I had a savings account for years and was never notified that it had to have a 300 balance or it would be closed...I am just starting school and I needed to have my mom from another city put in a hundred dollars for me. When I went to bank to retrieve it, I was told my account was closed and the only way to get the money she had put in was to open a checking account!!! I spent hour and a half with this women who opened my account and did not say a word about any kind of balance cause after all it was a NEW ACCOUNT and how could there be a balance? Well they found a negative balance for me, but not until the money was deposited, and it was 1,770,652.00 where they pulled that out of I guess I will never know but there it was? And my moms money was gone!! So now I called the account closure dept. that they told me to call..And she says oh okay we will give you your money back just wait til almost closing time and come and get it!! Well so I drive down there again and they tell me that it just so happens that it costs 60.00 to close the account they made me open!! And then there was suddenly another 40.00 in fees? and that added up to me getting 0.00!!! What the hell kind of bullshit is this? It was completely scandolous from start to finish...They have so much money but they find a clever way to steal every cent of my measly 100.00???Who ever heard of a 60.00 closing fee? And where and what was the 40.00 fee for? And how do you open an account with no money? And how does a trained employee who opens accounts not notice for an hour and a half while she is opening the frigging account, not notice a negative 1,770,652.00 and tell me??? And if I had really owed them that money how come I never received a single notice in the mail?? All these questions just go through my mind with no answer but SCAM SCAM RIPOFF!! Why did the president save these corrupt scandolous liars?? Should have let them all fail they have no business being in business!!!
Bank of America N.A. is attempting to take possession on my property in Alice, Texas 78332. The bank has not proven that it owns the note or even has the authority to enforce such demands as a petition of a forcible detainer. The home is rightfully owned by Mr. Rodriguez for approximately the last 14 years Mr. Rodriguez has been on Deed of Trust recorded in public records in Jim Wells County. I dont have to prove ownership of my own property. The authority to act on the note by showing all endorsements in the chain of title from beginning to the end of the note that secure the loan, its Bank of America responsibility to show it authority to act on the note.
I, Mr. Rodriguez, on October 21th of 1998, signed a Deed of Trust and a Promissory note that secure the loans for Alice, Texas 78332 with Countrywide Home Loan, Inc. I have paid my mortgage monthly and on time until April 2011.
A lady reprehensive from Bank of America told me that Bank of America never owned or had a Deed of Trust or the Promissory note that secure the loan and advised me to hire an attorney to request the documents from the Bank to prove ownership of the Promissory Note. I stopped all payments at that time and demanded Bank of America to show me that they were in fact the owner to the Promissory Note that allowed the bank to collect on the Note.
When I stopped all payment my balance was $13,148.86 on a $60,000 Promissory Note. I have offered to pay off the balance $13,148.86 to Bank of America, only if they were willing to present me the promissory Note that secured the loan with all endorsements in the chain of title, but they still refused. The only common answer to all this is that Bank of America doesnt have the documents to prove ownership of the Note or they want to keep the concealment of the Note and take possession of the property.
I hired an attorney from Corpus Christi by the name of Lamar G. Clemsons from ENGLISH & CLEMONS, L.L.P. on November 9, 2011. He requested Bank of America to prove ownership of the Promissory Note and Deed of Trust with all endorsements in the chain of title from beginning to the end of the note that secure the loan.
On January 17, 2012, I Mr. Rodriguez wrote a complaint letter called the qualified written request to Bank of America, an official letter provided by the Real Estate Statement Procedures Act (RESPA). I understand that under Section 6 of RESPA the Bank of America is required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. Bank of America never responded to the qualified written request.
Bank of America has repeatedly refused to provide such documents proving that they are in fact the holder in due course of the Promissory Note that secure the Deed of Trust. Bank of America has been concealing, defrauding, wrongful fore- closuring, slandering to title, and has intentional infliction of emotional distress and not only defamation but libel.
Bank of America created all this torture upon my family and me from one lie, because there were no documents to prove ownership to my property. Over $13,000 my family had to experienced hardship by giving up their happiness and wellbeing and security. Unbelievable but it is true how selfish one has become.
Bank of America N.A. foreclosed on another property belonging to me and my family. Its a homestead home located at Pflugerville, Texas 78660. Homestead loans have proper procedures in place that have to be executed and verified by the property owner who has possession of the property in dispute before a foreclosure can proceed legally. For the example this is one of procedures in place - Helping Families Save Their Homes Act of 2009 (the 2009 Act) amended the Truth in Lending Act to require that borrowers be notified whenever ownership of their mortgage loan is transferred. The new owner or assignee must notify the borrower in writing, within thirty days after the loan sold orassigned, of its identity, address, telephone number, and the date of transfer and location where the transfer is recorded. In addition, the new owner must disclose how the borrower may reach an agent or party with authority to act on behalf of the new owner, and any other relevant information.
Bank of America and all the attorney from Law Firm Barrett Daffin Frappier Turner & Engel, L.L.P, have intentional created fraud by deception and now they are trying to take possession of our personal property without showing authorization to enforce on the Promissory Note this is causing enormous amount of emotional distress on the owner and family.
Bank of America, Recontrust Company N.A. and the attorneys from Law Firm Barrett Daffin Frappier Turner & Engel,L.L.P are committing theft by deception, wire fraud, impersonating a public servant and are in violation of the RICO act 1974. These are four felonies among other violations and fines that may apply to this senseless, selfishness, greediness organizes crimes made by certain individuals in these organizations with the abuses of their authority.
I will fight for my rights as a home owner and as a father, I have to defend my family and myself, they leave me no choice. I have terminated my contract with my attorney and now I am going Pro Se, so there can be some kind of fairness in the courts, there will be no more immunity among the court systems in my trails. I promise my God, I will start cleaning house one at a time with the power of my lord Jesus Christi who strength me. I fight back with all my might and power until they stop all this harassment and torture to my family and me. I will give the power to the people not to the courts to make judgments on all my complaints. Our courts cant protect us anymore, how sad that has become, we cant depend on the one thing that the court were made for and that is the protection of the people to keep peace in society.
On September 21, 2012 Bank of America N.A. (Plaintiff) represented by attorney Tasha James - State Bar No. 24055729, with the Law Firm Barrett Daffin Frappier Turner &Engel, L.L.P. 15000 Surveyor Boulevard,Suite 100 Addison, Texas 75001., filed an Original Petition for Forcible Detainer with Cause No.015311. Hearingwas set for September 28th 2012 at 10:00 a.m. The Law Firm of Barrett, Daffin, Frappier, Turner & Engel, L.L.P. filed the case in JP Court on purpose. They, being lawyers, know that a Justice of the Peace cannot rule on matters involving monetary values beyond $10,000.
In the State of Texas, Real Estate states laws that pertain to a foreclosure procedures for example the owner of the note is theonly one that can enforce the note for a legal foreclosure to be executed.
On Friday September 28th right before the court hearing, a man approach my wife and I, and he announced himself as William Larew the lawyer for the Plaintiff, Bank of America N.A. William Larew said he was sent by the Law Firm Barrett Daffin Frappier Turner & Engel, L.L.P. 15000 Surveyor Boulevard, Suite 100 Addison, Texas 75001.
J.P.Judge walked-in to the court room and everyone introduced themselves. I asked William Larew for his Lawyer License with the State Bar No. He wouldnt give me an answer he kept looking down in a strange way.
The J.P. Judge answered for the attorney William Larew and said that he knew him and he was good to go and let get on with the trial. J.P. Judge willfully committed fraud for allowing Mr. Larew to pretend he was a lawyer and to practice law in his court. J.P. Judge knowingly broke the law and allowed a misrepresentation before the peoples court. Not only my civil rights were violated, but my privacy of financial obligation was violated. J.P. Judge made me answer some questions from Mr. Larew that had a lot of my private financial information .Mr. Larew has my personal file from Bank of America and Tasha James which only my attorney had in possession.
