Bank of America Reviews

We called BofA and asked them what was going on. A lady called Nicole, who was the supervisor on shift, told us that the funds cannot be availed until after 2 weeks because I am a new customer. She said since the check was over $5000, she cannot expedite the clearing process. We would have to wait 2 weeks. Well, we explained our situation and status. We begged her for over 1 hour on the phone to understand and at least contact whoever can expedite the process and get the check cleared in about 2 days, as my wife would be in labor then.

She went ahead and explained that because we have no relationship with the bank, this cannot happen. She also said that we just have find other ways to get through the situation and also if I want, I could just close account and they will mail us a check once it has processed and they have verified with the US treasury that they indeed issued the check.

This was a big mistake that I did--depositing my tax refund with this bank, thinking that it would be easier. I always cashed my tax refund checks at Wal-Mart and then deposited the cash in the bank. This time I had to learn the hard way. My neighbors did understand my situation; they helped us out during this time and still the check never cleared until after almost 4 weeks.

Bank of America had been charging me $3.00 fees for each transfer even when the account balance was kept. Also, when I opened this account, it had a minimum balance account, otherwise I would be charged a maintenance fee of $5.00. I looked back and noticed that they were charging me a maintenance fee when I had the appropriate amount in the account.

I fought with this bank for over a year to get them to credit extra mortgage payments to the principal, so I can reduce the interest due. They simply want to take money from me. Even with the reduced interest of over $14K, they did not report the full amount of interest I paid. I track every penny. I cannot stand this bank. I think they are a bunch of thieves and have come up with creative accounting methods to steal money from their customers. The only way to keep them from stealing your money is to really pay attention to what they are doing.

In the meantime, for those customers who don't pay close attention, which are probably most people, get royally ripped off. Someone needs to look at the "creative" accounting methods of this bank. They are rip-off artists. I have the documentation to prove it.

When I opened my credit union account I kept Bank of America for when I travel, so I could still cash checks. My Norton Anti-virus subscription was still paid through the Bank of America account. I forgot to transfer it to my credit union. When my subscription renewal request went through, it put a negative balance of $3.65 on my account, for which I was charged a $35.00 overdraft fee, which is 958.9% interest due immediately. I was then sent an email stating I had to pay for it by March 16, 3 days from now, or get charged another $35.00. When I called to figure out what was going on, I was told by customer service that these fees would keep being applied until I brought the account to a zero balance. To make matters worse, to stop having this payment flagged as reoccurring, I would have to pay an additional $30.00 per charged item.

In the end my, $3.65 overdraft cost me $35.00, because customer service waived the $30.00 fee, not out of the kindness of their heart, but because I had to beg. This could have easily cost me $100.00 by Friday, if I didn't take care of it right away. What makes me really angry is the $30.00 fee for correcting their change to my account. I never asked Bank of America to make this reoccurring. Bank of America just assumed it was, and for it to be corrected I would have to pay. I'm not sure, but is this legal? What's more, and someone please correct me if I'm wrong, a federal law was passed in mid-2010, making banks inform their customers that their account would go in to the negative because of a debit/credit transaction. In my case, I was never informed. Does the reoccurring debit free Bank of America from having to informing me? It seems to me that Bank of America has found a loophole in the federal law, and for those of us who try to close it, they charge us.

So, luckily, I'm working near a Bank of America location. I went in and brought my account to zero, and closed the account. I will never use Bank of America again for anything. I will not even use their ATMs. Furthermore, I plan to spread my story as far as I can to warn others.

When I asked Wachovia why, I was told that I owed $800 to the bank. I was floored. I was told that the online balance was incorrect. I argued and was sent to the assistant manager. She told me that even though the money was in my account, it then comes off for two days before it is truly in the account. What a crock. All $800 was for fees that they had begun to charge me several days before. I called the $800 number twice and was given the runaround. I finally called the FBI and the gentleman I spoke to said, "You don't bank with Wachovia, do you?" I told him yes and he just sighed. He said they were investigating them for fraud concerning this very subject. I have never paid this money and now Wells Fargo won't even take me as a customer. They have absolutely ruined my credit and made it impossible for me to get a loan of any kind. How can I ever fix this? They hold all the cards.

On February 9, 2012, I had a draft hit my account but did not have the funds. I had previously contacted the company in anticipation of this happening, it being rejected, and made arrangements to pay it back on another day. Bank of America decided because I am such a long-term customer in good standing and they trust me, they honored the draft anyway, overdrawing my account in the end more than $300.

I contacted customer service immediately after noticing I had no money for gas or food and asked them to reverse the draft. I explained I made arrangements with the company and want it reversed and that I have other bills coming out and this is totally messing up my budget. The reason for the shortage in the first place was due to my paycheck from my PT job not being as much as needed. My hours were cut unexpectedly.

I was told that was not possible unless I filed a claim saying I did not owe the money. Well, I did owe the money but made arrangements to pay on another day. So although I am a trustworthy customer, I'm not trustworthy enough to be believed in this situation, I guess. So BofA believes me to be honorable enough to overdraw my account $133.31 initially, then after another draft they honored and an old check of $16 plus fees, it brought my account to a negative $398.31.

I then asked what the limit on overdrawing my account was. I appreciate the help; however, there should be a cap that I feel I can budget for. I also should have the right to decide just how overdrawn I want to be, especially if I call the day of the draft. I was told to either take it or leave it. I could let BofA decide and honor things at whim or I could go online and opt out. Now that is a predicament, isn't it? If I know I'm going to be 20 bucks short but will be able to make a deposit or a deposit is running a day late, I lose manageability of my cash flow.

I also referred to January when I had a delayed deposit that hit two days after my lease hit my bank. But BofA didn't honor that as a $452.49 favor for me. Well, the answer to that was "You were short $400.00."

OK, so fast forward to today, before continuing my complaint, again, they decided to honor and overdraw my account. This time it is $424.55. Hmmmm? Not only February 9 did I have to take the last twenty bucks out of my savings to get a couple gallons of gas to get to work and school for a couple days, my car insurance draft was rejected. That would have been a total overdraw of approximately $498.00 - $70 more than today. I have fees to pay to the insurance company, I have over a hundred dollars in fees from the 9th issue, more fees today that are continuing to hit, and I had to keep cash out of my account to pay my cell phone bill in cash, as that was rejected too.

I had to borrow money for food and gas, another very important bill, and a loan for money to put in my bank costing more in fees. I had my budget down to the dollar to be able to do all these things until my next pay on February 23. I'm barely scraping by until now, and it is catching up on me again. I have no money to recoup from this, no extra income, and no other sources.

The bank did me another favor honoring drafts and overdrawing my account, and this time the overdraw is at $424.55. The issue on the 9th caused such a huge trickle down from not allowing me to reverse a transaction, the fees, not paying other bills, having to get another loan, and that fee, the bank fees. it is so immense, and I am now drowning because of it.

I should be allowed to set a limit for overdraw protection if that is what it is going to be. There is no consistency with how the bank decides what to do. I am so screwed right now that I can't even deal with it. And I am wondering how I am going to pay my April lease and we just started March! I have insurance to pay and other bills and no bank balance to use or budget now. This is not right.

This is absolutely ridiculous and a perfect waste of my time to have to monitor. I will of course do this to avoid the fee. And then will go online to put the $25 back in my checking account where I wanted it in the first place. What on earth is the purpose of this?

On March 8, 2012, I called Bank of America. This phone call was made to inquire on where I stand with my contract. I needed to know when it ends and how much I would have to pay now. The representative seemed to be limited with his information. I spoke to a second representative after calling again. This second representative then told me that my contract will end in May of 2013 and that I would still have to pay $500. I was also asked for my tax payer ID because they seemed to no longer have that on record. I informed them that I no longer have a tax payer ID because I closed my business, but I gave them the number I had while in business.

She offered to have someone call me in regards to possibly closing it sooner. On March 9, 2012, I received a phone call from a Bank of America representative. I was then informed that after looking up my account, I not only could close my account out (without a penalty fee), but that I could have closed it in 2010, too. I had paid over $600 plus a few insufficient fund fees for not having the money to pay it on time. The representative offered to put in a request to possibly reimburse two monthly payments to compensate me. I gave them a total of nineteen months of payments because they denied my right to close the account without a huge penalty fee. I am very angry with Bank of America.

Even after I had called customer service and told them I would take care of the negative balance, the following day, they still charged me an additional $35 overdraft fee. They had sent me a notice, informing me about my account status and to make a deposit 5 business days from the date that my account was overdrawn.

However, I received this letter 7 days from that time, making it 2 days too late to do anything about it; and therefore, I was charged. My biggest mistake was opening an account with Bank of America to begin with. Now that I am a new graduate, struggling to find work, the bank I trusted made life even more difficult than it already is. I feel like I have been cheated and robbed. I will never again do business with Bank of America.

This debacle has cost me $185.00. I spoke to several "customer service” representatives in an attempt to resolve this matter. Each time, it was a new story. All I was asking Bank of America was to refund the $35.00 fee. They said it was my fault and their policy was not to grant the refund. Bank of America nickel and dimes their customers. The tellers are rude and the managers and supervisors at the branch are not helpful. Thus, I am going to close my checking/savings accounts and deal with a smaller, local bank that treats you with respect and wants to earn your business.

A couple of hours later, I called my account balance; and it had a positive amount. I wondered why. I checked my account online, and it showed the check was sent back. I called customer service, and the CSR couldn't help me by stopping the returned check. I requested to speak to a manager. I spoke with supervisor Theresa, and she stated there was nothing she can do. She apologized and said all she can do is speak to the CSR who gave me incorrect information and to coach her on what she should say.

I expressed to the manager how unfair this was and that she can at least refund me the $35, since I was given incorrect information. She denied my request and said she can't and that all she can do was speak to the CSR. I then asked if there was anyone above her I can speak with, and she said, "No." I then said that there has to be someone whom I can write a complaint to, and she finally gave me an address. I explained to her that it is very frustrating receiving incorrect information, thinking that I have time to correct my account balance.

I then went online and searched for a site where I can file a complaint online, and this is where it led me. I am hoping that something can be done about this. I have been baking with BofA for years, and I am very disappointed in the customer service I received. I am at least hoping to get the $35 refunded back to me.

I went back to the branch, and was given another number, a 900 number which would have cost me $25.00 to call, to get a simple 3 line letter by 5PM on the same day. I could not believe that it would take so much time and trouble, just to get a 3 line letter saying I have an account. I could not believe that in this day and age, it would be so hard for a bank so large, to give me a simple letter saying that I am a customer. That is very bad customer service. What a waste of time and manpower.

I now have to try and book a flight to the US and accommodation which I can barely afford or lose everything. Customer service promises that this can be done over the phone, I even have it in writing but none of them told me it could only be done by registering for wire transfers in person. I only transferred the money to the account as BOA wanted proof that I could pay for the condo. I feel very upset and let down that in this day and age, you cannot speak to a real human being without a 'no' attitude.

I explained to them the IRS doesn't care how you mail it to me, they just want to know what taxes were withheld. They argued this point. I became extremely irritated and several times I asked to be transferred to a manager. It took several phone calls to get a manager on the phone before low and behold, the money could be sent via FedEx. Their employees are extremely under-informed and rude to boot. So I thought all was well until I received no 1099R tax form so I could file my taxes. You must file all distributions with the IRS! So I called on February 7, asked it be sent. I was told 5 to 10 business days it would be on me. That's reasonable, same thing my company tells people since I work for a company that does the same thing. IRA is an everyday thing to me. My company processes that same request the same day they receive it. 1099R's are then mailed the next day.

Here it is Feb. 23 and still no 1099R. I called again only to be told that they are very behind and it will be 2 weeks for processing. Are you kidding me? They are so ignorant to tax laws and are the worst at customer service and get rude at the drop of a hat. I work for an extremely large financial firm, we would never treat our clients this way. I'm very glad I closed my accounts with them and I informed them of such! Oh, let's not forget that they have no record of my marriage nor name change so I'm fighting with them on that as well. They made copies of my marriage certificate! Worst institution ever. Do not bank with them or invest money with them.

However, the next time she tried to deposit the check, after coming back from a trade show in Las Vegas, when she went into the bank and tried to deposit the check into her business account, a rather stupid employee of the branch, Hugo was his name, at Pico and La Cienega told her they would not accept the check, unless she had both a business license, and a DBA form. This is after depositing checks for what seems forever with Bank of America. All of a sudden, they magically start refusing her checks. Not to mention, all she needed was to produce her DBA certificate, which was true and correct, and what Chase informed us. So, not only was she given wrong information by Hugo, the co-branch idiot said, "oh well Micha, I guess you were just lucky these last many years". That's what a bank's answer is to a client? You just got lucky? What types of imbeciles work at the Bank of America? Is this a banking institution, where they take people's hard earned money, or a kindergarten?

What happened next is, my girlfriend decides to deposit the check into her business account at a teller machine inside the bank, assuming Hugo, basically, was an idiot, which he is. The check gets rejected yet again, for no reason, and this time, instead of sending the check back to her, they sent it back to the original issuer, without even telling her. Mind you, this time they do not even send it through FedEx, which is traceable. Instead, they sent it through 7-10 days business mail. A large amount of check that can get lost in the mail. Not to mention, she now had to wait even longer to receive the funds she needs for her business, and the way it runs.

