Guy Mvl
map-marker El Paso, Texas


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!
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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.

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map-marker West Hartford, Connecticut


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: Save and Share this URL:!/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.
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Amanda you are ignorant and your statements are irrelevant. Clearly the facts are escaping reality for you.

A year later we see corruption surrounding banks and the HARP program and several persons finally going to prison and yet for me it is not enough. Those who lost the shirts off their backs must be compensated as well. Honor integrity and accountability where does it come in for the victims who were blindsided and lead to misleading financial slaughter? The laymen need the power of the good people to band together. Don’t do business with BOA; find a better way a better bank.

When thousands of home owners are removed through illegal foreclosures while the government turns a blind eye, whom shall we :? turn to for justice?


We, the public, could put a stop to the *** that Bank oa America pulls on its customers by NOT USING THEM. People, FORGET about banks.

Go to your local credit union and do business with them.

Most credit unions are member-owned, so that YOU as a member benefit from their revenues. They will WORK to maintain your loyalty.


Amanda...Shut TF Up. Banks only make decisions that best serve our communities when congress requires them to do so.

BILLIONS were given to the banks by THE PEOPLE to help our communities regroup and reload. The banks have taken our money and turned their backs on the people. My comments are not driven by emotions. Nope.

I am very versed in ethics, leadership, and believe it or not, I am a very strong conservative. But, the truth is what it is! Bank of America took our money to help Uncle Sam help us.

So Amanda....get out of your academic world and factor in "we the people" are now part owners of BOA. BOA should simply DIE!


Amanda...Shut TF Up. Banks only make decisions that best serve our communities when congress requires them to do so.

BILLIONS were given to the banks by THE PEOPLE to help our communities regroup and reload. The banks have taken our money and turned their backs on the people. My comments are not driven by emotions. Nope.

I am very versed in ethics, leadership, and believe it or not, I am a very strong conservative. But, the truth is what it is! Bank of America took our money to help Uncle Sam help us.

So Amanda....get out of your academic world and factor in "we the people" are now part owners of BOA. BOA should simply DIE!


Trying to get anything with Bank of America is impossible. Hiring a lawyer to sue these corrupt people.

Impossible to work with them without a lawyer to fight for you. HATE BANK OF AMERICA.:(


Let them fail, and let the next banks move up to replace them ... it's the American way.


No link for signature.


No link for signature.


Banks are not "obligated" to give you a loan modification. The truth of the matter is that you defaulted on a loan you agreed to the terms of by signing your name.

Should we now stop paying our bills and start signing petitions against the companies we signed contracts, loans, leases, etc? are times hard? is the economy horrendous? is your $400,000.00 home now worth a third of what you paid for it?


However, we do not have the right to get mad at the banks for doing their job. Loan modifications are a privilege not a right.


this amanda *** must be in the pockets of these banker criminal *** listen *** a bunch of us followed their rules we gave them paperwork we did everything they asked for and they bent us over alot of us hard honest working americans lost our jobs and yet this *** goverment bail their *** out so *** off and have a good day

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map-marker 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.
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map-marker 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!
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smartipants c
map-marker 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.
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map-marker 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!!!!!!!!
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comoongoddess W
map-marker 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.
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Yep, Bank of America is shafty for sure. They just got me.

They were refinancing my mortgage loan, they messed up the papers so had to reschedule the close, then told me I was past the 120 day credit report period and since my score had dropped could not help me. In the mean time they told me not to pay my payment since we were closing, so now I have a late payment on my record. Now I will have to wait for my credit to go back up along with the interest rates. I would have saved almost half the rate I had been paying them for the last 15 years.

They are an unethical company.

They should be ashamed for ripping people off. :cry


The one thing we are all learning about B of A is that they make mistakes that will benefit them and hurt the consumer. Surprised they are still in business.

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map-marker 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.
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They did the same thing to me and I didn't even ask fro a credit line increase. I just asked to have the credit line moved to a lower interest card.

The closed the lower interest card and lowered the credit limit to (within $300) by $5,000. Good paying customer. Never late.