(Defendant) Joe Oscar Rodriguez filed a motion to dismiss a petition for forcible detainer. The Judge wouldnt even read my motion to dismiss, or let me read any laws that pertain to a foreclosure procedures for example the owner of the note is the only one that can enforce the note for a legal foreclosure to be executed.
J.P. Judge would ignore me and was disrespectful to my wife and me as a Pro Se, so I spoke out and said to the Judge, that he was denying me my Due process in violation of my fourth Amendment (civil rights) and he threatened to put me in jail for getting out of line. He ruled against me and gave the judgment to Bank of America N.A. without having any documents to prove ownership to the disputed property. The deed of trust and promissory note that secure the loan has to be tangible documents according to the law.
Without letting me to verify Mr. Larews license to practice law, the judge vouched that Mr. Larew was a qualified attorney to practice law. The Judge conspired to a crime at that point. The Judge intentionally violated the laws by stepping outside the scope of his authority. He no longer has absolute immunity because he acted as an individual not as a public servant. J.P. Judge has conspired in a felony in letting Mr. Larew to impersonate a public servant, conspiracy to commit a felony by theft by deception, is in violation of RICO act 1970, and mail and wire fraud.
There is no room in the people courts for this kind of behavior. I am filing criminal charges on all individuals in these organizations who abuse and the misused of their authority in the court system. They are responsible for these senseless, selfishness, greediness, and organized crimes.
Who benefits from these crimes? Where is the justice in all this torture to one family? When will this intentional infliction of emotional distress stop? The courts are the frontline of defense for the elderly, disability, children, and all the other honest citizens. We pray to God for our courts system not to become broken by the corruptions of some individuals that endanger our society.
I have written the facts stated in the statement above in this affidavit. They are true and correct to my knowledge.
I walked in to my local bank branch in Tamerac to close out a HELOC account. The customer service representative Jose Ortiz took over an hour to handle it. Come to find out three weeks later... he never handled it at all.
When I called the bank to complain bitterely about the complete lack of customer service the bank sent police to my house claiming I threatened the people at the tamarac branch (never happened). Then they closed all my accounts. Banking with them has been the worst experience of my life. They closed my Operating, my merchant and my personal checking without warning and honestly without justification. I complained for good reason not made up excuses. They failed to close a HELOC after many many tries to do just that. They can't even service the accounts they have on file. You can never reach a person when you need one... never. When you do they hang up on you if you complain about the treatment you've been getting. They suck. I'm 52 years of age and I've never seen anything so ridiculous in my life.
NEVER BANK WITH BANK OF AMERICA. They are putting themselves out of business with the way they do business.
Recently had a fire in a building that I own. Had mortgage with Bank of America. Fire destroyed one apartment unit in the buidling. Had insurance through State Farm. They paid the insurance claim of $70,000. Bank of America was the co-signer for payment of the destroyed property.
I have already put in $35,000 of my money into rehabing this property and apartment. Bank of America is holding on to the check and has not released the check despite my talking to at least 10 people and going up the chain of command to obtain money or get reinbursed for what I already put out.
I continue to talk to people, but Bank of America has sent me a contract and is acting like it is there money and
is demanding 5 percent of the cost of rehabing the building; so they are not releasing the check and demanding
Bank of America is holding all checks for 3 days. Meaning, they are holding my money and charging my account for overdraft fees! I have lost over $400.00 on fee because of their unethetical procedures.
I have been in a living nightmare for 5 years now. I am disabled with many dibilitating health issue's. I put $140, 000 down on my home, all the money I had to buy a fixer upper. More than half the asking price for my home. I was given a 2 year fixed and was told to call before 2 years were up to refi into a fixed rate. Needless to say I didn't qualify to refinance but they offered a modification with 2 months of no payment. This is how my nightmare began. I have applied for this modification 12 times now (doing the 12th go at it right now.) I keep being told that I didn't qualify because I didn't complete all Docs requested or I was told my file was "dropped" lost and to add insult to injury my file keeps getting mixed up with someone else's. I have never missed a payment. In fact at one point B of A sent me my payment back.I have high blood pressure and other heart and health issue's that have been exaserbated because of what B of A has put me through. My attorney has filed a law suit against B of A because of their unfair lending and predatory lending practices. Has anyone out there actually gotten a "Real" modification with B of A? I dont want to lose my home. I couldn't survive on the streets because I will have no where else to go.
I had a charge from Central Coast Neutraceuticals show up on my bank statement (they have since been fined heavily by the Arizona Attorney General for fraud). I immediately reported this charge to the bank. They told me to send them a statement that "I did not authorize the charge, and my credit card has never been out of my possession", which I did. I received no reply, so after a couple of months, I called the bank and was then informed that I had not filed this statement ON THEIR FORM (which I had never received). They sent me the form, I submitted it and again waited. After receiving no response for another month or two, I called them again, only to be told that they paid the charge, as it had taken too long to process the complaint, and it was now outside their "statute of limitations".
I asked the local branch of Bank of America to replace my debit card because the magnetic strip had worn down through frequent use. The bank officer was polite and said she would take care of it.
My new card came a few days later, along with a $5.00 replacement fee charged to my account. I was not advised there would be a fee. My card was not lost or stolen. It was just worn out.
Now I have a couple of choice. Quit using the debit card so much, which affords me the luxury of not bothering a teller. Continue trying to use a worn out card with defecive magnetic strip. Or change banks.
Ridiculous that I should pay a fee for using my card too much.
Bank of America markets their company to unsuspecting foreigners as ""The Bank of America"". They knowingly deceive the public making us believe that they are the nations bank.
Monday January 6
Like most mornings, I dropped my son off at school and proceeded down Hillsborough Ave to my morning stop for supplies. Gum, iced teas and coffee for the office. The proprietor was on the phone screaming at someone about a money order.
“he was there on Saturday with the money order”
“can you please waive the late fee?”
I had been in real estate long enough to know exactly what was going on.Turns out that the proprietor had done a money order for a customer who was paying his rent late and incurred a $50 late charge because the rent was not there before the grace period Saturday.
This argument continued while I stood in line for the next ten minutes. I was amused, very amused. The Property management company stood their ground. They were there on Saturday collecting everyone else’s money orders. My next thought was Bank of America. Why Bank of America not Chase or Baybank? Don’t mortgage companies give you a fifteen day grace period, well if it’s not fifteen days it’s certainly longer than three. How can scumlords be more aggressive spitting out late fees than Bank of America. The situation was absurd but I had seen it many times before. The store owner made me stand there and listen to his entire conversation. It’s a small neighborhood shop. I go there to try and keep my business local even though he doesn’t have what I need half the time. Inventories low, products differ a little than 7-11 but he’s two blocks from my office so I support when I can.
Of course, every time that Bank of America comes in to my head, I get angry. The greatest fraud ever pulled off in American.
I was surprised to discover the English(1) is the third most common native language in the world behind Chinese and Spanish. I just always assumed it was English. In our country of immigrants English was a second language for me, my father, his father. When an immigrant comes to the United States and sets eyes on his first Bank of America sign what does he think? Remember the sign also includes a misleading logo in the colors and shape of a waving American flag. Now lets suppose right next to the Bank of America is a Wells Fargo who also has a logo of an old horse drawn carriage. I assume the carriage represents a company history dating back to 1863. So, this immigrant who later becomes a surgeon wants to deposit his remaining $19, which bank should he choose? Which bank does he choose and why?
