Five years ago we put $80, 000 down on a home in Flowery Branch Ga. We always made our payments but then my husband was laid of and we applied for the "Obama" plan. Bank of America sent us papers and I filled out everything that was needed, I never had a clue that my home was being foreclosed on. They made us believe that everything was fine. Then on the 28th of July I got a paper in the mail stating that my home was in the fore-closer process. I tried to call but the said it was fine, "computer generated" and not to worry that I had until the 18th of Aug. to get the paper work that they needed in. They sold my home on the 2nd of Aug. I have four children and had no place to go... They stole $80, 000 from me and my family. What should I do???? Please help me! Michelle Vansickle 6788876928

I was enrolled in Obama’s Home Affordable modification program through BOA in Jan 2010. BOA put un into HAMP trial payment plan. Soon after the 3 months of trial was over I kept calling BOA and they asked me to continue making trial payments since my case was still under review.
In Jul 2010 they rejected my mortgage application saying that I have missing documents. I had sent them the set of documents for about 2-3 times. I appealed their decision and my case was re-opened. Again I was asked to continue making trial payments. In the mean time I started getting letters of accelerate to foreclosure and collection calls. I called BOA loan modification department and they asked me to ignore the letters and continue making trial payments. I received foreclosure notice last week. I was really scared and surprised. When I called BOA about it, within 3 days they rejected my loan modification application which was pending for 10 months.
All these time, I have been paying trial payments and have never missed even a single payment. Boa reported to credit companies as a delinquency and now my credit score is down from 790 to 660. I feel I am been screwed. They want all the money in next 2 weeks now. I don’t know what to do. They are going to foreclose my house.
I want to retain this house and don't want to let it go to foreclosure or short sale.

My Bank of America credit card charged my checking account twice with its autopay feature in September. The second time it overdrew my checking account. Once I discovered what happened, I contacted B of A and they admitted their error and refunded the second withdrawal back to my checking account, though it did take about two weeks to see the money in my account again. Soon after I found a "return check fee" in the amount of $25 for the second withdrawal that overdrew my account, not from my checking account's bank, but from B of A on my credit card. Again, I explained the situation and they reversed that charge.
Then, a month after all this, I get a "cash advance interest fee" for the refund they gave me in the amount of $90.03. I told them of their error, the confusion, to multiple people, and they absolutely believe they're in the right and it's a legitimate charge. I have nobody to turn to because normally when I get hit with a fraudulent charge, the credit card company covers it.

My online banking name is reporting as my ex-husbands name and bank of america also approved him a $43k truck loan on my previously paid boat loan, obtained as a single person in my name only. When we were married I was added to his bank account, however my boat loan stayed in my name only and was paid off in 2005. Come to find out now that my mortgage loan has been sold to BOA, I try to set up my online banking account only to find I'm listed as a co-owner on a $43k loan for a truck my ex-husband got after we were divorced and our accounts are all the sudden consolidated. No paperwork, no acknowlegement and no signature!
I would have never found out I was listed as a co-owner had I not registered my mortgage loan for online banking. Needless to say, after 8 phone calls, numerous passing the buck from online banking to mortgage, back to online banking to technical assistance, back to mortage and online banking again, I got a rep who slipped up and told me the original rep had consolidated our accounts and oops, he also got approved on my previously paid off bank of america boat loan for his new truck. Just happens during the 4+ years I haven't been a BOA customer (THANK GOD I HAD 4+ STRESS FREE YEARS UNTIL NOW) BOA has gone through many software and programming changes and evidently our accounts, even though we provided BOA forms and divorce decree at time of divorce in early 2006 to remove me from his bank account and my boat loan was paid off and never shown to be consolidated with his name or a revolving line of credit. Now all the sudden, conviently, my paid off boat loan is a revolving line of credit and BOA is blaming the programming for consoldiating the accounts, that's the reason he was issued the credit.
My ex-husband and I parted on good terms and he is now refinancing his vehicle loan to get it out of my name. BOA wants me to bring paperwork showing my name change after 2006 in order to remove him from the mortgage and restore my maiden name which the mortgage was taken out in. Funny thing, I have no paperwork after 2006 showing a name change, because there wasn't one! BOA is the one that just consoldiated the accounts miraciously and changed my name.
Only thing BOA has done is make it where I can't see my ex-husbands line of credit account(my previous paid off boat installment loan) and he cannot see my mortgage. However the issues are still unresolved! I'm a co-owner on a loan I never signed for, my mortgage is showing in my ex-husbands name. Why am I having to provide paperwork and time and effort working to clear up something BOA screwed up on it's own.
I have posted this on my Facebook page for everyone to see. Not to mention I plan to tell EVERYONE I know not to trust BOA and also goto the local networks as well as newspapers, major networks and seek an attorney.
I'm sure there is an attorney out there somewhere that would be hungry enough to take on a banking giant, that has outgrown their pants and refuses to give customer service, when that attorney might get his portion of a multi-million dollar settlement for defrauding customers and violating their rights and issuing credit to customers illegally!
It's on like Donkey Kong Bank of America. I may be one woman, but here me roar I have a huge mouth and plan to make sure I'm heard in every square mile of the earth. It ain't over, til it's over!
BANK OF AMERICA NEEDS TO WAKE UP!! MANAGEMENT AND CUSTOMER SERVICE NEED TO LEARN HOW TO TAKE OWNERSHIP OF PROBLEMS THEY CREATED!

I have paid more than the minimum monthly payment and on time. My interest rate went from 7.99 to 13.99 to 19.99.

I have called Bank of America to ask to lower my interest rate since my financial circumstances have changed since I opened the card. Each time I have been refused.

Those who pay in a timely manner are penalized for those who have stopped paying on their cards.

I vaguely remember that BOA had a television commercial saying they would help those who were having financial difficulties because of the economy. I must have been dreaming.