Offered a line of Credit to pay off debts, contract charged 3,000.00 plus the amount of credit. After contract signed was told I had to make bi- weekly payments of of 800.00 which my understanding of a line of Credit you pay the interest owed and then any amt of principal.
Next thing after paying for several years a lawyer from the Bank started harassing me saying that I had to make more payments and the bank wanted the loan payed off now. Despite my attempt to explain that it was a line of Credit not a CREDIT CARD. AND HAD BEEN MAKING MORE THAN I NEEDED TO PAY. BUT DAILY CALLS FROM THE BANK WITH THREATS AND HARRASSMENT, I CONTINUED TO GET CALLS TILL I CALLED ABD WITHIN DAYS I'M NOT SURE IF THEY FOUND THAT THEY WERE HARASSING ME, AS I GET A OFFER FROM THE BANK TO SETTLE WITH THE OFFER OF MAKE A 800.00 PAYMENT PLUS 5,00.00 AND A ADDITIONAL PAYMENT OF 800.00 ALL OF WHICH I DID .
THEN A COUPLE OF WEEK'S WENT BY MY THINKING THAT I WAS DONE WITH THEM THEN THE LAWYER STARTED CALLING AGAIN WITH THREATS AND NOW A APPT WAS SET FOR MEDIATION. INTIALLY SHE WAS NOT GOING TO ALLOW A WITNESS ON MY SIDE IN THE MEDIATION. SHE WOULD NIT ACKNOWLEDGE ANY IF MY EXPLANATION, ALL CALLS ARE SUPPOSEDLY RECORDED I TO OK D HER TO GET THE CALL THAT WOULD PROVE THE OFFER OF SETTLEMENT BUT SHE REFUSED. I REFUSED TO SIGN ANY PAPERS AS MY TRUST IN THE BANK WAS NOT TO BE TRUSTED.
I DON'T KNOW WHAT SHE DID BUT IT AFFECTED MY ABILITY TO OBTAIN A LIAN FROM ANY BANKS. WE REFINANCED OUR HOUSE ANF THE DESERT SCHOOL CREDIT UNION WOULDN'T PUT MY NAME ON THE TITLE BECAUSE IF WHAT? SHE DID. I RECEIVED NO INFORMATION NOTHING FROM THIS MEDIATION .
BUT SHE'S DINE SOMETHING THAT HS REALLY MESSED WITH MY CREDIT. I HAD LSO DEPUTED 7 OVER DRAFT CHARGES ALL TAKEN AT ONCE, TOLD BY TGE BANK THAT UT WAS FROM PREVIOUS MONTHS MY ACCOUNT HAS NEVER BEEN IN ARREARS AND IF SO WHY WOULD YOU LET 7 CHARGES GO THROUGH HE WOULDN'T ANSWER OR EVEN CHECK HE JUST BLEW ME OFF. THAT THAT WAS ALMOST A 300.00 CHARGE. THEN MY MORTGAGE THEY WOULD TAKE A PAYMENT THEN PUT IT BACK AND THEN TAKE IT AGAIN A COUPLE DAYS LATER IR TAKE DOUBLE PAYMENTS NO MATTER HIW MANY CALLS I MADE OR VISITS TO THE BANK NO ONE WOULD HELP OR OFFER A SOLUTION.
I WAS ALWAYS TOLD WELL LOOK INTO IT BUT NEVER WAS I CONTACTED OR RESOLVED. THEYVE RUINED MY CREDIT? STILL DON'T KNOW WHAT THAT LAWYER DID. THEY TOOK MY MONEY FOR OVERDRAFT FEES.
THEY MADE A MESS OF MY MORTGAGE PAYMENTS THAT A FINANCIAL ADVISOR COULD FIGURE OUT THE REASONING IS FO WHY AND FIR WHAT PURPOSE WERE THEY MESSING WITH THE PAYMENT DATE?. IF ANYONE HAS A SOLUTION FOR ME OR ADVICE AS TO WHAT TO DO. THAT LAWYER OUT RIGHT LIED. THEY ALSO OE ME 3,000.00 FOR FEES CHARGED FOR OPENING THE CREDIT LINE I CALLED SEVERAL BOA AND THEY ALL STATED THERE IS NO FEE FOR OPENING A LINE OF CREDIT AND THEY CAN'T SET PAYMENTS AS LONG THE INTEREST IS PAID WHICH WAS NOT 1800.00 A MONTH???
DO NOT DEAL WITH THIS BANK UNLESS YOU PLAN N BEING LIED TO, OR GAVE YOUR MONEY TAKEN SO DON'T TAKE THE CHANCE OF DEALING WITH A BBB AN THAT IS REALLY GOOD AT DECEPTION. IF ANYONE AGAIN CAN HELP PLEASE HELP.!!!!
User's recommendation: GO TO A DIFFERENT BANK AS THIS BANK WON'T ADMIT HELP WITH MISTAKES.
Location: Fontana, California
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