Bank of America
Reviews and Complaints

A similar sudden service fee was initiated on my account with Umpqua bank in Oregon. Kind of ironic how criminals are put in prison like everyday for doing the same thing. Its called Stealing.

you have to read the term and condition when u sign up. points have an experation date. check u other cards ...

three times now i have paid my credit card bill into a bank of america.the payment has been made on the due date but the money has not been posted untill 3 days later making me suffer a late payment fee of $39 plus a raising of my interest rate. when i raise the issue at customer service their reply is always this is the way we do business.surely this is fraud? my issue is when i go in the bank and pay my credit card on the 1st of the month,why do they stamp my receipt for the 3rd of the month?

THIS IS TERRIBLE SOMEONE NEED TO STOP THIS PEOPLE, THEY CHARGE ME FROM MY DEBT BANK CARD $39.97 PLUS $1.00 EXTRA AND THEY GAVE ME A OVERDRAW CAUSE THIS WEBSITE..WHY THIS PEOPLE IS DOING THIS WITHOUT PERMISSION THATS INLEGALL AND IM GONNA MAKE A POLICE REPORT...CAUSE THIS IS REALLY FRAUD TO MY PERSON AND THEY STOLING MONEY OF MY BANK CARD THATS INLEGALL..

back in 2004 bank of america let my wife at the time now my ex-wife deposit 6500.00 into her bank account without my knowledge or approval and now i'm going to be held responsible for it. very poor buisness practices for such a large corporation not to mention the were one of the banks that were bailed out by the taxpayers but still hand out triple figure bonuses for there executives

Bank of America allowed someone to open a checking account online using my name and social security number. They didn't even require anyone to come inside a branch and show ID or sign any paperwork. They issued a debit card for the account and mailed starter checks. All with NO verification. Luckily the crooks used my address so I caught it very quickly when I began receiving mail from Bank of America.

Bank of America frauded my copies of my account statements that they sent to my home that I listed. They even tried to fraud me thru my Alaska Airlines Platinum Plus credit card. [protected]. Exp. 09/09 Mileage Plan number [protected]. I dont know how to explain this because this ### is so crazy that i want to [censored]. my interest rate is 49% I havent used this card since 2007. So last week I logged on to the Alaska Airlines/Horizen Air site plugged in my mileage plan number and boom my name showed up (weired) and I have 33, 000 frequent flyer miles someone or bank employee took 12 trips tied to this card from 2008 to the last trip on 9/30/2009. What am I to do... Just take it up the rear and die...

In summary, I was the victim of bank account fraud five years ago. I worked with Bank of America to credit back my account and open a new account. Five years later the bank abruptly closed my account based only on the fact that they closed an account in the past as a result of fraud. On top of this, they charged my account $50 before refunding my balance.

I live in Seattle, WA and in 2005 I discovered a withdrawal from my Bank of America account from a bank machine in Alabama. I contacted Bank of America and they informed me that my mailing address was changed to an Alabama address in their system. Understanding that I had not been to Alabama and did not live there, the bank worked with me to close the account and create a new account for me. They credited my account and that was the last I heard about it, until now.

Over the next five years we were very good banking customers. We conduct most banking electronically; we did not run overdrafts, owned a premium credit card and even owned a savings CD. In 2010 we opened new business checking and savings accounts. Bank of America also issued us a business credit card. Everything seemed fine as we started using the account for a new business. About two months later, we received a letter in the mail concerning the business accounts.

The letter we received said that Bank of America has elected to close your account in accordance with the provisions of our Deposit Agreement and disclosures provided. It then stated that Bank of America may report the account to Chex Systems, Inc., an account verification service. This may adversely impact your ability to open an account at another financial institution for up to five years. While the letter included a phone number for the Risk Identification Center, it provided no explanation for the account closure.

Instead of calling the phone number, I decided to go into my local bank branch. The banking center manager told me there was nothing wrong with any of my accounts and did not know why the new business account would have been closed. The manager contacted the Bank of America Risk Identification Center and was told that the reason for the closure was due to a 2005 incident involving electronic transfers. They had no more information except to say that any time an account is closed by the Risk Identification department, the customer can no longer conduct business with Bank of America.

After I explained the 2005 event to the Risk representative he told the bank branch manager that she could try escalating the matter. Two days later I received a voice message from the manager apologizing for the policy, but that the bank could not reinstate may account. After getting the message, I paid a visit to the manager again.

She told me that the Risk Identification department has only been around for a couple years and was not even in existence when this episode happened. She asked if I had any paperwork about this incident from 2005 and I told her that Bank of America should have everything already. She stated that management would look at and consider any information I could provide about the 2005 incident. Apparently, the bank has very little information from five years ago and is asking that I provide it. Bank of America handled the matter in 2005 and did not provide me with any follow up correspondence as to the details after I reported it. She then stated that there was no risk to any of my personal accounts, the accounts I re-established in 2005.

I decided to call the Risk Identification department again to double-check if there were any other reasons for closing an account in good standing. The woman on the phone confirmed that the only reason for closing the account was the event in 2005. She reiterated that it is their policy to close all customer accounts no matter the reason, if the Risk department initiated the close. I told her that in 2005 I contacted Bank of America and worked with them to close the account and reopen a new one. She could not confirm anything in regards to the matter except the bank policy. She didnt seem to have any information about the event.

Also interesting is that the representative had no idea about the other accounts I had at Bank of America (not even the personal account I re-established in 2005). When I mentioned it, she looked up my account numbers and said that these may be in the process of closure as well.

With policies like this, Bank of America is passing the blame for security breaches to their customers. When this happens, the bank will blame you even if you are not the cause for the fraud affecting your account. In these circumstances, the Bank of America will close your accounts with no warning, post a notice on the Chex system for all banks to view and will even charge you a $50 fee to thank you for doing business with them.

In The Best Interest Of The Child

I am not sure how to classify this blog so I will just call it a vacation gone bad. And I guess I should tell you my trip is being hosted by the US Embassy in Manila and my former US bank. And if you are planning a trip overseas this story may save your life or at least your bank account. I guess I will call my old bank Bank Of Amerikano. I have had too many blogs deleted or taken out of browser search in the past to use their real name. There are dozens out there but good luck finding them without a direct link. Anyway on with the story.

