Bank of America
Reviews and Complaints

I have been in the Making Homes Affordable program with Bank of America for 12 months. I just learned yesterday that my request for a modification under this program had been denied by BAC Home Loans on December 8, 2010. I was never made aware of this decision. After learning that the reason was due to information not being received on time, I informed the person I spoke to that I had verification via fax reports that I faxed the information requested on two separate occasions on 11/03/2010 to two different fax numbers. This was because the agent handling my request (Fabiola Rousseau) said the first fax wasn't working and to send it to another number (which I did and have proof). The woman I spoke to yesterday (Melissa) said that unfortunately the correct department didn't receive that information on time and because it's been longer than 30 days, I am unable to file an appeal. This sounds like a total scam to me. I did everything I was asked to do and was never late on my original nor the modification payments. I am extremely concerned that Bank of American is attempting to fraud me out of my home. I was told by Melissa that my case was being assigned to someone named Dominique Jones to determine if BAC would accept some kind of modification. Otherwise, my home would go into foreclosure. I do not understand how this can happen to people who are doing everything - it's criminal in my opinion and I would appreciate it if someone could investigate this fraud that is occurring. PLEASE HELP! I have done since last March.

I started the refinancing process with bank of america the first of october to consolidate a first and second mortgage... It is now february and still no closing date. The appraisal was done at the end of october, and this should be a straightforward loan with no hiccups since my husband and I both have excellent credit scores and have been diligent in sending all the paperwork they have requested in a timely manner.In november we were assigned a new loan officer and every time I talk to her she tells me we have to resubmit a certain portion of the paper work (Such as pay stubs, bank account info) because the original paperwork is now out of date. She always apologizes and says she must have not recieved all our original paper work we sent originally (My fault? I don't think so... ) and says they have a large backload of loans they are working on, but she never calls me to tell me what she needs to move things forward - I always have to call her. To make matters worse I have to make a long distance phone call to reach her. I traced the phone number via reverse look-up on white pages and it is a landline in dallas tx. Does this mean she is working from her home? If so, who has access to my personal information? And how much more paperwork will have to be re-sent until something happens?

Bank of america discriminates against helping black people/african americans who wants to own a piece of the american dream. Maybe because of my neighborhood or the last name! It is funny how they do not return phone calls or refuse to speak with you. But there is a sale date on my home without any notices sent or given to us? Confusing the ### out of my family. Maybe I should apply for welfare and live off the whiteman's income? Slavery still exsists! Maybe they are upset because we finally have a black president!

Bank of America offers loan modification for those who are in need of help.
However I believe they are discriminating against my neighborhood, since it is a low income black community they refuse to help us. My mortgage was originally with
Country Wide and since BAC took it over they have claimed we never paid our mortgage; confusing to my husband & I. We have documentation and it gets better
we were told that we do not have any income and do not forsee our financial situation getting better! My husband works 2 fulltime jobs our monthly gross income is 5000.
BAC refuses to return any call put a sale date on our home without any notices claims they tried to call us but the phone numbers given were not working. Ms Kathleen Nygaard whom I have called several times but goes directly in to voice mail does not return any of my calls, I have recieved a letter from her that states nothing but lies.
I am not sure what to do at this point, I am waiting to go to court but have not recieved any court dates as of yet, we can pay our mortgage and they are refusing to work with
us. What are we to do with a family of 6 where do we live? we are looking into a lawyer. Not only that the mortgage we were paying was used to pay for BAC legal fees.
I wish there was someone out in this big world who can help us keep our home. As far as I see it BAC is full of ### and treat minorities like crap, I am sorry I am not white!
and trying to own a piece of the so called AMERICAN DREAM! MAYBE IF MY NAME WAS NYGARRD OR PITTSINGER I WOULD GET MORE RESPECT!

my name is michelle and i live in los angeles. i have been appling for a loan modification with Bank of America since november 2009 with the help of NACA and Operation Hope. At this time was also the merger of bank of america and countrywide in which my original loan was with. unaware that Bank of America had sold my loan to a private investor/bank called The Bank of New York Mellon i continue to asked/apply for loan modification. ater 17 months of none payment which they told me to stop paying in order to get approval i finally found out in January 2011 that there was NO way that bank of america could have given me a loan modification under and Making Home Affordable program or any home affordable program because they sold my loan and they were no longer the lien holder and that bank of america was only a sevicer and The Bank of New York Mellon who has been holding my loan does not participate in any government loan modification program or any modification program. bank of america always knew and was very aware that no matter what i would do i would never be helped or qualified for any loan through bank of america. bank of america knew since 2009 that my loan had been sold to a private investor but continue to string me along with all the letters of "we can help you". if this is not one of those bank scams!...i am still fighting and will continue...if anyone knows any resolution or can help me or any pending lawsuits that i can join please contact me at the above email...any other bank of america clients PLEASE check and see who own your loan...