For years without exception every Spanish speaking client I have had, uses Bank of America. I always ask them why Bank of America? And there answer is always the same “Banco de America”. Which has always had me wondering: if normal American people believe that Bank of America is the bank of the United States then isn’t that an unfair advantage? Hey when the big wigs were sitting around thinking up names did anyone suggest the name and logos might be deceptive? Is there a memo, notes, people who remember how the name was conceived? If there was any collusion in the name or marketing process we have a much bigger closing the doors problem.
My first bank account was with Baybank which was later bought or taken over by Bank of America which absolutely thrilled me because I assumed the Government was in charge.
In real estate we study a lot about deception and deceptive business practices. We are held accountable for just about everything we say and do. My signs must be easily identifiable, with my name and firm so a pedestrian can call of look up my license and credentials. What if I could create a sign and image for my business that made ordinary people believe that I was the Real Estate Broker of the United States Government. This would clearly be illegal and any business that I receive form this deceptive marketing should certainly be subject to forfeiture.
I have been thinking about this for years: bank of America needs to change it’s name. If there was any collusion ever about the marketing fraud Bank of America needs to close it’s doors and liquidate to pay restitution to everyone who had ever done business with Bank of America.
I uploaded a youtube video over a year ago with my initial thoughts on the subject.
The Man Who Got Bank of America To Change It's Name
Monday January 6 Today is the day
Like most mornings, I dropped my son off at school and proceeded down Hillsborough Ave to my morning stop for supplies. Gum, iced teas and coffee for the office. The proprietor was on the phone screaming at someone about a money order.
“he was there on Saturday with the money order”
“can you please waive the late fee?”
I had been in real estate long enough to know exactly what was going on.Turns out that the proprietor had done a money order for a customer who was paying his rent late and incurred a $50 late charge because the rent was not there before the grace period Saturday.
This argument continued while I stood in line for the next ten minutes. I was amused, very amused. The Property management company stood their ground. They were there on Saturday collecting everyone else’s money orders. My next thought was Bank of America. Why Bank of America not Chase or Baybank? Don’t mortgage companies give you a fifteen day grace period, well if it’s not fifteen days it’s certainly longer than three. How can scumlords be more aggressive spitting out late fees than Bank of America. The situation was absurd but I had seen it many times before. The store owner made me stand there and listen to his entire conversation. It’s a small neighborhood shop. I go there to try and keep my business local even though he doesn’t have what I need half the time. Inventories low, products differ a little than 7-11 but he’s two blocks from my office so I support when I can.
Of course, every time that Bank of America comes in to my head, I get angry. The greatest fraud ever pulled off in American.
I was surprised to discover the English(1) is the third most common native language in the world behind Chinese and Spanish. I just always assumed it was English. In our country of immigrants English was a second language for me, my father, his father. When an immigrant comes to the United States and sets eyes on his first Bank of America sign what does he think? Remember the sign also includes a misleading logo in the colors and shape of a waving American flag. Now lets suppose right next to the Bank of America is a Wells Fargo who also has a logo of an old horse drawn carriage. I assume the carriage represents a company history dating back to 1863. So, this immigrant who later becomes a surgeon wants to deposit his remaining $19, which bank should he choose? Which bank does he choose and why?
For years without exception every Spanish speaking client I have had, uses Bank of America. I always ask them why Bank of America? And there answer is always the same “Banco de America”. Which has always had me wondering: if normal American people believe that Bank of America is the bank of the United States then isn’t that an unfair advantage? Hey when the big wigs were sitting around thinking up names did anyone suggest the name and logos might be deceptive? Is there a memo, notes, people who remember how the name was conceived? If there was any collusion in the name or marketing process we have a much bigger closing the doors problem.
My first bank account was with Baybank which was later bought or taken over by Bank of America which absolutely thrilled me because I assumed the Government was in charge.
In real estate we study a lot about deception and deceptive business practices. We are held accountable for just about everything we say and do. My signs must be easily identifiable, with my name and firm so a pedestrian can call of look up my license and credentials. What if I could create a sign and image for my business that made ordinary people believe that I was the Real Estate Broker of the United States Government. This would clearly be illegal and any business that I receive form this deceptive marketing should certainly be subject to forfeiture.
I have been thinking about this for years: bank of America needs to change it’s name. If there was any collusion ever about the marketing fraud Bank of America needs to close it’s doors and liquidate to pay restitution to everyone who had ever done business with Bank of America.
I uploaded a youtube video over a year ago with my initial thoughts on the subject.
I decided to open a regular checking account in BoA a three month ago in Georgia. I'm usually traveling a lot and for business reason I had to travel to NY and NJ. I took my family as well. So we arrive to NJ go to hotels rent a cars etc... On Saturday evening I try to use my debit card and it shows me that card is not valid, than try to connect to online banking, it shows me that my account is not exist. So I called customer service of BoA and they told me I have to call account closure department. Of course mentioned department was closed. So I'm waiting for Monday morning. Meantime I tried to remember how was my account status. Saturday morning I had +$95 on the account, later around 12.30pm I put to my account $800 deposit via ATM. My total was +$890 on my account. I had a rented car and they reserved $335 and three hotel nights reserved $300, other small buys $60. The rented car $335 reservation included $200 deposit and $135 real price of the rented car. $200 will return the rental company on Monday. Question is why my account was filed for closure by Bank of America. And How I can solve the problem. They own me approx $400.
I receive 2 alimony wires a month from my Ex (a SR. VP at BOA) BOA USa to my Canadian US dollar account with a different bank. When you send wires with BOA you are charged 35$ for this serivce. Seems simple enough this is the ""fee"". Only what BOA have been doing is what I would call theft!
July 1 2103 I get my first Us wire. NO issues my set amount - 35$ for the cost of the wire.
Since July 15th and 2 monthly now I have been receiveing vastly different amounts. For 9 months now and working with my Local Canadian bank that receives the funds. has discovered where the almost 300$ a month has gone.
BOA USA who have been directed to wire to the Canadian bank in US$ have been Using Bank of America/Merrill Lynch Canada to filter and steal funds. By first converting the US dollars to Canadian dollars at the sell rate, and then re conveting atthe buy rate to US dollars and then deposit the new significantly less amount into my US account in Canada. They add an additional 17$ ""commission"" to each transaction to do this.
I have not been given any previous information on additional cost, commissions, or even requsted the double conversions? All of this each month to the tune of 300$ a month give or take based on exchange rates.
Why is the bank able to make the first wire with no issue and all 19 subsiquent wires in a costly and different manner?
I have filed complaints with both OCC and the OBSI in Canada. It is in the process with the Ombusdsman/legal now.
BOA are getting fat and skirting the legal line on this one. I would like a refund of all my costs and fees, as well as a suitable explination for why they can do one transction without any of this double dipping and then all since have been. I am frustrted as for almost 10 months it has taken this is still happening 2 times a month to me.
I got a mortgage loan through T.B&W Mortgage company in 2009 and they sold my Mortgage loan to Bank of America. Every year since 2009 my mortgage was screwed up!! I recently fell on finncial hardships and I applied for a Home Loan Modification through Bank of America. They have done nothing but screw me over,lie and give me the run around!! I am NOT behind of my mortgage payments! They DENIED my modification. Their reasoning was that "my monthly expenses exceed my gross monthly income". Well that was the reason I was applying for a home load modification!! I am reducing my monthly expenses!! Now they want to do a Short Sale. I am NOT going to give up my home...PERIOD!! Do I have to agree to a Short Sale from Bank of America? Can they take my home even though I am CURRENT on my mortgage payments? I admit that I am behind with my other creditors, but I AM current with BOA!! Can ANYONE out there give me some GOOD,FREE legal advice to keep my home and to STOP those VULCHERS from taking my home !