It is now January 2005 and I was busy with the last details of my wedding trip to Tabaco City, Philippines. And as anyone needs to do before taking such a trip, I called Bank of Amerikano to tell them of my upcoming plans. I also talked about my concerns about being able to access my Social Security Disability payments while being abroad. It was explained by a very kind customer service lady which atms I should use and she explained that using machines with certain symbols would avoid any excessive service fees. She then assured me I would have no problems and if I did, I could contact them via their 800 number.. At the end of our conversation I told her that I had no idea of how long I would be staying in the Philippines. But I assured her that I would contact the bank when I had an address to give them. So anyway I left the US in January 2005. I Arrived in Manila nervous as hell about a wide range of issues but at least I was secure in the knowledge that I had a guaranteed income. Here in the Philippines a small payment even like SSD makes you rich. Honestly I was kind of hoping that if it was cool here I would stay. At least until my wife's Visa was done. My wife Bless and I were married on February tenth 2005 and life was great. But like many new marriages some times there is trouble with in laws.

And I was learning my in laws had bad affiliations with many criminal elements such as the NPA.(New Peoples Army) One brother in law is being sought after by the military. A sister in law who still resides in Tabaco is involved in much of the local street crime, scamming Americans via the Internet and is well connected from a former job as a reporter. Another sister in law is wanted by the Philippine government for embezzlement and is currently living in Saudi Arabia on a fraudulent passport. And between the lot of them they claim to have connections with bank managers, mayors, and the former Governor of Albay, not to mention local judges and many police officials. And from what I have seen at least parts of their claims are true. I had one major argument with my mother in law when she said she would like to shake Osama's hand. But then saying it's her life's dream to go to America. This was the last time I would see her until, the birth of our child.

Anyway we rented a big house and started to plan our lives. And due to our family problems we planned on leaving Tabaco City as soon as possible. Little did we know, February would be the last time I would see a full SSD payment. From that point forward half or more of my payments went missing from my account for the next 15 months. Money was being stolen even from a negative balance month after month. In the US it was not possible to overdraft an account solely by ATM transactions. Come on bank how could you let that happen? Well anyway, back to my trip.
We then learned of the happy news that my wife was pregnant and I was taking very ill. This condition worsened during the months that followed. But even through such hardship we got by. You can only ask my wife how. But things like going to Manila and keeping my visa up to date were just not possible. And good luck trying to save money for a baby on the way. Yes we got by living in complete poverty. We even lived in a house that got condemned and trust me condemned is a much different standard in the Philippines than in the US.
Life went on like this until two days before my daughter was born. And thats when my sister in law showed up after many months, raising concerns about my wifes pregnancy. She then talked us into going to a hospital by the name of Jaime B. Berces Memorial Hospital because the administrator is a close friend of hers. If only we stuck with our OBs' instructions.

So we went with my sister in law to her friends hospital and several hours later my wife gave birth by emergency c-section. Do you know what its like to hold your child for the very first time? The pride, the joy, that pure sweet emotion that just can't be put into words. I don't care how long you went to school or how many words you know. You just can't. And for that short time all my problems were forgotten. Little did I know that 3 days later my baby girl would be taken as collateral on a the hospital bill. And the word collateral is being more than polite. .We were prisoners, armed guards and the works. I could fill a book of the events that took place but suffice it to say that four days later I would be on the floor in the fetal position crying like a newborn myself because I had no idea where my wife and kid were.

The main players at the hospital were the hospital administrator, my mother and sister in law's working for a darker end. My sister in law, Cresther, who is in Saudi can only tell you what that is. The hospital administrator and my in laws worked in tandem using threats and blackmail trying to get me to leave or pay extortion money in order to keep from being deported. But their deepest wish was to change my daughter's birth certificate so they can ship her to Saudi. Then Cresther can gain inheritance from her dying husband. Under Saudi law, I've been told, she cannot inherit any money when she has no children. Also my daughter is worth a lot of money in arranged marriages. For those of you who do not know human trafficking and kidnap for ransom, they are big business in the Philippines. And she needs money in a bad way. Once her husband dies she will have some serious immigration problems of her own.
The events around the hospital lasted about two weeks but in reality we were kind of prisoners for the next year. It's hard to escape when you do not know who the guards are. We could not even go to the store with out getting a text telling us they knew we went out and where. We even got a text demanding to know what the fed ex guy delivered when my daughters passport came. We were in shock most of the time and were lucky to just be able to raise a healthy baby. We were able to learn that my daughter was entitled to get benefits through SSA so we applied over the phone to SSA office in Manila. They sent an investigator to our home in February 2006. We told Alex Eusebio the whole story of my payments being stolen even to that day and what happened at the hospital. He acted like it was all nothing. He wrote down nothing in regards to what we were trying to report. He just did what he came to do and left. Not acknowledging any of the things we have said. We were shocked by that. Reinforcing what was planted in our minds that our situation was nothing.

I posted letters to my Washington senators on their web sites. All I can say on that, is I hope you did not vote for them this last time. Now the bill in question was less than 1000 US dollars. And to add insult to even further injury, our last 200 dollars went missing from my bank while my wife was giving birth .

Then in September Typhoon Milenyo came and destroyed the house we were living in. We took all the money we had and fled to the Embassy in Manila when the roads cleared, fearing that my in laws would make another attempt on our daughter. And the word on the streets were not good for us. So we spent a week getting passed from window to window. Homeland Security said my wife cannot get asylum because I am American. Hmm how about a little consideration then. They could give us special circumstances under our situation. But I guess one would be willing to take a report someplace. The Social Security Administration said they sent my full benefit amount and their responsibility ends there. But they track down lost checks whats the difference? And never mind the fact I reported the thefts many times and they did not even stop the deposits from going in to my hemorrhaeging account. Even though I had a safe account already set up. For some reason it took three months to update their records. And when I tried to complain they explained how that would be giving me special treatment and I would basically have to wait like every body else..