I am a small business customer in Philadelphia, PA. I have been in business and banking with you for a year now. I opened my account in January 2010. I have taken advantage of a lot your services including 2 checking accounts and merchant services. Last year I have had a lot of problems with over-draft fees. At the time you did not offer overdraft protection between checking accounts. I could not afford a savings account at the time and I have paid about $1000 in fees to you last year. I’m not complaining about that because that was last year I just hope this year is better for me. But it gets very frustrating when you are a struggling business owner trying to make it in the economy.

i want 2 address a situation that I have incurred in your Philadelphia Branch on 10th & chestnut st on January 20, 2011. Around 11:30am I walked into the branch in hopes of finding a resolution to the $175 in over draft fees I was being charged for. I was helped by the branch manager, well at least I thought I would be helped. I went to him with my problems and he immediately shut me down with “I’m sorry but its nothing I can do”. I asked him about one fee of $35 that came out that day because it was funds available in my account, he could not explain why I was being charged again. The conversation went back & forth for a minute or two before I asked to speak with a manager. He then told me that he was the manager. Not once did he introduce himself to me- the whole time we spoke I thought he was just a customer service rep. I then asked to speak to another manager or maybe a supervisor, because I feel like its always something that can be done and I felt that I had a valid argument.

He then ended up giving me a number for a woman named Claudia Dulac. I called the number in his presence and the number was a automated machine. I then asked for a number or a email or address that I can contact her at. He then left and came back with a number and proceeded to call her in the room and place the call on speakerphone. He never closed the door and everyone seated in the waiting area heard my whole conversation! As I spoke to Claudia she was not really listening to me as if she really didn’t even care for the phone call. As I was trying to explain what my problem was she just kept saying that it was my fault, and she’s making the final decision to do nothing for me. I asked her who do I talk to if I wanted to put in a complaint or is it a district manager that I can talk to after her. She then said “No, I will not give you any information, someone will call you”. the Manager took the call off speaker said some things to her and they hung up. He told me that I had to leave because they were not going to help me or give me any information.

I know my business is small and I may not be one your million dollar customers but I’m still “A” customer! I asked him (manager) for Claudia’s information, he told me he would not give it to me, after some back & forth I called the Bank of America 1-800# in his presence because I figured they would assist me better with filing a complaint. As I’m on the phone, he started to call the POLICE! He called someone on his cell phone and then the Philadelphia police on me because I wanted a phone number and contact information of somebody that would be willing to help me. The woman from the 800# was on the phone with me and heard everything! It was the most embarrassing situation I’ve ever experienced in my life! Mind you the whole time the door is open and the whole lobby is watching me like a show! As I’m explaining the situation to the #800 rep. he tried to write down a name & number for me, as the police are there waiting. I told him I was going to close my account he showed No interest at all in keeping me as a customer. I asked him who was supposed to be calling me back and he said “ I don’t know, maybe someone from customer service or customer resolution”. well I said how are they going to contact me? Not once did he ask me for any of my contact information. Which leads me to believe that no one was ever going to call me back.

I was embarrassed and humiliated. The woman at the call center heard the conversation and understood my reasons for being upset. She helped me so much she explained to me that I was eligible for overdraft protection set me up with a new account and refunded those fees. I was very grateful. At that point I didn’t even care about the fees anymore, I just wanted to file a complaint but honestly if it wasn’t for the woman Kristen from the Montana call center I would have closed my account.

