New Reviewer

Wont give me my lock-in agreement document

God plus Jesus, plus solar flares, protecting, His Children. Everyone wants to blame others or take credit for what God is doing to banks greed, exploitation of peoples wages and affliction against His Children. This is what's up. God and Jesus added to the Sun's energy, substance, power and light which is added to our atmosphere, light, air, water, earth and beings, to perform His will and judgment. Solar Flares, CME's and sunlight, sun's energy, radiation and substance added to Water, air, and food with God, His word, His Son, His Son's Blood and Holy spirit, truth, purity and righteousness, is coming for Bank of America and all that exists in the universe, Earth , All heavens and beyond, Past present and future, Eternally and NO-ONE can remove Him from there in the name of Jesus Christ, Amen! Solar Flares and CME's Plus God, Jesus and the Holy Spirit in the Light and energy of the Sun is upon the wage earner exploiters of Bank Of America and other banks as the Lord being a swift witness against them and those who support them, as well as All others for a blessing or curse, to each his own reward for what they have done to others and continue doing so without repentance when asked to. Matthew 3:11 I indeed baptize you with water unto repentance, but He who is coming after me is mightier than I, whose sandals I am not worthy to carry. He will baptize you with the Holy Spirit and fire. The Reign and Indignation of God Isaiah 66:14 When you see this, your heart shall rejoice, And your bones shall flourish like grass; The hand of the Lord shall be known to His servants, And His indignation to His enemies. 15 For behold, the Lord will come with fire And with His chariots, like a whirlwind, To render His anger with fury, And His rebuke with flames of fire. 16 For by fire and by His sword The Lord will judge all flesh; And the slain of the Lord shall be many. 17 "Those who sanctify themselves and purify themselves, To go to the gardens After an idol in the midst, Eating swine's flesh and the abomination and the mouse, Shall be consumed together," says the Lord. Psalm 21:9 You shall make them as a fiery oven in the time of Your anger; The LORD shall swallow them up in His wrath, And the fire shall devour them. Psalm 89:46 How long, LORD? Will You hide Yourself forever? Will Your wrath burn like fire? Isaiah 9:19 Through the wrath of the LORD of hosts The land is burned up, And the people shall be as fuel for the fire; No man shall spare his brother. Ezekiel 21:31 I will pour out My indignation on you; I will blow against you with the fire of My wrath, And deliver you into the hands of brutal men who are skillful to destroy. Ezekiel 22:21 Yes, I will gather you and blow on you with the fire of My wrath, and you shall be melted in its midst. Ezekiel 22:31 Therefore I have poured out My indignation on them; I have consumed them with the fire of My wrath; and I have recompensed their deeds on their own heads," says the Lord GOD. Ezekiel 38:19 For in My jealousy and in the fire of My wrath I have spoken: "˜Surely in that day there shall be a great earthquake in the land of Israel, Malachi 3 The Coming Messenger 1 "Behold, I send My messenger, And he will prepare the way before Me. And the Lord, whom you seek, Will suddenly come to His temple, Even the Messenger of the covenant, In whom you delight. Behold, He is coming," Says the Lord of hosts. 2 "But who can endure the day of His coming? And who can stand when He appears? For He is like a refiner's fire And like launderers' soap. 3 He will sit as a refiner and a purifier of silver; He will purify the sons of Levi, And purge them as gold and silver, That they may offer to the Lord An offering in righteousness. 4 "Then the offering of Judah and Jerusalem Will be pleasant to the Lord, As in the days of old, As in former years. 5 And I will come near you for judgment; I will be a swift witness Against sorcerers, Against adulterers, Against perjurers, Against those who exploit wage earners and widows and orphans, And against those who turn away an alien"” Because they do not fear Me," Says the Lord of hosts. 6 "For I am the Lord, I do not change; Therefore you are not consumed, O sons of Jacob. 7 Yet from the days of your fathers You have gone away from My ordinances And have not kept them. Return to Me, and I will return to you," Says the Lord of hosts. "But you said, "˜In what way shall we return?' Do Not Rob God 8 "Will a man rob God? Yet you have robbed Me! But you say, "˜In what way have we robbed You?' In tithes and offerings. 9 You are cursed with a curse, For you have robbed Me, Even this whole nation. 10 Bring all the tithes into the storehouse, That there may be food in My house, And try Me now in this," Says the Lord of hosts, "If I will not open for you the windows of heaven And pour out for you such blessing That there will not be room enough to receive it. 11 "And I will rebuke the devourer for your sakes, So that he will not destroy the fruit of your ground, Nor shall the vine fail to bear fruit for you in the field," Says the Lord of hosts; 12 "And all nations will call you blessed, For you will be a delightful land," Says the Lord of hosts. The People Complain Harshly 13 "Your words have been harsh against Me," Says the Lord, "Yet you say, "˜What have we spoken against You?' 14 You have said, "˜It is useless to serve God; What profit is it that we have kept His ordinance, And that we have walked as mourners Before the Lord of hosts? 15 So now we call the proud blessed, For those who do wickedness are raised up; They even tempt God and go free.'" A Book of Remembrance 16 Then those who feared the Lord spoke to one another, And the Lord listened and heard them; So a book of remembrance was written before Him For those who fear the Lord And who meditate on His name. 17 "They shall be Mine," says the Lord of hosts, "On the day that I make them My jewels. And I will spare them As a man spares his own son who serves him." 18 Then you shall again discern Between the righteous and the wicked, Between one who serves God And one who does not serve Him. Malachi 4 The Great Day of God 1 "For behold, the day is coming, Burning like an oven, And all the proud, yes, all who do wickedly will be stubble. And the day which is coming shall burn them up," Says the Lord of hosts, "That will leave them neither root nor branch. 2 But to you who fear My name The Sun of Righteousness shall arise With healing in His wings; And you shall go out And grow fat like stall-fed calves. 3 You shall trample the wicked, For they shall be ashes under the soles of your feet On the day that I do this," Says the Lord of hosts. 4 "Remember the Law of Moses, My servant, Which I commanded him in Horeb for all Israel, With the statutes and judgments. 5 Behold, I will send you Elijah the prophet Before the coming of the great and dreadful day of the Lord. 6 And he will turn The hearts of the fathers to the children, And the hearts of the children to their fathers, Lest I come and strike the earth with a curse."
View full review
1 comment
#558578