Always pay more then double the minimum payment. They are total ***.

map-marker Kissimmee, Florida


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.
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Josh C Vat
map-marker 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.
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JeffandGina E
map-marker 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.
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Skyelar Xbt
map-marker 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.
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As a former BAC employee, I agree that things are messed up there. I was terminated in 2010 due to not handling enough calls. I took the time to try to help & it bit me in the butt.


I have one for you. We have a modification, it was made permanent in sept 2011, we had made our first modification payment on July 2011.

We have been in good standing, our monthy statements look normal and we make our payment over the phone every month to a live rep. So a week ago we get a notice of trustee sale on our door. we call B of A and they say they don't show a sale date and we are current, our house is safe. We cal the trustee QLS (Quality Loan Service) thy inform us that B of A has not updated the LPS to show we are current.

The LPS is B of A's system and they can't connect me to anyone who is authorized to access it. So we go and see an attorney because we are being kept in the customer service pool where they can't help us but transfer us to another dept who can't help us until I got transferred back to the original dept that took my call in the first place.

so we see a lawyer and to retain him is $5,000 and he is just going to hound the higher ups in the bank until they give in, so he suggested that we do that, the second option was to file an injunction to stop the sale, which will occur in 2 weeks, but that will cost $7,500. Since we can't afford an attorney we have to cross our fingers and try to get the bank to fix the mistake that they can't see needs to be fixed because all that our loan shows is that we are current and not in default.........So why then is our house going to be sold!!!!


I will add this to my lengthy post....go to your county records office, land records office, and every other office in your county/state that holds public records on mortgages, land, etc. Find out what has been filed on your property.

Many states have their land records online now. Do your research!!! Look in particular for Assignment of Mortgage documents, Lost Note affadavits, and check your tax records to see if the SERVICER has put the taxes into THEIR name. Check the dates on these documents very carefully.

Compare the signatures attached to each document. In some cases, if not many, you will find that signatures do not match, dates don't add up, and documents were filed AFTER foreclosure proceedings already began on your home. And if MERS was listed as Mortgagee or Nominee on your mortgage, well, we all know now that MERS doesn't have the legal right to foreclose on anything! They never lent you a dime, have no official interest in your property, and there is plenty of good case law out there for the world to see that can back this statement up.

Most of the time you will find, at your county office or land records office, that an Assignment of Mortgage was filed, by an "officer" of MERS, that was filed AFTER your foreclosure began. Folks, this is a huge, colossal NO NO! An Assignment of Mortgage should have been filed on every single property, when Bank of America obtained the rights and interest to the property, but never was. A majority of the time BofA had the foreclosure attorneys to draft these documents, as officers of MERS, vesting over to BofA all title and interst to your Note and Security Instrument, and here's the kicker...the first three words on the Assignment of Mortgage read "For Value Received".

What value? Filing an Assignment of Mortgage after foreclosure proceedings have begun is against the law, as a few good ppl have posted on here. Most of the time you will find that absolutely NO assignment of mortgage was ever filed, before foreclosure or after. And we all know, through watching the cases being fought in our judicial system, that MERS doesn't have the legal right to foreclose on ANYthing!

They never lent you a dime, nor do they reap any profit from foreclosing on your home. MERS officials have been asking Servicers and Lenders to stop foreclosing in their name now for many months.

So, if an assignment of mortgage HAS been filed, and it reads "For Value Received...", exactly WHAT VALUE did MERS receive for signing your property over, after foreclosure proceedings began? The world may never know!


Thank you for everyone who has commented on my post.

Bank of America and every other bank have proven, many times over, that loan modifications do not work!

Modifying a loan is only a stall tactic, on their way to taking your home. We all know they have filed fraudulent paperwork, have used Robo-signers such as LPS and their company du-jour DocX out of Alpharetta, GA to dupe homeowners into thinking that the paperwork is real. They lose loan modification paperwork time and time again. They stall the homeowner for months, and then file foreclosure anyway.

