Bank of America
Reviews and Complaints

May 27, 2011
Barbara ext. 2907
Bank of America
Called to get information why I do not qualify for the HAMP loan modification
Barbara said my Loan Modification was declined
I asked Why? What specific reason or reasons?
Barbara said I should receive a letter that will tell me the reasons.
I told Barbara I received a letter this morning and it did not give a specific reason or reasons.
She said “if you would look at the bottom of the letter it says they were unable to create an affordable payment equal to 31% of my income”
I asked what figures were used by the underwriter for my income
She said “it says you have zero income”
I asked her why would it say I have no income?
She asked if I provided all the documents showing my income. I told her I submitted bank statements, tax returns, profit & loss statements. I submitted all the documents that were required.
I asked her to check in my files to see if she can see any documents relating to income, reluctantly she looks.
Barbara said she can see in my files the 2 profit and loss statements, my bank statements and tax returns.
I said ok, now you just asked if I submitted those documents and you can see them in my files, why would the underwriter say I have no income?
I told her this does not make sense.
I asked her for the underwriters name, she said she cannot give me that information.
I asked who can I talk to regarding this issue.
She said I can fax all documents again relating to my income and once that is received they can file an appeal.
Or I can start over and apply for the HAMP modification again.
To make sure I was understanding what she was telling me I said “ I need to start all over again and resubmit the 50 plus pages to them again”
She said that is correct. I said you just told me you can see the information in my files and yet I must resubmit everything all over again.
She said there is no guarantee that I would get the modification if I appeal or re-apply for the program
Barbara confirmed again that she does see the profit & loss statements that are through 3/31/11, bank statements from November 2010 through March 2011, tax returns for 2009 & 2010.
I will need to resubmit all of them again. But they need to be more up to date.
After they receive the “current” information they can file for an appeal.
Barbara would not give me any names or numbers of anyone at Bank of America that I could talk to regarding my application.
More of the Run around games by Bank Of America

I am writing to empathize with all who have posted here before me about the ridiculous amount of money that BofA charges for overdraft fees and how they go about racking up fees to prey on those customers that sometimes 'forget'. We are are human and sometimes 'forgetting' just happens. I have never seen such abusive tactics by a bank in all of my adult life! My worst experience with overdraft fees was last summer when I had mistakenly gone over my limit on my balance with my debit card. Again . . . it was a mistake! I was unaware that i had overdrafted and had made a series of small purchases over a 5 day period before I caught my mistake. I had purchased about $180 during that 5 days in everyday purchases for things like a cup of coffee, lunch, small purchase at hardware store, gas, etc. All in all there were 27 transactions in that 5 day period. Well it was much to my shock when I checked my online account and had saw that I was charged $945 in overdraft fees for spending $180! I realize that we are all responsible for our own account balances but as I mentioned . . . it was a mistake! You can tell by my small purchases that it was not intentional! Why would I intentionally buy a $2.00 cup of coffee knowing that I would get slammed for $35 as an overdraft fee!? I wouldn't . . . because it was a mistake! I immediately went to my B of A branch and explained what had occurred. They gave me the typical canned answer that there was nothing that they could do about . . . and they were really sorry . . and that they truly value my business! What a load of crap! Well I got stuck paying all of those fees and it felt like I was robbed by my own bank! Tell me how that is just and reasonable! I have since opened a new account with a different bank that doesn't allow your debit card to ever go into an overdraft status. They just simply decline you. How easy is that!? I'll take a 'decline' for a cup of coffee any day as opposed to an 'overdraft'! What a bunch of crooks!

