Bank of America
Reviews and Complaints

countrywide is playing games with all there customers thats what they do. they are being sued by everyone so the more houses they get they use is to pay off the investeer who is sueing them.

I have read web pages that former employees said there all about taking your home nothing eles they dont care what happens. If the news is right countrywide cant not pay out all there law suits. in time they will get theres.

The exact thing just happened to me tonight with my BofA atm debit card, even though thousands of dollars were in the bank. I was away from home about 14 hours with a blocked debit card.

Vicki,

I forgot to sign my name in the above post,

A. Thornton

Ms. Miller,

I'm not a lawyer by any means, however, I do want to reach out to you and help you however I can. First, let me say that I agree with your complaints regarding Countrywide's criminal and unethical practices. We also, have been financially damaged by them. To name a few, they did a classic bait and switch to our refinance loan; we were promised in writing a credit come back loan, yet we found out after the fact that they locked us into a sub prime 2 year hybrid libor adjustable rate loan, they falsified information on documents, did not provide us with a copy of a good faith estimate and truth in lending prior to closing, several inconsistencies between the loan application and the final documents, draggin the refinance over a 4 month period despite me providing all the documentation that they require at the first visit, pulling 4 "hard" credit reports as a result of their dragging their feet, lost payment. They also verbally promised us that we could refinance to a better loan at a fixed rate 6 months from refinancing. We received harassing phone calls several times during the day and night, even on Sunday mornings saying that we were late on payments despite me holding copies of my receipts and canceled checks written out to them. And the list goes on...

I refused to tolerate their abuse and took matters into my own hands when customer service started to give me the run around. I filed complaints and sent in all the required documents with the Office of the President (Countrywide), Federal Trade Commission, New Mexico State Attorney General Office, and the New Mexico State Licensing and Regulation for Financial Institution's departments. I also went personally to see CEO of my local credit union and also with the mortgage specialist at my local bank with all my documents to see about refinancing with them and bring my loan local.

Something that is not made public is that magical number [protected]/[protected] ext. 6441. I raised hell and demanded to speak to the CEO. Of course he's always busy, so I was passed off to one of the first vice-presidents. He told me that either he would try to get help for me through the Work-Out program, or try to refinance. Because this process is taking too long to resolve, it prompted me to file complaints with the other law agencies.

I have not heard back from the FTC to date. When I spoke with the NMAg, they were very interested in my complaint and stated that they have received several complaints against Countrywide and other lending institutions regarding predatory lending practices. I was dissatisfied with the response from the regulations department and was advised from the NMAg's office to send in an amended complaint with additional documents. I was referred to a couple of law firms in Santa Fe. Both of them wanted to take the case, however, they wanted a retainer of $4500.00. I had to pass it up since I cannot provide the retainer due to financial setbacks recently.

The CEO and mortgage specialist both reviewed all my documents and first advised me that they are not lawyers and cannot give legal advise. However, they also agreed that there were several inconsistencies with all my documents, clear evidence of predatory lending that are violations of lending laws. I am forever grateful for these two individuals that are trying to help me out of this mess.

If I were you, do the following:
1. Go to your bank and/or credit union and let a mortgage specialist review your documents to look for inconsistencies and violations.

2. File an amended complaint with your AG's office, Countrywide's Office of the President, Janis Allen, 6400 Legacy Drive PTX-320, Plano, TX 75024.

3. If you type in the Google search engine "Countrywide complaints, lawsuits, " etc, you will see that there are several states such as California, Florida, New York, Illinois, Virginia, that their AG has filed class action lawsuits. See if there is one in your state and if so, get in contact with the law firm that is doing it.

I hope this helps. Keep your chin up. Know that you are in my prayers and good thoughts.

