Bank of America
Reviews and Complaints

They Gouged me, saying I was 1 day late. So they could then up the rate, and hit me with the late fee the next month, saying since the interest rate was now astronomical, I didn't pay the minimum.

Check out your local Credit Union. Their fee's and interest rates are still excellent. Also they don't gouge. I transferred the balance and am currently shutting down that nightmare.

I would not recommend activating your FIA account that was transferred from Wachovia. I have had nothing but trouble. Find another company. FIA will lie to you and their customer service reps are very rude.

who is Fia card services?
we have had our Credit cards with Wachovia which have been terminated by Wachovia due to the sell out to Wells farga

We have no received Credit cards from FIA Card services - but We no idea about the annual charges nor the interest rates - apparently it almost looks like this company does not exists nor does have a public information room

Does anybody from you have more information about FIA card services and if it would be wise to activate their credit cards?

I had problems with FIA Card Services and I did not owe them money, and did not even know who they were. When I opened a checking account at Bank of America, I also signed up for their VISA card. From that point on, I received calls on my home phone that I would classify as
harassment.

I received 2-3 calls per week for several months. On none of the calls would they leave a message on my answering machine. On three calls, I was home and answered the call, and was hung up on without anyone speaking to me.

I also complained online to Bank of America customer support, but the calls continued. At that point I took my emailed compliant and started faxing it to the local branch where I opened my account. Since that day
I have received zero calls from FIA Card Services. :)

Thanks for all this information.Yes I was considering taking FIA up on their generous settlement offer.But when they faxed the settlement letter I didn't like the way it was worded
You think everything is ok because their liked to BofA.

Thanks Again,
I won't be taking a settlement by FIA.

I have read enough of these complaints to see a pattern of behavior that appears to constitute conduct by FIA Card Services that could be subject to legal action. While each of us have been damaged only a small amount (in comparison to the amount needed to mount a law suit), together there may be enough to start a class action lawsuit against FIA Card Services. Does anyone know if any have been filed?

And we thought we were the only ones fooled by those thieves but I see that it is like an epidemic what it is happening with this company. As the same as the other people on the web page, my husband were charged three times without previous notification and they left us with red numbers on the account, $1000.00 usd first two and $340.00 the last one. We have decided to fight so we called to several official agencies and told us that this procedure is TOTALLY ILLEGAL. I recommend you DON'T PROCASTINATE and call the numbers I provide on the botton. Together we can fight more effectively. Complaint on the web is very hepfull but the ones that can make any kind of change or can intervene are the official departments. Put an offical claim at:

Controls of Currency (they control national banks)
[protected]

Federal Trade Comission
[protected]

Close your bank account as soon as possible and if you want you can even go to the police as a monetary froud.

All together can make the different.

I have a BOA credit card that I racked up a huge bill for back in college. I received a letter from FIA last year saying that they could help me out of the situation I was in. So, I gave them a call. At first I thought they were like a collector, but investigated and found out what they really are. They agreed to help me settle the card, after one large payment and six months of small ones. They were very helpful in scheduling the dates of the withdrawals and taking my budget into account. So I thought, wow! A weight had been lifted! Until two days later when I received a message that my payment had not been received and now I had to pay a late fee... the payments were automatically taken out of my BOA checking account! How could I be late?! So I called and found out that they had my checking account number wrong by one number. I gave it to them again, and they said that everything was okay, and they would debit it out then. Two days later, the same thing happens again. They have my checking account number wrong, by ONE number (a DIFFERENT number this time). This happens two more times! And each time I am receiving letters in the mail raising my payments $100 each time this happens until they were wanting $500 every two weeks! Outrageous. Oh, and on two occassions that I called the toll-free number, the phone was answered "Hello".

These people just pissed me off. Been a long time customer of MBNA, then they merged with Bank of America, (FIA) everything was cool. They recently bought out CitiBank Puerto Rico credit card accounts( I live in the USVI). To my dismay, they now claim they have "different" credit criterias to CitiCard and increased my interest rate. If they really checked my history with other cards as they said, the idiots would have noticed that I have 3 other cards with them. "Customer Appreciation" yeah right. APR went from 11.9 to 17.9. I say we stop doing business with them; Power of the People. Thanks to "Uncle Sam" for allowing these money hunger vultures for doing this to consumers, that make "their" world go 'round. Not a satisfied customer. They are running the biggest SCAM ever, and none of the Feds seem to care. Their pockets are getting bigger, but they will all suffer and go to jail.

ESTATE DEPARTMENT: beware

I received a piece of mail addresses to " estate of Jon Doe" being a family member; this is also mailed by FIA CARD SERVICES so must be a SCAM so they are a ### company. So glad for the internet to have a forum to help others out. Sorry for those with the misfortune if you were scammed; take pride in the fact "I DIDN"T".

Typically, a claim such as yours should not not more than 3-5 days, if that, however, with all the floods, wildfires, 84 tornadoes so far in Jan alone, the claims adjustors are stretched to their limit. I am not sticking up for them, and I recently have been in your shoes too, but we must remember that there are only so many of them, and many more claims than they can handle in the usual time frame. I know it is hard, but please try to remember that they are not trying to ignore you. I am sure they are as frustrated as you are.

THEY ARE HORRIBLE...