I write this letter with a very heart, but it is yet a letter I must write. Be assure that I get no pleasure from this, but rather I hope that unlike your predecessor you will find it in your heart to do the right thing in this very special case.
In January of 2006, a woman by the name of Marianna G. Goncalves sold her home in the City of Brockton, Massachusetts. She was represented by a Real Estate Agent, and the closing was held at the Offices of a licensed Attorney. What she did not know was that these men were not honest, and that this was a scam to defraud her. The closing was held late on a Friday. Marianna was told that because the deed coiuld not be recorded until the following Monday, the Attorney was giving her check, in the amount of $69,000.00 to the Real Estate Agent to hold until he could record the deed. At this p;oint I call to your attention that Marianna Goncalves could not read or write the English language. As a matter of fact there should have been a Court Certified Translator at the closing. There was not. Reluctantly she was coerced into this agreement. Again I call to your attention that the check, made out to Marianna Goncalves was not endorsed. The Real Estate Agent took the check to Bank of America, signed the check himself, deposited the check into his account. Later he want back to Bank of America, withdrew the funds and transferred the money to Webster Bank. From there the money disappears. This was all the money Marianna and her four children had in the world.
With no funds and with a language barrier, there was little Marianna could do. Bank of America did not want to hear about this. As a result, Marianna and her four children became homeless. They were evicted by their new landlord. They ended up living out of her car, which was later repossessed.
In 2008 this matter came to my attention. I immediately contacted the Bank. In addition I contacted Congressman Barney Frank of the House Banking Committee. Upon consensus of opinion a Law Professor took up her cause on a contingency basis since the woman and her children hardly have enough to eat. We assumed that Bank of America would do all it could to help us in settling this matter, and clear it's good name. Well that has not been the case. The firm representing the Bank has been arrogant, and insolant. They have repeatedly tried to dictate terms, and they have done all they can to delay this matter from being put before a judge and jury.
Needless to say all they are doing is to delay. They do not have the power to stop the case. In the process however they will amass a much greater fee for themselves, and do further damage to the name of the Bank. I cannot believe that this would be in concert with your wishes. I this really the image your Bank wants portrayed to the American People. I am not an Attorney, nor do I profess to be one, but even as such, I would not want to walk into a Federal Court and face a Federal Jury and represent Bank of America after pulling such stunts.
I believe that an employee, or employees of the Bank did a favor for a client of the Bank. They cashed a check, that they should not have. The check did not belong to the Real Estate Agent, and it had not been endorsed over to him. HE WAS CASHING SOMEONE ELSES CHECK. A check for a large amount of money. The best thing was that the Bank would admit that it had made a mistake, and do all in it's power to rectify the error. That would have been the honest thing to do. That was not done.
As of this date, your Attorneys are still up to their tricks. They use delaying tactics one after another. As you prepare to hand out bonuses totaling hundreds of millions of dollars, to your staff I call to your attention Marianna G. Goncalves. She has trouble paying her rent. She has had her electriciy turned off more then once for non payment, along with her telephone, and her heat. She lives in Rhode Island and works in Massachusetts. She has no car. Every morning she has to walk 3.7 miles to be picked up and taken to work. She has to do this no matter how bad the weather outside is. SHE HAS TO DO THIS 5 DAYS A WEEK. The woman has suffered enough.
I ask you to call your attorneys and tell them that this matter will be settled this month, and it will be done so without fail. I ask you to tell them not to attempt to further defraud her. After all what is the price of the Bank's good name. Before they settle on an amount, let me ask you this, how much is your bonus? What makes you better then Marianna G. Goncalves? I ask you this last question? How much will a jury of her peers award her in this climate, in this era of Bank hating? Are you sure that an Appeals Court will lower the award, or for that matter even hear the case? How much more dmage is your Bank willing to take?
With all due respect I thank you for your consideration in this matter, and your immediate response.
I decided to open a regular checking account in BoA a three month ago in Georgia. I'm usually traveling a lot and for business reason I had to travel to NY and NJ. I took my family as well. So we arrive to NJ go to hotels rent a cars etc... On Saturday evening I try to use my debit card and it shows me that card is not valid, than try to connect to online banking, it shows me that my account is not exist. So I called customer service of BoA and they told me I have to call account closure department. Of course mentioned department was closed. So I'm waiting for Monday morning. Meantime I tried to remember how was my account status. Saturday morning I had +$95 on the account, later around 12.30pm I put to my account $800 deposit via ATM. My total was +$890 on my account. I had a rented car and they reserved $335 and three hotel nights reserved $300, other small buys $60. The rented car $335 reservation included $200 deposit and $135 real price of the rented car. $200 will return the rental company on Monday. Question is why my account was filed for closure by Bank of America. And How I can solve the problem. They own me approx $400.
My savings and checking account was opened without incident. Everything at the LaSalle branch went as expected. I was given a temporary debit card, checks, and told everything was fine!
I deposited about $5,000 in cash and checks and all of those monies are being held.
When I attempted to use my debit card, it was declined. When I called the bank for more information, I was told my card had been canceled.
I was then told that the tellers could not see my account anymore and that I needed to call the Risk Closure Unit.
The Risk Closure group then dealt with me like I was a criminal. They were curt and rude during the entire conversation. I was advised that they could not tell me why my account had been closed. They also could not tell me when my funds would be released. I was then told that whenever the ""review"" of my account was completed, I would receive a cashiers check in the mail.
The representative showed no compassion for the fact the my hard earned money was now trapped for an unspecified amount of time.
Two days ago I received my permanent debit card with my name on it and an email stating, ""Welcome to your new Bank of America checking account."" All of these items have been voided, canceled or closed by the Risk Closure Unit. The tellers and customer service reps seem to have no clue what this seceret unit is doing.
At this time my money is still being held without explanation. Without a doubt BoA is collecting interest and using my funds in their investments. This seems fraudulent and completely unfair.
I was in no way notified that my account was closed ahead of time. No one called me to say my account had been flagged. I cannot cancel the checks as they have already processed them. I am also liable for any overdraft accrued during this process.
I am beyond upset. I am absolutely stunned at the unprofessional manner in which this matter is being handled and will never advise anyone to do business with Bank of America.
Please open an account with another financial institution. BEWARE OF BANK OF AMERICA.
I opened an account for the very first time right after valentines day, I was issued a temporary card and was told to wait 6-8 business days and I would receive my permanent card.
My account was opened on feb 15th 2014, today is feb 24th 2014, I still havent got my card so I called customer service and was told that I wouldn't be getting a card from them and to call their RISK department. I called the RISK department and they said that my account was closed.
I asked why and they said were not sure, so I asked on what grounds can u close my account? Their response was ,,We don't know its a random pick and then told me that my account got closed on feb 19th of 2014. I asked why didnt I get a call or something stating this,,,her response was nothing.....
I then asked directly "" I have the right to be informed of this right"" she answered YES. I told the lady that I wasnt informed, and she admitted that her records indicate that. VIOLATION 1.
