Bank of America
Reviews and Complaints

I have a debt with BOA and I'm working with Counsel for Debt Solutions on this matter. I contacted BOA back in April and advised them of this situation and I also told BOA that they are not authorized to withdraw any funds from my account. All was well last month (May) and BOA did as expected. Today, when I checked my account, I noticed the BOA had processed an automatic payment for $570 without my permission. This equates to a financial hardship for me this month. My bank, Frost Bank, has filed a complaint on my behalf, but that will take at least 30 days to resolve. The simple fact is that BOA took money from my account without my permission, which is theft. Since this was done electonically, this is a federal crime. I'm sure that BOA slips money into the coffers of our elected leaders so I don't expect any help from the federal government, but I would like to make an example of BOA and let everyone know the type of snakes at BOA. They have stole money from me and perhaps from many others even though we, the American public, lent them money to stay solvent.

I ask our government and any public official or prosecutor to take a look at this matter because BOA is stealing from the American public and no one is holding them accoutable. Think of it this way, if I was to take money from you, you'd call the police and I'd be arrested. We need to call the "police" on BOA and have them arrested.

If you're with me on this, let's work together to end the reign of terror by BOA.

I closed on a BOA mortgage last year, and just found out they did not send the lender closing instructions to the title company for 2 more business days and they changed some of my forms that I signed on at closing. I had Dept. of Insurance investigate and $98, 000 was taken out of my escrow account closing. I closed my accounts so they cannot get money out of them but the money was missing and spent on something else. I was told I was getting a Fannie Mae loan which I find out I do not have. Do not take complaints through Executive Office in NC or OCC because it is worthless. Write to your State agencies. They will help.

BOA changed my checking account type without my knowlege and start charging account fee. When I contacted customer service regarding the fee, they simply said that the fee free checking account is not available and I have to paid the fee.
Here is another incident.
I deposited $15,500 with american express travellers check using ATM. when I checked my balance after 5 days it did not show up. When I called BoA customer service I was told that it will take half a month until they verify the check since it could be a fake and I can not access my money until they collect money from american express. After 12 years as a royal customer, I was treated like a criminal. I called american express and they told me if the bank called them they could clear the check immediately. I called BoA customer service again to ask them to call the american express but was told that they do not provide those kind of service and can not return my money until it goes through their internal process which takes 15 days and if I write a check before they clear it will be bounced and they going to collect fee for the bounce check.

I was supposed to have money drawn out on the 8th of June out of my checking for my house payment and bank of america took the money out on the 5th of June and i had a check bounce thanks to them and had 50.00 in bad fees to pay out and now they are giving me the run around and is refusing to pay me my 50.00 back. I turned them into the bbb and the ftc, i hope it helps.

I don't know anything about this transaction that was done to my account and I don't know what the 49.95 was for anyway...

I've been a member with them for 16 years. Never missed a payment. Never even ever been late. I call in to simply transfer a balance from another credit card. I get transferred to another depart. This other department tells me they're updating my profile; since it hasn't been updated in 11 years...so they say. BofA asked me every question under the sun. past residences, base salary, commissions receipts, bonuses, any alimony, wanted to know about my stock portfolio. I finally stopped the guy and asked him all I want to do is simply transfer my balance from another credit card to my existing bofa credit card. I have the available balance and I've done this a hundred times since 1998. He finally tells me I can't. I called earlier this year when I found out they raised my interest rate. This is killing people. I hope Congress sticks it to the banks.

It seems to me, a IT professional that they have some kind of a program in place that holds back filing overlimit charges until you get close enough to the limit so the charges themselves put you over again... I.E. recuring income for them, this time around they waited almost six weeks.. After they put me over last time I transefered money over and swore not to touch it so that when the $35 went of eventualy there would be enough to cover the charge.. ha ha the funny thing it seem I only had 34.82 available when they decided to bill me for the previos time they put me over the limit! there should be a law that stops banking from putting an personal account over the limit with charges! and then charging an overlimit FEE for THAT action! Nice scam though! Last word! If I go over my limit- charge me! teach me.. But putting me over the limit with charges... hmmm I dont know man :) I'm over with 0.18c so they'll be keeping an eye on my balance i suppose untill they can put me over the limit aggain! I have news for them though! I'm getting out while I'm young!

My interest rate jumper over 20%, my credit rating is excellent and all bills are paid on time, paid $500 to these pirates last month and thought the bill would be lower, however, they tacked on "purchase and adjustments.$185.41... card has been cut up and not used..where are the purchases? Finance charge of $256.12... minimum payment is $396.00... after sending them $500.00 5 days ahead of due date..this notation was on my statement...Your account is overlimit (geez... I wonder why?)

We must receive a conforming payment,that brings and keeps your balance below the credit line... within 20 days of the above statement. Needless to say, I was boiling and tried calling these idiots to try and lower the finance charges, I no longer use the card and had used it to consulate other bills quite awhile ago... huge mistake!

