Bank of America/FIA Card Services Mr. Brian T. Moynihan, CEO fraud, credit protection service charged for but never ordered, false interest fees and late fees, police reported harassing phone calls Charlotte, North Carolina
HUSBAND AND I BOTH ON THE PHONE WHEN CALLING B OF A IN DEC OF 2009 ASKING TO LOWER INTEREST RATE. B OF A SALES PERSON TRIED TO SELL US PROTECTION PLUS AND WE WOULDN'T HAVE TO PAY OUR BILL FOR 18 MOS. SOUNDED TOO GOOD TO BE TRUE, TOLD HIM NO THANKS, BUT YEAH, YOU CAN GO AHEAD AND SEND US INFOR. PUTS US IN TOUCH WITH FIN. DEPT. TO GET INTEREST RATE LOWERED. FILLED OUT APPL. WITH WOMAN WITH BOTH OF US ON THE PHONE LOWERED INTEREST RATE AND MO. PYMT WOULD NOW BE $131 PER MONTH. INFOR. HER THAT WE NO LONGER USED THE CARD AND WERE ONLY INTERESTED IN PAYING IF OFF. TOLD ME IN ORDER TO HAVE NEW RATE SHE WOULD HAVE TO LOWER OUR CREDIT TO $7,200. NO PROBLEM. THREE MONTHS OF PAYMENTS GO BY AND I NOTICE IT'S NOT $131 MIN. PYMT AND A CHARGE FOR $65 TO CREDIT PROTECTION PLUS. GOT MAD AND CALLED. PASSED AROUND AT LEAST THREE OR FOUR DIFFERENT DEPARTMENTS HAVING TO EXPLAIN THAT I DID NOT ORDER PROTECTION PLUS. TOLD I NEED TO WRITE A LETTER STATING SUCH AND THEY WOULD REVIEW. GOT A LETTER BACK TELLING ME THAT I DID ORDER PROTECTION PLUS AND THEY WEREN'T BUDGING. CALLED SCREAMING AND TAPING PHONE CONVERSATIONS. FINALLY SPOKE TO SOMEONE AND HE TOLD ME I DID, IN FACT, ORDER IT BUT HE WOULD TAKE IT OFF AND REFUND MY MONEY, PLUS INTEREST. ASKED HIM WHERE MY $131 A MO. PAYMT WAS AND HE TOLD ME THAT WAS A ONE-TIME OFFER. INFORMED HIM, NO, THAT WAS NOT A ONE-TIME OFFER. ALSO ASKED HIM WHAT THE $30 SUM PURCHASE CHARGE WAS FOR AND HE TOLD ME THAT HE WASN'T SURE, BUT IT MIGHT BE A BAL. TRANSFER I DID. TOLD HIM THAT WAS A ONE-TIME $750 BAL. TRANSFER AND THEY COULDN'T RETROACTIVELY BILL ME FOR SUCH A THING AND THE BAL. ON THE CARD WAS LOWER THAN THE BAL. TRANSFER I DID IN '09. NEXT BILL I GET THE PROTECTION PLUS IS OFF, BUT THE CORRECT AMOUNT WAS NOT REFUNDED AND THEY CHANGED THE PURCHASE FEE OF $30 SUM TO A BAL TRANSFER. THEY ALSO ADDED PURCHASE FEES FOR THE BALANCE TRANSFER AND ADDED BOGUS LATE FEES WHEN I WASN'T LATE.