Bottom line I have never been more embarrassed in my life. What did I do that I would make him feel that threatened that he needed to call the Police on me! I’m a young black female and I was alone. I have never been treated like that from ANYBODY! I am 30 years old and never have I ever had any legal issues. I never threatened anybody or had anything that could harm anybody. Did I get the police called on me because I was black? Or is this is how you treat your customers because they want to file a complaint? I thought as a customer if I wanted contact information on someone such as a manager I was able to get it? I’m hurt and confused. And I would never go into that branch again let alone downtown to do my banking, because of that humiliation. Before I left I was able to get the manager’s name that put me thru this drama, it is…

Raja Tazeem
Banking Center Manager I
10th & Chestnut Banking Center

I hope no one else would have to experience this kind of treatment…

I opened an account at Bank of America 12/29/2008 hoping to transfer from Chase because I was looking to buy a home and decided I was going to use Bank of America. By 09/2009 I decided I was going to stick with Chase and went to close the Bank of America account on 9/21/2009. When I went to close it I was told that I owed $10.95 because I had already transferred the balance back to my Chase account. The $10.95 fee was for credit monitoring that I had on the account. I paid the fee so that the account was -0- and then told the teller I wanted the account closed. She went for another lady who proceeded to "close" the account, I should note that I've never closed a bank account before so when she told me that the account was closed and gave me my receipts for the payment I made I went on my merry way. On 03/02/2010 I received a letter from ERS solutions Inc. stating that I owed Bank of America $128.26, I called the bank to inquire what the charges were and was told that they were for credit monitoring. I informed them that the account had been closed since 09/21/2009 and asked how a closed account could be charged for credit monitoring. The representative told me that the account was not closed properly and that they were at fault and after giving all the details I was told that it would be taken cared of. I had not heard anything from Bank of America since after I closed the account to make me suspicious of the fact the account was still open. After speaking to the Representative in 03/2010 I had not heard or received anything further. Fast forward to 01/2011 I receive a letter from NCO Financial System about the same $128.26. I again explained the situation to the credit collector and contacted Bank of America only to get a run around, about how old the issue was and if I had resolved it sooner they would be able to give me a credit. They said they no longer have access to the information since it's with a collection agency. I first called customer service who gave me the number to recovery services who couldn't help and told me to call customer service, which connected me to customer solutions that sent me back to recovery. They told me that if I had closed the account I should have received a statement saying it was closed, which I never got and since I never closed an account and they never said that when I went to the Bank to close it, i guess I have no proof i actually closed it. Other than the fact that i am not dumb and I am cheap and hell and would never leave an account for charged to be billed for no reason. Clearly they are trying to make it seem as if I am at fault when I've spoken to reps who told me they were at fault and now they try to turn the table saying I should have known that I had to receive a statement saying the account was closed. I have $128.26 that is in collection and I refuse to pay it because I spend my time and money monitoring my accounts and money to ensure I am not being scammed by individuals and it's the institutions that you trust to be trustworthy end up cheating you. I don't pay lifelock and check my credit report trying to keep my name clear and myself debt free for Bank of America's billionaires to try to cheat me out of $128.26. They will get that money when I die. They can dig my body out of the ground and sell my body parts in order to get that money, but as long as I am alive they will not get that money. I've never owed a single person, or company for anything. I pay all my bills before they are due but I won't pay a bill I know I don't owe, I am not made of money Bank of America and if you heard otherwise then bully for you!

If you ever get a little behind on your mortgage with B of A, they give you over to debt collectors immediately. Let's say your behind (1) payment, but make the next payment on time in full (regular amount.) Obviously, you need to somehow get the one payment in to them before you fall way behind. Well, they will tell you that even if you made that 2nd payment on time (and you specified the month you wanted it applied to) they will charge you a late fee because of the 1st payment you missed & they will keep charging you late fees until you catch up that 1 payment. GUESS WHAT, THAT IS ILLEGAL, it's called (LATE CHARGE PYRAMIDING) per the FCC.

If I had known this fact I would of called them on it, but if you think about it, they can always blame the people (comapny of debt collectors they pass you to.) How BRILLIANT, now they can claim they had no idea that it was going on. JUST A WARNING FOR B OF A CUSTOMERS. This company will not only kick you when your down, but will stomp on your head. By the way, for the negative nancy's that like to make snotty comments on how perfect you are - this kind of information sharing is what this site is about, so find another website. My mortgage when B of A took over my loan skyrocketed up $400 extra a month and my impounded account was only semi-impounded, because I was also getting extra $500-$700 tax supplement bills. This is after paying into the mortgage for 2 years, unresolved and no explanation! I give up...

