Bank of America

I went to check the balance on my checking account and noticed that it was -850, 000 dollars. I called customer sevice and it turned into 1.5 hour and 5 different people telling me they couldnt understand it. I finally got ahold of someone from the fraud department that said the bank decided to end the relationship based on something from my credit report. I was never notified of the attempt to close my account and now i have to go without my funds (over 5000 dollars) for 15 days to process the closure. I have been a loyal customer since 2005 and this kind of business practices people should start paying attention and let everyone know never to use this bank. They obviously do not care about the individuals that made them to what they are today.

Signed a pisted off American

Bank of America ripped me of legally!
I complained to them so many time, but never heard from the, the survey that they send you is just a bogus one, i put

my email address, phone and name for somebody to contact me, but they never did.
I lost my house in a national disaster, After the insurance paid me, i had to give the check to the bank (at that time

Countrywide), they gave me 1/3 of the proceeds to start rebuilding, and told me the 2nd and 3rd proceed will follow

when i started. Bank of America bought Countrywide. after that they gave me so many problems for issuing checks, that i

had to borrow money from family and friend to get my rebuilding going. They kept more than $160, 000 of my money in a so

called escrow account for more than a year and paid me less than $3 interest on it and at the same time were charging

6.5 percent interest on my mortgage! I wanted to pay off Coutrywide at first and when it get the time to rebuild get a

construction loan with a much lower interest rate on the money that i was getting, not the money that i would be

getting! But Countrywide promised that their payment would be very easy and I shouldn't mess with it. That wasn't the

case when BOA got the loan. Anyways I lost more than $15000 in interest alone. Not to mention that every time BOA sent

me a check, they would put a hold on it at BOA, on their own check! Once I got a check for $10, 000 and took it to BOA

in Camarillo and wanted to cash it, the would give me just $1000 in cash! They said I should have called three days in

advance for getting cash. Can you believe it? I do have the name and days of all these incidents. But nobody listened

to me, ever. So my suggestion to you, if anything happens to you house, and you get a check from insurance, payoff the

bank, so you don't have a mortgage payment interest for a house that you don't have for a year or two when your are

rebuilding. I don;t know who are these lawmakers that make law for consumers that require them to give their insurance

proceeds to the bank, and not to get any interest on it, but at the same time pay interest for same money as mortgage

to the bank, and go through so much hassle and beg for your money that the bank is keeping! In a so called escrow

account ( supposedly the bank cannot touch the money, give me a f..break!).

My husband was in the middle of switching jobs and we had just enough to get by and after $300 in overdraft fees (mind you they cleared 9 transactions the same day that had been pending anywhere from 1 day to 5 days under $6.00 each which made us go wayyy in the red) my husband finally gets his first paycheck from his new job.. $1, 200. Direct deposit won't be starting until next pay period..
On August 8th we go to the ATM to deposit it, finally relieved that we can get our balance back to zero and get some bills paid and best of all, eat.. The ATM gives me a reciept and I look in horror when it says funds are on hold until the 19th!
I get home and call the bank and demand that they either release the hold or return the paycheck and they say there's nothing they can do. Our electricity got cut off, we had no groceries for 4 days and my husband is a truck driver so we was out on the road for a week and a half with no money for food... By the time he got his pay from them they had charged us another $70 in "extended overdraft fees" and "insufficient funds" fees totaling $140.. Surprising how they didn't decline any incoming charges UNTIL my husbands paycheck was "pending."
When all was said and done $525.oo of my husbands $1, 200 paycheck went to the f***ing bank, because of all the overdraft fees and it was all because they decided to hold the only money we had hostage.. I wish we could file a lawsuit but there's no way we'd ever get anywhere.. It's wrong, unethical and they deserved to be in jail for stealing hard earned money like that.

To all:

Bank of america fraud of benefits

I filed for the cardholder security plan with bank of america.
This service I have paid for the last 6 years.
Now after being laid off in april 2010 I activated the benefit was approved for 15 months.

I have been not only been faxing one of the benefit managers of the benefit department directly the paperwork required each month but have also sent a mailed copy to the benefits department with a tracking number.
I phoned to follow up on the status of my benefits and the representative informed me the paperwork had not been received... So I faxed and call to comfirm receipt of the paperwork.
Now I receive in the mail a notice the maximum number of payment cancellations has been reached... What? Really and at the end of this notice thank you for being a valued customer...