HAVE WRITTEN NINE LETTERS MAILED US MAIL CERTIFIED W/ RETURN RECEIPT TO CEO IN CHARLOTTE, NC. STARTED GETTING UP TO 10 PHONE CALLS A DAY FROM THEIR COLLECTION AGENCY RINGING TWICE AND HANGING UP. CALLED THE POLICE AND MADE OUT A REPORT. WROTE THE CEO, BRIAN T. MOYNIHAN, AGAIN TELLING HIM TO CALL HIS DOGS OFF FOR THE SECOND TIME. A LETTER IN RESPONSE FROM THEM ADMITTED THEY WERE THE ONES CALLING MY HOUSE. TOLD THEM I WORKED FROM HOME AND THEIR PHONE CALLS INTERRUPPED MY BUSINESS AND MY CELL PHONE MAILBOX OVERLOADED AND I LOST BUSINESS. BILLED THEM WHAT I BILL MY CLIENTS, 60 TO $75 AN HOUR PER RECORDED COLLECTION CALLS AND TOOK WHAT THEY OWED ME OFF MY BILL FROM THEM. PAID THEM APPOX. THREE MORE TIMES AT AGREED $131 PER MO. AND HAVE SINCE PUT THE REMAINING PAYMENTS IN ESCROW. MAIL THEM A COPY OF MY CHECK EACH TIME THEY SEND ME A BILL US MAIL CERTIFIED W/ RETURN RECEIPT. TOLD THEM TO CLOSE MY ACCOUNT. THEY WROTE ME BACK AND SAID THEY CLOSED MY ACCT PER GRANTER. WAY BACK IN MAY SOMETIME AROUND MY 5TH LETTER TO THEM. WROTE BACK AND TOLD THEM, HEY, TOLD YOU NOT TO CONTACT ANY REPORTING AGENCIES UNTIL THIS DISPUTE WAS RESOLVED. CLOSING THE ACCT. WITHOUT MY KNOWLEDGE AND BY GRANTOR DAMAGES MY CREDIT. TOLD THEM I WOULD REPORT THEM TO THE AUTHORITIES AND CALL THE REPORTING AGENCIES. HAVE HEARD NOTHING FOR TWO MONTHS. THEY CONTINUE TO BILL ME LATE PYMTS, PLUS INTEREST; TRANSFER FEE, PLUS INTEREST; PURCHASE FEE PLUS INTEREST. THEY KEEP TELLING ME THEIR IN-HOUSE LAWYER IS INVESTIGATING OUR ACCOUNT AND THEY'RE GOING TO TAKE ACTION, BUT HAVE DONE NOTHING BUT CON'T TO BILL ME.
VERY INTERESTED IN CLASS ACTION SUIT. HAVE READ A LOT ON THE INTERNET WITH CONSUMMERS HAVING THE SAME PROBLEM WITH B OF A AND FIA CARD SERVICES. THEIR COLLECTION AGENCY WAS FIRED BY THEM FOR HARASSING THEIR CUSTOMERS. SEE: ABC NIGHTLY NEWS WITH DIANE SAWYER B OF A COLLECTION HARASSMENT. YOU WILL SEE B OF A's CEO, BRIAN MOYNIHAN STATING HE HAD NO IDEA HIS COLLECTION AGENCY WAS DOING THAT. THAT'S A LIE BECAUSE I WROTE HIM SEVERAL TIMES TELLING HIM SO LONG BEFORE THAT REPORT AIRED.
I HAVE TAPED TELEPHONE CONVERSATIONS AND COPIES OF ALL LETTERS AND BILLS WITH RETURN RECEIPTS. VERY ORGANIZED.
4 Updates & Rebuttals
Karl
Highlands Ranch,Colorado,
USA
GLOBAL DEPRESSION POEM....
#5Consumer Comment
Tue, August 09, 2011
will be submitted at this website soon.
Make sure to 'Google', 'Bing' or 'Yahoo!' the following videos on the web to understand why there will most likely be a 'Global Depression' in the near future-
1) THE ASCENT OF MONEY PBS (Watch the episodes entitled- 'From Bullion to Bubbles' & 'Bonds of War')
2) AMERICA: FREEDOM TO FASCISM
3) FRONTLINE: THE WARNING
4) FRONTLINE: INSIDE THE MELTDOWN
5) YOUTUBE FALL OF THE REPUBLIC
Then stay at this site and type in 269041 and read what was posted in 'Consumer Comment #3' at Ripoff Report #269041. 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.