COUNTRYWIDE IS THE WORST...I HAVE BEEN GOING AROUND IN CIRCLES WITH THESE PEOPLE FOR OVER SIX MONTHS TRYING TO WORK OUT SOMETYPE OF RESOLUTION WITH REDUCING MY INTEREST RATE AND HOUSE NOTE...NOTHING...THESE PEOPLE ARE THE WORST...

Don't deposit at Countrywide banks and financial centers. Learn more about the national mortgage crisis and Countrywide's role in it. Visit www.dontdepositatcountrywide.info

This is more out of general wondering than anything else. My wife and I opened a joint checking account in early November. I have direct deposit, however, at this point in time, she does not. I have been with Bank of America since 2001. In the past year at least, I have been depositing her paychecks via ATM into my personal checking account. As long as I deposited it before the cut off (it was 6 PM, now it is 8 PM), the check was posted/cleared and funds were available at 12:01 AM the next day. However, my wife deposited her paycheck on a Tuesday morning. The date of the check had the date of the deposit on it. She used a deposit slip and went into the branch. The check posted at 12:01 AM Wed. morning, but the funds were not available (actually, 100 bucks were available).

I have been going back and forth on mail w/BoA and they said it says on the receipt that the funds won't be available till 2 days after the deposit was made, and after 5 PM. My wife said that the receipt does state the date, but no time. Is this legal to do with a payroll check? This has never happened before, and I am wondering what people think is the real issue. I can't find anything in the agreement we got as a welcome package that mentions holds. I always thought it depended on the amount (the amount is under 4 figures).

Same thing happened to me - someone needs to sue theses greedy ###. I paid my credit card bill on time every time. They raised my rate to 25.99 % and I was not making minimum payments. I called them and they said the same crap about a latter sent out to me . I told them I did not get it so they say we will send you another. So I waited and when the letter arrives I call them and say I want to opt out- Sorry the deadline is past. My bills were about 50.00 dollars a month and I was paying 100 or more now they are 130 or more and I can only afford that. Crooks of the best kind they will take your last dime and watch you starve.

i had a simple slush fund direct deposit of 200.00 per pay check to cover cell phones, my car insurance, my meals on duty and incidentals. my wife wanted me to remove my money from the credit union where i was paying about 20.00 per month in atm charges and move it to Bank of America to save 20.00 .
WHAT A MISTAKE !
They hold some checks, not others, don't immediately show cashiers checks as cash, have a nightmarish amount of online hoop jumping and have to be closely monitored or they'll bang you with fees.
While the local check holds, you think you have money so you use the debit card that STILL WORKS !
By the time your direct deposit goes in, they have it gobbled up in fines. Meanwhile you know you just put 200.00 in by direct deposit so you buy a few burgers and a few coffees and then you find out that ALL your money got eaten by their fines and you actually owe them more money just to be at a zero balance to close the account. In my 41 years of life, I never had a financial boomslang like i got in less than 1 year with Bank of America. Back to the credit union that honored local checks and if a hold was on a check, the card would stop working when I was out of money.
It was my fault to not check the balance BUT
that is the gimmick. They know that regular working people don't have the surplus of time to always navigate their terrible website so a certain percentage of customers are going to generate revenue through fines.

My accounts were with MBNA and I didn't mind that BOA had purchased them because I have all of my accounts with BOA. I like the Web Banking and it is the best in this area. I looked at my statement and saw a 10% increase in my rate. when I called them to get it lowered, second time they did this to me, they said there was a letter sent to me in October 07 stating that there was going to be an increase and that if I didn't want it I had to call them. i feel they are sneaky by putting yet one more piece of paper in my statement. I pay all of my bills on line and transfer my payment from checking to Credit Cards within BOA. They told me there was nothing they could do because I wasn't paying more then the minimum and it wasn't that kind of account. Well, so much for maintaining a banking relationship: 2 personal DDA'a, 2 SAV, 1 business DDA, HELOC and until recently a BOA retirement account. BOA sucks!

I have had a lot of trouble with Bank of America in the past. I was charged for some thing I did not receive and they would do nothing to help me, I went to the BBB and filed a complaint and then they said that I never contacted them about this matter, they lie so much it isn't funny. I will never do any bussiness with them again, even if they are the last Bank on Earth

Bank of America/FIA Card Services is doing the exact same thing to me beginning at the end of Feb. 2008. I did recieve a notice letter, on the back of the letter they state that info contained in a credit report recieved from TransUnion was the basis for the increase. So I ordered a report from TransUnion to find out exactly what is the reason for this. According to my local bank which I do all my checking and loanings with says my credit is excellent. I think BOA/FIACS is doing a blanket interest rate increase and are just using any excuse to justify it to raise their profit margins for the next quarterly report. What I wonder if there is anything we can possibly do to stop this under the law, it seems from what I have been reading is national banks are pretty much untouchable. I used to think insurance companies were ###, but now these big national banks have won that title. They are starting to remind me of the old mobster style loan sharks.

I had never heard of holding payroll checks for days after depositing them until now. We opened our account with them in October 2007. They never give us credit for the full amount until the check clears. My husband deposited his check on Friday and it is now Tuesday am and none of it has been posted. I'm about sick of BofA. I called them on Monday morning and was told it would be posted Monday evening. So far it is not showing up. I would like to be able to pay my bills but they are causing me to be late paying them.

