Bank Of America
Reviews and Complaints
9.5M
CLAIMED LOSSES
2.2K
TOTAL REVIEWS
320K
PAGE VIEWS
13
ISSUES RESOLVED
Bank Of America Net Promoter Score (NPS)
7
medium
NPS
-100
100
- 49% Promoters
- 9% Passives
- 42% Detractors
Bank Of America's estimated NPS of 7 considered to be medium. 49% of users would likely recommend Bank Of America to a friend or colleague.
Customer Satisfaction
Bank Of America Reviews
Guy Mvl
El Paso, Texas
BANK OF AMERICA FRAUD!
I am so frustrated with the runaround I am getting from bank of America. I was unemployed when I first started requesting a review of my request for modification. It has been 8 months since I started the process. Every Time the seemed to take long to review the packet and then they would request other documents and etc. Finally I got a job one that ny the way pays me 1/2 of what I used to earn. But being that I do not have any other bills than utility bills I would be OK to give a payment on a mortgage. Well after two weeks of working they sent me an overnight package requesting additional information and giving me a deadline date of 3/16/12 to deliver. I sent the document on 3/9 and BOA confirmed on 3/12 receipt of documents. Four days prior to deadline date. When I called on 3/12 to confirm receipt I find out that BOA placed my mortgage on foreclosure since 3/2. HOW CAN THIS HAPPEN! WHO DROPPED THE BALL. At this time I am calling and calling and they cannot stop foreclosure, even though I have the letter asking me to send documents before 3/16. I NEVER RECEIVED A LETTER FROM BOA TELLING ME THEY WILL PLACE MY HOUSE ON FORECLOSURE!!! NEVER!!! At this time I am getting the run around - totally lost for words. My property is a farm and I have sold all my horses and goats to be able to have enough money to bring my account up to date just in case my request does not go thru. And they have the nerve to tell me that even if my RMA does not go thru I cannot pay on the account!!! Do they not have a kindness nerbve in their body!!! It is only my daughter and I and having to deal with people wanting to see my home and almost to the point of harassment from Realtors! I want to National with this case. DOES anyone know please how to take this complaint to national TV? I am on med and my daughter has nightmares every night. bad enough I had to sell all her horses who she adores and now thinking that we will be homeless! Unforgivable, i am not a number AM a person. They are so inhumane!
Loss:
$110
3 comments
MANONGAGNON G
West Hartford, Connecticut
SIGN PETITION AGAINST BOA PASS IT ON!
we petition the obama administration to: Force the Bank of America to give people who qualify, the loan modification they should have given by now. Trial payment plans are contracts, and the Bank of America broke them by not giving permanent modifications to homeowners who made their trial payments on time and provided the necessary documentation as well as receiving official permanent modification qualifying documents. Obama said, "Millions of Americans who work hard and play by the rules every day deserve a government and a financial system that do the same," Obama said. "It's time to apply the same rules from top to bottom: No bailouts, no handouts, and no copouts. An America built to last insists on responsibility from everybody." Created: Feb 01, 2012 Issues: Housing Short URL: http://wh.gov/kKZ Save and Share this URL: https://wwws.whitehouse.gov/petitions/!/petition/force-bank-america-give-people-who-qualify-loan-modification-they-should-have-given-now/6DTBJ8G7 More details » SIGTARP Hotline Office of the Special Inspector General For The Troubled Asset Relief Program 1801 L Street, NW Washington, D.C. 20220 To report allegations of fraud, waste, abuse, mismanagement or misrepresentations affiliated with the TARP, please call (877) SIG-2009 or submit confidential information to the SIGTARP via our online Hotline form.
12 comments
Anonymous
Elkins Park, Pennsylvania
Worst Company of all TIME!!!!!
Yes, I am pissed with BOA. AND I'M ONLY 12!!!!!! Seriously! This *** company actually has the nerve to make *** excuses, put my parents through agonizing frustration, and then foreclose our house! My mom and dad workd extreamly hard to make ends meet, but got behind, due to medical problems and the loss of hours and overtime. After over a year of trying to get a mortgage modifacation, we finally were denied. I am 12 years old. Seeing the stress of my parents was too hard to handle. BOA could've easilly helped us get over this hill. It turns out that they only wanted our money, and were never going to give us the mortgage modifacation plan in the first place. Remember BOA, when you kick people out of their homes, they don't make payments. Without payments, your company goes under, and you're all out of jobs. Thankyou Bank of America, for practically ruining the life of a 12 year old girl, just as it was about to start.