Vicki,
I feel deeply for your situation, and agree that Countrywide is guilty of many unethical or illegal business practices. Unfortunately for the common American citizen, seeking legal help is not an option when one is doing all that they possibly can as it is to keep up with the mortgage payments. Paying an attorney is not an option.
My husband and I purchased our home in PA back in Nov. 2006. We were first time buyers, and had credit issued in the past. The most severe was a prior bankruptcy. We had managed to raise our credit scores to an decent level, but still hindered by this. We looked into buying a home, and were told that we could qualify even with a bankruptcy. Long story short, we left the NY area into PA ecuase housing and taxes were lower, but could still commute to work. The bank that we dealt with was Sterling National, and everything was done via the phone, fax, or e-mail. Countless documents were signed and filled out up to the day of our closing. We knew that we were going in at higher interest rates due to our tarnished credit, but were told that we could refinance after a year if we remained current on payments. Without tax and ins. included, we were paying $1300.00 per month.
To make a long story short, everything was fine for about 6 months. Then my husband was in a car accident, and totalled hi car. I tried to commute both of us to work, which lasted about a week. He worked in NY, and I worked in Scranton. I was driving about 400 miles a day to get uus to/from work, and the kids were left home alone. I quit my job, and began to searech for a cheap car to purchase. This took about a month, and then I had to look for a job. I found one as a school bus driver, which I had done before, buit the hours were insufficient, so the money coming in was barely paying for gas, utilities, and food.
We fell behind, and would make partial payments so that at least something was being sent. We applied for assistance with PA, which meant going through consumer counseling and an application to request a loan to get us back on our feet. They denied us, as did Countrywide for any sort of assistance. We would get letters saying that they can help, but when you call, are told that credit is shot due to late payments and that nothing can be done. We were told to apply for loan modification, workout, etc. All of the forms get sent, letters written, and then nothing is sent to confirm or deny the assistance. We wre then told that we are in pre-foreclosure.
I finally managed to get into a loan modification program where our monthly payment on our primary loan would increase by about 25.00 and they would bring us current. In teh meantime, a co-worker lent us 4000.00 to catch up, and we had to pay it back with our income tax refunds. I am glad to say that for the last 3 months, we have been current on our primary loan, and only one month behind on our secondary. That is until this month, when they wer finally both paid on time together, no thanks to Countrywide. They take too long to respond, and are too quick to deny.
While looking at my account online, I was startled to see that my June payment, initially recieved on 6/9, was reversed. I have until the 15th to pay before considered delinquent. This payment was then reapplied on 6/30, for less than what I paid, since I sent in an additional 20.00 to go to principal. Then my new statement dsays that I owe a 52.00 late fee. The same happened with my secondary loan. I made the payment, it was reversed, and then reallpied for loan amount, not what I paid. I called several tiomes, was told that I would be transferred, and then disconnected.
Finally spoke to someone in loan modification, who said that this is normal internal procedure, and that no, my payment was not late, to disregard new statement becuase it genertaed before issue internally corrected. I do not belive them, told them so, and afriad that this will not be properly reflected within my credit report. I think they are lying, and do not know what to do. They went back all the way to my March payments. On June 30, all payments on both accts. from March until June were reversed, and then reapplied, but only at the loan amount, not additional dollars that I paid. I do not see why this would be done, and fear that this is unethical or illegal in some way. I was then told by the last person that I spoke with that I had been charged an inspection fee, for every time someone supposedly drove past my property to see if occupied or in good shape while behind. On top of that, I was charged 300.00 for an appraisal fee. I asked then if it is legal to charge these amounts without notifying the consumer, either in writing or verbally, and he never gave me a response. I am sure that they could have checked with utility company to see if services were on, and I have told them so in all phone conversations. If anything can be done, or if advice can be given about these charges, I would greatly appreciate.

My final thoughts are that I hope that anyone falling behind is somehow able to make it through an dnot lose their home. I know how stressful it is on the entire household, and how easy it is to become discouraged. My family would not even lend me a hand, and it was the kind gesture of a co-worker that pulled us through. I think that otherwise Countrywide could have started the foreclosure proceddings, and we would not have been able to bail out of this mess. I just hope that I will somehow be able to refinance successfully without further digging myself into a hole, since one of our loans are due to be modified in Dec.
Good luck to everyone..

I have been a customer of Bank of America for over 20 years. (rewards card for 10years) I was saving my rewards points hoping to get a great vacation. When I received my rewards card it was never told to me that points expire. I was never told that there were rules associated with the points. After trying to find out how close I was to getting the ultimate vacation I find out that I have been losing points for years. called Bank of America hoping that being a loyal customer all these years would count for something. The associate said that they did not make those decisions but would put in a request to the department that does.

I receive my letter in a couple of weeks that was essentially a NO. You would think being a loyal customer would stand for

something! I would normally whip out my card regularly...not now...I am considering closing out my account with BOA account altogether. I am definitely looking into another card. Do they really think anyone in there right mind would let money go down the drain...smh...

Bank of America is not loyal!

I’m a beginner with accumulating and using (rewards) points. Nevertheless, I must say that my recent experience with redeeming points earn under BankAmericard Travel Rewards left me with a bill of several hundred dollars. I was saddled with this expense -- despite spending approximately 2 hours on the telephone and on-line chat-assistance prior to implementing the transaction to use the points. The information provided by the BankAmericard Travel Rewards chat-assistant, relative to the process of how to redeem earned points, was time consuming and complicated at best, because the chat-assistant was unable to and not familiar enough with the travel rewards process to immediately answer basic procedural questions. Plus the telephone assistance provided/received relative to the dollar-value of earned points was entirely incorrect.

The BankAmericard Travel Rewards Program is complicated, confusing and the only party negatively (financial) impacted from the confusion is the consumer. In this instant -- me.

the same just happen to me and they have announced they changed it back to five years but I missed the cut off date by 1 week I hate BOF

I HATE BANK OF AMERICA! DID THE SAME THING TO ME, EXCEPT I HAD AN EMPLOYEE TRANSFER MY POINTS OVER THE PHONE AND THIS DISCLOSURE WAS NEVER READ TO ME! IT'S MARCH OF 2013 AND THEY STILL DO NOT INCLUDE THIS NOTICE IN THEIR TERMS AND CONDITIONS! CLASS ACTION LAW SUIT IS IN ORDER! THIS BANK USED TO CARE ABOUT ITS MEMBERS AND NOW THEY WASTE YOUR TIME IN AN EFFORT TO STEAL A FEW DOLLARS FROM LONG TERM CUSTOMERS! I HATE BANK OF AMERICA!

Anyone else have a credit card that offers reward a round trip flight 25, 000 points anywhere in the continetal US then when you want to redeem it they tell you its 36, 000, 43, 300, 50, ooo or even 56, 432? Anyone want to form a lawsuit?

