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2.1 1574 Reviews

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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8:37 pm EDT
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Bank of America hold time

I've been banking with bank of america for 4 years now, and in the last year my reward for being a loyal customer has been to wait for 45 minutes to 1hour 15 minutes the last 6 times i've called. What bothers me the most is that the estimated wait time was 4 minutes every time. So now with bills backed up, my banking problem still unresolved, and no one at the banking centers around here to help me because they all told me to call, I also have to go and ask for money on the streets after i get out of work just to pay this phone bill. I almost have enough now on my fourth day walking around with a cup, but I think I would at least deserve an apology.

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Bank of America - wont give a closing date for refinace

I applied for a home refinance in april it is now august almost 5 months later, I can not get them to give me a closing date for this loan the possessor has rarely contacted me and when I contact them they need more information, I have provided everything they have asked for in a very timely fashion. After calling today to find out when this loan will close...

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Bank of America lack of customer service

Why is it that a company of the size of Bank of America cannot have a web site or telephone service to address customer problems. If you call them you are routed in circles and/or you have to mumble to get an agent to pick up the phone. When you try to contact them online you never get a response. It would appear that they cannot keep CEO's and having to pay out on their poor decision making has cost us all. I have a phone number for their office in Simi Valley but it is as bad as all of the rest of the phone numbers. I can only hope that they tank!

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Dimskiy
City, US
Feb 24, 2010 5:18 pm EST
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Bank of America VIOLATION OF 15 USCA 1692 ET SEQ

WACHOVIA SOLD ITS CREDIT CARD BUSINESS FIRST TO MBNA THEN MBNA SOLD TO FIA CARD SERVICES. MY LATE HUSBAND USED THE CARD. SINCE HIS DEATH, THE CALLS ARE HARASSING, AT ALL HOURS ANY DAY OF THE WEEK, AT HOME, AT WORK, ETC. THEY USE FALSE CALLER ID IDENTIFIERS AND HAVE VIOLATED 15 USCA 1692 IN NUMEROUS WAYS INCLUDING THESE MISIDENTIFIERS, IMPROPER HOURS CALLS, FAILING TO HONOR REQUEST (IN WRITING) FOR NO CALLS. MY NEXT STEP WILL BE TO FILE COMPLAINTS WITH THE FTC.

I NEVER AUTHORIZED ANY OF THE CHANGES OR CHARGES THEY ARE TRYING TO COLLECT THROUGH HARASSMENT AND INTIMIDATION.

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6:24 pm EDT
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Bank of America Beware

I have a HotShot company based out of Oklahoma. I've dealt with Countrywide twice. The first time we were to be paid by Comchek at PICK UP. I faxed them everything they required including our W-9 (which is posted on CentralDispatch.com but I was told to send it with the invoice anyway, so I did) I immediately was put off by Al, then when I couldn't get ahold of him, I would leave messages for Katy because I was told that Katy or Al were the only ones that could give me a Comchek #. No response from her either. After 2 weeks I finally talked to Al and he said he would fax me the Comchek #. He didn't! I couldn't get ahold of Al for several days after that, by this time, I'm not very happy! He told my husband that they never received our W-9 (which by this time I've faxed it 3 times) I informed Al of this and he in so many words called me a liar. We said that we understood why they have an awful rating on CentralDispatch and his exact words were "CentralDispatch ratings are ### and that he was in no hurry to pay people like us". I asked what he meant by that and he said people that are trying to avoid paying their taxes by not giving them their W-9. He hung up on us and we called right back and got ahold of Shane in Dispatch. My husband asked if he was proud to work for someone that didn't pay their bills and asked if he got paid for the work he did for them. He said he did. Then my husband said ok, if you work all week and are to be paid on Friday and they say I'll pay you Monday then Monday they say I'll pay you next Monday, how are you gonna feel? He said I'd be pissed. My husband said that's exactly my situation. We did what we said we would do, now it's your turn. After a very long conversation, he decided to help us and by the end of the day, we had our Comchek #. Shane said he would expedite our pay if we ever took another load for them so we just took another load on June 31st. (Payable with Comchek after delivery) Needless to say, we've got the same run around but Shane wouldn't help us this time. I faxed an invoice on July 4th and after getting nowhere I finally talked with Al on July 20th and he said, call back tomorrow and I'll fax you a copy of the CHECK. I said you were supposed to pay with Comchek, it was on the dispatch sheet. He said they don't do business with Comdata anymore. (I'm sure because they didn't pay them either!) I was furious! **And I noticed today they are posting new vehicles on CentralDispatch showing payment is by Comchek!** They are total liars! We happened to have a driver in California so I faxed him the paperwork for this load. The address they have on Central is a UPS Store and they only have a PO Box there. I called one of their references and it was a cell phone for a girl that hasn't worked for the company they had listed for 3 years. (She wasn't happy with my call and hung up on me!) The other reference said they didn't know why they had them as a reference because Countrywide owed them money too. He said he had also tried to collect money from them at that location. He said I needed to tell my driver if he finds him, to go in, ask for Al and if he shows his face to "kick his ###". I did some more research and found that they are Worldwide Shipping Services, Inc. dba Countrywide Auto Transport and the actual physical address is: 999 CORPORATE DR. SUITE 130 LADERA RANCH, CA 92694 My driver went in the ofc. as was told it was only a "call center". He noticed Al Alamad's name on a door and went in, being chased by the woman that told him it was only a call center, saying he couldn't go back there! He threw our invoice on his desk and said he was with FTG Transportation and he wanted to pick up a check for $525.00. Al said, "how did you find me?" My driver responded with, the internet. He was able to pick up a check, we were lucky! This company needs to be shut down! Please, save yourself the headache if you are a customer, don't call them. If you are a carrier and want to get paid, don't call them!

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Ayers at Cortes
, US
Mar 05, 2010 1:00 pm EST

We were scammed by Comdata too. They owe us hundreds of dollars. Richard Packard and Chandra Jackson have stolen money, and have the nerve to send invoices of $0 on an account that was closed in 2008. But, they won't return the money from our last factored load or the money in the Fasttrak account either. Good scam artists though. It sure is working well!

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Freightmann
Victorville, US
Oct 24, 2009 7:53 pm EDT

There was over $500, 000 of claims to their bond company. Yes...not a typo. Over $500, 000. It appears they raked in as much as they could over a fairly short period of time, and then dissapeared. Blatant fraud. No idea why these guys haven't been locked up.

Beware also. Semper Fi. Auto broker out of Las Vegas.

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JP Auto
Omro, US
Aug 25, 2009 7:36 pm EDT

Just for your info folks I had just spoke to their bond company to get payment and they told me that this operation has been shut down, bond yanked. If you will notice you can't find them anywhere on the web or the different load boards.
Hopefully it will remain that way at least till they understand how to respect the hand that feeds them!

Jeff
JP Auto Transport
Omro, Wi

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Bank of America Fundamental Breach of Contract / Rip Off