We decide to go together into the Bank of America branch, and demanded to speak to the branch manager, Robert **, who apparently must be the namesake of the alcoholic drink itself, because not only was he dressed like a used car salesman, his attitude from the very beginning was so distasteful. I could care less what your problem is, that me personally, nor my girlfriend have ever witnessed or experienced such rude behavior. Mind you, this is her livelihood and money, and business, we are talking out here. You would think it mattered enough to Robert **, cheese ball branch manager of Bank of America at Pico and La Ciengega to be respectful. When I drew to his attention that we were not happy with the way this entire situation has been handled, and that we were frustrated to no end with Bank of America, and this particular branch, he said, ''I do not care for your tone, so why don't you settle down and speak to me differently".

Really? So this cheese ball not only dictates how people should feel about losing 30 to 60 thousand dollars in income, because Bank of America can not do its job, but he then decides to tell people how they should feel? He then proceeded to not only ignore me, as if I was not in the room. He then proceeded to provoke me into becoming livid by then, addressing to my girlfriend. 39 minutes later, after he had literally done nothing, "I see by all the head shaking Micha, we could try to do something". Again, nothing but attitude from a clown in a terrible business suit. 2 and half hours later, he gave no answers as to how the employees at this branch could not do their jobs correctly in the first place. Why they give out incorrect information, why a banking institution suddenly, after years and years, decided to not accept checks that they should have, but then give attitude to customers for being not only angry with Bank of America, but are in the right.

Robert **, the branch manager at 0308 of Bank of America Pico and La Cienega should be fired for his rude, unhelpful, and extremely callous attitude. Not to mention, his appearance is not becoming of a manager of any business that handles individuals' money, private or corporate. Personally, I walked in on purpose dressed in jeans, casual shoes, and a hooded jacket over it. Why? Because I used to do millions of dollars worth of business with Bank of America per year, that is until after today. I do not like people to judge someone based on appearance, just because I do not look like I may be anyone important for a day, however, if I walked in in my $3,000 Armani suit with two assistants, I am sure he would have paid me more respect and attention.

It's Bank of America's loss. They can read about in in the Wall Street Journal, because I am pulling my business affairs with them after today, and the actions of Bank of America and Robert **, on behalf of Bank of America. They deserve it. They are incompetent as a bank, especially helping small business and people, who rely on their income to run said business affairs. I urge all people who bank with Bank of America to move to another institution that cares about people's livelihood, in a manner befitting a new economy, a new world, absent of corporate greed and insincerity. Absent of idiocy, ineffectual actions, and inconsistent policies, and disregard for people's well being. It's 2012, and the public should exercise their rights as citizens, to tell a business what they want and do not want, and the world does not need Robert ** branch managers, or banking institutions that employ them.

But I received the call today (02/20) from collection department about February payment. When I told them that they actually confirmed my February payment on 02/13, they replied they decided to apply February payment to January and still want me to pay late charges. Citibank and Bank of America do not want to talk to each other. But my money is gone and Bank of America ignored all my documentation from Citibank that January payment was made on time in full.

I made the payment on 17 Feb, and they again called me to harass me about the payment! Something needs to be done about this harassment of customers!

We didn't apply within the 180 days because we didn't know to ask for it. Several Bank of America employees did know about my husband's deployment. I had even talked to a loan officer about ways to lower our interest rates. SCRA benefits were never mentioned. Citibank and Nationstar have been amazing to work with. Bank of America has not. All of my business accounts are with Bank of America. I guess I'll be looking for a new bank.

In one program, you can't refinance if you are current, and in the next program you can't refinance if you've been late. You are basically misled into being stuck, then your credit score is affected and now you have to remain with BOA because no one else will refinance your loan. In the meantime, they are happy to drag things out at the higher interest rate. BOA doesn't care if they have to foreclose even if you have made 10 years of payments at $1,000 per month, you have already paid $120K. In my case, they could sell my house for $20K and come out ahead. I would like to make some extra payments against my principal but who knows how that would be applied. I refuse to pay more than I know I owe them because I don't know where the money is going. BOA needs to be charged with fraud and put out of business. The $1 billion lawsuit I think should be filed could be used to bail out other BOA customers.

We were contacted by Patricia ** telling us she was in change now and needed a few items to complete the loan. We faxed them approximately 10 minutes later and also sent them to Robert as well (Nov 2011). In December, we began to worry because we haven't heard from anyone. We sent several messages to Robert and Patricia but they never answered our email, fax, letter or phone calls. I was able to find out, after several phone calls who were Patricia's supervisor (Michelle), and I started calling her daily leaving messages. When I didn't hear back from her, I found her supervisor (Donna) and I started calling her. She did eventually call me and said we would be contacted very soon. We were contacted and told Patricia was transferred to another office and a new person named Michael will finish up our loan, that was over two weeks ago.

It's been close to 4 months and we feel we’re being scammed by Bank of America. We were promised 3.875%. We were told we will close before Christmas. They won't return our calls. What should be done to finish this now!

I made an offer on a home. Once the offer was accepted, I presented the checks to the bank to deposit and found out that they had made a mistake and put a stop of the checks. My aunt had called the bank and put a stop on the checks, thinking they were lost! The checks were never lost and she knew about the transactions prior to request for the cashier’s checks. My aunt had a head injury a few months prior and behaves in an unstable manner maybe due to genetic predisposition to Alzheimer's disease. The bank made a huge mistake and without checking all the facts , without checking to see a power of attorney on file, automatically put a stop of the cashier’s checks. My aunt denied she had anything to do with it when I spoke to her in person. I have doubts about the credibility of the story. I am sure she panicked and put a stop on the cashier’s checks and the bank just took her word. In either case it does not matter since the POA forms and dates were valid.

The 90-day grace period where one can cash a cashier’s check was disregarded and the bank did not do its due diligence in looking up the account to see the checks were made out to the valid/notarized power of attorney on file and instead ordered a stop on the cashier’s checks. Meanwhile the money has been floating for nearly two and a half months, causing all my bills to be late and a negative credit report in my case. Prior transaction history shows that I had obtained cashier’s checks in 2011 for the full amount of balance and since I was unsuccessful at finding a home I had returned the money to her account for future home buying.

At the time the cashier’s checks were made out, a valid power of attorney was on file with the bank; however, my aunt did not disclose the relevant information to the bank and bank did no research and automatically put a stop on the checks. I am ready to enter escrow and yet the bank will not acknowledge their mistake in putting a stop on the checks when the checks were issued at the time the power of attorney was valid on file. The rule of law I am told is that fraud or failure of consideration regarding the underlying transaction between a purchaser and a payee of a cashier’s check is not a valid basis for the purchaser to require the issuing bank to stop payment or dishonor the cashier’s check. Thank you for looking into this matter.

They tell him no. They robbed a deceased woman's bank account. Every single penny of that money had been left to my father as the POA. First, he's told that she has to pay back the pension money that she had received the month before she passed away (illegal), then he's told she's in the red because she ran out of money and was no longer able to pay the "maintenance fees" (robbed her account and they are now attacking my father for the money) and are claiming they never received her death certificate (we have letters verifying that they received, we even have a letter offering condolences!). Do not, and I repeat, do not open an account here!

Now, I am being charged for something I do not want? At the time 10 years ago, they told me they create a saving account with every checking account automatically. Bank of America was bailed out by me, a taxpayer, and now they are stealing my money. Everyone needs to drop this bank. I am contacting my congressman next. Why is our government helping this bank at the expense of other people's money? This bank is nothing but thieves and lairs.

For the next few months, we spoke to numerous B of A representatives, whether we were calling to correct the matter or they were calling us to harass us for payments we already made. Bank of America claimed that even though they cashed the checks, they could not find it in their system and that we still owe the amount of two quarter payments.

We were still trying to correct this previous error when we were told that, once again, our next property tax payment never made it to them. Once again, our bank provided us with a copy of the cashed check and evidence that Bank of America cashed it soon after receiving it. We have spoken to every representative and supervisor at Bank of America, we have gone to our local Bank of America branch several times, we have called 311 for help, and we have spoken to agents at the City of New York Department of Finance. All we get is the runaround and a mass of people saying they will help us resolve this matter, when it has gone nowhere for over a year. These 3 checks seem to have disappeared into thin air and yet the money is not in my bank account and we still owe B of A for 3 checks they have already cashed.

Bank of America is a ludicrous and corrupt organization. We have been receiving 10-15 calls a day from debt collectors about this matter. This is an abusive corporation that must be stopped.

The sad story for all of us who have been had by the banks and then by attorneys. No attorney cares and the government does not care. Attorneys all want money upfront knowing that they are just in it for themselves. Wachovia knows we have no money for attorneys, we would not ask for a modified loan if we weren't in financial trouble, so how can we hire an attorney? I feel raped, not once but many times.

I told her the checks cleared the next day, but she said there was too much risk for BOA to release the funds. Later that day, I received 2 letters in the mail from BOA, stating they placed an extended hold on my deposits, because information indicates item may be returned. I told the manager to call my current bank to confirm my balances, and that the checks already cleared 6 days ago, but she said that would do no good. Needless to say, I'm closing my BOA account this evening, and never to return. I opened up a Chase account today, and they will release my funds immediately with a local check.

Explain that, and that it had to be reopened in order to credit the money that I already paid yesterday. They could not do any of this today. It would have to wait until tomorrow! In the end, I was so angry. Basically, I am being told that I cannot close my account, and that it will open up at any time if anyone attempts to debit at any time. This means that years from now, someone could mysteriously open my account and I might not know. I was also told that if this happened, I will not be notified! Not only that, it was suggested that I check my account (my BOA account that I am desperately trying to close) on a weekly basis so that I can make sure no charges are being incurred or debited. I am planning on taking legal action!

So I went on the BofA site and chatted with Maureen. After 15 minutes of telling her I didn't deposit any checks, she said there was nothing she can do and if I didn't know how to use a bank account she could close it and send a cashier's check to whatever country I came from. I was insulted and asked to speak to her manager and she disconnected me and I called the BofA 1800 customer service number. Nobody had any idea who Maureen was or that I ever contacted them.

She then proceeded to ask if I had any other credit cards and did I do any other business with Bank of America. I informed her that Bank of America held my mortgage. I really could not understand what was going on when all I wanted was to put a stop on the card. She was rude and stated that she would transfer me to a manager. I held for another 10 minutes before she picked up and disconnected the call. I was then furious. I called back and the next representative was kind and transferred me in a timely fashion to his supervisor.

The supervisor claims that they received a report in the 90's that I was deceased. I didn't even know that there was a Bank of America in the 90's. I'm a first time home owner and purchase my home in 2011. If their records from the 90's indicated that I was dead then how did I obtain a mortgage and a credit card? The supervisor promised to contact me once she "straightens everything out". I'm still waiting for the call back.

This really stinks. How can they have received a report on me from 20 years ago when I was in college and did not own anything and never heard of them. This is insane and I just want to cancel my accounts with them completely. After all I'm deceased and should not owe anything!

The woman informed me that I was listed as a co-maker on the accounts, so I did indeed owe the money. When I explained the situation, she was at least kind enough to tell me I needed to talk with BofA to get this issue resolved. When I contacted various people at BofA, I was finally able to speak with a supervisor who informed me that I was incorrectly input into the system as an 'Administrator' and not as a POA. She said that the signature cards indicated POA, so she could see that a mistake had been made. She told me I needed to go to a banking center and again explain what is happening and to make sure that they talk directly to 'recovery services' to remedy the situation.

Why am I spending days on something that is BofA's screw-up? I have yet to see it on my credit report, but it just doesn't seem that they should be able to get away with this. Because of it I have multiple creditors calling me daily and they won't accept my story as a reason to stop calling. Do I have any recourse and is it just another case of 'too bad for the little guy'?

Her name is Andrea **. She was no help at all. She kept saying that those were the bank charges. After 5 days, that's all she keeps saying. I explained to her that I need help, that if she can give me a break and remove the $35 charge from my account. She kept saying "these are the bank charges!" I wish she could be in my shoes. I'm n disability, and that money could help me for my doctor co-pay but "No", no sympathy at all!

Yesterday, I received a notice from my bank that my account was in overdraft. Daughter has been out of this apartment for 9 months. This all around crazy man who knew I didn’t owe him anything found this old check when he went back to FL for the winter. He tried to deposit it into his bank and they told him the check was too old and it had expired. He then went to a Miami BOA branch (he's not a BOA customer, I am), presented this expired check 9 months later. I'd long since put this ugliness behind me and forgot about him. This expired $3,000 check with a 'stop payment' filed and issued was presented to a teller on my account, that when presented, only had $475 in it. The teller gave him cash for it on the spot, sending my account into over-draft. I received that notice on my iPhone. I called BOA immediately and was told they paid him the amount of the check. He walked away with $3000 in cash—not a BOA customer.

Three reasons the check was no good; the BOA teller looked at my account balance as they always do when a check is presented for cash, coupled with the expired age of it and showing the stop payment order, approved and paid for. When I called about my over-drafted account, I was told they gave him cash because my signature on the check matched what they have on file for me. So this heister essentially robbed BOA and got away with it, aided and abetted by a teller who neglected to follow procedure. They expect me to cover an invalid check knowing their own teller was not supposed to have done that. They should have told this scam artist the check was too old and had expired—it had a stop payment on it and/or there were no sufficient funds in the account to cover it. I called several other chain banks, laid out the scenario and they were all shocked. BOA expects me to pay for the gross negligence of their own teller or perhaps he/she was complicit. Either way, I'm out a lot of money because someone ignored three big red flags. Outrageous!

They will not reverse the $3 charge. More importantly, how many victims are there of BofA that also do not know about the miscellaneous charges that they are tacking on their statements without consent? This is worth looking into for the good of all Bank of America customers.

