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Bank of America's Modifcation...Not

Started the process in 2009 and I sent in paperwork almost every week for 12 months. Mind you the same paperwork, 3 months of pay stubs and my husbands self employment pay spreadsheet, taxes for 2009, 2010, 2011. Then after sending payments and paperwork until May 2012; BOA filed for foreclosure while I was being sent documents from FED Ex that my modification was nearing completion with projected payment amounts and dates to pay. I finally had enough and filed for bankruptcy to stop BOA clowns from owning what was my life. They are idiots. Good luck to all who enter into BOA domain. Commercials are a joke. Cash back really...I really miss Countrywide...at least they were nice!@@@
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Author
Location
Louisville, Kentucky
Loss
$15000
Review #381227 is a subjective opinion of poster.
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Bank Of America in Miami, Florida - No one is ever on the same page

I normally go to my branch in NMB but I was near the 135st branch and decided to go in the lobby. The process I went through with the Chinese lady to withdraw 1600 was crazy. Can you believe she asked me where the money came from , why I need it.She than called supervisor to verify what ever needed to be verified and the lady lloked as if the language on the computer was chinese!!. After everything I was than told to go back to my branch(seriously after 20min +10 min of waiting in LINE)I stormed out went to my branch I withdrew with no problem WHY COULDN"T THey Do it at the branch????. It's as if each branch has there own porcedures. I closed my act a month llater!!!!!!!!!!!!!!!!!! Best thing I ever did
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Location
Miami, Florida
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Review #380975 is a subjective opinion of poster.
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Bank Of America in Highlands Ranch, Colorado - Refinancing

Bank of America financed our home and when I tried to get it refinanced they put us thru ***. I started the process in February 2012 and gave up in August. Every time I turned around they wanted one more thing, then another thing and this went on for 6 months. I was passed around to so many people during the 6 months I didn't know who to ask for anymore. Nothing in our lives had changed, we still had the same jobs, no new debts yet this didn't matter to the bank. I will never do business with bank of America again....
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Author
Location
Highlands Ranch, Colorado
Loss
$495
Review #379212 is a subjective opinion of poster.
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Bank Of America in Phoenix, Arizona - $15.00 fee

I received a statement with an additional fee owed of $15.00 which it didn't say what it was for so I contacted Bank of America in November and I was advised it was for processing payment over the phone. I told the rep I made my payment using the automated system which automatically takes it from your account. I was told it would be removed. It is now Jan. 2013 and the $15.00 fee is still on my statement. I have contacted B of A 4x regarding this I can never talk to a manager. I called 1-22-2013 talked to a rep who stated the reason I am being charged $15.00 is because I was late on a payment.( What happened is my payment increased which I didn't know so I shorted the payment by $50.00 which I took care of immediately when I found out)So the $15.00 charge was for a representative to come by the home to see if it was still occupied. I could see if a person is 6-9 pmts behind or in foreclosure but for not sending in the full amount. I advised if they would have gone thru our history of payments we have been current for 3 years. Just another scam B of A is doing to get money. Its not about the money its about the principal...I could pay the $15.00 but how many other people are they doing this to
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Author
Location
Phoenix, Arizona
Loss
$15
Review #378982 is a subjective opinion of poster.
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Bank Of America - Bad check bank cleared to b ok n cashed it

Was told had protection on my account cashed a check that was bad I guess they never told me it was bad n they stole my only funds left n my account to pay for sum fraud billshit I had no part of I hate u bank of america. they didn't offer to help me or really even proceed to tell me my *** account was that far n the whole n still with this negative balance im still b n *** by purchases sum how just now posting to account made long enuff b for this *** wow hate u bankers
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Author
Loss
$4880
Review #377568 is a subjective opinion of poster.
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Bank Of America in Concord, California - Mortgage run around no talk to to get truthfull responce

I was put on a 5 year intrest only with the promise of future help at that time I owed 579. this was in 05 with countrywide in that time my loan went to bac home loans and then bank of America N A then to aurora msf lehman lx I have been in the mod qualification process since 09 and been told i qualify but then every time it seems before the final time they start with resend the same info month after month asking for past 3 months P.&L. well on 1 occasion i leave out 1 blank page from my bank statement so im denied modification yes this was also a repeat blank peace of paper received no less then 2 times prior so back to the start well of course before i can meat the deluge of repeat papers game the loan is sold again and then im told that a third party owns my loan and that they are not taking part in this mod process ive done research that states that the deed holder of the loan must contact with all there info this has never happened once and in fact this is case law in ca. please help my loan is now 606 my house value is 470 cms.64@live.com
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Author
Location
Concord, California
Review #375883 is a subjective opinion of poster.
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Bank Of America - The Worst Service Ever and Still happening

