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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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8:09 am EDT
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Bank of America Unauthorized charges

Countywide Auto movers is a ripoff. They were suppose to pick up a car for me on 3-11-09 thru 3-13-09 I called them on 3-13 to see what time they were picking the car up, They told me they would call me back to let me know. They never called me at all. On 3-16-09 I called them back they told me they did not have a driver for New York but if I wanted to pay an extra $100 they would find a driver I said no way just cancel my order and take the charge off my credit card. It has now been 1 week later and they are still giving me the run around. Be ware of this company.

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9:28 am EDT
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Bank of America Appraisal and Application Fee

Countrywide holds my current mortgage. Because of a balloon payment in 2010, and with the low interest rates, we decided to refinance. We looked at several banks and mortgage companies, and decided to go with Countrywide, because their good faith estimate looked the best, and we thought it would be nice to stay with the company. I paid them a $435 loan processing fee. A month went by, we had the appraisal, which looked "great". The day it was to be processed, I received a call saying that the appraisal came in low, and that our closing costs would increase by $1700 and .5 points. I decided to not have them process my loan, but, they would not refund my $435.00.
I then received a copy of the appraisal, which they could not find anything close to the 4.35 acres which our house sits on in Bothell, Wa.
The comps used were 1 acre parcels in the area, and they use some sort of conversion for a single family dwelling.
I asked to pay for a second appraisal and was denied.
Looking back, I noticed there was no market value of our home on the good faith estimate.
I feel this is done so that Countrywide can get you to give them money for the application fee, based on numbers that are incorrect. Then at closing make up for it by telling you the appraisal came in low to make the loan to value ratio in their favor, so they can add extra points and closing costs, that were should of been up front in the first place.

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10:35 am EDT
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Bank of America bank that robs people

I recently ran across a class action that customers can get back $78.00 from bank of america for overdraft fees (smartmoney.com is site to claim that money back) to me thats sincerely unfair when they stole over $4000.00 from me in overdraft fees with overdraft protection on both the checking and savings account that linked them together not to mention I had more money going in than I had coming out. (direct deposit of pay).

One of the saddest part of this story is that the BANK MANAGER in Rincon Georgia was the one that opened my accounts.

I know if your reading this your probably asking how, the problem I had was I worked 15 plus hours a day in retail management being a single mom with three kids to support I was busy even if I did manage to get a few hours off work.

I knew I had plenty of money in my accounts never suspecting there was a problem. THE BIGGEST MISTAKE OF MY LIFE not to mention an extremely costly one!

I got off work decided to take the kids out to dinner we went to our favorite restaurant order and ate it up I give her my bank card to pay low and behold I'm declined not only was that humiliating but I knew it couldn't be possible whatsoever. To make matters worse we have to sit there impatient and degraded while a friend of mine comes to pay for our meal. Of course my kids are young with no understanding their complaining about being broke of course loud enough for others to overhear. Me well I just wanted someone(s) head on a platter!

The minute I get home I signed onto my bank of america account. Omg my night has went from the worst to terrifying it showed I was hundreds in the hole and they were receiving my paycheck at mid-night to STEAL even more. I went back on my account before getting so heated about their overdraft fees to which I had overdraft protection (remember set up by the rincon bank of america manager herself!)..

I went straight to the bank the next morning waiting on them to open the doors and let me in I met with the bank of america manager herself told her we had a serious problem she reviews it looks across me at the desk and says 'well I can't do anything about it, you should have been keeping better track of your money! Its too late.' (yet to me I believed I was paying them to protect my money not STEAL from a single mother of three) I almost beat her and at this time it was a rough estimate of $1700.00 because the computer only went back so far.

Low and behold I had to pay to get the paper records I closed the account took out the few dollars I had left and waited for the paper records to arrive via mail. At the time I didn't trust any bank to hold my money because of what bank of america done to me after years of having my money. And NEVER during those years that they had my money DID I EVER not have money to cover what I was spending.

Even though the accounts were linked the checking was staying negative while my savings was being STOLEN to cover fees I never should have had to pay to begin with. When I finally received the papers I went through them to discover it was over $4000.00!

I went straight back to the bank still was denied. Called the corporate offices and the only message I ever get is someone will contact you that call NEVER comes.

Something seriously needs to be done against bank of america I CAN NOT afford to be taken for that amount of money it is all me and my kids have I do not get welfare or child support. I worked damn hard for that money and never once suspected that they were crooks..

Needless to say I had to have a bank account because of what bank of america did it put us in a huge financial state I needed faster access to my paycheck. So I go to a different bank (of course) to open an account only to find out that bank of america put me in a record to deny other banks to do business with me. All to cover up what they stole from me they've now taken to making me look bad.

To top it all off they had the audacity to send me a bill saying I owe them even more money my god over $4000.00 wasn't enough for them! I sincerely can't believe this happened but if your thinking about opening a bank of America account please think twice unless you have excess thousands to throw away (if thats the case drive down the road and toss it out the window at least then you'll know how much your giving away and not having stolen from you.)

If you currently have an account with them I urge you to track every penny!

If anyone that has had success in gaining their money back from them please respond here me and my kids can't afford this..Please help desperate!

And if by chance corporate people from bank of America read this I sincerely hope you have a heart and look into what you have done wrong if not well what goes around comes around and you will have to answer for it on judgment day!

If anyone knows of legal action it would be greatly appreciated!

I HAVE ALL OF THE PAPERWORK TO BACK-UP EVERY ALLEGATION I HAVE MADE HERE AGAINST BANK OF AMERICA.

Also I would like to thank [redacted] for their site I recently ran across it when I was checking into another business and I think it is terrific that you can go to one place to state what you know about a company. I was actually going to invest in a company until I seen those reports, your site saved me from making a big mistake. Believe me when I say BANK OF AMERICA WAS ENOUGH!

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jonyboy
, US
Jul 24, 2009 4:25 pm EDT

BANK OF AMERIC ASUCK DONT EVER OPEN AN ACCOUNT WITH THEM!

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8:18 pm EDT
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Bank of America checking account diductions

Hi,

Recently I was going through my checking account deductions and I came accross a few transactions like below.

CHECKCARD 0217 PAY-GMVBILL.COM [protected] 74282649050000000042173

I really dont have any clue about this and I need my money back. Please help me in finding out this fraud.

Thanks,
Nikhil

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j hanron
Roseville, US
Mar 24, 2009 2:43 am EDT

the 888 number is a phone number to call to what it is.

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12:19 pm EDT
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Bank of America refinance/stimulus 2009

Countrywide is the worst financial institution in the United States. It is not surprising they have been a part of scandal. Countrywide is the Mortgage Company I pay, and can you believe that I spoke to 4 different people and got 4 different responses. I called inquiring about a lower interest rate and/or a program I may qualify to lower my 7.9% interest rate on my $127, 000 home loan that is now valued at $100, 000 dollars. I hadn't missed a payment and wanted to know would I be eligible for a lower interest rate. The first person was very encouraging told me to wait a few weeks when more information was available; she told me someone would call me. She gave me a reference number and all. However, no one got in touch with me after 2 weeks so I called them back. The next person sounded like a broken recording. She kept repeating the same old thing to me after asking her different questions about how I would qualify for a lower interest rate. (The same questions the first representative so eagerly responded to). Needless to say, she ended up telling me I don’t qualify for anything because my investor was not Fannie Mae or Freddie Mac. She told me that I would have to apply and qualify for a regular refinance option that would increase my already over priced home. The 3rd person told me that I needed to be delinquent before I could qualify for the new government programs. Yes! She told me I paid my mortgage on time; I don’t qualify for lower interest rates. What a first pay on time and be penalized? I was amazed that she said it out her mouth, not surprised though, Countrywide again are like robot recorders, I'm sure someone said that to her and like a recording she repeated it. However, I spoke with a manager "Mark" told me he’s going to get right on my case. Said someone would call me first thing in the morning. Found out two days later he lied! Lied about his name, no Mark work there and obviously I never got a call. I called back again. This time it started all over again I would have to apply for and qualify for a regular refinancing costing me 4 to 5 thousand more dollars onto my already over priced house! The housing market may be bad, but Countrywide’s customer service is 100 times worst! My neighbor is using Wells Fargo and she’s not only had a much better response she got a lower interest rate!