I am still having this problem with Beat off A . I wanted to fix my rate years ago and was refused. The loan was not even in suspension nor was I late on any payments. I recently went to buy a auto and BofA had dings my credit 22 times on what they called a charge off.
O am ready to sue they behinds but all I run into is Hispanic lawyers with $$$$ in their eyes. It's heart breaking to say the least. Class action I will go door to door and to social media if you think the banksters can be stopped and the I can be paid for all the efe they have sucked out of me.

I've had constant problems with BofA.

I call and complain and they return part of what they purloin.

I filed a complaint with the better business bureau and The Office of the Comptroller of Currency. below are their web sites where you file a complaint electronically. I also found this organization and filed a complaint with my congressman.

everyone here should do the same.

http://www.bbb.org/us/Find-Business-Reviews/

http://www.helpwithmybank.gov/complaints/index.html

http://www.affil.org/

Barclays Finance needs people in the usa and canada area that have equity line of credit or e-trade account that will enable our clients customers in the usa and canada area to receive money on their behalf and takes a commision of 10% at each receipt. contact Tom Smith on tomsmith20002000@yahoo.com for more details.

FIA card services will go into your account and take your money out without your authorization. They took money out of my account on 11/6/2009 and 11/23/2009 for my husband credit card account. If you pay them online out of your checking account they will generate checks and withdraw money from your bank account. The supervisor on duty 12/6/2009 will degrade you and manipulate the conversation to make you feel that you were wrong to pay them from your online account previously. One has to use caution when giving information to FIA card service which controls Bank of America Credit Cards. My bank reported that they are not in control of what FIA can do to your account. He decline to return my money and trying to take additional payments out of my account to which I have to close my bank account.

sorry you had so many issues, but any calls you get are only after your account is already 31+ days past due to assist you. Any phone # they leave is direct to reach a live account representative person, not any computer system. there may be a hold time during peak calling times or days, but usually it's less than a few minutes but calling late night is often a great idea for prompt service.

to make online payments (with no fee) go to www.FIACardServices.com or if you are polite and professional they will do a check payment by phone and waive the processing fee (again, be polite and professional when you ask), OR you can do a Bill-Pay to your credit card acct from your own checking account online from your bank or credit union (you need to know when this payment is expected to post to your credit card account as some banks print a physical check and mail it to your credit card company which will of course cause a delay in receiving and processing). as with any transaction, follow-up to be sure it was accurately completed.

at www.FIACardServices.com you can get up-to-the-minute account activity (including pending transactions not yet posted), make payments, view and download statements, and complete address changes.

typically these companies invest in technology to make things quicker and simpler...if you are late and they have to start calling you that raises their expenses in servicing your account, in addition they then have to set aside extra reserves toward bad debt based upon your increased risk assessment. they don't spend money on systems to annoy you, they just simply want you to pay what you owe them on time.

This company just tried to raise my rates, because I had some inquires on my credit report. The inquires were so I could refinance my Auto loan, which I did successfully. They wanted to raise my rate from 15.98 to 28% Variable! I had an option to decline it which I did. I am in the process of informing my Senators and Congresswoman as well as the Federal Trade Commission, www.ftc.gov . The more people who go complaine about FIA Card Services, the better. FTC will investigate and the Senators staff will get tired of reading about the same company. Be polite with the government staff, have your facts straight and only provide the facts. Save the comments for the complaint board.

i bought my very first home, with my husband. we got divorced and he emptied the joint bank account. i missed one payment of 565.00, because my husband said he paid it. i paid the payments and then i came to find out your office was forclosing on me, they said i owed 10, 000.00 which is insane, because i did'nt pay that much for a whole year. So my realestate agent and i went through all of my payments, and sure as heck they were all paid except that one. We faxed over the pages to your office 6 different times to no avail. I lost my home, I had to declare chapter 13, and the credit i built up went right down the toilet. i am still very angry about this matter.

I am homeowner who pays his mortgage on time but I am not able to refinance to take advantage of today’s lower mortgage rates due to a decrease in the value of their home. Countrywide refused to help me refinance under Making Home Affordable program without any specific reason …just because... although I checked my situation under Making Home Affordable website and I was qualified.

This company has the worst communication and customer service ever! No one knows the same information, there are too many people working on your account, and they do not care about their customers. If you have the options to use another company as your lender...PLEASE GO WITH THEM AND NOT COUNTRYWIDE...THEY SUCK!

We had the worst experience with Landsafe and B of A home loan, who charged our credit card $447 for the bogus appraisal. A psychopathic mental patient came in as an appraiser, spent only ten minutes at the premises, took a few pictures, and then listed our 4-bedroom house as a 3-bedroom and appraised it $60K below the market value. Why? Because the biggest bedroom in the house used to have a closet but it was taken out by the former owners so they could open it up with a door attached to the adjacent bedroom.

Mind you, our house is listed as a 4-bedroom with the LA County and the MLS, but this idiot decided that the biggest bedroom in the house didn't count as a bedroom because it didn't have a closet! This caused us to abandon our refinance application with B of A and go with another company. The new appraiser appraised it at $440K and in the end it all worked out to our advantage because we refinanced our home at 3.75% 30-year fixed, instead of 4.125% that the B of A was going to give us, plus we paid zero closing costs, instead of $2500 that the B of A was going to charge us. In our opinion, B of A should have fired this idiot who cause us to leave them and go to another broker, but they are too big to notice these little things.