American Citizens Services told me I can take my daughter to America any time. I then asked him what about my wife. The guy looked me straight in the eye with a smile and said “what about her” He was the only American I got to see at the US embassy. And my wife was standing right there and then burst into tears. I was never ashamed of my country until that very moment. He then passed our case off to a lower worker. Who then gave us the Tabaco City police telephone number. Did I mention that Tabaco City was in a state of calamity because of the typhoon? Never mind the fact that my in laws have many contacts at that office. What do you think they could do about Bank of Amerikano? We also went to the Bank of Amerikano in Manila. All they would say is that they only handle corporate accounts and they will not discuss my account. And when I grew frustrated with them they threw us out. No one cares that a traveler can have his bank account fleeced every time he puts his Visa Check card in the machine then be held hostage and be trapped at his vacation destination for what looks like very possibly the rest of our lives. It seems like someone should care just a bit. I guess US government wants to track all the other people's money but are not concerned to whathappens to US treasury money. At least they could have picked up a pencil ...any of them. They sent us to the wolves, broke, homeless and tired.

While in Manila we also sent a battery of letters to the bank, both my Washington senators (again), Fox News, and Bill O'Reilly and the Senate Committee on Veterans Affairs, Senate Committee on Banking and Finance and Vice President Cheney, US Ambassador Kristie Kenney, Mike Enriquez of GMA-7, Julius Babao of ABS-CBN and many more. Out of all the people I mentioned the Senate Committee on Veterans Affairs, Senate Committee on Banking and Finance and Vice President Cheney were the only respondents. They requested our mailing address but unfortunately at that time we did not have any address to give. Our house was just destroyed by super Typhoon Milenyo and we had just fled to Manila for help. We responded to the vice presidents intern Rose Folsom once again stating we had no address and that we were in serious danger. I guess they did not feel a need to respond to our many pleas. Several letters later Rose Folsom did send an email requesting I take her off my contact list. I have the dated letters of most of the people we contacted and it is a very long list.

With no more options we took the bus for what was left of our home. In the month that followed, my baby girl got very sick and lost much weight due to us not being able to buy her milk. But the following payday with my payments safe in a bank other than Bank of Amerikano, life has potential once again. Then in November, Typhoon Reming came and hit us dead on. We were in the stone age for two months.
So I even contacted my mother Marjorie residing in Kailua Kona Hawaii. I have not had any contact with her since Clinton's famous first term. She seemed happy to hear she has a granddaughter but she was too busy on her two books, Donna Quixote cartoons and condo meetings to even call one person on our behalf. Guideposts must be happy to have such a good Christian as a writer.

My brother sends me angry letters because I was mad at my mother. He says that I am crazy and only seeking attention. And I have no right to play the victim. He then tries to convince my wife the whole thing never happened and I need to get some medication. He then tells me how he is bigger than me now and he wants to kick my ###. I guess he wants to go on Jerry Springer.Mom if you are reading, I hope you finally understand me. I tried to work all this out with you. And you even cut the line with your own very sweet grandchild. As long as we live our lives wrapped up in ourselves, closed off to all other points of view, how can anyone say they are fair? Now being betrayed by even my own family, our mess remains and my daughter is still not completely safe. If I do nothing, I may have a shot of living a long life here. But that seems foolish. People may still be after my daughter. I have made multiple contacts to Bank of Amerikano via email. They said sorry to hear of your problems. The security of my account is important to them and to please join their online banking. The problem with that is I already told them, that option for what ever reason has never worked. Page cannot be displayed.

And people don't fool yourselves by thinking that registering with the embassy will help you. Hell their web site does not even have a contact us. So if you have no family to contact you are truly screwed. Did you know they take Columbus Day off? That was another day in Manila completely in the crapper. But I have to hand it to them; they have the best flushing toilets in the country. And it's not just me folks. I have seen other Americans in various banks holding their Bank cards with the Visa Logo in hand trying to get their own answers as to where their money went.

Day before yesterday my wife met another American guy and the same thing happened to him but in his case for two years. Different results but you can overlay our embassy stories. He called them after Typhoon Reming to ask help for himself, his wife and three kids. Of course they did not even offer him a slice of bread. Come on embassy, how about a little help for a foreigner?

There was a time that Americans would rally to the cause of one of its infant children. But that has all changed now. Our own press only rallies to the aid of the rich. It is not good business to do a story that will hurt one of its sponsors. I think Bank of Amerikano and Visa has advertising and sponsorships in all of the main stream media. Its hard to watch a US sporting event without seeing their blue and red logo some place in the stadium. And its the same with web sites.

After so much time I have given up on the bank ever doing the right thing. I have managed to fix my visa problems but bringing my wife to the US is impossible as it stands now. Because of Bank Of Amerikano's neglect, I have lost all ties in the US. And with out an address the embassy requires 60, 000 dollars in my bank account or a co-signer in the US before they would even consider a visa for my wife. And for me to go back to US to get established and apply for my wife, would take at least 10 years before I could even apply for her visa. Lets get real I have been on disability a long time and I have no work history for the last four years. In todays economy I would be lucky not to wind up on the streets after getting off the plane.
So I guess we will make the best of life here. What other choice do I have? It is my hope that one day this blog will pass the eyes of someone who can help on any aspect of our problems. It seems finding people who, it is not in their best interest to do nothing is very hard. If you want to help and do not know what to do perhaps send an email to anyone who you think may be interested in our story. Hell it would make a good book. Or at the very least pass this page to a friend and tell them to do the same. This, after all, is a fairly simple matter with road blocks every place. Whatever happened to what was in the best interest of a child. I wonder when that measuring tool for moral decisions in a moral society changed?