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thick
new york, US
Mar 31, 2009 11:14 am EDT

I'm in the same boat - read this post!

http://answers.yahoo.com/question/index;_ylt=AhXq2RozhlicgTMcDb0ESFojzKIX;_ylv=3?qid=20090331090725AAKzxrY

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1:06 pm EDT
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Bank of America Fraud and scam

Last September of 2008 i applied for a refinance of my home after putting improvements to the tune of over $ 45, 000. New roof, siding, all windows, landscaping, interior renovations many things. Thing new company not country wide. Calls me and informs me that i need to stop making house payments as the loan is approved and will go through.. So i do this the the day my payment is due they call me and say make the payment because so delays came up so my wife gets online and makes the payment on a friday afternoon. Countrywide does not post it until the following monday making it show as late payment!

New finance company calls several days later to close the loan and we all get on the phone in a conference call myself, countrywide and new finance company.. Countrywide says i have two late payments on record and new company says that is one too many so the whole thing is canceled and i am left out in the cold..

This would have reduced my payments by over $450.00 a month and taken this insane mortgage insurance off the loan also you know the one that i have to pay the premium costs but countrywide gets the money payoff from if i default on the loan and im left without a house even though im paying the insurance policy!

Racketeering is what that crap used to be called now its perfectly legal !

So im stuck with an $1800.00 a month payment and my income has been reduced to 2500.00 and below. my employer has laid me off for the winter and my wife is ill and cannot work i have a mentally handicapped son and debt coming out of my ears with no end in site and everywhere i turn all i get is sorry and it could be worse... Well so much for the government bail out ! what a ripoff joke our government is ! and that is the popular opinion of the masses!

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2:16 pm EDT
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Bank of America poor customer service

Bank of america - cambrian branch

Today I went to b of a cambrian branch, san jose, ca, to get travelers checks I need for my vacation.

I stood in two lines only to be told the bank did not have travelers checks except for 1k amount.?

The rest were on route?

This is very poor service.

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dawn
,
Oct 30, 2008 1:16 pm EDT

I had an experience today at Bank of America that I will never forget. The embarrassment and humiliation is completely uncalled for! I DO NOT hold an account with Bank of America so I suck it up and pay their 6.00 fee for cashing my payroll check. When I arrived there was 1 person in line. I, on the other hand had to stand in a different line for non account holders. Well, let me tell you, I was in line for 15 minutes. As people were coming in and out of the bank I just stood there like a dummy. At least thats how I felt. They refused to wait on me. I finally piped up and asked if there was anyone there to assist non account holders. They never even looked at me. Just completely ignored me. A woman from the back came out and stated that their account holders come first and I will not be waited on until the bank is cleared. As people keep walking in. I mean, honestly, have you ever been in a bank that was empty. Heres the kicker...they then asked me if I wanted to open an account. Are you kidding me? You just treated me as if I was the lowest ### on the face of the earth and you ask me if I want an account? Why on earth would anybody want to open an account after being treated like that is beyond me. I will be letting my boss know about their behavior and demand that he close his accounts. I am sure he would not like his employees treated this way by his own bank.

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Nsbrown76
, US
May 26, 2010 3:30 pm EDT

I am canceling my mortgage application with BOA. I am bewildered. I am not sure who to blame for the lack of response and communication concerning this loan. I went with BOA because I expected great communication and service. Before I applied, I ask Colleen Mitchell (loan officer) a question...Will my loan be approved and ready for closing by 5/14/10. This was in February. She said that it would not be a problem.

A week and some days had gone by and there was no response. I called and left messages. No response until the end of that week. She says that she needs the contract before she can start on anything, even though I had sent my information to her. Why did she not tell my Realtor and I this? My Realtor sent her the information. Guess what? My information is still not submitted/inputted into the system. Finally Sheila Melendez (her assistant) did it. Thank God for that.

I am still calling and emailing Colleen only to find out through another person that she no longer works for BOA. There goes another week. After a while I was contacted by Zoila with information that I needed to send/fax. I did just that by the end of the day (I thought). If I forgot to send something or I forgot to sign a letter, just pick up the phone and tell me or send an email saying...Hey, I got the letter but it is not signed. That is simple.

I feel as if I am so alone on this deal. I am trying to make it work but I am in a tunnel listening to my echo. I know that they are busy and have other loans to process. I know that my loan is not much money ($19, 200) at all compared to other home loans. I know that some things are probably out of their hands. But communicate with me. If I send an email, it is OK and your responsibility to respond or get someone to do so.

I have been down this road before with the other closing that I completely gave up on that took 5 months to close. I can not go through this again. I thought that by coming to BOA their processes would be more efficient and the communication would be better. I have been a customer with them since 1999 and I will say that I am saddened at the way this has turned out.

I have given the documents that you requested "online" quickly and orderly. I know that most people do not do what I have done. Does BOA realize that the news has published that you are the worst bank in the country for customer service? You had an opportunity to prove them wrong...with me. Do not think that this is easy for me.

I am loosing $1340 of my hard earned money. You have taken $535 for an appraisal and $35 for a credit report from me (upfront). I had to pay $300 for a survey and my $500 earnest money is gone also. That hurts.

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nitro169
Zebulon, US
Oct 12, 2010 1:42 pm EDT

I wanted to contact BOA in reference to a loan this morning at 8AM.

After waiting on hold and being transferred several times I was redirected to a different phone number where they would be able to help me.

8:50 I called the new number and waited on hold for only 10 minutes but then was quickly dismissed to an entirely different phone number where they assured me they would be able to help me now.

915 After a short hold I was greeted by a friendly BOA employee who was quite frustrated and said "I don't know why they gave you this number" and I finally was given the correct number

9:00 I called the number and was told by the recording they would assist me as soon as possible. I waited and about 15 minutes later the music went away, I just sat there for 2 minutes, then I started saying "HELLO" a couple of clicks and I get this young girl barley able to speak she is laughing so hard, I explain why I'm calling and she promptly transfers me to customer service. 9:20 A gentleman in customer service allows me to explain my loan request and then says "Here, Let me give you this number” I am getting upset now! I let him know how upsetting this has been and how unprofessional the gal was who transferred me to him, he apologized and said this number he is giving me is the correct number, this will go directly to the loan officers that will help me. I say thank you and apologize for venting on him.

9:45 I call the new number directly the loan officers and I am immediately put on hold, "please stay on the line, we will return to assist you as soon as possible” It changes back and forth between "please stay on the line, we will return to assist you momentarily"

It is currently 11:30 and I am still WAITING! The music and recordings continue...

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goan not loan
Houston, US
Nov 05, 2009 5:59 pm EST

Bank of America is not professional about handling their "making home affordable plan", I have applied twice and no answer. I may be on the streets if I don't come up with 9000.00. I am a disabled veteran and this is the thanks I get for serving my country.

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Tommie1
Tulsa, US
Nov 05, 2009 5:52 pm EST

I have a home loan with Countrywide, who have now consolidated with Bank of America. Bank of America has absolutely the worst Customer Service that I have seen in my lifetime. (and I have seen some bad service.) I took TWO days before someone at Bank of America gave me the right phone number just to get a simple question answered about my home loan insurance. I was transfered soo many times and I was repeatedly given the wrong numbers to the area that I needed. I don't know how that they stay in business with that kind of awful service. If anybody is looking to get a home loan, I will advise you not to go through Bank of America. You will be sorry. They want you to make your payments every month on time, but when you need them, you will get nothing but the run around!

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Julie F.
, US
Aug 26, 2009 10:28 am EDT

Bank of America's lending practices have become ridiculous. Not only do they not return phone calls or emails, they have no respect for closing dates and have caused me to lose my deposit of $12, 000.00 but not closing according to the real estate contract. They were rude and I will never, ever, ever do business with them again.

