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Bank of America Complaints Summary

457 Resolved
1108 Unresolved
Our verdict: When using services from Bank of America with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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5:44 pm EST
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Bank of America Fees and Bill Payment

I used a new checking acct to make my monthly payments. FIA Credit Cards online payment company initially stated all was wonderful but then a few days later told me the payments were unsucessful. As the payments were well ahead of the due date I attempted to remake payments but the payment company blocked my efforts and would not co-operate with me to correct the payments.. I had to go directly to the financial institution I had set up as the "pay from" account and set up the payments directly from their bill pay system as the problem was not insufficient funds just incompetent people unable to process my payments at FIA's check free bill pay system! Due to this fiasco with their "Bill Pay" system I was penalized with multiple fees and my account closed ---because of MY ACTIONS! My actions were to make 2 payments totalling well over my minimum payment due weeks before my pay by date! The check free bill payment system screws up processing the payments as it was newly submitted checking account information? and I am suddenly a credit risk and unworthy to be a customer.

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Avalon
Atlanta, US
Jan 29, 2009 11:10 pm EST

From an insider during the date that you scheduled your payment there was a system glitch and you should have been credit for any fees that posted to your account and had all delinquencies removed. Please make sure when you call them the next time to ask them if they had a online outage during that time.

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2:58 pm EST
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Bank of America credit card protections

This is a notice to all bofa existing and/or future customers as a warning only.

In december of 2008 I received an automated phone call from bank of america stating that odd activity had been happening on my credit card account (Thanks to bofa for the notice). I was asked if several charges were in fact mine - which they weren't - and I was immediately connected to a fraud specialist. I live in southern florida, and the activities occured in southern california - 2 stores. While talking to the fraud specialist, I was informated that they had undergone a conversion in november, and had sent me a new card (Which I never received). Apparently (They told me) somehow my new card was diverted to somewhere in southern california because the purchases showed in bofa's system as being done with card in hand. At any rate - the account was closed, and a new card was issued and mailed to me.

Two things came to pass. First - the card that supposedly was diverted to california actually arrived at my home address the following week. Then, in another week, the new account card arrived. Second - and the major reason someone was able to use my account - neither new card required activation by calling a bofa number to authenticate that the right person had received the card. Because of this change in their processes alone, someone was able to make charges on my account, from which I was required to complete an affidavit and return to bofa to keep the charges from returning to my account, plus the time I was without the card just before christmas.

To existing card holders - be aware. As you approach the end of your current accounts valid dates, keep a close eye on your statements to watch for suspicous activity. If bofa were smart, they would return to requiring authentication for replacement cards, but if they don't then they're creating a potential issue for many customers.

Thanks for reading,
John

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5:35 pm EST
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Bank of America mortgage modification denial

First of all, my website containing my petition against Countrywide Home Loans: http://www.petitiononline.com/mortgage/petition.html

Countrywide has been absolutely horrible to work with in regards to a mortgage modification. I requested a modification because I strongly believe that Truth in Lending errors and possible RESPA violations were done when my loan was underwritten.

When my 2nd mortgage was funded, I was told the value of my home was $158, 000 through an online valuation they use. It turns out the online valution compared my condo (studio) to 1 and 2 bedroom condos in my area and over valued my home by $68, 000! Now I am seriously underwater and Countrywide refuses to work with me or even do the forensic audit I requested them to do. Twice I've asked them and twice they denied my modification request. Now Countrywide is telling me they will file foreclosure proceedings against me in February hence the reason for me putting up my petition.

Countrywide is horrible!

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cerminara
Kenosha, US
Jan 27, 2010 5:01 pm EST

My husband bought the extra disability insurance from country wide and when it came time to call on it we were told that it only covered 3 months (he broke his neck and back in july 08) we were told we had to wait 3 months before we could call on the policy, mean while 4 months after repeatedly calling country wide to try to make arrangements to no avail we were put into fore closer we tried to lower our payments tried talking to their bank and their attorneys and again to no avail we got no where but a summons to appear, when we explained about the extra insurance country wide stated that it was not their insurance it was outsourced not their problem so the courts agreed and started proceedings to foreclose after sitting in court all day we head to the bank to be told we were overdrawn on our account which was odd we had just enough to keep it open . long story short we get home and read our mail, , , we received a letter from country wide stating that an employee(now an ex employee) had sold my husbands identity .. we file A POLICE REPORT AND TO THIS DAY COUNTRY WIDE WILL NOT TAKE RESPONSIBILITY for our overdrawn account nor for the foreclosure on our home there was so many ppl we spoke with we couldn't keep track of who we spoke with after 3 notebooks and nothing but runarounds and alot of bsing from them i would place my family in a cardboard box before we took a penny from that company again so ppl please watch carefully to make sure our information stays just that yours

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Phyllis Halliday
Lakewood, US
Apr 02, 2009 2:38 pm EDT
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I lost my job (as a Mortgage Loan Closer) and contacted CountryWide to see if I could refinance to lower my payment. The loan officer said I could do the FastTrack loan and eagerly took my non-refundable $380.00 fee. Three months later I havent heard back from them. My phone call, which of course every one passed the buck, revealed I was denied approval for a new loan. How nice of them to contact me and let me know! By this time I cannot make my mortgage payments. I call again to get help. What a joke! No help available..." just stop making your payments" is what I got out of it. Absolutely a waste of time and $380.