Now... I agree with other complaints on this site, but what can you do?
See a lawyer and do a bankruptcy?... No. I worked to hard for my excellent credit rating..am just venting my frustrations and cursing the day I signed up for a Bank of America credit card!

I have the B of A Alaska Airlines Business Card, and you would think at least business customers would get decent service. It's not the case. I got the card for three reasons: 1. consolidate accounts to a single vendor; 2. Alsaska Airlines Miles; 3. No Fee Transfer.

The first statement came with a $450 transfer fee, which on the first call (when I could get a human) I was shaken down like a criminal for trying to get my money back. I called back and got another human and warned them I wasn't going to be very pleasant and that if they would prefer getting a manager I would be ok with that. The rep decided to take a flier on me and agreed there shouldn't be a fee and would remove it. When it didn't get removed by the next statement I had to call again (and was lucky enough to get another human) where the person actually got the fee removed. Meanwhile I've spent more than $450 in time and agony.

Now I am trying to resolve another issue that deals with another card on this account, and I think they have pegged my number because I can't even get close to a human there.

Long story short I think I will move my business back to the previous card where at least I could always get my issues resolved quickly. The only thing I didn't like about them was I couldn't access the corporate card online. Bank of America is tarnishing Alaska Airlines good name.

Same thing happened to us. We purchased a new home, and haven't liquidated the old one yet Credit report went from 802 to 780 not like it even dropped out of excellent, we haven't missed any payments have paid ahead but the interest on card jumped from 9 to 21%. We opted to pay off the card and to cease doing all business with BOA, but that may not be an option for everyone. This kind of predatory lending seems to be a pattern with certain lenders of which BOA is one, and it has significantly increased profits for shareholds.

There are two things you might consider.

Option 1. Buy a share of stock, you can even charge it to your card, as a shareholder you can attend the sharehold meetings, which means you will have to attend this meeting to effect any changes, large shareholds rarely attend meetings they send in proxys however shareholds have the power set or reject policies, if all card and mortgage holders were also shareholds they could band together to change any policy.

However if you are waiting for the good fairy to come along and wave her magic wand you might want to opt for option 2.

2. Write your congressman and support and vote for the guy that actually doses something about this. There was a bill introduced by Sen Dodd, D Banking (the one running for president), about actually setting rules for predatory lenders, however it has been my observation there can be unintended side affects to this sort of legislation.

I actually did both so see you at the next sharehold meeting.

All the best,
LA.

Bank of america is having record profits because they are ripping us off, changed my interest from 12 to 24.99%. Now they wont drop it because the balance is to high, how the hell can you get ahead paying that kind of interest, i should just quit paying and the hell with it.

We have had a Bank of America Credit Card (AAA Auto) credit card since 2005 with an ARP of 7.9%. All payments have been on time. Suddenly the rate went to 21.99%. The first person I talked to said maybe it had something to do with our credit report. All our payments are on time, and we have not had any recent changes but I checked it anyway, and it was fine. The second person I talked to said it had nothing to do with the credit report, but we did not use the card enough. He said he did not have the authority to lower the rate. Can the percentage rate be raised just because you don't charge enough on the card? Is there any action that can be taken against the company.

Thank you!

In preparation for the birth of our daughter in June 2008, my wife contacted Countrywide in Feb of that last year. They told her that they could put us in a Hardship/Forebearance program that would delay our mortgage payments for 4 mos. while she was on Maternity leave. This sounded great as we are a dual income family and without one income it would be hard to make payments. The rep told us that after she went back to work we would negotiate how to catch up. Whether that be adding the amount to the end of our loan or making larger payments. We jumped at the chance for this. When my wife went back to work in Sept. the top item on our list of priorities was to get our mortgage taken care of. We called Countrywide and they told us that a negotiater would be in contact with us. About a month later we called again with the same answer. This is the same thing we have done for the past several months with the same answer every time. They said not to make any payments that it would go to the principal and not to the past due balance. The last contact before now was in January. We were told that they were so busy with the Mortgage Crisis that we would be dealt with soon. On March 17, 2009 my wife was in a Head-On car accident. Luckily by the hand of God, my wife was not hurt. The accident was not her fault, but the car was totalled . My wife called the bank to see about getting a loan and because of this mortgage thing our credit is ruined. At this time she decided to got to a Countrywide branch and sit until she got it taken care of. When she went of course nobody at the office could do anything but her on the phone. The rep informed my wife that our home is in foreclosure, and would be sold May 5, 2009. We were devistated of course. We have the money in savings to pay the arrearages. We just have been told not to pay. Over the past few days we have spoken to an attourney, and contacted several different people at Countrywide with no help. I told them 'I want to pay my mortgage. I don't want to file for Bankruptcy.' I asked for them to tell me who, where, and what to pay. They can't give me any info. They claim we were offered modification. Which we never received. They claim that we were sent notices of foreclosure which we never received. I read that it is the law to send certified mail(signature required)before foreclosure can start. When I mentioned this to the Countrywide rep she agreed then when I told her that we never received it, she changed her story saying that we must have gotten it. I explained to her that this alone was grounds for litigation. She told me to do what I needed. Suprisingly when we got home today there were four diferent letters stating foreclosure. When we called they said our file is still in foreclosure for May 5, but we were being considered for modification. We asked when we would know if we qualified the rep said to call back in 30 days. That is 9 days before our house is to be sold. This is Ridiculous! I just want to pay my mortgage! I can afford my mortgage! We both have Jobs! Why can we not get this resolved! Anyone that can Help please contact me. I am desperate. We don't want to lose our home, we dont want to file ch 13 and ruin our credit for years over a mistake by a Scandalous company.