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anonymous
,
Oct 30, 2008 1:26 pm EDT

omg! i totally understand you. Bank of America is the worst. I have 2 children under 2. I went to the drive thru window to cash my payroll check which is drawn from BOA. I figure drive the xtra mile so i dont have to lug 2 kids int he rain, rather then goin to my regualr check casher. I was told that i would have to go into the bank. I explained i have 2 kids and its pouring outside, she didnt care much. I know its not the teller's fault. But she did have the nerve to ask if i wanted to open an account also. UNREAL. I hope that god awful place goes under. How do u expect to pull customers with awful customer service.? I have told everyone i know about my experience with them, and most have had similar issues, a few deal with them or shall i say dealt with them as a bank but no longer do, due to unusally high fee's and aggrivation.

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Bank of America SCAMS

I have been faced with financial hardship and fell behind on my house payments. On January 1, 2009 I received a certified letter from Countrywide stating that they understood that I was going through a difficult time and with the HOPE team they were going to refinance my home, making me current on my back payments as well as lower my monthly payment from 1580 to 1240. The letter stated that I needed to have it signed and notarized and to return it in the pre certified envelope enclosed by Jan 27, 2009. Effective Feb 1, 2009 I would restart on a clean slate. I did as instructed. Sent the letter of on Jan 15, 2009. Feb 11, 2009 I was informed that my home was going into foreclosure. When I spoke with the representative at countrywide I was told that they never received my signed letter. The envelope that was provided only had one address on it in the sender section and the return to sender section which was COUNTRYWIDE. So how in the world did that letter just disappear? I informed the representative that the letter was returned. She informed me that because they have no record of it I no longer qualified for the HOPE team modification. HOW CONVIENENT! So now, they are not willing to work with me at all. They want me to pay back all the late payments at once. 6500.00 or my house will go into foreclosure. I asked them to help me. I was instructed to get a second job to make my payments.

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Bank of America Fraud and scam

I have been in a workout status off and on since Nov.2008. I first contacted Country Wide In Sept and again in Oct. 2008 to let them know it was looking like I wasn't going to be able to make my payment. They advised me then that for any kind of modification you needed to be at least 90days behind. I called again in Nov.2008 and learned about the Renention Program and entered a work out status.

I faxed everything I was asked, pay stubs, hardship letter and was told I would know something in Dec.2008 well on the 17th of Dec. I got a voicemail left on my phone from Country Wide wanting to know if I had received a fed ex package and please return their call right away. Well I called repeatedly and spoke with several different people and no one had a clue about what I was talking about!

So on Jan.22 2009 I was told I was never entered into a workout program and because I had already had a modification that fixed my ARM from 10% and climbing even higher back down to a 8.9% for the five years. That I might not qualify and they would have to start back all over and refer me back to the department so once again I entered another workout status faxed another hardship letter and 2months worth of stubs!

On Feb.9th 2009 I found out my debt to ratio was to high and didn't qualify HELLO IS THIS NOT WHY I'M CALLING TRYING TO GET SOME HELP SO I DON'T LOSE MY HOME! I thought this program was designed to help homeowners struggling to make ends meet? Well after talking to several different people again because you never get the same person or the same answers. I explained to this man who was actually very kind and listened and didn't give me the run around!

I told him I was trying to save my home and would do what I had to do but couldn't afford the arrears now since they had advise me not to make any payments and that because of my work slowing down I was in a situation where it was hard to even pay the simplist bills and I had gave my truck back so I no longer had that payment, I budgeted my grocery bill, spoke with credit counseling service and that I'd even be willing to rent a room out in my home for $100.00 weekly.

So with all that being down and I rented the room out I enter another work out status, faxed more pay stubs, hardship letter, room rental agreement. I received a phone call that another hardship letter was needed so right away I faxed it and asked then if anything else was needed and was told no they had everything else on file. Well the next week I was working outta cellular range and didn't get any of my calls not to mention I was suppose to find out that same week if I was accepted or not so 2 days before I got a voicemail from Country Wide well that evening when I called it was too late they canceled my workout because they said they never received my financial information.

I was furious! I was told though that there was a note left on my account that it could be reopened because they only made two attempts to contact me and oh and by the way they never once tried my wife's phone which was on file as well. So I was told to call back the next day well the first person I talked to told me she couldn't touch my account for 2weeks!

So I hung up called right back got someone else and he said he took all the codes off my account and that he would note everything but it would take at least 24hrs for the codes to come off and call back the next day. Well I did only to learn that now because I chose to rent the 3rd room out in my home to help with my debt that now my debt to ratio was positive and they felt that I could afford my mortgage and did not qualify for a modification and I could go on a repayment plan well when asking what my payments would be I found out I didn't qualify for this either because it brought my payments up to 300.00 extra a month because they could only spread it out on a 6-9month period and I was only positive by 100.00 a month.

I asked what I was suppose to do and she told me to just start making my payments again and when I asked about foreclosing on my home if I started back making my payments on time now that I had the income from the 3rd bedroom I was told that foreclosure procedures could still take place. I was very upset and didn't under stand how my case could change like that over a 2week period I had just applied for the workout case and now I don't qualify and they only made 2 attempts to contact me and never tried a 2nd number that I had on file in case they were unable to reach me I asked to speak with a supervisor and had to wait about 15mins for one to be found and then all she did was basically go over what was already told to me and when I asked about spreading the repayment plan longer she told me it could only be done for 6months and placed me on hold for other 40 mins

so finally getting fed up I hung up after waiting that length of time called back again after about an hour talked to someone else who has now referred me to the HOPE Department and now I am once again faxing pay stubs, hardship letters, room rental agreement, I really feel I am getting riped off they don't care about my hardship or helping me stay in my home I have never dealt with such a ridiculous company and I have a second mortgage through another company which I have talked to the same 2 people about my account and they have worked with me every step of the way I only wish they were my first mortgage as well thank God country wide sold my account to them now only if they would sell my first!

I have a feeling how this workout status is going to end as well but I am going to start making payments so that I don't fall farther behind and Pray for a positive outcome I'm not going to let them take my home when they advised me in the beginning to default on my mortgage and now by the way I was told they don't advise you now to default that there helping people before they become late! HA HA what a joke why weren't they doing this 7-8 months ago?

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Jacky
, US
Feb 05, 2009 11:48 am EST

Well this started about a year ago. Called up country wide to get help like it had said on the news! Looked hopeful but it was not. Just a lot of running around and a lot of lies.

They had told us YES we can help fax all paper work. So we did like they said. We were asking to modify our home loan. YES we can do it! - we heard it a lot. This loan is going to be dueable. Right up to the last weeks of our foreclosure they (countrywide) asked us to fax over more paperwork so we did.

One lady calls my husband and tells him they never received the paper work so if you want to keep your house you better send $8, 000 plus dollars to us by Friday (this phone call took place on Tuesday). Also the last couple of months we wanted to send payment and they said wait till we get the loan modified.

To me and my family we feel we got riped off. Because of the size of the home they wanted it. Also we tried to sell this home in September 2007 and because the builder did not fix the beam in the garage and there was defects in the home and mold (brand new home). We could not sell it.

Since than we have moved 3 times because of all the foreclosures. Owners are just letting their homes go. I am tired really tired. Is this the American dream because it is falling apart.

I would like to know how can lenders live with themselves being greedy and lieing all the time even some of the builders that did a lousy job on building homes. I would like to know if there is a class action suit going on.!

Like the saying says GOD BLESS AMERICA through all this. We all need it!

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jon myner
Cleveland, US
Feb 22, 2009 4:15 pm EST

I'VE BEEN JACKING WITH CNTYWIDE FOR 6 MONTHS. I GOT CASH, BUT THEY DON'T WANT TO HEAR IT. SO I'VE QUIT MAKING PAYMENTS. THEY WON'T FORCLOSE FOR NOW WHILE IN WORKOUT STATUS.
NOT UNDER MY TERMS, AND THEY CANKEEP IT. I"LL GO BUY ME ANOTHER ONE FOR CASH. I'M LUCKY. I OWN PROPERTY ALL OVER ANYWAY.

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Bank of America unannounced cancelleation of credit cards

Americans with excellent payment histories are haivng their Bank of America credit cards that are iassued by FIA Card Services cancelled unannounced. One victim of this abuse has begun a national petition to begin a national class action upon Bank of America, ken Lewis, CEO, FIA Card Services and their agents. DJ Donnelly, had a Visa card from BOA with an excellent payment histiry for over one year, in Feb of 2009 BOA and FIA Card Services cancelled the card unnanounced which trying to make a purchase. Donnelly reveiced a bogus letter explaining why they closed the account which was not only fraudulent but very deceptive. Donnelly is spear heading a national class action to help other vicitms of this abuse that ruins your credit by hainv, "Closed by Credit Grantor". with no late payments, never over the limit, no cash advance abuse, this abuse is being done to excellent paying customers. To join the petition go to:

http://www.prlog.org/10197067.html

We need to change the "America" in Bank of America to Bank of Abuse...