Countrywide Transport Inc and his CEO Daniel Biran are a fraud and a company of thieves. Countrywide transport has no clue what they are doing when it comes to international shipments. They will charge you an agreed amount. Once they are in possession of your items, they will increase the agreed price even if you are within agreed terms. Unless you pay them this amount, they will breach your contract, keep your money and abandon your service. I am left off without the promised service, without my money and very likely thanks to their unprofessional lack of service and communication, without my household goods. Please please please stay away from these crooks. You do not want to be in my shoes. Trust me! If you want more info, read ahead. Countrywide Transport is the worst moving company you will ever find. They are unprofessional, rude, and above all thieves. I found myself in the need to relocate from LA to Mexico City for work reasons. I contacted 123movers.com, which now I know was my first big mistake. These people offer to contact several moving companies and all send an estimate competing for your business. Several companies all with completely different pricing schemes contacted me. Amongst them, I received an estimate from Countrywide Transport Inc from Dennis Vines. After going through inventory, reviewing, and negotiating terms, I signed a binding estimate for 200 cubic feet door-to-door service for $1, 900 USD. At that time, Dennis requested a $500 security deposit, which I promptly submitted. At pick up day, a rented truck arrived to pick up my stuff. This was the first hint that something was not right but unfortunately decided to ignore it. Two workers one by the name Matt, loaded all my belongings in the truck. Before signing anything or paying the remaining differential, I went through the inventory with Matt and asked specifically if the volume we just loaded was on the agreed 200 cubic feet. Matt mentioned that indeed we were on the quota and that there would be no further charges. At that time I signed a check for the remaining $1, 400 USD. The next day I flew to Mexico where I live now. After the first week, I received an invoice from Daniel Biran, who I learned is the CEO and owner of the company. The invoice demanded for $197 USD under the concept of additional 30 cubic feet that are over the agreed quota. I contacted him and explained that this was not possible since we made sure to remain on quota on the loading day. His reply was another and another request for this money without any attempt to negotiate. I tried to talk to him on repeated occasions and all I received were the same requests for the ‘missing' $197. At this time, I sent a complaint to BBB and told Daniel that if BBB determined that I was wrong, then I would gladly pay for the requested amount. In the meantime, I believed we could go on with the service knowing that an impartial third party would determine whether I should make that extra payment or not. Daniel Biran did not replied to BBB nor did he replied to any of my requests of going through the required documentation in order to make sure that everything was set for customs once the shipment arrived to Mexico. A couple of weeks went by and I received no news at all from CWT. Eventually I received a call from the port of Veracruz notifying me that a shipment sized 200 cubic feet had just arrived under my name. No inventory or arrangements were included with the shipment, just my phone number. I called Daniel Biran and asked about this situation. His reply was “you should pick it up yourself”. After this call he never replied to any of my emails or answer any of my phone calls. I asked Dennis who made the sale for help. Unfortunately, for me, Dennis has no power, authority or willingness to solve anything. He continuously reminds me that he is merely an employee and that everything is under Daniel's control. Now I am under big risk of losing my stuff. Not only was the contract breached, but also the inventory did not arrive with the shipment and without an inventory customs will not let the stuff go through. It is impossible for me to remember the amount of boxes, products and serial numbers, which are required for everything to be released. Now I am left off trying to solve this big mess. I will have to pay moving everything from Veracruz to Mexico that is if I am able to release my shipment.

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Julia Pretorius
, ZA
Jul 27, 2011 1:42 pm EDT
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We also were scammed by JBK .. we paid them $9000 to move our stuff to South Africa Cape Town. After many phone calls and no joy with Adam Goldstein we finally got our household goods 6 months later by contracting Pickfords South Africa to move our goods from NY to Cape Town costing us another $9000 ... they are scammers DO NOT TRUST THEM

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bigairlar
Holland, US
Nov 16, 2010 8:18 pm EST

I work for a reputable moving company. A neighbor of mine contracted with JBK to move his household goods from Michigan to Australia. JBK quoted him $8, 000. Once loaded, they demanded $12, 000. Said it went heavy than oringinally thought. I gave him a quote of $20, 000 to move his items. He said he wanted to save $12, 000 and went with JBK. He just emailed me and said his items are still in Michigan and he is out $12, 000. I will now be handling moving his items to Australia. I saw the truck show up to his house, and they had 2 "NON-movers" loading a ryder truck. They took the items to a mini storage unloaded them, and left. Fortunately for my neighbor, he was able to track down his stuff. JBK is a "rogue" mover. Looking to scam people and take there money. This guy should be behind bars for all of the crimes he has committed. DO NOT book your move over the internet. Have a local reputable moving company come to your home and provide you with an accurate estimate. Make sure they've been in business at least 10 years, and have a physical address to can go see if necessary.

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jgiron
Norcross, US
Oct 25, 2010 12:43 pm EDT

correction and addition to my comment above, Adam Goldstein-Daniel Biran-Melvin L. Cash- are the same person who own JBK Transworld Shipping and Storage company. The Jewish-Israel community has nothing to do w/this, but I am sure they would be ashamed to learn about their bad apple Adam Goldstein, who is scamming people all over- Stay away from his co. If you use Movers 123.com to seek help for your shipping, JBK Transworld Shipping and Storage, have ways and tactics, they will steal your sale from the good reputable companies and act like they can give you the best possible price.. If you hear from his new staff that is always changing--now-Charles and Bob. Do not take or answer their emails or calls- Please check out Movingscam.com and this site for all the people Adam Goldstein has stolen money from--thousands and he refuses to pay.

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Milton Jacks
norcross, US
Oct 24, 2010 10:11 pm EDT

I wouldn't be susprised if this comment by Betty has been made by the one and only diskyzed daniel biran and adam goldstein - these two names are the same people. Goldstein? BIRAN? this man has no shame of what he is doing, he is stealing people's money. He is always in the run when authorities want to catch him. He simply has no morals and does not fear God. By the way he is jew-israelite, Not American Jew-from the good, honest, sincere people. He needs to go back to the same hole he came out of. THe company JBK transworld and Country Wide are the same co. STAY AWAY from dealing w/ these companies, I am sure he is getting ready change his name again since we all know who he is. Search for movinscam.com, you can read about their scam.

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VinesD
Loganville, US
Jul 13, 2010 11:03 am EDT

I've used JBKtransworld and I had a wonderful move to brazil they fulfilled every aspect of the move to the fullest. i would use them again if I need to move!Sincerely yours Betty.

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vines3155
Loganville, US
Jun 21, 2010 3:13 pm EDT

Countrywide Transport Inc, has been contracting with people for years and not fulfilling the contracts as written. They say they will deliver within 4-6 weeks to Europe or 6-8 weeks to Asia and they take 20-30 weeks to deliver your goods because they use the slowest and cheapest mode of transport on earth tha takes months longer than they say it will. Run from JBK Transworld Moving and Storage in Wyoming and Georgia.

I contracted and paid the company name :

JBK TRANSWORLD MOVING & STORAGE
6040 Unity Drive Suite K, Norcross, GA 30071
Ph: [protected] Fax: [protected]
www.jbktransworld.com
ICC686070 US DOT 1914914

A sales person, Craig D. Westfall, sold me the services and turned my order over to the manager, Adam Goldstein, who I now know is Daniel Biran the owner of JBK.

However, all my paperwork is all assigned to :

Countrywide Transport INC.
6180 Atlantic Blvd., Ste. F, Norcross, GA. 30071
Ph: [protected] Fax: [protected]
ICC MC 598903 US DOT 1621672
www.countrywidetransport.net

I have since found out both of these companies are both owned by Daniel and Natalie Biran and that they are taking people’s money and not shipping their goods as a standard practice. They take the orders under JBK Transworld, then move the goods to their warehouse in Norcross, GA and hold everything, not shipping it as contracted to, for months, under the guise Countrywide Transport, Inc, their warehouse in Norcross, GA is causing the delays. The blame for the delays are always some elses fault, not theirs. And things disappear and no one knows where they go. All my major appliances disappeared, stove, refrigerator, washer, dryer, and of cource Daniel Biran and Adam Goldstein denied any wrong doing.

Pat Bailey and Joyce Steward

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Bank of America adding service without user response

I opened a checking account with bank of america. Recently privacy assist service automatically added into my account with customer confirmation. This is not free for the bank of america, it usually charged $8.99 every month. This service should be enabled only customer get prior approval for adding this service.

I request everyone who opens account with bank of america to check periodically their account statements and go to the bank immediately if something not known to them. In the future, avoid opening a new account from bank of america.

I request everyone to open accounts other than bank of america. Some of the banks have better service(Chase bank, Capital one, Discover bank). Try to open such a accounts to build good relatioship with these banks.

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justyouraveragejoe
new jersey, US
Sep 14, 2010 10:30 pm EDT

I was taken in by this same scam. A man called my home in July informing me that he was calling from FIA card services, I verified if this was a sales call and he lied that he was not selling and said that he was from the card services. He said in these days there are lot of identity thefts and seems that there was a hack into a batch of creditcard numbers at thier end. They were sending out the credit reports and i was to check if there were any misuse of my account. I confirmed if there is any charge for getting the credit report and he said that there was no charge and they sending it out to all people whose account maybe compromised. So they they had reason to believe my card account could have been misused and that they needed to send me the credit reports so I could make sure that my account was ok. He then proceed to tell my credit card number and he asked to confirm my social before he could proceed further. i confirmed my social. He then asked if he could record what we were saying and if i agreed to do this. I said yes. He then proceeded to very quickly read some terms and notices. I halted him saying he was too fast and i did not understand most of it. He lied that its part of his job to read out and make sure i heard it. He was pretty glib and kept on talking. I halted him again and he was pretty irritated and kept on talking.

