Bank of America
Reviews and Complaints

Bank of American has placed flood insurance on my home loan, when I already have flood insurance thru Farmers. For the past 2 years BAC added flood insurance to my escrow account. I have provided them with copies of my flood insurance, and my agent has called them to confirm that I have the appropriate coverage for my area. They claim not to have added the coverage but my escrow statement and mortgage invoices reflect the addition. Who can I go to in order to have this issue cleared up?

I went to my safety deposit box today. I forgot my number. I was told to make an appointment to get the number. Manager was at lunch at 10 am. Sonia the manager came out o tell me about the new rules.. When I told her the time it took you to tell me the rules you could have looked the box number. She looked it up a a one time favor for me. Now she says the box is locked. She can't unlock it. The branch is so tech savvy she can't unlock it. She can sit in front of a computer to give me an appointment by she could not unlock my account. Horrible attitude she is doing me a huge favor while her assistant is walking around. Sonia should be fired.

I also had Bank of America randomly place a $1, 200 flood insurance premium on my mortgage account last July. My payment jumped up as a result and I didn't know because I autopay from my online bank account. I was 'delinquent' and being charged late fees. I fought the flood insurance once I figured out what happened and finally B of A admitted that I was actually not in a flood zone and it was all a big mistake. You have to babysit. Call and question!

Bank of America aquired my loan from Countrywide mortgage. I was later informed by regular mail that I needed to prove flood insurance. When I found that my condo association was no longer carrying flood insurance on the property, I bought my own. Bank of America determined there was a lapse from 10/14/10 to 11/24/10 and added to my loan balance a premium of $546.76. FOR SIX WEEKS OF COVERAGE! There was no certified mail, no email, and no declarations page to prove cost of the insurance.
I didn't even get a kiss...

Here is a link for a law firm in Minneapolis and Sacramento
http://www.nka.com/case/bank-of-america-lass/

They are trying to charge us for a policy for last year...after the fact. We closed on our home 6/30/2010. We went through all the hoops they told us to go through, including getting flood insurance. About the second week of July 2011, they informed us that we did not have insurance for the previous year and are going to charge us almost $7000 for it. Really? How can you charge me for something that I can never get? I would love to see how you would backdate an insurance policy. Our insurance Co has informed us that we did have flood insurance, that they had to fax the information to BOA on three separate occasions last year. We have an email from the title company saying that we paid for flood insurance BEFORE closing. It shows in our closing documents. When asked how can they charge us for something we cannot attain, they say they have a policy that if a homeowner does not have flood insurance and damage occurs, they will cover the damages. REALLY NOW? Who trains these people to lie like that? At least give me something even I would believe...Surely they can do better than that?

There are class action suits going on in different parts of the country right now. I believe Washington, Massachusetts, and Florida. Google flood insurance scams and you will see them. See if there are any going on in your state and contact that attorney. Good luck!

bank of america is obviouslyprofiting from making people raise their flood ins. to match the haz.insurance. This is nothing short of racketeering! The american people-(fed. gov't) bailed these sorry [censor] out, and i'm sure in a closed door meeting instructed them that they would pass new rules pertaining to them aiding fema maintain their wealth after katrina. Needless to say, they are only causing the already stretched thin american public to a speedy foreclosure with these tactics. But i am sure its an acceptable risk. Long live nafta! Althou it sounds like i'm ranting, i was a victim of b of a's tactics. I was told i needed to procure 210, 000 worth of flood ins. on my 61, 000 mortgage. I refinanced at another bank! I will not pay the wages of a corp. full of unethical thieves. Good Luck

I just finished a business transaction at the Bank of America on 1950 E Camelback. I went outside and i was waiting for a friend to pick me up. I was dressed professionaly and I had a gym bag with wheels. Waiting-However, someone from the bank come outside didn't ask if I needed some help, they just went back inside of the Bank.
What happened next a police car showed up and asked me what I was doing. I informed them that I waiting for a find to come pick me up. The officer went inside and then two more arrived.
I feel that I was wrongfully harassed just because I was outside waiting for someone, I think someone should have asked me what I was doing before they call the police. Also I have account at Bank of America.
Randall Richard
4231 E. Grove ST.
phoenix, az 85040

Bank of America is currently harassing me.

I was awarded money in a divorce settlement that I cannot collect from them because they will not divide my ex wife's and my assets without court paperwork. The courts are closed half the week due to budget cuts, and the paperwork has been tied up since January.

In the mean time, I have been laid off from my part time jobs, am on rental assistance and food stamps, and have missed a truck payment and defaulted on my credit card. They call me daily and I tell them the same thing.

One department can't get me my money while the other harasses me about not paying my bill on time. And neither will talk to each other or try to work with me!

Bank of America should be investigated and fined for their policies of harassment of customers!

I've made my monthly payment for 5 years and BOA has started sending a collector to check my premises monthly and has blocked me from making online payments. I was informed I have a 'new' account manager. I would like to make it clear I make my house payment monthly, never missed a month. I've spoke to the 'new' account manager and was informed this is a common practice and that BOA can and will come onto / into my property whenever they want, for the home isn't mine. They answer the phone the same way as above. I find this very odd. What should I expect?

I am also being harassed by bank of america. I sent them my house payment on the first of the month. Two weeks later I was checking my checking account on-line and noticed the money had been returned and redeposited in my account. I have sent them money every month the same way. When I called BOA they told me I was four months behind and they filed papers with Doyle Law Office for foreclosure. I told them I could pay these payments up to date the following Friday. They told me they couldn't accept them without the lawyer fees included. I asked what the lawyer fees were and they said they had to put in a request because they didn't know. They returned my payment so that they could file foreclosure papers. They filed them 20 days after they had received the payment. I am working with PMI to remodify the loan. Bank of America is calling me every evening, and every hour on weekends. I tell them the same thing. If you won't take my money then why are you calling. Then they will say that they are collecting a debt. I will tell the same thing as above each time. The last time I told them that it was harassment to call more than once every three days by federal law. They told me it wasn't harassment to collect a debt. I told them it was harassment when I have sent them money to pay a debt and they returned it and refuse to take any money to bring the debt up to date. Is there any federal agency that monitors these business and a place where we can turn them in for harassment. I am considering blocking their number from my phone.

