In Nov of 2009, I started the Home Affordable Modification trial period and was told by a BAC rep "Do not make the November mortgage payment and in 3 months I would get a packet in the mail." During the next three months I called in from time to time to check on the status and to see if anything else was needed on my behalf and was given the same answer every time 'WAIT FOR THE PACKET IN THE MAIL." I should have received my packet in January and I did not. I called to see what was going on and still could not get any pertinent information, but yet again, "wait for the packet in the mail." I did not receive this packet until about March 13th 2010 requesting needed information that also stated I return the packet by Nov. 1, 2009. Based on BAC files and dates given in letters, I was late before I even received any notice. I called to find out about the date discrepancy and was told it was ok. I then submitted the requested information. Once again waiting and being told to wait for packet in mail. Now it's May 1, 2010 and I get another letter asking for additional information and telling me I have till May 30th 2010 to respond. Ok, now I finally got a time line that is correct and thought things were on the right track...NO. After looking into what was requested of me and determining none of it applied to me, I then called on May 10, 2010 to find out what I was supposed to do and was told to fax or Fed-ex letter stating that none of what was requested pertained to me and the supporting facts. When I get home that night I find a new package, mind you only 8 days after I received the last additional request that was due by May 30th, telling me that do to not providing BAC with the documents requested my request was incomplete. Are you kidding me, I have gone out of my way to ensure BAC had everything they needed in a timely fashion. Yet BAC can not get there dates correct and its apparently my fault! I faxed the Letter the next day (5/11/10) also asking that I be contacted by someone who knows whats going on and actually has a clue! It is now May 17th 2010 and I have yet to get any answers as to what is going on and still no phone call. BAC is setting me up for failure and I am not going to stand here and let it continue!

So I have overdraft protection set up such that if I overdraft on my checking account it automatically takes money from my BOA credit card.

When an overdraft occurs, not only do they take service charges on both the checking account and the credit card account, take interest on the amount transferred from the credit card as a cash advance, but get this, the service charge on the card is NOT flat, it's 3 or 4% (the account person Marcus and the supervisor Shaunda couldn't seem to be consistent on the issue). What a serious rip off.

I'll be seriously considering moving all my business to another bank.

they are garnishing my check after 7 years, i thought there was a limit on this?

Hi- We're like every working family in America trying to acquire Home Modification Loan from Bank of America. How many of you have tried to get your home loan modified only to be taken for a "ride" through different departments? We have been trying to get this done over the past 14 months only to be given the same excuses over and over again. As well, you're not even talking to someone from America. What the hell is wrong with Bank of America? I am sure other banking institutions and lending institutions from around the country are doing the same thing to innocent, hard working, honest Americans who just want to make sure they take advantage of "All programs" afforded to them. Is that too much to ask for? Tell me if this is something that all of you have gone through:

Filled out paperwork 3 times faxed over a copy and sent over 2 hard copies just to be told that particular department doesn't have your paperwork?
Your given a packet that tells you to return the signed copies and an answer will come in 10 business days, but it has been 3 months waiting for an answer!!!
Where and When does the american people have the right to say to big name corporation, enough already and get your "S" together. We have done everything that Bank of America has asked us to do, but no answers to our home modification loan has come. What can be done?? Any answers appreciated.

i did not authorize this to be taken out of my checking accout ive cancelled the membership with the customer service and the told me to file for my refund on this site and it would e credited back to my account asap. The amount was $35.00