BofA then sent my account out to collections and deemed my loan delinquent, starting foreclosure proceedings. After weeks of failed and dissatisfied customer service calls, I went into a branch to pay the full balance of what was owed for the months where my partial payments were not accepted. (Again, I'm still waiting on any communication and refunded checks that were supposedly stopped and re-issued multiple times.) To this point, BofA had 3 thousand dollars of my money held hostage. From November 2011 until mid-January 2012, this problem was ongoing.

Not only am I extremely dissatisfied with BofA and their mortgage department, but if I were someone who was not financially stable, my house may be in foreclosure as I write this letter. At the peak of the holiday season, I was without a considerable amount of money. Not only did I lose out on potential interest from this money, but I also lost out on personal financial security.

I want to highlight the customer service center of BofA and how worthless it is. On numerous occasions, I was transferred to a manager, only to have said manager promise to call me back. (Not one person from the payment research center called me back in 3 months!) Not only was this a problem, but communication in general was terrible between transfers; and on multiple occasions, I was told different things. I have since been assigned a case manager for BofA to modify my loan. (I did not ask nor did I need this.) Communication is key in this business, and BofA has failed to communicate internally and most of all to the client.

Due to my situation, I will never bank with BofA by choice, and if I had the option to refinance with another bank, I would do it in an instance. BofA should be ashamed of their internal communication and customer service department.

We each got our own card and account. When the economy went bad the business went bad and the accounts were closed with existing balances to be paid. I've been paying my card off with a small payment each month. My former partner became delinquent and Bank of America debited my savings account with no warning and no chance to debate or negotiate. My rent money was gone and I'm left $100 and a bunch of I'm sorry from bank employees.

So now he's on the hook for this money. We went to at least three bank branches and was at the police station and BOA refused to talk with him being concerned they were on speakerphone. He was given the third degree and asked repeatedly to verify who he was, yet the crooks were still racking up his bill after it was promised to be closed that same day. File a complaint they said, but all the while they wouldn't give him the complete bank account number so that he could! Remember, the crooks had taken all that. He had to jump through all these crazy hoops, but the criminals didn't.

Claims department is unaccountable and even though they had two or three addresses, they kept saying they couldn't verify even when showing them a picture of his ID! I am so glad they are not my bank. Horrible customer service and no compassion. They first said to call back with police reports, then said you have to get a copy of it and fax it in. Next, he'll probably be told to get on a plane and bring it to New York City! Consequences has been two weeks of pure aggravation, driving him around all over town trying to clear his name and credit and he's still homeless with no job. Now, he doesn't know if his claim will be accepted or denied. Ridiculous and impractical policies.

I have filed numerous complaints over the last 6-7 months with the Mortgage CEO Office for Bank of America, CEO is Barbara Desoer. My original complaints were due to the fact that I was not getting Bank of America to assist me with a Modification. Then complaints continued with Bank of America saying they didn’t received or have information I had given them for modification consideration. Then I continued to complain because the continued to proceed with possible foreclosure without helping me stay in my home.

Finally I received a trial modification asking me to pay $2,430, which represents 51.53% of my total monthly gross income. That is not showing attempts to help me stay in my home. That is not setting me up for success. Please help me. I prefer email contact at ***.

I sent everything she asked for, but during the entire 2 months, she never once answered her phone, and I never once spoke to her, nor could I reach her. I complained, and she closed our case early, despite the fact that she sent a letter stating we had until Jan. 3, 2012. She closed it on Dec 29, because she said we never sent all our documents, and had documented that she had called us, and laughed when I said I'd complain. She refused to transfer me to a supervisor, and ironically answered my page, 'after' our mod was closed, but not prior. I'd had an argument with this girl prior to our loan mod application about a payment that cleared our bank, but Wachovia says it didn't. I sent in all the documentations, and they didn't even read it, and send a canned response. So we have a missing payment of over $5 in cyberspace somewhere, and they ruined our credit. The list of problems is too long to list.

We are stuck in a predatory loan. It seems they want us to foreclose, as we have major equity. They keep raising our payments, we pay, and our balance keeps growing, and have lost over $100,000 so far. We were lied to. They continue to refuse to modify, even though we fit the criteria, and there is a class action that was won against this loan.

We have been discriminated against because me, and this girl had an argument. The list of damages is too long to list, and caused my husband to have a stroke, etc. They just called a minute ago, and continue to harass us with calls constantly, but they put you on a machine and hang up. We've got over $5,000 of a missing payment, and they refuse to deal with it. I've sent in complaints and questions they don't respond to (respa violations?). I mail in payments but they 'lose' them and have ruined our credit based on this, and the missing payment in cyberspace, so we can't refinance.

I went into the bank to explain the error and request a reversal of the charge. I was told to "wait one day" as the charge was in process of posting. I was told as well that if there had not been an overdraft "for some time", it would likely be reversed. I went in the following day, saw the same person, was told that the bank's "decisioning tool" would not permit the reversal and was told that a reversal could be made only in cases of bank error. I had already admitted to having made the error, so I must infer that my being told to "wait one day" was said in hope of my not returning.

There was no need whatever to run me back the second day as Bank of America had no intention of helping me or anyone else ever. The "decisioning tool" is a joke. Bank of America tells its minions to hide behind when requests such as mine are put to them. I doubt the "decisioning tool" has even helped anyone save Bank of America itself. I'm certain that consumers already know all that they need to know about Bank of America and what kind of an institution it is.

I offer this story only to help those who might deal with Bank of America to plan their arguments to deal with the joke of the "decisioning tool". "Decisioning" is not a word. It's the kind of invented speech scoundrels use to avoid responsibility for their acts. Bank with a community bank of credit union. Bank of America's stock is in single digits and the bank itself is in considerable trouble. They've certainly worked hard to get there. Bank of America remains the despicable institution is has been since its creation.

"Please be advised the $758 credit from CT Child Support is an Automated Clearing House (ACH) transaction. After reviewing the ACH transaction details our records show that the credit was scheduled by the initiator to post on 1/10/2012."

Why would CT Support Enforcement make me wait till the 10th to receive money belonging to me? How convenient for BOA! According to CT Support Enforcement's automated service the money was deposited on 1/6. Now after paying bills I'm left with $40.00 in my account till next Friday, and I can't buy gas, groceries or anything else! The best part is that of the checks they "covered"--not one of them totaled $35.00. Bank of America's policies are the sad result of corporate greed!

I called to complain again and I was treated very rudely by a representative and her supervisor. I still paid just my mortgage amount and declared my dispute to another rep. Now I received a letter this month that if I do not pay that $600, it will be an accelerated foreclosure. I need help. I cannot pay $600 for someone else’s mistake. I have talked to 15 people and it is still not resolved. Please help.

How dare she? No one likes to have to continually go behind their bank provider and clean up the bank's mistakes. I am a business owner who does not have the time or the patience to deal with such disorganization. Why should I trust a bank that cares so little about me as a customer? Why should I continue to do business with a bank that treats me like a criminal?

On Dec. 30, I got a letter from them dated Dec. 29, for the application submitted on Sept. 15, for more information that has to be submitted by Sept 30! And what was one of the items they were looking for was a November bank statement.

I have submitted another application but now we are 5 months into this and can't hold on too much longer. I hate this company and the wild process. There is no common sense and I swear that they just want to wear you down so that you give up and walk away. I wish there was someone I could complain to.

Over the past three months, I have spent countless hours on the phone being transferred between Online Bill Pay, Mortgage and Personal Banking trying to figure out where the problem is and demanding the cancellation of late fees. They have wasted my time and have proven they don't care at all about their customer. I would move my mortgage somewhere else if it wasn't so expensive! Stay away from the BoA!

I generated some charges on that next business day, but when I checked my account, the deposit information had changed, and it was now not to clear for a whole week. This will mean checks will bounce, I will be charged fees, and if re-deposited, will generate additional fees, all at $35 a pop. This, to me, is outright extortion. I called and they would not change it back, even though I had a previous check clear just 2 weeks earlier with no problem. Not extortion, I consider this fraud.

What since ensued has been a hideous debacle. All calls to the 'home preservation specialist' were never returned. His manager admonished me for getting the docs in late although he did acknowledge I submitted them within the 30 days, all the while telling me he really did want to help. I told him he was not helping me, and that I no longer wanted to talk to him, but instead his manager. The only way, in my opinion, to get their attention and hold them accountable is to climb the chain of command or so I thought! I was connected to a woman who is a site manager. She put me in touch with someone who would 'help', as I was told I needed to reapply since I 'fell out of the system because it was beyond 30 days', even though it wasn't! "Turn in the documents." I already did turn in in a timely fashion?!

So I get yet another overworked 'specialist', who typically does not return my calls, only calling me once/week. He informed me on 1/5/12 that I would have to start a new application (RMA: Request for Mortgage Assistance). I have not yet received the application from him and it is 1/12/12! I asked him to send me, in writing, a list of what docs were still needed, and received a letter stating everything needed to be resubmitted! I have left two messages now stating I want to speak with her manager.

Wachovia plays nothing but a shell game with its customers who are already desperate given the challenges that drive them to seek assistance. I think it's time for a class-action lawsuit against the banks and the government for failing to uphold their duties when they demand it of customers. They take no responsibility whatsoever. At this point I have asked for a local specific point of contact to help me with this.

As a result, the bank took the money out of my account. Consequently, I lost $3,366.20. I called the bank and sent an email to customer service to complain about this issue. Every time, I called the bank, I was on hold and transferred several times. However, customer service representatives could not answer my question. The question was the representative told me on Tuesday, Dec 7th, 2011 that the check cleared, it was my money, and no one could take my money. Why did the bank take the money out of my account? Bank of America made me lose money, but the bank was not responsible for my loss of money. Bank of America is not honest.

This bank does nothing for the people that need modifications or help and all they care about is foreclosure. They should rename their bank, American Bank Of Foreclosures, bet that theirs is the highest. Oh and my son-in-law still has not found work. The family is trying to help, the BOA rep suggested that my son-in-law should rent.

It’s daily until you are caught up. I don't have time for all this and they should be happy that I am getting caught up. They will also send some Guido creep to take pictures and make a report. In the report is a question, "residence occupied?", to which in my records the answer is always "unable to make contact with occupant." No one has ever tried to make contact with me to see if anyone is even home. And the one time I saw someone taking pictures, I had to initiate contact.

Even after speaking with that person he still did not check off on "residence occupied". To top it off, the place looks obviously occupied. Next, on my "past due" there is an extra $1,000.00 showing that no one can explain for which I must call "payment research" for an answer. Next, on the $15 pay by phone charge. Since I have a BOA checking account, they will waive the fee but I always have to remind them that since the payment is coming out of my BOA checking account, there is no charge. Next, after my divorce the loan was supposed to be changed into my name alone which never happened. Now they say I need to refinance or get a court order.

We were beyond shock to find out that when they did, they left a small amount in the account and began charging a $20.00 monthly (debited) fee, because the amount was now below the "minimum" required for Advantage Checking. What?! They knew what kind of account this was in the first place. How about putting a hold on fees for a deceased account holder? How about changing the type of account to a regular checking, once they transferred the majority of funds out it to another account?

When I finally realized why this limited amount left in this account continued to shrink, I foolishly thought it would be a simple thing to rectify, once they realized their mistake. They had the audacity to say that I should have paid attention and closed the account on my own. What? This account was never in my name, and even as executor of my father's estate, they had told me I did not have access to it. They also told me, at the Atlanta Emory Village Branch, that I should take this up with the branch personnel in Savannah where the transfer was made.

So I closed the account then and there to stop the fees and finally made it back to Savannah to a branch that was not the exact branch I first started down the road to banking **. But I thought because it was my dad's personal branch, this could be worked out. The woman looked at me incredulously that we would even think that they should care my father banked with C&S then (whatever else it was called before BoA for 35 years) and said that I should have taken care of this before I closed his account. What?!

They actually pilfered the remainder of his Advantage Checking account! They stole it from a deceased person, by God. Absolutely beyond the pale. My sister was so outraged, as was I. We thought we were going to be escorted out by the security guard at the Savannah Mall branch in Chatham County. She flipped out her Premier BoA account checkbook and threatened that if they don't stop with the nickel and diming of their victims (aka "customers"), she was pulling out there and then.

We finally got the dense bank manager's attention who point-blank told us not to treat her like "our hired help" and also told us we would have to submit a request to look at any records over a year old. So by God, we made her do it. We submitted a request, and she saw the fees and said they made a mistake and she eked out a barely audible apology.

Now, reimbursing us will be another story. BOF finds things like this to be very complicated indeed. This may take another year to accomplish, because I know they are hoping we will go away and not bother them.

All they will tell you is to default on your note and come back in the month you did not make your mortgage and they will try to hook you up on the "Obama Save My Home Loan". Of course, if all you needed was a thirty-day extension like you can get on your car, not here. They'd rather see you lose your home than help. And again, thank you, Capital Hill for saving a group of idiots who only care about themselves and not the consumer. Hey, didn't we, the taxpayers, bail their ** out? Why does the government let them treat us that way? Wasn't it our hard earned money they begged the government for? That's gratitude for you. Say no to Bank of America and help us, the taxpayers/consumers, make them go under.

Every time I go to make a deposit in the bank I am never unprepared. He didn't listen to what I had to say. So later, I went to the bank with my brother. The manager started showing me that the teller was short and the manager accused me. He said the teller told her that I bullied her into depositing more money than there actually was. I asked the manager to count the money again and they found that she is over 1k. She did make a mistake. It's not the money that bothers me, but how the manager behaved with me. At the end he said he was sorry and we all make mistakes.

