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Report: #636011

Complaint Review: Bank Of America - Internet

  • Submitted:
  • Updated:
  • Reported By: Noreen — Naples Florida U.S.A.
  • Author Confirmed What's this?
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  • Bank Of America US41 East Tamiami Trail Internet United States of America

Bank Of America Paid mortgage in Cash and it bounced Internet

*Consumer Comment: Noreen,

*Consumer Comment: Encore presentation of- DEBT TSUNAMI POEM

*Consumer Comment: Ronny G, It would also be correct to imagine the U.S. Government as a big ship....

*Consumer Comment: How Absurd!!!!

*Consumer Comment: Ronny G, In order to understand why there are so many problems that consumers are experiencing....

*Consumer Comment: reply to Karl..

*Consumer Comment: In addition..to note...

*Consumer Comment: This report is not related to the mortgage crisis..

*Consumer Comment: Noreen, All of the publicly held banks, like Bank of America, Wells Fargo, Chase, Citigroup, & the others, are ZOMBI BANKS.....

*Consumer Comment: Google all the steak dinner Obama poems you want...

*Consumer Comment: I could care less Karl

*Consumer Comment: STACEY, SINCE NBC IS LINKED TO THE FEDERAL RESERVE, DO YOU THINK THAT MIGHT BE A REASON WHY THEY DIDN'T ALERT THE AMERICAN PEOPLE ABOUT THE LETTER THAT WAS SENT TO THEM ABOUT THE COLLAPSE.....

*Consumer Comment: My bad

*Consumer Comment: Noreen, Make sure to go to the GM CREDIT CARD SERVICES page of this site and go to Ripoff Report #271454 and read the 3rd paragraph of 'Consumer Comment #1'.....

*General Comment: Why indeed...

*Consumer Comment: NOREEN, IF YOU WANT TO KNOW WHY THE STOCK MARKET WILL CRASH AGAIN YOU CAN FIND THE ANSWER BY....

*Consumer Comment: NOREEN, IF YOU WANT TO KNOW WHY THE STOCK MARKET WILL CRASH AGAIN YOU CAN FIND THE ANSWER BY....

*Consumer Comment: Why?

*Consumer Comment: Robert is right

*Consumer Comment: Noreen, If you'd like to know when the stock market will crash again simply go to the OBAMA page of this site and read the letter posted to President Obama.....

*Consumer Suggestion: What?

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I paid last months mortgage to BOA in Cash at the local branch. I received and an email stating I had bounced a check at Bank of America.  I have never written a check from Bank of America.  My mortgage was paid in cash but somehow I was charged $35.00 insufficient funds fee.  I immediately notified Bank of America on their 1-800 number of the mistake.  The woman on the phone at BOA assured me it was their mistake, she sees what happened.  The Bank Teller caused it and she would be happy to correct that and back out the unwarranted fees from my account.

Five days later I received a notice from BOA that I bounced this check.

Unbelievable, how long will we allow these banks to do this stuff to us.  I for one am broke living pay check to pay check.  They got a bail out, I didn't and now their stealing my money.  Which is a 2 billion dollar a year business for them by the way.

Contact politicians to put a stop to this and the credit card fees as well.

 

This report was posted on Ripoff Report on 08/31/2010 10:34 AM and is a permanent record located here: https://www.ripoffreport.com/reports/bank-of-america/internet/bank-of-america-paid-mortgage-in-cash-and-it-bounced-internet-636011. 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. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
21Consumer
0Employee/Owner

#21 Consumer Comment

Noreen,

AUTHOR: Karl - ()

POSTED: Friday, March 22, 2013

Please give us an update to your Ripoff Report when you have time. Thank You.

P.S. In order to find out when the stock market is going to crash again, simply 'Google' this- ALL READER COMMENTS BUSINESSWEEK LEROY YOAKAM, and click on the BusinessWeek link and read the comment that was posted on Feb 21, 2008 at 3:03 AM for the answer. (It is currently listed on 'Page 42'.)