I immediately went online and monitored my credit card account for a couple of weeks. No credit reports were mailed to me. Today Aug 14th i seen my credit card statement and there is a charge $12.99 a couple of days back by Privacy Assist.

I called Privacy Assist to check what was going on. The lady on customer assist was trying to convince me that it was a good deal to have protection. I said i m not interested. For the last so many years I have been regularly solicited to buy credit protection, and i never brought it. I then proceeded to tell the lady that i did verify if the guy who called was selling and how the guy lied. She then offered to lower the monthly charge if it was too high. It was like she did not understand that i did not want the service period. After much annoyance and petty talk she finally said that she will discontinue.

I asked for her to refund the money charged and she point blank refused, saying it is my fault that i accepted and BofAmerica customers wer given 30 days...it was like she never heard anything i told her about the guy lying and conning me. I finally told her i will lodge complaints. I told her in the first instance i got the card from Wachovia and not BofA. Secondly i never agreed to the service and finally i never got any credit report too. On and on it went, i was really getting angry. I told her to verify the call made by her rep and she had no right to call me a liar. After much trauma she finally agreed to refund the money.

I agree with earlier comments that 1. They are deliberately scaring someone with a lie so they can steal from the average man and this is so wrong. 2. Giving thier dishonest affiliates my credit card number and asking to verify last four digits social security number is also wrong. 3. The customer assist person tried her dammest to hook me to the service and refused to refund $12.99.

It is sad to hear that the USA employees at customer assist have to work in such pitiable circumstances. My heart goes out to them and urge them to leave as soon as they get better oppurtunities. It will not be easy in this economy. But harassing clients or being a fraud is not the better alternative.

For the most part the majority of customer assists call centers are outsourced and the people there are least concerned about service to Americans. I sometimes am inclined to beleive that they take deliberate pleasure in stickin it to Americans. I hope to be wrong in this, as the only ones to blame are other greedy Americans who outsource in the first place just to fatten thier bonuses.

BTW I agree that "tigereyze" has a vested interest in the company. He probably is employed by the company as PR and his job is to discrediting the folks who are complaining.

Do not trust such Corporates to be honest, or act responsibly, when it comes to this scam. They don't really care and just want your money.

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gdm2415
Norman, US
Jul 31, 2009 1:13 pm EDT

The same thing happened to me. Luckily, I noticed the very first time they charged me the $8.99 for Privacy Assist, and after only about 5 minutes on the phone they were willing to cancel the service and refund me the money (but not until after running through all the wonderful things Privacy Assist would do to preserve my fabulous credit score). However, the woman I spoke to there claimed her computer shows I signed up for the service online on June 4...the problem is that I opened the account in a BofA branch on June 12. So I'm not sure how I signed up for a service when I didn't even have an account.

It seems BofA's financial troubles are causing them to do some semi-shady things, hoping people won't catch on. So I suggest everyone pay attention to their accounts.

-- Greg
Norman, Oklahoma

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Bank of America sided with a fraud company like dh gate

I made a purchase on DH Gate.com - CHINA. They sent me damaged items. I have an online protection purchase on bank of america, so I filed a dispute regarding the items I got. They asked for documentation after documentation, faxes after faxes, which I sent... then in the end, denied my claim saying I have to contact the seller! I contact the seller before filing a dispute which I sent to bank of America, they closed the dispute without letting my know... IS THERE ANYBODY OUTTHERE THAT WE CAN FILE A CLASS ACTION AGAINST BANK OF AMERICA... they would rather steal your money, side with the fraud merchant like dh gate!

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Update by iskah
Mar 15, 2010 6:17 pm EDT

because you work for bank of America, you are also a THIEF! you make money out of me... I pay extra for to have a secure online transaction. Bank of America told me to contact the seller, returned the merchandise, I paid for my shipping back. I did everything, YOU TOLD ME TO DO...then you told me.. I DON'T HAVE A CLAIM! I don't have a claim? I did everything YOU PEOPLE asked me to do.. after all the faxers AFTER FAXES, documentation AFTER DOCUMENTATION and phone calls.. you told me I don't have a claim? I hope you sleep well at night ...

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amftgb
Phoenix, US
Jul 29, 2009 10:17 pm EDT

Banks do not reverse charges due to faulty merchandise. That is something you have to take up with the business. You can file a dispute if your account had fraudulent charges on it, being charges you did not authorize. Since you gave the website permission to take funds from your BOA account you really have no claim.

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Bank of America sold my debt to cach

I have been in a debt consolidation since 6/2006, got 4 out of 6 cards paid off. On 7/6/09, I received a summons in the mail from a law firm stating that CACH LLC is sueing me for $6500. I had no clue what this was about since I gave a POA to the debt co., I have never received a letter, monthly billing statements, that CACH was now the debt collector and they took over in Feb 2007, its now 7/09. I have been in contact numerous times with debt co. asking them about this debt. regarding this summons. At the time I turned everthing over to the debt co, this bill was only for $2119.00, and now I am being sued for $6500. Cach has never sent me anything after they bought the debt, and on my debt co., it states settlement pending. I had no idea about this until today when the debt co emailed me saying cach bought the debt back in 2/07, it is now 7/09, why wait so long. I have replied to the court, so just waiting to hear for a trial date. Is this legal for Cach not to contact me for payment of this debt since 207 and receive a summons in the mail on 7/09?

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bobtheman
, US
Jul 24, 2009 9:27 pm EDT

I would go to a lawyer. These law firms that collect debts are the lowest of the low and typically do things that are questionable. I was sued by one for a debt a few years ago and got legal help through the local law school for free. They were going to dispute the entire case because the law firm tried to say that Capital One's address was their address, but we ended up settling. Definitely go for legal advice.

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Bank of America charges to check my account balance

I receive child support payments through a debit card system. This is set up with the State of New Mexico Child Support Enforcement Division. Bank of America charges .50 cent every time I call to check my account balance. May not seem like a lot to some people but to those of us who need those funds coming in and dont alway get them on time... we check our accounts daily... it adds up. Bank of America is using the State to help them rip people off.

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vanessa vega
, US
Jul 08, 2010 6:48 pm EDT

It is not the banks fault? Are you kidding? This is a card that I was sent to me by the State of California, so that I could get paid $60 per month, on $1000, 000 of child support that I should been paid years ago. Green Pay card? You must work for the bank! Bank od America issue's the card based on some deal they made with the state.
Mister Banker! AND YOU KNOW THAT! Yeah, it's a green card alright. It make alot of green for the banks on the lifes of children?

I just went to get gas with my "child upport" card, and got a 72 hr hold on $60.
Again, I am owed $100, 000.o0 for back child support. My boys are men now, and one is a police officer, my baby is 28 years old and I have fought for over twenty years just to get child support that is owned to me., and now I am being raped again by the banks. I guess thats how it goes. No Justice. Here's the justice the state makes a deal to let the bank take your money. Nice, but I bet mister banker will say thats fair, because he's the one ripping you off.
I'm calling the media. GREEN PAY CARD! PLEASE...

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ha.miller00
Columbia, US
Sep 04, 2009 9:33 pm EDT

That is NOT Bank of America, it is a green PAY CARD that has nothing to do with Bank of America, it is through your employer and I know you know this. Why don't you just go to the bank and open a normal account.

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truelife
El Dorado Hills, US
Aug 21, 2009 4:45 pm EDT

Agree, this is a rip off; but, not sure where all the fees go. The partnership saves the States money - big time.

I just checked on all charges that apply to this account. Found out what the fine print means. This is in CALIFORNIA

1) 4 free withdrawals a month after that - it is a $1.50 charge to withdraw funds
2) 1 free customer service call per month - after that each call is $1.50 charge to the account
3) ATM's that are not B0fA there is a BofA charge of $1.50 and the ATM charge as well
4) DO NOT SWIPE THE CARD AT THE GAS STATION PUMP - this causes a 72 hour automatic HOLD on $75.00 or what ever amount is in the account !
5) negative balance charge - $20.00

The arrears on my child support is 200, 000.00 and an institution has a right to put a hold on any of the few dollars that are attached and charge fees?
This is the best example of BANKING in AMERICA and CHILD PROTECTION working TOGETHER. SHAMEFUL

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5:04 pm EDT
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Bank of America Oops...I meant, you AREN'T getting your house.