I used to have B of A account at the Eastchester branch in High Point, NC but I closed it recently due to their rude manners.
I will never use it again.

I was told by a manager at BOA that if your account is one cent overdrawn at any time they automatically charge $35 insufficient funds fee. The first occurrence of such a fee can be removed. Subsequent fees cannot be removed. Never mind that my automatic payroll deposit posted to the account just an hour or two after the automatic withdrawal posted!

During these tough economic times -- especially after the American tax payer helped bail out BOA --- the bank should allow 24 hours to bring an account current before assessing NSF fees! $35 is a ridiculous amount!

When I complained, the manager stated, "We are a bank and that's just the way it is!" I was told that I have to write a letter with my complaint about their services, and yes, I'm writing the letter!

Bank of America strikes again! Got one of those special Extended Overdraft Balance Fees for my account being 76 CENTS overdrawn! This is the biggest bank scam to hit consumers. We all need to unite and file a class action lawsuit for their unfair business practices!

I have to agree that Bank of america customer service representatives are extremely rude. It took me 9 years almost before I realized that. No matter how nice you try to address them, they will hang up on you before you even say a word. That's why I took my business to TD bank. I do hope one day they go bankrupt.
These sons of a gun placed a hold onto my checking account, talking about my account is pending closure, and I will get a "cash check" for the positive amount on my account mailed out ot me in 15 days. Mind you I had no cash on me, no credit card, my car insurance was due. These heartless people did not care, they didn't remove the hold. I will never do business with bank of America.

I forgot to add that they are the most rude people I have ever dealt with. Especially my local Bank of America here in Aiken, SC. It is the one on Laurens st. They are the one's holding my checks. I even asked the teller why my check deposits were being held and sshe said because the Local Branch Manager requested it! What a ###!

I also have the same problem with BOA charging NSF fee's. They will always hold any check I deposit, including local bank checks. I had a check to deposit for $365.00 from a local bank. When I got my deposit slip back, I saw where they placed a hold on the check. I politely asked for the check back, went and cashed it at the local bank, went back to BOA and made a cash deposit before 1:00pm. They still not show the cash deposit for 24 hrs. I deposited a Northwestern Mutual check for $12, 000.00 on Nov. 14th, 2008. I did some shopping and used my debit card. I didn'd realize they placed a 21 day hold on the check. After 14 days, theydid credit my account $5000.00. The other was deposited 7 days later. Now, either the whole check cleared and they deposited part of it, or it didn't clear for 21 days and as a courtesy, the put the $5000.00 into the account.(haha) Now I have been charged $340.00 for returned check & NSF fees just for this month.
I and my husband are medically retired, living on a fixed income and cannot afford these fee's. It should be illegal to do this. Deposits should not be able to be withheld at the whim of BOA.
Just as soon as I can, I will be moving my account to another bank. It is just a mess because I have direct deposit for my retirement and SS. So does my husband. I just takes the government so long to transfer your money, I am afraid I will be late on some of my bills.

I am fed up with the whole BOA situation. My problems with them are when a transaction pends then hard post to the account a couple of days later all of the sudden its pending again. Prime example In one account there was 20.47 available in the account and nothing pending, no checks out etc and I went to the ATM knowing I get direct deposit the very next morning, took $20.00 from the account. My receipt showed I have .47 cents remaining. Later that day when I looked at my account at work, I noticed the hard posted items became pending again and over drafted the ATM withdrawl for 20.00.

There were two other transactions so lovely bank of america took 35.00 x 3 out of my account. I contacted a local branch and explained and said I need to get these fees reversed and they refused they stated my receipt doesnt say no such of a thing and if I can produce it take it to a branch. So I am going to a branch today to discuss this matter with deaf ears. I think BOA has gotten too big to care about the little people. I think if you are not a 7 figure account holder they could care less. You and I are just another number is the pool and left to drown.

Oh I can't forget this one, I love how they publicize on the internet when you open online there is never a min, no fees etc, but fall below 200.00 and there is a 3.00 maintenance fee every single month. When the account that I appllied for was online and no fees were part of the slogan. There are fees for everything with BOA and I am sure when I go to the branch today, I will be charged a fee for walking in.

Wish there were other banks that we could use that were just as big so when traveling etc you have a bank, but with the monopoly giant buying them all up, guess it really doesnt matter, we will still end up a BOA customer anyways.

I whole heartedly aggree. I have had many of these NSF fees assessed to me even when I had money that was transfered on the same day to cover the negative balances from another BOA account and was not posted on the same day.
I have complainted on deaf ears at BOA.
I don't know why the attorney general hasn't unvestigated BOA yet. I am sure BOA has scammed millions of dollars off its victims like me.

I hate BOA, if I didn't have a lower mortgage rate with them I would wish them all to hell.

Countrywide should be seized by the Fed before Bank of America takes over. Then they will be able to offer the excuse that they have tons of paperwork to go through before they can help anyone. As the days go on I am beginning to believe that President Obama should have let these scoundrals go belly-up. That would have done the world a favor. Instead, the same crooks are still in charge. They are rude and ruthless. They deny Modifications even before they have the paperwork. I never sent the papers in yet, they are being faxed today, and yesterday I received a denial dated March 25. It's all automated, they don't even wait for the paperwork. I was told I didn't make enough money for the modification. That people is the reason to modify, so that the payment fallsss within paramaters as set up by Obama. Rest in Peace Countrywide.

