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Bank of America Complaints Summary

457 Resolved
1108 Unresolved
Our verdict: When using services from Bank of America with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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5:52 pm EST
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Bank of America fraud / credit tampering

We gave back our house in Sept. 2008 rec'd our Deed of Lieu in 2012 when Bank of America sold the house to a Bank in New York in Feb. 2012 never telling us of the sale; we found out when we went to Kingman, AZ, treasury's office and paid for the copy showing the house was sold. We each filed an 1099C in 2012 with the IRS. We have made several attempts to have them remove the $179, 713.00 amount from our credit reports as they do not own the house, NOR do we owe them money. One time we were told to just get an attorney and sue, knowing their deep pockets and Government backing will allow them to commit these ILLEGAL acts and get away with it. We are convinced there are many if not millions out there Bank of America have done this too! By still being on our Credit Reports for money NOT owed to them they have ruined are Credit and Reputations, Characters as I can not find a job even with an University Degree because of my credit, and Kathy who is Disabled can not get a vehicle that can carry her chair/scooter so she can go to the Doctors, and other places. We also fell that they have done this as a HATE CRIME toward us as we have turned them in to you which turned into a Class-action Law Suit involving several states. Sincerely, GloryaJane Ryan & Kathy A. Blakeman.

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9:55 pm EST
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Bank of America credit card declined

I live in North Carolina. My card was declined in Tennessee (an adjacent state) because BOA decided I was "out of my area". I called and told BOA that I was going to be traveling cross-country and in Mexico. They agreed to let me out of my playpen. On the 6th day in Mexico my card was declined. When I called they said I had been "gone too long".

Their rationale seems t be that if my credit information was stolen online it might get used in another state or country. That's reasonable but I told them WHERE I was going and left a trail of gas and food purchases across the country into Mexico. In another country is the worst place to be stranded without credit.

My Complaint: If the computer can be programmed to cut off my travel because I am not in my home state or have been on the road too long, why not hire a high school programmer to have it send me an e-mail and allow me to verify my location a day or two before cutting off my credit and causing huge difficulties. Answer: because BOA COULD CARE LESS.

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mhadipour
Torrance, US
Oct 28, 2009 2:52 pm EDT

Bank of America elected to increase the intrest rate on my credit card after one late payment to 29.9% and after being on time for 14 Months they refuse to lower it.
I called and complained only the hear that my credit card is not set up for revioew and rate reduction it can only go up !
There must be a law against this, does any one know how to get help

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9:58 pm EST
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Bank of America international wire transfer

Bank of America steals money from every international wire transfer they process for their account holders. The way the scam works is that they do not conduct international wire transfers in dollars. They convert the dollars into the foreign currency at a very unfavorable rate for the account holder, far worse than the normal exchange rate for that day. When the money is received, about 5-7% of the transferred amount remains in Bank of America's pocket because of the below market exchange rate they use. They rely on their account holders to not compare the exchange rate they provide with published rates online, due to the account holders' assumption that this large American corporation would not engage in such bold fraud with impunity. Sadly, that trust is misplaced.

If an account holder coordinates with the wire transfer recipient to determine that a substantial portion of the transferred funds has been embezzled by Bank of America and calls the foreign currency transfer division, they have a scripted answer that the exchange rate you look up online is not the actual exchange rate available to people converting small amounts of currency. This, of course, is a flat out lie. If you look at the exchange rate offered by Western Union, for example, it will correspond exactly to the rate that you find online. If the account holder confronts Bank of America with this information then they change tactics and simply inform the account holder that he agreed to the exchange rate they used and there is nothing he can do about it. Online search reveals they have been engaging in this unethical practice for at least five years.

Obviously, no individual account holder is likely to lose enough money to justify legal action. The only way to confront them is to publicize the unethical practices of Bank of America as much as possible so that their current account holders will not use them to conduct international wire transfers, or will close their accounts entirely and move them to another institution (which is what we intend to do). We are young, successful professionals with three children and I can guarantee that neither we nor any of our children will ever be Bank of America customers again. While we won't ever see the $700 that Bank of America embezzled from our account again, we can at least take comfort in knowing that Bank of America will sustain far more than $700 in lost business profits as a result of their unethical business practices. Hopefully in the future, someone will pursue a class action suit against Bank of America and any other banks that defraud their own account holders in this way.