This is wrong folks!!!!The fact of the matter is, this is one of the biggest ponzi schemes America has ever seen. The funds for your so called loans never made it to a "trust", servicers are collecting payments and aren't authorized to do so under a Pooling and Servicing agreement (PSA)that probably never existed due to funds not making it into a Trust, and your reported "lender" really isn't your true lender. Can anyone say RACKETEERING? I have been fighting the battle with this bank, and one of the things I have found out is you CANNOT track the paperwork, but instead follow every single transaction!!!

Follow the money ppl! Demand to see a full account of your payment history, and demand from the bank or servicer to see an account ledger of how your payments are applied and to whom they send those payments to!!! Does the servicer keep the funds? If they do...woah nelly!

They are your lender! Not Freddie Mac, not Fannie Mae, not another pretender lender! People, I am not giving up my home without a fight. I don't care how long it takes.

What these banks and servicers are doing to people is morally and ethically wrong, and if we, as homeowners, roll over and take the punches, we are submitting to the fraud, racketeering, and every other charge that these banks are accountable for. One of the other very important things you can do to put the ball back into their court is to DEMAND TO SEE THE ORIGINAL WET INK NOTE TO YOUR HOME!!!!! Write yourselves a nice letter, demanding for the servicer, and any other entity claiming to hold interest to the Note and Security Instrument, to cough it up and let you see it!!!The servicer must comply, within 60 days of qualified written request, and they have to put your lender or your debtor in these cases on point. Most of the time you will find out that your original wet ink note is lost or conveniently "misplaced".

Allowing the Note and Security Instrument (your Note and Mortgage to be more specific) to become separated, in some states, makes your debt null and void. The wording is there, for the world to see, in your Security Instrument. The two cannot be separated, and if they are, your debt is nullified. Lastly, the servicer nor the "pretender lender" cannot foreclose on something they do not possess a NOTE to.

Let them try, especially if you have obtained written notification from your servicer and your "lender" that they cannot provide or do not possess your original wet ink note. You can haul their *** into court and sue them for SLANDER OF TITLE, among other violations (I'm thinking RESPA, TILA, RICO, detrimental reliance, TCPA, FDCPA and a few other choice violations). Go after these banks, and do it big! One person, pointing the finger, won't do anything.

But if we as homeowners ball up our fists and fight, we can and will strike a mighty blow!!! If enough homeonwers stand up for what is right and just in this country, these banks will fall, one by one.

The sad reality is that only 5% of foreclosures are contested in this country. Don't walk away from your American Dream...


As some who went through a similar situation and dealings with BofA, I can assure you in the end, no matter how many calls you make, or how much money you send in, the result will be the same, they will eventually foreclose on your home. For those who hire legal counsel thinking it will help, unless your claiming bankruptcy, you are just delaying the inevitable.

The realty is, you need to try and sell your home or just walk away from it. Not trying to be negative, but thats the way it is and has been for those trying to get loan remods from BofA and many other banks.


Nobody gets approved for this LOAN MOD. Get out while you can !!!

You will lose your home and your savings !!!

This is a HUGE gov. scam and BAC is taking full advantage if it !!!


After Bank of America took over some of the Countrywide Mortgage loans (mine included), BY LAW they were supposed to file a signed and notorized ASSIGNMENT OF MORTGAGE with the local county Recorder of Deeds office. This document would prove that Bank of America is the LEGAL "note holder" but they have not done this.

I've gone through the Recorder of Deeds office and Bank of America has not filed anything saying they are the legal note holder of my mortgage. Bank of America is completely out of control and their business practices are questionable.

I can't wait to get my house sold and out from under them. I will NEVER do any business with Bank of America.


Did You get denied for Home Modification ?

Are You In Foreclosure ?

Are You Behind on Your Mortgage ?

If you have fallen behind on your mortgage as a result of a loss of income

and can't refinance your mortage due to loan to value issues, I can potentially

help you avoid foreclosure!

We also specialize in Lawsuits,chapter 7 and 13 Bankruptcy,affordable and professional.


