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4 comments

Bank of america/military bank

I've had an account for several years, sometime this summer they made changes to the military banking, without telling me. I founf out after i tried to make a deposit at one of their ATM machines, I discovered that military accounts can now only do withdrawals. I was pissed, I went inside two days later they said I didn't have an account with BOA, they were rude, and charged me a fee. I couldn't call them on the weekend, even though the consumer account members can. How is that helpful to military? The thing that set me off was a comment "its not an issue for most of our customers, if you were deployed you wouldn't need an ATM"???!! Really?? I just wanted an appology switching to a new account at a new bank was a hassle but I'm so glad I did it.
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Author
Location
Livingston, New Jersey
Review #193429 is a subjective opinion of poster.
2 comments

Bank of America wouldn't work with us

In Oct.of 2008,I wrote a letter to Bank of America and told them of the hardship we were going through,I had just went from full time to part-time.I asked for help,what to do?I then had problems just like I stated to them in Jan.of 2009 making my payment.Everytime I contacted them they said we DID not qualify for a program at this time,call back next month.So I called back every month,till we finally had to file bankruptcy and after living in our house 14 years we lost it,Thanks for nothing................
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Author
Location
Livingston, New Jersey
Review #193172 is a subjective opinion of poster.
0 comments

Bank Of America in Chattanooga, Tennessee - Destroyed my credit and may cause me to lose my home

Applied for first MHAP in June 2009 to be able to make our mortgage payment on time which we couldn't due due to a fraud committed against us by a family member. We were never more than 16 days late. We were approved for a 6 month foebearance program with a 50 percent payment reduction by BOA. We made all 6 payments on time sent by certified mail with proof of receipt. After the 6 months were up i had not received any response from BOA so i contacted them and asked what i should do, i was told i was still under review and to continue sending in the reduced payment. I did this for an additional 4 months asking at least twice a month what to do with the same answer. After the 10 reduced payment i called and asked to talk to a supervisor or someone higher in management who could tell me what was going on. i talked to Tea Barrett for over an hour and she finally told me that BOA had somehow let my review fall thru the cracks and would resubmit me under the new OBAMA MHAP. I would have to start making my original mortgage payment while i was under review so that i wouldn't fall into foreclosure. Well guess what, for some reason that BOA can't explain i was put into foreclosure which under the rules of the program wasn't allowed to happen. Then 4 days later i get a letter from a law firm in Arkansa that a sale date was assigned. I immediately called BOA and was transferred to the foreclosure dept. and talked to them for an hour finding out that it shouldn't have happened and they would put a hold on the sale date till my review was finalized. i asked for it in writing but haven't received it yet.I have continually told BOA how could i be in foreclosure when i have complied with everything they have told me to do. They can't or won't tell me why. All they say is I will hear within a week about my modification and everything should be fine. This has to be a scam at the highest magnitude by a huge financial company that we taxpayers have bailed out and have yet to be paid back while they haul in billions. Where is our government, why aren't we being protected, where is the change we were promised. I would have been so much better off if i had just left my mortgage alone and paid the late charge every month instead of doing what i was told was the right thing by BOA and our so called government. I hope my attorney can get me out of this mess.
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Author
Location
Chattanooga, Tennessee
Review #192992 is a subjective opinion of poster.
1 comment

Bank of America is blaming county for escrow to be in the negative. County says it is the banks faul

We moved into our home July, 2007. It is now August, 2010 and I went to pay my mortgage (which has been the same since 2007). To my surprise it went up $755.00. I called Bank of America and they said wow your taxes went up, you should call your county and find out what is going on. I call the county and they said your taxes did go up but not that much you need to call the bank. We went back to the bank and here we go again. Bottom line is everyone is saying we owe but no one is taking responsibility. Imagine your mortgage jumping $755.00 more a month without your knowledge. I am so angry and I really wish there was something that could be done in the small consumers favor for a change.
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Author
Location
Albuquerque, New Mexico
Review #192656 is a subjective opinion of poster.
7 comments
About 6-7 months ago I've heard about home modification loans, contacted my bank, "ank of America" I was never being late or past due,I just had a hard times, they got some documents and said that I'm "ELIGIBLE"!!!! I was on trial payment and I have asked them...
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Anonymous
#508401

same thing happened to me. Bank of America even put our house on foreclosure and kept telling us wrong payment amounts! I found out nearly a year later that they have report...

