Bank of America
Reviews and Complaints

Bank of America filed an illegal fraudulent lien on my property. I bought a waterfront home site in October 2007 with clear title and title insurance. In 2010 I paid off the property and built a house paying cash . In October 2012 I sold the home and scheduled a closing for October 30, 2012. On October 15 the title company discovered an illegal fraudulent lien-of my property and contacted BOA. They admitted that it should not be their and submitted it to the "Corrective Actions Department". BOA admits the lien should have been on my neighbors property across the street BUT they are still stalling on removing the lien from my property. If they do not remove the lien by October 30 I will be in violation of contract and may lose my sale of my property. This is a $250, 000 property. They have committed a criminal activity and are restraining my ability to sell my proprty

I have been trying to get a loan modification for almost 2 years now. It started when the film and
TV writers went out on strike and I was out of work for almost 8 months. This was about the same time when the economy crashed and the housing market also crashed. I got some work at the Art Institute of CA. I was forced into retirement last October 2011, because the union had raised the number of hours needed for medical benefits and I couldn't find work since companies were hiring kids out of school for 25% of what I made. I filed for a loan mod with B of A and it was turned down because I hadn't missed any payments. I didn't matter that I had lost just about all my savings trying to pay the mortgage. I tried again, no dice. I went to the Mortgage Law Center, they just had me file out the same paper work over and over again, what a scam and a waste of money, they made it seem like they have teeth, what a joke, they didn't even have dentures. To this day I'm still trying to get a modification through NACA, we'll see how that goes. Trying to get though to anyone at B of A without getting hung up on is also a joke. These guys are the worst. This will be the first month I won't be able to make my payment, maybe things will change after that. B of A, you took a lot of our money in the government bail out, now it's time for you to step up to the plate and help us out after you've taken away all of our equity, helped to reduce what the middle class gets paid and took us to the bank, so to speak!

Bank of America issued me a cash rewards card in 2011 when my credit score was low. I was using the card for over a year and made payments on time every month. Sept 2012 i sent over a pyment to pay out my balance. A week after the bank recieved my payment and my balance was piad they sent me a letter stating that they reviewd my account and they are closing my account. I called to have my Cash rewards sent to me and was told that when the account is closed the cash rewards can't be redeemed so i argued that how would anyone would know when the bank is going to close thier account.

So now i figured wow they can have all those ppl using thier CC and when BOA needs some cash will close few account and not paying thier cash rewards.

Thank you bank of america for stealing our money. Thank God i was able to pay off thier card and not give them any more of my hard earned $$

Deceiving message about $20 Amazon reward for the Bank of America survey completing. Possible phishing site.
The survey's site: http://t2.ktrmr.com/surveyr.aspx?i.project=F646E&s=GEN24&id=1&chk=000&pid=plawRQymnQ&Seg=1&Mod=XX&BOAPid=21377990

After refinancing we were bought by Bank of America and like millions of people we hit a bump with our payment and asked if we could modify our mortgage, after a few months they agreed and a few more we signed the papers . As of now its been 17 months an thy say were still on trial although we have never missed a payment also we are ow sending in 2 checks instead of 1 one for the mortgage one for the escrow they say we fell behind..we now owe almost as much as we did before the problem and on our credit reports have been all but trashed.i thout we had bailed these big ole banks out now they treat us like crap shame b.o.a. shame.

I just received my spouses 2013 Health Plan Review for BoA, and it is little to be desired. The largest bank in America of course has to justify all these new rules due to supposed increased costs at 9% annually. They are making it impossible for the average consumer to obtain health insurance! Just because the costs go up supposedly, does not mean it ALL has to be passed on to their employees. They are also trying to say they will reward you if you manage your healthcare via a screening and assessments, I do not need them to manage my health or have access to my health with the costs that are associated with it! Also, they make it IMPOSSIBLE to communicate/complain to them which is my right, they can ONLY speak to the employee even though dependents are affected as well! I am considering getting off my spouses insurance, and letting my spouse just get coverage for him and our children because that is a bit more cost effective, maybe Obamacare is a GOOD idea.