I was reviewing my a credit card bill and noticed a $99.99 bill for Bank of America Privacy Source. I called the 1800 number listed and was informed that I had an account for credit monitoring. This was the first I ever heard of the account. Apparently I had this account since December 3, 2002. When we reviewed the account information, we noticed that my name was spelled incorrectly. The operator informed me that she would immediately fix my name . I could go online and get a password and log on to see my report in the meantime. Day after, I logged on and tried to obtain my report. I received an error message that the name I entered was not in the system (did not exist). I again called the 1800 number and told the operator that I could not log on and again stated my issue with not knowing that I ever had an account. I never received any mailing, any phone calls or any emails. ANY - NONE- NADA!
She looked into the records and found that I have never been mailed any intro package, so no – I had never been informed that I had this service. She would send out this package now. I questioned the operator as to what service they can provide if I am not aware of the service? She responded that I would be notified of fraudulent activity and any abnormal activity. Two days later I again tried to log on, hoping that my name was now corrected. I again received the error message that I did not exist. I again called, and now was told that my name was still correct in the system. Now my question to the operator was if I was entered incorrectly in the system – how can they notify me for abnormal activity if my profile information does not match what is in the system for the 3 reporting agencies? Her response is that the results are based on social number. I have been notified several times over the last few years from Free Credit Report.com, experien and Equifax. Nothing from Bank of America. I asked for a full credit and asked that my service be cancelled. The answer was that there would be a $40 process fee from the 99.99$ charge but to get the rest of the refund, I would need to call coporate. I am still waiting.
I am very disappointed.

Our home loan was originally with Countrywide Home loans and of course we were one of many and many that were taken on by Bank of America. Since that time, we have been having trouble with Bank of America posting our payments.
Every month we send our payment to BAC Home Loans Servicing, LP via our banks billpay. Our payment is sent electronically in the form of electronic fund transfer. Every few months BAC magically loses our payment, after receiving it, keeping it for up to 15 days then returning it to us - after our due date - making our payment is late.
Last year BAC took the payment and it was lost somehow. We checked with our bank and found nothing wrong, BAC swore it was an error on our banks side. After 3 months of hours on the phone and trying to get Customer (non) Service to assist and Payment research to try to find our payment, it was magically found when our bank spent time on the phone with them. It happened again this month (May), payment sent as usual, kept by BAC for 15 days and returned after our payment date (thus it is now late). BAC says the payment (sent the same way everytime) was missing some data field (won't tell us what was missing) so it was returned. We are now waiting for BAC to call us back with the information regarding the missing data.
We were told by the Customer rep. that we were not allowed to obtain any records other than our full loan file, so any and all INTERNAL notes by the company are not allowed to be provided to the customer even though it concerns our loan. Makes us wonder what BAC is trying to hide.

Anyone have any ideas on how to obtain these secretive internal notes?

Anyone think that BAC needs to be sued for this continued screw up of peoples lives for no reason?

Below is a chat:
Welcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. Thank you for your patience.
Thank you for choosing Bank of America. You are now being connected to a Bank of America Online Banking Specialist.
Maria: Hello! My name is Maria. Thank you for being a valued Bank of America customer.
Maria: May I please have your full name and last four digit of the account number?
You:
You: Phillip
Maria: Thank you, Phillip.
Maria: How may I assist you with your personal checking and savings account.
You: Why is there a several day delay in bill pay when the funds go to Green Tree?
Maria: I understand your concern regarding the bill pay.
Maria: Let me check that for you.
Maria: Could you please provide me the amount you are referring to?
You: Why can't I send an email to B of A?
You: I have not chosen to use bill pay because unlike any other pay to there is a delay. I think you are trying to pump up late fees as you own Green Tree.
Maria: We have now made email an alternative option to allow for you to quickly address your questions when a chat associate is available. I would be more than happy to assist you with your inquiry.
You: There was no email link on the web page. Green Trees link is also broken.
You: When I set up a pay to in bill pay the soonest it can be delivered is 5 days. Why?
Maria: Bill pay takes 4 business days. However it will post to your account on scheduled day.
You: That is not true with other accounts.
You: On other accounts it can be scheduled for the same day. For Green tree it is 5 days
You: Green Tree wants $12 for an electronic payment with them. Your agency delays bill pay. It is not right.
Maria: We have dedicated team of specialist who takes care of any Bill Pay queries.
Maria: Let me go ahead an transfer the chat. Please bear with me for moment.
Please wait while I transfer the chat to the best suited Bank of America Specialist.
You are now chatting with 'Seth'. How can I help you today?
You: other accounts it can be scheduled for the same bill pay day. For Green tree it is 5 days You: Green Tree want $12 for an electronic payment with them. Your agency delays bill pay. It is not right.
Seth: Hello. You have been transferred to General Bill Pay Web Chat. I can review your conversation above. To access your Bill Pay profile, please provide me the e-mail address associated with your Bill Pay profile.
You: When I set up a pay to in bill pay the soonest it can be delivered is 5 days. Why?
You:
Seth: It sounds like we do not have an electronic relationship with that payee.
Seth: Thank you. It will be a moment while I review your Bill Pay profile.
You: You own them
Seth: Unfortunately, Bill Pay does not get access to what the main Bank of America owns. However, this payee is going by paper draft. This could mean that the department requires a paper draft check, if done through the Bill Pay.
You: Not customer friendly.
Last text message receivedSeth: I sincerely apologize for any inconvenience this issue may have caused you. We can only provide you with the options. If the we have a relationship with a payee, and they require paper draft; we are unable to change that option.