I know it's an error. I closed my original bank account with Umpqua Bank, after almost 6 years with them, because I am moving to a state where they do not have a branch. My account was closed in good standing. Where is it legal to simply treat anyone like they have no rights, especially where their money and well-being are concerned, and simply do away with them in such a way? They are actually causing me harm, since now, I have no way to pay my bills and will incur more fees for being late when I finally get my cashier's check and the outstanding paycheck that will have to be returned, and resubmitted to me in the form of a check, which could take up to 2 weeks. Thanks BoA, I wonder if you wouldn't mind paying my bills for the month and maybe keeping me from getting all those late fees? I really think they should be prosecuted. If I did the harm they do, I would be in jail. So why aren't they?

Already, on January 2nd, 2012, I have received a call from Bank of America. This happens repeatedly each month the mortgage is late. I have until the 16th of the month before I am considered late. I not only get one call a month but at least three. I lost a son and had to travel to Texas for his funeral in October of 2010. This had a serious impact on my finances.

I always tell BOA when they will received their payment. It doesn't matter. I consider this a form of harassment. I am 73 years old. I don't expect any special consideration. I want the harassment to stop.

There was money in the acct, and the rep transferred the money and closed the account. How can this happen? Now I see a -84.95 balance. I have online banking and for over 55 days there was no evidence that this charge existed in the account summary tab. I was laid off and that is a lot of money. Customer service rep. Abel told me that BOA can't tell me what time the charge went through to help me determine if the rep at the bank on the day of closing saw the allegedly pending charge. The supervisor, Ms. Ortiz, told me there was nothing she could do.

Their response to customers is, "well, you should not spend the money right away. It is not our problem that you do not have the money to return". How can you give someone cash, and then 5-7 days later, call them and ask them to return it? I believe this is wrong! Maybe you should change the way you do business, and inform your customers on how procedures work. It might be a good idea to hold the money in an account for 7-10 business days, and get approval first from the currency department, before giving your customer cash? Once you get approval, then release those funds? If you don't work in or for a bank, how are you supposed to know? No one else should have to go through this!

As of today, we've been told that they shouldn't have given us cash, but credited our account first. In the "Deposit Agreement & Disclosures" form it states that you will receive a "credit" to your account. We were never given a credit, just cash. They told us it was our responsibility to hold onto the cash, and not spend it. I'm sorry, but who gets cash, and doesn't spend it? Especially when your told everything is "good to go" They've taken the money from my mother, and grandmother's bank accounts, to cover the funds. I am not on my grandmother's account, and yet they still took money from her.

On Friday of last week, I received my refund of my overpayment of my escrow account. I purchased this home in June of 2011 and told BoA that my taxes would be less than $100 as I am a disabled and they provide a large discount for property taxes. BoA stated that they wouldn't be able to do anything about it until my tax bill came due, and they had proof of it. No problem. I'm used to corporations feeling that they are superior to everyone, and that no one they deal with has a shred of decency or honesty, particularly bankers as they tend to spend time around other bankers and see such traits. BoA further stated that they wouldn't send my tax payment to the county until they received the bill.

In October, I received my tax statement (showing I owed $61.00 in taxes) and dutifully sent it to BoA (expecting them to receive it three days after I sent it, after all BoA states the same thing about anything they send). Apparently, in my ignorance, I didn't send it certified mail. In December, my wife sent an email asking if BoA had received the tax statement and paid the taxes. BoA claimed they did not receive the statements, but without any documentation of any kind, decided to send the full amount in my escrow ($3800-plus) to the county. They further stated that if I wanted the overage to be returned, I would have to deal with the county.

So I called the county. They stated that if they received an overage, they would cash the check, apply whatever is required to my tax bill, and then send a letter to BoA asking them what to do with the overage. BoA would then fill out a form, send it back to the County, and request the overage be sent to them. The County would then send the money back to BoA (presumably, BoA would not receive it, but just in case they did), BoA would then eventually issue me a check.

That scenario was entirely unacceptable, so I called BoA and spoke to a gentleman who took ownership of the problem. He corrected my tax bill. He corrected my escrow to reflect the correct amount of my taxes, and managed to get the refund check to me on Friday, December 23.

So now I took the check to the local BoA branch. After having to prove my identify through four pieces of ID, my wife and I got the check cashed only to be told that because we don't have a checking account with BoA, we would be charged six dollars. Now six dollars isn't going to break me, but let me point something out to you. BoA has my mortgage of $195,000 (not by my choice, but BoA bought it from someone else and presumably felt they could make a profit off of it). The interest rate on the mortgage is five percent. Over the life of the mortgage, BoA will profit nearly $100,000. Further, we have a credit card with BoA. Its interest rate about 9%. We use that regularly and rarely pay off the monthly balance. On top of all that, you kept my additional tax payment (of $3800) in escrow for six months, not paying interest to me on it. So here's what's bugging me. You can take the six dollar service fee, and stuff it so far up your **. You can further be assured, in the interest of full disclosure, I will contact every person I know, pass by, or can contact through email, telephone, telegraph, carrier pigeon, smoke signal, or hieroglyphics, and let them know my opinion of Bank of America.

Also, I'm concerned that this is happening as a regular banking practice (whether intentional or not, I do not know) and I think that if this has happened to me then it's probably happening to others. The question is, how many others realize that they are being wrongfully charged? I bring this to your attention so that you can continue to keep a close watch on Bank of America to make sure they fix this error if it's systematic and to hopefully avoid me from having to switch banks in the future because of this. They need to be held accountable. I told them that I would contact you this time and that I would close my accounts if this should happen again in the future. I am contacting you in order to follow through on my word. Also, they pretty much said that this wouldn't happen again. I'm certainly watching out for it.

I then made another international call and spoke with 3 different persons when I was finally told the charge was for a check written for cash (in the bank) over 2 weeks ago. No one could explain why the amount was not taken from my account for 2 weeks. I'm done. The only thing I'm grateful for is that I transferred my major banking to another bank when BOA threatened additional debit charges. I'm just sorry I didn't transfer all of my banking at that time. So long BOA!

They are nothing but a joke. I almost feel sorry for the fools answering the telephone because they don't have a clue what they are getting in to because they are not given the correct/valid information to use to answer questions intelligently. Total joke of a company.

I received a letter stating my current payment is $217.15 more than correct. I called and no one can explain it nor the mess on the account. They can just give you another number to call which will then go through because they won't know the answer either. The supervisor couldn't explain the letter or the fees either and said I was correct, but, I need to call another number. He had me fax in the letter because the correspondence was not in my file on their system.

I spoke to another supervisor to issue and "expedite" the stop payment. I asked the money be wired. Again, they refused. I was told the process would again take 3-5 business days and that it would be FedExed. As I've been out of town, I was unable to call back but the agent told me it was just "issued" miraculously that day and not even sent out. I spoke to another supervisor who said she would send it out via FedEx and send me the tracking number. I informed her several times that it needed to arrive by Thursday and if not, I was going to be out of town until the end of the year. When I did not receive the tracking number I called back again. First time, after 30 minutes, I was told that the supervisor would "call me back" and I got cut off.

I never spoke to a supervisor and called back a second time. I waited another 30 minutes to speak with a supervisor only to be told they had no tracking number for something that was supposedly going out the next day. To add insult to injury, on Monday, December 12th, we received a letter stating our escrow balance was zero (before, supposedly the check was issued on the 13th). As of 6:33 pm EST on Dec. 14th, there is still no record of this check and I have spent numerous hours trying to track this down without any avail. Although I told everyone I will not receive it for two more weeks and risk a FedEx being stolen if we do not receive this by the 14th, there seems to be little ability to make anything happen. I have no check for $917 during a season where money is very tight. I have had to take valuable time off of work to resolve this issue (still not resolved). And I am on the verge of a total melt down, if it has not happened already due to my unending frustration.

Molly ** started a petition on ** and was hugely influential in getting the bank to reverse its doomed and greedy $5 debit card fee. I have asked BOA to reverse a clerical error that should be simple to do. This has been going on since September and the bank is unwilling/unable to do so. If they can't correct a clerical issue, how are they supposed to manage our money and mortgages? I've taken Molly's lead and started my own petition on **.

I called BOA every monday for four weeks about the balance of the insurance check so I could be reimbursed. I fill out papers; fax them over. I called again and had to wait for.more paper to fill out in the mail. Two weeks past and still no mail from BOA.

I want my money back. This is still BOA house until my mortgage is paid in full. So, I want the money I paid to fixed this house and that the insurance company paid for. Can I send Bank of America a 1099 for the balance they owe me since they have the money from the insurance company?

They say (BOA) the banking system puts it in order of dollars, not by days. So, the payments you made a week earlier will automatically get charged overdraft fees. It’s misleading and not fair to anyone. The lady told me you shouldn’t use it; it’s only a tool. I was like “It’s lying to the customer when it says what’s available.” She told me to download the app and I was like “Are you kidding? Your institution just charged me a couple hundred in fees for bills that your online banking said the money was there.” She’s like “Ma’am, settle down. It’s only a tool.” I said I was contacting a lawyer and ended the call!

I have faxed, notarized and had contractors fill out papers. I need someone to help me to let the public know what BOA is doing. They are collecting interest on my money and not paying the bills. The insurance company issued this check for my repairs. I, as the home owner, made every repair that was to be made. How do I get BOA to release my funds to pay the contractors? Contractors finished all work. They want their money for the jobs they were hired to do.

I called back on 11/17/11, resubmitted all of the information that had been given back in September, and again asked the rep, "Why, if we already filed the paperwork, did we have to do this again? What happened to our paperwork?" He did some searching and found that BOA had indeed received our paperwork on 9/9/11 and that BOA dropped the ball in assigning us a case worker. He then assured me that he was forwarding our information on to a caseworker and that I should hear from someone within 72 hours or by 11/22. 11/22 came and the only phone call I received was from BOA "attempting to collect a debt". Funny. In fact, I received 5 of those phone calls that day, but not one from a case worker. So, I called them and again inquired about the status of our case. I was informed that I hadn't been assigned yet as the paperwork had only just been received via fax (huge lie! ).

So, while reviewing my information again, the rep was going to try to connect me to a caseworker, however he disconnected the call and didn't bother to call me back. On 11/26, we received another notification from BOA stating that they would proceed with the acceleration date if the past due amount was not received in full. On 11/28, I called BOA and demanded to speak with a supervisor. Supervisor Patrick did not offer up a single apology for all the deception and inconvenience, but instead, yet again, reviewed the information and told me that a caseworker would contact me within 72 hours, but that if by Thursday, I haven't heard from anyone, then I should call them. I also inquired as to why a year ago BOA told me it was acceptable to send a partial payment, but now they won't accept anything that isn't a full payment.

Patrick told me that the FHA won't allow the banks to accept partial payments. So I called the FHA last night to verify that statement. They told me that the banks have the right to refuse payments, but that in no way did the FHA mandate that. Bank of America has no concept of customer service. Instead they are staffed based on lies, deception, and are completely criminal in how they run a business. Action needs to be brought against Bank of America now to stop the injustices they are unleashing on all of us struggling, hard working Americans!

In the meantime on April 26, 2010, my wife and I received a letter of suit from Toae A. *** of the Feiwell & Hannoy, P.C. Attorneys at Law group, dated April 22, 2010. I immediately called the phone number attached to the letters. I was greeted by an automated recording requesting personal information such as social security numbers and so on. I left a detailed message including the loan # and file # stating we had closed this loan on January 6, 2010. I also requested someone from their office contact me by telephone within the next 24 hours. Within minutes of leaving the message, I began researching the internet for other means to contact Feiwell & Hannoy P.C. Attorneys at Law. Feiwell and Hannoy P.C made it very difficult to make contact with them. The only contact portal I could find to Feiwell & Hannoy P.C. was through a website called Lawyers.com. I emailed a letter with my contact information demanding someone from Feiwell & Hannoys office give me a courtesy call within 24 hours. Feiwell and Hannoy P.C. have never responded to our requests.

On April 27, 2010, I contacted Lynn ***, our realtor from REMAX who represented us through the short sale of our home. I explained our problem and in turn questioned her on whether or not she knew if the closing on 1-6-2010 had been funded. Lynn said she would get with Holly *** from the closing company (Chicago Title) to verify whether or not the funds were wire transferred and received. In the meantime, she suggested I speak to an attorney and referred me to her personal attorney, ***. After a brief conversation with Chris *** on 4-27-2010, she advised me to try and contact the short sale closing department of Bank of America.

On 4-27-2010, I sent an email to Stephanie *** and Andrea *** within the short sale closing department of Bank of America. I attached documents supporting the fact the loan was closed several months prior. I also gave each of them my contact information and a deadline to respond. I have never heard from anyone within Bank of Americas short sale closing department. To our disbelief, a few days later my wife and I received a summons of foreclosure lawsuit (49D14 10 04 MF 018380 Filed on 4-22-2010). We were appalled and shocked by the method of injustice that was taking place. We could not get anyone to listen to us or help us.

I spent several days trying to find an ear willing to listen and stop this wrongful suit. It was as if we were invisible to Bank of America, their counter parts, and associates. In the first week of May 2010, we received a response from Experian regarding the initial dispute letter I sent April 19, 2010. The response letter was dated April 30, 2010. We were shocked to read the credit reporting agency (Experian) said they had investigated our dispute and found the credit grantor verified the information and they (Experian) will not investigate our dispute again. Keep in mind, Experian spent but only a few days investigating this dispute and deemed it investigated thoroughly. Days had slipped by with no contact from anyone related to the wrongful foreclosure suit filed by Feiwell and Hannoy P.C. I discussed our dilemma with our realtor and our realtors attorney on numerous occasions searching for answers. They felt we should be able to resolve and correct this wrongful lawsuit ourselves. We finally realized we needed to try a different approach in order to get someone's attention just to listen to us and help stop the wrongful lawsuit that was filed against us.

