Bank of America
reviews and complaints

My father and I have been with Bank of America since it's inception and held two mortgages with them for our home. When our Home Equity line of credit reached "end of draw" it was time, after ten years time for them to start add-on the principal to our interest only mortgage. I knew this would happen but no one told us they were going to raise our payments from $266.00/mo to $835/mo! Then they raised our flood insurance another $100.00 a month raising our mortgages by $600.00 a month! I told them we could not afford this. I had medical issues and was wanting for my disability to come through and my father is a World War II veteran living on a small fixed income. First I received a letter talking about all the different ways they could modify our loan for those in hardship. They asked to apply for the modification they would need bank statements and income records. I did everything they asked. They denied us All forms of modification! I asked for their appeals department. They flat out turned us down again for All Forms of Modification. They told us to seek Federal government help. That's when I learned they were supposed to have sent us a "Modification Package" to fill out! Then they told us we did not prove we were in hardship. They never asked us for the "hardship" letter or our "Itemized list of home expenses"! How convenient for them! I wrote a ten page hardship letter. I sent every document that they asked for. They turned us down again denying us All forms of modification for our mortgage. Then I contacted my Senator. There was nothing he could do. Then I spoke with Bank of America 's attorneys when they thought we were going to sue them. When they realized we did not have the money to do this I no longer heard from their lawyers. They said to apply again. They turned us down again for All types of modification stating we had already had a Modification! I said if I had one I would not be calling you for one! They continue to deny us a Modification as well as a refinancing based on a fabricated deceptive falsified document which does not exist. It has been one year now and Five denials for a Modification later and they are "still investigating this matter". Their "Resolution Team Department" just called the other day, still refusing us a refinance as well as a Modification based on a "Modification" that we never had and asked me "Is there anything you want us to do?" I hesitated to say what I really wanted them to do...

My husband passed and house title was under his name only.I had to send paperwork to have title transfer to my name 3 months before foreclosure, I never recieved letter stating next step to set mortgage assistance. I called many times, I was hung up on! Lied to no further paperwork needed at which time I was notified that house was up for foreclosure and illegally evicitied things were put outside and then damaged by thunderstorms, it was bad enough husband had just died. He even died there at home. Oh, boy it rained on July 1, 2014everything and anything I had left was ruined. I suffered a very bad depression, humiliation, freedom because of my I don't care anymore attitude due to the pain and suffering I endured. I still suffer from the depression of Bank of Americas unethical, unprofessional, and breech of several contracts. Has left a very bad scar in heart. I finally come forward and set this complaint and hopes of one day I will have redemption of my home...if not maybe we can bring these people / monsters down were no one will suffer as I did... In loving memory of PONCIANO GARCIA lll

I received a call at my house in San Diego, California on February 29, 2016 at 1:49 p.m. from the phone number [protected], which is from somewhere in Florida. The person, a man, represented himself as an agent with the IRS and informed me that the IRS was taking legal action against us regarding our house, and I needed to respond to the recorded message immediately due to the seriousness of the actions being brought against us. I returned the call right away to get the details, and the man who answered said "officer Williams, IRS." I started telling him who I was and why I was calling, but he hung up on me. When I called back several times, only once was it answered, and the same person just said hello, then hung up right away. I haven't been able to reach anyone at that number since that call, and now when I call that number, the phone rings twice and then switches to a busy signal. The reason I'm telling you all of this is that my caller ID identified the original 1:49 p.m. call as having been made from a phone at Bank of America. I followed up the incident by calling BOA and they said there was no record of any action being taken against us as far as they knew. If it's possible to track down the person who made that call, that is what I would like to do. My home phone number is [protected], and my name is Morris Ritchie. Thank you for any assistance you are able to provide.

On 6/21/2013 Bank of America committed identity theft, theft, and fraud while processing the HAMP modification they offered us. Our account was illegally sold in an acquisition sale to NationStar Mortgage on 8/31/2013. Due to the nature of the sale BofA needs to meet with us in person to discuss a resolution. Details of complaint are uploaded below

My name is Gabriel A. Oliver Vazquez, I've beed defrauded by this bank in numerous occasions with hidden fees on transactions in which they never inform me and I know nothing about. Got charged 2 times an amount of $35.00 in this month alone because a unknown merchant kept charging my Savings account and they never informed me of this. They indicated that was my responsibility to be aware and to do not give information to unknown merchants. What kind of bank does not inform you of this and how are they just gonna let this slide without informing me in any way or blocking this unknown merchant continuous charges . They additionally charged me $30.00 because I called customer service to stop a payment that VW credit placed twice on my Regular eBanking account in which the customer service personnel never informed me on a $30.00 charge to stop this payment at all. All of this in 2 weeks... a total of $100.00 pretty much stolen from me... This to me is unbelievable. This is not the first time they do this and it's getting to a point that its personally affecting me. What kind of credibility and moral standing does this institution represent.