VIOLATION 2.. Unjust closing of an account that is not negative and never has been over drawn. Believe it or not, a bank cannot close your account just because they pull your name out of a hat and have no probable cause to do so. Probable cause would be, you overdrafted and didnt satisfy the negative balance within due time, and or the account has been inactive for X amount of time, which neither has happend in my case. Guess what Bank Of America,, I'm coming y'alls way, for lots of $$$$. I will get mine !!!!!!! mark my words
Bank Of America Reviews
I had a savings account for years and was never notified that it had to have a 300 balance or it would be closed...I am just starting school and I needed to have my mom from another city put in a hundred dollars for me. When I went to bank to retrieve it, I was told my account was closed and the only way to get the money she had put in was to open a checking account!!! I spent hour and a half with this women who opened my account and did not say a word about any kind of balance cause after all it was a NEW ACCOUNT and how could there be a balance? Well they found a negative balance for me, but not until the money was deposited, and it was 1,770,652.00 where they pulled that out of I guess I will never know but there it was? And my moms money was gone!! So now I called the account closure dept. that they told me to call..And she says oh okay we will give you your money back just wait til almost closing time and come and get it!! Well so I drive down there again and they tell me that it just so happens that it costs 60.00 to close the account they made me open!! And then there was suddenly another 40.00 in fees? and that added up to me getting 0.00!!! What the hell kind of bullshit is this? It was completely scandolous from start to finish...They have so much money but they find a clever way to steal every cent of my measly 100.00???Who ever heard of a 60.00 closing fee? And where and what was the 40.00 fee for? And how do you open an account with no money? And how does a trained employee who opens accounts not notice for an hour and a half while she is opening the frigging account, not notice a negative 1,770,652.00 and tell me??? And if I had really owed them that money how come I never received a single notice in the mail?? All these questions just go through my mind with no answer but SCAM SCAM RIPOFF!! Why did the president save these corrupt scandolous liars?? Should have let them all fail they have no business being in business!!!
Bank of America N.A. is attempting to take possession on my property in Alice, Texas 78332. The bank has not proven that it owns the note or even has the authority to enforce such demands as a petition of a forcible detainer. The home is rightfully owned by Mr. Rodriguez for approximately the last 14 years Mr. Rodriguez has been on Deed of Trust recorded in public records in Jim Wells County. I dont have to prove ownership of my own property. The authority to act on the note by showing all endorsements in the chain of title from beginning to the end of the note that secure the loan, its Bank of America responsibility to show it authority to act on the note.
I, Mr. Rodriguez, on October 21th of 1998, signed a Deed of Trust and a Promissory note that secure the loans for Alice, Texas 78332 with Countrywide Home Loan, Inc. I have paid my mortgage monthly and on time until April 2011.
A lady reprehensive from Bank of America told me that Bank of America never owned or had a Deed of Trust or the Promissory note that secure the loan and advised me to hire an attorney to request the documents from the Bank to prove ownership of the Promissory Note. I stopped all payments at that time and demanded Bank of America to show me that they were in fact the owner to the Promissory Note that allowed the bank to collect on the Note.
When I stopped all payment my balance was $13,148.86 on a $60,000 Promissory Note. I have offered to pay off the balance $13,148.86 to Bank of America, only if they were willing to present me the promissory Note that secured the loan with all endorsements in the chain of title, but they still refused. The only common answer to all this is that Bank of America doesnt have the documents to prove ownership of the Note or they want to keep the concealment of the Note and take possession of the property.
I hired an attorney from Corpus Christi by the name of Lamar G. Clemsons from ENGLISH & CLEMONS, L.L.P. on November 9, 2011. He requested Bank of America to prove ownership of the Promissory Note and Deed of Trust with all endorsements in the chain of title from beginning to the end of the note that secure the loan.
On January 17, 2012, I Mr. Rodriguez wrote a complaint letter called the qualified written request to Bank of America, an official letter provided by the Real Estate Statement Procedures Act (RESPA). I understand that under Section 6 of RESPA the Bank of America is required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. Bank of America never responded to the qualified written request.
Bank of America has repeatedly refused to provide such documents proving that they are in fact the holder in due course of the Promissory Note that secure the Deed of Trust. Bank of America has been concealing, defrauding, wrongful fore- closuring, slandering to title, and has intentional infliction of emotional distress and not only defamation but libel.
Bank of America created all this torture upon my family and me from one lie, because there were no documents to prove ownership to my property. Over $13,000 my family had to experienced hardship by giving up their happiness and wellbeing and security. Unbelievable but it is true how selfish one has become.
Bank of America N.A. foreclosed on another property belonging to me and my family. Its a homestead home located at Pflugerville, Texas 78660. Homestead loans have proper procedures in place that have to be executed and verified by the property owner who has possession of the property in dispute before a foreclosure can proceed legally. For the example this is one of procedures in place - Helping Families Save Their Homes Act of 2009 (the 2009 Act) amended the Truth in Lending Act to require that borrowers be notified whenever ownership of their mortgage loan is transferred. The new owner or assignee must notify the borrower in writing, within thirty days after the loan sold orassigned, of its identity, address, telephone number, and the date of transfer and location where the transfer is recorded. In addition, the new owner must disclose how the borrower may reach an agent or party with authority to act on behalf of the new owner, and any other relevant information.
Bank of America and all the attorney from Law Firm Barrett Daffin Frappier Turner & Engel, L.L.P, have intentional created fraud by deception and now they are trying to take possession of our personal property without showing authorization to enforce on the Promissory Note this is causing enormous amount of emotional distress on the owner and family.
Bank of America, Recontrust Company N.A. and the attorneys from Law Firm Barrett Daffin Frappier Turner & Engel,L.L.P are committing theft by deception, wire fraud, impersonating a public servant and are in violation of the RICO act 1974. These are four felonies among other violations and fines that may apply to this senseless, selfishness, greediness organizes crimes made by certain individuals in these organizations with the abuses of their authority.
I will fight for my rights as a home owner and as a father, I have to defend my family and myself, they leave me no choice. I have terminated my contract with my attorney and now I am going Pro Se, so there can be some kind of fairness in the courts, there will be no more immunity among the court systems in my trails. I promise my God, I will start cleaning house one at a time with the power of my lord Jesus Christi who strength me. I fight back with all my might and power until they stop all this harassment and torture to my family and me. I will give the power to the people not to the courts to make judgments on all my complaints. Our courts cant protect us anymore, how sad that has become, we cant depend on the one thing that the court were made for and that is the protection of the people to keep peace in society.
On September 21, 2012 Bank of America N.A. (Plaintiff) represented by attorney Tasha James - State Bar No. 24055729, with the Law Firm Barrett Daffin Frappier Turner &Engel, L.L.P. 15000 Surveyor Boulevard,Suite 100 Addison, Texas 75001., filed an Original Petition for Forcible Detainer with Cause No.015311. Hearingwas set for September 28th 2012 at 10:00 a.m. The Law Firm of Barrett, Daffin, Frappier, Turner & Engel, L.L.P. filed the case in JP Court on purpose. They, being lawyers, know that a Justice of the Peace cannot rule on matters involving monetary values beyond $10,000.
In the State of Texas, Real Estate states laws that pertain to a foreclosure procedures for example the owner of the note is theonly one that can enforce the note for a legal foreclosure to be executed.
On Friday September 28th right before the court hearing, a man approach my wife and I, and he announced himself as William Larew the lawyer for the Plaintiff, Bank of America N.A. William Larew said he was sent by the Law Firm Barrett Daffin Frappier Turner & Engel, L.L.P. 15000 Surveyor Boulevard, Suite 100 Addison, Texas 75001.
J.P.Judge walked-in to the court room and everyone introduced themselves. I asked William Larew for his Lawyer License with the State Bar No. He wouldnt give me an answer he kept looking down in a strange way.
The J.P. Judge answered for the attorney William Larew and said that he knew him and he was good to go and let get on with the trial. J.P. Judge willfully committed fraud for allowing Mr. Larew to pretend he was a lawyer and to practice law in his court. J.P. Judge knowingly broke the law and allowed a misrepresentation before the peoples court. Not only my civil rights were violated, but my privacy of financial obligation was violated. J.P. Judge made me answer some questions from Mr. Larew that had a lot of my private financial information .Mr. Larew has my personal file from Bank of America and Tasha James which only my attorney had in possession.