Help is only a phone call away!

Contact us!!!!! 212 709 ****


I have given up trying to figure out the *** that work for the "Customer Service Department" at BAC Home Loans Servicing, LLP! The payment history they insisted on sending me is a complete mess.

I, too, received a check for $309 from them for overpayment on my account, yet they claim I am in arrears...go figure. They have more than doubled my payment, and they can't get anything straight. The last straw was when I received a Letter of Intent to Accelerate.

I contacted an attorney in Houston who has agreed to take my case and make BOA pay the legal fees. I encourage any of you who are having these issues with BAC Home Loans or BOA (it's changing July 1, 2011) to contact The Trevino Law Firm at 713-341-****.


I have been trying to get a home mod worked out since end of 2008. I have struggled month after month trying to get some answers and get the *** loan modified.

I have been given you've been approved to you do not qualify. I have had my NPV values keeping me from modifying and have had those appealed. I am now in year three????? waiting to get modified.

They are now currently waiting to see if I qualify again.... again???? before they move my request to underwriting. I've talked to too many BAC people.

They are playing the waiting game. Hoping I give up and move on. I am going to be as pesky as I need to. These people need to be taken down.

They take government help but don't use it for what it is intended. I am going to be looking for a lawyer too.

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Lynn M Tyx
map-marker 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
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I have read these posts and several more out on the internet. We also applied for help after I lost my job of 10 years and my husband was on seasonal layoff.

We did everything correctly and timely (as my case person indicated) and when we were approved for the "trial period" I felt a great relief. After the three month "trial period" I was told that they were "behind on paperwork" but to continue to pay the modified trial payment until we received the final documents which we received three months later (total of six months). Now you need to remember that while you are paying the "trial payment" the difference between the trial payment and your actual mortgage still accumulates (i.e. actual mortgage $1000 - trial payment $800 = difference of $200 which continues to accumulate and show as a past due on your mortgage as each month goes by).

When we received our final documents we found discrepancies -- we had applied money towards our past due balance but that was not figured into the new 30 year mortgage, they use the balance before the applied money and we received a "subordinate note" that would come due if we refinanced, sold or paid off the mortgage -- but the subordinate note was for the past due amount that we had already taken care of. I tried to get someone to explain the documents to me but went through one department after another who couldn't explain the documents, made calls but did not get calls back, etc. etc. etc.

I have been going through this for five months, obviously they are now telling me that our final documents are now not valid. I could go into more details, like how I was told to just "make notes" on our final documents regarding the difference I found and send them back. I asked that if I made changes on a legal document wouldn't both parties have to initial off on them? I was told no, it's okay, the BOA person would make "notes" on our account and it would be okay.

Seriously!? I know better. I finally contacted the Department of HUD which is who the subordinate note would be payable to. I have been amazed at the response I have received from HUD, timely calls back, email responses, great follow up, etc.

Being a "loyal customer of BOA" I never received this type of customer service from BOA!!!!! The people I am working with at HUD saw the discrepancies in the documents and are now my go-between with BOA -- the company that I am a "loyal and valued customer" but who can't call me back, respond to my emails or provide quality information when requested. One thing to remember is the comment I made at the beginning of my post -- they were "behind on their paperwork". After receiving our final documents which was in December and after three to four months trying to get someone to explain the issues I found, BOA told me that they couldn't update the paperwork because it was created in May!

Then why did it take six month from the start of our trial period to receive our documents? I don't have much faith in BOA at this time and don't think I ever will, but I am thankful for the people I am working with at HUD for their assistance and persistence in looking into our situation. FYI -- another agency to call to report problems is the State Banking Commission. Please, Please read your BOA documents before signing off on anything!

If we had not really looked over our paperwork we would have been paying the past due amount that was paid twice! Once in the new 30 year mortgage and secondly through the subordinate note that we were being pressed to sign. Saying prayers that we don't fall into the black hole that most Americans are falling into. And just an FYI to the AllWhiners post -- we were not in over our head, we live in a modest house that we could afford, we don't over spend and never really did -- the loss of a job due to the economy and getting a new job making $15-20,000 less starts to put you in a tail spin that is hard to stop.

