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Bank of America Customer Service

User Reviews, Ratings and Comments

Bank of America customer service is ranked #455 out of the 538 companies that have a CustomerServiceScoreboard.com rating with an overall score of 25.37 out of a possible 200 based upon 1035 ratings. This score rates Bank of America customer service and customer support as Terrible.

NEGATIVE Comments

998 Negative Comments out of 1,035 Total Comments is 96.43%.

POSITIVE Comments

37 Positive Comments out of 1,035 Total Comments is 3.57%.

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Terrible Overall Customer Service Rating
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  • Is it a wonder BofA consistently ranks as one of America's most hated companies. Today found that if you have a balance and pay it off you still pay interest. Every other credit card I have had this situation with has no interest when the balance is paid in full, but not BofA. I guess this is just their policy, when I asked them to remove as a gesture of goodwill (long time customer here), they said they would. Never again BofA, I hope this company dies like it should have but instead was bailed out with your and mine tax dollars.

    BofAstinks 5/16/12 6:12PM
  • We got through to someone who said they will have someone else call us back with 48 hours. Yeah, sure. They kept saying we could be transferred to the short sale department, but our SS was already denied. Everyone here needs to become very vocal about your situation with BOA. Call your local news station. Send a letter to the CEO of BOA. Write a letter to Obama. The squeaky wheel gets the oil.

    Not Happy 5/16/12 5:45PM
  • Bank of America is the worst mortgage servicer ever!! 3 years of trying to get my loan modified and we are now 6 months behind on out payments. Lost paperwork, tons of hours on the phone, tons of times being transferred around, denied modification, you name it, we have had the problem. I have e-mailed the CEO and OOP office personell, contacted the legal team... I have had 5 different account managers with my most recent who contacted me this week sating that my case has been re-assigned to him and he is directly with the office of the CEO and my case has been highly escalated and he is the highest point of contact I can be at, at this point....I'm still waiting and now have to see if this new ACCOUNT MANAGER can help me finally or not...does HIGHLY ESCALATED even mean anything to Bank of america??

    B of A is the worst!!! 5/16/12 1:26PM
  • This website is utterly useless...all I can get are recordings. Have been on the phone for an hour, getting nowhere- terrible customer service. I am going to cancel my account, and I am not going to open a checking account with Bank of America, because of the terrible customer service!
    Susan Dreyfus

    Anonymous 5/15/12 10:04AM
  • On line bill pay is down for 2 days now. No idea when it will be back up. That's not exactly something my creditors are going to understand. I had to enter the last 4 of my ss# for the three times they transferred me to someone who was clueless.

    Neelie 5/15/12 8:30AM
  • I called the office of the CEO after hours. I was transferred to an automated service, but managed to get someone to answer the phone. We have been trying to modify our mortgage due to 30% pay cut. Fell behind because wife was hospitalized and unable to work. Went to make the mortgage payment. BOAC refused. We've been trying to speak with our "account manager" for TWO MONTHS and have left several messages with her, her manager and her manager. Not one returned the phone call yet. We received a letter from a law firm seeking to represent us in our foreclosure. The sneaky SOBs filed a foreclosure suit against us claiming the property is "non-owner occupied." Does that mean no notice and no service? BOAC can conduct the foreclosure without giving us notice and sell the property out from under us? Watch out for this one.

    Oliverhog 5/14/12 6:14PM
  • (letter to BOA whic i found out after composition thay have no dept that accepts complaints) In January of this year, my Credit Union transferred $1602.35 from my account to Bank of America. This was received by BOA before the 1/15/12 deadline.
    On 2/13/12 I received a letter notifying me that, while the January payment had been received, BOA was unable to accept payment as it was $118.12 short of the increased mortgage sum of $1720.47. I immediately sent a replacement check of the new amount which was received by BOA.

    Very concerned that this would be adverse to my credit rating, I called BOA on 2/14/12 at 1 800 430 3405 and talked with Bonita. I was told this was not the correct number to resolve this issue and was advised to call 1 800 669 0102. I did so and talked with Shauna Zavala. She suggested I compose a letter and fax it as a “credit reporting dispute” to 1 800 520 5019. I did write this letter and faxed to that number on 3/16/12. (Please see attached letter). The receipt of this fax was confirmed on paper by my office fax machine.

    By 4/19/12 I had yet to get a response so I again called BOA at 1 800 669 6607 and talked with Melissa who stated BOA never received the fax and suggested I fax again. I did so and later Melissa called and confirmed its receipt. She stated someone would call me after a review of my request.

    Having heard no response, on 5/3/12 I again called BOA and talked with Anthony who stated that BOA has a policy to never reverse or reconsider a bad credit report. Dissatisfied with this answer, I requested to talk to his supervisor and was transferred to Joanne Zavala who again stated BOA policy. I asked to talk to her supervisor. She transferred me to Bruce Freeman.

    Mr. Freeman was very rude and stated BOA never allows for “courtesy credit corrections” stating BOA needed to “maintain its integrity with the credit reporting agencies.” I asked to talk to his supervisor. Mr. Freeman, in a very officious manner, stated there was no point in further discussion and that he would not provide me with the name and contact information of his supervisor. He did state “one of the supervisors would get back to you in 1-2 days. I am still waiting.


    I have a fabulous credit rating, having a priority to live within my means and keeping a zero balance on my credit cards. My credit rating is source of pride for me.

    With an over 10 year history as a BOA customer, long history of consistently timely payments, and a great loan to value ratio, I am the kind of customer BOA should go out of their way to please. Instead, I have become disillusioned and dissatisfied to the point where I am now in the process of re-financing at a lower rate with my Credit Union. They are more than happy to have me as a customer. I will finally have a loan that cannot be sold to you. I feel elated!

    In transitioning to another mortgage provider, BOA will be losing an extremely reliable revenue source that would have provided BOA $192,745.90 over the course of the loan.

    I know the reputation of BOA with its role in the bad mortgage debt debacle, its attempted introduction of debit card charge premiums, and its attempt to foreclose on that couple who paid off their note and went into a BOA branch office to claim court-sanctioned possession of your office furniture (I watch John Stewart). BOA clearly deserves its negative reputation.

    Please feel free to continue such business practices. I will be monitoring your unhealthy and unethical business practices, entertained from afar with a smile on my face and a lilt in my step.

    Sincerely and adieu!

    royalyakdog 5/10/12 1:29PM
  • Boa applied my mortgage payment to principle on accident. After many hours of phone calls they finally denied us admitting they were wrong, but they cant do anything about it. They are saying there sorry and that's about it. I really don't know what were going to do because we don't have the money to make a double payment and the late fees. This is the worst thing ever. This bank needs a swift kick in the butt if you know what I mean.

    Anonymous 5/10/12 10:16AM
  • Our problems began 2008 with Countrywide. My husband lost his job and we begged for some kind of help from this lender, only to be met with rudeness and stupidity. When our loan passed to B of A, we were under water financially and continued to beg for help. Although my husband has since found employment, this conversation has continued with B of A for 4 years for one issue or another. We were told that we did not qualify for one program after another, that documentation had been lost, fees and penalties on top of fees and penalties have been assessed, phone calls have not been returned, we've been inundated with phony and deceptively alarming missives delivered by FED EX on a regular basis, and the in house mod that I was finally able to squeeze out of this bank has only raised our monthly payments and extended our term. We have tried to be fair and ethical throughout but this awful, evil entity has done everything possible to place roadblocks in our path. Their company credo is written only to protect the bank (read it yourselves on the Board of Directors page) and says nothing about customer service or satisfaction. We've made every payment agreed upon, and yesterday in the news what do I read? That 200,000 people who are behind in their loans will get a $150,000 principle reduction!!!! Our home is now worth $75,000 and sadly, because of the re-fi Countrywide scammed up with in 2007, our loan amount is $240,000. My husband and I are slowly going insane fighting this bank and are about ready to throw in the towel. . .which is just what they want because when they short sell our precious home, the Government (taxpayers) will cover the loss. Surprise. . .it's a big WIN WIN for B of A. I'm so disgusted that I have no words. I just know that we all stand before the same throne on Judgment Day and my conscience is clear.

    ST 5/9/12 8:53AM
  • The buyer on our house has been trying for months to get approved. They have set 2 closing dates only to cancel. Then want more stuff from the buyer. This is costing us (sellerS) and them (buyers) lots of money with end in site. NEVER, NEVER deal with BOA on home loan.!!!!!!

    Anonymous 5/8/12 4:07PM
  • Bank of America is horrible to their customers! If this sounds familiar or you just want to send a message to big companies to remember who pays their salaries, please repost at will.
    As many of you know, my family, and many others on my street, were impacted by the recent(5 weeks ago) tornados that struck north Texas. After doing our due diligence by covering the exposed roof, blown out door and windows, all to protect our home investment(and B.O.A.'s), and then forwarding the insurance check from Horace Mann(who by the way are awesome!!) along with all other info that BOA requested, we still have not received a check to begin repairs. It has been 3 weeks now and we have done everything that BOA has asked and yet they are holding our insurance funds for no reason. We faithfully pay our mortgage every month, yet they wont be as faithful to their patrons. My wife(Kim Hodges Gribbin) has spoke with multiple customer service reps(i use that term loosely), and supervisors, all of which have assurred her on every call that we have done everything we needed to and the check is in the mail. Today Kim calls and they say that the check is not in the mail after 2 weeks of saying it is in the mail. The bottom line is that we have already put thousands of dollars of our own money out to weather proof our home, had windows and doors replaced, and Bank of America is holding our insurance money hostage for no reason. My roofing contractor is scheduled for tomorrow morning based on the fact that Bank of America said 10 days ago that we should see a check in 3-5 business days. Now I have a contractor that I have to pay out of my pocket($14K) since Bank of America are not honoring their part of the mortgage contract between us.
    If you think this sucks, sounds familiar, or just want to send Bank of America a strong message about the end results of dishonoring contracts and poor customer service, please repost and goto www.bankofamerica.com and flood them with chats and emails about their horrible customer service. Feel free to reference Robert and Kim Gribbin of Royse City Texas and the issues we are facing. Thank you in advance for your support and prayers.

    rgrib88 5/7/12 6:00PM
  • Have called twice and have been put on hold both time with a wait of over one-half hour each time. First call I was "transferred" to Fraud Dept. and line was disconnected. I was told transfer could not be completed and to hang up and call the 800 number. The second time it just kept saying to hold on. Not pleased with this type of service at all!!!!!

    dcoollady 5/7/12 1:41PM
  • After doing business with this bank for almost 7 years straight & keeping my accounts in good standing for 99.9% of the time, I was hit with an od fee, my apt complex attempted to re~submit the payment that had already come back, so BAM hit with another. Then, due to the 2 fees of $35 each, another transaction bounced in the amount of $5 b/c the $70 in fees took my account below $0. This in turned resulted in another $35 od fee. I have recently relocated in search of biological family & finances had already been slim due to the move & the time I was away from work. I just found out my bio~mom is stage 4 liver failure & won't make it much longer. My job had cut back my hours so that I would be able to spend what little time we might possibly have left together, together. As a result, my income has been cut in a major way so I have been EXTREMELY frugal with my money & only buy necessities. I haven't even had the gas to go visit my mom in the home she is currently residing in, until she passes. Anyway, without elaborating on this anymore, I will sum up what took place. I ended up closing my savings acc all together, & tried to get some of the fees reversed as a courtesy, via emails to customer service. (It is very hard for me to verbally talk about the whole deal with my mom as I cannot "keep it together" very long, so that is why I was sending emails.) I was told I needed to visit a local branch to discuss the account. Well, their lobby hours conflicted with my work schedule so it took a couple of weeks before I made it by a branch here locally. I walked in & the greeter at the door asked how she could help me. I told her I needed to speak with an account manager regarding my checking account. She said ok, follow me & walked me to her desk. I explained to her what had happened as she just stared at me with a blank look on her face. When she failed to respond, I said, so I guess I am going to have to request my account be closed. (The account was no longer od as I had taken care of that as soon as all the charges started coming in back to back.) She typed in something on her pc & stated, "ok, you can step over to one of the tellers & they can withdraw the $35.22 remaining funds that are in your account. I think _____ is open and there is nobody waiting in line." END OF STORY! Did not even blink an eye when I said close my account, did not ask if there was any way they could keep me as a customer, not thank you for your business, not even kiss my #*%.....NOTHING! I was very hurt that the "person" showed no compassion, was not apathetic, no feelings what so ever toward me or my situation. I was floored. Had I been "stronger" mentally, I would have asked for the branch manager but I wasn't, so I didn't. I regret it now but I'm not done. My next step is to contact their corporate office regarding such poor customer service & for them refusing to do any type of courtesy adjustment on a few od fees that a couple of them obviously were a result of previous od fees & my apartment re~submitting a payment that I accidentally made from the wrong bank account. GIVE ME A BREAK! I know that $140 or whatever it ended up costing me in fees means a hell of a lot more to me than it does to BoA....especially at this time. Don't know if this all made since as it is late & I get flustered just thinking about this financial institution, but I am sure you get the picture of what I have been through over the past month with BoA. PURE MISERY.

    a NON-BoA fan 5/6/12 1:33AM
  • I have been banking with BOA for 9 years and have never had a problem with them until now. The tellers/bankers are generally very friendly but the loan officer that works at this particular branch is rude, unprofessional, and irresponsible for the following reasons:

    1) I went in to get a pre-approval and the loan officer did not provide me with a lost of required documents. Thus, we had to go back and forth a few times for her to get all the documents needed - that's disorganized and unprofessional.

    2) The turn around rate promised was 72 hours; however, it took more than a week for them to get back to me. Furthermore, I'm the one who had to contact the loan officer on the 8th day at which point she had requested additional documentation - disorganized, unprofessional, and a bit irresponsible.

    3) The loan officer was actually extremely rude in her tone of voice and actions.

    4) I actually got a pre-approval from another bank and decided not to work with BOA because of their rude and unprofessional manner. When I went to retrieve my documents they had "misplaced" my tax returns AND my application, which consists of highly confidential information, such as my SSN! - unprofessional, irresponsible, and absolutely ridiculous.

    Needless to say I was less than satisfied with the customer service with the loan officer in that particular branch.

    ElleC 5/4/12 10:32PM
  • worst customer service ever encountered. people are idiots, give answers they make up then ask you if any questions.
    No training, do not respond to specific comments, told no bank within 100 miles and keep telling me to go to local branch. Needed 4 digit pin to use debit card in foriegn atm- which they told me but then tell me only give out 6 digit pins.
    They lie and punt but do not address the problem

    Anonymous 5/3/12 1:31PM
  • We had a total loss of our home almost 2 months ago. We had insurance and since the tragedy we have been trying to pay off our mortgage. BofA has been everything BUT helpful!! First they procrastinated with getting a copy of the title to the insurance co (they just needed proof that the house that we lost was the one mortgaged with BofA). It took several tries for them to get the paperwork where it needed to be.. Once the insurance co issued us a check (both in our name & BofAs name)we went to our local BofA to pay off the mortgage. We were told that they do not handle this locally and that we would have to send the SIGNED check to their CA office. We did so, along with copies of all of the paperwork that they said that they needed. We sent everything with a signature confirmation,and once we knew the mail was delivered we called to ask how long before they would be able to process it and if they could call us once they have returned our portion of the money. We were informed that they were a call in center only and that they would not be able to call us to let us know anything. Also, we were told that the check & paperwork had not made it to the proper dept yet. We have called everyday (more than once!). After 2 days we were told that the check has been processed but they did not have the paperwork- yes, the same paperwork that was sent with the check. Also, we would have to sign a "letter of Intent" before it would be able to process. The letter of intent was basically stating what we planned on doing with the property. Frankly, I do not know why this would even be their business. We also had to provide the fire report and a form from the insurance co.. It has been more than a week now, and we were just told that it could be up to another 10 days before we would find out if we were APPROVED to pay off our mortgage.. *shakes head* I cannot express how stressful this has been. Not only have we lost our home and everything in it. We are now basically living out of a suit case until BofA decides to return our portion of the check so that we can get another roof over our heads!

    Desperate for Closure 5/2/12 12:04PM
  • I have a home loan with these freaks and they will not even give me a credit card and I have been paying them 969 a month and havent been late and they wont even work with me and i have 50 to 60 equity in my house. Bank of america can go jump. I will get my home loan out of there ASAP. Do not use bank of America.Bank of America will lose my money in the long run.......

    Anonymous 5/1/12 5:04AM
  • I haven't been able to get a regular monthly statement for our loan for four years. Every month I call to get a statement, get a bunch of questions, requests to fill out a survey at the end of a call, assurance the statement is in the mail and then once in a while one will come but never twice in a row. Even emailing a rep does not help.

    Anonymous 4/29/12 6:46PM
  • I began recieving calls from companies trying to get me to sign up for their credit cards. The phone read Bank of America for one of the companies; however, the rest were actually third party companies that get paid a fee for bringing business to the credit card company. I called Bank of America, and they inormed me they would never do something like that. Well, guess what, just go to their website, and you will find that you have to manually fill out a lengthy form forbidding them from having any one of the hundreds of their subsidiary & affiliated companies from trying to sell to you. Also, did you know if you pay someone (A teenager cutting your grass) with a check, and the kid doesnt have an account with the bank they charge five dollars to cash it? That upsets me, because who do you think that kid is cussing out for coming away with fifteen dollars from that twenty dollar check you wrote. He might hate that bank, but people expect you to take responsibility for things. Funny how that information is never told to a account holder. Dump this bank

    ScamDetector 4/27/12 3:24PM
  • They (Bank of America) are a disgrace. Atrocious! They have no shame. "Too big to fail"???? They are a complete failure, and yet, they are still in business. The only ones suffering are their customers, who are being held hostage by these criminals. I qualify for the HARP refinance...
    Bank of America refuses to help, and they get away with IT!! YET the pretty BS graphs they want to show how many people they are helping??
    Trust me, the only ones they help, are themselves. Greedy, incompetent Selfish WEASELS!! No exaggeration.I keep my end of the agreement, pay my mortgage, home values plummet, If not for that I would not have a problem refinancing. No one can help me, because BoA ignores you, you can't get any assistance on the phone, online, or in person! And to date, not one person has called me back. Is that professional, or courteous? NO. I've TRIED to get other banks to help me, all say the same, "oh your loan was sold to FREDDIE MAC, and BoA services your loan, we can't help you... If you were sold to FANNIE MAE, we could help you???? Does this make any sense to the average person-It makes none to me. So BoA, ignores you, holds you hostage, and that is business as usual for them. It's working for THEM, as they are allowed-entitled to get away with it. WHY? There is no help, support, their "MO" is to frustrate you to the brink of insanity, so you raise the white flag and surrender, aka Give-Up. I give up BoA, are you proud? Can you sleep at night? Your customers, who you refuse to help can't. If I ever escape, I promise
    I'll never return. Wake-up America, the bailouts and hope, are only for those who are so entitled, removed , detached from reality, REAL PEOPLE. Undercover Boss, where are you Mr.President?

    justanothervictimof BoA 4/27/12 7:39AM
  • bank of america is a complete nightmare!! there is not a way to get in touch with a knowledgeable person!! I am highly frustrated wtih B OF A!!

    anne bagby 4/26/12 11:09AM
  • I had nearly nine years of extraordinarily good, relations with my branch, its staff and the bank. Then suddenly, as though after years of trust, and developing my relationship, the branch, due after lies, deceipt and treachery, decided while offering me absolutely nothing, in the way of why, or wherefore, to completely severe, all of my accounts, and literally said"screw you, and goodbye"..I have been forbidden from bank property, threatened and harrassed by law enforcement, and had my civil rights violated. I only recently learned, this tragic action was perpetrated against me, by a cowardly excuse for a manager, and an unnecessarily concerned female employee. My life has been broken, because of this, and I know I will never be, the same person, I once was..my life has been that severly impacted....james..concord, cal.

    jdjuliann 4/26/12 2:52AM
  • Its amazing that a bank the size of bank of America cannot produce a mortgage statment for its customers , can't get one on the phone , wrote the Board and Officers 3 times , waht a bunch of over paid incompetent folks they have ,Since they have now had my credit score reduced incorrectly I guess I have a case now , I think I will mail my requests to the homes of the Board and Officers maybe they will get it then ??

    time rolls on 4/24/12 7:28PM
  • 45,000 of my Reward Points are listed redeemed--they were NOT redeemed by me! I was told at the beginning of March 2012 that the Fraud Department would contact me after a month. I have called repeatedly and no one will take responsibility for return of my stolen points. I have NEVER paid my credit card late. As a reliable credit card user, I understood that BoA takes responsibility for all cases of fraud. This is stated clearly in their promotional brochures. Also of great concern is that their much-touted security was breached. Someone actually entered my account and transferred cash to their own account using my points. I find it very upsetting that Bank of America refuses to stand by its commitment.

    Disillusioned Cardholder 4/24/12 4:07PM
  • Worst website ever! I have several other credit cards and have always had a easy time setting up my account online, as well as automatic payments. With my new credit card through Banks of America, it’s a disaster. I cannot figure this out, nothing makes sense. And to top it off I cannot get a hold of anyone to help me. I can’t barley even find a customer service number and when I do, there is no option to talk with a customer service representative. WTF?

    POC 4/23/12 6:21PM
  • My original mortgage was with First Franklin they modified my mortgage and it was done fast and very discreteley! Then BOA bought out First Franklin, just a few short months after the buy out, BOA raised my mortgage back to the original amount. My mod papers state it was supposed to last 5 years! BOA denies any mod paperwork in place and is now forcing me in the way of forclosure. Does any of this sound legal ?

    BOA_NIGHTMARE 4/22/12 5:38PM
  • Most of the people at BOA are personable and easy for me to deal with. What has my ire is that I can't reach a live person on the phone without going through a boat load of questions. It's as though my time isn't worth diddly and you don't want to take the time because I need to fit a mould beforehand. If I ran my business that way, it wouldn't be long before I'd be out of business. So... all that to say this: in about 1.5 years I'll no longer owe my mortgage to BOA and when that time comes, I'll no longer be in need of BOA's services (if you choose to call what BOA does, 'services'). It's not anyone's definition of a well run business so enjoy it whilst you may. I'll not be back... I did it with the newspaper. ' Did it with my cell phone carrier and in the interim saved a lot of dough as well. You're next....

    Most Sincerely,

    Jim Moorhouse, Saint Petersburg, Florida

    Anonymous 4/17/12 1:30PM
  • The attitude of the tellers at New Port, Jersey City Branch is terrible!

    Anonymous 4/17/12 6:21AM
  • Im Back .. commented on 4/9/12

    Well B Of A has done it again... Last week i payed my april mortgage completelt. Was told after double-triple checking. "IT'S PAID".. get a phone call today. "SO just wanted to let you know that your April payment hasnt gone through yet and the account has been re-analyzed so you can pay 1701.00, whenever you get a chance !!!
    WTF ! so I do some calculating in my head and start thinking the 1650 check they sent back was actually good instead of having stopped funds placed against it like they said. (being the 16th) run over to B of A at 430 to figure this out. lady says your april bal says 1900.00 not 1700 so i cant take the payment but the check looks good. (In my mind ok put the check towarde balance and pay the 50.00 extra and be done w/ this.) 1 hour later i pay 1700.00 out of other account to cover april. planned to have the 1650 check cashed on spot ... "STOP PAYMENT PLACED !!!" Call other bank take over draft fees off account, scramble funds into other account. warned of NSF fees which i advised B of A they will pay if they cant cancel the payment just made for 1700.00 branch C.S. agent calls. Their computers don't reflect any payment.. Period.. regardless of confirmation #. Couldnt stop the payment then advised of a 1400 check that got mailed to me today which i knew nothing about. Left at 630 with a supposed "ok April is paid up" 100.00 bucks says they return money as a impartial payment and we revisit this in a week and april payment won't be comfirmed until march and i will still get a call from the debt collection division even though april is either paid or should be paid. .. Best part I asked when the debr collection div calls on the 30 asking why april payment hasnt been made what should i say, cause im telling you its gonna happen ? B of A employee says just tell them they are wrong and dont know what they are talking about !!! ROTFL !! If I took that advice, they would have already forclosed my house ! now im in this 8 hours of my own time and have emailed a law firm regarding the matter. fml

    hoef 4/17/12 1:22AM
  • People at Bank America could be the worst group of people that I have ever dealt with in trying to resolve a problem.
    Appears that they like to maximize losses rather than resolve a problem.
    Being honest and forthright with these people is a waste of time.
    They could not recognize an honest person if they fell over one. Takes on to know one.
    Have spoke to over 100 people in two years and have yet to have anyone have the courage to meet me face to face and resolve a problem which would have taken about an hour. That’s if they had people that could make a decision and common sense.
    They have no problem taking an extra trillion dollars from the Fed, to cover their poor management. Sad part is Banking Commission continues to allow these clowns to stay in business.
    Wonder why we are in such trouble as a Country.

    Anonymous 4/16/12 1:35PM
  • I hava been a customer of Bank of Anerica for 10yrs and i am going to close out my checking and credit card account once the issue of my 2500 rewards points have been credited to my credit card account...this have been an on going issue with many telephone calls with representive whom did nothing to resolve the issue..I have sent one hour today to find the corp office of Bank of American, located in Charolette N.C. with no available phone number...which i just fail to understand..
    I finally got a local number for the branch office here and explained my fustration... I am now waiting to here from the local off...I wont hold my breath...

    rian 4/16/12 12:54PM
  • If I could rate this bank a 0 i would. Unfortunately I cant. I opened this bank when I lived in a small resort town for school, it was the only bank within walking distance from my house. My identity got stolen a few months after opening this account and the people who stole it, were able to get all the money out of my account as well as take out two loans from some online loan place. When i told bank of america what happened, AND sent them a COPY of the police report they said they were sorry and would take care of it. They sent me a packet i filled it out, and sent it back. A few months later i received a letter saying i owed them $118.00 in over draft fees when i called and argued they put the money back but charged me $75.00 do to it!! And now to top it off a year later, they are trying to sue me for defrauding a financial institution , writing a bad check (when i never owned checks from them EVER) and taking out a loan!! This was all in the police report and was supposed to have been taken care of. So much for being a "peoples" bank....

    aspring11 4/13/12 9:14PM
  • I have been trying to resolve an issue with BAC Home loans. They insisted I was late with payments and I found out that BAC claims I didn't send a payment for Sept of 2011. Through weeks of talking with various reps with the reps asking me to provide an e-transmittal I got the info from my bank and sent it to the fax number provided. After no contact and three faxes later, I am told that this is not good enough and I need rolling account info. I have received three different fax numbers from these reps and now I am told to have my bank send it. I have been given the run around and BAC no doubt is collection interest on my payment from last Sept. Does anybody there really care. I am done trying to prove my innocence in this. Take the house. Never do business with BAC of you care about your sanity

    Barb 4/13/12 5:25PM
  • I have been dealing with Bank of America now for over a month regarding 3 payments that were not posted to my account. I have faxed and emailed my bank statements to customer service and to payment research and no one seems to care. So I escalated a complaint to the corporate office and I did finally get a response however I had to fax her the information once again. I called her again today and she informed me that it is being researced and she would get back to me in a few days. What the heck are they researching it clearly shows the ACH payment as well as the check #'s on my statement showing that they cleared my bank. I hate them and it is causing me so much stress.

    karri1968 4/12/12 12:59PM
  • We've been trying to get a payoff figure since July 2011 and it's now April 2012. I guess they don't want me to pay off the mortgage!! Several phone calls a day PLUS a letter to CEO PLUS calls to 'customer advocate' haven't worked. NO ONE CAN MAKE A DECISION!! Sooooo....I think I'll default and let them take the damn house!! What a way to do business. Will never do business with them again, EVER!

    Leo

    leo 4/12/12 10:08AM
  • If you call, plan to be on hold until someone who knows nothing comes on the line and transfers you to someone else who knows nothing. The process is repeated until you give up.

    Anonymous 4/11/12 2:52PM
  • We have been trying to purchase a bank owned property from these clowns since the first of the year. None of them answer a phone, nor do they very often return an Email. When they do return an Email their answers are not to a question you ask but whatever they dream up in their own minds. Its like you are talking to a Parrot!!!! All we get for answers are a circle of mindless almost computer generated like non-seance. NEVER in my entire life have I been involved in anything so exasperating!!!! If it not for the fact the idiots almost gave the property away I would have walked away months ago. They told us they had to close in January so we borrowed the funds. We are now making payments on a loan for property we don't own. I can assure anyone at that farce of financial institution that I will never in this lifetime EVER do business with them again in any WAY SHAPE or FORM!!!!

    Butch 4/11/12 9:13AM
  • my home equity line of credit deducts automatically which is fine (but) there is no way I can make a principle only payment on line. and on a couple occasions I went into the bank to make that principle only payment and made it clear it was principle only payment but some how it was applied to the monthly interest payment.

    Anonymous 4/10/12 10:17PM
  • In early March, Lender placed insurance was placed on my account (approx 1900.00)due to lack of proof of insurance. I notified B of A I had insuranance and contacted my insurance co. to get a declaration page sent over to them, so that the lender placed insurance would be removed. I was told at this time i could make the increased payment of approx 1900.00 (usually approx 1650.00) or i could wait until later in the month to re-contact the bank and possibly make the lower payment after the account had been "Re-analyzed". I called B of A on 3-28-12 and asked if they could re analyze the account. the customer service rep advised the account was set to be reanalyzed 3-31-12 (saturday. I asked her if my payment was going to be reduced that day, she said "it should be". I asked her if customer service would be available on saturday in the event the payment required was still in fact 1900.00 instead of 1650. she advised that they dont work on saturdays. I then asked again if the payment i would need to make on the date of re-anaylzation was going to be 1650. Again, she advised "it should be" I then reminded her that I didn't want to hear should, i wanted to hear it will or it won't (she's the one who works there, not me). At this time she advised that the account will be re-anaylzed at midnight the 31st and that by either logging onto to B of A online to make the payment or walking into a branch I would be able to pay 1650 to satisfy my march payment. I asked her to confirm this and she confirmed and gauranteed me this would not be an issue.

    Saturday the 31st rolls in, I log onto my computer and the account reflects a 1900.00 balance for march. i walk into a local branch, (thinking their computer may reflect appropriate info) the teller advises me i owe 1900.00 !!! I speak with branch manager. . he calls a guy in escrow who advises that account is set to be re-analyzed but that is takes effect at the end of saturday !! the escrow guy sees the payment of 1650 as the new payment. I advise of the lie i was told the 28th and the march payment for 1650 is accepted on the spot, i received a confirmation code and the amount cleared my bank on 4-02-12.

    That was just the beginning.... Today is the 10th of April. I just now have confirmation that march is paid in full, although the computer still reflects otherwise and states i owe approx $3,300.00. On or around the 4th I checked the bank account and it showed that i had not made a march payment. This was very upsetting because A.) i had confirmation the 28th the payment went through and B.) i have a est 750 credit score and a 30 day late notice being reported to the bureau would be devistating to me.

    On the 4th I was contacted by the debt collection department of B of A and they wanted to know why i had not yet made march's payment. I advised what had taken place and they said they would need to charge me an additional 12.86 to actually fulfill the payment because it had changed. I figured ok, lets get this overwith (lol). the 12.86 payment clears 03-05-12.

    I believe on the 4th i asked if they had record of the phone conversation of 3-28-12. they advised they saw the call on record. i asked for a supervisor to contact me asap regarding the lie i was told that day. (no call). I was advised that day that the customer service rep would personally call me back to ensure everything had been taken care of either later that day of friday (no call). on Wednesday i was one half hour late to my job because of having to explain everything over again !

    on the 6th i called Bank Of America again to once again figure out if i was paid or not. They advised the payment of 1650.00 made the 31st had been mailed back to me on the 5th (MAILED BACK TO ME ON THE 5TH) LITERALLY WHAT I WAS ADVISED. In talking with the customer service rep they advised I would need to make a payment of the 1650 plus alittle extra to be paid up for march. In thinking I had a 1650 check "in the mail" and looking at my funds avail and realizing the how stressful the week had been. I made another payment of friday the 6th and was advised i was all paid up for march pending the payment cleared which would not take place until monday. at the end of this phone call i make my second request for a supervisor to call me back regarding the matter.

    In a growing effort to protect from having a neg credit rating, i asked if they could speak with the debt collection portion of the co. to advise the payment was made. I was advised that because a payment was made "the 30th" the march payment would refelct paid on the 30th and should not be reported.

    Today, 4-10-12, I miss a call from what appears to be a debt collector. I call back speak to customer service. they advise the march payment has been fulfilled. . and i am currently showing a 1,400 est balance in my account ... They never mailed the check back. As of this point i had payed approximately 3,300 just for the march payment. The customer service guy advises that some type of code was placed on the account which read do not return partial payments. he said that the missed call was likely the the guy who had the code placed and that he would email him to call me back.

    I get a call back, the guy advises that the check was set to be returned but then a code was placed on the account which cancelled the return. I was then advised that 252 dollars was taken off the 1650 payment i made on the 31st and that if i just gave them 480 bucks to total 1900.00 (est) that april would be fulfilled. The amount had now grown due to a neg escrow balance. (this part acutally made sense)

    I made the april payment so as to finally get this over with. while on the phone i miss what i prsume to be a debt collector calling from 500-000-0000.

    **IN CLOSING**
    Since March 28th I have called Bank Of America 7 times. They have called me multiple times as well. in just adding up the minutes of time i have talked with Bank Of America over the matter. I am over 5 hours, literally ! Today I asked for a supervisor to call me regarding the issue for the Third Time.I was told the Supervisor is on vacation. (we'll see about that) I am stressed out of my mind and have been since the 28th. 2 or 3 of the calls i have made have been very heated and ususlly end with cooler heads prevailing and the customer service agent having a better understanding of what i have tried to accomplsh (which generally takes 30-40 min). The Lie I was told on the 28th has directly resulted in me losing sleep, being late to work, being disrtacted at work which is already a stressful job inherently, stress over my credit score (due to being advised several times that until march payment was satisfied reporting to credit bureau would continue even though i walked in the 31st and paid my payment and funds had cleared my account and I received a confrimation code !!!) and over 5 hours of my time on the phone (the most stressful 5 hours of my life) with Bank Of America trying to give them what they wanted !, trying to pay them money !. I wasn't trying to dodge them, I had called them 7 times in an attempt to fulfill march and obtain some understanding of what was taking place. One 30+ minute phone call resulted in being hung up on after i was transferred to 3-4 different persons (unkown why, resluted in being asked to hold for a moment)

    I would say that I am extremely dissapointed with the customer service of Bank Of America. I keep hearing half hearted apologies but inpromptu "i'm sorry for the inconvenience" just doesn't seem to cut it any more. not after all I have been through.

    I am honestly considering a law suit at this time. I have never sued anyone.

    Hoef 4/9/12 3:27PM
  • Card services - I have been happy with the service until February of this year. While making my payment by phone I spoke with a customer service rep who said I was eligible for an upgraded account. He explained exactly what that meant and I agreed to the change.
    It's now April and I have not received the new card.
    Trying to talk to someone was a complete nightmare. Until I found this web site I could not find a number that actually connected to a person. After thirteen minutes on hold, I finally got someone who was articulate but with such a heavy accent I had a difficult time understanding him. I finally got him pinned down to a date the card would be mailed.
    Come on Bank of America, you can try harder than this!!

    Anonymous 4/9/12 10:37AM
  • While refinancing my mortgage I ran into the NYS Mortgage Tax where basically I have to pay the tax TWICE if the lending bank does not agree to fill out a CEMA document. Unfortunately the lending bank was Bank Of America which is notorious for delaying the process by 8-10 weeks in hopes to hold on to their "customers". I waited the time and they procrastinated to the point where I simply had to pay the full TAX TWICE. I simply could not be held HOSTAGE by BOA any longer. I am filing a complaint with the NYS Banking authority and State Attorney in hopes that BOA will put investigated for this practice. By the way they want $700 for this which I had to prepay. I am hoepfully getting this money back.

    Anonymous 4/9/12 9:22AM
  • Bank of america told me (supervisor) they had a policy and could not talk to me while I was driving in a vehicle.

    sue happy 4/5/12 6:29PM
  • We refinanced early 2009 and as a part of it, got a line of credit. Though the refinance place swore they rarely sold a mortgage, they did and BoA bought it. We never used our line of Credit but paid $75/year to keep it open. Our house was one the market two years and finally sold. At closing BoA wants $500 to close the LoC claiming we had to hold it for 3 yrs, but there was no penalty for early payoff. If it's not a short sell, BoA works hard to grab any money on the table. This is just wrong so I am complaining loudly and in every forum I can think of. Do not associate with them if you can help it. They are looking to separate you from your money.

    ksmith4108 4/5/12 1:51PM
  • on 4-3-12 my mother and I had the worst banking experience of our lives. My mother had an IRA that had matured, and she misread the notice as far as maturation date. We got to the bank one day past the last date to make changes without penalty.
    Bank of America would not make allowance and give her the money without penalties, even though she has been a customer for 40 years, and has a substantial amount of funds deposited. To add insult to injury, the person we dealt with made my Mom go stand in the teller line (even though she uses a walker) to get her check, and the person who told her to go stand in line had to come to the teller counter to sign the check! I have never seen such a disgraceful display of disrepect to the elderly combined with non existent customer service. We will be withdrawing all remaining funds from this bank.

    Anonymous 4/5/12 10:07AM
  • I was requested to call the troubleshooting branch because a merchant deposited 350.00 back into my account and it had not showed up after a week. I got a person out of the country handling my account and he said I have to wait 30 days before it would show up.

    jgedel 4/3/12 6:03AM
  • I never wanted this bank! We were thrown into it due to the Countrywide buy-out. My husband has chronic health problems, we have 5 children, we have done what they have asked us to do to get a modification (3 times) and we have been turned down all 3 times! I can't refi with another bank because Bank of America has chosen to report us late each month that we pay, and we pay almost double what our original note says we are to pay them. We have been paying this huge amount for 2 years waiting for them to "help" us. So we went from a 60 day late due to health problems, to paying double each month during the "trial payment period", to being turned down for modifications so they can continue to tell us to keep making the payments that are killing us.(Does it take a genius to figure out that if we were having trouble with a $800 payment having a $1200 payment is going to really be a struggle?) We agreed because it was supposed to be only 3 months, it has been two years this month!!!
    The attorneys say that this is predatory banking since our property is worth significantly more than the remaining mortgage on it.
    Now my husband is laid off. So Bank of America's definition of helping is to send us foreclosure notices via the county sheriff, who is a close friend of my family!! Thanks, BAC!!!
    Anyone sue them and get anywhere with it in PA? If so who did you use? Its time for another Bank of AMerica news headline!!
    Thanks

    kkizer 4/2/12 9:28AM
  • I was confronted by an unprofessional and very rude Bank of America asst. manager at a florida branch. She basically snatched a check out of my hand threw it onto a chair and told me she does not need my business and that security is going to escort me out of the bank.

    Anonymous 4/1/12 4:58PM
  • I had a really bad experience trying to refinance with Bank of America through the HARP program.
    Basically they kept increasing the closing costs so they were more than 3 times than was initially quoted without any decent explanation. Their loan officer was extremely mean and kept harassing me with phone calls about all sort of issues which were not even refinance related.

    In the end I was forced to walk away from the refinance and I would highly advice against using Bank of America for any mortgage related services.

    JohnT 4/1/12 6:18AM
  • I was on the phone with them trying to get my pin number straightened out. I am 82 and retired from Bank of Americia after 37 years. I was in a superviour positionn I was talking to a young ladie Aerial(sp) in Arizonia and she started laughing at me. I am very disturbed at her actions and it has totally brought my security for Bank of Americia down. She need to be retrained in how to deal with the public with respect Sarah W Stevens

    sallew9 3/29/12 11:06AM
  • I am buying a foreclosed property from these guys and was set to close on 3/5/12. The date that they picked. We signed the contract 2/10/12. We have since had to sign 3 two week extensions because they can't get the proper description on the title and get the title in to be transferred. There is the bank, the assett manager for the bank, the real estate agent for the bank, the title company and then the closing company. None of them talk to each other and NONE OF THEM TALK TO ME ! We told them we were not signing another extension and they don't care. Won't communicate, won't return calls. VERY UNPROFESSIONAL ! We had already terminated our lease based on their closing date and are now homeless with no end in sight as to when we can close on our home. Makes me sick the way they treat human beings. EVERYONE SHOULD TAKE THEIR MONEY AND RUN ! Thank GOD in Heaven we didn't do our loan package through them !!!! Thanks BofA for making my 3 kids live in a hotel waiting on you to care enough to close a deal you made. Of course we are the only ones who can be penalized under the contract, not you. You should be ashamed to do people this way.

    Drugcop638 3/29/12 9:00AM
  • We are purchasing a house owned by Bank of America. The deadline for the closing was set by them for March 12. March 12 came and went and we were forced to sign an ammendment giving them another week. Thank deadline has also passed and we still have not received the closing papers or the keys to the house, even though we have signed all the papers and wired the money. We were told that as soon as the money was received it would be done. Now we are losing money every day that it does not close and they claim BofA has NO responsibility to get this done. If we had held up the closing we would have been penalized $50 per day per the contract. Why don't they have an equal contractual agreement? What can I do as the buyer to get this completed?

    Hoppinmad 3/28/12 8:43PM
  • Impossible. I have a cash buyer and the seller can't close because, after 4 weeks, bank of america can't provide or find the seller's pay off balance. We have tried every possible combination of phone calls and are now going to present legal action. This seller was current, has now moved and the buyer had all his subs lined up for the rennovation. We are all just at wits end. The domino effect and the number of peoples lives involved in this one transaction is of no concern to them. For the rest of us, it's the way we make our living. Disgusting!

    Anonymous 3/28/12 7:16AM
  • I have been dealing with a bank error since October of 2010. Original loan was with Countrywide, sold to OCWEN in January of 2009, sold to Bank of America in October of 2010. Instead of BofA giving me a BofA account number, they reactivated the old Countrywide account number that had been closed/paid/transferred in January of 2009. So they tried telling me that I had not made any payments. They mistakenly used an old finance rate and a new principle balance (we had modified an ARM to a fixed rate, so they used the old ARM rate and the new fixed rate loan balance which included the mod fees). They did not set up my escrow account - told me there had never been an escrow on our account since we took out the loan in October of 2006 - WRONG - then they said oh yes you did, but $1500 was missing from our escrow. Told to pay my principle and interest only because they didn't know where to put my escrow yet. Did what the bank told me, didn't need to lose $200+ a month for escrow - Payments have been processed wrong. I get modification packages in the mail monthly - thanks for requesting this - I never requested it. Then I receive a letter from their RESEARCH DEPT that says the prior investor didn't finish their paperwork so the situation is NULL and VOID. What does that mean?? I just want to make a payment and keep my house, too much blood, sweat, and tears into just to walk away from because of a BANK ERROR. I've requested face to face meetings to show them the paperwork - we can't do that, it's not allowed, everything has to be done by phone and E-mail. Of course it can't be done in person - NO PAPER TRAIL to follow with a phone call and they can put whatever they want into the computer - doesn't have to be what you actually talked about. NEED HELP AND DON'T KNOW WHERE TO TURN BECAUSE OF AN ERROR ON BANK OF AMERICAS PART, THAT THEY KNOW AND HAVE ACKNOWLEDGED ON THE PHONE, BUT I CAN'T PROVE IT WITHOUT IT IN WRITING.

    FrustratedSince2010 3/28/12 7:09AM
  • The customer service at San Diego's Balboa branch was terrible, including the customer service by the Branch Manager. When I asked who I could speak with to get resolution, they referred me to their customer escalation department with a 1-800 number. I could NEVER get through to their 1-800 number, despite numerous attempts. I will be withdrawing all of my money at BofA and moving it to another bank.

    Sandi Yahiro 3/27/12 10:09AM
  • The WORST bank ever! Today alone they "lost" our change of signatory for business accounts and staff were exceptionally rude!

    Nancee 3/26/12 8:55PM
  • Our daughter submitted a contract for a BofA forclosure property. Settlement has been delayed twice. Now our daughter has no where to live and we have to try and find room for her belongings etc. because her rental has been leased already. These people could care less about anyone. I would never use them for anything, ever.

    DJD 3/26/12 1:02PM
  • Since Bank of America took over MBNA's credit card services, the ShopSafe secure online banking service has become frustratingly unreliable. 50% of the times I attempt to generate a CC no. using ShopSafe I am unsuccessful, either because credit card services are offline for maintenance or because the ShopSafe Java applet is not working. This is beyond ridiculous.

    nat 3/25/12 7:50PM
  • I am applying for a loan modification and Bank of America requested a copy of the death certificate for the deceased borrower on the loan. The catch is I am alive and the only borrower on my loan, basically making it impossible to get a loan modification with the bank. I made a video about it:
    http://youtu.be/ySgpT8P5mG8

    Dee 3/23/12 11:23PM
  • I cashed a 50 dollar check at BOA two weeks ago . The check was to my wife and I from a BOA customer. We both endorsed the check and I cashed it without her present at the bank. Today , the same situation , the same branch , and they refused to cash the check without my wife present. I was treated rudely and called a liar.

    Anonymous 3/23/12 6:33PM
  • It's sad to read the stories of the people who are trying to deal with BofA. Regardless of how long you have been a customer, please keep in mind that the reason BofA treats you so badly is because they DO NOT CARE. The Federal Government has told them that no matter what they do, or how they treat their customers, the Feds will bail them out again with our tax money! BofA is a bunch of souless criminals. Close your accounts and move to another bank or credit union.

    Anonymous 3/23/12 3:08PM
  • I am pretty tempted at this point to make signs and spend some time in front of B of A warning people of their incompetent work ethics! I can't believe these people have the audacity to even be in the home loans business! It is so obvious by the way my family has been treated that these people should be SHUT DOWN!!! B of A blamed an employee quitting as the reason for the hold up and then the reasons grew from there. Can't find papers, can't find keys, needed 4 extensions and even with the extra weeks couldn't get things done! Now with one day to go, they come up with a termite inspector who is willing to write up a bad report, which now will get B of A off the hook! Amazing how they needed this last minute inspection, which by the way none of what they listed is not on the list they gave us in the beginning. I find it hard to believe that this all came up in just the OVER 60 days that we have been in escrow. FISHY!! We have paid $1,200 to repair the roof on this house because it supposedly was all that was holding up the deal, then no keys could be found, papers came up missing, extensions needed to let the bank get their act together, THREATENING phone calls to intimidate us just for venting about them online and how EVIL they are (ALL TRUTH by the way)..and now termites?! SHAMEFUL!! And I will tell EVERYONE I know about how B of A treated my family and I. Bank of America owes us MORE THAN an apology for stringing us along, and if they want to make this right, they should give us the house or at least end this on a good note and give us the keys to the house we RIGHTFULLY deserve!!!! My husband has been with B of A for over 30 years. WE HAVE PDFs and NAMES of ALL who have screwed us over. We've had to move OUT of our apartment and IN with my parents while we've had to wait this mess out. Been in escrow for OVER 60 days. This is the most RIDICULOUS thing I have EVER been through and so help me GOD, WE WILL BE CHANGING BANKS!!!! BASTARDS!!!!! I can't WAIT for them to go out of business!!! They are the ASS HOLE of America. Corrupt and CROOKED!!!! GOOD RIDDANCE!!!

    AnotherVICTIMofBOFA 3/23/12 12:50AM
  • I went to the same bank I always do and the lady asked me for my drivers license and I asked why? She says I need to photo to match the bank card. I look at her like okay that's new. I grab a drivers license and send it back and it was my old one, I just got a new one and forgot to throw out the old one. She comes back and says did you get a new license yet? I said yes I did. She says well I can use this one it's not valid. I said first of all you didn't ask for a valid one and you said all you needed was a photo. She said it's not valid. mind you it's not valid from days ago because I just had my birthday. I said what does a valid DL have to do with my photo. You asked for a photo and a DL I gave you both. I asked her did you ask for a valid DL? She wouldn't answer me, I was so furious and have had it up to here with bank of america, that I tell her to give me my things bank and you can guarantee I will be closing my accounts along with my husbands and my business account. I just talked to my mom and dad and they can't stand them anymore either so they are going to leave them too. The need more competent workers and they need to learn how to treat their customers. DO NOT BANK WITH BANK OF AMERICA THEY ARE HORRIBLE

    Gina 3/22/12 7:44PM
  • I have been trying the apply for a loan modification for 2 years now. In 8/2011 my acount was given to Carlos DelaRosa....COMPLETE JERK!!!!!!!!!!!!!!! So umprofessional its discusting!! I cannot believe how this bank is still in business. Lost my job in April 2008 and continued to make my timely payments until I couldnt anymore...started mod app in 11/2009. No body know whats going on...my paperwork was lost i cant tell you how many times.....,

    discusted 3/22/12 7:04PM
  • I'll jump on the bandwagon. I have been a BofA customer for 20 years and never missed a housepayment. I was unemployed for 15 months but continued to make my house payment to BofA. I tried to get a loan modification but was told I couldn't because I was not late on my payment. Whe my money ran out in July 2011 I stopped making my payment. Then I qualified for the HAMP program and started the paper chase with BofA. I must have received the same documents 7-8 times, all by Fed Ex. When I got a job in November I asked my account rep if I should start making my house payment again and was told "No, it will mess up your loan modification application." So in December I get a letter saying I don't qualify for HAMP because I now had a job and made too much money. Two days later I get another letter from BofA saying they were giving me a trial modification. I made two payments but then received a letter saying the modification was being pulled because I was selling my house, which I have to do because my job requires a relocation. They took the 2 trial payments, combined them into one regular payment and sent the remainder back to me with a letter saying they cannot accept partial payments. And they have now put me back into foreclosure which will add attorney fees. I will be closing my accounts and moving to Wells Fargo today. Oh yeah, they added 3 or 4 $15 inspection fees for someone to drive by my house once a month to make sure I still lived there. Who the hell do they think was answering all the correspondance thay were Fed Exing to my door step?

    Anonymous 3/22/12 10:47AM
  • I have been a Bank of America customer for over 12 years, but I will be banking elsewhere as soon as I can get everything shut down with BOA. If you are hoping to buy a house, STAY AWAY from BOA ~ worst mortgage department in the universe ~ they WILL NOT return calls no matter how many voicemails you leave. I was hoping to buy a BOA owned home that REQUIRED a BOA pre-qualification letter. I submitted the online request and heard nothing. Have been trying for days to call and keep getting Mr. Casey Daniel's voicemail promising to call me back as soon as possible. This happened once before with Mr. Mike Van Fossen, who also never returned my calls even though we met in person and he promised to get back to me. Fortunately, there ARE banks out there who want my business and are very professional and helpful. Good bye BOA!

    Had Enough of BoA! 3/22/12 6:41AM
  • I have been trying to get my Mortgage modified for over a year now. It is in the hands of Crystal Brown now, spoke with Murry on 3/14 and he stated that Crystal would be back in touch 3-5 days. I called to visit with Crystal on the following dates 3/14,3/19,3/20 (twice),3/21 (3 times). I understand taht people may get sick or family emergencies, however, I am sure that SOMEONE must check voice mails. Crystals voice mail states to call her manager, Latar Person?? I am not sure of the spelling and cannot get through on the Directory for the phone number provided. I have been more than patient and is all I want to do is keep my house!! I cant even make a payment due to the fact that I am slotted for foreclosure June 27th. I am getting very disgusted and would appreciate a call back to get this whole mess resolved.

    Anonymous 3/21/12 4:06PM
  • We contacted Bank Of America about our missed payments when we started having issues. Their military department told us we couldn't reaffirm our loan and then a year later they say oh you can file now and reaffirm. They put you through numerous departments of red tape in order to put you so far behind you ultimately lose your home.
    One rep said don't make any payments till the re modification is set. That's where they get you one way.
    They wanted me to sign paperwork today waiving my rights as an Active Duty soldier to cover their mistakes and foreclose on the home.

    The Government Bails them out but who helps us???

    Carl 3/21/12 2:22PM
  • Bank of America is the worst bank in Georgia when it comes to Customer Service. I went to Bank of America on Windward Parkway in Alpharetta, Ga.The manager there was so rude and just right out nasty. I was told I could not get but only 5 blank deposit slips. I have more than 8 different bank accounts that I needed to deposit checks into. She wanted to argue with me while I was being waited by the teller. She needs be on trained on how she talks to Black Americans. Yes, she was Oriental.

    Alpharetta, GA. 3/21/12 1:09PM
  • very disappointed in Bank of America. can't wait to close my account in Bank of America and open it somewhere else. they surprise me with their fees every month and then i just waste a lot of my time calling them and solving the problems. so tired of this Bank.

    Katie 3/21/12 11:07AM
  • BOA fails my ease of doing business test. I don't expect much from my BOA credit card relationship. They have locked my online account as they want me to create a more secure userid. OK. None of their format rules work for creating a new user id. I've demoted BOA from my primary card in favor of my AMEX. I refuse to carry a balance with BOA, since they have locked up my on-line banking. Oh, they also changed my credit card 18 months before expiration, for no obvious reason. BOA has no worry about making life simple for customers, so do like me and defect.

    MN Tundra 3/20/12 5:26PM
  • Mortgage department is THE WORST in the industry....How do they keep there doors open. I can't wait til my mortgage is with someone else. At a point right now where I can not reach a single person to talk about a very serious issue...

    erickdenver 3/20/12 1:07PM
  • Horrible, horrible, horrible. Trying to close on a house and this company dropped the ball....AGAIN. Go online and search the reviews for how they handle mortgages. May God have mercy on your souls.

    Mrskedu 3/19/12 7:16AM
  • I received a check for our escrow balance after having refinanced with another company. We deposited the check and two days later I was notified that the check had a stop payment by Bank of America! We deposited the check only 6 days after it was dated. We have been charged a $15 stop payment fee by our bank because of it. I will never do business with bank of America again. We should have let them fail! They have been nothing but a pain since we started our mortgage with them.

    Fritz 3/16/12 12:58PM
  • JUST GOT OFF THE PHONE FOR THE THIRD TIME TODAY REGARDING A LATE PAYMENT ON MY CREDIT LINE. ALL THREE CALLS WERE FROM B OF A, AND AS USUAL, WERE THE MOST IGNORANT AND UNFRIENDLY CALLS I HAVE EVER RECEIVED. I WISH THAT I HAD NO PART OF THIS "LESS THAN PROFESSIONAL" BANK. I WAS TOLD BY ONE OF THE REP'S IN THE COLLECTION DEPT. THAT HE COULD CARE LESS IF I TOOK MY BUSINESS ELSEWHERE, WHEN I THREATENED TO CLOSE ALL MY ACCOUNTS, INCLUDING CHECKING, SAVINGS, CD'S, AND CREDIT LINE, (ALL WORTH ABOUT 150K). I ASKED HIM FOR HIS NAME, BUT GE REFUSED TO GIVE IT TO ME. HE SAID,REPEATEDLY THAT HE WAS A DEBT COLLECTOR, INSTEAD OF SOMETHING LIKE "I AM FROM THE COLLECTION DEPT AT B OF A. I HAVE NEVER HAD A CALL FROM A DEBT COLLECTOR IN MY ENTIRE LIFE AND I'M 62!! HE SAID HE WOULD TRANSFER ME TO ONE OF THE SO-CALLED MANAGERS THERE--BUT INSTEAD HE DECIDED IT WAS BEST TO JUST HANG UP ON ME! THIS IS NOT THE FIRST TIME I HAD TO GO AROUND WITH THIS TOTALLY INEPT ORGANIZATION, AND I AM SURE IT WON'T BE THE LAST. i FEEL SORRY FOR THESE REP'S. HOW SAD TO TRY TO DO A GOOD JOB AND NOT HAVE THE TRAINING TO PROPERLY HANDLE YOUR POSITION. HOW SAD!!

    MAD AS H..L 3/13/12 1:42PM
  • I opened a dispute process in one of my BankOfAmerica credit cards when I was charged $90 on a website for a service I didn't purchase. I thought that the bank was going to resolve the issue and credit my money back, they said they couldn't do that and closed the dispute. Worst customer service ever.

    luis 3/12/12 11:05PM
  • I guess you DO NOT want to talk to anyone!! Your website that says: "to speak to a live representative, call...." is a total lie and a TOTAL WASTE OF MY TIME. I am so sorry that our loan is through Bank of America - I will surely never have another business dealing with this bank.

    Anonymous 3/12/12 2:47PM
  • I HAVE BEEN DEALING WITH THIS SO CALLED "BANK" FOR THREE YEARS AND HAVE NOTHING TO SHOW FOR IT. HATS OFF TO GREGORY MACKLER FOR STANDING UP TO THE BIG BAD BANK. LOOK UP THE UNSEALED DOCUMENTS MADE AVAILABLE MARCH 8. PRINT THEM AND READ THEM CARFULLY AND YOU WILL UNDER STAND WHAT YOU HAVE BEEN DEALING WITH A BUNCH OF NITWITS THAT HAVE NO TRAINING WHATSO EVER. TAKE THOSE DOCUMENTS TO YOUR ATTORNEY AND FIGHT BACK . YOU NOW HAVE THE AMMUNITION. DONT LET THEM BEAT YOU.

    BOBBY 3/12/12 1:46PM
  • I agree with the postings below. I've tried, unsuccessfully, to reach a human being at this bank. As far as I can tell, they only have freaking voice mail / computers working there. This is the worst customer service I've ever seen...BAR NONE. I hate this bank.

    radams 3/9/12 10:39AM
  • Worst Bank EVER !! Im moving to Chase !! Canceling my account today !!
    Chase is way better !!
    BofA you guys charge up the A** with your little dumb fees !!

    Durango_408 3/8/12 11:03AM
  • Worst bank ever...too many serious screw ups in such a short span of time.

    Problem #1
    Called in at 10:00am to BOA's automated service was told bank was closed.(bank hours 7:00am to 10:000pm.) Called another random Bank of America number which ended up being the fraud department. They were open and that was California 6:00am. Needless to say they were also surprised no one was answering the phones on the east coast

    Problem #2

    Talked to Online "Specialist" about sending Bill Pay to another Bank of Armenia Business account and was told to put the bank's address instead of the businesses address. This would make payment go through electronically, said the specialist with total confidence while puffing on a Cuban joint... A check was sent with the pony express and I had to eventually stop payment.

    Problem #3

    Called in to online banking to make a transfer. I didn't know the specialist wasn't suppose to do bank transfers. Neither did the specialist. She went ahead and transferred $4000 of my hard earned cash to another bank somewhere. A month later, I had to track the money down myself after Bank of America told me they couldn't do anything to get it back. They also informed me the bank specialist wasn't authorized to transfer money over the phone...And I am suppose to kiss $4000 goodbye because Bank of America has poorly trained employees handling other peoples money. Thanks to Melissa a real specialist working at a bank in a small town in Minnesota, where people still care about other people, I was able to get all the money back to my account. Probably should have opened an account there and left it there.

    Bank of Armenia 3/8/12 9:26AM
  • I called BoA today about the possibility of getting a convience check for my credit card. I have about $6000 of open credit on my card and I've been making massive overpayments to pay down my card for the past year. I was only inquiring about the possibility of getting $500 in the next month. Instead, they declined my request. On top of that they shut off my credit card. When I went on-line and asked why, I was told that I was a credit risk. Well, what has changed in the last 24 hours? I have never failed to make or even missed any payments for any account. My credit score is well over 700 and my income has actually increased substanially over the past five years. Is this how BoA really treats its customers?

    BradWB 3/7/12 1:52PM
  • I applied for a Modification of my loan almost a year ago. I am told by my loan mgr that it is still being review by the underwriting dept. How long does it take to make a decision?

    I have been trying to get in touch with Ms. Natalie Arneaud for quite a while now. Today, March 6, 2012, I called her this morning and left a message that I would be calling at 1pm Oregon time. I have been leaving her messages every 15 minutes but she is not at her phone.

    My home #503-656-2379. I dont get home from work until after 7pm. I would appreciate a callback please

    Thank you Lola S. Miller

    Anonymous 3/6/12 2:46PM
  • I just spoke with Customer Service Max, Max was very able to read a script, but had no service, When I asked for a supervisor he refused saying there wasn't one, I then said so your refusing to let me talk to a supervisor, after that I asked for his employee ID and last name he refused, he then said let me see if I can find a supervisor. 10 min later Jeff came on stating he was a supervisor but Jeff was confrontational and wanted to read the script over and over I said I already heard Max, I don't need to hear it again, you are missing the fact. At that point he said if you don't want to listen to me the interest is valid, I asked for his employee ID and last name he said I don't give that out, I said I'd be contacting someone over him, he said be my guest. I asked for his last name again he said I don't give that out but it starts with a W.
    Very Rude young man.
    I missed a bill due on Jan 9 of a balance of $16.12, I paid it 8 days late plus an extra $39.00 to cover any late fee. The next bill for 2/9 I paid on time and I paid the accrued interest $315.00 (on a late $16.12 payment) now again in MArch they want an additional $325 interest based ona January 9th balance of $16.12. According to Jeff & Max when I paid my $16.12 (+39) on 1/17 I was supposed to automatically know that to avoid interest I should have paid my 2/9 statement. I asked Jeff, how do I pay a statement I don't have yet?

    whitedna 3/5/12 9:24PM
  • I tried their online chat, the amount of time I had to wait for each response in the chat was painful!

    jaykay43100247 3/5/12 1:24PM
  • you have the worst customer service i have ever encountered. I assure you i will be moving ALL of my accounts to another bank as soon as they are mature. I'm tired of having to deal with your incompetent customer service. I've been on hold now for 35min....no representative.. You suck..and i'll be happy to take my business elsewhere...good riddance. i hope your bank goes belly up.