Seven months after that comment was posted, in September of 2008, the stock market crashed. On September 29, 2008, the Dow Jones lost a record 777 points and the financial system in the USA melted down. You can 'Google' this- FRONTLINE: INSIDE THE MELTDOWN, and watch that documentary on the web for proof.

Have a great weekend!

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#20 Consumer Comment

Encore presentation of- DEBT TSUNAMI POEM

AUTHOR: Karl - (USA)

POSTED: Wednesday, May 11, 2011

DEBT TSUNAMI POEM

Call up Billy
Contact Tommy
It's a comin'
Debt Tsunami
What's goin' on
No one's thinkin'
All the big-shots
Must be drinkin'
Big ole budget
Who will pay
All tapped-out
Not feelin' gay
Lots of jerkos
All are grown
When they're home
They drink alone
This poem's over
Most can't think
But when at home
Alone they drink!

End.

"DEBT TSUNAMI POEM" was originally posted at this website on February 3, 2010. Anyone can type in 502469 and it appears as 'Consumer Comment #42' at Ripoff Report #502469.

Thank You

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#19 Consumer Comment

Ronny G, It would also be correct to imagine the U.S. Government as a big ship....

AUTHOR: Karl - (USA)

POSTED: Sunday, September 05, 2010

like the Titanic.


There's a large hole in the hull, which is basically the foundation of the ship, and it's bringing aboard more water every day. As the ship takes on more and more water, the laws of nature will take over and the ship will eventually sink, wouldn't you agree?

I believe that the U.S. National debt is over $13.4 TRILLION at this moment. Anyone can 'Google' this- U.S. NATIONAL DEBT CLOCK: REAL TIME, and go to that site to check it out.

Thank You

P.S. Get your life preserver ready, okay?
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#18 Consumer Comment

How Absurd!!!!

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

POSTED: Saturday, September 04, 2010

That is the most idiotic thing I have heard - watch "Titanic"???

Please - maybe you should watch "Nuremberg" - you will probably find something to say about the economy with that one

Go Away Karl - no one cares

 

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#17 Consumer Comment

Ronny G, In order to understand why there are so many problems that consumers are experiencing....

AUTHOR: Karl - (USA)

POSTED: Saturday, September 04, 2010

one must be able to understand the "root" of all the problems, wouldn't you agree?


*Here is the "root" of the problems, and why so many consumers in this country are receiving "insufficient funds fees", like Noreen: 

The banks, like Bank of America, have so many 'toxic assets' on their books that they need to do everything humanly possible in order to generate profits to prevent another collapse.

The American people are not going to allow another 'bail-out' of the banks, with taxpayer's money. So the banks are now targeting millions upon millions of consumers each day by assessing fees to customers. (Many who shouldn't be receiving them.)

If millions upon millions of consumers receive 'fees' each day, the banks make tens of millions of dollars in profits each day, right? Let's face it, the banks aren't lending the money out as they used to, correct?

It's a new 'business model' that the banks have put into motion in order to stay 'afloat'.

Think of all the big banks in the USA as one giant ship. Let's name the ship- 'Titanic'. There's a hole in the hull of the 'Titanic', and it's bringing aboard more toxic debt every day. The captain knows that he needs to continuously 'pick the pockets' of every passenger in order to pay these toxic debts.

Go rent the movie 'Titanic' and watch it. 

Make sure to watch the ending when that huge, luxurious, unsinkable, ship sank to the bottom of the ocean. Pay attention to all of those who were left in the water. 

Thank You


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#16 Consumer Comment

reply to Karl..

AUTHOR: Ronny g - (USA)

POSTED: Friday, September 03, 2010

..okay, you have stated your opinion...which I quote from your last reply...


"Things are not going to get better, in my opinion."

Also take note, in the title of this reply, I did not choose to use all capital letters in order to attract attention.

Now you also state and I quote...

"The politicians don't know what to do. The economists don't know what to do. The FED doesn't know what to do. They're hoping, wishing, & waiting for things to get better."

If you actually read and comprehend this particular report...it SIMPLY states the poster claims to have a bounced check fee, but had never written a check.