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10:25 am EST
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Bank of America modiciation

Hi, just like to place a complaint as well, it being 3 years of wells fargo is really ennoying . Its abused for a customers who were with fargo for long time, . No help from wells [censored]o, what is the use to call in and ask for "hardship" my husband sufer a stroke, this is a big "hardship", I tried to modiy my house in 2009, 2010, 2011, 2012, 2013, Every year i was dragged for a year, all papers at my end was supplied to the bank for a modiciation. Noone never got back to me, when i was calling to the bank ask for a signed person, i come to know from other representaing not longer with the bank. What king of trick is that. Instead of help people with "hardship" Wells Fargo Bank puts you in more trouble. After which owners ends up in forclose status.
2013 i start again to do modiciation on the house thats what i was told. After faxed all my document to the wells fargo, after was asign with some one by the name Marine Villarieal who gathered all my info and doc, staited on 010314 " everything is fine, all papers in, will be forwarded to underwriter, " suddenly on 010514, called back to me by questioning me regarding my documents again, which was collecting document two month priour by him, before forwarded them to underwriter, also had no manners to speack with the client. . I think its a big abuse toward people who alrealdy suffering "hardship" someone really needs to look in to that matter. Irina Glelizer

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8:21 am EST
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Bank of America closed my account

on 12/17/2012 deposited a ck for my sale of hottub. just to be sure i waited for it to clear to release my item.
when it did not clear i called the bank they told me the check was fake and closed my account.
They did not give me the funds so I asked if I could open a new one since I contacted local police and FBI and I would bring in a report.
They said I could never again open an account with them. It is not like they gave me any money. Even the FBI said that is wrong that i was scammed. He suggested I get another bank. If they bad mouth me can I sue them?

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7:46 pm EST
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Bank of America identity theft internal employee theft other employees covering up the fraud

I started conducting business with the Middletown, Ri branch in August. Since then I have had thousands on top of thousands of dollars stolen in fake ACH debits, deposits that have gone missing erroneous withdrawls and more. I have brought this to the attention of the executive offices and the claims department who at time has credited my account only to find some bogus reason to deny the claim I have been banking with B of A for 15 years and I never had a problem. The transaction history has always been the same for the most part but no one seems to think all of the things that have taken place on my account is uncharacteristic based on the fact that I have rarely filed claims in the 15 years my account has been opened, this did not begin until I made the mistake of utilizing the Middletown RI branch. I have more than a good idea who is responsible for this and they will eventually be brought to justice. I will stop at nothing to expose this inconsiderate thief. I attempted to close the account out twice and for some reason it was not done. The funny thing is after I finally did close the account and open another one, Risk Management decides they are closing the account due to fraud which I suppose they are trying to insinuate is me. I have offered to take a polygraph and that was ignored. Currently, I have filed complaints with local law enforcement, the state police, FBI, OCC FTC Department of Justice and a few others. I will be pursuing civil as well as criminal charges where they will be forced to stand jury trial. BOA does not care about their customers in the least. They are also responsible for trying to ruin my credit which I can fix easily due to the fact that I put a freeze and fraud alert on my report when the fraud began, . I was also threatened with being reported to Chexsystems. However, they told me my banks were the ones stealing the funds by way of ACH. I was later told I was not going to be reported to chex systems. You never know with these thieves though as all you get is lies and contradictions to the answer previously received. The president/CEO should be fired immediately for allowing all of the fraud and deception to continue as he turns the other cheek as and acts as if he knows nothing about it. I simply want what belong to me and that is my money! If this thief is in need of money to support whatever habit he is supporting, I suggest he get off of his overgrown A** and find a better paying job, but at least have enough self respect and integrity to leave a single disabled mother of five's funds alone as I have worked for years to build a decent life for my children and I. What a coward to go stealing and what classless, inhumane group of individuals we call people that work for this corporation. I just keep praying that karma will show his ugly head sooner rather than later and make this coward own up to what he is doing. In my heart and soul I know who it is and I will see to it that you suffer the highest criminal prosecution I can get. Then I will see to it that you sit on you oversized butt with a bracelet around your cankle! I am past furious, exhausted and beside myself that this fool feels no remorse and has not attempted to rectify the situation. The least you can do is figure a way to make claims stop denying the claims I filed after YOU stole my money and YOU know who you are as well as I do. It's a matter of exposing you. Hopefully the Secretary of States office will want me to tell my story on the news as they mention it to me. You are rotten to the core knowing my home burned down in early September, along with my best friend passing two days after that and me having to get into a home quickly. However, you stole the money for the rent. I was in the process of purchasing a home for my children to call their own and you have ruined that. No one has ever given me anything and I have NEVER stolen from anyone! Integrity is a word I am certain does not belong in your vocabulary.

