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Bank of America Complaints Summary

457 Resolved
1106 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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Bank of America employment

On 3/2/2011 I applied for a position for a Human Resource Manager for which I am more than qualified. I have 30 years of banking experience and 10 of those years were in Human Resources. In less than 8 hours, I received an email saying that I was not qualified. I am concerned that so many "decisions" are being made by computer programs, that companies are missing out on opportunities to hire the most qualified individuals. Are these programs designed to "screen out" candidates, rather than identified the more qualified candidates. Are these companies seeking to manage their expenses by hiring less experienced candidates? I would like to know how we are supposed to help fuel the growth of the economy, when we can not gain meaningful employment in roles that we are qualified and over qualified for.

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FDL_HOU
Houston, US
Mar 03, 2011 3:32 am EST
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Of course you have no proof that decisions are made by "computer programs" nor that your other "concerns" are valid. If you are in HR then you do know sometimes a candidate may be not chosen right off the bat, is because they already have someone in mind. They still have to post the position.

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Bank of America short sale

Bank of America has gotten a bad rap with its short sale process and with good reason. Everywhere I go it seems people are having trouble on both ends of a short sale with BOA. My wife and I are no different. We have had a contract in with Bank of America to purchase a home since June 6, 2010. The home itself has been on the market since 2008 and only one other buyer has attempted to purchase the home prior to us. They got fed up with Bank of America and backed out of their contract after 6 plus months. As a buyer we have excellent credit, a buyer for our current home, and a lender ready to go. With the current economy and the threat of foreclosure this seems like a pretty simple deal. The issue at this point is a disagreement on the price. Back in September we were a week from settlement on an agreed upon price of 420K (based on BOAs appraisal of 500K). Sounds like a great deal. Our lender had a legitimate appraisal done on the house as is required and resulted in a market value of 375K. Obviously, the lender was not going to give us the loan for a house that is worth 45K less than the agreed upon price and 125K less than BOAs appraisal. Apparently, BOA does its appraisals based solely on comparative homes in the area and from across the country. Their Short Sale department is based in California (I am in Maryland) and they have never seen the house we are trying to buy. They have not had someone go to the house for the appraisal. This gives a very in accurate estimate of the true value of the home. The houses compared to the one we were attempting to buy were move in ready and not in distress. The home we are attempting to purchase has not been lived in for some time and is in complete disrepair. Walls are in desperate need of paint, carpet is completely soiled, the hard wood floors a heavily faded, meat was left in the refrigerator with the power off, the well pump is bad, and the list goes on. The house is not livable in its present condition. It is unfair for BOA to be unwilling to negotiate lower on the price when they have not done a legitimate appraisal of the home.

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miha nana
Sunnyside, US
Feb 09, 2010 3:31 pm EST

Short Sale Problem,

Short Sale Team,

I have a problem with the short sale ...
I put an offer to a house, in Arizona, Short Sale, I like to know WHY it takes 4 to 6 month, I think is too much, for Bank of America to gave us an answer, I have a very good credit, and I have the mortgage approved from Chase Bank, the delay will hurt everybody, the seller and me, the buyer. Why so slow?

I do have a negotiator, representative from the Bank of America, but is doing nothing ...

Please, review the process of the short sale on your side, and let me know what can I do on my side, to expedite the process.

Thank you, and I am waiting for a positive answer and fast result.

Sincerely
Miha Nana

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AnjaliB
Exton, US
Sep 17, 2009 1:50 pm EDT

On March 15, 2009, I made an offer on a short sale property. 75 days later, the listing agent emailed Bank Of America (who held the property) that the process was taking a long time as they had gotten the property finally released from bankruptcy in June 2009 and we wanted to proceed with negotiations. B of A negotiated a price for the property, I accepted the price. I signed the agreement of sale, B of A accepted the agreement of sale. In late August 2009, I was informed that the short sale agreement would expire on 8/31. We were still in the process of completing the mortgage approval process so we were able to get an extension from B of A. Ultimately, we agreed to close on the property on 9/15. When we got to the closing table, the title company was informed by the bankruptcy court that the property being sold was part of their assets and had not been released for sale. Bank of America had had supposedly had the property released from bankruptcy 3-4 months ago. They (B of A) have insisted that the property falls under their jurisdiction to sell. They are now going through the motions to approve whether to petition to get the property release from bankruptcy. They are unable to give any time frames. They have had this non performing asset on their books for over a year and had a serious buying in the waiting for 7 months. Meanwhile, they have failed to do their due diligence to sell the property.

Damage Resulting
I have given notice at my apartment that I am terminating the lease at the end of the month. I have to extend my lease but will be subjected to a lease break penalty if this gets resolved in less than 60 days. I rented a truck to move on 9/19. I have paid for the appraisal, earnest deposit, inspection. I took a full day off from work to go to the closing table. I have lost interest for 4 weeks on monies transferred from a high interest account to a lower interest checking account. I will not be within the time frame to apply for the $8000 first time home buyers tax credit if this drags on past October 15.

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lmbunl
, US
Oct 29, 2009 5:25 pm EDT

Due to a pending layoff, I proactively put my property up for sale in February and contacted my Bank of America mortgage department and began the short sale process. They first stated that they would not even consider my paperwork until I was at least 60 days late on the payments. I immediately stopped paying the mortgage per their request so that my paperwork would be shifted over to the short sale department. I immediately had multiple buyers submit offers for approval in early march for an amount extremely close to the payoff amount with Bank of America. My attorney immediately began receiving misinformation, blatant lies, run arounds, holding on the phone for several hours at a time, transfer of short sale analyst, lost paperwork, resubmit paperwork etc etc. Because of this, I lost 4 buyers over the first couple of months b/c they were just as frustrated as I was. When they finally got their act together they rejected one offer. they did not inform my attorney nor myself that they were rejecting the offer until I received a phone call asking me why my payment was late. We then submitted another offer which we are still waiting on an answer two weeks later. It now gets worse, I received a letter and very inaudible voicemail about calling them. The letter stated that they were starting foreclosure process...I tried calling today (similar story to my attorney), only to be transferred 4 times, cut off once, then they couldn't find my account on to be transferred to a department that doesn't even work on original Bank of America loans. No one is calling back either my attorney nor myself to get this place sold. I do not want a foreclosure as I worked very hard in being proactive about selling the place and keeping my credit intact.
By now, this process and passing the buck has gone on for over 9 months! My credit score was very high and I had hoped that this process would have moved faster...however, due to all of their "issues" my credit has now been ruined. Bank of America should be fined heavily and looked into their business practices as I as well as my attorney have the records to prove that we have been submitting the correct paperwork, contacting them etc etc.

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bluedog1
Bend, US
Jan 14, 2010 2:31 pm EST

Sorry about spelling or grammer, the following is my log. I am usually so made after dealing with them I can't think or write.
Bank of America
Sent short sale packet on 10/27
Called to confirm and was asked to send additional information on 10/30
(letter of non-employment, P and L statement, listing agreement, verification of buyer funds)
Was asked to send form authorizing release of information to Traci Kemnitz 11/17
Somewhere in here, B of A and Countrywide merged short sale operation and all hell broke loose. Called every day, was told data was supposed to be transferred from one system to another. To call back tomorrow. I did that for a week straight.
Was told on 11/23 they had none of the information I had sent to them. Re sent it all.
11/23 Keith re-took my information over the phone, told me to resend packet and would receive a call back in 5 days. Then talked to Miguel in short sale, he said they would not even receive information for 10 days and not to call back until then.
11/30 got collection call from Maria ext. 7518, Keith never put in information that he took over the phone, nor information that I had an offer pending and was requesting a short sale.
Maria re-took the information and told me this time it was entered.
Called back on 11/30 and automated system said more information would be available on Dec 9th.
Called back on 12/9 and spoke to Silverio, he told me information has been received and to call back on 12/13 to get the name of my negotiator.
Called back on 12/13 and Spoke to Ginger. No negotiator has been assigned. Purchase and sale agreement had been downloaded into system, but no other info. She said she took the necessary step to send it to a negotiator, which would take 10 business days to get one assigned. She said to call back the end of the month. She also said to fax the Authorization to release information form to [protected]. Evidently, I had faxed the authorization to the wrong fax number, even though I faxed it to the one they had as return fax number on the form.