Everyone!
Always watch your account. This company is creating bogus electronic checks and sending them to your financial institution. Obviously, they must get paid based on funds collected to the point they are using illegal strategies to get payments. Pay close attention to your account monthly. NEVER, EVER, EVER give them your acount info. Tell them you will send them a money order instead. This is the most crooked company I have ever heard of. They are scary dogs so STAY AWAY!1

This also happened to me. I had previously authorized deductions from my checking account, so the information was available to them. When I realized the money had been debited, I called them. They said they spoke to my husband and he authorized and they provided the date and time they spoke to him. I knew this was not true and immediately looked at the call detail for the only phone number they had on record for my husband. There was no call that day, in the 3 days before or the 3 days after the date they provided. To be certain I was right, I also checked the only other phone number they could have called. Same thing ... no call. They refused to provide any further proof.

I have a file folder an inch thick on correspondence to and from them on a variety of other issues as well. I ended up settling with them, but regret that I didn't consult with an attorney beforehand.

Called Countrywide in beginning of October /08.We couldnt make payment, husband lost full time job.Asked help, asked for a defferment of a couple of months SINCE WE WERE NEVER late with our payment before.They said we were still current, =no help.Called again and again.Faxed over papers of our financial situation on oct.10.08 they told me they would give an answer in 30 days.I called after 30 days, they told me NO you misunderstood, we said 60 days. That means that i will be 3 months late on my loan, and guess what thats my way to foreclosure. Still today, they have no anwer.Unbeliveable.Very disappointed.

We had our first loan with Countrywide in 2006. We paid our first payment in October, in 2 installments. Both installments arrived close to the 1st of the month and before the 15th. Our next payment, due in November was paid the same way. However, Countrywide applied the payment to our escrow account and not to principal and interest. For starters, this action breached the mortgage agreement we had with Countrywide. Then, Countrywide reported us late to the credit bureaus. We contacted them, and after several conversations, they agreed to contact the credit bureaus and correct the problem. Countrywide never followed up on the request to the credit bureaus. I had to contact the credit bureaus myself and get the job done.

After all of this, we actually ended up with another loan with Countrywide. As a result of the refinancing our home, one of our lenders sold our new mortgage to Countrywide. All of our payments were made on time, from January 2007 to May 2007. during that time, we were informed by Countrywide that they had allowed our identities to be stolen by one of their employees.

We had other problems with them, and when we had a financial issue because my wife, who is a teacher, did not receive a check for 3 months, we asked Countrywide to put those months on the back of the loan, and let us start our payments in September 2007, when my wife would get a check(my income is used for all other bills).

Countrywide, after all that they had done to us, denied our request and have put us into foreclosure. We will re-instate our loan, but it never had to come to this.

We are currently suing Countrywide for Breach of Contract, and violating our rights under the fair credit reporting act.

At the end of January 2008, I contacted Countrywide to see if they could extend my mortgage payment for 1 month at the end of my payments. They said it had to go through the procedure which would take 14 days. They would get back with me within 14 days on the answer. I contacted them on day 14, and they said it had to go to another department for review before making a decision and it would be up to a month. This would be 6 weeks after I first contacted them. I was waiting for my SSDI to be approved, so I either had to pay my taxes and insurance, or make the mortgage payment. Prior to this incident, I was never late. My payment were always there before the day they were do.

They say to contact them before you get into a situation and they will work with you. I explained this situation to them and they said this happens to the best of us and that they would work out a payment plan. That was a JOKE. The beginning of March, I sent my normal payment in which I thought was my March payment. I learned later that they applied it to the month I was needing the help. I asked them if they had heard anything on the payment plan, and of course they said NO.

Because of all this, they reported my payments as being late to the Credit Bureaus that fast. They waisted NO TIME. If they had of helped me with 1 month mortgage, this would not have happened. Now, I have to wait for a whole year to be eligible to get the PMI insurance request to be removed because of the late payment which could have been prevented with the supposedly good customer service.

THIS HAS MESSED MY CREDIT UP ON MY CREDIT REPORTS which was uncalled for.

They do not care at all for their customers. If they had not been so eager to give loans when the market was hot, they would not be in this situation and would work with their good paying customers.

My complaint is a relatively minor one but it could result in a negative impact on my credit score. On 12/04/07 I spoke to 2 different Countrywide reps about POSSIBLY refinancing my existing 1st and second mortgages. I explicitly asked that no formal credit inquiry be initiated until my wife and I discussed the pros and cons of a new mortgage. Both reps agreed: one named Dina and the other, Miles. I have their last names and phone numbers in my notes. Since that time (3 days)I have rec'd 3 alerts from my credit reporting service about inquiries from Countrywide and Landsafe. As is evident from the web site, Landsafe and Countrywide have a direct relationship. It strikes me as a shabby way to do business but I suppose it is to be expected from today's breed of lenders. Needless to say, I do not expect to do business with Countrywide any time soon. Obviously, the powers that be won't lose too much sleep over the loss of a $225,000 mortgage. Why am I not surprised...