I applied for home refinancing April 06, 2012 with Bank of America. I was told the process would take around 6 weeks. I hand carried to the bank all necessary documents. My case was transferred to 4 different processors. I contacted my refinance officer and had my case expedited to a supervisor. It is now 5 months later and was told that my case is in review with the underwriters. Then I was told that there is a backlog with the underwriter and now my status is pending. i cannot get them to give me a closing date for this loan. I thought to seek refinancing with a different bank, but to start this process with a different bank would be fruitless. I reviewed other peoples complaints on the web and realized that these delays are with all of the banks. At this point all I can do is wait and keep contacting the bank for closing date. Hopefully these complaints find there way to the State of Florida attorney generals office.

Ok, Bank of America officially sucks. I'm an international student who opened an account with bank of america because it seems so established.Boy, i was wrong. While on summer break in Singapore, BOA closed my account without any prior notice. When i called them about it, i was transferred a million times and every single time I called, they gave me different solutions. Guess what, none of them worked. It was as if those BOA staff are just making up solutions from their own imagination and they obviously don't know what they are talking about. I went through so much trouble( hours on the phone - a LOT of money wasted because I was calling from overseas), and countless visit to merrill lynch branch in Singapore, all to no avail. So I'm screwed, basically. I can't pay my tuition fees because BOA closed my account and wouldn't fix it. Thanks a lot BOA. I gave you money, but you gave me crap. Good job!

From now on i hate additup and macys.com!
I find making purchases using your system absolutely nontransparent and prone to abuse! this is the only website (macys.com) i used who didn't make cash back on time first time and the second time they didn't make any cash back at all and explained it as a customer's fault though i'm as a customer follow all the rules and make purchase only using addit up links. and i haven't had any problem with the system before i purchased something from macys.com.
My additup history shows that i have never had any problems before "shady" practice of macys.com/additup.
From now on i stop using bank of america additup website and the credit card because it's very unreliable and customer-not-friendly system!
Macys.com sent me email with the new (even lower) price on men's shirts. i used their link to find out those prices and when i saw that the price was really lower i closed their link and went to additup website to make the final purchase.
The aditup link led me to the same prices and i didn't use any extra or special codes/coupons! i just added the shirts to the cart and placed the order. it was the regular purchase through the additup link! my previous purchases are the proof that i know how to use the system, i have never had any complaints before.
But macys.com denies my right for cashback i was entitled according to the rules of the system. with the last purchase i feel abused because it's my second experience with macys.com and the first one was also not stress-free. i called to additup customer service about the delayed cashback from macys.com and only after that call the cashback was posted. but this time they didn't give anything and the most terrible part is they insist i used some other website link or promotion. it's unfair and shady!
Stand by your customers! improve the transparency of internet shopping because the situation i dealt with is looking like the bank and the retailer are in cahoots/conspiracy!
I can give you an example of fair practice retailers like homedepot.com, lowes.com, acehardware.com. they appreciate customers and honor their "little joy of the cashback". this is the real deal - to leave customer happy but not feeling dumped like me!

Struggling with making home payments. At first I was doing good and giving more than required payment and was also able to refinance. In 2005 my husband died in accident and started having trouble making payments on time received letter for modification plan in 2010 and for 6 months giving partial payment not knowing had to pay remaining balance at end of six months which made things harder and started falling behind. At this time speaking to BOA case worker almost daily discussing options of modification plan and repayment plan. I was told had to give one month payment and the remaining behind balance divided by 5 months and at the same time asked me to fax modification plan information which I did. I send a 1200 cashiers check which was later returned telling me I never commuted to plan I was then told I could only do one modification plan or repayment plan. I really need help they keep giving me different information. I only owe 29, 000. From 120, 000.. Please help, been talking to them frequently and seems they don't want to help me rather take my house