Author
Location
Frisco, Texas
Review #192632 is a subjective opinion of poster.
0 comments

Bank of America-a rapacious pirate company

My spouse and I have perfect credit. We have no debt other than our mortgage. We do not make late payments. We use our BOA credit card for almost everything for the airline miles but pay in full, well in advance of the due date EVERY month so we never pay interest. And I've been a customer for many years. Well, it turns out that the outrageous fees BOA gets from all of the companies who accept their card every month is not good enough for them and they do not like long-term customers who never pay late fees or interest. So, one time when I was traveling for the funeral of one of my parents, because the death and the trip was sudden and came up while I was not home, not even in my own state, I decided to make an extra $3000.00 payment just to be sure I had plenty of room on the card. I did it over the phone and got my confirmation number. When I returned home a week later, I discovered the first payment of $3000.00 was credited to my account but then was debited from it a few hours later, but the same day. In and then back out of my account within a few hours. Before I even looked up all the details, I called BOA and I was told that I must have accidentally input a wrong number when I input my checking account routing number because the payment didn't make it through my credit union, thus the payment was debited from my account and my total went back up that $3000.00. While on the phone I did it again just be safe and paid the extra $3000.00 payment. A couple of days later, I made another $3000.00 payment, two weeks before my payment for that month was due. When I got my statement it showed that I'd paid $1500 more than I owed that month and I'd paid it two weeks before it was due. However, it also showed a "cash advance withdrawal" of $3000.00 at almost 30 percent interest, AND none of the $6000.00 I'd paid was applied to that, and neither was the extra $1500.00, which was applied to charges that came in the next billing period, so that I owed almost 30& interest on $3000.00 and interest on that too because it hadn't been paid off (since I didn't even know they were going to do that AND I didn't have any $3000.00 cash advance!). Both my spouse and I called BOA and I wrote to them twice. We were ignored, lied to, given the run around, and promised return calls never came. One customer service rep had the nerve to haughtily tell me they'd provided me a cash advance because I'd requested it. Each month, most of that $3000.00 was still there with more interest on interest, yet because it had only been numbers on computers, we didn't have the $3000.00 BOA claimed to have advanced us! We had to stop using our card completely in order to stop BOA from applying all of my payments to everything but the pretend $3000.00 advance so the interest charges would stop. In the end, it took a letter from our state senator to get the fake "cash advance" removed from our account and the return of the interest they'd charged us. BOA was playing a smoke and mirrors game with numbers in computers and charging us for a cash advance we never requested and didn't even have. (I asked them why they took BACK the $3000.00 payment if I had a cash advance? Why was I being charged interest on money they took back? Why didn't I have it? Never got a straight answer, just rudeness). Once our senator contacted them though, then all of a sudden I got a phone call and apologies. BOA deserved nothing from the taxpayers and should have been made to suffer its own financial fall-out from the rapacious policies that forced countless Americans into deep debt that had nothing to do with purchases, but everything to do with unethical, predatory practices. If the credit card companies and loan companies had not behaved that way in the last 12 years, most Americans would have been able to pay their debts. Don't think so? Well, if people like us had such an experience with them, what do you think happened to the millions who couldn't pay entirely in full, and the young who did not understand the fine print, and didn't know how to fight back? Oh, and if you are a college student or parent of a college student, keep a sharp eye on the school loans because the processing companies, like ACS, are doing the same sort of thing on school loans and students end up paying large sums of money they never borrowed and don't really owe.
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Author
Location
Anchorage, Alaska
Review #192567 is a subjective opinion of poster.
0 comments