During the month of May 2010, I sent complaint letters to as many public servants as possible including Florida's Governor, State Representatives, Indiana Governor, Indiana Attorney General, Federal Trade Commission, The OCC, the Attorney Generals office and others. We were unsure where we needed to go for support or help in this matter. I started placing calls to the corporate offices of Bank of America in Charlotte, North Carolina. Finally on 5/10/2010, after making several calls, I was able to speak with a David *** in the Executive Customer Relations department. He was courteous and attentive while assuring me he would dig into it right away. I explained to Mr. ***, how we are on the brink of financial ruins because of this mistake, not including our mental stress, fatigue, embarrassment, and the continuing loss of financial stability.

Within the same day, David *** called me back and said I was 100% correct and there shouldn't have been a foreclosure suit filed and the mortgage had been satisfied months ago. He said they would immediately remove it from our credit report and stop the law suit. Mr. *** advised us to get legal counsel but in the meantime he would ensure the mistake would be corrected. The mistake remained unresolved and the credit reporting agencies continued reporting it as a mortgage debt seriously late and in foreclosure.

On 5-19-2010, I located a fax number for the Feiwell and Hannoy attorney group and sent them a request for validation. I also composed and sent a certified letter to Brian T. ***, CEO of Bank of America, on May 19, 2010, explaining in detail our dilemma. Our letter was accepted by Bank of America on 5-21-2010. On 5-24-2010, we received and signed for a certified package from Marion County Clerk W-122 City County Building 200 E. Washington St. Indianapolis, Indiana. Enclosed in the package was an Alias Summons, filed on 5-19-2010, from the same collection attorneys, Feiwell and Hannoy P.C. Attorney at Law, continuing on their path of a law Suit.

Upon receiving the Alias Summons, I put a call into Mr. *** from Bank of America. After explaining the package we received, he responded by saying, "This should have been cleared up and he would check into it." I told him I expected and needed him to send documentation declaring this issue resolved. Mr. *** said he would send us what we needed in order to get this mistake resolved. Mr. *** did not send us documentation as requested instead the lawsuit remained intact and the credit reporting agencies still reporting false information.

In the meantime, we received responses back from several of the public servants we sent letters to during May 2010. All of the responses suggested we seek legal counsel but in the interim they would investigate our complaint further. In the first week of June 2010, we were referred and guided to Indiana Consumer Law Group/The Law Offices of Robert E. ***. On June-9-2010, we retained Robert *** to represent us in our pursuit to stop the wrongful foreclosure law suit against us. Mr. *** determined we had legitimate complaints against several parties and had us sign three separate Attorney representation and contingency fee agreements, spelling out the legal services he would provide for us. 1. Representation for violations of the FCRA by Equifax, Trans Union and Experian Credit reporting agencies. 2. Representation for violations of the FDCP by Feiwell and Hannoy P.C. Collection Agency. 3. Representation for violations of the FDCP, FCRA, by Bank of America (BAC).

We bundled all of the information and documents related to the cases and sent them to Mr. ***. As time progressed into late June 2010, we were informed through other sources than Mr. Duff that Bank of America had back dated and revised my wife's credit report to reflect the BAC account paid but still seriously late on payments for several months. I continued to keep Mr. *** updated by faxing him information such as updated credit reports, responses from letters I previously sent, and so on.

After several weeks of not hearing from Mr. *** or seeing anything being done on our case, we became quite concerned. We realized Mr. *** was not performing as we perceived. I asked Mr. *** to respond to phone calls I was receiving from David ***, a Customer Advocate in the Office of the CEO and President of Bank of America. These requests went on for days and days. After finally reaching Mr. ***, he explained he had medical issues and was unable to perform as we needed. Mr. *** did not fulfill his duties as laid out in the Attorney representation and contingency fee agreements we signed. We felt we had no other choice but seek new legal representation.

In early August 2010, we began searching the internet and yellow pages for a Law Firm capable of meeting our legal needs. Our goal was to find a law firm willing to represent us in all of our legal matters associated with the wrongful foreclosure case. We interviewed several law firms before I interviewed the Phillips and Garcia law firm. On or about August 10, 2010, I interviewed Carlin *** of the Phillips and Garcia Law Firm. I explained our needs for a Law firm and informed Mr. *** I was interviewing other Law Firms as well. Mr. *** explained in detail what he could and would do for us if we decided to hire the Phillips and Garcia Law Firm. Mr. *** explained his firms fee structure, while leading us to believe his firm was more than capable of handling all of our legal needs. We based our decision to hire Phillips and Garcia Law Firm on several key factors. Below you will find several key factors associated with documents to substantiate what Phillips and Garcia Law Firm led us to believe.

We were led to believe via their web site, they were a large specialty Law Firm specializing in wrongful foreclosure law and consumer law. Mr. *** suggested we visit their associated website (http://www.***.com/) in order to get a better understanding of Phillips and Garcia Law Firm capabilities and functions. After inspecting their web site we were impressed, and at the time felt their Law Firm was indeed a good match for our legal needs.

My wife and I assumed we found a Law Firm large and specialized enough to go up against one of the largest banks in the world, Credit Bureaus, and The Feiwell and Hannoy Law Firm. We were led to believe Phillips and Garcia Law Firm had expert staff members eager to seek justice for us. Several weeks after hiring Phillips and Garcia Law Firm, we were told we would have to hire our prior attorney in Indiana, in order to have sponsorship in Indiana Federal Court. We questioned the ethics in such a move and were told he was the best candidate because of his firsthand knowledge of the case. Mr. *** told us he had a co-counsel with staff members as well. His name was Joseph ***.

We were led to believe Phillips and Garcia law firm was financially secure enough to handle our affairs.

During the interviewing process I asked Mr. Phillips about their financial stability and Mr. Phillips said they were financially sound. He said they would handle all expenses needed to bring the cases in, and we did not have to worry about upfront cost as we did with our prior attorney. As time passed, we began noticing suits were not being filed in a timely fashion and the cases were not being given the attention they truly deserved. We asked Mr. *** and Mr. *** about our cases on several different occasions. We were brushed off and given incorrect information each time. We became highly suspicious after being harassed, bullied and threatened, stating we would have to pay for costs associated to the case if we did not adhere to what the defense counsel demanded. We then discovered that Phillips and Garcia Law firm was not as financially secure as Mr. Phillips led us to believe. Had we not been deceived from the onset of our attorney client relationship, our cases would hold more merit and value.

We were told we would have media coverage regarding our cases. During our initial interview, Mr. *** specifically talked about extensive media coverage he would afford us if we chose Phillips and Garcia Law Firm to represent us. He said he had media contacts in Florida who would love to air our story. He explained how our story would constitute leverage in our case as did other wrongful foreclosure cases he represented. Mr. Phillips told us he wanted to control the media coverage and make sure we were not misrepresented or misquoted. His website even promotes press and media coverage. We spent months upon months asking and pleading with Phillips and Garcia Law Firm to have our story heard by the media as promised. We were ultimately told that media coverage was not the issue in the litigation and we were not going to receive media coverage.

We were told our case was not media worthy and the Defense counsel was not concerned about the media, although every indication from the defense counsel suggested otherwise. We were again duped into thinking we would receive something viable to our cases; instead we were out and out lied to. One of our greatest deciding factors was due to the assurance Mr. *** gave us regarding media coverage. He said over and over how the media would add leverage and how invaluable it would be. He also said media coverage would go a long way in settling our case quicker. If we had known Phillips and Garcia Law Firm had no intentions of providing us media coverage as he promised, we would have decided on a different Law Firm all together.

We were lured into Phillips and Garcia Law Firm based on lies. We were led to believe Phillips and Garcia Law Firm would file suits on all aspects of our cases, specifically all three Credit Bureaus (credit reporting agencies), Feiwell & Hannoy P.C., and BofA. During our initial interviewing process Mr. *** told us, Phillips and Garcia Law Firm would file suit on and litigate all three credit reporting agencies (Trans Union, Experian, and Equifax) for reporting false information. He further explained how Phillips and Garcia Law Firm were equipped to handle all of our cases under one roof and how convenient it would be for us. Mr. *** explained how all of the cases tied into the initial wrongful foreclosure and the cases should be litigated separately/ together anyway.

Upon Phillips and Garcia Law Firm hiring our prior attorney Robert ***, Mr. *** stated how Mr. ***'s skill set would be better qualified to handle the credits reporting agency complaints we had. After months of continuously asking Phillips and Garcia about the litigation process of the credit reporting agencies, we were told Phillips and Garcia Law Firm did not intend on filing suit on the three credit reporting agencies and it was beyond what they were hired to do. We based our decision to allow Phillips and Garcia Law Firm to represent us because Mr. *** said they could and would handle all of our cases under one roof. We were very adamant about having one Law Firm represent all of our legal affairs. Had we known Phillips and Garcia Law Firm had no intentions of following through with what Mr. Phillips agreed to in our initial interview; we would have elected to not have Phillips and Garcia Law Firm represent us.

We were led to believe Phillips and Garcia would front all expenses and time associated to all of our cases. We anticipated and were prepared to pay attorney fees associated to our cases, but Mr. *** explained how the Phillip and Garcia's contingency fee structure worked. He convinced us we would be better off by working from a contingency fee structure in the long run. He pointed out that Phillips and Garcia would be able to (defer) front all associated costs and we would not have any out of pocket expenses to endure, until the cases were either settled or a judgment made, further stating, if we don't get you anything, we eat the expenses and the time put in.

We ultimately made our decision based on Mr. *** guided mindset of not having to be financially burdened by up front attorney fees and costs, thus giving us added comfort in our legal journey ahead. As time progressed in our client-attorney relationship, we were told we would have to pay costs associated to the Bank of America cases. We were bullied, and threatened regarding the notion that if we did not cooperate we would be out of pocket for expenses while causing us severe financial harm.

We were led to believe we would have the right to accept or reject a settlement depending on a disbursement sheet. Upon our initial interview with Mr. *** we questioned our rights to accept or reject a settlement offer. Mr. *** answered our concerns by stating how Phillips and Garcia Law Firm would provide an itemized breakdown (disbursement sheet), stating how this will allow us to make an educated decision on a settlement offer and we would have the final say whether we accept or reject an offer based on the disbursement sheet. Mr. *** made us feel comfortable in knowing we had the right of refusal or acceptance and we virtually had the last say. We were not afforded the right to review a full disbursement sheet even after we requested it on several occasions. The itemized breakdown (disbursement sheet) Mr. *** said we would receive has not been sent to us as promised. The issue keeps getting avoided even after a settlement offer was discussed.

A settlement offer was placed on the table for negotiation. Part of our demands stated all Attorney Fees were to be paid by Bank of America. Mr. ***s relayed our terms incorrectly by telling the defense counsel we agreed to settle for $2500 more than we originally negotiated, while omitting our demands to have Bank of America pay all attorney fees. The Defense counsel assumed all attorney fees were to be paid by their own perspective parties and wrote the settlement agreement accordingly. We assumed attorney fees were to be paid by Bank of America. Phillips and Garcia Law Firm did not present us with an itemized breakdown (disbursement sheet). Mr. ***s told the unsuspecting courts the case was settled. We were told we had to sign the false settlement agreement or be sued.

We were led to believe we would be provided with all associated documents per each case on a timely basis. Within our initial interview with Mr. ***s I shared with him one of our pet peeves with our prior attorney Mr. ***. I explained how my wife and I were detail oriented record keepers and we expected to receive documentation within a timely manner. Mr. *** assured me how his code of professionalism required him to get documents to us within a timely fashion. Documents of dire importance were withheld from us on numerous occasions and for several months. After asking several times for copies of our files, we felt it necessary to demand our case related documents.

When we explained to Mr. *** our intentions and needs for our case related files Mr. *** commented on how he never had a client so detail oriented and willing to investigate their own case files before. Phillips and Garcia Law Firm held files and documents for months without sharing or looking at them. We even had to ask Mr. Joseph *** if he was familiar with our cases on numerous occasions. Mr. *** used threats and bully tactics, while not having sufficient knowledge of what he was talking about. Mr. *** stated several times that he did not have the time to investigate the files (discovery files) related to our case, further commenting how he had tons of caseloads surrounding his couch at home. Mr. *** sounded genuinely surprised when we told him the defense files (discovery files) were mostly duplicated documents, while a small percentage of the documents in the files held significant keys to our case. We explained how we sorted through all of the unorganized documents and were able to find inconsistencies, only to be disbelieved.

In all essence, we assumed he only guessed what were in those files. We know beyond a shadow of doubt, if the files and documents had been opened and thoroughly investigated our case would have been settled long ago. We were led to believe we would be kept up to date on all facets of our cases in a timely manner. Upon our initial interview with Mr. ***, I discussed with him another pet peeve with our prior attorney Mr. ***. I made it very clear we wanted to be updated and kept in the loop at least once a week, whether or not there was anything new to report or not. Mr. *** assured me he would keep a constant line of communication open with us. We constantly had to ask for updates, sometimes going for weeks at a time before we would get a response.

On several occasions, we were scheduled to have phone conferences and to our dismay we were stood up. We would wait for days without contact from Phillips and Garcia Law Firm. We were kept in the dark regarding our cases for weeks and more at a time. When we questioned their tardiness, we were made to feel as though we were not entitled to regular feedback and even humiliated into apologizing for asking for updates. We asked Phillips and Garcia Law Firm to adhere to and respond to reasonable time constraints we placed on the defense counsel. We were told the time constraints were being honored all the way to the very end, only to find they were not. Had we known Phillips and Garcia Law Firm was not punctual in the line of communications we would have not hired them.

