We submitted our application for a loan modification with Bank of America on September 9th of 2010. This was after an initial rejection the previous summer and a subsequent call suggesting we apply again. Now, after seven months of dickering and constantly asking for more and more information we have been told that our request has been denied and that our hardship was not severe enough. Given that I went from a nearly six figure income in 2009, to $10K in 2010 as an under employed salesperson, I am at a loss to understand what then constitutes a hardship? We are living off our savings and the income of my invalid mother who I care for in our home 24/7. I left my last employer after they slashed my pay and had to bring my mother into my home to care for her as I could no longer pay to have her cared for at an assisted living facility. I do not collect unemployment nor any other financial assistance to help care for my mother. I refuse to place her in a nursing home as the quality of care in such facilities here in Georgia is, on the average, substandard. I promised her I would care for her as long as I am able. We are barely getting by and it is only by withdrawing money from our 401K that we have managed to survive this last year and a half. But at this point our savings are almost gone and yet we are being told our hardship is not severe enough. I only wish we had the same opportunities the banks had when they applied for their bailout money back in 2008. They filled out a two page request form and simply had to ask how much they wanted. At this point I am not sure what we can do. If I could refinance it would probably help, but with my current income situation, and the size of my mortgage, no financial institution in their right mind would consider me regardless of how current we are on all our bills. We have not had a late payment in many years but that could easily change here once our savings are gone. I am just frustrated and to put it mildly, annoyed at a system that favors the rich at the expense of everyone else.

Discrimination report that happened
The bank of America
In Kirkland WA.
Antonio r filho
9415 ne 40th st
Yarrow point WA 98004
(425)216-3569
(425)214-2996 [email protected]

On May 15th 2009 I went to the bank of America in Kirkland WA to deposit my check of
1054.29 which I do weekly after I get my pay check. That Friday I went to the drive through
And talked to this lady called DONNA and she greeted me and after receiving my check she
Said that, because of the new policy she would put a hold on my check for 5 day because
My check was not a bank of America check. I was confused because I never had this kind
Of problem and a week before my wife had deposited the same amount and the same
US BANK kind of checks and had no problem. I told her that I would want the whole amount
Available right away and she repeated “NO YOU CAN’T “. Then I said I want to see the manager.
I went inside to see the manager and He told me the same thing. That I could not cash that
Check and that they would put a hold for 5 days on my check.
I went my way but I called the customer service of bank of America, and they told me that they
Never her that the bank was putting a hold on checks that were not from bank of America and
That I should go to any other bank and they should be able to help me. I went another bank of
America and they said that this is not a policy that BANK OF AMERICA adopts.
At that point I noticed that I just had been a victim of racial PROFILING and I had an idea.
My wife was home with my son and I called her and asked her to help me to deposit and cash
Some money. The only difference is that SHE IS WHITE and I thought that was the issue my
Skin called and probably the fact the I’m DARK SKIN MALE.
She came with me to the same Bank in Kirkland and went in the bank
With the same check BUT THIS TIME THEY DEPOSIT AND GAVE HER 375 CASH BACK.
There was never a question or about the check and it was the same Check that I tried
To deposit 55 minutes before. I talked to the manager and he got very defensive but
Never apologized to me and my Family.


I would like for someone to help me to get this story on the media either local
Or Nacional of HOW BANK OF AMERICA AFTER TAKING A BAILOUT FROM US
IS TREATING THE AMERICAN PEOLPLE. I do pay my taxes and I am an American citizen.


Thank you.

Discrimination claim against Bank of America.


On January 5th 2011, I Antonio R Filho went to bank
Of America on 10555 NE 8th ST, Bellevue WA 98004.
I drove to the window of the building to make a deposit of
Payroll check in to my checking account. The teller advised
Me that my check would be on hold for 2 days before I could
Receive any funds into my account. I said that I would like to
Talk to the manager and she asked me to come inside the building.
Once I got inside the building I was helped by this lady called Gloria (Manager of that branch). She redirected me to
To talk to Mr. Brian S. Jones ( Senior Vice president).
He told me that my check of 1054.29 was too much money
And that check WOULD NOT HAVE IMEDIAT FUNDS AVAILIBLE TO ME THAT DAY. I tried to understand the
Problem but because this happened twice before with me I new that it was because of my SKIN COLLOR That he was
Not going to release the funds. I asked him to check my
Account history on that check for the fact that it was a PAYROLL CHECK that was deposited every week but
He asked me to go to another BANK.
I went home and asked my wife to come with the SAME CHECK and deposit it into our account. SHE HAD NO PROBLEM WHAT SO EVER WITH THE CHECK.
They gave her immediate funds to her but 2 hours before they
Said no to me.
This happened to me 3 times now and I’m tired
Of being discriminated by this bank. I am an American
And it does not matter if I’m not white and my wife is,
I still want immediate funds when I go to a back if that
Bank offers that to there customers.


Please help me to stop this from happening to anyone
Who might try to go to that bank or any other bank that
May be practicing this kind of discrimination.


Thank you.
Antonio r filho
9415 ne 40th st
Bellevue WA 98004

First time I have ever posted a complaint, but I have been pushed too far by BOA. I just opened a new business, employing 15 people. Doing my part to help the economy. 90% of my sales are credit or debit cards. BOA will hold my credit card deposits for 2-3 days, waiting for a bunch of checks to come thru. They then post the checks and the very next posting will be my credit card deposits. This enables BOA to charge me $35 on each item. Not only do they hit me with an NSF fee, but they return the checks causing me to pay the vendors a $25 return fee. So, I am spending $60 per check in fees to bank at BOA. I never write a check thst I know the previous days credit card sales can not cover. Again, BOA will hold my deposits for 2-3 days so they can nail me with fees. This has to be illegal and something needs to be done to stop them. I live in an area of less than 1000 people and I have found over a dozen of local businesses that are having the same experience I am. This should qualify as a class action suit. Banks like this pushed this country to the brink of a collapse, had to be bailed out by us, the tax payer, and how do they say thanks? They sit up at night finding new ways to screw the very same taxpayer. Somebody, PLEASE start an effort to start a class action suit and get congress to launch an investigation.

my sick and elderly neighbors tried for a loan midification on their home for over a year. as of two days from now they will be thrown out of their home with all their belongings. boa strung them along for over a year, telling them they need more info, they are working on the loan, etc. they were told not to make house payments or they would not qualify. as of 3 days ago, their home was sold at auction. he is 75 years old with congestive heart disease and copd. she suffers with ms. how can this happen in this country? my heart is breaking for them and the scariest thing is that this could happen to any one of us. when will our government wake up and do something to stop this bloodletting by these banks?