I got ripped off by Bank of America!
There is six $35 over drafted fees showing in my check account today, and i called them yesterday and asked about why is there so many over drafted fees and the guy told me because of some banking error and will refund all the fees for me and required me to call back the next day which is today, so i called again, and what they said today is totally different, they refused to refund the fees and the guy hang up on me twice! he couldn't explain the reason why i got charged for so many times, i had $250 deposited into my check account on Aug 21th and i transferred $160 into my saving and i got three over drafted fees that day for previous purchases by then my checking account was -$35.59 but my saving had $160 in it, then there is two more purchases $28.17 and $27.28, since i have over draft protection service, if my checking have not enough funds, it will automatically transfer funds from my saving to cover the debts but i still got over draft charges for that, and they hold all the money in my saving account, that guy told me because i transfer the money on Aug 21st 5:45 AM which is after the cut off time so my saving had not enough money to cover the purchases i made on Aug 21st, WTF? i thought the money was available on Aug 21st since i made the transfer in the morning of Aug21st, but that guy said it's after the cut off time which is 5PM, he didn't even know what hes saying @@ and his attitude was really bad! " WE WILL NOT GIVE YOU ANY REFUND TODAY!" and i said i totally understand and i just want you to explain all those fees and he hang up on me!
PS everytime i use my debit card i check the available balance first and make sure there is enough funds, this is being so ridiculous, i think they got addictive in getting sued.

BANK OF AMERICA

The nightmare began July 11, 2012 when we received a notice of intent to accelerate, which is basically a default notice from BOA
We recently signed a loan modification with the Department of Veterans Affairs which holds the note to our home. Bank of America is not the assignee of the note, but a servicing agent which the VA chose. At no time have we received a default notice from the VA. In fact we have been making timely mortgage payments to Bank of America since May 1, 2012 in accordance with the Loan Modification effective date and all checks have cleared.

Other veterans who have signed on may be receiving the same default notices.

We are extremely thankful and grateful for the opportunity extended by the VA to reduce our mortgage rate during these difficult economical times. We have been in full compliance with all terms of the note and mortgage held by the VA. Unfortunately, administrative and communication problems between VA and it's servicing agent BOA is a disservice to veterans causing undue hardship, erroneous default notices and negative credit report.

Regards.

Ianeta Kappel

I had been on my computer trying to get work from home, I received a letter in the mail with a certified check for 900.00 I to be a person to purchase $50.00 from Wal-Mart and write a summry of the services, then get a money wire sent to a person, then call the phone # given to let them know i had completed the job, and I would get another job. I spoke to the lady at the bank and she verified the check as being good. I didn't know that a few weeks later the money amount would be placed by bank of american on my bank of america credit card.

After many failed attempts in trying to reach a conclusion on my matter, I decided it would be best to write a letter to express my dissapointment in your business and the people who represent it.

My name is Jason Burlin, and I have been a Bank of America customer for many years. My business finances, Laprom/Blush Moving is also run by your company. Recently, I have been having some issues with my account. I have called many times trying to discuss this situation with your representatives, but sadly they had no answers to my questions. The poor customer service and the lack of attention has drove me to this.

It seems that the overdraft fees that keep appearing on my account are more of a scam than a mistake on my part. The past seven overdraft fees would have been avoided if your company had process them on time. It seems like you put the checks on hold for a couple days, then when the account is low; you charge them all at the same time. This action has resulted in over $500.00 in overdraft fees alone.

Every time there is a fee I quickly deposit into my account within 24 hours. Yet, it seems your company continues with the unethical method. Holding checks and processing them when the account is less than the total of the checks. This might not seem as a big deal to you, surely your representatives didn't take this serious.But, after we have requested to not process any checks or payments when the account is low to avoid over draft and a negative balance. This request has been made many times and each representative has assured me that this will be fixed. It has yet to be fixed.

This is my final request in hopes of resolving this issue. Please contact me as soon as possible, if not I will have no choice but to proceed with legal actions.