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Bank of America loan consultant

They have some REALLY great folks at CW and some REALLY bad ones! There seems to be no in between. All I can say is I sure hope they really ARE monitoring the calls because the woman I spoke with tonight misinterpreted everything I said, acted like I'm trying to get out of payment, and then refused to identify herself.
I've already paid this month, on time and IN FULL, as I have every month for the last six years. However, since losing my job I just wanted to see if I could have the insurance and taxes taken off the monthly payments and put on yearly instead. That's all...That's hardly the same as saying I don't want to pay. The "loan consultant" said I couldn't just "avoid paying til the house sells", ...hunh? My house isn't even for sale.

She was SO rude that, when I asked for her name, she refused to give it, so she KNEW she was being rude, and wasn't listening well. I asked again for her name and she refused again, then she transferred me back to cust. svc., which was closed.
Not exactly the "world class" svc. they advertise on their site.

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Bank of America terrible bank

I recently received a letter from Bank of America stating that my previous credit limit on my business Visa credit card had been reduced from $17, 000 to $13, 500. I had been paying the card regularly, on time, and more than the minimum payment. I was down to around $12, 500. They also increased my finance charge rate to 27% from 15%. This had the effect of lowering my credit score and crippling my ability to buy inventory for my business. Credit scores, in part, are based on the debt to credit available ratio.

There is currently no regulation that prevents the banks from charging whatever amount they want in finance charges and reducing the credit limit to whatever they want, and they don't have to give you a reason. The only option you have is to write a letter to the 3 credit bureaus stating that the bank took this action an their own, with no reasons. This letter will then be in your file, and anyone requesting your credit report will see it.

I propose the following action to wake up the Congress into drafting legislation that would cap the finance charges and preventing the bank from destroying not only credit scores, but the ability to ever pay off the debt:

Let's choose a date in the next 2 or 3 months and in every community where there is a Bank of America, let's hold a demonstration with signs declaring we are not going to stand for this kind of behavior any longer. If everyone who has ever been ripped off by Bank of America participates, think of the changes we could initiate!

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Mario
, US
Jan 04, 2009 10:30 am EST

The software application that is provided by Bank of America for downloading to cell phones that allows access to account balances, presents the account data in a manner that is misleading when compared to the same data available through their On-Line Banking function when viewed by computer. The misleading data generates a revenue stream from the overdraft charges it creates.

When contacted about the misleading information their Executive Customer Service representative rudely made it clear that Bank Of America does not accept information regarding the accuracy or functionality of their On-Line applications from their customers. He also rudely made it clear that Bank of America is in business for making a profit and that I should be using pencil and paper for tracking my account data instead of trusting the accuracy of their On-Line applications.

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Ronald
, US
Feb 09, 2009 5:29 am EST

We will be switching banks completely due to the rude and unprofessional service that we have repeatedly received at the Conshohocken branch on Fayette St.

The employees are unwilling to explain the terms and conditions even when asked direct questions regarding accounts. They have continually mishandled our accounts, given us incorrect information, and refused to follow up on problems brought to their attention.

They have resorted to name calling customers and yelling in front of other customers and have revealed incidents and information regarding our accounts to members of the local public while consuming alcohol at local establishments.

Completely unprofessional, both inside and outside the office. Not the type of company or people that you want to have access to your financial information.

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Sawyer
, US
Mar 31, 2009 2:29 pm EDT

I have an account in good standing with Bank of America for a line of credit. I received a letter in the mail essentially removing all of my available credit with a statement that is due for my past charges that were not even due yet. I had recently used this line of credit account 2 days earlier and cashed a check at my local bank with a Bank of America Line of Credit check.

I was totally unaware they had removed all of my available credit. Sure enough I go online to check my bank statement with my local bank and they withdrew the funds from the Bank of America check I had written 2 days prior leaving my bank balance in the red because Bank of America would not honor the line of credit check. The funds that were in my local bank account were to be used for an automatic withdrawal to pay my home mortgage.

So what happened is my mortgage payment did not get paid and I had to beg and borrow money to cover this payment. This was all due to Bank of America removing available credit to me without my knowledge. I had never missed a payment or never been late on a payment. To think they can do this to the people legally and get away with it makes my blood boil.

These are the same people that are working and paying their taxes so Bank of America can get billions of dollars in bail out money. There is something wrong with this whole picture. Bank of America should not be allowed to use the word 'America' to name their business. They behave like loan sharks and get away with it.

BOYCOTT BANK OF AMERICA AND LET THEM FAIL.

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Henry
, US
Jul 18, 2009 12:27 pm EDT

I discovered that when Bank of America sends out a payment from your Bill Pay on-line payment facility through a hard check they debt your account when the check is issued not when it is cashed by the recipient. I discovered this when one of my note holders sent back two checks issued through Bill Pay by BOA. In essence, BOA debits your account when the check is cut and then has use of your funds, in their account, until the check clears. This is reverse check kiting. The check states that the funds will not be available if the check is not cashed in 90 day’s; however, it is unlikely that the funds will be re-deposited in your account anytime soon thereafter or at all unless you notify BOA; presupposing you have knowledge of the discrepancy.

When you pay a bill on-line through Bill Pay, you assume that the Bank will debit your account when the check clears this is not the case. BOA employees told me they wait five days after the check is issued from BOA before they debit your account, however, the funds were disbursed from my account the same day they issued the check. In my case, they used my money for over two months without having to reconcile the difference. No doubt BOA encourages account holders to use Bill Pay…the service is free!

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Allen
, US
Jul 29, 2009 4:21 pm EDT

I have items pending in my account I went to deposit additional funds because i notice they had put a automatic debit through earlier this money then the previous months so to cover all charges I made the deposit how about they accessed me with an overdraft fee of $35 I called them and was told their wasn't enought funds in my account when items were purchased I informed them there was BOA put my autimatic draft through early this month and I wanted to know why, well there was really no real answer so I will be closing this account that I have had for over 17 years when they where Barrnett Bank how sad in these days who can be losing money... Beware of the Banks in America.

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Edward Rovin
, US
Aug 14, 2009 7:13 pm EDT

Supervisor: Neftali, said he would refund me $70 dollars to my personal account. He said his name was Gabe and unit number: 11712. He lied about everything. BofA will not give me his last name and unit number.

BofA is now not siding on my case of the refund.

What does an individual consumer like myself suppose to do with employees who aren't professional and in fact are negligent and deceitful?

Valerie
Valerie
, US
Oct 14, 2008 6:33 am EDT

I am 74 years of age and my health failed. I am handicapped and unable to work. I owned 8 bank credit card a and notified the banks that I could no longer make any payments on their cards. I had never been late or missed a payment. 6 of the banks were cooperative the 7th where i had 2 cards was not. The first of the cards had a big balance and my wife who still works said she would take it over since she had used it the most. We filed the necessary papers and she makes the payments. The 2nd card which carried a much smaller balance is the problem. The bank claims she is a co-applicant on the card and I advised them she is and was not. I requested physical proof that she signed on as a co-applicant and they said they would send it. We have received nothing but the run around and this is now in its 4th month. They finally admitted that the application was done on the phone and that because they have her SS # and D.O.B. that makes her a co-applicant.

They also send statements with the correct account number on it and their collection letters list a different account number. We questioned it and the reply was 'we changed the number for security purposes and sent you a letter and new cards'. We said we never received either and contacted their archive department and have received 4 letters that this changed number does not and has never existed. Now they say that they inadvertently did not mail the letter or the card, but the numbers are the same.

My wife offered to settle with them on at least 8 times and asked only for proof that she was a co-applicant. They tapped danced the subject and refused to put a supervisor on the phone. They have canceled the card in question and her other card which was in good standing and they have also advised the credit bureaus that the cards are canceled for non payment.