you should sue your mortgage company. its obvious they've driven you batshit cray-cray

ID
#349633 Review #349633 is a subjective opinion of poster.
Location
Bakersfield, California
Service
Bank Of America Loan
Loss
$50000
New Reviewer

Bank of America failed Americans

1. Why did Countrywide change my 5.75% mortgage loan, I Locked-in at, to 6.25% right before signing escrow, without discussing it with me 72 hours prior as loan documents states must be done? 2. Why did Countrywide tell me I couldn't afford the cheaper loan and that they thought they told us prior already, when I called during signing? 3. Why did Countrywide change my loan to one I doubted my wife and I could afford, when my family was going to have nowhere to live if we didn't sign? 4. Why did Countrywide tell us their copy machine was broken when we signed our lock-in agreement? 5. Why didn't Countrywide give us a copy of our Lock-in agreement document when we asked for it since the beginning of our mortgage? 6. Why did Countrywide sell our note to Bank of America that we did not want to do business with nor support, and not hand deliver the note? 7. Why are we forced to do business with Bank of America and forced to allow them to service our loan? 8. Why did Bank of America ignore us on 5 modification attempts to our previous lock-in agreement and only answered and told once that we didn't qualify? 9. Why does Bank of America deny our QWR for all Loan, escrow, Lock-in agreement, and 6 modification attempts, documents? 10. Why does Bank of America Bank of America threaten to foreclose, selling our note, and actually put our loan into default with pre-foreclosure, still denying us our QWR? 11. Why is it legal for real estate companies and internet sites allowed to show our house available in pre-foreclosure, for 2/3 the cost I purchased it for, at a monthly mortgage half of what I am being forced to pay? 12. Why is it ok for Bank of America to foreclose on my mortgage when the amounts due are the same amounts our houses estimated worth has depreciated, due to Real Estate company's, Countrywide's and Bank of America's practices of unequal, racial, judgmental, predatory lending for greed of money with house flipping and greed of money, no matter who it puts on the street and causes to be homeless? 13. Why is it ok for the home builder to tell us they're not going to fix the cracks in our stucco unless they can fit a nickel inside it? 14. Why is it ok for banks to exercise their legal document rights, ignoring and denying the consumer their documented rights when the consumer cannot afford the greed of an attorney? 15. Why does everyone, banks, governments, other nations and countries think they can do what they do against Americans and God's true Children everywhere, and get away with it, without judgment from God? 16. Why did the American Government bail out these banks with tax payers money, for doing these things to Christian Americans that choose to be the True Children of God? Your Judgment is here, life of your own conscience knowledge, truth and action of un-repented sin of mortality and impurity expressed towards existence, reality and destiny, to have life upon and within yourself. They are your truths, beliefs and actions you decided to agree upon and express upon all things existing or going to, even yourself.
View full review
ID
#349631 Review #349631 is a subjective opinion of poster.
Location
Bakersfield, California
Service
Bank Of America Loan Modification
Loss
$50000