I too, was with TBW who restructured loan effective by august, 2010. but then like you got a letter in september that BOA was in control of the loan. Sent the check above the amount they and they sent it back, with a letter requesting amount under prior terms before restructuring. Amid repeated calls every month, they got more and more unreasonable with the balance. We moved out and put the house up for sale..Hearing and mediation scheduled and commenced court date scheduled afterwards, possible short sale pending, then BOC requested dismissal of proceedings with no reason given. To date this is the second cancellation by them and one by TBW. Now one month later they are starting the same harrassing calls again. I feel hepless and hopeless. The government seems to continually give BOA more power to make life for people a living hell. I am sad to hear how many of you have had similar stories, so sad.

I had the same problem starting a loan With TB&W and now having to deal with Bank of America or should I say Bank of India seeing they have outsourced almost all their jobs. it is ridiculous. I've made a promise to pay on January 7th because I put my mortgage off to by my kids christmas presents and when I ask why they continue to call despite seeing that promise they say they will continue to call until the payment is made. Why then does a promise to pay even exist ? Im recording all my conversations with them whether they allow me to or not because they are scandalous fine print thieves and don't deserve to call themselves anything America. If you are receiving these harassing calls just do what I do ask for manager (who makes 50 to 60K a year by the way) and waste that persons time with as many questions as possible if this start continues to happen it will eventually add up and maybe even change their policy - Good luck my fellow Americans

I'm in the same boat as you all with the whole TBW/BOA ordeal. I've received the harrassing phone calls, the foreclosure letters, the debt collection letters, and all when I've been making my payments. Around February, they sent a letter saying that I was three months behind. What had happened was they increased my payment about $200 without contacting me by any means. They said I should just be able to look online for that info. Anyhow, that got straightened out, or so I thought. Then once again, they called yesterday saying I was three months behind. Another department said that I was fine. I'm not understanding how I'm fine with one person and way behind with another person. I'm not behind with anyone! They can't seem to get their act together, and I am VERY frustrated. I've been trying to find another mortgage company that will take our loan, but I'm not sure what to do in the process. This really needs to be put on national TV. Let someone do an inside investigation or something. The economy is bad enough today without having the schoolyard bullying. The lawyers say to get the names of those you speak with, but they don't always say their name or say a name when you know it can't be their honest name since an Indian with a thick accent says his name is "John" or something American. Americans need to take this country back, remember where we came from and our founding fathers' beliefs, and get our act together!

I have their credit card (unfortunately). We keep getting calls to find out why we are not using it, or can they do anything for us--yeah you can; leave us alone! Some Indian guy called us yesterday. I told him that I was not interested, and not to call back. That was at 3:30 p.m. At 7:45 p.m. the same day, he called again! I said, "this isn't Bank of America calling again is it?" He said "yes, sorry." I told him that I told him at 3:30 earlier in the day not to call anymore. He hung up on me. Anyway, he called again today! I think that the next time he/they call I am going to tell them that I am glad that they called, so that I can cancel my card. Talk about harrassment! Business must be bad if they have to badger people to use their credit cards!

I am in the same situation as all of you. Been fighting with BOA since this all happened last year. Just received a letter yesterday about foreclosure if I don't pay up. I DON"T OWE ANYTHING. I am completely up to date with my mortgage. Faxed bank statements from as far back as 3 years ago showing my complete payment history, and yet I continue to be harrassed. I'm at my wits end. Don't know where to go from here. Anyone have any advice on what kind of lawyer I need to contact?

I have an identical complaint and now seeking legal action with my lawyer. I think the last payment might have been frozen at TBW by the FEDS and BOA is having problems getting their hands on it. You know what I say, Not my problem. I have taken care of all my debt obligations. Quit harassing me I paid my debts. BOA can use my tax money the FEDS give them( aka BAILOUT MONEY)to take care of this matter but are not going to receive one cent more from me than what I owe.

Bank of America is trying to foreclose on my home but will not provide me any legal documentation dealing with my loan. I have called 4 times over the last 10 months asking for a copy of my mortgage and any other associated paperwork. They said it was sent but after months I never received it. I asked to know whom held my deed. After receiving many various stories, I was told by Mr. David Lindsey that they would only tell me if I wrote or faxed in a request for that information. I asked to speak with a manager. I was told by Mr. Lindsey that I could only speak with a manager if I wrote or faxed in a request for that information. I asked to file a complaint about the only way I could find out who held my deed/loan, file a complaint or speak to a manager was to send in a fax or written request. I was told by Mr. Lindsey that the only way I could file a complaint was if I wrote or faxed in a complaint. This is absurd! I have a hard time believing that I live in America anymore. Need I say more.

bank of america is attempting fraud by purposley ignoring my loan mod submitted to them in dec 2008 and receiving it on feb.7 2009 this is confirmed.they continually claimed they had no one assigned to said modification and now after 6 months are threating forclosure.this sounds a lot like COUNTRYWIDE LOANS .they lied about 3'rd party contacts but when you talk to another rep they tell you its been escalated and is still in review and your rep from HOPE NOW LOAN MODIFICATIONS HASENT CONTACTED THEM.this seem to be a new way to defraud the public.IF this is bank of america's new way to make money then they all nee to be jailed from the top C.E.O. to the lowest clerk who CLAIMED to only be doing there job .THEY ALL KNOW RIGHT FROM WRONG AND IT ISNT IF THEY DIDNT KNOW EXALTY KNOW WHAT THEY WERE DOING. contact your reps in your state and file complaints of lies fraud theft . lets put these crooks behind bars.confiscate there gains.WHAT HAPPENED TO ZERO TOLERENCE ? IS IT ONLY FOR US WORKING PEOPLE?