ON JANUARY 11, A ACH for auto insurance was presented to my account I allowed the draft to be returned by not covering the funds and accepting the overdraft fee of $36. My pay roll was deposited on the 14th and once again the ACH came through for coverage. There was not enough to cover the ACH so I did not worry and thought because BOA had seen in the past that when I have large amounts to come against the account I cover them that day with funds from outside. This time the ACH was paid leaving a deficit on the account and every other small transaction which will total 5 after my insurance premiums come against the account leaving me with an outstanding negative balance of about $600 which will increase in 5 days due to the fact that I will not get paid until the end of this month. Way to go BOA, just rip me off and make money for yourself. These transactions were not handled to accommodate my as the account holder and the ACH was not a mortgage payment, so no priority should have been given. Poor customer service and greed is the issue here. Look at yourselves.

On Dec 2015 I deposited a $2300.00 teller check to my saving account in bank of America located on chain bridge road in McLean Vi and as soon as deposited I saw the money is in my account accessible to spend, after 5 day's I checked my account and I saw that the money is in my account so I believed the check is ok, then I paid $2000.00 to some one with wallmart transaction. On 10 Nov 2015 when I checked my saving account I find out that check was not good and bank withdrawal the money from my account.and it was late for my to get my money back when I fined out that was scam. I believe if check is bad the bank of America with expert staff that they have in back should recognise the check before depositing to the account so this action will keep the scummier out of this action and will save costumer from being victim for there scam . I request my money back to my account because it was, ot my fault. Ray mohammadi

I was scammed by a fake tech support company-"Ayogi Support". B of A said I had to provide proof that I was scammed because the scammer provided B of A with a bogus electronic contract with my name on it stating that I agreed to pay Ayogi $149.99 plus a foreign charge! B of A denied my claim and believed the scammer! I talked to the claims department by phone and convinced them to reopen my case. A couple days later I provided proof in print that this company scams people. Mine happened to be in connection with Netflix. I researched the internet and found an article stating that Ayogi support was a known scammer. I faxed the article to B of A, plus provided B of A the site address so they could confirm this. Then I got a letter from B of A saying my claim was once again denied because the evidence wasn't submitted in the required time frame. I faxed it all in right away! B of A said I should contact the scammer to see if I could get my money back! Seriously? None of this is making any sense to me. I am thinking I am slipping through the cracks of their system. I have been a preferred customer since the 70's and they would rather lose me as a customer over $149.99+. None of this makes sense. I will be going to US Bank. I didn't realize B of A had such a bad reputation. I thought they protected their client's money. I was wrong! I am also checking into suing B of A. It isn't the amount of money, it is the PRINCIPLE! As long as these internet scammers get away with this, the more they will keep doing what they do.

I needed to change my name after getting divorced and add my daughter-in-law to an account that my son and I were on. I can't believe how difficult Bank of America made it. First I went to an office while I was 45 minutes away from my hometown and they stated that I have to call customer service for a form or I have to go to my local branch. Why if you are all the same bank - no real good answer except they don't have all of our information there. Then I go to my local bank and give them all the documents they want and 20 minutes later I had my name changed but they couldn't add anyone to the account unless we were all present. I asked if I could sign a signature card and then send my son and daughter-in-law in to do the same thing. No, we all must be present or call customer service and they will mail me a form. I asked if they could provide the form, NO, you have to call customer service which we all know takes another 10-20 minutes to do. Next I get a new debit card in the mail with my old name on it. Then my online banking name appears with the wrong first letter of my last name - they changed my name to WARREN when in reality it is MARREN. OK no big deal, I will call customer service and order the form that I need and also have them fix my name. NO WAY that would be much too easy. After 20 minutes on the phone with customer service they said that they will mail the form to add someone to the account but they can't fix my name. OK so I ask them for my branch's phone number and they give me the number for a different branch. Fine I look it up myself and call my branch and figure this will be an easy fix, NO. The manager apologizes and tells me that I have to come in to the branch and sign another signature card. Why you ask? I don't know. I explain that their employee obviously entered my name wrong into the database so they should fix it. But after going around and around with the branch manager, I finally agree to go in and sign a card. 15 minutes later I receive a call from a gentleman (now I believe this is probably the employee who put my name in the system wrong) and he tells me that my son has to come in the bank with me since he is on the account. I explained all of the time that this simple request has cost me and he apologizes and says that I can call customer service and they can send me a form. Yes the steam is now rolling out of my ears. I ask him if I can close out my account and he says NO because you have to have the right name on the account to do that. Lots more steam! So I ask him if my son can close the account without me being there and he says, YES. I called my son immediately and he is at the bank as I write this closing out a checking and his savings account. I have never had such a difficult time dealing with a bank. All of my other accounts are with Wells Fargo and they are simple to deal with. They make everything easy and have excellent customer service.