The report also clearly states in the very first line that the mortgage payment was made in cash.

Myself and a few others merely asked simple questions to get to the bottom of this. You on the other hand have left no helpful advice or suggestions, but merely predict "in your "opinion", that nothing is going to get any better, and that the economists, politicians and Feds do not know what to do.

So tell us Karl please, kindly tell us...what did your reply do to contribute to helping this poster or anyone for that matter?..unless others out there equally enjoy and exploit a doomsday scenario as much as you?





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#15 Consumer Comment

In addition..to note...

AUTHOR: Ronny g - (USA)

POSTED: Friday, September 03, 2010

We have yet to hear back from Noreen regarding this report. As a matter of fact...it is so quiet a pin dropping is hurting my ears.

Surely Noreen has internet access and email or she would not have been able to submit this report.

So what is the hold up? All we requested was the info on the receipt of the cash payment, and info regarding the bounced check fee on a check that is claimed to have never been written.

Not exactly asking anything unreasonable so why no response? These are fairly serious accusations against this bank. I am no fan of this bank and would rather keep my money in a cookie jar then trust BofA...but nevertheless, if you lodge a complaint, you need to be able to back it up..just like we all have to back up our rebuttals. This does not included engine sludge and steak dinners..but simply to document how a cash payment was not credited, and how a bounced check fee could be applied to a check claimed to have never been written.

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#14 Consumer Comment

This report is not related to the mortgage crisis..

AUTHOR: Ronny g - (USA)

POSTED: Friday, September 03, 2010

To get to the bottom of this report..we only need to know if there is a dated receipt for the cash payment of the mortgage..and documentation of the check that bounced which is stated in the report was never written.

Oh..we can all google until we are blue in the face and no surprises will be exposed over who caused the economic downfall. But this information will not conclude how this poster is being charged a bounced check fee for a check never written, or how a cash payment was not applied to the monthly mortgage.

Would you not agree Karl..that we need to determine these factors via documentation before any advice or suggestions are given on how to seek recourse if applicable?


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#13 Consumer Comment

Noreen, All of the publicly held banks, like Bank of America, Wells Fargo, Chase, Citigroup, & the others, are ZOMBI BANKS.....

AUTHOR: Karl - (USA)

POSTED: Friday, September 03, 2010

according to one of the people interviewed in the documentary entitled- "Fall Of The Republic".


You can 'Google' this- YOUTUBE FALL OF THE REPUBLIC, and watch it on the web. Make sure to listen to what the people in that documentary said about the banking system in the USA.

*It basically boils down to this-

A group of people decided to 'trick', 'deceive', & 'manipulate', the masses of Americans into buying and re-financing homes after the FED lowered the rate to 1% back in 2003. The interest rate was manipulated in order to 'lure' Americans into taking the 'bait'. Millions took the bait and found out that all of those ARM's and 'Interest Only Mortgages' weren't what they had expected.

However, the 'big-shots' were all making millions upon millions of dollars because they were bundling and selling all of these mortgages to investors all over the world. Many of the banks, like Bank of America, Wells Fargo, & others, fell prey to the massive fraud and invested in these securities as well.

Guess what?

Millions upon millions of people began to realize that they couldn't afford their new payment, and MILLIONS upon MILLIONS of foreclosures started to take place. Those foreclosures were also the root of the massive JOB LOSSES in this country, and it eventually trickled down to the entire economy. Now there are people who never took out an ARM or an 'Adjustable Rate Mortgage' that are losing their jobs as well and they're being forced into foreclosure.

All of those job losses did damage to the credit card industry because people could no longer afford to pay that bill each month. When people lose their jobs, they can't afford to pay their school loans, credit card bills, car loans, & other loans that eventually go to the BANKS. The banks are now in a position to do whatever they can to stay afloat.

That's WHY so many consumers are experiencing problems because the banks are TARGETING as many consumers as possible.

The housing industry is the FOUNDATION of America and its economy. The foundation is now broken. Nothing is going to fix it because once a foundation is broken the rest of the house eventually falls apart.

