Life work destroyed!
My home, my entire lifetime of working a minimum of an 80 hour work weeks, taking our first vacation only 7 years back going to NYC after 911,and for the last 35 years, is in ruins.
The catalyst was Bank of America.
Heck, my 20 plus year Premier checking account that I have closed 4 times now, is still open accumulating fees as we speak!
I was considered one their "most valuable customers".
My mother worked banking her whole life. I was brought up to believe the people within those vaulted walls were the most honorable and integrable people, and could always be trusted!
From the "I am so sorry, though you have never been late" letters to raise interest rates from 3 and 5 percent to 30 percent, to transferring payments on my home back into my checking which had us fearing to deposit monies to pay our bills through them, especially those they had with us that were mysteriously were not canceled on my overdrafted protected account via auto pays, when they attacked us because of their unwise executive decisions, has left me hopeless and in ruins! I feel like such a failure, a loser, and without any faith in our nations banking industry.
I worried about my credit rating! To me it was vital to survive and not to be messed with. I was also so proud of the numbers, jointly and individually as a woman, that we scored.
How ironic, I was someone who 'paid it forward' so to speak, from getting an Iraqi war vet's mom a home and many other single parent families, that I will soon be homeless myself! At my age, with the economy as it is, and having only my hard work ethics to offer, finding employment to rebuild, is near impossible.
I paid my bills always on time and never the minimum that is required. Between Bank of America, Discover and Chase, (I won't share what the insurance companies contributed, we have discovered there is a loophole for all the extra protection's sold to us in order to prepare for the shaky economy to keep us viable, I have no more faith.
Loan sharks are more honorable. Definitely less costly!
I would like to share my experiences with them to a lawyer or Congressmen who will look at my documentation of events that had led us to bankruptcy and giving up our family home!
I never asked anyone in my life for a handout, accept personal responsibility for my actions but was no match against Bank of America's pirates. Besides letters written and received, emails and online records (scanned before I was denied access to my own accounts online btw), phone calls and a years work of documentation, I would like them to get what they deserve.
Whether it helps my family, doesn't seem as important anymore. But the rage, the anger, the bitterness and how it has effected me personally, I need closure.
A closure that cannot be done until the despicable, UnAmerican, TREASONOUS actions of Bank of America is investigated!
I cannot believe that this could happen in our country! From the phone calls from India on Christmas Eve when only 10 days late, a first and the result of the games they played on us previous robbing us of months of income for service charges, all the while going through chemo, which was what I think when I told them in preparation to insure timely payments via auto debits. It's like they red flagged me after that!
Imagine with all the offices they have, and if 1 percent of their customers who cared about their credit scores, if held hostage because the thinking they will pay to protect those scores and were treated this way, the kind of money Bank of America made!
Sure, I admit, times were lean and extra funds were almost bare. But, we lived "lean and mean" and were more than willing to eat cereal for supper before not paying our bills. We would do without phones, cable, whatever, before not paying our bills.
Not even, 4 years back, when my husband endured lung cancer, we left the hospital debt free but then they were not told! It does make me wonder if being so truthful and honest, led to our downfall.
We even sold all we could, canceled my health insurance in order to keep our credit stable! Nothing was ever enough!
Every penny was robbed on an account with overdraft protection.
The first banking error, when addressed at the local branch instead of the faceless customer service, gave us back half and assured us that all auto payments, 100% monthly bills paid on 1st to insure they got paid, was to be stopped.
Even after we left them, they re opened the checking account.
I hope there is karma for those so called "geniuses" rewarded so well and they get what they deserve. They destroyed this country and someday my grand kids will read about this rape on middle class America by the bank that shares our nation's name in school and in the history books. That is if this country isn't ruined by such deceit!
It hard to realize, your entire life was for nothing! That you feel like such a loser! It hard to believe that the only thing I ever wished for, that my grand kids be secure, is gone.
I do not wish this on anyone. Can anyone help advise us on who is brave enough to take them on?