Ultimately we won. A much lower rate, no closing costs or appraisal fees, and everything happened in 2 weeks, instead of 2 months of waiting and being nitpicked on by B of A underwriters - all mental cases, paranoid about the possibility that some teacher/professor like me, with a Ph.D. degree and 2 stable jobs, 24 years of work experience, and a Fico score of 800, who MIGHT try to default on his home loan! I mean what are the chances? They failed to screw me over, so it was THEIR LOSS. We are totally happy with the outcome even though we will have to pay the $447 credit card bill for this bogus appraisal. This was the LAST TIME we were stung by Bank of America or one of its affiliates. We will make up for this loss in one mortgage payment. Try Cash Call if you wish to refinance. They are wonderful.

As a certified appraiser for the past 15 years, I see a lot of things posted here that are very inaccurate. An appraiser in an analyst. We use the data that is present within the market at the time of the appraisal. We do not select adjustments, we extract them using recognized appraisal methodology. If the market does not have a recent, relevant and proximate sale that supports what the L/O or the H/O wants and the data that is there that suggest a lower number, then what is the appraiser to do? How is it the appraisers fault?

If a market has dropped, it has dropped. If REOs and short sales are predominant within a market then, they cannot be ignored. Sales that suggest a lower value also cannot be ignored.

The appraisers that are contracted by Landsafe are independant appraisers. They are not employees. Now, if Landsafe received pressure from the branch b/c the appraisal does not suit them and Landsafe buckles to the branch, then you have a problem. This has been known to happen and currently there are numerous lawsuits pending against CW for just this issue. It is called blacklisting. When an honest appraiser is penalized for completing an honest appraisal.

The other thing that folks need to understand is that the appraiser's fiduciary responsibility is to the lender not the home owner. It is the appraisers certification that the property is worth what they report and that they have provided an accurate and supported analysis. The appraisers responsibility is not to make the homeowner or the loan officer happy.

I'm in shock! I was refunded the appraisal. Partly because I was told I had to pay that to lock in an interest rate, partly because there were glaring errors in the appraisal, and I'm sure, partly because Countrywide is under a microscope right now.

Oh, and by the way, Landsafe is an affiliate of Countrywide, and I did say I disputed the appraisal and was told there was nothing I could do about it.

This is what happened to me exactly! Not only that, but by undervaluing my house, they were trying to add $3300 up front PMI insurance, and $92.00 a month for 145 months in PMI insurance - payable to them, of course. I declined the loan and have asked for a refund of my appraisal fee.

The loan officer knew that my goal was to lower my overall debt, not the monthly payments. Even after I cancelled, he was trying to convince me that saving 400 a month was a good deal - so I'm paying off a pre-payment penalty of 6800 and paying about 16, 000 in PMI. Tell me, how does that save me money?

I will be reporting them to the Attorney General if I don't get the refund.

As a former holder of a ARM, I began shopping for refinancing back in Feb 2008. I did contact Countrywide about refinancing and was told that it wouldn't be a problem and I would have to pay a fee for the appraisal, which I paid. Well, after all that was said and done, the appraisal came in lower than the refi amount. Well, we put things on hold for bit, during which time the first adjustment hit. I also noted that the next adjustment was coming up in June 2008 and going up quite a bit so I began looking in earnest. That is when the THE LETTER arrived..from FHA telling about the FHA Secure program. I went to the web site read the info and got in touch with the local lender. We had our ducks in a row by the time of the first meeting with them, such as debt to income, monthly bills, mortgage statements from the CW website (which I printed out the night before). We wre told we definately qualified and an appraisal would be made, which it was and gosh, it was higher than the CW apprasial (imagine that!) All told, it took less than 30 days and I no longer have the CW monkey on my back. Check out FHA Secure folks!

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

we all need to get together and make the gov't regualate the rules for banking. they are allowed to clear checks in any order they wish, so in turn they clear the largest check and nsf the others for more fees and more money in the pockets of their executives! Corporate america! Look at wall street.

Thy also hold small debit transactions in pending (days at a time ) this one is $6.20The last one is from over 2 weeks ago,so they can ding me. They he run largest to smallest debts to get the maximum fees.

B of A now holds my wifes direct deposit all day Friday in pending to cause overdrafts to my account.

I have a brand new checking account with Bank of America branch on Colorado Boulevard in Eagle Rock, California. I discovered that $2, 500 was taken out after I received my first statement. Not all people check their account periodically, I'm one of those who just rely on my monthly statement. When I notified customer service, they blamed me for not reporting it any sooner. Then, the runarounds began. I filed a complaint, they denied it after a month. Reason they gave me was the amount was withdrawn using my checkcard and my PIN. How in the world could that happen other than an inside job? I have my checkcard, my PIN I would think if someone had access to it is no other than their teller, but how was the amount withdrawn without a card and without them asking for a pictured ID prior to releasing the amount. Now, they're totally ignoring me, they couldn't even show me a video of when I withdrew the money they're alleging I took. I am taking the matter to court and I will make sure they pay me back the $2, 500, plus attorney's fees, costs and compensatory damages. I immediately transferred my account to another bank. I am telling everybody my horrible experience with them. Word of mouth is the most effective advertising. They are unreliable and big thieves.