No help.

In January of 2009, my husband & I decided to try to get a loan to purchase a home. We had two friends that had been pre-approved for a home loan, young like us so we asked ourselves, "Why not us?"
I got in touch with a family friend who referred me to a loan officer working for Country Wide. She told me that I was pre-qualified on my own. My husband doesn't have the best credit so we figured that was good news.
We started looking around at houses, had offers on a couple that just didn't work out then found the (1st) home of our dreams! Beautiful, 1 story house in Goodyear, Arizona. Perfect for us & our children. It really sounded too good to be true, & we later found out why.
We made our offer, they accepted…(THEY being Fannie Mae) & we started the process of getting this house to be ours.
We paid the inspection fee: $295.00, the earnest deposit: $1000, & the appraisal/credit report fee: $490.00.
We were supposed to close on March 11th & we thrilled to be first time home buyers about to buy such a beautiful home! Another plus was the $8, 000.00 credit for first time home buyers we thought was going to come our way!
Come March 9th, we receive a phone call from our realtor saying that they needed more time. He & the loan officer just got off the phone & they weren't going to be done by the 11th. We needed to sign an addendum for more time.
What I forgot to mention: The property manager for Fannie Mae was just a jerk. He said that if it went past March 11th, he was going to charge us $100 a day. & If it didn't go through, that he was going to keep out earnest deposit. We also found out in the mid-of everything that though I was pre-qualified on my own, Arizona is a community property state & that my husband's not so great credit was going to affect everything. After we had paid the $1800+ to everyone (title company, inspector, Country Wide) they said we absolutely needed a co-signer. If we did not get a co-signer, we were going to lose the deal & the $1800 we put into it already would have been a waste.
We got my parents to co-sign. My father has immaculate credit. They said everything was good, everything was GREAT & that we would be in the house! So AFTER March 11th, came & went, the loan officer said she just couldn't get us the deal. We tried 2 other mortgage companies & they couldn't do anything for us either. We lost $1800+ & a great house.
I work for an insurance company making $42, 000 a year & have worked with my company for 2 years now. I have a great job & benefits. I have a very limited credit history. I don't have bad credit, just not enough. After this whole ordeal, I tried calling back the title company & no one returned my calls. I contacted the BBB. They have yet to answer my calls & emails. I guess everyone is just busy spending my money & laughing about "The poor fools that thought they were going to buy a house."
By the way, our friends that were pre-qualified before us, they bought their home. The two of them together make less than me, they don't have good credit & are about to lose their house. They've only been living in it for two months.
I cannot fathom the thought of why the government let them buy a house they couldn't afford because they had more credit, not better, just more credit than I do. & I, my husband & I, can afford a house right now with the homes for sale in AZ but couldn't get a home. & COULD NOT for the life of us find someone that could help us! That is what bothers me the most!
We were only told that I need to build my credit. Can you take a guess as to how many times I've applied for a credit card? (This would be my first credit card by the way.) They all said I had too many inquires on my credit within the last 6 months. Funny, & the loan officer told me all mortgage inquires would show as 1 inquire if they were from within 30 days. I don't think so.

So now, I am pretty much f*cked. It's ridiculous how this effed up government works & how there is NO HELP!
The moral of this story, please know that a pre-qualification is NOTHING. Don't be fooled, read about everything that involves the home-buying process. If something doesn't feel right to you, listen to your instincts. Our friends are about to lose their home because their loan officer fooled them into thinking they could afford their house. We know of another couple that just got their keys a few days ago, & we know they will lose their house too. Make sure everything is calculated correctly. Ask all the questions you need to, to feel comfortable with your decision. & If you find your "dream" home, don’t over pay! There are plenty of homes right now for sale, especially in Arizona for GREAT prices! What my husband & I have learned is that, once we are able to buy a home, we aren't going to go for the AMAZING home of our dreams what we can barely afford, we are going to buy the best deal on the cutest house & MAKE it our dream home! :)
I hope someone can learn something from our mistakes.

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Bank of America we wont give you a receipt - give me your id

This tops the cake now - In order to deposit $100 cash into my sons account i must show my drivers license - please tell me why? when i had the account number i should have been out of the bank in minutes but NO this is the BANK POLICY. Funyy though standing just five feet from me was a woman who was depositing a check into her daughters account, she did not know the account number but the teller was able to give her the account number to write down and best of all she did not have to show an ID - so how is it that bank policy only applies to some and not to others?
Now they have taken it even further today i deposited another cash deposit and the teller REFUSED to give me a receipt - according to the teller this was to protect my son - but how can she prove to me that she actually deposited the money into the account i requested - the response - YOU DONT GET ANYTHING > please tell me why i would want to do business with this bank

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Bank of America Incompetent Department and Service

Six months ago, at the end of January, my husband and I put an offer down on a house in Monroe, CT. We found out after negotiating a sale price with the sellers, the house would be going into short sale. We agreed to move forward with the sale and went to contract on February 20, 2009, putting down an additional 1.5% (as requested by their attorney). As of this date, the seller’s attorney has a total of $9, 550 in escrow ($3, 830 as initial deposit, $5, 720 at contract) toward the sale of this property in which we are not obtaining interest on. In addition, Countrywide (now Bank of America), has been giving us the run-around and has not been able to get anything completed on the sale of this home (see timeline below). Our whole team, including both our attorney and theirs, both sets of real estate agents, and both the seller’s and us, have invested so much time to help move things along with the bank but to no avail.

Every representative we speak with at the bank does nothing but add notes to our file based upon our conversations and we continue to receive false deadlines that are never adhered to by the bank. On top of this, we seem to be encountering a red tape nightmare. As you will see in the timeline below, we have completed all requests made by the bank in a most timely manner, and have been calling Bank of America almost daily to check on the status of things, and yet they still had a reason to move our file to the bottom of their endless pile due to an extremely unrealistic and unobtainable procedure on their end (see timeline beginning May 8, 2009). My husband and I feel hopeless and are trying everything possible to get some help to get this deal done. The seller’s have not been paying their mortgage on this house now for some time, so should we back out, the house will go into foreclosure. This obviously is a bad situation for all involved, especially Bank of America who has a solid, fair market offer (that is almost dead on with the appraisal) on the table for proposed sale of the property.

Listed below is a timeline of the events that have occurred thus far and have not amounted to any progress. We are concerned about missing out on the $8, 000 first time buyer tax credit that had given us incentive to buy in the first place, and about the now climbing interest rates. Being that there doesn’t seem to be an end in sight, we cannot lock in at a rate. We are becoming desperate…we love the property and would hate to have to walk away due to an inadequate, failing system that Bank of America appears to have functioning (or not functioning for that matter).

Timeline:

January 29: Offer accepted by seller

February 20: My husband and I go to contract for the purchase of the property with a sale price of $382, 000 (appraisal came in at $385, 000). Additional 1.5% deposit submitted (for a total of $9, 550) at signing. Contract is sent over to seller’s attorney, who sends along short sale package to Countrywide/Bank of America for approval.

March 3, 2009: Seller's Attorney indicates he was finally able to speak to someone at Countrywide/Bank of America in regards to the approval for the short sale. Unfortunately, he was told that they would not be able to give him an answer until March 19, 2009.

March 23, 2009: Seller's Attorney follows up with Countrywide. They have nothing to report other than that the file was assigned to someone in the short sale department on March 9, 2009, and that they have to give that person 30 days to review the file before we can contact them.

April 9, 2009: 30 day mark for Countrywide’s review process. Seller's Attorney speaks with Countrywide who informs him that we should have some response or information in the next day or two. They asked that he call back again tomorrow.

April 10, 2009: Seller's Attorney contacts Countrywide again and speaks with someone who informs him that they are expediting the matter and bringing it to the attention of a manager because of the length of time it has been in their system. They ask that he call back on Tuesday or Wednesday of the following week, at which time they hope to have assigned a negotiator to discuss the file with him.