    Anonymous 3/5/12 9:41AM
  • We are currently trying to buy a foreclosure from Bank of America. We signed the contract in January and were supposed to close in February. They have constantly pushed the closing date back. We were told that the reason for the delay is due to the fact that Bank of America had not yet aquired the title to the property prior to putting it up for sale. Ofcourse there is no one you can contact at Bank of America for questions. This has cost us a lot of money because we have had to buy a storage unit and move twice, because we had planned on moving out of our apartment at the end of February. The realitor advised us that this happens to everyone who deals with Bank of America, and that they are the absolute worse to deal with. I would recommend anyone to stay far away from Bank of America.

    dgill1 3/5/12 9:25AM
  • Where do I begin? First of all the loan originator from BOA was fired or quit, but no one notified us of his departure. We submitted a condo questionnaire and budget that was initially received and accepted back in 12/2011, but was ultimately lost and needed to be resubmitted seven days before the short sale deadline. The loan coordinator was very dishonest/incompetent to the point that she stooped low enough to tell us that the commitment letter was delayed, because of a broken printer (c'mon knock it off). Finally, two weeks later we received a conditional commitment letter and we had to resubmit so many lost documents including the condo questionnaire/budget. Our deadline of 3/1/12 was missed and the loan originator we dealt with mysteriously stepped away from office 2/29/12 which was one day before the deadline. The underwriter was blamed for everything that delayed the deal even though it was and is clear as day that the loan coordinator and originator has created the chaos we have to live with. They assured throughout the process that we'd meet our deadline, but they failed to deliver. The loan originator is VP, but he is either lazy as heck or he doesn't have any power whatsoever. We've lost money on appraisals, inspections, condo insurance, attorney fees and several charges that are encroaching in to losses in excess of close to 2k. We're in the process of filing a complaint against this bank via FTC (Federal Trade Commission) and hopefully they'll do something to stop these people from conducting this bs that they call business. I wish this was an exaggeration, but everything mentioned above is the absolute truth and it's a shame that they'll jam people up with little or no consequence. The thing that irks me is the fact that it was too late to do anything by the time we realized how unprofessional, tacky and sleazy this bank really is. They are the absolute worst and this is an understatement.

    really123 3/3/12 4:08PM
  • In Sept. 2011 our home was destroyed by wildfire. We registered with FEMA and was introduced to a SBA Disaster Home loan. Now the new house is two weeks from finishing and we cannot get the remaining monies from the mortgage company, "the bully" Bank of America. They will not release the remaining funds until we get certificate of occupancy. SBA will not provide funds until BOA relinquishes all remaining funds. We have paid Bank of America the mortgage payment every month since Sept but no house!
    We are now taking the remaining contents money and our savings to finish the house. Bank of America is holding OUR money because they can!
    I WILL NEVER DO BUSINESS WITH BANK OF AMERICA. I AM TELLING ALL MY FRIENDS AND FAMILY OF THE EVIL BUSINESS PRACTICES OF BANK OF AMERICA. THE HAPPY DAY WILL NOT BE MOVING INTO OUR HOUSE BUT WHEN I AM OUT FROM UNDER THE GRASP OF THE DICTATORSHIP OF BANK OF AMERICA. NO COMPASSION, NO SUPPORT, NO HELP FROM THEM - ALL THEY TELL US IS THE ACCOUNTS THEY WANT US TO PARTICIPATE. NO WAY!

    UNHAPPYINBASTROP 3/2/12 11:24AM
  • can't wait to refinance with a reputable bank...bank of america is the pits...so sorry i got mortgage with them...customer service heading should be changed to screw the customer service...WORD TO THE WISE...GO ELSEWHERE...YOU'LL REGRET DEALING WITH THIS INSTITUTION. LIKELY THEY WON'T PRINT THIS REVIEW

    Anonymous 3/1/12 8:07PM
  • For all the people who still try to deal with BofA just understand where they are coming from and it will all be clear.....They DO NOT CARE! They are so arrogant and so detached that they deliberately lose paperwork, transfer callers and disconnect calls because they know that the Feds won't let them fail. The Feds will use our Tax Money to bailout these crooks again and BofA knows it. Do yourselves a favor-----research other banks and then move all of your accounts and credit cards before they declare bankruptcy protection and freeze your accounts. They are the WORST bank by choice! They DO NOT CARE!

    Anonymous 3/1/12 2:25PM
  • WORST CUSTOMER SERVICE EVER. They are very rude on the phone always takes at least 5-10 minutes to get them through. Never ever go for BofA Credit card. anyway their Benefits are average not great.

    Customer 3/1/12 12:10PM
  • first time home buyer HELL...we've done EVERYTHING over and over with BofA. sent them all the correct paper work.. numerous times they were to phone us back but WE always end up having to call THEM. only to be told that we're missing documents, need this and that..totally giving us the runaround. my husband has sent them all they've requested quite a few times.. the title company for the home contacted the home owner and said that they've received nothing whatsoever stating we were trying to purchase the home. come to find out, the loan officer we were dealing with quit and left our files to dry! so now BofA is supposedly trying to pick up where she left off but there's just no end of this in sight! over and over WE have to call THEM to hear anything or find out what to do next. i don't want to start over and wait a whole other 45+ days. if we went through another bank, that's what we'd have to do. we are all packed and ready to go. just need them to quit sitting on it. i don't understand what the hold up is.. the appraisals are all done, all we need is a roof certification and we've done that!.. i wish there was a way we could just transfer all this to another bank and be on with it already! we're living out of boxes and as of sunday, we're to be out of our apartment, with NO place to go!.. it's just a mess.. i really am just praying hard that they pull through on this SOON. i've been reading some horrifying complaints about them online. many dealing with the EXACT same problem as us. saying there is no end in sight, been waiting MONTHS to close but are given the runaround. we just keep waiting. we opened escrow over 45 days ago and were to close on the 28th of feb. 2012. they are supposed to call my husband tomorrow to give us some info on the underwriting. but with the way things have been going, my bet is that HE will have to call THEM to hear anything! and they'll say the same things as before.. round and round we go. this has just been a horrible first experience. i just want in that house already!!!!!! i will NEVER do business with them in the future. in fact, i plan to close our account when this is finished..of course if it goes through, we will HAVE TO deal with them, since our loan is through them. But so help me, they WILL be hearing about this.

    finneyfaery 3/1/12 2:50AM
  • I HAVE BEEN DEALING WITH THIS SO CALLED "BANK" FOR ALMOST THREE YEARS AND HAVE NOTHING TO SHOW FOR ALL MY EFFORT TO DO THE RITE THING. THEY LOST MY FIRST TRIAL PERIOD PAYEMENT ONLY TO FIND IT SIX MONTHS LATER. NOW ITS ANY EXCUSE THEY CAN USE TO NOT MODIFY MYLOAN . NPV, NON COMPLIANCE, WRONG DOCUMENTS. I HAVE A LETTER FROM CEO ADVOCATE THAT CLEARLY STATES THAT MY PMNT WAS FOUND AND APPLIED TO TRIALPMNTS. AFTER HUNDREDS OF PHONE CALLS HUNDREDS OF FAXES I STILL HAVE NO MOD. I AM NOW TOLD TO WAIT 2 TO 3 MORE MONTHS TO SEE WAT HAPPENS WITH THE FEDERAL GOVT. SETTLEMENT. THEY LOST MY FOLDER NEVER RECIEVED FAXES I SENT DID NOT RETURN PHONE CALLS AND ARE HOLDING ME RESPONSIBLE.!!!! I DONT THINK SO. WEN I AM RITE IAM RITE . THEY WILL NOT BEAT ME AND IF YOU HAVE A SIMILAR SITUATION DO NOT GIVE UP CONTACT EVERY AGENNCY YOU CAN THERE IS HELP AVAILABLE TAKE ADVANTAGE OF IT DO NOT LET THEM WIN THEY HAVE FEDERAL MONEY LET THEM USE IT.

    ROBBO 2/29/12 1:23PM
  • I can't wait for Bank of America to fail. They are the worst Bank in the USA. Their customer service is the worst. Please go under, do all the citizens a favor and go under.

    extremely angry customer 2/28/12 7:23PM
  • The customer service of BOA is horrible. I wanted to close my credit card because they made me pay the annual fee of $40, what kind of credit card these days made people pay annual fee??? Anyways, I called today to request a closing on my credit card account. It took more than 15 minutes to speak with a rep. She told there were other names on my account, and they all have to agree to close the account before they can process my request. I told her this is my account, and only my name on it. She insisted on speaking with somebody else whose names on my account. After 15 minutes explaining, she put me on hold, transfer me to another department. They finally close my account but ruined my afternoon, not to mention she is very rude to be a customer rep. Bad experience overall.

    lnpa 2/28/12 3:42PM
  • By far the worst business experience that I have ever encountered.
    Bank of America got $45 billion of tax payer money because they are completely incompetent.
    Horrible does not even to begin to describe my experience.

    Baffooniack 2/27/12 9:21PM
  • I was written a check by a business that banks with Bank of America. So that I did not have to wait for the check to clear through my bank I took it directly to a Bank of America branch. I was told there would be a flat $6 fee for cashing the check. I asked what the fee was for and was told that since I did not have an account with them also and since the business did not pay this fee that I would have to pay it. They could not explain why. I called the 800 number for Bank of America customer service. After going through numerous automated service trying to get a person I finally did after about 10 minutes. It took me several more minutes to get her to understand I did not have the account but was trying to cash a check drawn on their bank. She said there was a fee for me if I did not have an account also, period. She didn't have further details and just sat there quietly not saying anything even though I continued asking more questions. I finally said hello to make sure we had not been disconnected. Her response was that she was still there but thought she had answered my question. Really??

    Anonymous 2/27/12 12:42PM
  • How on earth is this bank still in business is beyond me. They charged me an annual fee on my (Hawaiian Airline) credit card twice (1 in November and now - February). I know mistakes happen and though it would be an easy fix right? WRONG. After waiting forever for the staff to "look into it". I was told there's noting they can do about...followed by a crazy reason, Novemberber 2011 was for 2011 and February 2012 is for 2012 even though I paid the annual fee for 2010 in November 2010. They spent a long time trying to explain to me that they are 2 different years. I understand that BUT November to February is ONLY 3 MONTHS apart.

    Anyway, I was so upset that I then told the staff to cancel my card and asked not to have to pay for 2012 annual fee. He said "not possible". I then asked to be prorated and what he told me was "You're no longer our customer, why should we prorated you?" followed by "I'm extremely sorry Ma'am, there's nothing I can do. Is there anything else I can help you with?"

    Talk about customer service I tell you.

    BankofAmericaIsHorrible!! 2/25/12 10:08PM
  • I received two weeks ago three letters from BOA regarding my 3 checking accounts ( Two business checking accounts and one personal checking account ) . They stated that they are closing my three checking accounts in three weeks and stated that I can close them before the three week period if I wish to do so - Which I did . I was stunned because I was in excellent standing with them and I thought I was a good customer , one of my accounts was opened in 1989 - The total balance in the three accounts never went below 6 figures . The letters stated that they are closing the accounts based on a business decision and that this decision is final ! , the letters stated that one can call 1-980-386-8908 for information (The closure department - where one would hear a non friendly message ) and after I left a message they called back and could not give me any reason but said that it was not related to any risk and that the decision is made by a higher department ! .

    The day I got the letters regarding the checking accounts I logged on the online banking to find out that my credit card accounts with BOA were not as lucky because they were already closed without any notification to me ( One of the credit card accounts had $35,000 limit ! )

    Since then I have gone and opened checking accounts with both CHASE and WELLS FARGO and they are very happy to have me as a customer , the people at both banks are more friendly than BOA .

    It was inconvenient for me to spend the time to call the utilities and others with automated monthly payments and have them switch to my new bankers .. But it is already done .

    Lastly , I want to state that I will never have them as my banker , and I will not recommend them to anybody .

    Thanks

    HEALTH2053 2/24/12 10:36PM
  • $30 doesn't seem like a lot of money, right? Well, that's what Bk of A charged me for a simple, unsigned letter stating that 1. I had an account there and 2. made 'X' dollars in deposits during the past year. After 2 hours on the phone and talking to 4 people to object and clarify the incorrect information in the letter... I just gave up. I am now switching my direct deposits. billpay and ETFs to another bank. Both managers and staff who I talked to had bad attitudes.

    bwanazulu 2/24/12 7:21PM
  • Bank of America changed there account #s now you may not get your tax return on time try waiting 6 to 8 weeks

    Anonymous 2/24/12 6:59PM
  • I feel that I'm working for the Mortgage, I have to provide any class of Insurance Policy from my builinding and also my personal property in the condominium, an revceive two notices abount insuficient wind Insurance. when I called to be sure that the amount that I have to add to my policy was correct, they told me that they reviewed everything and I don;t need more coverage because everithing was ok. If I didn't have a little doubt in the amount, I would've increased the amount of a policy and pay for that and really I didn't need it.
    This are no times to put more money away when we have to paid higher costs in most of our needs monthly. I think that there is some irresonsability in the people that work for the bank that put preassure on us, the customer that continue paying the mortgage on time avoiding to loose the house, lke most of the working people in this country. Also consider that the Insurance agents are working for you also, when you didn't your work in the past in the way that had to be done.
    This has nothing to do with the rest of the services that the bank always provide me, that I am proud of it.

    Anonymous 2/23/12 10:17AM
  • Tried to use this customer service number to speak to a human being but always takes me to my account managers voice mail. Bank of America is the worst customer concerned bank for those of us trying to keep our homes, why do they seem to not want to work with us? If they accepted half monthly payment instead of only full more of us could actually catch up. All I can say is Bank of America sucks!

    Anonymous 2/23/12 8:21AM
  • It seems BOA doesn't want my business. In fact, the local manager said as much when I questioned a service charge. I'll be paying off my VISA card with BOA and giving it a long vactation in the sock drawer.

    Anonymous 2/22/12 8:24PM
  • I received the worst customer service today from Bank of America. I called in and waited for a rep for over 30 mins. I called in because I was charged a fee because I had not kept a $1500 amount for a basic account. I have another bank account at Wells Fargo which is my main account. The rep named Selina (from Call Center 3680) spoke to me over the phone and pretty much urged me to close my account. She never recommended another option for me. She just said "if you don't use this account as much, I won't stop you from closing it. Just go to the bank and take your money out." I've never seen such bad service like that before. Never had any rep tell me to basically close my account. How weird? Wouldn't you think they would want to keep their long time customer? I've been with the bank for at least 2009 (not as long as Wells Fargo) but still a pretty decent amount. Bank of America better shape up or they will lose all their customers. I will tell all my family and friends how horrible they are.

    Selina from Call Center 3680 was not even close to friendly, she was rude and did not seem to know what she was doing. She had no resolution for my problem. I used to work at Wells Fargo and we were trained in issue resolution and friendliness. It's very important for the company in the long run. I am DEEPLY disappointed.

    Daijoubu 2/22/12 7:53PM
  • This is completely incorrect. Appearantly bank of america no longer has a 24 hour help line. I have called 6 numbers so far and they have all told me (after going through all the button pressing motions that "im sory the call centers are closed") This is more than 10 times that I have had an issue with them and am extremely unsatisfied. If you are looking to bank with Bank of America I would run far away!!!!

    Anonymous 2/21/12 11:43PM
  • The most horrifying customer service experience of my life. The ATM accepted my check while there was a hold on my account that the bank never informed me of. I then could not withdraw the money that I had deposited for another 8 DAYS until they lifted the hold. In the meantime, I was given rude and incompetent service and transferred to every possible department of morons who couldn't help me or understand what I was even talking about. They had total disregard for the fact that this error left me penniless and screwed over. Closing my account... Good riddance, B of A!!

    Anonymous 2/21/12 8:58PM
  • I have tried with multiple calls to get my quicken 2007 for the MAC to interface with BOA with no success. I have waited on hold for long periods, been bounced around to various departments, been told it was all a "Quicken" problem, been disconnected several times, and then been spoken down to when I admitted my frustration.... While some individuals were sympathetic and somewhat helpful (the situation has half solved...)others were not and the whole system is really the pits.

    Anonymous 2/21/12 12:18PM
  • Spent ten minutes with voice mail tring to reach fraud at number for fraud... Nothing about fraud and no help.. I have email from you saying my account has fraud and can't reach you... Your customer assistance sucks!

    Anonymous 2/17/12 7:17AM
  • Hands down the worst customer service ever experienced. It's so ridiculously poor, it's actually comical. Bank of America call center employees are notorious for transferring you from one department to another, unwillingness to assist you with even the most basic inquiries, continuously disconnecting the call during a transfer or hold. This morning, I was transferred to 7 different people and hung up on 5 times, just so I can get basic information about my account. HAHAHAHA. You have to laugh at such incredible incompetence and disregard! And after all that, I never did get an answer to my question. FAIL.

    Scratch 2/16/12 10:55AM
  • 1100 Mohawk St
    Utica NY 13501

    Bad customer services

    The supervisor is very rude.

    Anonymous 2/15/12 12:43PM
  • I also add my wooes to many others here, our mortgage lender had been Countrywide, then BOA bought it and we have been paying them since then. We have never been late until September 2011, we could not make the payment and we informed BOA and at the same time started the process to try and do a Loan Modification, well let me tell you that has been the worse mistake of my life, first the requested different letters of Explanation for things like, we you have multiple employers, and why did you close your IRA, we have provided everthing they requested, they sent a letter with certain things they wante dus to provide including a "Death Certificate" of the owner that passed away. This is not the case for us, we are both alive, so we told them "Not Applicable". WE have provided all the documents with both of our signatures, and both of our paystubs. The representative told us taht we were almost ready to get the trial payments and we should not send the payment for the month, since we were going to have to pay the trial by the 1st of the next month. The trial payment did not come and they Decline our Modification becuase of "Missing required documentation", when I called and ask what were we missing. I was told "YOUR HUSBAND'S DEATH CERTIFICATE", well he is alive and cannot produce something that does not exist. Now here were are 6 months later, still no modification and now they are taking me to foreclosure, becuase of my missed payments. And still refuse to process anything else until a produce that Death Certificate, but then I gues the death certificate is not necessary for us to sign foreclosure documents. BOA is the worse and more stupid company I have seeing. So I called my investor Freddie Mac and we are handiling the case thru them. they even told me "NOTHING THAT BOA DOES SURPRISES ME" they cannot elief the request for a Death Certificate when there is nothing on the Credit reports and or SS that says he is dead, and he was seating right infront of them too.

    When I have the opportunity I will get rid of this pestilence that is BOA, and to think that we were thinking to open an account with them. There is nothing on earth and even Hell that will make me deal with the biggest idiots in the world.

    byw68 2/15/12 12:25PM
  • I made the mistake of using their online help via their chat connection. I'm quite sure I was chatting with a robot named Yvonne. Either a robot or an idiot. After twenty minutes, trying to resolve why they had denied a charge on my credit card, I gave up. The robot said it was not possible to send me an email about the matter. Dealing with Bank of America is frustrating.

    rwbman 2/14/12 9:54AM
  • Last night I deposited a check on an ATM machine, after it took my check the machine returned my debit card and then it shuted off!!!

    5 minutes later the machine came back on and I inserted my card and check for my balance and the stupid machine didn't credit the check that I deposited!

    I called the customer service and they gave me a claim number and told me that it would take about 10 days to resolve this problem. 10 days!!!! I was counting on this money, now I don't know how I'm going to survive through the rest of the week.

    Bank of america is the worst bank ever!

    Anonymous 2/13/12 8:04PM
  • We are trying to finish escrow on our home. All we need is the payout, and B of A will not give it to the escrow officer. What is the problem? we are not a short sale, so they will be getting all their money. Instead I have to call and ask for it and still we have to wait 24 -48hrs before it becomes available for it to be mailed or faxed to us. Our escrow officer tried to send a request with our signatures on it. Guess what B of A said? Our signatures don't match what they have on file.
    This what I have learned. They will not foreclose as quickly if you are upside down on your home. However if (like us) you have equity they began foreclosure after 5 mo. of missed payments. All so if you bought,refinanced,or took out a second after January 1, 2009 there are many modifications you will not be qualified for, including the unemployment program.

    sick and tired 2/13/12 7:18PM
  • LISA BLACK at the Plano TX office was so rude to me wow, I am so mad at this company for allowing her to work there and mistreat first time home buyers, she was more than rude

    reportyou 2/13/12 10:34AM
  • I was a BofA mortgage customer, generally happy, and contacted them about refinancing my mortgage. The mortgage rep I was sent to asked me for a lot of information ... much more than necessary. They not only asked for my 401K account balance, but wanted a statement of what my account is invested in! They asked me for a credit card, on which they said they would place a "hold" for $450 to pay for the appraiser who would come to my house if I moved forward with the application. I gave the rep my credit card number (I figured, after all, I was already doing business with BofA for my current mortgage). After speaking with my husband, I contacted the rep two hours later and cancelled my application. He confirmed that the hold of $450 on my credit card would be released. This was on December 5th 2011. However, they did in fact take the money from my credit card. It was not just a "hold". It is now February 12, 2013 and despite many calls, emails and escalations this money has not been refunded to me. Needless to say, I refinanced with another financial institution and will not be doing business with BofA EVER again.

    momster0 2/12/12 2:10PM
  • HORRIBLE SERVICE! i charge $2-5k/mo primarily for business and always pay in full. then, on an overseas trip, my card is stopped. that is ok. i know that it is prudent to check for fraud. but, i couldn't call bankamerica collect. ATT rejects the collect call number on the back of the card, saying that it is not in their system. i then call the 800 paying (while paying $1 per minute). they, can't call me back.

    i would strongly encourage any business user traveling overseas NOT to use Bankofamerica visa!!!

    Anonymous 2/12/12 1:33AM
  • Customer service, and the employers that work there are so rude!!
    What kind of Business is Bank of America running?!?!? no wonder i Hardly see anybody there, that's why its always empty. Every single time i have gone to Bank of America, I have been treated with the worst kind of disrespect, I can't even put it into words, and it was pretty interesting to see the 'manager/boss' laugh and be rude along with there employers instead of putting them straight.. The last time I went, was the last time! They lasted about 1hr just to cash my check, on purpose; and then when they asked me if I wanted a envelope for my money, i said yes, and the rude skank just threw the envelope at my face! LIKE WTF,, you lost ANY kind of business you guys would of had with me.

    A J 2/11/12 9:13PM
  • Hi I want to post an comment about my visit to bank of america the staffs there is rude nasty they are people nobody wants to work with specially these employers kathy crutchfield from the legal dept an robert peel rodney ben merlin luke swinger alicia an others they all treat folks so bad they want folks to suffer but they dont suffer an they get paid to treat folks wrong something needs to be done about that I would not recommend folks to bank of america to get treated bad like they do other folks an get paid for it

    Annoymus 2/11/12 4:46PM
  • my husband had/has a checking account with BOA. for three months in a row someone did an electronic payment to their capital one credit card using his account. each time it overdraw the account, my husband went to the bank and they "took care of it". (he attempted to close account after the 2nd time). finally the account was coded with a "fraud alert" and seemed to be closed. but NOOOO. 2 months later we received another notice (and fee), back to the bank again, "taken care of", and are we all set? NOOOO one more time it happened.

    it was fraud!!! we had no choice but to have bank close account. it obviously cost the bank time and money to deal with this issue FIVE times.

    painter37 2/10/12 10:02PM
  • THEY FAILED AGAIN...NEVER POSTED MY CASH DEPOSIT AND NOW i GET THE "pAY OR qUIT NOTICE" AT MY HOME!!!

    OHBABY555 2/10/12 12:29PM
  • Started the mortgage loan modification request process in August, since the payments have become too much for us. Sent them everything they asked for - bank statements, bills, tax returns, etc. They called us after a couple weeks and said they were missing a few pages here and there, could we re-send them? Ok, we re-sent them. Another couple weeks passed. Now they were missing some other pages. Could we re-send those? Ok, so we re-sent those. Then a couple weeks later, it was, the bill copies we sent and bank statements were now too old. We needed to send more recent ones. Months and months went by like this. We sent them an absurd amount of stuff, so much of it redundant. Finally, in January we got a form letter saying, "You are ineligible for a mortgage modification because you did not send us the paperwork we requested." Infuriating! It also said we had 30 days to appeal this. So, I started calling them. Never got a live person. Left messages. Their voice mail greetings said they would return all calls within 24 hours, but nobody ever got back to me. Left more messages, more messages, crazy, ranting messages, now feeling like "What do I have to lose?" I'm not a conspiracy-minded person, but it's hard not to believe this isn't all part of an agenda by B of A to avoid reducing people's interest rates / lose money. They can tell the government they complied - they did their part - but I'd imagine very, very few customers would be as tenacious as I have been.

    Bubbletea 2/9/12 2:34PM
  • 40 minutes without service in the Las Vegas W Warm Springs & Durango branch, even after I asked if it would be a long wait or not.

    40 minutes is NOT what I would call 'not very long at all', especially when I had to sit and stare at Geoff and another female employee BS at the greeting station for 40 minutes!

    Time to switch banks and tell these idiots where to shove it.

    BobtheDude 2/8/12 11:37AM
  • Dear Sir or Madam:
    I am writing regarding the absence of even an ATM that will handle DEPOSITS in our town of Spring Hill, Tn 37174. The population here is nearing 30,000 and we are/were the 14th fastest growing city in the U.S.

    It is necessary to make a minimum 30 mile
    round-trip to make a simple deposit. The closest banks are Franklin, Tn and/or Columbia, Tn.

    There are many banks in Spring Hill...First Tennessee, Regions, U S Bank, First Farmers, and at least three others. I know there are many Bank of America customers in Spring Hill as the manager at one of the Franklin, Tn banks expressed to me that MANY customers had requested the ability to make a deposit to their account IN SPRING HILL and not a town 12 to 15 miles away.

    Please consider our request...at least an ATM that would accept deposits.
    Regards,
    Cynthia T. Hunt
    (615)397-0747
    cyndih54@gmail.com

    Anonymous 2/6/12 6:41PM
  • I have been on the phone for the past two hours trying to change my temp telephone pin to another. It was a mess . Spoke to half a dozen associates, have a paper full of instructions and even tried a three way call with rep to assist. To no avail. This is absolutly ridiculous - it used to be so easy. We have been banking with BOA for 20 years. I am through with them. I will go somewhere else and everyone I talk to will know my hellish experience. Thanks for nothing.

    harris 2/5/12 12:52PM
  • I lost my debit card (it's 2 AM) and have been trying to get a hold of someone in Customer Service for the past hour. The debit card office was apparently closed, and I have been on hold for at least 20 min trying to get connected to someone.

    I find it unacceptable that this "24/7" service is actually not available 24/7, especially for a service such as cancelling lost/stolen debit and credit cards.

    I want to cancel my card, and I can't even do that.

    Anonymous 2/5/12 4:59AM
  • Unpleasent experience with supervisor was not interested in what I had to say all she wanted to do is prove her point,I was missinformed by a rep couple hours before I called back this second time,first rep said that my cashiers check was not going to have hold and would be available tomorrow, I proceed to car dealership to process paper work and call to see if they realese some funds for deposit to hold my car, I find out NO your not getting any funds for two weeks and no apologies for wrong info,I say but its a cashiers check I get interrupted rep with "would you let me finish" no type of consideration of my inconvinience.

    smhboa 2/4/12 4:11PM
  • BOA has treated me horribly. Been customer for many years, have loan and had credit card with BOA. Soon as I fell behind 2 payments on loan, after always on time and never missing for 5 yrs, they were threatening with repo, and cut my credit down to nothing after I used card to make 2 payments. I almost never used credit card.2 yrs ago I had 15,000 on card, then they reduced it to 5000, now it's 48.00? I never missed any payments, always on time for 5 yrs. My Social Security direct deposit will no longer be going to BOA. Be damned if I'll have my money in their hands. They don't care enough to try to work with people, who have been good customers for many years. One or two missed payments, and they take all my credit away.It's clear why so many of their branches have closed. Imagine working for that Nazi organization!

    Goes Around 2/4/12 11:19AM
  • Bank Of America? I'm a active duty Marine and this bank just took my last $651 out of my account. The phone agent told me too bad. I made 7 calls to stop payment even half hour after making it. This is what I got shot at for in this country. If you care to look the last 3 of the morgage acct. 474 last name is Ford. 9103884227

    gl ford 2/3/12 12:41PM
  • I have had a simple clerical error with Bank of America. A payment in the amount of $1302 was called into the bank. The operator entered $1032. This error has magnified into a great deal of confusion at the bank.

    One branch wants to foreclose.

    Another branch is stalled in modifying the loan.

    Another branch is stalled trying to sell the loan.

    In the meantime the bank has ceased communicating with me. I can't get through. It is always voice mail and a call is never returned. My last formal communication with the bank was mid November.

    When I started the modification process I was current on my mortgage. Now because of Bank of America's bureaucracy I am seven months behind. The missing payments are from misapplied HAMP payments and other clerical errors. The bank does not recognize the HAMP payments yet it is keeping the money. Why do they want me to fall behind? Do they get paid twice as much then because of Federal guarantees?

    I have been told to reapply, yet nobody has sent me anything.

    As administrator of the law that created HAMP, Bank of America has accepted a fiduciary obligation to fulfill the intent and purpose of the law. A clerical error that the bank refuses to correct is an obvious and blatant violation of the law. It may be apparent that Bank of America is using the money for corporate profits.

    It has also come to my attention that my mortgage may part of an accounting strategy to spread the banks losses over several quarters to manipulate it's obligation to the IRS & investors in the company's stock.

    This I do not understand. I have been given a Advocate, & a Negotiator. My case has been "Escalated" several times. Apparently this means nothing. Nobody has ever called back.

    I do not want to lose my home because everybody is blaming somebody else. I have filed with every Federal and consumer agency. Everybody wants to point the finger at somebody else. I have contacted the 'somebody else's" already.

    Craig Sobolewski

    craig66 2/2/12 6:22PM
  • Tried dealing with B of A today and was transferred several times without any resolution. All they do is apologize and never take any accountability for anything. My mortgage was taken over when they bought out their competition and everything has went down hill since. We will never recommend B of A for anything as they truly have the worst customer service I've ever experienced. Even the most simple things they can not do.

    why bother 2/2/12 1:30PM
  • Hilarious!! Bank of America are the biggest criminals. I just recorded a wicked conversation with one of their mortgage insurance division supervisors. They told me that they are recording my call but can't speak to me if I am recording as well or if I refuse to let them record. I never agreed to that before doing business with them. Good thing I waited until he gave me his entire pathetic explanation of why their policy for check endorsement is not in my contract nor have I ever been notified of it. Plus, I caught him lying l him and then informed him I have been recording the entire time. He was furious and refused to speak to me further and hung up. I see why their stock has tanked and they are closing up branches. I can't wait until they go bankrupt. I think I will file a complaint with the department of insurance and the attorney generals office and sending them a copy of the conversation. Maybe email it to the news media as well! Sell your stock and close your accounts as these crooks are an insult to America!!

    Trickyj 1/31/12 3:50PM
  • My husband and I are in are 60's. Our home didn't originate with Bank of America but was sold to them. We started with a loan modification with them is Sept 2011 and kept getting recordings from them that are modification was 99.9 complete. It is now January 31,2012 and our December payment was processed through the bank and last week we rec'd a check back from them, drawn of Bank of America saying our December payment wasn't for the correct amt and they couldn't accept a partial payment. The only way that we could even make a payment is through Darryl Courson in the mod department and he told me the amt and I gave him our banking routing and checking number and the payment was paid on December 14,2011 only to be returned with their check last week. Guess what, on top of that they increased our payments from $1200.00 to over $1600.00 per month. We are now having to file bankruptcy just to get rid of the home. This bank is destroying our lives and I am completely disabled and can no longer let them keep making me not even want to wake up in the morning. Our house was built in 1964 and we purchased it in 2206 when you couldn't even find a house to rent. It is only about 1300 sq ft, all plumbing has to be redone and gone through the ceiling because it can't be done underground, all of the electical needs to be redone, all outlets are bad now and house is danger of burning down, bedroom floor has cracked all through the foundation. We have holes in walls now where the house flooded a couple of months ago and plumber had to cut holes in walls to get to the plumbing, we had to bag all toilet paper for 3 years because the pipes under the house have collapsed and no paper could be flushed without the entire house flooding. I could go on and on but what's the point. They don't care. We have a $200,000.00 mortgage on it and they won't get $30,000.00 for it. They don't care and now I don't care anymore. Looking forward to knowing in 3 weeks my bankruptcy will rid me of the boa.
    t

    sdn 1/31/12 6:30AM
  • Bank of America sucks big time!!!! Horrible customer service, no one knows anything, they keep transferring you from place to place and long phone waiting.

    UNHAPPY customer!!! 1/30/12 3:33PM
  • Someone keeps calling up to five times a day and says they are with Bank of America. They then ask what my monthly mortgage payment is. When I ask why they don't know what my payment is if they are from Bank of America, they respond that they need to confirm who I am. This is ridiculous if it is a call from B of A. When I ask why they are calling, they will not answer. When I press further, they either hang up or ask the same question again until I hang up. I would like to know if these daily calls are from B of A, but I have no way to find out!!

    CWhit 1/28/12 8:53AM
  • The unnecessary abuse that Bank of America has caused me and my family caused long-term damage. Due to Bank of America's unnecessary threats of foreclosure (we were only behind one month because they asked us to in order to qualify for a loan mod), harassment and fraud, I became extremely stressed and almost suffered a stroke on the phone with them. I was constantly worried that we would lose our home and we would be out in the streets with two autistic children. I have had to deal with their racketeering practices. They have been trying to "steal" my home and trying to destroy my life for over two years. Every day that I wake up, the only thing that comes to my mind are the words "Bank of America". This evil and criminal bank/mortgage company must shut down.

    Isabel1170 1/27/12 9:33PM
  • Unprofessional and rude. I called to escalate a claim that wasn't handled properly to begin with, and as I was explaining my situation and stating the reason for my escalation, the customer service "manager" named Sam, hung up the phone. It wasn't an accident because I have a land line. This is the straw the broke the camel's back - I will be changing banks now.

    lukky 1/27/12 10:51AM
  • Bank of America is about as bad as it gets. They make it very clear that they do not care about their customers.
    The e-banking checking account they offer is a classic example. If you need to speak to a teller for any emergency, $8.95; need to write a check for some reason, $8.95; need a paper statement, $8.95.
    How impersonal can Bank of America get? Plus all their fees they charge for any little thing. Bank of America has a bad reputation and it is substantiated by the AP.
    They are the WORST bank ever. Please, for your own good, go to a local bank or credit union. It will help you and at least you get to speak to a human being!

    anonymous 1/26/12 1:58PM
  • BOA is a joke, they keep on losing documents. I even caught one representative on a lie, and after that the phone went silent and she hanged up. Be careful, when dealing with BOA. Their crooks, and 100% the devil! Don't trust them when it comes to your home. Dont bank with them!!!!

    Seattle 1/26/12 12:09PM
  • Bank of America made promises it didnt keep. When a modification was complete my payment amt went up. we sold on a Hoffa short sale and was promised $3,000 to relocate and AFTER the sale they said no, I wasn't getting anything! They are liars and anybody who would do business with them should BEWARE!

    bb 1/26/12 9:06AM
  • After years of having a safety deposit box with BofA,
    I was informed that they have drilled out our box and
    sent the contents to SCar. We added our grown child
    to the account, which required two IDs on her part. She was asked to update after moving; however BofA
    indicated we still had access to our account. After
    several months of ignorant bliss, we received a phone call AFTER they drilled the box. Our rental agreement became
    null and void when they drilled out the box, hence
    we are not entitled any refund (about 6mo). We will be
    able to retrieve our contents after providing the "proper"
    ID of our daughter. This proper ID (which now have)
    would have sufficed to for the update but was not told until now. Obvious action: Move to another bank. CAVEAT EMPTOR

    bobm 1/25/12 10:26AM
  • I have tried several times to talk to a real person and cant. I have asked for an address change for two years and statement still gets sent to the old one, that is when it gets sent. I have tried to get my year end tax forms and I keep getting the run around. Tried for hours to get them online and cant find them.

    Anonymous 1/23/12 11:48PM
  • Bank of America Home Modification joke, I tried for a year to get a home loan mod. they trashed my credit by telling me to fall behind in my payments then wanted to foreclose on me, they decided to modify now my payment is more then I started out owing, hahaha Bank of America, I call them crooks.

    vaughaj 1/23/12 6:46PM
  • Called in Dec. to close a Hawaiian airlines acct. Was told I would be for the yearly fee. In Jan. I get a bill for said account. In the meantime I'm wondering why I'm being declined on my Alaska Airlines acct. only to find out they closed the wrong one. The first person I spoke with was very appologetic and offered once again to credit the Hawaiian acct. However, my husband would have to initiate "reopening" the acct. My husband called and was told since "we" closed the acct we would have to provide income information etc. This time the person helping us was very rude. We tried to explain that the bank had made a mistake and cancelled the wrong acct. She could have cared less. After we were reinstated she said we would have a limit that was 1/3 what we've had for over ten years. At that point I bellowed that was unacceptable and she asked that we not badger her. Hmm, I asked who has been badgered here. The bank made the mistake. After 40 minutes our original limit was reinstated. Not once was an apology offered and I was actually expecting to hear from the bank to ask about our experience. They apparently could care less. We'll be looking for another "travel" card. How arrogant considering what a mess the BofA is in.

    Not amused 1/23/12 5:19PM
  • Bank of america has the worst customer service and wait time for a supevisor for their poor customer service suborniates.

    BOA sucks 1/23/12 3:22PM
  • Have been transfered 5 times still can't get to the right department. So I asked for a supervisor, been on hold about 15mins Chris comes back on the line to say there's not one available. Still on hold 20mins.....Chris came back said he would fax the information I needed in 5 to 10 mins, still waiting....He sent the wrong DOC....

    Anonymous 1/18/12 8:35AM
  • The WORST. I asked to close a secondary checking account. The representative closed my primary checking account over the Holidays.Numerous automatic bill pays including the house payment were scheduled to come out but was told they could not take care of it until after the holidays. Reopened the old one after the holidays and was told everything was taken care of. Now getting numerous notices in the mail with fines and many hours of calls later the total thing is a fiasco including the fact that no one can help. Do not do business with Bank of America if you expect customer service!

    Inrid 1/17/12 3:24PM
  • This is ridiculous. The teller makes a mistakes and withdraws an extra $3,000 from our account. I call the branch to resolve the issue. They finally pick up and get transferred to the customer care center. Then they tell me to call back the branch since their system is down. I call the branch and they tell me that their system is down too. So to resolve the issue, I ask the branch manager to go through the checks to find it. Oh we can't do it. Excuse me? You were able to take extra money out but can't look for the check because you are too lazy to go find it? You would think that if they made a mistake they will try to fix the problem asap. The scary thing is, maybe it happens enough that it's not a big deal to them...

    ridiculous 1/17/12 3:07PM
  • I have been trying to get insurance checks endorsed by BoA but have been told different story- depending on day and who you talk to on the response. Each time, there is a different requirement that is ever changing. Even with going into a local branch there is no real help; and the local banker called to say he's tired of assisting and is just going to have me call the Property Claims department and 'hash out' on my own. Do NOT look to EVERY get a home loan through BoA... they are the WORST lender and they do NOT work with their clients!

    frustrated 1/17/12 11:54AM
  • I have been trying for days to get through to customer service and have been repeatedly told by a machine "I'm sorry, we are experiencing technical difficulty, unfortunately I can't transfer you to a representative. You are going to have to try your call later...GOOD BYE". This is ridiculous and not a way to do business! Your site says you can be reached 24/7, not 0/0. This is by far the worst customer service I have EVER experienced!

    Anonymous 1/16/12 8:14AM
  • I closed my checking and Visa account in November. In December I got a statement saying I owed $15 for "returned check fee" which was for the money they'd deducted from my checking account when I closed it for the Visa bill. There was no "check." I also now had one cent in interest in my closed account. I went to the local branch and they said they straightened it all out. One month later--the same $15 charge. A phone call this time supposedly fixed it. Then I got a charge for $11.99 for a "account maintenance fee" of $12.00 minus the penny in the account. When I called, supposedly the $15 charge was also still there. Also, when I called the 1-800 number with that bill the guy asked for my wife's social security number. I had to ask her and then the guy said since I had asked someone it was "a wrong answer" and he could no longer talk to him.

    I now know exactly why I closed the account with BoA.

    oly 1/14/12 8:09PM
  • Once I started drawing unemployment, Bank of America transferred my mortgage to M&T Bank. The exact sames thing happened to my neighbor down the street.


    Had they not done this I would have been eligible through the keep your home california program.

    I have banked with BofA for over 20 years now.

    B of A is not onl dishonest but they actively work to hurt the interests of those that have supporteed them all these years.



    Th

    frustrated 1/13/12 12:05AM
  • cking over drawen by $3.84 charged $70 in fees

    Anonymous 1/11/12 4:31PM
  • I am on my way to my BoA yet again over a check that I stopped payment on, and they proceeded to cash anyway. So far I have had absolutely no resolution from a staff that frankly doesnt seem to care one jot about their customers.
    I am today taking them a written demand for the funds to be restored to my account within 72 hours, but I do not expect them to be any more helpful than they have been. It is good to have the CEO's number as I have little doubt I will soon be forced to use it.

    Jaffy61 1/10/12 12:20PM
  • My name is Joy Anderson and unfortunately my home loan was bought by Bank of America in 2009, from my original lender. I have NEVER
    liked B Of A in any way, shape or form, and given a choice, I would never pursue any kind of business relationship with your bank!

    On Saturday, October 29, 2011, I mailed my November 2011 mortgage payment from Flagstaff, AZ., where I was visiting a friend at the time. My mortgage payment is due on the first of the month, and my account number is 205143085. My payment is considered "late" if it is received after the 15th of the month, and your bank charges a "late fee". During the first week in "December", I received a letter from your bank informing me that you had NOT received my November 2011 mortgage payment yet! I couldn't believe it! In all the years that I have owned a home and made mortgage payments,
    I have NEVER been LATE with a payment! What really infuriates me is the fact that your bank waited a whole month later to notify me that you had not received my November 2011 payment yet! My payment was LOST IN THE MAIL.
    I have the carbon copy of the check I wrote and my checkbook ledger where I made the entry when I wrote the check! Subsequently, as soon as I realized what had happened to my November 2011 payment, I mailed your bank
    another check. You can verify all this information by accessing my home loan account
    #205143085. Your bank didn't have the decency to call and tell me that you had not received my November 2011 payment.....instead
    you turned my account over to a DEBT COLLECTOR! You call this Customer Service??
    I have allways firmly believed that BANKS are NOT your friends, and your bank just re-confirmed that for me again! Now, my "late" payment is going to reflect negatively on my credit rating, too, thanks to you @$%&*#%*!! I have allways had an "excellent" credit rating....this too, you can verify! Words cannot express the contempt I have for Bank of America!

    Joypony@aol.com 1/8/12 8:22PM
  • bank of america is leading the way with bad loans and the goverment has bailed them out with money to give tenants to move out or be forced out, dont let bank of america get away with this pull your money out move it send a message america wont tolirate this kind of business.

    coolmetoo 1/5/12 4:42PM
  • I tried to contact bank through 18004231000, kept getting a busy signal. Called my local Abbeville branch. They were not very helpful so I went to the branch. Spoke with Patrice Watts, manager. From the moment I entered I knew I was not a valued customer. I explained my simple problems. Ms. Watts was not cordial or helpful. I never felt so helpless in a situation where I came for help. So I left the office very unsatisfied with the experience. I am contemplating closing my accounts there.

    fragileheart 1/5/12 2:27PM
  • After 10 years with Bank of America credit card they decided to all of the sudden close my account and kept my 19,910 reward points. They said since my account was closed that I lost my points. I pay my bills every month and they had no reason to do this. I will never do business with Bank of America ever again. Their customer service department did not care, but read from a script and sounded like a robot. Don't ever do any kind of business with Bank of America!!!!!!

    boasucks2009292 1/5/12 1:23PM
  • called at 12:15 directed to dept, they hung up as soon as I reached them..3 times it is now 12:37 and everytime I call the number I am directed to, I cannot be connected, am cut off with a series of 2 beeps and then told to call call again..

    upset 1/5/12 10:41AM
  • After spending over 2 hours with customer service and nobody able to assist me I called the CEO's number listed here. This was absolutely the right way to go and I wish that the rest of the BoA employees were as fabulous as the advocates were. Realize that I am only ranking the CEO office/advocate. The regular customer service and fraud departments were abhorrent to try and deal with.

    ldsant 1/5/12 10:00AM
  • I am mad with Bank of America. In 2004 I paid off my home in full, they sent me a paid in full document, however not the original note. I now find out today they did not file a realese on my home at all, and still have their lien filed. This will be the most expensive mistake they will have ever made, as I am mad as hell. This is simply an outrage and they should not be allowed to do these things.

    Jo 1/5/12 2:48AM
  • This bank sucks. They get our money and keep it as long as they can. Check 21 was to change that. They kept a cashier's check for 14 days and thought I would do nothing about it. They sent a survey. I gave them a low rating and I am moving my money to Wells Fargo as soon as possible.

    lasleep45 1/4/12 3:42PM
  • I'm going to throw up from my experience today of 2.5 hours being transferred, waiting about an hour of the 2.5 hours people not understanding me, disconnecting me,

    BOASucksars 1/3/12 2:33PM
  • very difficult to get a live person! I am simply trying to find out if my local branch will be open on Jan 2. This information should have been easily accessible, but instead I had to spend 20 minutes fighting the voicemail.

    Anonymous 12/28/11 8:04AM
  • My husband went to Afghanistan for a 6 month tour during which time I received a reduction in our payments due to the Service Member Civil Relief Act. All of our interest rates were to drop to 6% on all of our bills for the entire deployment and up to 1 year from the date of return. I submitted the appropriate documentation and waited for BOA to respond. When it was time to make a payment, I called them because I still hadn't received how much I was supposed to pay for the adjusted amount. They had no clue. I then received a series of letters informing me that I was supposed to pay more than we did before he left! I asked how that could be possible. They had no idea! They then told me to ignore the amount on the monthly statement and gave me a "ballpark" payment to make. The rep told me that if it was wrong, they couldn't take my house anyway because of the SCRA. Not very comforting!
    This continued for the entire deployment and after he returned, we informed all of our lenders that he was home. For one year, all was well. When April came, we went back to paying our normal amount.

    About 4 months ago, we received a notice that we did not notify BOA that my husband had returned and that we have been benefiting from SCRA inappropriately. We haven't and we have proof that we have made the correct payment every month. When I called, they said 'no no, our mistake! We sent you that letter on accident, your account is current. We have no clue why you received it' I tossed the letter (so wished I would have kept it!)

    In October, we received a letter informing us that we were being assigned a Foreclosure Account Manager and that our account was in the first steps of foreclosure. My husband and I both called and they assured us that it was a mistake and that our account is current. They claimed to have no record of the letter being sent and again have no clue why it was sent to us. What is the deal here people??? Are was so used to sending out foreclosure letters that we feel the need to send them to random clients?

    In late November, we received 2 identical letters, one for me and one for my husband. These claim that our "request for a Credit Reporting adjustment" has been completed on 11/22/11 and that we can now check with the 3 credit agencies to see the "adjustment". We NEVER called them on 11/22/11 and we never asked for a credit adjustment. AGAIN, they have no idea why we got these letters. The guy said that he has no record of these letters being sent and sees that we never asked for any sort of review!

    Finally, on December 14th, I received a letter letting me know that "They had reviewed our account and were informing us that our payment had been reduced to 1968.29 per month in compliance with SCRA" THEY THINK MY HUSBAND IS IN AFGHANISTAN AGAIN!!!!! I don't know how this is even possible given the fact that my husband is currently snoozing on my couch right now! How they were able to generate this letter without proper documentation (such as military orders) is beyond me!

    What is scary about all of this is that the mistakes are potentially damaging to us either with our credit or with our ability to refinance soon! How they get away with this is really amazing!

    KJFrank 12/26/11 11:43PM
  • I am now ready to cancel my visa credit card.
    Each time I want to get my "power rewards" I have to spend hours to no avail either on line or by phone.
    I believe they have made it so hard so no one can claim
    their rewards.
    Shame on you for deceiving your customers, Bank of America!

    marlene 12/22/11 9:41PM
  • I have 4 mortgages with BOA and have been generally satisfied with the services until the last few months. The mortgage that I am having difficulty with at this time, that is still not resolved, is #. A few months ago, I received a letter indicating that I needed windstorm insurance. I have insurance with USAA on all of my properties so I didn’t think anything of the letter. I received another letter, and then contacted USAA regarding the letter and my policy. I then contacted BOA and requested “proof” that I am required to have “windstorm” insurance as I have had this mortgage for over five years and have never had to have “windstorm” insurance before now. I did receive a copy of a mortgage document that states I should have insurance against “perilous” however it did NOT specifically say that I had to have “windstorm”. After talking with my insurance agent again and getting estimates, I did obtain a “windstorm” policy. However, in the meantime BOA decided to purchase one for me (I did not authorize this purchase) and “backdate” it to the date that BOA discovered that they made an error and decided that I need windstorm insurance (8/29/11). The policy was not purchased until 11/4/11. My USAA policy went into effect on 11/15/11. I contacted BOA when I received a letter indicating that my escrow went up $13,840.20. They did contact USAA to “verify” that I have insurance and then cancelled the policy; however, I was only refunded $10,920.48 to my escrow account. The rationale I received is that they backdated the policy and that I am required to pay from the date the policy was backdated to begin. My issue is that BOA decided to backdate the policy that they purchased. I can understand beginning a policy on the date you purchase it and being required to pay for the date of purchase to the date it was cancelled; however, I can not understand and do NOT agree that it is ethical, moral, or legal to backdate it to the date BOA discovered and decided that I am required to have the insurance. I have contacted multiple representatives only to receive terrible customer service, a Carlos and Mr. Jackson refused to transfer me to someone in the BOA insurance department. I did speak to Gloria and then her “supervisor” Debbie, who advised me she would “research” the issue and call me back today and that hasn’t happened. I totally appalled at BOA and if they do NOT correct this issue and refund the remainder of the money, I will be transferring ALL of my mortgages to another lender. I have NEVER been late on a payment beyond the grace period the entire time that I have had loans with BOA and I am sure that USAA would be happy to finance my loans. I am seeking assistance and I would like a resolution to this issue.
    12/21/11: Evonne contacted me today to advise me that Lender Services refused to remediate or correct the situation. She states that they advised her they can backdate the policy 90 days from the date the “issue is discovered” which would actually be 90 days prior to July 28th because that is the date that the “audit” was conducted but they opted to “start the policy on 8/29/11, the date of my Homeowners insurance renewal date. “
    I contacted USAA (who holds all of my homeowner policies, 5 of them) and they said that it is not insurance standard practice to backdate insurance policies of any type and they would NOT be able to provide any insurance backdated prior to the date the insurance policy is paid, in which case it begins at 1201am of the following date.
    I also contacted Geico (who holds all my car insurance, 5 of them) and ask for them to give me a homeowners wind insurance policy quote and ask them if they could backdate it. they said that it is not insurance standard practice to backdate insurance policies of any type and they would NOT be able to provide any insurance backdated prior to the date the insurance policy is paid, in which case it begins at 1201am of the following date.



    12/12/11: Sent to BOA online customer service:
    I attempted to send this via email and it was returned.
    Mr. Dean Athanasia, I am pleased that you recognize me as one of your valued clients. I currently have 4 mortgages with BOA of ~ 1 million that I have never made a late payment beyond the grace period. I also hold bank accounts, savings accounts, and credit cards. My husband also hold accounts with you, as do my children. I will be visiting one of your banking locations in Pearland tomorrow to resolve an issue (a forced wind insurance policy) that has yet to be resolved that I have been dealing with since 9/12/2011. I have spent more than 15 hours in phone conversations with various representatives, most of which were rude and unhelpful. I finally actually spoke with one who "had a brain" several days ago, Evonne, who was helpful to the best of her ability and advised that the situation was out of her control and in the hands of Lender Services. She contacted me today to inform me that she was very apologetic and understood my issue but Lender Services refused to correct and remediate the situation. As I mentioned, I will be at one of the Pearland, TX banking locations tomorrow to resolve this situation. If it is not resolved, I will plan to picket your banking location(s) on Friday to express my distaste and disatisfaction with the services I have received and the "fraud" that BOA has commited. I have attached a copy of a recent survey that I submitted, which I have not received a response. I have two additional surveys in my in box which I plan to respond similarly. I have also attached an article and a link that I will use to reinforce and support my issue with your banking services personnel. I will also provide this to the media if it is necessary for me to picket your banking locations. Once again, I appreciate your recognizing that I a "valued and preferred banking client." My concern is that you may want to let your banking staff know that I am a "valued and preferred banking client" and assist me in resolving this situation. I am available by cell phone, if you have any questions or wish to discuss this further.
    the survey info:
    I have 4 mortgages with BOA and have been generally satisfied with the services until the last few months. The mortgage that I am having difficulty with at this time, that is still not resolved, is #872674577. A few months ago, I received a letter indicating that I needed windstorm insurance. I have insurance with USAA on all of my properties so I didn’t think anything of the letter. I received another letter, and then contacted USAA regarding the letter and my policy. I then contacted BOA and requested “proof” that I am required to have “windstorm” insurance as I have had this mortgage for over five years and have never had to have “windstorm” insurance before now. I did receive a copy of a mortgage document that states I should have insurance against “perilous” however it did NOT specifically say that I had to have “windstorm”. After talking with my insurance agent again and getting estimates, I did obtain a “windstorm” policy. However, in the meantime BOA decided to purchase one for me (I did not authorize this purchase) and “backdate” it to the date that BOA discovered that they made an error and decided that I need windstorm insurance (8/29/11). The policy was not purchased until 11/4/11. My USAA policy went into effect on 11/15/11. I contacted BOA when I received a letter indicating that my escrow went up $13,840.20. They did contact USAA to “verify” that I have insurance and then cancelled the policy; however, I was only refunded $10,920.48 to my escrow account. The rationale I received is that they backdated the policy and that I am required to pay from the date the policy was backdated to begin. My issue is that BOA decided to backdate the policy that they purchased. I can understand beginning a policy on the date you purchase it and being required to pay for the date of purchase to the date it was cancelled; however, I can not understand and do NOT agree that it is ethical, moral, or legal to backdate it to the date BOA discovered and decided that I am required to have the insurance. I have contacted multiple representatives only to receive terrible customer service, a Carlos and Mr. Jackson refused to transfer me to someone in the BOA insurance department. I did speak to Gloria and then her “supervisor” Debbie, who advised me she would “research” the issue and call me back today and that hasn’t happened. I totally appalled at BOA and if they do NOT correct this issue and refund the remainder of the money, I will be transferring ALL of my mortgages to another lender. I have NEVER been late on a payment beyond the grace period the entire time that I have had loans with BOA and I am sure that USAA would be happy to finance my loans. I am seeking assistance and I would like a resolution to this issue.
    12/21/11: Evonne contacted me today to advise me that Lender Services refused to remediate or correct the situation. She states that they advised her they can backdate the policy 90 days from the date the “issue is discovered” which would actually be 90 days prior to July 28th because that is the date that the “audit” was conducted but they opted to “start the policy on 8/29/11, the date of my Homeowners insurance renewal date. “
    I contacted USAA (who holds all of my homeowner policies, 5 of them) and they said that it is not insurance standard practice to backdate insurance policies of any type and they would NOT be able to provide any insurance backdated prior to the date the insurance policy is paid, in which case it begins at 1201am of the following date.
    I also contacted Geico (who holds all my car insurance, 5 of them) and ask for them to give me a homeowners wind insurance policy quote and ask them if they could backdate it. they said that it is not insurance standard practice to backdate insurance policies of any type and they would NOT be able to provide any insurance backdated prior to the date the insurance policy is paid, in which case it begins at 1201am of the following date.
    the websites: http://baronandbudd.com/legal_services/home_insurance_fraud
    http://wiki.answers.com/Q/Can_an_insurance_company?back_date_a_home_owners_policy
    http://www.americanbanker.com/issues/175_216/ties-to-insurers-servicers-in-trouble-1028474-1.html

    donnakay0812 12/21/11 10:07PM
  • BOA needs to burn in hell! I went through NACA (a community org.) to help me get a mortgage modification, which they were able to do even though I had spent a year trying to do it myself with the bank. Afterward, I would get an e-mail every two to three months from NACA saying that BOA was reporting me as late on my payments. I would fax in the copies of the money orders and they would go away for a couple of months. Then it would start all over again. This went on for over a year! Finally, I got a notice from the investment company saying I was 7 months behind and they were going to foreclose. I sent in copies of all my payments for the past year to my attorney and the investment co. That was in October-November of 2010. Finally, I couldn't take the harrassment anymore. I was suicidal having to deal with these idiots on a daily basis. I walked away from my home and moved into a rental at the end of 2010. In March, 2011, I got a letter from the investment company basically saying "our bad" and dismissing the motion to foreclose. I wrote BOA in March 2010 and told them that if they wanted the house that bad, take it, choke on it. Here it is December 2011, one year after I have moved and I just got a notice that BOA paid the personal property taxes! No statements with past amounts due, no letters warning of foreclosure, no nothing. They harrassed me out of my home, sending e-mails constantly, giving false information to the investment company and now, all of a sudden they don't want the house! Unbelievable! Everyone at BOA needs to be harrassed the way they harrass us every day. Everyone at BOA needs to be as depressed as they make us every day. Everyone at BOA needs to be in jail!

    irish lady 12/21/11 10:54AM
  • I have a Mortagage with BofA and I was ahead of my payments by 1 month when I got a letter from them stating that I owed them 211.00 Late payment for my house. I called them and she must have not liked my attitude because after the phone call they removed and Stole 1000.00 Dollars from my payment account which made me Late instead of ahead!!! I called a million times only to get a run around and the Shaft.... this is after talking to the payment research department and them telling me I am RIGHT and that I was never Late and the Bank is Wrong... Bank of America SUCKS in their mortagage department.. They could Not tell me why or Who can Steal Money From a Customer that has never been late with NO Body Accountable!!! No Body Cares and This right before Christmas!!! Who can come up with 2 House payment right before Christmas... So Now with NO RECOURSE I am left with writting BLOGS About them and I now need to come up with an extra 1000.00 to get current on a Fixed income and being Disabed!!! Bank America or should I say Big Brother SUCKS THE BIG ONE... No one should have this kind of power with No recourse... I could hire a lawyer but they cost 2000.00 bucks I will just pay the 1000.00 and Blog, Thanks for reading this!!

    coolman3 12/21/11 9:34AM
  • I have a mortage with the bank and my payment have been missed applied and not credited to my account after showing (2) copies of cashed checks and the comments that was given back with not applicable to me and have all documents give with a clear understand. Very bad customer service with BANK OF AMERICAN, I am seeking an attorney to resolve this matter.

    Anonymous 12/19/11 3:09PM
  • Like Stubby, we were in the short sell process with BOA - for FOUR MONTHS. They kept asking for the same forms over and over. We kept submitting them, over and over. There was an offer made on our home the day we entered the short sell process (4 months ago) IT was for $165K. We owe $171K.
    Finally, after FOUR months, we get an email today from BOA with a counter offer - they'll accept the $165K BUT we have to come up with $5K and sign a promisary note for another $10K. HUH???
    DO they NOT know what a short sell is? We proved our hardship via many documents.
    This entire process has been a huge waste thanks to BOA.
    Good luck selling our home in foreclosure-ville BOA!

    drew 12/19/11 2:50PM
  • Though we have been with Bank of America for 10+ years, our experience refinancing our boat has been the straw that broke our back. Got the job done, but only stayed with them because the paper work was such a pain, and didn't want to redo somewhere else. But it has convinced us to take our accounts elsewhere. How I miss the small banks where you were human.

    fmason 12/17/11 1:43PM
  • My mother passed away in July this year and left an IRA to me. I closed the IRA the day after it was due for renewal in early October expecting a check in two weeks (the BoA bank associate said the IRA department was behind but assured me it would be about 10 days) Since that time BoA (who never followed up with me, I always contacted them)came up with all kinds of excused as to why the funds were not distributed; i.e. I wasn't named as beneficiary (I have signed documents from Nations, when my mother set it up but not accepted by the IRA department at BoA); they wanted proof that I was the exector or administrator or beneficiary of her estate (all of which have been provided). Two days ago, I received a response to my call from the local branch saying that the information was in process but it would take 20 more days. Surley there is a legal time limit an institution can hold on to your money. They have been getting interest off the IRA but I won't receive anything as the withdrawal is on "hold". I just can't believe there is such a disconnect between departments and such a flagarant disregard for their customer's rights.

    Anonymous 12/16/11 5:55PM
  • I have done busines with Bank of America since 1996. I have several accounts with them savings, check, investment, 2 credit cards, etc.
    My B of A credit card account -7739 has had an $8,000 limit for quite some time, my credit is good (652), and I have never been late for any payments and I pay double the minimum.
    Yesterday, 12-15-2011, I was buying christmas presents when I was declined. I found out that B of A reduced my credit line to $200 over my balance, 10 days before Christmas. I called B of A credit deptment, david wright, and was told there was nothing he would do for me... I was SOL! They reduced my credit due high balances some other cards (it's the freakin holiday!!!) I was not able to buy Christmas presents and I had to cancel my plans to travel home for Christmas. Thank you Bank of America for stabbing me in the back for Christmas!!!

    christov01 12/16/11 4:22PM
  • Talking to a customer service rep(Charice) at Bank of America about a dispute on an issue that we had thought was resolved. In the middle of the conversation i was disconnected. I proceded to call back and got a message that said we are closed for the evening. No phone call back from the rep neither.