(Defendant) Joe Oscar Rodriguez filed a motion to dismiss a petition for forcible detainer. The Judge wouldnt even read my motion to dismiss, or let me read any laws that pertain to a foreclosure procedures for example the owner of the note is the only one that can enforce the note for a legal foreclosure to be executed.
J.P. Judge would ignore me and was disrespectful to my wife and me as a Pro Se, so I spoke out and said to the Judge, that he was denying me my Due process in violation of my fourth Amendment (civil rights) and he threatened to put me in jail for getting out of line. He ruled against me and gave the judgment to Bank of America N.A. without having any documents to prove ownership to the disputed property. The deed of trust and promissory note that secure the loan has to be tangible documents according to the law.
Without letting me to verify Mr. Larews license to practice law, the judge vouched that Mr. Larew was a qualified attorney to practice law. The Judge conspired to a crime at that point. The Judge intentionally violated the laws by stepping outside the scope of his authority. He no longer has absolute immunity because he acted as an individual not as a public servant. J.P. Judge has conspired in a felony in letting Mr. Larew to impersonate a public servant, conspiracy to commit a felony by theft by deception, is in violation of RICO act 1970, and mail and wire fraud.
There is no room in the people courts for this kind of behavior. I am filing criminal charges on all individuals in these organizations who abuse and the misused of their authority in the court system. They are responsible for these senseless, selfishness, greediness, and organized crimes.
Who benefits from these crimes? Where is the justice in all this torture to one family? When will this intentional infliction of emotional distress stop? The courts are the frontline of defense for the elderly, disability, children, and all the other honest citizens. We pray to God for our courts system not to become broken by the corruptions of some individuals that endanger our society.
I have written the facts stated in the statement above in this affidavit. They are true and correct to my knowledge.
Mr. R - (wife) Mrs. Y
I walked in to my local bank branch in Tamerac to close out a HELOC account. The customer service representative Jose Ortiz took over an hour to handle it. Come to find out three weeks later... he never handled it at all.
When I called the bank to complain bitterely about the complete lack of customer service the bank sent police to my house claiming I threatened the people at the tamarac branch (never happened). Then they closed all my accounts. Banking with them has been the worst experience of my life. They closed my Operating, my merchant and my personal checking without warning and honestly without justification. I complained for good reason not made up excuses. They failed to close a HELOC after many many tries to do just that. They can't even service the accounts they have on file. You can never reach a person when you need one... never. When you do they hang up on you if you complain about the treatment you've been getting. They suck. I'm 52 years of age and I've never seen anything so ridiculous in my life.
NEVER BANK WITH BANK OF AMERICA. They are putting themselves out of business with the way they do business.
Recently had a fire in a building that I own. Had mortgage with Bank of America. Fire destroyed one apartment unit in the buidling. Had insurance through State Farm. They paid the insurance claim of $70,000. Bank of America was the co-signer for payment of the destroyed property.
I have already put in $35,000 of my money into rehabing this property and apartment. Bank of America is holding on to the check and has not released the check despite my talking to at least 10 people and going up the chain of command to obtain money or get reinbursed for what I already put out.
I continue to talk to people, but Bank of America has sent me a contract and is acting like it is there money and
is demanding 5 percent of the cost of rehabing the building; so they are not releasing the check and demanding
black mail money when the project is complete.
If anyone has suggestions please let me know.
Bank of America is holding all checks for 3 days. Meaning, they are holding my money and charging my account for overdraft fees! I have lost over $400.00 on fee because of their unethetical procedures.
I have been in a living nightmare for 5 years now. I am disabled with many dibilitating health issue's. I put $140, 000 down on my home, all the money I had to buy a fixer upper. More than half the asking price for my home. I was given a 2 year fixed and was told to call before 2 years were up to refi into a fixed rate. Needless to say I didn't qualify to refinance but they offered a modification with 2 months of no payment. This is how my nightmare began. I have applied for this modification 12 times now (doing the 12th go at it right now.) I keep being told that I didn't qualify because I didn't complete all Docs requested or I was told my file was "dropped" lost and to add insult to injury my file keeps getting mixed up with someone else's. I have never missed a payment. In fact at one point B of A sent me my payment back.I have high blood pressure and other heart and health issue's that have been exaserbated because of what B of A has put me through. My attorney has filed a law suit against B of A because of their unfair lending and predatory lending practices. Has anyone out there actually gotten a "Real" modification with B of A? I dont want to lose my home. I couldn't survive on the streets because I will have no where else to go.
I had a charge from Central Coast Neutraceuticals show up on my bank statement (they have since been fined heavily by the Arizona Attorney General for fraud). I immediately reported this charge to the bank. They told me to send them a statement that "I did not authorize the charge, and my credit card has never been out of my possession", which I did. I received no reply, so after a couple of months, I called the bank and was then informed that I had not filed this statement ON THEIR FORM (which I had never received). They sent me the form, I submitted it and again waited. After receiving no response for another month or two, I called them again, only to be told that they paid the charge, as it had taken too long to process the complaint, and it was now outside their "statute of limitations".
I asked the local branch of Bank of America to replace my debit card because the magnetic strip had worn down through frequent use. The bank officer was polite and said she would take care of it.
My new card came a few days later, along with a $5.00 replacement fee charged to my account. I was not advised there would be a fee. My card was not lost or stolen. It was just worn out.
Now I have a couple of choice. Quit using the debit card so much, which affords me the luxury of not bothering a teller. Continue trying to use a worn out card with defecive magnetic strip. Or change banks.
Ridiculous that I should pay a fee for using my card too much.
Bank of America markets their company to unsuspecting foreigners as ""The Bank of America"". They knowingly deceive the public making us believe that they are the nations bank.
Monday January 6
Like most mornings, I dropped my son off at school and proceeded down Hillsborough Ave to my morning stop for supplies. Gum, iced teas and coffee for the office. The proprietor was on the phone screaming at someone about a money order.
“he was there on Saturday with the money order”
“can you please waive the late fee?”
I had been in real estate long enough to know exactly what was going on.Turns out that the proprietor had done a money order for a customer who was paying his rent late and incurred a $50 late charge because the rent was not there before the grace period Saturday.
This argument continued while I stood in line for the next ten minutes. I was amused, very amused. The Property management company stood their ground. They were there on Saturday collecting everyone else’s money orders. My next thought was Bank of America. Why Bank of America not Chase or Baybank? Don’t mortgage companies give you a fifteen day grace period, well if it’s not fifteen days it’s certainly longer than three. How can scumlords be more aggressive spitting out late fees than Bank of America. The situation was absurd but I had seen it many times before. The store owner made me stand there and listen to his entire conversation. It’s a small neighborhood shop. I go there to try and keep my business local even though he doesn’t have what I need half the time. Inventories low, products differ a little than 7-11 but he’s two blocks from my office so I support when I can.
Of course, every time that Bank of America comes in to my head, I get angry. The greatest fraud ever pulled off in American.
I was surprised to discover the English(1) is the third most common native language in the world behind Chinese and Spanish. I just always assumed it was English. In our country of immigrants English was a second language for me, my father, his father. When an immigrant comes to the United States and sets eyes on his first Bank of America sign what does he think? Remember the sign also includes a misleading logo in the colors and shape of a waving American flag. Now lets suppose right next to the Bank of America is a Wells Fargo who also has a logo of an old horse drawn carriage. I assume the carriage represents a company history dating back to 1863. So, this immigrant who later becomes a surgeon wants to deposit his remaining $19, which bank should he choose? Which bank does he choose and why?