Ohio
Columbus, Ohio
Paperwork runaround
Bank of America doesn't really want to do their job - LOAN MONEY! We have been attempting to get a mortgage on a second home for nearly 2 months. We are a very very very low credit risk, but BOA has given us the most mind boggling run around we have ever seen. Then, due to their delays, the interest rate shifted and they required us to pay a half a point to get the interest rate we started our negotiations at. We just dumped them and went with another lender. Save yourself a lot of hassle - don't use BOA!
smartipants c
Fresno, California
B of A Going downhill
obvious that bofa has greater need of stockholders then customers. Closing my account today after 15 years. WAY to restrictive on small business. Cant run a company with them. Going from almost $100000 credit which ran a business to $1000 wont work. Credit unions are the way to go and Ive already left. This bank wont last with that treatment of customers. ceo doesnt know whats hes doing. Buying a failing company with billions of housing debt? *** choices, bad horrible customer service. If I wanted to talk to somone in India, I would call Dell. Goodby bofa, you have lost me.
SICK o
Brentwood, Tennessee
B of A Customer Service SUCKS
I just spent an hour of my life I won't get back trying to get a simple loan balance from BofA. In order to get the loan balance I first tried the 800 number listed on their website for the type of loan I have. After 10 minutes of trying to get the balance and/or a live person I hung up. It was impossible to get to a live person. I then decided to try the live chat offered on their site. The chat response I received was that no representatives were available, but it offered a different 800 number which I gamely tried. I called that number and after just a few minutes I was able to get a live person. After giving my account number and my social security number, he told me he couldn't help me and transferred me to another department. After being on hold for 10 minutes there I got a live person who again asked for my loan number and my social security number, as well as some additional information. After putting me on hold twice to do her research, she announced that I no longer had that loan despite the fact that I was sending monthly payments. So when I informed her that she was incorrect, she transferred me to a third department where I was once again put on hold. When I did get a person to answer this time I again had to provide my SS# and loan #. With that information he was able to provide the loan balance in less than a minute. Which is exactly how long this should have taken in the first place!!!!!!!!
comoongoddess W
Littleton, Colorado
Bank of America unethical business practices
Basically what happened is that last month I called to make a payment with my Chase bank account but had no checks so gave them my full account # which had 6 zeros in front since they said they needed FULL account#. Never came out of Chase account and came back as account not located with BofA. I called back and they didn't know what was wrong so I said well, I opened account in CA but now live in CO where I bank, do you think you might need CO routing #? They said, yes let's try that. 3 days go by, payment returned not locating account. Called Chase and they said do NOT use 6 zeros, give them other numbers though. Called BofA, and tried that..payment took. Called this month to make payment and they have closed my account (without advising me of their decision to do so) for previous 2 returned payments. They admitted it was account # keying error on part of their reps, transferred me to credit dept. Credit dept runs my credit and says due to my student loans in default (one paid off weeks ago & not updated on credit yet and the other deferred for a year) they won't re-open the account. They stated I have EXCELLENT payment history with them for over 5 years and they admit the closing was THEIR error (and last payment I made was reflecting in credit line) but can't reopen my line of credit. What makes it worse is that over that week or so I was calling them proactively trying to figure out what was wrong so I could pay THEM. This is how they treat me. It's just wrong. I'm not sure where to complain to.
Loss:
$300
2 comments
Anonymous
Waynesburg, Pennsylvania
Penatilized for Asking a credit increase
Called Bank of America for a credit increase on one account with them that offers a 0% offer. Had an additional account with Bank of America that had $9500.00 credit limit and only 1100.00 Balance on the account. I have never been late, never went over limit. Also paid more than the monthly installment to build my credit. They not only denied my increase on the account that I called on, but lowered my credit limit balance on the other card to withing in 100.00. Then they asked me to consolidate my debts with them. ARE THEY NUTS? I built my credit and credit score up to high good--20 points from excellant and now they lowered my available credit by $8400.00 which will totally screw up the credit score because of going from 10% balance on this card it is now 92%. How is this FAIR? There is no way that anyone has a fair chance anymore. They tell you to call your banks, ask for lower rates, ask for credit line increase, for what--a five minute phone call just cost me how many credit score points for being a loyal reliable customer. No they have not made any money on me for late fees, bounced payments and even less finance charge because I made payments more than monthly required. I was only asking for an increase to help my daughter with her credit card balances to a lower rate. Maybe everyone should just file bankruptcy and leave these banks with nothing but paper because with out being secure that is all they will get.
