Bank Of America, Paypal Distroyed my credit,charged me thousands in NFS fee's, and never fixed or helped in any way to do anythng but cause me to go into bankruptcy and now lose my house La Mesa Branch California

Now over three years ago the bank of America allowed two fraudulent charges to go onto my credit card from paypal which i had never given paypal my this credit card information to! but somehow there was two fraudulent charges one for 1140.00 and another for 699.96 back to back , and these two charges made from this paypal account went over sea's and also where over my daily spending limit on my credit card, which when added to my account put my credit limit over it's limit ! which then defaults your credit card aggreement and at the time i had a 733 credit score.

but by this bank allowing these two charges to go onto my credit card this gave the bank of america the right to raise my credit interest rate which they did imediatly from 15% up to over 32.9% and continued to do for ever and then sent a letter to the credit reporting agencies telling them that i defaulted on my credit card aggreement by going over my credit limit !

which resulted in the worse part of all of this and it lowered my credit score from it's avereage between all three reporting agencies of 733 which i had worked very hard to acheive ! and it was now reduced to a 640 and at this time i had planned on refinancing my house because the interest rates had dropped again down to a 5.25% for a fixed rate and this would have saved me thousands of dollars and i was going to pay off all my credit cards with this refinance and also most likely gotten a much lesser of a mortgage payment !

But when your credit score is reduced for any reason this takes about an act of god to get it Fixed which this should never have happened in the first place since these charges should never have been allowed for all the reasons i have just said above ! like they went over sea's and they where over my daily spending limit and i had never gone over my credit limit before and had outstanding ontime payment history with all my credit cards and merchants and was also helping put my wife at the time through law school and paying her credit card bills also !

well when this all happened i didnt see it the on my first statement that i got but my wife did and she flipped out thinking i had gone off the deep end charging these two large sums on my credit card which i did not even know about until she threw the statement at me and walked out on me and then eventually ended up divorcing me and yes there was some other issues's like in all marriages but that one to her was the ice breaker that pushed her out !

well when i did see these charges i first called paypal to inquire about how they got on there and paypal told me that these charges where reveresed the next day according to whom ever i spoke to there ! So i then called the bank of america and inquired to them about these charges ? well after being put on hold and having to talk to a number of bofa employee's their fraud department finnally contacted me and we went over many things and they wanted to go back three months on my credit card and investigage back this far. so they then took off three months worth of charges from my credit card. and then as they called each of the merchants that i had charged items or services to they then would put them back onto my credit card, but now also not at the 15% i was paying but now at the 32.9% that they raised my interest rate to because of the two that defaulted my credit limit !

and then when they got to the two that where made from paypal the paypal merchants phone number behind the charges and name of the merchant only had 9 digits behind it on the statement that they where going off of, So I am asuming that they just figured that since all the other charges that where on my credit card that did have the correct phone numbers on that they just must have asumed that these charges must have also been correct and they then put these two fraudulent charges right back onto my credit card ,which then started the whole thing over again. and they charged me over the limit fee's and other misc. charges and they would either take these charges right out from my checking account or they would add them on to my credit card bill and this just kept happening over and over a total of three times plus the double amount of interest along with all of this too!

and untill when my refinance finnally went through then i ended up paying these charges myself when the refinance paid off all of my credit card bills and anything else that was on my credit history !

Now also when this first happens not only did this bank send in a letter to all the credit reporting agencies but then when they get this letter then the credit reporting agencies what they do is they also send out letters to all of my other credit card merchants warning them that i have defaulted on my credit card and then they all follow suit and they all raised my interest rates as well and also lowered my credit limits on every one of my other cards !

my american express that i had and was paying around 11% interest and had a 15000.00 credit limit with, they lowered my limit with them down to just a little over what i owed them and that was about 1100.00 so they dropped me from 15,000.00 down to just over 1700.00 limit and they then raised my interest rate from 11% to over 24% and my discover card also did the same type of thing which now at these newer rates and not having as much of a credit limit with each of them also ends up costing you way more money each month that goes by !