Unfortunately I have 3 home loans with Countrywide. I've made 67 paymets to date. All 3 payments are due on the 1st of each month. I ALWAYS write checks for each loan on the 25th at the same time and mail them the same time. Two of the loans I make additional principal payments...EVERY time.

Two months in a row now Countrywide has claimed not to receive one of my checks. They have received the other two but not the third. Last month I called to investigate the issue. They claimed they did not have the check. I stopped payment on the check and immediately sent another check. Miraculously Countrywide found the original check the next day and attempted to post.

Apparently the same exact thing has happened this month on the same loan! Countrywide has posted the first two checks but claim not to have received the third. Rebecaa the Countrywide rep suggested I put a stop on the check. I don't have time to go to the bank monthly to stop checks due to Countrywide's lack of organization. I have read other comments about Countrywide on this site which lead me to believe it is a ploy to collect late payments(?) I also see where some people say don't sign up for auto payments from your bank account. Do I have to drive to Plano Texas each month to ensure they receive my payment?

In my opinion Countrywide is the worst service company on the Planet!

COUNTRYWIDE HAS NO COMPASSION ABOUT DEALING IN ARM LOANS. I WAS A VICTIM OF THEIR MONEY MAKING SCHEME. THE FINANCIAL PERSON TALKED ME INTO GETTING AN ARM FROM A HOUSE I HAD SO I COULD GET CASH OUT AND GET ANOTHER HOUSE. OF COURSE I AM PARTIALY TO BLAME AS I DID NOT THINK ABOUT ALL THE CONSEQUENCES. WELL I BOUGHT THE OTHER HOUSE AND IN THE PROCESS OF SELLING THE OTHER HOUSE WHEN THE MARKET DROPPED. I HAVE SPEND THOUSANDS OF DOLLARS WITH COUNTRYWIDE REFINANCING AND PAYING CLOSING AND OTHER COSTS SO THAT I COULD STAY IN MY HOME. NOW MY MORTGAGE IS MORE THEN MY HOUSE IS WORTH. I HAVE ASKED COUNTRYWIDE TO RESTRUCTURE, TAKE OF THE PMI OR ANYTHING SO THAT I WOULD NOT BE LATE ON PAYMENTS OR FORECLOSE. THEY SAID SORRY, YOU CAN RENT OUT A ROOM OR SALE YOUR JEWELRY TO MAKE EXTRA CASH. THANKS COUNTRYWIDE FOR THE COMPASSION. ALL I ASK FOR WAS TO LOWER MY PAYMENT BY A FEW HUNDRED DOLLARS BUT ALL I GOT WAS RENT A ROOM.

When we starting house shopping we didn't quite have a down payment. We were in the process of setting up a loan through Countrywide and were advised by the loan officer to amend our 2008 tax return to add the 8, 000.00 1st time home buyers credit so that it can be used towards our down payment. While my family and I were doing some research we were advised 3 different times by 3 different people with the IRS that NO IS ALLOWED TO USE THE 8, 000.00 TOWARD A DOWN PAYMENT. If this done that we would be fine and or panelized until that money is returned to the IRS. Another loan officer said that it's considered mortgage fraud. As soon as we found this out we called the loan officer with Countrywide and advised that we were seeking other options and that we no longer would be going through Countrywide. The loan officer then said, " Just to let you know... not many lenders will accept the 8, 000.00 to go toward your down payment." I then said, " Of course, because it's mortgage Fraud! It felt soooo good not to be sucked into Countrywide and their schemes!

This has now happened twice paying my account via the internet to country wide and they take the payment out twice and say that I did it, and that is a federal offence! Save yourself the time and mail it only ! this will happen to you and they will only reverse the whole amount, then you will be late!never again ! SELL MY ACOUNT, PLEASE!

http://www.reserveathamman.com/

fo sho

I just called and they removed this without question. They are absolutely hoping that people don't notice and know that they have no way to force this extra payment. If I could get rid of Countrywide without expensive refinancing, I would in a second!

I discovered this same exact problem today. Ridiculous. I sent an email to Consumerist to investigate and will definitely be calling and complaining and working to get this removed.

I've recently had a similar experience with Countrywide Mortgage. Things going along smoothly and then out of the blue, they increased my monthly mortgage payments by five hundred dollars, claiming that it was essentially to build up my escrow account. Unfortunately, they claimed that the increase was based on actual tax rates that had been assessed for 2008 by the County Tax Assessor's Office, but when I called the tax assessor, they stated in no uncertain terms that they had not even set the rates for 2008 and that Countrywide and Wells Fargo had been using this line with lots of customers. Countrywide also stated that they would adjust the erroneous fees while I was on the telephone with them, which they claim they did, but then they decided to keep the fees after all because they claimed they needed to pay back sanitation charges on my account. To the tune of nearly nine hundred dollars? That's some serious sanitation service! I have reported Countrywide to the State Attorney General's Office in California and Georgia. I advise others to do the same. That's the only way these predatory lenders are going to stop ripping people off.

Wow - I am having the same problem - I called them yesterday and was forwarded to some voicemail and have been waiting for a call back to inquire what the heck this reserve requirement was. I can't afford another $60/mo tacked on and just sitting there for their own personal cushion! That's a tank of gas for me. Ridiculous.