BOA Constrictor

I received a call from Bank of America encouraging me to apply for a new BOA card that would automatically give me 22,000 in airline miles(I then had 19,000)in airline miles. I told the BOA representative that I did not want to jeopardize my credit rating or harm my current credit by making an application. I totally reassured that my application was risk free - and that if I was turned down it would in no way affect my current credit rating or ctrdit limit. I was very clear in my communication. I applied and immediately I was turned down, and my credit limit was immediately reduced from $3500 to $1200. My FICO score was said now to be 650. I had been a BOA customer for 10 years and had never missed a payment. I was furious. I contacted my senator and subsequently BOA has sent me long letters explaining their actions - but they lie and say I was seeking a credit line increase, making it sound as if I had contacted them, and they fail to acknowledge their dishonest practice of pressuring me to apply for a card which they repeatedly assured me would not affect my credit. Furthermore I just purchased a condo and paid $84,000 in CASH for it...and have had $120k to $2k in cash in my account at any given time. Obviously BOA is doing a horrible job in the review and analysis of my credit worthiness. They treat me condescendingly as a child and the main reason I avoid using their card for larger transactions - is that I do not trust the competence and basic ethical foundation of the company. In otherwords, if they act like a ruthless pack of wolves over a small bit of money - they are likely to rob me blind when given the chance to tear into my larger holdings. BOA, you haughtily refer to my apartment, but I have told you over and over again that it is a condominium apraised at $300k with no mortgage since I paid it off with $84k in cash. You should be raising my credit score and raising my line of credit, buy you are obviously too incompetent to do so.
View full review
2 comments
#1232655

650 is a poor credit score. Instead of bashing the bank, you should take a long hard look at yourself and why your actions have brought you to such a poor credit score.

#1184957

Why the heck would you contact a senator? they have nothing to do with credit decisions. Banks are well within their right to make any credit decision they choose.

View more comments (1)
ID
#348943 Review #348943 is a subjective opinion of poster.
Location
Birmingham, Alabama
Service
Bank Of America Mortgage

Bank of America

I was charged a $35.00 overdraft fee for a $4.99 debit. on the bank of america website it says no overdraft fee for anything $4.99 or under. They lie and as of the 3rd of the month when I get my SS check I will be closing my 16 year old account. When I called the 800 number she refused to waive the fee, when I went into the bank to talk to a manager he told me you were already told no from the 800 number. I am so done with this *** bank. new bank
View full review
2 comments
#549993

I agree - I know overdraft fees suck but the person is responsible for balancing better and not "assuming" even a small 4.99 charge is not subject to a fee. You either have the money in your account or you don't.

Many banks have online banking and mobile banking so you can be up to date on balancing. I am sorry, but I don't think it is the bank's fault for a fee...

#549640

Why are you blaming the bank when you spent more money than you have. Try to keep a better eye on your balance and spending or link a second account for overdraft.

View more comments (1)
ID
#348687 Review #348687 is a subjective opinion of poster.
Location
Las Vegas, Nevada
Product
Bank Of America Checking Account
New Reviewer

Penalized for Requesting Credit Line Transfer

I had two cards with bank of america. 1. One with a $11,000 balance ($18,000 limit) 2. One card with a $0 balance ($1,000 limit). I called and asked if they could transfer the available credit on the $18,000 card card to the $1,000 one. I asked them to do this because the $1,000 limit card has a 5% interest rate while the other card has a ridiculous 25% rate. They ran my credit and instead they did this... They decided to close the card with the $1,000 balance and then reduce the available credit to $11,000 on the other card. They took away all my available credit. This makes my debit to available credit much worse. This company is *** and so are the credit specialists who work for it. Total pieces of garbage. Once I pay this off, they will never get my business again.
View full review
2 comments
#547493

I am no where near bankruptcy. I don't own a home.

I have over $50,000 in assets and never missed a payment on my card.