I have never dealt with a company before such as Countrywide. Not only have I found that they are lying scoundrels and will tell you anything to get money, but they are totally UN-AMERICAN. When you attempt to talk to someone in customer service, you get someone that can hardly speak english. I initially thought it was someone working here in the US at first but later found that I was talking to someone in INDIA.. SO UN-AMERICAN.

I had a great credit score, 829 before I started dealing with countrywide, my initial loan was sold to them. Hurricane Katrina caused all insurance premiums to increase. My insurance premium increased from 2, 000.- to 6, 000.- . I had initially allowed countrywide to draft my checking account for the principal and interest of $653.96 plus insurance and taxes escrow bringing the total to $842.00. Due to the insurance premium increase, my payment now has jumped from the $842.00 a month to $ 1, 372.58 a month. Countrywide starting drafting the account without a notice to me at all. When inquiring about the increase, I was informed to the situation after spending over 3.5 hours on the phone with countrywide. Since I was deliquent according to Countyrwide in the amount of $2, 762.92 which represents 2 payments, I agreed to pay the sum of $2, 000.00 on July 31, 2008 with a payment the middle of August 2008 of $762.92. Now I am getting a call from Countrywide India saying that I owe them $2, 771.44. COUNTRYWIDE really sucks. They took the $2, 000.00 payment i made and put in in escrow. Not what we agreed on. Something really needs to be done about them. They are nothing but liars and cheats.

My wife and I have been battling CountryWide (which is now Bank of America) for several months. We started a few weeks ago contacting everyone we could in Washington D.C. We were pleasantly surprised that almost all of the government agencies we spoke with seemed to be pretty flabergasted and fed up with CountryWide's behavior. Everyone that posts a complaint here also needs to go to the website of the Comptroller of the Currency. They are the Government agency that regulates CountryWide . Their website is WWW.helpwithmybank.gov. If enough of us file complaints there, they will have to act.

As a first time homeowner, back in 2007 when I took out a loan with Country Wide, I had a credit score of 705 and had had a down payment of 43, 000 ...a 20% down payment, because of the down fall of mortgages starting to rise, CountryWide stated that I would only qualify for a fixed rate of 8% interest rate, I could not refinance due to high penalties and had to wait a year.
NOw, my credit has suffered and unable to refinance due to poor credit...SCAMMED!

I was notified by Country Tax Services that I owe them over $11, 000 because they erroneouly paid my property taxes. I have received threatening letters with a return envelope demanding that send them a check for the amount or they would add payment penalities and take collection action against me. I have never had any dealings with this company and have paid all of my property taxes. They seem to expect me to pay for their negligence. These guys sound like a bunch of bottom feeders. I can understand why the financial services industry is in such a mess.

Dennis Ciborowski

I recieved a notice that my payment would increase by $305. due to "escrow Shortage" they claim i have a "projected " shortage of $805 for the year due to my taxes increasing. Now I'm no rocket scientist but $305 x 12 is a hell of alot more than a "projected shortage" of $805 for the year ! This being bad enough...but my proerty taxes are slated to GO DOWN by $860.00 this year! THESE GUYS ARE THIEVES ! DO THIS TO ENOUGH MORTGAGE HOLDERS AND THEY GET BILLIONS TO HOLD AND COLLECT INTEREST ON FOR THE YEAR! BTW THEY ARE NOW OWNED BY BANK OF AMERICA...MY SOLUTION? APPLY FOR A BANK OF AMERICA VISA CARD...GO ON A SHOPPING SPREE AND THEN CALL EM UP AND SAY THE CARD WAS STOLEN! YOUR ONLY RESPONSIBLE FOR THE FIRST $50.00 BY FEDERAL LAW...TWO CAN PLAY THIS GAME !

Absolutely! And then when you call and challenge them they are rude and combative! I do not ever plan to purchase a home again but if I do find myself in that position, Countrywide will absolutely be the LAST place I turn to for financing. We also ran into the tax issue last year when we went to close on a property we sold. We closed within DAYS of taxes being due - COUNTRWIDE-SCREWME said they'd paid the taxes - county (who I would trust WAY before I would CW) said no they hadn't. Had we NOT gone to closing when we did and coughed the money out of our pocket - we would have been delinquent, etc.