12/16 Spoke to Shelly Graham and she said that a negotiator has not been assigned yet, but that we should have one any day now. However, once it is assigned, the negotiator has 10 business days for what is called "Phase I", review of file and offer. On January 4th we can call back and discuss Phase II, which is 30-45 calendar days of negotiations on price and offer, appraisal most likely. Then Phase III is another 10 business days to close.
12/21 Recording I got, “ A work out negotiator is reviewing your request for assistance and collection activities have been temporarily been suspended during the review process we will complete and thorough examination of and analysis of your loan we may or may not need additional information from you but it is common you will not hear anything form us during the review period. We expect to have more information on Jan 18th 2010. Please do not Call us before then as that may delay the process but if we contact you make sure you respond promptly as failure to do see can cause your work out to be canceled.” I went through the process to speak with someone because I had received a phone call from someone with B of A last week, and got David on the phone. did. He told me no negotiator had been assigned. He also said when an automated message is generated it usually shows up on the file. That recorded message wasn’t showing up on my file. I asked him to make sure B of A was not in need of additional information from me at this time, as I was contacted by them last week, and had asked them to call me back, which they never did. He told me no additional information was needed. He said the file had went to shortsale on 12/14, they have 10 business days to assign a negotiator, until 12/29, if one isn’t assigned by 12/29 I am to call and request an escalation to assure a negotiator is assigned. He told me once a negotiator is assigned they have 20 business to work on the file before making a recommendation.
12/21. I called back later in the day to record the recorded message which I did. I then got nervous because verbiage was for a work out negotiator not a short sale negotiator so I went through the process to talk to Debbie. I read Debbie the message word for word, I will paraphrase her response. She told me to disregard that message. 90% of the time they are false. She had put in a request to her supervisor because numerous people had been calling in and requiring about incorrect messages. She told me never to obey the do not call time lines. She said that information is false, and in no way would calling in slow or delay the process. She reiterated what David had said, 10 days to assign a negotiator. I then told her what David had told me, to call back on 12/29 and request an escalation. She said that is correct.
Traci called me to tell me a negotiator had been assigned and they called her about ordering an appraisal.
1/5/09 Called and spoke to Johnson after being on hold for 25 minutes. Negotiator is Timothy Nickels, e-mail is timothy.nickels@bankofamerica.com. He was assigned on the 23rd. Johnson told me he has 10 business days to do something with the file. I should call on Friday to see what is going on. He also told me I could register and go to www.equator.com register, and could then track my account on-line. Number to call to register is [protected].
1/5/09 Called [protected] and spoke with Daniella. She asked me if I wanted to register with equator. I asked what it was. She told me it was a way to track my shortsale on line. I said okay. She asked a bunch of questions, and then sent an e-mail with login-information, and said I would have to downloan some information. Seems that I have to re-send all the information I have sent them twice. This really pissed me off. I told her I don’t want to start over for a third time. She told me I have to, if I don’t the process will get kicked out and I will have to start from scratch. She told me a negotiator wasn’t assigned and I was just beginning the process. I kept repeating that I just got off the phone with Johnson at B of A and was told Timothy Nickels was my negotiator and that he had 10 business days to get through phase 1 and that I should call in on Friday for an update. She said that was incorrect he had 20 business days. She told me I had to “download” all my information into equator, or at some point I would have to start from the beginning. I asked how long this equator thing had been going on, she said the beginning of December, I asked why was today the first I heard of it, she said certain files are chosen to move over at certain times. I told her I didn’t want to move it over, and she said “too late” she had already initiated the short sale in equator. Nothing I can do, but re-send all the information.

I then looked on the web. Need to re-send taxes, financials, plus Traci Kemnitz will have to re-send all the real-estate info. Remember this is the 3rd time. First info got lost in change over from Countrywide to B of A. 2nd info got lost in change over to equator. If process takes, 90 days and they have a changeover every 45, which puts you back at the beginning how will anything ever get done.

1/5/09. Looked at all the stuff I had to input, called [protected] to get another opinion. Got David this time. Told me unfortunately I would have to re-send all the info. I asked if he could just delete me from the system. He put me on hold to check. Came back and said he could, but eventually I would have to re-send it. Asked him if I would be starting from scratch. He said no, that this should not interfere with the process, and just need to get everything in by Saturday. I need to scan 30 pages of taxes, re-do financials, scan bank statements, pay stubs etc. I then asked him about time lines, since today I had received different answers, David stated, phase 1- 10 business days, phase 2-15 business days, phase 3 up to 35 business days.
Traci also called me today. Seems Timothy Nickels had called her this morning, told her to go to www.equator.com to register and then call him back. She had to input license information etc.etc. Was trying to call him back this afternoon.

1/5/09
Today is 50 business days, not counting 3 holidays, since I originally sent Bank of America 36 pages of documents. We are still not through phase 1! I have done everything asked of me in a very prompt manner, and still I get nowhere. Every person I talk to gives different answers and different time lines. These people should be in jail.
1/8/09
Put the required information in equator.

Then called. First, the message said the short sale has been denied. I went through the phone bank and got to Ivan. He said no update on the file. He said the appraisal looked good, and it just came in on the 7th, which is odd because I was told on the 5th they had it. He said timothy nickels had until jan 19th to do something with the file. I asked him if I should call or e-mail timothy or if I should wait to hear from him. He said it wouldn’t hurt to get a hold of him if I could.

11/12 Found a complaint at complaints board.com. that explained what other people went through trying to purchase a shortsale from B of A. Was almost the same thing I am going through. They had gotten a call from Cindy Repreza who is a custormor advocate, number is 1.800.669.2443 extension 3542, after they had written a letter to multiple Bank of America executives complaining about the horrible service. So a gave her a call and told her I had been referred to her and I needed help with a short sale. She total me she couldn’t help as this was an internal line, so I asked what to do to get help. She took my loan number and then asked if I had been in contact with Timothy Nickels, I told her we’ve tried, but haven’t heard back. So she said to call Timothy’s supervisor Chadd Grogg [protected], I passed that out to Traci, my realtor, and she called Chad and left a detailed message.
11/14/09 Traci got this e-mail from Brian Lorenc. Traci,
I received a follow up call from a friend of the borrower who originally escalated the file. I see the file has been moved into our short sale system equator. I see you have a task pending to be completed that was due by 01/09/2010. It is for you to upload your authorization on the account into the system. Once that task is completed you will be assigned more tasks to complete and the process will move forward. Let me know if you have any questions.
Thank you!

I hadn’t mentioned this earlier because it felt like such a long shot, but. The buyer says he knows the President of B of A. Who this is, I have no idea. He asked a few weeks ago if he could ask him for help. Traci said by all means, and sent him some of the documents that have been going back and forth. So maybe Brian is a result of that angle.
So Traci wrote him back: I did upload the authorization that day. This is very frustrating in that the authorization was sent to BofA twice in the last 2 months, and yet no one seems to have it. How is it that when I was calling in to get status reports they were speaking with me and acknowledged receipt of the authorization?
I will be in a meeting from 10-11 am this morning. As soon as I'm done I'll do it again. I want Bank of America to be aware that they have an offer in front of them that is $75, 000 and $50, 000 higher than the most recent sales in Caldera Springs, and that the buyer has plenty of other opportunities out there. I urge Bank of America to answer this offer immediately and get this transaction closed.
Brian responded: Traci,
I do apologize for the inconvenience for you. I see you accepted the request to be the agent on the deal on 01/05/2010, but I don't see the authorization was loaded into the system. If you have trouble with it this afternoon please let me now. Also, after you upload it let me know as well and I will verify it is loaded into the system for you.

Thank you!

So this does look promising. Traci has been talking to B of A for months on my behalf. The Authorization Document looks like it has been through a war zone, it has been faxed and scanned so many times. I logged onto equator and tried to upload while Traci was in her meeting and couldn’t find an area I could upload it to.

I should mention that at this point I have twice written both of my Oregon Senators and my Representative asking for something to be done. I also complained to the Federal Trade Commission [protected] and the Federal Regulator Office of Comptroller of Currency [protected]. Traci was dead on when she told Bank of America that was a screaming deal and they need to take it. Property values continue to plummet. If they move too slow this deal will be gone. These are costs departments so the banks don’t want to take on more employees to speed up the process, but by going slow they are actually costing themselves more money as the values continue to fall. First sent them Docs. on 10/27/09, today is 1/14/10 and we are not through phase one. Two things are the most frustrating. Constantly having to re-send documents and getting a different answer to the same question every time you ask. How long does phase 1 take? 10 – 20 – 30 days. I would like to see the training program for these folks answering calls, do they even have one.

1/14/10

Traci uploaded the Authorization form and wrote Brian that it was done and asked what we may expect for a timeline, response “Traci,

I see the authorization is being reviewed and was loaded into the system. Once it is accepted you will have more tasks assigned. Your next tasks will be to load the offer and other supporting documents. Equator is a task driven system and all tasks must be completed before the file gets submitted. All new short sales will go through this system and we are in the process of moving all existing files into this system. You can continue to reach out to me for help on the tasks to help push a task along if it goes past due.

Thank you!
Not what I was hoping for. Seems we are starting from scratch after 2.5 months.
I should also mention that I had been logging in to equator everyday, as the have a little message box once you log in that is how they are suppose to “communicate” with you, and I do use that term loosely, no where did it ever say info was messing, it showed everything they requested was entered as needed.

