Bank of America offers loan modification for those who are in need of help.
However I believe they are discriminating against my neighborhood, since it is a low income black community they refuse to help us. My mortgage was originally with
Country Wide and since BAC took it over they have claimed we never paid our mortgage; confusing to my husband & I. We have documentation and it gets better
we were told that we do not have any income and do not forsee our financial situation getting better! My husband works 2 fulltime jobs our monthly gross income is 5000.
BAC refuses to return any call put a sale date on our home without any notices claims they tried to call us but the phone numbers given were not working. Ms Kathleen Nygaard whom I have called several times but goes directly in to voice mail does not return any of my calls, I have recieved a letter from her that states nothing but lies.
I am not sure what to do at this point, I am waiting to go to court but have not recieved any court dates as of yet, we can pay our mortgage and they are refusing to work with
us. What are we to do with a family of 6 where do we live? we are looking into a lawyer. Not only that the mortgage we were paying was used to pay for BAC legal fees.
I wish there was someone out in this big world who can help us keep our home. As far as I see it BAC is full of shit and treat minorities like crap, I am sorry I am not white!
and trying to own a piece of the so called AMERICAN DREAM! MAYBE IF MY NAME WAS NYGARRD OR PITTSINGER I WOULD GET MORE RESPECT!

My house has been in foreclosure for 2 years now and I just want it to be done already, bank of america keeps sending me papers saying it is going to auction, but it never does, I moved out 8 months ago, and am being sued by the HOA for not paying dues and all kinds of other things, not to mention the 2 years of late payments that go on my credit. I wish they would get their crap together and take the house already. I tried a modification, a short sale, and multiple other things to keep the house and that didn't work, now I just don't get why they are taking so long to take the house, I am tired of wondering and waiting, I could be rebuilding my credit already. What can I do to get them to get it done?

my name is michelle and i live in los angeles. i have been appling for a loan modification with Bank of America since november 2009 with the help of NACA and Operation Hope. At this time was also the merger of bank of america and countrywide in which my original loan was with. unaware that Bank of America had sold my loan to a private investor/bank called The Bank of New York Mellon i continue to asked/apply for loan modification. ater 17 months of none payment which they told me to stop paying in order to get approval i finally found out in January 2011 that there was NO way that bank of america could have given me a loan modification under and Making Home Affordable program or any home affordable program because they sold my loan and they were no longer the lien holder and that bank of america was only a sevicer and The Bank of New York Mellon who has been holding my loan does not participate in any government loan modification program or any modification program. bank of america always knew and was very aware that no matter what i would do i would never be helped or qualified for any loan through bank of america. bank of america knew since 2009 that my loan had been sold to a private investor but continue to string me along with all the letters of "we can help you". if this is not one of those bank scams!...i am still fighting and will continue...if anyone knows any resolution or can help me or any pending lawsuits that i can join please contact me at the above email...any other bank of america clients PLEASE check and see who own your loan...

I am a small business customer in Philadelphia, PA. I have been in business and banking with you for a year now. I opened my account in January 2010. I have taken advantage of a lot your services including 2 checking accounts and merchant services. Last year I have had a lot of problems with over-draft fees. At the time you did not offer overdraft protection between checking accounts. I could not afford a savings account at the time and I have paid about $1000 in fees to you last year. I’m not complaining about that because that was last year I just hope this year is better for me. But it gets very frustrating when you are a struggling business owner trying to make it in the economy.

i want 2 address a situation that I have incurred in your Philadelphia Branch on 10th & chestnut st on January 20, 2011. Around 11:30am I walked into the branch in hopes of finding a resolution to the $175 in over draft fees I was being charged for. I was helped by the branch manager, well at least I thought I would be helped. I went to him with my problems and he immediately shut me down with “I’m sorry but its nothing I can do”. I asked him about one fee of $35 that came out that day because it was funds available in my account, he could not explain why I was being charged again. The conversation went back & forth for a minute or two before I asked to speak with a manager. He then told me that he was the manager. Not once did he introduce himself to me- the whole time we spoke I thought he was just a customer service rep. I then asked to speak to another manager or maybe a supervisor, because I feel like its always something that can be done and I felt that I had a valid argument.