    Stubby 12/15/11 8:23PM
  • My home went into forclosure because Bank of America short sale department took so long to approve the documents. They would ask for one document at a time, just waiting for the buyer 'f offer to expire. Not only did it ruin my credit rating, they lost over $177,000 on the offer. What is wrong with this picture?

    No name 12/15/11 2:23PM
  • bank of america need to go we dont need crocked people ripping off customers write your congressmen senitors and the president tell him to remove b of a now

    Anonymous 12/15/11 1:18PM
  • I was a business customer of this horrible institution since 2004. They found ways to screw with my account that I could not believe. Penalties of every shape and kind, an overdraft that one day just dissappeared and could not be explained. I stuck with them though the recession which only increased their greed and made obscene profits while they mistreated their customers. I urge you to pull your checking and savings and investments out of this terrible company that grandly contributed to the recession (which we are still in) and to the loss of homes of thier customers. They should be in federal prison but these bums are protected by the equally dishonest government.Put your money in a credit union or a tin can. Close your credit card with them as their interest rates are obscene!

    drmikebaer 12/14/11 11:12AM
  • Initiated a refi about four and half months ago. Along the way i kept vigilant over the interest rate so as to assure i was getting the best possible rate. The original on the refi was 4.675% i noticed about 45 days after the initial refi that the rate had dropped down to 4.00. When i asked the lender if we could renegotiate the loan he simply stated "so if the rate goes above what you're locked in at the moment can i raise the rate on you're refi?, no". Okay fine i said i kept looking out for the rates in weeks to follow, and during this time i was being asked to submit paperwork i had already submitted. At the end of October inoticed rates had gone down to 3.98% i approached my lender and he said i'd have to start the process all over again for a reduction in rate. In response to that stonewall i spent about two weeks stewing. In the first week of November i took my rant to another branch. Lo and behold i was told I shouldve never had a problen renegotiating a lower rate. With all my paperwork in hand to submit we opened a new refi and requested to close the initial loan. The only caveat was that we had to close by the 12th of December for the sake of the appraisal not expiring. I felt with the new lenders assurance and my readiness-all paperwork on hand was current- we wouldnt have a problem. One week passes, nothing. Two weeks passes zip. Thanksgiving week im told the follwing week we should be closing by Friday. That week rolls around and no word. I call all the contacts and i get next to no response. Finally i get a call and am told that the processor is really swamped down with paperwork and to be patient. Then i was told that we definitely should be done by the midweek or around the 7th of December. When that week begins they start asking me for paperwork. I advised thte lender rep that i already had turned the paperwork in back when we started the refi. He said they never received them. Basically i had to send in half of the paperwork again. I wasnt gonna argue time was running out. Friday was the day to sign. OOOPS, the processor didnt process my paperwork. No problem i was told. Monday we will be done. They set up a notary appt. at 1pm Monday the last day for my appraisal. One oclock rolls around, NOTHING. I called too many times that hour left messages, NOTHING. Finally an hour later im called by the rep saying "wow i just found out what was going on, the computers went down and your paperwork was never sent out. Ill call you back to let you know whats gonna happen." Calls me back at 630 telling me we will just have to do the apprasial again.... Has anybody been following the housing market lately?

    Bamboozled 12/13/11 10:53AM
  • Bank of America -rant of the day: So, I thought I might be gettin a direct deposit into a closed savings account. I did, and for alot of money btw. I call bofA, and the first lady says,"the money will transfer automatically to your checking". Ok, right. It didn't. The second lady says, "I can't transfer this because your account is closed, so the money goes back to the sender. I truly apologize for the mis-information". Oh, now I'm pissed. The third lady says, "let me transfer you to the department that can help you, they can transfer the funds to your checking right away". Does anyone see a problem here, or is it just me?

    koolriderz 12/13/11 8:47AM
  • Nightmare. That one word sums it up. Applied for a mortgage two months ago(NY). No problem with credit, no problem with debt to income ratio and I'm putting dowm more than 40%. Yet, my loan application has still not be processed.

    Their system is idiotic. MLO at the local branch will do basically anything to get you in the door including fudging numbers and by telling you false information. For my case, my MLO quit after one week of my application, stranding me with false information.

    "Loan Specialist" are based in NY, but their underwriters are in Floria and they don't disclose contact info for the underwriters. So their specialist are the only contact for the loan application and they have a bad bahit of losing documents even though they are just there to forward documents to the underwriters. They never call back when you leave voicemails, because they want to leave a "paper trail". But all their emails will come at 6PM.

    I selected BOA because they are one of the largest and they did provide the lowest rates. But that doesn't matter when the loans are not processed.

    To sum it up,

    Pros - None. Very competitive rate would have been a "Pro" but useless when they don't process the loan

    Cons -
    1. Their customer services is non-existant
    2. They lack the proper knowledge for products.
    3. They never accept responisibilty for their errors.
    4. All their employees are not on the same page.

    Regrets over BOA 12/12/11 1:49PM
  • My equity line is being discontinued by BOA without cause - I can't understand the letter - it surely isnt because of my credit/I have one of the highest scores/ it isn't because of lack of payment/I pay on time plus 40 to 60% extra on the minimum payment - if it's home value I compare what I owe which is under $128,000 to the last assessment of $242,000 and I'm not worth the $10,000 left on my equity line??? I try to be loyal to companies and I've treated them well - they don't have to chase me for money - and now they are crapping on me for no "good" reason at all -

    FRUSTRATEDINVIRGINIA 12/12/11 11:48AM
  • The assistance you get from the CEO's office is useless.

    Bank of America is totally helpless when it comes to solving complex issues for consumers because there seems to be a very strict policy against putting consumers through to those in management who can resolve things.

    There are two options if you want to reach management:

    You can file a law suit which will force them to the table and disengage the hamster wheel they have put you on.

    Or you can buy a share in BAC and go to the annual stockholder meeting and ask the question from the managers present.

    nlyngso 12/11/11 10:38AM
  • Over a month ago I was pre-approved for a mortgage with BofA. Shortly after my wife and I found a house in the Villages, FL and started the mortgage process. The way it works with the Villages is the houses are typically finished so when one becomes available that you want there's a 30-day closing schedule. At first everything seemed to go on schedule, I had already scanned most of the needed documents. My turn around time was hours not days. I emailed most of the documents the day before Thanksgiving and didn't hear from them for over a week, I emailed them and asked if anything else was needed, they had a list of 6 items, which I supplied very quickly. I kept after them to get going on getting final approval because the closing was scheduled for December 8th. They told me I had all the approvals and were waiting foe one item to get cleared. There is a restriction on the community because it is for people over 55. I pushed to get this cleared and they told me it would take 5 days so I knew I was in with penalties with the seller because I missed the deadline. I got a call on the day the closing was due that my "pre-approved" loan was being denied because is was to be our second home, not occupied as a primary home and it had the over 55 restriction. BofA mortgage processors suck, it was very clear in the beginning what the mortgage was for. My credit score is 825 have plenty of assets, much more than this $200,000 mortgage and my wife and I have about $180,000 in income through pensions and investments. I'd say it was a very safe bet.

    TomC 12/9/11 2:20PM
  • I started with Bank of America as a child and kept their services until just after college. I was unhappy with their many fees, but as I always had a steady job, I didn't have too much trouble with this. Besides, I just thought many fees were the norm. However after learning of their many illegal actions and the many cases both private citizens and the US government held against them, and frustrated with the proposed $5 debit card fee, I closed my account and went to a local credit union. After I had closed my account, I had some difficulty because a paycheck was direct deposited to my old, closed account. When I called Bank of America about this, they told me the funds had not been deposited and that they could not hold them for me when they were received. Instead the funds would be sent back to my employer. Working with my HR department, I found out that the funds had actually been deposited and that the customer service representative had simply not taken the time to look it up and lied to me about it. When I called them again, they were unapologetic, refused to help me, would not send the funds to my new account, and were in general rude and unhelpful.

    This was not the first time a Bank of America employee gave me false information. I was assured by the branch manager that foreign currency exchange services were offered during one visit to a BoA branch. A few days later I went backt to the same branch at the same time and spoke with the same person to deposit about $20 in Euros into my account. On this instance though, I was informed that only paper foreign currency was accepted (despite the fact that 1 Euro and 2 Euro are only offered in coin form), and only at certain times during the day. Thus, they were completely unable to help me with this service. I would have liked to have been informed of that before I dragged that heavy sack of coins around with me all day.



    In short, most of my experience with Bank of America was a case of trusting ignorance. When I learned the truth about their illegal practices and went with a new bank, they were unhelpful and rude to me during the transition.

    UnhappyBOA 12/7/11 12:51PM
  • The loan process is currently the worst I have every seen. There are too many people involved in the processing of the mortgage loans. There were four different processors from the beginning of submitting our contract to the end. It took three weeks before an appraisal was ordered. The condition request was absolutely ridiculous, another three weeks and once we had the absolute final approval. This is the approval from their auditors, it took another week before the title company could even get figures to work up a HUD 1. I will never seen another loan to Bank of America. Warning before allowing Bank of America to work on any mortgage loan for purchase. They USED to be the best, but things are so bad now it is not worth the headache.

    Bank of America's mortgage loan 12/7/11 10:13AM
  • Like previous posts B of A sent us notification yesterday that our mortgage payment is being increased by $1300 a month to cover insurance and taxes on the property despite the fact we pay those separately. We only have a few years left on the mortgage and now we are going to lose it all because of B of A. Customer service does nothing!

    mychel 12/7/11 9:54AM
  • I have dealt with boa's worse than terrible service for months. Initially I contacted boa regarding a modification. Their holding message indicates that boa cares about their customers and saving their homes. I sent all the required paperwork repeatedly. After months of calling and speaking with entry level operators, requesting to speak with their managers, I was repeatedly told my account was "in review". Facing foreclosure, with sale dates, I ultimately was able to save my home, with NO help from them. Today, I noticed my monthly payment had increased. I was being charged by boa for insurance even though I have been paying it myself for years. Reluctantly, I called boa. Again, I spoke to entry level operators, and even a manager only to be told I could not speak to the insurance department because I "did not have a legitimate reason to be transferred there." My specific words at that point were "I am a customer who has an insurance question and would like to be transferred or have a number for that department" and was promptly told "no." I asked to speak to his manager but was told "she isn't here and I don't know when she will be back." Even though I know it will be a long time, I pray for the day I am free of them.

    atschos 12/6/11 3:25PM
  • Bank of America... had my house appraised for an equity loan. The appraisel cam in 30,000 less than a seperate appraisel 3 weeks earlier??? I questioned this and requested the appraisel on Oct 13,2011... it never arrived? I called and put in a 2nd request Nov 21,2011 and it still has not arrived? so I called today and the representive stated it would be in my hands in 5 days! lets see if this happens? I willbe applying for a New Home Mortgage through a legitimate Bank LOCALLY!!! I told the represenative I'm contacting the Alabama Attorney Generals office (ASAP)!

    John 12/5/11 12:33PM
  • bank of america the worst bank ever i have a account with them since 2001 and they took 2800 in overdraft fees and now im getting 78 dollars ..they can ...............................................................................ss

    Anonymous 12/4/11 2:10PM
  • My wife ordered a $250 gift card through her Bank of America credit card rewards. When we went to use it the cashier said it was $0. I have been on the phone now with 4 representatives from Bank of America and every single low life just fowarded me to the same customer support line so I would just wait in the queue all over again.

    Even when I asked each rep after the first one to "please not transfer me" they did it anyway without hesitation.

    My wife has paid all of her bills on time and we both have been loyal customers. I am extremely outraged right now with this bank and their awful awful service.

    Anonymous 12/4/11 1:43PM
  • I visited my local (not so friendly) BOA on Friday. I arrived to the bank shortly before 8 at 7:55 am (before work). Went up to the ATM put my card in and...... Nothing. I noticed people were inside so I knocked the door and the bank manager came to the door. I informed hime of the situation with my card, he asked about my I.D. went to the car to get it. I went back to the door. He was not there so I knocked it again. he sprinted across the room asked did I kick the door then stated he would call the police on me and proceeded to do just that. I don't know if he was having a bad day. BUT he sure ruined mine. I didn't get to work unti 9:50 am there were over 5 officers that arrived my child was there, I felt totally humiliated and embarrassed. and I stil don't know why?

    waitwhat 12/4/11 9:14AM
  • Through a series of mistakes by my BOA home loan officer, I will be HOMELESS. I am a nice, charitable, well-educated young woman. I am a doctor. I have excellent credit and a pretty great salary. But, they overlooked one MAJOR detail in how my salary is calculated. I wouldn't qualify for a loan for the next 6 months, but they did not catch this major mistake for the first 2 MONTHS of trying to process my loan.

    I've had to ask my father to co-sign the loan for me. That is rather humiliating, since I'm a grown woman. You'd think these people would do everything to move this along quickly, since the whole reason we were in this mess is from their mistake. I have lost my rental condo because my lease has expired. I cannot just find a new rental apartment, rental house, etc. because I have a very large dog (Great Dane) that nearly no one will allow for a renter.

    So now, I have no home to live in. And using my dad as a co-signer was supposed to fix everything? Now they want to add my deceased grandfather's property to my dad's list of property owned! We've explained a million times that my dad does NOT own this property at all. So, here I am. Homeless for the holidays. Living at a pet friendly hotel with my giant dog. Cursing BOA with all the energy I have left.

    I foolishly assumed that since I had every account with this bank since I was 16, that this would be the smart choice. NEVER USE THIS BANK FOR MORTGAGES. I KNOW THAT HAVING TONS OF LOCATIONS AND A GREAT ONLINE BANKING PROGRAM MAKE THEM APPEALING, BUT THEY ARE A NIGHTMARE TO WORK WITH. THIS HAS BEEN THREE MONTHS OF A LIVING HELL AND I'M GOING TO LOSE THE HOUSE BECAUSE OF THEM. I WILL HAVE THOUSANDS OF DOLLARS OWED TO THIS DUMP OF A HOTEL THAT I WAS LUCKY TO FIND. ABSOLUTELY DISGRACEFUL.

    ANONYMOUS 12/3/11 9:38PM
  • Very disapointed that Bank of America is so heartless and not all that I talked to were rude but several were very rude.

    samandfamily 12/2/11 3:38PM
  • I had a couple of simple banking transactions that they could not handle over the phone. So I go to the branch direct. Simple stuff reduce a over draft protection/line of credit on one checking and increase for another. Same over draft/line of credit amount. They could not help. Called again, finally talked to some english speaking people (ya not PC) and no better. They are so concerned about being polite. "How are you today"," How can I help you", "Thank you" , "glad to speak with you".
    Do you think I want to really want to speak with these people, do I want any small talk, polite talk with them? NO. Just help me my transaction could they do that? NOOOOO! Just a waste of my time with politeness with people I don't want to talk too. Will be cahnging my account to a local bank within 5 days. And hey I'm a heavy hitter, they won't miss me but the local bank will like me.

    Anonymous 12/1/11 9:13PM
  • Absolutely horrible! We are well-qualified and trying to get a mortgage....have never seen anything like their incompetence and delay. Worst decision ever made was trying to get mortgage with them....too late now becuase we are already into the process but stay FAR FAR FAR away. I'm kicking myself. We only went with them becuase we have all other accts with them. horrible mistake.

    Anonymous 12/1/11 4:11PM
  • I have never dealt with a bank like this bank. I was short 4 cents today in my checking acct and they charged me a $35 fee. When I opened the acct I was told if the acct was under $10 u would not be charged a fee when I mentioned this I was told this chaged back i june not to mention I transfered the money from my savings the same morning. Bank of America is a rip off,,, I will be changing banks,

    Anonymous 12/1/11 3:51PM
  • Crappy customer service from offshore indian call centers. I had to call customer service to releaase a hold that was put on my credit card Thanksgiving day.
    The first customer service rep had such horrible language skills I could not understand her, I hung up and called back to get another rep. The second rep was a lot better but I still had to wait forever for my records to come up on her computer and even then there was a painful lag for information every time I asked a question. Why cant I speak to an american about my problems? Argg And they did not even contact me by phone or email to tell me that all the purchases I had made in the last 6 days had all been declined because "fraud" was suspected on the account. Ya fraud all right, that was me christmas shopping now I have to contact every store again and reorder. Bah humbug!!!!!!!

    Bob 11/30/11 12:32PM
  • DO NOT try to do a home loan modification, the only thing that will happen is getting deeper in the hole, and then not even getting the damn mod. I missed one mortgage payment, then I got into a trial mod, then I checked my credit, and find out I am 120 days late. 5600, behind. I have been paying as agreed, and now I am going to lose my house. Time to lawyer UP!

    Pissed@BOA 11/30/11 10:30AM
  • The most unethical, screwed up company I have ever had the displeasure of working with. I would NEVER recommend them - they have lost payments and screwed up in so many ways that I cannot even tell you.

    Want to keep my home 11/29/11 8:40AM
  • After months of deliberation, Bank of America authorized a short sale of our home in Indiana. We closed the mortgage of 7502 Prairie Lake Dr. Indianapolis, Indiana 46256 on January 6, 2010. In April 2010 my wife (Chris) and I started noticing our credit cards were being canceled, our once high credit limits reduced and other peculiar alterations being made to our credit accounts. We reviewed our credit reports through the website www.annualcreditreport.com. My wife’s credit report reflected a serious derogatory, reported by BAC/Countrywide Mortgage. I sent letters of dispute to each credit reporting agency (Trans Union, Experian, and Equifax) including our closing documents to show we did not owe the debt reported and to have the credit reporting agencies investigate them. In the meantime on April 26, 2010 my wife and I received a letter of suit from Toae A. Kim 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 & Hannoy’s 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 Geiss 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 Catt 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, Chris Jackson. After a brief conversation with Chris Jackson 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 Rye and Andrea Wilkes 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 America’s 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 realtor’s 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 General’s 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 Tidwell 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. Tidwell, 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 Tidwell 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. Tidwell 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 5-19-2020 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. Moynihan, 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. Tidwell 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. Tidwell said he would send us what we needed in order to get this mistake resolved. Mr. Tidwell 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. Duff. On June-9-2010 we retained Robert Duff to represent us in our pursuit to stop the wrongful foreclosure law suit against us. Mr. Duff 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. Duff. 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. Duff 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. Duff or seeing anything being done on our case we became quite concerned. We realized Mr. Duff was not performing as we perceived. I asked Mr. Duff to respond to phone calls I was receiving from David Grossman, 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. Duff, he explained he had medical issues and was unable to perform as we needed. Mr. Duff 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 Phillips of the Phillips and Garcia Law Firm. I explained our needs for a Law firm and informed Mr. Phillips I was interviewing other Law Firms as well. Mr. Phillips explained in detail what he could and would do for us if we decided to hire the Phillips and Garcia Law Firm. Mr. Phillips explained his firm’s 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. Phillips suggested we visit their associated web site (http://www.southcoastaccidentattorney.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. Phillips told us he had a Co-counsel with staff members as well. His name was Joseph DeMello. Later into the relationship we discovered Phillips and Garcia Law Firm was a very small Law Firm, virtually ran by one person, and Mr. DeMello was an Attorney working on his own and not even within the offices of Phillips and Garcia Law Firm. We were led to believe Mr. Phillips had a Partner and staff members. We’ve never been introduced to the Garcia side of the Law Firm. We are not even sure there is a Garcia in the Law Firm because we have never heard from him. We were deceived into thinking Phillips and Garcia Law Firm was a rather large law firm willing and capable of taking on one of the largest banks in the world. Had we’d known the truth about the size and stature of Phillips and Garcia Law Firm we would have seriously considered another Law Firm.
    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. Phillips and Mr. DeMello 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. Phillips 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 web site 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. Phillips 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. Phillips 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. Phillips 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 Duff, Mr. Phillips stated how Mr. Duff’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 3 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. Phillips 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. Phillips 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. Phillip’s 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. Phillips we questioned our rights to accept or reject a settlement offer. Mr. Phillips 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. Phillips 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. Phillips 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. Phillips relayed our terms incorrectly by telling the defense counsel we agreed to settle for $2500.00 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. Phillips 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. Phillips I shared with him one of our pet peeves with our prior attorney Mr. Duff. I explained how my wife and I were detail oriented record keepers and we expected to receive documentation within a timely manner. Mr. Phillips 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. Phillips our intentions and needs for our case related files Mr. Phillips 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 DeMello if he was familiar with our cases on numerous occasions. Mr. DeMello used threats and bully tactics, while not having sufficient knowledge of what he was talking about. Mr. Phillips 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. Phillips 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. Phillips I discussed with him another pet peeve with our prior attorney Mr. Duff. 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. Phillips 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. Phillips offered was the ability to investigate the case load with the upmost knowledge. Mr. Phillips explained how his law firm specialized in wrongful foreclosure cases, consumer protection law, and several others. Mr. Phillips 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. Phillips made comments on how he had never seen any past client investigate their own files as we did. Co-Counsel Joseph Demello 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 Phillips, Joseph DeMello, Robert Duff. 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. Phillips commented and explained how aggressive Phillips and Garcia Law Firm would be once they received the files from our prior attorney Mr. Duff. 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 Demello. 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 Duff was withdrawing. On August 12, 2011 Carlin Phillips 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. Phillips 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 Duff had refused to give us legal advice. We recently asked Phillips & Garcia Law Firm and Robert Duff; who is the Attorney of record? We have no legal notice of withdraw from Phillips & Garcia Law Firm, or Robert Duff. Had we known the deceitfulness of Phillips & Garcia Law Firm and Robert Duff 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. Duff 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 Duff 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 web site 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 Duff. We severed ties with Robert Duff 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. Duff 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. Phillips 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. Phillips our permission to proceed @ $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 Phillips dated September 27, 2011 stating this case now has limited value. And the Attorney of record Robert Duff is seeking to withdraw. This whole masquerade has caused us added stress and grief beyond imaginable belief. Mr. Phillips 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 Duff, and Joseph DeMello 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: daveleforge@aol.com , phone# 513-604-4108 or home address 203 Lady Palm Dr. Naples, Fl. 34104
    David and Luda Christine LeForge

    daveleforge 11/29/11 7:42AM
  • Are you kidding me. My husband died in 2009 I paid the mortgage for 8 months until me and my kids could not be in the jose any longer. told them I was leaving four months before I left. I never got a returned call the realtor had over ten offers for a short sale on our home the bank never responded. Even after I left I kept and paid the electric and filled the oil tank all winter, still never heard a word just two years later the house I get mail addressed to my late husband do you want to save your home. Also we have sent them 8 death certificates. No wonder our country is in crisis financially. Even a tragedy cannot get you help. I hope they all go down.

    lccort275 11/28/11 3:34PM
  • Get this.......I was in the process of closing this loan sharking banks account and had like $3.50 left in the the thing. Instead of just walking away I decided to spend the few bucks instead of letting them have it. Well, Forgot about the tax and went over $.35 cents. Next thing I know the hit me with #35 over balance and after Five Days got my for another $35 for not paying the first fee. Sure glad we all bailed them out huh? I called and was told if I didn't pay it would go to collections. I'm 80, what can they possibly do to me. They can gag on all the money they made of of me over the years. $5 bucks to use my ATM card to access my own my because the CEO said...."Bank of America Deserves to make a profit". Are you frigging kidding me!? Opened a new account ( along with about 15 others from BofA that morning) at US Bank where all is still free....no hours on hold and friendly tellers. Plus if you use bill pay (free) 3 times in the 1st 60 days of opening you account they give you 40 bucks AND, if you donate 1 buck to a charity they give you another 10 bucks. When was the last time any of your banks gave you a dime. So, Bank of America you can eat that 70 bucks and I hope the government comes down on you like a ton of bricks......gready pig azzes!

    jle1953 11/28/11 1:11PM
  • One and a half hours of sitting here waiting for a fax. A FAX

    Anonymous 11/28/11 11:20AM
  • Bank of America is completely un-trust worthy. They want to record the phone conversations but when informed the other party is doing the same. They will not permit it. Why, because they are un-trust worthy!
    The fact that they request permission from the party they called; is clear proof of consent to the recording of the conversation, if they claim it is not then under CA law, they have committed an illegal wire tap.
    If they record any part of the conversion before all parties give consent again under CA law, they have committed an illegal wire tap.
    When the party they called gives consent, all parties have the legal right to record the phone conversation under CA law and US law.
    When informed of the recording by all parties Bank of America agents try to make it sound as if the called party is refusing consent.
    When forced to admit the truth, the agent’s reply is, “Bank of America does not wish to engage in any recorded conversations”. They end the phone call. You can bet that is not what is written down about the loan account. A record of the truth will not happen with these types of dishonest
    Companies, they are such absurd liars.
    It is a shame Bank of America can buy up loans without the permission of all parties.
    It is time for the public to know the true nature of Bank of America and others like them.

    1 Voice 11/27/11 12:14PM
  • THIS COMPANY TOOK OVER MY LOAN FROM ANOTHER COMPANY THIS IS THE WORST COMPANY TO DEAL WITH I HATE THEY TOOK IT OVER NO ONE CAN GIVE YOU AN ANSWER ON ANYTHING YOU ARE TRANSFERRED TO SO MANY PEOPLE THAT YOU DONT NO WHAT TO DO OR THINK AND THE LAW THAT OUR PRESIDENT PASS ABOUT HAMP PROGRAM AND LOAN MODIFACATION THEY MAKE IT HARD FOR SOME PEOPLE TO GET OR THEY TELL YOU IT WILL TAKE UP TO 90 DAYS I DONT THINK IT IS FAIR TO THE PEOPLE WHO ARE TRYING TO SAVE THERE HOME.

    Anonymous 11/26/11 3:18PM
  • I'm a long time customer with checking and other accounts with BOA.

    Recently had a miserable experience in getting a signature guarantee for a probate issue with another bank where that account was held. The local BOA and a called 'supervisor/managar' refused, and would so only if that account moved to them.

    The nearby credit union had no issue with the request.

    BOA's only interest is in capturing accounts and fees...not in serving their customers. I closed my account, and would advise all to do the same if you ever might need service.

    afed 11/26/11 9:55AM
  • For all of the people who are currently caught up in the BofA refinance side show, you are being lied to and scammed! BofA's policy has been to delay as long as possible, lose documents and funds, and generally run out the clock until they can keep all the funds involved. They are crooks! If you can, stop all dealings with these criminals and start the process all over again with another bank or credit union. Bank of America is a criminal organization.

    Anonymous 11/25/11 11:32AM
  • We had our local bank send a payoff for a mortgage to Bank of America.
    Bank of America signed for the bank transfer, but has lost the funds.
    We call every day asking if they have found the money. We never get the same person. Each representative has the same story.
    It seems to me that there is an element of fraud. The bank has my money, and is essentially getting the use of the funds for free.
    I am considering contacting the FBI.

    Anonymous 11/25/11 10:47AM
  • I followed all instructions, sent all required paperwork (twice), and was assured my "personal representative" would walk me through the whole procedure. Then I got the notice that my request for modification had been denied for failure to provide requested documentation! Turns out it was a form I needed to sign, that they sent to me... at the wrong address! (The notice of denial, and all other mail from BOA managed to use the correct address.) I called my "personal representative" and have had no response. His email address is no longer active. I think BOA is about to start foreclosure action, based on my "failure to provide requested documentation", and I was just given a run-around while they let enough time elapse to move ahead. These are people with no souls, no empathy, and no interest in "helping" anyone but themselves.

    Anonymous 11/24/11 12:22PM
  • bank of america send letter to millions of their customers on beginig of november 2011 , regarding home equity loans , announcing that bank will be requiring to pay off these loans by costumers beginning jan. 2012 unless those loans can be refincing till 2012 , they not mention that those loans were issued orriginally by Countrywide and should be held by chinese banks and not be mean put thousands of american people into another wave of foreclosure and put them living under the bridge . thats what 2nd bigest bank in us doing for us citizens . we not going pay for loser countrywide mistakes what was leter acqaired by bank of america what is another loser praying on it last customers.!

    BACs sucks 11/24/11 2:55AM
  • The worst bank I have ever delt with in my life. they take are money and the goverments and ask for more?

    bank of assholes 11/23/11 7:09PM
  • Bank of America keeps screwing me. im a 20 year old student with barely enough money to get by and as of the past few months, i keep getting hit with fraud charges from reputable websites and businesses. ive filed claims, they lock me out of my account for a full week while waiting for a new card, i miss rent do to not being able to access my funds. Woke up again today with alerts from BofA claiming fraud charges, and sure enough new fraud charges from out of state, on my new card number? wtf?

    so my account is locked again, i have thanksgiving and rent coming up and i don't have ANY funds. this is ridiculous. they won't even help me with these new fraud charges yet until they are done processing. but at the same time they can lock the account to where i can't get MY money. 'unfortunately we can't help you until these charges are done processing, they may be mistakes that will be removed and will never actually charge to your account.' ive heard that every time ive called to make fraud claims. so that adds an extra day or two on top of my account lock time.

    seriously pissed off customer.

    fromBOFAtoHOMELESS 11/23/11 9:43AM
  • I go stuck with them on my home mortgage and have been trying to get a modification for 2 years with nothing but a run around. They dont return my calls and keep losing my documents

    kentr 11/22/11 11:57PM
  • Be careful when dealing with these people , they will tell untruths that negatively affect your current credit score

    Unhappycustomer 11/22/11 1:21PM
  • My issue with Bank of America, is that first for the longest time, I had both a personal savings and personal checking account, with them. Then they told me I had made too many transfers between my accounts and were going to convert my savings into another checking account, therefore leaving me with 2 checking accounts and no savings account (didn't make sense to me). I finally had it, when they recently started charging these ridiculous monthly maintenance fees to both accounts. On November 10,2011 I contacted Bank of America and told them that I want to close out both accounts. Fine, no problem. The guy I talked to, had even asked me if I wanted to receive 2 separate checks or combine both balances to make just one check. I told him I wanted to receive my money via 2 separate checks and he then told me no problem and that I would receive it within 5-7 business days. Now, here it is Nov 21 and still no checks from them. Is this normal or are they screwing me? I think I would be pissed off if they were purposely holding it until they collect their maintenance fees for next month, but I have no idea.

    Anonymous 11/21/11 2:28PM
  • The ATM at 421 N. Charles, Baltimore 21202, has been out of order for weeks. It was tolerable, or understandable, when major street construction going on in front of it making access difficult; that is now gone, machine still kaput; have stopped 3 times, parked car, only to find it OUT OF ORDER.
    DEMAND that the machine be covered, signed so it can be seen from the street, that it is KAPUT so public will not be harassed to park and go to it.
    I have several good accounts and expect a response promptly about this!!
    J.Michael Schaefer
    Schaefer-Nevada, Inc.

    Anonymous 11/20/11 10:28AM
  • BoA branch office manager says her branch requires my wife to be present in order for BoA to endorse an insurance check even though my wife already endorsed the check. This is NOT a BoA corporate policy as the BoA claims dept stated it is the branch policy and had no issue with the manager endorsing the check.

    boah8er 11/18/11 10:12AM
  • Bank of america sucks, doesn't matter how many times you call there they don't know what they are doing. I am authorized on a mortgage account to speak with bank of america on my fiance's account and everytime we call there they have no clue ,one person says its ok and the other says I can't talk this has been an ongoing process for over a year, we sent documentation that they requested and they still suck. our house burnt down and the process of getting our money to give to the contractor was horrible, again and again I have talked to them and then out of the blue some dumb operator gets on and can't find the paperwork. I have so had it with bank of america.

    Anonymous 11/17/11 6:42AM
  • I feel very sorry for anyone who uses bank of america. I handle accts that are investor accts for them on home equity line of credit. They are on a list that explicitly says does not offer modifications. Yet I am not allowed to tell the customer that. I am required to tell them to call multiple departments that will send them to other departments, the eventually either tell you a hard NO or keep you in "Review" till the end of time. In my honest opinion before your credit goes to hellnt a cheap apartment then move out let the house go into foreclosure and just try to live your life on cash because its better that way and you won't end up in this situation again.
    just an FYI bank of america is not the only one on the list of NO MODIFICATIONS and its quite shocking. If for whatever reason you do decide to get a mortg. or HELOC I would suggest E*trade or PNC Bank. They are the only companies that will actually help you. and for those who say PNC bank won't that means you are one of the accounts that is actually taken over by PNC but still belongs to Bank of America or another bank. especially if it was transferred from National city. good luck folks!

    Pissed off Banker 11/16/11 3:24PM
  • They cashed a check that did not have my signature on it and I was informed that I had to make special request to keep them from doing this in the future. What's the point of having an account with them if they cash checks without the account owner's signature? Reporting them to BBB and attorney general.

    kvf666 11/16/11 10:42AM
  • They didn't post credit card payments scheduled for 11/11/11 and then charged late fee and interest. Thy tried to BS that it was the banks fault, then the holiday fault. ON hold forever, then had to call a second time because all charges were not reversed as told during first call.

    hthomas 11/15/11 6:50AM
  • I went thru a divorce almost six years ago and then the bottom fell out of the real estate market.two years into my new morgage i had to inform BoA that I could'nt keep paying it.I tried two modifications (the first one had my ex wife name on it) .they both failed.I offered them $2000.oo a month until the econemy turned around .(my guess 2014) they refused my offer.so now 2 years later im $90000.00 in the hole with them instead of $45000.00. I'm sixty two years old.at this time in my life I dont care about my credit score.I've had it with these bozos. I hope they go BANKRUPT!!!

    howthedan 11/14/11 10:46AM
  • Over 14 years as a holder of BofA credit cards and I've had it with these morons. They just do not care about Customers,only how much they can take from your accounts. I've secured new credit cards with other banks and a credit union so that I can stop doing business with these Chimps! BofA will never get the message from unhappy Customers.....they do not care!

    Anonymous 11/13/11 6:47PM
  • Just heard that all of BofA are to be getting $27 dollar refund for the over draft charges. Wow, really....a whole $27? I have lost over 1,000 to BofA for their stupid holds on my deposits that no other bank does. When I went in to challenge them and ask for a refund because they held a check of mine for 11 days, even though it was my payroll check I've deposited for years. I asked to speak to the manager and after explaining to him what had happened and demanded a refund he asked me to leave the bank. I am not a loud person so I was not yelling but obviously the manager did not like being challenged.He said he would call the police if I didn't leave. I so wish I would have stayed, had the police come and made the news. Bank of America needs to be held responible. The lawsuit is not enough but atleast it hits BoA in the wallet!!!

    justtryingtogetby 11/12/11 7:52PM
  • We have tried for 3 years to get a loan modification for BofA. Why can't they say something other than "they will get back to you when they know something". They surely have to have an answer after 3 years. I have sent in the papers they request over and over again. I am doing my part! Come on Bank of America, do yours!

    frustratedinKC 11/12/11 7:21PM
  • Why no service on the weekends?

    Anonymous 11/12/11 6:51AM
  • Went on a business trip and business debit and credit cards suddenly stopped working. And this was not a problem with lack of funds

    Bank of America is the most complacent, unfriendly, uncaring, hard to work with institution.

    I'll be finding a new bank as soon as I get home (If I get home)

    UnhappyinTexas 11/11/11 5:23PM
  • I had applied for modification in July 2008, and am in my third modification program - due to error on Bank of America's part (per customer service) I was put in the wrong modification program twice. So I refused their final offer, which increased by debt obligation to them from (22 years, 5.75% interest, monthly payments, balance of $140000) $174989 (october 2051) to (40 years, 5% interest) $241,662.63 .... a NET INCOME FOR BANK OF AMERICA OF NEARLY $80000. Now the interesting thing is that FTC regulations disallow banks to make more difficult for customers to pay off their debt. so, how reasonable is this? I wrote / faxed the CEO of bank of america, we'll see if he listens. I also contacted administration at Fannie Mae. I invited them to sit down with the law department in my city for discussion. So I have two things going on. 1. Bank of America returned a $500 cheque from March 2011 ( claiming payment was insufficient ) AND 2. received a NEW loan modification package to begin payments December 2011 with a NEW trial plan. Of course, the payments on this trial plan are different from both of the other two plans I already went through....... 'games, games, games !!!!' --- here sucker, lets drain you of more payments after 4 years of messing around, while we STILL throw you into foreclosure and mess you around. True fact, the "negotiator" didn't even know what the FTC was and admitted he didn't know what he was doing, he just did what the legal department told him to. That's why I faxed the legal department - don't waste your time with customer service - it's just a J.O.B. to them.

    Julia 11/11/11 1:03AM
  • My credit card was changed over from a SCHWAB credit card and they are not able to get me online service and transferred me to 7 different people with no help or positive outcome at all. BUT they have the ability to set me up with ID and Password to take their survey in a big long complicated email with all kinds of information....LOL! WHATEVER! Customers should be 1st! Not their Marketing Department!

    eileen 11/10/11 6:26AM
  • After waiting in the drive thru for 45 minutes, the cashier said she could not understand my written instructions. I have to get inside the bank and the supervisor said there is a new rule on withdrawing this kind of check a month ago. I was in the same bank a couple of weeks ago, I did the same thing and was done without a problem in less than 10 minutes. Bottom line, the cashier is honest enough to say I don't understand and the supervisor covers herself by making excuses (lying). POOR SERVICE...

    fe 11/9/11 1:48PM
  • We were Bank of America Business account holders as well as our personal checking and savings accounts. The business account had been active for about 20 years. Then suddenly we saw outrageous charges for montly fee's at first it was $300.00 and on up to $500.00, I made an iquiry about it to our branch manager and she assured me it was correct b/c of the amounts of checks that come through our account. Then the next statement i got was almost $1000.00 (there were times it was more than $1000.00)I called again and was told we signed up for the "Business Analysis Account" (which we did not) these were some of the ridiculous charges: Cash processing Fee: (charging me to recount the money in my deposit),
    Coin processing fee--This charge was for our daily or everyother day of "change orders" which never exceeded $600.00..it was all coin change and usually only a box of quarters (500.00) and a box of pennies -50 in dimes and 40 in nickles. This would be done at least twice a week. As i recall this charge "fee" was around $300.00. It was ridiculous and I am still appalled that they got away with it. We moved all of our accounts both business and personal to Metropolitan National Bank (they had been trying to get our business for about 15 years) Everything is absolutley wonderful with out new "neighborly" bank --METROPOLITAN NATIONAL BANK,,,,WE LOVE THEM!

    KIM-
    Business owner in Little Rock, AR

    zimrmn2 11/9/11 12:50AM
  • Oh MY! my mother with drew money with her account information ( bank Book ) and a ticket to mexico for her vacation , once she arrived in mexico she found out the cashier with drew from a wrong account and froze my mother account and she has been with bank of america for 30 years! i think this is the last draw! WTF!

    Anonymous 11/7/11 11:53AM
  • ShopSafe (virtual credit cards for online shopping) used to work fine when it was under MBNA. Then BOA bought MBNA and it's never worked right since. Most of the customer service retards at BOA who work in one of the departments that are supposed to deal with online banking don't even know what ShopSafe is. Or they read to me off a help screen -- what a joke. I know the stuff better than they do.

    Also they still have a help page up that's about ten years old and totally out of date. It talks about Web browsers that haven't existed in years, and about some software that probably doesn't exist but it's hard to know because they don't bother linking to it.

    They're worse than useless.

    Socialism Can't Be Worse Than Th 11/6/11 5:30PM
  • I have been a faithful, on-time paying mortgage customer of BofA for 7 years. Last year I got divorced and was awarded the house but have to put the mortgage in my name only by the end of this year (or forced to sell). I have plenty of income, have been paying the mortgage on my own for two+ years and just want to continue to do so. However, BofA says they cannot put the house in my name because my original Countrywide loan was "non-assumable" and they can't refiance me because my ex-husband stopped paying the equity loan (unbenown to me) that he was responsible for & was supposed to pay off after the divorce.
    So my only option now is to short-sell my house or stop paying BofA mortgage forcing foreclosure.
    How crazy is it that BofA has an on-time, qualifed customer that just wants to keep paying them but they prefer a short sale or foreclosure?!?

    Bren77 11/6/11 7:14AM
  • When I check my credit card account, I found out that someone used my card, then I reported to the BoA customer service, unfortunately the person wasn't helpful nor didn't care or didn't understand what am I saying, the person keeps telling me that it's normal to used a credit card for other states even I stated that I never when to the other states nor used it for a particular business, but the person just really wasn't considered or just plain ignorrant. Then when I got switch to anonther personal, the line "accidently got dissconnected" or actually hang up on me.

    Bubbabubaaba 11/5/11 6:32PM
  • If you don't have enough money to put in the bank, I highly suggest not to, I barely have money in the bank just save keeping and interest, but there been overdraft charges that I never heard because I didn't have enough money in my account. Unless you're making more than $1000.00, it's better just to keep in a safe.

    Anonymous 11/5/11 6:25PM
  • You have fully screwed up the online banking, we are looking to get out after 35 years.

    Anonymous 11/5/11 3:01PM
  • I have been trying to get a LOAN MODIFICATION from Bank of America for 4yrs now, I never seem to get any answers. One person doesn't know what the other person is talking about. I never get any real or legitmate answers from them. Its always still in review. Its very frustrating and annoying. I feel like as a result of this I could possibly lose my home, which I have worked so hard to purchase. I had a lapse in my mortgage for 13 payments when my husband became unemployed, but at month 14 he found employment and we started paying our mortgage again and have never had another lapse or situation. I am so tired at this point I don't know what to do. After paying again with no problem they are telling me that I am in the process for foreclosure? Really? Why didn't they tell me after over 400 calls to their customer service that since the very beginning there was nothing they could do for me. Instead they kept taking my money. I feel like Bank of America, our countries Bank is a sham. Very disappointing to my family and myself.

    Lelli 11/5/11 7:22AM
  • I have been trying to work with BOA for the last 2 years to get a modification on my house. I have sent paperwork in numerous times and they never have it. I am never able to talk to the same person twice. Every employee has a script to follow and can't answer anything that is not on the script. I am finally to the point that they can foreclose - I just don't care anymore. I do have a contract for a short sale, but am really not hopeful that they will get their sh** together and get that approved. I have even gone into a mortgage facility and spoke with a supposed VP of Home Retention. He was nice to my face, but passed me off to some knucklehead that never called when he was supposed to. Also, they need to change their name - they should actually be Bank of India, or Bank of Costa Rica because you sure can't talk to an American when you call in. Their customer service totally sucks and I will NEVER deal with BOA again as long as I live. I can only hope that they go under and they all have to go through what I have had to endure the last two years.

    hating BOA 11/4/11 8:53PM
  • Bank of America is well aware of the computer gliches but they continue to use the system that wrongfully denies customers a final modification to their mortgage loan. Their system has wrongfully denied me because I missed a payment, which is false. I have filed numerous appeals with BofA and MHA and they still refuse to allow a human to review my loan documents. Offering a repayment program is so dumb when the property is upside down in value over $400k.They are unethical and are definitely NOT trying to modify loans.

    Anonymous 11/4/11 1:15PM
  • I spent 2 hours on the phone with 14 different BofA representatives asking about some sort of modication program. Don't want to do anything but lower rate on a under water second home and 50% of the reps were professional and kind but could not help while the remaining indivuals were rude and one supervisor hung up on me. They talk a great game in the media but their customer service is lacking

    Anonymous 11/4/11 11:08AM
  • I have tried several times to contact SOMEONE about a loan modification. A Temporary thing, that I am confident is a farce at BOA! No such thing exists in my mind. They put you on a hamster wheel, hang up on you, disconnect you, put you through hoops of fire....for what? Nothing. Because
    it sucks!!!!

    I am going to start a web site for this....and advertise how bad it is! THere is no service at BOA!

    The End

    RIckC 11/3/11 10:36AM
  • I had a Bofa credit card which ruined my credit and cause me hardship; they raised the interest rate without notice on a 0% card. I also have a mortgage with Bofa with the fall of countrywide which was a terrible mistake, I hate Bofa. I rather go into collections then deal with bofa, and I rather default on my home then pay them. I really and truly hate them, I will never ever give them a chance again for no reason, and my children will never bank with them. I will fight them every inch I hope they fall and go under for all the money they have stolen from the American people. So what if a few people got rich on the poor, and so what if millions lost there homes, and so what if bofa goes out of business.

    j 11/3/11 4:43AM
  • I just withdrawed $900 out of savings and asked for 2 money orders and she said that would be $10 because of the type saving acc I had, I told her forget it I never had to paid over $1.10 for any money order I had ever bought. What is up with them charging me $5 for a money order.

    billiedarleen 11/1/11 10:38AM
  • Was going to cash a $60 check drawn on Bank of America today. They were going to charge me $6 to do so. That will be the day! My wife and I were seriously considering moving some savings to BOA and opening a checking acct, but there is no way I will ever open an acct. there! They are terrible!

    Anonymous 10/31/11 4:58PM
  • Customer service is not open 24/7 as listed... can't use my debit card; can;t get into online banking, and you have NO PERSONNEL servicing customers; I feel some better now!

    theoldest1evah 10/29/11 3:09PM
  • We have accts with BOA and we will be staying with them. You better think twice before closing out your accts. All the red tape that is involved. like deleting all your online payee's and having to add them to your new bank. Also take a good look at the occupiers and what they are doing. Anything to get in the news. BOA has always been good to me as a customer. Very one I have ever delt with has been very nice and helpful. They are doing their job.... Why not forcus on the gas companies you don't do anything about paying more at the pumps and they telling us that they made 10.5 BILLION DOLLARS in profit. What is the matter with all you people? Go pay more at the smaller banks for using your debt cards and being able to have a certain number of payee's in you online paying bills account. Come on be smarter not dumber. Think about what you are doing? The Larger banks are here till the end no matter what you do. WE WILL BE STAYING WITH BANK OF AMERICA. THE NAME SAYS IT ALL BANK OF AMERICA..GOOD JOB BOA. Ruth Minns of Oregon

    Anonymous 10/28/11 12:41PM
  • B of A holds my mortgage and I have always made my payments on time. When my partner and I split up, I went through the assumption process. WHAT A NIGHTMARE! After three months of dealing with their crap, I'm just now getting done. Customer service was rude if/when you got them on the phone or by email. There was no courtesy whatsoever. FAIL FAIL FAIL! We should have let them FAIL.

    BofA Sucks 10/28/11 7:53AM
  • I do all my banking and such online. Recently we took an Auto Loan from BOA. Mistake. The online website is the worst I have ever encountered. We refinanced the loan 6 weeks into the BOA Loan. Then yesterday they inexplicitly deducted the payment from my checking account. This is after 4 weeks of the refi. Trying to get ahold of someone at BOA has been a nightmare. This is a bank I would avoid at all costs.

    Yeleka 10/28/11 5:34AM

  • Bank of America posted an ad in the Los Angeles times this morning the 25th of October 2011 . I was compelled to write this because the ad read the following :
    We're working to help keep California economy moving forward . Wow that is some add . who is the clown at the helm that decided to take up an ad like this .

    they claim they lennt ! billion to small business .
    they claimed they modified 900,000.00 loans

    they claim they commited 27.9 to non profit support .

    employees have given volunteers hours .
    what a bunsh of clowns and crooks at the helm.

    they dont modify loans they have an internal frodulant dealing with investors that when a property holds a good value they sell it to the investor versus completign a short sale . because a short sale can help the consumer keep his credit ratings and keep california economy growing . A bunsh of crooks at Bof A .

    t
    claim thee

    Anonymous 10/25/11 1:04PM
  • I did an electronic transfer for my mortgage payment an BofA waited 2 weeks and then sent my check back saying they had changed my payment and it was $9.00 short. Now they want an additional $60.00 because it is late. Customer service was very rude and no help at all. They should be shut down!!

    Max 10/24/11 7:29AM
  • We too are having problems with BOA. Met with an attorney and documenting everything via fax with confirmation. Found it interesting that the federal government took them to court and a consent decree was issued in March/April 2011 for exactly how we are being treated. Go to http://www.occ.treas.gov/news-issuances/news-releases/2011/nr-occ-2011-47b.pdf or google Bank of America consent decree to read the court document. More amo!

    Detroit Suburb 10/22/11 10:35AM
  • i've been with BOA for 15 years and recently called to discuss a new home loan. I spoke to 3 different people all just as useless as the one before and all quoted me completely different BOA fees. I realize rates change but the bank closing fees do not. all 3 would not give me any specific information unless i allowed them to pull my credit report, which i would not because i'm not a total fool. they each also said they would email me some information and of course none of them followed through. i gave up on them and went to chase where i was treated with respect and got honest upfront information with out dealing with someone who sounded like they hated their job. so thanks BOA you made my home loan decision a very easy one.

    newchasecustomer6 10/21/11 9:45AM
  • I had an online chat with 2 of your online specialists. David, who could not help me and his senior chat specialist Athena. I request to have all mail from BOA stopped, I keep getting request to get a rewards card, which I have had for years. Anyway, I was told by both that I had to log in on my own ID online account, which I was thats how I got to chat with them. But no they would not help me unless I got a new ID login for my account. As you can see by the chat back and forth they would not help me. So while I was waiting for them to reply... I called the bank and got a rep who showed me how to do it my self. I am so angry with your specialists that they did not tell me about this, all they wanted was for me to do what they wanted. I do not need extra logins for someone to steal. I am taking my savings to another bank and you can thank Athena who would not get me her supervisor when asked twice. Maybe she needs more training on what is available for online banking.

    JT 10/21/11 5:55AM
  • I have spent hours trying to get online banking and no return calls from my local branch, I know there will be no response to this, if not you have lost another fool.

    Anonymous 10/20/11 5:03PM
  • Ive with bank of america forever. I hate this bank. They ani't making any money on their morgage loans so they are charging the loyal customer fees for everything. Thats why Im taking every penny out of this bank. Bank of america sucks. The only good thing about this bank is the tellers. The rest sucks.

    mAD AS HELL 10/20/11 3:03PM
  • I was to ld to sign up for e-banking to avoid their ridiculous 8.95 minthly checking fee. I was told that all I had to do was deposit to my savings and the money would "automatically" transfer. What they didnt tell me is that it automatically transfers after a 10.00 fee. Why the hell would I sign up for something to save 8.95 per month only to spend 10.00 per transfer. BANK OF AMERICA IS A BANK OF CROOKS AND SHOULD BE CALLED BANK OF AWFUL SERVICE!!!

    nahlij 10/20/11 10:17AM
  • I have been in a home modification with Bank of America since July. It has taken numerous times of refaxing or sending the same information as it seems it either does not arrive or it is something new to be sent. The homes around mine have been "given" to investors for market value and and now are rentals. So you have collected the insured amount off the first loan on this house and owners were sent packing and probably got cash from investor so you could clear your books. We thank you and all the fiancial institutions for making our neighborhoods so unstable. Our school districts are feeling the effects as no one is an owner anymore so they don't give a damn about the schools were they bought their investment property...oh if the times should get bad they will just dump the properties or sell them to another investor from Canada or Asia...we bailed you out and now you let all the middle class sink...shame all of you ,.,,how do you look at yourself in the mirror...or is that all you do....

    Anonymous 10/19/11 9:33AM
  • I want to petition the $5 Debit Card Use Fee
    to be implemented l/2012. Also to petition the ridiculous fee of $8.95 /month for
    checking maintenance fee I've been carrying
    for years. I'm a long, long time customer since l970's when Baybank (was much better then) they were customer service oriented.
    I've held CD, Savings Checking for years. I
    will now be working on changing banks, actually to a credit union which does not have any of your fees, very honest, simple,
    many ATM locations. Many of my friends are
    doing the same. I've heard in detail televised cases of abuse to mortgage customers - one who had been granted a loan mod by you, and you foreclosed on their property, it took them a lot of work with an
    expert to bring the bank to justice. You've
    illegally hurt hundreds of thousands of people
    with mortgages, I'll bet you don't even own
    the deeds anymore. You should be looked into,
    prosecuted, I believe Martha Coakley and team
    are working on it to protect the good people of America. You won't get away with it.
    I am shocked at the crimes you have committed
    and continue to.

    What a cheap shot to charge customers, who
    can't afford it, & after you encouraged them
    to use debit cards when they didn't choose to, to charge a $5.00 monthly debit card fee
    on top of ridiculously fraudulent monthly
    maintenance charges.

    Shame on you, and your arrogant CEO who spoke
    on television. Everyone I know has no respect for your practices anymore. KBS

    BAnk of America 10/18/11 8:21AM
  • I reached out to all my credit cards after an accident left me unable to work for a while. I will never deny the fact that I am responsable for my bill however Bank of America was the only credit car that would not work with me. I asked them to stop the late fees and intrest charges and I could send in monthly payments to knock out my balance. This was not good enouph for them. I will not pay them any more money and smile as I watch them crumble. Thanks Bank of America you could of helped me but you now have to go without money from me!

    Jason Hodgman 10/18/11 4:48AM
  • BofA customer service has got to be the worst in the world..a bunch of mentally challenged chimps could give you better service.

    steegs 10/17/11 1:24PM
  • I have been a customer for the better part of 20 years and NEVER EVER AGAIN! This bank is the worst to help, worst for fees and WORST for problem resolution! They do NOT care about the customer and what their idiot service people do to make matters worse. I will tell everyone I know to switch banks!

    LC 10/17/11 5:36AM
  • HELP, HELP, HELP. My brothers home burned in June and after the insurance company finally sent him a check, made payable to him and BOA, he endorsed the check and PER BOA's INSTRUCTIONS sent the check along with a letter of intent to pay off the mortgage and remit the remainder of the settlement to him. BOA received this check on AUGUST 26 and have been shafting him ever since about why they havent complied. This is OCTOBER 16! This is money he needs to live on as he is one of the 9% unemployed for over 2 years. WHAT is the problem and WHO do we address to get the situation settled. Also, can BOA continue to assess interest and late fees after 8/27? How can I get answers and from whom? Thank yall so much. (yeah, I'm in the south)

    P-O'd 10/16/11 6:30PM
  • Been with B.O.A. for over 20 years now and each year they keep coming up with a way to squeeze out more and more money out of us.
    Taxpayers helped them out and where are they now to help out the little guy when the times are tough.
    These new charges that they are implimenting are just enough to realize its time to move on. I am sure I am not the only one who feels this way.
    Time to look for another bank who might appreciate our business with them....

    standingas1 10/16/11 12:37PM
  • Just got my company bank statement and has over $30 of bank fees. Been a customer for about 15 years and never had a fee. Guess it's time to change banks.

    Customer service is useless. They should change their name to 'useless'.

    dradshaffe 10/16/11 9:53AM
  • Speaking of BoA scams, how many of you have tried working with them through the short sale process, only to lose the buyer because BoA would not make a decision about whether or not to accept the offer? Maybe I ought to also ask this, to try to keep a balanced perspective: how many of you have worked successfully with BoA to short sell your home?
    I have a theory about why so many people fail in the process, and I'd love to compare notes with other folks who lost out on a buyer because of BoA.

    lclarknj1 10/13/11 12:17PM
  • I have been ran in circles for over a year with Bank of America's home modification program. It appears to be a big scam. Though I have regularly called and submitted in all request then I am told I have to have their modification package which for over 10 they failed to send me. They kept making me start over and here a year later I am no more towards any modification answer than when I first started applying

    Anonymous 10/9/11 10:41AM
  • BofA is an example of a bank that has gotten so out of touch with their customers that they do not even go through the motions of providing "service." They were bailed out with OUR money and they still treat people like Sh#$! Close your accounts and move to another bank or credit union who appreciates their customers. The CEO and his Minions have an obvious disdain and dislike of BofA account holders!

    Anonymous 10/7/11 2:25PM
  • a coworker Marti- 4-1-10, I found out,Has been using a card I thought I lost ,,,[WRONG] in Marti's pocket I lost it,,,He withdraw from my BofA ATM machine @ 5,000.00. BofA refuses to help me,

    willybillybillbi3 10/7/11 3:11AM
  • I went to Bank of America at 20061 Brookhurst St. Huntington Beach Ca 92646,

    I have a Bank of America card from unemployment and I gave them my card and Drivers license but to verify it was me with the picture wasn't enough they wanted my physical address and one manager took me into the little room and told me I couldn't get my unemployment money with my P.O. Box address and being in the safe at home program, so I had to make up a address and give it to him and when I went back to the teller she told me off saying that their are a lot of you people coming in here and that we actually should go somewhere else, If Bank of America doesn't want the account for the unemployed why did they take it their are other Banks and credit unions that would be happy for our business, I have never liked Bank of America because they have a lot of rued people that are tellers and the managers are rude they believe its acceptable to talk to people just any type of way, this bank needs to be closed

    Anonymous 10/6/11 9:12PM
  • With the ecomony on the downslide BOA decides to charge more fees. Shame on you. I will be closing my three accounts with you! Hope other will join me.

    senior citizen 10/6/11 3:00PM
  • I am trying to reach a Customer Service Representative regarding my mortgage insurance. You sent a letter stating that YOUR paperwork indicate that I do not have coverage and you will be purchasing a Lender- Placed Hazard policy at my expense if I cannot prove that the proprerty is insured...
    I have contacted my insurance company and they have repeatedly responded that all attempts to get you guys to send the verification forms have been futile... and my attempts to speak to a Customer Service Representative have been futile as well. I guess you guys are using an "no answer" strategy to futher add to your profits.... You are a disgrace to America... Guided by your own self -interest rather than the principles on which this country was build... Answer the
    phones!!!!!!!! ... For every unanswered phone call that a Bank of America customer recieves..you should be required to deposit $5.00 in their account.... AND deposit 1,343.00 into my account when you realize that your records are not accurate!!

    Anonymous 10/6/11 10:56AM
  • People, I beg you to get out of this bank as fast as you can. Please boycott them. I have been a customer for 30 years and seen them turn from a caring helpful company to a merciless pack of wolves. Customer Service with home loans is so bad that it takes so long to close loans that people give up and start the whole process again with a new lender and lose all the fees that they paid BofA to start a loan. I will lose thousands of dollars in fees because I have to start over with a new lender. My credit was perfect, I have NO debts, no credit card debt, and a large income monthly. I got all the paperwork taken care of right away, gave them everthing the loan officer needed right away. Still 2 months later, the documents have not even been LOOKED at by the processer. If I go online to check the progress of the loans, their website says I still need to give them 16 more documents! I gave these documents to them months ago. This means that the loan processor has not even LOOKED at the papers yet. The seller of the home I was buying told me either I get a new lender or they are not selling me the home. BTW, I have no bills, no credit card debt, own my home clear and free and my credit was 820 and have a good fixed income and STILL BofA cant get my loan processed. My advice...steer clear of them. this bank needs to close. I feel for you people that have been injured in any way by this bank.

    wants to warn you 10/5/11 11:53PM
  • We Bail You Out and what do you do? You CHARGE us for ATM fees and put the screws to us. thanks Bank of America.

    Lindaa 10/5/11 2:15PM
  • AGAIN YOUR SERVICES OF ONLINE BANKING ARE IMPOSSIBLE TO USE.iN TOP THE RAISE YOUR CARGES ,DO YOU HAVE ANY THING THAT COUL BE DONE OKAY.
    iT IS TIME TO CANCEL MY ACCOUNTS AND MOVE TO AN ORGANIZATION CAPABLE TO SERVICE THE PEOPLE IN CT

    NO MORE 10/5/11 8:13AM
  • Currently in the process of getting a loan from BofA. We've been jerked around, yelled at on the phone, blamed for any number of things, and generally just fed excuses. Our loan is now 2 weeks late, with zero explanation as to why, they lose our paperwork constantly, and now won't even answer the phone. We were supposed to hear back from the underwriter yesterday morning, and now we can't get a single person on the phone, not the loan agent, her manager, or her manager's assistant.

    Wish I'd bothered to do a bit of research before ever calling these people.

    Anonymous 10/4/11 3:39PM
  • Bank of America is not nice. I had a business account with them, but I alway go to BB&T bank to get change. BB&T never give me any problem, but Bank of America alway give me problem. I am an business lady, I don't have alot of time, but bank of america take for ever to help one person. The taller girl name Daynna at Poinciana, FL location took her 30 mins to let me know that in the bank doesn't have change of $300 in $5. I have to get the large bills and go to different bank to get change. Bank of America in Poinciana FL is very mean. I will cancelled my business and personal account with them. I change over to BB&T. BB&T is very nice and have a great costomer service.

    Anonymous 10/4/11 2:16PM
  • I am here in Florida and after calling customer service, was told that the on-line banking issue had been resolved pretty much every where except Florida and Texas. While the lady was sweet and sympathetic, she ultimately could not resolve any issues such as access to pay my bills etc. Several years ago, to educate the public and to encourage use of on-line banking etc. in order to reduce their costs, BOA set it up that you could pay your bills on-line and also receive them on-line and basically use their center free of charge so long as you either had at least one direct deposit check per month and/or at least $10,000.00 in their bank in various accounts (checking, savings, money market, 401K etc.) SO after getting their depositors to comply, BOA now feels that they have lost money in the fees sector and to recoup their "losses" now have instituted an ATM fee of 5.00/month for using it. I am assuming that if you use it at a BOA to withdraw money, you will not be charged, but would not be surprised if they DO charge you for this service. This is from an institution that was foremost in the mortgage scandal, was one of the direct reasons why there was a moratorium on foreclosures on homes based upon their business practices. BOA was also one of the largest beneficiaries of the "Bail Out" and among the worst at re-lending to small businesses, consumers, etc. I paid off my home equity loan with BOA but it took them over 18 months to file and send the satisfaction of mortgauge with my local courthouse and for me to receive the release with proper document stamps etc. which is required in the State of Florida. You had better BELIEVE that if I was late with a payment or proper paperwork etc. it sure would not have taken BOA that long to come after me and to take advantage of "any and all available remedies to satisfy the debt". This latest: inability to access your banking information, looks and feels like an old fashion run on the bank. As soon as I am able to arrange it, I will be moving what little I have left after being raped by the financial institutions (401K) to a place I feel it is safe. Oh, yeah guess that is going to be either a "ghetto safe" or a hole dug in the woods.