Bank of America refused to contest charge made my bidrack.com
First when I called 4 days ago about bidrack.com charge me $99.00 for one bid that I made on their site. Bank of America said there is nothing they can do until the charge is posted which takes 4-5 days. Now 4 days later, the charge is posted, they said that there is nothing they can do since I did register to bid and consented to the bid packages. The fraud department had no interested in helping the customer contesting the charge from bidrack.com so don't expect any help from Bank of America
I would seriously consider changing bank considering how unhelpful they are. While reading this site, looks like other banks has been their customers dispute the charges. Think twice before you do business with Bank of America. Obviously, they don't want to get involve, it's easy for them to pay out the bad guy.

I had a fire at my home in 2009. I received a Check from the Insurance company and told to sign the check send it back to Bank Of America I did. I paid out of pocket to have the work done myself, mailed in all my paperwork, supplies I purchased, sent in the contractor bids and paid them has well. All I wanted was to be reimbursed from the insurance money that I was due. I had over $8, 000 dollars of repairs done. I was just informed that I would only receive $919.00. Bank of America has just commented Fraud. That insurance money was for the repairs I had done. The inspector came our signed off 100% completed by me. Now they want to send me only $919.00 for all that work I had paid for. Now I'M in forclosurer and they want to kick me out of my house and keep the money too. I was not in forclosurer when my house caught fire. Now I told they can use the money to add to my account. That not right. I need a lawyer

Reading these complaints, I find little comfort that I am not alone. I have been having major problems with Bank of America and my mortgage with them. Due to personal issues and work reduction I have fallen behind on my payments and I can not get anyone to work with me. They are telling me my only option is forclosure or a short sale. I think not. What really gets me, is that I can not get anyone to give me numbers on exactly how much it would take to bring the loan current and that they have to submit info and then forward it to me and then I have 10 days to come up with the money. This is after finally speaking to someone on the phone. I have spent many hours on hold or an automated voice tells me to leave a message or to call back at a different time. What?!. I can not stay on hold at work or my entire lunch time spent on hold. I know that I am not the only person dealing with this issue now but if you are going to say that you are going to help then at least have the resourses to do so. I have speoken with some very rude and unfeeling people and they always end the call with, "Thank you for your business." What a crock. They don't want our business and are doing nothing to try to keep our business. I can not even pull up the information on line to see if the payments I have made are really being posted to the mortgage.
It is a shame the way that this Bank treats people and yet you hear of all the profit they made, while they are increasing fees and changing the rules to suit them.
If there was anyway to get this mortgage taken over by someone who is willing to to work with people then I would be happy.
When I first started banking with them they did everything in their power to make sure I was happy and satisfied. The customer service and their buisness practices are shoddy. Once and if I ever get this taken care of I will never do business with them again.