Attempted to refinance my home 7 mortgages with Bank of America. They took money from my bank account without approval and are taking their time with refunding it. I'm sure this is just one more way they take advantage of customers taking funds and gathering interest on money that doesn't belong to them.
Tried to charge me application fees and lender fees on loans they already had in house. I can't understand how our tax dollars were used to bail out these people.

Agatha: hello! Thank you for being a valued bank of america customer! My name is agatha. May I have your full name and the last 4 digits of your account you are referring to?
You: _
Agatha: thank you for the information, _.
Agatha: how may I help you with your personal checking and savings accounts?
Agatha: are you still with me? Please respond so I can leave this chat window open to an answer any questions for you.
You: my checking account is overdrawn because the online banking system didn't give me a correct account of what was occuring. My gi benefits from the military was deposited into the account on the 6th around midnight...
Agatha: I understand your concern regarding the account balance.
You: and the online banking system told me I had around $720
You: this led me to believe that I could proceed with making purchases.
You: I made sure to keep money in my account because I knew that my cell bill would be processed the next day...
You: I mean before the 5th.
Agatha: thank you for your patience. I really appreciate it.
Agatha: I have reviewed your account.
You: I checked the account throughout the day on the 5th and the check I gave to my landlord earlier in the morning hadn't been processed...
Agatha: I see that the available balance in your account is overdrawn by $30.82.
You: today I was in the grocery store to buy food and it said I had insufficient funds, so I checked my online statement and the information had changed from what it was on the 5th and 6th...
Agatha: I see that the check number 139 for $447.00 was posted to the account.
You: I really don't know what happened because the check must not have processed on the 5th but on the 6th.
You: the funds to cover that check wasn't deposited into their account until the 6th, so I do not understand why I have an overdraft fee.
Agatha: yes, but whenever the payee presents the check we will pay the amount.
Agatha: this check for $447.00 overdrew your account and a overdraft fee was charged.
Agatha: the date on a check is for your reference.
Agatha: the payee of a check is not required to hold the item until after the date on the check. When you sign the check, you agree to pay the amount written on the check.
You: so why wasn't the money withdrawn from my account on the 5th and posted so I knew where I was financially?
You: it appears to me that the online banking system duped me into believing something false.
Agatha: I do understand your point.
Agatha: please note that if a check dated in the future, otherwise known as a post-dated check, is presented for payment, we may pay the check and charge it to your account even if it is presented for payment before its date.
Agatha: however, if you do write a post-dated check, it is only an agreement between you and the payee.
Agatha: by federal law, banks within the united states may process post-dated checks once they are presented for payment.
You: the money for the check remained in my account until the 6th and wasn't withdrawn from it until the 6th or midnight of the 7th right?
You: the $447 check was written on the 5th and given to my landlord that morning...
You: I really am in a bind here and would greatly appreciate a refund of that fee...
You: until I receive my financial aid I will not have money to eat.
Agatha: one moment please.
Agatha: I do understand your point.
Agatha: would you like me to explain how the fee was charged?
You: I guess...
Agatha: sure.
Agatha: one moment please.
You: electronically speaking, isn't the check manually typed into your system for removal from my account but it is not physically removed until processed... Which occurs the next day?
Agatha: the funds will be debited from the account when the check is presented for payment.
Agatha: we do accepts stale or post dated checks.
Agatha: *accept
You: but the online banking system didn't notify me of it.
Agatha: thank you for waiting. I'll be with you in just a moment.
You: isn't the check like a credit or debit transaction that posts to the the account to give an average of what is available, but it is not really taken out until the computers have updated the next day.
Agatha: we process all the transactions during the overnight processing, first the credits will post then, the debits will post to the account and all the updated transactions will post to the account on the next business day by 6 a. M.
Agatha:
Agatha: however, saturday and sunday being the non-business days, the overnight processing will not occur and the deposit will be considered as made on the next business day i. E., monday. Hence, the deposit will be processed during the monday's overnight processing and the funds will post to the account on the next business day by 6 a. M.
You: yes, but my gi benefits were posted to my account on midnight of the 6th.
Agatha: let me please explain this to you.
Agatha: our records show that the starting balance in your account on 1/5/11 was $38.88.
Agatha: there were 3 transaction that posted to your account which are $447.00 which is check 139, $5.00 and $1.00.
Agatha: the transaction for $447.00 overdrew your account and an overdraft fee fee was charged.
You: hypothetically speaking, if I made a credit or debit purchase for $40 then I would be in the negative, but if I put money in the atm to put me in the positive I wouldn't be charged a fee for being in the negative for a few hours?
Agatha: I see that the credit of $687.00 posted to your account on 1/6/11.
You: yes, I checked it that night on the 5th, I mean 12:30 a. M. Of the 6th, and it was in my account.
Agatha: we apply direct deposits as they are received throughout the day.
Agatha: the funds are made available on the effective date.
Agatha: this date is decided by the company that is sending your direct deposit and is reflected on the documentation that you received from the company.
Agatha: please note that making a deposit or transfer after items have overdrawn your account will not prevent the items from being returned as unpaid or fees being assessed.
Agatha: the funds must be in the account before items are presented in order to avoid overdraft fees.
You: whoa.
Agatha: hope, I am clear with you.
You: so what if my landlord's paperwork says the money was deposited into their account on the 6th?
Agatha: it depends on the financial institution of the land lord's account.
Agatha: I am unable to comment on it
You: so if I can prove that their institution received the money on the 6th will you guys please refund me the $35 feee?
Agatha: I see that the fee was charged correctly, so we are unable to refund any fee.
You: goodbye bank of america.
Agatha: is there anything else I may have pleasure to assist you today?
You: lol, no but thanks anyways.
Agatha: thank you for choosing bank of america's text chat service!
Agatha: bye. Have a great night.