I have also been had by BofA, I've submitted my docs 3 times, paid my trial payments as they said 6 months and it is still the same, they lost my paperwork and have resubmitted 3 times, this last time I resubmitted all they asked for thru my email and kept copies of all the transactions and emails stating it went to investors, they also stated if I sent payments it would go to a different account and if not approved they would reimburse all the money sent, I also got a none profit company to help out and they spoke with bofa and said I do qualify after I was also told on the phone I did not qualify, someone has to put a stop to this. I have sent emails and phone calls to this same person and is not replying to any, so far I've not gotten any calls from their home retention department for money after someone from bofa said money was going elsewere.

I have a question, Bank Of America is the servicer for Freddie Mac, you have an arm, and upside down, your husband is working self employment and you get retirement, we are of age 65, you get turned down for HUD after 2 years of going through paperwork and waiting, and then Bank of America offers to renegotiate after and you go through the process again for 6 months to get a different loan called in house loan where they will get the investor, Bank of America turns you down and says you don’t make enough money and they put you in foreclosure. How do you explain this?
We were with HAMP for 2 years every month they would change the processing papers, they turned us down. struggeling to keep our payments. We have been making our payment on an arm, but now Bank of America is saying we have to make double. Than Bank of America is trying to get us a loan on forbearance. Each week is something different. Bank of America will not take any payments now, and saying we are in foreclosure, even though the representatives in Bank of America says it is preforeclosure. My husband is a Vietnam Veteran, he is a tile contractor, he is 67 years old, he gets retirement. How can we save our home and show that we can make the payments. Its the arm that destroyed us. With a diffetent type of loan we can do this, , we have the money to make payments, he's still working and thats a miracle here in California.

Hello all, I am one of the many Americans trying to go through this modification process. I have been trying for over a year and the only thing that Bank of America has done is make my monthly payments go up. They have "lost" my paperwork several times and have had me resubmit everything over and over again. Further they have lied time and again saying they have sent paperwork or that they would return phone calls.

I am currently working with Mike Holfeld at channel 6 news, Orlando. If you too are a victim of Bank of America's, or any bank's, miss management of your modification please contact the problems solvers either by e-mail problemsolvers@mycfnow.com or phone [protected]. Let them know that you want your voice to be heard. That you will not sit quietly by while they take your money and your home.

If you need help ask for Mike Holfeld
problemsolvers@mycfnow.com
phone [protected].

I'm not the only one
http://www.jimsoffice.org/?p=37
http://www.afscanhelp.com/blog/2010/6/bank-america-lost-our-paperwork.cfm
http://www.huffingtonpost.com/2010/06/02/bank-of-america-executive_n_597587.html
http://bravenewfilms.org/blog/?p=70772

Yes I am going through this scam now. I made my final trial payment due April 1, 2010 last week, and now they are sending default letters and asking me to pay more than was agreed upon. They are now telling me to wait another 6 months for a decision. What are they going to see in 6 months that they can't see today. Oh, I know. "Your debt ratio is too high for a modification." I could have walked away last year when I lost my job, but believing the modification scam was legitimate I sunk another 10K into my home leveraging my then perfect credit. My house is worth half of what I paid as the neighborhood is littered with foreclosures. Had they modified my loan as promised I would be able to keep my home and pay off all of my creditors. I am now considering talking to an attorney before I make my next payment. Bank of America is well aware of their unethical behavior and they are dragging this process out to bleed the home owner and tax payer until it makes sense to short sale the property or foreclose. Buyer Beware of Bank of America

We have been trying to get our loan modified for about 8 months now. My husband lost his job and this was our only hope. So, Bank of America told us they would review our information and this could take months. Every time we would call to check the status we would talk to a different person who would say something completely different than the last. One person couldn't find our info that we faxed in, then the next person had it, but not all of it...then we faxed it in once again...then we were told that it would take some time, so in the meantime we should not send in any money because our loan would be frozen while in review. Then we were denied. Then told to resend our info and try for a new program...then they lost our stuff AGAIN...then we didn't qualify because my husband was out of work (wait a minute, isn't that what the whole point is, to help peolple who need help?) Then, they said to apply again and I got to talk to someone in India who told me that I should start making my mortgage payments and as long as we did that and tried to pay a little extra to catch up that we could not lose our home. So we cancelled our cable, cell phones, borrowed money from family and started to send it in, only to find that they sent our money back to us and said if we do not send in the full amount owed not to bother to send any, but my husband should go work at MCDONALDS and then maybe we could get a loan modification. ARE YOU KIDDING ME? They said we would get it if we lowered all of our monthly spending as much as we can and we did that only to be denied again. So, it is obvious that this bank is a bunch of scam artists and I WILL NOT GIVE UP MINE AND MY CHILDREN'S HOME NO MATTER WHAT AND I WILL NOT STOP UNTIL I SEE JUSTICE FOR MY FAMILY AND ALL OF THE OTHERS WHO HAVE THE SAME STORY (and there are many many more people from what i have been reading!)

I am calling on a class action law suit on Bank of America for their unprofessional business practices. Please join me! You can visit my page at http://www.facebook.com/topic.php?topic=167&post=338&uid=129229360432054#!/group.php?gid=129229360432054
or call me at [protected].

I'm still struggling with this company and my short sale after more than a year and a half. We have to make them accountable!

Thank you!
ZeeZee Bradshaw

It's not only Bank of America. I'm having trouble with Wachovia/Wells Fargo, too. In fact, I have a first and second with Wachovia, but they will not communicate with each other to approve the short sale. I have been in the process since Apr. 2009, received a contract in July 2009, and received approval from the first mortgage on Nov. 4th, 2009. However, the first did not negotiate with the second, so I have had to start the process from scratch with the second mortgage. In the meantime, the approval from the first expired 30 days after approval, so I have to go back to them for an extension. The poor buyers have been through the wringer, but I have no control over the hap-hazard way this process is being handled. In the meantime, late fees and penalties accrue for non-payment of the mortgage. It's a crock!