For years without exception every Spanish speaking client I have had, uses Bank of America. I always ask them why Bank of America? And there answer is always the same “Banco de America”. Which has always had me wondering: if normal American people believe that Bank of America is the bank of the United States then isn’t that an unfair advantage? Hey when the big wigs were sitting around thinking up names did anyone suggest the name and logos might be deceptive? Is there a memo, notes, people who remember how the name was conceived? If there was any collusion in the name or marketing process we have a much bigger closing the doors problem.
My first bank account was with Baybank which was later bought or taken over by Bank of America which absolutely thrilled me because I assumed the Government was in charge.
In real estate we study a lot about deception and deceptive business practices. We are held accountable for just about everything we say and do. My signs must be easily identifiable, with my name and firm so a pedestrian can call of look up my license and credentials. What if I could create a sign and image for my business that made ordinary people believe that I was the Real Estate Broker of the United States Government. This would clearly be illegal and any business that I receive form this deceptive marketing should certainly be subject to forfeiture.
I have been thinking about this for years: bank of America needs to change it’s name. If there was any collusion ever about the marketing fraud Bank of America needs to close it’s doors and liquidate to pay restitution to everyone who had ever done business with Bank of America.
I uploaded a youtube video over a year ago with my initial thoughts on the subject.
The Man Who Got Bank of America To Change It's Name
Monday January 6 Today is the day
Like most mornings, I dropped my son off at school and proceeded down Hillsborough Ave to my morning stop for supplies. Gum, iced teas and coffee for the office. The proprietor was on the phone screaming at someone about a money order.
“he was there on Saturday with the money order”
“can you please waive the late fee?”
I had been in real estate long enough to know exactly what was going on.Turns out that the proprietor had done a money order for a customer who was paying his rent late and incurred a $50 late charge because the rent was not there before the grace period Saturday.
This argument continued while I stood in line for the next ten minutes. I was amused, very amused. The Property management company stood their ground. They were there on Saturday collecting everyone else’s money orders. My next thought was Bank of America. Why Bank of America not Chase or Baybank? Don’t mortgage companies give you a fifteen day grace period, well if it’s not fifteen days it’s certainly longer than three. How can scumlords be more aggressive spitting out late fees than Bank of America. The situation was absurd but I had seen it many times before. The store owner made me stand there and listen to his entire conversation. It’s a small neighborhood shop. I go there to try and keep my business local even though he doesn’t have what I need half the time. Inventories low, products differ a little than 7-11 but he’s two blocks from my office so I support when I can.
Of course, every time that Bank of America comes in to my head, I get angry. The greatest fraud ever pulled off in American.
I was surprised to discover the English(1) is the third most common native language in the world behind Chinese and Spanish. I just always assumed it was English. In our country of immigrants English was a second language for me, my father, his father. When an immigrant comes to the United States and sets eyes on his first Bank of America sign what does he think? Remember the sign also includes a misleading logo in the colors and shape of a waving American flag. Now lets suppose right next to the Bank of America is a Wells Fargo who also has a logo of an old horse drawn carriage. I assume the carriage represents a company history dating back to 1863. So, this immigrant who later becomes a surgeon wants to deposit his remaining $19, which bank should he choose? Which bank does he choose and why?
For years without exception every Spanish speaking client I have had, uses Bank of America. I always ask them why Bank of America? And there answer is always the same “Banco de America”. Which has always had me wondering: if normal American people believe that Bank of America is the bank of the United States then isn’t that an unfair advantage? Hey when the big wigs were sitting around thinking up names did anyone suggest the name and logos might be deceptive? Is there a memo, notes, people who remember how the name was conceived? If there was any collusion in the name or marketing process we have a much bigger closing the doors problem.
My first bank account was with Baybank which was later bought or taken over by Bank of America which absolutely thrilled me because I assumed the Government was in charge.
In real estate we study a lot about deception and deceptive business practices. We are held accountable for just about everything we say and do. My signs must be easily identifiable, with my name and firm so a pedestrian can call of look up my license and credentials. What if I could create a sign and image for my business that made ordinary people believe that I was the Real Estate Broker of the United States Government. This would clearly be illegal and any business that I receive form this deceptive marketing should certainly be subject to forfeiture.
I have been thinking about this for years: bank of America needs to change it’s name. If there was any collusion ever about the marketing fraud Bank of America needs to close it’s doors and liquidate to pay restitution to everyone who had ever done business with Bank of America.
I uploaded a youtube video over a year ago with my initial thoughts on the subject.
Bank of America account closure.
I decided to open a regular checking account in BoA a three month ago in Georgia. I'm usually traveling a lot and for business reason I had to travel to NY and NJ. I took my family as well. So we arrive to NJ go to hotels rent a cars etc... On Saturday evening I try to use my debit card and it shows me that card is not valid, than try to connect to online banking, it shows me that my account is not exist. So I called customer service of BoA and they told me I have to call account closure department. Of course mentioned department was closed. So I'm waiting for Monday morning. Meantime I tried to remember how was my account status. Saturday morning I had +$95 on the account, later around 12.30pm I put to my account $800 deposit via ATM. My total was +$890 on my account. I had a rented car and they reserved $335 and three hotel nights reserved $300, other small buys $60. The rented car $335 reservation included $200 deposit and $135 real price of the rented car. $200 will return the rental company on Monday. Question is why my account was filed for closure by Bank of America. And How I can solve the problem. They own me approx $400.
Bank of America is making money hand over fist!
I receive 2 alimony wires a month from my Ex (a SR. VP at BOA) BOA USa to my Canadian US dollar account with a different bank. When you send wires with BOA you are charged 35$ for this serivce. Seems simple enough this is the ""fee"". Only what BOA have been doing is what I would call theft!
July 1 2103 I get my first Us wire. NO issues my set amount - 35$ for the cost of the wire.
Since July 15th and 2 monthly now I have been receiveing vastly different amounts. For 9 months now and working with my Local Canadian bank that receives the funds. has discovered where the almost 300$ a month has gone.
BOA USA who have been directed to wire to the Canadian bank in US$ have been Using Bank of America/Merrill Lynch Canada to filter and steal funds. By first converting the US dollars to Canadian dollars at the sell rate, and then re conveting atthe buy rate to US dollars and then deposit the new significantly less amount into my US account in Canada. They add an additional 17$ ""commission"" to each transaction to do this.
I have not been given any previous information on additional cost, commissions, or even requsted the double conversions? All of this each month to the tune of 300$ a month give or take based on exchange rates.
Why is the bank able to make the first wire with no issue and all 19 subsiquent wires in a costly and different manner?
I have filed complaints with both OCC and the OBSI in Canada. It is in the process with the Ombusdsman/legal now.
BOA are getting fat and skirting the legal line on this one. I would like a refund of all my costs and fees, as well as a suitable explination for why they can do one transction without any of this double dipping and then all since have been. I am frustrted as for almost 10 months it has taken this is still happening 2 times a month to me.
BOA certainly has some explinaing on this one.
I got a mortgage loan through T.B&W Mortgage company in 2009 and they sold my Mortgage loan to Bank of America. Every year since 2009 my mortgage was screwed up!! I recently fell on finncial hardships and I applied for a Home Loan Modification through Bank of America. They have done nothing but screw me over,lie and give me the run around!! I am NOT behind of my mortgage payments! They DENIED my modification. Their reasoning was that "my monthly expenses exceed my gross monthly income". Well that was the reason I was applying for a home load modification!! I am reducing my monthly expenses!! Now they want to do a Short Sale. I am NOT going to give up my home...PERIOD!! Do I have to agree to a Short Sale from Bank of America? Can they take my home even though I am CURRENT on my mortgage payments? I admit that I am behind with my other creditors, but I AM current with BOA!! Can ANYONE out there give me some GOOD,FREE legal advice to keep my home and to STOP those VULCHERS from taking my home !