After more than a year of dealing with sheer hell of Bank of America hijacking my life, me, a faithful customer with excellent credit rating, who never missed a payment with them, of BOA trying to force me into foreclosure when they realized how quickly I was paying my mortgage and at the same time messing up my excellent credit score, I came online to post and found numerous websites with literally thousands of victims of BOA who have similar and other stories of being raped by BOA. Too often the victim takes the abuse and lets go of their rightful money and property because they feel like "just a little person." There is no such thing. I am not a little person, and neither are you. Plus, there is great power in numbers. Without its customers, there would be no BOA. Instead of talking about class action suit, let's do it. Email me at petrovak1982 (at) hotmail (dot) com. I would like to set something up and legally make them pay for the evils they inflict upon their victims.

bank of america is the most disorganized, inefficient fraudulent bank.
they are rude, do not care about their customers .
i had paid my monthly mortgage and the money was even debitted from my account
but the money was lost by the bank, but they started charging me late fee and harrassing me for a repeat payment.
when i called the bank with proof of payment and the debit from my account, they referred me to the research department.
they promised to look into the matter and stop the creditors calls and refund the late fee.
the following month my statement included double the payment plus the late charges with interest
i ccalled again and they said that they would look into that.
creditors ccontinued to harrass me.
this continued for subsequent months - for a period of 5 months during which time i spend atleast 3 hours a week talking to the morgage .
no one in the mortage department would give their last name.
finally they traced money and apparently resolved the issue, only to get the mortgage statement including a late fee of 402 dollars saying i had not paid it
i already have 3 mortgages with them, that was fraudulently given to me with misrepresentation and over and above that, they are continuing to harrass me,
i have just contacted an attorney to help me through this ordeal
please do not go to BOA for any of your mortgages or even banking.
i have heard this type of complaints from several of my friends

So it turns out Bank of America charges 45USD for a Intl. transfer. This I knew.

Then BofA secretly charges BCR (Banco Costa Rica) a "Transfer Initiated Fee", (25USD) in this case, and BCR has the option of paying that themselves or deducting it from my transfer. It was deducted from my transfer.

Bof A is clearly in the wrong here, because the client (me) is only aware of this fraud, after the funds have been stolen.

What happened to Customer Service? I would think that BofA would have better service. I have been a customer for 10+ years and I cannot wait to go and close my accounts. I was told that there was no reason to speak with a Supervisor as "authority couldn't do anything for me". I had to demand to speak with a Supervisor 12x's before I was transferred. Then when I did get to her, she told me she would take care of something that today they tell me she didn't make any notes of. In fact, the system showed that I couldn't verify my account, so I must have not spoken with anyone. Today, after speaking to another so-called Supervisor, when I asked to speak to someone who could help me, she stated that there was nobody else for me to talk to. Nobody in the whole flipping company?

I would never reccomend them and I can't wait to find a new bank!

Hi, yes i have applied for home modification 2 1/2 yrs ago what a joke...we have filled out all of the paper work they wanted they can never find it ... no one answers your call... calls u back @ the right number we have 3 phone numbers to be reached @ then they send us a fedex letter stating that they have made many failed attempts to contact us from a man i never heard of reserved the letter on june 28th 2011 and i had till july 1st or this matter would be closed hum hum...guess what know one answered there phone calls back when you leave message ...they say my escrow is in the negative the funny thing about that is i never had one to begin with...when we bought the house 7yrs ago i pay all that and we'rer in good standing with everything payment is always on time house, taxes& insurance..the letters they send are not signed by anyone and from what these letter state if the amount due is not received by the specified due date foreclosure proceedings may begin or continue? I PAY MY HOUSE PAYMENT, TAXES &INSURANCE MY SELF?THEN THEY RECEIVED A BIG PAYMENT THAT I NEVER SENT ...the only thing i have gotten from the modification is a higher house payment that we never agreed to''''ooo by the way THIS IS ABOUT BANK OF AMERICA/COUNTRY WIDE...SOMETHING NEEDS TO BE DONE CAN ANYONE HELP?

This email is being sent out, I know it is a scam

1, I don't have a Bank of America account
2, They do not email you this kind of information

fromBank Of America online
reply-tovalue@bankofamerica.com

to
dateTue, Oct 14, 2008 at 7:09 AM

subjectYour account has been violated

Dear Bank of America Customer,

During our regularly scheduled account maintenance and verification procedures,
we have detected a slight error in your account information.
To securely confirm your personal information please click on the link bellow:

http://www.bankofamerica.com/sas/sitekey/profile/step1.htm

Confirm Your Bank of America Account and SiteKey now to enjoy the benefits of
online banking and finance to avoid identity theft and fraudulent activities on
your account.

Note: We will be upgrading our yearly SSL EncryptedServer to prevent fraudulent
activity.

© 2008 Bank of America Corporation. All rights reserved.

I have been involved in a scam using Craigslist to book some accommodation for my holiday in New York. I have tried to contact Bank Of America to converse with them the bank details and the name of the person who was involved in the scam. They have not replied in over 2 weeks now and i am still keeping contact with the person involved in hope of running checks and finding out who they are and bringing them to justice. It would be nice if the Bank cared a little about their customers being frauds and wanting to shut them down, but they seem not to be worried. I have complete bank details and have run my own searches all the bank have to do is reply and give me some details to help my cause. I bet if i owed them $1380 them would come looking for me in a hurry.

I scheduled on online payment to BoA of $4300. On the scheduled day, BoA made TWO withdrawals from my external checking account of $4300 each.

I was out of the country and did not discover the effect on my checking account until a week later. When I called BoA, they said they'd correct their --admitted-- error, but it would take 8-10 business days to get my checking account credited. Their claim is that it takes that long to "go through the clearing house."

If I call to make a payment to BoA from my external checking account, they could get it in one day. Why should it take two weeks to process a refund through the same clearing house? I call this a scam or an intentional deal with the clearing house to hold on to my money.

i had a check debit on my statement for 12.99 from privacy excist . i hardley use checks so i called the bank to see were the charges came from. do not fall for your FREE creditreport from bank of america. they give your info to privacy excist and charge your account every mnts. for 12.99. how many elder people or others do not look for a small amount like this? i am in shock to find out cant eaven trust my own bank if you like you can call me [protected]

Why it is legal for Bank of America to charge us for Lender Placed Flood Insurance that is back dated? When we can not purchase back dated insurance through the existing flood policy we have through the National Flood Insurance Program to comply with Bank of America's demands.