I opened an American Express card at USAA today with 9% interest. I am going to transfer the balance and close the BofA card right away.

#547431

They see you are getting closed to bankruptcy. :grin :p :cry :(

View more comments (1)
ID
#347840 Review #347840 is a subjective opinion of poster.
Location
Scranton, Pennsylvania
Product
Bank Of America Credit Card
New Reviewer

Bank of America lack of communication

I have never dealt with a company that lacks internal communication as much as Bank of America, I called them up two days in a row to check on the status of a subordination was routed from one representative to the next without anyone giving me a clear answer in fact every representative informed that I had called the wrong section and proceeded to give me yet a new number, in addition if I called from a separate number that did not list to my number on file I was repeatedly disconnected, this company has the poorest service I have ever dealt with, and if I had a choice in my mortgage provider it definitely would not be Bank of America.
View full review
ID
#347679 Review #347679 is a subjective opinion of poster.
Location
Montrose, Colorado
Service
Bank Of America Mortgage
New Reviewer
Bank of America just suspended my ATM card for the second time in a month, for "unusual activity." This time it was a $200 purchase for medicine, ten miles from my residence and the mailing address for the card. They notified me by email. Before that, it was a single...
View full review
View full review
2 comments
#555426

This first comment sounds like it was written by a BOA representative.Who would not be upset thier card is being declined at a business 10 miles from your home. BOA NEVER has had their customers interest at the top.

Their only interest is how much money can they take while as a bonus irrating their customers. Check out news articles for the past 5 years and you will see what a disreputable company this is

View more comments
ID
#347235 Review #347235 is a subjective opinion of poster.
Location
Lodi, California
New Reviewer