I was automatically having my payments on my NEA Bank of America card made via the Bank of America website. Bill was scheduled for Jan. 2 which was a Sunday. When it was not listed as paid by Monday I checked the bank website & saw that I was still listed as having automatic payments for full credit card amount scheduled. On Wed. Jan 5 I got an e-mail stating I had a new bill with interest as the old payment was overdue. I spoke to several people in different departments who all claimed that not only was I not scheduled for automatic payments but I never had these done. When I checked the website I saw that suddenly there was no listing for me having automatic payments. I arranged on the phone to have the bill paid and almost convinced myself that I was losing my mind until I checked various consumer complaint sites and read of similar experiences. I can only hope that this small bill is straightened out so I can discontinue my card. I also wonder how long they can get away with this nonsense!

Recently, Bank of America went into my checking account and withdraw over $300 in overdraft fees. I did not sign any bad checks or make any purchases with my debit card that were over the amount I have in my bank checking account. When I called to find out what was going on, they informed me that I have overdraft protection from a family member's account. I have never signed up for overdraft protection on this person's account and this person has never signed me up for overdraft protection on their account. Bank of America's information is completely wrong. I went to the local branch where I signed up for the account. When I demanded my money back, I was told I am talking to the wrong people; I should be talking to my family member. I asked to speak to the manager, who also informed me there is nothing she can do. I then asked how I should go about making a formal complaint in writing. The manager told me they do not accept complaints in writing. To summarize, Bank of America can go into your account, take your money for no reason and make up stories that you signed up for overdraft protection for another person's account when you have never even been to a bank with that person.

I am a deaf customer. I opened an account at local branch of B of A in September 2010. At same time, I asked for contact via email (written language is my primary language) with the local mortgage/loan officer for this very small bank. I was ignored. I then sent 2 emails asking for "preapproval" of a home loan. I was ignored. I then sent the branch manager a long fax explaining what the Americans With Disabilities law is and why he needs to respond to me in writing, because I do not use a telephone and bank refuses to use live relay. I was then ignored for another month. Sometime in December 2010, manger and loan officers both began emailing. As of this date (December 31, 2010) they have STILL NOT been able to either approve or deny a home loan, despite my immediate responses to all of their requests for my personal and financial information. Excuses are: we have the name of your old landlord, but not the phone number. We did not get the fax you sent 11 days ago. We misunderstood what you were asking, etc. Nobody responds to me unless i first email the bank manager. Does it normally take more than FOUR months to make a decision about a home loan applicant who has a steady income? Or just for deaf? Seems to me like DISPARATE treatment. proof is dozens of private emails with dates on them.

