• Report: #573601

Complaint Review: Bank Of America - BOA

  • Submitted: Tue, February 23, 2010
  • Updated: Thu, June 14, 2012

  • Reported By: Saganhill — Wyoming Michigan U.S.A.
Bank Of America - BOA
6464 28th street Grand Rapids, Michigan United States of America
  • Phone: 616-575-3631
  • Web:
  • Category:

Bank Of America - BOA BOA Dishonest, fraud, lied, unethical, FHA fraud Grand Rapids, Michigan

*General Comment: Well I am not a BOA employee but here goes

*General Comment: Anonymous Bank of America Coverup Replies Again

*General Comment: Bank of America Employees Writing False Supporting Relies To Coverup Misconduct By BAO

*Author of original report: Thats not what he stated

*General Comment: BOA was upfront with you.

*Consumer Comment: STOCKS ARE DOWN POEM

*Consumer Comment: WAKE-UP POEM 2

*Consumer Comment: WAKE-UP POEM

*Consumer Comment: *Saganhill, By posting complaints all over the worldwide web at sites like Twitter & Facebook we can let the world know that the USA is a country whose foundation is solidly built on- LIES, DECEPTION,

*Author of original report: Twitter?

*Consumer Comment: SAGANHILL, YOU CAN DO THE SAME THING THAT....

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I was going to buy a house and a relative recommended Bank of America for my FHA.  I filled out some paperwork and was pre-approved for an FHA backed mortgage.  I told the BOA agent that I only had 3% down and that this was what I had to work with.  This was for a house that cost 59,900.  I make 50K a year.

He says, well, lets get into the system at 10% down and then we can re-negotiate for the 5% you want.  You will get he says.  I receive all the paperwork in the mail of the approved 10% and I made an appointment to see him a day after I received the BOA paperwork.  I asked him what we now needed to do to get the 5% approval.  He looks at me and asked if I can get the other money from my parents, I said NO, and told him that this was what I had to work with and that another 5% would push me back another 45-60 days so I can save the money.

This is where it gets gritty and unethical.  After this meeting, I send him an email stating that I only have 5% down and for him to renegotiate the loan like he said he was.  Instead, he CALLS the listing agent for the SELLER and tells them all about the buyers situation!  He confides information to them that is private and makes no apologies about it.

Next, I get a call and emails from furious listing agents and my realtor asking me why things are falling apart.  I told them what I am writing now.

To top it all off, BOA is going off a credit report that is not accurate and does nothing to help me fix it.  They do not even offer other options to get it fixed.

I will never do business with this lying, cheating, unethical, corrupt bank again and I will do everything in my power to convince other potential customers NOT to do business with this bank.

 


This report was posted on Ripoff Report on 02/23/2010 07:20 AM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America-BOA/Grand-Rapids-Michigan-49546/Bank-Of-America-BOA-BOA-Dishonest-fraud-lied-unethical-FHA-fraud-Grand-Rapids-Michi-573601. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
2Author 9Consumer 0Employee/Owner
Updates & Rebuttals

#1 General Comment

Well I am not a BOA employee but here goes

AUTHOR: Steven - (U.S.A.)

"He stated that I could get the 5% down to begine with.  I dont see how you can reconstruct this story when I clearly stated what he said to me.  There are no "Maybes" about this.  He only wanted to get me into the system and took a risk (MY RISK) that my parents would come through at the last moment.  They didnt.  He only had to walk away.  He knew I could not get any more money.  He's was a cheat and a liar.  AS is BOA in general."

Yep you said you only had 3 percent to begin with and that was what you had to work with. Did you have any resources that you could have used but didn't want to? Like maybe take out a loan from your 401K? Last I heard you could get money from your 401K to buy a house and not be penalized for it.

Another solution would have been for the bank to say "Well see ya later. 10 percent or nothing" then you would be writing on ROR how BOA or no other bank would work with you. Are you a veteran? If so you could have used the GI bill.