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9:41 am EST
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Bank of America Loan Consolidation

I have five loans with Countrywide Home loan I have never been late on any of the loans, I contacted Countrywide and I explained to Frank Fimanio that because of the economy I am having a problem paying the first second and third I have on my primary residence so I need to consolidate the loans into one loan, he said he would have to run my credit. After running my credit he said if he was to consolidate the first, second and third on just one loan I would be saving approximately one thousand dollars a month, I said great. He then said I need to provide proof of income I explained to him that I am self employed and business is bad just like the economy but I provided my 07 tax returns. I was then transferred to Eric Lopez and after checking my tax returns he said I did not qualify to consolidate the loans in other words I need to prove I can pay one thousand dollars less a month to qualify for the loan. I was then transferred to the home retention department and I spoke with Faith [protected] ext 7894 she asked me questions, I answered and then she told me I did not qualify for anything because I am not delinquent. I am currently paying approximately $2, 500 extra each month Countrywide refuses to consolidate even one of the five loans I have with them. I spoke to numerous persons at Countrywide and they said basically as long as I am current we cannot help you and I don’t earn enough to justify consolidating the loans which will reduce my monthly payments. I explained to Countrywide that because of this economy I have burnt though my savings and I am running out of options. I called Countrywide at [protected] ext 8605 on January 06, 2009 and I spoke to Gabrielle and I explained my situation desperately trying to save my property and my credit, she said if I do not make the payment on time there will be a late charge and my credit will be impacted and if I fall behind I could sell the property back to the bank. It seems to me that is what Countrywide wants me to do. After putting a large down payment and paying on my property for years give it to Countrywide. Is not the billions Bank of America received from the government enough?

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Valerie
Valerie
, US
Jul 23, 2008 8:08 am EDT

I applied for a refinance loan with Countrywide at the end of March of 2008. After completing the application process and paying $400 for an apprasial, they told me everything was set, and my loan was approved and underway, with no out of pocket closing costs. I waited 3 weeks to hear from them regarding a closing date, and I came to find out that my agent was on vacation getting married. The manager that was supposed to take over my loan while she was gone never called me, even after my repeated phone calls (always getting voice mail). When she finally contacted me at the END OF MAY, she said that it turned out that I would need to pay almost $5000 at closing, oops. Needless to say I am disgusted, and will NEVER use Countrywide for ANYTHING, and will encourage my friends and family to do the same.

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Adam
, US
Oct 10, 2010 1:41 pm EDT

Countrywide's Home Retention Team should be thrown in jail with the CEO..Forbearance Agreements should be outlawed, and the Attorney General should have stepped in long ago. Throwing the CEO of Countrywide in jail is not enough. Corruption charges should have been filed on everyone that was involved illegal practices. Duping consumers into coming up with huge amounts of money then without blinking an eye continuing to foreclose on their homes is unbelievable. Where is the justice? The entire legal system needs some serious attention. I am very disappointed in our system. An Attorney I hired told me that there is no justice for the middle class...How SAD..

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Brody
, US
Jan 21, 2009 7:55 am EST

I read how the interest rates were dropping and now is the time to Refinance. Countrywide is my current loan holder so I called them to inquire about refinancing. I went over all my information and the representative pulled up my information and told me what my new interest would be and what the closing cost would be, approx 8000.00, which to me is too high, principal & interest and what my savings would be. He even said you may want to right this down. He even gave me what my savings would be. All I had to do to get the ball rolling was pay for my appraisal upfront. And I did.(DON'T DO THIS) wait until you receive the paperwork then pay for the appraisal if you want to move forward. Now that I look back I think that was his way of trying to give me a heads up. When the paper work arrived I went over it against the information I was given over the phone. The appraisal was done by a reputable company. I did check them out. BUT, Countrywide charged me more for the appraisal then it actually cost. Once the paperwork arrived and I went over it the closing cost were more than 13, 000.00. When I called them and spoke with my contact person, she told me that my interest was more. Also, on the paperwork the payment was higher than what I am paying now. THERE WAS NO SAVINGS. She didn't have to say another word. I told her THROW my paper work away. I will not be doing another loan with Countrywide. And I am keeping my paperwork. They may have settled lawsuits recently but I think they are still doing some shady business.