We were led to believe Phillips and Garcia would thoroughly investigate every aspect of our cases. One of the aspects Mr. *** offered was the ability to investigate the case load with the utmost knowledge. Mr. *** explained how his law firm specialized in wrongful foreclosure cases, consumer protection law, and several others. Mr. ***s explained how they would thoroughly investigate all avenues of our cases in order to add more merit to our cases. Phillips and Garcia Law Firm did not investigate our files. Most of the time we had to refresh them on what our cases was about. Mr. *** made comments on how he had never seen any past client investigate their own files as we did. Co-Counsel Joseph *** jumped into our caseload without having any in-depth knowledge of our case what so ever.

On several occasions, we had to ask if he even knew anything about our case. As time passed, we realized Phillips and Garcia Law Firm were not staffed with paralegals or legal investigators whatsoever. As far as we can tell, Phillips and Garcia Law Firm have no staff members at all, we have never had contact with anyone other than Carlin ***, Joseph ***, Robert ***. Had we not been deceived into thinking Phillips and Garcia Law Firm were staffed with legal experts, we would have not chosen Phillips and Garcia Law Firm to represent us. We were led to believe Phillips and Garcia would be in our corner and represent us accordingly. Mr. *** commented and explained how aggressive Phillips and Garcia Law Firm would be once they received the files from our prior attorney Mr. ***.

As time progressed during our relationship with Phillips and Garcia Law Firm, we noticed inconsistencies formulating within our cases. We asked several questions from time to time only to receive inadequate or no answers at all. We never saw any indication of offensive aggression from Phillips and Garcia Law Firm. We were always forced to adhere to what the defense counsel demanded. We questioned the roll of our attorney on numerous occasions. The roll of the aggressor never was never present from Phillips and Garcia Law Firm. We were continuously bullied by Phillips and Garcia Law Firm, especially Joseph ***. The same attorneys we hired to protect and respect us. We've been treated as though we were guilty of a crime and had no rights at all, when in fact we were always the innocent party. We asked to have our questions answered, (legal or otherwise) on numerous occasions, only to receive no answer, or at best incomplete arrogant answers. We still have unanswered legal questions, and we suspect we will never have them answered by Phillips and Garcia Law Firm.

At this point, we feel we would have been better off by not having an attorney. We were led to believe we would be given expert legal advice in order to protect us as clients. We asked for true legal advice on numerous occasions. We now understand some of the advice we were given was incomplete and not altogether true. We were duped into thinking Phillips & Garcia Law Firm would give us true legal advice throughout the course of our Client Attorney relationship.

While in the middle of a settlement negotiation Phillips & Garcia Law Firm told us, and the defense counsel that Phillips & Garcia Law Firm and Robert *** was withdrawing. On August 12, 2011, Carlin *** told the Magistrate assigned to our case that he would not represent us and from that point forward he would only act as a conduit for information purposes. The Magistrate agreed with him and mandated Our Attorney of Record would only act as a conduit. From that point forward, we had no legal counsel as mandated by the Magistrate. We were not given adequate or proper notice of withdraw. We were left unprotected and totally in the dark as to what we were to do next. Mr. *** went as far as to say he would testify against us if we did not sign a false settlement contract the defense counsel had generated.

For weeks Phillips & Garcia Law Firm and Robert *** had refused to give us legal advice. We recently asked Phillips & Garcia Law Firm and Robert ***, "Who is the Attorney of record?" We have no legal notice of withdraw from Phillips & Garcia Law Firm, or Robert ***. Had we known the deceitfulness of Phillips & Garcia Law Firm and Robert *** we would have steered completely clear from them. We never asked to be treated in this manner. We only asked to be protected by wards of the justice system.

We were led to believe Phillips & Garcia Law Firm would be our primary Attorney of record. From the onset of the relationship between Phillips & Garcia Law Firm and us we assumed they were our primary attorney of record. We now find we had been deceived into thinking Phillips & Garcia Law Firm was handling all of our affairs. We now realize Phillips & Garcia Law Firm is not licensed in the state of Indiana. We were told Mr. *** was brought in as sponsorship into the Federal court in Indiana. We were not afforded the opportunity to be represented by an Indiana licensed attorney. We were taken advantage of from the onset of our relationship with Phillips & Garcia Law Firm. Mr. Robert *** has never stepped up to the plate to give us legal advice throughout our relationship with Phillips and Garcia Law Firm. We have asked him questions and he continues to stay silent, even though he is one of the attorneys of record. We have been taken unfair advantage of and the whole masquerade of Phillips and Garcia Law Firm has tainted our trust in the judicial system.

We were led to believe Phillips & Garcia Law Firm could represent us no matter what State we were from. The website of Phillips & Garcia Law Firm indicates they will represent clients no matter what state they are from. This is in itself deceitful when in fact they have no clue what the law requires from state to state. We never had an opportunity for honest representation from an Indiana licensed attorney. Instead a conflict of interest existed between us and Attorney Robert ***. We severed ties with Robert *** several months ago. Phillips & Garcia Law Firm hired him back knowing very well why we severed ties with him. We were made to think Mr. *** would represent us with good intentions, when in fact all indications related he was angry with us for letting him go. If we had known Phillips and Garcia Law Firm was relying on our previous attorney for a sponsorship in the Indiana Federal Courts we would have not chosen Phillips and Garcia Law Firm to represent us.

We were led to believe we had a secure case against Feiwell & Hannoy P.C. Mr. *** told us Feiwell & Hannoy P.C. (attorney group who initially filed a wrongful foreclosure suit on us in April 2010) was seeking to settle as per a prior email. The email dated July 12, 2011 stated; (Feiwell & Hannoy is seeking a demand to settle the second case. Damages in the two cases cannot overlap (i.e. you are not allowed to double dip and ask for the damages twice). Settling both cases at the same time would appear to be advantageous. The second case is valued at $5,000. We are seeking permission to make a demand of around $15,000 to $20,000 in that case to see what the defendant comes back with. ) We gave Mr. *** our permission to proceed at $30,000.

We never heard anything further regarding the Feiwell & Hannoy settlement. We later assumed this to be a lure, only to get us to settle with Bank of America. We have questioned our standings with the Feiwell & Hannoy case on numerous occasions. We received an email from Carlin *** dated September 27, 2011 stating this case now has limited value. And the Attorney of record Robert ** is seeking to withdraw. This whole masquerade has caused us added stress and grief beyond imaginable belief. Mr. *** made empty promises not only verbally, but also in writing. We've asked Phillips and Garcia Law Firm to submit settlement offers on numerous occasions and he has not, he has refused to submit our offers. Now we find Phillips and Garcia Law Firm, Robert ***, and Joseph *** has submitted a withdrawal, directly from the advice of the Magistrate, and to be effective by October 28, 2011. We've received letters from the court/Magistrate stating Phillips and Duff no longer represent us, but the defense counsel said they are still the attorney of Record. We are very confused and bewildered.

This whole case has been botched from the very start by misrepresentation. We put our trust into the legal system and were never afforded the opportunity to be heard and respected as the innocent parties. This malpractice has affected our lives in ways that are unimaginable. We've constantly, day after day been forced to endure an emotional roller coaster ride, our financial stability has been shaken to the point of no return, our emotional stability has been totally wrecked, our physical and mental stability has been misused and weakened, and our marriage has been tested in ways that are unacceptable. A day does not go by without a conversation about this travesty. It has virtually taken over our lives. We have lost social acquaintances because of this. These are but a few of the reactions from the unorthodox and unethical actions the legal system has forced us to endure.

We know this may sound as if we are fabricating and exaggerating a story but we can assure you we have been truthful and can substantiate every detail associated to our complaint. Should you have any questions, please contact us at either email: ***@aol.com , phone# xxx-xxx-xxx or home address xxx *** Naples, Fl. 34104.

The harassing calls for the last 14 days about our mortgage payment being late has begun. The collection agency told me that we owed $134.95 extra plus late fees, when we weren't late with the original payment. I agreed to initiate the $134.95 instantly from my online payments. 2 days later, we started and are still receiving calls about being late with our payment for not paying our mortgage because now, they said they sent our mortgage payment back by mail and still owe late charges.

Bank of America is being incompetent again and has done wrong and harassed my wife every day over their mistakes to inform us properly, and not acknowledge our regular timely payments.

This way I passed around 3 years, and I came back just 3 months back, and during my salary deposit I realize that in last one year they charged me around $175+ from my kept balance so that I can use when I will be back. It was my hard earned money during job cut and it was taken as maintainability fees by BOA. This is only for 1 year. I don't know how many more months prior to this they might have charged me.

When I complaint, no one has any clue why this happened and when I asked money back, they are rude and careless about customer's pain. God will give you the return now BOA - Let's see how much you can earn like this.

As the US turmoil against unfair distribution of money takes place at Wall Street, I have read numerous complaints regarding customers who are complaining about BoA's ridiculous practices and how they ripoff customers by reordering/rearranging the transactions to cause customers to pay more money in overdraft fees and funds. I have had services with a company called Clear for internet and VOIP. Recently, I contacted BoA to dispute $1,138.71 in charges which they refused to do. They agreed to dispute $832.50 and promised to mail to my home the cardholder claim statement, which never arrived to my house. I thought that all was well since BoA did not contact me to inquire. However, on 10/18/2011, I noticed a credit reversal and I immediately contacted BoA to investigate.

I requested the document to be sent immediately and the representative refused. I continued to dispute and call until someone decided to fax it to me from Arizona. The individuals I spoke to reassured that the charges would be reversed, however, I was later told that I would have to wait until December 9th for the results. The horrible reality of it all is that my SSI check was swallowed up without remorse and I, nearly 60 years of age. My rent had not been paid and I was told by an investigator named Eleanore that I was only receiving $316.49 from the $832.50. This has set me at a disadvantage because I am nearly $400.00 short for my rent. Do you think Mrs. Eleanore cared? She did not! She had the audacity to use sarcasm and ask why I did not report sooner knowing I had access to my bank statements. BoA workers are imprudent and relentless with customers. They disrespect the elderly and disabled openly and without care.

This company should be highly monitored and thoroughly investigated. I reported Clear for several reasons and made sure that I was clear of why I was disputing such a large amount. The company deceives customers by offering phony promotions are ridiculously low prices and after sign-up, the prices are sky-high. In one phone call, the representative was impersonating a criminal investigator which is against the law. I did let BoA know all that I was enduring and that I had paid for services that were inoperable. I had also contacted Clear to dispute charges, which they refused to refund. BoA's only concern is to rip customers off by any means necessary and I am fed up with their shenanigans. My subsidy is my only income and now, I have to go to bed thinking how will I pay the second half of my rent and other bills.

Thanks to BoA, I will possibly be taken to housing court. I will be more than glad if a lawyer contacts me so that I can sue BoA!

You would think I was asking for $1,000,000.00, no, just $160,000 for my home, which I was putting down 20%. Finally, when they couldn't find a legitimate excuse to deny the loan, they said that my fiance's business was not in good standing. This is not true, his business is viable (they should know he has a business account with them).

When are the American people going to wake up and vote? Banks are allowed to operate this way by the politicians we elect. Unregulated banks will continue to get you! Bank of America is a crooked corporation that is made legit by our government officials. This is a wonderful country which we are allowing to go to pot by continuing to focus on what car we drive and GTL. Vote, people and stop the rape of the average American by banks! Where is our bail out?

Every time they assigned a new person to my account, they want the same information to be re-submitted again due to the fact that according to them, my information is too old and it has expired (no wonder it has expired; they keep delaying the process by not reviewing it and swapping reps every 10 days). This is a clear violation of home owners rights by this entity. They have been deceptive, misleading in every way possible so as to keep continuing to be evasive and refuses to comply by the rules and guidelines of the HAMP Program. I also want to complain that this Bank's assigned agents and supervisors disconnect their direct telephone numbers so that when owners try to call the assigned representative, it gets routed to several departments and by the time you get to someone to share your unfortunate events with their company, the only response you get is "We apologize for the inconvenience".

Wait a minute, I've been told this for more than 33 times and not having my case resolved doesn't really count, does it.? Bank of America reputation in regards to be compliant with Federal and States Laws is a joke. For me, I am so in despair to the point that I cannot sleep every night nothing more clear example is that the time I am writing this complaint it is 5:25 am. I go to work at 9:00 am but so far I can not sleep since I received a Fedex package letter inside stating that if I do not provide all the updated information for the 11th time now by Monday, 21, which was yesterday that my case will be considered closed and terminated.

Not again, this happens over and over. I requested the help of my nephew Angel to help me with this since he is a Private Investor and has experience with mortgages. He himself has stated to me that he has already escalated my case several times and that he was told the same things I was told and that in his last conversation and complaint with Bank of America, he gave them an ultimatum in regards to their bad faith and that he was going to have me file several complaints with different government agencies. The customer relationship manager at that time tried to fix the issue at hand and promised to have it resolved by 11/10/2011 and that he, Joe ** was going to give him a call no later than 11/15/2011.

My nephew also asked if there were any additional documentation required and Mr. ** from Bank of America said no, that according to what he was able to see in their imaging system, it seemed to be a complete package with all required documentation. Well, my nephew never got a call from this guy and I found this Fedex letter at my front door on Friday 11/18/2011 stating that all the same information is required again by yesterday or otherwise my case was going to be closed. No ** way.

A week later, he received a piece of paper in the mail from BA that appears to be a sales pitch for accidental hospital Insurance, with a list of coverages. It's an enrollment form. We did not ask for this. It also states that the coverage would begin once we signed the form and sent it back in. I held onto it, with absolutely no intentions of signing anything. One week later, we received an "activation form" from BA reminding us that we had not signed the form, please return, etc. I have no intention of signing this.