Bank of America has extorted $31.03 from us. We were forced to use them for our mortgage company when Countrywide Home Loans failed.

Bank of America's flood insurance requirements apparently are higher than Countrywide's or FEMA's National Flood Insurance Program. And since they are using this to extort money from their newly acquired customers; they do not notify the new customers that they have this higher requirement.

The problem occurred when we purchased a higher replacement cost home insurance policy. Our home insurance policy expires January 29 and our flood insurance policy expires on June 29 every year. We have never missed or been late on paying either. We even exceeded the NFIP's guidelines using the higher replacement cost valve figured on the new policy.

We received a letter from Bank of America dated 02/17/10 claiming we owed additional flood insurance. We purchased the additional amount of insurance from Hartford 02/26/10 at a cost of $8 for 93 days (3/28/10 to 6/29/10) verses $31.03 for 57 days (1/29/10 to 3/27/10). And please note that from the date they wrote the letter until the date I paid for the additional coverage is only nine days. The letter was not sent next day delivery it was sent regular mail. So we took care of this in a timely manner.

Bank of America's letter instructed us to purchase the additional coverage for the period of 1/29/10 to 1/29/11 by 4/7/10. They knew we have our flood insurance through the NFIP with Hartford Insurance. They should know it is illegal to back date the additional insurance on our existing policy and knew we would have to wait 30 days for the additional insurance to take effect since that is a requirement of the NFIP that Hartford Insurance has to comply with. Also, they knew our flood insurance policy wouldn't expire until June 29, 10. Why would Bank of America require us to change the normal expiration date of our existing flood policy?

Also they knew they could extort the cost of the back dated coverage since they can conveniently get backdated coverage through their private insurance company and we can not with the existing NFIP policy we held. And we are sure they were probably hoping we would wait until the 4/7/10 deadline they gave us to comply so they could extort more money from us.

I'm appalled that the WYO is being used to scam innocent people like us. We have always paid our payments on time. We usually chose the upgrades in the Flood Insurance when offered, until this year. We would like to show FEMA just how we feel about them contributing to Bank of America's scam by never paying the upgrade cost of a flood policy again. We'll also never accept an offer for more replacement cost home coverage at a lower cost again or at least not as long as we have Bank of America as our mortgage company. So if it was FEMA, NFIP, and Bank of America's intention to create distrust and lose revenue then they have succeeded.

FEMA and the NFIP were right to hold all the participating insurance companies to high standards so policies would be honest and fair; so why let banks scam people with the WYO, who use the very fact that NFIP flood policy holders are held to rules that make it impossible to protect themselves from the money making schemes created by these greedy banks like Bank of America?

Please stop banks from using this practice. We would like to have faith in our country and its programs like FEMA and the NFIP, but it is hard when they give power of this kind to a greedy bank to use in this manner. Don't let Bank of America or any other banks get away with this kind of extortion.

I have a VISA credit card issued by Bank of America and used it to purchase foreign currency from a foreign currency exchange service in Birmingham, MI.

Bank of America treated this as a cash advance and charged me a hefty transaction fee of 4 % PLUS interest on "cash advance".

I explained to Bank of America that this was a regular purchase, i.e. the exchange rate charged by the foreign currency exchange service includes their profit. Bank of America is unwilling to refund these charges, the merchant claims he processed a regular credit card transaction (although his web site did not mention the possibility of such extra transaction fees).

I feel this is another example of credit card issuers taking advantage of customers by charging transaction fees on purchases that they deem to be cash equivalent, whereas customers think this is an ordinary purchase.

Mortgage increases with their so called cushion. They raised my mortgage $45.00 for a $60.00 escrow shortage. they call it cushion. They add the $60.00 shortage plus hike up $45.00 more for cushion. Bull crap BOA hard times are here and you do nothing to help it. this is not the first time this has happened. this is the 3rd time in one year. a total of $85.00 for cushion. and when you ask to waive for hardship they claim to remove but guess what STILL THERE HELLO. Stay away from BOA they are SCAMMERS.

My husband and I are retired military. My husband is disabled due to a brain injury in Iraq. This is an account of how Bank of America uses the making home affordable program as a scam to get your home. It started when my husband had retired, his disability income had not come in yet and we were having difficulty making our monthly mortgage payments.

Though we were not behind, we talked to representatives at b of a and they suggested we apply for the making home affordable plan. For the next few months we faxed, fed ex'd, and phoned our information that they requested over 10 times. Also during that time they said I could no longer make my payments over the computer and that I would have to either mail in or phone in my payments. So each month, I would call in, ask what I needed to pay, and they would give me a figure which I would then give them my debit card info. For a few months they advised me that I needed to make trial payments which were $200 less than my regular mortgage payment. After a few months they started to inform me that I was behind. So I began to call every 2 weeks as they instructed to get a status and was told that I was behind due to them putting the partial payment into a holding account. However, when they started telling me that I was behind I started making my regular loan payment amount plus extra to make up the past due amount. Then we got a call saying that we were in foreclosure and that they could sell our home as early as the next morning. Scared I made some phone calls and got hooked up with Nova Debt. After speaking with them and having the representative from b of a on a 3 way call...we got the run around some more, they kept telling us conflicting information, but then assured me that I was not in foreclosure and that if I continued to make my regular monthly payments plus extra to chip away at the past due, I would not go into foreclosure.

Well, that was last month. As of 1/25/11 I was informed that my home had gone into foreclosure and they would not accept anything from me other than the total amount past due plus lawyer fee's and that they would have to order those figures and will fax them to me in 3 business days. So basically, after working with b of a for 1 year, calling each month, doing as they instructed, and never getting the same information twice, I am now in foreclosure and have to come up with a large sum of money next week to keep my home. This is very disturbing to me that they would treat one of our nation's disabled vets is such a dishonest manner. Keep in mind that we never missed a single months payment and only did what they instructed us to do and now they are trying to take a home away from a retired vet with a brain injury. B of A has left a really bad taste in my mouth and the fact that they are using the making home affordable plan as a front to steal from honest Americans and take their homes from them is extremely foul on so many levels. Please, email me with your comments, I would love to discuss this with someone.