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Jen Ott
Aston, US
Jan 12, 2011 9:22 pm EST

I am a home owner that is completely frustrated, angry and upset. Due to hardships such as divorce and my ex-husband being unemployed for several years, and this horrible housing market and economy I have been forced to due a short sale. I am an educated nurse, single mother of 2 young boys that is trying to do the best for her family. I can not afford the mortgage that I currently have on my own income. I have been in the middle of a short sale up until recently. I had buyer that wanted the house but are now about to back out because of Bank of America. My pay off amount on my house is roughly 236-237, 000. The buyers original offer was 235, 000. The bank counter offered at 248, 000 which is MORE than what is needed for my payoff! The buyers could not accept the offer and submitted and offer of 240, 000. More than what is needed for my payoff amt. This time bank of america re-countered at 259, 000 which is even higher than the first counter offer and even higher than what is needed for my payoff. This seems illegal to me! How are they allowed to make more money than what is needed on my payoff? I do not owe any money on my HELOC. No other leins. The buyers then offered 242, 000 and bank of america declined their offer and then closed my case. I am now being told that because I got accepted with a Haffa government program which will help me from owing any balance or difference from what is usually a lesser amt from the buyers than what I owe the bank that they can now not speak to me because my case is closed/denied. But in this case if they accepted the buyers amount they would be getting more than what I owe the bank. Seriously is this legal? Please Help ASAP!
Jennifer Ott- (jennifer.ott1@comcast.net)

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Charlene561
, US
Feb 08, 2011 12:26 am EST

Bank of America is holding onto houses that they are suppose to be selling. I predict that in a few years, it will come out that they had some kind of scam going so they could make money off the houses they had on short sale. They accepted my offer on a house early November 2010 and gave me a deadline of Jan. 21st. They wanted to move up the closing to late December but I was waiting for a settlement to come in and wouldn't be ready then. They went back to the January date. I had to scramble with the bank and paperwork to be ready to close on Jan. 21st and I was ready. Two days before the closing date, my realtor found out that BoA wiped out my file - accidently. Yeah right! All information was re-entered by the negoiator and we wait - still. My loan has expired and I'm thinking from reading all these complaints that I should just pull out of the sale. However we love this house adn I hate to admit defeat to a crook like BoA.

Its too bad that nothing can be done about this but the government already today us that we deserve being screwed when they gave this bank our hard earned tax money to bail them out. Who will be bailing us out when they manage to take all our money? The government - Yeah, right!

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GoodHomesLA
Los Angeles, US
Sep 02, 2011 10:09 pm EDT

They have no control of their own short sale process. They are preventing agents (me) from conducting business. Consumers are beaten up in the meantime. Shame on them!

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Hucko Realtor
, US
May 01, 2010 1:47 pm EDT

The Equator system has just simplified the submission of documents to Bank of America. No more having to fax repeatedly documents because B of A claims that they did not receive them. It has not sped up B of A's cumbersome short sale process. While most of the larger lenders are now closing short sales in 6 to 8 weeks Bank of America is still taking 4 to 5 months or longer. Their processing is slow, negtiators are changed in the middle of the offer negotiations, negotiators do not communicate with the real estate agents or sellers and do not respond to emails or phone messages, you have to call for updates or you know nothing. The only thing that has really changed is that with the Equator system they cannot claim that they did not received your documents as they are there uploaded into the Equator system for those involved to see. Until Bank of America changes its entire system of processing these short sales they are going to continue to be inept in the short sale department. Maybe they would just rather foreclose as short sale a property? I will say that when you call now to the short sale department those handling these calls are very professional and nice and much more informative. Unfortunately they just manning the phones and are not the ones processing the short sale which is where Bank of America fails miserably, their so called negotiators in the Equator system do not respond to emails and their voice mail is always full. The term negotiator is meaningless they negotiate nothing. We have now and have had several short sale offers for Bank of America, the 3 that are currently being processed in Equator have been processing for from 2 to 5 months with no approval yet. We had 4 buyers back out due to B of A taking so long and just one closed, it took over 7 months to bring to closing.

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CarrieWray
Winchester, US
Apr 30, 2010 6:20 pm EDT

My story is exactly the same except BOA gave us a counter offer on our short sale...which we accepted and they auctioned teh house out from under us...No auctioneer ever showed us although they calimed they sent one and teh deed is being transferred back to BOA! Anyone interested in a class action lawsuit? My email is magik01301 @ yahoo.com

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BankOfAmerica=BendOverAmerica
Plymouth, US
Apr 13, 2010 10:42 pm EDT

Visit This Link... Judge Blasts Bad Bank!

http://www.nypost.com/p/news/local/judge_kos_mortgage_to_slap_bank_28ZS1oW8Y58z6gu1AQbWMI

A judge awards a couple their house free and clear after a bank does shady things to them.

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Bank of America sold customer information

I am so sorry to write this letter in rage. Can you believe Bank of American sold customer information? If I have not suffered this bad thing, I won’t believe. But, it is true; Bank of American has sold my information to National Union Fire Insurance Co. of Pittsburgh, PA! I never use my card on the internet, how can this bad company got my information and charges my money? When I report the fraud of National Union Fire Insurance Co. to bank of American, I still think you are innocent! But, unfortunately, today when I search on the website, I find that I am not the only person suffer this scam! And I recalled that there is an insurance company, named himself as bank of American insurance company, called me several times in 2010. Oh, Bank of American, you not only sold my information but also your own “fame”.
As one of biggest bank in US, please cherish your reputation!
Please give me a fair answer!

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LBoz
Madison, US
Mar 10, 2011 6:40 pm EST

I have several home loans through Bank of America, it is not uncommon for my payments to not post to my account . . . not once did this happend but 3 times and after the last one that took 2 months to resolved, they still charged me late fees and it has showed up on my credit report. It takes numerous phone calls to get to the proper department that needs to handle this type of issue but no matter what the issue they can never give you their direct contact information to call them back directly. They say they put "notes in the account" . . . . they don't, you spend a lot of time each time you call to explain the problem over and over to everyone you speak with, an in most cases they never forward you to the right department and you end up calling back several times.

The lastest issue was online my account balances were all the same for all the mortages, when I called they told me I did not have any loans with them . . . hahahaha, ok wipe my mortgages out and send me the deeds! One represenative even told me I need to contact my local 911 district for help. Good grief so incompetent and of course I couldn't submit a complaint becuase I have not real name or contact information to give on this customer care person I spoke with because they can not give this out because of "corporate" guidelines.

It has been over one month since I put in my dispute an no one has contacted or via mail, email or phone. Once this is resolved I am refinancing all my loans and will pass the word onto all my family, friends and strangers on the street to stay clear of BOA!

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iwannabunny4me
, US
Aug 20, 2011 6:02 pm EDT

We filed chapter 7 and bank of america is still trying to collect! Now they are calling our family members! STAY FAR FAR AWAY from Bank of America

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Johnny Reynolds
Waynesville, US
Feb 20, 2011 11:11 am EST
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Recived a e-mail from Bank of American requsting all of my personal information.I did not respond to the e-mail, just wanted you to know of the attempted scam of me and your bank which I have (NO ACCOUNTS WITH>)Has this been prevesiouly been reported by anyone else?Could not forward the e-mail to you. so sorry.

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TSmoke
Amarillo, US
Feb 27, 2011 11:07 pm EST
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Sorry, Bank not Bamk. Keyboard trouble.

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TSmoke
Amarillo, US
Feb 27, 2011 11:06 pm EST
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First of all it is Bank of America, not Bamk of American. Second, check your grammar.

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Bank of America No response Claim

I filed a complain for a car accident with minor damages and after two months
many phone calls no response from anybody in that company I have been reach to the Claim department many times even to the supervisors no response
if someone have had same issues I need an advice, I don't how that company can be a insurance company, I have check in the web and many people have had same problems.

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Update by Emerson Nicolas Gonzalez Santos
Feb 23, 2011 3:50 pm EST

I filed a complain for a car accident with minor damages and after two months
many phone calls no response from anybody in that company I have been reaching to the Claim department many times even to the supervisors with no response.
if someone have had same issues I need an advice, I don't know how that company can be an insurance company, I have checked in the web and many people have had same problems.

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Nadiash
Brooklyn, US
Sep 23, 2011 4:46 am EDT

I've had similar experience, poor customer service, no restive from claims department, everyone just ignored me, hangs up on me. Ive faxed my documents over 5 times and still they are not available for review, one of the agents in the claims department have me a wrong fax number, every time I call their number I have to wait for up to half an hour to get through to customer service rep then, i get some ridiculous excuse, or get transfered to a superviser s voicemail who never returns my calls.
If someone had any advice how to deal with this company, let me know. My insurance company suggested I contact commissioner for consumer affairs and file a complaint, their#[protected], I haven't done that yet, does anyone have any success with this approach?

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Victim of Country-wide's Negligence
Jamaica, US
May 31, 2011 7:17 pm EDT

While parked and unoccupied on the street, my car as hit by someone insured by Country-wide Insurance. The accident happened during the first week of January. Tomorrow marks the first week of June and my claim is still unresolved. What's worse is now I am being forced to cover over $1, 400 worth of costs associated with the accident. This is all because Country-wide is an bureaucratic, unethical, unreliable company... and I feel taken advantage of.

Despite several calls and e-mails to the Company, sometimes daily and and if not daily always several times per week what should have been a straightforward issue has become a costly nightmare. I was proactive about resolving this issue. I went out of my way to ensure they received every piece of paperwork. I checked, double checked and tripled checked on every aspect of the appraisal/release process... but, as it turns out not only was I the victim of their insured's negligence I was also the victim of their terrible management practices. Country-wide is an awful company and the consumer pays the price

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kid27
, US
Mar 23, 2011 3:25 am EDT

i agree omg i just changed from statefarm, atleast someone answer the phone, i have the automatic service my payments never go through, i make them on time.is their fault, they didnt accept my payment and charge me a 15 dollar fee what and then im trying to explain my situation ..well guess what i cant always leave a message if i do get someone to answer me, well they no nothing or even better cannot help me.

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Rafael26
, US
Feb 23, 2011 3:57 pm EST

Contact your agent, depending on the claim, it could take some time to investigate. You should've received a form to fill out regarding the incident that took place. Also you posted this 3 times.