It takes ALOT to get me mad, but let me tell you - having just got off the phone with an egotistical jerk at CW, I am almost in tears and he had the absolute BALLS to tell me that "oh no, our company is not in any financial trouble" . . . Maybe not but you sure are KILLING alot of good, honest people, with your unethical practices!

Countrywide misspent our escrow account, making payments that were not even on the escrow schedule. This put our account behind, NINE months later they come at us with a $700 a month increase in payments that were already $1800 a month. When we call them and try to talk to them and point out that THEY mis-spent it, not us, they put us on hold ad infinatum till we give up and hang up. (6 hours at one point) This is criminal and the american homeowner is being raped but this company is continuing to get away with this as the nation focuses on the variable rate mortgage problems.

Oh shut your lying mouth. You are obviously a plant from this corrupt company. I almost got a mortgage through this company until the contract was deliberately confusing with numbers going all over the place. A fast talking broker tried talking so fast as to hopefully confuse us. We were dissatisfied with his behavior and the numbers not being right from one page to the next, so I did some research. The complaints are universal, into the thousands with the same complaints being registered over and over all over the country. How do you explain the FBI investigating them? They are labled a predator lender who lend money to people they know in advance cant pay it back. The number one complaint from people is that their payment is conveniently not registered until its one day late, even on bank transfers. This is to generate millions of dollars in rip off revenue. The hell with the fact that thousands of lives are being screwed with, let alone late fees and credit ratings. I had 2 different brokers I went to after I opted out from signing with Countrywide, and both said they wont do business with them. Both told me horror stories of deceit and fraud from the local CW branch. I decided for our own safety to redo the whole process with a legitimate lender. It was much tougher, but I was glad, because it showed me the lender was being very careful who they lent their money to. CW is basically organized crime. And we don't need an idiot like the previous blogger blaming tens of thousands of people when one corrupt company is to blame. Do not deal with them.

What a bunch of whiners! Most stories are from those with bad credit and therefore high interest rate loans. Guess what, you have to pay those off, its not the banks fault you have bad credit and have to get a high interest rate loan. Now your blaming them for you having no money to pay it. Thats the rules, you lose your home if you can't pay. Try to Pay attention!
Some have ARM loans which is your mistake because yes the interest rate can go up, hence not being fixed...duh! But guess what, the change in the rate and increased monthly payments has nothing to do with the lending organization. The bank has to follow set rates so yes you can get screwed, but this is your own fault! Again, Pay attention! You signed up for it and didn't know what your doing, so its not just the banks fault. Take some credit for these mortage/foreclosure problems, its mostly your fault. Most don't know what they are signing and don't understand how loans work. You asked for the loan and now your complaining about paying for it? Good luck in your lawsuit, and if you don't realize, lawsuits will end up costing you money too.

There are only a few who have justified complaints about customer service and especially about appraisals. I do support those with problems dealing with customer service. Most businesses put the least amount of effort in customer service.

have you been able to seek legal action I had been sick and had a few emotional problems asked the bank to work with me and not return my check etc because I would at times duplicate pay on line . they said they paid the largest first which ment a cup of coffee cost me 36.00 intstead of1.00 and for 3 years I could not keep up with the additional overdraft charges incurred to pay my bills and was forced into debt management being 68 one day I went to another bRANCH AND THEY asked why I had this account and put me in an access account which I beleive I have more controll over. and they return the checks that are not being paid which helps and alerts me they also showed me ways to limit my debit card but why did it take 3 years I also would like to get in touch with a lawyer

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.

I had the same thing happening, my account was closed for almost a year and I was finishing paying off my credit card, they charged me the same amount that you mentioned, I called them and simply told them that my account had been closed since a year and they refunded me. Good luck!

Unaware that money was drowned out of my account? Why? I would like a refund unless with a reason.

I have been using my card for nearly the same amount of time. Only one late payment and that was 3 years ago. Then all of a sudden, my rates went from 0% to %15.99%. Pure, unadulterated usury. And this is after I've been paying more-than-minimum payments and even paying when I was given a "payment holiday" for two months in a row. They need to be stopped. I'm working hard to pay off my card, but their finance charges are making that extremely difficult. I've learned my lesson, now I want to get on with my life.

Bank of America has just started putting seven-day holds on my deposits.

I have been a customer for 20 years and have never had a deposit returned. They tell me the reason is that they have started to receive fraudulent deposits on other accounts. I asked them why I had been put in that category. They said they have no answer to that.

I was waiting on hold for bank of america customer support. The representative I talked to on the phone seemed to be professional however 20 minutes into the call she, I believe, terminated the call for no apparent reason.

i have been blocked to my account fo r 1 year plus or minus when i try to log in my user name and password are correct when i try to put my ss number i put in the first 3 numbers and 4 digits appear then i can not continue .

I open up a HELOC with Bank of America and I sign up for a fixed rate HELOC.