We started a refi. in May, and have yet to close. We more than qualify, have a high income, excellect credit score, and a long positive history with B of A. They couldn't ask for a better qualified customer. Yet, we have been given the run around. Constantly asked for the same info., from numerous people that we speak to only once. There is absolutely NO chain of command. The left foot doesn't know what the right foot is doing. It has caused huge stress and frustration. Then they have the nerve to send out an inexperienced, unqualified appraiser who shot our property value down with numerous descrepencies and misinformation. I mean, how do you miss a bathroom or a fireplace, etc... Bank of America has been a huge dissappointment. It means nothing anymore to earn a great income, have great credit and payment history and be a long standing client (23 years). They should be ashamed to call themselves Bank of AMERICA. They should be called Bank of take um for a ride. Its been a pretty awful right. Suzanne S. california

If you think that Bank of America is going to refinance your loan for a lower interest rate you are dreaming. Dealing with these liars and thieves as been on of the worst banking experiences I've endured.
They will find any reason to deny your request because they all share in bonus for the amount of loans they deny. They are a bunch of cons and you can't believe a works they say.
The office in Beaverton, Oregon is a bunch of buddies that cover for each other. They will lie to you and then treat you like a criminal for calling them out on it.
It's a scam to get more money out of you. You will be out at least $465.00 for the appraisal...another scam.
Ethics and honesty do not exist at the Bank of America in Beaverton, Oregon!

When I think of Brian Moynihan or Barabra Desoer, I think of the song by John Lennon called Piggies:
So if it walks like a piggy, talks like a piggy, by golly it’s a PIGGY!
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WHERE IS MY LOAN MODIFICATION BANK OF DESTROYING AMERICA!
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BofA and it’s CEO Brian Moynihan reminds me of that song by John Lennon and George Harrison titled "Piggies" I invite you to listen to this song on youtube and see if it appropriately fits.
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http://www.youtube.com/watch?v=ovD9rTzs2q4&feature=player_embedded
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Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.
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Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.
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In their ties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.
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Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.
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When I filed my lawsuit against Bank of America, I thought of the many others out there in the same situation. It was then that we decided to educate the public on what these piggy banks are doing, as well as unite us all together as one voice. Please help me turn this David vs. Goliath modification process, into a Goliath vs. Goliath.
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Please stand with me and Brookstone Law Firm, and send an email to Bank of Abusing America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods.
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So please send your email directly to Bank of America and include the following:
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1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email “I support John Wright vs. BofA Lawsuit!”
4. Please send a copy of your email to piggybankblog@earthlink.net
5. Please send your email to BofA CEO Brian Moynihan:
brian.t.moynihan@bankofamerica.com
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I HAVE HAD ENOUGH AND I AM FIGHTING BACK!
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I have created piggybankblog.com for all of those who have been abused by Bank of Destroying Americas potentially irregular, fraudulent and simply abusive home loan modification process.
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Divided we might have fell America. UNITED WE MUST STAND!
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http://www.youtube.com/watch?v=PoOJMr7OJ0s
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My name is John Wright AND I AM FIGHTING BACK!
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John Wright
piggybankblog.com

Hi All, my name is Mr. Balance and I worked as a teller at a BoA banking center in southwest Virginia for 10 months.

I recently discovered this site on accident and read many (but not nearly all) posts. It was kind of nice to see some of the other stories and perspectives told from the point of view of the customers and other employees of the bank. It was nice to see that a lot of the bad things I went through as a Bank of America teller were not strictly limited to my particular branch. However, I have my own story to tell about working at such a poorly managed, madhouse of a bank.

When I say madhouse, I really do mean it. From my very first day as a teller to the last, our banking center was always (as they say in Top Gun) "run by the seat of it's pants." There was never a time when people weren't waiting an hour minimum in line to see a personal banker. There never a time in which managers were really ever happy with the number of "referrals" we were getting. Nor was there a time when customers would cease to get extremely angry with us.

I would usually show up around #### in the morning to be a part of the opening procedures. It never failed to amaze me how so many people could screw up the opening procedures (most of these people worked there much longer than me). Luckily, the only time BCR ever came to watch us, I was there bright and early to do the procedures correctly.

From the very moment I would step into the banking center to the very moment I left I was a BoA selling utensil. I was strongly directed to get what they called "referrals." Referrals are given when a teller creates an open dialogue with the customer convincing him/her that he/she needs another one of our products (i.e. credit card, extra account DDA or SAV, CD, mortgage, HELOCs, ... anything). My goal was 40 a month as a fulltime teller.

40 a month, no problem right? Uhhhh, it was more like trying to convince a room full of radical Islamic militants to convert to Judaism (and I'm not even Jewish!). But seriously though, I was supposed to get all these people to sit down with personal bankers on the spot so they could then sign up for new accounts, get credit cards and all that in the breif 2-3 minutes they were in front of me (and 80% of the time I worked the drive-thru) without a problem. I quickly found out that customers never physically went to the bank to hear me make referral attempts on them.

Most of my referrals I had to trick the customer into. For example, we used to always get these credit card offers that would spontaneously "pop-up" at me during a transaction I was performing for a customer. I was encouraged to widen my eyes, bulge my smile, jump up for joy and say...

"congradulations Mr. So-and-So you've just been awarded a Power Rewards Visa! I think you'll find the low rate of prime (which would usually be around 7-8% as a conservative estimate) + 3.99 to be a great rate (those are CRAP rates)! Plus, for every dollar you spend you get a point that you can use to buy all sorts of crap you don't need in this Visa "Rewards" catalogue. So what do you say Mr. So-and-So, is it alright with you for me to send this directly to your mailing address!? All you have to do is activate the card once you get it!"

However, they would always say no when I said it like that (I didn't include the part about the "crap you don't need"). So a buddy of mine and I started to get them by saying things like, "just to let you know this Power Rewards Visa is being mailed to your address to (insert random address here) is this the correct address?" They would usually reply by saying something like, "uhhhh, huh? Ok, I guess, sure, " which would provide us tellers enough justification to click the accept option on those evil credit card offer pop-ups. My two managers both congradulated us on such trickery when we pulled it off!