The same i have experience today spending an hour of my time to find an answer about Basic points and how to book it. The web site for airtravel from San Fransico to New York gave me 52, 400 point per round trip ticket. Agreed totally with previos post!
Bank of America still advertises that you only need 25, 000 points for US air travel. But when you ask them about the details of the program, they can not tell you anything about the hotels or airlines that are used. Here is what I have found out . the real price is 42, 800 points per round trip ticket and there are hidden additional fees.

I have had the same experience with this program and it has been validated as a Fraud Case. Bank of America still advertises that you only need 25, 000 points for US air travle. But when you ask them about the details of the program, they can not tell you anything about the hotels or airlines that are used. Here is what I have found out . the real price is 42, 800 points per round trip ticket and there are hidden additional fees. The primary air carrier they use is Airtran which has filed for bancruptcy. This scam is run by a company called World poitns and Carlson Leisure travel.

BOA has done the same thing to me, it was over 100.00 check which was to be delivered after I was approved and purchased 100.00 or more on my card. The CS department has not been able to retrieve any information that is helpful. This is a poor situation, and unfortunately i don't think there is much recourse that can be done to resolve it.

I accidently put the decimal point in the wrong place when paying a bill online. Didn't matter that it overdrew my account by almost $3000, they paid it. A couple days later I saw the error and immediately contacted Bank of america who refused to reverse the payment. The company that the money went to decided they would like to keep it to pay off the account and return the extra $900 to me. Bank of America in the interim told me that they would give me a "courtesy" credit so I could stop accruing overdrawn charges. I asked what would happen if I was unable to pay back that money in 30 days. They told me that it would go on handy dandy payments. When the 30 days expired, they told me that they never offered to put it on a payment play and they'd like the whole thing immediately. I offered to give them the $900 and make payments on the balance but they said that they would like to have the $900 and if I couldn't add enough to pay off the entire sum immediately, they would put a black mark against me with some check bureau that banks check when you open up an account, send me to a collection agency and ultimately sue me. All this for an error that any reputable business would have been willing to rectify.

I am disgusted too, I have been trying for 6 years to update an account ( address and more...) What is going on over there !

I agree FIA is very poor in the customer service business. It is amazing how many large companies allow this company to associate their brand image with FIA. I guess BoA, Charles Schwab, etc...executives never had to deal with them, just rake in the revenue.

This response is to the OP and cott Kitchen's comment. I thoroughly agree and share your anger, I received the same letter in the mail telling me that my rate would be raised from 19 percent to 27.99%. I also have an excellent record of payment and make more than minimum payments on my credit cards. I was very angry to eceive this notice. I have written the required note to reject the amendment. This means that after February 28th, I will not be able to use this card otherwise it will default to the 27.99 interest rate. THIS IS 24 POINTS HIGHER THAN THE CURRENT FEDERAL RESERVE BANK INTEREST RATE! NOT EVEN A LAS VEGAS LOAN SHARK WOULD CHARGE AS MUCH VIG AS THIS! I will be paying this card off and closing it immediately. To take money from hard working people who actually make their payments on time to their outstanding debts is beyond despicable and deplorable. These heartless organizations are not deserving of our investment. My only hope is that this move will diminish their customer base and drive their organization along with their vampiric practices right into the grave of bankruptcy.

Three years ago I opened a credit card account with Bank Of America. My original agreement was an interest rate of 0% for twelve months then after the interest would be 8.9%. Well after just 9 months my interest rate went from 0 to 12.9 %. Then on month 12 Bank of America informed me that FIA Card Services would manage my account and that my interest rate would be raising to 14.9 %. Then on month 15 they raised my interest rate to 17.9 % and then again on month 24 they raise it to my current rate of 18.9 %. Now I recieved a notice that my annual interest rate will be raising to 27.99% because of info contained in my TransUnion Credit Report, I contacted TransUnion to recieve a copy of my credit report to find out exactly what info they are basing this interest rate hike on. I have perfect credit according to my local bank that I have loans with. I have never missed a payment or been late with a payment to Bank OF America. This whole experience with BOA and FIA has been deplorable. I have an account with Discover Card and I have had an excellent experience with them so far. I would not recommend Bank Of America to anyone. Loan Sharks for sure!

Same problem.

Bank of America does not give a darn about the consumer. My mother in law passed away in December of 06. Ran a credit report and there was 16,000 advancement and bill is now up to 20,000 bill that was not hers. She is clearly part of identity theft. It took 4 months to get a copy of the checks clearly not her signature but all wonderful BOA says is just pay us 7,500 and all will be paid up. How in the world does BOA give someone making $600 month ss a 16,000 advancement. Don’t they have any common sense this may be an identity theft. So all they do is put it in collections let it accumulate interest.

What is my next step. This bill is not hers and should not be part of her estate.

Regards,
Frank Camarda

bank America has stalled for three years to do anything with a modification.Then they sent my mortgage to another company greentree who does not do work in mass. and then they tell me that i do not qualify even though i have had a pay cut in half. the whole thin g is a scam the banks got all they money to help the public then make excuses why not to help anybody and give out big bonuses to higher mgt. then people in the banks tell me that i have to miss payments runnin my credit before they will do anything. the government could care less about the little guy. they just care about the people or companies who give them money for there pockets.

Bank of America uses Telatron in Erie, Pa to manage its credit card accounts. Many of the people that they hire to manage your credit card accounts, which contain personal and sensitive information, are criminals. Some of the employess have felony charges for grand theft larceny, identity theft, felony drug possession etc. just to name a few. If you don't believe this is true ask Bank of America to have Telatron to provide a criminal history of its employees. You might be very surprised.