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Bank of America hundreds in overdraft fees

Recently, I was charged around $700 in overdraft fees from my Bank of America Checking account. The problem originally started when i made an accounting error and left my checking account with insufficient funds. I did not realize this, and used my debit card for my normal spending (many small items such as gum, drinks, etc). I used the card around 25 times and was not notified once that there was insuffient funds to cover the amounts. Therefore, i was charged around $30 every transaction. It was only when i checked my online statement that i found this out. I promptly called Bank of America to try to get my money back, however they would not budge. I asked why they would let me keep charging small items on a card when the account did not have enough funds (although i knew the answer was so that they could keep charging fees and making money). I remember reading somewhere that they made around 40% of their banking profits on overdraft fees alone, now I believe it. I have been a member with Bank of America for over 10 years and cannot believe what they are doing is not illegal. Also they raised the rates of 2 of my "fixed rate credit cards" for no reason other then "they did not like my payback habits" (although i was never late)

Shame on you Bank of America.

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Update by P Leong
Feb 21, 2011 10:52 pm EST

I did NOT have overdraft protection. B of A just keep letting me use my debit card then charging a non sufficient fund fee.

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havewishes
Reno, US
Feb 21, 2011 11:23 pm EST

I really like there Accessories. I purchased a vase for $18.00 Which I never would spend that much money, but I fell in love with it. It was in a rod-iron stand and had the coolest colored glass. I had it for a year before I put live cherry blooms in it with water of course. The vase was painted on the inside and I had not idea. It pealed off in chunks right away. I still have the receipt and to it back to the store. They said I was not to put water in ti. The label said no suck thing and it was labeled as a vase! Hello, what vase is not to be used for flowers? I should have been specified on it not to put water in it. They told me "too bad". I have not purchased anything there since. It was my favorite store.

peach blosoms in it.

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butterfliqueen5
Orange, US
Feb 21, 2011 11:01 pm EST
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I stick with credit unions as well, I have found them to be a lot nicer than "chains". There were things you could have done to prevent this, like put a block on the card to not be overdrawn (in other words that card would have been rejected if you tried to use it once the account was negative). It might be something to look into once you get this mess fixed.

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Bank of America online banking

I have had bank of america for almost a year now. I have always had enough money to cover all my transactions. Until I get my tax money of 9, 000 dollars & now I start having issues with bank of america. I always keep track of my online banking I have had a transaction pending for about a week. Then they finally go and process the amount & put my account as a negative. So I loss almost 400 on fees 7 so on. I had called bank of america a few times & all of there reps have very bad attitudes! They have horrible customer service skills! After speaking to a maria (Supervisor) she was not able to help & also was very rude! She is going to tell me that she can not transfer me to a manager. She stated she would give a note to her manager that she could not (For security reasons provide a name to me) would contact me on monday. I was very upset & ended the call. I will be canceling my 2 accounts I have with this horrible bank of america company!

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txjules
Clarksville, US
Oct 29, 2010 2:27 am EDT
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My online banking name is reporting as my ex-husbands name and bank of america also approved him a $43k truck loan on my previously paid boat loan, obtained as a single person in my name only. When we were married I was added to his bank account, however my boat loan stayed in my name only and was paid off in 2005. Come to find out now that my mortgage loan has been sold to BOA, I try to set up my online banking account only to find I'm listed as a co-owner on a $43k loan for a truck my ex-husband got after we were divorced and our accounts are all the sudden consolidated. No paperwork, no acknowlegement and no signature!
I would have never found out I was listed as a co-owner had I not registered my mortgage loan for online banking. Needless to say, after 8 phone calls, numerous passing the buck from online banking to mortgage, back to online banking to technical assistance, back to mortage and online banking again, I got a rep who slipped up and told me the original rep had consolidated our accounts and oops, he also got approved on my previously paid off bank of america boat loan for his new truck. Just happens during the 4+ years I haven't been a BOA customer (THANK GOD I HAD 4+ STRESS FREE YEARS UNTIL NOW) BOA has gone through many software and programming changes and evidently our accounts, even though we provided BOA forms and divorce decree at time of divorce in early 2006 to remove me from his bank account and my boat loan was paid off and never shown to be consolidated with his name or a revolving line of credit. Now all the sudden, conviently, my paid off boat loan is a revolving line of credit and BOA is blaming the programming for consoldiating the accounts, that's the reason he was issued the credit.
My ex-husband and I parted on good terms and he is now refinancing his vehicle loan to get it out of my name. BOA wants me to bring paperwork showing my name change after 2006 in order to remove him from the mortgage and restore my maiden name which the mortgage was taken out in. Funny thing, I have no paperwork after 2006 showing a name change, because there wasn't one! BOA is the one that just consoldiated the accounts miraciously and changed my name.
Only thing BOA has done is make it where I can't see my ex-husbands line of credit account(my previous paid off boat installment loan) and he cannot see my mortgage. However the issues are still unresolved! I'm a co-owner on a loan I never signed for, my mortgage is showing in my ex-husbands name. Why am I having to provide paperwork and time and effort working to clear up something BOA screwed up on it's own.
I have posted this on my Facebook page for everyone to see. Not to mention I plan to tell EVERYONE I know not to trust BOA and also goto the local networks as well as newspapers, major networks and seek an attorney.
I'm sure there is an attorney out there somewhere that would be hungry enough to take on a banking giant, that has outgrown their pants and refuses to give customer service, when that attorney might get his portion of a multi-million dollar settlement for defrauding customers and violating their rights and issuing credit to customers illegally!
It's on like Donkey Kong Bank of America. I may be one woman, but here me roar I have a huge mouth and plan to make sure I'm heard in every square mile of the earth. It ain't over, til it's over!
BANK OF AMERICA NEEDS TO WAKE UP! MANAGEMENT AND CUSTOMER SERVICE NEED TO LEARN HOW TO TAKE OWNERSHIP OF PROBLEMS THEY CREATED!

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butterfliqueen5
Orange, US
Feb 19, 2011 4:16 pm EST
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This sounds like it's your own fault, not bank of americas. You need to keep a check register or use an different system, but keep track of it all ON YOUR OWN. You can't go by just online. I thought this was common sense...

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Bank of America keeps delaying closing

I signed up for a mortgage loan through Bank of America. 1 day before closing Bank of America came back with a minor paperwork issue which delayed the closing by a week. In the meantime, I had to go back to my landlord requesting an extension on my lease, have the utilities turned back on for a week and then pay a penalty to the seller as well. As if that was not enough, 2 days before the rescheduled date for closing - Bank of America called me at 6 in the evening and told me to increase the coverage on the flood insurance (even though the existing coverage exceeded the loan amount). By then, I had already packed my stuff and had the movers coming in the next day. Despite all this Bank of America refused to apologize and suggested that we move the closing date again. Not only that - these guys were downright rude - "instead of arguing with us, you should call the insurance company right away" (as if it is my fault that they waited till 6 pm to call). I am left with no words for this organization. I would rather stab myself in the eye with a needle than go with these guys again for a mortgage loan. Stay away from the

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Bank of America Making Homes Affordable Program

I have been in the Making Homes Affordable program with Bank of America for 12 months. I just learned yesterday that my request for a modification under this program had been denied by BAC Home Loans on December 8, 2010. I was never made aware of this decision. After learning that the reason was due to information not being received on time, I informed the person I spoke to that I had verification via fax reports that I faxed the information requested on two separate occasions on 11/03/2010 to two different fax numbers. This was because the agent handling my request (Fabiola Rousseau) said the first fax wasn't working and to send it to another number (which I did and have proof). The woman I spoke to yesterday (Melissa) said that unfortunately the correct department didn't receive that information on time and because it's been longer than 30 days, I am unable to file an appeal. This sounds like a total scam to me. I did everything I was asked to do and was never late on my original nor the modification payments. I am extremely concerned that Bank of American is attempting to fraud me out of my home. I was told by Melissa that my case was being assigned to someone named Dominique Jones to determine if BAC would accept some kind of modification. Otherwise, my home would go into foreclosure. I do not understand how this can happen to people who are doing everything - it's criminal in my opinion and I would appreciate it if someone could investigate this fraud that is occurring. PLEASE HELP! I have done since last March.

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wakawaka
Ontario, US
Apr 01, 2011 1:43 am EDT

I know someone who stopped paying his mortgage with Bank of America for 3 years, no sign of foreclosure so far. Pocket the money baby!

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wiseathena
, US
Mar 13, 2011 5:59 pm EDT
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As i said before, maybe you didn't understand...THE BANK TOLD ME TO STOP PAYING... but i need not write anymore cause your not going to try to understand. Your trying to divide all of us that are united here in our cause to make the banks accountable for the lies they told us...I'M just saying!

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wiseathena
, US
Mar 12, 2011 5:14 pm EST
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why is it that the first question asked by some of these idiots is ? Did you pay your mortgage payment on time? well the answer is a resounding YES then the bank of america told me to stop making them, so being the person that i am i stopped that is when the s**t hit the fan. the bank lied while saying they were here to help they were really here to hurt. they were working on taking my house rather then helping me keep it. im sick of you people that know nothing about this making all these comments about how we are deadbeats... you know what i think... i think you just to selfish to care about anybody other then yourself. so please go live your useless life. I guess you think its ok to lie cheat and steal from the people who got you started in the first place...i bet your parents are proud of the person you turned out to be hahahahaha! NOT

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Senka
Peabody, US
Mar 05, 2011 8:17 pm EST
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oops, I meant that banks' underwriters were given GREEN, not red light, of course!

