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Bank of America lies to us about wanting to help.

I have been working with B of A to try and get some relief on our payment which is close to 2,000 a month. After many hours they agreed to meet with us at a branch to discuss our options on Aug. 20th. I just got a letter in mail stating they sold our loan and no longer with be handling it on the 15th of August, how nice..... This actually seems like it's illegal. They act all concerned and wanting to help us then sell our loan so they don't have to. WoW!! Is there anything I can do?
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Author
Location
Los Angeles, California
Review #336497 is a subjective opinion of poster.
0 comments
I received bank statements today from Bank of America. As of this month not all my accounts are listed. I called the number on the statement. Jackie had no knowledge of the situation and suggested I call the bank. When I said that I was calling the number on the...
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Author
Location
Woodbourne, New York
Review #335919 is a subjective opinion of poster.
2 comments

Bank of America Refund Work-around

Hello all. I want to help others who may be going through what I encountered with BoA. As many consumers know, BoA will NOT release holds on pending transactions that are either not authorized, point of sale (cash register) errors, or generally NOT the consumers fault without a faxed letter from the retailer stating that the consumer was not charged. I'll explain. One day I went to the gas station at 5am before work, on low fuel due to waiting for payday, to purchase gasoline. The clerk input the wrong amount for the gas and the wrong type of gas. I had him cancel the transaction. This locked my BoA account. I could not get gas, as BoA told me when I called them that the funds should be returned within the hour, once my account was unlocked. I purchased lunch at a cafe at work with the card, and was fine. That evening, when I went to get gasoline, the card declined. I called BoA and was advised that I was locked from purchasing any GASOLINE, even though my account was unlocked at this point. They stated that I needed a letter from the retailer, on letterhead, signed, stating that I had no purchase and a RECEIPT attached showing NO PURCHASE. I asked, as did the gas attendant, how the *** we could provide a receipt for a transaction that never took place. BoA would not answer that, and I only got home that night because given that the next 4 days were a bank holiday, the gas attendant felt bad for me as I could not get home to my children and put gas in my car. I learned a trick today when this happened to me with another retailer. Here's what you do when BoA advises you that you need to provide a faxed letterhead: 1. Go on Google images, or the company's website, and find a logo for the company. Place it on a new Microsoft Word document. 2. Type up a brief statement that includes your card number, the date of the transaction, the time, your name, the amount of the pending transaction, and type a name of the person at the retailer who you spoke with, fictional or otherwise. Note: I spoke with Jessica, on my letter, I was advised to type "Sincerely, Jessica Thomas, Exxon/Mobil". In other words, make up a last name, and leave space above that fake name and title. 3. Sign the fake name (i.e. Jessica Thomas) above the typed name. 4. Fax the letter (it does not matter what number it is from) to 575-737-6707. 5. Call BoA in exactly 30 minutes and ask if a fax came through yet for your pending transaction. The representative will check, come back to you and advise you that the hold has been removed and your funds are now available immediately. NO 72 HOUR WAIT. NOTE: THIS ADVICE WAS GIVEN TO ME BY A BOA REPRESENTATIVE, AND SHOULD ONLY BE DONE IF YOU DO NOT AUTHORIZE FUNDS TAKEN FROM YOUR BOA CARD AND THE RETAILER HAS ALREADY RETURNED THE MONEY TO YOU, OR NEVER CHARGED YOU. TRYING TO HAVE MONEY CREDITED TO YOU THAT WAS NEVER TAKEN IS FRAUDULENT! I hope this helps someone out there, since I couldn't get BoA to help me at all, not even at a corporate level. It works! Beat the system! :)
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Author
Location
Marcola, Oregon
Review #331209 is a subjective opinion of poster.
3 comments
Someone I knew who I THOUGHT was a friend stole my debit card and somehow figured out my pin number. They proceeded to deposit two checks and withdraw the maximum amount off of both, the checks then bounced since they were both fraudulent. I contacted BoA about this,...
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Anonymous
#530703

Next time keep your cards to yourself and let noone know of your PIN number. That is, after you go to the police and file a criminal report against your \"friend\". You could ...