1 comment
scamper
Kissimmee, Florida
Feri
First of all I your entire would like to say how unprofessional your entire organization is. I started a refinance process with B of A mortgage 90 days ago. I was just declined for having an unfavorable debt to income ratio. The process took way too long. The same documents were requested two or three times. I don't think anyone even looked at them for 60 days. I told Dane I had additional income at the outset with two more annuities for life, which he said should not be necessary. Additionally I explained on my compay's P&L that much of the debt I had was for buying out some of my agents future income which was expensed for 2011. I don't think they looked at that either. The document people took up way too much time with our condo association board member, telling them that we must have a street maintenance agreement because we are responsible for our street. Yes she sent our by laws, which stated that we were responsible for the street. The document people continued to press for a street agreement which we do not have. Crazy! I will save this as a draft and keep sending to higher ups in B of A . No wonder the bank is having to pay hundreds of millions in repossession fines as there are so many inept people there.
Josh C Vat
Charlotte, North Carolina
Mortgage My Company !!!!!! they *** up
look i fought my Mortgage company also i wrote letters sending them proof my Mortgage is ok back in 2004 but my body was talking to me like my Doctors said if pain in your body LISTEN to it TALK. i ask myself why am i receiving this letter from my mortgage company when i am doing better than GREAT on this mortgage so i start saving Letters my Mortgage company was sending. then it happen they *** up they the bank send the cleaning crew who Foreclose on homes to my house when i was out of town they destory the house inside tried to Blame it on Teenager and it made the world news and the REST is i own the Home free and CLEAR_NOW. and i got a settlement-of-lots-of-CASH to drive by the old house they destroy and Look at the people who Bought it from me because they hurting peoples and i Pray they do it again because peoples are Hurting and NOBODY-CARES.
JeffandGina E
Puyallup, Washington
@ Bank of America
Really? How about you give me YOUR DIRECT PHONE NUMBER and you fix the problems BOA is responsible for then? I trusted BOA until just a few months ago but now I will be pulling all of my accounts and tell all of my friends what your UNTRUSTWORTHY company has done. And by the way....I'll bet most of us who have posted here HAVE TRIED contacting BOA..repeaaaaaatedly. By the time we get to this site we are tired and frustrated and pissed. I'll be waiting for you to step up to the plate... [Bank of America Says:| Bank of America is one of the major financial bank-holding companies in the United States. It was founded in 1911. Bank of America has more than 1,000 branch offices abroad. It is headquartered in San-Francisco, California. Bank of America has developed some habitual wisdoms within the industry it works in, among them avoiding the mistakes of those companies that perform only consumer lending, so called consumer lending monolines. Bank of America provides numerous banking packages and a number of fresh trustworthy business solutions. It would meet all your financial needs supplying you with different loans: auto, student, home loans. Please try to contact Bank Of America Customer Service directly prior to posting any complaints on this site.
Skyelar Xbt
Guntersville, Alabama
Bank of America Home Loans Servicing, LP ***!!!