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Belleville
Belleville
Cincinnati, US
Dec 21, 2013 6:11 am EST

It is so difficult to reach someone with this company. You have to search online for a number because the number that was on my statement was disconnected. When I called to pay off my balance the automated system told me that "there may or may not be a fee charge, " but doesn't say what that fee may be. I never received bank statements for my payments. I sent a message on their website for someone to contact me via phone, but they just sent an e-mail. When I responded to the e-mail and asked again for someone to call me it took 8 days ((yet they said we'll contact you and your convenience)). I unfortunately got my loan transferred to this bank by M&I (now HMO) but I recommend that if you have a choice do not pick this bank!

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9:17 am EST
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Bank of America hold payments out/don't apply to account

Ever since Bank of America took over Countrywide they have been holding our payments out and now say we are 26 payments behind. I have proof we are not that far behind. The statements they send show something called miscellaneous in which they refuse to explain. All my payments are showing In that category and not as a monthly payment. It's their fault that it shows us behind in payments, now they want to foreclose on our home unless we pay $25, 000.00. They keep denying our modification loan stating my husband makes too much. They can't add. They think 2000 + 2000 = 8400. Their full of crap. Their nothing but lowlife ### who rip people off. It makes them look like they are embezzling our money we pay.

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2:27 pm EDT
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Bank of America foreclosure of mortgage

In Sept 2011, my father was diagnosed with lung cancer. He owned a 40 thousand dollar rental property in Conyers, Georgia since 2005. He was always current with his mortgage. Shortly after the purchase the taxes went way up and the property made no profit. He still paid the mortgage. In spring of 2012, his cancer had become so aggressive that he could no longer keep the home. He tried to do a short sale with a realtor. He tried working with BOA, and they put him in touch with a company called REDC. He found that he could not do a short sale or a deed in lieu of foreclosure due to a lien on the home from prior to his purchase of the home. There was already a lien on the home before he owned the property. It was a bad title search. He tried with all his effort to give the property to BOA. He jumped through ridiculous hoops that Bank of America set for him. He had his renter move out, knowing that he could not insure a vacant home. Bank of America required it. Shortly thereafter, he received notice of cancelation from his insurance company. Bank of America sent him letters stating it was his job to insure the property. At wits end, he gave up. He did not make anymore payments to BOA. BOA wanted the mortgage money, and REDC refused to work with Dad because of the lien prior to his purchase of the home. Bank of America started harassing Dad, DAILY! They would call and demand payment, they were not nice (which is somewhat expected when a bill collector calls.) The calls went from daily to hourly and then sometimes within 10 minutes he would receive another call from BOA collections. I tried to handle some of the calls because Dad could no-longer remember the answers to the exhausting list of questions that BOA used to confirm his identity. BOA refused to deal with me. Dad and I faxed written permission for me to handle the calls as the harassment was out of control. The collections agents for BOA said they worked a queue and they had no option on the collections calls nor did they know that we had just been on the phone with another collections agent just moments before. I finally sent a fax (with the help of a kinder collections agent- who was willing to listen). Dad was in hospice.. the fax was a cease and desist fax. We wanted absolutely no contact from BOA. We tried to work with them, they were and still to this date are unworkable. Currently BOA is now harassing me, the daughter of the mortgagee. They have NOT foreclosed upon the property. Dad passed away in Feb 2013. BOA harassed him so badly, in a way that was so wrong. It didn't matter to the collections agent that Dad could barely speak because he was so short of breath, nor did it matter that they had called his house and had to ask 15 identifying questions upon him before they would ask him for money or did the frequency matter. They didn't care about his well being, that he was on hospice and expected to live only a few weeks. Now they call me several times a week, they want me to know a huge list of identifier questions about Dad and a property I never owned. I am being harassed! I have had enough BOA, we have said and continue to say, we DO NOT have any interest in the property in question. Foreclose immediately! In July 2013 I received several letters from lawyers representing BOA that a foreclosure would happen July 2nd. After talking with Omatola from BOA, that never happened. I wish BOA would get their story straight. In the end had Dad lived, he may not have owned the property after all the payments were made, the title was never clear upon its purchase. Whose fault was that? We were grieving for Dad and with Dad but at the same time being harassed at all hours. I changed my address and phone number with BOA, and still they call and harass. I LOVE YOU DAD and MISS you everyday.
[protected]@charter.net