"To top it all off, BOA is going off a credit report that is not accurate and does nothing to help me fix it."

The banks do not have a responsibility of updating or correcting your credit report. That is your responsibility. You document the problem and go to the reporting agency and say this is false or this is old and can come off.

" Instead, he CALLS the listing agent for the SELLER and tells them all about the buyers situation!   He confides information to them that is private and makes no apologies about it.

Next, I get a call and emails from furious listing agents and my realtor asking me why things are falling apart. "

What private information did the share that they shouldn't have? You didn't have the 10 percent down and see if they were willing to work with you for 5% down?
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#2 General Comment

Anonymous Bank of America Coverup Replies Again

AUTHOR: paralegalwerewolf - (USA)

When will Bank of America stop its employee's from writing replies supporting the bank with general, not specific, responses ?

If more people closed BOA accounts we all would be better off.

Michael Kevin DuPont
paralegalassociates@hotmail.com

857-756-4583
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#3 General Comment

Bank of America Employees Writing False Supporting Relies To Coverup Misconduct By BAO

AUTHOR: paralegalwerewolf - (USA)

Again the Bank of America has an employee or employees family member writing a misleading general hypothetical reply to coverup for BAO misconduct as your surrebuttal posting specific facs point out. Please do not be discouraged because you can check other BAO complaint replies to view the anonymous replies which support the Bank of America. My only question is, does the BAO pay a full time employee just to write these coverup replies on rip off report and other similar websites ? Rather than wasting an employee's salary covering up your misconduct, wouldn't it be better business for the BAO to pay a full time employee to investigate all rip off report (and  similar website) complaints and give the complainants a fair and just solution to the problem or at the very least a written appology ?

Michael DuPont
1-857-756-4583
paralegalassociates@hotmail.com

ps. Any of your cowards writing the anonymous supporting replies for the BAO can call me to reveal your identity if BAO would terminate your employment if you posted your identity on this and similar websites
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#4 Author of original report

Thats not what he stated

AUTHOR: Saganhill - (U.S.A.)

He stated that I could get the 5% down to begine with.  I dont see how you can reconstruct this story when I clearly stated what he said to me.  There are no "Maybes" about this.  He only wanted to get me into the system and took a risk (MY RISK) that my parents would come through at the last moment.  They didnt.  He only had to walk away.  He knew I could not get any more money.  He's was a cheat and a liar.  AS is BOA in general.
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#5 General Comment

BOA was upfront with you.

AUTHOR: IamGood - (USA)

They told you the loan was going to cost you 10% down, but they would try to renegotiate.  I guess they were unsuccessful.    The got you pre approval for 10% down loan, and that is why they showed you the house.  Perhaps the reason he could not negotiate a 5% down loan was that your credit report had issues where your lenders wanted  you to have more equity in the house.

Most Realators wont even show a house w/o a pre approval letter from the bank.  So  now the question here is, who was being decietful?    I say you.

Now, if your credit report is in accurate (according to your words), why the He### is it up to Bank of America to straighten it out for YOU!

You should have paid to get a copy of your credit report before you tried to get pre approval.  Then you could have done something for yourself.  

Typical of most Americans, they want other people to do their work for them.

Start saving  up 10% , that would have been only 6000k, you claim you had 3000.00, when you get another 3000, then go and  try again 
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#6 Consumer Comment

STOCKS ARE DOWN POEM

AUTHOR: Karl - (USA)

STOCKS ARE DOWN POEM

Stocks are down
Text Becky and Trent
Facebook has fallen
Over thirty percent
Stocks are an illusion
It's one massive lie
When oil goes up
Stocks usually go high
This poem is over
Be kind, never hate
Bank goons control oil
They will speculate!

End.

Anyone can 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web. Pay close attention to the names of the banks that were mentioned in that segment.