I have a horror story to add to the hundreds that are already on this site. My husband and I got behind by one month on our mortgage in 2009, right before Bank of America started servicing our loan. By May 28, 2009 BAC had already sent us a foreclosure letter, informing us we were five payments behind instead of just one. A week later, we get a letter from their foreclosure mill here in Alabama they use, Sirote and Permutt. We immediately started to try to work with BAC to figure out how to qualify us for a loan modification. They took my husbands and my financial information over the telephon (gross pay, how much savings we had, what our bills total, etc), and put us on hold for 10 minutes. the guy come back and said we were pre-approved, and to type up a hardship letter, gather up copies of our bills, monthly expenses, two months worth of bank statements, 2 years IRS tax return filings and fax them to the attention of BAC's 'Hope Dept.". Well, they got the demanded paperwork next day. It took them almost 3 weeks before they scanned all the docs into the system. We waited, and were told that the foreclosure would be postponed while we were in the modification process, but that collection activity would ensue. We were also instructed at this time to NOT send in any money, as this would only "mess up" the modification process. It took BAC two months before they finally approved us outright in July 2009. We got a call on July 25, 2009 from a BAC rep who informed us that our final loan modification docs were in the mail to us. We had 10 days to sign/notarize them, and return the documents with "good faith funds" in the amount of $877. We were told we had to send those funds via money order or cashiers check. They got a cashiers check and their notarized docs back in 2 days. This so called "LOAN MOD" was a mere repay plan in disguise. It kept us at our current interest rate of 7.5%, hiked our monthly payments up from $859.19 to $938.17, and tacked 2 years onto the back end of our mortgage. Our first mortgage payment of $938.17 was to be Sept. 2009. They got it, as did they the payments for the remainder of the year. If we were past the 15th in sending it, I tacked on a $50 late charge to the payment. We cant help but notice that all this time our mortgage statements are getting higher and higher, and we now have property taxes and homeowners being escrowed (nothing on this loan is to be escrowed, period). We now owe over $14,000 in past due payments, $1500 in late fees, and another astronomical amount in "uncollected costs". When I called in to check on this, I got told "well, your loan is in the closing dept. so any day the mortgage statement will change, just keep making your payments in accordance with the loan mod agreement". Okay, we do just that all the way up through April 2010. In April 2010 we get a phone call from a lady at BAC, saying she needs updated financial information. She took, over the phone, our gross incomes, all the bills total, how much we had in savings, our monthly expenses, etc. At the end of ALL this, she says "oh, by the way, the workout negotiator needs you to send in a new hardship letter, copies of your last 2 bank statements, your pay stubs, your last 2 years tax filings, and copies of your bills." I told her, flat out, if the workout negotiator needed all new information, he/she could ask for it by letter, we would not send it in unless we were formally asked for it by written request (boy they hate this) and listed exactly WHY they needed the same information again. Well, I'm here to say, that letter never came, so we kept making our monthly loan mod payments up through the end of July 2010. I called in on August 3, 2010 because our mortgage statements had not changed to reflect the loan mod pricing, but now showed us being close to $16,000.00 in past due, with late fees over $2,000.00 and an escrow deficiency of $4487. I was told on that day that the computer system showed our workout was "closed" and the modification had been "cancelled". Cancelled, just like that, after receiving an entire year's worth of payments, with no notification other than me finding out the hard way. they never sent out a letter stating why. The first thing they do is transfer you, the second you start complaining, to the Advocacy Dept. The Advocacy dept. does nothing except hold your hand while you lose your home. From August 2010 up through December 2010, BAC received from us anywhere from $1800-$2200 per month to try and get us caught up since they had just up and cancelled out from underneath us. The Advocacy dept. had, on our behalf, done more "escalations" to supervisors regarding this account than i could count on two sets of hands (there are, literally, 20 escalations plus). Each time they do an escalation, you have to wait 7-14 days for a response, if you get one at all. We never got a single response to ANY of the escalations BAC did on our account. BAC also started doing collections calls from 800-669-****(which oddly enough is the phone number for their Home Retention Team). We got anywhere from 3-8 calls per day, 7 days a week, sometimes two at once! They were also sending us Notice of Intent to Accelerate every month from August 2010 through December 2010. We