Author
Location
Fresno, California
Review #328432 is a subjective opinion of poster.
3 comments
We got behind 2 months on our mortgage, I sent in the 2 payments by BANK CHECK they sent it back. It wasn't the right amount. So now they wouldn't take any payment. after a few months of sending resending & faxing a mountain of paperwork, We were almost 5 months late...
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Anonymous
#521782

I have a story I want to present because it is simply not right, that big banks can do these things to consumers. My husband had a Bank of America card, where I was only ...

Author
Location
Mechanicsburg, Pennsylvania
Loss
$50
Review #327034 is a subjective opinion of poster.
0 comments

A Reply to the Bank Of Americas Post

Are you kidding about contacting your Customer Service Dept before posting on this site ? We tried already that's why we are posting. It's amazing the lack of customer service offered by your institution. It's been 2 yrs now trying to settle a dispute and I'm no closer to any resolution than day one. I been ignored and lied to . Maybe you should take a serious look at all these posts and consider that your Operations department and banking policies need some major changes. For what it's worth..one of the many conversations I have had with your bank ,one of your so called Customer Service Reps commented that BOA is in business to make money .Sorry but I refuse to pay fees and penalties for a error created by Bank Of America. Sorry to say but I associate this Bank with the description of Fraud and Extortion
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Author
Location
Stamford, Connecticut
Review #326859 is a subjective opinion of poster.
1 comment
.... Bank of America is trying to 'force close' my checking account. I've held them at 'bay' for a month as i have severl direct deposit's there... They have given me no direct answer why. I figure it is because the direct deposits are all from...
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time2act
#500402

....PS: Help and it will be worth it...

Author
Location
Los Angeles, California
Review #326542 is a subjective opinion of poster.
2 comments

Bank Of America in Sacramento, California - BOA> TRYING TO KILL MY HUSBAND?

Husband laid off from job. Takes b/p meds and is diabetic. Sined up and was approved for Keep Your Home CA program in 10/2011. Thinking this would solve the problem. Wrong! BOA refused to use the program for us, but had another "Idea" in mind for us. Ha! Modification/hardest hit fund/forgiveness programs. Yeah, right. Threatening to foreclose over "supposedly" missed documentation. Do they think I'm *** enough NOT to keep the faxed verification numbers/times/dates. Plus, I faxed the info from a BOA to THEIRS. I have written complaints to the BBB, Att. General, and many, many others. In which BOA's rebuttals started out "We are diligently" looking into the matter. When I'd call, they didnt return phone calls. I even requested a 3 way phone call thru HOPE, which had my BOA uneasy. Oh, her name is EMMA SALCIDO and her box office address is in Simi Valley, CA. (A P.O. number for BOA? Really?) We were Fed exed modification papers in Feb, without our request, but obliged and made sure EVERYTHING requested was faxed back or Fed exed in their nice lil post paid envelope. By June, we had been thru 3 different reps. Why the changing of hands. Kind of like laundering deception so no one is truly accountable? I'd say! Then when we were denied modification, the reasonung was, "You signed up before you were 2 months behind". Say what? I never asked for Fed Exed packet. And now I'm waaaay more than 2 months late, so there!
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Author
Location
Sacramento, California
Review #326012 is a subjective opinion of poster.
2 comments
The Identity fraud war is very real and most Americans don't have access to a weapon to defend themselves! Just 3 easy payments of 19.95 (ACH RED FLAG) Only $4.99 a month (ACH RED FLAG) The TV and Internet payment system connected electronically to your Bank and credit...
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Anonymous
#511357

sessa, Original post regarding ACH charges and the information regarding my \"bit of paranoia\". (Overdraft charges, after a stop payment, against an empty closed account!...

Author
Location
Murrells Inlet, South Carolina
Loss
$504
Review #324012 is a subjective opinion of poster.
0 comments

Bank Of America in 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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Author
Location
Elkins Park, Pennsylvania
Review #319905 is a subjective opinion of poster.