I'll never forget the time when I was working a BOFASUX and close to closing time a customer was making small talk with a fellow teller of mine and when she mentioned that she just got a new job (as a grocery store cashier) the teller said immediately, "oh, then you need a savings account!" at which the girl said, "no, I don't really want one, ..." but the teller persisted, and told the girl "well, you need one, so hold on for a second I'm going to sit you down with somebody." AND IT ACTUALLY WORKED! That girl let herself be taken away to sit down and open the saving account she didn't need. Maybe because the teller was older and had a very northern-style aggressive personality that got the calm quiet southern girl to submit, and actually get caught up in the "referring" process. What went through my mind at that moment was me realizing that that girl is probably going to get hit with a bunch of monthly maintenance fees because she wont have the minimum balance in her savings account required to avoid the fees. and that it wasen't that the teller was genuinely concerned for the girls financial future, but that she was just trying to keep up with her referring quota to meet her months goals since she was down on referrals at the end of that month.

I was a robot. A selling device that was supposed to stand there and refer products of BoA all day with a smile on my face. None of our customers needed any extra products... there were only a very few occasions where I actually felt good about a referral, that it WAS the right thing for the customer. The rest were me taking advantage of customers to meet my referral quota.

Most of our customer's needs revolved around changing their addresses, and ordering new debit cards. Both things of which I KNEW HOW to do, but was simply NOT ALLOWED to do. Seriously, I knew exactly where in Merlin to go to change the address and/or order somebody a new debit card. However, my manager (and this was seriously irresponsible on her part) would not grant me the authority to do these things because in PRO (policy reference online) it said that "service issues" were not be done by personal bankers and managers, NOT tellers (ad nauseum). Seriously, the computer gave me a message that said, User Not Authorized when I tried to go in and perform these services for customers. And almost all the other tellers were given access for this. Simply frustrating to a college educated, healthy, and smart person like myself to be treated like I was a little girl who needed her hand held, while they combed my hair and sung me lullaby songs.

The lines to see the personal bankers were rediculously long. It simply took TOO LONG for someone to see one of them. I remember during one of our meetings we were talking about customer delight. I mentioned the fact that a lot of customers get upset because when they call the bank and leave messages for the personal bankers, they were not getting called back! (and these WERE problems that tellers could not fix! Problems with the mortgage, the line of credit, or simply unbelievably complex situations that only a personal banker could fix). Management fussed and hissed at the tellers because they thought that all these phone calls we were getting were problems that tellers were able to fix! YEAH RIGHT! YOU WONT EVEN GIVE ME AUTHORITY TO CHANGE AN ADDRESS! When I brought that up at the meeting mentioned above the response from personal banker #1 was "well we can't, were busy!" Oh ok, my bad, I should just explain to the customer on the phone that we can't solve their problems right now because the personal bankers are busy! that'll work. I would give them the customer service hotline number but most of them had already tried that, and ended up speaking to a bunch of electronic voice recordings in an endless array of options that have nothing to do with the customer's current problem or situation.

Customers would get pissed because if they didn't have an account and wanted to cash checks drawn off BoA I had to have two ID's and a thumb print, and charge them $5 in most cases. Of the two ID's, they would not accept social security cards, or even birth certificates for Christ's sake. People who were working for temp. agencies, not making BARELY any money, and many of whom had children, were being charged $5 and being put through the humiliating process of being ID'd twice, and giving a thumb print just to cash checks for a little over one hundred dollars. I'll never forget the time when a handicapped man came into the bank and presented a check drawn off BoA that he wanted to be cashed, but when all he had was his drivers license, his social security card, and his birth certificate, he could not cash his check because those form of ID were not on the official acceptable ID list. The assistant manager had this list in her hand and began to read off the list to this poor man, who simply had to leave without getting his check cashed. The man was handicapped but we couldn't make an exeption.

Customers would overdraw their account one time, and the MerlinTeller system made me process a hold on their checks for the next 6 months. The check holds really pissed me off. And they really pissed the customers off. I mean, how was a customer supposed to get back on their feet financially when all their deposits were being held SO LONG! I had friends of mine that owned small businesses (HedzWay, and a local construction company/partnership) that would come in all the time to deposit business funds, but they would be held. Nobody would override the holds for me either. A couple of times, I told the computer that the checks were cashier's checks so that they would not be held. It was absolutely rediculous.

The ATM frequently broke down. As did our MerlinTeller stations at times. The phone rang off the hook constantly, and when we answered it, they ALWAYS wanted to speak to one person, our personal banker who had worked there for like, 25 years. The only person in my branch who really knew what they were doing. I felt sorry for her sometimes and tried to arrange her messages neatly and promptly.

The branch was seriously poorly managed. My manager never really worked a full Monday through Friday without taking AT LEAST ONE day off that week, and she rarely ever had to work weekends. She frequently complained about customers that bugged her, and about working so hard, not realizing that at the time I was working two jobs (the other one washing dishes at a local night-spot) at an average of 56 hours a week. And she wasen't the only one. I was one of two full time tellers at the time who really knew what it meant to work "hard" for BoA. I'll never forget those dreadful three weeks when the other full time teller lady had to undergo surgery, leaving me and another part time teller who was barely equipped to handle a busy drive-thru at that point to handle all the customers. JUST TWO TELLERS! One for the front (me) and the other working drive-thru. Needless to say I pulled it off and worked hard to pick up the slack, while serving an ocean of customers by myself, training and helping answer questions for this new teller along the way. My efforts were breifly mentioned in passing during one of our morning "huddles" we used to have.