Your story is EXACTLY like mine this past month. Must be across the board for those of us who financed through Countrywide. I called them today and explained that I had never paid this before and I know that it is "allowed" but not a "requirement". So without any hassle the CSR took it off my bill. Helps me out. Now my 40 bucks a month can cushion my savings account and not some ailing business's. No way could I do the already 30+ increase with the extra 40 on top of that! It sure was a shocker to see that new payment amount.

Glad we could get it taken off. Hope others do the same!

I would like to keep Bank of America for my banking needs.
If I can

I would like to stay with Bank of America. If I can mop

So last week a web site hosting company that I have auto debit for services set up with emailed me that my card had been denied. Then this last weekend I went to the ATM to get some cash and my card was rejected. Today another company set up with auto debit called me to say my card was denied. So I got motivated to call Bank of America customer service to find out what is going on.

First of all the "customer no-service" rep asked me for my SSN over the phone and I balked. I informed her of my discomfort in that and she automatically took a tone while telling me it was necessary. I told her to look up my card number instead. She complied.

I outlined the problem and she informed me that an alert from "MBNA" showed up at their ATM protection unit indicating that my card "may" be in a group of cards that were used at a business that had been compromised. For that reason they cancelled my card. They could not provide any details of the business that my card "may" have been used at because they do not collect that data. So... they could not tell me if my account info had been compromised or not, and could not tell me what business reported the compromise. It gets better.

So Debra at customer no-service says they mailed me a new card 3 weeks ago. To WHERE? Wait for it... the address I lived at 3 years ago. When I tell her they blew it, she goes off on me like an ex-girlfriend and tries to out talk me by talking without stops and over me to shut me down. I play for a second and then got bored. I asked why they sent the new card to the old address. She says that's the address they have for me, and acts like it's my fault that the info is not updated. She says when my wife came into the branch to change the address the teller only updated her profile. That is redamndiculous that they didn't update the account info, and I reminded her that I am primary on the account and ALL statements come to my current address without fail. She just says "Well that's how it is". Anystoop, She will be sending me via second day my new card. I had to ask though, if it would be a different number than the one on the card they send to the wrong address and she said "Hang on let me check" OMG! She had to check to see if she was stupid. Because that is what it would be if she had done that.

So, let's review. Bank of America cancelled my debit card on a maybe due to a possible compromise at or "near" a company that my card had been used.
They mailed me a new card to an address 3 years old. Blamed me for old account info, even though ALL statements and company offers are sent to the correct address.
Mis-treat me when I rightly express frustration.
I am now responsible for contacting all companies I contract with and have auto debiting set up with to set up all new billing.

Thank you Bank of America for a job well-done...NOT

Chase Mortgage did the same thing to my LOE with them without even a letter or email. I've never missed a payment, have only 7% balance outstanding and have a +700 credit score. The said that the property was reassessed and is below the 80% LTV. Not 4 years ago they were happy to give me 95% LTV and my financial situation has only improved since then with the exception of the market dropping. I understand that they are probably loosing their ### because they were greedy and all too happy to give 95 - 100% LTV when the market was good. Now that the ### has hit the fan they are screwing customers that have good standing, but are victims of a housing market crash that they helped perpetuate. Way to go. All I can do is pay it off so that they don't get any more interest from me and NEVER, EVER use any of Chase or JP Morgan's services.

DITTO here pal. Same thing happened to me! It's so ironic that on the day my HELOC from BOFA got frozen that I received an email from them telling me that I should apply for a HELOC as the FED just lowered rates. Thanks BOFA for a great lesson in communication. Some forewarning would have been nice!

My son's account info was somehow stolen and charged by a company called "Mazein" (which bills for an adult sex dating site online). Even after requesting a freeze on the account, they charged it a 2nd time. He never even used his account one time (save for the initial deposit to open it). The bank is refusing to refund the 2nd charge (even though it happened after he filed a fraud report) and is refusing to credit any of the overdraft charges for either transaction. My son is a minor and opened the account without my consent anyhow yet B of A refuses to speak with me about the account. I do not see how it is ethical or legal for them to let a 17 year old open an account without my consent. He never made the online transaction (first one was day before Thanksgiving and he was no where near a computer that day!), he filed a report and everything. Now they have turned him over to a collection agency for the overdraft fees!

I felt absolutely attacked when making a transaction for a BofA account holder. I am not a BofA client and now never will be. When I went to the service window I was asked if I had an account, which was obviously sparked because I was making a transaction for someone else. I answered that I didn't and the teller proceeded with my transaction when all of a sudden I see an Account Representative stand next to me at tge window while my transaction was being completed to try to get me to open an account with BofA. I was very firm from when this rep approached me that I was not interested but was just continually hammered as to why, where I banked, etc., which honestly is none of their business. I could not wait to get out of there once the teller finished processing the transaction. Lesson for BofA: 1) don't approach a client when they are in the middle of completing a monetary transaction, 2) No is no. If the client is not interested then please stop the company lines. I'm in a Bank, not in a flea market. If the intent is to get more clients this is definitely not an effective approach. I left there very angry. 3) I don't know what kind of "button" or communication system this bank has between the teller and the account reps, but it is a wrong tactic. I felt very much violated and harassed. I will never go back to that branch ever again.