I am currently a Bank of America checking account customer. Four days ago, I received a generic, little white postcard from them advising that the address change on my account had been completed. What? I didn't make any address change. I went to the bank Monday a.m. and they advised that there appears to be fraudulent activity on the account. Upon closer review, it was determined that the new "fraud" address, four hours from my current home was used to open a new Bank of America checking AND savings account online. Debit cards were sent to the "fraud" address. By Monday a.m., the thieves had stolen over $10, 500 all under the "watchful of the bank". Three ATM transactions in one day were made at the same teller for $500 each. They went to another teller and made four withdrawls for another $900. They then went to Publix and made a $2, 200 and a $2, 300 purchase. Went on a shopping spree to numerous stores and made multiple "teller assisted telephone transfers" for $9500. All this on an account that has maybe five transactions in two months. I contacted the BOA fraud dept. and followed all their instructions. I contacted Chex systems, not realizing that this was tarnishing my name and going to make it difficult if not impossible for me to write checks in the future. As of today, the money has not been credited back to my account. None of my other outside accounts were affected. It appears that this is isolated to Bank of America. I am very interested to know how many breaches of security have occurred in this manner. There is no reason all this activity did not raise a red flag. If I use any of my credit cards in an unusual manner, my credit card companies make a quick call to me to make sure it is really me. If anyone knows of a pending class action regarding Bank of America's security breaches and deficiencies, please post information here. Thank you. What a nightmare!

contest the charges in probate ... It may take a longtime to settle the dispute .. However if the advancement came after she was deemed unable to make decisions for herself or postmortum... Stand upon the principle
and see it through. Best of circumstances to you and yours

I feel your pain. Sounds like an inside job but im sure it was not. Only thing I can adsive is if you want to have good protection never do anything online.
See when you activate credit cards for online access brings your account to the internet and bring you great amount of risk.. make sure your home computer is not infective and avoid using other peoples machines

Mi credit card with them havé been stolen for 345000, 00USD when my limit is only 200000.00$! That is 145000.00 over! Find The mistake! N'y The way, i never used The card since i recevez it (2years) !

I agree 100% Telatron continues to steal the employees commisions.Sorry you didn't take enough calls, you didn't sell enough products, you didn;t have enought money on the kind of call then when you are close they change your call routes. We are nevr given what we earn as a ca;; center vendor but they can't manage there own bills hecl payroll checks have bounced like crazy the last 2 weeks telatrons owners steal from the prople they expect to be loyal and support them!

I closed my SunTrust checking account in 2002. In May of 2006, my credit score took a sudden nose-dive. All three credit bureaus began reporting a $30 delinquency on a SunTrust PLC used for overdraft protection on my former checking account 4 years after it was closed! SunTrust's database is clearly compromised.

Stephani:
My story is also nightmare. The problem is that all of these credit card accounts have been securitized and sold over and over again. MBNA is the worst offender and MBNA did not sell the account to FIA Card Services. FIA is servicer for the securitized MBNA Trust, which is sold to investors (MBNA is now Bank of America). Get a letter out to the Securities and Exchange Commission - Department of Enforcement and cc your state attorney general. The other banks operate the same way. You do not
Your written synopsis is scaterred and not cohesive. Get an attorney and then contact me - I will have my attorney speak with him or her.
email gldsable@aol.com

i got this email too

it looked quite genuine - except i don't have a Bank of America account!

i check my emails at
http://www.scamemail.co.uk

Good luck refinancing with any one else when you are dealing with CW. They have absolutely no idea about your account. If you correct them about one issue they will create another and another until you are sooooooooooooooooo mad and frustrated that you are at your witts end.
There should be a LAW against that entire company to operate.

Good luck on getting refianced any where else. UNLESS you're paperwork with CW is PERFECT, you CANNOT get refianced.

COUNTRYWDE WILL SINK EVEN MORE...

just to let you know that Countrywide is becoming a big scam.
Over the phone they said that the grand total closing cost was going to be less than $1000 on paper it turn out to be over $6000 they said ONE dicount point but on paper was 4.5
They said no need for an appraisal but they charge my credit card $380 without my authorization. The only authorization was for $26 for the credit report and even that was wrong they charged $35 I am so mad.
I just got the phone number of the Office of the president (countrywide) [protected] and I will call in the morning to let them know.
They already have so many problems and at this rate they will really sink, I can't believe they did that to a good customer like me.
I will post as many blogs as I can on the net.
I have found so many bad reviews already.
Countrywide will fall big time.

Spread the word to stay away from this scammers.

I agree completely. I've had mortgages with Countrywide for 15 years (first house, which my ex-wife is still in and we're both paying the mortgage on) and my current home.
This "delinquent" stuff is nonsense, but what really bothers me is that I can't even access my records or information now. Every link goes to the payment page! Just because THEY almost destroyed their business by selling junk mortgages doesn't give them the right to treat regular customers, who pay ontime (by their own rules) as deadbeats.
Too bad there's no other company to go to. I certainly didn't choose them; they bought my mortgage off the broker. To deny me access to my own records until I make my monthly payment just doesn't make any sense.