Now when my refinance did go through in late Dec of 2005 instead of getting the 5.25% fixed rate that i should have easily gotten with my 733 credit rating . I ended up only qualifing for a variable rate of 6.9% and not the 5.25% that i had expected and on a 400,000.00 loan this is just about 900.00 dollars each month more added to my loan and that is just at the difference between the 5.25% and 6.9% which would be going up as variable rates do. but that's all at the time that i qualified for,. since this bank sent in this report that i went over my credit limit !

I don't make an extra 900.00 minimum a month more to be able to keep paying this but was in hopes that somehow had i gotten any help resolving this issue that somehow everything would work out and somehow this could be fixed ~

so for the next year i tried to call and email and write letters and call over and over again and get passed off from one person to the next and after i spoke with the fraud department for over 2 1/2 hours one day. this guy tells me that none of this is my fault which i said yes i know that but how are you going to be able to fix all of this ? and he says we have our ways ? ya by just blowing me off ?

so this guys says to me that he will have a solution for me within 24 hours and says good bye! well that was good bye because he never called me back. and when i called back the next week since this was all on a thursday and waited for him to call me back on friday and he never did, then i had to call them back on like tuesday and naturally this guy was to busy to talk to me so he passes me off to some lady that tells me that they took these charges off my account ! which was a lie ! well they did take them off but then put them back on another two more times untill like i said .i ended up paying myself on the refi ~and this is not even the beginning of all that they have done .this doesn't even come close to the tip of the iceberg of how much money they took and charged me and cost me!

So this also has to be said later when after i wrote the bbb and other things to try to resolve this all with them they then changed my checking account because while on a short vacation that my boss made me take because i was not handeling my divorce very well, since one of the hearings for it came just 3 days after our would have been our aniversery on new years eve, i took off to arizona ,and while there i went to get some cash out from an atm in arizona and it denie's me. and so i call up the bofa customer service and they tell me that the reason for them putting a hold on my account and i had over 40,000.00 in cash in my account with them they say because there where two charges in arizona and one made in utah and this they thought might be fraud charges on my checking account atm card ?

Now also all my cards with this bank had my photograph on them so to pass any of my cards they would have had to look like me also and i never even used my credit card anywhere but online and never had to even take it out of my pocket because i had all my credit cards and even my atm card memorized ,so i never left it anywhere that it could have been used or passed off with my picture on it ! so they tell me that because there was a charge of like 34.00 made at a walmart in arizona and a charge in utah which i made online before i left that they now put a freeze on my checking account atm card .and when i spoke to the lady from the customer service from the bofa on my cell phone while in arizona she tells me that i better get out enough money from my account that will get me bye and head on back to my branch and take care of this account and have it changed ,because they thought that one of these charges might be fraudulent and then she after i got some money out she shut it down untill i got home .which ment turning around and ending my little vacation that i had started !

So when i get back to San Diego and go to my branch and tell the vice president of this branch what had happened she suggested that we change my account into another type of account and split what i had into two different accounts so i say okay and then asked her if she was transferring all my online merchants that i had set up to with autopayments . if she was transferring all these accounts so that all my bills would still be paid and i wouldn't get any late fee's or my credit card merchants would be also getting their payments on time like they had been prior to all of what she was doing .and she replied to me oh yes this is what is taking so long for me to get done!

well let me tell you she didn't transferr anyone of them and then i started getting letters in the mail and late fee's and then the this bank started giving me NFS charges to the from an account that was now cancelled and was getting billed for all these merchants and credit cards and my power bill and water bill and my cable bill and everytime that they tried to resend the checks or tried to get money from this account that was closed by the bank of america and i was never told that they never did set up all my online banking payee's. they kept charging me special handeling fee's and i then put 5000.00 from my discover card in cash into my checking account and they took over 2300 dollars in NFS charges !