    LBS 10/4/11 8:37AM
  • I am here in Florida and after calling customer service, was told that the on-line banking issue had been resolved pretty much every where except Florida and Texas. While the lady was sweet and sympathetic, she ultimately could not resolve any issues such as access to pay my bills etc. Several years ago, to educate the public and to encourage use of on-line banking etc. in order to reduce their costs, BOA set it up that you could pay your bills on-line and also receive them on-line and basically use their center free of charge so long as you either had at least one direct deposit check per month and/or at least $10,000.00 in their bank in various accounts (checking, savings, money market, 401K etc.) SO after getting their depositors to comply, BOA now feels that they have lost money in the fees sector and to recoup their "losses" now have instituted an ATM fee of 5.00/month for using it. I am assuming that if you use it at a BOA to withdraw money, you will not be charged, but would not be surprised if they DO charge you for this service. This is from an institution that was foremost in the mortgage scandal, was one of the direct reasons why there was a moratorium on foreclosures on homes based upon their business practices. BOA was also one of the largest beneficiaries of the "Bail Out" and among the worst at re-lending to small businesses, consumers, etc. I paid off my home equity loan with BOA but it took them over 18 months to file and send the satisfaction of mortgauge with my local courthouse and for me to receive the release with proper document stamps etc. which is required in the State of Florida. You had better BELIEVE that if I was late with a payment or proper paperwork etc. it sure would not have taken BOA that long to come after me and to take advantage of "any and all available remedies to satisfy the debt". This latest: inability to access your banking information, looks and feels like an old fashion run on the bank. As soon as I am able to arrange it, I will be moving what little I have left after being raped by the financial institutions (401K) to a place I feel it is safe. Oh, yeah guess that is going to be either a "ghetto safe" or a hole dug in the woods.

    LBS 10/4/11 8:18AM
  • All the customer service phone numbers don't work. The recorded message says to call customer service then disconnects. It would be laughable if it weren't so frustrating! This has been happening since Saturday morning. Online banking also has been unavailable since Saturday. Has BoA been hacked?

    Elizabeth 10/4/11 8:15AM
  • I made the mistake refinancing my mortgage with them. I always used credit unions in the past. Credit unions customer service is 100% better than banks, especially bank of america. I can't stand BOA they are the worst company I have ever dealt with. I should of never refinance with them. It's been a nightmare. Their customer service sucks. No one there can answer questions I have. They transfer your phone calls to department which are closed. If you are one day late on your mortgage they start harassing you with phone calls several times a day. Thinking of selling my house in order to get out of this loan with them. They are loan sharks. Never willing to be helpful.

    fedup 10/3/11 8:56PM
  • I can not log into my online a accounts. Have you been hacked? Or is it justb poore service

    pward84 10/3/11 9:37AM
  • Folks if you need a mortgage DO NOT Pay $400 for an application fee BOA & JP Morgan Chase have these fees knowing that most folks will be turned down and once they turn you down they keep your $400. I sure would like to make $400 for 20 minutes of work. It is now time for ALL AMERICANS to pull all there MONEY out of ALL the so called BIG BANKS (boa-chase-citi-wells fargo)and let BUFFET be the only customer. We do not have to take this crap form big business.

    Bonuscd 10/2/11 8:29PM
  • Poor customer service! Seriously...the respomse to my inquiry re: the new debit card $5 fee was rude and incredibly disrespectful. I was told "All the people who run all the banks got together and decided to do this." Well that to me sounds ILLEGAL and I hardly believe BOA would approve this as as appropriate response from a customer service rep. He was annoyed with my complaint re: the fee and reffeerred to me several times as "lady" as in "listen lady..." To top it all off he was the SUPERVISOR or so he said and when i asked to speak withanother supervisor I was told that there was no one else there. Pathetic. I will be closing all my accounts there this weekend. Customer service means servicing customers in a helpful, positive way. Time to look for another job if you can't handle complaints from "paying" customers.

    Auddie 9/30/11 5:42PM
  • Yes, this is one of the numbers for the Executive Customer Relations department. Unfortunately, although they are at lease sympathetic, they have no power to override anything that was decided before which is probably why you called them in the first place. Basically it makes you feel better but changes nothing.

    Arlyne 9/30/11 1:55PM
  • Good Morning. There appear to be many difficulties with the on-line banking provided currently. Is there some specific difficulty? Is it being repaired somewhat quickly? The home page, et cetera, seem to not be working correctly and it is causing problems. Please notify me/us regarding this situation. Thank you !

    marynolanmusick@comcast.net

    Anonymous 9/30/11 9:44AM
  • Think of this: Your reckless home financing is said to have caused the recession, you're sitting on lots of available money refusing to lend, now you want to charge for debit cards. What would you expect your customers to think and do? No mystery there!

    glenwall 9/30/11 9:28AM
  • Bank of America Located in
    1 East 49 Street, Hialeah Florida 33013

    *I called in to have information of the news I recently heard, that which BOA would be charging 5 dollars if you use your debit card. But, I wanted to know more, since I have online banking, and was not clear about what this meant for my account. This women answers, I ask her a my question, and she is already aggressive to begin with, so I ask her for her name. Then she flips out and speaks over me, asked me for my name about 10 times, and then even dared to say, "Well I dont need your name since, well I have your number registered here." And THEN SHE HUNG UP! What kind of customer service is that, I was hung up on, I did not even get a word in, and on top of that what does she mean "I HAVE YOUR PHONE NUMBER REGISTRED" Does that mean, I will not have more service, does that mean she is screening my calls.. In any case, this is the worst bank location to have any of your questions answered and any inf. you might need. HORRIBLE - place for customer service. Just terrible, poor example of south florida culture.

    axzuniga 9/30/11 8:31AM
  • Horrible company. They wanted an annual fee paid to them, after I was a credit customer for 17 years. My credit is impeccable. When I refused and canceled my card, they imposed the fee anyway. I have now been fighting with them for several months to try to clear up the issue to no avail. I am going to the banking department.

    vsabel 9/29/11 1:05PM
  • Okay, BOA ad Chas have both started charging fess unless you receive a direct deposit (which costs the bank money to process)or if you keep over $1500 in your account (which the bank has to keep a portion of on reserve). So, the only people paying fees are not getting paid and don't have money. Way to put the expenses of the rich on the backs of the poor.I love America but I hate the Bank of America. I just opened a free checking account at Union Bank on principal.

    The Code of Honor 9/29/11 7:52AM
  • Bank of America seems to create mental illness, I am a therapist and I CANNOT do business with this bank, incompetence, bad information, stupid people, systemic need to screen and get rid of customers, no desire for quality customer service, fake "office of the President" which is really a call center in Florida full of frontlines morons. I would rather eat my eyeballs than talk to B of A, the system is evil, vile, nothing worse. Needs to be bought by someone else because no one is worse, I documented 295 calls in last three days to customer service finding 3 people who were trained and knowledgeable, the others simply would not admit that they don't have a clue about banking. "Supervisors" (calling themselves CEUs-conflict creators) were the worst in most cases. TRAINING ISSUES, they must pay minimum wage because the quality of B of A employees is minimal.

    logicaldog 9/29/11 4:21AM
  • Tried to refinance w/ BofA and after nearly two months of getting the run around we opted to let them keep our $400 application fee and go with another company. The processor and loan officer from BofA cost their company any additional money from us. I can't count the number of phone calls to both of them that were never returned. The same pieces of paperwork were emailed and faxed countless times yet they would ask for them again. Too often we were told paperwork was sent out or emailed to us only to have it never show up. Piss poor communication between the people we dealt with at BofA. The list goes on and on, and it while our existign mortgage is throug BofA we are only weeks away from closing with another mortgage company and we can't wait to be done with BofA completely!

    Anonymous 9/28/11 1:12PM
  • Why doesn't website, B of A on-line recognize my account number, name, password, etc? Never had problem before. I can't log in to see my account. I talked to B of A chat tech, he couldn't find me as being a customer. It is like I don't exist as far as the website is concerned.
    I called bank branch, everything ok there. I have made on-line purchase thru B of A, they were accepted.
    I called Dish, they said that my automatic payment to them has been turned off so I assume that all of my automatic payments have been turned off also.

    Anonymous 9/26/11 1:05PM
  • Can't even get a live person on the phone!

    Anonymous 9/23/11 11:40AM
  • I have been trying to get resolution with BofA for 8 months on a HELOC that belongs to my ex husband who is in bankrupcy. I want to settle the loan and cannot get anyone who can make a decision. I've been passed from dept to dept, had to hire a lawyer who has been given the same unsatisfactory treatment. Finally got to the Office of the CEO who was not able to do anything but stall for 3 weeks and then turn the case to someone else. All they do is give different phone numbers and ask for different paperwork over and over again. Hope to get a resoultion to my issue - will never deal with Band of America again. Funny- I want to give them money to pay off a loan and no one wants to talk

    help me on Long Island 9/23/11 7:17AM
  • Due to what I was experiencing with Bank of America I was planning on closing my checking business checking account so I drew my account down to about $50. Then all of a sudden they started charging me overdraft fees on a credit hold that they put on the account and then charged $100 credit hold fee, this produced a negative balance and then they continued to charge me overdraft fees on their overdraft fees. All this was done with absolutely no notification to me. This is an excellent scam that puts Bank of America on level with gangsters and pimps.

    After doing an analysis of my account I would have never had a negative balance. Bank of America behavior and unfair, relentless banking practices are the only reason for this account going negative. Now I am being hounded by a collection company. I have been a customer at Bank of America for over 20 years. I am speechless at the customer service that I am being subjected too I really enjoy calling Bank of Ameirca. After several attempts and countless hours, I finally got to speak to a real person, but that person could not help me. It is amazing that the Obama administration found it in there infinite wisdom to bail out Bank of America with our money, this allowed Bank of America to stay in business and continue screwing all the citizens of this great country. After several attempts at trying to resolve this issue with no luck, I was speaking to a phone associate who, when they could not help ask that I not be abusive or they would disconnect, this is amazing considering that after countless hours trying to reacj someone and just pointing out there poor service makes that turn out to be abusive abd then they threatened me. All I can add is: "Bank of America Sucks" "Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks""Bank of America Sucks".

    "Bank of America Sucks" 9/22/11 4:09PM
  • Hi, I tried several numbers( Including these)
    nothing is working out...........
    I am in a big trouble of my loan, i need to talk to some,call me@ 480-209-1771
    awaiting,
    maddala

    maddala 9/22/11 8:20AM
  • Due to what I was experiencing with Bank of America I was planning on closing my checking account so I drew my account down to about $100. Then all of a sudden they started charging me overdraft fees on any charge that came in until I had a negative balance and then they continued to charge me overdraft fees on their overdraft fees.

    After doing an analysis of my account I would have never had a negative balance without all their overdraft fees. Now I am being hounded by a collection company. I sent the collection company my analysis since I couldn't seem to reach anyone at BOA. I told them that they needed to clear this up, they didn't. So, as all of us should do, I am now turning this over to my attorney to file a claim in small claims for five times what they claim I owe, plus attorney's fees. It is my opinion that they have now tarnished my credit record and I am due compensation.

    PG Rush 9/20/11 8:58PM
  • When B of A forecloses on a property they do not secure the property make certain water and electricity is turned off and contact law enforcement to alert them of the foreclosure status and that no one has the authority to be on the property be in the property or live in the property and ask them to be on the lookout for anyone doing that and if so prosecute to the full extent of the law.By them not doing so they lower the quality of life the safeness and security of the areas their foreclosures are in. When concerned residents contact them concerning the properties having been broken into and being occupied for various reasons such as drugs,illegal storage,sex crimes, criminal hideouts and more they take no action at all. When you call you keep getting transferred to someone else that their only interest is to get you off the phone. And when you ask for a direct number to call them back for the information they didn't have on hand so you aren't on hold for an hour again they give you some fake ext. number and name that nobody knows when you call back.Here in the city of North Miami beach the police don't need an excuse to not do their job. And Bank of America and their property retention dept. certainly doesn't help the citizens get the tools to make them do their job. These incidents and more reminds me of the news special seen on TV where B of A would pay people ten dollars an hour to forge signatures on illegal foreclosure contracts. B of A doesn't deserve to have America in its name. Taking so much and giving nothing B of A gets an F

    Legal Action 9/19/11 8:29PM
  • Terrible Bank of America Home Loans (took over my Countywide mortgage)policy regarding getting release of insurance claim check for repairs to home due to storm damage. BoA is the mortgage (additional payee) holder and I can not schedule more than one contractor because do not have enough insurance claim check money to schedule more than one contractor at a time. They hold funds until work is done and "inspected" for completion by a BoA inspector. Thus, I have lost over 10 weeks getting additional repairs. Contractors booked up into 2012 now.

    al1433@aol.com 9/19/11 8:57AM
  • Bank of America customer service representatives are rude and uninformed about the bank's policies and procedures when it comes to home loans. 98/100% of the time they give in accurate information. I don’t know where the service is in the customer service. I have so much stress, when I call them I don’t need any added. Bank of America should fold and give everyone a break from the high mortgage rates.

    kid 9/17/11 1:23PM
  • When I called to report that my debit card was missing, I was connected to a cold, rude, unfeeling robot of a human. She kept prying into my life even after i told her my address, SSN, DOB, types of accounts. She asked about the ammount of my last transaction and the location of the ATM and my father's DOB. When I couldn't answer a question exactly the way she wanted, she started yelling at me about needing me to answer all the security questions and was clearly suspicious when she asked me if someone else was on the line. Thank god my phone chose that moment to run out of batteries because the next representative was infinately better. Brandon, as he introduced himself, expressed sympathy that i lost my card, only asked my the necessary information about me (because after all, its MY card) and was extremely helpful in getting my card sent to a different address. People like him who end the conversation with wishing me a good day redeem BOA's horrible reputation for customer service.

    Not Everyone is a Robot 9/17/11 12:28PM
  • I have spend an hour today and at times spent over 3 hours on hold being transferred everywhere by untrained staff. How can a company like this function? This is so irritating. I have 10 accounts with them and I have to move from here.

    bankofamerica 9/17/11 10:08AM
  • I've been a BofA credit card holder since 1997 and am insulted and disappointed by their treatment. I have NEVER been late with my payments, pay my balance in full each month and only ask that they treat me (and all customers) with respect. Respect is a swear word with BofA! Profit is the only word that they understand regardless of how they get that profit. ALL the management that I've dealt with are full of BS and not ashamed of how they treat their customers. Customer Service is rude and all but non-existent. BS, Excuses, Lies and Profit! That's BofA's credo!

    Anonymous 9/17/11 6:20AM
  • BOA SHOULD BE NAMED THEFT OF AMERICA. THEY DELIBERATELY MISLEAD PEOPLE AND STEAL THEIR MONEY. WHEN IS THE GOVERNEMENT GOING TO DO SOMETHING ABOUT THE BANKS IN THIS COUNTRY. THE WORST CUSTOMER REPS IN THE COUNTRY. AS A CUSTOMER REP I CANT IMAGINE TREATING PEOPLE THE WAY THEY DO. THE BEST PART IS THEY GET TAXPAYER MONEY TO TREAT PEOPLE BADLY AND TO NOT GIVE LOAN MODIFICATIONS. NO SUCH THING AS A LOAN MODIFICATION WITH BOA-ITS FRAUD.FRAUD.FRAUD.

    Anonymous 9/16/11 4:41PM
  • I will never ever deal with BOA again. Tried to get a loan modification and was told they didn't have suffecient paperwork even though I had sent it. After several attempts of this we finally were approved for a trial loan modification. We made every payment on time during that time. Then they sent us paperwork for a new loan modification that was only $100.00 lower than our original mortgage. What a sham! Never did get a loan modification. I laugh everytime I hear about the "Making Home Affordable Plan". The banks don't really want to cooperate with this program. Just want to stick to the comsumers! As a side note, I do not believe the Positive comments made by the BOA Employees on this site. BOA probably thought someone should put a POSITIVE spin on this mess!

    Disgusted 9/16/11 2:04PM
  • Bank of America is an absolutely horrible company to deal with for any reason!! I am a Realtor and have had to go through BoA several times for short sales. BoA is notorious for taking FOREVER to close and for giving everyone the "run-around". I tell buyers who are considering using BoA for their loans to go to any other lender and avoid BoA at all costs.

    realtor 9/16/11 12:00PM
  • We have been trying to close on a mortgage through Bank of America for almost 2 months now. We have now missed 3 closing deadlines with our sellers! The sellers were nice enough to let us move into the house and pay them rent, (because our apartment lease expired and we had nowhere to live!), and we all assumed closing would be any day now. BoA is very slow to return our calls, they keep asking for the same financial documentation over and over (we have submitted one thing FOUR times now), they keep asking for "just one more piece of documentation, and then we'll be ready to close." I've lost count of how many times BoA has told us they would give us a definite closing date "within 72 hours." We have nearly perfect credit, we're putting 60% down, and my husband and I both have good jobs. Yet we can't get BoA to finish up on a relatively SMALL mortgage!!!!!!!!! I would NEVER recommend BoA for a mortgage to ANYONE!

    angryhomebuyer 9/16/11 8:05AM
  • Thee worst bank in history...I cannot wait for 9/15 to arrive to close out my accounts. I will stick to the credit unions

    tancozy 9/14/11 2:14PM
  • Am closing my account, I simply won't deal with this bank anymore.

    Changing Banks 9/14/11 1:51PM
  • For all of you current BofA customers.....get ready for increased service fees and even LESS "customer service" if that's possible! Under the current Management Team, 40,000 employees will be let go, branches will close and fees will go up! Close your accounts and move to a real bank now!

    Anonymous 9/12/11 3:37AM
  • TRANSACTION DENIED:
    I am a long time BA credit card owner who pays off the balance each month and has for years! I went into Walmart, where I shop 8-10 times a month, and my transaction was denied, flat out.

    I could not imagine why. I had been in the grocery store 2 days before, using the same credit card. More importantly, I had been online 2 hours earlier researching my latest CC transactions. I could not imagine what was wrong. Fortunately, I had another card and was able to close the transaction properly. I was embarrassed and infuriated because there seemed to be no cause.

    When I got home, the first thing I did was to check my payment history. That was fine. Then, I called BA and this is what transpired:
    The agent first asked me some identity questions, one being my email address. He gave me reason to believe that the one on record was different than what I quoted [later, I checked and it was correct]. Then he said OK, SO SORRY and that he'd release the hold. But, WHY, I asked was it on in the first place. Well, it turns out that I did a transaction online in which I may have typed in the WRONG EXPIRATION DATE. This transaction was for $25.

    Lingering questions:
    -- Why didn't I know that my account had a hold on it while I was online earlier?
    -- Why was the agent so ready to release the hold when he hadn't even explained it or asked me to verify the transaction in question?
    -- Why didn't the transaction reject on the online transaction?
    -- Why didn't I get a CALL BA message rather than a DENIED message?

    I'm ready to change my account over to Capital One after multiple issues with BA. I already have a CC with them and have had nothing but stellar experiences with them so far. BA could take some lessons!

    Deejay 9/11/11 2:10PM
  • I OPENED AN ACCOUNT LAST WEEK IT WAS MY FIRST BANK ACCOUNT WITH THEM I DEPOSIT MY CHECK AND EVERYTHING PICKED OUT MY DEBT CARD AND RECEIVED A TEMP CARD!!! FRIDAY I RECEIVED MY CARD THROUGH THE MAIL AND SATURDAY I TRIED TO ACTIVATE IT....BANK OF AMERICA HAD CLOSED DOWN MY ACCOUNT AND I COULDNT GET MY MONEY I HAVE TO WAIT ON A CASHIER CHECK TO BE SENT!!! THE FACT IS WHEN I CALLED RISC THEY TOLD ME THERE WAS NO REASON FOR CLOSING THEY CAN DO SO AT ANYTIME FOR NO REASON. I WAS VERY PISSED OFF THE CUSTOMER SERVICE WAS RUDE AND DIDNT HELP ME SOLVE THE PROBLEM DIDNT GIVE ME ANY ADVICE NOTHING AT ALL. SO WITH THAT BEING SAID BANK OF AMERICA IS THE WORST BANK TO GO THROUGH I CAN EVEN PAY MY BILLS I HAVE TO WAIT FOR MY CASHIER CHECK TO COME THROUGH THE MAIL!!

    ERICA 9/11/11 7:36AM
  • Just tried to PAY my bill/loan...was prompted to other services, clicked on a link for live support, couldn't help me....REQUESTED I Call them.......called them, hit about 10 different prompts...then got disconnect on their end......no wonder we bailed out banks!!!

    gregorys01 9/9/11 11:38AM
  • Customer service at Bank of America home modification department is nonexistent. The continued incompetence over eight months cost us our home. I have 21 pages typed of what we went through with this bank and have turned it over to the State Attorney General of Arizona. Their department is disgusted by what Bank of America did to us and have included us in the lawsuit Arizona has against this unscrupulous bank.

    CJ 9/7/11 2:43PM
  • I had one of their credit cards. A few years ago they mailed me checks which I never received. Somehow over $40,000 in bad checks were written and they are still holding me liable. I have been fighting them for years and they have ruined my credit! I can't get anywhere with them.

    Dr Tony 9/7/11 12:32PM
  • Seems uninterested, do not care at all about the customer. Once i said "so your website is fuked?", they got offended and hung up. Useless.

    mikeeee 9/7/11 12:25PM
  • So far filled out all the paper work and was denied 3 times for loan mod. They keep sending me the white folders to my door step but they have no intentions of helping. They Dont care about people and their financial problems even living in a depression, they dont care. I feel there will be serious repercussions from people to BOA whenever this bad economy ends. Ill never forget the way ive been treated and the women and men with their bad attitudes , waiting on the phone for 2 hours then getting disconnected

    USED2Livnice 9/7/11 10:29AM
  • Do NOT finance with Bank of America! We had the WORST experience ever. I am very familiar with the refinance process and know the costomer service was HORRIBLE. I gave $400 for the start of my mortgage refinance. I was then dealing with 3 different people (loan officer, loan processor, and underwriter) all saying I needed different documentation. After the processor lost the documentation that I faxed twice, I decided to loose the $400 I put down and went with another company. Sad part is, I was refinancing my loan that was already through Bank of America and ALL my previous payments were not only on time, but early. It should have been easy to refinance through them, right?

    Anonymous 9/6/11 7:12AM
  • Tried both Cust Svc #'s (877- & 800) - no answer - need a call back to discuss my mortgage loan and homeowners' insurance: Pls call me @ 516-974-9323.

    Anonymous 9/5/11 3:33PM
  • the customer service reps are not properly trained. They need to provide a packet of emergency phone numbers for people going abroad. My daughter's ATM card was eaten by the machine. She called right away, but no one told her that she could get emergency cash. In Rome with no money!!!!!! Finally I made calls and someone told me about the cash capabilities, but gave me the US number not the international one. I am on my daughter's account but was then told he couldn't give me information since I had a separate profile. Meanwhile 3 previous people gave me information, although incomplete and I had to call back several times and wait on hold for at least 10 minutes. I asked for a supervisor and was finally helped.

    Anonymous 9/5/11 10:39AM
  • As a long standing customer of BofA, it saddens me to read these postings about the treatment other people are getting at the hands of these clowns. I can only tell you that BofA DOES NOT CARE ABOUT YOU OR YOUR PROBLEMS. They only care about one thing----HOW MUCH MONEY THAT THEY CAN SCREW YOU OUT OF! Take your money and move to another bank before they start closing branches and freezing accounts. With the current Management Team running things, the banks future is very, very troubled.

    Anonymous 9/3/11 12:20PM
  • BOA absolutely is the worst bank ever and cannot wait to move my business. They recently charged me $300 in fees on a $1,300 overdraft. A mafia loan shark probably would give better treatment by these thugs. When I threatened to move my business, they gave me a courtesy credit of $35. Jerks.

    jeff 9/3/11 9:23AM
  • Here we go.....BOA has no customer service. BOA has ding-bats that cannot manage basic English. I spoke with three support females that I could not understand enough of their bilingual skills to satisfy my question. I will not take space here to detail my question. Trust me, it was a basic ShopSafe question that I could not get satisfied.

    Jim J. 9/3/11 5:18AM
  • I am trying to pay my bill like always through your telephone customer seervice line(1-800421-2110). It has been ringing busy since around 6:30 am EST? I have also tried 1-877 231-1000 it rings busy as well...... Please reply back today with a good number I can use to pay off my balance... email charles.younker1.ctr@andrews.af.mil. Or call me at 301-653-1314 or OFF. # 301-981-0233. Thank You

    Anonymous 9/1/11 6:21AM
  • I've been a customer for 18 years. I won't even bore you by discussing the nearly $8k in fees that they forced me to pay for - as the class action settlement confirmed that it wasn't my mistake after all (despite BofA's blame shifting - which apparently is protocol). Now lemme discuss what JUST happened (and is currently ongoing):
    Monday - I woke up to find my checking/savings account frozen. I call to find out I have a tax levy freezing my account, until I pay off the $950, so I say oh...well alright. They'd removed every cent I had in there (remember this, it's important) so it left me owing around $700. Within twenty minutes, I deposited $1200 because I know how BofA loses my money, I figured I'd go way overboard. Monday ends with my balance at over $1k because of my deposit. Tuesday comes, and my power company calls to say Oh hey that check you wrote us just bounced - so here I go calling BofA again. 2 hours later I'm told they both did and did not stop payment on my outstanding checks, so I said fine and paid my power bill using another checking account, but guess what happened next. Rather than the stop payment I have paperwork confirming, they went ahead and posted my outstanding checks, 3 times (also an error) and then, because that made me nearly negative (again) I got hit with 3 $35 overdraft fees. So I put in more money. I walked to my local branch, had a conf call with the legal department, signed and had notarized documents and receipts showing my tax levy would be removed within 24 hours, everything was satisfied, and I could use my account again by the following day. Well that's today. They've lost my notarized documents. They've not released my funds. Now the funds I DID release, to unfreeze my account - will not be sufficient to pay off the tax levy due to penalties from tax folks - so I'll have to do it all over again. I've spent 18 hours in 3 days on the phone with them. I've spoken to Sal, Jonathan, Rocky, "Ms" Bone, "Ms" Moore (women aren't allowed to give first names), Jacob who hung up on me twice, I've spoken to Jay and his supervisor Michael. Not one time, even after saying "We can't seem to find the documents" do they admit that THEY lost the documents. They admit they're missing. They admit I have confirmed notarized, signed by 2 employee documents stating it DID arrive...they still shirk the blame and expect me to just call back tomorrow. I really don't know what else to do at this point. It's been 4 days since I've eaten and I've done cartwheels trying to comply with their rapidly changing requests. Tomorrow I'll probably start vomiting stomach acid so I'll be too weak to call and complain. I just felt like my death shouldn't really be in vain since I've done as much as I possibly can and they still f*ck up. Goodbye cruel world.

    Astorian11102 8/31/11 2:17PM
  • The absolute worst customer service you get 20 different people with 20 different answers and no notes are EVER taken. We are in the process of loosing our home because B of A gave us the same incorrect information 3 different times by 3 different people. I was laid off tried to do a remod and that took 9 months to get an answer on because paperwork wasn't done or lost so many times. Then when I started working we called to see how much $ we owed to be caught up and was told the same amoutn 3 times borrowed the money and paid that amount June 8th and on June 10th they put us in foreclosure. During the time we were doing the remod they held all of our payments we made in a "hold" account causing it to look as if we were 7 months behind when we were actually 1 month behind due to me being laid off. The customer service agents told us the wrong amount to pay all 3 of them gave us the same amount yet is wasn't correct. Needless to say our home wen to foreclosure. We contacted our District Attorney to file a complaint and now they want to work to resolve it and applied all of our money to our account and sent us a remod to raise our payments $100 and our total mortgage about 10k. Why are we having to pay for their mistakes. THEY DO NOT CARE THAT WE ARE A FAMILY OF 7 JUST COMING OUT OF A STRUGGLE OR THAT THEY WOULD HAVE HAD THE CORRECT AMOUNT IF THEY WOULD HAVE GIVEN THE CORRECT AMOUNT. BANK OF AMERICA DOES NOT CARE ABOUT THEIR CUSTOMERS AT ALL!!! Their customer service needs more training and notes need to be kept better. SO NEEDLESS TO SAY BECAUSE B OF A MADE AN ERROR THIS FAMILY OF 7 WILL PROBABLY BE HOMELESS

    FACING HOMLESSNESS 8/30/11 2:19PM
  • I have had a **FREE** checking account with BofA for over 10 years. Today I saw that I had monthly service fees applied to my account. I called their Customer Service Line and asked why the change and could I get the fees reimbursed to me. They told me know that they sent a disclosure in my monthly account statement. I explained to them that I did not receive it, they said yes you did and would not refund the fees. Now mind you we are only talking about 24.00. It is not much, but it is alot to my family. They told me the introduced the fees because of the economy, the economy that they are stealing money from and hey why I am on my pedal stool, My tax money bailed them out, but hey they forgot that part. Anyway so I escalated the call 5 times for them to tell me we would rather loose your account then refund the fees. So BYE BYE bank of america. They really don't care about the small clients, I guess if I had millions it would be another story.

    pbowings1977 8/30/11 1:42PM
  • First of all I never want to buy a house or refinance after the nightmare of getting an FHA through B of A. Lost paper work delayed closing dates etc. But my complaint is that my taxes and insurance went up as did my payment. I do online banking also through B of A and my online account did not indicate a raise in payment. I recived nothing by mail either. So I maid my August payment on july 25th which they evidently applied to principle so it appeared as I maid no payment. I sent my sept. payment on august 19 which they said they mailed back to me as they can't take partial payments. (unless they feel like applying it to principle evidently) Long story short 15 phone calls later and 15 different answers It is still not figured out. B of A has lost my buisness I am pulling all my accounts I only wish I could pull my mortgage too.

    angelakafreak 8/30/11 5:51AM
  • For all the folks who are having difficulty dealing with BofA-----just keep in mind that they DO NOT CARE. If you go to a pet store because you want a fuzzy little bunny rabbit, don't take home a rattle snake instead. BofA will never understand or care that poor customer service is driving customers away, so take your money to a bank that will provide CUSTOMER SERVICE and appreciate your business.

    Anonymous 8/29/11 11:17AM
  • Called bofa to inquiry about items posting incorrectly. I received the same rehearsed line, I escalated the call only to be belittled by a supervisor (Carlos).
    This is the absolute worse company and customer service.

    I thought a lawsuit would get there attention, maybe more $$$ this time.

    Anonymous 8/28/11 10:00AM
  • BOA is terrible,they stall & keep asking for the same info.,they always appear to "loose" info sent or constantly want "updated"info.only to keep the wheel going & not making a decision,until its too late & you loose your home....

    mag19531 8/27/11 7:29AM
  • I have a problem with BofA Bill Pay. I have the correct ATT account number yet when BofA makes the payment the money goes into the wrong ATT account. BofA customer service people are idiots. Absolute idiots. They barely read the customer's emails and then their reply is a canned answer that does not solve the problem. They do not investigate why money is going into the wrong account.

    gio 8/25/11 9:35AM
  • Bank of America is terrible. I have companies that refuse to stop trying to pull money out of a closed account.. Which of course is causing return item fees. Bank of america says there is nothing they can do about this.. I have been in contact with them trying to work this situation out. Well today I found they took it upon themselves to remove $600.00 from a different account I have. When I called the rep stated that BOA had all the rights to do this without notification. I find this really unfair given I was not told or given a solution to stopping these never ending returned fees. So I'm suppose to pay you this money and all you to keep charging me with no end in sight! This is the worst banking and customer service I have ever received. I will surely be contacting a lawyer about this..

    LuckyIL 8/24/11 4:01PM
  • I would like to know why B of Amer. and other banks don't take more interest in Insurance Claims against propery which is virtually owned by Bank of America? Why are the banks allowing the Insurance Companies to rip off their customes and the Banks? Allstate Insurance paid a contractor(I did not hire nor did I have a contract with)$30,000. Allstate paid it out of my claim money without my approval or knowledge and did not have B of Am. or my name on the check to make sure it was correct. Why is the bank not taking more interest in how Insurance companies are ripping us off? The Banks are stuggling and the Insurance Companies are making out like bandits. They are behaving like criminals...stealing money out of policy holders accounts. Don't tell me to sue to Allstate. I don't have the funds to do that. Most people don't. The Banks are missing the boat by not addressing this issue with Insurance Companies. Private insurance companies own this country, our healthcare system and the banks obviously and no one stopping it. Why is that? Why does it fall to the individual to deal with them or take the loss? Bank of America stock is at $6.00 a share...want to increase your coffers? Want to have as much money in your reserves as the Insurance companies? Go after the Insurance Companies and make sure they pay what it takes to make the home whole again. It's not only the person's investment, it's B of America's investment. Allstate ripped me off and you too. Why isn't the bank taking a closer look at the losses here? The bank sends out inspectors when the house is built back to insure it's done right, why not send one out before the Claim starts to be sure Allstate is actually paying for what has been insured. The public needs to know about this. If any of you have a serious loss, HIRE A PUBLIC ADJUSTED BEFORE YOU CALL THE INSURANCE COMPANY TO REPORT THE CLAIM!!!!!!!! You are going to need one, I promise.
    Madeleine Burdette, GA

    Madeleine Burdette, GA 8/24/11 11:22AM
  • Bank of America is staffed by some of the most dim witted Management and Customer Service employees that I have ever run across. They lie constantly just to shut you up! They can't resolve the simplest of problems and seem extremely proud of the fact that their customers hate them! Close your accounts and move your money to a real bank!

    Anonymous 8/24/11 10:08AM
  • I just recently decided to do my first mortgage with boa. Me my wife and 18 month old were so excited about this house. New, cheap, and great location for us as a family we called the agent and got all the paperwork set up after we was preapproved twice. Decided where the babys room would be things we could do with the new house to help make it OUR home. 3 days before closing boa declined us causing us to lose our rental agreement with our landlord missing days at work and having to move in less than 7 days due to lease contract. Very stressful! I hope no one goes with this bank. They are very nonprofessional no person should go thru what me and my family has. I just want to say thanks boa for making my dreams far from reality I hope you never get another customer!

    dontbother 8/24/11 8:46AM
  • I just recently decided to do my first mortgage with boa. Me my wife and 18 month old were so excited about this house. New, cheap, and great location for us as a family we called the agent and got all the paperwork set up after we was preapproved twice. Decided where the babys room would be things we could do with the new house to help make it OUR home. 3 days before closing boa declined us causing us to lose our rental agreement with our landlord missing days at work and having to move in less than 7 days due to lease contract. Very stressful! I hope no one goes with this bank. They are very nonprofessional no person should go thru what me and my family has. I just want to say thanks boa for making my dreams far from reality I hope you never get another customer!

    dontbother 8/24/11 8:45AM
  • Bank of America does not care for their customers. They pass you around like a piece of paper and no one wants to help you. They claim to care for their customers until you have a problem. They all look at a computer screen and say I am sorry this is what I see. Instead of working with you they want nothing to do with you. My card was closed due to they state thay I have a history of late payments. I have my credit reports with no late payments what so ever in my life. I speak to a supervisor same thing. This is all I see and your card can't be opened. There was not even a let me look into this. They cannot even prove to me in any way that I was late. It shows you the Bank of America does not care what so ever.

    claznow 8/24/11 7:03AM
  • Wow what the hell is up with BoA. You're guy's options are SO LONG LISTED... why can't you keep it simple when a customer is trying to get a hold of a damn representative. Your values for helping customers is POORLY constructed.

    No offense but I strongly believe Wells Fargo's phone line is more well ordered & SIMPLE & better because 1) you get to speak with a LIVE personASAP 2) they're 24/7 and c'mon now you're guy's business BoA is ridiculously slow.

    Jamielyn 8/24/11 6:21AM
  • I completely agree w/all these comments. They are rude and drag their feet when it comes to resolving a problem. I've been with BoFA for over 4 years now but have noticed an increase in hidden fees here and there w/out my authorization. I wouldn't recommend this bank to anybody and in fact feel like they should be held accountable for their actions instead of trying to push the blame on someone else.

    NA 8/23/11 7:55AM
  • Why can`t they have a REAL LIVING person on the line not a machine???

    Anonymous 8/22/11 10:05PM
  • I had been with the BOA for 10 years before they made vast changes to their staffing, strategy and policy. Now they are the worst of the worst when it comes to customer service. They are corrupt, untrustworthy and definetly not a bank to do business with.

    Luv4boats 8/22/11 5:38PM
  • Bank of America is really pissing me off. they keep adding fees to my account when its over $100 so they take money from my saiving then anohter fee out of my checkings. now im at a 0 balance and i cant get in contact with them because of course they are never helpful. no online agents or agents on the phone. so how am i supposed to get this fixed when no one is there "after hours".!!!!! as soon as they are open again im canceling and doing business else where. quite sad really when you cant give great customer service. its not hard

    chels_cap1 8/20/11 5:55PM
  • It's funny and sad at the same time to read these comments and watch BofA just falling apart because they REFUSE to listen to their customers. Arrogance, Bad Attitudes and plain old lack of Customer Service is bringing this bank down! Don't be surprised if they going running to the Feds for another bailout with your money. This bank is NOT too big to fail!

    Anonymous 8/19/11 3:38PM
  • what is going on with Bank of America website. I have been trying to get on and access my account all day. Customer Service can't provide answers

    unwind 8/18/11 9:59PM
  • To sum it up: Very incompetent employees working there and impossible to get in touch with anyone with any authority! When I asked for a higher up in one of their mortgage departments, they said there wasn't anyone. I said are you the VP then or the President? I would not get a mortgage at B of A, nor a checking account or even a free account of any kind. If they are still in business in a year, I would be amazed! Take your business elsewhere!

    B of A is the worst ! 8/18/11 12:26AM
  • I HATE BANK OF AMERICA, THEY ARE STUPID, USELESS AND IMPOSSIBLE TO DEAL WITH. IT IS IMPOSSIBLE TO REACH THEM BY PHONE EVEN THOUGH DIRECTORY ASSISTANCE WILL GIVE YOU A PHONE NUMBER FOR AN INDIVIDUAL BANK, YOU ARE DIRECTED TO A CALL CENTER. GOING INTO THE BANK IS ALMOST AS FRUSTRATING AS CALLING. WHEN YOU WALK INTO THE BANK THE ALWAYS ASK HOW THEY CAN HELP!!!!!!!!!!
    I WISH THEY WOULD OFFICIAL GO OUT OF BUSINESS !!!!!! I WISH THEIR EMPLOYEES NO HARM, BUT A LOT OF THEM ARE INCCOMPENTENT... I'M SO FRUSTRATED AND ANGRY I AM BESIDE MYSELF.

    I SWEAR I AM GOING TO CHANGE BANKS!!!!!!!!

    BOYCOTT BANK OF AMERICA 8/17/11 12:20PM
  • Worst customer service ever. Signed me up for making homes affordable plan (nightmare)had me pay the "introductory" payment and then demanded the difference in one lump sum because i didnt "qualify" and threatened foreclosure. You get a different story each time you speak to a different rep. The automated phone system is horrible. It takes forever to get a human on the phone.

    Anonymous 8/17/11 7:15AM
  • Why the hell does BoA not have a phone number shown on their web site? Their site is terrible to find info needed.

    lleejohn 8/16/11 9:40AM
  • I am beyond frustrated. I have been trying to log into my BOA account for 5 days without success. Today I went to the bank. They gave me a phone number to call. I called three times. The first time, after waiting for more than 20 minutes on hold for a real human, they dropped my call after 5 minutes into the actual call. The second time, the call dropped 5 minutes into the hold messages promoting BOA's services and quality of services. The third time after 15 minutes wait time, I was told by the person I spoke with that she had to transfer me to a specialist. She transferred me back to the original hold music. I'm now 26 minutes into the call with no progress toward resolving my issue.

    kfuller 8/15/11 5:54PM
  • bank of america is the worst bank ever, i am from the middle east and our banks dont charge us all these fees for nothing or just because our account didn't have a specific amount in them... my job pays me with a check and my checking account charge me 8.95 a month because my job doesn't direct deposit my pay check.... all they do is tell me to open a different account called enhanced account that i gotta keep a minimum of 2000 or pay 15 dollar a month maintanance fee.... wtf... they abviously have not heard about customizing thier account to fit their customers need.. what a rip off. the funny part is that i don't even make this much interest on my saving account... GOD BLESS CREDIT UNIONS AND OTHER BANKS THAT ARE NOT BANK OF AMERICA.

    I HATE BANK OF AMERICA 8/15/11 5:22AM
  • I have unfortunately been a Bank of American customer for over 20 years. My husband wasn't working for six months and we fail behind in our payment excluding, mortgage and equity payment. I was told your credit score is to low so don't even think about asking for a loan. Good advice and thank you for your help, that's what you call great customer service? I know that now that my husband is working, plus we have his 2 retirement pays, my pay, and will be going overseas, we are going to close our accounts.

    Anonymous 8/14/11 10:36AM
  • I had a series of horrible experiences with Bank of America in past months. I have e-banking only Checking account and E-saving account with them. So, I can only use online banking and can’t resort to any usual banking services from branch. I made a transfer from my savings account to my checking account online and it showed that my transfer was made immediately. It even changed my balances from both accounts. After a day when I logged on to my online accounts, it showed that nothing has been transferred from my Savings account and the balance in both the accounts appeared same. So, I thought may be for some technical glitches my last night’s transfer didn’t go through. So, I made the transfer again (of the same amount). It again showed that the transfer was made immediately and it was completed. Now, the next day they charged my Savings account $35 as Negative balance fine. It showed on the fine explanation that I made a transfer while there was no sufficient fund on my savings account! Strange! Even when I made the transfer it showed that I had sufficient amount on my savings. It also showed the transfer was successful. There was no warning of any sorts. And all of a sudden they are showing it has a negative balance. The real bitter part of the story starts when I called their West Virginia call center for an explanation. It seemed the customer associate was convinced by my depiction of what happened and decided to refund me the fine. However, once she tried to do so it didn’t go through. Her system was blocked and she passed me to her supervisor. I explained the whole situation again and she also tried to refund me but again it didn’t go through . Then came the most obnoxious manger in the scene. I was kept on hold for about 30 mins and by then I was on the phone for almost 2 hours. The manger right away declined to refund me without a reasonable explanation. When I told that two of her staffs had already made the decision to refund me the fine but couldn’t do so without her system authorization she simply declined to explain. Then to my amazement she got agitated raised her voice and after a while SIMPLY HUNG UP. I was so dumbfounded by her attitude and the way they handled the whole situation.
    Now, the fine which was levied on me was illegitimate and wrongfully imposed. Even two of their employees have passively acknowledged that and decided to refund. But the surprisingly agitated and out of control manger failed to show any sign of customer service there. She failed to maintain any sorts of customer service.
    I have now Negative $35 on my Savings Account and I want to withdraw all amount from my Checking and finally close both my accounts with BoA without paying the fine on my savings account (as it was most definitely wrongfully imposed on me.). What should I do to close my accounts without paying the fine and what could be the likely consequences in the future? Be frank and I would highly appreciate your frank remarks. Thanks in advance.

    witness 8/13/11 4:13PM
  • I have a mortgage loan with Bank of American and my payments are made through electronic sure pay payments. I have changed banks and have been trying to contact someone as to the proper procedure to do this. If I need to fill out another form and send in a voided check, please contact me and let me know. My bank is BofA Alma School Rd. and Chandler Blvd. Mesa, Arizona. Therese Loquidis - tloquidis@cox.net.

    Anonymous 8/13/11 2:52PM
  • Bank of America is so far from caring about their customers it's ridiculous. From their disgusting customer service to their fraudulent lying. I think they are actually trained to lye and decieve. They have tricked people into re-fi so that they would not qualify for the modification program....not that they were going to actually help you anyway!!!!!

    Bank Of Agitation 8/13/11 9:38AM
  • Contact the CEO, Mr. Brian Moynihan directly. BofA is so poorly run by the Management lackies that your complaints and concerns never get through. This bank should be closed down and it's money repaid to all of the people it has screwed over the years. Look at the stock price and the huge number of complaints. Does that tell you something? These people will NEVER get their act together!

    Anonymous 8/13/11 5:48AM
  • Mortgage application process. After *7 weeks* to process the loan, they asked for (and only after calling them to see what was going on) a pay stub for my husband, who was not on the mortgage.. ONE HOUR before they told us we could schedule the closing. This is amongst issues like losing paperwork numerous times along the way and dodging phone calls, I wouldn't go with BOA for a loan again if they made the monthly payments for me. Their rates may be .1% lower than other banks but this process has taken 5 years off of my life.

    Anon 8/12/11 7:47PM
  • asked them why they did not credt my FIA master card on date they recv'd my payment
    and holding it 3 weeks till past due. Response we can do whatever we want cuz we sez SO. FTC says nutting we can do, Congress ignores letters and keeps bailing them out with taxpayer $$$$(fine included).
    These abuses will continue until the people force Congress to repeal the immunities for
    Judges, US Supreme court, prosecutors,
    politicians and their appointed friends.

    Anonymous 8/12/11 11:47AM
  • thieves. BOA treats their consumers as if they are uneducated and stupid. Someone need to stop BOA from stealing consumers money in the name of policies that are made up as they go along.

    No matter whom to speak with there is never a resolution just stalling in order to keep what does not belong to them.

    Anonymous 8/12/11 10:59AM
  • thieves. BOA treats their consumers as if they are uneducated and stupid. Someone need to stop BOA from stealing consumers money in the name of policies that are made up as they go along.

    No matter whom to speak with there is never a resolution just stalling in order to keep what does not belong to them.

    Anonymous 8/12/11 10:59AM
  • It is my impression that BOA is moribund and so encased in corporate armor that they would rather endure hundreds of millions in settlements and defaults than actually bend a little and work with their clients. Discover cards is vastly more flexible and their numbers show it. From personnal experience I went onto a decent payment plan with them in one phone call, but 20 phone calls later and BOA is still trying to ream me out.
    I have 3 BOA credit cards. One is late. I tried numerous times to work out a reasonable payment schedule but the programs they claim to have are disingenuous. No one above the financial complexity of a teenager can qualify for the hardship program nor anything else. So I await a settlement offer even though ready and willing to start payments immediately. Even the last rep agreed BOA terms were unmotivating.

    Cbruce 8/12/11 9:35AM
  • Tried to do modification. Before I did this modification I went to www.makinghomeaffordable.gov. I anwered all the question and I qualified. Our mortgage is more than 31% of our gross income. BofA denied us because we been paying the mortgage on time. On time because I had some saving when I worked. Now saving is exhausted. I wanted this modification so that I won't pay the mortgage late. They denied us based on we were paying it time. Just wanted to say they are blood sucking leeches. Have no compassion for people:(.

    hatebofa 8/11/11 7:37PM
  • I have been a customer for over six years. My accounts were arbitrarily closed as of Aug 1. I was not notified about this potential action as of specific dates. I got to know only due to 'insufficient amount' alert I had set up.

    I wasn't able to reach someone until 12 hours later. I wasn't able to see the accounts in my online login and this made me loose sleep. Finally, when I get on call with someone, that person talked to me like a jerk. Aweful!

    The person later was much better in resolution but he had no power to stop the account closures.

    The straw on my back was the fact that during the closure, the dimwit nuthead had not thought about transfers. As a result, my checking account was credited and the savings wasn't debited. This result in me having some negative amount. Now, the only resolution that the call center person suggests is to go the nearest bank and pay the negative amount of transfer.

    Overall, a big travesty.

    BrianMoynihan 8/11/11 7:00PM
  • Bank of America has very poor service. When the branch at N. Druid Hills in Atlanta was unable to open my safe deposit box, the Manager, Maria Isabel Velez said she would arrange to have locksmith come in and would email me an appointment confirmation. When I didn't get an email, I called the branch Manager, but she was too busy to talk to me and I was told she had not yet called the locksmith. The person answering the phone, Amoy, said she would take a message. I gave her a message and asked her to read it back to me. She said, "oh, I'm not writing it down, I'll tell her". It gets worse from here.

    BOA_should be ashamed 8/11/11 6:43PM
  • I have had a mortgage and credit card with them for years and years. Called for them to help refi our home and cut back on the interest for my credit due to hardship. They would not help at all. In my opinion I wouldnt even close on a loan if it had to be with bank of america and the fact that on this website alone there are only 25 good comments and over 600 bad should tell anyone about this company

    unhappy 8/10/11 2:36PM
  • BofA continues to loose customers and revenue but yet they remain clueless as to why. Their stock price is tumbling, their Management team is driving away long term customers and "Nero continues to fiddle while Rome Burns!" Close your accounts and move your money and business to a real bank!

    Anonymous 8/10/11 9:05AM
  • I have had a mortgage from BOA and I am so dissatisfied with any contact I have ever had with them! My husband took a job transfer and we purchased a duplex over 4 years ago. I stayed back in the original city for a year and applied for jobs in the new town while I continued to work in my job in the old town. I was turned down for many full time jobs because I was overeducated/overqualified, so I was working 3 part time positions for about a year and a half after I moved to the new town. During this time we were also trying to sell a home in the old town, so we were making 2 mortgage payments. Well we ended up not being able to keep up, sold the old home in a short sale, fell behind in everything, and finally had to file for bankruptcy in 2010. During this time BOA would not take any payments and assured me that I would get help through loan modifications when the bankruptcy was over. I believed them! I have now spent months sending them document after document and they keep saying that they didn't receive them or they still need more. Finally I received an offer from them and it was make double payments for 6-7 months. If I could afford that I would have been doing that all along! I also tried the loan modification before the bankruptcy and because I wasn't making enough money and the debt was so high, they refused to do anything. During that time I also sent and re-sent documents over and over. We have now had to take a loan through our 4O1K and drained the little bit of saving that we did have and we are still behind. The problem now is they are charging me for "drive by inspections" and late fees. These add up to over $200 a month. I asked them for proof that someone drove by my house and they give me the run around. I live in a very small community and at the end of a dead end road. There have been no strange cars on my road, nobody comes down the road unless they live here and I would have noticed them. I also get my bill and it gives me one amount and when I call to check and see where we are with catching up they tell me a different amount than is on the bill. I also received 2 statements today and they were different! When I called they said that more late charges had incurred. The statement was for 7/28/2011 and I called on 8/8/11 and it went up over $75. They just keep giving me excuses and explanations that do not make any sense and the numbers don't add up. I am never going to ever catch up at this rate and my frustration is at such a high level that I cannot even deal with them anymore. What recourse do I even have? I have followed their rules and done whatever they suggested, now what?

    WI Resident 8/8/11 5:43PM
  • Bank of America is the most corrupt bank in the planet. We are trying to buy our house in Eastern Washington they give us three times a credit approval and the kept dining it a soon as we got close to choosing a house they keep dining the approval. So we went to a different lender and we got approved with an a week of the application maw we are trying to buy a house that is a short sale true Bank of America and they still are give us chap. hope the disappear of the face of the earth they are garbage bank. This are not my last coments

    oogg 8/7/11 2:33PM
  • BAC is a horribly ran business the mortgage company sucks they donat process your payments properly they made a payment to an insurance company that i did not authorize them to do so .If I wasn't the type of person that called and managed my mortgage account I could hae lost my house.I do not like doing buisiness with BAC

    hateBAC 8/7/11 11:43AM
  • So recently there was some rumors going on that some debit cars numbers were compromised by playstation 3 players- my card, which was not compromised, was blocked preemptively and they issued me a new card. At least this is what I found out when I got back from vacation and got an automated message telling me that I should activate the new card they sent me. Not only did they not send me a new card but nobody called to tell me that my account was blocked in the first place! My records are always up-to-date with my bank and I am always with in reach if something happens. After jumping through several hoops to get a person on the other end of the phone I reached "Kyle" (the bionic sounding Indian man) who, in not understandable English, tried to explain to me that they blocked dozens of cards due to playstation scams and he'd have them issue a new card and block the second card they sent that never arrived.

    For crying out loud, if you are sending me a new card because you fear my account was compromised you need to CALL ME immediately. I was over a thousand miles from home- what if I had needed to use my card? What then?

    Anonymous 8/7/11 12:18AM
  • On Aug 5,2011 I went to bank of america chantilly,virginia branch for wire Transfer.The associates who helped me at that time is Sonia Zubieta,very very rude lady with no brain.
    They don't know how to talk with customer.
    she made a wrong amount transfer from my account which I didn't request at all.they didn't accept their mistakes.
    when transfer was done she just told me everything has been done upon my request and told me to sign.

    next day,I found the wrong amount was processed for transfer.when I went to bank to talk to available asst. manager Layhani V Jimenez,they both yelled at me saying that was my fault.They said they didn't do anything wrong.I should have notified them same day.

    she said her employee wasn't wrong.If she was right,why would i go to bank to say she was wrong.
    they both don't deserve to work in that bank,they better find a job in a grocery store because they are not running bank.
    very rude,irresponsible employee,and I am going to close my all account in that bank 100percent.I am very very upset.
    all folks,donot go to that bank.

    Pawan KC 8/6/11 10:41AM
  • HAve been trying to close a short sale with BAC, they are going to get the hosue back instead of $247,000.....the house is worth less then that now, BUT NOONE AT BAC cares, noone at all, supervisors, managers ....buyers are backing out because of the lack of response, how could a company be s o stupid to take a house worth about 200,000 instead of 247,000 in cash!!!!!!!

    Dealra 8/5/11 10:44AM
  • Bank of America needs to be investigated and shut down! We bail them out, for what? They lied to me so many times. I'm in a horrible situation because their reps don't know the correct info. Every person has a different story. I sent an insurance check in, and they can't find it! They gave me 4 different addresses. They lie, lie, lie. This bank is more evil than any! :) Very bad to deal with though... stear clear of this company if you can. I know others in my situation with them lying... or just lack of knowledge and talking out of their....

    Anonymous 8/4/11 12:10PM
  • WOW! BofA just keeps racking up more and more angry, dissatisfied Customers and soon to be Former Customers! Does that tell people what this company really thinks of it's customers? They don't care, will never care, and as long as they keep taking your money they will conduct business in the same ignorant, greedy manner. Vote with your money and your feet. Close your accounts and move your money to another bank!

    Anonymous 8/3/11 11:22AM
  • I myself under stand banking. I have neverr been treated like a number in my life. the only people that helped was the local branch and a person on the phone when I first called the office of the President. I only wanted two copies of offical check that were given to my uncle. One was for $7,000/$5,000. He owed my the money and the Miltary nursing home they were going to place him needed the copies. I was suprise to find out after three hours of research working with the local branch. The official items clerk, stated over and over that the $5,000 never cleared. I even told him of the importance to make sure no error was made. WEll he did not do his job. This has been going on from April 2011. I have been lied to called all times at night from overdraft/ insuffient/ office of the presidnet. NO accountable is being made on the part of Bank of America. You see the clerk did not look for the correct info, a stop payment was made and a new check was ressued.I deposit it into a account in bank of America. Three people at the branch question this one person. to make sure that the check was not processed. Then in May a month after they said he looked for the wrong item. He claimed he search for one year. I still had bills from the mom.s hosptil stays she had altzimers/dementia. That why I left the bank in 2005. I know how some of these employees work in the back rrom. No the office of the President does not even get back to you, he gives it to one of his people. My uncle is not in his own sound mind to go after the money. My account was place in negative. The only people that helped was the branch and a lovely women who answers the calls on errors and then turn it over to a CEO! I am only a number, Not one phone of appoly about the error the offical items clerk made was done. I am stress out so much and hurt. To think that a company that I worked for 17 years treats people like this. And there are so many people that would even go into the branch and fight and cause a proble, I know there are idots wworking there. It is the call center. Florida Tampa on Gandy Blvd. Know I have to sign specila legal pepaer and pay the money back. I did not go into the branch even looking for money. I beleived the clerk and so did the branch. I even waitinted the period of time to do anything. i am not working my husabnd lost his job due to the bad economy. he had a great job. To think banks get bailed out for the people that lied took out loans, and the honest people who try and do the best for there own famililes are the ones who are hurting the most. I am ashumed to say that I did worked for this bank that our president Bailed out.

    patricia delgado 8/3/11 5:26AM
  • Every number I use to try to contact Bank of America has a recording that says "Your call-back requests have been cancelled." I have no idea whst this means, and I'm really concerned because there may be times when I really do need to contact someone. Every number I have used has had this recording. I'd appreciate your help.

    Barbara Smith

    Anonymous 8/2/11 5:36PM
  • I tried to get a mortgage restuctured. The rep said my packet would be sent in 10 days. When it never came, I called and was told "We have changed the rules. It will be sent in 45 days." Then when I began to send the required proofs, they wanted me to send the same documents over and over. Finally they denied me based on the excuse that my mortgage was less than 31% of my gross income. When I called about this denial, the rep told me the notes said that the bank just didn't think it would pay them to reduce my 7% interest, and I was turned down not because of the the rules of the Federal mortgage assistance program, but because the bank just wanted to squeeze me to death.. I went through all that hell for nothing. One more thing...a rep tried to talk me out of making a mortgage payment in April. That would have disqualified me from the Making Homes Affordable plan. Bank of America will destroy this country if we Americans can't fight back. Do not use credit. Get a good private lawyer before you start your fight. Record all their conversations. If you can get a supervisor's number call him or her many times a day just for the getting even factor. Downsize your lifestyle. Tell everyone you meet about them. Lobby for banking regs to change. Why do we make a contract only to have it sold? Does any other industry get away with this crap? Let's also lobby for campaign contribution ceilings. Low ones.

    screwed 8/1/11 4:24AM
  • When dealing with BofA, just keep in mind that they do not have any desire to provide Customer Service. They do not care if you are a long term customer or a repeat customer. The all important consideration for BofA Management is how much money they can screw you out of! They know that regardless of how poorly they run the company, they will always be bailed out by the Feds with Taxpayers money! Vote with your money and your feet....Close your accounts and move to another bank.

    Anonymous 7/31/11 12:45PM
  • I pay my mortgage usually at the end of the month making it late, but it's in there. Today I was informed that if it is not in by the first of the month it's late. These idiots don't even recognize their own waiver time. The 17th is the date before they add a late fee. I would get calls starting on the 3 rd and get 16 calls in one day. Now they want to sent me a letter of intent. I asked why, the loan isn't even 90 days late. She said it's not paid on the first it's late!! I say it's time to get a class action law suit and let Bofa know that they are doing illegal actions. You can't take a home when it's 60 days late. I am carefully watching my account even tho they aren't making it available on line any longer. If they don't apply my mortgage to my account then I will be suing them for 3x the amount of my mortgage. Why don't they make the account accessable? what does Bofa have to hide???? Anyone looking to file a lawsuit... let me know...

    maggieD 7/30/11 9:15PM
  • bank of america has defrauded me at lease two different times (we are finding out now) they are also presently attempting to steal our insurance money (hail damage to roof) or will refuse to endorse the check, making it worthless. So either we give them the money or tear up the check, either way the roof isn't going to get fixed. how cool is that? I could tell you more but I think you already know how crooked this company is.

    pathouchin@rocketmail.com 7/28/11 2:32PM
  • Bank of America cost me $206.00 by placing my card on a security hold status for fraud.
    I was trying to book a vacation to Hawaii and submitted my payment information. I was met with a response stating the card was invalid and I should try again with another card. Customer Service on the site had no idea what the problem was. B0fA never called me or emailed me with a Fraud Risk until five hours later. The flight would have cost me $2,366 when I first booked it. But five hours later it cost me $2,572. I asked BofA Customer Service what was so unusual about booking a vacation (especially when I book vacations once or twice a year), they stuck to their SCRIPT and read to me that there was unusual activity, and it was for my protection. I wasn't aware that my SECURITY with BofA would cost me $206.00. This isn't the first time they've cost me. Last time it was unusual for me to be purchasing clothing from a women's store. I thought it would be easy using my BofA card to buy my wife gift's for her birthday, but they made that an experience too. I'm pretty sure I told them back then to stop protecting me. Now, why do CEO's and CFO's get millions of dollars in bonuses when they can't manage something as simple as my account when I am planning a vacation. I realize that $206.00 means nothing to a millionaire. And since BofA claims they can't refund me the $206.00 that they clearly and undoubtedly cost me, I will pull my $100,000 out of their bank and place it somewhere that isn't robbing me blind.

    SG 7/28/11 1:19PM
  • terrible follow through, and false promises. Loan officers consistently drop the ball even for credit in the 800's

    Anonymous 7/28/11 1:00PM
  • You have the most screwed up, non-user friendly system I have EVER tried to negotiate. I can NEVER get on the on-line banking - this CERTIFICATE crap has gotten out of hand and you need to fix it!!!!!!! It took me the better part of 30 minutes to reach a site whereby I could send a message. Your page of instructions: "Go to Contact Us; Select Customer Service And Send Us An E-Mail - WRONG. You have always had the most useless web site on the entire system. Why don't you spend a little time having knowledgeable people installing a aeb site THAT WORKS.