We are having the same problem! Were seriously thinking about filing a class action suit against them for this fraud!

we have HAD the same problem, and called bank of america-----emailed---and writteen---keep a note of when you conversate with a rep---my BEST suggestion i have found helpful...go to the bank--talk with WHOEVER is in charge---take a tape recorder in with---yes it is extreme---face to face talks is best so you CAN SAY you spoke with someone---and camera's don't lie either. i have two accts with overdrafts and was threatened to be close when i agreed--because that would stop overdrafts---well...they mailed me a letter saying they would take courtesy withdrawals from good accts to the bad ones...talk to the one in charge and i ain't just talking about GOD--he gives us common knowledge as well...don't give them anymore $$$$$$don't put anymore into that account-------openup another one b4 that one is closed...if you are innocent----and they tell you they KNOW you are do your part----they continue to make money off of you even when they know you R NOT GUILTY!the devil is a liar---everywhere u go crooks---what happened 2 customer is always right----HAHA!

We were told we were disapproved then when we waited and waited for our loan they kept telling us OH everything is OK it is just taking longer than we thought ! I actually fired our loan officer after SEVERAL lies... 4 weeks after he was FIRED they took almost $400 out of our checking account for an APPRAISAL WE DID NOT NEED... and after the deal had fallen through due to all this... the home owner opted to back out for a better offer! Now we are SCREWED out of over $1000 (home inspection WE PAID FOR) and appraisal we told him to cancel!

I attempted to get a refinance mortgage from CountryWide recently but was very unhappy with their "customer service". After the initial contact and them collecting my personal financial information, 2 months went by with no word from the "mortgage broker". When I attempted to call and e-mail, it took several tries to get a response, and the response that I did get implied that I was bothering the mortgage broker. My application was finally completed almost 6 months after I had initially contacted the company, and then it was mailed to my house without my knowledge and my entire financial history sat on my front porch for a day, unbeknownst to me since they had failed to communicate that they would be mailing the application. This is how they "safeguard" your private information. If someone had picked up the application they would know where I bank, my credit card numbers, my social security #, where I work, etc, etc. I was just expected to sign the application and send it back, again with no explanation of the process and no service provided whatsoever. I didn't sign it, due to the horrible service I received and the facts that the amounts were incorrect. These mortgage brokers make a huge commission on these loans, and I don't think it was unreasonable to expect some service in return. Let me mention that I have excellent credit and a very stable work history so to be treated so poorly made a huge impression on me, and not a good one. I was subsequently referred to a true mortgage broker whose definition of customer service more closely matches mine, and had my refi in my hand in 8 days, with no distress or implication that I am not credit worthy. I will never again do business with Countrywide.

I experienced a job loss at the beginning of February and wanted to make sure that our loss of my income would not cause a hit to my credit rating. I contacted Countrywide to see if there was anything they could do to either lower my payment or interest rate so that the mortgage would become less of a financial burden right now (My account is spotless). I was just exploring all options to help keep the most $$ available to me.

After learning that I was not eligible to refinance because my loan amount was higher than my house was now apparently worth (since they were able to calculate the cheaper houses in the neighborhood selling but missed the more expensive ones), it was offered that I talk to someone about a loan modification that I might qualify for. Okay fine. But instead of transferring me, I was given another 888- number. So I called and sat on hold for 45 minutes only to find out I wasn't even close to qualifying for their "hardship" loan modification. Now, with every person that I talked to I started the conversation by stating that I was calling because I lost my job. Countrywide does not consider losing your job as a hardship, which is apparently the only way to get your loan modified. They said "we can do a hardship assessment once you get a job and maybe help you out with your payment amount then". REALLY? ARE YOU KIDDING ME? I thought not having a job was a pretty good example of the definition of hardship, and I told the representative this. I then asked her whether she had more option the help me if my loan was already in default. She confirmed. She was not amused with my inability to understand how they operate, so said thank you, and hung up on me.

My husband and I are plenty able to pay our mortgage in full each month and on time. I just thought that I would try to be proactive and protect myself from ruining my credit, should it get that bad for us financially and it come to that. Thank you Countrywide for rewarding those who are a burden by not paying and for taking a dump on those of us who continue to be fiscally responsible.

I have two houses with Countrywide mortgages. I applied in March, 2017 two refinance both loans to a lower interest rate. I was not behind on payments, I did not want money out, my loan-to-debt ratio is fine. I filed the appropriate paperwork, for each mortgage to be at 4.65% . Suddenly, the paperwork was "lost, " the appraisal for one of the houses was "lost, " and therefore my file was not completed on time, and the loan process for both loans was closed. When I complained and said that I wanted to re-open them, I was told that the interest rate was now 5.75%, that my credit score had gone down in the last several months, and I might not even qualify for that. I wanted my $800 back --- representing the $400 up-front fee that they charged me for each loan. They refused. I called, left letters, faxed, emailed -- nothing. Right now I just want my $800 back since they lied to me about the paperwork not being in on time, they lied to me about the appraisal paperwork being "lost" (it turns out, by their own admission, that the appraisal on one of the houses was NEVER EVEN DONE by them) ---- AND...I shouldn't have had to pay the money upfront, over the phone, before the loan process had even officially begun. Please help. My husband has been out of work (he works in the construction industry, which is DEAD), and I can REALLY USE the $800. If I try to refinance, it will NEVER BE WITH COUNTRYWIDE/B of A AGAIN. Thank you.

