In process of refinancing my mortgage I was told that I was qualify to do so and 3 days later when I called back to start the process I was not able to contact the original person that I talked to and I was told by another person that I was not qualify to refinance and that the person that talked to me "had no idea what she was talking about". I left massages and emailed the original person and never received a call back. I called back and asked to speak to a supervisor and left massages with him (Matt Ellis) he never called back either. When I called back to talk to someone else the person answering the Phone(Edward painter) after few attempts to get someone on line Hung Up on me. This is the kind of bank that destroys other banks reputation. This was one the worst service experiences in my ifetime.

I am glad I ran into this site because I thought it was just Me! I have been charged hundreds of dollars in NSF charges due to manipulating of deposits and debits by B of A to maximize NSF charges. The tactics they employed were criminal in my opinion. Tactic #1, over a three day period they would debit the largest charge first to put my account in the negative and then charge small debits as NSF when the larger debit actually occurred two days after the smaller debits. This allowed them to charge 4 or 5 $35.00 NSF charges that would NOT have overdrawn the account had they been kept in the actual order that they occurred! Tactic #2, When a check was mailed by the "Bill Pay" company(which they claimed was a seperate entity) they charged an NSF charge even though the check did NOT clear until two days later when there were sufficient funds to cover it. However, when a deposit was made by check from even the U.S. Treasury, they held the funds until the check cleared. C'mon B of A, You can't have it both ways. These tactics were changed when the government started to investigate preditory practices by banks. Note the dates of similar complaints on this website that stopped somewhere around Sept. of 2009. I really do not understand how people of good conscience actually defended these practices while knowing full well they were aiding and abetting B of A defrauding their customers. I guess it shows people will commit crimes for the pay check if the company is big enough.

Back in April 2009 BOA raised my mortgage by placing an Escrow on my account. They indicated that it was an Escrow for Flood Insurance and Regular Homeowners Insurance. Problem was...the home was NOT in a Flood Zone and this was proven when the loan began back in June 2005. It took 3 months for ME to resolve this as they made me jump through hoops with FEMA. I finally got their required documentation and yet they still are charging me from Jan. 2009 to July 2009 as July is when I got the FEMA paperwork stating I did NOT require flood insurance. Jan. 2009 to July 2009 BOA claims is justified. I say they are ripping me off.
The property is a property I DO NOT live in. I had it on the market from June 2007 to August 2009; then rented it. BOA states that for 4 months in 2008 I did not have regular homeowners insurance on it. They charged me forced insurance at a rate of almost $4500.00 per year. (THAT'S RIGHT $4500.00). They did all this in April 2009...very delayed charge I might add and I argued this. First it was for a mere 4 months that there was no coverage (my error) and second..how can BOA bill me a year later?
Customer service is the WORST I have EVER seen in any business. Many many many phone calls, can't reach the same person 2X, no one has the same information and bonus for me...I actually Pre-Qualified for a mortgage modification early Nov. 2009 (due to the additional Escrow non-won battle), submitted the proper paperwork end of Nov. 2009 only to finally get an answer in late Jan. 2010. They wouldn't give it to me...WHY?...Because some BOA stupid, incompetant employee CHANGED MY EXPENSE AMOUNT WITHOUT MY KNOWLEDGE..and now the home is in PRE-FORECLOSURE.
In a nutshell...BOA is going to end up taking my home for a lousy $5000.00 of which we are disputing.
10 letters sent out this week. A detailed letter regarding the entire ordeal, my situation, my plight, timeline of events/contacts, and of my written expenses (so they can't change the numbers themselves). 10 letters...hoping someone, somewhere will help us. 10 letters...The White House, The Fed. Reservere, The Atty General, CEO of BOA, President of BOA Home Loans, BOA Home Loans, etc...IS THERE ANY HOPE?????
What a shit show BOA is giving to their clients. I have banked with them since 1999 & have paid off 2 previous Mortgages...are they kidding????? I am good for it...but not when you make it out of my reach and NOT even care. DO NOT BANK WITH THEM...Pay attention...they are the single bank that is NOT DOING GOOD BY THEIR GOVERNMENT $$$$. I can't wait till I can give my business elsewhere. My husband and I are hard working, respectable citizens and this has not only potentially cost us a home, but tarnished our reputation along with our credit report/rating.
*****************DON'T BANK WITH BOA...KING OF RIP-OFFS***********************************

I started my refinance on my home 2/16/09 today is 4/21/09 still waiting to sign paper work. I have been banking with Bank Of America for the last 7 years and thought I would get treated good. I thought wrong and as soon as we get our loan done I am closing our accounts out..I am done with the Bank Of America ! ! ! No wonder they are in trouble they deserve it ! ! No service.. never return phone calls or emails...I don't recommend BOFA to anyone. Wells Fargo here I come and I hope they are better.

Bank of America is CHEATING customer on its current promotion of $100 bonus.<br />
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I did whatever it required; opened with $500 minimum, used check card one time, opened for 30 days. But their Vice President of Deposit Sales and Marketing, Paul R. Seddon wrote and refused to honor the promise based on a nonsense excuse of ..."the promotional incentive was declined as the account did not meet the funding requirement"...even after 5 e-mails to walk them through the promotion requirement.<br />
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Check out the promo page for proof http://www.bankofamerica.com/promos/jump/uspsmovers/index.cfm<br />
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I was surprised to see "bigger" bank, like Bank of America, acts as cheaty as "smaller" bank such as TC*Bank that is offering $50 bonus.