Bank of America
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Category: Business & Finances
Contact Information
Florida, United States
Phone number: 8006690102
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Bank of America Reviews
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annalease
April 27, 2010
Misled
We have been making partial payments on our home loan with Bank of America, due to layoffs and lack of work due to the economy. We recently spoke to a customer rep. informing the that our financial situation had inproved and that we could increase our payment at which time the representative we got did not speak ENGLISH very well at all. He kept saying reinstatement. A few days later we were contacted by another BofA representative inquiring when payment could be expected, a week from the day was agreed He gave us a new amount to pay $1, 348.13 to be Western Union transferred. We sent the amount that we were told on the 17th and on the 24th we received a phone call that our payment was declined, the representative was very informative, more information was given to us by her than any other representative we have spoke to loud and clear she let us know that they will not accept any payments until a full payment of 14, 515.13 our records show that your house is in FORECLOSURE. Just when our financial situation started to improve and we have consistently made payments, not full payments, they want to foreclose on a house we have been paying on for 18years! How does a person sleep at night!
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pmf1
April 26, 2010
customer service
I had agreed with Bank of America to make payments on my credit card.
I wrote BOA a letter informing them I would only be able to pay 50% of the payment.
I lost my employment and religiously made my payments.
I continued to make my payments religiously.
After about 5 months they called me and said I should stop sending in payments.
I was flabberghasted !
I subsequently stopped the payments since they told me to.
Subsequently, collection agencies started contacting me.
I have adapted a letter that I now send them registered mail.
It stops the telephone calls and they quit contacting me.
I am not encouraging anyone to stop paying their credit card debt, but if you are ill-treated like me I encourage to act accordingly.
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Freglane
April 26, 2010
Worst bank ever
I've experienced one of most horrible customer service after calling the Bank of America (BofA) toll free number. The rep made jokes about the payment I sent the previous month to pay a credit card balance that BofA never credited to my account, plus posted a $39 late fee. He said that live was though and should get over and send a "good" check.
In September, I sent 3 checks to pay my credit card balance (never missed a payment either with them or any other bank). I received a letter stating that they could not honor one of the checks because it was a cash advanced check issued by a financial institution from the same FIA group, what I understand. But, one of checks was a personal check for $8, 000 from my checking account (with more than enough funds to cover it) and the other was another cash advance check from another financial institution. Even though the fact that I sent 2 cash advance checks may have sent the wrong message, I don't have any balance at all on those accounts and was trying to lower my over all interest with a couple of offers, since BofA had recently increased to an insane 17.9%.
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Scableron
April 23, 2010
They are simply a scam artists
IM FURIOUS!!! Well I didnt want to open an account with this bank in the first place, but the lady said she could open a student checking account and absolutely get me a credit card even though i have never had credit, i then informed her that i would use this account for direct deposit. She said go ahead and give you payroll department a blank check. Sounds easy... Dont think so. As i woke up friday and checked my bank account to my surprise there was no money in my account. So I called customer service and the lady told me that since florida is soooooo over populated they have to issue a separate routing number for direct deposit. WHY? WHY? This is the only bank that does this in florida!!! Because they are scam artist! Long story short they still havnt given me my money and its been 4 days. ALLLLLL because this didnt give me the correct routing number! and customer service is like "we apologize" well so do i because when im through with this someone will be unemployed! What a great bank!
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IER
April 23, 2010
Run Around / Stonewalling
On 3/9 I contacted Bank of America Home Loans. The person who took my loan was Chad Harter in AZ. On taking my app, I explained that 4/23/2010 was my closing date and the reason I was going with BofA was because aprevious bank made a bad error that left a bad taste in my mouth so I didn't want their mortgage.
HE took my app, and I sent all the documents needed. I was assigned to Toni Ann Magadino in Long Island, NY. After forwarding her the documents, again, she was removed from my loan.
I was then assigned April Connolly out of Melville, VT. I got a conditional approval with a letter of conditional items. I supplied all these documents on April 1st, 2010.
My loan documents were not looked at until APRIL 16, 2010. That is a week before closing. It's incredible!
The week before closing, I received a letter asking for more documents. The day BEFORE closing, I received another letter asking for:
a) a marriage license (because I did not take my husband's name)
b) a letter from my post office that my physical address is the same as my POBox - ie, both were to me.
c) 20 other documents that would take days to get.
Why this stuff wasn't needed a month ago, I dont understand. I feel that they didnt have time to do my mortgage, knew that and stonewalled me.
My lawyer, in the business locally for 30+ years, said he's never heard of a marriage license requirement or a post office requirement.
I was able to, a day before closing, find another provider I have a business relationship with to write me a mortgage. I have excellent credit and financial reserves.
Bank of America wanted my business, and was willing to lie to keep my business. They've now lost all my business.
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jo40mc
April 22, 2010
Beware of hidden escrow accounts!
Yet another BOA scam unfolds! We just found out that BOA opened an escrow account "on our behalf" to pay our real estate taxes and property insurance bills this year. Problem is: WE ALREADY PAID THE BILLS DIRECTLY OURSELVES! Yes, incredible but true! We wondered why our mortgage payments so far this year are being considered only "partial"? Well, guess what! Good ol' BOA had been applying a portion of each and every monthly payment we made to this mysterious escrow account, which of course had a NEGATIVE BALANCE since we had NEVER SET IT UP or added to it in the first place. Amazingly, they even think they are entitled to the "late fees" they are charging us since we "only made partial payments" on our mortgage! The gall of these people is truly remarkable. Watch out, America, BOA is taking Uncle Sam's bail-out money and doubling it by using unethical business practices against us poor unsuspecting consumers. IT'S TIME FOR US TO TAKE THEM DOWN! REMOVE ALL OF YOUR MONEY FROM ANY ACCOUNT AFFILIATED WITH BANK OF AMERICA TODAY!