I was proactive from the very beginning when my family member experienced identity theft last year in October, 2017. I contacted Countrywide and nofified the representatives of my situation, conveyed to them about identity theft, expressed this was the reason for my late payments, and spoke about my securing a loan modification. I continued to contact Countrywide and was told that I could not gain immediate assistance for a loan modification because my home loan was not in foreclosure. I asked if this was the only way to gain immediate assistance and was told yes. In May of 2017, I was contacted by a Countrywide representative. The representative conveyed that I have a fixed rate loan for the next 30 years and payments due were added to the arrear of my loan. I expressed that the value of my home depreciated and asked if my principal could be reduced for my loan. I was told no. She continued to explain that I have a thirty year fixed loan and needed to sign the necessary documents, otherwise Countrywide would proceed with foreclosure. I questioned her because she told me that my interest rate increases every year until 2017. I told her to my understanding, this loan is not a fixed rate loan, however something similar to an adjustable or subprime loan. She told me too bad, sign the documents, there wasn't anything I can do, and just make sure I have everything notarized, and return FedEx. I complied and returned the documents with much hesitation. Since that time, I contacted the President of Countrywide and received the same results. Since that time, I have written letters to government officials. Yesterday, September 1oth, I received a letter from Countrywide about a data breach which means my personal information may be sold, otherwise identity theft. This is the very same thing my family member experienced last year which caused us a delay in mortgage payments. Countrywide has known about the data breach since August, 2017, and I as well as many customers have been notified late. It is sad that Countrywide representatives are very uncooperative in assisting customers, even after Bush signed the law into effect for Countrywide and other mortgage lenders to work with their customers to avoid more foreclosures, yet customers are to accept the late notification about a data breach. In closing, do not expect Countrywide to work with customers with negotiating a loan which match today's property value.

We bought our place 5 years ago and our contract was sold to Countrywide. We tried getting refinancing through them but was denied because someone had removed the HUD tags on the back of manufactured home. When the appraiser came out he told us that if we get an affidavit of a fixture that it should be enough but per Countrywide it wasn't. My question is: If we decide to sell the home our we going to be able to do so or our we going to be denied it because of the tags? Or is this something that is done in Arizona?

Thank you.

I was struggling with my ARM mortgage last fall as I was laid off by Bank of America and unable to find employment. I was sent an offer by Countrywide to modify my loan at a much lower interest rate effective September 1, 2017.

I eagerly agreed and accepted the offer. I was then able to keep my home and would hopefully be able to refinance at a later date. Since September 1, 2017, Countrywide had delayed processing the modification (because they are so busy so they say) and because of that they have reported me as being 120 days late in payments. Of course, that is not true and negatively affects my credit rating. However, I have called repeatedly for the past 6 months and have talked with no one that knows what is happening, not interested in even pulling up my information, have been hung up on, argued with, and still haven't been able to find anyone with any authority, responsibility, desire, nor ability to resolve their error.

As a final attempt I have contacted their Office of the President to see if this matter can be resolved. And could I refinance with this type of credit bureau reporting? Absolutely NOT!

I am so frustrated with their Customer Service and what is funny is that I worked for Bank of America as a Customer Service Manager for 7 years and can't believe that this lack of training, lack of authority, lack of customer service abilities, and apathy is acceptable much less pervasive.

Yikes to Countrywide

Penny

I received a letter from Countrywide stating I had to have flood insurance on my property because according to FEMA I was in zone AE (a flood area). I contacted FEMA who had me download their insurance maps. I am clearly in zone X. I called and faxed the FEMA maps with no results except a headache. They totally refuse to acknowledge the maps, even though its the exact same map they said they used for their determination. Their letter also informed me that if I do not get my own flood insurance they will take out flood insurance from my escrow with, surprise, surprise, Countrywide Insurance Company. After almost three weeks of arguing and faxing it looks like this will be going to court.

Below is a timeline of the life of this file. We had originally been told your short sale process was 45 to 90 days. We are now somewhere around day 140 with no end in site.

I faxed the short sale packet to Country Wide on Jan 27th and again on Feb 3rd. I was told that it was uploaded into your system on Feb 1st and that the Short Sale process took any where from 45 to 90 days. On Feb 4th the file was opened and I was told it would take 7 to 10 business days to assign. After several requests for assignment to a negotiator the file was finally assigned on March 6th to a Mark Lewis. I was told he had 15 days to review. On March 13th the file was then re-assigned to a Celia Medrano, and I was also told she had 15 days to review the file. When I called in for a status update on 4/15/09 I was told that they needed updated pay stubs and bank statements. I faxed the requested documents in on 4/20/09. On May 4th I received an email from Cilia asking for updated pay stubs and bank statements because the ones I had sent in at the end of Jan were out of date and for the sellers to fill out and sign a Form 1126. I emailed Celia the requested documents on May 6th. On May 12th (2 months after Celia was assigned the file) our file was assigned to Stacey Johnson a second phase negotiator, I was told she would have 30 days to review the file. I called in today June 15th to get an update on the file and was told that Stacey's work load was to much and she had passed the file to you for review.

I'm on month 24... giving up, this process is no different than it was on day one when they said it would be 30-45 days... I have tried every method possible and nothing has changed. Filing Bankruptcy and going to move on with my life... wish I would have never bothered with this, I would be two years ahead... don't do a short sale if you are wondering, I have never heard of a good case... still, and I have been listening.