To all Bank of America Customer Change banks, B of A is a very dirty bank. They steal your money with little accounting tricks, they steal your home, by acting like they are helping you just to say hey your paper work was expired... Well it was not when I gave it to you 2 months ago, Why did you not ask for all paper work at one time, but no they say they want this, then they come back and say I need this and then do it all over again just to steal your home.

MAKE BANK OF AMERICA FAIL, WE the AMERICAN people Bail these criminals out and now they thumb their noses at us. TAKE YOUR MONEY TO SMALL BANK AND YOU WILL GET THE BEST SERVICE OUT THERE, Small banks care about their customers unlike Bank of America.

I say to all Bank of America Customers remove your money from this Dirty bank. Bank of America is the worst bank ever. They still your money, they do little accounting tricks to steal more money and if you have a home loan with them and are trying to refinance, they will stall and stall until all your paper work expires so they can steal your home to.
REMOVE ALL MONEY FROM BANK OF AMERICA

Hi My name is eric and bank of ameica has robbed me for years, Just this past week has been hell with them. When i recieved a check in the mail, it was a cashiers check, i took the check to the bank and had the teller and supervisor verfiy the check for 3940.00. They Verified the check as a good check so they deposited in my account. When i checked my savings account where the check had deposited, it had cleared and funds were available for withdrawal, 9am that morning, Bank of america Took Back the 3940.00, Placed a hold on my account and deemed the check Counterfeit. Then they Charged me a Monthly Maintance Fee of 5.00 so that made my account (-5.00) then they charged an Overdraft Fee of 35.00 for the 5.00 fee they charged me. Which Brought it to (-40.00). Finally i got fed up and went to the bank the associate said he apologizes on behalf of bank of america and said i have to charge you an additional 12.00 for a returned check fee. So the account is now (-52.00) negative. So now in just using the checking account till my taxes come, Now whats really surprising is that i had 118 in my checking account, i withdrew 100 to cover the water bill with came with a processing charge of 3 dollars. so that left it with 15 dollars, i bought lightbulbs and food for 13.87, which was supposed to leave me with a 1.and some change. So when i checked my account that night, Bank of america charged me 2.00 Fee for withdrawl, i used a bank of america atm, before the other posts have completed, then i was sunk down to -0.62. Then i called bank of america, the representative told me they have no record of the charge and that if i have any more problems i should give them a call back. After the night was over i got charged two overdraft fees for 35 a piece, one for the 3 dollars for the bulbs and another for the 12.99 Monthly Maintance fee they charged me. I thought it was Free Checking, I did read the disclosure fully before signing, and apparently it didnt say anything about a maintence fee. I dont understand how they can charge a fee on an already negative account. Its perposturous i mean they can get away with something like this?

Class actions have been filed numerous times against banks over nsf charges for being an unlawful penalty. Hugh profits far far exceeding bank costs. If customer has nsf issues bank should close the account not leverage that conduct to their financial advantage. In all the class actions I reviewed on nsf charges ... They have all been settled with mo change in policy. Over and over again. The law firm makes big bucks and the customer one free bounce or token small credit of some kind. Never cash settlement or change of policy. So they problem gets worse, not better. Switching to a credit union and never doing business bank of American is a message that might ne heard ... Barring any future federal bailout . As for me I refuse to ever skiing business with them going on thirty years now. And yes this is not a new concern just that the greed increased with the loss of their traditional income ... Interest income.

Looking for BOA customers have been victims in the phoenix area, Especially in Mesa AZ. branches. By victims i mean funds taken out of your account and transfered to other branches of BOA. These accounts at other branches were opened in your name but without your knowledge or consent! I can help and in turn need help via information from other customers. Thank you MM Please e-mail me at mike.mostacci@yahoo.com

I have had this and several problem with BofA.
I keep trying to remove them from my finances and still have not been able to do so.

HERE IS WHAT I DID ! AFTER THEY CHARGED ME 180.00 IN BOGUS CHARGES AND WERE SOOOO RUDE TO ME I SAID! OK I WENT TO THE CASINO AND WITHDREW 420.00 THAT I DIDNT HAVE AND SAID KISS MY BOOTIE HOW DO YOU LIKE ME NOW BOFA ###!THEY CALL ME EVERYDAY AND I TELL THEM I AM NOT AVAILABLE ! SCREW THEM I WON!

ok, first of all. your post is too long for me to actually want to finish reading it. i think i catch the jist. now, i just want to make you aware of a few things...i disagree with bank of america's policy on this, BUT...even if you deposit CASH, those funds are not available for POS (point of sale) transactions until the following business day - the funds are only made available to you for withdrawal or transfer. It does not make sense to me much, but that is the way it is. and yes, you can definitely be charged those overdraft fees. that check will not post until the next business day and you were already making transactions on funds that were not there yet, even though you had the $100 immedaite credit for ATM withdrawals and tranfers. Sorry :(