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Deborah M Chumley
,
Aug 03, 2007 12:00 am EDT

The mortgage company at the first of the year or in February changed their service fees. I choose bi-weekly method and depending on the day you wanted to schedule a draft, which could also include a late fee. So, I decided to go through MyFreeCheck.com to arrange the bi-weekly payment. That was in March, so the mortgage company was not drafting my account. But since then in Feburary/March I made an extra payment they have been taking out late fees from that payment I made. Is this legal for fees and dates to be set so that you have no flexibility. Although you have a 15 day grace period and a thousand stipulations if it is not submitted by the first. So, when I was submitting half of my payment at the end of the month and the other half before the 15th Countrywide was taking one payment that made it outside of their color coded date chart.

So, it made it late. I think this is taking advantage of customers.

Thank you for your assistance!

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IaK89
, US
Dec 08, 2009 8:08 am EST

I went to coutry wide home loans and got scamm by the home loan consultant and the realtor Noe ventura, they were charging me up money to fix my credit and other fees that i later found out were false, when i confront them Noe ventura call my friend a told him for me to shut up or he was going to call immigration on hime, so i stop for my friends safety and mine and my family after getting harras over the phone, email and text. Noe Venture is a thief . i even got a police report on them after. Stay away.

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sally
chanhassen, US
Feb 15, 2009 9:11 pm EST

Interesting point about loan consolidation. We have two loans with Countrywide, and we asked them to bundle the existing loans into one. ie making administration easier and hopefully saving some money.

Their response, they wanted to reappraise our property, and for us to pay thousands in closing costs - thus increasing our debt or for us to pay cash upfront. (which is totally unacceptable) I understand paying local mortgage registration fees and taxes but not for an appraisal and commission on a property they already have on their books. Surely to make two loans one is only a computer administration issue not a sales function.

Also, they questioned our income implying we earned too much to be considered for a consolidation - that was after talking about the appraisal and fees. So what is too little and what is too much - it seems that everyone is in either category, thus they do not have to consolidate anyones loans!

This organisation is out to make money, the borrowers are not their customers the banks, brokers and realtors are. As you say what has happended to all our money - we are taxpayers i.e. they are now our customers! - the government would have been better off giving everyone a tax deduction/cash return instead of bailing out the 'old boys club' in the finance industry. We need some tight regulation of these groups as obviously they are not capable of doing that themselves.

Countrywide and other financial institutions are out for themselves and no-one else. They pay low wages, do not train their staff to handle situations and to listen to their customers/borrowers - all they want is your money. Hopefully it will come back to bite them soon.

Everything is done within the 'grey area' which is very difficult to prove in a legal situation but is bad business ethics.

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Judy Sabourin
Fort Simpson, NT, CA
Jul 31, 2008 6:25 pm EDT
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same up North with mortgage and public housing...

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Howard
,
Aug 03, 2007 8:06 am EDT

It's not taking advantage of any one. How the payments are to be made are spelled out. Follow the instructions and you will not get a late fee and your credit report will not show repeated late payments. Stop using the “grace period” as a cushion. The due date is the due date. One second into the day after the due date it is late! PAY your bills BEFORE the due date and your self inflicted problem will go away.

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8:37 am EST
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Bank of America online bill pay

Damon Brown
20 Bay Cove drive
Stockbridge, Ga 30281
Acct #[protected]
Acct#[protected]
[protected]
[protected]@yahoo.com

thank you for destroying my life. For 2 months i've been having problems with online banking pulling funds from the wrong account. i've been trying to stop this . i call every two weeks when this happen and a representative walks me through step by step and tells me the problem has beeen solved and this wont occur again. two weeks later this occurs again and i start the process over again. the rpresentatives dont take notes for the next time when i call so it causes more problems and they are not aware that this has been going on sometime but i beleive the representatives are trained to make the customers fell like they are at fault. up to today this problem has caused major major problems. i have direct deposit and it is almost taking my check every two weeks. bills are not being paid water turned off and etc. since Dec this has cost me (including my pay check )around $2000 and counting. my purpose of opening my new account and start using online bill bay was to manage my money better, watch what im spending and to keep track of my money being the way the economy is. Big mistake. Bank of america made my life a living hell. i would tell everyone to run far from this bank. the worse. I've contacted BBB and i may contact other local television to tell the people in georgia beware of whats going on. the online bill pay is to confusing and ruined my life. Now i know when someone at bank of america read this letter. no actions will be taking and thats fine because they probably get letters like this frequently but if this will stop them from doing to other people what they done to me then that good enough for me. and if you can sleep at night after treating people this way then God be with you.

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bostonnj
Hingham, US
Jul 31, 2010 10:49 am EDT

I have been using online Bill Pay through my personal BofA account for at least seven years. Last month, I paid two of my credit card bills online and somehow that information was lost from their system. Fast forward to this month, I receive my statements showing late fees and interest charges that should not have been. I called BofA and they informed me they had no record of the transaction (naturally) and suggested I write down the confirmation numbers presented when submitting online bill payments. Lesson learned for me. I have to believe that there was some internal system issue that lost my data, and am posting this to see if others have ever experienced this issue. I have never had this issue before, pay all my bills on line each month--- just seems very suspicious that two bills I submitted for payment in the same session were not paid. I do agree that it could have been user error (me) but think it was pretty unlikely given my experience in using the UI.
Has anyone experienced a similar issue?