Today, I received a nice letter on Hartford letterhead that tells how "lucky" I am to have this new insurance, at no cost for 2 months. It goes on to tell me that at the end of 2 months BA has "arranged" for my monthly premium of $14.40 to be automatically debited from my account. This is a pure con and swindle. It's not bad enough that they have already been stealing my money every month for 2 years now they want more. They have access to my checking account and are stealing my money without my signatory which would allow it.

I am so close to hiring an attorney, it's not even funny. It's no wonder BA execs are so rich if they perpetuate this kind of swindle to every person who has an account with them. Frustrating because they are willingly taking my money without my consent. Needless to say, we are closing our account on Monday and this is after 25 years of banking with no one but them. By the way, I called them this morning, BA tells me to call Hartford, and Hartford tells me to call BA. In both cases, I talked to Indian account reps with broken English at best.

Later that night I went online again and checked my available balance. It was well in excess of the amount I had originally requested. And now there were four charges against my account; two $2 charges for insufficient funds, one $2 charge for an ATM balance inquiry, and a $3 charge for a successful withdrawal. I called my bank. They were apologetic but said they had no control over what BofA did and that I had had more than sufficient funds to cover any of the requested transactions and that, furthermore, I was allowed one transaction without fee per pay-period against the BofA ATM. My bank was nice enough to temporarily credit my account $9 pending a response from BofA but the guy I was talking to said "My advice: Don't plan on BofA acting favorably on this, it's happened before and they haven't, and try to stay away from their ATM's." Point taken and I will.

I contacted BAC about getting my trial payment check returned to me so that I could complete their request for the final loan modification. I have now sent three faxes, called almost daily, had my personal bank draw up documents to fax to BAC and still they have my money. My customer service rep won't even leave a message requesting more documentation. The loan modification process has taken BAC over two years to complete. I made my payments for 9 months after I applied for the Home Modification loan. Then I made monthly payments which I could manage. I never missed a payment or was late with a payment but in the final paperwork for the Home Modification, I get to pay interest on the interest I was unable to pay during the two + years it has taken BAC to basically rewrite a 15 year loan into a 30 yr loan. I also was able to retain my current interest rate at 5.87%- no getting the current rate from this, the largest banking institution in the US.

We have been so ripped off with bail out dollars. I also run a small business, if I were to treat my customers in this manner, I would have been run out of town a long time ago. I can't understand why this bank still exists. I say leave Occupy tenants at their front door. I think I'll join them.

One my next billing cycle I will pay off this miserable outfit and close the account. By removing 80% of my account credit, they have hurt my FICO substantially so if there are any class action folks out there against Bank of America, feel free to contact me for support.

Okay, so Bank of America appraised it, which was LandSafe - which is owned by Bank of America. They charged $450 for the appraisal, and also said they needed the VIN. Well, since I replaced the cabinets where the document was, they said they had to research it and charged me $150. Even though I sent a picture of it and two other documented proof from the original loan papers with the number on it, it didn't matter. So since I moved in, we installed a new roof, new well, new floors, all new carpet, new electric heat, new hot water tank, new cabinets, new doors, new tubs and toilets, and other smaller stuff. They said the appraisal was about $2,000 short and declined the loan. They appraised it at $102,000. I mean I paid $96,000 to begin with, and about $30,000 in repairs and improvements, and the appraisal was lower than when I bought it. The property taxes appraised it a lot higher than the bank did.

Now every month, they harass me, call four or five times a day the last two weeks of the month, and ask me why I am a month behind on my payment. I'm not greedy, but I hate greedy people. They should be taught a lesson not to rip off hardworking people. I think they should refinance it and pay me for every month the difference that I could have saved refinancing, or at least refund my money for the apprasial and the research fee in a check.

Everyday, it's the same exercise. When I filed a complaint directly with BOA, they said that it will continue until I make my last repayment installment and bring my account current. This is true harassment. When times were hard for them, our government bailed them out! All I was expecting was some time to honor my commitment as I got myself back on my feet. My advice to anyone reading this is to take your mortgage to another financial institution. This one clearly does not care about its customers even though I've been a faithful customer to them for more than 20+ years!

Eventually he started to wonder exactly what was going on, he called the bank and reported this as fraud. The bank did and investigation and agreed so they put the money back into his account. Well, when he came home last month for our wedding, they had called his moms house looking for him and she gave them my number because when he is home he has my phone, and we are usually together. Regardless to say neither of us ever got a call from them, so they did a reversal of the money with out telling us and shut down his claim.

On his way back to Germany, he went to pull out money for a train ticket and realized that his card had been shut off. He called me but by then the bank was closed. So I called as soon as they opened the next morning. Come to find out we were negative 1600 dollars. I was outraged, by that time I had been added onto his account so I was able to call the bank and ask the what the heck was going on. Well they then informed me that they hadn't been able to contact us and they needed some answers so they shut down our claim. Well after telling them we never received a call, I gave them the information they needed and they told me everything would be fixed within 10 days. I was over delighted because I currently am employed due to moving and that is all the money we have, and have two wonderful little boys to take care of. 5 days later, I received a letter in the mail saying that through their investigation, they had figured that it was my husband pulling out this money and that is wasn't fraud.

Go figure, another problem, I called the bank yet once again and argued with them about this. Both my husband and I had already stated that neither of us had taken out the money. They told me that in statistics usually when someone takes money out of somebody else, takes money out of somebody else's account is usually large amounts. I came back by saying okay, well maybe that is how it works sometimes, but not all the times, and one of the fraudulent withdrawals was 500 dollars. Maybe that isn't a huge amount of money to them, but for a family of four and only one parent working that is a huge amount of money. Basically they said there was nothing they could do about. By this point i was in tears and said so basically you are telling me that you are basing rather you are going to screw us over or not by statistics.

By the end of the call, they had agreed to put it back into investigations. He has been having problems like this since he started using Bank of America. Please if anybody knows any information or has any advice please email me at **.

On 9/6, NC again attempted to send a refund and again it failed. NC received the following response after the second failed attempt: "This person has already gotten their money back via the chargeback they filled. We represented the chargeback on your behalf for re-payment but that request was denied through their pre-arbitration.” That response is completely false. I did not receive my money back. On 9/22, I again contacted B of A. I asked if they had any idea who was responsible for blocking the refund.

They had no answers. Who is this merchant then? They then told me that if I got a form from NC with the date, the amount I was owed, and my name and faxed it to B of A’s headquarters, they would clear the refund. On 10/3, I received documents from NC showing the three blocked attempts they made. The documents included all the information that B of A requested. On 10/6, I faxed the documents to B of A. The next day (10/7) I received a call from B of A confirming that they received the documents. However, they informed me that since I dropped the dispute a month earlier, they can no longer do anything about the charge.

That afternoon I filed a complaint with the Better Business Bureau. However, B of A gave BBB the same runaround they gave me. And after 5 weeks, BBB declared B of A acted in good faith and thus closed the complaint. I don't understand why I have to go through so much to try to get a double charge corrected. Natural Cures (the company I made the purchase from) agrees I’m owed a refund and tried several times to send me that refund. I did everything B of A asked me to do. I disputed the charge as they recommended. I then dropped the dispute when they recommended. I then supplied the documents they requested. They kept changing their story. Now they gave BBB the same runaround they gave me. What else do I have to do? Why am I being forced to pay twice for one purchase? How is this fair? How is this legal?

All letters prior came addressed to my son. Several years later mail came in both of our names. It was not until 2010, I tried to open a savings account at Delta Credit Union, when I was denied due to my name being placed on a Chex Systems' negative report. I went to the former BA branch, I wrote and called Chex Systems and Bank of America. No one would respond with reasoning. To date, I have a letter from Millie Roglitz/ Customer Advocate/Office of CEO stating that she will update the reporting to Chex Systems, and delete the reporting under my name.But still states that I am liable for the charge off.

My credit was damaged due to their inaccurate reporting and not only did they charge off the debt, they stated that my son was liable. Is there a way to sue them for all the stress, and unfair practices that they have directed at me, and my credit standing? I have kept all documentation for legal purposes. Thank you for your help. I am unable to open a savings account at a financial institution, and dealing with this bank has created great stress for a woman, who has been trying to rebuild her credit and save.

A check of my account online today (11/13) showed the 11/11 payment as still pending, and a $15 late fee applied to my account. So I was left with the embarrassment of looking like a deadbeat for the denied card when, as far as I knew, the payment had been made the day before and I was using the card in good faith.

The customer service person at the bank (who was actually quite helpful) told me that because 11/11 was a holiday, and they don't process payments on weekend or holidays, they would not be processing that payment until Monday 11/14. It's funny how they had no problem processing a late fee on the weekend. I've been assured that the late fee will be removed on Monday. Still, if they can't process payments on holidays and weekends, the website should not allow payments to be scheduled for those days.

On Nov. 11, nine days after, I officially started trying to close my account. BofA accepted a direct deposit into my "closed" account. I had changed my account information with this employer but their policy is that if the old account is still open, the transition check will still go to that account. However, it wasn't open enough to use my ATM card to withdraw it. I went into the bank, withdrew everything in my account, asked if it was in fact closed and now, two days later, I received an email notification that my account is overdrawn for the amount of the withdrawal. I believe that BofA is obstructing customers from closing their accounts in order to skew the numbers of people being reported as leaving their institution.

We never received notification or the new cards explaining this. The representative I spoke with for one of my accounts, which is a business banking account, said they sent the replacement card to an address that I lived at long ago. I have kept up with updating my account information with new addresses, but obviously Bank of America does not care. Thankfully it was just lunch and not an emergency. They also would not tell me at what retailer the compromise happened.

It took speaking with 3 levels of supervisors in order to get to some more useful information. I found out that cards might not be renewed due to several reasons, one of them being non-use or infrequent use of the cards. Also, if you want a new card, you have to call BOA personally or go to a branch. If we had received any notice from BOA about the non-renewal of the ATM cards, I could understand. We would have been content with a timely letter stating that the cards will not be renewed, and instructions on what to do if we wanted the cards to be renewed after all. The BOA call center staffs were very professional and unnecessarily apologetic for something that wasn't their fault. The BOA now has front-line call center workers (with very limited power) apologizing for a corporate policy stripping ATM access from customers.

The customer service rep told me it was because my overall money with them had slipped below $25,000 because I had been paying off a line of credit. I pointed out that I would never have started a savings account with such a fee and that this fee is not listed on their schedule of fees. I insisted to speak with a manager. She did refund the fees to me. I closed the savings account and just put the money in my checking account. I could not believe BoA would try this with me!

I met with the local representative. She said not to worry, trust her because she had been there numerous years and knew what had been promised. She did not receive anything in writing. Another CD IRA came due in August of 2011. We asked if the option was still available. We were told no. And it did not apply to the ten-year CD IRA we opened in February 2010. The local representative filed an inquiry. I also contacted CEO headquarters. Bottom line, we were suckered into signing a 10-year CD agreement which BOA now denies we did.

However, there is a local BOA representative who knows what was committed to and the two IRA specialists who offered it. BOA's excuses have been laughable, ranging from we misunderstood, their employees had no authority to offer this, and that they never offered this to anyone. We know there are other people out there who this happened to and would like to hear their experiences. I have documentation, names, and dates. But BOA's "customer advocates" are BOA's. There is truth in lending and there should also be truth in investing.

My mortgage is scheduled to be paid by my credit union. I am concerned that BOA is not training their tellers. When I approached BOA with the fees, I was told "You should have known". BOA called me today and said after thorough research, I should have notified my mortgage company that I changed banks and I am responsible to pay the fees. I did not agree nor did I speak very kindly. The fee is not substantial, therefore; I don't need an attorney. It's the principal that is important. I am hoping to alert anyone who is deciding to close their account with BOA. Be very careful to cancel all your bill payer accounts no matter what the teller tells you. I took all my money out and they still paid the bill!

Every time I deal with them, they refuse to correct the issue. Now they have taken over the escrow of my taxes and insurance without my knowledge or approval, and want more money than those 2 items would normally cost me, if I paid them myself. I feel that I am in an abusive relationship, and the abuser will not let up one bit. The only alternative I see, is just to walk away, since it looks as though, they will try and take it anyway.

I would like to see an end to this. My credit standing is in the toilet because of this. I would like that fixed, and my interest rate at a reasonable rate, not 8% which is where it is at now. I want to keep my home. I want to get away from BOA.

I went to the same teller the next day. She said, "Need another print". “Why?” I asked in disbelief. "Just in case," she replied. “Of what?” as I asked if she thought I might've had a thumb transplant. I misapplied two prints the finger clamp way. She admonished me and told me to do it as she had "taught me to do it yesterday". I did. Now, the poor check has five (5) fingerprints on it. She told me, "If you open an account here, you wouldn't have to go through this.” Would I want to? "Not with a gun to my head," I replied. She threw the check into the well and left the window after some sly remark. I left the check there and went and lay down on the bench to take a nap (with my feet up, eyes closed). Finally (15 minutes), the 'head teller' (arrogant instructor) came to a closed window and bestowed the cash upon me. I wrote a letter to Mr. Moynihan (BOA CEO) and Fed-exed it. His secretary called me in a few days and apologized for the treatment. They called the branch in Roselle and "clarified the policy that that'll never happen again".

So now they are reporting me as late to the credit bureaus. Why am I bothering to pay them if they are messing up my credit? The only reason my credit was messed up in the first place was because I had identity theft, which I discovered after B of A closed my credit card because of a charge off for a utility bill in some other city and they and Wells Fargo and Discover each, because of it, raised my percentage to 36% and I couldn't handle the payments anymore, and they refused to reduce the amounts even after I provided a police report and a letter from the creditor. Finally, B of A came to me and offered to let me pay $100 a month at 5% and I agreed to help restore my credit, but this is now just going to hurt me more.