I had changed my morgage to another bank and will never engage in any finicial activity with bank of america. Personal or business accounts. When I return to the corp world I will never recommend bank of america or use the for any corporate business.

I filled out an online application for a new mortgage and got pre approved. The problem started after i received the packet from them. I sent all the documents as requested. They started questioning about some transactions that I had made in the last few months. I tried to get the documents for that. They said they were not satisfied with them. Finally they said all is fine and that they needed a "signed letter about my birth date". Seriously, i asked after I had sent them a copy of my dl, my passport and my birth certificate. I sent it anyways.i did not hear anything at all until i asked my agent to call about 36 hours before closing. They came back saying now they had a problem with the appraisal. the same appraisal company that they had asked to do After i had asked my loan officer about it and he had said everything was fine.Then they said they will do an emergency appraisal the next day so that i could have my closing on the day scheduled. NOTHING, NO ANSWERS. I had to extend the closing. I finally decided to apply with a local bank.(they got it approved within a month as promised). Anyways later when i call them to cancel my loan app. the manager says that it is in review and that I should get the results within a few days. A week went by with no answer. After i got my loan approved with the other bank, The same day i get a call from a lady saying she will be my new loan officer. I tell her she is the fourth person that is handling my case withing the last month and that i have got my loan approved through another bank and to stop wasting my time and their underwriters time. I have been a customer for them for 7 years and the only reason i went with them was thinking it would be easier since they would have my records and financial statements. It has been really ridiculous, Especially"signed birth date letter". even they did not know what they wanted when i asked. they asked me to write a letter saying i am so and so and that my date of birth is such. I am going to be taking my business somewhere else after this type of service.

Anybody listening!

Description of complaint:
would you like to hear about how they are making money off supposedly helping people with "Home loan modification" programs? Trust me this is as concise as I can be; A year ago I asked to be late on 1 payment due to a change in my pay period. They signed me up for a loan modification through the "Keeping Home Affordable" program and told me I qualified in the first phone call and that it would lower my payments, I said OK and they said my packet would be there in 6 weeks. That was a year ago, after a year of me continually calling them (I could not even tell you how many times I called and how many people I talked to... all the way to the CEO's office!) I kept sending them money each month even though I was told I didn't need to by some and told the opposite by others. My online accounting (my only source of information on my account)did not show my payments made until I raised hell last fall and then some were all credited on the same date and they still were not labeled payments but MISC, I have filled out the loan modification papers and documentation twice without any confirmation of receipt except from UPS, and still there is no record of the money I have sent them since and the modification is still not complete. I have called my " so called workout negotiator- Terrance Holt" uncountable times, you cannot leave a voice mail it routes you to a customer service rep. who knows nothing! After a some random sleazy guy showed up at my home and handed me a hand written slip of paper telling me to call BOA Home Loans about my foreclosure (what?).. I finally kept calling till the "workout negotiator- Terrance Holt"answered his phone extension last week and he told me he had "closed" my loan June 30th, I asked why my online record still showed me in still in arrears and my payments are not posted and WHERE IS MY MONEY GOING? he said it was in a "special account" I could not see!. Every time I talked to someone (including the CEO's office) I asked for written documentation of what they were telling me and they would say they could not provide that, I would ask for their email address and they could never give one. My credit reports shows me as not having made a payment for a year! My questions; Why couldn't I just be late one month? Where is my money that I have sent almost every month for a year?(the only time I did not send a payment was the months immediately following my "approval of my app" and was told NOT to) the answer must be that they are making money off this process...Who is making money off my money? How is it possible that at the end of this process, I owe MORE than I did when I bought the house 2 years ago? Why can't I get a straight answer in writing? When am I going to get to see in chronological order penny by penny, what has happened to my account? Who is going to fix my credit report? I am sending this to the CEO's office and to a consumer advocate, I think they BOA count on we consumers being ashamed of our financial situation and not wanting to complain, well I am DONE with that. thanks for listening

MY bank promised me over the past 2 years that if i made 3 payments on my loan mortgage, my loan modificaiton approval would arrive in the mail (this was last year) here i am waiting for those papers 1 year later, they recently gave me the same promise, this time I asked for written request for this in the mail, so far they have done nothing.