The representative sent me the notarizer sign my paperwork they put me in variable rate HELOC to get to get more money from me and my family.

They are crooks and liars. I will be taking my portfolio to Charles Schwab. Boa is trash.

I would suggest that anyone wanting to purchase an IRA with Bank of America think twice. Along with exceptionally low interest rates, if you want to transfer your IRA (s) to another financial institution you will be charged a transfer fee of $50 per IRA transferred. Discover Bank does not charge transfer fees.

Names: SSENYONJO MICHAEL

Student: University of Maryland Baltimore

Student ID : VG15010

Account : [protected]

They charge $15 for cashier checks.

I sent a Zelle from my account on August 11th, but the person never received it. Bank of America just took the money from my account and the money disappeared.

I trying to get my money back since August with Bank of America and they never got a solution for this case. I am feeling very disappointed

and stolen.

Back in 2020 when the pandemic started my unemployment was going to bank of America but my account got compromised I notified the bank but nothing was done to help me I stop deposit from going to bank of America but I was still out on 5000 two years later they credit my account for 2417 but tell me I have to wait 45 days to get it

I am a thirty year customer at Bank of America. I have several accounts with them and I can’t get a simple letter on letterhead stating my account info, etc. Something so simple made complex. They can even email to the company that I need it to go to as soon as possible.

Bank of America’s "overdraft" system is a crafty positive cash-flow scam in my opinion. Here's why I feel this way:

I have two accounts with BofA that I manage using the same Online Access ID (I see and manage both accounts after logging in). One account "A" is where I keep the majority of my funds and the other "B" is from where I write checks, make credit-card purchases (card has a Visa logo), etc.

When I make a CREDIT purchase (not Debit) on a weekday (Monday-Thursday) using "B", I transfer funds from "A" to "B" using www.bankofamerica.com that same night. The snafu is, for my location, I need to make such a transfer BEFORE 10:45pm "cut off" for some unknown-to-me reason, or the funds will NOT hit the account in time to cover the credit transaction. In that scenario, BofA will charge me $35 PER transaction that it now considers in overdraft.

On a side note, their transfer confirmation page does NOT bother to list their server's current time for your records (eg: a print out). I find that equally as frustrating, since you would have NO proof to refute a claim that you did indeed transfer before their "cut off" time.

Why question is WHY would my transfer from "A" to "B" -- two BofA accounts BOTH managed by my one Online Access ID -- not be INSTANTANEOUS? The funds are MINE already (not from a recent deposit), so why not just consider the funds instantly moved when I do an online transfer (even if the physical funds still have to go thru a wire-transfer or similar process the next business day)?

I firmly believe that this is a HUGE money maker for Bank of America; to scam extra cash from their customers who are less fortunate, living paycheck to paycheck thereby keeping a low average balance.

Again I say, if the funds are already in my account "A" and I transfer them online to "B", why is that not immediate REGARDLESS of the transfer time?

I am exploring other banks and their policies at this time.

Ever since MBNA was bought out by Bank of America, my credit card transactions has been a night mare. I am an involuntary victim of their poor customer service.

On Oct 2006, someone cashed a promotional check for $8600 that was mailed to my old address. I called to report a fraudulent transaction and the Rep said that the check was used to pay-off a chase Credit Card balance. I was confused since I also had an account with chase that I had just paid in full. I told her it couldn't be me. Her reply was, You did the same thing a week ago so it must be you. I was furious, put on hold for ever. I tried arguing and asked to be transferred to the Manager. They finally found out it was a different chase account that belonged to somebody else. Had it not been to that stupid thief who left fingerprints all over the place, I was liable for their own clumsy service. Before the fraud happened, I was on a zero% promo which was taken away when this happened. I now call every month to get credit for the Fin charges which should be cleared at once. I can't wait to pay it off and Close my account with them.