January 13, 2010
An Open Letter to Mr. Brian Moynihan
CEO of Bank of America
Dear Mr. Moynihan
I write this letter with a very heart, but it is yet a letter I must write. Be assure that I get no pleasure from this, but rather I hope that unlike your predecessor you will find it in your heart to do the right thing in this very special case.
In January of 2006, a woman by the name of Marianna G. Goncalves sold her home in the City of Brockton, Massachusetts. She was represented by a Real Estate Agent, and the closing was held at the Offices of a licensed Attorney. What she did not know was that these men were not honest, and that this was a scam to defraud her. The closing was held late on a Friday. Marianna was told that because the deed coiuld not be recorded until the following Monday, the Attorney was giving her check, in the amount of $69,000.00 to the Real Estate Agent to hold until he could record the deed. At this p;oint I call to your attention that Marianna Goncalves could not read or write the English language. As a matter of fact there should have been a Court Certified Translator at the closing. There was not. Reluctantly she was coerced into this agreement. Again I call to your attention that the check, made out to Marianna Goncalves was not endorsed. The Real Estate Agent took the check to Bank of America, signed the check himself, deposited the check into his account. Later he want back to Bank of America, withdrew the funds and transferred the money to Webster Bank. From there the money disappears. This was all the money Marianna and her four children had in the world.
With no funds and with a language barrier, there was little Marianna could do. Bank of America did not want to hear about this. As a result, Marianna and her four children became homeless. They were evicted by their new landlord. They ended up living out of her car, which was later repossessed.
In 2008 this matter came to my attention. I immediately contacted the Bank. In addition I contacted Congressman Barney Frank of the House Banking Committee. Upon consensus of opinion a Law Professor took up her cause on a contingency basis since the woman and her children hardly have enough to eat. We assumed that Bank of America would do all it could to help us in settling this matter, and clear it's good name. Well that has not been the case. The firm representing the Bank has been arrogant, and insolant. They have repeatedly tried to dictate terms, and they have done all they can to delay this matter from being put before a judge and jury.
Needless to say all they are doing is to delay. They do not have the power to stop the case. In the process however they will amass a much greater fee for themselves, and do further damage to the name of the Bank. I cannot believe that this would be in concert with your wishes. I this really the image your Bank wants portrayed to the American People. I am not an Attorney, nor do I profess to be one, but even as such, I would not want to walk into a Federal Court and face a Federal Jury and represent Bank of America after pulling such stunts.
I believe that an employee, or employees of the Bank did a favor for a client of the Bank. They cashed a check, that they should not have. The check did not belong to the Real Estate Agent, and it had not been endorsed over to him. HE WAS CASHING SOMEONE ELSES CHECK. A check for a large amount of money. The best thing was that the Bank would admit that it had made a mistake, and do all in it's power to rectify the error. That would have been the honest thing to do. That was not done.
As of this date, your Attorneys are still up to their tricks. They use delaying tactics one after another. As you prepare to hand out bonuses totaling hundreds of millions of dollars, to your staff I call to your attention Marianna G. Goncalves. She has trouble paying her rent. She has had her electriciy turned off more then once for non payment, along with her telephone, and her heat. She lives in Rhode Island and works in Massachusetts. She has no car. Every morning she has to walk 3.7 miles to be picked up and taken to work. She has to do this no matter how bad the weather outside is. SHE HAS TO DO THIS 5 DAYS A WEEK. The woman has suffered enough.
I ask you to call your attorneys and tell them that this matter will be settled this month, and it will be done so without fail. I ask you to tell them not to attempt to further defraud her. After all what is the price of the Bank's good name. Before they settle on an amount, let me ask you this, how much is your bonus? What makes you better then Marianna G. Goncalves? I ask you this last question? How much will a jury of her peers award her in this climate, in this era of Bank hating? Are you sure that an Appeals Court will lower the award, or for that matter even hear the case? How much more dmage is your Bank willing to take?
With all due respect I thank you for your consideration in this matter, and your immediate response.
Respectfully
F. P. G.
Bank of America account closure.
I decided to open a regular checking account in BoA a three month ago in Georgia. I'm usually traveling a lot and for business reason I had to travel to NY and NJ. I took my family as well. So we arrive to NJ go to hotels rent a cars etc... On Saturday evening I try to use my debit card and it shows me that card is not valid, than try to connect to online banking, it shows me that my account is not exist. So I called customer service of BoA and they told me I have to call account closure department. Of course mentioned department was closed. So I'm waiting for Monday morning. Meantime I tried to remember how was my account status. Saturday morning I had +$95 on the account, later around 12.30pm I put to my account $800 deposit via ATM. My total was +$890 on my account. I had a rented car and they reserved $335 and three hotel nights reserved $300, other small buys $60. The rented car $335 reservation included $200 deposit and $135 real price of the rented car. $200 will return the rental company on Monday. Question is why my account was filed for closure by Bank of America. And How I can solve the problem. They own me approx $400.
My savings and checking account was opened without incident. Everything at the LaSalle branch went as expected. I was given a temporary debit card, checks, and told everything was fine!
I deposited about $5,000 in cash and checks and all of those monies are being held.
When I attempted to use my debit card, it was declined. When I called the bank for more information, I was told my card had been canceled.
I was then told that the tellers could not see my account anymore and that I needed to call the Risk Closure Unit.
The Risk Closure group then dealt with me like I was a criminal. They were curt and rude during the entire conversation. I was advised that they could not tell me why my account had been closed. They also could not tell me when my funds would be released. I was then told that whenever the ""review"" of my account was completed, I would receive a cashiers check in the mail.
The representative showed no compassion for the fact the my hard earned money was now trapped for an unspecified amount of time.
Two days ago I received my permanent debit card with my name on it and an email stating, ""Welcome to your new Bank of America checking account."" All of these items have been voided, canceled or closed by the Risk Closure Unit. The tellers and customer service reps seem to have no clue what this seceret unit is doing.
At this time my money is still being held without explanation. Without a doubt BoA is collecting interest and using my funds in their investments. This seems fraudulent and completely unfair.
I was in no way notified that my account was closed ahead of time. No one called me to say my account had been flagged. I cannot cancel the checks as they have already processed them. I am also liable for any overdraft accrued during this process.
I am beyond upset. I am absolutely stunned at the unprofessional manner in which this matter is being handled and will never advise anyone to do business with Bank of America.
Please open an account with another financial institution. BEWARE OF BANK OF AMERICA.
Bank of America, CLOSED my account for no reason.
I opened an account for the very first time right after valentines day, I was issued a temporary card and was told to wait 6-8 business days and I would receive my permanent card.
My account was opened on feb 15th 2014, today is feb 24th 2014, I still havent got my card so I called customer service and was told that I wouldn't be getting a card from them and to call their RISK department. I called the RISK department and they said that my account was closed.
I asked why and they said were not sure, so I asked on what grounds can u close my account? Their response was ,,We don't know its a random pick and then told me that my account got closed on feb 19th of 2014. I asked why didnt I get a call or something stating this,,,her response was nothing.....
I then asked directly "" I have the right to be informed of this right"" she answered YES. I told the lady that I wasnt informed, and she admitted that her records indicate that. VIOLATION 1.
VIOLATION 2.. Unjust closing of an account that is not negative and never has been over drawn. Believe it or not, a bank cannot close your account just because they pull your name out of a hat and have no probable cause to do so. Probable cause would be, you overdrafted and didnt satisfy the negative balance within due time, and or the account has been inactive for X amount of time, which neither has happend in my case. Guess what Bank Of America,, I'm coming y'alls way, for lots of $$$$. I will get mine !!!!!!! mark my words