My first morgage gave me loan mod a year ago and RAISED my payment, thats another story

Bank of America used Northstar Location services to collect on a bad debt for a customer who had the same name as my husband and lived in the same state. After they called my 72 yr old mother-in-law and told her she was stupid, I called them to put a stop to it. They told me that I was a bad mother and needed to get off the phone, leave my dead beat husband, and take care of my kids. They then called my husband who left work to handle it in person with the only BOA branch he has ever dealt with. The branch manager called the collection office to tell them they had the wrong man, but things continued to spiral out of control within the next few weeks.
We pulled my husband's credit reports and found a lot of cross reporting with this other man. BOA was the only bank that the man and my husband both did business with. We disputed all the incorrect information. Yet, BOA sent us letters saying they had been notified of our bankruptcy by Transunion (we have NEVER filed for bankruptcy, and when I immediately requested a copy of my husband's Transunion credit report, everything was fine). However, once BOA mixed their information of my husband and the other man, suddenly, my mortgage company and the company we had our truck loan through contacted us about our supposed bankruptcy. Many hours were spent proving our identity with all three credit bureaus, and everyone we did and did not have credit through. We put freezes on everyone's credit in the house, disputed all inaccuracies with the bureaus, and we closed our savings and checking accounts and our credit card with Bank of America. The last credit reports we pulled were totally correct.
That was almost two years ago. Recently, we wanted to refinance our house and lifted the freezes on our credit to do so. Immediately, my mother-in-law was called by BOA, and though our credit reports were great with scores of the upper 700s and lower 800s, my loan officer asked me about a "judgment pending" on my mortgage. She could see no reason why there had been such a thing and needed to get my mortgage company and BANK OF AMERICA on the phone. I hit the roof. Why would we ever need to talk to Bank of America? My mortgage company says they have no idea what is going on, and BOA says the same. What the heck is going on? I pulled all 6 credit reports before we lifted the credit freezes, and they were completely correct. BOA needs to be smacked with a class action lawsuit!

God. Bank of america sucks. They are awful... I was charged four fees, totaling $35 each, which are still processing, and they claim they cannot reverse until tomorrow, to see what my "relationship" is with the bank. (I have been a "client" since 1992!) I am going to my credit union this friday to open up an account there.

Bofa has uniformly been awful. The customer service has always sucked, they hire kids who could not care less, and who no doubt have no problemo working for such a corrupt company. Everyone who has accounts here should do the same as myself - go to your neighborhood bank and open a new account!
Do not give your money away to these crooks any longer...

The law firm of Salehi & Associates was recently retained by a client who, upon opening a Bank of America account, received a letter from Smart-Step Protector Insurance claiming that he had enrolled in one of Smart-Step's insurance policies. Salehi & Associates is investigating allegations that Bank of America improperly divulged personal information to third parties and/or that Smart-Step improperly obtained said information. We are currently looking into this matter, and are interested in any information or assistance that other Bank of America account holders would be able to provide. Please visit our site at www.salehiclassaction.com for further details on how to contact us. Thank you very much for your time and attention.

A Bank of America branch closed one of my checking accounts without notice, because a few of my customers bounced checks in a recession. Suddenly, my own checks began to bounce, because BoA withheld the $229, 912.37 that had been in the account. I could have stopped writing checks had I been informed immediately – but I first learned of the closing in a letter that arrived several days after.
Bank of America then closed two more of my checking accounts, calling me a “bad risk” – though my credit rating is quite good. Again, I was informed late, my checks were labeled NSF, and I was charged fees, while the bank withheld about $270, 000.00 from these accounts.
To date, Bank of America has returned only less than half of the monies it withheld. For several weeks before, BoA denied me information about my accounts by telephone, cancelled my online banking access, and repeatedly refused to say when I could get my money back.
Were the fees charged for the bounced checks not enough? Did Bank of America have to damage my credit report by labeling my checks NSF, while withholding my money and profiting from it, to my company’s impairment? That is dishonest business, based on a lie told about my finances.
This is more than inconvenience and expense to a business: it is a major disruption to its cash flow, and costs it accounting and managerial time. It is needless punishment, damaging a business under a vindictive cloud of secrecy – a cloud under which Bank of America has unethically, and hypocritically, profited.
How can Bank of America be so inconsiderate of the precarious state of American business, on which banks depend? The government has bailed out the banks, even though they had used their accountholders’ money to buy the political influence to secure the deregulation that allowed them to invest in subprime mortgages. The banks reaped heavy short-term revenues, and the doomed loans left the taxpayer, the investor, and the small businessperson to pay when they defaulted.
Arrogantly, BoA is now attacking customers like me to make more short-term profits, as that same paid-for deregulation allows banks to impose destructive fees and penalties on their accountholders. Despite all the bad press and public animosity earned in the last year, banks will go on abusing us so long as they are permitted free rein by government and banking authorities – and by the press.