I also tried the Freddie Mac Home Retention Program and to no avail, waited one year and called almost every month and all I wanted was to go from a 15 yr to 20 yr fixed to make my monthly payments a little more affordable. at the time I got $8K behind and was told oh don't worry, you cant be foreclosed on in this program. After sending in numerous lengthy docs, still no answers or solutions. I was lucky enough to sell something else and bring the note current. Went thru a bad spell like a lot of other folks, my escrows, I had always paid myself. And I did get a little behind in my taxes, but set up a payment plan with the county and was making payments, so since I am now over 65, I can make quarterly payments, which I made the first of Jan 2011 and next thing I know BAC home loan servicing sends me a letter dated Feb 24, but I did not receive until Mar 6 that I was delinquent and now they would be increasing my mo. mortgage to include an escrow account even though, I have already paid 4 years and have always paid my own escrows. Funny thing, they made payments on my property taxes without consulting with me and in fact payments were done just 4 days after their letter dated Feb. 24th. I had already made the first of my legal quarterly payments and then went ahead and paid the entire amount owed on mar 7th just a few days after receiving their Feb 24th letter. Now my taxes are paid double and I called customer service and said is this how you do business... Do not communicate with your customers I was told that evern if their was a shortage of $5 on my taxes, they could take over the esc row accounts anyway... That is news to me... Also, when trying to get things straightened out, and calling to recofirm with the tax dept., I was told that the escrow account had already been set up and I did not need to speak with that dept. I said... Are you refusing to put me through to the tax dept., before the really rude individual actually put me thrugh. Unbelieveable, also, they have quite an attitude, like, what the hell we set the rules, and thats it... I sent the receipts for all property taxes paid and was told that that was all that was required and things would be back to normal after BAC received their refunds of taxes paid .. Now I have gotten a statement saying that because I had applied for the loan retention program 2 yrs ago, that now I would have to have an escrow account.. Funny thing, because my payments are not being acknowledged, they want to charge me an extra $700 a month on top of my $1, 200 a month mortgage. Even though I was told that I would not be set up on an escrow. Whose pockets do they thing they are lining? I was tld initially, when I received the first letter about how they were going to take over my escrows, tha I was not "allowed" to make partial payments to the county. Guess what? and this in a very rude many by their oh so courteous customer service dept., What in the Hell, do you think, its called when you have an over 65 exemption... it means you can make quarterly payments with no penalties or interest. Is this also, BACs idea of help you lower your monthly payments to do a loan retention? Unbelieveable... Yes, I want to pay you an additional $700 per months to help me out when I am getting ready to retire. I am ready to get out of this loan and will sell anything to do so... and would advise anyone to NEVER EVER THINK ABOUT A MORTGAGE WITH BANK OF AMERICA...

I had the similar problem as well.I tried to refinance my house, single mom.started my appilication in june now in nov boa sents me a letter to to tell me my credit is not high enough to meet the standards.In august alicia miles called to tell me that I do not have to pay my mortgage for 2 months, and that the loan is approved but in september she called me to tell that I have to pay my mortgage, so she said she will cancel the late fees, but trickey, that late fees is now added with interest and I have a lien on my house.Is there a place to file complaints like this and they could be investigated.

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

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

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

I have been fighting with BOA since November 2009. They had someone call and offer me a program for my credit card balance at a reduced rate from 26.98% to 5% if I made an electronic payment transaction over the phone that day. I did the transaction and the following month when I got the statement it showed the electronic posting but the reduced pament schedule and interest rate as promised had not changed. They also charged me a late fee because the payment was only $200.00 not $250.00 even though that was the required amount they said they would accept for the electronic payment and thereafter. I called and spoke with another representative who apologized and said they would take care of it and maybe the statement just did not reflect the program agreed to yet. That was three months ago. No one has called. I wrote a certified letter that they did not respond to. I made the next payment on time, the posting for the following statement was the same, no changes, late fees, increased payment due of $1, 350.00. I called again and again they said they'd take care of it. This time I got the representatives name, confirmation number and agreement. When the statement came this month, same thing, no knowledge of the agreed upon program. It reflects two payments one for Jan. and a early payment for February, but a late fee because they have not changed the payment from $250.00 to $200.00 as agreed upon by both of their account reps. Today I called and again the representative said he was sorry, apoligized and would take care of it. He would deduct $245.00 in late fees and set up the program as promised. He gave me his name, a confirmation number, his direct phone number and promised the agreement in writing within 10 business days. I asked him "why should I bother to make another electronic payment (which I went ahead a did) so that they know I'm sincere about the new terms and conditions! when they continue to make my balance increase with late fees and interest at 27% and no acknowlegement of their agreement from the past 3 months? I told them I've seen old movies about LOAN SHARKS and the Mafia who used to operate this way...except they went to jail. Now I'll wait and see next month if the fourth representative apologizes and is truly sorry!