Bank of america mortgage FAILURE

Explained to boa that we filed bankruptcy and we had not paid on the second loan to them. We had switched from a chapter 13 to a chapter 7 during the process. The chapter 13 was never finalized due to switching to a chapter 7. During the chapter 13 we were told to pay the court and not the bank on our second loan. Our lawyer then realized that we should file a chapter 7 bankruptcy so we switched. This caused us to fall behind on the second. When our bankruptcy was done we were wondering about missed payments and where we go from there. Was told modification was the best thing. We are now 22 months behind.Told rep in Aug our property address and billing address should be the same ####### Michigan. NOT ####### Michigan. This is due to being rezoned for 911 purposes. ########does not exist anymore we did not move the house we live in the house we are not renting the house the house adresss is ####### Michigan. The property address and billing address should be the SAME. BOA cannot figure this out and a year into monthly and weekly phone calls we still get asked why we have two addresses. We also submitted a letter about the rezoning. Every time we call we give our address and get told no we do not want the billing address but the property address. It is the same!We have had 4 reps that have not been properly trained in what they need to know. They are unclear how to handle our case. They have failed to submit our numerous attempts at submitting our paperwork. I have been told that boa has different systems and some paperwork was showing up on only certain systems. Our reps are only clear on two things….My name is REP and my hours are from this time to this time.We have made numerous calls over a 12 month span and spent hours on the phone with reps that have an attitude or constantly change their story. They fail to put it into their system what they have told us so the message can be relayed to the next rep. They say they have no record of what we were told before so we are just going to have to begin again. Every time all paperwork has been submitted and sent to the underwriter we seem to get a new rep. This has happened four times now. We keep in contact with bank of America and keep getting told by our rep that our paperwork is with the underwriter. Then all of a sudden we need more paperwork or paperwork was not submitted or expired and we have a new rep. I say this seems like a coinsidenc but am told no.In the beginning of this process we sent in everything on the list boa asked us to provide. Over many months we are told that the underwriter can ask for more things and new things. We ask why this is when we have provided everything and our rep has reviewed everything and it looks great but the underwriter still needs more? The reps respond with saying the underwriter can always ask for more documents or newer documents and the reps have no way of knowing what will really be needed. The reps at boa are unsure how long our documents are good for. Some reps say 60 days other say 90. We have been told our paperwork has expired before the 60 day mark even arrives! Summary of our 12 month ordeal!!!!!!Aug-sep 2011- unable to make a payment on 2nd loan…told system would not allow it…rep had never seen a case like ours. He said we could not make a payment on the 2nd because we were going through the modification process. Rep would check into some things and get back with us. He failed to get back with us. We had to contact him. Started the modification process. We tried for 3 months to pay on the second and were told missed payments would be added on after the modification was complete so there was no need to pay on the second. Sent in all paperwork on the list they provided in the packet that was sent out. Paper work would be going to the underwriter and we should hear back soon.Oct- Dec - Received a new rep. number 2 still unable to make a payment sent in documents multiple times ….was told it was going to the underwriter. -Told in Dec we would no longer have to submit documents after submitting due to a new law that the government passed. This would be the last time we would have to resubmit paperwork. Was told everything was looking good in paperwork and it would be sent to the underwriter. Should know by the 1st of the year!!!Was also told this would be reviewed under multiple loan options to see what would best fit our loan.Jan-April 2012-We received a new rep number 3. She said we should have been paying and that what we were told by the last reps was wrong. Last rep did not put in his computer anything he had told us. Resubmitted paperwork multiple times. Told they had not received them then told it was submitted and the underwriter needed more info….we called and found this out…was told the system was not telling our rep to call us until 20 days later?????Lucky we called. Resubmitted paper work over and over….rep out of office…left multiple messages…even with her manager and her manager…talked with the manager 2 times…was told rep would take care of us….Had multiple people stop and take pictures of our house…..was told this was to make sure we were still living at our home…called rep and told them we are still making payments and trying to fix our loan and we have no plans to move and would appreciate it if these people would stop taking pictures of our house due to the fact that I do daycare and children have been outside while pictures have been taken by your company….was told there was nothing they could do about it. Was told we should have been making payment all along on the second loan. New things we had to submit….hardship letter….rezoning letter about why our addresses don't match which we have tried multiple times to change with boa…actual tax documents….rep had to be explained to multiple times that we sent in the federal tax documents…she keep saying they were only Michigan documents….We told her she needed to look at them the top read federal….husbands paystubs…rep said they would not work…we told her this is what the employer gave us she said it did not say the work place ….it did…she did not look at it…wife's paystubs…profit and loss was not acceptable…same profit and loss submitted for bankruptcy court in which the government accepted….. Daycare was not good enough for a business name. Needed a name.June-Aug. 2012told to submit more paperwork again….Rep claimed they had not received it or only received one page. Paper was sent from 2 different businesses with confirmation. Husband argued and said he had confirmation and even rechecked the phone number. Rep still said her system was not getting it. Finally she said she got the paperwork. Paperwork was always faxed to the same number only half the time would the rep get it. Paperwork with the underwriter again for the 4th time. Called bank of America in Michigan and was told they could not help us out we would have to deal with our reps. Asked boa if we could have a rep come to Michigan to work this out and was told NO.Was told by a lawyer that it would be in our best interest to start to record our conversations. Was told by boa rep that they would not speak with us if we did this!!! Aug- Spoke with rep still no answer. Was told they r not even looking at our 2nd loan. That would come later. Filed a complaint with the Gov. Received a call on Aug. 15 boa is checking into our complaint. -submitted complaint to federal consumer protectionPerson who is checking into complaint Dewana Baltimore our 4th rep 877-471-**** ext. 254527 fax 877-369-**** says she will get back to us on august 21 at 11am. She seems like she is going to get some answers.Did not return call at the appointment time I had to call her. She had an attitude just like all the reps before her and told me I NEEDED to realize things come up and she had a meeting. I told her she said she would call me if something came up before the appointment time to reschedule a time with me. She was not so nice this time.Aug-21 Dewana calls back- was told paperwork has expired need to resubmit. I ask why is it every time it goes to the underwriter it expires and we get a new rep….was told there is nothing they can do resubmit everything again Was no satisfied with that answers so I spent an hour on the phone…transferred multiple times told we didn't have a rep then we did then I was in the wrong department. All I wanted was a manager and was told I could not speak with one. Finally I got Kerry Gilbert….. Dewanas supervisor. Was told the last time paperwork was submitted into the system was Dec 2011. I told her we had fax confirmations 8-10 in the months of June and July. She wanted to know where I sent them and I told her Dina Brown our rep from Bank of America. She said there was not a Dina Brown. I said really bank of America has sent us letters with her name on them that we have saved. This is when she said she would investigate. But regardless we would have to resubmit again. Because our paperwork was most likely expired. I told her we should not have to resubmit due to the fact that Dina Brown had told us it was in her system and she was able to read back our documents that we sent her. Was told she would investigate but Dina did not submit them into the main database. I told them they were failing to comply with the government. Still need to resubmit paperwork again. This is the same story we hear each time. -Kerry Gilbert also says that before calling her we should of called our rep.Dewanan Baltimore. We should not be calling her unless we spoke with Dewana.