My mortgage servicer promised a refinance with principle reduction over a year ago. The bank has sent an appraiser to my home twice but they keep expiring. At the end of every month I get a desperate call to make the payment which I make after more promises. They get me to send pay stubs and bank statements and promise to get it done before end of month. In May I got an email stating I don't have to pay if they don't complete modification but I had to make payment. In July I was promised a principle reduction because they hadn't completed refinance. I had to make payment in order to proceed but was promised it would be complete in 15 days. I didn't get anything but a call on the last day of the month which I ignored. Every month for over a year they at least waived the late fee. Now it seems like I was being called by a boiler room full of people just to string me along. Do I have any recourse.

http://www.insidr.com/referral/qluB210734

Ask any question related to Bank of America, you will get revert within an hour or 2...try it once..

I agree with you about B of A. They have always been bad to customers ripping them off.

best of all - they will force you into the street
your house will be sold for under $20k and you'll be homeless
and never ever able to purchase another home

Check your FedEx packages. If they come from Broomfield, CO you are actually dealing with Urban Lending Solutions and/or Walled Lake Credit Bureau, both third parties, both d/b/a Bank of America and Office of the CEO and President, Bank of America. You are NOT DEALING WITH A LENDER. You are dealing with a third party debt collector. These CROOKS have killed me. 5.5 years of hell, never late, never missed a payment.

file complaint with the Consumer financial protection bureau, CFPB. I have mortgage bank of america, bought me from countrywide, so much drama, i hate to even explain it all right now. i went to NACA, and they helped me try to get modified, and i still got denied and NACA filed complaint with CFPB, now bank of america kissing my butt and sending letters and i am in foreclosure, 3 court dates so far, no action yet, CFPB has taken over for the independant foreclosure review, IFR, I thought all my chances were over, i still no job extremely depressed filed disability, im 48 and unwanted by employers, no husband, never married, 2 grown kids 25 and 22. so many troubles no car, living on 74.00 a week from unemployment, I m praying i get approved. try to modify or move, hope bank pay me at end, im so tired, but im greatful i fought for 5 yrs, and im still in my home. foreclosure started in feb, 2013.

Yes BOA scammed me too and would not allow me to negotiate anything because my house was in my deceased wife's name. The told me I had to go thru the probate court process and would not discuss the loan with me at all. When I was making payments on time it was all good but it was clear they felt like they had me in a corner. They could have easily put the deed of trust in my name if they wanted to. I had credit card companies and
auto loan creditors who did it for me but not the sleezy, cheezy Bank of America. Home got foreclosed but I will be able to rent it out from the new bank that bought the mortgage. They are supposed to show the original promissary note during the sale transaction. If not, I may have a case to sue their sorry ###. Bank of America originated in Italy and is not truly American. Do the research. If this America's Bank then we are all in default because they intend to screw all their customers in the ### with no lubrication!

I am one of those victims of Bank of America's illegal practice of mortgage foreclosure. I have had my mortgage with BofA since 2004. I was forced into an early retirement in 2006 and being without a job, I decided to file for a Loan Modification in 2009 to lower my monthly payments and that was the beginning of my nightmare with BofA. So far, I went through 2 different Trial Payments and finally a permanent loan modification. I NEVER missed nor defaulted on my mortgage payments NEVER. Two days ago, I received a CERTIFIED letter from BofAmerica claiming that I am $19, 000 behind and they are filing for foreclosure. When I called them for an explanation, I was told that they made a mistake and Yes they have received my payments but theY FAILED TO APPLY THE MONEY TOWARDS my mortgage payments. Yes that is illegal and unethical - what do I do? Who do I contact for justice? I am 68 years old and have worked very hard to purchase my house ($20, 000 down). This is supposed to be my retirement home to spend my golder years and BofAmerica is attempting to take my house from me while my payments are current. I am sad and disappointed and distressed and fighting BofAmerica is a Losing fight. Please tell me how this can be resolved.

Early in 2012 I applied for a home loan modification with BOA. I was told by them that I did not qualify for a loan modification because I was not behind on payments. I was told to stop making payments so I could receive assistance. I worked with a counselor at BOA Sean Killian (who is no longer employed there). I have transmission logs dated 7/26/12 of faxes that I sent to BOA. Sean told me numerous times that he had not received my information even though I have the logs to prove that it was sent. I had a letter fedex'ed dated Sep 20 2012 received Sep 21 2012 to me from BOA stating that "We are unable to offer you a modification because you did no sign and return the modification agreement that we had sent you more than 30 days ago". I have looked up what this is and also told by the hope hotline agent Erica Correa that this is stating that Bank of America had sent me a loan modification agreement and terms but I did not sign and return this documentation. I have never received any such documentation and can prove that I have not through UPS, Fedex, and USPS. Various representatives at Bank of America have told me that they sent this documentation. However when I ask them to provide a date sent and a tracking number they always tell me X department handles that. They transfer me somewhere else where I have to start all over. The only thing I have received from BOA is that my account is delinquent and I need to contact them. When I first received this Sean Killian advised me that this is normal and its just an automatic letter that is sent when someone misses a payment. On Feb 14 2013 I called BOA again and was told that my home is in foreclosure and has been since Sept 2012. I have never received anything from BOA that is showing my home is in foreclosure. They state they have sent me a notice of intent for foreclosure. When asked to provide proof of this they are unable to. Then they tell me that the letter I have is a foreclosure notice. But it just says to contact them because my account is delinquent, which told by Sean Killian this is normal. Now another rep of BOA is telling me that my home wasnt in foreclosure since September but actually since February. So they can't even agree when I have been placed in foreclosure. I was recently laid off of work in November. Talking to a rep Feb 16 2013 I was informed that I do not qualify for BOA's unemployment assistance because it is only for homeowners who are 90 days or less behind on their payments. When the reason im so far behind on my payments is because I was advised by BOA to stop making my mortgage payment so that I could qualify for a loan modification. I believe this practice of "losing paperwork" and giving consumers the run around by BOA is not only unethical but illegal. Arizona has been hit very hard by the foreclosure crisis and BOA is doing everything it can to not help customers.