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Dan Bell
Pasadena, US
Apr 28, 2009 1:21 pm EDT

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

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10:06 am EST
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Bank of America secret life insurance policies on employees

A Texas law firm is investigating Citigroup and other banks for taking out secret life insurance policies on current and former employees, and collecting the benefits when they die.

http://insurancenewsnet.com/article.asp?n=1&neID=20090113290.2_e8e10061f739577c

HOUSTON, Jan 13, 2009 (BUSINESS WIRE)-- Attorneys from Houston's The Clearman Law Firm ( www.clearmanlaw.com ) are announcing a nationwide investigation of banks that have purchased secret life insurance policies in order to collect benefits when current and former employees die.

Many of the world's largest banks have purchased "bank-owned life insurance" or "BOLI" for years, including Bank of America, JP Morgan Chase, Bear Stearns, Citigroup, Wachovia, Washington Mutual, Wells Fargo and many others.

"We are investigating banks that insure the lives of employees without their knowledge or consent, " says class-action attorney Scott Clearman of The Clearman Law Firm. "These types of policies benefit only the banks, not their employees."

In a BOLI program, a bank designates itself as the beneficiary of life insurance policies covering its employees. Nearly half of all U.S. banks have reported owning BOLI policies at an estimated value of $120 billion.

A bank purchasing a BOLI policy must provide the insurer with personal information belonging to each covered employee, including his or her name, sex, age and Social Security number. Employees' Social Security numbers are then used to conduct "death sweeps" where banks typically hire outside brokers to sweep public records in order to learn if an employee or former employee has died.

A person whose life a bank insured without consent may have a right to sue for the bank's misappropriation of their identity (name, sex, age and Social Security number). Employees may be able to recover profits made by the bank, broker and insurer.

"It is ironic that thousands of bank employees have been laid off, and yet the banks still stand to benefit financially when those employees die, " says Mr. Clearman.

Since the early 1990s, Mr. Clearman has been a pioneer in class-action lawsuits against employers for wrongfully insuring employees' lives for the employers' benefit. Following several individual lawsuits for the families of deceased employees, Mr. Clearman pursued landmark class-action claims against Wal-Mart and Fina that resulted in major settlements for his clients.

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Bank of America stop fee

I requested a st0p payment a few days ago thinking that it would be better for me have the check destroyed and stop the payment of the check just in case someone found the check and tried to order something online. I checked my account yesterday and found that I was charged $28 to stop payment on a check. If I would have known that there was going to be a fee, then I never would have proceeded. I did this online and I was never prompted that there would be any fee. However they informed me that in the little print (8.5 font) that it mentions that a fee could be charged. I'll be damned they were right. I tried to explain to their customer service department 3 different times, 3 different people and they all told me that the could reverse the stop payment, but they could not reverse the fee. Bank of America has the worst customer service that I have ever experienced with a bank. I guess if you want to be able to have banks all over the country, you have to pay for it by crappy customer service and fees that they don't tell you about until it's too late, or in my case they hide it in the smallest font possible and when you dispute it they just send you on your way. AHHH! I just needed to vent and share my experience. Needless to say, I will no longer bank with them.

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goodbyebankofamerica
Midland Park, US
May 07, 2009 1:03 pm EDT

I experienced the same thing. It SHOULD say "By clicking here, you agree to pay $30 stop payment fee". Instead it says "You MIGHT get charged... click here to see your schedule of fees" If you click on the schedule of fees before proceeding, and look under the type of account you have (e.g. MyAccess Checking), there is NO mention of a fee! However, If you scroll down 10 pages, the 2nd to last box on the page, it says ALL ACCOUNTS INCUR A FEE OF $30 FOR STOPPED PAYMENTS. Why not just put that on the page where you enter in the check # and hit "Continue". Nobody wanted to help me, neither online nor in person, so I closed my account on the spot. A huge pain. I have been with BOA for 10 years and never had to pay a fee for this before but they are just SO unwilling to be reasonable. This is the sort of thing that should have been a no brainer for them to refund. $30 is a lot of money to me, not to mention the principal of them sneaking this fee in after the fact.

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Dan Bell
Pasadena, US
Apr 28, 2009 1:31 pm EDT

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

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Bank of America Unauthorized billing

I authorized FIA Card Services to do an automatic withdraw from my checking account for my credit card payment each month to ensure timely payment of my payment. FIA Card Services is deliberately taking the automatic withdraw 4-10 days after the payment is due and CHARGING A LATE FEE. I am attempting to get the automatic payment stopped but FIA Card Services is reluctant because my account has been PAST DUE and is subject to a LATE FEE--a late fee it created. After some brief internet searches, it appears my situation may be one of a number a common tactics by FIA Card Services to generate $30-$50 late fees on accounts each month.

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virtuousladyj
Silver Spring, US
Apr 16, 2009 9:12 am EDT

I am having the same issues with FIA.