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Bank of America winnings from sweepstakes

I, have receive a phone call by Mr Mark Benit, who is saying that he works for Bank of America, and the bank receive funds from America pch sweepstakes & I, have won . And I, need to claim the money . It is here with our Bank, and why have you not claim it . This is the number he gave me to call [protected] him . This has happen to me 3-days ago . I, did not give him any personal information . Please help me, thank you . If, you wish, email me : [protected]@columbus.rr.com . I, think he said the Claim - blank- dept .

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mrbose
mrbose
Rohnert Park, US
Sep 18, 2013 2:53 pm EDT
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Are you frickin crazy scam scam scam

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Bank of America eric myers

Mr. Myers should not be part of American Spirit Federal Credit Union as he does not represent what a credit stands for. Mr. Myers was rude, unprofessional, and confrontational when I called to let him know when I could pay on my loan. Mr. Myers stated that it was not acceptable. I returned his call as he has been leaving
threatening messages about filing a judgment against me. My Myers made it clear that he didn't care about my business and previous history with the credit union. I mentioned how I paid previous loans off and was never late on them and he said that you cannot rest on your laurels which offended me. Mr. Myers played games on the phone by hanging up stating that I wasn't listening to him and I chose to talk over him. I called back to ask for a Bank Manager and he stated that he is the manager and no one else would speak with me regarding my loans except him. Mr. Myers advised me that he could freely express his opinion as we live in America. I can't understand how Mr. Myers can continue to work at the credit union and talk down to customer's. I can't wait until I have no more business with the credit union. I would rather pay higher bank fees than to be treated badly. I hope no one else has to deal with Mr. Myer's ignorance and stupidity. When I got home today
I received a letter in the mail today stating to call to make payment arrangements. I can't believe the credit union allows this to happen.

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Bank of America dual power of attorney

I was told at Bank of America that the dual power of attorney that I have for my mother would not be honored next time I tried to use it for my mothers banking purposes. They want me to have their own paper work notarized which is called " CA-Signature Card Addendum Power of Attorney". Isn't this breaking probate laws? Aren't they obligated to except the power of attorney by law?

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12:29 pm EDT
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Bank of America untruthful information

Ben Christopher (mortgage loan officer, NMLS I.D.# 179356) was approached by my brother in June 2013. My brother had just finished paying off his chapter 13 bankruptcy and was waiting to receive the official document showing that he had successfully paid it all off. (Note: the death of his spouse and the ensuing bills and problems related to that death had plunged him into bankruptcy). He was inquiring of Ben whether or not my brother could qualify for any loan program through bank of America now that the bankruptcy was behind him.. My brother was up front about all aspects of the bankruptcy, he let Ben know that he had just paid it off and he answered all of Ben's questions about it and Ben then said the bankruptcy wouldn't prevent him from getting an FHA loan.

Ben then pulled my brother's credit report from all 3 credit reporting agencies, looked it over and pre-approved him for over $200K. My brother went looking for a house, found one for $89K and paid for the house inspection and septic. House failed septic, so my brother moved on to find another home to buy. He found a nice one which he could get for $117K and again paid for all of the inspections which bank of America required.

Less than a week before Bank of America was due to sign off on the mortgage loan and two weeks before the new house's paperwork was to be signed, Ben called my brother to tell him that Bank of America had declined him because of two small marks on his credit report. Those "marks" had been paid off, however, and my brother had proof that they had been recently paid off. It is my understanding that Ben told him that the fact that both small marks had gone into collections was what had disqualified my brother from obtaining a mortgage with Bank of America. HOWEVER Ben had already known about those two items from day 1 when he had pulled my brother's 3 credit reports, yet he never addressed them. Instead, he pre-qualified my brother and gave him a high dollar range to buy within.

My brother spent a few thousand dollars on home inspections, fees, deposit, etc. only to learn yesterday through another mortgage lender at a different bank that FHA rules prohibit anyone who pays off a bankruptcy from being qualified for a loan until 2 years have passed since the date of the bankruptcy's payoff. It would have stopped him even if his credit reports had showed perfect credit.