i bought a mercedes truck it had a diesel problem a few days later the cluster burned the truck was at theire premises for about 3 wheeks they said they gone fix the problem they dit not i wend and said that i will pay half the cost to repair the truck they stil had excusses i wend to fetch the truck i took it to an bosch agentsy the cost are about 30 thousend to repair they just say sorry i have the truck more than a month they forget that the truck was at their premeses for most of that time

I've been banking with Bank Of America for 10 years. Since they accepted the bail out money I've gone to Bank Of Texas but still use Bank Of America as a spending account and have my merchant services deposits go in there. I keep a typically low balance, about $500 and transfer more money when needed. Anyway, I woke up to 6 $25 fees but I had not overdrafted. My account fell to $65 and then I transferred another $500. After arguing with the CSR for about an hour we broke down every single transaction and they had to admit they were wrong. What happened was a merchant (over a week ago) authorized my card twice, once for products without shipping and once for products with shipping but the authorization fell off the next day. But they deducted this authorization from my balance and hit me with fees 7 days later when I would have overdrafted had the transaction actually been paid. (I know, it's complicated, but it's highly fraudulent). After they corrected the six over draft fees of $25 each I wake up the next day and find TEN overdraft fees of $35 each! The first set of overdraft fees caused me to overdraft FOUR more times, which is true but why TEN charges? Nobody seems to know! After another hour on the phone this was taken care of. So I cynically wrote the bank an e-mail asking for $500 worth of credits towards my account for wasting my time. I made the point that if I had overdrafted by mistake I would not be able to deposit the difference and say 'I'm sorry' I would have to pay $500 worth of fees! They wrote me back with 'We've researched this account and found that you overdrafted blah blah blah'. I wrote back with 'apparently you didn't research this account because xxx and yyy'. They wrote back again with 'Oh. You're right. Sorry'. It just drives me so mad! First, they use a fraudulent fractional reserve system and create money out of thin air! The Federal Reserve is about as Federal as Federal Express and then they have the nerve to assess fraudulant fees on the public! Let me tell you how money is created. No, it's not backed by gold, it hasn't been in DECADES! The United States Government decides they need $10 million dollars. So they print up some fancy looking treasury bonds. Then they call up the Federal Reserve (who is a private corporation) and they print up some more fancy pieces of paper and give it to the US government. That's it! 10 million was just created! Oh but it gets far worse than this. The new created money has to have value and since the only thing regulating the value of money is how much is in circulation 10 million dollars has stolen value from the money you have in savings causing inflation! Now imagine 700 Billion being created out of thin air and given BACK to the bankers! And you wonder why gas is $2/gallon when a barrel of oil is going for $35 (it should be $.75 at the pump!) It gets worse! The fractional reserve system requires banks to only have 10% of their reserves in holding. This means they can loan out 90% of their reserve. So what happens to the $70 Billion of bail out money? It goes into bank accounts. Not $70 billion has because 7 TRILLION! Thus causing MORE inflation! And if you really want to realize how you're getting screwed let's factor in INTEREST! The US government doesn't just give the bonds to the Federal Reserve but the bonds are promissory notes that the US government will pay back the Federal Reserve with INTEREST! But if the Federal Reserve made the first dollar where does the money to pay back the interest come from? You got it! Print more money and borrow more money from the Federal Reserve! Causing a never ending cycle of inflation! Inflation is a tax on the people. Look at cars for a minute. In the 80's a new car cost an average of $7000. Now it's an average of $20, 000. Did things get more expensive? No! The value of the dollar has been chopped down to a third while wages have not even doubled! So you save a million dollars to retire on. When you retire that million dollars will have the buying power of $250, 000 if your lucky! And to top it all off.. they hit us with overdraft fees! We need to hit THEM with overdraft fees for bankrupting this economy and creating money out of thin air! And if you really want to hear the truth watch two movies on google video. America: From Freedom To Fascism The Obama Deception And speaking of Obama, lets take a look at the stimulus package for a moment. WE've already established the Federal Reserve printed 700 billion for the bail out right? OK. Well, we authorized the bail out money to be printed and we (the people) took responsibility for the debt, the interest and inflation. Then Obama writes a 700 billion dollar stimulus package. So what does the Fed do? They loan the US 700 billion dollars at INTEREST! AAAAAHHHHH! They're not even using Vaseline!