April 16, 2009: Seller's Attorney speaks with Countrywide again today and is told that the BPOs have been submitted (they were actually submitted in March) and the next step is to be assigned to a negotiator. Three times in the past 6 days, the 10th, the 14th and the 16th, Countrywide has told the Seller's Attorney that they were "escalating" the matter to get a supervisor to look over the file and make sure a negotiator is assigned and nothing has been done.

April 22, 2009: Seller's Attorney receives call back from Countrywide who informs him they are moving the file along through their system but do not have more to report. They claim to be doing all they can.

May 1, 2009: A negotiator has finally been appointed and the Seller's Attorney was provided with a name and an email address. Countrywide instructed the Attorney that he is not to contact the negotiator for ten (10) business days.

May 5, 2009: Countrywide requests updated documents from Seller's Attorney including a HUD-1 form, latest listing agreement, and seller's expenses from their agent. Deadline given by Countrywide for this updated information is May 13, 2009.

May 8, 2009: Attorney faxes over updated documents (requested on May 5, 2009) to Countrywide, following procedure as they had dictated to him.

May 9, 2009: Countrywide called seller's agent, to arrange the BPO and have house inspected that same day. Two agents came to the property to complete the BPO the following Tuesday (May 12).

May 22, 2009: Seller's Attorney informs us that he spoke with Countrywide and they have declined the short sale and closed out the case because they did not receive the updated documents they requested by deadline. According to Countrywide, they need 7-10 business days to scan the documents into their system (after receiving the fax) and therefore, do not recognize the documents as received until May 18th, even with them having been sent over only 3 days after their initial request, on May 8, 2009. Attorney fights this (being that this procedure was never communicated nor would it have been possible to get them the information on time even if they had provided them the documents on the same day they requested) and they agree to reopen the case and assign us back to the prior negotiator. We cannot call the negotiator for 3-5 business days.

May 29, 2009: Seller's Attorney calls Countrywide (now transitioning over to Bank of America) to follow up with the negotiator in which he is now told that they are assigning the case to a different negotiator and that he cannot call him until Friday, June 5, at the earliest. Countrywide informs him that our file went back to the end of the line and it would be 15 business days since we got back in the line last week. Bank does acknowledge that they have all the appraisals they need and for the first time they asked for the price of the sale and the identity of the buyer.

June 3: Seller's Agent begins calling every day (taking over due to Attorney's frustration with the inadequate service). She is told today at 2pm that the computers are down and they instruct her to call back later. She calls again at 5pm and 7pm and computers are still down.

June 4: Agent calls Bank of America at 9am and computers are still down. She procedds to call every 2 hours throughout the day and they remain down.

June 10: Agent connects with Bank of America and is informed that they have all of the paperwork but they need the sellers to call the home retention representative to give an updated financial statement and fax over their May pay stubs. Once that is done, the file will advance to Phase 2, in which they will process all of the information that they already have (and have requested over the past 5 months). Per Bank of America, the appraisal was already done and came in good. Also per Bank of America, if we continue to call daily, there is a possibility we can get the deal done in a month.

June 11: The Sellers speak to the home retention representative as Bank of America instructed and completed the verbal financial statement with them. May pay stubs were faxed to a woman named Kathy's attention. Kathy confirms receipt.

June 16: Agent speaks with the Bank of America who informs her that they had not yet gotten the May check stubs in the system which were faxed over last week…said it usually takes 7-10 days before its in the system and asked them to fax Junes statement just in case, this way it won't hold up anything else from moving forward (which we did). Bank of America says they are sending the file to the escalator.

June 19: Agent speaks with a representative at Bank of America who informed her they were reviewing the file and would be making a decision and passing along to a negotiator that day (Friday) or Monday.

June 29: Bank of America called agent to request a revised offer agreement so that the numbers match that which is listed on the HUD form.

June 30: Updated documents requested on the 29th were revised and sent over to the bank.

July 7: Agent speaks with Jocelyn at Bank of America. She checks and confirms that all information was received. Jocelyn apologizes for the file taking so long and says she will put in a request to escalate to the negotiator. Agent continues to call daily. Negotiator that was promised by June 22nd (the latest) has still not been assigned.

July 8: Agent speaks with Christine at Bank of America. Christine says there is a new way to escalate to the negotiator and it will take 2 days…by Friday we will have a negotiator. She instructs agent to call again on Friday.

July 10: We have a negotiator, Robert Smith (that can only be contacted via email). Agent emails him and attached all appropriate documents just in case (contract, HUD form, etc).

July 15: Agent speaks to representative with Bank of America who identifies that the file is with the negotiator in Phase 1 (which means he is reviewing the file to make sure all the paperwork is there) and then it will go to a Phase 2 negotiator who does the final approvals. We are informed that the Phase 1 process can take up to 30 business days until it goes to Phase 2 negotiator.

As you can see, we appear to be getting the run-around with Bank of America and are extremely frustrated with the lack of progress this file has made since the signing of the contract back in February 2009. As referenced, the purchase price on this property is at the appraised value, and all paperwork needed is completed in the file. There seems to be no sense of urgency on the bank’s end especially when our efforts have been tireless. The unoccupied property is now unmaintained and we are about ready to walk away from this deal. We thought we would put one last ditch effort in to see if anyone can help to move this forward. We understand Bank of America is extremely backed up but this business practice is completely unacceptable. Should I provide my clients with this lack of service, I would be out of business and out of a job.

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Update by RAugustine
Aug 18, 2009 2:55 pm EDT

It's unbelieveable that we're all in the same boat. Here is the update on the above complaint I originally posted...as you can see, we seem to finally be moving somewhere but I have lost all confidence that this deal will actually happen by the deadline we have now set will all parties involved.

July 15 (part 2): My husband and I drafted an email complaint and sent to upper management at Bank of America (including the CEO and head of their Mortgage Division). Of course we did not receive a response, however, one of those that we emailed forwarded our message along to a Cindy Repreza in the BOA Customer Advocacy Group. Cindy emailed my husband the following "Bank of America understands the urgency of each case and it is our intent to provide our customers with the best possible solutions within the most efficient time frame. Please contact me direct at 1.800.669.2443 extension 3542 to discuss your short sale request." The seller's agent then left an extended message on Cindy’s voicemail hoping she would help. Received no response this day.

July 16: Seller's agent calls Cindy Repreza several times today and finally gets a voicemail back - they continue to plan phone tag for the day.

July 17: No response back from Cindy on the last message the seller's agent left. My husband called and left a follow up message for Cindy today as well as did our agent.

July 20: Our agent speaks with a representative at BOA who confirmed it would be 15 business days from July 9th before our file would be moving to the phase 2 negotiator (not 30 as originally stated). Our agent asked if she could speak to the negotiator and was told that he would contact her if he needed additional info (wouldn't transfer over). We have still not heard back from Cindy.

July 22: Buyer's agent emailed Robert (the negotiator) again this morning to get a status update. My husband also followed up with another email to the same upper management folks as well as Cindy to express our frustration with the lack of response from their "customer advocacy group". Cindy finally returns our calls and apologizes for the length of time it has taken her to get back to us. She stated that she has escalated our file to a VIP negotiator that will be assigned by tomorrow morning. If we do not hear from her tomorrow, we should call her back.

July 23: The most recent negotiator assigned to the case, Robert Smith, emailed the buyer's agent to say that the file had been reviewed. They are in need of 2 pdf documents that should be emailed over to him within 7 business days, the listing agreement and the 3rd party authorization. These are both emailed over the same day. We also receive the contact information for our new "VIP" negotiator, Danielle Parker (assigned to us by the Customer Advocacy Group)

July 28: Buyer's agent emails our new negotiator, Danielle Parker. Danielle calls her back but they miss each other.

July 29: No email or call back from Danielle.

July 30: Buyer's agent emails Danielle again and receives an email back at the end of the day to explain that she had "system problems" and would have an update shortly.

August 3: Our agent called both the short sale dept. and Danielle today in hopes of getting an update being that another week has gone by without any progress. I also called and left a plea message for Danielle as did the Buyer's agent who also sent Danielle another email.