From: skewell@btinternet.com
> Subject: Congratulations!...(Contact Your Winning Agent)
> Date: Wed, 17 Jun 2009 05:47:23 +0100
>
> Yahoo Awards Center
> 124 Stockport Road,
> Longsight,
> Manchester M60 2DB
> United Kingdom
>
> CONGRATULATIONS!
>
> Attn:Sir/Madam
>
> This is to inform you that your personal e-mail address have won a prize money of 1, 000, 000.00GBP (ONE MILLION GREAT BRITAIN POUNDS) for the 2009 Splash Promotion which is Organized on 15th June, 2009 by YAHOO AWARDS & WINDOWS LIVE YAHOO! collects all the email addresses of the people that are active online, among the millions that subscribed to Yahoo and Hotmail and few from other e-mail providers. Six people are selected monthly to benefit from this promotion and you are one of the Selected Winners.
>
> PAYMENT OF CLAIM
>
> Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Prize Award must be claimed no later than 15 days from date of Draw Notification. Any prize not claimed within this period will be forfeited.Stated below are your identification numbers:
>
> TICKET NO:MFI/07/APA-43658
> REFERENCE NO:[protected]
> LUCKY NO:128056UK
> AMOUNT 1, 000, 000.00GBP
>
> These numbers fall within the England Location file, you are requested to contact our fiduciary agent in Manchester and send your winning identification numbers to him;
>
> AGENT INFORMATION
>
> Agent Name Scott Ferguson.
> E-Mail: scottferguson62@sify.com
> Tel: +[protected]
>
>
> You are advised to send the following information to your Claims Agent to facilitate the release of your fund to you.
>
> 1. Full name...
> 2. Country...
> 3. Contact Address...
> 4. Telephone Number...
> 5. fax Number: ...
> 6. Marital Status...
> 7. Occupation...
> 8. Date of brith..
> 9. Sex..
>
> As soon as he receives your details, he shall commence the process that will facilitate the release of your fund to you.
>
> Your E-mail address should be used in all correspondence with your claims Agent, please Note that, you are to contact your claims officer via email and phone as we are promoting the use of E-mail.
>
> Congratulations! once again.
>
> Yours Sincerely,
>
> MRS.GRACE WILLIAMS.
> PAST WINNERS OF OUR PREVIOUS AWARD.
>
> WARNING!
>
> Do not tell people about your Prize Award until your money is successfully handed over to you to avoid disqualification that may arise from double claim.
>
> You may also receive similar e-mails from people portraying to be other Organizations or Yahoo Inc. This is solely to collect your personal information from you and lay claim over your winning. In event that you receive any e-mail similar to the notification letter that was sent to you, Kindly delete it from your mail box and give no further correspondence to such person or body.
>
> Yahoo shall not be held responsible for any loss of fund arising from the above
> mentioned.
>
> Please Note:
> This e-mail address message was sent from a notification-only that cannot accept incoming e mail.Please do not reply to this mail address.

2 minutes ago by kali40 0 Votes
> From: skewell@btinternet.com
> Subject: Congratulations!...(Contact Your Winning Agent)
> Date: Wed, 17 Jun 2009 05:47:23 +0100
>
> Yahoo Awards Center
> 124 Stockport Road,
> Longsight,
> Manchester M60 2DB
> United Kingdom
>
> CONGRATULATIONS!
>
> Attn:Sir/Madam
>
> This is to inform you that your personal e-mail address have won a prize money of 1, 000, 000.00GBP (ONE MILLION GREAT BRITAIN POUNDS) for the 2009 Splash Promotion which is Organized on 15th June, 2009 by YAHOO AWARDS & WINDOWS LIVE YAHOO! collects all the email addresses of the people that are active online, among the millions that subscribed to Yahoo and Hotmail and few from other e-mail providers. Six people are selected monthly to benefit from this promotion and you are one of the Selected Winners.
>
> PAYMENT OF CLAIM
>
> Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Prize Award must be claimed no later than 15 days from date of Draw Notification. Any prize not claimed within this period will be forfeited.Stated below are your identification numbers:
>
> TICKET NO:MFI/07/APA-43658
> REFERENCE NO:[protected]
> LUCKY NO:128056UK
> AMOUNT 1, 000, 000.00GBP
>
> These numbers fall within the England Location file, you are requested to contact our fiduciary agent in Manchester and send your winning identification numbers to him;
>
> AGENT INFORMATION
>
> Agent Name Scott Ferguson.
> E-Mail: scottferguson62@sify.com
> Tel: +[protected]
>
>
> You are advised to send the following information to your Claims Agent to facilitate the release of your fund to you.
>
> 1. Full name...
> 2. Country...
> 3. Contact Address...
> 4. Telephone Number...
> 5. fax Number: ...
> 6. Marital Status...
> 7. Occupation...
> 8. Date of brith..
> 9. Sex..
>
> As soon as he receives your details, he shall commence the process that will facilitate the release of your fund to you.
>
> Your E-mail address should be used in all correspondence with your claims Agent, please Note that, you are to contact your claims officer via email and phone as we are promoting the use of E-mail.
>
> Congratulations! once again.
>
> Yours Sincerely,
>
> MRS.GRACE WILLIAMS.
> PAST WINNERS OF OUR PREVIOUS AWARD.
>
> WARNING!
>
> Do not tell people about your Prize Award until your money is successfully handed over to you to avoid disqualification that may arise from double claim.
>
> You may also receive similar e-mails from people portraying to be other Organizations or Yahoo Inc. This is solely to collect your personal information from you and lay claim over your winning. In event that you receive any e-mail similar to the notification letter that was sent to you, Kindly delete it from your mail box and give no further correspondence to such person or body.
>
> Yahoo shall not be held responsible for any loss of fund arising from the above
> mentioned.
>
> Please Note:
> This e-mail address message was sent from a notification-only that cannot accept incoming e mail.Please do not reply to this mail address.