Those huddles were rediculous! Our assistant manager (picture Marsha Brady at the age of 40 smoking Bank of America crack out of a Bank of America crack pipe!) made us go around in a circle telling the group what we were going to do different to get referrals that day. She would always pass out these STUPID teller "check out" BOFASUX that involved us writing our names on it, writing a question we have (we HAD to have a question) and 3 things we were going to do different the next day to get referrals. Most of the time, by the end of the day, even she was so ready to get out of the "madhouse" bank that she didn't collect them. And when we did, she glanced at them, and probably put them in the trash can. They were useless. Our assistant manager was so annoying that one day she had to be put in her place by the manager (those she was no better really) to stop harrassing the tellers about textbook "best-practices" and referral hounding. She got really quiet for like, two weeks after that. It was weird. But by this point, the working environment at the branch had turned really toxic anyway.

For every problem we had, management had to create a BIG grand solution to it! One day, when a customer walked out of the bank who was looking to invest about $10, 000 dollars into a CD but didn't because she never got a call back (remember what I said about this above) so went to another bank our manager decided she needed to call a mid-day "huddle" or as she liked to call them "coaching" session (coaching was her word for rudely and humiliatingly calling out others mistakes). I always took very concise and poignant messages for the personal bankers. They chose deliberately not to call these customers back. But when that happened management decided to assign an official, "message holder" with all the personal banker's names assigned to an area where messages could be put. She made it abundantly clear that this was our fault. We had failed to take a message from the phone customer, and if we did, we forgot to give the message to the appropriate customer. This is no way was a result of the personal banker choosing not to call the customer back on the neatly conscribed message I would write for them. Irresponsible.

And when customer delight started to go way down (which was the result of increasing fees of all types, poor service from BoA employees, and overall very sloppy management) the BIG grand solution was to arrange a day in which everybody would show up early so that we could take color-markers and poster boards to make these posters around the themes of "college students, " "drive-thru customers, " "in-state customers, " "out-of-state customers, " etc, etc, etc. We made these rediculous posters for what was going to be called "customer appreciation week" in which we were to hand out drinks, display these posters, give flowers, etc. etc. etc. It was the most rediculous idea I've ever been involved in ever in my entire professional life as an employee of any company i've worked for. Customer delight was not going to increase simply because we drew up some colored posters and handed out carnation flowers for a week. The customers were pissed because Bank of America is a tangled bureaucratic mob of stressed out employees, angry customers, and careerist managers that didn't really have to do any real work. The company is so large that they have begun to lose sight of the original purpose. There were so many nitpicky rules we had to follow as a teller that it made it nearly impossible to conduct normal banking transactions without creating many more problems than the situations were worth. It was hellish trying to do things by the rules and at the same time provide the customer with world-class customer service. There were so many times I had to turn a customer away for something COMPLETELY MENIAL AND STUPID, for checks not even barely over $100 dollars.

Bank of America is a greedy organization run by people who only see customers for what they can get out of them (i.e. the whole referral process) and not as human beings. They will stick you with fees as quickly and as often as they can and not think twice about it. They have a very organized system of finding ways to blame the customer for everything. Nothing is every the Bank's fault. They treat their employees like robotic drones ready to sell products customers dont' need at a moments notice. It is a wonder to me why Bank of America has any customers at all.

For all of you out there who will tell me, "if you don't like it so much, why don't you just quit!" I did. I am now working as a recruiter for a highly successful defense contractor making more than twice the amount I was paid as a teller (which was a mere $9 an hour), and a generous benefits package. And for those of you who say, "why are you badmouthing your employer and fellow employees when you probably made a lot of mistakes yourself!" I admit it. I made a lot of mistakes and I took part in all of the poor service that I described above. I am/was part of the evil. And for those of you who say, "what did you expect it to be, a cakewalk?!" No, but I am glad that I went through this experience working at Bank of America because I learned so much about working in an office atmosphere that I was highly prepared and successful when I arrived at my new job. I currently thrive in my current office atmosphere. And I learned a lot about myself during this time. I learned an awful lot about the way the world works. I also learned that I will never, ever, have anything to do with Bank of America in any way shape or form in the future for as long as I live. I am not an argumentative person and I did not write this post to argue with some of you who I know will post rebuttles to this posting. I simply told the story the way I lived it and there is nothing you or anybody else can do to change my mind about Bank of America. I know as an insider a lot of the shady dealings, and poorly mis-managed practices this company engages in. I am just glad I am no longer part of it.

Thank you for reading this and have a great day!

Mr. Balance

we were refinancing as well. Tons, of problems. The last straw was after receiveing an appraisal, I was told we needed to have a structural engineer come see the property. My loan is already with Bank of America, I just wanted to pay more down and get a better rate. the manager told me that it was because the appriasal was marked subject to instead of as is. My appriasal was in fact marked as is, (did they forget they had already sent me the appraisal) I called the appraiser and she told me BAC hounded her until she changed it to subject to (an engineer report). Well I ordered a report, gee the foundation is fine. now BAC won't answer my emails. I have no idea what their problem is now. I asked for a supervisor's name and no response to that either. I truly hate this company.

It is December 2010, and it hasn't gotten better. our refi has been in a holding pattern since the summer. speaking with someone is hit or miss. one person, as if to imply we are too pushy, sternly reminded us that we are not his only customer. i guess the problem is we don't know our place.

I actually have secretly taped BofA training seminar tapes that tell the story. Apparently, the Obama administration wanted HAMP released for political reasons, and did not care that the banks were not able to process the requests at the time. Basically, BofA is only the servicer in most cases, while Fannie and Freddie (The Govt.) are the boss.

You can hear these secretly recorded tapes where they blame the Obama administration here:

http://www.piggybankblog.com/2010/09/03/bofa-taped-evidenc/

My name is John Wright and I AM FIGHTING BACK!

John Wright
piggybankblog.com

ank of America is the worse bank ever, they totally ignore the Obama Making Home Affordable Program and they do care about we the poor people.
I hate them, their customer service system sucks...no matter how qualify you are is like they want you to still pay what you owe.
President Obama put this plan in motion for all the banks to help us, but he didn't even look back to make sure the banks are doing what they was told to do to help up and expect us to vote for him again come 2012, hell n0. I never ever vote in my life and I never will... If someone in congress had check to see whats going on with the banks people would be able to keep their homes and BANK OF AMERICA WOULD BE CLOSED.

