This is the letter I FAXED to BOA today. I still find it hard to believe what they've done to me and my credit score...for no reason that I can think of...
should I seek legal damages? I'm sure I would lose. With the cancer and treatement side effects I don't have much energy. I guess I was naive...

I am writing you today to express my extreme disappointment (and disbelief) about how I’ve been treated by BOA. Prior to my finding out recently that I was reported by BOA to all 3 credit agencies that I was 90 days late on my mortgage loan I thought BOA was a caring bank.
The reason I thought this is because last September 2009 I was diagnosed with a rare type of cancer. I immediately started undergoing daily high radiation treatments. By November 2009 I was so sick that I could not swallow and had difficulty talking. I had to have a feeding tube surgically placed into my stomach to receive nutrition because I was unable to swallow. During this terrible period I called BOA (with much difficulty talking) to ask if they had any special programs or options to assist someone like me – a good customer that expected to be back to work etc in just a few months but would appreciate a break with house payments for 2-4 months since I was unable to work and was feeling very stressed about my finances. I was told by a helpful BOA rep. that I could receive a special forbearance agreement and my monthly mortgage payments would be suspended for 3 months (interest etc would continue to accrue). When I heard this I was thrilled because, while I could and would continue making my payments on time every month as I had for the previous 9 years, a 3 month break would relieve some of my financial stress. I was so happy and pleased that BOA had this program to help people undergoing an unusual and temporary situational stress. I soon received a contract that stated I would not need to make payments for Dec., Jan and Feb. (12/2009 – 2/2010). I was very happy.
I was BOA’s biggest fan at that point. Suspending my payments for 3 months while I was receiving chemotherapy. WOW, a big bank actually caring that I was sick and giving me a break for a few months. I told many friends and family how helpful BOA was.
I received the contract, reviewed it quickly (as I was extremely ill and thought I could trust BOA) and returned it.
I guess I was painfully naive or just plain stupid.
Shortly after my cancer treatment ended I returned to work and tried to get on with my life. I did sell my home (that was financed by BOA) in March 2010.
I recently discovered that the 3 months of suspended loan payments was reported by BOA to credit agencies as me being 3 months late on my payments!!! This report has ruined my credit. I contacted BOA thinking this was some kind of error. They now tell me that it is stated in the contract I signed that while they were suspending my payments for 3 months they were still going to report me as late to credit agencies. I am in disbelief. Why would they do this to me? What do they have to gain? What purpose does this serve to BOA or anyone? If I had realized that this was their plan (to give me 3 months of suspended benefits but reporting me 3 months behind on payments) I would NEVER have signed the document and would have found a way to make my payments on time every month as I had for the past 9 years. So now I’m going to suffer for years because BOA wants to kick me while I’m down???
For the life of me I just can’t understand what their purpose is.
Why won’t they take this off my credit report???? Yes, I signed this contact…..yes; I did not understand this point in the contract….but again…why??? Is it punishment for being sick and asking for some help?
• 9 years of on time payments
• BOA Signed agreement for suspension of payments for 3 months while undergoing daily cancer treatment
• Now reported as 90 days late on credit report
WHY???? Punishment for asking for and receiving help?? There is NO OTHER REASON!!!
Let’s end this now. Please fix this.
[email protected]

I have been with BofA for approx 2 months, I have made weekly deposits from the same issuer and in the same amount. The deposited checks have never bounced and are from a local business bank. BofA places holds on my check every week for three business day which happenes to close at 5pm. This practice has caused me to have checks returned because of this hold. I call BofA and spoke with Michelle from costomer solutions, who could not explain why a hold was placed every week. I asked for the hold to be remove so I could access my founds. Of course she was a robot and could not think outside the box. I feel they place holds on checks in an attempt to get over draft fees. I would shop around before banking here at B of A.

Bank of America reset my account to accept all transactions pending the law changes next week. I did 7 transactions all small when I thought my card should have declined if it was empty it APPROVED all of them, now they charged me 7 NSF fees of $35.00 each, I talked to management they said ALL ACCOUNTS were reset as the law would be changing AUGUST 1st and people had to opt in to not have the fees anymore. You think you have your account set, but this bank with Deep pockets just wants to take what they can until the law passes. They have no compassion, they even admitted it was changed, NOT BY ME, , , , they decided to line there cheating pockets before they lost income from broke people. WATCH out if you bank there they are HORRIBLE>

Bank of America bought my escrow company. The beginning of my nightmare. They doubled my escrow payment for no reason. They then applied my principal/interest payment to that fraudulent charge. I immediatly got the escrow department to reverse that payment amount because there was no reason for it. The bank, for eight months so far, has been adding late fees for the misapplying of my contractually obligated payment to the escrow which I can, and will, cancel at any time. I have been through a dozen customer service agt who can not help me, but whose job it is to shut me up and get me off the phone. After a few months i just demand a supervisor. I have been hung up on when I ask for one. I was told by one that they reapplied the payment and the problem was fixed, but they cannot waivve all the late fees. I got a supervisor who did not have the power to waive but one late fee, when there were months of them. She spent a month and waived all the fees. but the fees kept being applied. She refused to waive more, because the misapplied payment, from months ago was still misapplied and showing each month late. She referred me to a different department and that person claimed they fixed it and waived the late fees. yet i am still getting late fees. and i am unable to get through to anyone but customer service agents with no power and bad attitudes.

This is all fraudulent by the bank. first doubling a payment, then taking the money from my regular, timely payment and put it on the fraudulenty doubled payment. then charging late fees every month. and NOT ONE PERSON who has power to see the problem and fix it, but everyone giving me run arounds and outright lies to shut me up and get me off the phone!

Bank of America is pure evil!! They are robbing us blind stating that we owe 4 months on our mortgage when we only owe one, mainly because we had to fall behind on our payments to qualify for a loan modification. We used to have Taylor, Bean and Whitaker who went bankrupt and obviously BofA purchased their loans for pennies on the dollar. I have a PMI which guaratees these delinquents about $100, 000 from the government and alot more when they sell this house in foreclosure. Sadly, we fell into hardship when my hours were reduced at work and also the mounting expenses for our disabled son. We have been trying to modify our loan since December 2009 and they obviously are stalling and do not want to help. They will make a lot more money foreclosing on this house. I had to acquire an attorney in April due to their malicious practices and fraudulent behavior with my account. We are extremely upset and have been paying the price emotionally. My hair is falling out. My family is in turmoil because of this. My blood pressure is out of control and goes up dangerously high every time I have to speak to one of these incompetant reps that constantly lie to us. I am taking blood pressure pills everyday now because of all this distress. I am gravely depressed and obsessed with this situation. I have even had suicidal thoughts. This is truly disturbing how they can crush a family like this and cause so much pain and suffering. They have no intention in helping anyone but themselves with our tax money. I had filed a complaint with the Attorney General and he has shown interest in my case and hopefully they will investigate and prosecute to the full extent of the law Mr. Moynihan (CEO) and all of the other voltures involved in this. They need to be stopped!!!