For some unknown reason, Ben Christopher appears to have strung my brother along and caused him to spend a few thousand dollars in the mistaken belief that he would qualify for an immediate FHA loan. My brother had kept in close contact with Ben Christopher throughout the entire house-buying process (weekly/bi-wkly) and Ben had been very reassuring through the rough patches. Ben never hinted that there could be a glitch in obtaining an FHA mortgage loan. He kept encouraging my brother to continue on..

It wasn't until the loan deal was about to go through when Ben told my brother he had a 50/50 chance of getting this loan. That shocked both my brother and myself, because wasn't pre-approval suppose to guarantee that a prospective buyer could get the funds to buy the chosen home, barring any new information suddenly appearing on the credit report? Pre-Approval is suppose to assure the seller that a solid, bona fide buyer is standing before him with the ways and means to buy that house.

Ben Christopher is a mortgage loan officer. He had to have known from the beginning that my brother's bankruptcy would disqualify him from obtaining an FHA loan for the next two years. Another mortgage lender said that this is common knowledge throughout the mortgage industry. Ben also had to have known whether or not those two small paid off marks on my brother's credit history would cause any problems, too.

We have no idea what Ben Christopher got out of this, but I hope this Karma returns to him. PLEASE DON'T DO BUSINESS WITH BANK OF AMERICA IN WAKEFIELD, MA.

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Belleville
Belleville
Cincinnati, US
Jan 01, 2014 7:34 am EST

BoA shape up your act as a Giant money hunger grubbing entity that swallows others up whole. Stop doing all these devious banking practices not only to the little guy. But, for God sakes to everyone. How much money is enough for you bankers. It's true what I read, American workers bailed many banks out with our wages and taxes and then you treat the public and customers like s_ _ t. You will never have my forgiveness for putting me through all these things and I can only hope God does see all these bad things you're doing and brings you all to justice for all Americans to have satisfaction for the day you fail and meet the Lawyers to bring you down! You greedy butts.

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Bank of America charged for bank mistake

Bank of America provided to us the wrong closing amount for the refinancing of our mortagage (we owed less than the amount which was provided to us), and realized their mistake after the closing of the same, so Bank of America scrapped (?) our signed and notarized paper and required us to close again; then Bank of America attempted to charge us $934.49 for closing costs! Bank of America is not to be trusted!

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Aug 16, 2013 11:45 am EDT

Bank of America provided to us the wrong closing amount for the refinanncing of our mortgage (we owed less than the closing amount they provided), and realized their mistake after the closing, so Bank of America scrapped (?) our signed and notarized papers, and required us to close again; then Bank of America attempted to charge us an additional $934.49 to close again! Bank of America is not to be trusted.

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Bank of America phishing attempt

received call from [protected]. Woman indicated that she was from Bank of America and wanted me to share information with her about my account in order to verify who I was sp that she could then tell about an issue with my accounts. I asked her how I could tell who SHE was and she said that I could call the number on the top of my statement (or [protected]) and they would be able to tell me what the isue was. I called the number on my statement. They told me that this DID NOT come from them, that it was a Phishing scam. They suggested that I place an alert on my accounts and at the credit bureau for 90 days: [protected]

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Sqeakylaser
Pennington, US
Dec 26, 2014 11:16 pm EST

Report them to newyork@fbi.gov

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RaniaE
, US
Dec 11, 2014 4:07 pm EST
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I got the same call today, however it was from [protected] and a lady from Bank of America (Aveln) asked to for my last 4 of SS#. I asked her for my account number to verify that she was with of BofA. She said I cant give you such info but you can call me back at [protected] X 14408. I gooled the number and fund no link to BofA. I called my bank and reported them.

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valeriechicago
Plainfield, US
Aug 20, 2013 7:46 pm EDT
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file complaint with the Consumer financial protection bureau, CFPB. I have mortgage bank of america, bought me from countrywide, so much drama, i hate to even explain it all right now. i went to NACA, and they helped me try to get modified, and i still got denied and NACA filed complaint with CFPB, now bank of america kissing my butt and sending letters and i am in foreclosure, 3 court dates so far, no action yet, CFPB has taken over for the independant foreclosure review, IFR, I thought all my chances were over, i still no job extremely depressed filed disability, im 48 and unwanted by employers, no husband, never married, 2 grown kids 25 and 22. so many troubles no car, living on 74.00 a week from unemployment, I m praying i get approved. try to modify or move, hope bank pay me at end, im so tired, but im greatful i fought for 5 yrs, and im still in my home. foreclosure started in feb, 2013.