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Bank of America Raising Interest Rate Arbitrarily

I have been a card holder for 10+ years. I've had the rate of 6% the entire time. I've been paying $100/Month, and have been doing so for about 5 yrs. I get charged $16 or so per month in finance charges, and occasionally make purchases. I don't even look at the statements except online to make sure no charges appeared that I didn't authorize. I'm willing to eat the $16 for the convenience of keeping the 6% rate.

I've continually held a high balance because I've been paying off other debts for these 5 years, and am 3 months away from doing so. This month I noticed on my credit monitoring service that I had a delinquency. I immediately went to my Bank of America site to make sure the payment had gone through. It had.

Low and behold my interest rate had been raised to 19.99% without my knowledge. they had also doubled my minimum payment. I had been lax for the last 3 months, and have now amassed several hundred in late fees and will have my credit destroyed.

Can anyone help me to figure out if I have any recourse? Are there any class action lawsuits out there currently in regards to this? If not, any lawyer want to start one. This is obscene and violates any sense of decency in lending. My debt to incom ration is miniscule, I haven't been delinquent in over 4 1/2 years (they were aware of these). My available credit is pretty substantial, my score is mid-700's, and they are mailing me a statement as to why they raised the rate, but the gist was "concerns over the balance being carried, along with something on a recent credit inquiry that have caused us to raise the rate". I have made no purchases, no new credit, no credit line increases, nor anything which should trigger this.

The rate had gone from 6% to 19.99, and apparently now has gone to 29.99% this is institutional rape. I will be facing years of a lower credit score because some analyst decided that if they raise the rate on a certain niche of people, only "X" percent wil actually check their statements, and because we are so big, they will be forced to pay us fees. This should result in a direct boost to the bottom line of "X"/ per 1000 people we arbitrarily raise the rates on.

This is disgusting and violates fair lending practice.

In this time when the country needs people to spend, I’ll eliminate all credit, not purchase until later and wait until I get cash. I know this is the sensible thing to do, but the credit card companies should throw a parade for people who carry a high rotating balance and pay on time.

I need some legal help, and I'm sure I'm not alone. I now know that I should check my interest rates and every little thing on every piece of paper I receive from every company.

I'm going to need an assistant to do this. Maybe I'll just sue the crap out of them, and have the money to pay to have someone check the fine print on every monthly statement I receive. I’m serious, if there’s a lawyer out there doing this or thinking of doing this, I’m in. FIA, if you’re reading this, shame on you.

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Laniefrances
Shallotte, US
Jun 19, 2009 4:32 pm EDT
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Fia raised me from a promotional 1.9% to 15.99%. Outrageouss and immoral. This economy will never improve while the banks are allowed to continue with these practices. Doesn't the government see the light? We can't spend on new things and boost the economy if we're trying to pay off our credit card debts at these high rates of interest.

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Gary
Andover, US
Jun 02, 2009 12:06 pm EDT

My FICO is over 750, I am in a better financial position than I've ever been and out of the blue, FIA decides to DOUBLE MY INTEREST RATE from 11.99% to something like 22%! Damn crooks!

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R Saulus
Santa Clara, US
Jan 01, 2009 5:18 pm EST

I also had a FIA account recently, we were paying 12.99% for many years, always paid on time, and always paid double the minimim payment. We were shocked when out of the blue, with no warning, they raised our rate to 27.99%! Our payment doubled, and when I called them, the lady I spoke to couldnt even believe this was happening to us. We have excellent credit, so this made absolutely no sense, and they could provide no answers or excuses. I believe this is against some kind of law. It is so morally wrong, especially in this current financial crisis. Now they just raised APR to 29.99% because we didnt pay the huge bill they sent on time. This is a terrible corporation, please think about not signing up for this credit card, they have shady practices!

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Bank of America endless list

About 3 years ago I opened an account with BofA, checking and savings. I was told that I would get a 25 gift card for opening my checking account, a $10 gift card when I opened my savings, and another $10 for referring someone to their bank. I did all of that. After 9 months or so, I was getting pretty crappy customer service, so I decided to complain about the fact that I had never received any of the gift cards. The person I spoke with said I would need to talk with the person who opened my account for me. That person was no longer there. I moved to another bank immediately.

I still have a credit card with BofA. I have used their online service to make my payments. They did not post my payments in a timely manner, and now they are charging me 30% interest on my balance. I transferred some of the balance to lower interest cards. They did not post the transfers timely either. I paid interest on the same money to two different credit card companies, for 8 days the first one and about 14 days on the second one. This should be illegal. I think it is, and so does my attorney. If anyone out there is interested in getting in on a class action lawsuit, please contact me.

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kdmd
, US
Jul 10, 2009 12:42 am EDT

I don't even do business with them but made the mistake of giving them permission to take a one time payment out of my checking account for my fiancee's credit card payment.needless to say they stole my money today and when I tried to call them of course I got transferred by a live person to a recording!they have been trying for 3 months to take money out of my fiancee's account that has been closed for the 3 months and we have told them this until we are blue in the face!