The attorney general of florida can do nothing because this bank is NA which is not under any state control. I am sure they have disregarded some truth in lending law. Do they have to furnish proof that she was a co-applicant?

I am sure that she was a authorized user on the account which means she is not responsible for the debt.

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clinares
Dallas, US
Sep 11, 2009 7:01 pm EDT

I've had constant problems with BofA.

I filed complaints with the BBB and the Office of the comptroller of currency.

I doubt that will help but at least I'm doing something about now.

I also filed a complaint through AFFIL. Check them out. You can contact your Congressman through them about this.

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Slagathorn
, US
Jul 29, 2009 5:44 pm EDT

Keep a check register. Write everything down. That way, you'll avoid getting charged overdraft fees. Don't spend more than you have.

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rgunness
, US
Jul 27, 2009 8:58 pm EDT

It's simple,
Bank Of America is nothing more than crooks. They charged me 39.00 dollars for a late fee then had the nerve to charge me 15.oo dollars to pay the bill by telephone. The truth is, they make more money on fees than on there regular intrest. I called them and they said there is nothing they could do. I called them a bunch of crooks over the phone, which ment nothing to the girl who was maiking minum wage. I told them after I pay my balance off, they are history and they will get nothing but bad press from me.

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Bank of America fraud/overdraft protection

I have had an account with bank of america since 2005. I had gone on a trip to disneyland and charged it to my card. For 5 days after I checked my account to see if it had gone through and it had not. I went ahead and charged my card 4 times and checked my online banking at 5pm and the transaction still had not posted I then checked at 10pm and still no sign of the disneyland post. I then the next day used my card again for 5 more transactions and got declined for the last one. I went into the bank and was told I would have 3 overdrafts because of the disneyland transaction that had gone through the day before. I asked how that could be when I did infact check my account at 10 pm after the cloes of the days trasaction.(Their cut off is 8pm any given day except sundays will post on monday.) She told me the charges would be reversed since I am a valued customer but it would have to be done the next day since it had not shown up on my account yet and I should deposit the money for the items still peding to cover those. I did.

I then checked my account the next day and found the overdrafts went through first before any transactions and it caused 6 more overdrafts as a result. I called BofA and talked to a customer service reps who sounded more like he should be on the street dealing drugs than talking to customers, slang and all. I asked to talk to his manager and was transfered to a guy who told me i had a spending problem and its not their fault they are not the ones who charge and charge with no regard and he had already spoken to his associate and its not their error. I brought up the fact that no transactions will be posted untill the next day per their policy if it posts after 8pm that day and I had looked at my account at 10 pm and it was not there and I was told I was a valued customer and these charges would be reversed. He said there was nothing he would do to help me and again I "Have a spending problem." I asked to talk to his manager and he placed me on hold and transfered me to a full mailbox which leads me to believe he was not a manager at all.
I wrote to the complaints department and to the customer service and was given a generated email that probibly goes out to everyone.
*********************************

Thank you for your inquiry dated 3/12/09 regarding Customer Service. We
will be happy to assist you.

While we regret to hear of the experience you have described with Bank
of America, we are glad that you have brought this to our attention. Our
commitment is to provide the highest level of service possible. These
standards demand that we treat you and your requests with understanding,
integrity and respect.

You are an important customer to us and we look forward to your
continued relationship with Bank of America. You can be assured that we
will make every effort to avoid a similar situation going forward.

Our records indicate that several transactions were presented against
insufficient funds in your account on 3/10/09 and 3/11/09; thus, causing
an overdraft in your account. Overdraft fees were assessed based on this
information.

To avoid these fees in the future, please review the account records to
ensure that sufficient funds are available prior to issuing a check,
negotiating purchases, or any other transaction that will be processed
against the available balance. This includes ensuring that all deposited
items, whether direct deposit, transfers, or personal checks have been
posted to the account and are reflected in the available balance, and
that there are enough funds to cover outstanding checks.

We value you as a customer and appreciate your business. If we may be of
further assistance, please contact us again by e-mail. Thank you for
choosing Bank of America.

Sincerely,

Doris P*****
Bank of America

Get free e-mail or text message alerts when important activity occurs on
your account. Simply go to the Alerts tab in Online Banking and select
the alert messages you want to receive. Please note, alerts received as
text messages on your mobile access device may incur a charge from your
mobile access service provider.

Message text: This banking institution has really given itself a bad
name with me. I have banked with you since 2005 and I will never bank
with you again or pay all these overdrafts you have posted to my
account. I had checked my account as of the 9th of March and I didn’t
see the Disneyland charge post to my account. I therefore did not
deposit additional money as I thought I was good with the money I had in
there to cover my charges. I then found out the next day that after 10
pm the Disneyland charge had gone through and made 3 overdraft charges
to the smaller amounts that had already been pending to my account. I
deposited money to cover the additional charges not including the
overdrafts because I was told by a branch banker that those charges
would be removed as a one time grace. I then called and was told no that
the charges would not be reversed and I would get 6 more on top of that
because I made charges to the account. So a total of 9 $35.00 charges
for one thing t!
hat did not show on the online banking that I checked and was not there
the night before.
As I understood your policy to be that all charges before 8 pm would be
reflected that day and all charges after 8 pm on that day would be
posted the following day I figured checking it at 10pm and it was not
reflected so it would not be posted until the next day so I could
therefore make a deposit the next day.
I think what you are doing is fraud. I understand I should have money in
my account to cover charges but When that account was checked on and I
was told the next day the charges would be reversed if I called the two
things that should be upheld should be in fact upheld.

Also I did call on the 11th when the charges posted and there was some
gangster sounding guy that was a manager that was to transfer me to his
manager and gave me a voicemail that was full I think the guy did this
because he was not a real manager. He didnt care what I had to say he
told me these charges where my own fault and I should not spend so
careless and so much. I told him I was not being careless I was checking
my account to make sure everything was in fact okay because my husband
was sick and I had to attend to two kids.
I thought this bank cared and I loved banking here until now. I never
thought I would have a bunch of rude unprofessional customer service
reps.

************************************

So she needless to say never answered my questions and didnt read my email since it had nothing to do with transactions that posted on the 9th. She talked about the transactions that had gone through on the 1oth and 11th that where a domino effect since the one on the 9th went through past 10pm.

These people do not even play by their own rules! Frauds!

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River Willow
Newton, US
Aug 08, 2009 5:27 am EDT

Ive had similar occurances like this happen (without the trip to Disney Land). Ive had the worst time banking at this establishment and plan to go elsewhere as of tomorrow morning. I havent been able to keep my account in the positive no matter what I do or how closely I watch my account online. Its as though they always find ways to make sure Im overdrawn somehow. This payday is by $330 dollars but its been as much as $500. I very rarely get to keep even half my paychecks. Ive always thought its my fault because Im not good with money but lately Ive been being extra careful with my spending and they still wind up shafting me by several hundred dollars. Im also noticing they have been "rearranging" my account in whatever way benefits them. For instance I had 3 small transactions using my bank card that had all cleared according to the online banking. But then a $77 check came in a couple days later and I went to look online at my account to find that suddenly things were switched. Those 3 checks were no longer cleared. They put the $77 dollar check through first which ate up all $68 I had left in the account, THEN ran my other 3 transactions through and took 4 OD fees rather than the 1 they would have originally taken. I plan to go in to talk to them about this tomorrow morning but Im sure they will come up with some sort of justification for it and then send me on my way just like always. This time Im not coming back though.

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FactJack
Seattle, US
Mar 16, 2009 8:06 am EDT

I'm constantly amazed at the fact that you went and spent all that money and didn't think, "hmm... maybe it's in my PENDING TRANSACTIONS part of my online banking." or maybe you forgot to ask yourself, "Hmm... maybe they'll put it through tomorrow." But no... you said, "Hey, it's not on there, let me go spend some more money." First, items NEVER immediately post to any bank's accounts unless they're done at the bank; 3rd party merchants never go through immediately - they go into your pending items. Secondly, you do have a spending problem if you've maxed out your card in one day because who goes off and puts a vacation on their card and then forgets about it when they go to spend another thousand dollars or whatever?!? Come on, if you don't have the money, don't spend it. Finally, you can't hold the bank accountable for not giving you every refund you want back. In order for the world's financial system to NOT collapse, banks have to turn a profit - get over that fact now. The bank didn't turn it's back, you did when you decided to go out and blow out an entire credit card.