We tried to hang on for a year and a half but couldn't pull things back to where we could keep above water.

We never thought we would be where we are today and I won't stop fighting to keep our home. Good luck to everyone dealing with similar circumstance.


Read the HAMP paperwork very carefully. There is a huge balloon payment due at the end of the load period.

We had a $178,000 balance when we signed up for it.

With the HAMP program I would have a balloon payment of $118,000. This is a SCAM that favors the lenders.


They dont care. I would read hardship letters written over and over again dated back to being requested not once but ten times and not being reviewed.

No one cared at all.

Loans not being worked on or reviiewed. Then employees saying that it was all a they fired all of us and I still ask myself..where are the uw and how many loan mods were approved..never knew and never will.


Our law firm is currently investigating HAMP abuses to see about potentially filing a putative class action complaint. Please email me at swoodrow@***.com for a review of your facts.This message may be construed as attorney advertising.


You people do realize that you have to meet certain criteria to be eligible for a HAMP mod right? I highly doubt B of A wants your property through foreclosure, and would rather mod your loan.

Stop blaming Lenders and banks for your misfortunes. Not all, but most of you people bought a property outside of your means and now want somebody to pull you out of the deep end. Also, you have to understand that modifications are designed to bring you current and avoid foreclosure, not necessarily to lower your monthly payments. For example, if you are 30 payments past due, the debt doesnt disappear, the past due amounts get capitalized on your unpaid prinicipal which may make your payments higher BUT you avoid foreclosure.

Avoiding foreclosure is what HAMP is designed to do. Also, B of A may not even be declining some of you. It may be your investor if B of A is just your servicer. I dont know..

some of you people sound like whiners to me.

Oh yeah, I recently got a HAMP mod through B of A and found out that they need updated financial documents every 60 or 90 days, which is why they request you to send them sevral times. Again, not B of A rules, but the governments.


Allwhiners, YOU do realize that HANP IS meant to knock off alot of the interest to bring down your mortgage payments each month, AND,if you successfully make your newly modified (lower mortgage payment) for three months, the lender paticipating in the HAMP government program is suppose to PERMANENTLY keep your payment at the new modified amount through out the life of the loan!! As for your very IGNORANT comment about getting in over our heads, does SUB-PRIME loan ring any bells?

People like you make me sick.

Your mind set is " As long as I was able to rip people off, use and abuse them for profit, I don't care how they make it, who cares that they work every day and try, as long as I am doing well who cares." You are a pathetic little person with no brains. I do feel SORRY for you though.


David Puzniak

Mortgage Loan Officer

Bank of America Home Loans

628 North New Ballas Rd

Creve Coeur, MO 63141


Office: (314) 994-****

Mobile: (314) 486-****

Dear David Puzniak & Bank of America:

I will be sending this letter to anyone who will read it and listen to the injustice that we have suffered at the hands of Bank of America and Freedom Mortgage. My intent with this is to have Bank of America honor the agreement that they had made with my husband and I in 2010 about streamline financing my current FHA mortgage with Bank of America. And to also make Bank of America fix some of their current processes that harm families like ours. Below is an approximate timeline of events:

November 2009- We received a postcard in the mail from a company called Freedom Mortgage offering to refinance our home with a new FHA streamline refinance and save us on our interest rate and monthly payment.

November 10 2009- I spoke with Freedom Mortgage about the postcard that was sent to me and to ask questions about how it worked. They said no credit check, no appraisal and no closing as long as I had made all payments on time. I told them sounded good I would speak to my husband and if we were interested I would call them back. They asked if they could send paper work to look at and I said yes in case we decided to accept the offer.

January 5, 2010- We get a letter from Russ at Bank of America offering the same thing that Freedom Mortgage was offering. We called Bank of America because they are our current mortgage company and we thought it might be easier to deal with since they had all of our information already.