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Bank of America bank teller jessica cheater

Me and my boyfriend have a business for 5 years together we have been going to this bank branch for 2 years now everyone new us there as together we have 2 accounts there mine and his for business. Well about a month ago I found out that a bank teller has been cheating with my boyfriend stating she didn't know he had a girlfriend at all. So I spoke to her manager and she said she was so sorry and shocked well the girl Jessica said she would stop that she is sorry as well but it seems she was not because I found my boyfriend with her again. Now at this point I'm upset because she knows our info and I don't know what she's capable of doing to our account and I think she just wants him for him money. So I call corporate and I didn't here nothing back from them. So I'm am upset at this bank for allowing this teller to still work there know what she has done.

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LoveBeautyNGlam
, US
Jul 30, 2013 8:55 pm EDT

This has nothing to do with Bank of America or "Jessica". I hope corporate was laughing at you when you were attempting to get this girl fired because YOUR boyfriend can't keep his d- in his pants. You thinking she wants him just for his money is just making up another excuse for your sorry excuse for a boyfriend.

All the talk about her knowing "your information" and you don't know what she's capable of yet you are the one that is attempting to mess with her livelihood, her reputation at work and go as far as to say she's going to steal your personal information and do what with it exactly?

Honestly if you are going to try and get this girl FIRED for this and then actual go online and complain because the business won't do it -- I don't want to imagine the high school drama you create in your own business for the last 5 years.

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FishyToMe
, CA
Jul 30, 2013 3:18 pm EDT

Yeah, Jessica's a great gal - always offering to help any man complete a deposit.

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FishyToMe
, CA
Jul 30, 2013 3:02 pm EDT

That's not the way Jessica tells the story...

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11:56 am EDT
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Bank of America modification violations

I have been trying to get a modication for over a year now. I have submitted the same documents several times to Bank of America. Every time I am told all of my documents are in I get a new account manager and the new manager is missing documents. Can someone please help me I am afraid I am going to lose my home. I am on my 4th accont manager now who is asking me to submit the same documents that I have submitted several times already and I don't know what to do anymore. If anyone can assist me I can be reached at [protected]

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mariesanan
San Antonio, US
Aug 11, 2014 10:49 am EDT

The same thing happen to us we tried to do loan modification we did the reinstatement they messed everything up ... Nobody had record of anything no knowledge of agents that they work with . a total disaster.. they totally suck and heartless

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Mary Carmen
Toms River, US
Jul 20, 2013 6:19 am EDT

The first time calling customer service, you are hopeful because BOA customer service tell you that you will hear from BOA in a couple of weeks...the call never comes & so you call to find out that they are missing papers & go through all the information again & again...we have been going through the same for 3 years & it is hopeless...the worst feeling ever not knowing what direction this BOA will go...I have a list of case managers plus others I spoke with over 3 years - I believe that any countrywide mortgage BOA took over is with intention to foreclose so as to profit from BOA "loss".

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Bank of America short sale

had a mortgage with Bank of America. In Mid-August 2011 I was let go from my job. From September - December 2011, I had conversations with Bank of America for loan modification due to my unemployed status. In January 2012, when I did not receive the paperwork for the loan modification application, I contacted BOA again. They had no record of my previous conversations.

Started process all over again. Long story short, my modification application was turned down twice.
I talked to BOA about a short sale. Took several months, but finally heard from short sale department. Filled out all the paperwork, sent it in (some of it multiple times). The short sale representative in November 2012. She even talked to my Authorized Representative/Real Estate Agent and we listed the house for short sale, even had an appraisal.
Excerpt from email communications from Bank of America Short Sale Department:

Homeowner(s) Name: KATHLEEN CHAPPETTA SPIESS
Loan Number: [protected]
Property Address: 70076 9TH STREET, COVINGTON LA 70433
The Phase 1 review of your file has been completed. Based upon HUD Guidelines, it is confirmed that the Seller qualifies to participate in the FHA Pre-Foreclosure Sale Program. A request has been submitted for the file to proceed to the next phase in the process.
I did not receive a formal letter of approval nor of declination of approval. Then the rep was moved to another department.
Found out on 7/2/2013 that the short sale was not approved. That the house was foreclosed on mid-June.
I received no documentation and the BOA short sale representative led both me and my agent to believe that the short sale was a go. I tried to work with BOA from the very beginning. Looking back in my notes (I documented every encounter), it was nothing but a series of phone calls, unkept promises, paperwork (which was an added expense to copy/fax/mail to BOA, four to five representative changes (at least). In addition, paperwork I received was contradicted in talking to representatives and/or follow up documentation. Now it is all out of my hands. I appealed to BAC for assistance from the very beginning, in an effort to find a way to work through my financial hardship. I was unemployed for 15 months. My efforts to mitigate the effects of my hardship on mortgage and credit rating were for naught.