You should always read your disclosures when you open new accounts. You should also not spend more than you have - it's called debt and that's how America got so screwed up in the first place. Finally, look CLOSER in your online banking - never take it at face value. No, I don't work for BofA but it's the same at any bank.

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Bank of America CASH ADVANCE CHECK

I received checks from this company stating an interest rate of 1.9% if I did a balance transfer or used the checks for other purposes. Being skeptical and knowing the unscrupulous practices of some comapanies I read the fine print closely and even called Card services to affirm I was using the check within the proper time frame. A nice young lady assured me I was (my first mistake-didn't get her name) and The funds would have a interest rate of 1.9%. They are charging me 9.9% and are now saying I didn, t use check in time. I failed to keep the agreement info attached to the checks (my second mistake) and therefore cannot dispute the high interest rate. They tell you one thing and do something else. I just don't understand why companies like this insist on shooting themselves in the foot. I will just pay off the balance and cancel the card and continue to make others aware of their questionable practices. Talking to management is useless. They are so use to talking to unhappy customers there responses are pure reflex. I would imagine alot of there employees will be looking for jobs in the near future as more customers leave this company.

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Update by Robert
Mar 12, 2009 2:39 pm EDT

In order to be fair I wanted to post a follow-up comment. I attempted to contact Wachovia and when entering my account # I was routed to FIA CardServices. I told the young lady I thought I was calling Wachovia but my call had apparently rolled to FIA after I entered my account #. Paulette then asked how she could help me. I explained to her I was calling Wachovia to complain about FIA and I felt there was nothing she could do to help me in the matter as I had already talked to two gentlemen at FIA and that they had been most unhelpful and uncaring. Paulette was very professional and personable and apparently more interested in her companies long term future and their positive relationship with their customers than the other two gentlemen. She said she would correct the interest charges and allow the 1.9% interest rate as I had expected.

I guess it pays to talk to a concerned and conscientious employee.

Robert

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Bank of America money stealing company

I have had a Bank of America Checking and Savings account for well over 15 years now. Why I have stuck with them so long is beyond me--maybe I'm just afraid to change everything over. Through the years, they have soaked me with overdraft fees probably well into the thousands. I always just thought I deserved the charges and figured that I was just a 'bad girl' who didn't know how to manage her money. Now that I am older and much wiser, I am realizing that I was not a 'bad girl' but that I was a VICTIM.

I was most recently violated by Bank of America when my income tax refund was direct deposited into my account. Upon receipt of the money, I paid off many bills to try to get ahead as well to get out of debt. This seemed to be to no avail because it all ended up costing me $520 in Bank of America overdraft and returned check fees! The first issue I faced was after a busy morning online and over the phone paying bills. After making about 15-20 transactions, I realized that my telephone payment to my oil company was declined! I panicked! Why would it be? I had LOTs of money available in my account a few hours earlier. So, I immediately called Bank of America and after a long runaround, was connected with their fraud department. They themselves had FROZEN my account and weren't letting any transactions go through! How crazy! If there was a problem with my account I would have called them and told them so. After I had proved that I was who I said I was and that I was the one making all of the transactions they unfroze my account. So then I had to embarrassingly backtrack and notify those whom I had done business with earlier that morning and explain what had happened. What a morning!

Then to make matters worse, just this past week, one of the transactions I forgot to record and it triggered an 'avalanche' of overdraft and returned check fees! I ended up incurring $520 in fees (12 in all at $35 a shot!) The bank refused to do anything about them. Generally, when I have a transaction go through that ends up putting me in the 'red', the bank will cover it and just slap me with a $35 fee and then I deposit the money and there's no embarrassment on my end. This time, they decided to play dirty and they not only charged me $35 when two items posted, but then had the gaul to slap me with another $35 when they returned them as unpaid! This sent me into a panic. Sadly to admit, one of the checks was to my church to pay for my daughter's choir robe! If ever I wished that they had covered a check--it was that one. It was a very expensive banking week for me--GRAND TOTAL WEEK ENDING 2/27=$520 + EMBARRASSMENT

Wait--that's not the end of my soap opera with Bank of America. Just today, I had a local Kmart store call me, no not once, but three times regarding a check that I had mailed them to pay on a layaway for a new microwave which I desperately need. They attempted to process my $40 check and it was regected by Certegy Check Services. (another embarrassment) Therefore, today my evening was spent (all 3 hours of it) on the telephone. I called Bank of America SIX times, Certegy THREE, Early Warning Services TWO, Spoke with Kmart FOUR, Telecheck TWO, and Check Systems TWO more times to no avail. Finally I came to the conclusion that I'm better off getting out of the entire crazy system and going back to the 'good old days' of using CASH and MONEY ORDERS. Considering all of the embarrassment, harassment, stress, and MONEY--it is NOT worth the aggravation!

My husband has been after me for years, to get rid of them as my bank and I've always resisted. But guess what--I've finally had the last straw! Let them report me to Certegy, EWS and all of the other acronyms--frankly I don't care. I don't need them and I refuse to be a host to their leech-sucking money grubbing frenzy any longer! If more and more American citizens get fed up with the 'system' and just stop patronizing it then they'll no longer be a system as we know it. I'm an American, but I DON'T need Bank of America--they give America a bad name.

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JENNY DIAZ
San Luis Obispo, US
Nov 18, 2011 4:09 am EST

Bank of America is stealing money from me! I am constantly paying them overdraft fees out of money I dont have! I just had a baby and I am not working right now and cancelled anything that was automatically billed to my account! However every time I check my account I seem to always be in the whole 80.00 or more! I feel like Im on a hamster wheel just trying to pay Bank of America off and Im left with no money to even feed myself and my child! I cant even afford to pay my full rent because Bank of America takes all my money! BANK OF AMERICA IS A BUNCH OF THEIVES!

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sandmanrash
, US
Mar 19, 2011 5:17 am EDT
Verified customer This comment was posted by a verified customer. Learn more

i had a checking account and a credit card with boa i move from charlotte nc to omaha ne my little brother helped me pay off my credit card he made a money transfer from his checking acount to my credit card account for the amount of $2904, 96 witch was the full pay off the account showed a zero ballance i had $2.31 jeft in my checking account i wrote a check for that amount when both accounts showed a ZERO balance i called boa and closed then about 4 days later i got a letter saying i had a $100.00 over draft and a $35.00 overdraft charge to my checking account then i seen i had a $100.00 dollor credit to my credit card but both accounts were closed out with a zero balance so i called the bank ther told me it was the credit cards department problem so the sent me to them when i told the credit card about it they said the bank messed up and transferd me back but this time i was on hold for 35 min so i hung up and then called back the next person i talke to i told then they should just but there manager on the phone her name was Fredricia Bynum she was able to get make scense of it all and said she straighted it all out that was on monday it is now friday and i just got a letter from the credit card department showing the $2904.96 pay off then a zero balance then it showes a $100.00 credit to the credit account then it showes a $100.oo adjustment to the accout and now they are saying i owe them $1.50 for a fee for the money being transfer in and out of that account that was CLOSED Bank of america all i can tell you is you have not hurd the last of me all you do is take advantage of the hard working people that try and pay there bills just remember we are not the ones that took a multey billion doller bale out a fue years ago you guys are nothing but a bunch of theaving crooks and every one of you should be locked up in jail for steeling from us

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don'ttredonme
, US
Mar 12, 2009 5:53 pm EDT

Rat ###!

Try craigslist for new microwave. Should be much cheaper than kmart.

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Bank of America billpay

I just noticed that BOA Billpay sends out payments in 3 ways: 1. electronically, 2. by "regular" check, and 3. with a laser draft check. These payment types are random even when sending out payments to the same companies on a monthly basis. They say it's to stop fraud...

Here's the problem... the first two are deducted out of your account on the date of the scheduled payment. As it should be. The third magical laser draft check is not deducted until the company actually tries to cash the check.

So now everytime I want to pay a bill I have to go check the billpay payments for what has been "sent" and go back to the account to see if it was actually taken out.