Chronology of contact with Property Claims Department *September 19, 2015: Check for Recoverable Depreciation received from our Insurance Company (ASI Lloyds) dated 9/17/2015 *September 23, 2015: All forms needed by Property Claims and the check sent by overnight priority mail sent to Property Claims Dept, Simi Valley, CA *September 24, 2015: Received and signed for at Property Claims Dept with confirmation done by me using tracking number *October 8, 2015: Call placed to and spoke with representative who transferred me to Sherry, an Escalation Manager because of us not know that we had to call for an inspection to be done. Sherry stated that the schedule for inspection had been requested and that we would receive a call from someone in 24-48 hours. *October 14, 2015: No call from anyone re: scheduling an inspection. Call placed and spoke with a Michael (I believe that was his name). He informed that request to schedule an inspection had not been submitted by Sherry. The request was submitted by this young man and he also filed a complaint on our behalf regarding the issue. He also told me we would receive a call in 48-72 hours. I explained to him about being told the 24-48 hour window and was told that “We don’t ever do anything that fast.” *October 19, 2015: Call received to schedule inspection on October 21, 2015 at 9am. *October 21, 2015: Inspector here and once inspection done, my husband (John) signed the form stating inspection done. *October 29, 2015: Call received from Karen. Call returned (not sure who I spoke with). I was told that the W-9 for the contractor was out of date and a new one needed to be submitted in order to process the claim. I contacted the contractor, received an updated W-9 and faxed it from my work. *November 2, 2015: Missed call from Property Claims *November 3, 2015: Call placed to Property Claims. I was as told by William that W-9 submitted and it was waiting for vendor number to be issued. *November 5, 2015: Call received from Property Claims stating that W-9 was rejected by IRS due to SSN did not match name on form. Call then placed to contractor. Conference call placed again to Property Claims with contractor. I did not get name of representative. Contractor fixed issue with W-9 (last number was typed too close to line and was not clear) and faxed new form to Property Claims. *November 6, 2015: Voicemail received to call Property Claims. Call returned and now being told by a person named Wei (?) that Contractor license expired (it wasn’t when this whole thing started). After talking to this person for 18 min, we were placed on hold for an Escalation manager. After being on hold for 7 ½ minutes, we were talking to Lucretia. After several minutes talking to her, she placed us on a brief hold to contact the contractor to have current license faxed directly to her-no answer so call to contractor on his cell to have him contact office to answer phone incase not answering d/t unknown #). @ 46 minutes into call, called the office number again and spoke with Daphne-office manager. We were told at this time that the funds would be released and sent to us overnight. Daphne had hung up so she could fax current license. Awaiting Fax-placed on hold at 52:40 and returned to line @ 59 minutes stating had not received fax yet and placed us on hold again. At 1 hour and 6 minutes, Lucretia returned to the line stating that fax had been received and document was being uploaded to our account. 1 hour 12 minutes, placed on hold again. 1 hour 19 minutes: Lucretia returned to line stating that request for disbursement of check done and would be sent overnight but because of it being Friday, we would not receive it until Monday. At 1 hour 24 minutes, we were told that everything was submitted and check would be received Monday, November 9, 2015. *November 9, 2015: Call placed to Property Claims dept to obtain tracking number. Spoke with Dena who informed me that a tracking number had not been issued yet because check had not been cut to be sent. Request to speak to Escalation Manager Lucretia. After being on hold for several minutes, I was told that Lucretia was not available. I then requested to speak to a manager. Was transferred to Andy. I was told that a request for disbursement had been submitted but check not issued yet. I explained to Andy what had been done last Friday and he just kept apologizing. Admittedly, I blew up and told him we were tired of apologies, sympathy and empathy. And I hung up on him. With much assistance from Daphne, we were able to get in touch with Lucretia (on a conference call) who informed us that her request had been submitted but not received by the appropriate department until Friday afternoon, and that the check would be issued today and sent over night and we would receive it Thursday or Friday. I asked for an explanation as to why it would take 3 days for an overnight and she stated because of the holiday on Wednesday (Veterans Day). I told her that I didn’t understand how they could claim to send it overnight but it take 2-3 days. I requested a tracking number and she stated that one had not been assigned yet, but that she would call me back when one was issued. She also stated that she had submitted a request for the interest that has been accruing on this to be sent to us as well. Daphne stated she was going to “bow out” of call at this point and when she hung up, Lucretia and I were disconnected. (this all took place during the 11 o’clock hour) **At the time of this documentation, 1:20pm, I have not heard back from Lucretia re: the tracking number.