My house was foreclosed on in September. Six months before the foreclosure of our home was to occur, we secured full time jobs and immediately contacted Bank of America (BOA) to start the home modification process, as we were more than qualified to pick up and start our house payments again. BOA told us we qualified, and would send us a packet of information to fill out by FedEx. We never got those papers. After calling time and time again, BOA would not return our phone calls, send us the requested forms to be filled out, nor assist us in any way after that first conversation. We hired an attorney to assist us and even BOA's attorney here in Denver tried to help us, but nothing happened. I kept a list of everyone I talked to at BOA for those months and what they said.

BOA called me today to tell me that Fannie Mae now wanted to help us get back our home. Fannie Mae would pay any costs associated in doing this. After thinking about this, I am wondering if Fannie Mae is just now getting clues of how BOA has been screwing over people who are qualified, yet not being assisted, in receiving the home modification program. Clearly, BOA has denied (or not assisted) people that could have stayed in their homes by using the President's modification program. Having said this, has Fannie Mae been foreclosing on a lot more houses than it seems like it should? I bet you it is because BOA is not doing their job. Look at the thousands of websites on complaints against BOA. The consumers are complaining about the exact same thing I am talking about. No wonder BOA is having states filing class action lawsuits against them.

I just wanted Fannie Mae to know that there has to be a lot of people like me that could have kept their home and not have had them foreclosed on and dumped back on to you at a loss. (I was willing to continue paying my loan if they would have just tacked my missing payments to the end of the loan.) My house is still on the market and they currently have it listed for $60, 000 less than I was willing to pay to get the modification.

I have written our State Attorney General regarding this as well. If you are aware of this problem or need help in pursuing BOA's inaction to assist its valued customers, please let me know. I would be happy to help. After the grief of losing our home, I would be more than willing to assist.

Anyway, I wish you much luck. With BOA denying qualified people their home modification loans, I believe you are going to continue to be saddled with a lot more homes to come; homes that should not have been foreclosed on.

I am trying to make sure that anyone who is trying to get a loan modification through the Making Home Affordable program and their mortgage is with Bank of America knows that all of us must band together and file a class action suit. Bank of America is not going to help you with your loan.
Bank of America wants to put you in foreclosure. That is the simple fact. It is not going to suffer losses to shareholders. It is my prayer that an exceptional class action law firm comes across this and notifies me their is pending class action or they will be willing to hear what Bank of America is doing to destroy the lives of Americans. Unless their abuse of the Making Home Affordable program is publicized, no one can expect that Bank of America mortgages will be modified.
My story is long but, I needed to write this today. It is Christmas and my contact with Bank of America on Chrismas Eve resulted in this being the most joylessness Christmas I have ever had.

I am on a fixed income, until recently supplement with a part-time job. I sustained a rotator cuff injury and no longer am able to supplement my Social Security Income. I contacted Bank of America and requested a loan modification. I not only never have missed a mortgage payment with them, I pay in advance and also make an extra payment annually to decrease the repayment term of my loan. Here's what B of A doesn't disclose, but which I discovered in conversation with the modification negotiator: if B of A grants a loan modification, they take the difference between the original loan repayment amount and the lowered modification amount and add that to the principle balance on the loan...each month. In effect, their loan modification is a negative-amortization loan. Additionally, if the modification is granted, Bank of America reports the borrower delinquent each month to the credit reporting agencies...their rationale being, as it was explained by the negotiator, that the borrower has failed to comply with the original, pre-modification terms of the loan. Therefore, after receiving billions in bailout funds, Bank of America has found a loophole in the bailout terms that allows them to grant modifications, but penalize the borrower by destroying the borrower's credit rating AND recouping the full payment should the borrower ever manage to sell his or her home by increasing the principle balance owed each month - thereby devouring what equity the borrower may have in the home. Bank of America is not the only lender bailed out with our tax dollars engaging in this practice...and the Senate is well aware of this practice by the banks bailed out; I called some Senators and was told this is not illegal and there is no regulation in place to prohibit this practice. I'm refinance my home through a local credit union - same payment, but at least none of the thiefs we bailed out will benefit from my monthly mortgage payment.

