In January my husband after not working for several months started the paperwork to apply for a home loan modification through Bank of America. We were asked several times over a few months to provide the same documents over and over again. In August my husband received notice from one of his credit cards that they were reducing his limit (this was a business account) from $10, 000 to $1400. He contacted the credit agency to fine out BofA had notified the credit companies we were several months behind on our mortgage. I will skip all the fluff in between the past few months making phone calls to incompetent people to the present. Now we have been told we don't qualify but owe BofA $5000. BofA sent our loan to Freddie Mac, that was 2 months ago. Now we are still waiting but being told our mortgage is way behind as we have not paid. We have proof via canceled checks our mortgage has always been paid. Yes we paid the approved "TRIAL" period but we were never told to stop that payment. So, in a nutshell BofA has destroyed my husband's credit making it very difficult to run his business. What ever we owe to BofA will be put on the back of our loan so we will be actually paying more for the original loan. We were not one of those people who bought above our means...we actually purchased a foreclosure 3 years ago at $240, 000. We put $20, 000 down and now owe $172, 000. Our house is worth about $90, 000. It is really a shame that this bank has destroyed our credit, not helped reduce our mortgage payments but made them higher, and still have not given us a final answer. We have also asked for a total breakdown from them of all money in and out so that we can compare. We hear nothing from them. Should we walk away??? I was trying desperately to keep our house but now I am not sure we can because of the damage BofA has done.

I've been banking with Bank of America for years and thought they are good.

I recently started to notice that I got ripped off quite often.

Whenever I make deposits for more than 5k/day, BoA put a hold on my account for the amount over 5000 for a whole f... week. So when my scheduled payments due, BoA charged me for overdraft. Beautiful reason.

I called BoA today when I noticed the hold and both their customer services as well as the Suppervisor told me that there is nothing they can do about that. It's their policy.

Seem to me that BoA has become so big that they now don't need customers. We should go and do our banking some where else where they value us.

Im writing you today in response to bank of Americas poor customer service and possibly predatory business practices in 08/2010 of this year I started a automatic payment to pay a loan I have with them through my checking account bi-weekly I spoke to a customer service rep by the name of David who told me I should first send in the sum of 281.dollars I did than immediately start the bi-weekly payments starting within the same week that I sent [using my banks automatic payments I have all records available for review ] now because I did –not use bank of Americas auto-pay site they are attempting to charge me ‘’late fees’’ when I-AM a month ahead in my payments according to my records the customer service people at bank of America do-not want to assist me or be accountable for any conversations[they will record me and my conversations with them but will not assist me if I tell them I want to record ‘’our /my;’’ conversation for my own records and fallow –ups please help MR PAUL DICKSON 6629 BENNELL DR REYNOLDSBURG OHIO 43068 614- 863-1922 C.C MADE TO THE FOLLOWING AGENCIES BETTER Business Bureau Of Central Ohio Inc

Ste 30A, 1335 Dublin Road, Columbus, Ohio - (800) 759-2400
Ohio Attorney General Richard Cordray
30 E. Broad St., 17th Floor
Columbus, OH 43215

Governor's Office
Riffe Center, 30th Floor
77 South High Street
Columbus, OH 43215-6108

In June 2008 my husband loss his job in New Jersey and we live in Phialdelphia. I paid everymonth my mortgage until October 2009 when I knew it was to hard and I could qualify for a modification, especially HAMP since I have been eligible. I contacted them right away and was told to fax my documents and I would qualify . My mortgage payment was 819 and we received 1700 month. I have a family of five. I faxed what they told me and never heard anything so in December I went online to check out my account and it stated I was denied. I called BOA to ask why I wasnt notified and they said they didnt have to. So in January 2010 I started seeing a counsleor at the Dickson House 215-336-3511 rebecca Swanger to help me. We called them and received a fedex package requesting the same documents I faxed. On February 5, they sent me a letter stating they received all of my documents and will review them. never heard anything. Recieved another package, sent in same documents, never heard from them. I made several calls with rebecca where each time they said i qualified and they would send me out packages. (By the way we sent 6 authorizations stating I could talk on my husbands behalf and they never had anything) In April we finally talked to a Margurite( I am going to dickens house on Monday to get my whole file, it has the dates we called, people we talked to and the result) We were told a Devon in the excalation department would take care of us and he will be the only one, I was so excited it was like finally well he called one time in May then finally and ironically he called in July(6 mos after) but at that moment my husbands unemplyment stopped but my husband was approved SSD which we would get an award letter . Devon said once I get that send it in and they will approve it( why didnt they approve it all those months and they never told me why not, never) but August 31 I recd a fedex from them stating I didnt qulaify for the HAMP because of missing documents. So I contacted Darlene at the HOPE Hotline . We were on the phone with them for 3 hours and she has all the notes. We were never told why I didnt qualify even though she told them they were in violation because with my financials I should qualify. So we finally got in touch with a Christopher Boyd who said he will be our negotiatior and the final one and said I could fax him the documents which I did Sept 16 I called him Sept 17 and left message he called back and said he received everything and I was good . Now I just received another fedex requesting the same info and so I called HOPE hotline again and we spoke to an Anita who said I was denied becuase of missing documentation, she said I didnt qualify ( Darlene told me they can not deny me becuase of that) then tonight a member of the HOPE team from BOA called me to see if I got thier package. I said I was on the phone with thier modificaition team today for 2 hours. What is going on. We receive about now 1150 mo plus 600 food stamps. My Mortgage is above %31 but why wont they give me a trial period Please Please help. They are in severe violation See my house is nice and I have equity in The one negotiatior told me that the HAMP Program is for the people whose house is not market value the ones who caused this mess to begin with PLs I just want a Hamp and make sure my house is safe.

Also today Anita was talking about recently she had no answer when I asked why I was never qualkified since November when I have been trying.

bank of america is the most disorganized, inefficient fraudulent bank.
they are rude, do not care about their customers .
i had paid my monthly mortgage and the money was even debitted from my account
but the money was lost by the bank, but they started charging me late fee and harrassing me for a repeat payment.
when i called the bank with proof of payment and the debit from my account, they referred me to the research department.
they promised to look into the matter and stop the creditors calls and refund the late fee.
the following month my statement included double the payment plus the late charges with interest
i ccalled again and they said that they would look into that.
creditors ccontinued to harrass me.
this continued for subsequent months - for a period of 5 months during which time i spend atleast 3 hours a week talking to the morgage .
no one in the mortage department would give their last name.
finally they traced money and apparently resolved the issue, only to get the mortgage statement including a late fee of 402 dollars saying i had not paid it
i already have 3 mortgages with them, that was fraudulently given to me with misrepresentation and over and above that, they are continuing to harrass me,
i have just contacted an attorney to help me through this ordeal
please do not go to BOA for any of your mortgages or even banking.
i have heard this type of complaints from several of my friends