it would take 7-10 business days. When I told her that was completely unacceptable - they had already had 7 years to release the lien, she said she would put a rush on it and have it resolved within 48 hours.

It was not. I called the fl dmv four business days later (7/18/2011) and was told that boa had not filed the lien release.

I called boa back this morning (7/19) and spoke with an agent named jacob landrum, who said that boa filed the lien release yesterday, though he could not tell me what time it had been filed. He offered no explanation or apology for not meeting their promised turnaround time of 48 hours. I then called the fl dmv back, only to be told that the lien had not yet been released by boa.

I then called boa back and spoke to an agent named kia collins, who was unable to provide any further information. I then requested a supervisor and was put in touch with tonnisha taylor, who told me that diane washington could not have promised me a 48 hour turnaround because their typical turnaround was 7-10 days. I assured ms. Taylor that ms. Washington had and that even ms. Collins had seen the promised 48-hour turnaround in the system. She then said that if ms. Washington had promised me a 48-hour turnaround, she should not have done so.

I then asked ms. Taylor why a two-minute task & ndash; filing the lien release in the fl dmv system & ndash; should take that long to complete and she replied that & ldquo;the agent needed to research the matter before releasing the lien. & rdquo; note that all call center agents and the supervisor had complete access to my repayment date and all other vehicle and loan information they needed. So it is still unclear to me why filing the lien release should even have taken 48 business hours, let alone the 96 business hours that it appears to have taken & hellip; and at this point, I only have boa’s less-than-credible word that they have actually filed the lien release.

I am completely disgusted with boa. Not only have they not been proactive in addressing their 7-year old error (They took my phone numbers but never called back to inform me that the matter was delayed or resolved) , but at each stage, agents have been downright ignorant, made excuses, prevaricated, and simply attempted to get me off the line as quickly as possible without any concern for resolving the problem. Given everything I read about the company and my own past experiences with them, I probably shouldn’t be surprised, but I am & hellip; that a company this unprofessional continues to stay in business.

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Chica19
, US
Mar 29, 2012 8:53 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I am facing exactly the same issue described. They are making me run around and asking me to call different toll free numbers. Did you find the solution on how to deal with this issue. Please let me know. I desperately need some help.

Bank of America Customer Reviews Overview

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Bank of America In-depth Review

Overview: Bank of America is a well-established financial institution with a rich history and a wide reach. It offers a comprehensive range of services and products to meet the diverse needs of its customers.

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Overall Rating and Conclusion: Bank of America is a highly reputable bank that offers a wide range of services and products. The bank's customer service, online banking experience, and account options are commendable. The loan and credit products, investment and wealth management services, and branch and ATM network are also impressive. The bank's commitment to transparency, community involvement, and corporate social responsibility further enhances its reputation. Overall, Bank of America receives a high rating for its comprehensive banking services. However, there is room for improvement in terms of fee structure and further enhancing the online banking experience.

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