Bank of America Runaround

After discovering an unauthorized charge on my BOA card while it was still pending, I was shuffled to their Fraud Dept. I gave detailed information clearly showing I didn't authorize the charge (I was offline the entire day when the transaction occurred) gave WHOIS info that showed the same company was running multiple phony sites, and thought I had demonstrated a clear case of fraud. The customer rep said she would send me the paperwork but instead I get a brief letter that states: "Thank you for being a valued customer. Based on our conversation it has been determined that we were not able to process a fraud claim regarding the transaction(s) on your credit card account. As a result, we will not be taking any further action regarding the transaction(s) at this time, and you will be held responsible for the charge(s). We appreciate your business and value you as a customer... (insert contact numbers and addresses for more of the same runaround)... We look forward to serving you in the future." Customer Advocate Fraud Department Yet the "dispute department" claims the charge is being disputed. Perhaps, this is just bureaucracy in action and BOA will do a charge back as promised. I've read they've wore customers out with this tactic, shuffling customers between departments, before. Meanwhile I filed a complaint online with the FBI and built my case for the written dispute that I will submit to BOA if their promises on the phone are empty. If they disallow my claim, I will take this to the ends of the earth, to every banking and law enforcement authority imaginable. I hate being messed with - besides I have no life and got the time.
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Author
Location
Fairfield, Iowa
Review #192358 is a subjective opinion of poster.
8 comments
I entered into he loan modification with Bank of America in June 2009. My payments were not behind. I just wanted to lower my payments. I did the trial payments for 3 months and again for 3 months and again for 3 months. They finally sent the final papers. I wish I had...
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Anonymous
#634725

In 2009, I had a credit score of over 700, was able and making my payments on time and without a problem. Entered into this freakin modification and 4 years later I am still t...

Author
Location
Rock Hill, South Carolina
Review #192200 is a subjective opinion of poster.
2 comments

Bank of America just emptied my entire checking account on payday!

They didn't just take "money", they took "everything". I am suddenly, and officially dirt broke, with negative sum in all accounts. My next paycheck is 2 weeks away. Rent is due now, I needed to put down a deposit with the electric company in order to open an account, 100% of my work usable clothing is being held hostage at a wash and fold across the street, I take a train to work, so the devil knows how I'm going to get to work, not to mention that little detail concerning daily caloric intake. Don't get me wrong, I could stand to lose a few pounds, and it could be much worse, I do have plenty of water. I'll survive, I'm sure. Despite the fact that Bank of America has just finished pounding me in the ***, my greatest concern right know is informational intelligence : I have no idea where I stand or what to do. It feels like garnishing my wages, contacting me about a payment plan, or even calling me to check if I was still among the living would all have been measures which would have allowed them to collect on their rightfully owed money while allowing me to continue to maintain a household, work, and ***, I'll say it, eat. As far as I can see, this was as fatal a blow to my livelihood as possible within their means. BoA shows up out of nowhere and pulls a "*** you and die" maneuver without even the decency to talk to me after sodomizing me, or even leaving me 15 bucks for a pack of smokes. Think about it, end of the month, things are due, payday with hard earned bonus coming in, life is good. Then all your money, including your direct deposited paycheck just evaporate from your account AND you are utterly guaranteed a tour of duty up ***'s creek for at least 2 weeks. Bank of America can't or won't give me any information about what is going on. Their loans department is closed for the day and I can't seem to find any tangible intel online regarding this situation.
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Author
Location
New York, New York
Loss
$3998
Review #191811 is a subjective opinion of poster.
0 comments

Horrible Customer Service at Bank of america

I was ready to buy things at the store when the cashier said my debit card waas declined. I was floored because I didn't have any other card or form of payment so I had to leave the store with other people staring at me. I called BoA and explained the problem. The girl, Amanda, was VERY vague in her answer and when I asked for her to clarify, she got an impatient attitude all the sudden and replied in a more confusing way. It ended up with me being snapped at for not receiving a new debit card which I had no idea of. I had to go through the trouble of reinstating the new number on all my direct deposit account, which took forever. I even had my phone canceled because of this mess. I work in customer service and I know how customers can be difficult, so I usually don't blab about bad service, but I ended up writing her a bad review about how she answered my questions. I'm looking for a new bank this very moment!
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Author
Location
New York, New York
Loss
$20
Review #191446 is a subjective opinion of poster.