you want money stolen from your account use Bank of America. I have a joint account with my soon to be x husband and my own personal account. Two separate accounts. Since my x let his account over drawn they decided to go to my account and suck up the money my mom gave me to help me out. She does not have that kind of money but she wanted me to live with a roof over my head till this house sells. She is in assistant living home. She is 84 years old. Do not trust this bank...I have been a member with them for many many years..

Do not trust your $$$$ with Bank of America

No more a customer
Joann Marinelli

I hope everyone realizes that Bank of America is nothing more than Fleet Bank in drag. Up here in the northeast we more accurately referred to them as Fleece Bank. They had such a bad reputation that they needed a face lift and a new identity. What better name than BoA? Sort of like the Cowboys being America's team or some such rubbish. You need to know only one thing, they were originally spawned from Rhode Island's finest. Rhode Island, for those that don't know, is regarded as George's Bank if you're fishing for the criminally insane. And most of those indicted worked for Fleet. So they quietly fade into the woodwork and re-emerge nationally as BoA so they can spread their deceit to the far corners of the country. I can't wait to see what kind of mayhem they wreak on the US tax payer.

Point returned.

We are in the midst of our second bad experience with a Bank of America mortgage. With our previous home, we started with another mortgage company (Wells Fargo), which was a very positive experience. After a couple of years, our mortgage was sold to Bank of America (an all-around pain in the behind, but that's another story). When we purchased our current home, we went with Countrywide. In what was probably a mistake, I told the mortgage agent about our previous troubles with BoA and asked him what the likelihood was that our mortgage would be sold. He told us not to worry, and that fewer than 10 percent of their mortgages get sold within 5 years. Guess what, three weeks after closing on the house, we got a letter informing us that our mortgage had been sold to BoA.

Our first year went by with the typical minor hassles over electronic payments not being received and early payments being applied to the interest rather than the principle, despite our explicit instructions (aggravations, but not huge deals in the grand scheme of things). We made every payment on time, until this month. When we sent in our check, for some reason it was made up for $1800 less than we owed (we currently own two houses, and the check covered the payment for one house). To compound matters, we were out of town for a week and returned on the 16th (our payment was due on the 15th). When we returned, we realized right away that we had messed up on the payment, so we contacted BoA and sent our overdue payment with the late fee on the 17th. Everything's ok now, right? Wrong! On the 20th, despite speaking with BoA and being assured that everything was fine as long as they received the payment befor the 30th, we started getting calls from collection agencies. They are calling us at home, at work, at our kids' soccer games, etc. I've gotten so sick of their calls already (today is only the 21st) that I have started logging their calls and am planning to take legal action if they don't stop calling (how many times do we have to tell them the check was dropped in the mail at the beginning of the week before they get the message and stop harrassing us?)

I admit, we made a mistake and were late with a payment, but it hasn't even been a week yet, and BoA has already sicced their collection agencies on us. In 20 years of homeownership, I have been late with maybe 3 or 4 payments, but I have never been treated like this. If you like being dehumanized, treated like garbage, lied to, and given attitude by customer "service", then Bank of America is for you. Otherwise, steer clear if at all possible (and refinance your loan with another mortgage company if BoA gets its greedy hands on your mortgage - that's what we're doing next)

"He told us not to worry, and that fewer than 10 percent of their mortgages get sold within 5 years. Guess what, three weeks after closing on the house, we got a letter informing us that our mortgage had been sold to BoA."

You can't understand that 0 and 10 are different numbers?

"early payments being applied to the interest rather than the principle"

All mortgages are structured this way moron.

"we started getting calls from collection agencies."

Because you missed your payment date as you stated...

"I admit, we made a mistake and were late with a payment"

So shut up then?

"In 20 years of homeownership, I have been late with maybe 3 or 4 payments, but I have never been treated like this. If you like being dehumanized, treated like garbage, lied to, and given attitude by customer "service", then Bank of America is for you. Otherwise, steer clear if at all possible (and refinance your loan with another mortgage company if BoA gets its greedy hands on your mortgage - that's what we're doing next)"

What alternative do you propose? To make payment dates irrelevant? Your complaint is as baseless as it is stupid.

Comment will be removed: Please be respectful of other members

The complaint should be removed, but it won't because this site is a joke board that isn't taken seriously.

But then you'd have nothing to complain about.

"But then you'd have nothing to complain about."

Point taken.