Starting in 1994 the Federal Reserve was given more authority to oversee the mortgage industry in this country. That was a BIG mistake. Now the USA is in deep trouble because of what took place and jobs are not being created.

The politicians don't know what to do. The economists don't know what to do. The FED doesn't know what to do. They're hoping, wishing, & waiting for things to get better.

Guess what?

Things are not going to get better, in my opinion.

WELCOME TO THE U.S. ECONOMY- ONE TOXIC MESS
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#12 Consumer Comment

Google all the steak dinner Obama poems you want...

AUTHOR: Ronny g - (USA)

POSTED: Thursday, September 02, 2010

..but it still will not answer why this poster was charged a bounced check fee when the mortgage was claimed in the report to have been paid by cash.

Certainly there must be some evidence by receipt of a cash transaction for a mortgage payment?...or the bank can produce a copy of this check which the OP claims was never written?

Not to say the banks are always innocent of wrong doing...but I do not think googles of steak poems and engine sludge are going to help much in this case.

Now I have kindly asked karl several times not to use my name in the titles when posting responses..unless the OP was me, and he continues to do so...and I have asked him to kindly refrain from using other peoples complaint threads to soap box his predictions and steak dinner poems...but apparently he believes he is somehow helping posters by exposing steak dinners and poems and engine sludge and who runs the fed and ponzi schemes and secret life insurance policies.

I try oh so hard to ignore it...but it doesn't seem to make it go away. Certainly reasoning and pleading will not help as I have tried. I do feel it is a good thing that this site allow total freedom of speech...but there comes a point when one person can be so disruptive and distracting that it is taking away credibility of this site and consumers reports and rights...that I feel if operator of this site really cares about consumers rights..that he ban this Karl or at least give him fair warning to stop hijacking threads and either offer consumer comments/advice related to the report or constructive criticism related to the report only.

When a consumer lodges a complaint like this for example regarding possible bank charging error...what good is it doing to post these responses titled in all capital letters for the most attention grabbing distraction relating to stock market crashes, steak dinners and Toyota engine sludge?

Has anyone actually lodged a rip off report against karl for ripping off consumers fair time and space and right on this site to lodge complaints and not have distractions regarding toyota engine sludge and insurance policies?

While I can agree some of Karls info is factual....it does not do any good to help a consumer report by grabbing attention away from the actual report..to have others google info that is already known...or that those who don't believe it will not anyhow simply because of some troll suggesting googles.

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#11 Consumer Comment

I could care less Karl

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

POSTED: Thursday, September 02, 2010

Just take your google crap and go away!

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#10 Consumer Comment

STACEY, SINCE NBC IS LINKED TO THE FEDERAL RESERVE, DO YOU THINK THAT MIGHT BE A REASON WHY THEY DIDN'T ALERT THE AMERICAN PEOPLE ABOUT THE LETTER THAT WAS SENT TO THEM ABOUT THE COLLAPSE.....

AUTHOR: Karl - (USA)

POSTED: Thursday, September 02, 2010

of the stock market back on 9-12-2007 when the Dow Jones was at 13,291 points?


You can 'Google' this- STEAK DINNER POEM, and that should take you to Ripoff Report #529757 where an exact copy of the hand-written letter that was mailed to NBC's corporate headquarters appears in 'Consumer Comment #1', okay?

(It's the same Ripoff Report where "WIKILEAKS SONG 10" currently appears.)

Make sure to 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts so you can see that "General Electric (NBC)" both appear in 'Chart 5', alright? 

*Perhaps the 'big-shots' at NBC didn't want to get their bosses at the Federal Reserve in any trouble, huh?

Thank You

P.S. If you ever want to send a letter to NBC's corporate headquarters in New York, simply go to the RICHMOND TOYOTA page of this site and go to Ripoff Report #271771, and then go to 'Consumer Comment #1' which was submitted exactly three years ago today on September 2nd, 2007.



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#9 Consumer Comment

My bad

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

POSTED: Wednesday, September 01, 2010

Godsmack has a song called "Go Away" I think they wrote it with Karl in mind

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#8 Consumer Comment

Noreen, Make sure to go to the GM CREDIT CARD SERVICES page of this site and go to Ripoff Report #271454 and read the 3rd paragraph of 'Consumer Comment #1'.....