I have had the same problem. Complaints to corproate get you nice words (however the agent agreed it is immoral that is why they have a different bank themselves). You may get part refunded but usually not. I contacted the OCC which is teh Federal agency that watches BOA. They say the Bank can do what it wants they have no power over it. This is the agency that watches them? Other banks now are folowing. It is a 13 billion dollar profit center for banks. They are picking the pocket of middle class. I would like to see the laws enforced and changed to actually protect consumers here. Tim Geitner is looking eleswhere not helping either. I hope you folks can send Obama a letter and refer to this site as proof there is a lot of thievery going on by the banks. I am moving my account to a local bank that has the tate watching it. The big banks have the OCC which is worthless. Look at the OCC website and teh complaints they get. Look at their answers. They say Banks can steal sorry ! Greed is why we are in this financial mess with no jobs, banks are in teh center ring. BTW I had fees of several thousand a year all like you on little over drafts that wrere in pending even for 10 minutes (I transferrred money to cover but teh trigger went and so did $35 a pop. Oh they now do 5 per day limit not 10 gee whizz. They just hold stuff another day that is all.

BEWARE... CASH APP/ guy pretending to be agent with cash app customer service has got into my account stoled my bank information and requested money from all my contacts thousands of dollars as if it was me? he took $600 from my daughters ACCOUNT WIPED MY BANK OFF MY CASH APP PUT His bank of America account ending in 0119 transfer funds from my daughter account to this account with Bank of America. his name is Romeo//he has accent could be Iranian indian/African American/ their are two other guys working with him Michael/Robert Sims/so phone number they call from [protected]...they are in one room all doin fraud...off peoples accounts..

This is about fraudulent charges on my credit card

Phone no.[protected], [protected], [protected] Florida and [protected] Las Vegas NV This is for fraugulent charges against by credit card. Thank you Pjil Middletonb 3.9ij

They are the mafia bank they need to be broken up and put under federal reserve as bank of the united states

I received a call from michael anderson, [protected], who claimed to be a customs officer in las vegas. he informed me that I am a bank of america lottery winner. he told me to call bank of america in california at [protected] for a wire transfer code and a pin number. I called and received a recorded message saying they were holding 20 million dollars in an account for me. michael anderson said I need to pay 1% of 20 million dollars ($2000.00) in time payments or cash, to mr. bill bradley, president of the federal trade commission, for a final approval stamp. once the fee is paid, I can then go to the bank of america and pick up my money. the bank of america in my area said this is a scam. mr. bill bradley called my home at 10:25 a. m. today. I asked him to put notification of my award winnings in writing and transfer the money to the local bank of america in my area. i'm still waiting...

For the last two weeks I have been receiving calls from a mr peterson mega millions saying that I had won $5 mollion dollars, [protected]. has called five times yesterday and four times today. yesterday he gave me a phone number for bank of america and told me to select option #3. the out going message then says that your phone# is recognized and them congratulates me on winning $20 million. i'm upset because they are using the bank's name the phone # that I was given is [protected].

On 1-31=17 l received a bank draft from citibank for the sale of my motorcycle, l called their automated system and check # [protected] for $ 4200.00 is not on their list of bank checks. l deposited it into my checking account on monday 2-7-17 if the check is no good do l get charged and how do l get this guy thrown in jail charles papp. cpapp1@tampabay. rr.com [protected], l still have the bike, l was waiting for the check to clear.

I agree 100%

YES they did since the last 20-years. First I didn’t believe this story people shared online. After more evidences are collected and analyzed I am so convinced that Banks scammed, misled, stolen and control our politicians. These crooks are too clever, they own the majority U.S. trial courts and courts of appeals to give us a run-around. Banks hire corrupt lawyers inside out the courts (using the stolen moneys called lobbyist moneys) to give the impression that they use the right codes to dismiss cases, and they never want to go through trial for fearing the truth will reveal their secrecy. This affects the productivity of the country. WE’VE BEEN RIPPED OFF NOT ONLY ON OUR MORTGAGE, BUT ON OUR RETIREMENT AS WELL since the inception of Fannie-May Freddy-Mac, of the last 20 years to 2008 and more rip-off ahead. Attached are shared links I received via network, feel free to share. BANKS MOVE OUR RETIREMENT TO LEND TO US. Don’t jump to conclusion so quick on your 401k, IRA etc, if your numbers look good, that’s because Banks controls our 401k moneys, they give fictitious numbers on our reports like Bernard Madoff did to make believe you are not being scammed, but you will discover the truth sooner or later and no courts could help you. We all are victims of the 1%; Hillary will win because the %1 paid to have her do the dirty work for them, Learn their secrecy of stealing here and how corrupt authorities will bring America the ending calamity ahead: https://1drv.ms/f/s!Aqs7zg7dRLmHaiosKlumjfcYTQk

After my online banking session, BofA took me to a survey page & mentioned they are giving a free gift for taking survey. After survey, I selected a pendant for my wife. It said there is a S&H charge of 5.99. I paid using my credit card. After 15 days I saw a charge of 98$ on my credit card. I asked the company which sent the pendant why they charged 98$. They mentioned in terms of agreement it is written if I don't like the gift, I've to return it back within 14 days. Otherwise they will charge 98$. BofA has agreements with such Scammers, stealers, etc. I called their customer care, they mention put a complaint online. If you take a survey & rewarded for time you take, I don't understand why they advertise they are giving free gift when it is not FREE. Nothing is free in this world. Don't ever fall for these FREE stuff. That too from BoFA. They are the ultimate fraudsters.