This is friggin' ridiculous! That's not how you balance a checkbook! A real world example is that I have 2500 in my checking account. A payment was scheduled for 1300 today. My stupid checking account still shows 2500 and will show that until the receiving company decides to cash the check!
WTF!? The only reason to do this is so that customers will overdraw on their accounts and BOA will collect lots of extra overdraft fees!

There is no logical explanation as to why they don't take the money out of the account as they should on the scheduled payment date like they do with electronic payments and regular checks. Hell.. if I knew which payments were laser checks, it would at least make things easier on me to balance my own account, but no... it's "random" so I have to balance my account every time I want to send a payment! WTF!

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Bound by agreement
Worcester, US
Jul 08, 2010 2:54 pm EDT
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Heres a lovely, thought out, and personal message from BOFA regarding their billpay policies:

Dear XXXXX

Thank you for your recent inquiry regarding your payment to XXXXXX. We appreciate the opportunity to service your banking needs.

You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.

Thank you for choosing Bank of America. For further assistance, please contact us by e-mail or phone, 800.933.6262, Online Banking Bill Pay.

What documentation, and what investigation? I've heard of better customer service in Thailands street markets.

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Bound by agreement
Worcester, US
Jul 08, 2010 12:02 pm EDT
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I just sepnt 3 hours on the phone with BOFA about this exact problem...after 4 reps and 2 managers i the bill pay division, i finaly got someone to crack

"sir, i dont know why your checks changed from draft to corporate"

for a year i sent checks to my landlord using billpay, and today, of all days, it was sent as corporate...and it caused several checks to bounce as a result

tier 1 and 2 reps are taught to blame you for not having funds at the time of delivery, regardless of a prior history of every check being sent as draft. they put the onus on us for not reading (or comprehending) the agreement

as i told "lee" before i hung up...i base my timeline for "when checks will clear" on my existing timeline history with BOFA...if i send out a check to the same place, and every time i have 7 biz days between mail, delivery, and deposit...and suddenly that window is gone...im screwed

bounced my cobra check today, lost insurance because of this...tho its is legally my fault, i made it abundantly clear the system is entirely flawed, and we need to be informed before submitting a payment whether it will be draft or corporate

deaf ears i assume

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Bank of America mortgage/escrow woes

This company lost payments, increased payments, took double payments from our personal account, put an unauthorized escrow on our account which included taxes, insurance and water and sewer. There was no need because we were never late on any of them. Then continuously applied payments to the escrow instead of to the balance due, put negatives on my credit report claiming that we were late after they applied it elswhere. After I reported them to the BBB they responded to me by trying to charge me $40 for a payment over the phone. This is a company that is very slimy in how they deal with there customers because according to an Attorney I spoke to, it is legal, Slimy but legal

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Bank of America Fraud /Misleading

Due to some past credit issues I was told that I probably couldn't re-finance my existing higher percentage rate mortgage. County wide calls and states that they can get me a lower rate. After months of jumping through hoops with employment verification and credit check and appraisal fees, I receive notification that I had been declined due to past credit issues.

Steer clear

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Bank of America check reorder

I have been a customer of Bank of america for many years, as has my husband.
I have my own checking account, plus a joint checking account with my husband.
We are Advantage customers with BOA.
We are never supposed to be charged for our checks, as we are Advantage, and keep a sufficient balance in our accounts.
However, when I tried to order my checks, online, as usual, I was going to be charged $30!
They tried this once before, and I was assured it would not happen again.
this time no matter who I spoke to by phone, I got not satisfaction, just a run around, and the so called "specialists", were not even in this country. At thqt point I hung up very, very angry.
I went to my local bank brancgh, and got so satisfaction from a teller, so I spoke to one of the so-called "speialists" at a desk, and finally after much time and aggravation, got my check order for free, as I am always supposed to do.
No wonder this bank is in such difficulty, they treat good customers like dirt!

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Bank of America fraudulent company

I just realized today that I have not received a bill from Countrywide in the past two months. I immediately called to see if I just lost my mind or what. They insisted that they had sent the bills to the proper address. I immediately made a double payment by phone and was charged a late payment for February. I argued that we have made all our payments on time since 2017.

I told them that I rely on receiving the bill as I not only do my personal bills, I do my fiance's personal bills and I am a bookkeeper for his company, and I have my own business. I process a lot of checks each month. They told me that the paper bill that we receive every month is just a courtesy and that they don't have to send the bill by mail, that I could go online and see everything there. My God, what if I didn't have a computer or I didn't know how to use one? I just hope now, that they haven't messed with our credit by making a report to the credit bureau. If I find out that they did that I will go to every length possible to ruin them. I believe this is how they are making money, if they pull this every once in awhile to a couple thousand people then they can get away with it. They have a very cocky attitude about it too, as if it was all my fault that I never received the bill. I am responsible for paying six mortgages every month, if I don't get the paper I'm screwed.

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Valerie
Valerie
, US
Sep 30, 2008 10:38 am EDT

Countrywide is raising millions by charging fees for refinancing your home and they have no intention of closing the deal. During the appraisal, they will so under value your property you will be in a reverse mortgage situation. Most will seek other mortgage companies or bank, however you will be out hundreds of dollars. Fees for running your credit, paperwork, and the appraisal fee. DON'T WAIST YOUR TIME. Go to another bank to refinance. Countrywide rates and fee will always be higher. And there customer service is terrible. The agents do not return your calls nor do they inform you on possible lower rates. Due to the financial troubles on Wall Street, they have no intention on giving you a good deal. They are only in this to make money off of you. They do not have your best interest in mind.

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anthony alston
,
Sep 10, 2008 10:25 pm EDT

I followed proper protocall with countrywide . As many americans i changed jobs to were my salarie changed i asked countrywide to move 2-3 months of my payment to the back of my loan . they had me send in a letter of hope .They said then i should be fine - when i called to see if the loan could be modified they told me nothing could be done . I have ask countrywide to help me not fall behind in payment and even take 1/2 of the morgage payment until i got caught up. times as you know are hard now many americans are trying to keep there home i need help asap . thank you - if you can help me ceo- of countrywide my e- mail adress is alstdav7@aol.com if you need any additional info let me know .anthony alston

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Diana
, US
Jun 21, 2009 6:24 pm EDT

First, I want to say that I was in the Title Insurance Industry for 35 years and know my way around the block-but dealing with Countrywide-BOA is like dealing with ###s from outer space. It Seems that whoever can figure out what is the 'least they can do' to hang on to their jobs-are the ones who are still employed. I bought my home in 2017 when I was employed. More than 20% down, excellent credit, fixed rate loan. Unfortunately, I became 100% disabled in 06. It took 18 months to get on Social Security (18 months with zero income) and another year to get medical insurance. Somehow from savings and selling off things I was able to keep up, while trying to sell the house. Last year I finally hit a brick wall and entered into a Forebearance Agreement with the bank. The second payment was returned, as some idiot sent me an envelope with the wrong address on it. Everytime I called I got some new nitwit and had to go into the entire deal again. Finally, I had to resort to a short sale. Lucky for me, I found someone who really DOES understand how to go about it. The bank has been nothing buy uncooperative. First offer was rejected (after 6 weeks) they still don't come up with a price, but pay some out of work realtor $75.00 to do an 'appraisal' (never going in, of course). Next offer is in. Price is only off by a few thousand-they are sitting on this offer like a whale in a lifeboat. Calls go unreturned-answers are stupider and stupider as time goes on. If they just let the house go-they are done with it. The shortage is only in the $40, 000 range. (Small potatoes by current standards). I guess the brilliant BOA powers that be would rather pay taxes, hoa, insurance, etc than unload the 'inventory' as they are supposed to do. Do they want to end up with all these houses ? Who is in charge there? Did they go to the Romper Room school of business? Why are they allowed to get away with this? If the taxpayers are sending billions to this bank-why are they not being told what to do as are the car companies. It is my understanding that Countrywide/BOA is the worst of the worst when it comes to this. Class Actions-Anywhere out there?