Bank of America is the worse bank ever, they totally ignore the Obama Making Home Affordable Program and they do care about we the poor people.
I hate them, their customer service system sucks...no matter how qualify you are is like they want you to still pay what you owe.
President Obama put this plan in motion for all the banks to help us, but he didn't even look back to make sure the banks are doing what they was told to do to help up and expect us to vote for him again come 2012, hell n0. I never ever vote in my life and I never will... If someone in congress had check to see whats going on with the banks people would be able to keep their homes and BANK OF AMERICA WOULD BE CLOSED.

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

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

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

Wow. You clearly have no idea how credit cards work. Your APR is a % of your balance not a % of your minimum amount due. And if you have too many bills compared to your monthly income you won't qualify for any hardship program because it is going to look like you can't afford it. Oh, I guess it's people like you that borrow money you can't afford to pay back creating a "hardship" for the bank, right?

They were in hardship because they were loaning money to people that didn't pay them back.

I purchased a home on June 15, 2010. My loan was then transferred to BOA, who unfortunately purchased our mortgage from our original lender. Per our contract we were to receive our first disbursement no later than 30 days after closing on July 15, 2010. BOA purchased the mortgage on June 16, 2010. We were then told that we would need to contact BOA for our disbursements and to pay our mortgage to them directly, our first payment being due August 1, 2010. I began contacting BOA immediately. Upon calling BOA initially they did not even have any of our information on file, nothing! I persisted and called weekly by week two they had the address and account number set up, but explained they were waiting for the complete file from our previous lenders. At this point I was understanding. Until they continued to give me the same excuses every time I called. I even contact the original lender who confirmed all information and files had been sent to BOA. Our previous lenders even contacted BOA, it was not until this point that BOA stated they had our complete file. Then they had to wait for verification of vendor codes. It was one thing after another. After calling every single week for two months we finally received our INITIAL disbursement. This was a around August 10 or so. We then had to contact BOA AGAIN to receive paper work on how the entire process works, they did not even send any documents! Only the mortgage statement of course!The work on our house was completed by August 27, 2010. The final invoices and letter of completion, etc. were sent in and received by BOA on August 30, 2010. The next step was to have the house inspected. We again called BOA who has once to contact us during this entire process, in order to set up an inspection. The woman who was inspecting out home FINALLY contacted us and came out to inspect our house around September 16, 2010. Being use to having to call BOA in order for anything to be accomplished, we called yet again and they had yet to receive the inspection report which they state would take 3 to for business days! They had nerve to ask us to contact the inspector, which I explained was not my job and that I should not have to even call BOA for them to request the report from the inspector in the first place! The inspector finally sent her report in on October 1, 2010 which again is well over BOA's expected timeframe listed in the documents they provided us with. It is October 13 and we have still been contacting BOA on a more daily basis now. We even contacted them to request the final title search as they had not even done that once they received the inspection report! It is very sad that I have to call and remind a large Company like BOA to do their job! It is ridiculous really. This is suppose to take only 10 to 14 business days, which would have been well over if they would have contacted the inspector instead of waiting for us to call. As of today our contractor is threatening to place a lien on our home do to not receiving the final payment. I am able to contact BOA's 203k department, however they always come up with a new excuse as to why the final disbursement cannot be sent out! I am sure even when it is I will still have to contact them regarding the interest that is to be credited back to our mortgage based on the amount of time we have had to wait. This is a never ending battle that should not even be occurring. I would never recommend BOA to anyone! Not even my worst enemy! DO NOT TAKE A HOME LOAN WITH BOA IF YOU CAN AVOID IT! We however were "forced" into it.

I am a General Contractor that had the misfortune of getting involved with 4 of these 203K loans. All 4 came in at the same time or after the first one I would have never done another one. Everyone of them the first check was 90 days after closing, so here are people that per there contract they have to move in to there home but can not get supplies or materials to start. Then the worst part is after completing the work, invoicing, owner returning final forms and having the final inspection by the appraiser ALL for took another 90 days to get paid on. One of them a supplier filed a lien since they had not been paid due to Bank of America taking so long to pay. Since a lien was filed BofA would not release the final check to pay them because of the lien that had been filed for non payment. I can really start to make your head hurt. EVERYONE PLEASE WARN ALL FRIENDS AND FAMILY NOT TO GET INVOLVED IN A 203K LOAN!

Escrow closed in August of 2009 for me. In September of 2009 I received a letter with a check that Bank of America had purchased my loan. It is now February 24, 2010 and I am still waiting for my final disbursement. I have had to pay contractors with savings, and tax returns and still owe them money. I have over two months of logged calls to them. I have threatened suing, i have told them the contractors have threatened liens. Which they did, thats when I started making payments. I threatened not to pay my house payment so i could pay the contractors and they said we would be responsible for all incoured charges. Bank of America is not interested in helping you. They are above the contracts that have been signed. I am on board with a class action. Good luck to anybody who falls into the hands of Bank of America!

Don't worry there are more people than just you out there in the same boat, I too am in that same position. I even have a lawyer trying to get in touch with them and runs runs into the same problems I had, funny huh? We have both emailed and phoned tried sevferal different phone numbers and extensions. I had even gotten the supposed supervisors numbers and email addresses and nothing works. I think there should be a law firm out there somewhere willing to take this on as a class action suit. there are dealing with fedral money and have guidelines to follow, and if they do not pay us there aree supposed to apply the difference to the pricipal of the loan and that has not happended either, I talked to the refi dept about refiing the loan hoping they would apply the monies owed and was promptly told that my house lost over 33% in just a few short months and they could not refi me. Sounds strange does it when I had an appraisal done that seemed not to be the case, however until they apply the monies to loan or pay me to pay the contact the file is considered open and no one will refi me. Spoke to 4 other people about it. this sucks. I wonder if I wll get any of the money that they will owe me for intrest on the difference of the balance of my mortgage?!