I was given trial modification payments and completed them all the while Bank of America was still pursuing foreclosure on my home by taking me to court. They lost my last trial payment and at court, they "found " it and dismissed my foreclosure suit. I was instructed by their lawyer to call the bank every 7 to 14 days to check on the status. THIS was in January, I have gone through 4 account reps since this began in 2008! They now tell me that I am too far behind iin my payment to approve a modification! If they had not wasted all this time or accepted partial payment on my loan, I would not be in this situation. I am thoroughly disgusted and am afraid I will be homeless! Is there no help out there for homeowners?

Bank of America, years ago, allowed an unauthorized user to access my line of credit. Doing so pushed debt onto my personal finances that did not belong their, and that I was unaware of. There were plans for use of the line, which also became unavailable. The person who was allowed to do this did not even put my name on the slip. The fraud was blatant.
When I first notified Bank of America about it, they sent me out some paperwork to fill out and return. I did so. The fraud department then gave me the run-around for a long time. After this, they started saying it was too late to make a claim, and that the fact that I paid on the account (to protect my credit score) was acceptance of the debt as my own. They refuse to work with me, in ANY measure, on this issue. I have made many attempts to mitigate the damage done, and have offered many potential resolutions.

Concerning a joint account withe my daughter. Check was deposited in thee amount of $4, 900 at west lake park branch. Money was withdrawn in the amount of $4, 900 at the and olive banking center. Second check in amount of $4, 900 was deposited to same account at south lake union branch. Money was withdrawn in the amount of $4, 900 again at dexter horton branch. All transactions occurring on 6/29/12 in four different seattle branches within a matter of hours. Both checks were returned to bank as counterfeit. When funds were not available in joint savings account (Daughter/primary holder) bank of america transferred $9, 800.00 from my personal individual money market account to recoup lost funds on bank of americas behalf. Daughter was taken advantage of by predators in a scam to acquire funds. Used her to process deposits and withdrawls of fraudulent checks. I am told I am a "platinum privilege customer" with a good relationship with the bank and given special treatment. Ie: no hold is put on any checks deposited in my accounts linked to my name. All these transactions were made by my daughter on her account, my signature appears on none of these transactions. But because bank of america can go into teeir system and see theat I am a platinum premium customer, she was able to deposit and withdrawl fraudulent checks in thee amount of $9, 800 on tee same day. Suspicious activity was not noted by two separate tellers in two separate banks. I was not informed, notified, or called of such irregular activity. District manager of seattle states that because I am a platinum privilege customer the "right of offset" states money will be transferred from any of my accounts able to recoup the loss of money to bank of america. The joint account is not linked in the system to the money market as overdraft protection, but the money was transferred regardless.
My daughter is not a platinum client.. Yet boa honored her "special" privilege.. On my behalf ? No hold on a counterfeit check.. And $10, 000 in cash. . Don't you think you would clear a counterfeit check before you let $10, 000 cash walk out the door...
I do not want to be a platinum privilege client... I feel more like platinum robbed !

I have been fighting Bank of America to get a modification on my home here in San Francisco. Bank of America stated that they did not have the rights to give me a modification, that the investors had that right. BofA gave me the information regarding the investor after I insisted for 4 months to find out who it was and was finally told it was The Bank of New York. I contacted them and they e-mail me informing me that BofA indeed have the right to give me a modification/sale/of this property for they are the servicers.

Bank of America is now saying they can’t cause Bank of New York is the trustees. They are going back and forth with me on this thing. I am trying to keep my home and Bank of America is giving me all types of fraudulent information regarding my property. I just need to know who actually own my property and how I can get to them to negotiate a modification. Bank of America refuse to give me this information. It is not the Bank of New York, they said BofA can do it. they have all rights.

I had attempted to pay our mortgage on the Bank of America website. I then got a message reading unable to process payment at this time and to try later. I then decided to just send a check in the mail. Well, the check was cashed and they also withdrew a payment from the web that then caused me to overdraft in my checking account which caused me to pay over $200 in overdraft fees. I then called Bank of America completely irate and told them they need to correct it. They deposited the online transaction back and decided to cash the check again. How is that possible? I am so disgusted with this bank and the horrible costumer service. Something really needs to be done. I cannot wait to get rid of them.