-Kerry Gilbert also said her computer was told that on Aug. 17 our modification was denied due to not having current paperwork. The week before our rep said she had submitted everything a couple of weeks ago and she was still waiting on the underwriter. Never received the promised call from our rep. Had just spoke with rep on the 15. If our rep did her job nothing should have expired due to the fact that they had current paystubs and bank accounts and everything else and it had not even been 30 days since we submitted them. I asked how often does paperwork expire and was told after 60 days. Our customer rep failed to do her job! Told boa that we are in contact with a lawyer and they said if we speak with a lawyer they would no longer be able to speak with us. Aug 22 "" Called Kerry Gilbert again at first she says she talked with Dina Brown and Dina Brown does not have our files on her computer. Then she changes her story and says she still needs to investigate. She says the latest documents that she can see on her computer are from December 2011. She said Dina never submitted anything into the main system and all we can do is resubmit our paperwork AGAIN! I told her I had saved fax confirmations and she said that was fine but I would still need to resubmit due to everything would be expired regardless. Asked bank to tell us who holds our note. They said Fannie mae on the first and in order to see who holds the second we would have to put it in writing and they would see what they could do.- I ask to speak with someone higher than Kerry and was told that I could not. I have asked this to each rep and manager of my reps and they will not let me speak with anyone higher! She says she has done all she can do and further communications would be done by mail. Resubmit paperwork if we want help. Aug 27 called boa about our forgiveness letter- we would receive the official document within 90 daysAug-29 received a call from boa person hung up without speaking left no message…called boa back they could not figure out who called us. Aug 30- I called the number on our latest document that I received today….SHORT SALE! This department does not know why we were sent this. They said the system says we are in the process of a modification. Their computer does not show any warnings or foreclosure warnings. They think things are messed up in the system due to my address which we have tried to fix and explain to multiple reps. I asked if they could tell me if they could see all my documents that I have sent in and they responded yes. They named off documents that were received in May June and July. They apologized but could not help me because I was in the wrong department. I was transferred to Kerry Gilberts after 1:08 VOICEMAIL. -Called senators office and faxed everything we received this week along with a summary of what had been going on. THEY received the fax immedialty. -Rick Jones office is now forwarding it to Justin Amashes office.-Aug 30- received another packet today about short sale and more documents to fill out- Aug-30 called and made first home payment. Tried to change our address again and now they want us to get in contact with 911 and prove our address change and send it in.-Aug 30 received confirmation that consumer reserve consumer help is forwarding our correspondence to boa-Aug 30 received a letter that bank of America received our inquiry from rick jones office. They have opened a service request on our behalf. A new rep has been designated number 5! New reps name is Lisa Tyrus 1-87*-471-**** extension 254527. She is our first rep to give us an extension number. The letter states that she will be contacting us and they may request for us to resubmit our PAPERWORK!-Sept4 dewana Baltimore called- she hung up me because I told her I was not going to resubmit paperwork until I speak with someone higher up in regards to lost paperwork. I asked her about our new rep and she has no records. The new reps number connected me to Dewana. She wants us to send her boa paperwork that they sent us back to her…our approval letter from boa . I said I would not fax information her bank sent me back to her. She says she has no records of our approval. She has not heard of Lisa Tyrus! -Sept 4- called number on new letter for Lisa tyrus it connects me with dewana Baltimore. Dewana did not answer. Left message-sept4- Called Kelly Thompson boa customer advocates left message187******** ext034599- she called back and wanted to know how I got her number!!!!! I told her online. She says that is not how it works she has to be assigned to my case and I needed to speak with my rep. I told her my rep hung up on me. She said I needed to speak with her manager. I said her manager hung up on me. I asked how could I speak with someone higher and all she can say is to call my rep! The one in which refuses to transfer me to someone higher and hangs up. CALLED OFFICE OF CEO-704386****- CONNECTED TO VICTORIA- she reviewed documents…..disconnected on boa end. Called back cannot reconnect me new persons number 888688**** ext2782- customer relations team told me paperwork expires every 90 days.I responded by saying I was told 60 then rep became unsure. Was told our case is in escalation due to contacting government Should have a response by sept 6 if not 15 days later. Should not be a customer relationship person but someone higher up.Sept 11- filed a complaint with comptroller at Michigan .govSept 11- called Carol Dwyder attorney office in hastings senator officed refered us. They cannot help!Sept 12- spoke with senators office and we need to fill out a release form for them. Senator office spoke with Lisa Tyrus and she does exsit!!!!!! Sept 13-spoke with senators office she received our fax to release information to her office. She also spoke with boa today and was not impressed. Boa told her she was speaking with Lisa tyrus and senators office said it was clearly not the Lisa tyrus from yesterday. Boa lied to her !Sept 13- wrote the white house an emailSept 13- Wrote the office of public engagement an email Sept 13- received another letter from boa in regards to our mortgage concernsSept 14-1888****286 ext 3760 is Lisa tyrus actual number that she gave me today. She does exist. She ran me in circles once again as has everyone else. Submit more paperwork! She said everytime it goes to be reviewed new paperwork needs to be submitted. They cannot send the same paperwork to every review even if it is not outdated due to them needing original copies. The copies I faxed are not originals but COPIES???????? . This is why we have to keep sending in more paperwork they are unable to press copy on the printing machine. I asked why they could not send in the same paperwork to multiple reviews and was told they could not do this they needed originals. Once again I am told an example of some of the paperwork that has expired would be my electric bill dated in april….I told lisa no I also sent one in in June with all my other paperwork . I asked how many times my paperwork has been sent to different reviews or the underwriter and was told I would have to ask my rep. I told Lisa my rep could not answer this question either!!! Lisa said she should. Once again the blame game is in effect. Bank of America likes to run in circles. I asked if my second mortgage was in deed dismissed and was congradulated on the fact that it was. I asked when would this take affect and was told within 90 days. I asked if I could now refiance within the bank instead of with the government program and was told she was unsure but I should call 800798**** which is the refinance department. This department told me to refianance within the bank I would have to pay down my mortgage to 95% of what the house was worth or do the government program which we are getting nowhere with. We owe around 204,000 our house is worth around 180,000. We don't have around 30,000 to pay down our house!!!!!!!!!This process is a complete joke!! Boa is stringing us along making our paperwork expire and causing more stress than needed. We have done what boa has asked for a year with no resolution. More paperwork is not the solution but the problem. Boa needs to train their staff how to solve the problem not keep it going. I have been told by Lisa Tyrus who stumbles over her words that I needed to read into the process more….well I have and there is no reason if boa has done their job the right way that this should have taken so long! I have also been told even if I get approved that I could be on trial payments for a year…….something needs to be done about this whole process.
View full review
2 comments
#712180

