I have been trying to get a Loan Mod . since fall 2009, I have submitted doc's no less then 5 times. In jan 2010 I was given a trial Mod. starting in March, but being a good guy I started in Jan, I made it through to sept. made 9 payments, on time ..Then I received a letter, in sept, that my loan mod, was refused, I was removed from MHA program because, I had a negetive value loan, BofA, called me in oct, they were going to try a traditional loan mod, paper work was from oct. to dec.13 2010 Ms. **** stated all my paper work had to be together, prior to investor looking at it, long story short, on a friday, BofA rep, called, friday, also stated I had + 80 K to $90, 000.00 value equity in my home per their own appraiser, needed food cost, needed it faxed, at 230 pm my time, Keep in mind BofA rep was in virginia, by the by monday at 220 pm, she called me that they refused my loan mod, by tue. AM letter written, by 12:30 pm Wen. on my front door a fedex, letter.. REFUSED MY loan Mod.. Every thing they are being accused of has been done to me I'm sick of these guys, Our leaders Bailed these Banker's out, They were Wrong.. We can not get loans, they have killed the housing market & the people are made to pay.. I'm a self made man, I built up my property, now I'm the bad guy, All of our Elected Leader do not listen to US, If we push a shopping cart, we need health care, we have no homes no jobs .. and they want to have a vote over heath care... We need Jobs Mr. *****.. You need to Slap these bankers hard!

SHIRLEY,
ARE YOU INTERESTED IS GOING TO SMALL CLAIMS TO FILE A COMPLAINT?
Recently I made a cash deposit at an ATM at Bank of America. I didn't have a deposit slip with me. I tried to

go inside the bank to a live teller because it was cash. I know that I was on camera with $200.00 cash at that

point. The live teller told me that they switched my account to ebanking (meaning that I had to go to the

ATM to make the deposit because that was the type of account I had to only use the ATM). She assured me

that this is done all the time and they never lose a cash deposit in the ATM. So, I had to use the ATM

machine. I explained that I did not want to deposit cash into the ATM. The live teller directed me to the ATM

machine outside. I was also told that I did not need a envelope for a cash deposit.

I went to the ATM outside and proceeded to make the deposit for $200.00. The machine had two areas for

deposits. One area for cash and one area for checks. I was not sure where to put the cash. I saw a location that

said cash and I put the money there. Therefore, I did not put the cash in the correct place and I did not get a

receipt. I put the cash in to area that said cash but I guess it was the cash output area and not the cash input

area. I tried to get the money back from the incorrect slot. I was able to fish out $40.00 but I could not get

back the $160.00. I immediately went back into the bank. I was very upset and I started crying. I had just got

laid off and I could not afford to lose money. Deep down I knew that I would never see that money again.

I was told to call the Customer Service line and they said they would temporarily deposit the money in my

account until the investigation was completed. I just got a letter from Bank of America and I was told that

the cash was not found.
I asked several times for the bank to check their video cameras. I went to a live teller to make the deposit

initially to put the cash in the account. They could plainly see me with the money.
I never heard back from Customer Service. I received a letter in the mail stating the investigation was over.

They would be charging my account.
So I had the case re-opened. I still haven't heard from Customer Service. And have never received any

information detailing how they did their investigation. And my money has not been re-deposited in my

account.
My theory is they have dis-honest employees.

Enough is enough. I feel like a lot of poor innocent people are being taken advantage of.
I am contacting an attorney tomorrow to see what my rights are.


Recently I made a cash deposit at an ATM. I didn't have a deposit slip with me so I went into the branch to get
one.I wanted to go to a live teller as well. I went inside the bank to a live person teller because it was a cash
deposit. I know that I was on camera with $200.00 cash at that point. The live person teller told me that Bank
of America had converted my account to ebanking (meaning that I had to go to the ATM to make the deposit
because that was the type of account I had to only use the ATM).

She assured me that I did not need a deposit slip or envelope to deposit cash into the ATM and this is done all
the time and they never lose a cash deposit in the ATM. So, I had to use the ATM machine. I explained that I
did notwant to deposit cash into the ATM. I was told that I had to use the ATM machine outside.
Well Bank of America has new ATM machines. I had not used this type of machine before.
I went to the ATM outside and proceeded to make the deposit for $200.00. The machine had two areas for
deposits. One area for cash and one area for checks. I was not sure where to put the cash. I saw a location that
said cash and I put the money there. Therefore, I did not put the cash in the correct place and I did not get a
receipt. I put the cash in to area that said cash but I guess it was the cash output area and not the cash input
area. I tried to get the money back from the incorrect slot. I was able to fish out $40.00 but I could not get
back the $160.00. I immediately went back into the bank. I was very upset and I started crying. I had just got
laid off and I could not afford to lose money. Deep down I knew that I would never see that money again.
I was told to call the Customer Service line and they said they would temporarily deposit the money in my
account until the investigation was completed. I just got a letter from Bank of America and I was told that
the cash was not found.

I asked several times for the bank to check their video cameras. I went to a live teller to make the deposit
initially to put the cash in the account. They could plainly see me with the money.
I never heard back from Customer Service. I received a letter in the mail stating the investigation was over.

They would be charging my account.
So I had the case re-opened. I still haven't heard from Customer Service. And have never received any
information detailing how they did their investigation. And my money has not been re-deposited in my
account.

My theory is they have dis-honest employees.
Enough is enough. I feel like a lot of poor innocent people are being taken advantage of.
I am contacting an attorney tomorrow to see what my rights are.

Sincerely
Arlene McClain

Arlene K. McClain
11241 Cherry St Los Alamitos, CA 90720-3909
The Boeing Company - IDS Division
Long Beach, Ca 90815
Phone: (562) 506-7271
Home: (562) 594-7515

On 3/2/2011 I applied for a position for a Human Resource Manager for which I am more than qualified. I have 30 years of banking experience and 10 of those years were in Human Resources. In less than 8 hours, I received an email saying that I was not qualified. I am concerned that so many "decisions" are being made by computer programs, that companies are missing out on opportunities to hire the most qualified individuals. Are these programs designed to "screen out" candidates, rather than identified the more qualified candidates. Are these companies seeking to manage their expenses by hiring less experienced candidates? I would like to know how we are supposed to help fuel the growth of the economy, when we can not gain meaningful employment in roles that we are qualified and over qualified for.

I last used my credit card in December 2010, as I always pay in full, I was astounded when I recieved notification that I was in arrears on payment. I was using online banking to transfer cash from a BOA account to make the payment. I would get a message to confirm payment and on clicking it, I presumed it had gone through. Next month another statement came to say I was in arrears . I complained about it to a human and was told I have to sit and wait until I actually get a confirmation no. This was not clear on online payments... eventually I had to click 4 times to actually get the payment through. My internet connection in my area is pathetic at best, but you would think if you pressed to confirm that would have been sufficient.
Just be aware people... I think this is a scam...to get more people to go into arrears to get more interest plus the late fee, which could hurt impeccable credit scores.
Bank of America would do nothing for my late fees, not even modify the mistake.

I would reccomend who chooses to pay by this method, review the account information multiple times and take screne shots.

I have had the Dis-pleasure of being a victim of these crooks...only by default of Countrywide was I snached up by these predetors...I have been batteling with the most incompitant and deceptive individuals from the executive asst.to the CEO to the non-english speaking phone slave...I just cant believe nothing can be done in 16 months...these pathetic excuses of human beings are just crooks...Thanks