My second complaint is against the HOPE line (888 995 HOPE) that is cofunded by mortgage companies. I have called their line and when you call they have an automated recording stating if you feel you've been the victim of a loan scam to press 1. I hit 1. It connects me to someone who takes my information and gives me a reference number to put me on hold so they can transfer me to a "fraud specialist". This person then asks me if I have been the victim of 3rd party fraud. When I reiterate multiple times that I believe it is my lender who is actively participating in loan modification fraud. The agent then tells me they are unable to help me because its not 3rd party and they dont help with servicer fraud and are not able to provide me legal advice. I understand that since major banks are the primary funders of the hope hotline that they do not want to give out advice that would hurt their funding, however, this is the hotline you are advised to call by banks who are supposed to help you.

Everything I am claiming in this can be proved. I have numerous recorded phone calls to BOA, the hope hotline. I have documentation showing when I received items from BOA. The fax transmission log of my request for mortgage assistance.

I do not have the phone calls with Sean Killian recorded because I did not think I would need to record them. I have confirmed through multiple agents that these practices are regular of BOA. Particularly the part about "stop paying your mortgage so you can get a loan modification". The reason for my original loan modification request was that I had taken a 53% pay cut at work.

If this is illegal what type of lawyer would handle this? Consumer fraud? Mortgage foreclosure?
I hope this can be resolved before I am foreclosed upon.

Also for recording phone calls Arizona is a one party notification state. From what I can find I do not have to tell them that I am recording the phone call. However if I do I am told that "bank of america does not participate in recorded phone calls and if i do not advise them that I am turning the recorder off they have to disconnect the call". I tell them that I am not turning of my recorder and they hang up on me. I do not think it is right that they are able to record consumers but refuse to be recorded themselves. I am pretty positive im acting within the law but want to verify this.

I started a modification program because I forsaw a financial problem due to my change in employment. I began by faxing everything they requested, on a daily basis. They kept telling me it took 24hrs to show up in the system. I would call them daily, just to have them tell me, that it's not showing up in the system. I was having to refax documentation on a daily basis. On some days, I would have a representative tell, it's in there, then another one would tell me, they can't find it. They finally sent me a letter telling me that I was denied the modification because documentation was not sent in on time. I requested an appeal. all of a sudden, I stopped hearing from them. So, I retained an attorney. Now, BofA has started sending me letters, indicating they can help.

your company name is FRESH START -legal group with two lawyers?..please give me names and licence #..and when I asked for LIC# the customer service hang up! why are you posting here complaints when in reality you are scamming homeowners?.
.I will report you to the DOJ! Timothy Stull
[protected]
20th of Aug, 2012 by Timothy Stull 0 Votes
"We have been very successful in acheiving Deparment of Justice modifications" for our clients. We have been battling B of A for 12 years & know how they operate. Feel free to call us at 877.297.7011 for more info.

We have been very successful in acheiving Deparment of Justice modifications for our clients. We have been battling B of A for 12 years & know how they operate. Feel free to call us at 877.297.7011 for more info.

We had our morgage bought out by Bank of America. Ever since our payment has never been the same as when we first bought the house. We have a fixed rate our taxes went down and our insurance went down and the payment keeps going up and they won't tell us why. Now we are struggling to make the payment each month and according to them we should get second jobs. What kind of bank does this?

I have never had a good encounter with Bank of America. No one at the branch has the authority to help you with anything except deposits...G_d forbid you ever have an actual question or fee on your account...they make it so difficult that you just eventually just give up! Had an incident in Dec 2011, where there was a fee on my account, they couldn't tell me how it got there or why it was there, told me to go into the branch same thing, neither the teller nor personal banker. Or manager could figure where the fee came from besides they said that they did not have the authority to reverse a fee...even though I had never had one before? Said I had to file a claim and someone would look into and get back to me by mail with two-three weeks...in the mean-time another fee was pending because I had not paid the unknown fee...? Since the incident in Dec 2011 at the Brea/State College local I have since received a letter stating that I will now be charged a $10.00 Fee if I do not make a monthly deposit of $1500.00 I had to call in again to see what my options were, not sure about you but, I do not have the luxury of leaving a balance of $1500.00 in my account every month just to avoid a $10.00 fee! SO the rep on the phone switched me to an ATM acct only...where you do all your banking through the ATM...That was in March 2012. Thinking everything was OK and taken care of by the previous rep, I tried to make a deposit today and the ATM would not take my transaction, After spending 45 mines on the phone with "Customer Service" and no closer to an answer, I had to go into the Branch where I was met with someone who asked for every single piece of my information yet again, but still couldn’t help me and put me back on the phone to customer service after speaking to yet another rep and a supervisor They still could not tell me why my account had been closed, they said that there were no notes on the account but a code stating that if the account had a low balance for 120 days that it would close, they could not tell me who put the code on the account or the date it was put on the account...had to open yet another claim to find out what the heck is going on at the Brea/state college branch...I can tell you what's not going on there...Customer Satisfaction or Service, ! I can't believe in this age that we still allow these financial institutions to bully us into paying their fees and require no customer service and satisfaction in return. What happened to the days where people united and refused to patron these kinds of establishments! If we do not complain when we are unjustly treated or do not receive the service that we deserve...It's your money, we can no longer let these financial institutions to take our hard earned money and bully us into staying with them just because...I encourage anyone and all to switch to a local Credit Union where they can help you on an individual basis, credit a fee once in awhile if you haven’t had one credited and for G_d sake give you great customer service without having to talk to 5 people in customer service before having to escalate to a Supervisor! If they have gotten too big and have lost their service aspect I suggest converting to a Credit Union that is still grateful for your loyalty and service! Can you say CREDIT UNION! I can! And anyone can join! Try it you might just get the great service you deserve regardless of the amount you deposit each month. Credit Union for the rest of us that aren't part of the 1%.
Sincerely, standing up for our rights, is our American right! We are not going to take lack of service any longer! Lets standing united and send a message we weren’t going to pay their $5.00 fee and were not going to put our money into establishments that do not consider our patronage worth keeping and that means giving us GREAT customer service at the ONE level not the 8th level.