Today is Dec. 14, 2010 and it has been almost 2 years since I initially applied for the Home Affordable Modification Program with Bank of America in July 2009. I sent them a clean file and kept following up and escalating to numerous supervisors only to be told to that it takes 60 - 90 to hear back from the bank in regards to my request. In December 2009, I was able to get the direct contact number of the negotiator handling my file (after being told that information was proprietary). The negotiator was understandable and sent me my trial payment package which would begin on April 1, 2010. I completed all 3 trial payments on time only to be told that it would be another 90 days before a final decision is made. In July 2010, I received numerous FedEx packages asking for several things that did not apply to me...so I called and the rep said just disregard it. Well another month passed with no word on my modification. In August 2010, I continuously called BAC weekly to check the status and make sure my paperwork was up to date and was told it was fine. Well after hearing nothing yet again as to when I would be receiving my final package...I filed a complaint with the NC Commissioner of Banks. My file was immediately escalated to the Office of the President only to be called with broken promises just to keep the heat off the company. I'm fed up and if I could pay this mortgage off in full, I would just so I would never have to deal with Bank of America again. All of their reps are incompetent and probably have NO mortgage experience or proper training. That should be against the law. I spoke with the 2nd negotiator (office of the President) on Dec. 3, 2010 and she assured me that my file was escalated to underwriting and I should hear something back in a week...well On December 13, 2010, I received another FedEx package thinking it was my final modification...only to find out it was a package asking me to apply for the HAMP...HELLOOOOO! I applied for the HAMP in July 2009 and have been waiting for the idiots to give final approval. I'm about to contact my Congressman next because this is beyond ridiculous.

BOFA is kind of backwards in some ways as a rsult of being very southern in origin. I submitted a check reorder with my full name on it only to receive new checkd with park of my last name being changed to an initial. BOFA has personnel that make changes without authorization which really pissed me off when I provided the correct way m y name should be on the checks. BOFA dos not get it when a customer has two last names such as mine. To make pat of the last name an initial is just plain stupid. I do intend to go into one of it poor customer service centers on the South Side where you are treated and greeted with an attitude like "what do you want?" My exerience with North Side service center is much more pleasant. I wonder why, but blieve BOFA know the answer very well. Lack of respect for South Side Customers in general!

If you are trying to make a decision between Bank of America and another bank, or if your loan will be processed at the BAC Home Loan Processing Center in Brea, CA, please read this review. We are currently in escrow with Bank of America Home Loans, and it has been a complete nightmare. Actually, everything was going smoothly up until the week ago. Our loan processor told us that after he received the last two pending items, our latest bank statement and the termite clearance, that we would go to underwriting and that we should close on time. As soon as both items were ready, they were sent to our processor two days later. And then he disappeared. We didn't get confirmation that he received the documents, we weren't told that we were in underwriting, he didn't return phone calls FOR THREE DAYS. In the meantime, emails were flying all over the place between buyers, sellers, escrow company. Three days later, which was two days before we were supposed to close escrow, he sends this message. "Whew. I've been out for three days and am trying to catch up on my paperwork. BTW, we're not going to be able to close on time". My jaw just dropped because I had realized that our file sat frozen on his desk while he was gone.

We contacted his manager by phone and email, we were not contacted. We contacted another manager in the same department and were not contacted. It is now the day after we were supposed to close and we just got a message from the manager. It was a general message that explained that our processor had an emergency and had to leave unexpectedly and that we were now in underwriting. No apology, no explanation of how they were going to makeup for lost time, and why/how our file was abandoned. We are now closing late, on a date that has not yet been determined. My husband and I both have a steady income, high FICO scores, turned everything in on time. This delay in funding is clearly due to our processor's absence.

Do not choose Bank of America. They have horrible customer service skills, will treat you like a number, and have no regard to sticking to a timeline.

Bank of America is ruining my credit! I've been lucky enough to keep my job through out this recession. I make six figures and have always been financially responsible. I've been unlucky enough that Bank of America has aquired two of my credit card accounts. I already had two lines of Credit with BOA. I've NEVER been late with a payment and actually pay more each month than what is due. They have continued to drop my credit so that it appears that I am right at my limits. For example: I had an MBNA credit card with an $18, 000 limit. I made a $5, 000 payment and they lowered my limit to 13, 000. I just made a $2500 payment and they lowered my limit the additional $2500. I just needed to buy a car and because it looks like I'm at my limit on all of my BOA accounts- I had to get a higher interest rate! I just paid off one of my BOA lines of credit ($9, 950) and the closed the account. They are taking good people thatt are working very hard to make their obligations and screwing them. My credit has dropped from good to fair thanks to BOA! There has got to be someone we can talk to about this. Does anyone have any suggestions?