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Bank of America an inaccurate past due amt. on loan

Countrywide is showing we have a past due (30day) amount of $1, 208. We were approved for a loan modification on Acct#[protected]. The new payments are $1585.24 @ 3% interest for 5 yrs. The amount they say is overdue is the old loan monthly payment of $1, 208. The paper work we have shows the restructured amount was approved for September 1, 2008 through Aug.1.2013. We have called and called to try and tell them we have the approved paperwork for the new amount that we HAVE BEEN PAYING ON TIME EVERY MONTH, yet they are charging us late fees on the old amount. Please fix this. Thank you.

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Bank of America loans and service

Well, where to begin. We had excellent credit- we purchased a home in 2002 in Missouri. Our first mistake was Countrywide. We were in formed in 2006- that we should have never gotten our loan due to ineligible house. At that time we wante to know why- apparently the apprasial company (they hired) had not put info in the first apprasial when we purchased the home ( a mobile home wall still existing in the walls). We know that they knew, because the apprasial people knew about the home when they did that "BAD" apprasial -we got that from the horses mouth themselves.
So, we got the loan no problem cause our credit is great. Only to find out when we tried to sell the home- that no lender, not even Countrywide- would give a loan to ANYONE on our house! no banks would touch it because of the apprasial problems. Needless to say- through tears- 8 months...went by. I had people who loved the house- regardless of that mobile home wall - it had 5 ac, big shop- beautiful land...but no one would help us. We couldn't find a lawyer with guts enough to help us, though we have all our paperwork- all the headaches documented.
we decided to do what they call a deed in lieu- which is to basically give the house back to the bank- all our hard work and money LOST! They acted like that it would work that way- they drug that out for months- only to loose, shred or misplace documents (so we were told ). Our file was juggled around through several incompetent people- and we got josteled around so much it was sad. We got treated like all this was our fault...
I had had enough- I left the house to go be with my family. It is still being drug out...we have told them just to foreclose it...and leave us alone. They have set a foreclosure date- and that has changed a few times since our notice. Everyone who calls us has NO IDEA what has gone on, nor do they care. They ripped us off, ruined our credit, and fiancially hurt us- we were expecting to sell a home...get some cash for our next home...now- we are renting cause we don't know what they are going to pull on us, this clearly is a case of lies and deceat on their part- and this is only part of the story...there are plenty of details and problems with them that I left out.
please...if you are looking to buy a home- do NOT use Countrywide!
If there is a lawyer out there willing to help us or know someone who will- please let us know. Here are 2 numbers you can reach us by. [protected] 0r [protected]
thanks for listening

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RomanRealtors
Santa Ana, US
Mar 18, 2010 4:16 pm EDT

You must consider a shortsale most people do not realise that the bank does not care about the homeowner and there are millions of boiler room scams offering loan mods popping up every day . Out of 4 million homeowners facing foreclosure only 135, 000 have been helped thru a modification, companies are no longer allowed to charge for modifications so anyone offering their services at a price is a scam . I suggest talking to a licensed real estate agent about your case.
www.romanrealtors.com
also many people do not qualify for the 5 requisites the bank requires .

we do not charge for modifications or shortsales the bank pays us. We wont ask u for a dime.

Joaquin Roman
Owner
Roman Realtors and Financial Services, Inc
3005 S. Bristol
Santa Ana, CA
http://romanrealtors.com/
[protected]

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Eric
Brooklyn, US
Dec 22, 2008 4:20 pm EST

They had my wife re-mortgage our home without my consent, and they put her in a program that increased our mortgage payments up, up up every 6 Months, i finally got out with another bank who in turn sold me right back to them, Now i have had a triple bypass and send only what i can, limited funds, now on SSI, reported it to them and now they just say to me, or send letters saying, we are in the process of foreclosing on your home, wow what a Bank, they should be sued, anyone want to start a Class action lawsuit please contact me here and lets all get together and start one.
As far as the Government, why can't they do something about this... with all the complaints the US Government should do something.

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Bank of America - overcharged

That's right, another complaint concerning overdraft fees with Bank of America (BOA). Before you naysayers rise up against me, let me first tell you that I did not monitor my account or my spending as closely as I should have. Now with that being said, let me say this. My checking account was -$136 (negative). After discovering this, I immediately...

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Bank of America - bad customer service

During the week of 8Dec2008, I had a notice of insufficient funds notice on my account. I went to the bank and atm machine to make a deposit to get the account out of the red. I later learned there was still another transaction pending that would keep the account in the red. I called customer service and I told them that I was expecting some money the...

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Bank of America crazy fees

I had a check to cash from Best Buy for $300. I went to Bank of America (where Best Buy do thier banking) to cash the check. I do not have a checking account with Bank of America.

They wanted to charge me $6 to cash a check drawn from thier bank!

How dumb is that.