    You can e-mail me what I need to do to get past your CERTIFICATE PROBLEM!!!!
    Anonymous 4/13/11 7:59PM

    ---you need to reset the time and date on your computer, then close your browser. Re-open the website. If the problem persists, you want to contact OLB technical support directly at 1.800.933.6262.

    Anonymous 7/27/11 6:38PM
  • I had a hail damage claim to my home. BOA is the mortgage holder. BOA gave commit numbers over the phone for the first checks so I could have the local BOA branch endorse. After the contractors completed work and I payed them in full, the final insurance depreciation check was released. BOA required that this final check be mailed to Simi Valley, CA. After waiting more than 2 weeks I called BOA only to find out they had the check "on hold" waiting for a "certificate of completion". BOA never mentioned this in 3 previous phone calls to their customer service, nor did they ever attempt to mail me the form or call me. As of today, BOA has held this check for over a month, and I estimate it will be close to 2 months by the time all of their documentation gets processed to release the check. BOA has no customer service.

    Anonymous 7/27/11 5:51PM
  • The customer service at BOA sucks. I'm not sure if their supervisors do not give them information or if they are just desperate to hire any dummy off the road. I'm trying to refiance with 1 of the programs out there because we cant make our payments. The 1st time we tried the customer service rep told us that we had to keep making our mortgage payments or else we wouldn't qualify! After borrowing money for 6 months, well low and behold we were denied for the program because we were current on our mortgage payments!! THEN on top of that they decided they were going to escrow our property taxes and insurance. Which made our payments go up $400 more a month. (We already paid these)IS BOA serious??? Do they really want me to retain my house?? It doesn't sound or feel like it. So then we quit paying them for the past 4 months. There now maybe we will qualify to get the heck away from BOA! AND now we are trying to go through a different program, I called today to make sure there was nothing else on the checklist that I needed. (It happened the 1st time we tried, that's why it took 6 months to get denied)AND Mr. Rufus decides to add 2 more things to the checklist. I asked several times why these items were not on the checklist. His response, "I'm not sure, but I'm informing you that they will need this." I was very upset at this time. He told me don't get upset. WHAT?? Wouldn't you be?? You are adding to me being upset by being a dumb customer service rep!!! Between the money hungry government and the banks, THEY CAN HAVE MY HOUSE! THANKS FOR RUINING MY AMERICA DREAM!!!!!! Oh yeh, word of advice, if you have a choice between Bankruptcy & forclosure, do the bankruptcy. The forclosure will go to the bank & they will sell it cheap & you will owe the rest of it!!!!! Is America the land of the free anymore???? No, it is the land of BANKS that just want more money and it doesn't matter if they rip of the the rich or poor, just as long as they got there money.
    With all the complaints I seen out on the internet about BOA, I'm wondering if they are having a hard time with their own darn finances because they sure can't take of mine!!!!!

    PISSEDOFBOAcustomer 7/27/11 1:13PM
  • Both the Bank of America’s "supervisor" and "bank manager" failed to communicate with me when I tried to speak with them. They both had a condescending, snobby attitudes throughout my visit, and the process took way too long.

    BACKGROUND: I received earlier on Tues, 26JUL11 a $6,000 check from Coast Guard Mutual Assistance and its program’s bank is Bank of America. I visited the branch off of Old Bridge road in Woodbridge, VA and attempted to cash it. When I met up with the young teller, she asked me if I had an account here, and I “politely” told her that I did not, and reiterated that I only wanted to cash the check. Well, I waited for about 10 – 15 minutes at the window, and she apologized for the wait, and my response was, “I know the process does take some time”. The bank supervisor was in the next window and the young teller had several questions for her. When I advised the supervisor that I had a name and contact number for the person that authorized the check, she DID NOT reply back at me at all. It was like I was a ghost. She didn’t say, “No, Mr. Monaco we actually have to contact CGMA independently to ensure that the check is not a fraud/fake”; she just ignored me. Again, I was “polite” when I spoke to the supervisor. Then, the young lady politely asked me to sit down as she had to run this through the bank manager. When she gave the check to the bank manager, she also didn’t communicate with me as she walked to her office, returned to the window, walked to her office again, and finally approached me. Her approach wasn’t, Mr. Monaco I called CGMA, etc etc and you have been approved to cash your check. Rather, it was “take your check to the window” or very similar words. She had no smile, didn’t communicate politely with me and her guidance was minimum at best. So, I said to her, because I had waited over 30 minutes (or longer), “thank you for being so kind”. Of course, at this time I was sarcastic and the Bank Manager knew I was. This is the only time that I wasn’t polite. When I arrived in the line to the window I asked the Bank Manager, “I have to wait in line again?” Her response was that not only do I “again” have to wait in line, but I could only go to the supervisor’s window. I let the Bank Manager know that this wasn’t right (no yelling…just told her my opinion), she ignored me. While I waited, there were 2 open windows which I couldn’t use. The one person at the window explained to me (called communication) that only the supervisor can cash a check so large. When I visited the supervisor’s table, she didn’t communicate with me, counted out the money and passed it on to me. I pointed out to her (again….I’m irritated at this point) that she didn’t ask me if I wanted all 100s or 50s or 20s. She had a defensive response.

    HOW THIS MADE ME FEEL?

    I felt like I was being penalized for not having an account when cashing a Bank of America check. I understand there is a process.

    As the time ticked by I also felt that they were treating me like a person trying to pass off a fake check. Yes, there is a process, I understand, but….it was the supervisor’s and manager’s demeanor.

    I was treated like a number, and DON’T YOU DARE ASK QUESTIONS.

    Both the supervisor and Bank Manager acted like they were “too good” to communicate with me. Point – They don’t know me. I make in the six figures, and earned my MBA. I’m a very patient person, but… don’t ignored me when I ask a simple question or make a comment.

    When I visited my credit union, I had to “wire” my cash funds and the attendant was very informative, and communicated well with me as she told me the “process” and what to expect. I’m not implying that my credit union is perfect, but on Tues, 26JUL11, their customer service far exceed your bank.

    Very Unhappy

    Anonymous 7/27/11 5:23AM
  • With 607 negative comments and only 23 positive, you'd think B of America would make an attempt to clean up their act. The CD rate is down to .35% but the early withdrawal is 4 times that of most banks. (Most charge - fairly I think - 3 months interest.) We customers can stop complaining and bank elsewhere.
    As soon as my CD matures, Bank of American will NEVER see me again!

    Crozft 7/26/11 11:30AM
  • Very disappointment with Merchant Services located at Sunset/Eastern, Mngr. Delaina Felix. Just to make the story shorter, this lady is so unproffessional. Apparently, she was more concern about her looks, taking care of her hair, as I await for her to cash my check. Timing this lady, literrally she took 5 minutes to fix her hair, and when it didn't look right she past the work to another employee, which she didn't even bother telling her, what I was there. ONLY to find out they deposited my check, which I could have deposited on the teller. I'm a manager in the civilian section and a service member (Lieutenant)in the military. Talk about proffessionalism and piss-poor services.

    Eugene 7/25/11 3:12PM
  • They keep drafting money out of the wrong account, I switched bank accounts Even after calling 3 times now and changing it with customer service it still continues to come out of the wrong account. I have had overdrafts because of this. It's frustrating when I have done everything on my end to correct it & still they do nothing. Not to mention that they tacked on an extra $100 a month for some sort of identity protection without my consent. When I called to complain about it, they said they were doing as a courtesy for me. Yeah right! They were only trying to take more of my hard earned money. I can not wait until I can refinance. I will go through a different bank. I was happy with CountryWide.

    tbug 7/22/11 7:34PM
  • The phone tree was a titak failure. Afer entering all the required numbers very carefully, I kept getting the announcement that they "did not match our records" When I fianally got to talk with a live human being, he referred me to number 1866 758 5972, which was not functional. Lousy survice!

    kmao4 7/22/11 7:11PM
  • I recieve an advice notification about a USD 4.000,00 operation on my account. This item was no paid and I need to call Bank of America to inform you that I did not authorized this operation. Give me a phone number to contact you out from USA.

    Ruben Alfonzo 7/22/11 5:20PM
  • I went into the bank of america roseburg branch today to cash two checks that are made out to me personally was given a giant run around the teller was very condensending sad I have been a customer since 1992 I will take the time to change banks for two corporations and for my person

    Anonymous 7/22/11 4:38PM
  • I so agree with that issue. They lost or sat on our check for 10 days and then said it's my fault for not tracking it better. It is so embarrassing to tell my contractor that this is the norm for them. I get tired of the run around. I've been told now 4 different times when the check will arrive (and they're doing me a favor they say by overnighting it to me). I've yet to see it and the days keep going by.

    jafreese 7/22/11 1:25PM
  • So, I have paid my home owners insurance - to the same insurance company (Farmers) for like 20 years! My house is severely damaged and needs repair. It takes the insurance company 10 days to get a claims agent out to do the estimate and cut a check which has to be sent (snail Mail - i did federal express) to Bank of America (as the mortgage holder). It will take them 3-5 days to get a vendor number from the IRS at which time if I ask them to disburse a check they will send it to me via snail mail which will take 2-3 days to get ready to send and then 5-7 days for the check to arrive so that I can begin a repair. Wouldn't you think they would want to expidite repair on a house for which they hold the mortgage?
    I am completely dumbfounded by the way this whole process has unfolded.

    Anonymous 7/22/11 12:51PM
  • I had wired a final payment to the processing center on 7/14/11 to expedite the closing of my home equity line of credit. I called on 7/15/11 to verify payment was received and to close the account. Anita stated the account would take 24-48 hours to close. I called back on 7/18, 7/19 and 7/20. On 7/20, I spoke with Derek and Devin who stated that if the account was not closed by Friday they would expedite the closing. Fortunately when I did call back on 7/22/11, the account had been closed - one full week later!

    After verifying the account was closed, I requested a loan resolution letter, which I was told would take another 24-48 hours. We'll see how long that will take!

    Banking with the big guns isn't personal, friendly or responsive. Our future banking will be done locally, where personal service is priority.

    Anonymous 7/22/11 9:34AM
  • Be advice that this bank is the worts bank in tx they don't know any thing i get my home loan with them but they make a lot mistakes and i lost money and time to try to resolve all them mistake please don't choose this bank this is a big mistake i did....

    Anonymous 7/21/11 11:04AM
  • Could not be less responsive. i have contacted a lawyeer. Don't refinance or begin a loan with BofA ever!

    Anonymous 7/20/11 10:19AM
  • For the folks who post comments about their experiences with BofA, if you just keep in mind when dealing with them that they DO NOT CARE about their Customers, cannot be held accountable for their mistakes, and will generally say anything just to get you off the phone. They are the WORST bank that I have ever dealt with and I've been with them for over 14 years, but won't be with them for 15 years! Clueless, Rude, Uninformed, and Greedy!

    Anonymous 7/20/11 7:50AM
  • I went to Bank of America to obtain signature guarantee for a document that I had to submit to Fidelity Investments. This is something I had done many times in the past at their Mission San Jose branch with no prior problems. We had banked there for more than 20 years. But this time, I made the mistake of going to their Warm Spring branch office. The branch manager there was named Quenby Fong. She was ready and eager to say NO to anything I asked for. She first claimed she had did not know what a Defined Benefit Plan was and therefore, she could not provide signature guarantee on my document. I explained that a defined benefit plan is similar to a 401K program. Then she said she did not do signature guarantees but she could only do Medellion signature guarantee. Then I said I did not care which one I got and whichever one she could do, I would request for that. Then she finally came back and said she would not do any signature guarantee. I finally gave up asking her for assistance.
    About an hour later, I made another trip to Bank of America Mission San Jose branch. The branch manager, Lily Tang, was very helpful. She explained that I needed to bring an account statement from Fidelity before she could provide me with the signature guarantee. Luckily, there was a UPS store next door. I went there to use the internet connection and printed out an account statement immediately. Lily Tang gave me the signature guarantee within 5 minutes.

    The branch manager (Quenby Fong) at Warm Springs branch of Bank of America was determined NOT to help me and came up with excuse after excuse to discourage my request. With this type of attitude, she should have found other lines of work so that she could be happier at what she does.

    joe_not_the_plumber 7/19/11 10:49PM
  • We only had used 10% of our credit line when we tried to make a purchase at a neighborhood store with our BOA credit card. It was declined - embarrassing because we knew the clerk and the neighbors behind us. We asked the clerk to hold our purchase until we could contact BOA. Went home, contacted BOA they said our puchase triggered "security alert" and the purchase was "outside our normal spending patterns." We told the BOA person exact name of the store and the amount of the puchase we were trying to make and asked to have the card cleared of this "security alert". We returned to the store 2 hours later, told the clerk that we cleared up the matter with BOA - long story short - our store again - decline our puchase. We paid with our Capital One and left the store with our purchase. Goodbye BOA- credit cards are for emergencies - don't want to get stuck counting on them for anything- especially in an emergency. Careful dealing with them, the rumor in the financial market is that they are short on cash and don't have it to lend.

    Anonymous 7/19/11 1:52PM
  • I went to a branch next to my home to get some forms notarized. i was met by a young semi rude young lady who asked to see my papers to detrmine if they could notarize them, she said yes. However, when the notary looked at them, he could only do one, went to the audiors, then said he can't do it because the pages were not in sequence. He suggested a professional notary, really.

    I pay them $25 per month for a service fee, for waht, not service. Iwent down to my credit union and they were happy to notarize my documents at no charge.

    Once my house closes, i will cancel and close all my dealings with BoA. after seeing all the negative responses to their surveys, BoA still does business in a rue and inapropriate manner, just doesn't care about their customers.

    I lost my debit card, canceled it and was told I could get a temporary at any branch with ID, not true, totally uninformed peole giving you advice, still waiting for my card, 10 days later.

    Anonymous 7/19/11 10:24AM
  • I purchased a car in Florida in 2001 with an auto loan from Bank of America. I repaid the loan in May 2004. When I recently (June 2011) attempted to sell the car, I discovered that Bank of America had not released their lien on the car. The first BoA agent I spoke with wanted to charge me $20 for a lien release statement. I declined and called the Florida DMV to determine what exactly I needed. They told me that BoA needed to release the lien electronically via the FL DMV system.

    I then attempted to get back in touch with BoA (7/12/2011). After being hung up on multiple times, I finally got through to an agent named Diane Washington. She initially told me that it would take her a few minutes to put the information into the system. When I pressed her to clarify whether she meant the DMV system, after several rounds of Q&A, she said: no, she was just keying in a ticket for someone else to address. When I asked her when I could expect this someone else to actually get onto the FL DMV system and release the lien, she said it would take 7-10 business days. When I told her that was completely unacceptable - they had already had 7 YEARS to release the lien, she said she would put a rush on it and have it resolved within 48 hours.

    It was not. I called the FL DMV four business days later (7/18/2011) and was told that BoA had not filed the lien release.

    I called BoA back this morning (7/19) and spoke with an agent named Jacob Landrum, who said that BoA filed the lien release yesterday, though he could not tell me what time it had been filed. He offered no explanation or apology for not meeting their promised turnaround time of 48 hours. I then called the FL DMV back, only to be told that the lien had not yet been released by BoA.

    I then called BoA back and spoke to an agent named Kia Collins, who was unable to provide any further information. I then requested a supervisor and was put in touch with Tonnisha Taylor, who told me that Diane Washington could not have promised me a 48 hour turnaround because their typical turnaround was 7-10 days. I assured Ms. Taylor that Ms. Washington had and that even Ms. Collins had seen the promised 48-hour turnaround in the system. She then said that if Ms. Washington had promised me a 48-hour turnaround, she should not have done so.

    I then asked Ms. Taylor why a two-minute task – filing the lien release in the FL DMV system – should take that long to complete and she replied that “the agent needed to research the matter before releasing the lien.” Note that all call center agents and the supervisor had complete access to my repayment date and all other vehicle and loan information they needed. So it is still unclear to me why filing the lien release should even have taken 48 business hours, let alone the 96 business hours that it appears to have taken … and at this point, I only have BoA’s less-than-credible word that they have actually filed the lien release.

    I am completely disgusted with BoA. Not only have they not been proactive in addressing their 7-year old error (they took my phone numbers but never called back to inform me that the matter was delayed or resolved), but at each stage, agents have been downright ignorant, made excuses, prevaricated, and simply attempted to get me off the line as quickly as possible without any concern for resolving the problem. Given everything I read about the company and my own past experiences with them, I probably shouldn’t be surprised, but I am … that a company this unprofessional continues to stay in business.

    SM 7/19/11 8:38AM
  • My account has been with Bank of America for more than 15 years. If it was not such a hassle to switch everything I would have changed things along time ago. Between fees and them telling you to callback tomorrow We cannot help you today. Yet they advertise on TV if you suspect fraud on your account your funds will be frefunded as early as the next business day. MMMM how can that happen when they tell you to call back after it posts. so basically something can sit there in your account for days before it posts. Bank of America will not do nothing untill it posts but your money that is missing you cannot use it, because it is processing for a payment posting you know nothing about. So as far as putting the funds bank into your account by the next business day it is a LIE!! That is how they make money cause if something else now comes through your account in the mean time they you know is comeing through the money from what you didn't know about is using those funds and will cause a spiral affect. Best rest assure Bank of America will not loose.

    vickie64 7/19/11 8:22AM
  • I hve had several dealings with them and each one was more disappointing. Today the rudeness of an employee whom I asked about a branch location in Ocean City, MD topped the scale. I have previously tried to find a way to contact them about customer service issues and it is basically impossible.

    Anonymous 7/19/11 7:45AM
  • just needed to confirm a cashiers check and i had to wait for 15 minutes?.. why it so hard to talk to a representative? gee whiz.. what kind of customer service does this bank have.

    j 7/18/11 2:09PM
  • why is it hard to talk to someone you need to make it a little easyer to talk to someone you should have on there need to talk to someone fix the problem

    Anonymous 7/18/11 8:28AM
  • Surprise! I went to my BOA on-line account this morning to use the ShopSafe option. My PIN was rejected over and over. I noticed the card last 4 digits were not for my card. Calling customer service..what a hassle..revealed my card was canceled due to a merchant compromise on 07-12-11. My card was not used on this date. Although BOA has my email and phone number, I was not notified of a new card issued and mailed out 07-14-11. Meanwhile, my wife used the canceled card at two merchants as she was not aware of the change. The card was suppose to be canceled by BOA on -7-12-11. Isn't this an impressive procedure by BOA?

    Jag 7/16/11 8:34AM
  • On July 15, 2011

    I logged into my bank account to check the balance. At that time I noticed a FEE of $10.00 that had been deducted. I called Bank of America Customer Service Number and had a waiting period of 5 minutes. The CSR explained the situation and so did I. Little to say she was not interested in the whys and hows to my financial situation. I ask to speak to her supervisor who identified herself as Gwendolyn Mohawn ( Not sure of the spelling) She listen and then refused to give me the fee I was charged back due to my financial situation she was unwilling.

    I then got on to a website called Whitehousevoices.com This si where you can speak with different parties involved directly and indirectly to the white house and its day to day operations. You can leave comments and suggestions.

    I spoke about the $10.00 fee in great length then was contacting by a rep who wanted me to get proof of the conversation. So I went on the CHAT box and requested the same thing that the two agents that worked for Bank Of American had refused me.

    Within one minute I was credited. Strange, how can this person within less than two minutes credit and YET the two employees I spoke with REFUSED. What reason could there be? The more I thought about it the more I felt the need to press on for ANSWERS.

    I called in and a man named George Schubert answered. I explained my situation and he of course agreed with the two CSR and said I should not have been refunded. UNREAL, in my financial situation I should have gotten no help or refund. Sound familiar? But in my case we are talking about $10.00. I then spoke to another person who believes this. WAS SO NICE. I explained that I was trying to figure out why three agents that represented bank of America would think that the $10.00 fee was not refundable and that the person that did it was WRONG. The only thing I can figure is that the two women I spoke with could tell by my voice I was A) White and B) from the south. The chat person via the internet who refunded the amount could not tell my race via my chat or that I spoke with a deep southern accent.

    Could someone please explain this to me why it took over 45 minutes of my time to get the correct answer in less that one minute and fourteen second from a chat log?

    Cbunn 7/15/11 11:32AM
  • Great!! Now I'm on the phone with a supervisor - Consuela - who says that I cannot do anything about it. Only the account holder can remove or change the phone number. Attorney General is the next call to report harassment! I've had enough with Bank of America. Evidently the supervisors I've spoken to over the last 8 mos who tell me the number will be off the call list in 24 hrs have all lied just to get me off the phone!! Idiots!!!!!

    Disgusted 7/15/11 8:01AM
  • I got new phone service in Nov 2010 and immediately after was receiving calls for the people who had this number before me: Sheryl Little and Anissa A. Little. I have been trying for 8 mos now to get them to update their records. Evidently these people have lousy accounts and I'm sick of getting their calls. This seems to be a difficult thing for Bank of Am. to do since I'm still getting calls. Today I've been xferred to 5 people so far and am on hold for another. Geeeezzzzzz how hard is this!

    Disgusted 7/15/11 7:57AM
  • Trying to purchase a home through bank of america, there process is very slow and it is taking forever, offer was accept in June it is now July. Trying to move before August 2011 school starts in ga in august, where I live now school starts in September this will put my child behind a month for school in ga

    Anonymous 7/14/11 12:07PM
  • I am constantly fighting new fees they place on my accounts. The latest is a fee on my savings since I have less than $300 in it. the last was on my savings for transferring too many times. I transfer less than 10 times a month.

    They are always looking for ways to steal my money legally. I never agreed to any of these fees, but they keep doing it. They remind me of a homeowners association (HOA)

    WinterICE 7/12/11 2:43PM
  • Weekly I receive many mailings from B of A. Almost all, over 95% is junk: I hate all the offers: They are so impersonal. The bank just wants more of my money, and doesn't care how they get it. In my opinion all B of A wants to do is tell me what they can do for me (ways for B of A to make more money). How novel is this. Why not ask what is good, not so good, and terrible about decision makers opinions that never understand what customers really want and need. Does B of A have any care and concern about retaining satisfied customers.

    Today I was in to a branch. I need information pertaining to an automatic withdrawal that I set-up from my checking account. B of A employee tells me he can't provide the necessary information that IRS requests. I know that I can't be the only person that has expereineced a quagmire like this. IRS is IRS and they demand information they want. Is B of A more powerful and authorative than IRS?

    I have my home loan; checking; and savings with B of A. I just hope that some person with some authority can ask real questions, and make banking a positive relationship rather than cringing everytime I need to visit B of A.

    Sghawk46@yahoo.com 7/12/11 2:41PM
  • I cannot get Bank of America to remove the PMI insurance from my mortgage. It has been 6 months since i did the re-casting and they now say i have to use their Appaiser once again and get re-appraised for $130.00 in order to get the PMI removed. This wasnt in the plan when I applied for the loan with the loan officer. He told me I could re-cast at any time and there would be no fee and no trouble... well, there was a $250.00 fee to do it and now they want their people in Texas to do another appraisal and me pay $130 to do it in order for it to be removed. I am angry. Angry... ANGRY!!! WHY DO PEOPLE LIE?

    CTREAT 7/12/11 8:07AM
  • Their system is an intentional maze of transfers and new numbers. I answered the same questions about my account number and last four digits of my social 6 times. RIDICULOUS! They suck.

    Anonymous 7/11/11 7:49AM
  • I've been trying for almost 6 months to get an answer from BofA about a problem with my credit cards that they caused. I have talked to an "Investigator" who assured me that she would let me know why the problem occurred and what they did to correct it. I have not heard one word from BofA despite regular calls and e-mails. I am in the process of moving my credit card business of several thousand dollars a month to another credit card provider and will let the BofA accounts remain inactive. I tried to warn them that I would do this even though I have been a customer since 1997 but they just do not care. I guess that there are more BofA customers that they can screw even when I leave so my business won't be missed? They are rank amateurs and absolutely clueless about dealing with customer complaints and solving problems. They are probably the WORST bank out there.

    Anonymous 7/10/11 6:06AM
  • I really need to speak to an accociate and cant ever get one on the line!!!!!! The automated service is sooo annoying!

    idk 7/8/11 4:26PM
  • Accountability Issue.

    How and from whom can I get a final price and buy a foreclosed/short-sale house on 82nd court, in Vancouver, WA? I have been unable to close a deal for the last 5 months while the house price is rising. My realtor says she is at an impass.

    You are BoA so this process can't be too complicated for your customers!

    Thanks,

    Anonymous 7/7/11 4:54PM
  • You keep shutting off the credit card for breach of security,.... nice after a wonderful dinner in an expensive restaraunt. changed my perfectley paid mortgage 3 times and forget to attatch the advantage checking account 2 times, now the insurance check under 10 grand tells me I must deposit only and somehow pay contracters myself until you decide to reimburse me? What the hell are you doing? I'm your best possible example of a customer and I spend too much time fixing your mistakes, calling due to mistakes, and the latest ,,, waiting for someone to be available in any of 4 branches to help me because all the people in charge are on vacation. I don't mind working ... but I don't want to do your job for FREE!!!!!!!!Do you understand me??????

    clearaswater 7/7/11 2:57PM
  • I just called your customer service # for some assistance with an account that I haven't used in well over a year. I moved from AZ to WA almost a year ago and unfortunately neglected to close the acct (just didn't think about it since I didn't use it). NOW, after almost a year, I received a statement that says I am overdrawn by $35.66 because of fees you have put on my account - even tho you can see there has been NO activity. I called customer service to see if they could help me by reversing these fees or atleast some of them and was told no. I asked "Tom" if I could speak to a manager and he hung up on me. Not only is that VERY poor customer service, but extremely RUDE also. I will make certain that every person I know and associate with hears about the RUDE and very unprofessional customer service I received from Bank of America.

    Anonymous 7/6/11 10:47AM
  • My mortgage payment was to be taken out on the 1st of the month but it never was.Have been trying to call guess what no representitive to talk to only a recording.If I did my job this way I wouldnt have a job!

    Anonymous 7/2/11 6:46AM
  • My Bank of America Debit card was blocked, I found out because I tried to use it for $10 and was declined... this was at 8:00 AM. As soon as I got to my office called to know what was going on, well they decided to block it because my card was "compromised"... they sent a new card to my house, (which hopefully is in the mail)... but if I need to use my card I am not aloud!!!! of course I was upset.... like another million Americans, I live on my debit card, I do not carry cash... so I asked the representative to unblock my card, as per the rep it wasn’t possible, I then asked to speak with a supervisor, who in a few words told me that it was nothing she could do about it….. in a few words, my account was compromised, they had the time to issue a new card, send it via mail, and block it (the whole process is 2 weeks) but they cannot give me 1 more day with my old card because it can be dangerous for my account…. But those 2 weeks were not…..
    Bank of America… how do you know that I received the card? What happen if I am in a emergency situation trying to pay something? What happened if I am not in town and I have no access to my mail?, well, YES, I HAVE THE RIGHT TO BE UPSET… AND GUESS WHAT…. The supervisor I was speaking with, hang up on me…. IS THAT CUSTOMER SERVICE??? HORRIBLE, very HORRIBLE
    I’ve been a Bank of America customer for over 15 years, I have 3 accounts with you… and small accounts like mine are what make your bank so strong…. So be very careful the way you manage your Customer Service…… hanging up a phone call on a customer???? Wow… jus WOW!!!

    Anonymous 7/1/11 7:24AM















  • In the next paragraph you will see a treatment that I received in the Bank of America which I hope sending it here to you is the one that i had to send it to i hope someone can help me.









    Treatment


    FIRST NAME = Domenico
    MIDDLE INITIAL = L
    LAST NAME = Sicuso
    EMAIL ADDRESS = alex.31_laboy@hotmail.com
    STREET ADDRESS = 10223 Falcon Pine Blvd Apt 104
    CITY = Orlando
    MESSAGESTATE = FL
    COUNTRY = United States
    ZIPCODE = 32829
    DAY PHONE = 3219610999
    EVENING PHONE = 4079242418
    SUBJECT = Treatment
    COMMENTS = Today on June 28 I went to two different banks here in florida one was in waterford lakes and one in goldenrod and they did not have a good customer service with me. They need to treet right the customers in the first bank of america in waterford lakes the lady that was attending the customers when they come in sh! e did not know how to talk all she spoke to me was with an attitude and that is not the way to treet a customer. In the second one the guy that attended when customers come in asked for my IDS and when i gave him my drivers license and my bank card he told me I could have problems with the license and that I should have a pic on my bank card which he came out showing me his and said that it is better like that so that i won't have problems not even that the thing is that he asked me was if I had passport and that if it was not expired and for him to believe me I showed him a permission ID, i think that he did not have to show me his bank card because i didn't ask him neither he had to tell me if I had my passport due to that i felt discriminated and i have never had such problem like that in your bank since i have been a cuatomer for you like 6 years. Your employees should have good customer service with the customers because people like that customer service they gave me w! as terrible and they should know how to treat every person that comes in but not even that they should smile also and learn good education. After all of this that had happen with your employees I am going to a lawyer because this made me feel discriminated and i have witness because my wife saw all the treatment that i received today from your employees. Hope to have a response from anyone. THANK YOU



















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    Anonymous 6/30/11 6:08PM
  • After BofA bought my loan form another provider they would not continue the loan modification process with me. At that time I was still current on my loan, but had a drastic change in income. They said they could not work with us because we were not late enough on. So we let it go behind. Called in weekly for assistance still cannot help us. Now they are hounding me offering programs and calling 6-7 times a day even at 7:30 am and 8:59 pm. Then arguing with me about what time it is. I call back and have to speak to someone in India that I cannot even understand.This is by far the worst mortgage lender there is.

    honey 6/30/11 8:36AM
  • Home in posted forclosuer sale in 30 days. Had a short sale in place and came to find out it was placed with the wrong HAFA work group. Had to clear out in full of the incorrect work group and be assigned to a new work group. Once cleared out of the incorrect work all information was given for assignment to the correct work group and the Bank summited it. Unfortunilly the bank AGAIN summited information to the incorrect work group. I have been working on clear up THEIR mistake for well over 2-3 weeks and the sale date is in 30 days. Water damage has occured to the property and the claims department has not released the insurance checks that I have issued to the Bank in order to pay the contractor now for a period of 2 months.

    Bryan 6/30/11 7:38AM
  • BOA is with out a doubt the worst group of people to work with. They continue to had yuo off to the next person and at that point to another. Our home has been in a short sale and has been filed with the incorrect work group with the HAFA program 2 time on the same day. Now with a sale date posted in less thatn 30 days, I am getting the run around in haveing the correct work group assigned ao I can began the proces to complete a short sale. This process will take longer than the time left before the sale date. Also damage to the home due to a water line and the bank will not release the insurance checks to pay the contractor that they and I agreeded to do the work.

    Bryan 6/30/11 7:27AM
  • BOA denied our loan modification and then rejected two short sale offers for $175,000 on our home. They have just forclosed on our house and now they have it on the market for $159,900. I smell a HUGE RAT!!!

    Lisa 6/28/11 12:28PM
  • BAC Mortgage - RUN AWAY!!!!!!!! DO NOT GET A MORTGAGE from BofA!!! I suffered a catastrophic loss to my home after a massive hailstorms and I still don't have windows after 3 months. They will NOT process the checks that I have sent to them so that I can pay a contractor. When you finally talk to a person, they are HORRIBLE. They ask the same questions over and over again and when you answer (the same way each time) they STILL don't comprehend!!

    No BofA 6/28/11 9:32AM
  • I have just completed two completely useless interactions with your system - both times BofA hung up! Only wanted to tell you that one of my accounts is unaccessible online. Please call me to discuss.

    Memo 6/27/11 4:27PM
  • This customer service is ridiculous! It's aggrevating, frustrating, not helpful and not practical. When needing to talk an actual associate it should not be so difficult! Too many obstacles to reach a live associate.

    Your customer service associates should be much more assessable and easier to reach!!!

    Anonymous 6/27/11 8:59AM
  • We waited for so long to see someone, then when we got to sit down at the desk with someone, he got up and disappeared for a while, we turned to the next desk person to see what was going on, she said that she would take care of us now, what happened to the first guy? and why did it take so long on a week end with barely any customers to get to this point?
    In addition, the person could not open another account with us for documantation reasons despite that we already have a large business account with them, I'm guessing that they are doing so well that they can agitate their customers away from banking with them

    jajo 6/26/11 3:37PM
  • terrible service unable to reach anyone to talk too for entirely too long. cannot believe how difficult it was to cancel a check! on hold for over 20 minutes and given no options for why i was calling.

    Anonymous 6/25/11 9:46PM
  • This bank wastes money on overpaying at home workers. I know a person that works and goes over mortgage packages and such, and spends more time runing around, and drinking at lunch! What kind of employees do they hire! This person is an alcoholic that drinks and parties 4 or more days a week, comes home late and then works with all these numbers, and packages. I sure the hell wouldn't someone like that going over anything of mine! She has also gotten friends into the same thing she is doing telling them it is easy money, you don't do much, and you can run around during the day! This kind of behavoir should be looked into and action taken. The person I'm talking about name is Mary Borrelli, who works in Lancaster Ca. who should not be working when in fact she rarely even works an 8 hour day! She has also had her boss Dan don't know the last name, bring in her friend Cris Kerny. To who ever reads this from Bank of America you really need to look into to this big waste of money you are paying a person to run around during the day, drink at lunch, quit early to go drinking...drink and party all night then work in the morning is not a person I would want to represent such a large company. I hope you take my advice and look into this matter as soon as possible. Knowing someone like this works for your bank I would never do business with you again!

    Anonymous 6/24/11 3:18PM
  • I had a question for the local branch, but kept getting transferred to the call center. A really sweet nice lady couldn't help me, but killed me with kindness. Her supervisor, Jessica Evens, couldn't help me connect with my local branch either, but was rude, nasty, and demeaning. She told me to just go to m local branch (20min drive) and see if they can help me. First of all, that equal a charge to my e-banking account. Secondly, why would I sign up for e-banking if I wanted to keep driving to the bank? Anyways, Jessica Evans, if that's her real name, needs to NOT be allowed near customers. RUDE, RUDE, RUDE!

    shme 6/23/11 2:23PM
  • Spoke with customer service manager Cathy Sleeper. She was incredibly rude, unhelpful and kept repeating things I already knew even though I asked her to stop repeating the same things over and over. She then tried to end the call with "have a nice day" in a very sarcastic tone. Why you have someone as unprofessional working for you is beyond understanding. She should be written up and given a course in proper customer service. She makes BofA look very bad.

    Anonymous 6/23/11 12:32PM
  • My home & property were destroyed in Alabama due to the 4/27/11 tornado and my husband was critically injured with a severe head trauma. I have been in constant contact with BAC since a week after the tornado due to me & my daughter being severely injured and released from the hospital. I collected my insurance settlement and sent it straight to BAC when it was recieved. As of today they still haven't applied the $ towards the payoff of my mortage and I am working with FEMA to get the balance of the mortgage that is due. I haven't gotten any cooperation from BAC (meaning a simple letter) that FEMA needs to process my claim and make me eligible for the Federal assistance that me & my family MUCH deserve for what we have been through. It's not like I am trying to get out of paying them anything I am trying to get them paid in full! They are the most incompatent people I have ever dealt with and due to this I am going to miss my deadline with FEMA and they are gonna try to come after me for the balance of the mortage? I don't think so. I wouldn't recommend doing business with these people ever! Even through a natural disaster they will not step up and help you get what you need in order to get the assistance from FEMA. I am extremely upset with BAC & the piss poor service they have given me and my family through this tragic devastation that my family has suffered due to this.

    gcunningham 6/20/11 9:49AM
  • The branch closes at 1PM on satudays.
    I went in at 12:50
    I have $8,000.00 in my hands and would like to deposit 4,000 into my checking and open a new checking for the other 4,000.
    tha manager said it takes 30min for a new account and she won't open an account for me.
    so ended up going back home with 4,000 in my pocket!!!
    I'm filing a complaint against them

    ALIOMRAN 6/18/11 1:48PM
  • Spoke at length to customer service concerning a $20.00 fee that was to be credited back to my account in 2008 and was never received. Person made no attempt to resolve the issue.

    DmC 6/16/11 9:20AM
  • I will soon very soon refinance a new car with anybody except b of o my wife And I were evacuated from our home and community because of the wallow fire in eastern ariz,upon returning home my wife realized a car payment was due on that day so paid it on line which meant it would not post until the next day thus being one day late she then called and personally discussed this with 2 b of a employees in 2 different departments both persons stated that they understood and that no furthur action was needed and that the issue was resolved specifically being told that no one fron b of a would be calling guess what next eve. a phone call asking why we hadnt made our payment ( we have very good credit and are never late with payments the lady on the phone was very short with my wife almost not believing that we had been evacuated for almost a week from our home due to the wallow forest fire the largest ever in ariz history she said she hadnt heard of it its been in the national news for 2 weeks now we dont need nor will we condone treatment like this and will never under any circumstance deal with b of a again ever

    Anonymous 6/15/11 6:34PM
  • Tried to use my normal ATM twice for a withdrawal. I received could not process request each time. I wanted to withdraw a large sum and the only other ATM's were in gas stations. Of course I wouldn't use those things. Several blocks away was another bank. I used their ATM and received a fee from them and BOA. I have been a BOA customer since 99. Have checking’s, mortgage, savings, and business accounts with them. Called and asked for credit and they refused to issue credit for another bank’s fee. Told me I had to contact the other bank for credit. What a dumb statement. I'm not their customer and they compared a “what if” transaction with that of Burger King. Totally different scenarios and completely irrelevant for comparison. They kept stating they could not issue a refund on a merchant transaction and all I was asking was for a credit not refund of the fee. The so called “manager” (Quentin Anderson) which we all know is just a “team supervisor” who gets paid 50 cents more than the phone reps could not differentiate the two…..BIG DIFFERENCE!
    What idiots!!!!

    Anonymous 6/15/11 1:12PM
  • Reported unauthorized use of funds from my account. Unfortunately, for me, the bank has now frozen ALL my funds received from Social Security so that I can no longer access ANY of my remaining money on which I need to meet my expenses. Monies that are NOT covered under the unauthorized use report. How am I suppose to live without any money? I'm severely disabled.

    1sadbirdman 6/13/11 10:20AM
  • THIS SYSTEMS SUCKS I HAVE BEEN ON THE PHONE FOR AN HOUR AND STILL HAVE NOT TALKED TO A PERSON AND WHEN I DID FINALLY GET A HOLD OF SOMEONE THEY WERE NOT EVEN THE PERSON I NEEDED WHO EVER THE CEO OF THIS BANK IS NEEDS TO GO THROUGH THE PROCESS AND THEN REDESIGN IT.

    Anonymous 6/11/11 3:58PM
  • Boa just is really crap, drove to vegas 3 hr away only tried using my credit card it was declined called in to ask why and they took me through this one hour security thing, answer the same question to 1000000 departments over and over and over. finally after 2 hours I could finally use my card. Then another time wrote a check to my dad and had plenty of funds in my bank account they returned the check and when I called it took 2 hours to find out why it was returned. gave me a bs answer and just hung up on me. BTW I'm closing the damn account today.

    Anonymous 6/8/11 10:14AM
  • I hate BOA!!!!! My rental company had submitted a post-marked rent which overdrew my account and BOA charged me. Yes, I had made some mistake in assuming that my rental company would not post a post-marked rent but the %&^*# that answered just pissed me off. She yelled at me as if I were a 2 year old kid. Instead of leaving me to be upset about what was going on with my overdrafted account, she decided she was the one affected the most. She told me that I was to blame for giving more chekcs than i should! fancy that...I mean this is a habit of mine to make sure all my rental checks are paid on time. how dare she make me feel like this was a stupid idea.

    Lex 6/6/11 4:35PM
  • This company support is not really open 24/7 for support cz I keep calling them Friday evening and Saturday about 5, the machine keep telling no agent available and give the business hours

    Zobouke 6/4/11 4:38PM
  • I am greatly troubled by the fact that B of A with assets in billions would try to take money from a little person like me. They claimed that I "purchased" credit protection plan over the phone but never produced any proofs. I have asked repeatedly and sent in three letters but have received no reply. How can I trust them?

    Anonymous 6/1/11 10:03AM
  • why the heck do you not have help on the holidays.

    Anonymous 5/30/11 3:08PM
  • I have been a customer of B of A for more than 20 years-2 home and 2 business loans-never a late pay or a problem. Contacted our personal banker-ChrisVan Buren, she referred us to Arda Bezjian. We started in July 2010. There were countless problems with old loans-all B of A loans, monthly requests for paystubs and investment info and lack of communication. We were repeatedly told we were "locked in" at the low rate first quoted. Then the scams started-a problem showed up on the title in Jan (with misspellings only found on BofA docs) and threats of foreclosure (yes, we only wanted a 15 yr fixed and some cash out for upgrades on our 100 yr old home) finally had to talk to someone from a lawfirm with an"FFF" rating and gave my SSN at the behest of Arda "as you know, this is your problem to fix" not to mention additional appraisals. Finallywhen I caller Arda in late March she said the loan had expired-no prior notice that there was a deadline. Bof A lost 2 RE loans, a business loan and my company's retirement.
    Even if you have never had a problem-look at other options-Quicken loans completed ours in 4 weeks no hassle and better rates and terms. Wells Fargo could not have been nicer when I walked in painting clothes and no makeup-treated me nicer in person than Bof A did knowing I did over a million in business with them yearly

    Anonymous 5/28/11 5:15PM
  • I have an auto loan with BOA. I always paid $50 over the payment. This month was a bad month and I could not make the payment. With the overpayments that I have made I only them $105. You would think I owe them 1 miilion dollars. Customer Service called and I told them I would pay the payment in 2 weeks. I was told that would not stop the calls. She was right. I receive at lease 15 calls a day from BOA with harrassing messages. I will never apply for another loan with BOA anymore. I have never been so harrassed in all my life for $105. They have called my house enough to pay the $105 on phone calls because I promise you I will not answer another one of their calls.

    Anonymous 5/26/11 5:54PM
  • Correction, "BANK OF UN-AMERICA". Not only is this financial institution unethical in is lending practices, inclusive of mortgage, loans, credit cards, etc., but it should be taken over or taken down by the government for the benefit of the citizens of the United States. In summary, a bunch of greedy crooks.

    Anonymous 5/19/11 5:41PM
  • This is such B*** S***! Every time I need to make a transfer I have to call the 800 number because I don't have a debit or credit card number to authenicate. If I have the account number and password and every trick question and answer under the sun why isn't that good enough, why do they waste my time with making calls, giving out socials, then transferred to someone else, process takes about 2 hours to comlete and should only take 5 minutes. This why they loose customers. Along with the fact that Alex Sink as president and Chief Financial Officer of the State of Florida lost millions of our investiment money we were using for retirement in risky investments that went down the drain, in other words we have to work many more years to re-coop the loss.

    mtsflorida 5/19/11 3:00PM
  • One thing I can tell you is that BOA has a few good employees that try to do their best for the customers and are limited. However, I will admitt that overall the customers are mistreated. The bank blames the customer for everything and do not take responsiblity. It used to be not so bad but it keeps getting worse. I keep to myself, but many of the bankers and tellers are not treated right. Many mangers do not keep a motivated and positive atmosphere. I have known employees that left because they tried to do what is best for the customer and they did not receive any praise from management. The company needs to realize that their image has gone down to the ground to the point where customers see it and leave...including employees.

    Unhappy 5/18/11 8:11AM
  • Bank of America has gotten worse through the years. I needed to contact a branch and did not know the number; I called the customer service number and they would not give me a phone number but they said they could give me a central number that would be able to help me. I called that number and they would not give me the branch phone number as well and they then hung up on me. They acted as if there was something to hide. I visited the West Islip Branch, New York a few weeks ago and happen to talk to the branch manager. I had a few question to ask...it was not fee related or any issues; but it became a problem. The manager had an attitude and was a bit aggressive and rude in the manner that she spoke with me. I tried to let her know what I am looking for but instead of listening she continued to talk over me and insisted that I should just do what she told me. I tried to explain my banking needs but instead she again spoke over me and did not listen. I was confused of why she continued to interrupt and when tried to tell her that it is not what I need.. she became defensive and started to talk back, raise her voice and argue. I was shocked to see such unprofessionalism.Then she was rushing me like I was wasting her time. I will be taking my banking else where. I have already met with another bank who will be doing my refinance; I do not want to have to work with that branch again. I have shared my experience with friends and they expressed that Bank of America is not about customer service and that is why they closed their accounts. One former customer told me that he too had an issue with the same branch manager. There are plenty of other banks that offer better customer service and respect; so there is no sense of me giving them my business. I don't see a long lasting future for Bank of America and one reason is that they have unhappy and unprofessional leaders.

    Annonymous 5/18/11 7:50AM
  • There Morgage Officer charge my credit card with out permission DO NOT GIVE MORGAGE OFFICERS YOUR CREDIT CARD INFORMATION !!!!!

    Anonymous 5/14/11 11:07AM
  • i have a problem with my loan ,i was mislead about a skip a payment rule i was not told you did not have a skip a payment by your rep..now i'm a payment behind i'm retired and cant make up the back payment who can help me ????

    Anonymous 5/13/11 11:19AM
  • It would be great if byou have 24hour customer service like Your Rep helping

    Anonymous 5/13/11 12:08AM
  • Unbelievable! Talk show economist Dave Ramsey says B of A is just incompetent. I actually believe it is a conspiracy. By all bsuiness models, these people should NO LONGER be in existence! Endless phone loops, crappy service, security breeches, reps who don't know their own company policies!

    BillyBobHorton 5/11/11 6:27AM
  • I flew to California USA in Oct. 2010, for a medical checkup, and to setup an account to receive my Social Security Benefits (which are not much) The BofA manager in Santa Monica assured me there would be no charge for the account (a service to SS recipients) and there would be a small charge (about $28) to transfer my money to other accounts, out side the USA. Since then the Bank has ????come up with safe-pass, a dongle for password protection. I now, because safe-pass is not available to BofA customers outside of the USA, have a limit for wire transfers, and a cost of $45 each (one a day at the limit of $1000, to my location (outside the US)and cannot pay my Bills, because of this limit. I must fly to the US to close my account, etc. A very bad Bank.

    Joel 5/9/11 10:30PM
  • I will NEVER do business with BOA again. I paid of my mortgage in December and have been trying to get an ESCROW refund check for a substantial amount of money for 6 MONTHS !! Their custom service, loan servicing departments, and payoff departments are all COMPLETELY INCOMPETENT and WORTHLESS.

    I estimate I have spend at least 12 hours on the phone and following up with them and I STILL don't have my money.

    Class action lawsuit anyone ??

    Anonymous 5/9/11 8:59PM
  • I don't know if it even makes sense posting, seeing it's already 532:22 for bad reviews. Clearly they don't care at all about their customer service and are in fact making it purposely bad just to get you off the line.

    Anonymous 5/9/11 4:18PM
  • Three words: Worst Service Ever!

    I too have tried unsuccessfully to contact the Customer Service Department and it's just a big circus. If you call and talk to one person, then call back and talk to a different one, they will give you two different stories. The phone system is an utter joke, it will hang up on you in the middle of trying to contact someone. It's a living, breathing hell.

    Matt Morgan 5/9/11 7:30AM
  • Wanted to cancel my e-bill service on BofA so I could get it through USAA (best bank and great customer service). Cancelled it online a month ago, but it still was showing so I used Live Chat to get a rep. He asked me to verify who I was and I explained what I needed, but he couldn't help so he gave me a number to call in. I called, then that person needed to verify who I was. I gave her my info and explained the situation. She said she would put me on hold but instead, I wound up back in the automated system. I got a different rep, who needed to verify who I was. I again gave the info, and explained my story (now 3rd time). She figured out the problem and said she would connect us to bill pay technical assistance. Instead, she disconnected me. I called back, got a 4th rep, who needed to verify who I was. I had to re-explain the situation from scratch for the 4th time. I asked him to transfer me to bill pay technical assistance, who finally manually cancelled the e-bill service, but told mea it would take either 2 days or one billing cycle to know if it had worked. Well, that's an accurate estimate of the time frame I should have to wait to find out if BofA got it right or screwed it up again. So glad I moved all my banking to USAA.

    ukusa 5/7/11 8:47AM
  • went through mediation with BofA and their law firm, Potestivo to secure a home loan modification. I was granted a trial mod with the Home Retention dept. I completed the trial mod exactly as ordered (Feb-Apr 2011), but was denied a permanent modification in May 2011. I was told by my “Negotiator” (Andre) that I was $600 short in income per month to qualify. Three months ago, when I started the mod, my income was right on. My financial situation has not changed since the trial was granted. He said that there were “no guarantees,” and that I was told that my “final modification would ‘probably’ be the same as my trial – key word probably”. But, hey, I could begin another “brand new” trial modifcation with Making Homes Affordable, and pay a new trial payment of $1,160.00 instead of the $820 payments that had been agreed to in mediation. $340 MORE per month than my previous trial payments. So let me get this straight-I have to make MORE $ to pay LESS, but if I make LESS $ I have to pay MORE. The Home Retention program is based on your NET income, but the MHA program is based on your GROSS income. A third grader could figure out that this doesn’t make any sense. It is a huge scam. I have been led around like a dog on a leash by this bank. I have faxed them close to 1000 documents over the past 1 1/2 years…duplicates over and over because they claim they don’t have them. They are either incompetent or criminal. They are not helping customers with modifications. Just look online at the similar stories from victims of Bank of America. America is not in a conspiracy against Bank of America. The taxpayers that bailed this bank out have enabled the very same coporation that brought this country to it’s knees to take advantage of the American people yet one more time. There is no logical explanation as to why Bank of America would set up a mediation with me (with their attorney present), grant me a modification with a 3 month trial, and deny a permanent modification on month 4. Yes, if I lost my job, ran up new debt, or had a life changing situation, I can see how this could affect the outcome. That's why the 3 month trial seems to make sense. But this does not make sense. And there are thousands of BofA consumers out there just like me that have experienced the same "bait and switch" modification practices from this bank. After all this time, and all the hoops I have been forced to jump through, It is not sufficient for some guy named "Andre" to call me up on the phone and say "Sorry." When I asked why I was approved for the trial modification, he said that it wasn't a guarantee. What does this mean? There is no other explanation than to assume that Bank of America is capitalizing financially on these games that they are playing with their loan modification customers. With the government stepping in and bailing this bank out, there needs to be some justification from their actions.

    Cindydemo 5/7/11 6:49AM
  • This is the worst customer service site in the history of the world. The automation hangs up on you several times throughout due to everyone transfering you because they do not handle your request. It gets real old stating your SS#, address, phone number, account number, and name three or four times. Whenever our payment is on time, it hits our account in four days. When it is running late, somehow the post office knows and it is because they lost it...not the bank. Did I mention that the people handling the home loans are as rude as the day is long.

    STER 5/6/11 5:22AM
  • I would rate the customer service at Bank of America a zero on a scale of 0-1,000 with zero being the worst possible service. We had hail damage to our house and the people that I dealt with at customer service never did anything to help. They took over 7 months to apply the money towards our mortgage, costing us probably thousands of dollars in interest. The customer service department seems to think having you call back and talk to a different person each week is a great service. I am sure I aged several years over the 7 months, my blood pressure was elevated, and I have a few more gray hairs. I would only recommend Bank of America to people that deserve terrible things to happen to them such as terrorists or rapists and murderers. Bank of America will never be combined with anything good in a single sentence. They are friends to noone.

    longshadow 5/5/11 4:15PM
  • I went in the Bank of America Batesville Arkansas branch today on my lunch break to do a deposit, needless to say they were very busy with about 8 people waiting in line. They only had two tellers working and one of them was waiting on a commercial customer and the other was waiting on a little old lady that had a bunch of coins to cash in. The manager, Carma asked if the teller needed help and she said yes she was rolling the ladies coin and the manager was swinging her arms back and forth and said oh no Im not rolling coin and walked back in to her office. I have been a banker my self for 11 years and have never seen a manager refuse to help a fellow employee or her customers. When I finally got to the tellers window I apologized to her for her managers rudness and unwillingness to help her. I was a teller once so I know they get most of the slack when customers have to wait but in this case it was purely poor mangement, you should have enough people working to cover your busy times and I am pretty sure 12:00 is a busy time and you should help your employees and your customers regardless of the task.

    Disgusted 5/2/11 1:06PM
  • I am very disappointed in the pay by phone system I am in the trial payments and can't make a payment by phone or website. I can pay a credit card but not mortgage payment. I wonder if my modification is now ruined. I am very disappointed by this and also can't make payment at Montclair branch due to modification trial payments not accepted. I will call first thing Monday as and see were I go from there. Yes, I', still trying welcome letter says ther open sundays 3-12 we'll see.....

    Anonymous 5/1/11 10:13AM
  • We deposited a bag of coins at our Bank of America branch which was sent downtown to be counted. The coins had been counted by us, twice. The bank counting came up $90.15 short. We were told basically that their count was their count and our word for the amount in the bag was of no interest to them so too bad. We have apparently no recourse except to change banks.

    flatbeder 4/29/11 11:29AM
  • I changed to Bank of America after years with Navy Federal Credit Union. I am VERY sorry I did that and will be closing this account as soon as everything clears. Their customer service is horrible,the bill pay is horrible, and they put 24 hour holds on government checks. When you call customer service they always tell you what they can't do; but never tell you what they can do. Pitiful!

    Anonymous 4/29/11 4:34AM
  • Worst bank ever! Run for your life if you still can. They started by changing my card from fixed interest to variable and then closing my rewards points without notice. Now they closed my online access and so I have to call every time I am making a payment. That means answering a series of question to the auto attendant before getting to a live and then going thru the same questions again when they pick up. No matter how many times I have requested to have my online access re-instated they have refused. Instead of making it easier for customers to pay the outstanding bills, they just make life so hard. They are simply adamant and care less about us. Please BofAm make payment easy for goodness' sake!

    Yosef 4/24/11 8:54AM
  • Bank of America website is the worst I have ever navigated. Their online bill pay service is horrible. Ever time I logg in I cannot access bill pay. I'm changing banks ASAP. Phone service is horrible also.I was transfered numerous times back and forth froim the same departments and phone disconnected twice in a 1.5 hr phone call. Finally i figured things out on the website. Just wasted my life.

    Anonymous 4/23/11 3:13PM
  • They dropped my name from the title on an account opened with my father as a joint account, and then
    obstructed my access to the original documents opening the account.

    They also took money out of the wrong CD so that they charged a penalty almost $300!!! Their error.

    A very terrible "bank"

    Ex B of A customer 4/18/11 3:03PM
  • My brother was a long term BoA customer when he died in January. I received a notice from BoA that they needed to repay the Social Security department for an overpayment to his account, which I had closed following his death. When I tried to pay at my local branch, I asked for a notarized receipt of payment. Since I'm not a BoA account holder their rules would not allow them to notarize a receipt to me. When I called their reclamation department to express that they should be ashamed of this kind of treatment, I was told that "they have rules". This is an indication of the little regard they have for their customers once they no longer can get any fees from them.

    upset survivor of deceased custo 4/15/11 2:45PM
  • ihave been trying to speak to someone in the HAFA dept and it has been two days of waiting on the phone for 30 minutes or longer, i have heard all the music and still no answer.

    yolanda 4/15/11 12:50PM
  • Customer Service is very frustrating. Agent told me it is policy to only help account holders and since I wasn't the account holder even though I was trying to send funds to Bank of America, she could not help. Based on this alone, I would not do business with Bank of America.

    Anonymous 4/15/11 6:38AM
  • my mother's acct was compromised to the extent of $5K. while i applaud BoA for returning the money to her new acct., i am frustrated that BoA is reluctant to work with law enforcement to prosecute this individual ( the police and I know who this wingnut is) and yet they do not file a complaint.

    Anonymous 4/15/11 6:35AM
  • You have the most screwed up, non-user friendly system I have EVER tried to negotiate. I can NEVER get on the on-line banking - this CERTIFICATE crap has gotten out of hand and you need to fix it!!!!!!! It took me the better part of 30 minutes to reach a site whereby I could send a message. Your page of instructions: "Go to Contact Us; Select Customer Service And Send Us An E-Mail - WRONG. You have always had the most useless web site on the entire system. Why don't you spend a little time having knowledgeable people installing a aeb site THAT WORKS.

    You can e-mail me what I need to do to get past your CERTIFICATE PROBLEM!!!!

    Anonymous 4/13/11 7:59PM
  • I have been with Bank of America for 6 years. I just got a letter in the mail stating that since I am such a valued customer, they are going to be imposing a new $12 dollar/month bank fee unless I can maintain 1500 montlhy minimum balance. Not to mention the 12.99 I pay per month for the privacy assist credit monitoring (I have had multiple credit fraud situations in the past so it is a reassuring service). This means I would be paying 300 dollars a year to the bank just to maintain my accounts. Really?!?!?!? Give me a break! I work in a small community bank, that offers free accounts, and my bank is doing just fine. Big banks are so greedy, and all they want is money. They dont care about customer service. I encourage customers to switch to local community banks. They offer customer service, free accounts, and an actual smile. Not to mention they know you by name, not by a number!

    Anonymous 4/11/11 8:54AM
  • I received a solicitation letter to apply for a Cash Rewards VISA credit card that stated, "$100 cash back bonus after qualifying purchases", with no information on how to qualify. On 26 January at 2:25pm CST, I spoke (888-224-8735, card applications) to Supervisor Marisse and she said "first purchase within 90 days" to qualify. The account was opened on 11 March. I made a purchase on 26 March that qualified me for the bonus. I received a letter on 4 April that stated, "To qualify ... $500 in ... purchases by 6/9". That contradicted Marisse and left me with only 66 days to comply. On 4 April, I spoke to 5 people (Argelia, Supervisor Diveena, Carina, Supervisor Paulette and Frank-Credit Dept.) during one 80-minute call, being transferred from one to another. None of them had any authority to do anything. I called the nearest B of A branch (Williams Dr.) and spoke to Assistant Manager Denise. She said she would initiate an inquiry the next morning. On 5 April, I spoke to Charles and Supervisor Robert, both in the Credit Dept. Supervisor Robert said Supervisor Marisse did not know the qualifying requirements. I HAD NOT SPOKEN TO ROBERT BEFORE AND ONLY MENTIONED MARISSE DURING THE CALL. HOW DID ROBERT IN THE CREDIT DEPT. KNOW WHAT MARISSE IN CARD APPLICATIONS KNEW? WHY DID SHE TELL ME THE REQUIREMENTS IF SHE DID NOT KNOW? Robert said she was speculating. HOW DID ROBERT KNOW WHAT MARISSE WAS DOING? WHY DID SHE SPECULATE RATHER THAN SAYING SHE DID NOT KNOW? Robert said I am not going to get the $100. I drove to nearest B of A and spoke to Manager Mary Ann. She said she would investigate. Lori Wolk-Resolution Dept. called and said she was responding to Denise's electronic message that I wanted "clarification" of the qualification requirements. I have never asked for "clarification". Lori said it is irrelevant what Supervisor Marisse told me. THAT MEANS B OF A MARKETING CAN SAY ANYTHING THEY WANT IN SOLICITING CUSTOMERS. THE ONLY THING THAT MATTERS IS WHAT THE LETTER RECEIVED 24 DAYS AFTER THE ACCOUNT WAS OPENED SAYS. THAT IS CLASSIC BAIT-AND-SWITCH. Lori said Denise's inquiry is therefore "resolved". THEREFORE, THE AUTHORITARIAN CZAR WINS WITH BAIT-AND-SWITCH. On 6 April, Samantha Stover-Escalation offered me $1.69 to resolve my complaint. SHE APPARENTLY THOUGHT I AM A COMPLETE IDIOT TO MAKE SUCH AN INSULTING OFFER. I DECLINED. I returned a missed call from Nina Boyer-Market Escalation. She called because of branch assistant manager Denise’s inquiry … just like Lori Wolk-Resolution Dept. Lori claimed the issue was resolved/closed. I summarized my complaint to someone (13th employee) who was going to type a message for Nina.

    I want the $100 cash back bonus for meeting the only qualifying requirement that I was given to entice me to apply for an account. B of A could have supplied the qualifying requirement in the solicitation letter, but they did not. Supervisor Marisse could have said she did not know the qualifying requirement, but she did not. Supervisor Marisse could have said she would inquire about the qualifying requirement and tell me, but she did not. Supervisor Marisse could have transferred me to someone else, but she did not. Supervisor Marisse could have obtained a copy of the form letter sent to new customers and read the qualifying requirement, but she did not.

    billstanley 4/9/11 10:52AM
  • Bank of America's Business Model:

    For want of a nail the shoe was lost.
    For want of a shoe the horse was lost.
    For want of a horse the rider was lost.
    For want of a rider the battle was lost.
    For want of a battle the kingdom was lost.
    And all for the want of a horseshoe nail!

    Substitute Customer Service for Nail and you'll understand. Avoid these "Keystone Cop" Clowns and deal with a real bank!

    Anonymous 4/9/11 10:35AM
  • BANK OF AMERICA IS GUILTY OF THEFT -
    I opened a savings account at BOA last year for my father who was ill and dying, and was informed I had a maintenance charge free account. The first statmendt showed a $5 maintenance fee, so I went to BOA to close the account. The CSR told me she would change it to a maintenance free account but it had not been opened as one. The CSR talked me out of closing the account stating I would have no more maintenace fees by chosing an account with NO MONTHLY MAILED STATEMENTS. I just received a statement 03-23-2011 with a zero balance and $15 fees due. I called CS and they simply said they would close the account at zero balance and waive the $15 fee due.
    NICE! This is piracy. NO OFFER TO REIMBURSE THE MONEY STOLEN BY THE BANK.