I don't know if this is the correct forum but I feel rather helpless at this point and am grasping at straws now. 

In mid to late 2009 I applied for the Obama Administration's Making Home Affordable Home Loan Modification Program with my mortgage holder, Bank of America.

For almost 8 months I went through hell with BOA representatives just trying to get my application through! Although I provided EVERYTHING they asked for, during the first 3 months I heard nothing about my application.  Then after my repeated calls, they began telling me over and over that either they never got my documents, they were "incomplete, " or I needed to update them.

Each time I would re-send the requested documents via FEDEX Return Receipt Requested AND GET THE RECEIPT BACK. Yet I would hear nothing for weeks and then when I called to check my status I would be told again that I had "missing or incomplete" documents- the SAME ONES!- despite the fact that I had the signed receipts!

This went on for MONTHS!

Finally, I went on a Trial Modification Program in March 2010 which was supposed to last about 3 months while they reviewed my file to determine if I could receive a permanent modification.

During the next 6 months I went through hell AGAIN...the SAME scenario...BOA reps claiming I wasn't supplying the correct documents, or they lost them or some nonsense.  Each time they would tell me I was in danger of being DENIED the permanent modification if I didn't straighten out the paperwork!  But how can you straighten out a mess that's being made IN-HOUSE!?

This ridiculous back and forth FedEx signed receipt "I don't have the right documents" mess went on until August 2010.

Then, in early August one of the BOA reps told me I had NOTHING to worry about because my loan app was sitting in the "approved" Dept and I would soon be receiving an "offer" letter for my "new loan modification." I was so happy and relieved.  She ASSURED ME that all the NIGHTMARE was OVER!

A couple days later Fedex was at my door with a package.  I was happy.  I thought "Finally! After all the hell I've been through! Here's my modification offer!"

Imagine my SHOCK when I opened the package and found a LETTER OF DENIAL, stating the reason for the denial was "MISSING OR INCOMPLETE DOCUMENTS!" To add insult to injury it made some reference to the fact that they would get in touch with me later about possible foreclosure info!

I was LIVID!  First, I had just been told I'd been APPROVED 2 days earlier! And 2nd, how DARE THEY even MENTION foreclosure to me YET?! I had not MISSED one single payment on my mortgage in the 20 years I'd lived here!

I immediately got on the phone and called them.  Guess what they said!?  "Gee, I don't understand why you got a Denial Letter. Everything here looks good. All your documents are in order." Yet they couldn't guarantee that the Denial Letter wouldn't "stand!"

So I then wrote my Senator and I wrote Brian Moynihan, President and CEO of BOA.  To his credit, within one week Mr. Moynihan had a rep contact me for details.  And within two weeks I received my new Loan Modification offer/Agreement.  I signed the Agreement/contract and sent it back.  In addition I also requested a SIGNED letter from Mr. Moynihan's office stating that I had been APPROVED for the new loan, which I received via FEDEX.

I HAVE the new loan/agreement AND the signed letter in my possession as of this writing.

As a result I have been paying my new loan amount under this agreement since August 2010.

However, all of a sudden, yesterday, when I called to dispute the amount of interest BOA sent me on my 1098 for 2010, the rep that answered the phone informed me that I had NOT paid my April mortgage AND that I also owed a late fee!  I said "NO, I paid my April mortgage on April 1st!"

After some more review of my file she said she saw that I DID pay the money but the money was sitting in the holding area.  I asked why.  She said "because your modification was declined."