Feel free to stay at this site and type in- MOB SONG 24, and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" and read the following quote-

QUOTE: "The prices (values) that you see posted for a share of stock for a publicly held company are all a lie. It's an illusion." - August 21, 2007.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL
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#7 Consumer Comment

WAKE-UP POEM 2

AUTHOR: Karl - (USA)

WAKE-UP POEM 2

Wake-up everybody
Planet earth is a lie
It's controlled by the bankers
Who make good people cry
Wake-up all you Googlers
Time to get on the web
Revolution is here
Contact Bobby and Deb
Expose all the evil
Expose all the fraud
Expose all corruption
Bankers think they are God?

End.

Anyone can 'Google' this- "I'M DOING GOD'S WORK", and read the related articles on the web.

Feel free to 'Google' this- JOSIAH STAMP 1ST BARON STAMP WIKIPEDIA, and read one of his quotes that appears at that site. It starts like this-

QUOTE: "Banking was conceived in iniquity and was born in sin. The bankers own the earth. Take it away from them, but leave them the power to create money, and with the flick of the pen they will create enough deposits....." - Josiah Stamp

Josiah Stamp was a director of the Bank of England, according to information at the Wikipedia website. If you 'Google' this- WHO OWNS THE FED?, and go to the site with the five charts you will see that the Bank of England sits at the top of 'Chart 1'.

WAKE-UP!
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#8 Consumer Comment

WAKE-UP POEM

AUTHOR: Karl - (USA)

WAKE-UP POEM

Wake-up all you people
The USA is a lie
It's controlled by the bankers
Who make many folks cry
Wake-up everybody
Our leaders don't care
They're serving the bankers
That's why things are not fair
This poem is over
Pet your cat and your pup
Watch all nine videos
They'll help you wake-up!

End.

Anyone can 'Google' the following nine videos and watch them on the web for PROOF that a cartel of corrupt, greedy, and inept bankers control the U.S. Government, Wall Street, and even the price of oil-

1) FRONTLINE: MONEY, POWER AND WALL STREET

2) AMERICA: FREEDOM TO FASCISM

3) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY

4) YOUTUBE FALL OF THE REPUBLIC

5) INDYMAC BOYS GET SWEETHEART DEAL

6) EX-SALT LAKE MAYOR ROCKY ANDERSON FORMER DEMOCRACY NOW

7) FRONTLINE: THE WARNING

8) JACOB HACKER & PAUL PIERSON ON ENGINEERED INEQUALITY

9) DID SPECULATION FUEL OIL PRICE SWINGS

Then type in 269041 at this site and read what is stated in 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" in order to learn more about stocks and the stock market.

FACT: That consumer comment was posted on August 21, 2007, which was thirteen months BEFORE the collapse of the banking system and the stock market crash in September of 2008.

WAKE-UP!




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FRAUD, MANIPULATION, GREED, TRICKERY, DEEP CORRUPTION, & the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE LIVING HERE & ALL OVER THE WORLD, right?


Twitter is a site that's popular all over the world, correct? So is Facebook, right?



*Let the whole WORLD know what's going on in the USA. Maybe everyone will WAKE-UP, huh?



WELCOME TO AMERICA- ONE BIG ILLUSION
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#10 Author of original report

Twitter?

AUTHOR: Saganhill - (U.S.A.)

No offence but Twitter? I dont think so...
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#11 Consumer Comment

SAGANHILL, YOU CAN DO THE SAME THING THAT....

AUTHOR: Karl - (USA)

another person did on Twitter, right?

*If you 'Google' this- TOYOTA TWITTER SLUDGE, that will take you to a site where people are posting all kinds of information about Toyota & Lexus vehicles, correct? There are even videos available at that site!

I believe that Twitter is a popular site, wouldn't you agree? Perhaps you might want to consider starting some type of a 'Bank of America Twitter' page. It would probably become very popular, right?

Good luck to you, and keep spreading the word.

Thank You 
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