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Donna Gonzalez
,
Jul 18, 2007 12:00 am EDT

Countrywide had my credit card info on a Master Card that was to be paid off.They used that information to bill me $300.00 for an upfront processing fee without my knowledge or consent. I had given the credit card information to Tony Kwong for a payoff. When I called that office in Roseville,California Mr. Shores said he would have it credited unless I wanted to go forward with the loan,in which case they would credit it on the loan itself. So, here I am paying interest for a couple of weeks on $300.00 that should have never been charged on my Master card in the first place. My paperwork did reflect the $300.0 discount as Mr Shores stated that they would do. That was only after I told him I was reporting fraud on the part of Countrywide. Then when the notary arrived with my paperwork there was a pre payment penalty attached to the loan,one that lasts for 5 years.I was never told about this pre payment penalty even though I was in contact with 3 different people at Countrywide in Roseville.J.D.Powers and Associates may rate Countrywide aS #1 in Customer Satisfaction but I personally don't see how. I have dealt with numerous Mortgage companies and banks when seeking a real estate loan and Countrywide has been the only one to be deceitful and to try and get away with an act of fraud.

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FrustratedwithCountrywide
Shelby Township, US
May 13, 2009 12:33 pm EDT
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I made a payment via Countrywide's website to pay my April home equity line in full. After a few days, I realized Countrywide had not posted my payment, and they had blocked online access to my account, with a message that it requires 'special attention'. After calling the number provided on their website, they said they hadn't posted my payment because my account was in the modification process. I told them I was not interested in any modification, and wanted my payment posted. Just for the record, in the 8 years I've been making my mortgage payment, I have NEVER been late, and I have excellent credit.

The representatives are giving me the runaround, saying they will fix my account and post the payment, and for me to call back the next day.

It has now been about 3 weeks since I made the payment, and I have called repeatedly to resolve the problem, and as of today, my payment has still not been posted, and they have given me a late fee! I filed a complaint today with the Office of Thrift Supervision and the OCC. I will also be mailing a letters of my complaint to every Countrywide mailing address I can find.

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Wanda Love
,
Mar 02, 2008 11:33 am EST

We fell behind due to debit card fraud on our checking account which resulted in a returned check. We had never been late on our mortgage in 5 years before this occurred, then within 30 days of this event I lost my job. Needless to say, we fell further behind and after 90 days our home was in foreclosure. Our account was impacted by enormous fees causing the original arrears to be double. We worked out a repayment plan with Countrywide that cost us an additional $500 a month but truly believed we were going to turn this situation around since I had gainful employment and we had a plan we could live with, we were not happy about the total expense this had cost us but we were going to fix what was wrong. After six months of paying as agreed... to our surprise the July payment was refused by Countrywide, ironically they never contacted us, we found out when Western Union sent us a letter about three weeks later. When I contacted CW they claimed our payment was $5 short, I had sent them $1700 every month prior to this and that was the agreement, but they claimed it to be $1705 and refused to take anything unless we did another repayment plan that ended up costing us more fees and resulted an additional $100 month for another 12 months. They are crooks! Yet another payment refusal came our way and of course the fees followed and we had come up with another plan, this time they offered loan modification and that sounded like the way to go if it would bring us current and we start repairing our credit to hopefully refinance and get the heck away from CW. Well they took our $5000 good faith payment to modify our loan and applied to a bunch of erroneous fees and we are still in arrears and facing foreclosure again. Why doesn't someone do something to these people once and for all, there are so many stories just like ours and it WRONG! People work hard for their money and want a home for their families, we should never gone through this in the first place and now we are at risk of loosing out home and our $65,000 in equity. There should be recourse for the public when large corporations take advantage of people like this, why do I pay taxes to a government that turns their head to such blunted crooks like this. I want a class action lawsuit filed and I want everyone to get what they have coming to them including Countrywide Home Loans.

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john shepard
75044, US
Nov 16, 2008 9:11 pm EST
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John E. Shepard
3201 Key West Dr.
Garland, TX 75044
11-16-2017
THIS HOW PEOPLE LOOSE THEIR HOMES INVAID AGREEMENT
Country Wide Finance Department repeating phone calls (3 or 4 daily)
Dear Lawyer:
We have requested that Country Wide Finance Company do not call us daily (3 or 4 time). The open statement “This is a call from a debt collector and we are informing you that we need to collect a debt.” We made payment arrangement with this company to skip one payment.
We receive a called on the2 day of November, 2017 with the customer service operator stating that we owe for two months of payment.
This has been a daily process of calls from Country Wide. Sometimes we receive 3 or 4 calls a day.
The contract that we agreed to pay Country Wide back on a five month plan has been violated by Country Wide Mortgage Company and we would like to take legal action against them(start day December 2017).
We agreed to be put a 5 month payment plan and they also state that this would not effective our credit but it has affected our credit.
(Payment plan 1500 per month for the next 5 months)
Thank You,

John E. Shepard
Cc Ross and Matthew Law Firm Bank of America
Date of calls
Sunday, November 16, 2017 Time 8:20 from Mrs. Ana Pedia ex (4911)
Later Mr. Savio Kapoor (supervisor) calling to collect a debt
Please stop the madness our note had been paid [protected])
Payment plan starts next month

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Stacy
,
Feb 29, 2008 2:55 pm EST

Countrywide had very bad communication with us. They were given all of our deadlines for our home purchase, yet they continually missed our deadlines even when we called to remind them. Important papers were never mailed or emailed to us, like employees at Countrywide said they would be. We were actually told something was in the mail... we never received it! They took forever to get the appointment for the appraiser, which hurt us in the long run.

They gave us a "pre-qualification" for an FHA loan. That sat on their desk for three weeks before we decided to continue. When they actually tried to qualify us on that loan, we were told that we didn't qualify. Countrywide should have been educated about the qualifications of the loan when we first went in. So, we went with another loan. On the day before closing they had an appraisal done on our house. At noon they called to tell us that everything was going great, the appraisal come back with good numbers and we would be able to make the noon closing time for the next day. An hour later, Countrywide called back saying there were problems with our appraisal and we wouldn't be able to close the next day. We were told that we would now need to put more money down because the appraiser deemed our neighborhood a "soft market". Ultimately, Countrywide's lack of qualification, communication, quick response and truthfulness led us to seek another lender. Hopefully this deal isn't ruined for us!

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Kim
, US
Jan 22, 2009 9:13 am EST

After my 2 year ARM loan adjusted from 6.8 percent to 9.9 percent, and getting hit with taxes and fees. My payment went from 2075.00 per month to over 3400.00 per month. Countrywide denied me a refinance. Debt ratio was too high I guess. Now my credit score lacks also. All because I have not made a payment to them in two months. We have been going back and forth over this damn loan modification deal. They have news stories. They have internet stories. The big ole president of countrywide himself has promised all us bums a pre approved loan adjustment. They state they want to help us get back on our feet. They want to avoid foreclosures. Well, I have done all they have asked me to do. They even have the latest pay stubs. They also don't have voicemail now. So when you need to talk to someone, you are placed on hold forever. Then, they get you some stupid ### that doesn't have a clue as to what modifications are. And that a loan negotiator will call us back. It takes a week sometimes. And, if you miss the call, cause lets say your at work, well, your ### out of luck. After two months of the paper trail, and phone calls, they tell us we ARE DENIED A LOAN MODIFICATION! We cant afford it. NO ###! Who can afford their house payment to double. All they have to do is lower the rate back to what it was, and we can afford our home. But now. They want foreclosure. I hear this is happening to alot of you out there. Its time to sue! They are rude, and they are full of empty promises. Countrywide is a fraud. They are not doing one loan modification. Its only to make them look good to investors. That is why they promise these loan mods. If you get one, let me know. See ya in foreclosure!

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concerned employees tax dept
Richardson, US
Dec 06, 2008 8:18 pm EST

This is about sexual harassment going on in our department. There is this employee who was in jail and was bailed by this female employee. Now everybody knows about their sexual relationship. This is very uncomfortable working around this 2 people and everyone had complained about it but nothing was done. How are we employees be able to work. And since everyone knows, why are these 2 people still working in the same department, this environment is very unhealthy for the rest of us. This 2 people work in the same area. The sad thing is the male is married with children while the female knows but did not care. What kind of work environment is this.

From
Concerned employees in the Tax Dept.

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.

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

Bank of America In-depth Review

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

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

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

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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.

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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.

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