WHAT!?!  I explained that I've BEEN in a modified loan for almost a year.  She said she could only go by the CODE she sees.  And the code says I'm DENIED.  OH MY GOD!  NOT THIS AGAIN?!

She said she would check something and get right back. When she came back she said she could see that I had been paying on a modified loan and wasn't sure why they didn't apply my April payment. She said she would transfer the money right then and remove the late fee.  But she said I'd need to talk to someone in another area about that CODE and why it was there.

She then transferred me over to discuss my tax problem.  While discussing my interest/tax problem, that rep and I discussed my Decline code.  I said the other rep had at least made sure my April payment got posted.  He said NO SHE DIDN'T.  He told me I was showing up as NOT HAVING PAID MY APRIL MORTGAGE STILL! AND that I owed a late charge!

So what DID that other rep actually DO?  Nothing?!

He said he could NOT credit my mortgage payment as long as that DECLINED CODE was on my file!

So here I sit, having faithfully been paying on a SIGNED LOAN MODIFICATION AGREEMENT since last year, having faithfully PAID MY APRIL mortgage, yet being told I'm DECLINED for a mortgage modification ? Being told I'm delinquent for my April payment? Being told I owe late fees because BOA is HOLDING MY MONEY and NOT applying it as they were supposed to?!

I can't get ANY decent or logical answers from BOA reps because when you call them, one Dept NEVER seems to know what the OTHER Dept's are doing! And when one Dept writes something in your file, another Dept has NO CLUE WHY, or what it means!

Now here's the BIG dilemma, among all the possible dilemmas:

Even though I PD MY APRIL MORTGAGE, I'm being told it's not being applied but in fact is sitting in a "holding" area because my modification was DECLINED! As long as it sits THERE, I APPEAR to not be following the rules of my NEW MODIFICATION/AGREEMENT, which could ultimately cause me to be KICKED out of the program through no fault of my own!

BOA has been happily collecting my monthly loan mod payments under the AGREEMENT for almost a year now!  Why have they STOPPED this month!?!

Why can't BOA get their stuff together so that the right hand knows what the left hand is doing at all times? Instead of making the customer SUFFER things like THIS!?

What is BOA trying to "PULL" now?  It really makes me wonder!

The BOA rep that worked on the tax problem is looking into this for me but it's really NOT HIS AREA.  So he didn't seem real positive about what he might be able to do about this "decline code" for me.  But at least he, unlike the majority of the BOA reps I've talked to, has been willing to TRY.

My next move, just like before, will have to be my Senator and my Congressman.  And this time I'm taking it to the news media as well.  

Financially, I'm in a very bad place right now.  My home is all I have.  I will NOT let BOA put me through that nightmare again and try to make excuses for taking my home.  It is all I have left. It is the one thing I have ALWAYS paid for, even at times, not getting medications I've badly needed (I'm on disability), just to pay my mortgage!

I hope that someone reads this and helps me before BOA starts my nightmare all over again.

And I hope people realize that I'm probably one of thousands that BOA pulls this on daily.  I know I was one of thousands they pulled the "missing documents" scam on in order to try to discourage customers from participating in the home modification programs!

Sincerely,

Patti Bright

Cc: 
-Congressman Steny Hoyer
-Senator Barbara Mikulski 
-Brian Moynihan,               PRES/CEO, BOA
-Charles Holliday, Chairman of the Board, BOA

April 13, 2011 RE:"Making Home Affordable Act"

Like yourselves I have spent countless hours on the phone trying to work with BoA. The following is the complaint I wrote to congress after finding out our request for home modification was declined.
Dear Mr. John Boehner Speaker of the House, Senator Cornyn and Congressman Lamar Smith,

Seven months after applying for a home modification through Bank of America, BOA has declined our request for help, and noted on our account we had to be 91 days delinquent before they would intervene and modify our loan. With the help of a qualified home counselor, we submitted all required paperwork requested by Bank of America three times (although 2x's according to BOA our paperwork was never received). In nine years we never missed a payment for our 1500 square foot home, and we have done everything asked of us by BOA and we will lose our home anyway, and that in itself makes no since.