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Senka
Peabody, US
Mar 05, 2011 8:15 pm EST
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You know what the most dangerous thing of all is? A person who knows little about something! So, all those people who are trying to put the blame on homeowners for not paying their mortgages on time should educate themselves first before talking about this topic. Together with our government, those banks brought this colossal mess upon us. They knew from the start who can and who can't pay the mortgage, but their underwriters were given a red light to approve everyone knowing that soon, down the line many of these mortgages will default. As for borrowers/homeowners – do you really believe that anyone will sign their mortgage knowing that in a couple of years they will lose their house and all that cash they were sending to the black hole?! These financial products were packaged up and they sold like shares of stocks to “sophisticated investors” such as pension funds, endowment funds, and foreign banks. This moved the loans off the books of the large banks meaning they then had more reserves to lend and the process would start all over.
Do you realize that banks created (in the last 15years) financial products from bundled mortgage loans such as Collaterized Debt Obligations (CDO’s) and Structured Investment Vehicles (SIV’s)? These financial products were packaged up and they sold like shares of stocks to “sophisticated investors” such as pension funds, endowment funds, and foreign banks? This moved the loans off the books of the large banks meaning they then had more reserves to lend and the process would start all over.
They sold it to the investors knowing that many of these mortgages will default, and now investors are coming back to haunt them…Money is the only thing that can haunt Wall Street, everything else fall on deaf ears.
So, listen Bank of America -
WE ARE ALL JOHN WRIGHT AND WE ARE ALL FIGHTING BACK :)

Senka
Massachusetts

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Don S. - Pennsylvania
Bucks County, US
Mar 05, 2011 5:17 am EST

TD577 ...

What's sad about your post is the fact that it comes directly from the rhetorical tripe the media has been suckling from the banks and the corrupt politicians that are trying to demonize the average, hard working American. Your statements are wholly ignorant. Yes, you have no idea what you're talking about. The percentage of "deadbeats" you imply is MINUSCULE compared to the number of people that have been targeted ... and please understand the word "targeted" ... for the confiscation of the homes they are perfectly willing to pay for. If you had even a MODICUM of intelligence and researched even a MORSEL of the facts, you'd quickly discover that BANKS ... not ordinary, hard working citizens ... are wrought with GREED and PREDATORS preying on every victim they can get their hands on. But then, that kind of straight-forward logic would elude a propaganda mouthpiece like you ... not to imply a personal attack. The simple fact ... yes, fact ... is that you are simply wrong. No one wants a free ride, and if they do, fine and jail them. What people want is a level playing field, not criminals that run rampant through our Houses of Congress buying off elected officials, corrupting our courts with illegal fees acquired from false and illegal documentation, pumping hundreds of millions into Madison Avenue with outright lies of how wonderful they are. They are corrupt. They are criminals. And one day YOU will be their victim ... that is, if you don't wise up, fire more than five brain cells and join us.

Don S. - Pennsylvania

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wiseathena
, US
Mar 05, 2011 3:49 am EST
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well mr smith i see your back...we the people want what is rightfully ours. and that happens to be our homes. i didnt buy a house i couldnt afford and i made my payments on time for 7 years, then economy hit a bump. the bank offered help, i called them they said we cant help you if your current so if you want our help you have to stop paying. which i did and they lied ! so screw you and your thoughtless dribble!

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john
none, US
Mar 05, 2011 2:26 am EST
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It sure does to mean I will be collecting a large check (wink).
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With that being said, the reality is that when banks flooded the market with those bad loans, as a result of their fraud and their greed, it dropped down the value of everyone's homes. This would have devastating consequences on the economy. This would hurt my companies customer base, which had been in business for nearly 25 years. As a result, it would end up cutting my income nearly in half.
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Hand out? The simple fact is that I have paid more taxes than anyone I know personally, which does not mean it is a handout. Even at 1% Bank of Defrauding America stood to make 450 million dollars, while just having it in their fat piggy hands. How about loaning it to the American people, instead of the very piggy banks that caused this mess in the first place? The simple fact is that if our government is in the business of handing our tax dollars to private banks, I would suggest that it is the banks government and not ours. That money should have gone to the American people, if it was going anywhere at all.
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I worked hard and paid on time for nearly 5 years, which implies that I did not buy a house that I could not afford. The housing market and economy has always been a game of musical chairs, but this time when the music stopped playing, these fat bankers were already sitting down. This is because they simply cheated, while we were all playing by the rules. This is when I had enough, and that is when I became I AM JOHN WRIGHT AND I AM FIGHTING BACK! It is also why I have brought 25 law firms together to sue Bank of Abusing America. A lawsuit that can be better described as "The American People Vs. Bank of America."
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http://www.youtube.com/watch?v=PoOJMr7OJ0s&feature=player_embedded
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The only one who got a handout was Bank of Defrauding America.
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My name is John Wright AND I AM FIGHTING THE LARGEST BANK IN THE WORLD!
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John Wright
piggybankblog.com

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john
none, US
Feb 28, 2011 9:02 pm EST
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If it walks like a piggy, talks like a piggy, by golly it’s a PIGGY!
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WHERE IS MY LOAN MODIFICATION BANK OF DESTROYING AMERICA!
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BofA and it’s CEO Brian Moynihan reminds me of that song by John Lennon and George Harrison titled "Piggies" I invite you to listen to this song on youtube and see if it appropriately fits.
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http://www.youtube.com/watch?v=ovD9rTzs2q4&feature=player_embedded
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Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.
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Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.
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In their ties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.
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Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.
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When I filed my lawsuit against Bank of America, myself and Brookstone Law Firm thought of the many others out there in the same situation. It was then that we decided to educate the public on what these piggy banks are doing, as well as unite us all together as one voice. Please help me turn this David vs. Goliath modification process, into a Goliath vs. Goliath.
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Please stand with me and Brookstone Law firm and send an email to Bank of America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods. - http://www.brookstone-law.com/
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So please send your email directly to Bank of America and include the following:
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1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email “I support John Wright vs. BofA Lawsuit!”
4. Please send a copy of your email to piggybankblog@earthlink.net
5. Please send your email to BofA CEO Brian Moynihan:
brian.t.moynihan@bankofamerica.com
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If you would like to join my piggybankblog "Elite Blogger Hit Team", please do not even hesitate to contact me at piggybankblog@earthlink.net. The elite team involves leaving comments on certain pre-decided Bank of Destroying America comment sections on articles, blogs and other various online sites.
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Please help me spread this youtube around, which is an announcement of my Lawsuit. It will drive Bank of Abusing America absolutely crazy to see it all over the internet:
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http://www.youtube.com/watch?v=PoOJMr7OJ0s&feature=player_embedded

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I HAVE HAD ENOUGH AND I AM FIGHTING BACK!
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Divided we might have fell America. UNITED WE MUST STAND!
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Let's Roll!
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John Wright
piggybankblog.com

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betina moss
Wylie, US
Feb 28, 2011 3:17 pm EST

The same thing happened to us. Except they said they did not receive our first 3 payments on time, but when we ask for a copy of all the payments received there they were, just placed in different areas like fees and such. Bank of America then went in and said that they put all payments where they were suspose to be, yea on 1 day so still looked like payments were not made on time. We did our MOD in June and did not no were were denied until March, no letter to inform us, no call, not anything. I had to call to find out what was going on. Then they did a loan modification whithout us knowing about it and gave us around 6 days to come up with a large sum of money. No way we could, and they knew it. Yes something needs to be done and to everyone cheated by Bank of America I wish them good luck.

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Bank of America still waiting on a refi...

I started the refinancing process with bank of america the first of october to consolidate a first and second mortgage... It is now february and still no closing date. The appraisal was done at the end of october, and this should be a straightforward loan with no hiccups since my husband and I both have excellent credit scores and have been diligent in sending all the paperwork they have requested in a timely manner.In november we were assigned a new loan officer and every time I talk to her she tells me we have to resubmit a certain portion of the paper work (Such as pay stubs, bank account info) because the original paperwork is now out of date. She always apologizes and says she must have not recieved all our original paper work we sent originally (My fault? I don't think so... ) and says they have a large backload of loans they are working on, but she never calls me to tell me what she needs to move things forward - I always have to call her. To make matters worse I have to make a long distance phone call to reach her. I traced the phone number via reverse look-up on white pages and it is a landline in dallas tx. Does this mean she is working from her home? If so, who has access to my personal information? And how much more paperwork will have to be re-sent until something happens?

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Bank of America home retention

Bank of america discriminates against helping black people/african americans who wants to own a piece of the american dream. Maybe because of my neighborhood or the last name! It is funny how they do not return phone calls or refuse to speak with you. But there is a sale date on my home without any notices sent or given to us? Confusing the ### out of my family. Maybe I should apply for welfare and live off the whiteman's income? Slavery still exsists! Maybe they are upset because we finally have a black president!

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mae cooper
, US
Jun 07, 2017 5:31 pm EDT

My husband and I have divorced now, but he did all he could to have a home for us. We did a chapter 13, then
a chapter 7 still no real help. I am fighting to hold on to my home. I pray for those that are fighting, that GOD IN JESUS NAME would defend us from these oppressors.