February 2010- I call and speak to Russ and ask so questions about their program. He assures it will be very easy and we should consider the offer. I tell him I will speak with my husband and call him back. So a few weeks later we call him back and talk to him on three way together so that Jason can ask the questions we has as well so we can make an educated decision. After speaking to Russ Jason feels confident and says we should proceed. So we call Russ and ask him to proceed.

March 2010- Russ calls and says he needs to go over the numbers again because something is wrong in the escrow numbers and that our payment is about to go up to $1800 a month. He says it’s good we are going to refinance now so we can get the payment down. We are concerned with the payment going up because we are trying to lower our current payment to get out of debt and pay off some bills. So now it looks like we need to refinance just to stay afloat much less pay off bills. I feel bad for people in our shoes that don’t have two incomes to fall back on. I think no wonder there are so many homes in foreclosure. It saddens me.

May 2010- I tell Russ we are going to be out of town and ask if he knows when our closing date will be since we are getting close to 90 days now. He says we will get it all done when I get back in town.

June 2010- When we get back in town Russ is on vacation. I leave a message. When he calls back we ask him about a cheaper rate that is being offered. He says ok he will look in to it for us. He calls and leaves me a message to call him. I call and leave a message for him.

July 2010- I call and leave messages for Russ. He calls me back once and leaves a message for me to call him. I try him back but have to leave message again.

August 2010- I leave message after message for Russ to call me. We really need to get out mortgage closed badly. Finally I call one evening and ask for him, they don’t put me on hold and I hear him say, put her into my voice mail I don’t have time for that crazy lady. I ask to speak to his supervisor immediately. Dave Puzinak gets on the phone and I explain what has happened. He apologies but it seems like he is just sorry that Russ gets caught saying it, not that he really is sorry that he did say it. He says BOA would like to keep my business. So I agree to proceed.

September 2010- Dave sends me new papers with the new rate on it and says the processing has to start over because of the new rate. So he says we won’t close this month either.

October 2010- Dave says we missed our window for this month as well.

November 2010- Dave says we can’t close this month because there is a very short window they have to close these loans. And they must be done by the 26th of the month and they are shorthanded and can’t get the paper work processed and completed for this month. I am very disappointed. I even file a better business bureau complaint and they offer me a $25 gift card for my trouble and say it will be done in December for sure. I call another mortgage company to see if we can get it done quicker and to see if I am being lied to. They run my credit and say they can’t help me because my credit score is too low to finance with them. They suggest I continue on with BOA since there is no credit check required.

December 2010- Dave calls for my bank statements so I send them to him. He calls me and asks why I have deposited a $2000 extra in my account. I explain that it is a loan for our Christmas vacation. He says we can’t close because they will think its borrowed funds for closing. But I tell him I have the money to close even if that had never been borrowed and he said yes but that would be too much paperwork so we should wait till the next month. I am beside myself at this point. Money is really tight and my payment is supposed to be more than $300 cheaper a month. And every month I get further and further into debt because I can’t get my house closed and my payment lower. I am scared I am going to lose my house at this point. I have 5 more people in my household to take care of.

January 2011- I call Dave and ask about closing date. He says once again we need to wait one more month till Feb 15, 2011 to get bank statements in with now extra money added to my account. I am livid. I fuss and complain but he says there is nothing he can do and it will be done next month for sure. There is nothing I can do except comply, BOA has my family home in its hands. I pray they can fix this next month because I don’t know how much longer we can hold on to this house without the refinance.