We are trying to save our home by reducing the loan because of two hardships, one being in 2006 when I was involved in an automobile accident and the other in 2009 when my husband was laid off work for over a year. He is working again but took a grossly reduce cut in pay. Furthermore, our most recent news from our daughter who is in the Airforce seventeen years announced she would deploy in six months as well as the father, and I am the Guardian of the both their children and may not have a home.

The reason for my correspondence is I want my congress and Washington to know the new "Making Home Affordable Act" is ludicrous in that it does NOT work. I can't help to think of all the American people who may have lost their homes because of this new law with all its rules, regulations and red tape that goes with it when a perfectly good system worked.

After submitting the letter to congress I began searching for a modification application on line from BAC Home loans Servicing, LP. In my search I stumbled across your site. Your mails are a huge, I mean huge eye opener. I would like to know who is BAC and why is BOA using them for load modification?

I have booked a plot at real estate exhibition at The Park Hotel Nehru place New Delhi this below mention person and the company
sanjeev katri,
Surrender Tomer.
countrywidehousingprojectsltd .
31 C, 1st Floor, Bhikaji Cama Place, Mohammadpur,
Safdarjung Enclave, New Delhi - 110066
http://www.countrywidehousingprojectsltd.com
they given map of some other location at Jaipur for sale
after getting advance they denied to provide plot on that location and now neither providing the money back .
They have changed office several time and now their no office staff are their
the owner surrender denying to make payment back
pls gice some solution, so far he cheated around 300 to 400 people
my self having around 20 mobile number of those suffering client

My brother was a long term BoA customer when he died in January. I received a notice from BoA that they needed to repay the Social Security department for an overpayment to his account, which I had closed following his death. When I tried to pay at my local branch, I asked for a notarized receipt of payment. Since I'm not a BoA account holder their rules would not allow them to notarize a receipt to me. When I called their reclamation department to express that they should be ashamed of this kind of treatment, I was told that "they have rules". This is an indication of the little regard they have for their customers once they no longer can get any fees from them.

I'll keep this simple. I always paid my mortgage on time. I had countrywide. Boa took over. I had a death in the family in december and other craziness going on. I somehow missed paying my mortgage for the first time in my life of being a homeowner. They did not leave me one voicemail message. (I had a lot of 800 calls that I did not answer as I thought it was sales calls—and no one left a message which a rep told me was not usual) I also did not get an email reminder either. As a result, they sent me a letter which was received early in january that my payment was not received. As soon as I got the letter I ran to my computer and researched frantically to see if they were right. The funds had not gone out of my account. I made a payment immediately. I also called and asked why no one contacted me. No one could answer and said it was no usual. As a result they reported to the credit bureau my late payment and my credit is now ruined, credit cards rates went through the roof, etc.

The last correspondence I received said "bank of america provides collection calls as a courtesy to our customers, and are not guaranteed. " ###s. I let them have it again. They suck to say the least. Keep an eye on them. They have a bad reputation with mortgage procedures. Again, never had a problem with anyone else.

I have had a credit card with Bank of America since 2003. When I first opened my account I had a Checking and Saving accounts as well as my credit card account. I had problems with my checking and savings accounts within two years of opening the accounts and choose to close them as opposed to contiuning to do business with Bank of America. When I closed my checking and savings accounts I was informed that if I choose to close my credit card account it would effect my credit score negitatively. I had not had any problems with the account so I kept the credit card open. I have always made my payments on time and paid slightly over the minimun required amount. On my most recent billing statement the payment from last month (April 2011) was not credited to my account. I called to inquire why this payment had not been credited to my account even thought the check has already been cleared through my current bank account and after being transfered three times was told to contact my bank and advise them that a processing and coding error had occurred. I have the proof that Bank of America received my payment however they have taken the position that my check is not enough proof of payment for them they would not even advise were a copy of my check could be sent to dispute this matter. This is not legal and I plan to continue to dispute this issue with them. I would never recommend this company to any I know.