I don't know what, if anything, can be done now. I feel that I was treated unfairly. In good faith I did everything that BOA asked, sent them what ever they needed, never avoided their phone calls, returned calls if they left a message.
This whole experience made a hard time much worse.
Was this the way it was supposed to happen? Was it Bank of America's intention to lead a client on, then kick her when she was down?
Was this what mortgage crisis recovery programs supposed to accomplish? Is this what Obama intended when he put into place recovery programs?

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Jim Harvey
Elk River, US
Feb 03, 2014 1:25 pm EST

File a complaint against the servicer and Bank of America at consumer
finance protection bureau. It is the only way, short of a lawsuit, that
you can get them to move. They are, under law, supposed to reply to your
complaint in a minimum period of time as to a resolution. I don't like
having to go to the government for anything. Especially when I consider
them the reason for this problem with mortgages; but this works because
there are legal statues the servicer can't avoid. I have done it and it
has worked. Also let the servicer know that every time you have a
problem with them you will do this. You'll get better treatment because
they now know you have some help.

Consumer Finance Protection Bureau www.consumerfinance.gov

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CJ Wolfe
Strasburg, US
Jul 23, 2013 2:03 pm EDT

Agreed. BoA is a terrible institution and the Federal Reserves should liquidate their organization. They certainly act less like a bank and more like a money-laundering outfit run by the Mafia. Their short sale record is abysmal.

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7:28 pm EDT
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Bank of America closed a court ordered cd account without permission

My daughter had a CD account opened for her through attorneys due to a settlement in a personal injury claim in 2000, not to be accessed until she turned 18, which was yesterday. This account was set up so that only with a court order could it be accessed.
Yesterday on her birthday we went to our local B of A with our documents to access her funds and open a personal savings and checking account for her. We discovered that the account had been closed back in 2008. They couldn't find any documentation as to why. First of all, I don't care why. They shouldn't have been able to do ANYTHING with this account being that it needs a court order to touch it! After we returned home very frustrated, the bank called us and said they found the money after all. It had been turned over to the State of Oregon (state we lived in when the account was created) unclaimed property division because there had been no activity on the account and we couldn't be contacted. HELLO! NO ACCESS without a court order! I called and talked with the State of Oregon Unclaimed Property people today. By filing a claim form, my daughter is able to recover the funds that were transferred back in 2008. What about the last 5 years and the interest that would have been earned had the money stayed where it was? How can she get that back from B of A?
regon with a claim form, but what about the last 5 years of interest that my daughter is missing had the funds stayed in the CD account? How does she get that back?

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**SuperMan**
Boiling Springs, US
Jun 27, 2013 7:52 pm EDT
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You would spend every cent of that money fighting B of A in the courts. Take the available funds and close out any existing accounts with this horrifically corrupt entity. Note: When the FED finally collapses the dollar - once and for good - these banks WILL take every penny you have in their accounts. We've already witnessed B of A arresting (through NYPD) patrons when there was a run on their banks last year in NY. No one was able to access or close their accounts, and a large amount of disgruntled patron were actually arrested for trying to do so! Move your funds to a credit union and/or purchase some hard metals to off-set your portfolio - you'll thank me when the final crash hits our markets (in the very near future).

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Bank of America falsey accused of check fraud

So I opened my first checkings and savings account. After a few short months I was informed that my account was being closed... Apparently someone had deposited a check endorsed to me into an atm under my account without a debit card was allowed to remove $300 of the $1, 000 the check was worth.. It was fake amd I was slapped with the blame. I fought it and even paid the account closing fee, I was eventually cleared in there system.. But now everytime I try amd open an account it gets closed! Even though I have a release letter from the ews! Its extremely frustrating.. I have done nothing wrong and iv even fixed the wrong done to me but im still paying the consequences!

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maggiemct
San Antonio, US
May 27, 2013 1:55 pm EDT

Didn't this ATM have a camera? Have you filed a police report?