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Tim K.
April 22, 2010
Lowered credit limits
I am getting married in October 2010. I have been preparing financially by moving debt around and paying off as I should. I have never been late on a payment and I have been a loyal Bank of America customer with two credit cards, a checking account and an auto loan with them. I recently was helping out my sister with her debt so I had taken it onto my initial Bank of America platinum credit card. To align my debt properly I moved her debt to a different credit card company with my parents and moved my debt to a new Bank of America Cash rewards card (second card). In the process of the balance transfers I had asked Lisa Bird (approximately a week before I post this) to swap the credit lines on my credit cards. Not only did she not swap the credit lines specifically stating that I had debt on the platinum Visa - which I had demonstrated to her that was in the process of being moved - but she called out for both of my credit lines to be lowered! I received the letters today April 21, 2010 of these actions; with no notice on the phone conversation with her. This was obviously infuriating and detrimental to my financial position, both long term (mortgage loan when married) and short term (wedding expenses). I was capped out because of Lisa Bird's failure to pay attention to details. Moreover, I was approved not even a month before for the Cash Rewards credit card for that limit, and now all of a sudden WITH LESS DEBT I had become liability???? Today I called Courtney from Phoenix Bank of America and she was very helpful even after my ill choice of words. She was able to help but not put me in the position I once was and more importantly, should be in. If anything, I should have an even higher credit limit for controlling my debt properly (and of course having a high credit score and being a good customer).
As a side note, a separate online chat involving a salesperson Sara was chock full of misinformation about authorized users and credit scores. The same type of misinformation that could lead to very serious credit issues.
I will not rest until I am back to par.
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hyloo
April 22, 2010
Bad Business
After moving to Virginia from Ohio, we opened a checking/"keep the change" savings account with Bank of America. Nothing but problems from the get go...! My first payroll check was held for 1 week (all but $100)...no one told me that would happen when I opened acct. Apparently since it was drawn on another bank..that is why. Ridiculous! I was told this would only happen once...hah..it happened again, and again. My fiance' received his bank card 1 day prior to going out of state for training for his new job. Used the card once, then when trying to use his card to pay for his meal, declined! He called customer service and they told him it had been blocked, due to suspicion of fraud. No one bother to call him or I. They would not fix the problem...he used the $50 he had on him to pay for his meal and was left with no money for 3 days. This was a temp card til he received his actual card...in a week. I find that when you make deposits, (other than cash), they hold those deposits til 9 am the next day...the funds are added into your available balance...as a pending transaction. Which in turn you can still use your debit card...but they will let those transactions go throught 1st, therefore possibly causing an OD on your acct, before deposit is acutally posted. So, if you didn't have enough in acct. prior to that deposit...you will get charged OD fees and more fees on top of that. Kind of tricky if you ask me...and trust me...we have had many OD fees credited back due to trying to hold my paychecks for 1 week, when they shouldn't. They also try to keep me from cashing my paycheck as well...the excuse is "It won't let us cash it" or "you will have to deposit it then do a less cash received"...this way it does not credit right away...but yet you can still use your debit card on that pending deposit and rack up fees. The bank also charged us a $10 fee for them transferring money from my savings to checking in order to cover a transaction coming through. Seriously?! They charge you for them to do their job...amazing! Customer service at the branch I utilize and opened my account at, is the most unorganized and if you go in and ask the same question to 4 different people, the answer will be different each time. We have dealt with the VP since all of this has happened...she has seen our frustration and has helped us out...but unfortunately when she fixes one problem...one or two more come up. We have given them many chances and we have decided to move on. We were warned before we opened an account with them and we should have listened...so for any of you want to bank with them...please think seriously before you act. Oh and just to let you know Bank of America managed to NOT pay their taxes last year...hmmmm? Mind you we have only had this account for a little over 30 days...and too many problems in that short of time if you ask me. If you decide to bank with...make sure they inform you of EVERYTHING as far as their policies on new accounts...because there was a lot of information that we didn't get...and a lot more policies that came up as we went...who knows which ones are right though. Different CSRs give you different answers.
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Musikka
April 21, 2010
No answers, no returns of the money
I completely support all the negative sides of the bank. I am a student and I don't work. For the last few months I have been charged for overdraft fees for payments going through the account on weird dates much later that I paid. They change the online banking as well and I can't follow it. I have fees taken from me for amounts of money I haven't approved. My checks have 1$ extra every time. No answers. No returns of the money. No help. I am looking for a lawyer now and I will inform many authorities about this issue because is not about money anymore. Is about my dignity and rights to know the truth, not their copy/paste e-mails i receive every day.
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Screwed out of my Money
April 21, 2010
$40 Account Closure Fee
Yes, they, Bank of America, screwed me too! I opened the account, was given a temp bank card, temp checks, a BIG WELCOME package and told to make sure I activated my new card at their ATM before leaving. Well, now I am magically overdrawn by $65 on a $50 deposit that I had only withdrew $20 at their ATM to activate the card and drove across the street and put $20 in my gas tank.
HOW IN THE HELL IS THIS POSSIBLE?
Is this how they are trying to repay the BILLIONS they STOLE from the TAXPAYERS?
UNDISCLOSED Research Fees?
I am going to report them to everybody who will listen, FTC, Federal Banking Commission, I am even going to contact every fricken NEWS channel who will listen!
DO NOT GO TO BANK OF AMERICA! YOU WILL LOSE!!!
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