plus when i refinanced my house in december i transferred 2399.00 onto my discover card right before i paid it off and should have gotten a credit on my bofa credit card in january. but instead they somehow reversed this transferr and i paid off 15491.00 on my credit card which was the intire bill plus the a ton of other charges on it and double interest for 6 months on 17000.00 because of all the interest charges that had doubled and fines and fees. and so in febuary i should have gotten a credit of at least this 2399.00 that was included with the discover card payoff !

this bank added the 2399.00 plus another 777.00 of interest from they said december of 2005 ! so i get a bill for 3000.00 some dollars in febuary of 2006 and should have been a credit on it for at least that amount not to mention the fraud charges i paid off and all the interest i paid ! that added up to thousands of dollars !

so i write them a letter one of over 250 emails and i ask them to please stop paying all of my merchants on my now new checking account because they where draining it down on a daily basis and wanted them to please send me back my statements from june of 2005 when all this started. and they tell me that we are sorry but we can not find the account number that you have given us which i gave them my old checking account number that would have showed all the money that they had taken from my checking account and credit cards ! they tell me we can not find this account number that i have had with this bank since 1990 and they say they don't have it~ because this has all the info on it that would have proved all that they have taken but i do have credit card statements that prove most of this and also if you just look on my credit report it all is there in black and white !

All together i figure that just in NFS charges this bank took over 8 or 9 thousand dollars over 275 of them most where 35.00 each plus this is not even the whole thing. my credit rating because of all that has just been a domino effect has fallen to under 500 and even my insurance on my car is effected by this and this has caused me to have to file bankruptcy just to keep from losing my house. and as of now the stay has been lifted from my bankruptcy and my morgage company is now going to try to take my house away from me which i put 157,000.00 down on this house when i bought it back in 2001 for 314,000.00 that's half down of my own money and also put another 100,000 into fixing it up and upgrading it and the property value has since dropped so drastically that i owe way over what it's worth and if i lose my house that will be the rock bottom for me. i will be out on the streets with no money since my wages are being garniashed from the chapter 13 i had to file for and i will have no credit plus a bankruptcy on my name now for 10 years and will have lost my original down payment of everything i had saved for my whole life and have three dogs big dogs too and a house full of furniture and appliance's with no place to put them and nobody will even rent to me with a bankruptcy on my name.all because this bank was greedy and they know that i can't afford a lawyer to fight them or sue them for damages ,because i have callled just about every law firm in the state and nobody wants to get into a fight with the bank of america with all their high priced lawyers they have without a huge retainer and nobody will take my case and work on it on a contingency basis or pro-bono settlement because they all know that this bank will draw this case out for years, and meanwhile i am the one who has and will suffer this loss ! and this is not justice !

It's bad enough that there are theives out there that can and will steal your identity and cost you all kinds of greif and pain and suffering like i have had the past 3 and a half years trying to get someone to help me on this

do something to make this write but it's even worse when the bank that you intrust with your money and trust takes you for way more than any identity theif could possibly take you for ! it's just not wright. and if there is any lawyer's out there that possible would consider taking this case for me and helping me out with this i don't honestly think that there is a judge in this land that would not side with me and make this bank pay me for all the pain and stress that i have gone through in with this bank ! and there is so much more even that i still have left out but this basicly gets the just of it said and like tyson price or dan powers think that this is all about these fraudulent charges it's not it's about what happens when a bank doesn't even try to help out or try to fix something that they are directly responsible for and how much money that having your credit distroyed and just eaten up by the super banks and what effect a bad credit report can and will do to someone ! all because they wanted to make more money in their interest and this is not about just these two fraudulent charges it does have somewhat effect on the way that these where handled but i know that i have put every effort into trying to get someone from this bank and everywhere to help me get this right without success!

my phone number is 619-xxx-xxxx(((REDACTED FOR SECURITY PURPOSES))) and i will talk with anyone who might have a solution or even that might want to back me in hiring a good aggressive lawyer to prosue this case against this bank !

Bruhaa
EL CAJON, California
U.S.A.