August 4: No Update/response

August 5: I emailed Danielle in morning to ask for an update and confirm she received my voicemail on Monday. We did not hear back by COB so I called Cindy Repreza with the Customer Advocacy Group and logged my complaint. She emailed Danielle and asked her to call me. I received a call within 15 minutes of hanging up from Cindy. She expressed to me that she emailed the buyer's agent last week to let her know new BPOs were needed on the house (this email was never received and I communicated that to her. The only update we had from her was on July 30th in which she stated she was having system problems and would be getting back to us shortly). Danielle apologized and put a rush order on the BPOs (now our 3rd set to be completed on this house because the other 2 are outdated). She informed me that after she receives those reports she needs to rework the numbers and send out her recommendation to Fannie Mae who will then have to approve the short sale.

August 6: My husband and I officially set a deadline (Labor Day'09) for approval on the short sale. We are expecting a baby in December and can no longer risk not having a home come late fall. We emailed our deadline to our agent who in turn forwarded to both attorneys, the seller's agent and Danielle Parker at BOA.

August 7: Two agents complete the BPO’s (via Rush order from BOA) today.

August 10: Seller's agent emailed negotiator to confirm she received BPOs and get a status update. Never heard back

August 11: Seller's agent emails negotiator again…never hears back.

August 12: I leave a message for negotiator due to lack of response. Do not hear back.

August 13: Buyer's agent sends an email to negotiator to follow up. Never hears back.

August 14: I emailed negotiator to follow up on my voicemail from Wednesday - do not hear back. Our agent calls the Customer Advocacy Group again and speaks with Cindy who in turn emails the negotiator to give a status update to our team today by COB. No response received from negotiator following this call.

August 17: Negotiator finally calls seller's agent back and indicates she was out of the office sick and in the hospital most of last week. No one can cover her desk while she is out because they are each assigned specific cases. She was submitting our packet today to the mortgage insurance company who then has 4-5 days to review. Once she receives their approval, she will forward along to Fannie Mae. Negotiator asks that we stop bombarding her with calls/emails and that only the seller's agent contact her moving forward since she is the only one authorized on the account (she seemed annoyed that we keep getting their Customer Advocacy Department involved) and said we were just slowing things up.

August 18: Our attorney sends official note to the seller’s attorney requesting that they refund our deposit come September 7th if we do not have an answer.

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Paul Palmer2
Dixon, US
Oct 03, 2021 1:08 am EDT

yaayayayayyya

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Paul Palmer2
Dixon, US
Oct 03, 2021 1:07 am EDT

For those of you who chose BofA to work with - it's your fault! Never choose BofaA! Or Wells Fargo or Citibank. These are crooks who will screw you every chance they get. Work with a small local bank, or better yet, work with a Credit Union.
For those of you who had no choice in using BofA, pray, pray and pray. Nothing else will work (and this won't work either).
Instead of leaving it on the level of bellyaching, try to figure out what is going on. These banks DO NOT WANT YOU TO BUY HOUSES THAT THEY OWN. They can afford to wait until the market goes up again and sell them for a lot more than you are offering. You can only succeed if you can find a niche where they might want to sell for some special reason.
And for you ignorant fools who think lien is spelled lean, and their is spelled there, I have no sympathy for you. Read over and fix your post before hitting submit.

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reply1987
, US
Aug 18, 2011 3:41 am EDT
Verified customer This comment was posted by a verified customer. Learn more

BOA rep... kinda makes BOA reps sound bad. I have been in the short sale business and I will admit, I have meet some really nasty Agents but I would NEVER let the buyer or the seller down because of it.

Of course, I pick up my phone and ensure they are called and are up to date on everything starting BEFORE the file even really gets to me. As for the nasty agents, especially the ones that actually don't want to attempt to even TRY to work on a file...well... i kind of understand. But again, I wouldn't just sit on a file if there was anything I could do about it.

I have personally been subjected to death threats because they "didnt think they needed a new BPO" well guess what bucko, i am only doing what the investor requires, if you wont get off your behind and let the BPO person in the home, I am OBLIGATED To decline that file. I hate to do it because sometimes there are REALLY good and easily closeable offers on the table, but if I can't get current valuations, I can't negotiate. The same goes for the documents, we need those, they arent a request, they are mandatory.

I busted my butt for a long time because I TRUELY cared and i KNEW these people hit hardships... heck even if they just wanted to get out of a home that was devalued by 100k, I can understand that too... But, a lot of you are blaming the bank that serviced the loan and not even questioning your agent.

I would... my old bank would send letters as to why we declined files IE: no communication or docs within X amount of days. Just because your agent SAID they sent them... I can almost guarantee they didn't. They all are guaranteed 6% commission on these loans. My favorite line to any realtor that got nasty with me was, look, you are making (average) 8k on this deal, i'm making 30 dollars ... if you want it to happen you MAKE it happen by working with me and getting the things I need... otherwise, I cannot do my job and get a deal for the buyers.

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gracimar
Allentown, US
Apr 04, 2011 11:11 pm EDT

We placed on offer on short sale in PA 1st week of February its April and still no answer. Seller accepted our offer within 1 day of offer, contract was sent to BOA, receipt of contract was noted and a negotiator was assinged, one week later apprisal was done, since then no progress all we get is we are working on your file, 1st negotiater stopped answering her calls or email, realtor contacted her manager was told she no longer works there and was assigned another negotiator she actually answered all her calls and emails until she was confronted with the progress she replied and stated offer was under review, and the appraisal had just been uploaded to system two weeks after initial day of appraisal, now that appraisal was being evaluated and compared to payoff amount, never heard from her since, finally I had read a posting here that one buyer or realtor actually went as far as sending a letter of complaint to the VP of BOA, did that last week, received numerous call that our file was escalated to a senior management negotiator, then was called again telling our realtor that the head of short sales was taking over file to speed up the process due to my recent email, its been a week and no answer yet. Frustation setting should we move on? Fortuantely our home sold the very first day we should it but now closing day is getting near and we dont have an answer from BOA. All we want is a yes or no so that we can move on. Although we really like the home we are trying to buy, the headches from this long standing process that seems to give you the run around is tempting us to move on and look elsewhere. Help with any advise please. Thanks and good luck to all.

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Robyn Squrie
Chicago, US
Mar 29, 2011 10:26 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I am a Realtor in Chicago, 3 contracts on one property Bank of America 2Nd Lean holder
2/28/11 sitting at the closing table with a verbal that we are getting a letter from Bank of America stating they approved the short sale after waiting the previous week for the letter seeing they said there should not be a problem to close on 2/28. Let me tell you we heard nothing, no one answers the phone calls back nor responds to you, long and short buyer walks. The week after we put it back on the market we got another contract, do you know we are still waiting for the approval letter today since 2/28.
Sheriff Sale in 2 days they need then investors approval, I hope they go down and go down big Watch out for Bank of America properties and loans

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Mike Stott
St. Petersburg, US
Feb 24, 2011 10:07 pm EST

I have done dozens of short sales with BOA. Before the Equator system, they were a mess. With Equator, I actually do not have as much an issue. They are still slow but at least there is a methodology with their process. Lenders such as Suntrust, IBM LBPS and Flagstar are a different story, in my opinion. However, I do have a unique advantage to most of my real estate agent brethern, I am a CPA and a former Loss Mitigation Negotiator (nka M&T Bank). Most listing agents were not prepared for this market. To make matters worse, only two methods of short sales are being taught by the local boards and/or brokerage firms: traditional (listing agent) or HAFA. I negotiate as a BUYERS agent, not listing agent, a method approved by the Florida Association of Realtors. My success rate is in the low 90% range, far better than the national average of 23 to 25% (per USA Today). I do not do HAFA. The fact that only 661 shorts closed through HAFA in 2010 through the whole US of A should tell you why. HAFA is a mess. If any agent or seller wants me to negotiate their file, please contact me to discuss. I can provide proof of a recent closed transcation (BOA approval letter, signed HUD and borrower's final mortgage billing) where the borrower received full deficiency waiver. He has great credit, never missed a payment before approval and has a good job as a CFO. Thanks. Mike Stott www.BanksAcceptLess.com P.S. I can negotiate all 50 states.