Here's my B of A story. So I'm 54 years young, I started my credit when I was 16 year old. I bought a trailer home when I was 18 years old. I have owned close to 20 cars and many of them on credit, I NEVER missed a payment. I have had over 30 credits cards and NEVER missed a payment. I have owned 30 Motorcycles many on credit and NEVER missed a payment, I have owned at least 7 homes in which I paid a Mortgage on and I NEVER missed a payment. I missed a total of 5 payments my entire life all in them in 2012 to B of A cause I lost my job in May. Now I cannot even get a credit card from a bank. My credit score was in the 800's and now in the low 600's. I paid you (Bank Of America) every dime I owed you in those five months and more because of penalties and interest and this is what I get? Where is the forgiveness our Gov't talks about for those that lose their jobs and cannot afford a mortgage payment? Why wasn't I offered a month's forgiveness when I called the bank and told them my situation? Instead during the five months I find a job, and re-locate to Minnesota, rent a place to get me feet back on the ground and then I pay everything I owed to the bank and more because I re-instated my loan. I then move back into my home in New Mexico and this is what I get. During that time the bank not only ruins one short sale offer but two because they hiked the asking price to the buyers after they waited two months for an answer on their offer yet the offer they put in was exactly what the bank asked for. Seriously folks, ask yourself what more can I do. Now my credit report says I have a foreclosure that started and I cannot get it fixed . I'm declined my first credit card in my life because of this how the bank reports me to the credit bureau. I call the BofA to NO avail , I call the company I applied to get the credit card from in which I keep my money with to NO avail. Oh so sorry too bad, they tell me. Again folks my credit score was 840. I NEVER and I mean NEVER missed or was late on any payments in my life. WOW, un real. It really make me wonder why I just didn't move back to my house in New Mexico , stayed not paying them the $2100 a month payment and lived free and clear until I was thrown out of the house. I have learned a valuable lesson and I want to share this lesson with anyone out there in the similar situation. If you're in the shoes I was, just stay not paying because really there is NO incentive to continue or make up the payments. I cannot even get a home loan modification or a re -finance because from this very same bank because I missed 5 payments. Really? seriously? unreal.
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Author
Loss
$20000
Review #375059 is a subjective opinion of poster.
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After being laid off and on unemployment for almost 2 years, I started work late Dec 2012, I received my Payroll Check, it was a Wells Fargo account, not wanting to pay the $7 cashing fee, I decided to deposit the check into a local Bank of America branch, it was full...
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Author
Location
Los Angeles, California
Loss
$3000
Review #374862 is a subjective opinion of poster.
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I had my last chance to do anything with my Bank of America mortgage a couple days ago. When the circuit court judge gave me 10 days to move out. My biggest reason for staying is that I was never told by Bank of America customer relations manager that my house was for...
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Author
Location
Danville, Kentucky
Loss
$25000
Review #374814 is a subjective opinion of poster.
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Bank Of America in Boise, Idaho - My Modifuckation

Dear Bank of America,Thanks for the modifucation, It has now been over a year since I embarked on this on journey. I naively believed that you were really going to do what you said you were going to do. After some 13 applications I hired a professional who confirmed that I met all of the criteria that you had asked for to a "T". Interesting how you could lose all of those documents so many times. When I sued for discovery you produced less than 2% of the documentation I had asked for. Curious, in that documentation I found my signature forged and notarized in Los Angelas, California. Problem is I have not been In L.A for some 15 years, the forgery looked nothing like my signature. Even though you have been completely fraudulent in all your dealings My council has advised me that I will never Prevail as you will continue to sue regardless of merit. I have found this to be true and have now exhausted my funds to continue to fight. The end of January this house will be yours. However the 11 years that I have lived here and entertained friends and family who I have created incredible memories with will always be mine. You on the other hand have created some very wicked Karma for you and your unfortunate employees.see ya wouldn't want to be ya!
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Author
Location
Boise, Idaho
Review #374068 is a subjective opinion of poster.