AAA VOIDED a debit charge for me in the amount of $1257.00 on 10/31/15 at 4pm. Today is 11/3/15, all debits & credits have finished processing with the exception of the VOIDED transaction. Transactions that I purchased yesterday on 11/3 are done. Money they owe my account, still have not posted. They are holding this money to long. AAA voided this out and advised me to demand Bank of America release my funds. We need a class action lawsuit!

Short version, needed to get out of the Mortgage. They offered me a Deed In Lieu. Then they denied it because an unknown third party had filled the backyard with junk. Denied my short sale for same reason. I live in TN, I cannot afford on a widow's pension to fly to CA to unload garbage. The day after the short sale fell thru, the garbage disappeared. But since they had denied me, I couldn't do the Deed In Lieu again. So they foreclosed. I called Legal Aide but even with the free lawyer, I would still have to fly out. Did they hear I was POOR? Now, they are trying to double dip. They finally sold my Mortgage BUT will still collect from the foreclosure sale! My short sale would have netted them within $5K of what was owed. But now, with the foreclosure sale, they stand to NET $75K off of a $35K debt! All I want is for them to take the house back and do what ever they want with it and get it off my credit report which is what the Deed In Lieu was suppose to do. Why do they want this on my record anyway? It's no skin off their nose if my credit score is 0 or 750. I don't get it. Why can't I just have my Deed In Lieu? *BTW, the backyard is full again. The community service officer (there are no actual cops in the town as funds were spent on a concert series.) keeps me informed. Mainly, cuz it stinks and there are rats. But it's not my problem. And someone stole my greenhouse while they were there. And I know no one is going to help. I've gotten "smart" answers from everyone involved as to why they can double dip. But when they ruin your credit, and they will, then you'll know too. Customer #[protected]

Recently I got scammed and transferred money from my BOA account to Account name :Imran Hoosein Account # [protected] Zip code # 27025 Routing number # [protected] Bank name # BANK OF AMERICA Address: Richmond, VA 23261 Made two transactions: $ 1468.84 and $ 155.20 = $ 1623.44 The bank refused to help as once a wire transfer is done they can't do anthing. They even refused to give any other information of the account holder. Anamika

On 10/9/15, I called the Fraud dept and was on hold for at least one hour, while driving in rainy traffic (thank goodness for Bluetooth). Once someone finally picked up, she couldn't do anything because the system wasn't working properly and she had to re-boot her computer. She asked for a call back number and said she would call me right back. Well, that didn't happen. I called back on 10/10/15, after holding for approximately 30 minutes, an operator (not from USA-I couldn't understand a word he was telling me) finally picked up. I told him about fraudulent charges. He was able to assist me with some of the ones that were already processed. When I began telling him about other past fraudulent charges that I needed to make a claim on, he hung up the line...I guess he was through with me. Now that the fraudulent charges that were processing are all cleared, I want to get a claim in for those...I have been waiting on hold for a good 45 min now. It is currently, 10/14/15, 7:48pm est. I thought that maybe i needed to call at night instead of during the afternoon...it is not any better. This is the most ridiculous thing! Their customer service is horrible! I have all of my money in this bank and am seriously considering taking everything out and going with a financial institution that takes care of their customers immediately! So aggravating!

I went on the the Elite Rewards website to redeem my points for a gift card that I was promised by Bank of America. I received notifications by mail from Bank Of America that I had until Oct. 31, 2015 to redeem my 4, 000 points. Conveniently, September 29, 2015 the Elite Rewards program deleted $25.00 Gift Cards from their program without any notification to customers that earned the gift cards and increased the amount of points to earn any gift cards under 7, 300 points ($50.00 gift cards and up). When will a class action law suit begin. Sign me up!