would pay $1800 one month, and the next month the Notice of Intent would only show where they had dropped the amount due by $300. Would love to know exactly where that money went to. Probably into their "fees due" account to draw interest BAC gets to keep, cuz you know you're for *** sure not getting it! January 2011 I make a $2000 payment. BAC cashes it. Jan 31, 2011 I call in to set up payment arrangements, because I knew we couldn't keep going on this way, riding out Notices of Intent from month to month, getting nowhere with BAC. A lady named C@#$y helped me, and asked exactly how much we could put forward, in good faith, to secure the payment arrangements (here we go again with the good faith bologna). I told her we would put forth $2000.00. She said they could work with that, and said that we would need to make 5 additional payments of $2653.00 to get current by July 5, 2011. She took my checking account information over the phone, huffed and puffed and couldn't get it to go through. She says "I'm sorry, I'm having computer issues, I will have to take your number and call you back." Well, I waited 7 hours for her to call back, she never did. I had to call them back and got a different representative. I asked him if he would set up the payment plan that C@$#y said she'd set us up on. This guy was zero help...he said he wouldn't do it because the lady had put a note in the system saying she did try to call back, but got no answer. She would try back at a later date/time. He didn't want to "step on her toes" and redo anything she may or may not have done. I also asked him about why the loan modification was cancelled, or what may have happened. He discovered that 12 payments were being held in a fees due account, and had yet to be posted to the account. Two payments that I had made, they also never had posted as receiving them, but the checks had cleared my bank. This guy finds a note, dated for 12/14/09 that says, from their closing dept "work out negotiator to resend loan mod docs to customer. error on original documents. resend updated loan mod to customer asap." Well, folks, that updated mod never left their building!! And do you think for 5 seconds anyone bothered to apologize and try to rectify the situation? Nope! We got told to try and reapply for another loan mod, because this issue was "dead". We waited 4 days to see if C@#$y would call us back to finish setting up the repay plan. She never did. I got tired of their crap and mailed in a $2800 payment. So, you would think this would have more than fulfilled my obligation under the repayment structure? Nope!!! Feb. 28, 2011, BAC decides to foreclose on our home! Didn't send us a letter, not a phone call, nada! We have hired legal representation to fight BAC. However, our story continues. BAC is refusing to acknowledge our legal counsel, because they are saying that the signatures that they have on our "original" loan documents DO NOT MATCH what the attorneys faxed over to them to have authorization on our account!! These dumb butts have actually gone out on that wobbly limb and mailed us a letter stating just that. Well, if the signatures don't match, then we got a BIG problem! Its been 30 days since we hired our legal counsel, and BAC has yet to release any of the documentation our attorneys have demanded. My husband and I had to go out of our way to type up a formal letter advising BAC that we had in fact hired these attorneys, and that their delay tactic regarding this matter would not be tolerated. WE had it notarized and had our attorneys fax it to BAC, along with yet another demand letter from the legal firm. That was last week, we are still waiting on a response. The kicker to this whole deal is, BAC told us Sirote and Permutt out of Birmingham, AL have our account for foreclosure. I have been in contact with Sirote since 2/28/11, and they don't have the file yet. It didn't take them 7 days last time to send us a letter of foreclosure. It's been a month now, and we still dont have anything from Sirote. I am wondering what the hold up could possibly be? Can't obtain a clean title? Forged loan documents? Hmmm, one can only speculate until BAC releases the documents for the attorneys to review. BAC is also still doing collection calls, even though we have informed them that we have hired legal counsel. We even changed our voicemail greeting to inform them who our attorneys are, and give them the contact number. They are also informed on that message that we will no longer accept their collection calls. They don't care, they still call 3-6 times a day, 7 days a week. And, when they do decide to leave a message, it's an automated one of which we only get the same half of every single time. My attorneys would love to be able to prove a pattern of behavior against BAC. I am in dire need of people who are willing to come forward and give a written testimonial of their horror story, and have it notarized, for us to use in court. In return, I am willing to do the same thing for anyone, just for the asking. If we stand together and help one another, we can surely deliver a powerful blow! If you are interested in helping me, and I you, please feel free to contact me at dory@***.com or by phone at 256-486-****. Thank you.