February 2011- I get an email from Dave today saying not to forget to send him the bank statements on the 15th so we can get moving and not miss that window again. I am super excited that he seems to be being proactive. Then 3 hours later I get a call that says he needs me to call him. I call him back and he tells me that because Freedom Mortgage held on to the file or application for 4 months, I am no longer eligible for the no credit check offer and they ran my credit and it’s too low for them to do the loan. I was devastated. I only spoke to Freedom Mortgage One time. I never signed anything or told them that they could do anything. They had called BOA for a payoff quote which I had to pay for even though I had not authorized it in anyway shape or form and they changed my designee on my homeowners insurance through State Farm. How can a company do that? Isn’t that an invasion of privacy? Don’t I have to sign something giving them permission to do all that? And how can BOA back out of a deal just like that? Should they not have to own up to their agreement? Dave has said now after this whole year that it’s Freedom’s fault, I am sure if I call them they will say it’s BOA’s fault, but ultimately my family is the one who suffers because now we cannot refinance our home and will probably lose it because we can’t pay the note every month. I thought President Obama’s mortgage reform was to help people like us, but it has not. So it’s either his fault, the FHA (that’s the other place BOA blames), or one of the mortgage companies fault. But of course I am sure no one will fix this or take the blame. My husband and I both work in education and I thought we were pretty smart people but for the life of me I cannot figure this one out. When we first purchased our home our payment was $1500 a month to Taylor, Bean and Whitaker and we could afford it. We had plans in two years to refinance. Then we get a notice saying they are closing down and Bank of America now has our loan. Then last year for no reason we can understand our payment went up to $1841 but our taxes went down and our homeowners stayed the same so why would it go up?

I am going to send this to everyone on my email list and my face book to let my family and friends know of our injustice before we lose our home so that people will already now it was our mortgage companies fault. I am also sending it to anyone I think might be able to help me get the word out to help some other poor soul from putting their trust into either of these companies. It is wrong what you have done to my family. I hope you open your eyes and do the right thing or that the FHA or someone higher up can step in and make you do the right thing and correct this mistake you have made for us.


FYI...After being laid off last year I followed up with B of A for assistance. What I found out first is that most home loans are processed through Fannie Mae or Fannie Mac.

In my case my B of A home loan was through Fannie Mae.

For over a year I followed B of A lead and applied numerous times, which I was denied four times for loan I did a little reserch I found out that as of 2010 Fannie Mae does not consider (CA) Unemployment Benefits as valid income for any type of loan modification programs. Basicly, I wasted a full year applying for loan modification programs that I never qualified for to begin with...At this point its a forbearance, or CalHFA MAC (CA only).


20 trial payments... lost paperwork over and over and over,,,

now they tell me in a one page letter with a box checked that says

guideline, I am declined.

I know I qualify.

Any ideas? Shall I just sue them?


Bank of America Corporate Contacts

Contacts in the corporate offices of Bank of America

The following are contact numbers and emails for the corporate office of employees whose job is to specifically address all complaints on behalf of the company.

If complaints are not answered or provided adequate attention, I would suggest going online and filing a complaint with the OCC, Office of the Comptroller of the Currency, the agency that regulates national banks

The corporate office MUST respond to both the consumer and the OCC. So if you are unable to get your issue resolved or feel there is questionable behavior or handling of accounts, I would go directly to the OCC or call/email a BOA manager. Better yet cc everyone on the list; calling is always a good option as well, as sometimes the issues can be resolved immediately.

Evelyn Upstill, manager



Susan Smith, manager



Renee Holmes, manager



Kasey Dressler, manager



Christina Yuschak, manager



Scott McGhghy, manager



Cassandra Dejurnett, asst manager



Norma Adams



Karin Herndon



Claudia Amaya



Bridgett Loya



Derek Kaltenbach



Celestina Burresch



Andrea Lowry



Yvonne Gonzales



Janelle Worthen



Adriana Valdez



Kerrie Roberts



Carlos Pena



Asuncion Ngaosi



Additional #’s








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stan Nkr
map-marker 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
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map-marker 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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Very similar experience but today was the worst they outright removed a name on my acct without my knowledge or consent. Then they acted like it was my fault.

The branch manager was unbelievably rude.

I've been w this bank since the 90s first acct out if college etc and they could care less about how much business you've done with them. I'm going to a credit union.


I agree with your assessment of Bank of America. They have little interest in customer service.

One way this is reflected is in their stock price, down 89% in 5 years, and in their need to be bailed out by us. Glad you switched to a credit union.

I have been a credit union member for over 20 years and have never paid a fee. Ever.

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