*****ALERT: For some odd reason, Ripoffreport.com will not come up in a 'Google' search as of 11:00 AM EST on August 9, 2011. Maybe the 'big-shots' now control Google, right? Just a few days ago it was possible to 'Google' this- BROCKOMIAN RHAPSODY, and that would take you to where the song was posted. Even 'Googling' this- STEAK DINNER POEM, would take you to Ripoff Report #529757. Neither will come up in a 'Google' search anymore.
WELCOME TO AMERICA- WHERE FREEDOM OF SPEECH IS OBVIOUSLY BEING MONITORED AND CONTROLLED BY THE ORGANIZED CRIME SYNDICATE
Karl
Highlands Ranch,Colorado,
USA
LINDA, DID YOU KNOW THAT....
#5Consumer Comment
Tue, August 09, 2011
the Hang Seng stock market in Hong Kong lost 1,159.87 points today?
Just go to the CnnMoney website and click on- 'Markets', and you'll be able to see that the Hang Seng lost 1,159.87 points on Tuesday August 9, 2011.
Exactly four years ago today, the Dow Jones had its first major hick-up and lost 387 points. On August 9, 2007, the Dow Jones lost 387 points. That was the start of the collapse of our system in America. That's when Countrywide was being exposed for all of those bad mortgages, and it kept getting worse throughout the rest of 2007 and into 2008.
On September 29, 2008, the Dow Jones lost a record 777 points. Yesterday the Dow Jones lost 634 points.
*Don't forget to type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041 to learn more about stocks and the stock market, okay?
Have a great day!
Karl
Highlands Ranch,Colorado,
USA
Encore presentation of- IMPEACH O'BOMB-A POEM
#5Consumer Comment
Wed, June 29, 2011
IMPEACH O'BOMB-A POEM
Tell your daddy
Tell your momma
Spread the word
Impeach O'Bomb-a
Feed your camel
Feed your llama
Tell the world
Impeach O'Bomb-a
Believes in war
Wears new pajama
He's one BIG joke
Impeach O'Bomb-a
This poem's over
I like Bahama
We need our 'change'
Impeach O'Bomb-a.
End.
"IMPEACH O'BOMB-A POEM" was originally posted at this site on May 3, 2011. Just type in 724176 and it appears as 'Consumer Comment #3' at Ripoff Report #724176.
Thank You
WELCOME TO THE U.S. GOVERNMENT- WE WILL DO ANYTHING WE CAN TO PROTECT THE CORRUPT BANKING CARTEL THAT CONTROLS WALL STREET AND THE GOVERNMENTS OF EUROPE AND AMERICA
Karl
Highlands Ranch,Colorado,
USA
Linda, Lying and cheating is the 'American way' to do business. It's the main reason the banking system collapsed in September of 2008........
#5Consumer Comment
Thu, February 10, 2011
because most of these Wall Street banks have their foundations solidly built on lies, deception, fraud, manipulation, greed, trickery, deep corruption, & the constant pursuit to financially injure the innocent people living here and all over the world.
Make sure to 'Google' the following documentaries and and watch them on the web for proof that most of the banking system in America is based on lies-
FRONTLINE: THE WARNING
FRONTLINE: INSIDE THE MELTDOWN
FRONTLINE: BREAKING THE BANK
FRONTLINE: THE CARD GAME
Now 'Google' this- THERE IS NO GAS SHORTAGE, and go to the BusinessWeek article from April 1, 2008, and read the comment posted on April 22, 2008 at 11:49 PM. (I believe it appears on 'Page 21' in the comments section.)
Here is part of that comment: "The more 'exposure' to the problems will collapse the weak corporations & the ones based on lies!"
That was posted five months before the collapse of the banking system in America, which occurred in September of 2008.
Now 'Google' this- A CREDIT CARD YOU WANT TO TOSS, and go to the BusinessWeek article about Bank of America dated February 7, 2008, and read the comment posted on February 21, 2008 at 3:03 AM. (I believe it appears on 'Page 41'.)
Now stay at this site and type in 269041 and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" and read everything stated in that consumer comment. Take a look at the date! It was posted on August 21, 2007. That was thirteen months before the collapse of the banking system and the stock market crash.
WELCOME TO THE WALL STREET BANKS- ONE BIG LIE