15 comments
Lynn M Tyx
Philadelphia, Pennsylvania
Screwed by Bank of America's HAMP program
I was current on my loan but unemployed when I approached Bank of America about possibly getting a loan modification. They directed me to HAMP. NOw, as a result of the following directions to get into the HAMP program my home is being foreclosed. These "trial payments" are nothing but a loan scam. I am currently contacting members of the House and Senate Banking committees, and also going to actually draft legislation to be considered, but I want some ammo before I fire this gun. My email is . If you've been scammed by HAMP, especially through B of A, please email me and tell me your story. Thank you. Lynn
Loss:
$130
13 comments
stan Nkr
Moreno Valley, California
How B of A screws disabled and low in mind folks
We have proof: B of A was informed of a clients 14 yr old mental stastus at her age of 53. Still they sent her a credit card which she [promptly charged $3000.00 before they oulled the card. Julia recieves subsistance monies ofSSDI $800 monthly. They took her whole check ( as she recieves ssi in her account at B of A This act caused her to have to move out of a shared apartment to a large group home. after this informed cruelty, they temporarilly stopped any action although Julia still banks with them. Now we find the debt is back after three years of no follow through as they left Julia alone, B of A (ignoring past mistakes by themselves and fully informed of Julias mental condition, sold her $3000.00 debt to a collection agency fully against current credit laws. ) B of A needs to pay julia the three thousand for their practicing arrogance as, here again , they put her back in harms way
UnhappyBOA
Portland, Oregon
Bank of America has Terrible Customer Service
I started with Bank of America as a child and kept their services until just after college. I was unhappy with their many fees, but as I always had a steady job, I didn't have too much trouble with this. Besides, I just thought many fees were the norm. However after learning of their many illegal actions and the many cases both private citizens and the US government held against them, and frustrated with the proposed $5 debit card fee, I closed my account and went to a local credit union. After I had closed my account, I had some difficulty because a paycheck was direct deposited to my old, closed account. When I called Bank of America about this, they told me the funds had not been deposited and that they could not hold them for me when they were received. Instead the funds would be sent back to my employer. Working with my HR department, I found out that the funds had actually been deposited and that the customer service representative had simply not taken the time to look it up and lied to me about it. When I called them again, they were unapologetic, refused to help me, would not send the funds to my new account, and were in general rude and unhelpful. This was not the first time a Bank of America employee gave me false information. I was assured by the branch manager that foreign currency exchange services were offered during one visit to a BoA branch. A few days later I went backt to the same branch at the same time and spoke with the same person to deposit about $20 in Euros into my account. On this instance though, I was informed that only paper foreign currency was accepted (despite the fact that 1 Euro and 2 Euro are only offered in coin form), and only at certain times during the day. Thus, they were completely unable to help me with this service. I would have liked to have been informed of that before I dragged that heavy sack of coins around with me all day. In short, most of my experience with Bank of America was a case of trusting ignorance. When I learned the truth about their illegal practices and went with a new bank, they were unhelpful and rude to me during the transition.
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Bank Of America
BOA reported to Equifax that my mortgage was closed and that I owed them 45000 after my mortgage was brought out of foreclosure and current. This is after I received a letter from BOA that the loan was current.
I work for BOA. We are all not evil and unprofessional.
Unfortunately the situation you mention is heard by us time and time again. I agree, the process is so disorganized that I often commented that could something be so disorganized randomly? We hear complaints of lost faxes, errant foreclosures, mis-typed information, etc. A complete clean house in those areas is warranted.
Furthermore the government needs to keep a close eye on those departments, specifically foreclosure and modification to make sure customer's calls are being returned. Supervisors of teams need to be brought to task on their teams. They need to be checking with employees that their calls are being addressed, if they aren't, ask why? If the behavior is persistent, fire that individual and bring people in that will do their jobs!
As far as your problem. This is exactly what you need to do. Write out a letter, be very detailed and specific as to dates, times, etc. Use verbage such as "I'm talking with the Attorney General" or "I'm getting my attorney involved"...there is a reason for this.
These are trigger words which will invite an escalation. Make sure you say at the top of your page, Attention: Office of the President-Escalation. Demand to be contacted and present your phone number and specifically what you would like to see accomplished. Threaten to go to the media.
Sign and date the bottom.
Fax it here specifically 1-80*-***-****. Your issue will be opened as a case in what is now called "Customer relationship Advocacy" which is just a fancy term for what use to be known as "Office of the President." Follow those instructions to the letter and you will be contacted and your case will be opened.
I'm sorry to hear about your issues with BOA. They have done pretty much the exact thing with me.
The U.S. Dept. of the Treasury web info. says the banks are not allowed to refer our homes for foreclosure while the modifications are being considered, but they refer them anyway.
Mine is coming up on eight months, too. I meet all criteria for qualifying for the modification and they still haven't approved it. I, too, am on medication and am twice disabled. It is so stressful to not know where I'm going to live, if I have to figure out how to pack up my house, look for a new place to live - now with ruined credit b/c BOA specifically instructed me to stop making my payments or I wouldn't be accepted.
My daughter is now physically/psychologically suffering as well and has developed a nervous condition from the stress. I've written to several attorneys but it seems they are only interested in slip-and-fall quick money cases.
I guess no one wants to take on the big bad wolf. So much for BOA's "agreement" to do things right from their recent lawsuit.