Recently, I was charged around $700 in overdraft fees from my Bank of America Checking account. The problem originally started when I made an accounting error and left my checking account with insufficient funds. I did not realize this, and used my debit card for my normal spending (many small items such as gum, drinks, etc). I used the card around 25 times and was not notified once that there was insufficient funds to cover the amounts.

Therefore, I was charged around $30 every transaction. It was only when I checked my online statement that I found this out. I promptly called Bank of America to try to get my money back, however they would not budge. I asked why they would let me keep charging small items on a card when the account did not have enough funds (although I knew the answer was so that they could keep charging fees and making money).

I remember reading somewhere that they made around 40% of their banking profits on overdraft fees alone, now I believe it. I have been a member with Bank of America for over 10 years and cannot believe what they are doing is not illegal. Also they raised the rates of 2 of my “fixed rate credit cards” for no reason other then “they did not like my payback habits” (although I was never late).

Shame on you Bank of America.

Let me start off by saying, I'd have loved to post my complaint directly to Bank of America's website… but they require a login before doing so, and unfortunately the inability to log in is the crux of my problem. Too bad BOA, your system is biased against people having problems with your website.

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Here's what happened. I had a semi-urgent task to complete in Online Banking, and upon logging in the same way I always had, the site kept telling me "You have not entered your Online ID. Please do so and click the Sign In button."

I had indeed selected my ID. The site just wasn't acknowledging it.

The response that I was given was that "you are an esteemed Private Wealth Management customer" and "Though it is a privilege to assist customers like you, our bank has marked your accounts to receive assistance from our Relationship Manager appointed especially to manage your accounts."

Fine. Frustrating that my "esteemed" status required me to jump through more hoops, but oh well. So, what's the contact information of my Relationship Manager?

The response to this question - TWICE - was to "call us at 1.800.878.7878 and receive the same dedicated assistance. We are available 7 a.m. to 10 p.m. Monday through Friday Eastern Time."

The second time really bothered me; clearly BOA has not empowered its customer service staff to think for themselves, so she just went right back to the script and posted an identical answer **and I mean identical** a second time.

At that point, I'd had it. When I need access to my account, I need access to my account. Bank of America, you can either make this easy on me, or hard on me. I don't have time to jump through hoops at 850am on a work day. BOA completely failed me today.

We submitted our application for a loan modification with Bank of America on September 9th of 2010. This was after an initial rejection the previous summer and a subsequent call suggesting we apply again. Now, after seven months of dickering and constantly asking for more and more information we have been told that our request has been denied and that our hardship was not severe enough. Given that I went from a nearly six figure income in 2009, to $10K in 2010 as an under employed salesperson, I am at a loss to understand what then constitutes a hardship? We are living off our savings and the income of my invalid mother who I care for in our home 24/7. I left my last employer after they slashed my pay and had to bring my mother into my home to care for her as I could no longer pay to have her cared for at an assisted living facility. I do not collect unemployment nor any other financial assistance to help care for my mother. I refuse to place her in a nursing home as the quality of care in such facilities here in Georgia is, on the average, substandard. I promised her I would care for her as long as I am able. We are barely getting by and it is only by withdrawing money from our 401K that we have managed to survive this last year and a half. But at this point our savings are almost gone and yet we are being told our hardship is not severe enough. I only wish we had the same opportunities the banks had when they applied for their bailout money back in 2008. They filled out a two page request form and simply had to ask how much they wanted. At this point I am not sure what we can do. If I could refinance it would probably help, but with my current income situation, and the size of my mortgage, no financial institution in their right mind would consider me regardless of how current we are on all our bills. We have not had a late payment in many years but that could easily change here once our savings are gone. I am just frustrated and to put it mildly, annoyed at a system that favors the rich at the expense of everyone else.