    Light 4/8/11 11:18AM
  • BEEN TRYING TO DO A SHORT SALE FOR THE PAST 3 YEARS, JUST RECENTLY I'M TRYING TO DO A DEED N LIEU AND STILL CANNOT GET A FINAL OR DEFINITIVE ANSWER FROM BANK OF AMERICA, MONTH TO MONTH IS A DIFFERENT STORY AND ONE DEPARTMENT DOES NOT KNOW WHAT THE OTHER DEPARTMENT IS DOING.
    IT LOOKS LIKE THEY CHANGE THE RULES AS THE GO.

    TONY 4/8/11 6:42AM
  • I notified the BofA Credit Card Customer Service people that I would be traveling from Alaska to the East Coast via Canada and would be using my cards for gas and lodging. They said it was not a problem and thanked me for letting them know. Sure as hell, I'm in the middle of nowhere in Canada and they put a hold on my credit due to "unusual activity" even though they had approved every previous purchase. When I called Customer Service for an explanation they said that it must have been "someone else" within BofA who blocked my credit and that I should try calling Authorizations. I called Authorizations and was told that Customer Service did not notify them of my travel plans, and besides, Customer Service does not have the authority to authorize purchases! Catch 22! Up is down, day is night, welcome to BofA! The absolute worst bank in the US!

    Anonymous 4/6/11 2:46PM
  • I was verbally abused by a Bank of America front desk person,and eventually assaulted in his parking lot.The Bank has not contacted me other than a form e-mail letter,although I have written every day since the incident occured.I withdrew all of my business naturally,as well as several family members.This was not the first time a BOA employee was rude,and out of line.This is why Bank of America has sunk in the market.Customer satisfaction,pure and simple one would think,is not a priority apparently to this dog.

    Rockfishcc8 4/6/11 2:26PM
  • Attempted to redeem 10,000 Cash rewards Points on my BofA Visa Card on Jan. 21, 2011 for $80.00. After 1 month and no check I called Customer Service to be told that I would have to wait another month while they "investigated" my claim and to be sure that I was telling the truth. Here it is April 6, 2011, 6 phone calls later and a whole pile of excuses from their employees and still no check or Reward Points. They keep asking me to verify my address....the same address that I get my monthly bills/statements sent to, yet they can't seem to send me my check. BofA is giving me the run around for a lousy $80.00 and doesn't care that I will take my money and my business elsewhere. They absolutely do not give a crap about their Customers! Incompetent, Ignorant, Disingenuous, and Infuriating to deal with!

    Anonymous 4/6/11 1:37PM
  • I have been a customer since 1973! I keep at least $10,000 in my various accounts there at all times. One would think they would be interested in keeping me happy, even if they dump on the "poor people". Not true. They don't care about anyone.

    I had an erroneous charge on one of my accounts, and called my Branch V.P. several times. She never returned the call. I asked for contact info. for her Supervisor, and was told "someone would have to call me back." I got her email address, and sent four separate emails, all of which were ignored. I finally got the name of the Supervisor, Maria Anderson at B of A in Beverly Hills, but to this day, five months later, have not received a response to my letter and three phone calls to her! It is truly shocking that they get away with this. I am in the process of transferring my money elsewhere.

    Lauren L 4/6/11 10:23AM
  • Just got off from the phone with 2 customer rep. from BOA and i had to say it was the worse experience ever. BOA has the worse customer reps in the industry and i am seriously considering closing my account. i called to find out why my automatic payment setup was gone and the guy told me 'you might have deleted it yourself'. The funny thing is that i had called a week earlier and i was told they were upgrading their system and that it will be alright soon.

    Also one time i called to report my card stolen and the rep tried to sell me their other stinking stuff. Talk about insensitivity!

    They also have one of the stupidest and unfriendliest online system. We should all move over to amex!!!

    madmax 4/5/11 8:46PM
  • Let me start off by saying, I'd have loved to post my complaint directly to Bank of America's website… but they require a login before doing so, and unfortunately the inability to log in is the crux of my problem. Too bad BOA, your system is biased against people having problems with your website.

    ***

    Here's what happened. I had a semi-urgent task to complete in Online Banking, and upon logging in the same way I always had, the site kept telling me "You have not entered your Online ID. Please do so and click the Sign In button."

    I had indeed selected my ID. The site just wasn't acknowledging it.

    The response that I was given was that "you are an esteemed Private Wealth Management customer" and "Though it is a privilege to assist customers like you, our bank has marked your accounts to receive assistance from our Relationship Manager appointed especially to manage your accounts."

    Fine. Frustrating that my "esteemed" status required me to jump through more hoops, but oh well. So, what's the contact information of my Relationship Manager?

    The response to this question - TWICE - was to "call us at 1.800.878.7878 and receive the same dedicated assistance. We are available 7 a.m. to 10 p.m. Monday through Friday Eastern Time."

    The second time really bothered me; clearly BOA has not empowered its customer service staff to think for themselves, so she just went right back to the script and posted an identical answer **and I mean identical** a second time.

    At that point, I'd had it. When I need access to my account, I need access to my account. Bank of America, you can either make this easy on me, or hard on me. I don't have time to jump through hoops at 850am on a work day. BOA completely failed me today.

    ds123 4/5/11 12:58PM
  • I have sent an international wire but it did not go through due to incorrect information. That incorrect information was supplied by bank of america website data base. I was charged $65 fee anyway! What a rip off.

    Aston 4/5/11 12:23PM
  • Since I'm on a roll with BofA I may as well recount my latest experience. I called their Customer Service number to ask a simple question and a rewards check and was connected to an employee who sounded like I just woke him up or who was on tranquilizers. He was robotically reading from a computer screen, then put me on hold for 5 minutes while he asked someone else. When he finally came back on the line he asked me to tell him why I was calling because he forgot. I told him to connect me to his Supervisor and he put me on hold for another 7 minutes until I finally hung up. Way to go BofA! You will finally get your wish and force me to close my accounts and move to another credit card company!

    Jacknik13 4/5/11 10:49AM
  • Online banking with Bank of America is getting worse all the time. Today, I have spent 1 1/2 hours trying to access my money to pay my bills. After the initial logon, I keep getting dropped. After 7 tries, I was able to get thru to Customer Support to ask about the problem. The guy laughs and says, "Oh, I see we are doing an upgrade now." Who the heck does an upgrade in the middle of the day? I tried to call back 45 minutes later and an automated voice told me I would have to try again later. B of A really sucks at times. I am about ready to pull all of my money out of this bank!

    vidlen3 4/5/11 9:52AM
  • I've been a BofA credit card holder (2) since 1997, pay my balances of several thousand dollars in full every month and have excellent credit but they still treat me like some deadbeat no-load. Their "customer service" sucks to put it bluntly! They are under trained, lack basic customer service skills and don't try to hide the fact that they really don't give a crap about their "customers." They cannot, or will not answer questions without the old "transfer two step" so for one simple question you will be transferred from one clueless idiot to another until you either threaten them with closing your account or until you hang up in frustration. They do not know the first thing about Customer Service!

    Jacknik13 4/5/11 9:48AM
  • This morning We were at your branch in Tempe, AZ Southern and Mcclintock and for a moment I thought I was in another country! Two signs advertizing your Signature credit card were only in spanish. Actually, the english version was hidden against the wall, and against the glass on the counter where nobody could see it. Now, I speak spanish fluently, but WHY do we have to see such discrimination in OUR country? I mentioned this to the customer service person standing around, and he shrugged his shoulders.....unbelievable.

    Anonymous 4/5/11 9:37AM
  • Thank you for this info!

    Anonymous 4/4/11 5:09PM
  • Bank of america Sarasota downtown ,Clerks are so grimace they are not happy with their life in fact no Good morning no nice attitude ,i have a business in downtown ,i go there to your unit almost every day to deposit my checks and doing business with your bank, however i'm not happy with the Clerks ,they have negative energy every time i go there and makes me stress .seriously i'm thinking of changin my bank account to different bank.

    NAVIGATOR 4/4/11 6:40AM
  • my husband & I have fought with this joke of a company for almost 2yrs. As a result, we are in foreclosure of our home. At one point, I withdrew a hard-earned 12,000. from my 401k. BOA informed me at that time, they would work with us on a modification for our home. Well guess what, after they got our money, they determined we did not qualify for the modification. This company is full of nothing but thiefs, liars,and the most corrupt toward mankind. How can you sleep at night? You are truly evil. Thanks to you, after 8/31/11, my husband and I are homeless

    Anonymous 4/2/11 5:45PM
  • To the employee who stated that we "know what we're getting into", I have no problem meeting my financial obligation. However, when you are told repeatedly by bank employees that you qualify for the modification process and then they proceed to just do NOTHING, I submitted 3 complete packets, numerous documents, phone calls and still nothing. It shouldn't take 15 months to do this! And I never assumed that I would obtain one just because someone I knew qualified. We have been lied to, been rude to, mislead from day one. Look at the number of negative comments compared to positive ones. Be for real, the general consensus is that Bank of America has the worst repuation amongst banks and financial institutions. You enjoy screwing people over, glad you can sleep at night! Bank of America's day will come....peace.

    lisac 4/2/11 7:19AM
  • Bank of America is the worst, most incompetent banking institution. We spent 15 months going through a home loan modification, sent 3 packets, at least a hundred phone calls, and then they raised our payment by $300! Somehow in the process, they removed my name from the loan docs even though my husband and I applied jointly. Then we receive a phone call every night at 8:30 pm and when we call back, they have no idea why they called! It's ridiculous. They should be put out of business, who is monitoring the banking industry? I would never, ever voluntarily do business with them. Do not trust them or do business with them, they will screw you over!!

    lisa c 4/2/11 7:13AM
  • I've had a BoA account for a couple of years, opened it to consolidate and pay off my wife's credit cards. Since I paid it off about 9 months ago, I finally got around to closing the account today. Calling into their number was very easy to get to an agent, once I requested one it was less than 15 seconds for them to answer. The person was very courteous and when I requested the account be closed, she politely asked why (I'm sure for their internal survey purposes). I responded that I didn't need a line of credit anymore and she said she had gone ahead and closed it, thanked me for being a valued customer and hoped I would do business with them again. Based on this experience, I definitely will! The whole call took less than 3 minutes.

    PapaKlix 4/1/11 8:36AM
  • Bank of America has proven to be one of the most difficult banks to work with. We transferred our business account to BOA and they have given us so much trouble with withdrawing. They claim to have no fees, however we pay an average of $125 a month in fees to withdraw our own money. Then they charge a counter deposit fee when we deposit at the counter and not the atm.

    BusinesswomaninVA 4/1/11 4:52AM
  • B OF A is a joke!! They are liars and the misrepresent themselves. They cost us our home because they submitted my loan documents incorrectly and they knew how much money I made prior to submitting my loan which did not meet the criteria. The put us through hell. We did everything they asked to and then the day before closing the pulled the rug out from underneath us. I will NEVER use them and I will make sure that I tell everyone they are LIARS and will screw you over. B of A YOU SUCK!

    casper10 3/30/11 12:14PM
  • I have been trying for a loan modification for 2 years now. I have two letters from BAC that said they would be making a decision by a certain date. I am still waiting for an answer!

    Roger 3/28/11 12:22PM
  • We are writing to you discouraged, disgusted, and angry. We were supposed to have closed on our house by now. However, after an extended 80 day closing, Bank of America is still working on our loan. Although I understand there were lots of issues to be cleared up, there is no excuse for the disorganization, miscommunication, and length of time to close we have experienced. My grievances are as follows:

    1. Our loan service specialist, Lisa Young-Bresnyan, often did not return our e-mails or phone calls. She routinely told us that she had not gotten a chance to review our loan yet. She once told me, “I am completely and utterly unorganized”, which sums up our entire experience with her and with Bank of America.
    2. After we had an accepted offer and the paperwork with BOA was signed, we did not hear of any concerns from BOA for over 30 days. This says to me that BoA did not really look at our file until late in the game. Perhaps, if our file had been reviewed, the problems could have been cleared up earlier instead of later, requiring us to extend our closing twice. We were told that we were one of many files and that they would get to our file when they could, that they were understaffed, etc. Your lack of people and abundance of loans should not be my problem.
    3. We were told twice that our loan was dead in the water only then to be told that we were back in the game.
    4. Our loan went to the underwriter at least twice, where problems were found both times. Why weren’t ALL the problems found on the first time? That would have given us 2-3 weeks to clear up the second issue instead of waiting until it was too late? There appears to be a major breakdown somewhere in your system
    5. We were encouraged to go rural housing. When we originally contacted BoA to be our lender, our loan originator told us not to go THDA but rural housing, even though we were originally interested in THDA. Then, 70 days later, our same originator told us THDA would have been the way to go and we would not have had any of these issues had we gone the THDA route. We have since contacted another lender who repeated this and told us THDA would have been the easier, better way to go and that we would have already been in this house.
    6. It looks at this point that we have lost the house. In the last two weeks, both our originator and our service specialist have gone to bat to get this loan through for us. It is too late—BoA should have been going to bat for us the entire time. We have likely lost a great house, one that our realtor and our own knowledge assures us we will not find again. We have lost over $700 dollars in wasted appraisal and inspection fees. We have come to the end of our apartment lease and will now pay an additional $150 dollars a month to live month-to-month until we can find another house.

    No one deserves to have the poor customer service BoA has given us. BoA has not only given us poor customer service but has also affected us having the home of our dreams. BoA has also wasted our time, our money, and caused us utter disappointment. We will never, EVER use Bank of America services again

    Emily Brooks 3/28/11 11:18AM
  • 3/ 2010 i was approved for the loan mod. program with BofA since then they have lost paperwork repeatedly.I have had to "requalify" 4 or 5 times since 3/2010. I have mailed & faxed modification paperwork more times than I can count. I check back every couple of weeks and each time they tell me "my case is under review, someone will contact you" The only time I have been contacted was to say I was in foreclosure.When I call, no one at bofa has any idea what is going on with my loan. The ask me to requalify or resend docs, or send "updated docs" which I always do immediately.This last time, I had to start the whole process over in Feb because they had misplaced my file. After I was approved (again) and spending 30 minutes on the phone giving financials, they told me they would send a modify packet. I had to call 4 times before I finally received it. I mailed it in. After not hearing from them for 2 weeks I called. The did not have my docs. They told me to fax it. I did. twice. I spoke to evelyn, she assured me the docs were in and being reviewed. Since then I have checked in and spoken to numerous people who assured me I was under review. 3/10 I called to check, Reginald said they needed updated docs before they could go forward!! I immediately faxed the docs and called. Reginald assured me they were received. Today I called to check on the status & they told me they had nothing & I had to requalify again--to start all over! it has been over a year!

    Anonymous 3/24/11 5:55PM
  • Yes, the mortgage payment was 6 days late(first late payment since we signed the loan docs 8 years ago), and in the past 24 hours we've received two phone messages and a note on our door from BoA saying that we need to call them immediately. We did, and the person that answered had absolutely no idea why we needed to call. After applying for a home loan modifcation in July of 2010 and resubmitting the paperwork in October, BoA sent us a letter earlier this month stating that we did not qualify. The next day, a BoA rep called to say that we needed to resubmit the paperwork for the HLM. She was completely clueless that a rejection letter had gone out. What's going on at this joint?

    JC in Chicago 3/24/11 4:01PM
  • Have NEVER missed a house payment. Have the trace id number for all payments made to BoA but Bank of America still says they never got the payment. Since mid February 2011 I have been trying to get this issue resolved and still no progress even. The payment was sent using the same information I have used since January 2009. The so-called manager I spoke with last night (3/22/11) was supposed to call me at 11am today. I have left 4 messages since 11am and I don't even get an answer. They don't even act like they are trying to resolve this issue.

    frustrated 3/23/11 5:17PM
  • I receive at least 3 phone calls per day from 866-757-0047, 0044 or 0046 calling about a Bank of America special offer. Even though I made it clear I am not interested they continue to call. Anyone else have this issue?

    Fustrated 3/22/11 3:27PM
  • B of A has charged me many fees in my different accounts, which I was told that were completely free and had no restrictions or conditions when I opened those accounts. After some time, fees started showing up in my accounts, which BofA removed after I complained. Thereafter, fees once again started showing in my accounts, which once again BofA apologized for and removed. The explanation BofA gave is that policies for accounts change over time. My opinion is that BofA misleads on purpose its customers to lure them to open accounts and then they say "we changed our policies" we need to charge fees. I wonder how many million of BofA customers have not noticed those unethical fees, which provide great additional profits to BofA.

    Alex 3/22/11 9:47AM
  • As a promotional offer, my Bank of America Master Card sent out a buy one get one free voucher on an airline flight when you meets certain criteria. I received my voucher in the mail and tried to use it, that is where I had my problem. ANY FLIGHT TO ANY DESTINATION WORKS OUT TO BE MORE EXPENSIVE THAN ANY OTHER SITE WITHOUT A PROMOTION, AND IT'S B.S. I contacted B.O.A. and nobody could help me at all after 40mins on the phone. Why tarnish your company's reputation with offering illegitimate crap and scams to your customers? Answer, it got me to sign up didn't it. That is why I'm here today, posting an angry comment on their review page, and hoping others realize that this is not a good company, or a trustworthy one at all. This company as a whole is a major disappointment and will not be in my future. My hope is that at least one other person reads this message and they too choose to keep this disappointment of a company out of their future and credit history. A true company would read a post about their services and follow up with situations such as this one however I seriously doubt that will happen. Perhaps the Better Business Bureau is who I should have contacted instead of BOA customer service representatives along with numerous other departments who all have nothing to offer. I see no need for a quality company to associate themselves with a total scam, it only tarnishes your reputation, and I would like to see to it that it does. Your company made me feel like I lack good judgment skills and that is not something that I believe to be even slightly true. SHAME ON BANK OF AMERICA. Thanks for nothing, Declan.

    Declan Duggan 3/21/11 12:14PM
  • Would do all possible to avoid working with BOA on ANY HOME LOAN NEEDS! Very disappointing and was let down multiple times. Ball was dropped several times and missed closing two times because of BOA. Will never work with BOA again on a Home Loan need!

    Chris in Atlanta 3/20/11 10:01PM
  • For the second time in 8 months these clowns have lowered my credit lines, claiming I have too much debt even though my debt has been declining steadily over the last several years and I have sufficient assets versus liabilities. I have always paid on time and more than my minimum payment. My biggest issue with this tactic is that it harms my credit rating. Last year my rating was in the high 700's but with the lowering of my credit lines it has dropped me below 700. I will be paying their cards off and will NEVER, NEVER do business with these creeps again.

    vfmlib 3/18/11 7:52PM
  • We recently had a sink hole problem (Florida). The insurance company was not a problem with disbursing the funds for the repairs. B Of A property claims dept is another matter. I have contractors that want to be paid. I have complied with every request the prop calims people have asked for. Yet it is almost an impossible task to get them to release what is my insurance proceeds to be able to pay the people working on my home. When you call the 800 number you may get someone in any location in the country. You must go thru the same steps over and over again. Then they tell you the request is denied for some unknown reason. It BS over and over again. It is time some bank regulations are passed to protect the consumer. I am very disgusted with BofA and their customer service!!!!!

    john 3/18/11 12:53PM
  • Loan modification process is not working . They make you submit paperwork over and over . They make it hard to correspond with anybody at BOA .

    kowalchukjay 3/18/11 10:36AM
  • I have no card with Bank of America.
    I have no interest in banking with Bank of America. Yet you call my cell phone even though it is registered on the Do Not Call List. I seldom have the phone turned on - only when traveling so that I can be reached in an emergency.
    This month I received 15 to 20 business solicitation calls filling up my voicemail so that I did not receive several emergency messages.
    I need to know what to do so that you will never try to contact me again. PBudd@Maine.rr.com 207-774-6424 (home landline; 207-210-1526 and 207-210-1544 (cell phones)
    Hopefully, Patricia Budd

    Anonymous 3/17/11 6:46PM
  • Bank of America has no clue when it comes to customer service. It is no doubt the worst bank I have dealt with and I am seriosly considering pulling out my funds and go else where.

    Anonymous 3/17/11 12:26PM
  • After 5 yrs of good service, Bank of America has failed me miserably. I do a lot of online purchasing using my Bank of America Visa Card and seldom had an issue with them. However, in late December 2010, someone had gotten my numbers and charged $125 for some item I had supposedly ordered from Amazon. I made a report to the bank immediately and they credited me the $125 and would carry out an investigation. Well after 3 months of investigation they sent a letter on Feb. 25th (a Friday) saying that the charge had gone thru and had confirmed with Amazon for the purchase of a head gasket and was sent to Missouri. They gave me till March 7th (a Monday) to dispute the charge. Well given that the Postal Service no longer works on Saturday, the letter got postmarked on Monday Feb. 28th and I did not get the letter till Wed. night March 2nd. That only left me 5 days to repsond back to them but realistically that only gave me 2 business day to respond. I sent out my response Sat. March 5th, saying that I did not authorize nor do I know anyone in Missouri nor did the part fit my car. But I never hear a response from Bank of America again. My complaint is that the Bank should give at least 10 business days for people to respond or at least have an email instead of relying on the US postal service. Needless to say I no longer will ever do business with Bank of America.

    kevt007 3/16/11 12:04PM
  • Here in Madera ca. we have a bank manager who thinks it alright to act as if he has the right correct the conduct of his clients based on the input of unqualified attendants. This knuckle head has no idea that there is always two side to every story. At this bank there is such a high turnover of window helpers hardly any know their job. All you need then is somone like him to come up to you trying to creat a diversion to talk to you to tell you about a problem hes having with one of his agents. I rate this bank and manager a F+

    Anonymous 3/16/11 11:18AM
  • I went into my B of A to discuss that my husband's plant shut down after he worked there 35 years and that we would be without a paycheck for 2 months until his retirement comes though and we needed to make no payments (on consumer debt) for 2 months. I offered to give the bank the equity in our home which would secure the debt, I offered to use my line of credit to pay off my credit card but was told they would raise my interest rates on both accounts. The banker that was sitting and listening to the customer service person on the speaker phone could not believe that her employer would be completely unwilling to work with a longterm customer with a flawless credit history. She actually told the CS employee on the line that I should just take a bankruptcy and B of A would just have to eat the $40,000 since they were not willing to work with me. By the way the debt was due to long term illness, including bi-lateral knee replacement (mine) and my husband having developed neurological issues.

    Sagegrazer 3/15/11 11:15PM
  • Worst bank ever. They just keep screwing me and screwing me. They took part of my mortgage payment to open an escrow account without telling me then said my payment was late. Never bothered to tell me they opened an escrow account and took part of my payment without a single phone call. You can't take 5 min out of your day to let me know!!!

    Dthoms 3/15/11 12:09PM
  • I called BOA about a mortage refinance. They started the paperwork. Various things about the customer service during this period bothered me so I went to a local bank and started a mortgage application there. When I informed the BOA loan processor that I am considering another bank she went ballistic. I told her I will decide by the end of the day. She kep calling me throughout the day and angrily accused me of all sorts of wicked things. I felt as though I were being strong-armed into making a dicision that was entirely mine to make. It's my life, my money, my 20 year commitment. It was this person's position that since she spent a few hours processing the loan that I owed her all of that. I chose someone else. Get over it.

    Anonymous 3/14/11 7:46PM
  • Bank of America calls 4 or more times per week trying to sell us something. We receive mail every week from them trying to sell us something.
    When we needed to re-finance our loan, it took more than six months.
    I am certainly not interested in buying anything else from them!
    Tried calling to complain, but you can't talk to anyone live without putting up with an annoying computer.
    Go away BOA

    oz 3/14/11 5:23PM
  • Our loan was sold to BofA from Wilshire mortgage last year. We paid off the loan after it went to BofA. This was done in July of 2010. It has been over 7 months and still to this date we have not received the lien release on the property or the mobile home title that was used as collateral. We have called them several times and on the last the last call they finally admitted they lost the title to the mobile home. We have had to send them certified letters in the mail in order to try and get the lien release. We had to send them information on the trailer so they could try and find the title that they lost. I will never do business with these people again. We should have had all the papers on the property and mobile home within 30 days of it being paid off. We are having to get a lawyer just to get this matter resolved.

    Anonymous 3/13/11 12:44PM
  • Today I went to the Cochituate road branch (zip 011701) around 11.22am, to notorise two documents and the nice lady in the branch told me that the person who does that gone out for lunch and will come back 12pm. So, I went to the other close branch in 126 N ( near SHELL GAS station. There were two customers before me and they asked me to wait. I waited about 20 minutes and still non of us were served because the current customer is still there. then one lady came out of the room and asked about the my documents and showed her the two documents that I need to notorized. The documents are my VISA related ( Travel documents (AP), finger printing doc). She asked me where should she notorize them. I told her you cannot write anything on the original documents since they are VISA docs and need to notorize copies of them. She said BOA only notorize Original documents!!!. I knew this is a ridiculous answer and the time is around 11.47am, and I could go back to cochituate branch. So I head back to the cohituate branch around 12pm. This time a teller asked me wait few minutes and called me to his office. Then I showed my documents to him and he said he will notorize the documents!!!. Then came the shocker. You don't believe what this moron said " You need go to a photocopying place and bring back copies of the documents". I said I have communted between 2 branches almost 45 minutes, why can't you use the copier in your brach. This moron said " It is for office use only!". I have only use bank of america for all my banking as long as I live in this country and BOA have the nerve to tell me that It cannot use the copier to make two pages of photocopy. I came out of that branch really discusted by this and wanted to remove my accounts with them as soon as possible.

    jay 3/11/11 10:52AM
  • I have attempted to get a loan modification for over eight months. 1st time I did not qualify because I was unemployed. Now I have called over three times only to have a customer service manager mock me. I requested to speak to a supervisor (MASON ID NUMBER 6767). Most unreasonable and rude customer service supervisor ever! I cannot believe that banks get bailed out and someone like me cant even get paperwork/documents to start the process for a home modification. Instead at the other end of the line I get a Mad max character attempting to perform customer service skills. Bank of America is a disappointment and rated poorly in my book. Unfortunately I am not the only one that feels this way. So sorry for me to have my home loan under this bank. Never for my choosing... It use to be countrywide... I guess there isnt any more customer service... While conversing with Mason ID #6767 I requested to get the customer service survey. Most interesting is that he said he does not get that feature as he is the Loan Modification Declination Supervisor and all his surveys would be negative. Again, he chuckled in a sarcastic manner. Only he knows how great he is at his job. Good luck to you Mason ID #6767. You must feel good performing your job. I dont even blame him. Shame on you Bank of America! Shame on you!

    Adriana-National City 3/10/11 4:49PM
  • I spoke with someone about an overdraft on my checking account and an overdraft hold that had been placed on my savings account. I asked when the hold would be released so that my account would be positive again. She responded that it would be resolved by 9 am yesterday. Well its been 26 hours since then and the hold still hasn't been released! Way to LIE TO your customers.

    Anonymous 3/10/11 8:16AM
  • I have a credit card with Bank of America for years and the rate has always been 9.9% for years. Now i get a letter from Matthew Schlitz Senior Vice President stating, my promotional rate is expiring.
    This is bull..I've had this rate for YEARS!
    Now all of a sudden it's been a promotional rate. Now that my balance is a little high, they want to raise my rate. And the letter has no contact information to get a hold of them to discuss this. No phone number, no address, no web site. They are truely taking advantage of someone that has always paid on time and have been a customer for years.
    I'm going to do a transfer balance to another bank and never never never do business with them again.

    Done with them 3/9/11 7:55PM
  • I have been waiting to refinance 2 loans with BOA since 9/30/2010! This is not a loan modification. Apparently, they were taking care of the government funded modifications first! Here it is 6 months later. This is how they treat good customers!

    marybeth.taylor@comcast.net 3/9/11 6:11AM
  • I am living overseas and have Bank of America savings account in the US. Currently, I am trying to buy a car and wanted to use funds from my Bank of America account. No matter what I do, I have not been able to access my money from overseas. Apparently, their online transfer scheme is not set up to work with savings accounts. I cannot have the money wired to myself. I cannot access it with my ATM card because that doesn't work either.
    The funny thing is that I originally put the money into the B of A account by sending it from my overseas account. So they are set up to receive money from overseas, but not to release it back to the rightful owener overseas? Something is not right here! Why is Bank of America making it so difficult for me to access my own money?
    I have spoken with 7 associates at this point (several of them supervisors) and no one has been able to offer me any viable solutions.
    Bank of America's automated phone system is hell. It takes an eternity to reach a living person and then they want you to once more give them the information that you just typed into their system. Then you are put on hold. Then transferred, and the process begins again. Eventually, you are either cut off (an accident, of course) or your phone runs out of battery.
    As soon as I gain access to my account (if I ever do) I will be transferring my money to another institution.

    Frustrated Overseas 3/9/11 4:12AM
  • I hate this bank....they have lost my money (400$)that they put in the box and forgot to put it in my account....after 5 phone calls they all of a sudden found it...they said woops...they have done that twice to me one at a teller and once at the atm....and then all the fee's....they are the worst...I WILL NEVER BANK AT THIS BANK AGAIN....and nether should you......

    Anonymous 3/8/11 1:28PM
  • i was recently transferred to BAC from Ocwen. however somehow when i was transferred they opened up my mortgage with countrywide that has been closed since the start of 2009 instead of my current loan. now they are telling me that i am behind on my mortgage and going into acceleration as of dec 2008! really? if this were true i would have lost my home already. it has been over 2 months and even though the research dept has recognized what the problem is they have not fixed it! grrr..... i was a little happy when i found out ocwen transferred me because i didnt like them but BAC is even worse

    sharise 3/8/11 12:50PM
  • THE WORSTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT

    DEVONMAR 3/8/11 12:36PM
  • Bank of America sent us an incorrect 1099-R showing that they made an early distribution of our IRA to us when the IRA was a Trustee to Trustee direct transfer made out to the Federal Credit Union we were tranferring it to. At least 3 different CSRs, including an IRA specialist, told us that a Trustee to Trustee direct transfer (the check was made out directly to the Credit Union and sent by B of A) was the same as a "rollover" and we needed to file an additional 5498. Our Credit Union called a department head in Portland Oregon. That department head apologized and said she would correct the mistake since the 1099-R showed our entire IRA as taxable with a code 1 in box 7 and IRA checked in box 7. Today, almost one month later, we received a "corrected" 1099-R showing zero taxable but still coded 1 in box 7 and still checked in the IRA box which seems to indicate again the submission of a 5498. Our credit union states this is incorrect once more. Only now we are running out of time to file our taxes.
    One specialist (IRA, I was told), a Miss Clark, actually stated that if the Credit Union refused to treat a direct Trustee to Trustee transfer the same as a 60-day rollover, that I "had a problem". She insisted over and over that a direct Trustee to Trustee tranfer was the same as a 60-day rollover.

    Anonymous 3/7/11 9:17PM
  • Bank of America messed up our loan modification been trying for months to get it fixed with no help at all.

    Just posted the problem at the site below.


    http://web.me.com/oldal1941/HAMP_Backup_Loan_Modification_Errors/Home.html

    BOA_288 3/5/11 7:39AM
  • Bank of America Power Rewards turned out to be a Power Punishment. I dialed the 1-800 number and was connected to my "full-service travel agent." She booked my free trip to and from Vietnam. However, my "full-service travel agent" did not tell me that this particular country requires a visa, not just a passport. I wasn't allowed to board the plane. I immediately booked a round-trip ticket on my own, calling an airline and being told I could fly into Cambodia with no visa and then get documents to travel to Viet Nam. I spent $3,000 of my own money to book this next-day flight. I arrived in Cambodia, got the correct visa for Viet Nam and arrived there only to find that Bank of America had blocked my credit card
    AND my ATM card. Alone and terrified in Ho Chi Minh City, I called the customer service number on the back of my credit card. Even though the company had been fully and repeatedly notified of my travel plans and had in fact booked my original travel plans, which they messed up, they blocked my account for "unusual activity." They did not ask my my mother's maiden name, which is something a wallet-thief wouldn't know. They asked me a bizarre series of questions (What year was your house built?)
    Even though I am, in fact, the person I claim to be, the questions were such that I flunked the test. This was a terrifying experience. When I spoke with them on my return to the U.S., which was a long and difficult process,
    they assured me that there's a disclaimer on the ticket from their "full-service travel agent" saying they aren't responsible for providing travel information ; moreover,they have the right to block my account at any time, even if they are notified about my travel plans. They said they have the right to ask any questions they want on the security phone call. And they were not willing to accept any voluntary information I could give them about my account or prior months expenses.

    Absolute Power Corrupts 3/5/11 1:31AM
  • I am noticing many others having issues with their mortgage department. My loan was also sold to Bank of America late last year and its been nothing but problems. My former loan servicer I had 0 issues with for YEARS and now since I have been under Bank Of America, I've had over 4 major issues in about 8 months now. Much of the problem is the lack of communication. When my loan was first acquired by them, I didn't get a notice regarding it until AFTER my most recent payment was already submitted to them! On top of this, they didn't have my information available online yet so I had to call in to get my new account number and payment information (where to send). When I spoke to someone regarding this, she says "Oh, normally we charge $20 for over the phone payments, but I can help you this one time" AS IF IT WAS MY PROBLEM THAT I HAD TO CALL IN!!! On top of this, my escrow was screwed up during the switch over. I get a letter in the mail saying my escrow (and monthly payment) went down close to $70/month and at that time I knew something wasn't right. So I call again to tell them about this and they ensure me that it is the correct amount and I have been sent new payment coupons reflecting the new amount (they showed up shortly after). So now we fast forward to March. I always make my payments through my BillPay account online on the same date for the same amount. Well one day I decide to check my online mortgage account information, which I do regularly but not every single month as I am a very busy person. As soon as I log on, it says I still owe my February payment and to contact them ASAP to setup one!! So I call the bank immediately to tell them I sent my payment in almost a month ago (I've NEVER missed a payment) and the rep tells me "You didn't pay the full amount. We only received partial payment." I respond by telling them I paid the same amount that I have been paying for months and was not aware of any increase. She then tells me "Well we sent you a letter back in December telling you your escrow increased and that beginning in Feb your new payment would be higher, if you didn't get it then sorry!" Well first of all, I opted to get everything electronically as I HATE getting a bunch of paper mail. Bank of America sends me so much crap in the mail monthly that I do not have time to read over. There is a reason I opted for electronic communications form them. In addition to this, I never got a phone call to tell me "Hey your payment isn't paid in full". THEY WERE CALLING MY HOME NUMBER WHICH I ONLY USE FOR MY SECURITY SYSTEM!! The preferred number on my account before it was sold was my cell and my previous lender called that number if they needed to reach me. So I told her this and she says "Well the payment went up $65 due to your escrow increasing" You had a shortage at the end of lat year" I immediately cringed and was totally infuriated, especially since I TOLD THEM MONTHS AGO THAT MY ESCROW WAS NOT RIGHT! So much for being pro-active! So anyways, the issue here isn't my payment increasing, it is the fact that when I finally became aware of it, it was past 30 days and the rep told me it would be hitting my credit report! I have worked so hard to get perfect credit again and this will set me back once again. On top of this, it is only March 4 and the 30 day window for credit reporting was only 4 days ago. She told me there was nothing she could do since it was MY FAULT! Are you kidding me? After arguing with her for another 20 minutes I asked is there someone I can speak with to have this removed from my credit. It is obvious that I wasn't aware of the new amount since I DID PAY ON TIME, just the wrong amount!" She said she could submit a request to have it removed, but it is not guaranteed. This is absolutely unacceptable and I will be sending letters all over their organization as well as the BBB and consumer protection agency until I get this taken care of. I will also be changing banks if this is not rectified (I have checking, savings, 2 mortgages and a brokerage account with BOA).

    Collegegrad22 3/5/11 1:15AM
  • I recently applied for loan modification assistance with B of A and they continue to give me zero assistance. I'm behind on my mortgage payments by 3 months and i wanna keep my house yet they have no assistance for their customers but the loan modification program. This program is crap! They plug in your finances and see if you qualify, if not you get "sorry but if your finances change please give us a call back" my financial situation has changed that's why I'm asking for assistance! There customer service is so horrible and no one knows anything about anything! They continue to transfer you over and over again and you still get NO Answers or anything solved! I regret getting my mortgage with bank or America and told them to note that on my account! So I warn everyone out there DO NOT bank with bank of America they are the worst bank out there and they don't care about their customers.

    Outraged customer 3/4/11 12:52PM
  • Our daughter opened a new account at a Bank of America branch in Nashville and went to deposit a $500 check (in US funds from a Canadian bank. They had her sign a form and said the check had to clear before she had access to the funds, which she dearly needs. She has deposited similar checks in an existing account at BofA several times in the past. BofA has now kept $130 of the $500 as a clearing fee ! Due to BofA poor processes and lack of management our daughter is now out $130 !! for wanting to put money in their bank !!!

    Arnie 3/4/11 6:17AM
  • Just got the run around for about over an hour.Thanks to the worst customer service I have ever experienced, I am considering walking away from this house and renting cheap with peace of mind. My lenders could keep their house.

    Anonymous 3/3/11 12:04PM
  • Absolutely ridiculous and the worst people I have ever had to deal with. All representatives give you the run, say there going to take care of the problem but nothing gets done......I'm so sick of it. I'm ready to take legal action.

    bhackett42 3/3/11 10:51AM
  • I have told Bank of America several times that I am not receiving a martagage statement and still not receiving one!

    RUABH 3/3/11 2:15AM
  • me and my boyfriend went into the bank of america on collins in north arlington.. there was a little wait but darrell greeted us and kept us informed on how long we were going to wait and continued to make our wait enjoyable.. when it was our turn eduardo took care of us.. he was extremly imformative and took care of all of our questions and had us in and out of there. we both have other accounts at another bank and by the time we left we had switched both to an additional bank of america account.. thanks for the amazing service

    Anonymous 3/2/11 7:06PM
  • ok, my name is Tracy. I live in North Las Vegas, NV. My childsupport debit card fell into the ATM yesterday at close to 5 pm on a branch near the corner of MLK Drive and Craig RD. Customer support said if the branch was open the manager should be able to open the machine and retrieve my card. He came to the door was rude and said no, only the service company can open the machine. I call customer service back and hold on the line while she contacts the service provider. She comes back on the line to tell me there seems to be no malfunction with the machine. I tell her the card is not in the machanics of the machine, but laying inside under the card reader and I can see it. I just need them to open the machine. I get the response of no one can come out to open the machine. The first thing I was told is they can cancel my card and that one would be shredded immediately upon retreival, when I explain it is not my boa card, she then says they will leave it with the bank manager and I can retrieve it tomorrow. The card was not secure in the machine, I could not leave it there and pray for the best. I got a piece of gum and two straws and fished out my card. Low and behold two other cards were laying in there unsecured. I called to let customer service know how safe it is to leave the card in there, all I got was, we cant open the machine until it is serviced. All you can do is cancel the card or wait for retrival. I am in Nevada, it is a child support card from Ohio. If I was lucky it may have been replaced in 4 to 6 weeks. And by the way, with the time difference, I would not be able to cancel and reorder the card till buiness hours the next day. It has to go through the department of human services. They are not 24 hrs. Way to provide service and security. Your agents were curteous, but in no way helpful. This is not acceptable, your machines need to be fixed so that the cards do not fall inside or you need to service your customers when this occurs. It is sad that you do not even attempt to correct this situation.

    tracy 3/2/11 3:06PM
  • our mortgage was sold to them...have had NOTHING but problems! staff is NOT trained; nor do they seem to try to resolve problems or questions. they also OUTSOURCE...how can americans pay their bills when large companies pay other countries??!!

    hotrod 3/1/11 7:23PM
  • TERRABLE MORTGAGE SERVICING...NO ONE KNOWS WHAT THEY ARE DOING

    rhm 3/1/11 7:17PM
  • I just want to throw up with this company. I LOATHE them. I was forced to have my mortgage through them because they unwittingly bought my other mortgage company Countrywide. Who, ironically, were FAR better at managing their services than B of A. I have been trying, of course, to pay my mortgage today, and do you think I can? Of course not. Their site is down, and I wouldn't be surprised if it's down until after my payment becomes last. Amazing how that works!!

    Anonymous 3/1/11 4:27PM
  • I am thoroughly disgusted with your services. I have 4 accounts with you and today I can't get into any of them online. I would like to add a bill pay but again this month all your computers are down. I think it is time you look into your IT department and see just what issues they have. I worked for the Federal Government and never did we have to say I have no idea when the computers will be back up. This is the 2nd time in a few months this has happened. Please CARE ABOUT YOUR CUSTOMERS.

    Nancy 3/1/11 3:15PM
  • This company is abnormally uneducated and untrained in the jobs they are paid to do. Unless that job really is being rude to people, transfering you all over the place, lieing, giving incorrect information, denial of receiving paperwork,and leaving you on hold so long that the line disconnect. I am at the point of writing my concerns to
    Brian Moynihan and all others involved at his level. I need a HAMP modification and the refuse to help me, lets see if the CEO is any better!

    Anonymous 3/1/11 12:13PM
  • After announcing a plethora of new fees for personal checking and other banking accounts, one would think that the company would do a better job maintaining their uptime for their online banking. Last night and today (mind you the first of the month when many bills are due) their website is down. I have had it with this bank and have started transitioning my accounts to USAA.

    If you are a parent is former military, I recommend USAA as they do not charge any fees, have an amazing online banking website which includes the option to scan checks to electronically deposit them.

    fedup in Massachusetts 3/1/11 11:25AM
  • 3/1/11 bof a site down again today. I am so sick and tired of this outfit, I will be closing my accounts.

    terjo00 3/1/11 10:19AM
  • Horrible time trying to get to Online Banking. Why offer this service if its NEVER working. When you call to get information, they act like they can't be bothered. Would change banks in a heartbeat if I had a choice.

    Anonymous 3/1/11 9:33AM
  • Horrible customer service. Most tellers are rude and arrogant. They have constant fee that you are not aware of.

    DZ 2/28/11 8:43PM
  • The B of A online banking site has been inaccessible by me at home or by my wife at work, all day long, from 10:30 PST through 7:15 PST. Why did this not make the evening news?!

    davexplorr 2/28/11 8:20PM
  • Their website is terrible. Up and down all the time. Today (2/28/11) it has been down all day. No access to account information or Billpay. Took 20 minutes on the phone to finally get to a human and then all they could tell me was the website was down and they didn't know when it would be back up. Hard to believe that a bank this big could be that incompetent. Of course if you are "too big to fail" and the government bails you out all the time why should you care about your customers?

    Anonymous 2/28/11 7:30PM
  • What customer service it is a joke. The on line system goes down and then it take 20 minutes to get throughto someone who says sorry there is nothing he can do not even report the issue and now that banking and brokerage is all at the same olcation I am shut dowm. The CS represntative can not even send a message up the chaing to improve notice to client. They are quick to e-mail me ads for their services how about an e-mail notice that system is down.

    They are sssssssoooo big they don't care.

    Anonymous 2/28/11 2:00PM
  • This is the WORST Customer Service of any bank I have ever used. This is pathetic. You can almost never talk to a live person and the machines are terrible to work with. Do not waste your time dealing with this bank.

    BoAsucks 2/26/11 4:59PM
  • I have been waiting for a refund of $400 which the bank owes me for almost 5 months now, and the person I have been dealing with is almost unresponsive. I finally talked to her on the phone today and she could offer no resolution. I told her I will be in touch with her Monday and I want to know where my money is then, she said she couldn't promise me anything. I told her if this doesn't get resolved I will be moving my money to another bank (I have been a customer for over 9 years with a checking, savings, credit card, and mortgage with them). Her only response was "that's fine!"

    anonymous 2/25/11 2:51PM
  • I just came from the Bof Hintington Beach on Springer. I have two expired chaecks and wanted to talk to a manager of how to get new checks. A teller told me to cash the checks at the branches written one is in Arizona and another from Delaware. The Manager and clerk all Asian would not even talk to me afterwards and completely ignored my attempts to get their attention and help. They were 5 feet away and would not answer me when I called them over. Last name Nueyn

    Anonymous 2/25/11 1:46PM
  • Bank of America incorrectly deposited my mortgage payment into the principle catagory and not the interest catagory. This caused the mortgarge to seem that it was behind.

    Olivejuice 2/24/11 4:19PM
  • Terrible bank. Fought with them for half a year when they'd lost the proof of homeowners insurance I'd sent them, month after month, and insisted on purchasing insurance for me (from them, of course). I was hung up on, given numbers that did not work, and transferred to people who clearly weren't managers when I'd asked to speak with a supervisor. I was lied to often, and one representative gave me a different name at the beginning of the conversation than he did at the end. None of the representatives would give their location or a direct line. None of the representatives would connect me to the reps I had spoken with previously. Calls lasted anywhere from thirty minutes to an hour, ending with no resolution, or, by being told that I needed to be transferred and had to start the process all over again. Representatives were often surly or indifferent.

    I finally resolved the issue by contacting my state's attorney generals office and threatening to sue. Nothing else would have made a difference. They finally agreed to admit they'd received my proof of insurance, but made a point of saying that they could change the terms of my mortgage due to me not providing homeowners insurance! At no point did I not have homeowners insurance! They, through their incompetence, misplaced it.

    Absolutely criminal and incompetent organization.

    joeaverage 2/23/11 10:30AM
  • They never answer their phone, and its hard getting any information. I want to talk to a person, not a machine. It shouldnt be so hard to click through the automated service to talk to a person. The automated service is hard to maneuver through as well.

    Anonymous 2/23/11 9:31AM
  • Our mortgage was recently sold to Bank of America. This is actually the second time this has happened. Both times, we get multiple calls stating that they haven't recieved our payment. When we confirm with the bank the check has cleared. It would be one thing if BofA's customer service offered to look into this for us, but no. On every occasion WE have to call our bank and fax them a copy of the cleared check. If we had a choice we would NEVER do any type of business with Bank of America

    sheyward 2/18/11 4:15PM
  • Repeated issues trying to get account type changed. I have contacted via phone, online chat, email and in person at a Banking Centre.

    Each time I am reassured the last person stuffed up but they will put it right. Each time it appears to be happening but then falls back to the original account settings!

    I then requested a debit card while I was chatting line with customer service who were trying to resolve the first problem. They said they would arrange and have to me in week. It never turned up. I called BoA to find out where it was - they said they can't do card requests via chat so I had to request again. No one from bank tried to contact me to tell me this, whats worse why did the chat person say they could do it in the first place!!! When asked to look at the chat history so they could see the discussion for themselves BoA turn around and say they can't retrieve it. But I'm sure if the dispute was the other way around they would readily be able to recall the details!

    Shame on you BoA your service across 4 channels is woeful. Your product knowledge is equally woeful.

    Anz 2/18/11 4:01PM
  • I have been disputing a charge for a protection plan they enrolled me in but they refuse to do it because according to them, after the 30 days trial, I automatically enroll to the program. In the first place, I never called them to enroll me then they tell me they cannot get my money back???? And had to pass me from one person to another having to explain myself a million times to later tell me I have to speak with the same department. I have decided to move my account to another bank. I felt that I have been scammed by this bank which I have trusted with my money for years! UNBELIEVABLE!

    Scammed! 2/18/11 7:49AM
  • I can't understand why a company this big and well used can have such a lousy customer service department. I deal with a few different banks, credit unions and credit card companies and the AVERAGE for a BOA reply is 4-5 days.

    Waidesworld 2/15/11 11:33AM
  • I pay my CC acct in full eack month. The BoA tried to stick me with a 'finance' charge. When I called them....after much problems with thier voice prompts the agent was rude and not helpful. I have several account w BoA. But, now there is one less.

    Frank 2/15/11 7:47AM
  • I just want to say thank you for the information. It was very easy. Greatly appreciate the details. Customer service was efficient, thorough, & very polite.--Reno, NV

    Anonymous 2/14/11 9:29PM
  • First of all I want to say the ONLY reason I have an account at B of A is that a cousin I am supporting in college has an account there. I have to transfer money into his account twice a month.
    OH YES I got caught up in the balance scam they had of course I lost money.

    My cousin had tution to pay to day and I was going to transmit the money to him.
    I was depending on an IRS refund for that money. Ihe IRS on their web site said the money was deposited into my account by direct deposit on the 10th of February. I called the IRS and asked if they were sure the deposiit was in the bank on the 10th they said yes they had conformation of it. Accually it was sent on the 9th of the for deposit.
    Well today is the 14th of February and it has NOT been posted to my account. BofA said they do not have a record of the deposit. So I am doing to have to get it from one of my CDs. What a hassel. I AM SURE B of A has the deposit their just using my money for 4 or 5 days before they post it in my account. I am MAD. I have delt with B of A in the past and they have ALWAYS screwed the public. Well this is the LAST TIME. I will be pulling my account as well as my cousin's family accounts which makes 6 in total out of B of A.
    THERE GOT TO BE A BANK OUT THERE THAT IS HONEST, BUT WHERE??????????

    jr46b 2/14/11 9:22AM
  • Don't every take this option away from customers. My first contact with The Office of the CEO and Mary Bulsterbaum left me feeling I mattered, someone cared!

    Anonymous 2/11/11 5:21PM
  • I have been in a SHORT SALE (short, what a joke) transaction for the last 6 months. I was told that this should have closed in 45 days. I offered list price, cash, and someone at BOA finally got all the info. entered in the 4th month of waiting and approval letter was to be tendered then someone "accidently" deleted all info. and I was told I would have to go back to square one. My question is how long does it take to rekey 20 pages of information...they must have the slowest data entry people in the work force. I have submitted a formal complaint to the BBB to try and get them moving. I also agree with all previous post on customer service....(BOA has no customer service)

    Anonymous 2/11/11 1:19PM
  • I opened their new EBanking account jointly with my husband. A few days later I received a letter in the mail and an email confirming the opening of a new account. At this time, I'm waiting for the debit cards to arrive. After a week of waiting, I email them and am being told to just wait a few more days. I wait and email them again, it turns out the apt # was missing in the address they sent the cards too (Even though the first letter they sent me had the right address). They cancel the first debit card and mail me the new one on Feb 4 2011. Still waiting for that card to arrive (It's Feb 10 today). It turns out, my husband should have contacted them himself to have His debit card cancelled as well. ISN'T IT OBVIOUS TO CANCEL BOTH CARDS AT THE SAME TIME AS THEY WERE BOTH SENT TO THE SAME ADDRESS THAT WAS MISSING AN APT #? So my husband does call and cancels the cards and finds out the the address on the account is STILL missing an apt #! Unbelievable. At this time, the new statement is already on the account online and we see that there is no Apt #. I call them today and find out the the second debit card was not sent and that it will be sent tomorrow, Feb 11???>????? why wasn't anything done when they emailed me saying they sent me the second debit card? HORRIBLE HORRIBLE HORRIBLE SERVICE. AVOID AT ALL TIMES

    Maurice 2/10/11 3:00PM
  • I have been in the Making Homes Affordable program with Bank of America for 12 months. I just learned yesterday that my request for a modification under this program had been denied by BAC Home Loans on December 8, 2010. I was never made aware of this decision. After learning that the reason was due to information not being received on time, I informed the person I spoke to that I had verification via fax reports that I faxed the information requested on two separate occasions on 11/03/2010 to two different fax numbers. This was because the agent handling my request (Fabiola Rousseau) said the first fax wasn't working and to send it to another number (which I did and have proof). The woman I spoke to yesterday (Melissa) said that unfortunately the correct department didn't receive that information on time and because it's been longer than 30 days, I am unable to file an appeal. This sounds like a total scam to me. I did everything I was asked to do and was never late on my original nor the modification payments. I am extremely concerned that Bank of American is attempting to fraud me out of my home. I was told by Melissa that my case was being assigned to someone named Dominique Jones to determine if BAC would accept some kind of modification. Otherwise, my home would go into foreclosure. I do not understand how this can happen to people who are doing everything - it's criminal in my opinion and I would appreciate it if someone could investigate this fraud that is occurring. PLEASE HELP!!!!!

    Anonymous 2/9/11 11:04AM
  • I am a retired U.S Army sevice member. Unfortunately I became a customer of BAC by default. I had a mortgage with Countrywide Home Loans which was taken over by BAC. For more than 10 years my mortgage was paid monthly by the Defense Finance Accounting Serive (DFAS), through a military allotment deducted from my military retirement. Never experience a promblem until December 2010, when I received a collection call on behalf of BAC from someone in India; she said her name was Pam. She stated that they had not receive a payment and my account was behind. I explain my account has been paid automatically for ten years and tried to tell her that the payment had to be at their payment processing center. She continued to ignor me and kept asking if I would like to make a payment over the phone. I had her to transfer my call to the US, which did no good because the person in the US start telling me that I must have did something wrong. Long story short; I contacted DFAS and the provided me with a copy of the check that showed that BAC had received the check on 29 Nov 2010 but did not deposit it for payment until 27 Dec 2010. Today (8 Feb 2011) my mortgage payment two months behind because the payment processing center at BAC familiar on processing military allotments to pay mortgage. My January payment was sent back to DFAS twice. My Feb payment has not been posted, nor sent back to DFAS, and each time I call Customer Service I get someone in India with American names; Sam, John, Mary, Pam. In the past 6 weeks I have made no less than 30 calls to BAC. I had to stop the allotments and now looking to pay them directly online. But the website won't let me do that unless I open an Checking or Savings account; I don't think so, at a fee of course. Support the Troops; not if you are Bank of America, oops I mean India.

    teddyrodgers 2/8/11 9:14AM
  • I'M CONVINCED NEVER GET A LOAN FROM BANK OF AMERICA....they truly don't listen to you. I have to say though there are great people that work FOR the bank and this is what typically makes me sad to put them down but ENOUGH IS ENOUGH. Also read the disclaimer they have on the website It clearly says they are not repsonsible for any viruses you get from their site! How horrible is that! They have really lost the personal touch. I'm sure this has happened to many of you:


    Welcome to an online Home Mortgage chat session at Bank of America. Please hold while we connect you to the next available Home Mortgage Specialist. Your chat may be monitored and recorded for quality purposes. You are number 1 in a queue of 1. Thank you for your patience.
    You are now chatting with 'Roslyn ', a Mortgage Specialist. How can I help meet your goals in financing today?
    Roslyn : Thank you for chatting with Bank of America Home Loans today. How can I assist you with purchasing a new home?

    MrS: Well first I want to tell you that I had an automated call from bank of america at 7am this morning that I was not very thrilled about
    Mrs: when I called back it was a very complicated phone tree that asked for my social security number twice and still never gave me the information I wanted or an agent

    Roslyn : Great! We can help with that.
    Roslyn : In order to give you the most accurate information about your options, I recommend you speak with a mortgage professional over the phone. May I have your last name and telephone number?
    Mrs: did you read anything I just wrote?
    Roslyn : My part in the loan origination process, is to ensure that your personal information is collected and or verified for security purposes and to swiftly direct/connect you to the appropriate mortgage professional.
    Roslyn : You may reach us at (800) 768-4107, Monday through Friday from 7:00am until 9:00pm and Saturday from 8am to 7pm Central Standard Time.
    Roslyn : Thanks for taking the time to chat with us today, your feedback is important to us. Please take a moment to complete a brief survey by clicking on the button that says "close". Have a great day!
    Last text message receivedChat session has been terminated by the site operator.

    MrS 2/7/11 3:52PM
  • The lawsuit serves them right because they do charge excessively for overdraft fees. I have direct deposit and they know my money comes every two weeks through deposits and they still will bounce my checks just to get the fees. I would like to know if anyone has any idea about the customers refund in this lawsuit situation. Please contact me at 585-576-5715 so I can reach out to the lawyers who fought against the bank. Because they have taken thousands of dollars from me.

    Twilcox 2/5/11 4:57PM
  • BofA mortgage processor had NO idea of the current rules so I committed to buying a house that BofA couldn't write a mortgage on; this after getting prequalified and BofA commiting to a 30 day close. Go anywhere other than Bank of America.

    Anonymous 2/5/11 3:20PM
  • Terrible customer service. I've tried 3 phone numbers and none has a human online. The recording just says "Sorry your account info. is not available at this time." I need tech support re the website.

    Anonymous 2/4/11 10:46PM
  • Terrible customer service/ Do not use this bank!

    BofA 2/4/11 3:19PM
  • BOA is one of the worst companies I have ever dealt with in over 30 years. They have the worst mortgage department and I will never get another one from them.

    jaymac 2/4/11 11:09AM
  • bank of america is good company but they used a collection agencies called NCC BUSINESS SERVICES in north olmsted ohio to do third party for them and have felones convicted crimnals working and looking into personal data some as freshly release last year for less than minor crimes and once bank of america finds out issue they move less than ten feet away still being able to view yours and my info some has drug abuse charges and some are getting high on their breaks and coming back to give you a call i know i have witness it i really think bank of america owes it to there consumers to look into this a little more closely

    ray 2/4/11 10:08AM
  • In 2005 I opened a business and received a BofA business credit card. Unfortunately, my business failed and I declared bankrutpcy in 2008 both for the company and personally. BofA discharged the card in the bankrutpcy but then held me personally responsible for the debt (I don't recollect signing personally but could have). The biggest issue was that they NEVER notified me that they would be holding me personally responsible and I never heard from them between 2008 and January 2011 when I received a 1099 for $16K of income. Had they notified me I would have been able to include this in the personal bankrupty which is what the process is for...instead they just held onto it until they could make me claim it as income. I hated declaring bankrutpcy and was ashamed but had no choice. This is just foul play on their part to make sure I "pay" somehow.

    justjk 2/3/11 12:27PM
  • I have been on hold for almost 30 minutes!!! They need to hire more peoples to work at their call center!!!

    Anonymous 2/1/11 3:04PM
  • I said talk to an associate 4 times and it didn't work. I waited all through the listing of options and chose the one I needed. THEN I WAITED 9 1/2 MINUTES BEFORE A REAL PERSON ANSWERED. Customer Service--- what a joke!!! No service involved.

    Ken 2/1/11 11:48AM
  • For the last 6 months I have been receiving solicitations, letters, and phone calls from Bank of America regarding my home loan being in default - and that they were going to foreclose on me. MY LOAN HAS NEVER BEEN IN DEFAULT. I have paid my loan consistently on time for 11 years. I call and talk to yet another "customer service rep" who looks over my account and agrees that I am current. But no one can tell me why I keep getting correspondence from them like I am behind. Is anyone else experiencing something similar?

    Tallbev

    tallbev 1/30/11 7:09PM
  • I just recently took my elderly Mom to the Perimeter branch to cash a few checks. The customer rep named Wilma was beyond rude! First of all, the sum of the checks was rather large. She did not bother to ask what denominations we would like the cash in. When I saw her counting out the cash, I proceeded to politely inform her that we would like the cash in $100's and $50's. She responded with "I know." Well, turns out that we only received two 50 dollar bills in the entire bundle. At that point, I requested that half of the cash should be in 50's. Instead of apologizing, she responded, "I thought you wanted large bills." We've been BOA customers for the last 20+ years but may have to think about taking our business elsewhere! Wilma is a joke when it comes to customer servicre!

    dezigndiva 1/28/11 12:14PM
  • I work for a corporation that requires a bank reference on our credit application. When I see Bank of America listed, I just sigh. Just seeing the name makes me tired. Trying to reach an actual person is hard enough, trying to get a simple fax number to fax a reference form to is like asking US Congress to make a decision without a disclaimer. So frustrating that it influenced where I do my own banking. And the off chance that I do get ahold of a person, no one can ever seem to give out a fax number that works. I am to the point where I woudl pay the fee for the reference but atleast give me a number that works.

    Anonymous 1/28/11 7:55AM
  • We got a loan modification about a year ago . We were on the trail payment for about a year and three months ago Bank of America told us that our first payment was due on march 2011. That our trail payments cover our mortgage until march 2011. That we didn't have to pay Nov, Dec,Jan. We have documents stating this..We call Bank America and they told us the same thing. My husband check our mortgage status and it shows that we are Now three months behind and they want the money for the last three months, after they told us and verified the documents we got in the mail were correct.My husband called Bank of America and asked them what is going on? they told him they have made a mistake on there side . I am so upset because we could lose our home. We don't know what to do... I need some advice.:(

    Garcia2011 1/26/11 10:14PM
  • I have been dealing with B of A starting 1/05/11 trying to correct a duplicate mortage problem , My first call to them was 1/5/11 , at that time i explained my problem (dupe payment my error which i admitted at that time , I was told to fax my bank statement to them and to call back in 24 hrs to have corrected , called back on 1/6/11 at that time i was told to fax my bank statment to another number and to call back in 3 to 5 business day and it would be corrected , i called back on 1/12/11 , was advised they had information and it would take 24 to 48 hrs to correct , i called back on 1/14/11 was advised they needed a statement from my bank , put on 3 way call with my bank , my bank faxed statment they said they needed , advised at that time should be corrected in 24 hrs. called back on 1/18/11 , talked to a manaer , claimed it was set up to be taken care of on 1/19/11 . called back on 1/20/11 , was advised they needed fax of bank statement and letter from my bank , which i had already given them , disconnected , called back to 2 managers , left voicemail to returne call , NO ONE ever called back , called later on 1/20/11 , talked to a customer advocate , gave all info AGAIN , he said it would be taken care of in 24 to 48 hrs. called back on 1/21/11 was advised problem would be taken care of by midnite , called back on 1/24/11 , left msg on voicemail for return call , no one called back , called again thei am 1/24/11 , was advised it would be 24 to 48 hrs to take care of problem , and that is where i am at now ,
    I do think they need to look up the definition of CUSTOMER , SERVICE and ADVOCATE

    dtwgreg 1/25/11 9:36AM
  • I requested to close my account and after several phone calls they close my account but i never received my balance since that time. I called several time -Overseas international phone calls which cost me lot of money to check when will I receive the outstanding balance in my account. Now months passed and I did not received my money.
    Please contact me on my email:
    faldhamen@hotmail.com

    Best Regards
    Fahad Al-Dhamen

    Please help me.