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cucucu
Naples, US
Dec 07, 2010 7:56 pm EST

I'm a realtor and i'm having same problems. I think this "Negotiators" don't really care about the prosses and i'm sure that the investor that is behind all this files doesn't really know about the bad service from this people. Meanwhile the sellers that are trying to solve their nighmare are suffering due to all this lack of... I'm so upset with that bank of america.

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boa rep
Bluff City, US
Nov 26, 2010 12:45 pm EST

This is directed at homeowners who own a home worth more 100k and who are whining about BOA when they haven't made a payment in over two to three years. You should be grateful that there is a way you can get out of having to pay the money back. I am sure if someone borrowed money off of you, you would want every dime of it back, but get upset when the bank is trying to cut their loss as much as possible.

To any homeowner trying to do a short sale. Be careful about the real estate agent you select. Most sales fall to the wayside because of incompetent REAs. I cannot tell you of the times I have had to sit and walk some idiot that is supposed to be an REA through the ss process. Then when you see how much they are getting in commission for the sale, it is enough to make your blood boil. Oh and make sure your REA knows how to spell and write.

Another thing to be on the lookout for in a REA is attitude. Some REAs call with an attitude that will get them nowhere with CSRs. Sometimes there are things we can do to move a file faster, but is not a requirement. I had an agent call me one time and spoke to me really bad. Little did he know I was laughing at him for being a [censor]ic piece of dung, and I did nothing for his file even though I could have.

Then you have the agents who are so nice they make you want to help in any way possible. Those are the files that get closed. The files that get closed are handled by REAs who have taken the time to educate themselves on the way BOA handles ss. They sign up for the newsletters and websites and attend the webinars.

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lightwaight
Marietta, US
Sep 28, 2010 2:23 pm EDT

I agree with what everyone has said. I just went through the same thing. Had a contract in early April. My buyers just walked because of B of A. B of A knew that the borrowers were going to walk if they didn't close the short sale by the time the tax credit ran out and they didn't care!

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BoA needs to fail
, US
Aug 31, 2010 2:05 am EDT
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The same here. We have been trying to buy a short sale through BoA for more than 5 months (almost 6) and this has been the most frustrating experience I have ever had. It seems they don't WANT to sell the property yet it's listed on the market. Endless delays and frustrations. Of course, if BANK OF AMERICA wanted some paperwork, well you just better hop to it or they will kick the deal to the curb. Of course, they don't mind a bit never responding to any emails or calls. I have had it with BoA. Personally, we are moving onto other homes and if I find BoA holds the note I will be walking. Can't believe this crap is legal. If the laws protect these pirates, the only recourse we have is a total boycott of Bank of America and any of their interests.

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Bank of America incredibly bad service

Been with BofA for 11 years. At the time of this complaint I have decent credit, a BofA Platinum card, and the means to cancel them immediately. I told them of a scam I had been involved in and they demanded payment for the scam without researching anything. After telling them it would be returned on my card shortly, they still demanded payment, but the worst part is, the payment was only $15.

I demanded to speak to a supervisor and she was equally as unpleasant. Her management skills were to make the customer feel defensive. She attacked me for not paying a bill I did not know I had (luckily I logged in to find out I was scammed). She lambasted me for being, get this, 3 days late. I, in turn, told her she just lost another Platinum card customer. I'd rather put my money in a pillow case.

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Douglas Madden
Honolulu, US
Jun 03, 2016 8:23 am EDT
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After a number of extra payments were incorrectly posted as scheduled payments, I was advised by the bank to send payments to specifically a payment processing center, which I did. Payments were still often posted incorrectly even in spite of printing and yellow-highlighting "Principal Only" in three different places on the checks. The latest payment was returned by USPS because "forward time expired." Since forwarding time typically expires after one year, it's difficult to understand why Bank of America didn't find the time and a bit of courtesy to send a change of address notice.

The problem is most likely caused by machine handling of mailed payments. But it would be so easy for any bank to specify a different PO box for extra or additional payments to separate them from regular payments that blaming machines is simply an excuse for poor service.

I've suggested selling the mortgage to a competent lender, but of course that's not one of the bank's form responses.

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j.e.jones
San Bernardino, US
Dec 28, 2009 8:38 pm EST

Bank of America, worst bank ever. My landlord gave me his checking account number, so I could make a deposit in his account. The bank teller requested my I.D. before she allowed me to make the deposit. I ask, why do I need to show my I.D., to make a deposit? Teller replied, to protect the customer. I ask, how is showing I.D. before depositing cash in your customer account, protecting him? She replied again, to protect the customer. I guess common sense is not common at Bank of America.

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Bank of America credit card cancellations

After receiving $43 Billion of "We the Peoples Money" Bank of America cancelled all of my charge cards.
I had been a customer for 18 years with FICA score of 793.
I had 9 cards with BOA, they kept raising limits - without any intervention on my part.
All my cards had credit balances and I never used them much.
Here is my story:
History:
Monday - receive in mail balance transfer checks.
Tuesday - receive change in card holder agreement.
Thursday left for work 370 miles from home with a $139.00 credit on my BOA - Alaska Sky Miles card at 9.9% $21, 000.00 limit.
Friday - Attempt to buy Americano at Starbucks. "Card declined"

Called BOA - 3 hours later informed all accounts had been cancelled and I had been notified.
BOA mailed notification on Thursday - this was Friday morning.

I was stranded in Spokane with no ability to purchase diesel, food, or even check out of the hotel.
The hotel had pre-approval from Thursday evening from BOA when I checked in.
BOA Representative - stated
"Sorry - you have been a great loyal customer" - "But, we no longer value your business".

When I ask how could they do this, and how was I supposed to get home.
She suggested I call work or family members and ask them to wire money to me.

And that is what ya do with $43 billion of our money,
18 years of credit association - three houses, 5 cars, 2 boats, etc later.
I have since received the $489.00 credit balance refund via check.

I will never bank with them again - and I suggest everyone in the USA - do so as well.

Bank of Ameria is not an American company for Americans any longer.

They cancelled $78, 000.00 of my well earned credit.
The highest interest rate I had on any of the cards was 9.9% (obviously bad).

Newest BOA (Boa Constrictor) hater !
I have reported them to the BBB and I have written my congressman and the White House about this.
Everyone should do the same.

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calcasieu
Leesville, US
Oct 27, 2009 4:56 pm EDT

I have had several Bank of America Credit Cards for years and have never been late on a payment. Two of the cards were at a $0 balance, and Bank of America cancelled them. When I contacted them, the young man was beyond rude. He kept telling me that I owed too much money, and they were only keeping me from getting further in debt. This company knows absolutely nothing about my assets, yet they are "helping" me by cancelling my cards. This move will probably hurt my credit score, because your score is based on debt vs available credit.

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Bring down B of A
, US
Dec 20, 2009 4:22 pm EST

I totally agree that B of A is the absolute worst bank I have done business with. I had a $45 million company and as a private consumer that don't give a crap about you. Please everyone, write your congressmen, senators and the president. I would love to bring Bank of America down and get back my money that helped to bail them out!

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Bank of America service fees?

This bank is really going down hill. The past year after starting my account with this bank they seem to be charging service fees. Just four months ago they took out 25 dollars for my Campus Student Checking Account? I asked the representative what the charge was for and she said it was a fee to keep the account open? On their Brochure it says free checking/savings no charges. I told the representative named Sarah about the Brochure saying "Free and No Charges" and she said Oooh, she looked blank at first than she said she would see about getting it back on the account. That is a lie, three weeks after that the fee was never returned! Anyways just one week ago they charged me 28.00 service fee. I was like WTF. My other bank I had banked with for four years never charged service fee, only they charged me when I took money out of the ATM. I finally had enough of BofA and closed my savings and checking account with this bank. I took my $2, 340 out and put it back in my other bank which is CCCU which is a way better than Bank of America. Sorry Bank of America but something definately is wrong with either your system your running or your lying to your customers in order to sign them up. If you like being charged fees to have money in your account go with Bank of America, if you don't like seeing fees on your banking statement go to a bank where they really offer "FREE CHECKING & SAVINGS."

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ArcaneWing
Burke, US
Mar 28, 2011 8:12 am EDT

Sorry to hear that.