I am sure, The problem is they can't read! My insurance company sends a monthley statement, to remind me of the payment due date. BOA receives the same thing. They read it as a canceled, which nowhere in the statement is that stated. So its a trip or call each month to the Insurance company to fax the Declaration. However BOA has it in a mailing cycle which lasts three months. (Must cost thousands to do this each month.) My agent say this happens a lot..Also if they wanted to insure every one you would think it would be competitive wiith the cost they are in that position. Heck no lets steal a little money with an over charge nthats legal.

My prior mortgage was with BofA, and I refinanced with them, took from February to May to complete. My first payment was due 7/1/09, and I received a new payment book in August; My monthly payment, with escrow, was $1100 before the re-financing at a much lower rate. The "new" payment book was for $1, 900 a month!

Long story short, they received my tax bill for "summer taxes" and assumed the annual taxes must be twice that. However, the summer bill is for the entire annual amount. They had recalculated my escrow account based on an erroneous assumption.

Recommend you verify your tax bills, home insurance bill, and anything else in escrow with the party that does the billing. It took me two MONTHS to get this right, and I used the title company that handled the refinancing. During that two months I received FOUR new monthly payment books! They kept re-doing the enscrow, with incorrect amounts or assumptions. The employee at the title company was VERY helpful and had actual "names" of people to deal with instead of 800 numbers.

Just an FYI: the more informed you are, the better the result you will get. According to the Office of the Controller of Currency (the dept that oversees banks): http://www.occ.treas.gov/
mortgage companies are limited to having a balance of only two times your monthly escrow. They have a link on their website to file complaints.

Good luck.

Debbie! You are certainly not alone. They did the exact same thing to me last year. In fact, I nearly lost my home because the local Treasury stated that my property tax was past due in 2008. After days of long phone calls (placed on hold), I finally got a response from BoA's investigation department. Supposedly, they claimed that the TAX ID address was wrong, and that was the problem. They supposedly sent money for my property tax in the amount of $1, 2oo dollars (give or take) for property that doesn't exist. It didn't exist because the "city" was wrong; the address and zip code were right. Here's the strangest part. The local Tax Office claimed that they never received the payment, yet BoA insisted that the check was cashed. They finally paid the amount, but they took the money from this years ESCROW, which is now in negative balance. A $200 dollar fee was added for being late on last years property tax paid in November, and instead of BoA forking up the bill, they charged me.

They then paid 2009's Property Tax, but never returned what was overpaid for 2008, thus leaving my ESCROW negative.

I'm paying BoA $938 dollars a month (almost $12, 000 annually), and according to their report, my 2009 interest payment was roughly $8, 082.31 dollars. OK, so about $589 went to home owners insurance, and according to the local Treasury report for 2009, $755 went to state property taxes. That's a total of $1, 344.00 dollars in total Tax/Insurance payments for 2009. My annual total Mortgage payment is payments sent to BoA was $11, 732.16. Let's do some simple math.

Mortgage Payments = $11, 732.16
Total Tax/Insurance = $1, 344.00
Total Interest deduct = $8, 082.31

My balance should be $2305.85, which would have been nice if they applied that to my principal. Unfortunately, because BoA never sends me a monthly bank statement, and it's nearly impossible to establish an on-line account (need a pass code which I've yet to receive), I do not have a clue what my actual balance is. Last I checked back in October 2008, my balance was $132, 000 from an original $135, 00.00; a difference of about $3, 000 dollars.

Now my point is currently my ESCROW is being reported as -$968! That's NEGATIVE $968 dollars, which according to my figures above, SHOULD NOT EVEN BE!

Conclusion folks! Watch out for BoA and other similar thieves. They're stealing money from ESCROW and using it to store up their own profits. On top of that, they're reporting negative balances in order to place your mortgage into default. They'll demand the negative balance, and refusal could result in foreclosure!

I'm seeing this sort of thing happen to a lot of people!

Stand up folks!

Joseph from SC

TO THE ANNON: Let me say this you must not care whether or not a man is married. Thats your fault. You cannot be pissed at him, you got yourself in this situation then you need to learn how to get out. Do you believe in Jesus, you are a fornicator.If a man or woman is not fully divorced in everyones eyes that person is married. You must have a very low self esteem just like this Kevin Blount. You know what maybe both of you deserve each other. You are mad after the fact you didnt know this person sleeps around. You pretty much sound the same. This man is considered adulterer.

I had an affair with Kevin Blount, he told me him and his wife are separated, come to think they were not separated at that time. He actually lied to me. What I really found out he was telling everyone here at Countrywide how his wife is this and that, the truth is Kevin was lying all that time so everyone (all the women) will feel sorry for him. He is a porn addict he loves to watch dirty videos and always on porn sites. He doesnt care how any one look, he is straight sorry. I hate him to this day as he infected me with STD. What goes around comes around. He is good in talking women out so they will believe him. He is dirty filthy and straight disgusting person, I dont even want to call him human being as he is such an animal. Trust me he is disgusting.

This is a huge company and I think they were recently bought out by Bank of America. If this is a problem, someone needs to take this to HR dept. Thats the issue now a days is people having relationship with each other in work places. There shoudl be an investigation done to this person. I think this person grew up wih no family of love, usually they look to others to find that, they crave for attention. Its very sad. I bet if you really look at this guys family background, theres nothing there. A gentleman should respect their wives no matter what, especially if theres children involve, not only this guy ruined the marriage but also the childrens lives, as to mention on the above complaint this guy went to jail for family violence, that right there should tell you. This person should stay in jail, need to learn his lessson. "Kevin Blount whoever and wherever you are wake up smell that coffee you ruined your family". To the wife and kids Im sorry this happened hope one day he will wake up.

KEVIN BLOUNT-WHY ARE YOU STILL WORKING AT COUNTRYWIDE? MAYBE YOU NEED TO THINK ABOUT CHANGING CAREERS, MAYBE "ESCORT SERVICE". BETTER YET GET YOURSELF TREATED. THIS MAKES ME SICK TO MY STOMACH.