    Fahad Al-Dhamen 1/23/11 12:04AM
  • IF you have a problem with a Bank. Tell them you are going to file a complaint with the Controller of Banks in Washington DC. This scares the hell out of them.

    sundancer 1/21/11 4:29PM
  • BEWARE! Now when you open an account BoA says that if you deposit and receive monies in your account via the ATM...there's no monthly maintenance fee. Sounds easy enough, right? Not so. I have had two instances where I deposited cash into the ATM and wasnt given credit for the appropriate amount of money. Of course, after a ten day run around...I'm still trying to track down my cash. There is NO recourse. If they choose to say I didnt deposit that amount of cash---well thats the end of it. After I explained to an account manager that I was suspicious of BoA holding my cash to gain interest on it...I was told, "we're bank of america, we have plenty of money we dont need to take yours". That indicates that I need to shop around for a new bank! I have called EVERYONE I can think of to gain access to my money, including the CEO's office and spoke with a couple "advocates". I was assured that the advocate is "on my side". Really? Im sure bank of america is paying him to look out for MY interests over there own. Yep, that was sarcasm.

    brandi1013 1/20/11 9:09AM
  • After numerous attempts via phone and email since July 2010 unable to reach actual human in the branch.

    Anonymous 1/19/11 6:05PM
  • PLEASE GO TO SMALLER BANKS, THEY WILL WORK WITH YOU. ALL MY CREDIT, SAVINGS AND CHECKING ACCOUNTS WILL BE CLOSED AT THE END OF THIS WEEK!!!!.

    BANK OF AMERICA DESERVES THIS VERY HIGH NEGATIVE SCORED. THE HELL WITH THEM!

    Anonymous 1/19/11 4:43PM
  • I opened an account at Bank of America 12/29/2008 hoping to transfer from Chase because I was looking to buy a home and decided I was going to use Bank of America. By 09/2009 I decided I was going to stick with Chase and went to close the Bank of America account on 9/21/2009. When I went to close it I was told that I owed $10.95 because I had already transferred the balance back to my Chase account. The $10.95 fee was for credit monitoring that I had on the account. I paid the fee so that the account was -0- and then told the teller I wanted the account closed. She went for another lady who proceeded to "close" the account, I should note that I've never closed a bank account before so when she told me that the account was closed and gave me my receipts for the payment I made I went on my merry way. On 03/02/2010 I received a letter from ERS solutions Inc. stating that I owed Bank of America $128.26, I called the bank to inquire what the charges were and was told that they were for credit monitoring. I informed them that the account had been closed since 09/21/2009 and asked how a closed account could be charged for credit monitoring. The representative told me that the account was not closed properly and that they were at fault and after giving all the details I was told that it would be taken cared of. I had not heard anything from Bank of America since after I closed the account to make me suspicious of the fact the account was still open. After speaking to the Representative in 03/2010 I had not heard or received anything further. Fast forward to 01/2011 I receive a letter from NCO Financial System about the same $128.26. I again explained the situation to the credit collector and contacted Bank of America only to get a run around, about how old the issue was and if I had resolved it sooner they would be able to give me a credit. They said they no longer have access to the information since it's with a collection agency. I first called customer service who gave me the number to recovery services who couldn't help and told me to call customer service, which connected me to customer solutions that sent me back to recovery. They told me that if I had closed the account I should have received a statement saying it was closed, which I never got and since I never closed an account and they never said that when I went to the Bank to close it, i guess I have no proof i actually closed it. Other than the fact that i am not dumb and I am cheap and hell and would never leave an account for charged to be billed for no reason. Clearly they are trying to make it seem as if I am at fault when I've spoken to reps who told me they were at fault and now they try to turn the table saying I should have known that I had to receive a statement saying the account was closed. I have $128.26 that is in collection and I refuse to pay it because I spend my time and money monitoring my accounts and money to ensure I am not being scammed by individuals and it's the institutions that you trust to be trustworthy end up cheating you. I don't pay lifelock and check my credit report trying to keep my name clear and myself debt free for Bank of America's billionaires to try to cheat me out of $128.26. They will get that money when I die. They can dig my body out of the ground and sell my body parts in order to get that money, but as long as I am alive they will not get that money. I've never owed a single person, or company for anything. I pay all my bills before they are due but I won't pay a bill I know I don't owe, I am not made of money Bank of America and if you heard otherwise then bully for you!

    alidan_01 1/18/11 3:58PM
  • As the owner of my own business and having studied hotel management at an ivy-league university, I know quite a bit about customer service. And I can say with absolute confidence that Bank of America has the absolute worst customer service I have ever experienced. It shocks me how such a large organization like yours can have complete disregard for those who trust them with their money.

    Last Saturday (January 14th, 2011), I called to speak to someone about my Annual Percentage Rate, which is a whole other story in and of itself – how can they charge a 30% rate? That is absolutely ridiculous. It’s a bank, not a pawn shop. One would assume that a financial establishment would hold higher standards and respect for their clients.

    I spoke to one of their customer representatives that day. He was incredibly rude and unhelpful. His negativity alone made me upset, so I asked to speak with his manager. He retorted back in an angry tone, to which I answered before he cut me off mid-sentence. I finally spoke with his supervisor, who was somewhat helpful. He tried his best, I’m sure, but he was still not friendly nor concerned with what I had to say. Nevertheless, I was satisfied that he gave me somewhat of a solution.

    A couple days later, I check my online account and I see that a late fee, which is completely unjustified and false, was charged to my account. On January 15th. Coincidence? Words cannot even begin to describe my anger at this situation. How can they even hire someone that would do something like this? Unprofessional doesn’t even begin to describe his character. His actions are completely unacceptable and borders on illegal. I sincerely hoped that, as a company, would recognize his behavior: his demeanor is negative, his actions are obvious and blatantly malicious.

    I called in to speak with someone about this entire situation. It took me 3 tries to get through to someone, and, when I did, I had to hold for 15 minutes. I explained everything, and the woman I spoke to today (I don’t remember her name) was unenthused and apathetic. She defended his actions, and she refused to listen to me. She wouldn’t let me speak, nor did she care when I did. In the end, she spun the entire story as if it was my fault. I had not used this card nor made any late payments, so this charge should not have occurred whatsoever.

    I understand that the representatives have limits in what they can or can’t do, but a simple apology or understanding would have been more than welcomed. But, no, characteristic to the horrendous incapability of their staff, I was left with no answers and more frustration.

    In the end, this has nothing to do with the $35 late fee. That’s just chump change. This has to do with the principle of respecting their clients. Their customer representatives have no idea what they are doing. Were they not trained? If they were, they have not learned anything.

    Bank of America, please, don’t be cheap. Hire some more people, spend a little more money on more competent people, and you’ll have a much smoothly working service with much happier clients. Start focusing your attention on improving your customer service. Immediately. Stop getting meddled in the politics of money (which we probably don’t want to get into right now, considering your sticky situation), and start focusing on the people who give you your money to begin with.

    Anonymous 1/18/11 2:42PM
  • I often use the BOA in Concord NH. Everyone there is quite cordial, and the overall experience isn't great but isn't horrible either. I have one question- you have six teller windows but usually have only two, perhaps three tellers at best. There always seems to be plenty of officials at the desks, who seem fairly relaxed and unstressed compared to the very harried tellers, who are probably the lowest paid people on the staff. And somehow you can afford a greeter who very pleasantly says hello and goodbye and sometimes tries to reduce the line of customers by offering to take strictly check deposits with no cash back, something I have never seen anyone take advantage of. If the greeter took up one of the teller windows, we'd all get done a lot quicker. I do most my banking iwth TD North, and am considering moving my last account from BAC to them as well

    Anonymous 1/18/11 10:30AM
  • BOA is the worst bank I have ever dealt with I have been a customer for over 10 years never had one late payment. I called in to get a balance transfer check after paying my account in full and was told not only they would not give me a balance transfer check but that they would be reducing my credit line from 20,500 to 2,400. Then I was told that they could fix it in 45 days when the credit bureau was updated well I called back in and now they have decided to close my acount that had no balance and never had a late payment in over 10 years. This bank is the worst in customer service etc. I will never deal with this bank again in my lifetime.

    Anonymous 1/17/11 9:14AM
  • Simply by accident on 1/10/2011, I found out that my Bank of America MasterCard had been cancelled. When I called Customer Service to see what happened, first I was told that they had received a phone call requesting that my account be closed. I replied that I had not made that call and I was really concerned. Then I was transferred to the Fraud Department and told that my account had been compromised and my card had been cancelled (and that another card would be mailed to me). I asked why I was not notified and was told that there was no operational phone for this Fraud Department. (I do not believe this is “world class service” as their phone recording states. If they can cancel cards due to a mass compromise, why can’t an email be sent to each customer?) When I continued to complain, I was told that I couldn’t speak with a manager but could WRITE a LETTER and mail it to Terri Tollman, PO Box, 15026, Wilminton, Delaware 19850. I replied that I was not going to write a letter and wanted to speak with the Sr. VP of Customer Service for North America. I was told that was impossible. I asked to speak with his manager and he told me that he couldn’t promise his manager would call me back, but would deliver it to him. Two days later, I have not received a call back. I am now going to call the office of the CEO in Charlotte, NC. Per the web site, the number is 704-386-5687.

    Anonymous 1/12/11 10:26AM
  • Where do I start? BOA is probably the worst customer service I have ever experienced. I have been dealing with them since April 2009 in the Federal Making Home Affordable Program. I can't even go into all the detail, frustration total lack of service I have experienced. In December we were told that our Modification was in the hands of an underwriter, this is supposed to be the last step before something is actually done. We have never escrowed our property taxes, but in January we received notice from BOA they have paid our winter taxes and are now escrowing our property taxes. We were never notified, warned or had any idea this was going to happen...WELL... because of this NEW escrow our payment just increased by about 70%...we now have no chance of making our January payment unless BOA works something out with us...So instead of helping us, BOA has just made our situation much worse...thanks again for your help BOA!

    mleonard 1/10/11 6:44PM
  • Rebilled me for an account that was settled more than a month ago. They had already billed me twice, and I was refunded twice for that merchant. So there is no reason why this matter should ever be brought up again.

    I keep getting people at B of A who are poorly trained, and direct me to the wrong phone numbers or numbers that are disconnected.

    billsincl 1/9/11 10:58AM
  • Ditto on the comments below. I have received 3+ calls a day for over a month (from off shore)asking for my SS#. Believing that if the call was truly from BA they wd. have that info. & ask a different security question. I have been nice, rude and really rude insisting that I receive no more calls. On 12/23/10 I went through the whole 9 yards with a rep. who assured me my accounts are in order and there wd be no more calls, then proceeded to attempt to sell additional services. Today I received yet another call. Since this started in early Dec. I am receiving 5-8 hang up calls a day. I suspect it is the off shore line not connecting when the phone is answered. The call back # is 800-669-0102. I believe it is a scam or at best a solicitation. I tried all the numbers posted herein and have been disconnected in all instances. That this harassment is allowed & legal is unspeakable. There must be an agency to report to. Does anyone have a suggestion?

    Anonymous 1/6/11 12:00PM
  • I work for a large insurance company and called Bank of America to verify insurance for a customer. I have just spent approximately 30 minutes trying to do so. I tried three different phone numbers. The first two times, the phone would not allow me any option to speak with a representative and continued routing me to a payment message. The thi8rd time I made it to the correct "speak to an associate" message and was on hold for one when the phone told me "your call cannot be completed" and hung up on me. I like to think I'm an intelligent, rational human being but your automated system makes me want to tear my hair out.

    jennifer 1/6/11 10:21AM
  • I manage a condominium building where Bank of America has foreclosed and owns a unit. It has taken no less than 14 phone calls in an effort to inform the bank that their property has been damaged. I finally reached a human being who was no more help than the endless circle of automation.
    I'd hate to be one of their customers.

    Happy to be at BB&T 1/5/11 5:27PM
  • Bank of America customer service reps pretend to begin to help me on the phone, then they all of sudden hang up the call while pretending to talk to me. It happened 3 times in one day, so its no coincidence or bad connection. I'm closing all of my Bank of America accounts and going elsewhere. This crap didn't start till they merged with Countrywide.

    secondmac 1/3/11 2:00PM
  • I am a signal mother who own a home in stone mountian Georgia on 12/15 I was kick out my home on a bank note that did not belong to me in fact B/A said the note belong to someone at a nother address in some else name how my house get swich with this note i have been paying for over 20 year I have told every state, federal, county goverment that this is not my debt no one heard me now i am homeless with a 16 year son. my home is now wild open so that anyone came go in a demage it and B/A said that was not my loan I deleive that Dekalb conuty is involve in the taking of my home because I gave them proff and they sill allowed fales document to be file in ther record were they forecloseur in the state of florda everyone know that that can not happen but eveyone in dekalb said it can.because every home they take an rehab, it genarete more money for the county. this county have to highs foreclosur in the state of Georgia. the police I file a complete with them I was told that no one for the Marshell will come out to put me out of my home I have pitures to show they did. Why am I homeless And you A home they is in my name paid in full?

    homeless 1/2/11 11:53PM
  • my mortgaga is with boa i fell behind due 2 layoff at work. i called boa 2 work out a deal. was told 2 send in x amount of money which i did and when i called 2 send in my payment the next mo i was told they couldnt accept it cause of a code on my acct. this went on for 3-4 mo and finally my home went 2 forecloser. i called rrf only to find out now they were a scam. any advice

    carl 12/30/10 8:59PM
  • I have had a very bad experience with Bank of America regarding wire transfer. They have the lowest rates compared to other bank. Please choose other banks or do your research. For sure dont use BOA.

    rks 12/28/10 12:56PM
  • They let a Company charge my old BofA account. When they found the error they charged me a late feed. They had never sent me a bill to my new BofA account till it was 3 months pass due.

    JIB5 12/23/10 9:06AM
  • I have been trying to get reimbursed for a stock certificate that the bank lost in July/2010 when I sold the property and closed. The banks attorney said I had to pay for a new certificate and will be reimbursed. To date (12/17/2010)with numerous phone calls and never a return call back, I have not gotten reimbursed for the stock certificate that the bank lost. I sent the paper work in 3 times and the banks law firm sent the paper work in once. Please someone look into this matter and get back to me.

    Frank Piga

    Frank 12/17/10 11:44AM
  • I was just on the phone with BOA for an hour. I spoke with 3 separate people to try to answer my question. Two people were very polite and helpful. One person, Linda was rude, condescending, abrupt, kept interrupting me and acted annoyed by my "stupidity." My ratings are a reflection of Linda, not the other 2 people I spoke to. A company is only as good as it's worst employee and Linda puts BOA at the lowest of the low.

    SewFabulous 12/14/10 3:21PM
  • The bank did away with the kind of account we had with them. We were required to keep a $750 balance. They put a notice on our statement(not our online statement) which i didn't see, and then without us signing anything switched our account to one which requires a $1,500 balance to avoid a monthly charge. When our account went to $below 1500 they charged us 14.00 . we are closing our account, as they refused to refund the 14.00, even though we changed our account product and were going to remain a customer, if they refunded the 14.00.

    emerald 12/13/10 9:40PM
  • I have been trying to reach a PERSON at BofA for 1/2 an hour and end up in ENDLESS LOOPS with automated voice - this has convinced me to take my money, after 25 years, elsewhere. My husband and I have 4 or 6 accounts and do online banking. I got a form letter informing me that the Newport Hills branch in Bellevue, WA, is closing and no number to lodge my HUGE PROTEST to this very inconvenient closure. It is always crowded, it is the last "homey" place you have and I am disgusted that I cannot talk to one single person about it - just some automated voice that keeps giving me my balance. I can't stand it anymore--no one seems to care.

    Jane Mauss
    Soon to be former long-time customer

    Anonymous 12/13/10 6:03PM
  • So I had temporary card, and was using it for a month until it went away..no one felt the need to inform me i need a permanent card. so i called bank of america, and the lady, who i hope get's fired, blocks my account, and reports it lost. How is it lost if i read you the card number?????? So now I need a new card, she had no idea what it took me to go and get the permanent card that she blocked. Bank of America customer service sucks. Everyone should be fired because they suck, the managers are pretty good though...Get Chase guys..

    stephie18 12/11/10 10:29AM
  • I'm refinancing and paying closing costs JUST to get away from these bastards.

    madgegooligan 12/10/10 11:25AM
  • I moved to arlington tx. and i put my money in checking account with bank of america,and i put my eight year old sons money in a savings account with bank of america .i would make deposits weekly to pay my bills and mind you i was living on unemployment benefits.Bank of america was letting someone from the enternet take over 170.00 a month out of my account for like 6 months,i had no idea this was going on,so every time i would pay my credit card bills they wud not cover thelm causing a snowball affect to my account,so my bills were not getting paid,they cleaned my sons saving account out for there fee"s from my checking account.i dont kno where my my has gone,i explained all this to the bank manager and she fully knew wat was going on and said if she was me she wud close the account,so i said ok ,then i moved back to arkansas and my account statements kept coming,so i went to the bank here in town and the manager said my account was still open with a penny in it.I demmanded to close this account ,so they gave me a penny and said ok!I have bad credit now with my creditor and this makes me have to file bankruptcy becus now i dont have a choice, thanks boa! and while i was at the bank here in town ,i overheard another customer saying they took 2,0000 out of her account and had the deposit slip to prove it.And a week later i was just driving by and saw a man holding a sighn saying Bank of America stole my paycheck!!!!!!something has to be done,they are stealing and getting away with it!!!

    bank of america victim 12/9/10 7:50AM
  • Kcollins,

    This has happened to me multiple times, even though I have paid on time. The kicker is the threat and FEAR, you will be foreclosed if the $3ooo.oo fees are not paid!!!! Then I call and ask, oh, no, everything is ok and on time.. I write who, when I speak with and even then I run into extreme problems. Even had a family member say my name was in the paper for a foreclosure, AFTER I had made amends 2 years earlier AND continue to make payments on time.!!!!! I don't know what to do!!! I thought that this problem was only with me.....

    tracymac1230 12/6/10 9:49PM
  • This is the worst bank to deal with. Almost impossible to speak with anyone let alone one with knowledge.

    Anonymous 12/6/10 11:22AM
  • Okay, it just make me sick reading all of these comments not to mention how sick I am over what I'm going through with them. (I posted it earlier)
    I suggest everyone on here do what I am about to do...contact President Obama and hold him accountable. This is one bank that should have gone under but thanks to the bailout they are able to steal our hard earned money (which is what the bailout was...our tax dollars) and continue to rip off Americans through shaky ethics and unfounded charges.
    Enough is enough. Write to the President and demand action! Remember, he works for us, we pay his paycheck and keep him in the lap of luxury. And why? So he can take action and protect us from situations such as these.
    Let him know what this bank is doing to his citizens. I don't know if it will help, but it sure couldn't hurt to try. I am willing to bet he won't be too happy to have his office flooded with negative mail about this bank. We have to speak up in order for them to be stopped and if anyone can do it, it should be him.
    This is how I plan to address my envelope;
    My name
    My address
    My city,state & zip

    Attn Mr. President,
    another victim of Bank Of America, please help!

    President Obama
    1600 Pennsylvania Ave.
    NW Washington, DC 20500
    I hope everyone joins me because we need to group together and put an end to corporate greed and manipulation.

    lcollins105 12/3/10 8:30PM
  • Nov.12th 2010 I sent a cashiers check in the amount that BOA's online payoff calculator claimed my payoff balance for my mortgage would be. Over a week later it still wasn't applied to my account. I sent it certified mail and it was received by them on Nov. 15th...
    I contacted them online asking why it hadn't been applied. No response.
    Suddenly I get an alert for insufficient funds where they tried to withdraw my mortgage payment from my checking account.
    I contact them again...the 24th I get a response claiming they didn't receive the payment till Nov. 23...Now I know this is a lie. On top of that, they claim I owe an additional $3,900.
    They ask me if I would like to apply the payment I sent to the account. I say yes and give them a piece of my mind for false balances and an incorrect payoff calculator and tell them I expect to send the remaining amount by Dec. 14th and for them to inform me if the 3,900. is correct or if it has gone up.
    Now they respond and say they would rather resolve this by phone.
    There was no reason for that. I again tell the to apply the funds and inform me of the balance. Again, they don't do it.
    This should be simple...you owe a bill...you pay the bill...done deal right? Wrong. They decided that since I did not contact them by phone that they would send the payment back via fed ex. Okay, so now there are charges on top of charges piling up while my check is in limbo. Yup, limbo....the address they sent it to is empty...under renovation...no one is there to receive the fed ex delivery.
    Basically they refused to accept payment on the account.

    lcollins105 12/3/10 6:31PM
  • i became in debt due to fraud. Then I was hit with many collections from judges for unpaid bills. at the time i could not pay so i closed my accounts.
    bank of america refused to close my account per my request inventing instead that i had one penny in my account.
    this is legal to reopen a closed account with a zero balance change my balance to a penny and then charge me a 100 dollars processing fee.
    after the robbery i was damaged at which time bank of america left me high and dry when i couldn't remember my protection code. i had to drive an hour and a half to a boa manager that knew me.
    but i wasn't born yesterday!

    it doesn't take a genius to realize that boa would love to collect some more fees and will say the law is behind them in this.

    good idea. pretend there is a penny in my closed account to make 100 dollars!

    wells fargo refused to close my accounts as well. wf made a cool 289 dollars after their oops silly mistake. call it a convenient mistake. a mistake where you make money and the law is behind you.
    kick em when they are down!

    abused now in debt 12/3/10 12:16PM
  • I work at a switch board at a very busy office and I sometimes place people on hold; now mind you, our system only allows people to hold for exactly 35 seconds before interrupting me, but this RUDE caller calls back repeatedly after refusing to hold for even one second. He proceeds to YELL at me telling me he is from BOA and demands to speak to an employee...WHO DOESN'T EVEN WORK HERE! I told him he had the wrong number and hung up. Then he calls back, asking if he called "so-in-so business" and I told him no and hung up again. If this is how they treat the people they serve I AM NEVER SWITCHING THERE!

    melimel 11/30/10 9:09AM
  • My loan was recently sold to BOA - and from day one the customer service has been shoddy. It started with two payments made online in Aug/Sept not being included in the data conversion (found after 3 weeks of daily phone calls - lasting hours with multiple reps, most of whom didn't know what they were doing and quite frankly didn't care). In at least three instances when I asked to talk with a manager, I was conveniently disconnected. In the meantime, I was told BOA does not send any negative credit information to reporting agencies until 60 days following the conversion/sale of loan so do not worry about the missing payments. In the meantime, I received intimidating "letter of intents" by certified mail. Don't worry? WRONG, I was and remain worried in spite of BOA finally finding my payments. Did I get an apology? I think you know the answer. I will move this loan as soon as I can. I previously paid by the 15th monthly using the former company website. Do I dare use BOA's or will my payment be lost? This criminal organization wants houses not customers! That is CRYSTAL CLEAR. I am disgusted.

    Mimi874 11/30/10 8:47AM
  • I definately agree the Bof A customer service is really bad as is the service and the unknowing and arrogant, misinformed branch manger at my bank. I will be moving my account and my nephews account to another place it only amounts to approximately 500K but I have banked there for 17 years and overlooked one blunder after another just can't take anymore of it. It would be different if it were an employee mistake but when it is a branch manager she actually went into a triade when I ask who her boss was.

    Anonymous 11/28/10 12:47PM
  • B of A still continues to call me every month about my mortgage. I never, ever pay late and always pay MORE than the coupon states.
    They actually reported me to the credit bureaus as being 30 days late. I called and they told me that they would send me a letter stating I was not 30 days late and I could forward it to the credit bureaus to get it resolved. Instead, B of A sent me a letter stating I was in DEFAULT!!!!

    IhateBoA 11/20/10 2:38PM
  • The bank does not care about the total client relationship any longer. I have several accounts business and personal, loans outstanding, and the bank won't look at my total relationship in linking accounts relative to fees. I used to hae a personal banker but not any longer because I won't let Merrill Lynch invest $250,000 for me!

    The training is poor as I get one answer from the telephone rep and another answer on same question from the branch.

    Every year the service decreases.

    Dormey 11/19/10 2:31PM
  • it is impossible to talk to a REAL person! ill take my money where i can actually talk to someone

    Anonymous 11/18/10 3:57PM
  • customer service is horrifying.

    Anonymous 11/18/10 3:53PM
  • not wanting to pile on, but reading these complaints it's amazing that this company still hangs a sign outside their buildings. i too have the same horror story pertaining to the home retention program BUT after fighting for 9 months and getting letters stating that they were going to demand mortage payment in full, they did approve me. got the letter and everything, but now they have monies in an partial balance account and won't give it back....over 6k in that account.....jeezzzz include me in the class action lawsuit that will come....

    whodog 11/16/10 8:55AM
  • I called the Mortgage office at around 10:20 and had to be placed on a musical wait for exactly 27 minutes and 38 seconds (recorded on my cell phone). At that time, my class came back so I could even talk to the rep. I told her I would have to call back another time since my class is back now, and because I was put on an extended wait.

    Hai Yen Vo 11/15/10 11:56AM
  • Your bank is a thief and I am going to report your banking practices to the Better Business Bureau locally. I inadvertently sent my American Express payment to AAA Financial back on Oct. 15. Even though I had already JUST timely paid in full my AAA VISA bill I was not notified and I was billed in full for the following month. I had no idea about my error until I received my American Express bill for the following month. I immediately called customer service number on my AAA VISA bill. They told me they would refund my payment to my CU immediately, that was Oct. 27th. No payment to my CU has been received to date.

    Anonymous 11/15/10 8:15AM
  • While I'm not sure if this works the same way for other departments, for general customer service it's not too difficult to reach a rep.

    To reach a live person :

    (Customer)
    - Press *33
    - When prompted for access ID, enter your account or debit card number
    - Enter your full social
    - Allow the system to provide your balance and/or any brief message
    - When it gives you further options press 0#

    The system will the connect you. This is the fastest method to reach a rep as it will also pull up your account information for the rep.

    (Non-customer)
    - Press *33
    - When prompted for access ID, punch in several numbers in a row.
    - When prompted to repeat, enter same again.

    The system will then connect you.

    polarisu 11/13/10 7:01PM
  • This bank needs to be under investigation for fraud and stealing the US taxpayers money and not doing what they were suppose to do for US citizens needing mortgage modifications.
    I fell behind in my mortgage payments due to being off work without pay due to cancer surgery and treatments. When I contacted B of A my mortgage servicer about the new govt. program to help people in this type of situation; they told me they decided not to participate in this particular program. When I inquired about any help I may receive, so I wouldn't loose my home, they said very rudely "yeah pay us $12,000 approx) and keep up making the payments. When I told them if I had the $12,000 I would not have fallen behind to begin with and all they said was, "not our problem pay up or get out." I was then hung up on when I asked to speak to the customer service persons manager. This has happened several times to me with this bank and have cried more after talking to them then I did going thru my cancer ordeal. I will never do business with them and I tell everyone I can about how they treated me refused to work with me and encourage them to also avoid doing business with them.

    NO MORE BofA - Fire them 11/12/10 12:31PM
  • made a 300 deposit which never showed on my statement, showed them deposit slip, they took one month to say they would not give me my 300 dollar deposit even though i had my original receipt!! hard to believe they can take you money and not give it back even if you have the deposit slip!!! bac in allen texas on mcdermitt-horrible manager closed the account after 18 years with bac.

    tim 11/12/10 12:27PM


  • HEY MR. MARKET

    BANK OF AMERICA CANT TELL THE TRUTH ABOUT ANYTHING I GUESS YOUR ON OF THEM.SAYING THERE A GOOD BANK RIGHT AS OF RIGHT NOW THERE ARE SOME 67,000 LAWSUITS AGIANST THEM AND THEY TWO CEO ARE BEING SUED FOR FRAUD GOOD JOB!!!!!!!!!!!!!!!!!!!!!!!

    big fish 11/12/10 9:41AM

  • bank of america is not worth the time or the effort. in my case i caugth them changing my information lying. they have no clue what there doing. not one of the customer service rep can tell the truth they have no clue to what there doing. but ill tell you this they can bullsh-t you to death and HANG UP ON YOU WHEN YOU CATCH tHEM. if i could get my loan away from them i would i pulled all my money out of there bank already.

    buzz 11/12/10 9:35AM
  • I find the customer service reps friendly, but not knowledgable about their own processes. I am currently looking to initiate a short sale. The information I receive is unreliable month to month!

    mcnel 11/8/10 12:22PM
  • Just tried it. After they said they'd transfer me to an operator, it said the call could not be completed. Apparently they're on to us customers sharing information on how to get in touch with real human beings - or maybe they just don't have any real humans working there anymore - just zombies.

    BofA broke me & the US economy 11/5/10 4:17PM
  • this is a joke. you will never get a live person.

    Anonymous 11/5/10 8:26AM
  • My wife went to cash her payroll check, which was written on a Bank of AMerica Commercial Account. They tried to charge her $ 6.00 just to cash one of their own checks?!?!?!?

    What a ripoff for commercial accounts holders and consumers. If BoA gets into any more financial hardships, every American should contact the legislature and tell the crooked, self-serving bank they've taken enough liberties with the consumers.

    Anonymous 11/4/10 8:29PM
  • If talk to a "live person" means talk to a recording and never get to a live person, then the system is working perfectly.

    Anonymous 11/4/10 4:15PM
  • I tend to be very slow to 'blow my fuse' but after at least 8 attempts to resolve an error that Bank of America made to my escrow account I've had enough. I will be re-financing with a local lending institution that I can work with face-to-face. If customer service is error resolution is even remotely important to you, Do not enter into a mortgage with Bank of America.

    Anonymous 11/3/10 11:23AM
  • I am very disappointed, to say the least. I have been attempting to contact a live person for 45 minutes. This is a location (877) that was listed "if you want to talk to a live person". Called it and all I got was a recording of a balance by phone. Wanted to know how I get the balance and financial information on line. Don't want to make payments on line, just look at the transaction. Can not get there. I have a ID and passcode but still won't just give me the financial transaction. Just a recording by phone not "ON LINE" or let me talk to a real person. Very upset.....

    Wayne Herring 11/2/10 8:12PM
  • I was enrolled in Obama’s Home Affordable modification program through BOA in Jan 2010. BOA put un into HAMP trial payment plan. Soon after the 3 months of trial was over I kept calling BOA and they asked me to continue making trial payments since my case was still under review.
    In Jul 2010 they rejected my mortgage application saying that I have missing documents. I had sent them the set of documents for about 2-3 times. I appealed their decision and my case was re-opened. Again I was asked to continue making trial payments. In the mean time I started getting letters of accelerate to foreclosure and collection calls. I called BOA loan modification department and they asked me to ignore the letters and continue making trial payments. I received foreclosure notice last week. I was really scared and surprised. When I called BOA about it, within 3 days they rejected my loan modification application which was pending for 10 months.
    All these time, I have been paying trial payments and have never missed even a single payment. Boa reported to credit companies as a delinquency and now my credit score is down from 790 to 660. I feel I am been screwed. They want all the money in next 2 weeks now. I don’t know what to do. They are going to foreclose my house.

    xyz 11/2/10 2:42PM
  • I spoke with a person in the CEO's office,! who said his name was Davan Warner, as near as I could understand. He was totally negative in regard to helping me get information in regard to a loan BOA had purchased through First Franklin Loan Services. BOA had been the buyer of the foreclosed property at the sale in 2008. He said that the only way I could get any information regarding this property and loan record was through FirsT Franklin, that BOA recently took over FirsT FRanklin and has no information. He was the same type of telephone answerer as described in other comments. Cold and non-responsive! This sort of attitude is an indication of BOA's complicity in the fraud that they paid First Franklin to handle for them.

    crazyhorse 11/1/10 12:55PM
  • B of A customers BEWARE of the following!!!! On Oct. 29th, 2010 at 3:30 p.m. I just got of the phone with a "account supervisor by the name of "Jose", who was a complete arrogant obnoxious idiot. I called in regards to fraud and in regards to the B of A releasing all of my personal private account number bank statements and info to another person. I gave him my incident number and who I talked to previously. As usual he put me on hold for about 5 mins. and then flat out told me twice that "Stealing other peoples account information, bank statements, or other personal information is NOT fraud." I was shocked and extremely angry. I told him this was a violation of privacy rights and that this matter is serious. I asked to talk to his supervisor and he denied me that right. I asked for his last name and he said that it is B of A policy not to give me his last name. When I called 29 days earlier to report the fraud case, the lady that helped me then gave me her full name. When I told "Jose" this he, in a arrogant tone, told me it is B of A policy not to give last names out. I asked what policy number he is referring to or where that is written. He said it is not written anywhere. So I told him he is just making things up out of thin air, and BS-ing me. He got nervous and abruptly hung up. If that is how the supervisors handle customers, and if their policy is to freely give out your private information to anyone, except yourself of course, then I advise all Bank of America customers to immediately withdraw all your money from that bank and never do any kind of business with them ever again. If B of A is reading this then fire that arrogant "Jose" and change your policy for lying.

    No longer BofA customer,
    Kent Brocknen

    reality check 10/29/10 5:39PM
  • For the person who was looking for Annette Hunt's phone number you can email me at domoabc123@yahoo.com I have her info, she is currently my negotiator... Though recently I have not been able to get a hold of her for the last two months, and I have a really important question. Everything went through, and on September 1st I received an email saying a payment was made to my mortgage, but I didn't send a check. When I looked online, it seemed as if all my past payments were applied on 9/1/10, and it send my next payment wasn't dure until Dec. 1st. I figured awesome! The new payment was for the amount in my new contract, but the next online statement (a month later) indicated my next payment was now going to be an additional $475 for some fee (on top of my escrow I already pay), and it seems it is going to be that way for months to come according to my account details explanation online (which doesn't clear-up anything). This is crazy, so now instead of lowering my payments, I am now paying $475 more than ever before.

    domoabc123 10/25/10 11:19AM
  • A year after voluntarily giving my home back, the bank has found another way of persecuting us? They say we did'nt properly hand over possession (giving them the keys and them changing the locks) was'nt good enough?? Now their suing me for eviction fees and past rental value? How much crazier can this get??? Someone has to take alook at this??

    goldfinger 10/22/10 7:31AM
  • Bank of America has called me about five times trying to collect on my ex-wife's mortgage. I give them the same response every time: "you need to call her, it's her debt and her house." They say she won't take their calls or return their messages: "explain to me how that's my problem: she's my ex-wife"... I already paid a bunch of her overdraft fees, so they must think I'm a sucker.

    Here's the worst part: if I don't take their call, they leave a message for me at home, at work, and on my cell. I have asked them to quit calling me, but they persist. They deserve to fail.

    HowdieDoodie 10/20/10 12:26PM
  • Just spoke to a supervisor at Bank of America. Rude, interrupted me several times, told me he "gave me a chance to talk", kept interrupting.

    IhateBoA 10/20/10 9:25AM
  • Worst ever!!!! They call me every month after they have CASHED my mortgage payment to tell me they have not received my payment for the month. I received three (3) separate invoices for my October mortgage payment, all with different amounts on them. I called customer service to confirm the amount and sent in a check based on the conversation. They called anyway to say the amount was wrong. They have been calling every month for 6 months. You talk to a different incompetent person every time. I ask for a manager to get things resolved and they still do nothing. Never again.

    IhateBoA 10/20/10 9:16AM
  • Customer service......you have got to be kidding? This company is a joke. Not to big to fail, to big to succeed!
    A nightmare labyrinth to navigate staffed with marginally conscious automatons, whose goal is to return you to hold, not solve problems. "when in doubt put em on hold".
    Talk to 5 BOA dolts, ask the same question, get 5 different (wrong) answers.
    If you are trying to get a mortgage modification.....you'd have a better chance of congress using common sense.

    Pitgnarf 10/20/10 6:57AM
  • This bank sucks they put a hold on a 19,ooo deposit, I called bank where check was written on and it had cleared. they faxed Bank of America a letter showing check had cleared and front and back as the Enid office requested, meanwhile they are returning checks and said it would be as much as 48 hrs longer before they would release. this bank sucks it's to commercial!
    State Line Well Service.

    Anonymous 10/13/10 9:44AM
  • I'm attempting to purchase a home and made the fatal error of using BoA. Keeping in regular contact for weeks leading up to the close date, I was unable to reach anyone or have my calls returned for the 3-5 days prior to my scheduled closing date.
    Eventually, at approx 3pm on the date prior to closing I was told it would not close as scheduled. Furthermore, i was told to wait a few hours before they could give me any feedback as to why.
    Long story short, my processor told me that I shouldn't have scheduled my move/rented out my current house becuase he had never personally approved my scheduled closing date (even though it as printed on my loan docs). Additionally, he said my application was only 45 days old, so I should expect to wait another 2 weeks to close as it currently takes BoA 60 days to close a loan.

    its two weeks past my orignal close date and I'm still not approved. The bank continues to ask for more and more ridiculous documentation. Most likely I will lose the house i'm trying to buy and my earnest money.

    Anonymous 10/11/10 3:01AM
  • Spoke with Carlos who was helpful in giving me 866-515-9759 to call to report nuisance (under Palm Springs, Ca ordinance) at 332 N. Sunset Way, Palm Springs, Ca. Property was given back to B of A by deed in lieu. Pool is infested and lawn, etc. needs maintenance. Called number and spoke to Susan (refused to give me her last name) and wouldn't talk with me when I said I was call individually but was also an attorney. She finally took the information but would not take my telephone number etc. I told her that I had reported the violation to the City and also to Coachella Valley Mosquita and Vector Control. VERY POOR SERVICE.

    Anonymous 10/4/10 2:10PM
  • Does anyone remember Pattty Hurst and the Simbianese Liberation Army who enered the B of A branch in CA about 30 years ago with AK-47s? That is the only way to get customer service.

    Anonymous 10/4/10 11:59AM
  • where do i begin. bank of america is the worst company i have ever ever dealt with. the steal from us every month. they are horrible. you call and when you finally get someone they feed you lies or bull. this guy was so rude to me and in the end practically hung up on me rather than help me. they keep adding to our bills. they keep saying we have an escrow account and we dont so we get charged extra every month and wont change it. when you call they say oh yes we will fix it now. the next bill its the same thing. they tell you anything to get you off the phone then turn around and do nothing. they went to our insurance company and changed it to them without our knowledge then wants to charge us double each month to do it to get something for their service that we didnt approve anyway. again we call and they say its fixed they are sorry. well still no insurance fixed and we owe them and insurance company now. so im trying to get all that fixed. we get mail every other month saying we have no insurance and they are charging us extra to get it although its obvious to them we have insurance. so every other month literally we are on the phone long periods of time trying to get that straight. it all is for no reason and no good though. no one ever needs to deal with this company. they are no good liars, thieves, scam con artists with a big name. BEWARE AND DONT TRY TO GET HELP FROM THIS COMPANY!!!!!!!!!! this will never end for us its been two years steady.

    Anonymous 10/4/10 7:39AM
  • Took 2 hours to connect to the right person to a erorous late fee reversed. Their computer system change the auto pay date for my credit card, I did NOT. Horrible people, service and they should be forced out of business.

    clif 10/2/10 1:17PM
  • All I wanted to do is dispute a repeated charge on my CC. I got no help by calling (multiple times), emailing or submitting via their website. I eventually emailed the President (I keep checking- waiting for it to be bounced back like all the others). This company is a JOKE. They don't want to help avoid an issue. They want you to pay and then they'll ignore you with the hopes you'll just go away. Well, trust I will- WITH MY $!!!!!

    MeganMSmith 10/1/10 12:00PM
  • I just one to put my two cents of comment not that they will care but here it goes....I am a single woman trying to survice thie economy ...so in December 2009 I apply for a loan Modification not nowing that here I am 10 months later calling every other week and having to deal with a customer service with no respect for the other person on the line. I have been very patient.......but this is behond anything I have to go true in lefe.......I am just waitting for my investor to give me a green lite.....another 45 days....WOW and there is nothing I can do. Still waitting.......
    Zadhia Davis
    professional Asistance Aide of school

    zadhiad 9/30/10 10:21AM
  • B of A should be ashamed of themselves. I've never seen so many complaints for the same thing.
    I opened my loan in May. Being a former Mortgage Banker I gave them all they needed upfront in the mail and i also faxed it all to the agents computer. I paid them my fees. My credit is great, my LTV is 30%. This was a slam dunk. The appraiser has been out. My daughter works for a bank in Oregon. Her closing time is 26 days.
    Of course like the rest of you..they now claim they did not receive certain items. I told them enough with the BS excuses, they had it all in duplicate and it all came together. If you have one you have it all.
    I got my mortgage statement this month and noticed they asked for 3 payoffs in one day costing me $30.00 each, I found out today that they alsro ran 3 credit reports that same day.
    all of my banking is thru B of A. I have 4 or 5 checking accounts, investments and several savings accounts. I say all of us change banks as I am going to do. I have been a customer since 1972!
    Their pipeline is jammed cause loans like mine s told by Quicken, Provident, and others today is done in less than 30 days.
    There are no reasons for delay other than they cannot hire good help.
    Start by filing a complaint in California with the Department of Real Estate, the DRE.
    Since my husband works for the Federal Govt, I'll get right to the top.
    If BOA employees can't do the work get out of the ballgame.
    It's slam dunk loans like mine that are log jamming the pipeline.
    Quit with the "stores" you give. I call it like it is, and having done this with a large mortgage company with no computers,
    I've heard every excuse the loan agents and processors give. BOA does not have people who know what they are doing. Theyd pass you on to another and another.
    Minus the appraisal, my loan should have been done in 2 weeks. I was told today by one lender, they can close this in 2 weeks.
    I'm asking for less than my property empty is worth.
    BOA....get your act together. You are loosing thousands of customers current and future. I have had it, I am pulling close to 100k out of your bank and closing my accounts. If you don't want my business..I don't need yours.
    BOA,,,we don't need no stinking customers...we have the stimulus money.
    Astalavesta Baby. Everyone join us. Oh, BTW, I see Quicken is part of them and they said i would close in about 18 days. So what is Quicken doing that BOA can't do?

    My loan in NOT a modification, or in Foreclosure. Simply a refi with cash out. High credit score, financially stable, long term on the job and no chance of any layoff. lots of money in the bank and retirement. Pay cash for our cars. You don't deserve good customers...just a kick in the pants for a missed opportunity. Shame on you BOA!

    gtchelle 9/28/10 8:44PM
  • After eight months of "in process for modification", they would not delay our foreclosure date. Nor would they accept a last minute payoff - everything takes 3-5 days to process including faxes. If I were to run my business that way, I would also need to be supported by tax payer money. What! that was my money that you used to take the family house. What a deal. I would suggest that no one use any large bank for mortgage, send your business to the small guys and see if that will help.

    R in Arizona 9/28/10 5:17PM
  • ALL I HAVE TO SAY IS ...JUST GOOGLE "BANK OF AMERICA SUCKS" THAT SAYS IT ALL. NOT EVEN AN AMERICAN OWNED BANK ANYMORE.

    Anonymous 9/28/10 12:15PM
  • Oh yeah, and I called THREE different local branches and the customer service number to ask who their regulator was. The branches all gave the same answer: "Um, I have no idea what you're talking about." (and this is from the managers!) While the CS number just left me on an indefinite hold.

    Its the OCC (Office of the Comptroller of the Currency) They have an online form to complete. Write to them! It could help!

    Fiery Irish Lass 9/24/10 1:58PM
  • I am having the same nightmare with B of A! I started the modification process back in March, I sent them all the required documents and paid the reduced payment faithfully. At the end of each passing month I called and checked for status, only to be told my file was still "in process" and made the lower payments over the phone. In August I received another Fed EX package asking for updated information. I complied. A few weeks after that I got a call requiring that I FAX THE SAME INFO I JUST MAILED IN! Not wanting to rock the boat I complied. Then a day later I got a letter signed by Carla Fountain that if did not fax the info by the NEXT DAY, my file would be closed. I called to confirm they had received the fax I'd sent a week earlier and was told they did. On 9/22 I called for status and was told the file had been closed. I asked why and was told: "Because we couldn't contact you." They cited three dates in which they called my cell phone and got no response. I checked my call log and saw I had call from an "unknown" number on those dates and no voicemail was left. Two calls were made during business hours and one at 6:30 am, when I don't answer my phone. When I asked why no message was left they had no answer. Instead saying I should have called the number back. ITS AN UNKNOWN NUMBER! HOW DO YOU DIAL NOTHING?? They refused to reopen my account and said it was my fault for not communicating with them. I spoke to Carla Fountain who said she was not my loan person and "my name has no business on that letter." I was transferred between 10 different people and given EIGHT 1-800 numbers to call, each dept saying "you've got the wrong department" and transferring me elsewhere. This went on for 2 days at 3 hours each time. My concern is the payment due on Oct 1. The demanded the full payment or my account would be delinquent. I explained that I could not afford that and they said "oh well." I was finaly able to file an appeal, but told it will take 15-30 days and full payment is expected. I asked to speak to a supervisior and was denied, as there was "no one available." So now I either pay the full payment and neglect my other bills, or go 30 days late. I filed complaints with new local newspapers, a local TV station and "Good Morning America." I have detailed accounts of all people I spoke to and can prove the phantom calls that they claim I ignored. I also filed a complaint with their federal regulator, the OCC which I advise anyone else to do as well. This is blatant false marketing and poor customer service. my next email is to Moynihan, the bank president. Anyone have his email?

    Fiery Irish Lass 9/24/10 1:43PM
  • I have been a Bank of America customer for more than 20 years and I wish I had switched banks a long time ago. It is not a rant to say that they have dishonest policies that may be breaches of fiduciary duty. They do not disclose many of their policies. I recently discovered the hard way that anything a customer service representative does for you--such as raise your credit limit--can be undone by a "senior credit analyst" who can actually reduce your credit limit below where it was previously after they review what the customer service representative did! I have never had a late payment and have a high credit score, but my total debt from non B of A cards went up after paying my MBA tuition and some other expenses. I tried to explain to the "senior credit analyst" that my income was quite good and that I have been de-leveraging for some time, but that I am improving my income with an expensive MBA program. He responded in a tone more fitting to a loan shark and told me I needed to pay everything down "faster" and told me the large deposits (larger than my debts) I have with B of A "don't matter" and neither does the length of time I have been a customer! This was the opposite of what the customer service rep had told me two days previously! So you really can't trust them--even if you are a great customer.

    Formerly loyal customer 9/24/10 5:20AM
  • We should all boy cott BofA and pull our money out of their bank if you have any.
    They have the worst service I have ever seen.

    David 9/23/10 9:53AM
  • We have a terrible modification horror story. In brief our trial period was Jan Feb and March...to ensure the payments were made we postdated all three payments. BAC did not take out Jans payment we called and practically begged them to take out the funds but everyone we spoke ensured us it was no big deal. Finally, in Feb we receive a letter that they were unable to locate our account. SO, we rush out two payments...one for Jan and one for Feb. Again, we are assured all is fine because we did give them the CORRECT bank account info so the error is some where between bank of america and our bank. Fast forward to now and 9 trial payments later, we got DENIED because of that error in payment...that has been determined to NOT BE OUR FAULT. I have flipped and called NUMEROUS times, I have gotten the names of some up-there people and their direct line. Our appeal got denied as well, so I am moving up the management line. I now have a contact in the appeals department (and by contact I mean a direct phone number) and a contact in the underwriting department (where my loan will go once the appeal is validated). Its hard to get these phone numbers because they are not supposed to give them out...I spend hours on the phone bugging BAC and every now and then you get someone who either doesnt know they arent supposed to give out that info or is nice and does anyway. I'm fighting BAC with all I've got, I think they bank on people giving up...well, we made all our payments...so they will have to come up with a better excuse to deny me. Someone at BAC told me "the squeaky wheel gets the grease"..since I am a stay at home Mom...this is my new job, I was on the phone 5 hrs yesterday...you cant trust what the reps say so I hang up and call right back and I do that until I speak with someone who actually has some authority. Good luck to all you out there...I am fighting this battle fiercely...

    Anonymous 9/23/10 8:54AM
  • I work at a group home and a staff that used to work here must have put this number as their work number. Well representatives from BOA continue to call when repeatedly asked NOT to, and then they INSULT ME! I am beyond frustrated and I WILL SPEAK TO A LIVE PERSON if it kills me!!!!

    Anonymous 9/22/10 6:48AM
  • I received a FedEx envelope with the a list/information BofA was requesting for the Making Home Affordable program. I sent ALL the documents they requested back to them in the FedEx envelope-using the return label they sent me- and today i called to follow up on the documents and somehow they never received them!! I was told that my negotiator was giving me 48 hours to fax my information over- AGAIN. What fustrated the hell out of me was that they could not transfer me to my assigned negotiator or give me her number. The lady i spoke to in the Home Retention department was rude and could not understand why i was upset that somehow all my person information is somewhere in 'limbo' I have made several calls to B of A and each time i get a different amount, different name and number. The more time passes the closer i get to losing my home! It's so fustrating when you receive a letter from them asking you to call a specific number and person and when you call, the information is incorrect!! Can someone help me locate the number to the negotiator at the Home Retention Department- her name is Annett Hunt... Thanks

    fustrated 9/21/10 2:59PM
  • Terrible telephone customer service- have made 3 phone calls over a month for lost ATM card replacement, final phone call rep asked me to go to local banking center to get my card.

    BOAsucks 9/17/10 5:40PM
  • I was approved for a loan modification at the end of last year made all my payments on time for the first 5 months and never recieved a bill with the correct amounth due but I did received intent to accelerate letters with amounts that conflicted with my statements and records after several phone call and numerus transfer I decided not to send payment again...received another letter of intent I called a couple of time to compare notes and make sure I was told the correct information and guess what both reps had their own opinion of the status of my account....I decided to send another payment and see what happened... couple of weeks later I recived another letter of intent to accelerate after a few more phone calls ...I finally reach some who I thought made scense and I paid the amount they told me I was pass due....to my surprise this was not the correct amount...months after my modification I still didn't have a correct due amount ...it has taken them from January of 2010 to August of 2010 to finally consolidate my account and apply all of the correct amounts I paid, plus the fees for being late (I remind you I did send in my payments but they were never posted to my account because they were being held in account to be applied after the modification)the last consolidation of the account took place on August 30th....after all of that I was told I was passed due for 3 months and as of the very next day sept 1st I was passed due 4 months therefore my account moved into forclose on september 1....now if this is not a bunch of BS I don't know what is...I have never been in this situation but I do know that I will not stop complaining and e-mailing the CEO and President of BOA until I have someone's butt on the line...have a good day and thank you for reading this painfull posting.

    Sincerely
    A real customer in pain.

    Omar R (aka a desiponted custome 9/16/10 12:09PM
  • i have never been sooooo frustrated in my life! After calling local then main numbers i was disconnected 9 times and at this moment i have been waiting for 13 minutes for the man i was speaking with to assist me. Bank of Am had listed my credit report that i had a forclosed home loan w/them . I keep telling them i have all of the paperwork including the date of Release of Lien, my loan number etc and they say they cant find it. I have now been on hold 23 minutes..i have banked w/them for over 15 years - and this is the - now i have been on hold again 14 minutes - WT crap!!!!!!!!! does an executive ever read these comments i am still waiting..still waiting - i am done. 417-832-0042

    daddiesgem@yahoo.com 9/15/10 1:21PM
  • I have been with BofA since 1994. I worked at this bank for 6 years and the whole time I never trusted this bank with my payroll check but to have this job I needed to open an account. So I did it. The day that I quit this job I closed my account I went to my local credit union, best thing I ever did. Last year I bought a timeshare and to get a good rate for 7 month I had to sign up for a credit card so I did, didn't read the fine print otherwise, I would of known that the credit card was from BofA using the alias "RCI". Last month I had a balance of $13,439.00 and the minimum payment was $299.00. I transfer'd $13,000.00 to a lower APR card (BofA APR is 16.99% and I transfer'd to a card that is only 9.99%, big difference) anywhoo, I just received my statement and the balance after I paid $13,000.00 plus the monthly payment amount of $299.00 would have been $140.00 plus interest that I thought would be like $20.00 or so, well to my surprise the interest was almost double the whole amount of my remainder balance. The interest is $112.94, when I called customer service the guy I spoke with didn't seem to care, he just wanted me to get off the phone and quit bothering or complaining. I was nice to the guy but when I asked to speak with someone else that could possible help me, he basically told me that no one else can help me. By this point I was ticked off that I stated that one I pay this card off that I am going to close my account and he right away jumped on it by saying, "oh I can have your account closed today if you want" and I said, "you can close my account but you can't help me to lower the interest?" HE JUST LAUGHED WHICH REALLY PISSED ME OFF. I told him this is the worst bank and I will never ever bank here again and will be sure to let my family, friend and extended family know what has happened this day. SO IF YOU ARE PLANNING TO BANK WITH BOFA, BE SMART AND JUST SAY "NO" OR YOU MIGHT BE SORRY LIKE I AM! I AM NOT TELLING YOU WHAT TO DO, JUST A HEADS UP!!!

    Denise 9/14/10 9:15PM
  • The Bank of America auto call distribution(ACD) system is way out of wack. I needed a person, my little issue (house burned down) was not a selection. called local branch and they did not know, called information and they did not know. Finnally got a customer service number which did not have an ACD but it did have a recording that said over and over again "please wait". 3 minutes went past and person answered. They seemed to know what department I needed. Without comment they transfered me. I was warned by a recording of the long silence about to happen(cell bill keeps getting bigger). Actually, it was not silence. It was a constant whine, even more aggrevating than silence. Time of whine 10 minutes and I began debating if I was transfered to dead air or not. I hung up after 15 minutes.

    b bart 9/14/10 2:14PM
  • boa mortgage reconstruction is a joke.......they should be investigated for illegal practice... my complaints are to great to even detail.....8 months of making reduced payment's we were told to....then being turned down...we had to pay all late payments, late charges of 28,000.00 to avoid forecloser...during those months, we had to fax info needed 4 times.....this stall tactic
    must be illegal,not to mention immoral...........somone needs investigate.............

    Anonymous 9/14/10 10:35AM
  • BOA sometimes changes customer's credit card account numbers without customer's consents. This can cause many problems: I had provided the credit card number to many vendors that have recurring charges -- state toll road tag accounts, my iTune store accounts, my daughter's musical instrument rental accounts ... when BOA changed my credit card account numbers without my consent, I got into all sorts troubles from each of those vendors.

    Also, the BOA identity theft protection features are too stringent -- these features are mostly designed to protect the bank, not the customers; however, it can sometimes cause serious problems to the customers. I was once stranded at the Toronto airport along with my family because BOA suspended my credit card account on suspicions of spending pattern changes -- we could not check in a hotel, could not buy the returning flight tickets ...

    jin 9/13/10 8:44PM
  • On 9/3 I went to Bank of America on Broadway and West 88th Street to pay my bill in full and cancel my credit card. The teller told me I needed to speak with a customer service representative. I spoke to a man who couldn't care less about what I wanted to do. He called another number and he said and wrote down that I owed another $161.92 on my account and needed to pay this in order to cancel my card. I didn't understand this and wanted an explanation from the customer service representative. He did not offer any explanation. I was totally upset because how could this be? I received my bill a week before I paid the bill in full and the balance was under $1,300.00. There was no way that much interest accrued in 1 week. The customer service representative could not care less - it seemed that I was bothering him. I then went to a branch on 3rd Avenue and East 47th Street and the customer service representative made a call and the total I owed in order to close my account was $5.59. I did not write the amount that the first customer service representative told me I owed - he did.

    What kind of scam is going on?

    Anonymous 9/10/10 6:32PM
  • Today was the last straw for me. My story is not important, but the treatment by Bank of America is immoral and stupid. I will withdraw all accounts next week. We all need to bank locally and sanely with real people. I am ashamed that my country has allowed this mega bank to thrive at our expense.

    Anonymous 9/10/10 6:06PM
  • I've never been treated so poorly or w/ such lack of respect by anyone in my life. BofA is truly a corrupt, immoral company that doesn't care about their customers. They are about the bottom line & the "little person" doesn't matter. How anyone could work for such an immoral company is mind blowing. And I dare anyone from BofA to contact me, because they don't care, it is easy to post this "customer service" link to make people feel better & make them feel like they care, but they don't. they don't. I believe in karma & I hope BofA eventually fails miserably & every top executive ends up in prison, because that is where they belong!

    renee 9/10/10 11:15AM
  • Promise from an employee they would call me back today from a discussion we had last night. I have called him 5 times today and left a message, so far no call.

    Anonymous 9/9/10 1:37PM
  • I have been trying to get a loan modified since last october, i was told it will take 30-45 days to recieve paperwork for the modification. i got it 3 months later i finally got the paperwork.in junee the modification was declined because of their mistake so we had to send them the papers again and they continued reviewing it. now i recieved a letter that we dont qualify for the program because we didnt return the paperwork.but i called to check on the status and i was told on 2 sperate occasions that they did have all the paperwork. And no one knows why this happened not even supervisors or managers. BOA is the worst!

    frustrated 9/8/10 7:05PM
  • I have tried to get through to a live body. I have followed the instructions on how to reach a customer representative, only to be cut of on three different occasions. It is quite discouraging. Whatever happened to customer service?

    DiscouragedInUtah 9/8/10 5:33PM
  • I do NOT reccomend Bank of America to anyone! Ive been a customer for several years I decied to refinance my loan and here it is 40 days later and I have been unable to reach anyone! called 9 different people linked to my loan and not a single one has been available for 40 days!

    Anonymous 9/7/10 12:42PM
  • SO FRUSTRATING!! You cannot speak with a "real person" for the life of you. When I did get a real person, she had to tranfer me to another department and my call was dropped.
    Here is a clue right from a person at BofA: Dial the number you think you want, do NOT give the last four digits of your account number when prompted. Simply keep pushing * or # or 0 until a person comes on to find out what the heck you are doing. Voila! You have a live one

    Nester 9/3/10 3:32PM
  • This company is absolutely useless! They could not care less about helping people - they have become too big - try getting someone to help you - good luck - if the CEO or any other individual within this organization really gives a damn about helping people, they would read some of these comments and understand they have a hugh problem - I've watched a family member go through hell and back just trying to get through the system and they are excellent customers - I wouldn't send any business here if they were the last place on earth - shame on you BOA....shame on you

    Anonymous 9/2/10 6:42PM
  • Here's an update to my post of 8/26/2010. I received a call yesterday afternoon from another loan processor at Bank of America telling me that my 2nd bank processor was no longer with the Bank and that I would have to refax every single document that I had already sent since the beginning of August because Bank of America doesn't have any of my documents. It seems that I had been faxing my personal information to this bank processor's computer, not the main fax machine. Where is my personal information, that is a question that I cannot get answered.

    Anonymous 8/28/10 8:40AM
  • After being bombarded with calls and letters from Bank of America to refinance our mortgage, I decided that it was the right time. To say that the customer service is atrocious would be kind. I have been working on the refinance since the beginning of July. I've had the loan officer tell me repeatedly that she would call me back in 5 minutes,or tomorrow, which turns out to be 3 hours, or not at all. I am truly at the end of my patience after I faxed over a handful of documents last week, I was told that the loan could probably close the next day, I did not hear from her again until 8 days after the fax had been sent, even though I called and left a message every day. She finally let me know yesterday, after I called her again, that she could not read the year on the W-2 form that had been faxed, & I either had to email it to her or overnight the document, yes, you are reading this right, the fax had been sent 8 days prior.
    She let me know yesterday that if I fax over another set of documents that the loan could probably close today, it's 6:15 p.m. EST, not one word from Bank of America today!

    Anonymous 8/26/10 3:16PM
  • I HATE this no customer service company! They annoy me so much I paid off my mortgage in full just to get rid of them. Fail B of A and make us all much happier! If you are reading this - DUMP this bank NOW and go to a Credit Union or smaller bank. B of A sucks!

    B of A SUCKS 8/25/10 1:50PM
  • BOF has the worst service. It's a small branch in Northridge, California and yet they will give you conflicting information which made my life very stressful. There's no communication among themselves. They have no clue what they are doing. I bank with 7 other banks and none are like BOA. It's embarrassing to even have a bank that has a name associated with America.

    Anonymous 8/24/10 4:24PM
  • i never experienced worst costumer service than bank of america in brooklyn kings highway there were a russian lady she didt even speak english at all i dont know how they hire people with no english i guess america is not anymore english speaking country

    uk-lad 8/24/10 10:58AM
  • I have also held an account in good standing for 20+ years... now I'm sorry I didn't change to another company. I am disputing a charge, and have found BoA reps to be contentious and unwilling to hear my side of the story- merchant was unable to render services paid for!- and I am getting the BoA run-around.

    leaving BoA 8/23/10 7:55PM
  • The worst bank on planet Earth.
    If you do not need to deal with them,
    please stay away from this bank.

    Suava 8/18/10 7:24AM
  • TERRIBLE SERVICE. LONG, POINTLESS MENUS. WEB SITE SAYS TO ASK TO SPEAK TO A SALES ASSOCIATE. YOUR PHONE DOESN'T OFFER THAT OPTION. PATHETIC. YOUR BANK DESERVES TO FAIL.