AUTHOR: Karl - (USA)

POSTED: Wednesday, September 01, 2010

which was posted almost 3 years ago on September 3rd, 2007.



*The Dow Jones was over 13,000 points on that day and it reached its all-time high close of 14,164 points five weeks later on October 9th, 2007.



Would you consider that to be a "creepy" comment?



Have a nice evening.



WELCOME TO THE U.S. ECONOMY- ONE BIG PONZI SCHEME
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#7 Consumer Comment

NOREEN, IF YOU WANT TO KNOW WHY THE STOCK MARKET WILL CRASH AGAIN YOU CAN FIND THE ANSWER BY....

AUTHOR: Karl - (USA)

POSTED: Wednesday, September 01, 2010

'Googling' this- THERE IS NO GAS SHORTAGE, and go to the BusinessWeek article dated April 1, 2008, and then go to the comment that was posted on May 31st 2008 at 9:13 PM.


(I believe that comment is on, or around, 'Page 10' in the comments section.)

*It's also the reason the U.S. economy collapsed and why there are so many problems in this country.

Good luck to you.
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#6 Consumer Comment

NOREEN, IF YOU WANT TO KNOW WHY THE STOCK MARKET WILL CRASH AGAIN YOU CAN FIND THE ANSWER BY....

AUTHOR: Karl - (USA)

POSTED: Wednesday, September 01, 2010

'Googling' this- THERE IS NO GAS SHORTAGE, and go to the BusinessWeek article dated April 1, 2008, and then go to the comment that was posted on May 31st 2008 at 9:13 PM.


(I believe that comment is on, or around, 'Page 10' in the comments section.)

Good luck to you.
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#5 General Comment

Why indeed...

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

POSTED: Tuesday, August 31, 2010

I once received an email from the "staff" at RipOffReport" concerning Karl and it ultimately boils down to the fact the "staff" doesn't want the responsibility of moderating threads. Sure, they'll redact the name of a competitor but they don't want to do anything against Karl. He knows this and since any well moderated forum would have booted him ages ago, Karl knows that he can post with impunity.

He was much more tolerable when he only posted in Bank of America threads. Unfortunately, he didn't feel like he was getting enough attention there and has since expanded. You cannot appeal to his senses of logic or even decency because he does not posses these things.

It's best to just read around his posts and to refrain from addressing him.

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#4 Consumer Comment

Why?

AUTHOR: Hugh Jorgen - (USA)

POSTED: Tuesday, August 31, 2010

Why is Karl allowed to post anything on this site?

He's kind of creepy.

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#3 Consumer Comment

Robert is right

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

POSTED: Tuesday, August 31, 2010

If you paid CASH then take your receipt to the bank


I do not understand the bounced check statement

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#2 Consumer Comment

Noreen, If you'd like to know when the stock market will crash again simply go to the OBAMA page of this site and read the letter posted to President Obama.....

AUTHOR: Karl - (USA)

POSTED: Tuesday, August 31, 2010

that appears in the comments section at Ripoff Report #634108, okay?


Just type in- OBAMA, and go to Ripoff Report #634108 and read 'Consumer Comment #6'. 

*That comment will guide you to where the answer can be found in regards to when the next stock market crash will happen, alright?

Good luck to you.

Write a letter- you'll feel better.


******************************* POEM ALERT *******************************


Anyone can 'Google' this- POLITISHIN POEM, and it might take you to where it is posted.



Write a poem- they'll all know 'em.
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#1 Consumer Suggestion

What?

AUTHOR: Robert - (USA)

POSTED: Tuesday, August 31, 2010

What does the RECEIPT the teller gave you state?

Whenever you make a cash payment, you get a receipt-that's your proof that you paid, and that you paid with CASH.

I would go to the branch where you made the cash payment, armed with your payment receipt in hand, and demand the branch manager contact whomever he/she must to correct this on the spot-while you wait.

Good luck.

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