Important payment wire notification valued $10.5m!‏ important payment wire notification valued $10.5m! Actions bank of america ([protected]@pivit.Net. Au) add to contacts 4:15 pm keep this message at the top of your inbox [protected]@pivit.Net. Au bank of america 3181 steinway st astoria ny 11103 from the desktop of mr moore carrick e-mail:[protected]@aol.com date:[protected] it is my modest obligation to write you this letter as regards the authorization of your owed payment through our most respected financial institution (Bank of america). I am mr moore carrick, the chief executive officer, foreign operations department bank of america, the british government in conjunction with us government, world bank, united nations organization on foreign payment matters has empowered my bank after much consultation and consideration to handle all foreign payments and release them to their appropriate beneficiaries with the help of a representative from federal reserve bank of new york. As the newly appointed/accredited international paying bank, we have been instructed by the world governing body together with the committee on international debt reconciliation department to release your overdue funds with immediate effect; with this exclusive vide transaction no. : wha/eur/202, password: 339331, pin code: 78569, having received these vital payment numbers, you are instantly qualified to receive and confirm your payment with us within the next 96hrs. Be informed that we have verified your payment file as directed to us and your name is next on the list of our outstanding fund beneficiaries to receive their payment. Be advised that because of too many funds beneficiaries, you are entitled to receive the sum of ($10.5m) only, as to enable us pay other eligible beneficiaries. To facilitate with the process of this transaction, please kindly re-confirm the following information below: 1) your full name: 2) your full address: 3) your contact telephone and fax no: 3) your profession, age and marital status: 4) any valid form of your identification/driven license: 5) bank name: 6) bank address: 7) account name: 8) account number: 9) swift code: 10) routing number: as soon as we receive the above mentioned information, your payment will be processed and released to you without any further delay. This notification email should be your confidential property to avoid impersonators claiming your fund. You are required to provide the above information for your transfer to take place through bank to bank transfer directly from bank of america. We look forward to serving you better. Mr moore carrick chief executive officer, bank of america (Copyright © 2015 bank of america) © 2015 microsoft terms privacy & cookies developers english (United states)

I am involved in a mortgage fraud my home is being taking away. Many teachers in the City of Chicago that worked for CPS is facing this same problem.
Which is B A pay on the taxes after you paid and refuse to accept mortgage payments. Keep some payments return some and just try your funds up.
Seterus is now a partner with B A alone with fannie mae, lawyers and Judges that sit on the bench in cook county court.
All politicians' know what is happening even the Department of Justice and I heard Bank of America is too big to do anything about this.
I am a superior teacher, black lady, that taught students to become professionals and go to work in the field of manufacturing, Arch-design..

I have been receiving phone calls from someone stating they're calling from Bank of America, Debt Collection Division. When I called back, I was prompted to enter the last four digits of my SSN and when I didn't, I was prompted to enter the SSN of the borrower and/or property address. When I didn't do that and tried to reach a customer service representative, there was a message stating they could not proceed without verifying the account and to call back with the information they've requested. I called the customer service # on the back of my ATM card and spoke to a person named, Ivette Torres. She checked all my accounts that I have with the bank, and saw no reason for anyone to contact me. This is the # they called from: 805.579.9184 (Northern Los Angeles area). Call back # 800.669.6650 and 800.447.3990 (if I received this message in error). I just called the call back # and heard the same message! This is VERY upsetting to me and want to know what are my next steps.

Elizabeth Celmer

On July 17, 2015 I head to the bank to deposit 6, 100 dollars cash I had received from selling my car. I have to use the ATM machine because my account is the ebanking account and it requires me to do my deposits and everything either from the online cite or ATM because if I go inside they charge me an $8 fee I have never mind using the machine I had the account for close to 3 years and haven't had a problem until now. So I go up to the ATM I had split my cash in half. I make my first deposit of 3, 000 dollars that money gets credited because usually when it gives me the option to add more cash or if I'm done that means the money went in. So, I pushed the add more cash option I now add 3, 100 dollars I can hear the machine processing the money. I then see it returning 100 dollars back to me then the machine reads unable to accept your cash and it starts beeping non stop for about 2 minutes. I stand there waiting for the rest of my cash to come out yet, nothing comes out and the machine just restarts itself to the welcome screen the machine never even gave me a receipt. I put my card back in to see if the money it didn't give me back went through and not by balance was only $3, 000.00 that meant I was missing my other $3, 000 dollars. So I ask a security which was on site if he knew what I could do I explained to him what had happened. He recommend I call the number on the machine. I call the number and I explain what had happened to the representative they offer me a temporary credit while they do investigation. On August 4 I see they have taken back that credit so, I call the claims department and ask why they said they took back the credit they say that the amount did get deposited to my account they also try to state that I did not make two deposits. I ask to see the video so I can see where In the video does it not show me making two deposits because I clearly remember putting money in the machine two times. The representative tells me I need a court order to see the video. I do not want to get a lawyer but they are just pushing me towards that end. I want my 3, 000 dollars it is very unbelievable that they are crooks and are trying to rob from me in front of my face.