    KATHIPOCK 8/16/10 8:51AM
  • Good luck in contacting a live person and the phone numbers to contact a service represenative what a joke some just refer you to a web link "priviate student loan" try calling it and see. what a bunch of BULL

    lrand28289 8/14/10 9:32PM
  • They took 2 months of mortgage payment out of my account (with another bank) instead of 1. Now I'm bouncing checks. It's been 2 weeks and still have not reversed the 2nd payment to correct the problem. Not to mention all the NSF fee I now have to deal with. Bank of American could care less about me and my family. They say they hare here to help....yeah right!

    JociesMom 8/12/10 3:00PM
  • I logged onto my account the other day, only to find that B of A had spontaneously changed my name without my authorization. After five calls (2 disconnects) and an email exchange, it seems they cannot undo the name change they made - instead I must fill out a "name change request form" and submit my SS card & ID to fix this. One rep I spoke with suggested that "someone" did this because my husband & I have several joint accounts, but different last names. Of course, the same has been true for the last 7 years - but now they seem to have a new policy of gender discrimination that prompts them to change women's names.

    Anonymous 8/12/10 1:50PM
  • since the BOFA branch at Allen (Greenville and Exchange) changed the manager last month (July 2010), customer service went to hell.

    An incompetent manager followed of new incompetent, rude and ignorant employees are killing the excellent clientele that the former manager and her team built since the branch was opened in 2008.

    thanks to god that there are other branchs in the Area, in order to avoid the branch that time ago used to be one of the best in north texas

    sustainability went to hell 8/12/10 11:18AM
  • I have been a customer with BOA and predecessor MBNA for more than 25 years, and have obviously paid my credit card bills all those years, often $20,000 at a time, always paid in full. My credit limit was usually more than that. Usually a telephone call or a note was all that was needed to set things right when some overzealous low-level employee tried to discipline me for a late payment, or when I needed to limit to be raised to cover a larger amount.

    Today, Tony Davis of Pheonix, Arizona, let me know I am denied use of my card for a $25 charge because I have a payment of $15 that is overdue more than 5 days. He was the "higher-up" who was supposed to allow this transaction to go through. He told me he would rather have me cancel my account with you than to let me charge $25.00, with my assurance I would pay both immediately with my online bill-paying account. In fact I just paid off my account in full, as I always do. However, I do not have the convenience of using my BOA card.

    Why bother to have a customer service? They only anger customers with their lack of support and inflexibility. You will spend far more than $15.00 to get you next person to sign up and stay with BOA for 25 years, believe me. Pretty short sighted for a company trying to stay in the credit card competition.

    I am pretty sure you do not have anybody who reads these messages, much less responds to them substantively. To say I am disappointed with you level of service is an understatement.

    Anonymous 8/11/10 11:53AM
  • Bank of America put another customers money in my account now I live in Va and the other customer live in Maryland but we had the same last name and our accounts were 1 diget off so they say. In turn the money stayed in my account for 5 days until I went to the bank to let them know and then the customers service gave me the customers name and phone number what nor privacy acts. Then when they took the money out I had a negative balance and now they have sent it over to collections I did not trust them after all of this .

    Anonymous 8/10/10 1:00PM
  • Customer reps that I worked with had among the worst attitudes I've ever encountered. We paid a check, it was charged to our account, BOA stamped the back of the check, but they didn't give us credit for paying. And they charged us an Outstanding Late charge, and basically said, "Our bad." The first rep I spoke to gave me incorrect information, the second rep was downright nasty, and I just got off the phone with another rep (Bobby). While Bobby was better, he was still at the lowest end of helpfulness. It seems a big monster company like BOA doesn't need to worry about how their customers feel about their interactions. If I could head over to another company with my mortgage, I would. , and he was the nicest person I worked with, and he wasn't even particularly receptive.

    darwinlover 8/10/10 8:14AM
  • I have read many of these negative comments and am glad to see it's not just me that HATES dealing w/BOA!! They have been charging me a $25 monthly fee on my H.E. loan for the past 3.5 yrs - a charge that I was just told today they shouldn't be charging me - the initial rep who did the loan application didn't connect the accounts correctly which would have resulted in NO fee. I told the sales rep today that I had asked repeatedly about this $25 monthly fee & could not get an answer from either tellers or sales reps. So therefore, they hae charged me around $1000 in fraudlent fees which they say they can only refund the last month's fee - basically they told me it way my fault, even though when I questioned it no one at BOS could answer my questions about it!!! When you try to get help they give you dirty looks and try to avoid you - and take your money in fraudulant, illegal fees. All of this after they've gotten over $45 BILLION IN BAIL OUT payments from the taxpayers (much of which went to HUGE salaries for the top administrators). I think this bank needs to be investigated by FCC & OCC and made to stop treating it's customers with such disdain & fraudlant practices. It would have been better if the federal govt just let this bank fail - would have saved a lot of Americans a lot of frustration!! I am going to complain to the FCC & OCC to see if I can recoup the illegal fees that were charged to my account. I wish I could just close my account and I will never do business with them again!!!!

    neverb 8/9/10 2:35PM
  • Bank of America is our mortgage lender. We have always paid our mortgage. This past March, we were making the final payments for the last of 3 daughters to complete college. My business (a small ballet school) was suffering financially under the present economy. My husband works for the state and due to a governor’s imposed wage freeze had not seen an wage increase in over 5 years. The final blow came when I had to have emergency appendectomy which left me without income for a month. Subsequently, we knew we were going to miss 2 mortgage payments. We never missed a single payment before or since those 2 months. In April, we contacted our lender & were told we would be submitted for an assistance program.
    1. April 20th 2010 - were told we would be submitted for the "Hope" program. We submitted the required information.
    2. May - received foreclosure notice and was contacted by our mortgage insurance lender who also offered us an assistance program. We contacted BOA and were told not to submit for the insurance program in that we were still being considered for the BOA program. We made our May payment.
    3. June - made our June payment but still got foreclosure notice. Contacted BOA and were told that the review process was long & to be patient.
    were told that our application had been "sent out for review"
    4. July. Made payment, still got another foreclosure notice. Contacted BOA. Told we were still under review & were told our application was "referred out".
    5. August 9th. Made payment. Contacted BOA after receiving another Foreclosure notice. Demanded to speak to someone who could give more info. Directed to Arlett in the "Making home affordable status" department. She informed me that we had been rejected for the Hope program back in May. WE WERE NEVER NOTIFIED of that but were continually told that we were still under review. She informed me that we had been referred out for repayment plan but WE WERE NEVER CONTACTED about that and we were dropped from that plan WITHOUT ANY NOTIFICATIION. Over the months we continued to call, we were continually assured that we were still under review and were NEVER told that we had been denied at any level at any time. Not only were we were never told that we were not going to be helped but BOA representatives continued to tell us help was on the way and we should not bother with other possible avenues. In the meanwhile, BOA has continued to charge us late fees upon late fees as well as additional charges to pay by phone since we can no longer pay on-line (loans in default can not use the BOA website) and we are afraid to mail the payment in. This situation seems less and less like mere apathetic inept practices and feels more and more like deliberately unfair, money making tactic. They offered help fully knowing that they had no intention of following through. They discouraged us from seeking help elsewhere. They actively assured us that help was forthcoming. In the meanwhile, we still owe the 2 months mortgage we missed and they have attached late fees galore on every payment we have made since. They harass us monthly with registered letters threatening foreclosure yet assure us when we call that we will not lose our home. In short, I'd almost rather be dealing with the local loan shark than BOA. At least a loan shark is honest in his representation.

    downandout 8/9/10 9:47AM
  • In the past I did all my banking through BofA. I will change that. During this housing crisis I have sought help only on an interest rate adjustment on my mortgages. I understand that BofA is not to blame for this collapse in home values. The politicians and their squirrely policies forced banks to make loans to unqualified borrowers.
    I own several properties. I have NEVER been late and did not overextend my credit in any way. I am a businessman and I make careful and logical decisions.
    When my properties were at 75% loan to value, I was told I have too many mortgages to qualify for any re-fi program. I was told to wait until the Government programs kicked in and then they would be glad to help. When the government programs began I was told that I didn't qualify because I was not delinquent on any mortgages, and none of them separately constituted over 31% of my gross pay. I have been back several times and they always have some excuse. Finally Kevin Helm in Las Vegas, Nevada, told me that they would not consider changing the interest rate on my mortgages because,"We have foreign investors who are expecting a certain level of return on their investments."
    That's it. FYYFF BofA.

    Anonymous 8/8/10 9:23PM

  • I know you have to make a profit for your stock holders but this is rediculous.
    You go in to take my morgage payment and find it was short my retirement was late that month. So you do not take anything. I can live with that but to not take the next 5 months to run up your profit margin in a little underhanded even for a Bank.
    My wife thinking you had taken the money would call your office for a balance in our account because we do not recieve a balance by mail for the last three years. The she would spend the amount given to her. I was going to take over the Banking for the family and set up a account but only lasted a coupel of months and she did not mention the lack of statements.
    When I found out there was a problem, I find out she had spent everything in the account including the 6 payments you had not taken from the account. I would like to thank you for the LACK of service. She said she thought you had already got your money out.
    I took $10,000 out of my savings account and paid the total $10,400 at a branch. But am not sure you will start the withdrawels again or do I start mailing the amount I do owe you.
    You did get me good and I should have keeped a closer look at your underhanded way of running up the bill. I do not even want to know the total "FEES" for this mess.

    PHILWILMOT 8/8/10 5:32PM
  • All of you should google Predatory lending, it fits everything this bank is doing to all of us. I encourage all of you to file a formal complaint with the OCC. I am currently going through same thing as the rest of you wanting loan mods...here is my story I also contacted my local news station investigative reporter and guess what we have a huge story airing on Aug. 11th exposing this banks lies and B.S.

    In early July 2009 my husband and I were behind on our mortgage payment. I was very concerned about this and contacted our mortgage holder Bank of America to see if we could get on a repayment plan. I was talked out of doing this and convinced to apply for the Making Homes Affordable restructure loan.
    I was unaware of this program at the time and the bank rep explained it to me.
    I initially had a lot of questions and inquired about the acceptance and denial process, I was assured by the bank rep that once you were accepted into the program the only way you could be denied was if you failed to meet and complete what they required of you. First you had to see if you were approved, so I started the process with him at that time over the phone, he wanted all financial incoming net and gross monies we received each month and an itemized list of all outgoing obligations. I provided him with all of that and was then informed I would receive something via FedEx with in 30 to 45 days explaining the process and that at that time I would be required to send further documentation.
    On August 10th we received a letter from FedEx welcoming us into the program and congratulating us on doing what we needed to do to stay in our house. On August 17th we received the exact same letter again asking for copies of our checking account, paycheck stubs and tax returns, we complied with all requests and sent them. Not once but twice as they apparently lost the first ones we sent them, they had record of them showing up but no one knew where they were. So could we send them again which we did.
    I stayed in weekly and bi-weekly contact with B of A inquiring if we had completed everything on time - I was repeatedly reassured that they had all that they needed and for us to continue making our monthly house payment. Which we did.
    Finally after many phone calls to B of A we got a FedEx envelope on December 20th 2009 thanking us for our financial documentation. We again received same said letter from them on December 24th 2009 saying that we had entered into the trial payment modification part of the program, it stated that we needed to make 3 trial payments of $1782.50 the first on or before 2/1/2010 the second on or before 3/1/2010 and the third on or before 4/1/2010. I again called them and said I had just made Decembers payment and I wanted the terms of the trial modification clarified and outlined for me. The rep told me that the December payment I had made had actually constituted the first trial payment that was to be made on or before 2/1/2010 - I asked him if I needed to make another payment in January and was told NO, your December payment will be applied to your first trial payment, I then said to him if I don't make a payment in January then I will be behind another payment, and he said yes you will but that it would all get worked out in the loan modification, they will either put them to the back of your loan or incorporate them into your new modified monthly payment at a lower interest rate when the process is completed.
    I stated to him that I was uncomfortable technically getting behind another payment and he then informed me that if I brought my house payment current it would kick us out of the program, I was not to waiver from the guidelines they set forth and had to comply with all they asked exactly they way they asked or we would be out of the modification program, I was again informed the payment I made in December was my 1st trial payment. I then said my regular monthly payment is $1780.39 and that the 3 trial payment vouchers they had sent me asked for $1782.50 it was a only a couple of dollars difference so not a big deal, he then said to me make your 2nd trial payment on or before 3/1/2010, I thanked him for his time, but deep down this information seemed just wrong. I waited a couple of days and called back with the same questions and once again was given the same answers, and told do not waiver from the program guidelines we set forth or you will be out of the program.
    In February when we got our taxes back I called again and asked if I should apply them to our mortgage and was adamantly told NO do not do that it will kick you out of the program. He did say I cant tell you I wont take your money but I can say it will kick you out of the program if I do.
    I made 2nd trial payment before 3/1/2010 still keeping in constant contact with bank making sure we had crossed every t and dotted every i and jumped through all their hoops, I was repeatedly told yes you have done everything we have asked just keep making the trial payments you are in the modification process follow the guidelines we have given you, do not waiver from them.
    I made the 3rd trial payment before 4/1/2010, as May was approaching I called the bank again and asked them how I needed to proceed, as the 3 trial payment vouchers they had sent us we had already used for making the 3 trial payments, I was informed that they were way behind on processing the mod loans and to continue to pay the trial amount to put loan # in memo section of our check and to continue to send $1782.50, that it may take several more months. I paid the 4th trial payment in May.
    In June I tried to make the 5th payment in the branch as I always had and it would not accept my payment, I came home and called the bank and was informed that a letter had gone out saying we were declined for the MHA modification since our current payment was not equal to or more then 31% of our total gross income....( Shouldn't that have been determined long before we were ever accepted into the program? I think so if it had we would never be in the position we are in right now ) at this time I was once again reassured that we had gone straight into an in house program with the bank that would ultimately have the same outcome for I loan...so I paid the June payment, the 5th in this trial period only this time I had to now make payments of $1818.88 our original house payment had gone up due to our property taxes going up...okay I was fine with that and was told keep making the $1818.88 payment your still under review for in house restructuring. Again this was on June 18th 2010.
    In a letter dated July 2nd 2010 we received a notice of intent to accelerate, I was beside myself and called them demanding to know what was going on with my loan, after speaking at great length with a rep and getting nowhere and no answers, I asked to talk to a supervisor. I did eventually get a supervisor and explained all we had been through from the beginning to currently getting her on the phone, she then stated your loan restructure was denied and closed on June 23rd. I then asked her when they planned on informing us of this, and she said it is not our job to keep you informed, it is your job to see where things stand...( are you kidding me? What did they think I had been doing through out this whole process? it is documented how many umpteen times I had called and tried to constantly and consistently stay on top of this whole thing.)
    She then very matter of factly wanted to know if I could come current by August 1st 2010 in the amount of over $7000.00, I told her I did not have that kind of money and that there was no way I could get it in basically 3 weeks, I was then advised the ONLY thing she could do would be to split the past due into 5 payments that would be added to my monthly mortgage payment thus resulting in our house payment for the next 5 months being $2926.80, this is all she could offer and the only thing that could save our home from being foreclosed on...I had to take her deal because I had no other choice and losing or walking away from our home is not an option for us, we love it and have always had the intent of staying here and not walking away like so many other people have been forced to do.

    I am so disheartened, disillusioned and plain mad as hell that the bank can do this to people and get away with it. Had I gone with my original plan over a year ago our missed payment would have long ago been caught up, but by taking their advice and doing what they requested and never waivering from the guidelines they set forth they have screwed us. I was 100% repeatedly in contact with them, I thought I had asked all the right questions and complied with all the terms they set forth...they had the ultimate decision to put us in the program or not, we were not aware of the 31% rule they have for their approving or declining process, someone at the bank dropped the ball big time with this and they allowed it to continue by accepting our trial payments for 5 months now they expect us to be able to financially pick up the pieces of their mess and their mistake.
    I was also informed during my last phone call with them that federal guidelines had not even been implemented into their program until April 12th 2010 so how then could they even start the process or expect anyone to stay within their strict guidelines if they did not even know what they would be. I also asked at that time for a copy of the agreement I made with them for the repayment plan be sent to me in witting as I felt at that time I could not and would not be able to trust a single thing I heard out of anybody working on the their behalf. I am hopeful that someone on your end will be able to help us get some answers that make sense.

    mnicemomma 8/6/10 10:44PM
  • I had a CD and a savings account which came from Countrywide.

    They sent me a check for the cd fairly promply at maturity, on request.

    Different story with the savings account, I made 5 calls to 5 different people before I finialy got them to close the account, they promised bbut never came thru, at one time my account showed 0 balance but I had not received any money.

    Took aprox. 2 months to get my money.

    Don't think will do any business with them again.

    twincreek 8/4/10 10:02AM
  • Absolutely no help for questions that are not stsndard and never an option to speak to alive representative

    greg 7/30/10 12:03PM
  • There isn't enough space to write all the negative experiences I have had with Bank of America.

    Anonymous 7/30/10 12:01PM
  • I have never had to deal with a worse bank in my entire life. I was given a check as a gift and they REFUSED to deposit it for no good reason- when both the person giving it to me has an account with them and so do I. Not to mention that the person who i receieved it from has MILLIONS in her account and I have a checkings, savings AND credit card with them. I go to school in a place where BOA is the only option or else I would be switching.

    Anonymous 7/29/10 3:48PM
  • Long story short. BOA owns a rental property located next door to my father in Rockford, Illinois. The home appears to have become a haven for wayward middle age drug users. Missing some windows, shopping carts and trash in the yard. Stolen signs from a local hospital. And, no running water. They are now using water from my dad's house.

    We have notified the police department and the health department. Both of which have recommended that we contact the owner.

    Which has led me to this website. It's 4 hours of phone calls now, and I haven't gotten anywhere.

    Quick scenerio;

    Call 1 - Michael in Customer Service. I explained and he said that there was nothing he could do. Ok, I understand that, and asked him for a number of someone who could help me. He said that there wasn't anyone who could do that. I asked (nicely) for a supervisor and he REFUSED. I asked why and he said because I didn't have an account with BOA. Then he hung up on me. I was stunned.

    Call 2 - Valerie. I went through the story again and you will never believe this. She hung up on me!

    Call 3 - Phone rang. Unintelligble answer and disconnected.

    Call 4 - Samantha Watkins. Lovely woman who after listening to the request told me that she wasn't able to help me, but would connect me with someone who could. She stayed on the line while she called the Property Claims Dept. Guess what? We got disconnected 3 times. Then after all of that we were disconnected.

    Call 5 - I called the number and asked for Samantha Watkins and was told she didn't work there.

    Amazing. So very frustrated and disappointed at this point. They have some big problems. If they can't answer a phone and direct to the proper dept, how can they be trusted to manage your financial life.

    Any suggestions would be greatly appreciated.

    TJS 7/29/10 3:10PM
  • Bank of America is BAD for business. My companies account was switched when they bought out LaSalle bank and I have never had poorer service in my entire life. We have been a good standing customer with all loan/credit accounts. First you will get zero notifications of changes. The 50K in credit card accounts which were active and in good standing were closed. A 150K loan which was drawing tons of interest for them each month was abrubtly called in for payment. Then the lockbox remittance address is changed with no notification. Found out when customers check payments are returned undeliverable. Now we get checks that were intended for other companies deposited to my account. Conveniently for them make make more money with every transaction on my account. This also costs me hours in work to correct. Now the latest this month is no notification the account fees increased 210%. No, that is not a typo...two hundred and ten percent. I thought for sure they made an error like they had done several months ago but when I call to correct it I am now notified of the changes. Conveniently I did not receive the statement in the month this takes effect. Everytime I call for my client team they have changed and never with notification to me. Really frustrated at this point and sure the trouble and costs to switch banking institutions for the company is probably worth it. Bank of America does not value it's customers. Very shady practices.

    MI Customer 7/29/10 10:04AM
  • I have been in financial services for more than 30 years, and I have never received such terrible service as I have from BOA! I have been trying for three months to get them just to stop payment on a check they sent me, and reissue it. I have spent more than 9 hours trying to accomplish this so far. Everyone agrees that the original check was never cashed and is now stale dated, and that they should be able to get a replacement right out to me. But out of the 8 service reps I have spoken to, not one of them has done this, and not one has ever called me back. Their phone system is so terrible, it is almost painful to call them and try and speak to someone; you'll press a lot of buttons before you get to someone, and that person will tell you they have to transfer you. I even called the President's office and spoke to his liasion, who assured me they would take care of it. He never did, and didn't even give me the courtesy of returning my calls. If this is how they deal with a simple stop payment request, imagine if you had a big issue and tried to resolve it? I have filed a written complaint with the Office of the Comptroller, which examines them. I doubt it will do much good. Stay away from this bank if you can!

    kjm 7/27/10 4:54PM
  • I switched to Bank of America because I hated my bank. I HATE Bank of America even more. I've been on the phone every month with them trying to dispute added charges, 5.00's here for not having a direct deposit check, 5.00's there for not having 300 in my savings acct. To top it off, they lowered my credit limit by 60% because I didn't get a bill for one of my college loans, so I never paid it, the company sent it to the credit report saying I had a delinquint bill, and BAM bank of america lowers my credit 60% (not 10,30,50 but 60) for a mis-understanding between me and student loan company.

    I'm telling them I'll take my service else where!

    Anonymous 7/27/10 2:47PM
  • As a small business owner, I can unequivocally say that Bank of America is the worst bank out there as far as customer service goes. Their CSRs are inept, rude, and when pressed for answers, just hang up on you. Even their V.P.s are uncaring and inept. One would do well to take their business elsewhere. This bank needs to be shut down ... forever. Their tellers make more transaction mistakes than any other bank.

    M. George 7/26/10 11:56PM
  • I was applied a home loan with BOA and was received a pre-approval of GFE, I was told over and over that my loan was solid and loan doc. was on the way mail to me, however, I was first received a wrong doc. from BOA.. And was told again that the correct doc. was sent to me on the way, but it never did arrive since. I submitted all doc. need to the loan and was told that the loan will be closed without delay. A few days left before closing, the loan officer from BOA called and said that the estate property was not approved for the loan from BOA...., I feel that this should have been notice at the first place when I first provided the property information... not until it's almost closing date, what a bank??? (I end up dealt with another lender and got my loan without any problems..)

    know BOA 7/24/10 5:37PM
  • Every summer, I go to work for a summer camp, and every year, when I deposite my first check, they put a hold on the check and delay my receiving the funds. It's the same company I work for each and every summer. They always say, the same thing, check is too much, the company is based in another state, etc. They are always unwilling to help. It's amazing, I write a check, it's cashed the next day, funds are withdrawn. I deposit a check, it's not available for two weeks. This bank is a rip off and I'm leaving them ASAP. They've ripped me off to many times.

    Sullivan15 7/24/10 4:22PM
  • BOA should be DOA, RIP. They suck in every category & every department. None of their csr know what the hell they are doing. They refuse to refund $ I deposited to open 2 accts. They claim I never put any in. BS! Time to shut them down & force the greedy pigs there to reimburse everyone they screwed & caused problems to. Can't even access my online info, same b.s. from them, get new access info, did 3 times & still cant get onto it.

    MAD AS HELL! 7/24/10 10:40AM
  • Trying to reach "customer service" at this damn bank over the phone is an exercise in frustration to say the least.

    I have been with this bank for almost 20 years, and not by choice. They keep buying every other bank to which I have transferred my accounts.

    But you can't get in contact with this bank when you need them most-- like when my account was stolen and now, that my online banking is being hijacked!!!!!f

    I HATE their damn phone system and their idea of "customer service."

    They need to start listening to the people they are supposed to be servicing.

    Anonymous 7/23/10 9:00PM
  • How can a bank like this make any money...oh yeah they can't with out government bailouts. This is the absolute worst...oh wait, we have still have Citi and other big banks. Can't we let these dinosaurs die?

    Anonymous 7/19/10 7:57AM
  • SUCKS, SUCKS, SUCKS...............BANK OF AMERICA SUCKS BIG TIME! I'VE BEEN BANKING WITH THEM 20 YEARS AND THE PAST SEVERAL YEARS, THEY HAVE TURNED INTO THE WORST BANK TO DO BUSINESS WITH! THEIR CUSTOMER SERVICE IS HORRIBLE! THEY ARE HYPOCRITES! I'M NOT GOING TO GET INTO THE DETAILS! SOMETHING HAS TO DONE ABOUT BOFA. I WISH I COULD THROW A ROCK THROUGH THEIR F___ING BRANCH WINDOW(S)!!! BUT THAT IS ILLEGAL! THAT'S HOW MAD THEY HAVE MADE ME! IS THAT ANYWAY TO MAKE YOUR CUSTOMERS FEEL?!!!

    FEDUP 7/16/10 5:56PM
  • The worst customer service EVER! I have been trying to get an escrow check from this bank since April. Every time I call I get someone who promises me that the issue will be taken care only to find out, after calling back after not reiciving my check, that nothing was done. A bunch of monkeys can run a bank better than these idiots! If you have the option, DO NOT USE THIS BANK!

    Anonymous 7/15/10 12:44PM
  • I just had a very bad experience with BOA customer Service. I called their number to activate/cancel a credit card for my elderly mother. I was on the phone for about an hour! Their automated service would not activate the card because the card was not used for 10 months, so it transferred me to a customer service associate. He asked me security questions then transferred me to another customer associate who claimed to be the “supervisor”. I must have been on the phone with her for half an hour between being asked security questions and being put on hold. I was completely frustrated when she asked for my license. I have had many previous bad experiences with BOA Customer Service and they still have not improved. I consider myself to be a good paying customer. I think BOA needs to be reminded that they need people like me to stay in business!

    Sedonia 7/13/10 7:27PM
  • I rate Bank Of America at this moment and time a 0 rating, the lowest you can go. The worst customer service I have ever experienced. It took two years, and almost $29,000 dollars in increase cost for materials in building our house out of our pocket, and now we have been fighting Bank Of America for the last two years to get our money back. It took the loan officer July of 2007 until November of 2007 to send the application after many, many phone calls and complaints. After sumitting the appliation in November of 2007, we get a phone call from the home office asking us if we were still interested in a mortgage loan because they saw our name hangging out there. We had already received a phone call from the loan officer in November very end of 2007, stating he had received the application, and the loan had been approved. The loan officer had never did one thing with the application. It took from January to June to give us an answer about the loan. It has been a nightmare from 2007 to this date 2010. Please whatever you do, do not bank with Bank Of America and I say this with all that is in my heart. Just so you know, I am retired from this bank with a monthly pension, and if they do it to me they will for sure do it to you. Very,very bad bank and employees. Just so you know, I am still trying to get my money from Bank Of America that we had to pay out of our pockets, and will update you on the results. We hired a lawyer to see if we had a case, and the lawyer said yes extremely nelect caused the increase in materials by the Bank Of America's employees. We are now trying to get our money ourselves, so that we won't have a long legal battle and costly attorney fees, which we do not have because we took all that we had to build the house, and pay extra fees in increase costs, extention fee, increase utility bills, meaning lights, air condition running for the construction company, daily electric bills very high. Lots and lots of debt we have on us. We need our money, and Bank Of America owes us, for we can only collect what we paid in increase cost. The rest of the debt we will eat. A sad case, and yet I know there are other stories worse than ours. Any suggestions in helping us secure our money please let us know. We have written at least 50 letters and still writing letters to the CEO and the bank attorneys.

    vjb 7/13/10 9:10AM
  • For the past four months I've been trying to obtain information on the Making Homes Affordable Program for those of us not in economic distress. The legislation for increasing mortgages from 105% of value to 125% was a program that I thought I could use. Throughout this process I checked with my local branch - with the intial response of I have no idea what you are talking about, followed by the continual response that they did not know when the program would be starting, and finally that they were awaiting program guidance to be written by BofA HQ, but they had no idea when the guidance would be put out.
    I've gone through at least seven different phone numbers and endless transfers to internal blind numbers to reach customer service and mortgage specialists who had no idea what I was talking about.
    Finally, this morning I was properly connected (after three transfers) to a mortgage specialist (Scott Barrow @1 800-850-7655, x1450548) who knew what I was talking about, and gave me some preliminary numbers on costs and benefits of the program. By the way, Mr. Barrow's 1-800 number was not one that I had been provided to call, in all my previous efforts. While, I'm highly disappointed that the costs of the program are excessive at 2 points for a 5.375% loan, particularly when the base market is in the range of 4.75%. He least gave me the information I was seeking.
    Unfortunately, I am stuck with BofA as my mortgage servicer as I have a loan covered by Freddie Mac. At this point I have lost the equity for six+ years of on-time payments, plus the 38K that I put on the property as my down-payment. And what do I get from your institution - tough luck, and we can't do anything for you.
    If I could be released from the Freddie Mac loan I've already located a bank that would finance a revised loan under Fannie Mae. But as it is, I'm stuck with what I feel is a total rip-off by a corporation that has been richly rewarded for its incompetence and that cares nothing for its customers.
    If this message has any effect, what I've been looking for is a 125% refinance, for a 15 year term, at a rate at least .75 below my current 5.625% rate, with an additional option to buy-down the rate even further. Its bad enough that I'm paying on a mortgage that substantially exceeds the current vaule of my property, but its even worse to be paying a rate well in excess of the current mortgage market.

    EPKKLK 7/12/10 11:54AM
  • Customer support on the weekend is terrible. I wanted to log-in and pay my bills on a Saturday evening, but the account was locked. (Wife submitted an incorrect e-mail for electronic statements.) So, I tried to call customer support to unlock the account. Problem is they close at 5 PM on the weekend.

    Most people are probably too busy to pay bills during the weekday, so this is a huge inconvenience for their customers.

    My other bank (a well known brokerage company actually) has phone support 24/7.

    alan 7/10/10 5:53PM
  • I have been working with Bank of America since last October 2009 on trying to modify my home loan. I have received nothing but the runaround and dead ends - can never get ahold of anyone that can help or knows anything of what is actually going on. Every time I call I get a new person with a new version of events. I am frustrated and in disbelief of the service I have received from this company - it is obviously not their intention to help me not then and not now.

    martinezfam6 7/7/10 6:00PM
  • Your costumer service department are not very hepful in any way; they keep on forwarding me to a different extention and putting me on hold and will not call back when the call gets disconnected.I have been following up why my credit report went down over 200 points bec. you guys said that i was late with payment or missed a payment. Please review your records carefully bec. I send payments via online banking through my credit union.I also applied for a Loan Modification which I also cancelled until my divorce is final. As for now from what I see this phone system you guys are using, i'm sue is driving people mad.I am very dissappointed and frustrated. Only Adolfo tried his best to help last june 29th. Please call me asap. Thank you.

    Anonymous 7/7/10 4:00PM
  • My experience with
    Bank of America's Customer Service has been overwhelmingly negative. I am seeking a modification of my mortgage through the Making Home Affordable Program since my husband left me and I am no longer able to afford my current mortgage. I have been working on this process since January, 2009 and been declined 3 times. This even though I have researched the program and spoken to a HUD approved counselor who says I qualify. BOA has consistenly overstated my income and made so many errors that I have become convinced that they are doing it on purpose for some reason I can't quite understand. I would not recommend BOA to anyone!

    shirley 7/6/10 6:43PM
  • I went into a local branch to turn in documents related to a theft case. The "customer service" person asked me if I had the fax number and I informed her that I didn't. I asked her, since it was her agency, didn't she have access to that information. (Her bank, her employer, you think she would know how to pick up a phone.) She said "no" and gave me an 888 number to call that had absoloutely nothing to do with the fraudulent theft cases. Then I was transferred at least five times. The left hand obviously doesn't know what the right hand is doing in that agency. I ended up mailing in the reports and keeping my fingers crossed it has reached the right desk.

    Mel B 7/2/10 11:03AM
  • we recieved a moneyorder from a Mary wilson for 890.95 it was fraudulent.The money order came U.P.S. although we did not know this person it look legitimate.who wouldn't cash it?The teller was rude and made us feel like criminals, like we had made the money orders and was trying to cash them. we tried explaining to them how we got them and they didnt seem to care.so we went to the manager about it and he didnt seem to really care either.we told him about the service the teller gave us and how she acted and he didnt care. thats the branch we bank with and now we dont want to go back because we feel embarassed and feel like well be looked down upon for this.

    Anonymous 7/1/10 10:33AM
  • I have a mortgage with Bank of Anmerica and have gotten terrible customer service. B of A has been giving me the run around for 3 months now and have no desire to help me.
    I would change banks in a heartbeat if I could.

    Anonymous 6/28/10 6:16AM
  • I had the most painful experience working with BOA to close my loan from the very begining. Today, Friday is closing day and the loan package is still under review. My movers are scheduled for Sat. morning and my current lease ends Sunday.Closing may occur on Monday now!

    lynski28 6/25/10 5:45PM
  • I hate trying to contact this company. They are so big, and there are so many different phone number to call for different things, the people you do talk with don't even know where to transfer the calls! Most of the representatives I have spoken with have been profoundly unhelpful. My biggest complaint is that they paid two different insurance companies for a year's worth of insurance this year. So we just paid twice for the same product, and they didn't even realize it! They simply raised our payment to accommodate the difference! Something really needs to be done about this company. The way they do business is absolutely atrocious.

    musicbox 6/25/10 5:09AM
  • What a terrible company... They lost a bank check that I had sent them after they failed to endorse the back of it causing my back to kick it back. Since December they have not been able to locate this check but yet will not sign a stop payment form b/c of the general wording of this letter. I have never been so digusted with a complany in my life and I have never had so many issues trying to get my money back. We are talking a big chunk of money and they are just not working with me and my husband and yet the folks I am working with won't give me the numbe to their legal dept... ARGH!! I hate Bank of America!

    Anonymous 6/24/10 10:26AM
  • The finance rep Of bank of america( Gabe Garcia in Phoenix AZ) harrased me to lower my credit limit on my credit card that I had since '92 when I don't even have any intention of borrowing money from that institution. I ended up closing all my bank of america credit cards just to avoid dealing with nasty reps of bank of america. It is a shame.

    Anonymous 6/23/10 9:41AM
  • 6-21-2010
    I have been a customer of Bank of America for 20 years.
    My wife also has/had an account with Bank of America.
    She has run into issues where she can not pay the required balance due.
    I am not on her account, but Bank of America cancelled my account due to her issues.
    The first Bank of America rep threatened to turn my account over Card Services.
    They have since cancelled my account even though I have NEVER missed a payment.
    I run a motorcycle shop and have over 100 people come thru my business a day.
    I will let everyone know how Bank of America does business.

    Mad 6/21/10 1:11PM
  • I am writing this email in response to the disgusting service by the the most unprofessional individuals... I'm not sure where BofA aquired these idiots but they caused me some very serious problems with the Utah State Legal Bar. A simple transaction was handled over the phone paying a fee for some advanced legal education courses and we realized my card expired at the end of the month so we called to request new cards and the poor excuse for an employee says he is cancelling the card and sending me a new ones......"Please Sir the recent transaction must go through" and his comment was "sorry can't help you will have to wait 2 weeks for new cards" and I insisted this cannot be because of the restraints of time and let me talk to your supervisor and that was a waste of time. Thank God we had a Wells Fargo Card and the State Bar hadn't closed yet. Be advised our relationship with you is hereby terminnated. I am sending a copy of this letter to all my 132 family members and telling them of this horrible excuse for customer service.

    Gerald Ward

    gerald 6/17/10 3:28PM
  • I have a month waiting for a new pin nomber and just I received the statement,so I need the customer service phone number that do not ask for S.S. number or ITN ,because it is to many problems with that, I think those things you do for don give us assistece.

    Anonymous 6/17/10 7:29AM
  • Their mortgage dept.'s customer service is horrible! There are several phone lines you can call to get to the Mortgage Dept.; however, I have a really hard time EVER getting anyone on the phone. Either it doesn't recognize what type of support I need, or it cuts me off after spending 20 minutes trying to get the phone system to work. The web site is no help either. Their customer service has been horrible since I've been with them (about 5 years), and they have made no improvements. If you need several things because you have several differrent types of accounts, you have to be transferred to 5 different people, then usually get cut off. No way to contact anyone via email and get them to actually call you back. RIDICULOUS! If you can avoid working with them, use another bank!

    newtonjw 6/16/10 7:51AM
  • boa sent my home owners insurance 2 the wrong company & now my home owners insurance is about 2 be canceled...called several times daily 4 about 2 weeks...all they do is pass the buck...i need someone up there 2 take charge and rectify the situation.

    anon 6/15/10 11:16AM
  • I called the Cross Creek branch of BA to ask how to return the keys to my safe deposit box after I had moved to Hudson. they told me to go to any BA office, sign a form and turn in the keys.
    I went to the Bayonet Point branch of BA in Hudson, fl. Kimberley Treen told me emphatically that I must go back to the original branch to return the keys. I told her that the other BA office said I could go anywhere. She said, NO." I told her to ask someone else in the branch about it. She came back with the answer that I had to return to Tampa, Fl to return the keys. I asked her to look it up in the BA training. She said she wouldn't know wher to look. She said the branch manager was out to lunch at 2:50. Finally I insisted she call the Cross Creek branch. She dialed the number, handed me the phone and walked off. When I called to her to say that BA was on the phone, she basically told me to be quiet because she was talking to another customer. The Cross Creek representative apologized for the problem I was having and stayed on the line with me. When Kimberley finally came to the phone, the Cross Creek representative walked her through the computer to find the form. Kimberley printed the forms for me then went to "help" someone else.
    I sat and filled out the first form. Then Merriam came to read over my shoulder and made some really stupid comment that was attempting to be helpful, like, just write your name where it says name. I thanked her because it was clear she was stupid and didn't don't what to do. I finally got my business taken care off.
    Any time I have been in the Cross Creek branch, I have been greeted and helped by professional ,courteous people who reflect the kind of people who live in that upscale community.
    At the Bayonet Point branch, I may as well have walked into Dog Patch. Kimberly's ease and comfort at NOT providing customer service and telling the customer to go to another BA branch lets me think that this kind of non-service thinking and behavior is OK with the management of this branch. This is not just a Kimberly problem; it is a management problem.
    Kimberly should never have put me online with the other BA office and walked away. She should have stayed on the line with them.
    The Bayonet Point office has an older, passive, don't want to argue, and will accept anything kind of customer base. The old people don't want trouble and don't want to get upset about anything.They also realize that the young people are uneducated and have no customer training experience. But I am not quite ready to put up with poor white trash crap at my bank. I'll find another BA branch although this one is right next to where I live. Of course, there are other banks in the area as well.

    suem600@yahoo.com 6/15/10 10:22AM
  • UNABLE TO REACH AN ASSOCIATE AFTER WAITING A TOTAL OF 35 MINUTES. I WAS DISCONNECTED 4 TIMES. I FINALLY WAS ABLE TO SPEAK TO A " LIVE PERSON ". BUT UNABLE TO HELP ME ... MY MORTGAGE PAYMENT WENT UP AND I CAN'T AFFORD THIS . I AM 72 YEARS OLD , ALONE AND HAVE NO ASSISTANCE. I'M ANGRY , TO SAY THE LEAST.

    Anonymous 6/7/10 2:37PM
  • All the customer service representative I have delt with over the past five months must have an I.Q of less than 10. One promisses my check will be in the mail in three days; when I called after not getting my check after six days, an different rep. tells me my request for a check was denied because I am replacing my totally burned out home with a mudular home, and that request must go to a "special department". When I asked why I was not told that five months ago when I first called, he had no answer. When I asker for a phone number of that special department or a name of a person working in that department, I get nothing but doubble talk. As far as I am concerned, all their representatives, especially their supervisors, are nothing but mental midgets who main job is to keep the customer from getting their money.

    Anonymous 6/6/10 4:22PM
  • On Sunday May 23rd my residence burned down and I lost everything I went to BofA and told them what happen and that I needed checks and a new bank card the csr I spoke with said ok no problem they will be there in two days two days came and went nothing I went back to the bank the csr that I spoke to this time said no the order was for three day delivery the three days came and went nothing here it is Sat. still nothing so I'm delayed even more closed Sun. and Mon. Is a holiday so I'm screwed until Tues. what a bank.

    B.Angee B. 5/29/10 8:04PM
  • why does bac home loan mortgage have those people from other countries calling 3 times day when you tell them i have spoke to someone already and they continue to harass
    me and my # is routed to these people every time one person named mike shiake in india
    always gets my call how is that and he is in india, pakinstine, stop these people i will go to CNN about these out of the country people harassing me 3-4 times a day

    suefrances 5/26/10 10:10AM
  • BofA is a totally crooked outfit. It doesn't matter how long you have been a customer, they have no loyalty to their customers whatsoever. I was with them for 20+ years with few problems. Within the last 4 years the problems have escalated. BEWARE, they have a habit of tacking on fees (for no reason) that they hope you won't catch. Everytime I caught one of their fees and called them on it, they removed it and assured me it was some minor error and wouldn't happen again. But it did month after month. I notified them via email, telephone and in person....nothing improved. I know of several people who have experienced the same thing with BofA. I finally withdrew all my accounts.

    JaneQPublic 5/25/10 12:41PM
  • Began my application process 4 months ago and still not closed yet. Keep hearing how busy they are. Seems to me the key then would be to hire some people. Send emails to person handling it and have never ever got an answer. Conditional approval happened way back when, I had questions when I got the Truth in Lending package but never was able to reach anybody about the questions I had about the package. Pretty obvious through this experience why banks are having problems!

    Anonymous 5/25/10 5:07AM
  • Horrible customer service! Every time I call in for a problem (their fault) reps try to sell me additional service and then hang up.
    These guys are crooks

    Anonymous 5/24/10 8:52AM

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  • I believe I went to the bank May, 09, 2012 to open a new account. I was assisted by a woman named Maninder Sidhu (she is a personal banker). She explained everything so clearly and took the time to help me with all my questions. She told me everything I need to know and she also gave me some warning tips for my safety. She's a very happy person that loves to smile and that meant a lot to me, because I can't stand it when a worker doesn't show emotion or care about their customer. It was so easy to talk to her, ask questions and get information and I enjoyed her time so much that "I" asked for her card first before she gave it to me. She even drew a heart around her name on the card which was really cute. Maninder enjoyed my mother and I's company as well and she called us her angel because before us she had customers that said they hate BOA but we told her how much we love BOA and this is the only bank we've ever gone to. I've never experienced such customer service before from anyone. She was extremely nice and I felt really comfortable and welcomed. My mother and I both thought she was an excellent worker and an amazing person. The reason why I'm writing this is because we need more workers like Maninder. In the end, She walked me over to the ATM and stood next to me the whole time and was watching me use the machine, in case I made a mistake. After that, Maninder gave us hugs and my mother and I were happy to have met/know her. I will recommend her to anyone.

    Valant

    BOA Member 5/14/12 12:20PM
  • I spoke with Erma today who assited with making a mortgage payment. It was very refreshing to speak to a very professional
    customer serice representative. This is the first that I did not have to endure a lengthy
    "hold" time or speak to several representatives before finally establishing contact with the right person.THANK YOU ERMA.
    Gloria X

    Gloria X 4/30/12 12:05PM
  • on 19 Apr 2012 I called BOA and Ms Kamesha answered the phone. She was pleasant, professional, knowledgeable, and very helpful. WOW!!
    I needed 1098 tax forms for 2006-2011. She tried three or four angles to locate my old loan information. She went back to Countrywide found the old account number, and requested that they be mailed to me. I felt that she was going to keep on this mission until it was resolved.
    As an old Soldier it is refreshing to find a civilian with such dedication to duty.
    How do I go about ensuring that I am connected to her each time, or, are all of your customer sales representatives this outstanding. It is people like her who will ensure you keep loyal customers like me. keep up the good work Kamesha and BOA.

    S. Watson
    FL

    armydoll26 4/19/12 7:12AM
  • We have been with Bank of America for over five years and todate we have not had any problems with them. With the exception of some of the wait times to get to a agent. But these days what company doesn't have issues with that.

    Anonymous 3/15/12 5:22AM
  • BA used to be awful... 10 years ago. But during the last 5 years I have had nothing but good customer service results from them even when I was in a small hamlet in S.E. Asia and needed help.

    bwana 2/19/12 6:31AM
  • I have all my bank accounts, credit cards and my mortgage through B of A. I have never had a problem with them. I fell this is becasue I actually pay all my bills on time. I'm not looking for handouts. My house may be underwater but I took that risk when I bought it! I also bought a house I could actually afford.

    caliblonde 2/9/12 6:06PM
  • Thanks to Bank of America. I recently had an overdraft. I receive less then 90.00 each month. I owed -18.00 avaiable balance. Called customer service explained the situation. Customer service agent looked at my account notice that i had not ever done this before gave me my money back and configured my account so I would not be charged fees in the future. Kudos to Bank of America.

    carlyarbor@yahoo.com 2/5/12 2:10PM
  • I've been a Bank of America customer for over 15 years, and I am very happy with every aspect of their service. BofA has ATMs in nearly every city I've beeen in, they have resolved any issue I've ever had (including reimbursing me for a fradulent transaction of over $3,000), they have the best online banking service of any bank in the world, and their partnerships with foreign banks to withdraw funds without a fee was very helpful when living overseas.
    I find it amusing how several people hate big banks just because the media tells them to do so or because they have defaulted on a loan and blame the bank when they are at fault. I am a satisfied Bank of America customer and investor and would recommend them to anyone looking for an accessible bank.

    SatisfiedwithBofA 1/18/12 8:34PM
  • I want to HIGHLY commend Mr Trevor DeWald, a sales and service specialist on W Meeker in Puyallup, WA., for coming to our assistance when no one else in the bank would help us. My mother was dying and my sister had the durable power of attorney to access our mothers deposit box which held her will- unfortunately her power of attorney was also in the deposit box. We hired a notary to come to our mothers bedside and we drew up an new power of attorney with both of our names --- my sister was told by the bank that we both needed to be present so I left my mothers bedside and went with her to the bank. We were then told that it was against the Banks policy to allow for a dual power of attorney and our mother would have to sign a new one - at this point she had passed into a coma and this was no longer possible. The management at the bank told us it " was too bad, it was simply against bank policy to allow us access with our dual power of attorney" and dismissed us. At this point, Mr DeWald stepped in, told us he had a thought, called B of A attorneys who provided us with a couple of new forms and within 10 minutes we had access to the deposit box. We are beyond grateful to Mr. DeWald for his caring enough to think and take some action to help us in the very trying time. I can not commend him enough! You are very lucky to have him as your employee!!!
    The negative ratings below are for the management team at this branch and NOT for Mr DeWald.

    Anonymous 12/28/11 3:13PM
  • I called this office because the banks online and credit card departments could not resolve a banking error. The advocate I talked to was very helpful and resolved my concerns.

    Anonymous 12/1/11 12:45PM
  • wonderful bank! great customer service! i dont know why everyone is so upset. dont they know that NOTHING is free? no matter which bank u go to, nothing will be free. at least boa gives great customer service!

    sdgsdg 11/14/11 11:49AM
  • I have had no trouble at all with BOA. I never get hit with any unknown fees... they are friendly and helpful. I have dealt with Citizens Bank and Sovereign/Santander and have nothing but nightmares with these people. I'm actually quite happy with BOA!

    Dawnkey 10/18/11 7:13AM
  • I lost my card due after going out with some friends. I called the following day to report and spoke to a very wonderful person, Mr. D Preston, and he just very positive and wonderful. He verified some information first, always with a positive attitude and proceeded with cancelling the account and set me up with a new account. Waive the shipping fee was a plus. It was a true pleasure speaking with him and made things super easy. Thank you again!

    Mike M. 10/18/11 7:09AM
  • im a csr for boa and after reading a majority of the comments i have to say alot of you are convinently leaving out a lot of the story with od fess i work in checking and savings and hear heartbreaking stories everyday and, but for every 1 case of true hardship we hear dozens of people who just dont monitor their accounts and call us to tryto get get a fee back you signed the dipositors agreement and you agreed to the terms and conditions of said agreement, keep a running checkbook and take some responsibility for yourselfs, and for the record i highly recomend a ebanking account, and we also do not offer courtesy refunds anymore btw the bailout we paid it all back plus intrest before any other bank........anything i cando for you? ok well we appriciate your business and have a great day :)

    Anonymous 8/2/11 6:51PM
  • I was recently in the new BOA opened at Peachtree Center in downtown Atlanta, GA. The failure of the Bank to provide chairs to the bank tellers is absurd and cruel. Whoever endorsed this policy is misguided. Please reconsider and provide chairs to these hard-working people.

    Thank you, T Maziar

    Anonymous 7/28/11 3:56PM
  • bac is better than any banks in costumer service tough the apy is pretty bad

    Anonymous 7/1/11 6:32PM
  • WHAT IS UP WITH THIS CLOSING OF SMALL BRACHES IN TEAX AREAFOR THE SAKE OF A BUINESS DECISSION-(THE BUSINESS DESISSCION IS TO SAVE YOU MONEY FROM YOUR POCKET-RATHER THAN TRY SAVE A BANK THAT BEEN IN BENBROOK TX FOR HOW MANY YEARS; AND WHAT IDOT THOUG OF THIS-YOU NEVER CONSIDERED THE PEOPLE OR BUSINESS IN THIS TOWN DO YOU HAVE ANY IDEA HOW MANY PEOPLE WILL HAVE TO DRIVE WAY OUT OF THEIR WAY TO GO TO ANTHER BRANCH; BETTER YET HAS ANYONE BOTHER TO ASK THE REASON WHY SO MANY O US USE THIS BRANCH IN BEENBROOK -ITS NT JUST THE LOCATION- ITS THE PEOPLE LIKE dUSTY;ANGLEA THAT WORK THERE-AND MOST STAFF THAT HAVE COME AND GONE-THEY MAKE YOU FEEL LIKE A HUMANBEING AND NOT JUST ANOTHER PERSON STANDING IN LIKE.YOU HAVE TO BE TOTALLY STUPIED-TO DO THIS WHAT YOU FIGUE A SAMLL 2% LOSS THAT PEOPLE WILL CAHNGE BANKS-i MAY NOT BE ONE OF THE RICH PROPLE IN TEXAS BUT I DO KNOW THIS - WHEN THE BANK FINALLY SHUTS ITS DOORS, ILL BE AT ANOTHER BANK,LIKE MY FIRNED IAM AFFRD SHE HAS NO WAY TO GO TO HULEN TO THE BRANCE SO SHE WILL BE PULLING ALSO- NOT THAT ANYONE IN THE CORP WOLD CARES-ABOUT ITS CUSTOMERS...AND AGIN IF ANYTHING YOU SHOULD THANK PEOPLE LIKE DUSTY And anlgea they made it all woth it for me in your world

    Anonymous 3/24/11 6:26PM
  • Bank of America is working out for me. My mortgage application is presently going smoothly, especially because of them. They know what they are doing. If you let them do their jobs, you will have a good experience. I know because I tested them to their limits with this.

    Anonymous 3/15/11 8:40AM
  • Tried to redeem world points online for cash, but failed to navigate the confusing site. Called customer service number and got immediate satidfaction.

    Anonymous 2/28/11 1:20PM
  • Sir: As of 01/12/11 our refi application with B of A was terminated. I don't feel justified in this decision because of one problem with a credit agency(Aero Financial). Your rep(s)@ Claremont Ca and Lancaster Ca offices have been very helpful and supportive and have gone above and beyond the call of duty to help me. Both reps have been professional to me. I'm asking for support of higher authority on their behalf. Please could someone of B of A corporate office please call me. Regards

    Anonymous 1/15/11 9:59AM
  • bANK OF aMerica is the best bank in the world. It is a friendly no hazzard bank.
    My experience have been great, specially the one at Dearborn & Monroe, Chicago, Il
    all of them are wonderful and they should set an example for other banks as I mentioned in a previous ocasion.
    the only thhing that I GAVE THE name of
    Rebbeca Harris as as the one that I liked the most who was willing to help,nice and understanding but is MARIAN. Sorry for the mistake MARIAN.(you are a wonderful person.)That banks treat every body like royalty. When you get there you are the most important person in the world. Is a family bank not like others thaat treat you like a number.
    cold and like if you were going to steel something. No body gives you a nice welcoming.

    Anonymous 12/22/10 10:52AM
  • WOW just got great service. I've been delinquent on my mortgage for 18 months been through 3 failed short sales and in that time never had a meaningful conversation with a B of A employee. But with this number got a direct line to the employee that helped me and had a packet immediately emailed to me. USE THIS NUMBER

    Anonymous 11/18/10 12:15PM
  • After a horrible disgusting customer service representative experience at Broadway and West 88th Street, I went into another branch at 3rd Avenue and East 47th Street and was calmed down and taken care of in a professional courteous manner by William Lang.

    I guess there are some nice people working at this bank. Too bad though, there aren't more!

    Anonymous 9/10/10 6:41PM
  • after some persistence, i finally found the right person to talk to. and they were very helpful. i think patience is key. and wine. lots of wine.

    Anonymous 9/7/10 7:42PM
  • I called customer service on 8-1-10 due to an unauthorized charged from a company called Melaleuca, i had canceled the service over the phone. My account was debited anyway.The manner was resolved immediately. On 8-2-10 the same company withdrew funds again. I called claims and was greeted be Andrew-8QEV is his Id number. He was so patient and took the time to first say he was soory that this happened to me. He got all the facts and stated he was doing a progress note while speacking to me. Andrew even gave me the number of the company the complaint was against. I have never experienced that level of care from a bank employee. Andrew acted as if we were good next door neighbors. When the conversation was also over, he asked have all my concerns been handled to way I wanted? Yes they were. When I called my intention were to close out the account, but after speaking with him, he assured that my bank will do it's best to protect my money!!!

    Andrew 8QEV 8/4/10 10:32PM
  • I have banked with Bank of america all my life and have never seen any other bank perform as they do. They have good customer service & do indeed value their customers. I used to have a mortgage & line of credit with them and never had any problems. now I just have my persnal credit card & checking accounts and they service them with exceptional quality...wuld not chnge them fot anything

    nbkmdf 6/10/10 6:42PM
  • Talked to customer service today, my issue was taken care of in less than 10 minutes, and 60 dollars refunded to me. BE NICE to them and HAVE PATIENCE and they are quite good actually.

    Harrison 4/28/10 6:48AM
  • I have been with BOA for over 6years now and i love that bank.If you know how to talk to them they will help you and give you your money back you just have to know what to say and when to say it.

    It pays off 4/26/10 7:23PM
  • Just cancelled my son's account. I got to a service representative in less than 60 seconds who has knowledgeable, polite and very helpful. She did have to switch between applications and machines, however. What's up with that?

    Myers Park Mom 3/20/10 12:31PM
  • Thanks for this page and especially for marvelous customer rep Tiffany. The automated service could not help. Most frustrating was the lack of the automated option to reach a rep. If it wasn't for Google, this page and Tiffany, I'd be stuck.

    Called on Feb 3 around 4PM and was in touch within 2 to 3 minutes. The rep said her name was Tiffany who was very kind, patient and able to help me through MY disorganized, multiple questions.

    xnewmex 2/4/10 4:00PM
  • I found this site today searching for a contact number for BOA mortgage. Earlier today I got a call from a BOA computer operator saying my payment for this month was late. Calmly I looked into my electronic banking records and confirmed my hunch was correct and that they had made the error.

    I spent approx 50 mins with a BOA associate and found her polite, calm, helpful, and professional as any could be over the phone. I have also come to find out today that the BOA banking system dose not recognize partial payments for mortgages. Earlier this month, I decided to break up my monthly payment into an automatic every two week deduction from my bank. In reality I was ahead of schedule and their system thought I was behind. Beware of this system flaw.

    Being calm, pleasant and straight forward with your concern to the other end of the phone line has always been a plus for me. Any live phone personality is just human like yourself. Control your anger, have all your paperwork in front of you with a game plan for gaining information. Work with the associate and resolve your conflict. Above all, be patient.

    A funny thing happened while I was on hold, I played my grand piano to pass the time. Unknown to me, the associate thought she was on hold listening to music when she came back online. I did not realize I was being listened to so closely until she spoke. I was flattered she thought I was a recording, and she was humored to find out I was playing live. Give and take people, treat one another better and you will get more out of life. Peace ! :)

    Arthur 1/25/10 1:19PM
  • I recently visited your bank located on georgia Avenu in Silver Spring, MD and I received outstanding customer service from Afi Mensoli (Teller). Ms. Mensoli was so helpful and informative. she answered all of my questions. I had a great experience. Thank you for having Ms. Afi Mensoli on your team! Susan R. Johnson

    Susan R. Johnson 11/3/09 6:36AM
  • I USED TO HAVE BANK OF AMERICA CREDIT CARD,
    NOW THEY TOOK MY LOAN FROM COUNTRYWIDE.
    I AM VERY HAPPY THEY WAY CUSTOMER SERVICE AND LOAN OFFICERS TREAT YOU. SO, I LOVE BANK OF AMERICA ONE OF THE WORLD LEADING FINANCIAL LENDER WHICH CARRY MY MORGATAGE NOW IS GREAT. BANK OF AMERICA IS THE BEST BANK I HAVE EVER SEEN.I APPRECIATE THIS FINANCIAL INISTITUTION FOR THE FACT THAT ASSIST HOME OWNERS TO MODIFY THEIR LOAN SO THEY CAN AFFORD BASED ON THEIR INCOME. I WOULD TELL MY FRIENDS TO DO FINANCIAL BUSINESS WITH BANK OF AMERICA.

    BHIX 8/7/09 8:26PM
  • Quick to resolve issues, bloody long to connect or kinda long when you get transferred to another department. Hate spending minutes on my cell to call and be on hold.

    Good customer service though, speedy and courteous.

    Kali 8/5/09 2:40PM
  • I have a checking and savings with Bank OF America and I think they are great always helpful and courteous when I call!

    Ms. Lady 7/29/09 9:25AM
  • The after hours number was SUPER HELPFUL!! I talked to a very nice lady who walked me through a couple of misplaced weekend transactions, after I wrote my new landlord a check!! Everything is butter again. Thank you my God thank you, how helpful how so so so so so so so so so very helpful....bless you dammit!!

    San Francisco Happy Man 3/30/09 11:13PM
  • Right on! That was very helpful and I got a human being almost immediately. They had to transfer me to a California operator to handle my question but I got another human being right away - no wait! All in all this was super helpful advice and phone number so thank you!!

    Carolyn 2/12/09 6:35PM
  • Submit your comment >>
  • I'm a BOA employee trying to refinance and I'm having a difficult time. On February 17th my rep asked me for documentation I emailed her on January 6th & 14th (and she said she rec'd it)!! Makes me want to leave the bank!

    UGH! 2/27/11 4:40PM

  • I used to work for BofA and if I didn't need the job at the time then I would have never worked for this company. Now that I am an ex-employee I am here to say that I am really glad that I don't work for this company anymore. The branch that I worked for were not fair by a long shot. I do know some people that work for this company currently and they absolutely hate it, but they need the job or they are to old to start over. Sad really. Oh and one more thing, BofA training sucks because there is no consistency ever! This is another reason I refuse to bank with this institution.

    DG 9/14/10 9:22PM

  • i know nothing about mortgages but i do know that bank of america is a great bank!!! i work for them as a proffesional teller and i always give excellence performance!!1 its sad to hear all this about the mortgages because my mom holds a morgage with BOA!! and if this bank does fail i hope we get the money to get back up!! it has wonderful opportunities for those people who need to work!!! such as me and as well as great benefits for customer who have accounts!!! from Talman to LaSalle to Bank of AMerica!!

    urs trully 2/20/10 8:16PM

  • As a Branch Manager I can feel your pain on overdrafts. BOA makes HUGE income on overdraft (and other) fees and will never refund the fees though there are some of us who will circumvent the system and waive fees for our customers. Of course, if we're caught we face immediate termination. I have seen situations where overdrafts were caused by BANK ERROR and our management would tell us NOT to refund unless the customer furnished proof that it was a bank error!!!!!! CAN YOU BELIEVE IT?!?!?! I, for one, am looking for a new job. BOA is the most mean spirited and sleazy company I've ever worked for and I've been in banking all my life. The only time you'll get any service is from the old timers like myself and we're being squeezed out due to our higher salaries. The new flunkies that are being hired are taught to be pro-company and that the customers are always wrong and boy oh boy, are they holier than thou. Do the right thing....leave BOA and go to a real bank.

    Anonymous 1/12/10 6:26AM

  • As a current BOA employee I can verify that this type of stuff happens EVERY DAY. Training of new employees is almost non-existant not to mention the arrogant company attitude of "if the customer doesn't like it he/she can go somewhere else". Being one of the largest banks in the US has led the BOA senior management into believing that they and and the company are invincible. Just check out the class action lawsuits filed by employees to verify this. For what it's worth, we employees suffer from the same incompetance, only it's internal. If you're smart, you'll go to another bank. In closing, BOA has lots of hidden fees up their sleeve to start nailing the customers with in the not too distant future.

    Bank of America Flunky 1/6/10 1:56PM

  • I work for BOA on the mortgage side.A lot of people aren't paying there mortgage because they think that they can get a reduction or a modification on their loan just because they heard their friend or neighbor get on, that's not it.80 percent won't get their loan modified because there are too many bad loans an it is also based off of your income. My thing is you signed the Docs you should have known what you were getting yourself into can't blame anybody but yourself.

    mrmakeItHappen 12/8/09 6:57AM



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Moynihan, 52, presided over a contentious two-hour gathering as shareholders pressed him on complaints ranging from mortgage practices and foreclosures to customer service and political contributions. One attendee at the Charlotte, North Carolina event ...
Bank of America CEO Faces Shareholder Ire Amid Protests
Moynihan, 52, presided over a contentious two-hour gathering as shareholders (BAC) pressed him on complaints ranging from mortgage practices and foreclosures to customer service and political contributions. One attendee at the Charlotte, North Carolina ...