For those with issues with Bank of America. When I had issues with my recently re-financed mortgage with them, one of their alleged "customer service" people gave me some erroneous, made up info. It had to do with my location's tax bills. Anyway, the person at the state's office told me that the Office of the Controller of the Currency oversees banking activities at national banks. Here is their website:

http://www.helpwithmybank.gov/

This is a division of the US Treasury. I sent in a complaint, but was able to resolve my problem with B of A directly. They have a status check link as well. My problem, filed back on 9/8/09, is still being "investigated" per the website. However, it's a way to get your complaints to someone that might be able to help. Also, they have information on the above link regarding any regulations or rules that have to do with banking or credit cards issued by a national bank, which B of A is.

Good luck.

had a checking account with Bank of America and closed my account they left it open for six months allowed someone to do a change of adresss then asked me to mail them a copy of my license and social security card after i reported fraud they put me in check systems didnt bother to investigate my claim I have always had a good checking account history I see why they needed a goverment bail out and dont trust that keep the change program they take a penny from millions of people every month what a scam

I have my existing home loan with Bank of America. In July I contacted them about a refinance. We agreed to the terms and the process went forward. They have all the documents and the appraisals is complete. They told me that the loan could take 90 to 120 days to complete. I'm past the 90 days and no one will return a call. I have called the loan processor repeatedly, her boss repeatedly and her boss repeatedly. Not one call back!! I have no idea if this loan is moving forward or not. I'm out the appraisal fee and loan application fee. Of course, banks do not honor an appraisal from another bank. No honor amongst thieves, I guess. Now, I'm stuck with no refinance and a needless hit on my credit score that lowers my chances of getting another bank to refinance my high mortgage rate.

I have had several Bank of America Credit Cards for years and have never been late on a payment. Two of the cards were at a $0 balance, and Bank of America cancelled them. When I contacted them, the young man was beyond rude. He kept telling me that I owed too much money, and they were only keeping me from getting further in debt. This company knows absolutely nothing about my assets, yet they are "helping" me by cancelling my cards. This move will probably hurt my credit score, because your score is based on debt vs available credit.

I contacted Bank of America in good faith to advise them of a fraud email, I was talked into applying for rewards card. By doing this I had to agree to a Hard Credit Check, this gave BOA authorization to check my credit. This is a set up deal so they can get a complete review of your credit report and your personal information. I advised them that my Experian report and the other 2 agencies had mixed my deceased father's accounts, he died 11 years ago, in with my name and SS#. While they knew the credit information was incorrect, they canceled One 10, 000 card, deducted a credit line from $31, 000 to $16, 000 and canceled a 27k line of credit from accounts. This of course is going to have a major impact on my credit score and will raise my interest rates. While talking to this dirt ball credit consultant, I could tell he was not looking at my credit report. He indicated I was too far in dept, 25% as the credit agency says is perfect. He also said I had too many revolving accounts, the Experian credit agency reports I have 65 open accounts in good standing, the reality is 26 of the 65 have been closed and 39 are active and more are to be removed do to the identity mix up. So, do not agree to let BOA look at your credit if you have a card or cards with them, keep them away from your Hard Credit Check, then at the same time they took my mothers credit card and canceled it as they felt we were in financial trouble, I make 125K a year, clear and own 3 small companies, they say I did not make enough money for my debt, 44K, my monthly payments are only $1, 300.00 a month. I charge on most cards and then when I get the statement I pay it off, I feel since I pay it off and they do not make money off interest they feel they think they are not making enough money off me. So watch out, next they will be doing as Chase going from a 1.5 billing of your total amount due to 5%. I have a 16k balance transfer done last month, they are trying to expedite payment just two weeks after transaction, and they are also wanting to know why I did not use my own 16K, it simple, if I can use their money at a 1% APR for 6 months why would I want to use my money. I used my money for a new marketing program so it was not spent in a playful way, it was business. STAY AWAY FROM BANK OF AMERICA