A few months ago bank of america allowed someone in Orlando to loot my bank account while I live in palm beach and refused to reimburse me. they are claiming that I did the fraud my self or that I know the person who did it. I talked to a lawyer but he charged $375 per hour and I can't afford it. I'm looking for a lawyer to sue the pants off them, but I do not have themoney. If anyone knows any attorneys, please help!

Whenever one chooses a service with them, there are many hidden costs that one will only discover once paid.

For example, I canceled 3 lost checks, and now I discover that I paid a fee of 30 Dollars for it, where as there were no mention of such a fee at the moment of my request.

Another example: I opened an saving account after asking if there is "any fee", and they told me no.Then I found out, if there is less than 600 Dollars on your account, there is a monthly fee that one need to pay.

The worst is their client service: they told me that "we can close your account if you are not happy with our service!" The power of MONOPOLY!

My second complaint about Bank of America. I am at the underwriter with my loan modification. I have been told by every agency and lawyer that I am a great candidate for a loan modification. I was told the entire time by B of A that while I am in an loan modification that if I go into foreclosure that a sale date would be postponed. While doing the modification which started in Feb 2010, and they have been dragging their feet. Well in September they put me in foreclosure and would not take my payments and then in late November set a sale date. I have called many times and they won't postpone it till 2 weeks before the sale date and there is not quarantee if they will postpone it at all. The newest information is I will probably not get the modification due to there being too much equity in the house. You supposely can't have more than 20% inquity in your home Why was that not told to me in February when this all started. I could have applied for a Harp (gov refinance) program while my credit was not that bad. Now my only choice is to file for bankruptcy so I don't lose my home. When this all started I was only 2 weeks behind in my payments and should have waited till I got an extra paycheck then to agree to their forebearance and loan modification. Not only to they call daily with collection calls, most of the time when I talk to them they are rude and hang up on you. I talk to lawyers and they are willing to help me and want my business till they find out how much equity is in the house.

Corrupt Mortgage Loan Practices! Very subjective to borrowers with excellent credit. The processing department out of Arizona is by far the most corrupt group of individuals. Specifically the manager of processing Ron Gillett. Stay with your documents. Stay on top of the process. Hold their feet to the fire. Know your rights. Know the law. This will be a class if you apply for a loan through BOA and if you pass it, you get to close on a loan an actually move into your home. If not, like many you will have to take the class again with another lender if it is not too late. Poor customer service. They do an excellent job of reeling you in with the Pre-approval and are very courteous. It is the processing and underwriting that will be a CHALLENGE. Hope you get at least a B and pass the class with BOA.

Dear Officers of the Federal Trade Commission and Officers of the Office of the Comptroller for the Currency;
Fair reporting is defined on the FTC website and is echoed on each of the credit reporting agencies’ web sites. The rules are not equal for the consumer and the agencies. When I provided proof of my claims, the Equifax agency informed me they called and spoke with the reporting company and found the posting to be correct. How? I asked them to provide data backing up the claim on the report after calling the company myself as informed to do so by the Equifax employees. I was then informed that these companies do not have to provide proof, since they confirmed the accuracy of the report by phone. I check my credit reports annually and last year the data was accurate with a small error that would not affect me in any way. This year I find my report looks like someone else’s, the companies taking over previous reporting companies were able to change the report the way they wanted to report the data. My report was allowed to be changed to reflect what the creditors wanted to show and this was permitted. This does not follow the FTC guidelines of reporting rules and the data should be deleted as inaccurate. The looming question of why we are not progressing out of this recession is answered by this very document. I am not the only person affected by this improper activity.
The taxpayers, through the government, help bail out companies only to find that we the people are now at the mercy of each of these companies. I am being threatened, intimidated, and have had my entire credit report changed. We all must be told of what these companies are being allowed to do and why we cannot get the help or loans when we apply for them. Double standards in applying the rules should also not be allowed and silence by our governmental offices cannot be allowed. The governmental leaders in my state of Florida all tell me they want to help and can see my point, but the companies are outside his or her jurisdiction. Each representative did inform me of my records being forwarded to the respective governmental department believed to be proper. I sadly discovered this to be one of the only truthful statements made by the banks involved.
Now I am told I can only dispute in writing to Equifax, with no more than 100 words, while the companies posting are allowed to exceed this rule. The employees also threatened me with filing a “frivolous” claim and sternly told me to call each company myself. I did call each company and found that some did not know what I was talking about since they had no record of me. The financial institutions informed me that they could change the postings since they took over the previous reporting companies and I could do nothing to change this. Each company displayed no compassion or even gave me any indication they would go further in even reviewing my claim.
Now I did read that we the people could seek legal steps to fix the errors if all other measures failed (FTC Web Site). The problem is that even my political leaders are unable to assist me and have to refer me to the FTC. The reporting agencies and the creditors are all telling me that no one in government has legal jurisdiction over them. This presents the question of how can I get help when the FTC employees tell me to contact the Office of the Comptroller for the Currency. WHAT? Not even the bank employees all knew what the office was or how this office even has the ability to intervene in the bank matters. I am attaching my last letter to amicably fix this serious fault in the creditor’s or the credit agency’s policy. If further proof of my claim is needed, please ask me since I have records dating back to 1984. I am asking for help in resolving this problem or help me understand how I seek legal representation. My next step is to post this online for all to see so we the people, can all fix the unfair and highly questionable actions by the very companies helped with bail out money.
Sincerely,
Billy Wayne Childress, Jr.

The third day I spoke directly with a supervisor, who like the woman on day one, was well within the guidelines of the FTC. He assured me he would review the previous days records and find out who I spoke with and insure she would not be so incorrect and insensitive to people with “health obstacles.” I asked how to get a letter on my file to prove my claims; he told me the letter must be less than 100 words. He never told me how to fax or how I could challenge the incorrect claims within my records, or even have a rebuttal to what is posted. I want to know all these questions since the economy is so bad that simply sending erroneous information to the credit bureaus could prevent anyone from getting any type of loan. If these companies are operating outside the U.S., then compliance with FTC guidelines could take a huge amount of time to investigate or enforce.
Now, let me PROVE that data from some of these companies are wrong and that they cannot possibly have any data to back up their claims posted on my credit report. First, my home mortgage with Countrywide disappeared after 2009 to 2010; when Bank of America (BOA) bought out Countrywide. The data posted below is inaccurate and copies of my 2008 payments to Countrywide reveal that I did not have two mortgages or BOA was in fact involved with me at any time up to the present. This challenge for BOA is to prove they had my mortgage in 1993, and Countrywide who posted a good payment history with autopay from my bank is not listed after 2008. The Countrywide loan information dated “04/20/2009, Account Number: 045813996 is attached and contradicts BOA claim of having my home loan since 1993, or 1994. PLEASE note that I WAS NEVER late with a payment. If anyone would like my copies of the amortization schedules including the original with inclusive dates start to finish, please let me know and I will provide them with bank statements to be posted in my file. Now, look at the following incorrect data from the Equifax database: