Report: Bank Of America
Category: Credit Card Processing (ACH) Companies
Bank Of America is VERY NEGLIGENT, very greedy, very EVIL and I have been fighting them for over a year now BALTIMORE Maryland
*Consumer Comment ..Are you a bit slow?
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Bank Of America
Fax:
BALTIMORE, Maryland, 21297-3279
U.S.A.
Submitted: 8/7/2008 9:23:16 AM
Modified: 10/22/2008 7:16:37 AM
Iris
anywhere, WisconsinI am writing this report to express my TOTAL DISGUST of the way Bank of America has handled the fraudulent charges on my account [reference to rip off report #269908, link: http://www.ripoffreport.com/reports/0/269/RipOff0269908.htm ] and the continual FALSE CLAIMS they have inflicted upon my credit report for nearly a year now.
This all started on July 19, 2007 when I had discovered 2 fraudulent charges for $80.00 each [not including the foreign transaction fee] on my credit card. Charges listed as STC SAWA RECHARGE RIYADH SA. I had googled only to learn that STC SAWA RECHARGE are prepaid phone card[s] for Saudi Arabian citizens. I had contacted Bank of America 3 times and sent an affidavit with proof that these STC SAWA RECHARGE charges are FRAUDULENT and UNAUTHORIZED.
I had received a letter from them on 9/10/07 that was backdated to 8/31/07, stating that they were 'unable' to reach me by phone, regarding my filed claim of fraudulent charges and that I need to contact their fraud department. They NEVER ONCE called me about the affidavit. NEVER ONCE. The lies from bofa begins.
So I had contacted their fraud department, only to get a recording of how they are investigating the charges and my account will be credited within 1 to 2 billing cycles. The 2nd billing cycle was on 11/22/07 and instead of having my account credited, they sent a letter to my OLD ADDRESS [I had moved on 9/4/07 and yes Bank of America HAS my new address on file. I had called them in advanced before I moved], stating that they are investigating my claim and how I will not be liable for the fraudulent charges, but I will be liable for any charges that incur on my card while they are investigating. I only know what the letter said because my old address is my parents house and my mother called me and read the letter over the phone to me.
Now what if my old address was some apartment and not my parents house? That is identity theft waiting to happen. If that doesn't sound bad enough, Bank of America started tacking on 'late payment charges' to the fraudulent charges. In addition to all of this, Bank of America has been reporting to the credit bureaus that I am 'late' and 'delinquent' on my account. All of this for FRAUDULENT, UNAUTHORIZED charges. Now WHY did Bank of America ALLOW these foreign charges on my account when American credit cards from all credit card companies DO NOT allow purchases [be it unauthorized or authorized] from foreign countries??? That question has YET to be answered from Bank of America.
I have gotten NOWHERE on the phone with them. All I get is the same song and dance of how they are still 'investigating' the charges. All the while my credit score is lowered further MONTHLY because of Bank of America's NEGLIGENCE and NEGATING responsibility of making the situation right.
I had received an email recently [June 2008] from Bank of America's customer service, stating that if I don't pay for the charges, they will turn my account over to a debt collection agency. Well, they can just go right ahead. I will NOT pay for FRAUDULENT, UNAUTHORIZED charges. I am saving the few pennies I have, because it looks like I will have to fight this out in court. I cannot get a loan to pay for a lawyer because of Bank of America's continual FALSE CLAIMS inflicted upon my credit report.
I am thoroughly disgusted. I have wished to God that I had NEVER, EVER EVER had gotten a credit card with Bank of America. NEVER. They rather drag someone's credit history through the mud and charge fees for FRAUDULENT, UNAUTHORIZED charges, keep the money they make FRAUDULENTLY than to make the situation right. This is not only CRIMINAL, it's WRONG on all levels, not to mention SADISTIC.
I want these FRAUDULENT charges OFF my account. I want the FALSE CLAIMS off my credit report and I want an APOLOGY from Bank of America for their NEGLIGENCE and the way they have treated me and RUINED my credit history.
Anyone who has an account with Bank of America and is reading this, you would be VERY WISE to CLOSE your account IMMEDIATELY, check your credit report and RUN AWAY from Bank of America. NOBODY should be going through what I am going through with ANY credit card company.
Iris
anywhere, Wisconsin
U.S.A.
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Updates & Rebuttals:
- Straw that broke the camel's back Iris [9/17/2008 5:59:27 PM]
- Bronson & Migliaccio lawfirm attempt to collect fraudulent 'debt' Iris [9/19/2008 12:58:02 AM]
- A Couple of Things Jim [9/19/2008 10:16:50 PM]
- Suggestion.. Robert [9/20/2008 12:11:25 AM]
- Boy oh boy there is no end to this Iris [10/7/2008 5:56:45 AM]
- Are you a bit slow? Nunya [10/22/2008 7:05:01 AM]
Straw that broke the camel's back
This is really and truly mind blowing that a corporation is allowed to break all the laws without being punished for doing so. Instead of taking the fraudulent charges off my account, they turned the account over to a collection agency so that they can further make more money illegally.