Bank of America did not protect me and my account. Unfortunately I was a victim of fraud and fell for the online Receptionist scam. I did a few tasks as required, and even looked up and contacted the bank that the cashiers check was from. They told me that they could not verify funds but that it was a guarantee the check had funds if it was from their bank and in cashier check form.
Now I have been with Bank of America since i was 16. I am now 23 and have ALWAYS had my account in good standings. Assuming Bank of America's teller's are trained to recognize fraud and or the process to protect "one" from fraud, I was confident that they would protect my security. When I went to the bank, the young lady placed no hold (which is what usually happens when I deposit or cash any checks with them) on the check and believe it or not cashed it and handed me the money right there and then. I was kind of shocked due to the amount of the check and guessed that she was familiar with that bank. Either way I figured $2500 is a lot of money and questioned the security of the check and if it was possible that this could come back to me for not placing a hold to verify funds? She told me it was not necessary. So like a fool I sent the money away to some other state and was totally scammed. About five days later I went to take out some money and the teller assisting me tells me that my bank account is overdrawn and I had a negative balance due to the check coming back as fraud. Immediately I spoke the manager and she went on to tell me i was like the 5th person this had happened to that week.
So not only did they not protect me they totally screwed me. Manager gave me some phone number to call in regards to "paying" the balance. When I called to explain what had happened it was totally irrelevant and if I did not pay the balance in full within 20 days, they were going to close my account and I would not be able to open an account anywhere for 10 years! This horrible incident may have been my fault for falling for the scam, but I was very upset with the lack of protection I got from B of A. I feel they are to protect me and the didn't. I called the police, filled a report, reported to the FBI because this guy sent me another check. I wanted them to pursue contact with him and try to catch him and or do whatever they could and they told me "hopefully you learned your lesson and won't fall for it again, unfortunately we can't help you".

Example: My father fell for something similar and took a check to B of A, Santa Rosa location (next town over where he lived) and right away the teller that was assisting him told him the check was fraud. Did I get the poorly trained teller or what? I'm so confused as to how the bank allowed this to happen. If anyone has any advice as to how I can help myself your emails are totally welcome. And please no negative comments. I already realize how idiotic I was to even fall for such a thing.. [protected]@yahoo.com

Walter S Westberry no longer even uses this FIA card and is being billed 24.99% interest monthly and charged interest on balance transfers, cash advances that are not even being used. $214.99 interest on balance transfers and $12.04 for cash advances.
We are paying more than the minimum payment each month but with $229.44 monthly interest, we may never get it paid off. I think someone should do something about this high interest rate we are being charged and not even using the card at all, just trying to pay it off. It is not fair to have worked all our lives and then being saddled with enormous interest rates that they absolutely REFUSE to reduce. What can be done? I have already complained to my senator in SC and also lodged a complaint online about this. Tell me what can be done, and DO NOT tell me to go to credit counseling.

On June28 I accidently sent $1, 736.00 to the gas compay via Bill Pay instead of $17.36. The gas company recongized it as an error and immediantly sent it back. BOA sent it again. The gas company sent it back again. The bank charged me 5, yes 5 NSF charges of $35.00 each and a $10. returned fee. Totaling $175.00 in fees. I was declined my request for waiver of partial charges without an explaination or notification of denial and had to spend over 20 minutes on the phone just to find out the outcome.