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susan polacek
Saylorsburg, US
Feb 04, 2011 7:12 pm EST
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Doesn't matter if your black, white, green, red, or purple - I am trying sine Aug 2009 to resolve a "missing check issue" and I have called them over 100 times, faxed them repeatedly, sent letters, and they just don't give a crap ! Received letter yesterday if I don't pay $1500. by 2-11 - I'm OUT!
I am on SS disability, my husband is out of work - they could care less ! I hope somebody out their can help all of us !
They have ruined my credit and my health . In my 63 years I have never experienced anything as absurd as this !

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Grow The F**K Up
Taunton, US
Feb 04, 2011 4:41 pm EST
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Whiteman's Income? Welfare? Who cares what color you are. Pay your bills and they won't foreclose. Not to mention your address is New York. It takes WELL OVER A YEAR OF MISSED PAYMENTS in New York to be foreclosed on. It is a judicial state as far as foreclosures go. Sound's like you have been living for well over a year without paying your mortage. Now they take action and it is there fault? Granted BOA is tough to deal with, BUT YOU HAD OVER A YEAR TO HANDLE THIS. You can't afford your house, or you chose not to pay on it. IT"S YOUR FAULT, GROW UP.

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Allan22
Dallas, US
Feb 04, 2011 4:34 pm EST

"Wants to own" ? cant help but chuckle there...

If they have imposed a sale date on your home, it sounds like your not making payments - going into foreclosure, therefore you had a chance at the "American Dream" and sounds like you failed. your only option left is to play the race card - easy way out - typical.

Speaking of welfare, i like the proposed law of making all welfare recipients pass drug tests each month in order to receive their check - the government would save millions!And this, from a black president - Im not upset with him...

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jjkj04
Miami, US
Feb 04, 2011 4:21 pm EST

Lisen, don't think that they don't return your call because you're black I am as white as a glass of milk and they don't return my calls either. Maybe what you need to do is hire an attorney and not blame it on the race issue!

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Bank of America foreclosure/retention

Bank of America offers loan modification for those who are in need of help.
However I believe they are discriminating against my neighborhood, since it is a low income black community they refuse to help us. My mortgage was originally with
Country Wide and since BAC took it over they have claimed we never paid our mortgage; confusing to my husband & I. We have documentation and it gets better
we were told that we do not have any income and do not forsee our financial situation getting better! My husband works 2 fulltime jobs our monthly gross income is 5000.
BAC refuses to return any call put a sale date on our home without any notices claims they tried to call us but the phone numbers given were not working. Ms Kathleen Nygaard whom I have called several times but goes directly in to voice mail does not return any of my calls, I have recieved a letter from her that states nothing but lies.
I am not sure what to do at this point, I am waiting to go to court but have not recieved any court dates as of yet, we can pay our mortgage and they are refusing to work with
us. What are we to do with a family of 6 where do we live? we are looking into a lawyer. Not only that the mortgage we were paying was used to pay for BAC legal fees.
I wish there was someone out in this big world who can help us keep our home. As far as I see it BAC is full of ### and treat minorities like crap, I am sorry I am not white!
and trying to own a piece of the so called AMERICAN DREAM! MAYBE IF MY NAME WAS NYGARRD OR PITTSINGER I WOULD GET MORE RESPECT!

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Maryannne
Indianapolis, US
Feb 04, 2011 4:57 pm EST

Same place with BAC that you are... started with Countrywide loan sold and I could never get any documontation of anything until I went to the attorney general... since then I have moved out of my home after 12 years and never a late payment because BAC kept telling me over the phone ( only) that they could have a sheriff at anytime lock me out of my home... All I asked for was something in writting anything in writting but I was not giving my credit card or bank info over a phone to someone who cant show me that they actually have my loan... I think the government should look into all this mess... but they wont... just more and more of us who try to have something on this earth lose it over the big boys (banks) getting away with what ever and how ever they choose to treat people... funny how so many people didnt have mortgage problems until the gov gave money to the banks instead of helping who needed it...But I would suggest complaining to your attorney general... the only way I finally got any paper work from BAC and also was prove that I was trying to get something in writting from them with no success... also I got the bad number run around from them as well... Like I said... wish gov would see how they treat people instead of backing them up with more money

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YouWontLikeMeWhenIAmAngry
washington, US
Feb 04, 2011 2:30 pm EST

Put your efforts into a lawyer. If your case details are as you described then your lawyer shouldn't have much trouble getting an injunction to prevent the foreclosure. Which means until your case is resolved BoA will be unable to sell your home or evict you.

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Bank of America loan modification program

my name is michelle and i live in los angeles. i have been appling for a loan modification with Bank of America since november 2009 with the help of NACA and Operation Hope. At this time was also the merger of bank of america and countrywide in which my original loan was with. unaware that Bank of America had sold my loan to a private investor/bank called The Bank of New York Mellon i continue to asked/apply for loan modification. ater 17 months of none payment which they told me to stop paying in order to get approval i finally found out in January 2011 that there was NO way that bank of america could have given me a loan modification under and Making Home Affordable program or any home affordable program because they sold my loan and they were no longer the lien holder and that bank of america was only a sevicer and The Bank of New York Mellon who has been holding my loan does not participate in any government loan modification program or any modification program. bank of america always knew and was very aware that no matter what i would do i would never be helped or qualified for any loan through bank of america. bank of america knew since 2009 that my loan had been sold to a private investor but continue to string me along with all the letters of "we can help you". if this is not one of those bank scams!...i am still fighting and will continue...if anyone knows any resolution or can help me or any pending lawsuits that i can join please contact me at the above email...any other bank of america clients PLEASE check and see who own your loan...

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TropiGal63
, US
Sep 08, 2011 7:13 pm EDT

Wow... I just recently found this out about my loan as well. I am still paying mortgage... but not for long as funds are running dry and my ARM will be adjusting considerably on Dec. 1, '11
I felt like I was reading my own conversation with B of A about the Private Investor not participating IN ANY GOVERNMENT PROGRAMS... only option I have found (still researching) is that I qualify for a HAMP Program, however, it will cost my $900 to work with the attorney! Are you kidding me!

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Bank of America $1500 in nsf fees in a year!

I am a small business customer in Philadelphia, PA. I have been in business and banking with you for a year now. I opened my account in January 2010. I have taken advantage of a lot your services including 2 checking accounts and merchant services. Last year I have had a lot of problems with over-draft fees. At the time you did not offer overdraft protection between checking accounts. I could not afford a savings account at the time and I have paid about $1000 in fees to you last year. I’m not complaining about that because that was last year I just hope this year is better for me. But it gets very frustrating when you are a struggling business owner trying to make it in the economy.

i want 2 address a situation that I have incurred in your Philadelphia Branch on 10th & chestnut st on January 20, 2011. Around 11:30am I walked into the branch in hopes of finding a resolution to the $175 in over draft fees I was being charged for. I was helped by the branch manager, well at least I thought I would be helped. I went to him with my problems and he immediately shut me down with “I’m sorry but its nothing I can do”. I asked him about one fee of $35 that came out that day because it was funds available in my account, he could not explain why I was being charged again. The conversation went back & forth for a minute or two before I asked to speak with a manager. He then told me that he was the manager. Not once did he introduce himself to me- the whole time we spoke I thought he was just a customer service rep. I then asked to speak to another manager or maybe a supervisor, because I feel like its always something that can be done and I felt that I had a valid argument.

He then ended up giving me a number for a woman named Claudia Dulac. I called the number in his presence and the number was a automated machine. I then asked for a number or a email or address that I can contact her at. He then left and came back with a number and proceeded to call her in the room and place the call on speakerphone. He never closed the door and everyone seated in the waiting area heard my whole conversation! As I spoke to Claudia she was not really listening to me as if she really didn’t even care for the phone call. As I was trying to explain what my problem was she just kept saying that it was my fault, and she’s making the final decision to do nothing for me. I asked her who do I talk to if I wanted to put in a complaint or is it a district manager that I can talk to after her. She then said “No, I will not give you any information, someone will call you”. the Manager took the call off speaker said some things to her and they hung up. He told me that I had to leave because they were not going to help me or give me any information.

I know my business is small and I may not be one your million dollar customers but I’m still “A” customer! I asked him (manager) for Claudia’s information, he told me he would not give it to me, after some back & forth I called the Bank of America 1-800# in his presence because I figured they would assist me better with filing a complaint. As I’m on the phone, he started to call the POLICE! He called someone on his cell phone and then the Philadelphia police on me because I wanted a phone number and contact information of somebody that would be willing to help me. The woman from the 800# was on the phone with me and heard everything! It was the most embarrassing situation I’ve ever experienced in my life! Mind you the whole time the door is open and the whole lobby is watching me like a show! As I’m explaining the situation to the #800 rep. he tried to write down a name & number for me, as the police are there waiting. I told him I was going to close my account he showed No interest at all in keeping me as a customer. I asked him who was supposed to be calling me back and he said “ I don’t know, maybe someone from customer service or customer resolution”. well I said how are they going to contact me? Not once did he ask me for any of my contact information. Which leads me to believe that no one was ever going to call me back.

I was embarrassed and humiliated. The woman at the call center heard the conversation and understood my reasons for being upset. She helped me so much she explained to me that I was eligible for overdraft protection set me up with a new account and refunded those fees. I was very grateful. At that point I didn’t even care about the fees anymore, I just wanted to file a complaint but honestly if it wasn’t for the woman Kristen from the Montana call center I would have closed my account.