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I recently applied for a mortgage with BOA and was told a $400 application fee was necessary. I am on limited income (SSI) and had been told by the town I live in that I qualified for an affordable housing unit. BOA knows all the details. Well, the town made a mistake and I was not qualified for the affordable unit. I asked BOA for my application fee back and I was told "that is the cost of doing business" ! I told them that they had done nothing for me, maybe pull a credit report? and again I was told "that's the cost of doing business". They are disgusting to take advantage of a person who is trying to find an affordable place to live and who is disabled. They shouldn't do it to anyone! I plan to tell everyone I know to stop banking with BOA because they don't care about you as a person just the $$$$

I took my money out of Bank of America when a nasty teller had all her friends cut in front of me on line and then when I said something talked about me to them in spanish. I withdrew everything I had and never went back.

They give bank accounts to illegals and once I went in there to use the ATMs and they were both in spanish. When I complained, they were nasty.

If you love America, take your money out of bank of america because there is nothing American about it.

For all of us who are sick of Bank of America's fraudulent practices:

Apply for a job via their website or local branch. Of course they will turn you down (especially if you are white or male).

Make sure they send you a denial letter and don't just ignore you.

Once they turn you down, lodge a complaint against them at your local EEOC office.

I mean good grief, they want to grab all our money, but yet so many people cannot find jobs these days. It's not like they would hire any of these people they rip off.

Let's all send off an avalanche of EEOC complaints (instead of a class action suit.) BOA can fight lawsuits with their armies of lawyers. BUT they would HAVE to answer to the EEOC. (The EEOC is the most mortal enemy that any business can have.)

Many of victims should consider this. The very people who cannot get jobs or pay their bills are the ones that BOA rips off the worst.

Since Bank of America lowered my credit limit and jacked my rates to 27% for no reason other than a high balance I started checking on line to see if a pattern existed, it does.
Many of the credit card companies including Bank or America and Wamu seem to offer these special promo checks, 2, 000, 3, 000, 4, 000 dollars, they tell you to spend the money anyway you wish but oooooh, when you do it is not long before they cut your limit back, then they say your balance is too high and has lowered your score and they must raise the percent rate, when you complain they tell you to pay the high rate or they will close your account and ruin your credit.

What a game, wonder who thought that up?, it should be concidered "Loan sharking" to lure you in, then purposely ruin your credit just so that they can make a profit. I have found that Bank of America is the worst, American Express is also in the game as is Wamu.

Thise are all well known banks, so how can they get away with it? because no one sat down and looked at the criminal element of it all, these peope conspired to commit a crime, to con all of us and basicly extort high interest out of us or ruin our names.

Class action law suits should be brought against these firms, if the government will not protect us then we have to ourselves.

Bank of America is the worst at customer care, I have never been late, never missed a payment, yet thise people jacked up my rates to 27% for no reason other than a high balance and they are the ones who offered the "promo checks" in the first place.
When I complained wanted to close my account and put me on some kind of special payment plan which would lower my rare but also blemish my credit rating which could cause my other creditors to raise my rate.
I have found no government control over these people, it seems they can do anything they want including ruining your life.
I intend to seek legal advice and possibly sue if my credit is damaged which is what a lot of other victoms should do, if the government will not protect us then we must do it ourselves.

Bank of America did not pay out the promotional bonus I should have been paid. This is truly the worst customer service I have ever received. Even among big banks they rank worse than Wells Fargo. I can't see myself doing business with them in the future.

I want to file charges with Aetna, reconstructive surgery, my fathers coroner, his prison regional medical where military age and NYU Langone state hospital and US Health and government services where may have instruments and access to my social and deceased father with his health insurance where want charges for 1/08 MT Sinaii as a minor Hennessy

I just received notification of garnishment. I am claiming my exemption.
I am filing for chapter 8 bankruptcy.
My bankruptcy attorney is:
Rick Mickelson
101N Main Ave
Sioux Falls, SD 57104
[protected]

I have deposited cheque on 4th September '18. It was bounced but still not return cheque. I want to redeposit this cheque to the bank. Please do the needful.

My question is in regards to the state depositing money into my account and not be able to access my funds till the following day! Is a program that the state set up with the bank so it should be deposited into the account and I should have access to that immediately ! I think it's kind of silly that they make you wait a day to access your funds

I will like the intent of the inheritances not to change in the bank to give to important positions in the community. I do not wish my name to be changed to another or the intent against the will. michelerobertson07@gmail.com

Bank of America should have their contract yanked from the state of California. Deposits are always late. Unauthorized charges consistently hit the account and BOfA does nothing to resolve in a timely fashion. They are a fraudulent bank and should not be in business. They're rude, incompetent, and down right a bad bank.

I haven't use your site for a month so why did y'all take that amount of money from my card you guys are scamming people, refund back my money ASAP

An associate literary hang up the phone on me after 35 mins on the phone with them. Wow, closing my account and staying away from them.

I have contacted B of A four times in the past three weeks
my email address is mmiller4@hotmail.com
the last four of my Social are 2325.
I paid off my motor home mortgage account [protected]
eight weeks ago and still do not have the title
and the lien is still active with Ohio BMV.
My next step will be to see a lawyer.