I've had a CampusEdge account with BOA for two years now. (Guess that one is different from yours) and I have never been charged a service fee.

I know they charge a fee for savings accounts unless you keep like $300 or so in it.

I am not a BOA employee, I am a sophomore at Radford University studying Computer Science and Networking.

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3:47 pm EDT
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Bank of America frooze my account

B of A froze my only bank account after somebody complained that I fraudulently transferred money from their account it took me 2 days before I could unfreeze it with the help of Los angel’s DA's office after they gave her the run around. Apparently this individual had made a similar accusation in may and they had frozen my account which I was not ware of until now and investigated it and saw nothing wrong on my part, they never had the courtesy to notify me about this false accusation and the same individual made the same accusation again and they froze my accent again this time was in need of money from my bank and found out about it immediately the bank would not tell me why or the reason for 2 days until the day got involved.. They put me through hell for 2 days and my branch manager who threw me out...not able to help a loyal customer for 18 years.
No body apologized to me until I called them demanding an apology

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Joseph M Friedlander
Hamilton, US
Apr 11, 2010 1:15 pm EDT

I need to hear from you now.

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Joseph M Friedlander
Hamilton, US
Apr 11, 2010 1:12 pm EDT

Please correct it.

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Joseph M Friedlander
Hamilton, US
Apr 11, 2010 1:10 pm EDT

you E-mailed me on 4/8/2010 informing me that due to the number of incorrect login attempts my account has been locked for security. Please reply and correct.

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12:33 pm EDT
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Bank of America unauthorized transaction keep showing up

After four months and countless phone calls and emails to cancel an unauthorized charge; Bank of America still keeps mistakenly drafting $15 dollars from my business account!

It started out of the blue in April I notice a strange charge on my account for “Online Business Suite Account Management Services”, a charge I did not authorize. I spent 45 minutes on the phone with BOA and finally got a representative to remove the charge and then they had the gall to try and sell me more services I didn’t want. They said the will remove the unauthorized subscription to the “Online Business Suite Account Management Services” and credit my account for the $15. They said I will not be charged for it in the future. The next month (May) rolled around and it happened again! Same thing, spent an hour plus sending emails and calling just to get them to remove this charge and service from my account. June came, same thing again, this time I demanded through emails that they get this problem in front of a manager, because I didn’t want to have this happen every month. I sent about 8 emails total, each time they sent a form letter back and each time I asked if they even read the emails. Every reply keep saying they credited me for the $15 charge and that we were removed from that service. Each time I said this keeps happening and I don’t want to keep going through this, that this was the 3rd month in a row and it keeps happening and to please explain how they will make sure this does not happen again and to get this email to a manager. It was to deaf ears! It happened again this month of July!

I’m so feed up with this and Bank of America could care less! It seems like a scam! Automatically enrolling someone over and over again as if they hope unaware victims will let it slide so Bank of America can make some extra money! I know first hand and my friends do to, how Bank of America is so greedy. BOA orders the largest to the smallest charges on an account when an overdraft happens with in the same day so BOA unfairly makes a lot more money on fees. My friend was only around $10 short one day, but since BOA unfairly stacks the cards against their customers he was charged $175 for 5 overdrafts! If they ordered it from the smallest charge to the largest only the largest charge would have been over-drafted and he would only have had one single $35 fee! I won’t even get started to BOA’s “keep the change” scam like program. It’s the greed of large financial corporations that has gotten this world into this huge financial crisis. When are they going to learn that it’s unhealthy to treat their customers the way they do? Only when large corporations don’t have the power of a monopoly and we have more choices! The customers and citizens loose while the CEOs win! Too big to fail? NO, too big fails!

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DSalsbury
, US
Apr 12, 2011 5:05 am EDT
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They scammed us too, in spite of their online form where we cancelled the service that we never signed up for. We also called the number they gave and left a message to cancel.

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Marie Marie 12345
Clearwater, US
Nov 21, 2009 7:45 am EST

BOA is scamming me to right now! I had a miscellaneous withdrawal from an ATM card in a different county. I deposited money an hour after the withdrawal took place. I was at home with my bank card when the transaction took place. It took place 45 minutes from where I lived. The investigator decided that the card pattern did not show any signs of an error because I made a deposit with the same card. I am still fighting with BOA about this. I have never used my card out of the county I live in and that is a fact. They are putting another investigator on the case. It sounds to me like I will lose this money. Did this happen to anyone else?

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Bank of America have not refunded my funds for services not rendered

Bank of America took over Countrywide Home Loan Services Division and there has been nothing but Chaos! Bank of America cashed a check for appraisal service, the only problem, Bank of America has never completed an appraisal or even ordered an appraisal. I have been informed by the people who would speak to me that the $425.00 will be returned in about two weeks, its been almost 2 1/2 months now and I'm still receiving the run-a-round.

I did not know that a large company like Bank of America could steal your money, talk to you crazy, respond with bad English and block your calls when you call. Based on this bad treatment, I will never use Bank of America services, affiliate services or partner services.

I knew I should have continued all my banking services with Guaranty Bank! Someone, please help! Bank of America is worst than "Girls Gone Wild", its "Bank Gone Wild" in High Def.

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MarianL
Reno, US
Sep 23, 2010 4:59 pm EDT
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Bank of America and its President, Brian T. Moynihan, and one Robert Flores who says he's "from the Office of the President, Bank of America" are arrogant [censor]s totally out of touch with the rest of us Americans. Case in latest point is that I go to my local Senator's office for help under this HAMP, BUT the arroganr [censor]s, Brian T. Moynihan, and Robert Flores, leave me a telephone number I have to pay to call them at. [protected]. Zero customer service. Zero brains from Bank of America's Brian T. Moynihan, and Robert Flores. Bank of America takes billions of dollars from each and every one of us taxpayers but won't have an 800 number in Bank of America's President's Office to handle these loan mods coming in from the Congressional offices or even their customers. If I could afford long distance, you arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores, I wouldn't be trying to get this legally required loan modification from Bank of America now would I?!? No wonder we tax payers had to bail Bank of America out!

What arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores Need Is Customer Service. Businesses must promise long and deliver short to their customers. They must keep all commitments made to the customer. Never lie to the customer. Never give conflicting stories to the customer. Never give a customer the run-around. Always remember that the customer is always right. Put a mirror in front of you if you answer the phones. Put a smile on your face when answering the phones. HAVE and GIVE to your customers an 800 number you arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores.

Arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores, apologize for having a customer wait. Remember that escalatory language always breeds more escalatory language. Arrogant totally out-of-touch [censor]s Bank of America's Brian T. Moynihan and Robert Flores, without the customer, there is no business. Without a business, there is no job for an employee. Not the most difficult sell for most people. No wonder we taxpayers had to bail Bank of America out!

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Bank of America card blocking

My family and I went to destin florida for 4th of july weekend when arriving there I called bank of america to let them know that I would be using the debit card, they ask me for my fin, I had not memorise the number, I was informed based on that my account could not be accessed, this was the first time during a travel I was ever ask that question. I pleaded with customer service that my call was to inform them that my card was not stolen and please do not put a block on my card, ask me a question a person on the road can give answers too. My card was blocked emediatey. The next day 4th july I talked to customer service for cards stolen the only people working, that my card was a business card and they were closed. My family and I sleep in my car fri, sat. Night, not having funds to pay for a place to stay, my daughter an I have suffered sever sunburn because of this, my hope is that skin cancer does not result from this event.

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VegasDealer
Las Vegas, US
Jul 06, 2009 9:29 pm EDT
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Why did you need to call your bank and let them know you were going to use your Debit Card? If this was a "Business" account why didn't you use your personal debit card, or better yet why are you using a "Business" Account for personal expenses?

So anyways you call up and since you couldn't prove who you were they blocked the card. I bet you would be singing another tune if your card was stolen and a thief did the exact same thing and they didn't block your card.

As suggested above since you drove there, why did you not just go home instead of sleeping in your car for 2 nights. But even with that you obviously had enough money to pay for food and gas, but not enough to buy sun-screen(or why didn't you pack it)? Sorry something about this whole story just does not jive.

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.

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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.

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Bank of America In-depth Review

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

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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.

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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.

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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

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