He then ended up giving me a number for a woman named Claudia Dulac. I called the number in his presence and the number was a automated machine. I then asked for a number or a email or address that I can contact her at. He then left and came back with a number and proceeded to call her in the room and place the call on speakerphone. He never closed the door and everyone seated in the waiting area heard my whole conversation! As I spoke to Claudia she was not really listening to me as if she really didn’t even care for the phone call. As I was trying to explain what my problem was she just kept saying that it was my fault, and she’s making the final decision to do nothing for me. I asked her who do I talk to if I wanted to put in a complaint or is it a district manager that I can talk to after her. She then said “No, I will not give you any information, someone will call you”. the Manager took the call off speaker said some things to her and they hung up. He told me that I had to leave because they were not going to help me or give me any information.

I know my business is small and I may not be one your million dollar customers but I’m still “A” customer! I asked him (manager) for Claudia’s information, he told me he would not give it to me, after some back & forth I called the Bank of America 1-800# in his presence because I figured they would assist me better with filing a complaint. As I’m on the phone, he started to call the POLICE! He called someone on his cell phone and then the Philadelphia police on me because I wanted a phone number and contact information of somebody that would be willing to help me. The woman from the 800# was on the phone with me and heard everything! It was the most embarrassing situation I’ve ever experienced in my life! Mind you the whole time the door is open and the whole lobby is watching me like a show! As I’m explaining the situation to the #800 rep. he tried to write down a name & number for me, as the police are there waiting. I told him I was going to close my account he showed No interest at all in keeping me as a customer. I asked him who was supposed to be calling me back and he said “ I don’t know, maybe someone from customer service or customer resolution”. well I said how are they going to contact me? Not once did he ask me for any of my contact information. Which leads me to believe that no one was ever going to call me back.

I was embarrassed and humiliated. The woman at the call center heard the conversation and understood my reasons for being upset. She helped me so much she explained to me that I was eligible for overdraft protection set me up with a new account and refunded those fees. I was very grateful. At that point I didn’t even care about the fees anymore, I just wanted to file a complaint but honestly if it wasn’t for the woman Kristen from the Montana call center I would have closed my account.

Bottom line I have never been more embarrassed in my life. What did I do that I would make him feel that threatened that he needed to call the Police on me! I’m a young black female and I was alone. I have never been treated like that from ANYBODY! I am 30 years old and never have I ever had any legal issues. I never threatened anybody or had anything that could harm anybody. Did I get the police called on me because I was black? Or is this is how you treat your customers because they want to file a complaint? I thought as a customer if I wanted contact information on someone such as a manager I was able to get it? I’m hurt and confused. And I would never go into that branch again let alone downtown to do my banking, because of that humiliation. Before I left I was able to get the manager’s name that put me thru this drama, it is…

Raja Tazeem
Banking Center Manager I
10th & Chestnut Banking Center

I hope no one else would have to experience this kind of treatment…

I recently moved to Texas, and since my trusted bank (where I keep my REAL money) doesn't operate here, I decided to open up a Bank of America checking account for petty cash - even though I had heard terrible things about them - because their ATMs were so ubiquitous. I figured I would try them for a few months and see how it went. During the "interview" they asked me about my income and where I worked - I asked why, and they said it was for direct deposit purposes. I told them I didn't want to do direct deposit yet, and they said that was OK. Things went fine for about 2 months - I deposited a few small checks (approx. $200 each) and got cash a couple times, but never even came close to overdrawing the account. Then I decided to up the ante and deposit a payroll check I had received for consulting work - $950. It went through fine. Then, the next day, BOA withdraws $850 from my account because "The deposit is higher than your usual deposit" - WHAT?!?! Since when is that a BAD thing?!?! They held it for SIX DAYS - essentially forcing me to give them an interest-free loan...something they'd never do for me, of course. I'm pulling my money out tomorrow. They're a bunch of usurers.