The problems began when I logged into my online account to make a mortgage payment. I couldn't pay it from an outside account without incurring a $25 service fee. So I took a Wells Fargo check to my local branch to pay it. I was told the same thing by the teller, that there is a $25 fee to pay it from another bank. I had to pay it with cash to avoid the fee. Working full time, with two small children, and the local bank's hours (9-4 weekdays only, no weekends). I work 7:30 am - 5 pm and it's extremely inconvenient to do anything but online banking. The cashier informed me I could get a free checking and pay it from there to avoid the fee. So I opened an account.

I logged in online and set up auto pay on the loan. The next 3 months, they took out the payment twice. I canceled auto pay three times, after each payment, yet it kept doing it. I called my local branch who couldn't do anything but had to call someone else and said they'd call me back. I wanted the three extra payments to be credited back to my account, because I needed the money for other bills. They couldn't do that, but I didn't have to pay my mortgage for the next three months since I was three payments ahead.

Next, I tried to make payments to other accounts online. I attempted to use transfers, bill pay, and putting in the BOA account info via the payee's website. All three times the money was debited from my checking account, but never posted to pay the bill. It took over three weeks, and many calls to both customer service and my local branch to get the money credited back to my account.

Now, I find out I'm being charged a $5 monthly fee to use my debit card. Then today, I went into the bank to withdraw cash. The cashier told me I should use the ATM, because there is an $8.99 monthly fee if you use the teller in the bank for any transactions. Bank of America has wasted my time, tested my patience, and steals my money. Their system is flawed and their customer service horrendous. I am closing my accounts, and telling everyone I know to bank elsewhere!

I have had a number of loans and lines of credit with BoA and never had a renewal fee before, so surely this was a mistake. He then said that I was not doing enough business with the bank and if I were then, maybe there wouldn't be any fees. He also tried to threaten me with a higher interest rate. I don't set the rate, the bank does. I felt as if I were dealing with a mafia thug. I reminded my advocate that the economy was poor and business loans were not needed when there was little to no business and he said that he could relate as was a real person, too. Well, he said that he would research my accounts as he couldn't find them while I was on the phone with him and get back to me.

As of today, I'm still waiting and would call my local BoA but they don't answer the phone; it just rings and rings then someone in a far away city answers which is no help whatsoever. I feel dirty and abused as I pay on time, pay more than the minimum amount, and even so when there is no business income to service the account!

She became very annoyed, so I told her to not call my number again. I don't know if this is a scam, but I will never give my private information out to anyone.

I just received my new mortgage statement and I have been charged a late fee of $38.00. I just also tried to call BA customer service, but they are closed! It is a Saturday morning about 11:00 am and they are closed to taking any calls at the customer service center! I have spent so much time and effort on this one penny and so has Bank of America.

Well, BA have a new plan for me. Right after about three payments, BA increased my interest rate to 13.99%. I was extremely mad, I called BA, and they told me I was late with one payment and that is why my interest rate was changed. I am very careful with this loan. I know, if I am late in payments, my interest rate will go up. I believe BA lied just to get extra funds from us.

When I look back at all my payments, the only mistake I see is that I accidentally lowered my payment by $20.00, because of this BA increase my interest rate. I continue to pay my loan for 4 years. As of today, I still owe BA $30,000. I did my calculations. As of today, October 26, 2011, I paid back BA about $25,000, and I still owe them $30,000. This is not fair to us.

BA is taking advantage of us. We all need to do something. When BA needed help a few years back, the federal government assisted them with our tax dollars. We all need to ask BA to pay us back.

I closed my account the same day and I said goodbye to this bank who is robbing us blind. President Obama gave those banks billions of our tax dollars and they turn around charging us more fees. This is right down illegal and Bank of America will fall hard. They always say that the bigger they are, the harder they fall. I can't wait for that day, I hope everybody starts taking their money out (big or small) and wait for the big fall of BOFA.

I have received $150.00+ in fees on 2 linked accounts for transactions they claimed did not have fund but were authorized. How does that works? I would like Wachovia/Wells Fargo refund me the money they took away without any justification

Why didn't you block the card? The representative of your bank was looking at my account and was unable to explain it to me. I called again on 07/07/2011 twice, and nothing. Finally when I went to the bank personally, I found out that somebody was using my mother's card. On top of that, on July 11 I opened a formal claim (number **), and you did not do anything until the thieves took all the money from the account.

Now you just do not accept responsibility. I did what I was supposed to do as a costumer of a bank, and your office failed to follow procedures because of the incompetence of your employees I called many times to the bank and did or tried to talk with Jackie or Ms. ** who was in charge of my case. They never answered my question. Nobody has been able to explain to us what happened.

The letter advised me to call if I wanted to continue with the modification. I immediately called them, and they informed me that my home was sold in a foreclosure sale on September 8, 2011. I received the letter on September 11, 2011. I faxed documents to the specialist on September 6, 2011. Wachovia states that there is nothing I can do now. I was blindsided because I was in good faith working with the specialist. I had no intention of losing my home.

I had my bank card lost in a Bank of America ATM machine. The people in the bank did nothing to help me. I called customer service via the 800 number to ask that my card be cancelled. It was about a month before I received a new card and that was only after another call to the bank. I made transfers from my savings to my checking accounts via online banking and was charged a $27 fee this month, and now, they are going to start charging a $5 monthly fee for using our ATM card. I guess the tax payers didn't give them enough money in the bailouts, so they have to start slowly taking more from their customers. I am a very dissatisfied customer. I am very disappointed in a bank that I have recommended to friends in the past.

Bank of America had told me many times that I qualify for a loan modification. They either never get back with me after I do everything they ask me to do or I get a letter saying, "Sorry, you didn't qualify," or "We didn't get the required paperwork back in a timely manner." That is far from the truth! They have scammed me out of thousands of dollars only to keep them reporting my credit as bad. They can never tell me where the money I pay over each month goes. They have never shown the over-payments I've made. I even asked to go to location to get help, and they tell me it's not possible. The scamming office is in California. I can't get a house loan to get away from these money-thieving scammers. They steal your money!

Then, last Saturday, October 15, 2011, my mom and I both went to the bank to get a cashier's check ($100,000), with her passport and permanent resident card, as well as my own IDs. This time my experience with Marivel ** was even worse. We were at the bank around 1:30 pm. She told us that the bank will close at 2 pm, and she needed to do some more verification. She said that we might not get our cashier's check that day, and we have to come back again on Monday. I was very upset because my mom was there and she has all her identifications with her. What other verification does Marivel need? She then showed me her discourteous and disrespectful attitude, shouting for us to leave the bank. At that time, another personnel stepped in and said that he was willing to help us.

I have never felt so mistreated in my life. My mother and I decided to close all our accounts at your bank. That personnel was fast in giving us a cashier's check in the amount of $680,000 without making any calls. And it was within 5 minutes. I don't understand how is it that I want to get a $100,000 cashier's check and Marivel was giving us such a hard time, compare to withdrawing $680,000 cashier's check. And I was able to get it in minutes. I like your bank to know how discourteous and disrespectful your personnel treat your customers. If this is how you train your personnel and how you do business with customers, then you can be sure I will never do business with your bank or refer anyone to your bank. I am also very disappointed with Bank of America.

I asked the rep to show me the computer screen so that I could see all was correct. The zip code was not correct, so I asked her to fix it, and supposedly she did. Well, what happened? I got only one box through the mail and the zip code was still not correct. At the time I went in, she told me that the new order would begin with a certain number. When I checked the new order, it did not start with the number we agreed upon. I told her that the checks needed to match my driver's license particulars. And I said that I wanted to know who authorized this change to my mailing address. She could give no satisfactory answer to my question. Needless to say, I am ready to tell Bank of America "adios". I'm wondering however if anyone else has experienced this problem.

The case is currently filed as ** versus HomEq Servicing. The other defendants are Wachovia, Wells Fargo, Michael Milstead, Milstead & Associates, etc. These banks and lawyers cannot be allowed to operate above the law. They committed the criminal acts with full knowledge of its effects on my clients and their children.

Any similar dealings with these companies can be reported at the website. If you'd like to be a witness then tell us what you know.

Last night (October 12th) an automated withdrawal for $3,859.20 occurred. When we logged on this morning (10/13) we noticed it and were immediately alarmed. The transaction description read "CSTAR SAS MW/MD REF # SW-1100300395", which also threw an alarm as it seemed fraudulent.

My wife called the bank and initiated an investigation. After no response she drove to the bank and the teller told her that they (a woman named Mohini who works at the Peachtree Parkway location in Norcross, GA) had overpaid us on one of the bonds, and that Wells Fargo had deducted the difference.

My complaint is that a) if the amount was indeed overpaid, how can Wells Fargo take back the difference on their error, given that we signed a deposit slip. b) The teller told her that a letter was being sent in the mail, after the withdrawal had occurred. How can they not notify us prior to the event? That is a very unprofessional practice. c) How can they let their error slide for 6 weeks, then 6 weeks later hold us accountable?

I work in sales for a large corporation. If I "under-charge" a customer a few thousand, on what grounds can I stand and hold them liable weeks later for my error. I believe in personal accountability, which apparently Wells Fargo does not.

I would like to see the withdrawal amount deposited back into our account. My wife and I live within our means, and budget ourselves accordingly. Had they caught this error days later it would have been understandable; upsetting, but understandable. Weeks later is unacceptable and now as an expecting father, this comes at a horrible time.

Thank you for your time.

When we missed the third payment, we got calls 24/7—they were threats all the time. I tried to explain to them the reason why were three months behind, and that we will not lose our home. This went on for more than 4 1/2 months, with nasty ladies and men telling me that I better make up all the payments or they will start foreclosure. I was so scared, and I got very sick. In December 2008, I was told that I needed surgery on my breast, but due to I lost my work, I had to wait for months my insurance.

I kept working with Wachovia regarding this and dealt with the hardship everything going on, but they cared less. I thought of one thing that might be able to help me find the right company to help us without a fee, so I contacted our senator in California. I was shocked because within a week I received a phone number to call and I didas soon as possible. She took down my information regarding my income and the hardship we were going through, and said she would give it to the bank. She said that if I did not hear from her within two weeks, I have to call them. At that time, they changed to Wachovia.

I did not hear from them by the thirteenth day, so I called. I spoke to a man. He told me that the modification went through; we would be receiving the new loan documents, and we did two days later. They took all five back payments and trashed them, and gave us a 4 percent fixed rate, but to my surprise they even dropped the balance of the loan. I asked the man in the loss mitigation department what our loan would be and how long we will be paying for it. He said the term of the loan is fixed rate. We signed the documents, and sent the papers back.

We paid our loan on time and then comes 2011. We lost more work, and I needed another surgery-- my thirtieth surgery at the age of 63. We had to save again as it cost so much. Being out of work and living on social security only and my husband at 67 years old doing all the work (in his 38 years in the construction business that we owned, he worked so hard just to get money for my surgery, and to be able to keep up with what we had to pay to keep our utilities on), we got so far behind our payments. I tried so much to work with Wachovia, but got nothing out of them. Nasty people from their office told me that, “You should have not bought a home you cannot afford” and I said, “You’re kidding me.” Who did he think he was by telling me that when we made larger payments before we did the loan in 2007? It went on and on.

Well, now is our home in foreclosure, and they have not set a sale date after nine back payments. They still will not work with me. We did put the home up for sale five months ago, but nobody is putting in an offer, so I called the foreclosure department. I tried to tell them that we will not let our home go. This is our home; in the 45 years we married, we have been in good and bad times and we made it through. She cared less. Then when we put the house up for sale, we found out that our loan was only good until January 2012. When we go back to the “pick a payment”, we could not get back into a loan as it was. She said, “Well you signed the papers, so you knew it.” I told her, “No, we did not.” Then after over an hour talking to her, and I found out that she did not know my name, address and state. She said, “Well, Mrs. Jackson do you still live in the property?” I said, “Who are you talking to? Do you even know?” She said, “Oh, you’re not Mrs. so and so, and you do not live in Florida?” I said,”No, I am not. I am Mrs. **.” She could not get out of that mistake. I said I have written Wachovia, and called to ask for my loan documents to show me what it said, as we did not receive them. We just received a paper to sign and return back.”

She said, “I will make sure you get one, as I'm going to send it out. If you do not receive this one, it has to be your mail service.” I said, “ I don't think so because I get all the nasty ones that stress me out. I am very sick with rheumatoid arthritis, and I am home all the time. I have not received anything, but only the ten letters you sent; five of the letters were for me and the other five were for my husband. When you send out the foreclosure letters, I always receive them. I have not as yet talked to anyone, but I sit every day waiting for a notice to get out.” She said, “I know that they have lost everything, and I have no records of this last loan.” I am at a dead end, but I have worked for months trying everything possible to save my home. This is our home, and all our hard work and money we have put into it. I will be damned if they take it back.

We are a small, woman-owned business and only have this line of credit handy in case we need to use it on special occasions like buying larger than normal levels of inventory or such business activity.

When I asked the B of A representative why there was a steep increase, I was informed that the new government regulations required a lot stricter monitoring, and as such, the cost of this had to be recovered. Oh and in case you object to this charge, they will reduce it to $500 but increase the interest rate to 4.5% over prime (about 7.75%). One can only wonder how many tens of millions this is going to raise for the B of A, if this is legal and how this is going to help the already struggling small business community.