With all the banks asking for a bail out, you think Bank of America would be helping people. Now they create a dumb policy to stick it to the customer one more time.

Close your Bank of America account today before you have to write a friend a check. They will name them too!

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juana aguiniga
Pomona, US
Feb 25, 2010 10:58 am EST

bank of america charged me at first five dollars for insufficient funds and then thirty five for ten days of extended period

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Bank of America cancelled without notice

We have always paid our bills on time and in full. However, after relocating to California as a business promotion 2 years ago my husband was fired in March 2008 from his employer after 12.5 years of service with nothing but 6 weeks of vacation pay because the company was filing chapter 13 due to the economy. While we have been fortunate to make a good living we now own a home worth $400K less than the purchase price and as of December have run through most of our savings to try and keep our home. My husband is self-employed making half the money but we have stayed current on every bill and even paid 2X the minimum trying to get credit cards paid down. We have been late 3X on our mortgage, over 30 days but no more than 35 days due to cash flow. However, we have NEVER< EVER been late on any other bill. Last week I received notice that one card, which we had paid down by over half owed, was lowering our credit availabilty...to just $200 over what we owed...the lowered it over $6K...FINE but doesn't that hurt my credit further? Now BOA is has just sent a notice that they are cancelling our line of credit but thankfully it is a fixed rate and they just have to wait for us to pay it down. However, that again is going to damage our credit. While we should be able to pay all of these creditors off in the next 6 months our credit has been TRASHED...and by nothing we have DONE or DESERVED as consumers. I feel like a noose is slowly being tightened around us and wonder why we should keep trying to "DO THE RIGHT THING". Why are we bailing out banks when they are taking our money and RUINING everything we have built financially? There has to be some type of LAW during times of extremem crisis, like now, that would prevent these vultures from feeding on WE THE PEOPLE! It is not right. It is wrong. It is time someone did the RIGHT THING in OUR GOVERNMENT to be here for WE THE PEOPLE>...what is wrong out there?

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QueenSultana
Winter Park, US
Dec 30, 2008 11:03 am EST

1txgal...I feel your pain because the exact same thing was just done to me by Bank of America. They reduced my credit card credit line by $11, 000 to where it is now only a few hundred dollars above my limit. This was done despite the fact that I have never paid late nor have I gone over my limit in the 6 years I have been a customer. I spent about 3 hours on the phone with them, but to no avail. Their justification is that I was unemployed because I just graduated (a few weeks ago, mind you) and was awaiting my bar results to be able to practice law. I explained that that should have made no difference because I always paid more than the minimum payments, even when I was out of school, and that they have no legitimate justification to all of a sudden cut my credit line by half. I am furious because this will surely hurt my credit score since I am now close to the limit (while before I was below 50%). The only thing I got from BOA is that I should call back in 6 months after I have made more aggressive payments (even though I already pay well over the minimum payment each month). I have been a BOA customer for 8 years now and am seriously considering closing all my accounts because this is ridiculous. They should not be able to get away with this!

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Bank of America overdraft fees scam

This Bank practices the art of holding transactions so you think you have a positive balance then they post them when your account is low, they pay the outstanding transaction that they hold themselves and charge a fee for every oustanding transaction, they charge the fee several time hoping you don't catch it. When you call customer service they tell you it is perfectly legal and will not refund a dime. This bank scams the little people because if they tried this with big companies they be in court in a second, and have to pay federal fines for their practices, yet they get away with doing it to the little guy. This bank has stolen thousands of dollars from me in the last six months and keeps telling me they will investigate it. the truth is if you don't get it satisfied within 45 days they own your money. Bank of America needs to be in federal court about there overdraft fees and banking practices.

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sixftdevil
Beaumont, US
Jun 01, 2009 10:21 pm EDT

I also have seen how the act with the fees. I have lost thousands of dollars. I was told by one of the account specialists that if you make a transaction that is under 10.00 it will show as a pending transaction, be taken out of your account, then "fall off" for 3 days and then reappear to be taken out of the account. After inquiring about the "fall off" she explained that the money is added back into the account and then removed again at a later date. I will be removed on the date the card was actually used. If you read the coding that is beside the description of use of the card you will see a date inside there. That is the date that you supposedly used the card and the date that it will be removed, when the amount is finally settled and removed. They slam your account with 35.00 fees so that your larger amounts that get deducted from the acount are now insufficient. And they get to charge another fee. Every transaction that I made in this account under 10.00 has a 35.00 fee for insuficient funds attached to it. I am a sick man see doctor on weekly basis I can't afford this, and now no money for medicine or bills or gas to work. GOD HAVE MERCY

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Bank of America abusive fees