I received notice in March that my loan had been assumed by BAC. I did not receive a statement from them in April so I called and was told that the loan was paid off. Obviously a computer error. The next time I called to try and make a payment I was told that I could not make a payment as the house was in foreclosure for non-payment for 14mo. After many phone calls, I was told that my previous lender had filed bancrupcy and that it was not BAC's fault that the government had not released the records. I finally got them to accept bank statements as proof of payment. In the meantime, I gave them the equivalent of 3 months of payments while they figured out what I exactly owed. In the meantime, I started the modification process. Today I received requests for additional documents for the modification and taped to my door was the notice for sheriff's sale. They won't ley me make payments! They won't tell me what I even owe! How is this all legally possible? Who governs them? Who can I talk to? I can't afford an attorney and still risk losing my home!

They are simply cruel & unusual. They are also disrespectful and impractical (they hurt their own business with their foolish ways). Why any company would just shut down people's credit card accounts on grounds they are overspending is silly as they are hurting their own dividends from finance charges. Obviously, if ones credit report shows 100% success with paying off loans and balances over time they should leave that customers' credit card alone! This is why their performance as a company is lackluster. If I were the CEO of this company I would really figure out which manager in that FIA card services is telling the employees' there to be some kind of "credit hero" where they close all accounts if the customers revolve debt. Um..hello? Customers' who revolve debt and successfully pay them off over time are the people who generate the banks' income FOOL! Do not do business with them if you want a reliable credit card that won't give you hassle. They are all hassle and they will also demean you as well as HURT YOUR CREDIT RATING if you try to defend yourself. FIA Card services managers are filthy, ignorant swine and should be fired for being so stupid.

In March of 2010, I was paying my bills on time, I was struggling to do this and often borrowing from my adult daughters to get me through the months but I was doing it. Then I decided to see if I am eligible for Make Homes Affordable Loan Modifcation Program (HAMP) that the President has pumped money into banks laps so they can do this to help people like me. It turns out, I am eligible. I turned in all of the required paperwork on time. Everything is going like plan. I am "in Review" still. It is almost July. The problem? Other than the ridiculous wait? As soon as they took my application they established an escrow account for my property taxes (that were not delinquent..I never approved the escrow account outside of the loan modification and I wasn't even notified it was going to be done). So this significantly RAISED my house payment. For April, and May, and June and now July. I needed it lowered. I was barely making my bills before I called. Raising my house payment was the straw that broke the camel's back. Bank of America told me I had to pay the full amount...my original payment and teh escrow payment or I would be pulled from the Make Homes Affordable program.

Even my daughters couldn't bail me out of this financial mess, so I missed credit card payments. They charged late charges, added penalty interest rates, doubled payments...now there is no way I can pay them. I called Consumer Credit Counseling and they say the only option considering my housing expense is so high is to go bankrupt. I just can't believe this is happening. I called Bank of America for help. The website says "the sooner you call - the sooner we can help" and at the time I was still treading water and doing okay. Bills were paid. I was eating and able to buy all off my prescription meds. Now, four months later, even though I am eligible for the loan modification - I have a higher house payment, my credit cards aren't paid, I have to pick and choose which prescriptios I buy because I can't afford them all. I feel like I am in the Twighlight Zone. Where's Rod Sterling when you need him? I want him to come out so this episode of bizzare events will end.

This is what American banks have done to America...in President Obama's name. I doubt he would be happy.

I have been trying to complete a short sale with Bank of America for a year and a half quite unsuccessfully. Bank of America has repetedly lost correspondence and information that my real estate agent and myself have submitted. Neither their short sale department, forclosure department or their collections department are in communication with eachother and have had to deal with all three departments. At no time was information in collections retained for further calls and I recieve on average 5 calls per day beginning at 7:00 a.m. and ending around 9:00 p.m. I spoke with a membe3r of the modification department earlier today and this man was incredibly rude and condescending and refused to give me his name on several requests. The only time we were close to closing, Bank of America put the wrong names on the paperwork and 3 1/2 weeks later have still not corrected the matter. During this time, they insisted I resend the original letter of hardship and wanted to completely restart the process because they had passed over some time period restraint. This situation has not yet been resolved.