i have similar issues with boa. they even went so far as to use someone elses w2 tax and wage statement to process my modification application because it shows only $7,000 as a yearly income AND sent me the w2!

i also have contacted multiple government branches to no avail. the lady at the irs said 'oh thats highly illegal, you hang on to this!" and gave me BACK the w2 with the ss number of a 23 year old recent college grad on it. they have given me conflicting copies of what is supposedly my note.

they try to run you in circles until you decide giving up is easier. dont give up!

#569967

Try US Dept of Treasury, online consumer complaint. Maybe "expidite things more" Like the detailed notes you took.

View more comments (1)
ID
#345448 Review #345448 is a subjective opinion of poster.
Location
Wisconsin Rapids, Wisconsin
New Reviewer

Poor Customer Service

2 years ago I obtained the Bass Pro Credit card. I have a lot of hunters in my family, one of which who has served our country proudly as a military police officer in the Army. I was of the understanding that Bass Pro was an American Company that stood up for the 2nd Amendment. I have faithfully paid my card and I am proud to say that I have very good credit. I decided to pay the entire balance off August 27, 2012. I contacted Bank America and obtained the payoff amount. Today, September 6, 2012, I received a statement from Bank America for an additional balance. When I contacted Bank America I was transfer to two different people who could not speak English. I was also advised by Bank of America that the amount was interest for previous months, which did not make any sense. After challenging the supervisor and advising that I was going to close my account and go else where, since Bank of America or Bass Pro did not care if they lose my business, he said "go ahead - I don't really care". I am hoping the problem is resolved, but I wanted to post this so that other consumers would know that if you have this card, you will be dealing with people who do not believe in the 2nd Amendment. I was astonished that Bass Pro would do business with a non-American company. If you have doubts about this email, I encourage you to google other companys such as McMillan Firearms who are posting these comments about Bank of America as well.
View full review
2 comments
#539348

the credit care was a BASSPRO CARD THROUGH BANK OF AMERICA - IF YOU OBTAIN THE CARD - YOU OBTAIN IT THROUGH BASS PRO - GET IT!

