I was given a home modifiaction trial period by BOA in November 2009. I paid December and November on time, but I lost my job of 4 plus years on December 28, 2009. As a result, I was late on the 3rd and final trial payment in January 2010. I did contact BOA at that time, and let them know I lost my job. I recieved a letter on January 27, 2010, stating that if I did not make the payment in 30 days, I would not get the modifiaction. I made the payment on Feb. 27, 2010. By April 20, 2010, I was caught up on mod payments, but was still under review for permanent modifiaction. I recieved a letter on May 6, 2010, stating that I had been denied the modification due to the late payment of January. Why wait five months to deny me? BOA refuses any workouts. I have became self-employed in February 2010, but the bank wont accept my self-employment as sufficient income to work out another deal. I dont know what to do. I dont want to lose my house.

bank of america is the worst bank i have ever dealt with in my entire life. Not only have they lied to my family but have done worse then that. I HAVE SPOKEN TOA FELLOW BY THE NAME OF JOHNATHON WOODWORD WHO IS USELESS. IF ANY ONE FROM BANK OF AMERICA WITH SOME KIND OF AUTHORITY IS INTERESTED IN HEARING THE DETAILS OF WHAT TANSPIRED I WOULD BE MORE THEN HAPPY TO DISCUSS IT. yOU CAN CONTACT ME AT 860-986-1777 OR 860-432-1445.

I had a Bank of America card for over a decade. When I canceled the account because the reward program didn't fit my need, no one asked me if there may be another card or program that may better meet my needs. When I called back to inquire about another card they had that had no annual fee, a young lady through the executive line informed me that all cards carried annual fees. When I shared with her, about her own company, that, indeed, there are BOA cards out there that require no annual fee, she simply said. Uh, I'm sorry there's been some confusion, you're right, that card was overlooked. To which I said, "I'm sorry, if there's that much confusion with your offerings, then perhaps I should contact another bank."

I am canceling my mortgage application with BOA. I am bewildered. I am not sure who to blame for the lack of response and communication concerning this loan. I went with BOA because I expected great communication and service. Before I applied, I ask Colleen Mitchell (loan officer) a question...Will my loan be approved and ready for closing by 5/14/10. This was in February. She said that it would not be a problem.

A week and some days had gone by and there was no response. I called and left messages. No response until the end of that week. She says that she needs the contract before she can start on anything, even though I had sent my information to her. Why did she not tell my Realtor and I this? My Realtor sent her the information. Guess what? My information is still not submitted/inputted into the system. Finally Sheila Melendez (her assistant) did it. Thank God for that.

I am still calling and emailing Colleen only to find out through another person that she no longer works for BOA. There goes another week. After a while I was contacted by Zoila with information that I needed to send/fax. I did just that by the end of the day (I thought). If I forgot to send something or I forgot to sign a letter, just pick up the phone and tell me or send an email saying...Hey, I got the letter but it is not signed. That is simple.

I feel as if I am so alone on this deal. I am trying to make it work but I am in a tunnel listening to my echo. I know that they are busy and have other loans to process. I know that my loan is not much money ($19, 200) at all compared to other home loans. I know that some things are probably out of their hands. But communicate with me. If I send an email, it is OK and your responsibility to respond or get someone to do so.

I have been down this road before with the other closing that I completely gave up on that took 5 months to close. I can not go through this again. I thought that by coming to BOA their processes would be more efficient and the communication would be better. I have been a customer with them since 1999 and I will say that I am saddened at the way this has turned out.

I have given the documents that you requested "online" quickly and orderly. I know that most people do not do what I have done. Does BOA realize that the news has published that you are the worst bank in the country for customer service? You had an opportunity to prove them wrong...with me. Do not think that this is easy for me.

I am loosing $1340 of my hard earned money. You have taken $535 for an appraisal and $35 for a credit report from me (upfront). I had to pay $300 for a survey and my $500 earnest money is gone also. That hurts.

This is just classic big bank behavior of the 21st century. After depositing money at 10:18 PM (time will be a theme here) into a Bank of America ATM I subsequently logged into my account via my iPhone app to schedule a transfer to my savings account. I proceed through the prompts and reach the final screen before the transfer is completed. At the bottom it reads "Make sure there are sufficient funds in the From account. Otherwise, overdraft, returned item, or other fees may apply. See your Account Agreement and Fee Schedule for details." I glance up at my available balance to find that it is sufficiently greater than the amount I intend to transfer and thus click "Make Transfer". With my money properly allocated, I proceed to walk home.

In the morning I check the balances on my various accounts, as I've gotten in the habit of doing, and discover that I have overdraft fees. During a rather rude and patronizing conversation with a customer service rep I'm informed that all ATM deposits made after 8:00 PM do not officially post until the next day. I'm told this is so because, and I'm paraphrasing, that the accountants can't work 24 hours per day. A fair point, but why then was my balance transfer processed ahead of my cash deposit? It seems to me that these transactions should be processed sequentially. Well, as it turns out balance transfers will post up to 10:45 PM on the same day. I argue with the customer service representative that that's unrealistic for customers to expect that different transactions have different posting times. He argues that the iPhone app clearly says that all balance transfers made after 10:45 PM will post the next day and that since I made the transfer at 10:18 I should have known that the transfer would be processed immediately. Another fair point, but only superficially so because the app only informs you of the time table for processing transactions AFTER YOU'VE MADE THE TRANSFER. What's more the available balance listed included my ATM deposit. So how can the money I deposited be included in my available balance and simultaneously NOT be available? A good question for Bank of America, one that I'm hoping they'll be able to answer soon.