My credit went from 794 to 642, in feb of 2010.Bank of america (bac home loan) put a remark on my credit saying (paying under a home modified payment). This is not true i make the full 2470.73 payment on time every month and have not been late.I have cantacted b of a 24 times, they say there are no negative remarks on my credit report.Well my own bank will not give me a loan at the best rate.B of a sucks and i hope to never do bussines with them.I am trying to sell my home to get away from them.No body in that company knows what to do or how resolve this problem.I go to the local branch on 7th street in grants pass, oregon.EVERY ONE THERE IS JUST DRAWING A CHECK (LOST)

Hopefully everyone will read this and take it into consideration. Bank of America has set up there rules and policies to rip off the common consumer. There policy basically states that they can chose to cash a check anytime (even if its post dated or past 6 months). they can then charge you an overdraft fee or whatever fees may arise because of the early or late cashing of the check. There resolution to the problem is that you can put a stop payment on the check, which is obviously at a cost. See for yourself. bank of america.com, search deposit agreement and disclosure select number 4. click deposit agreement and disclosure. go to number 13-K. read the section regarding stale dated and post dated checks.
https://www3.bankofamerica.com/deposits/odao/popup/disclosure_popup.cfm?template=dad&RequestTimeout=300#13k

Just like everyone else, Bank of America is inconsiderate and doesn't own up to its own mistakes. My fees were much less than most people, but it's the principle of the things that really gets me.

I was signed up for automatic payments on 2 credit cards for six months, and suddenly for some inexplicable reason, the payments didn't go through this month. I didn't find out until two weeks after they were due because I was so busy with everything else. I called and the woman *said* she fixed it--had me pay this month AND next month's payments on both cards (ouch), as well as removed the late fees. Alright, fine. But of course a few days later I check my account and the late fees were never removed. So I emailed BOA and whoever responded thankfully removed the two $40 charges (I hardly make any money with my job, so 80 bucks is a lot). He said to "Please remember that this adjustment is a courtesy, and may not be waived in the future." So I emailed them back to make a point—that it was NOT my fault and the fees were NOT applied correctly. I said they should not penalize customers for relying on a service that they provide and promote. He responded with, “We understand your concern. Please note that our system shows that the late payment fee was correctly assessed and because of your great history we remove it as a courtesy. Allow us to inform you that we use the word courtesy since the fee was applied correctly. We appreciate your understanding in this matter.” The two emails were responded by two different people, naturally.

How as the fee applied correctly when I had automatic payments? That's BOA's responsibility, not mine. And they should have informed me that my payments did not go through if they can see I have signed up for automatic payments. I’ve never been late or skipped a payment before in the years I’ve been using a credit card. When I pay off these cards, I’ll do my best to never use them if I can help it, or switch to a different bank.

Bank of America seems to be delaying a decision on our modification. Over the 3 month trial basis I have repeatly had to send and resend information that they did not have although I had already sent it to them. I checked up with them constantly to see where the loan was and was always shocked to find things missing. Finally it was sent for processing and shortly there after we were denied for missing information! I called immediately and was told it was reopened! I am disabled and raising my 3 grandchildren, I have lived in this home for almost 25 years now and can afford to pay this if the mortgage rate of interest would be dropped to a fair rate. I am sick over this and feel BAC is not committed to working with their customers. There are too many paper pushers involved and not enough people involved to make the right decisions. I certainly hope this has a positive end for me.

My husband and I had a house fire in September 2009. We settled with the insurance company early January of 2010. We contacted B of As property claims division well before receiving our check to walk step by step the procedures for requesting draws to rebuild our house. It is now mid February and because of some misinformation on the part of the bank, we are still waiting for our first draw check. Whenever I call I have to re explain our situation, I get wrong information and the process continues to be delayed. When I asked to have someone follow up on one of the issues that needed to be dealt with, I was told, "We do not make outbound calls." Their process for working with people who have experienced trauma is inadequate and simply, cruel. We were forwarned of Bank of America 's horrible customer service and follow through. As an ex banker, I would never have believed it if I was not experiencing it myself.