Bottom line I have never been more embarrassed in my life. What did I do that I would make him feel that threatened that he needed to call the Police on me! I’m a young black female and I was alone. I have never been treated like that from ANYBODY! I am 30 years old and never have I ever had any legal issues. I never threatened anybody or had anything that could harm anybody. Did I get the police called on me because I was black? Or is this is how you treat your customers because they want to file a complaint? I thought as a customer if I wanted contact information on someone such as a manager I was able to get it? I’m hurt and confused. And I would never go into that branch again let alone downtown to do my banking, because of that humiliation. Before I left I was able to get the manager’s name that put me thru this drama, it is…

Raja Tazeem
Banking Center Manager I
10th & Chestnut Banking Center

I hope no one else would have to experience this kind of treatment…

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Bank of America account closed and charged

I opened an account at Bank of America 12/29/2008 hoping to transfer from Chase because I was looking to buy a home and decided I was going to use Bank of America. By 09/2009 I decided I was going to stick with Chase and went to close the Bank of America account on 9/21/2009. When I went to close it I was told that I owed $10.95 because I had already transferred the balance back to my Chase account. The $10.95 fee was for credit monitoring that I had on the account. I paid the fee so that the account was -0- and then told the teller I wanted the account closed. She went for another lady who proceeded to "close" the account, I should note that I've never closed a bank account before so when she told me that the account was closed and gave me my receipts for the payment I made I went on my merry way. On 03/02/2010 I received a letter from ERS solutions Inc. stating that I owed Bank of America $128.26, I called the bank to inquire what the charges were and was told that they were for credit monitoring. I informed them that the account had been closed since 09/21/2009 and asked how a closed account could be charged for credit monitoring. The representative told me that the account was not closed properly and that they were at fault and after giving all the details I was told that it would be taken cared of. I had not heard anything from Bank of America since after I closed the account to make me suspicious of the fact the account was still open. After speaking to the Representative in 03/2010 I had not heard or received anything further. Fast forward to 01/2011 I receive a letter from NCO Financial System about the same $128.26. I again explained the situation to the credit collector and contacted Bank of America only to get a run around, about how old the issue was and if I had resolved it sooner they would be able to give me a credit. They said they no longer have access to the information since it's with a collection agency. I first called customer service who gave me the number to recovery services who couldn't help and told me to call customer service, which connected me to customer solutions that sent me back to recovery. They told me that if I had closed the account I should have received a statement saying it was closed, which I never got and since I never closed an account and they never said that when I went to the Bank to close it, i guess I have no proof i actually closed it. Other than the fact that i am not dumb and I am cheap and hell and would never leave an account for charged to be billed for no reason. Clearly they are trying to make it seem as if I am at fault when I've spoken to reps who told me they were at fault and now they try to turn the table saying I should have known that I had to receive a statement saying the account was closed. I have $128.26 that is in collection and I refuse to pay it because I spend my time and money monitoring my accounts and money to ensure I am not being scammed by individuals and it's the institutions that you trust to be trustworthy end up cheating you. I don't pay lifelock and check my credit report trying to keep my name clear and myself debt free for Bank of America's billionaires to try to cheat me out of $128.26. They will get that money when I die. They can dig my body out of the ground and sell my body parts in order to get that money, but as long as I am alive they will not get that money. I've never owed a single person, or company for anything. I pay all my bills before they are due but I won't pay a bill I know I don't owe, I am not made of money Bank of America and if you heard otherwise then bully for you!

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Bank of America late charge pyramiding

If you ever get a little behind on your mortgage with B of A, they give you over to debt collectors immediately. Let's say your behind (1) payment, but make the next payment on time in full (regular amount.) Obviously, you need to somehow get the one payment in to them before you fall way behind. Well, they will tell you that even if you made that 2nd payment on time (and you specified the month you wanted it applied to) they will charge you a late fee because of the 1st payment you missed & they will keep charging you late fees until you catch up that 1 payment. GUESS WHAT, THAT IS ILLEGAL, it's called (LATE CHARGE PYRAMIDING) per the FCC.

If I had known this fact I would of called them on it, but if you think about it, they can always blame the people (comapny of debt collectors they pass you to.) How BRILLIANT, now they can claim they had no idea that it was going on. JUST A WARNING FOR B OF A CUSTOMERS. This company will not only kick you when your down, but will stomp on your head. By the way, for the negative nancy's that like to make snotty comments on how perfect you are - this kind of information sharing is what this site is about, so find another website. My mortgage when B of A took over my loan skyrocketed up $400 extra a month and my impounded account was only semi-impounded, because I was also getting extra $500-$700 tax supplement bills. This is after paying into the mortgage for 2 years, unresolved and no explanation! I give up...

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Bank of America dishonest refinance good faith estimate

Attempted to refinance my home 7 mortgages with Bank of America. They took money from my bank account without approval and are taking their time with refunding it. I'm sure this is just one more way they take advantage of customers taking funds and gathering interest on money that doesn't belong to them.
Tried to charge me application fees and lender fees on loans they already had in house. I can't understand how our tax dollars were used to bail out these people.

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Bank of America check processing

Agatha: hello! Thank you for being a valued bank of america customer! My name is agatha. May I have your full name and the last 4 digits of your account you are referring to?
You: _
Agatha: thank you for the information, _.
Agatha: how may I help you with your personal checking and savings accounts?
Agatha: are you still with me? Please respond so I can leave this chat window open to an answer any questions for you.
You: my checking account is overdrawn because the online banking system didn't give me a correct account of what was occuring. My gi benefits from the military was deposited into the account on the 6th around midnight...
Agatha: I understand your concern regarding the account balance.
You: and the online banking system told me I had around $720
You: this led me to believe that I could proceed with making purchases.
You: I made sure to keep money in my account because I knew that my cell bill would be processed the next day...
You: I mean before the 5th.
Agatha: thank you for your patience. I really appreciate it.
Agatha: I have reviewed your account.
You: I checked the account throughout the day on the 5th and the check I gave to my landlord earlier in the morning hadn't been processed...
Agatha: I see that the available balance in your account is overdrawn by $30.82.
You: today I was in the grocery store to buy food and it said I had insufficient funds, so I checked my online statement and the information had changed from what it was on the 5th and 6th...
Agatha: I see that the check number 139 for $447.00 was posted to the account.
You: I really don't know what happened because the check must not have processed on the 5th but on the 6th.
You: the funds to cover that check wasn't deposited into their account until the 6th, so I do not understand why I have an overdraft fee.
Agatha: yes, but whenever the payee presents the check we will pay the amount.
Agatha: this check for $447.00 overdrew your account and a overdraft fee was charged.
Agatha: the date on a check is for your reference.
Agatha: the payee of a check is not required to hold the item until after the date on the check. When you sign the check, you agree to pay the amount written on the check.
You: so why wasn't the money withdrawn from my account on the 5th and posted so I knew where I was financially?
You: it appears to me that the online banking system duped me into believing something false.
Agatha: I do understand your point.
Agatha: please note that if a check dated in the future, otherwise known as a post-dated check, is presented for payment, we may pay the check and charge it to your account even if it is presented for payment before its date.
Agatha: however, if you do write a post-dated check, it is only an agreement between you and the payee.
Agatha: by federal law, banks within the united states may process post-dated checks once they are presented for payment.
You: the money for the check remained in my account until the 6th and wasn't withdrawn from it until the 6th or midnight of the 7th right?
You: the $447 check was written on the 5th and given to my landlord that morning...
You: I really am in a bind here and would greatly appreciate a refund of that fee...
You: until I receive my financial aid I will not have money to eat.
Agatha: one moment please.
Agatha: I do understand your point.
Agatha: would you like me to explain how the fee was charged?
You: I guess...
Agatha: sure.
Agatha: one moment please.
You: electronically speaking, isn't the check manually typed into your system for removal from my account but it is not physically removed until processed... Which occurs the next day?
Agatha: the funds will be debited from the account when the check is presented for payment.
Agatha: we do accepts stale or post dated checks.
Agatha: *accept
You: but the online banking system didn't notify me of it.
Agatha: thank you for waiting. I'll be with you in just a moment.
You: isn't the check like a credit or debit transaction that posts to the the account to give an average of what is available, but it is not really taken out until the computers have updated the next day.
Agatha: we process all the transactions during the overnight processing, first the credits will post then, the debits will post to the account and all the updated transactions will post to the account on the next business day by 6 a. M.
Agatha:
Agatha: however, saturday and sunday being the non-business days, the overnight processing will not occur and the deposit will be considered as made on the next business day i. E., monday. Hence, the deposit will be processed during the monday's overnight processing and the funds will post to the account on the next business day by 6 a. M.
You: yes, but my gi benefits were posted to my account on midnight of the 6th.
Agatha: let me please explain this to you.
Agatha: our records show that the starting balance in your account on 1/5/11 was $38.88.
Agatha: there were 3 transaction that posted to your account which are $447.00 which is check 139, $5.00 and $1.00.
Agatha: the transaction for $447.00 overdrew your account and an overdraft fee fee was charged.
You: hypothetically speaking, if I made a credit or debit purchase for $40 then I would be in the negative, but if I put money in the atm to put me in the positive I wouldn't be charged a fee for being in the negative for a few hours?
Agatha: I see that the credit of $687.00 posted to your account on 1/6/11.
You: yes, I checked it that night on the 5th, I mean 12:30 a. M. Of the 6th, and it was in my account.
Agatha: we apply direct deposits as they are received throughout the day.
Agatha: the funds are made available on the effective date.
Agatha: this date is decided by the company that is sending your direct deposit and is reflected on the documentation that you received from the company.
Agatha: please note that making a deposit or transfer after items have overdrawn your account will not prevent the items from being returned as unpaid or fees being assessed.
Agatha: the funds must be in the account before items are presented in order to avoid overdraft fees.
You: whoa.
Agatha: hope, I am clear with you.
You: so what if my landlord's paperwork says the money was deposited into their account on the 6th?
Agatha: it depends on the financial institution of the land lord's account.
Agatha: I am unable to comment on it
You: so if I can prove that their institution received the money on the 6th will you guys please refund me the $35 feee?
Agatha: I see that the fee was charged correctly, so we are unable to refund any fee.
You: goodbye bank of america.
Agatha: is there anything else I may have pleasure to assist you today?
You: lol, no but thanks anyways.
Agatha: thank you for choosing bank of america's text chat service!
Agatha: bye. Have a great night.