I have told the bank of america on more than one occasion that I do not want the courtesy of paying an overdraft. They were told very clearly. Yet this happened again. Overnight within minutes a deposit that covers everything with extra cam in and my rent and phone check as well. Actually the phone had to bounce as it did create an overdraft. Yet they have charged me 9 x 35 and it is growning. I had a good deposit come in today and it was in the black but I was hit with 2 more overdrafts. I am on social security disability and this is past abuse. I called the bank and my premier banker 2 times and they all went into the specifics of 12:00 and 12:0 and my banker said she submitted a request for a refundfor 7 of the fees. It never happened. I am closing my accounts and I want my money back! I am writing to everyone news, government agency, rip-off blog that I can find! All because they did me this coutesy that I clearly stated no tot do. I am behind in my credit card and have$15 in savings so why would they pay iot? To rake in fees for many days. Since the limit is 5 a day, they just keep some spending and of course with all the fees the transaction and automatic payments, like the gym, create more overdrafts. They first day this happened I had received my pension and ssdi check, paid my $900 rent and phone and then they took all of my money. I had a little left as it started so I transfered %50 to savings so I could eat. I can not even get my medication, which is a struggle at several hundred a month not counting dr visits. The elite officials can take millions as bonuses, squander bail out money, and all the while the big bank of americarobs me of my little money I have to survive. I am also sending this to all of my government officials as this is beyond criminal. I would be laughable, that they refuse to bounce my check except it is all for the purpose of abusive robbery. You want support and then allow this? It is an outrage! I want no more ties and I want my funds returned minus the one that should have bounced since it missed by one minute. I demand that you look into this as it is commonplace. Will all that read this please contact your congressman, governor, senator,

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B of A former Client
Raleigh, US
May 05, 2009 6:56 pm EDT

I agree 100 percent. B of A seems to manipulate the online banking timing to create ridiculous fees at 35.00 each. I've seen the order of transaction change day to day to maximize the number of fees on tiny withdrawals. It should be sanctioned aggressively via Class Action.

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Bank of America Awful bank

A villa was purchased when there was money. I am on a fixed income $1, 600.00/mo and have been since 1992! We had to use equity after my husband lost job Feb 2006. No Job, no more income. We applied for a loan. We received this loan through Countrywide Finances; when my husband was still out of work at 61 years of age. No hope for employment and Countrywide still gave us a loan. A 15 year mortgage for a villa of $198, 000.00 dollars. "That's ok; we can work it out..." I was too tired to fight any more, they said yes, so we signed.

I had to exhaust my mutual fund account and what part of my Roth IRA, I could. With medical complications, more bills, we maxed out that credit card. We asking Countrywide to stop collecting our escrow and return our money. I get an 'OK, no problem.' Surprisingly within a week we had our escrow money. At least that dropped our payment to $1.500.00 monthly.

Then we received a letter dated October 28, 2008 with a message saying we were expected to pay our Real Estate Taxes. No fooling? At least there was enough money in escrow to pay the taxes. We were not willing to risk letting them lose that money! Yes, our taxes are paid!

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Bank of America customer service

I helped my dad call BoA to ask for a lower interest rate (he doesn't speak English well) on his credit cards, and my dad had called earlier this month, but he didn't really understand. So I was talking to this lady, and she pretty much said that he wasn't qualified for a lower interest rate, and can only be if he pays on time. (which he does, but I didn't know that until after the call because my dad went to the store right after the caller person talked to him to let me talk about his account- so what is this lady talking about?} She seemed nice, until she realized that his account was in a lot of debt and that BoA had canceled his card. I understand canceling the cards, but damn, her attitude was totally different. And then I asked her what we can do, she pretty much said there's nothing to do. And then I asked for a supervisor, and she said she was the highest I could go. And then I started saying that she was not helpful, and as I was about to say I wan
ted to speak to someone else, she hangs up on me. HANGS UP. And then I call back, and ask for the person I was talking to so I could complain about her, they said they have no record of the call. Of course there's no record. She probably didn't submit it because she hung up on me. Really? I mean, right now, some many people are in trouble, and she has the audacity to hang up on me and not let me talk to some one above her? I did not believe her at all that she was the supervisor. So they gave me an address that I can send a letter to, but that really does no good because its not like they can find out who it is. I can't believe them. My whole family is at BoA and I will definitely move them, and tell EVERYONE NOT to use BoA. Just because they are the only ones surviving this crisis, doesn't mean they can treat people like crap. I can't believe them.

I am letting everyone know BoA customer service sucks. I've had many more problems on top of this, but I am so frustrated, because there is nothing I can do about it except complaint.

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Bank of America Customer Reviews Overview

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

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

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

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

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

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

Bank of America In-depth Review

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

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

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

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

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

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

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

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

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

Overall Rating and Conclusion: Bank of America is a highly reputable bank that offers a wide range of services and products. The bank's customer service, online banking experience, and account options are commendable. The loan and credit products, investment and wealth management services, and branch and ATM network are also impressive. The bank's commitment to transparency, community involvement, and corporate social responsibility further enhances its reputation. Overall, Bank of America receives a high rating for its comprehensive banking services. However, there is room for improvement in terms of fee structure and further enhancing the online banking experience.

How to file a complaint about Bank of America?

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

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

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

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

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

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

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

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

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

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