Bank of America sold (?) our mortgage to BAC. Soon thereafter received a letter stating that we had to have flood insurance or secure a Letter of Map Amendment (LOMA) from FEMA.

Long story short, after jumping thru all of FEMA's hoops and many dollars later, we received certified LOMA and sent it to BAC flood dispute dept. in early April. The only phone number provided was to insurance dept. which I have called frequently. The Loan Dispute Dept. has NO telephone or email. Thus they cannot be contacted. Supervisors in insurance dept. DO NOT accept incoming calls. The representative have to email supervisors to request they call the consumer. The supervisors DO NOT CALL. There is no website for BAC!! One must wonder if this a legitimate company. And, further, when you call the insurance dept. number, the recorded voice simply says 'thank you for calling insurance dept'...no mention of BAC!!!

My family was set up great we had no credit card debt and had bought a house and made higher payments to them then what was due. In 2007 my nephew was living with us and broke his ankle "he was under age, had no insurance and his parents would not sign papers so we could put him on ours" a couple months after that my 10 month old son was taken by flight for life. Then I had a surgery that led to many more hospital stays and a lot more sickness. All of a sudden we were in major credit card debt and completely broke. Gas at the time was $5 and $6 a gallon and the hospitals are all over 100 miles away. We fell behind when all the bills caught up with us come Aug of 09 I called Bank of America and they suggested a loan modification. So after all the paperwork and the hardship letter was sent I received a letter stating that it would be settled in 30 to 45 days. Come Dec my home was up for foreclosure and when I called them they put an extension on it and kept doing so. When I spoke to there customer service people "I called them every week and sometimes more then that. I was told to make payments to them and it would look better and help the modification go through so I sent in my first payment on Dec 1 2009, they sent my check back attached to a piece of paper stating that it is below the amount due so they would not accept my payment, I called them and the girl on the line says to me No don’t make payments. Sooooo I stopped then in March of 2010 I receive final loan modification papers, sign them, and send them in, along with a certified check as stated in the letter. Today I received the check back with the letters stamped on it, so again I called and was told I don’t know the girl said to me that they did not know where the money was supposed to go, and she left a message to RACHEAL THOMAS my processer who has never returned a call, e-mail from me my modification company that i hired to help me or to Mrs. Farmer from my senators office. I hate the fact that I paid to bail them out and when I need them they are no help and full of excuses I found out that my home is still in foreclosure and I may lose it because some bureaucrats are sitting on there thumbs. I am not a bad person; I have never had a late payment to them EVER until all this stuff happened. I am trying soooo hard to keep my home and am getting sick because of the stress. The biggest excuse they always tell me is that they have to many people trying to get a modification at this time, my solution HIGHER MORE PEOPLE

Bank of America reduced my credit lines to $5K from $55K even though I called them to straighten out a mistake made in a balance transfer from another bank and they said they would restore the credit line.

Banks measure credit line by using amount of available vs. outstanding credit. Now we will have a never ending cycle of credit card limit deductions, each justified by the previous one.

I spent an hour with the bank explaining it the first time. They agreed to correct it, and now it is 10x worse than before.

Unless they resolve this satisfactorily, I will never do banking with Bank of America again.

Where do these banking policies come from? Bank of America is taking advantage practicing 'back door habit's on a gross level. Recently my husband and I closed our bank account (checking) after waiting for all check's to clear. Two check's had not cleared and were written by us approximately six month's prior to closing our account. We could not locate the payee as he was a helper that came along with a contractor to do some work on our home. We thought maybe the check was lost or misplaced by the helper. The other check had been written to purchase something over the internet and also had not been cashed. So now we would have expected that the payees would probably come directly to us for payment. Low and behold, these check's were both cashed by Bank of America after we closed the account. Those check's were not legally supposed to be honored after all our account number no longer existed as active. Account Closed should have been stamped on each check and returned to the two payees. They not only sent us a statement that appeared to be business on an existing account with a negative account balance of almost a thousand dollar's and overdraft fees as well. After going to the bank and not getting any answer's we decided to not deposit the funds to bring the account to a zero balance. But to go to corporate, still nobody could give us answer's. They have reported my husband and I to Check Systems a company who report's you as an undesirable customer and for 5 year's keep's you on a list that all bank's check as you apply for a checking or saving's account. Thus, we can longer obtain a bank account for five year's. Thanks to you Bank of America you have deprived us the ability to operate our live's financiallyin the normal way. We hope to see your incompetent organization charged with mis-conduct, fined, repay all cheated customers identified by a grand audit and finally, closed. That's what you deserve.

On Nov. 2, 2009 our home caught fire. our insurance company was very fast in getting our check for the damages done to our house. since we still pay a mortgage we had to send to check to bank of america so they could endorse the check as well. we called for a week straight to find out what needed to be done. we talked to a different person everytime and got a different story everytime. their employees from there floor supervisors to the little people are rude and inconsiderate. they are morons. Bank of america is refusing to release our check that in all legal rights belong to me and my husband. they want us to pay out of pocket for the repairs. i think they owners need to get off their butts and either train their people better or hire some body different. all you get when you deal with bank of america is the run around and a different story everytime.