#538973

Doubts? No.

I have absolutely no doubt that you are an arrogant, pompous, *** Hunters? Who served our country? Military police officer? What in the h@***l do these have to do with your complaint?!?

Nothing. "if you have this card, you will be dealing with people who do not believe in the 2nd amendment" WHAT?

You have a complaint about disputed fees, and then you throw all this other *** in that is irrelevent, or doesn't make sense. :roll :roll

View more comments (1)
ID
#343938 Review #343938 is a subjective opinion of poster.
Location
Warrensburg, Missouri
Product
Bank Of America Credit Card
New Reviewer

Bank of America

My Husband deposited his pay check at this banks ATM. They lost his freaking check! Unfortunately he chose the paperless reciept option. Now we're out $700+ dollars due to a "glitch"! The representative refused to talk to me about it. Even though I'm the primary name on the account. He wanted my Husband to call them back. I gave the phone to my husband where they preceeded to ask him questions regarding my personal info! WTF! You refuse to talk to me because of "security and idenity theft" reasons. Yet when he got on the line they asked him my personal info?! Once they verified him, the rep said they had glitches at the ATM. Supposedly they'll investigate and redeposit they money. However the experience with this bank leaves me little hope. I'm thinking its time to switch to Alaska Credit Union inside QFC.
View full review
ID
#343857 Review #343857 is a subjective opinion of poster.
Location
Kent, Washington
Product
Bank Of America Account
Loss
$721
New Reviewer

Bank of america

MMy mama signed over power of attorney to me. Bank refused to accept it. We recieved a letter stating we needed to find another bank. Mamas money been there 18 years. Ok fair enough the letter went on to read they would mail a cashier's Check for the sum of her money. Well when they realized it would be for 104,000.00 they sent another letter sying they were wrong they not issuing anything. What do i do? Can anyone help? Can they do that? I would greatly appreciate any words of wosdom shared or any experience anyone has had and would like to share thank you
View full review
2 comments
#536637

I am notsure how to help

#536636

Help please

View more comments (1)
ID
#342612 Review #342612 is a subjective opinion of poster.
Location
Tooele, Utah
Loss
$103
New Reviewer

Have charged me late fees when i ask for a mo of no payment

I am an 82 yr old woman widowed unexpectedly. I closed my acct. with Bank of America a long time ago. Have called ank and written bank and talked to a woman named Hobbs. I ask for them to stop charging interest as i was on soc. sec. and really trrying to pay off my charge. Bank would,nt do it. I recently had a car give out on me and have had to buy a used one and make Payments of 350 $ a month. then the car was in an accident and I had to pay a 500$ deductible. I have begged and begged for help and no have come I am at my wits end please help Mary L. Wilson email mlw1930@ gmail .com
View full review
1 comment
#539341

Go to the Attorney General site and make a written complaint!The Attorney General will respond and then you will need to fax your documents to them. This may help you resolve your issues.

ID
#340852 Review #340852 is a subjective opinion of poster.
Location
Bloomington, Illinois
Product
Bank Of America Credit Card
Loss
$649

Bank of America made a mistake and won't correct it

Bank of America mistakenly posted a late payment notice on my credit on a house that I had previously sold. Now they admit their mistake but say it will take weeks to generate a letter. I am trying to close on a new house and it is slowing down the mortgage process. It is beginning to sound like they have no plan to correct their mistake and write the letter. It has been weeks since I contacted them (multiple times). If you made a mistake, send me a letter stating it so I can get my new house closed. Bank of America SUCKS. As Clark Howard often says, the big monster mega bank does not care about you and does not have any scruples. Don't do business with BOA.
View full review
ID
#338088 Review #338088 is a subjective opinion of poster.
Location
Daytona Beach, Florida
Service
Bank Of America Mortgage
Lets make it a crime to steal from dead people and their families I have a story I want to present to 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 a user on the card, we had...
View full review
View full review
ID
#336658 Review #336658 is a subjective opinion of poster.
Location
Grand Terrace, California
Product
Bank Of America Credit Card

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?
View full review
ID
#336497 Review #336497 is a subjective opinion of poster.
Location
Los Angeles, California
Service
Bank Of America Loan