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Jan 14, 2011 9:31 pm EST

*don't piss off the bank..."Why am I being assessed this fee?"

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Bank of America not paying bill as scheduled

I was automatically having my payments on my NEA Bank of America card made via the Bank of America website. Bill was scheduled for Jan. 2 which was a Sunday. When it was not listed as paid by Monday I checked the bank website & saw that I was still listed as having automatic payments for full credit card amount scheduled. On Wed. Jan 5 I got an e-mail stating I had a new bill with interest as the old payment was overdue. I spoke to several people in different departments who all claimed that not only was I not scheduled for automatic payments but I never had these done. When I checked the website I saw that suddenly there was no listing for me having automatic payments. I arranged on the phone to have the bill paid and almost convinced myself that I was losing my mind until I checked various consumer complaint sites and read of similar experiences. I can only hope that this small bill is straightened out so I can discontinue my card. I also wonder how long they can get away with this nonsense!

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Bank of America overdraft fees from a different account!

Recently, Bank of America went into my checking account and withdraw over $300 in overdraft fees. I did not sign any bad checks or make any purchases with my debit card that were over the amount I have in my bank checking account. When I called to find out what was going on, they informed me that I have overdraft protection from a family member's account. I have never signed up for overdraft protection on this person's account and this person has never signed me up for overdraft protection on their account. Bank of America's information is completely wrong. I went to the local branch where I signed up for the account. When I demanded my money back, I was told I am talking to the wrong people; I should be talking to my family member. I asked to speak to the manager, who also informed me there is nothing she can do. I then asked how I should go about making a formal complaint in writing. The manager told me they do not accept complaints in writing. To summarize, Bank of America can go into your account, take your money for no reason and make up stories that you signed up for overdraft protection for another person's account when you have never even been to a bank with that person.

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likeitOrNot_ImSayinIt
SLC, US
Jan 02, 2011 1:28 pm EST

I doesn't make sense for anyone to be a joint owner of any account without signing something and knowing about it.And the tellers or manager should be providing answers better than there's nothing they can do. Can they show you what papers you signed? I'd ask what branch has the right papers and go there looking if it's forgery or what. Then you should be entitled to claim a theft, if that's the case. If they don't have signed papers I'd ask how they can authorize anything without your signature. You at least deserve some answers.

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likeitOrNot_ImSayinIt
SLC, US
Jan 01, 2011 8:12 am EST

Boy that sounds nasty. I haven't dealt with a BofA account since 1996, since I moved to Utah and stopped using the credit card about 1998. But I always had good service. If they went that down hill, I guess i'm better off that there are none in Utah. I wonder if my friends in California still bank with them.

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Bank of America disparate treatment of deaf

I am a deaf customer. I opened an account at local branch of B of A in September 2010. At same time, I asked for contact via email (written language is my primary language) with the local mortgage/loan officer for this very small bank. I was ignored. I then sent 2 emails asking for "preapproval" of a home loan. I was ignored. I then sent the branch manager a long fax explaining what the Americans With Disabilities law is and why he needs to respond to me in writing, because I do not use a telephone and bank refuses to use live relay. I was then ignored for another month. Sometime in December 2010, manger and loan officers both began emailing. As of this date (December 31, 2010) they have STILL NOT been able to either approve or deny a home loan, despite my immediate responses to all of their requests for my personal and financial information. Excuses are: we have the name of your old landlord, but not the phone number. We did not get the fax you sent 11 days ago. We misunderstood what you were asking, etc. Nobody responds to me unless i first email the bank manager. Does it normally take more than FOUR months to make a decision about a home loan applicant who has a steady income? Or just for deaf? Seems to me like DISPARATE treatment. proof is dozens of private emails with dates on them.

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Bank of America Customer Reviews Overview

Bank of America is a well-known financial institution that has been serving customers for over 200 years. The bank offers a wide range of financial products and services, including checking and savings accounts, credit cards, loans, and investment options. Overall, Bank of America reviews are positive, with many customers praising the bank's convenience, customer service, and online banking features.

One of the most significant advantages of Bank of America is its extensive network of branches and ATMs. With over 4,000 branches and 16,000 ATMs across the country, customers can easily access their accounts and conduct transactions. Additionally, Bank of America's online and mobile banking platforms are user-friendly and offer a variety of features, such as mobile check deposit and bill pay.

Customers also appreciate Bank of America's customer service, with many reviewers noting that representatives are knowledgeable and helpful. The bank offers 24/7 customer support through its website, mobile app, and phone line.

Another positive aspect of Bank of America is its rewards program. The bank offers several credit cards with cashback rewards, travel rewards, and other benefits. Additionally, Bank of America's Preferred Rewards program offers additional benefits to customers who maintain a certain balance across their accounts.

While there are some negative reviews of Bank of America, most complaints are related to fees and charges. Some customers have reported high overdraft fees and other charges, which can be frustrating. However, Bank of America offers several ways to avoid fees, such as maintaining a minimum balance or setting up direct deposit.

Overall, Bank of America is a reputable financial institution with a wide range of products and services. With its extensive network of branches and ATMs, user-friendly online and mobile banking platforms, and helpful customer service, Bank of America is a solid choice for consumers looking for a reliable bank.

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.

Customer Service: Bank of America is known for its excellent customer service. The bank's representatives are responsive, helpful, and professional, ensuring that customers receive the assistance they need. The customer support channels, including phone, email, and live chat, are efficient and reliable.

Online Banking Experience: Bank of America's website and mobile app provide a seamless and user-friendly banking experience. The platforms offer a variety of features, including bill payment, fund transfers, and account management, making it convenient for customers to handle their finances. The bank also prioritizes security, implementing robust measures to protect customer information.

Account Options: Bank of America offers a range of account options, including checking, savings, and investment accounts. The bank's account fees, interest rates, and minimum balance requirements are competitive, ensuring that customers have flexibility and options. Additional features such as overdraft protection and rewards programs enhance the overall banking experience.

Loan and Credit Products: Bank of America provides a comprehensive range of loan and credit products, including mortgages, personal loans, and credit cards. The bank offers competitive interest rates, flexible repayment terms, and clear eligibility requirements. The application process is streamlined, and approval timelines are reasonable.

Investment and Wealth Management: Bank of America's investment and wealth management services are top-notch. The bank offers brokerage accounts, retirement planning, and financial advisory services to help customers achieve their financial goals. The investment options are diverse, and the fees are competitive. The bank's financial planning tools and resources further enhance the overall investment experience.

Branch and ATM Network: Bank of America has an extensive branch and ATM network, providing convenient access to banking services. The branches offer in-person assistance, safe deposit boxes, and notary services, ensuring that customers have a comprehensive banking experience. The ATMs are widely available, and the fees and functionality are reasonable.

Fees and Charges: Bank of America's fee structure is transparent and customer-friendly. The bank discloses account maintenance fees, ATM fees, and overdraft fees upfront, ensuring that customers are aware of the charges. There are no hidden fees or penalties, and the bank is committed to providing a clear and fair fee structure.

Community Involvement and Corporate Social Responsibility: Bank of America is actively involved in various social and environmental causes. The bank demonstrates a strong commitment to diversity, inclusion, and ethical business practices. It actively participates in community development and philanthropy, making a positive impact on society.

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.

How to file a complaint about Bank of America?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary information and verifying your email address.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Bank of America. Make it specific and clear, such as "Unauthorized Overdraft Fees" or "Difficulty with Mortgage Loan Modification".

4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Include key areas such as customer service interactions, problems with account management, loan servicing, fees or charges that were unexpected, issues with online banking, or any other specific incidents related to Bank of America. Clearly describe the nature of the issue, including dates, locations, and any relevant transaction details. If you attempted to resolve the issue, outline the steps you took and the responses received from Bank of America. Explain how this issue has personally affected you, such as financial loss or stress.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, statements, or receipts. Be cautious not to include sensitive personal information like your social security number or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, describe what resolution you are seeking from Bank of America, whether it be a refund, apology, or corrective action.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click on the 'Submit' button to officially file your complaint on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Bank of America.

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Bank of America contacts

Phone numbers

+1 (800) 432-1000 +1 (800) 688-6086 More phone numbers

Website

www.bankofamerica.com

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