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wifi8827
, US
May 25, 2013 5:40 pm EDT
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are you trying to open new accounts with BoA? Or is it with other banks?

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12:04 pm EDT
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Bank of America Predatory lending practices

Bank of America is both predatory and an unethical institution. They have only one agenda, to target the exact people they are supposedly trying to help. There is not an incentive for them to preform modifications because if you have PMI and you have made payments on your home for several years it is in their best interest to foreclose on the home so they actually are making more money than if they were to reduce your interest rate. Plus they are pocketing what monies you put down to secure the loan. BOA has one agenda, to take your home but also mislead you by saying that they are running the home assistance program to help homeowners stay in their homes. It is gross negligence, a company this size that has been allowed to operate in this manner can only be described as criminal.

I have had a loan since 2007, the original home loan was with Countrywide. In 2009 both my husband I were laid off and we were forced to file chapter 7 Bankruptcy. Countrywide at that time would not preform any type of reinstatement procedures to secure the home loan after the bankruptcy. Texas is homestead state, which enables borrowers to keep their cars and homes out of bankruptcy proceedings. The loan was sold to BOA just a few months after our bankruptcy was discharged. We had applied for the modification just before we filed for bankruptcy because we were laid off and it was approved. But we were not able to make the first 7 payments because we were still not working. The loan was delinquent. The loan modification consisted of maintaining the loan term and reducing the interest rate by ¼ of a percent. It was 5.5% and went to 5.25%. What does that mean? It means that our original mortgage payment was $1700 and it went up to $2100. The just tacked on what we owed to the back of the loan and kept the loan term.

We eventually were able to bring the loan almost current, so that we only owed 2 payments. I wanted to bring the loan current so BOA suggested I apply for another loan modification for those two payments. I agreed and submitted all the documentation they requested. The loan officer Marina Henry based out of the Dallas, TX office told me to be considered for the modification you had to be at least 2 payments behind to be considered for the program and to not make any more payments because I would be ineligible for the program. I received a letter stating that I was not eligible for the program in May 2013 because I filed bankruptcy in 2009. This is the INCREDIBLE PART-I called Marcina and she told me to disregard this notice because it had been sent in error to literally hundreds of borrowers and it was not applicable to me personally because I had filed bankruptcy back in 2009 and this letter was sent out in error because that would only apply to me if I was currently in bankruptcy proceedings, which I wasn’t. Two days later I received a letter stating my house is in foreclosure. I called Marcina and never was able to get a hold of her and was assigned a new account manger Crystal Wright out of New York. I told her Marcina had informed me to disregard the notice and she said she was aware of this fact but it was NOT INTENTIONAL To mislead me but Marcina was misinformed and the policies changed as of March 2013. She also informed me the only way the house will not go in to foreclosure is bring the loan current to pay $10, 000 + penalties within 5-7 days! BE-AWARE of Bank Of America-They are Dishonest and have Sinister agenda

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Update by S.M. Frisco TX
May 17, 2013 8:20 pm EDT

Th!sman- you comments reflect not only your level of education and lack thereof, but also your lack of understanding of both the financial and economic outlook at that time. I have worked my entire life and have paid more in taxes over my life time than most will earn in theirs. For you to insinuate I'm a deadbeat illustrates to me fully your level of ignorance and more importantly you moral character. So do all of us a favor and keep your negative, ignorant comments to yourself. I'm currently working with a forensic attorney because BOA at this point doesn't look like the title holder because they sold the loan and do not have the authority to proceed with foreclosure. When I mentioned this to BOA today one of their many mangers have asked what it will take to make this situation right. These comments have been made to help other homeowners in this situation not to be commented upon by an illiterate twit.

Sorry about the prior post, typed it from my iphone and some characters were corrupted when it posted.

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slwtx2003
, US
May 26, 2013 11:06 pm EDT
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You didn't. The littledaddy33 person, with the bad english, said something about deadbeats. I didn't really understand what this person was saying but it was weird. I suppose the S.M. Frisco TX person didn't read well enough to see that you were just giving advice, and that the littledaddy33 person was the one being strange. It was really funny though reading him go off on you when you didn't even say anything.

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littledaddy33
, US
May 17, 2013 7:25 pm EDT

th!sman,

S.M. Frisco TX created their own problems and why I say that is they lost their jobs, but they to re-finance and they think a bank should help them when they to file a BK. S.M. Frisco TX an easy way out instead getting a job and doing what is right or they could be raised to be deadbeats.

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