Bank of America is negligent, rude, unprofessional and a criminal enterprise. They will NOT get away with this. They WILL PAY for the way they have treated me and they WILL PAY for the FALSE CLAIMS they continue to put on my credit report.
Bronson & Migliaccio lawfirm attempt to collect fraudulent 'debt'
I received a letter from them a few days ago. They are trying to collect the 'debt' [stemming from fraudulent charges] on Bank of America's behalf.
I DO NOT owe anything to Bank of America. It's Bank of America who OWES ME an APOLOGY for the way they have treated me and RUINED my credit history.
I will send a cease and desist letter to this Bronson & Migliaccio lawfirm. Should they violate the order, they will be subject to several various remedies available to me, both legal and criminal. If they want to sit next to Bank of America for fraud, then so be it. I draw the line when it comes to subtle harassment from Bank of America in attempts of continuing to collect money illegally all the while they drag someone's credit history through the mud. It's CRIMINAL, WRONG and SADISTIC.
A Couple of Things
First, you shouldn't expect any bank to contact you via telephone over something like this and I'm sort of surprised they would admit doing this. The problem is that even if you spoke with them on the phone, the conversation you'd have with them would be worthless. This is a document circle-jerk and nothing done verbally has any value in this process. This is something you send to these people - certified return receipt - each time you transact something with the bank.
For $80, they ought to just refund you the money. There is enough documentation to show doubt regarding the validity of the transaction....but...?
Suggestion..
As much as you want to see someone 'fry' for this so to speak, you need to take the emotion out of it. This comes down to a civil matter and there is nothing criminal that would be brought against BofA or the collection agency.
However, if you have notified the collection agency to not contact you again and they do that is a violation of the Fair Debt Collection Practices Act(FDCPA). Which you could take them to court for. BofA and the Collection agency could also be subject to violation of the Fair Credit Reporting Act(FCRA) if you can prove that they knew the items they were putting on your credit report were false. Again these are both Civil Matters.
Not sure what BofA actually did to investigate the claim. But it seems that it should have been enough that you are in the US and had the credit cards(I assume) but the charge was from Saudi Arabia. It may take you filing a suit against them to get everything brought out and repaired.
Boy oh boy there is no end to this
A cease and desist letter was sent to Bronson & Migliaccio lawfirm on September 22, 2008. No response back from them. Yesterday in the mail [October 6, 2008--two weeks later], I received a letter from an 'Astra Business Services'. Astra Business Services is a collection agency. I will ASSUME that Bronson & Migliaccio chickened out and this Astra Business Services was given the job to continue harassing me.
Now on both of these collection letters, there's the name of 'Cach LLC' listed and this Cach LLC is claiming to be the 'new creditor'. I looked up Cach LLC and Cach LLC is Collect America. From the research I've done, Collect America is one of the biggest scum collection agency collectors in this country who outsources to India and goes by other names to keep the millions-of-dollars-a-year income coming in.
I will send a cease an desist letter to Astra Business Services and to this Phillip Scott Lowery who is CEO of Collect America. Mr. Lowery and his franchises will be subject to various remedies, both legal and criminal. Especially criminal because now they are subject to violation of FCRA [Fair Credit Reporting Act]. I have my credit reports from the three credit bureaus and on the reports, it shows that Bank of America reported my account [stemming from fraudulent charges they never took off and REFUSED to take off] as being 'delinquent' and 'late' and they closed the account [after several months of racking up more fraudulent charges and giving me nothing but song and dances about how they are 'investigating' it and will take the charges off my account] WITHOUT MY permission and wrote the account off as a loss and also it says on the reports that the account was 'purchased by another lender', but it does NOT state who the 'lender' is.
Again this 'debt' [stemming from fraudulent charges] Collect America is hell bent on collecting is NOT valid. Obviously they have a block between their ears and a blindfold over their eyes and obviously they like to sit next to Bank of America for fraud. Same applies to the credit bureaus. Now WHY are these credit bureaus protecting Collect America? As of late, I've been hearing nothing but NEGATIVE things about the credit bureaus.
I will continue disputing the negative item on my credit reports. Bank of America [and anyone else who helps them for that matter] will NOT be getting away with this. They will PAY one way or another. Even if this takes several more months or even years. They WILL pay.
Are you a bit slow?
You completely ruined your credit over an amount as trivial as $160? Lol. You keep saying THEY will pay. No, they won't. They have billions of dollars and couldn't care less about your business. Take a step back and look at the situation. The only person this is affecting negatively is YOU. You lost. Get over it. Except now, you are out $160 AND your good credit standing. Well done!
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