i hear you about BOA. a few years ago my cousin did some work for someone who paid them with a check from BOA. she went to the BOA bank to cash it and was told they don't cash checks unless you're a customer with them while all other banks (at the time) didn't have a problem cashing a check written by their customers. now she could have deposited it in her account at another bank but she needed the cash that day and couldn't wait for it to clear with her bank. long story short, the teller and manager were rude and unhelpful which caused my cousin to flip out (and thats putting it mildly). she ended up getting arrested for disordely. unfortunately BOA broke no laws by not cashing the check written by their customer. then they started needing thumb prints to cash checks. all ###. then we bail them out and they still act like we should be greatful to them. they will be onb the virge of bankruptcy again but this time we don't bail them out.

Bank of America also did that to me. I checked the paying party and their money were already taken from their bank but bank of America saying they are verifying if the fund was available. Bank of America lied straight up.

I have been in th is for almost 2 years the same old runaround call back ina week and will have an answer I call sxme old thing week after week. I have been told that my modification loan was approved & I should get the documents to sign from fed ex. That was 15 months ago how much more can I take I got a sick mother living with me & I am on disability with health issues and can't afford all these bills since I got on medicare. I am only 52 had cancer & on a lot of meds. I have to see specilists & doctors for8 -ears and ongoing treatments what the hell am I supposedto do

I HAVE A SIMILAR SITUATION, A COUNTRY WIDE LOAN THAT ME AND MY MOTHER PURCHASED MORTGAGE INSURANCE ON IT WAS INCLUDED IN THE LOAN, WE GOT IT CAUSE OF MY MOTHERS AGE, COUNTRYWIDE HAD OFFERED US THIS AS A PART OF OUR DEAL STATING IF EITHER ONE OF US PASS AWAY OUR MORTGAGE WOULD BE PAID IN FULL.WELL MOM PASSED AWAY IN 5 WEEKS OF CANCER IN OCT 2017 I CALLED THE BANK AND THEY SAID WE HAD NO INSURANCE, THEY HAVE GIVING ME THE RUNAROUND TO THE POINT OF HIRING A LAWYER.LOTS OF DECEPTION AND FRAUDULENT ACTIVITY BETWEEN THE TWO BANKS AND WHERES THE BANK NOTE BEING HELD.NO ANSWERS TO MY QUESTIONS JUST A BUNCH OF ###.BUNCH OF CROOKS THEY ARE.

pay your bill on the first when its due and you wont receive the collection activity duh!

I went to my Bank of America to withdraw a sum from my savings account to invest in another bank that paid higher interest. I asked for a Cashier's Check, & was informed that the fee would be $6.00. Since BOA had only paid me $6.45 interest in the past 4 months, I thought this was ridiculous. Rather than submit to this form of "bank robbery", I took my money in cash. BOA has forgotten that good customer relations rely on the small courtesies and services that only a bank can offer to its customers, including reasonable fees for such services. Gouging customers with excessive fees is not good business. The next thing they may do is install toll booths at their doors and charge a buck to enter the bank.

I have only been banking with Bank of America for one year now, but it hasn't been a good expieriance thus far. This past week though was horrific. My lovely wife and I spent the weekend in Louisiana to celebrate our 1 year anniversary. We made a mistake in our spending and unintentionaly overdrew our account.

An old purchase surfaced late and one of the hotels charged us an extra $30 to park that we weren't expecting. We discovered the error upon our return and notified the bank to resolve the issue. At that point their were already $140 worth of charges for our $90 dollar mistake. The customer service representative suggested we not take any action yet because their were more penalties pending. She told me they would be able to work something out with us on all of them once they cleared. Nine penalties and 2 customer service reps later they told us their was nothing that they could do. So now Bank of America expects us to pay $455 of penalties for a $90 mistake. I went into the branch to resolve the issue and was told that I shouldn't have followed their own reps advice and that they could not check with their own customer service department. The associate I spoke with left me waiting twice to speak with the branch supervisor, and both times returned stating she was unwilling to work with me. She never spoke to me personally and simply had him give me her card and placed our account on hold. I explained to them I have a small struggling business and my wife is a part time teacher. We could manage the $140 fees but $455 was just not possible right now. Don't you think that is a real bully tactic?

Bank of America messed up my account. I was in positive balance and now I am owing them $185 in overdraft fees. It seems that they withheld two debit transactions until my balance went below and then let the other ones go through. That's when they start charging me $35 for each one. I asked why they charged me overdraft when it clearly showed that my account was in the positive. They stated that I was not able to view the transactions that caused the overdraft but assured me it was not the bank's error. They are such rip offs. Some of their customer service reps are so RUDE and act like they are the bank themselve. I am closing all my accounts with Bank of America.

This corporation has more cojones than a brass monkey. We have a B of A Visa card and it has been a continuing nightmare.

It began when I made a payment online on our due date which happended to fall on a Friday. When the next statement came I noticed a $39.00 late fee. Upon calling the Customer Service number I was advised that they don't credit payments until the next business day. Thier attitude was "We're the bank and we don't care". I paid with a debit card. That is the same as cash! I was also told that if my due date fell on a weekend I'd have to make my online payment on Thurday for it to credited before the next Monday. I have to pay BEFORE my due date or they ding me for $39.00! This is BS. I want to know how they get away with this.

We previously had a small energy efficeincy loan line of credit with them for the purchase of a new water heater and gas fireplace. These people charged me $3.00 to make my payment TO THEM at their drive up window!

I paid off the loan and am transfering my small card balance to a local credit union acount where they remember and stress the concept of customer service.

B of A will never miss my business, they're too big for any individual to make a difference but I'll know that I have done my part to eliminate their inluence on my life and my blood pressure!