Bank of America Mortgages

We made a cash offer for a condo at Kihei Bay Surf in Kihei, HI. This is a cash offer- we're not asking for a loan. Despite this, we've waited over 7 weeks to hear and still today, nothing. How hard is it to approve a cash offer?

I'd paid on my home for fourteen years (1996 - 2010) and I had only six remaining years owed when I lost my job in October of 2008. In the interim of looking for re-employment, I had some income but I was short in my ability to pay my mortgage by only a few hundred dollars. I wanted a loan modification and I did not foresee a problem. After all, I had paid for fourteen years. This began my nightmare with BAC. I was told by a rep that I had finally got a hold of BAC, that if I could make up the shortage, then they could help me with a loan modification. Of course, my response was that if I had the additional, I would not have the need to call them in the first place! The ineptitude!

I, like all the many that are posted here, ran into problem after problem with Bank of America. Mine was a CountryWide loan bought out by BAC. I made call after call for a whole year! After one rep out of the few that I could get through to on the line instructed me that I should contact the Morman Church and see if they could help me, I took off for the nearest CountryWide office in my area and demanded assistance. The loan officer, who offered to help and who had been instructed by BAC not to help any customers accept with new loans, put himself on the line for me and for 2 hours straight. He on his business lines (he actually used two phones at once!) and I on my cell phone sat together calling BAC for assistance only to be transferred from one department to another. Even he with his affiliation with the company could get nowhere!

Down to the wire and within two weeks of foreclosure, I finally got a hold of someone who agreed that I qualified for the modification and they sent me the paperwork. What should have been overnighted was days and days to get to me. I filled everything out and faxed all of the paperwork as instructed. Nothing happened! I fell right back into the nightmarish attempts to speak to anyone! I fought tooth and nail to keep my home of fourteen years and in January of 2010 it was lost to foreclosure. I found my new job the next month, in February of 2010. Bottom line, I was robbed and it was my home that was stolen from me. They took all of the equity that I had built up and more, so much more. They turned around and sold it immediately. What happened...Bank of America's act against me was a crime in every literally sense of the word.

Where do I begin? I re-modified my loan in 2009 with Countrywide who sold it to BOA. The way the note is written is that I am to be charged 3% interest rate from April 2009 to April 2011. The rate goes up to 4% from April 2011 to April 2013, then my rate will go up one more time to 5% in April 2013 and cap off at that. BOA charged me 3% from April 2009 to April 2010, then my interest rate went up to 4% from April 2010 to March 2011. My interest rate went up to 5% as of March 2011. Clearly, I have been overcharged and there has been a breach in contract. I brought it to the bank's attention and I keep getting the runaround by them. They won't let me speak to a supervisor about this matter and there is no record that I have been calling.

The bank owes me over $5,000.00 in overcharges and says that they can not give me that money back in cash. It will be put towards my principal. I am fed up with these people. Every time I call, I get transferred around 5 times. Each time, I have to explain the situation. When they say that they will call back, they never do. I am over, Bank of America. I want out of my contract!

First, Bank of America increased my escrow payment by $300 even though my taxes were going down the following year. I had to argue and argue with them to get them to reduce it and give me the extra money they were accumulating in my escrow account. I eventually got a check for around $1600 and my payment lowered, but not after hours of time on the phone with them.

Now, I changed banks for savings and checking (neither was BoA) and so I needed to change my electronic debit for my mortgage payment. The first payment came out of my new account on a new date that I picked just fine. However, the next payment came out of my old account (at the new time) and caused an overdraft fee. I called Bank of America and they told me they had no record of me changing my information, even though the previous payment came out of the new account and they were both on the new date. After giving her my new account info again, I asked for my money back for the overdraft fee. She told me I would need to mail my bank statements from both banks to their complaint department. Why should I have to provide that much information to them to correct their mistake? It is not their right to have access to my bank records!

I believe that Bank of America who bought out Countrywide home loans has dishonest business practices. I have made numerous attempts to get a loan modification through Bank of America and have been continually advised that I need to resubmit my paperwork or that they have no record of my requests. This happened on 7 different occasions. When I signed for my first and the second mortgage, my combined monthly payment was $3200.00. My monthly income was $4500.00. At that time the mortgage was held by Countrywide and was later bought out by Bank of America. I was assured by my Countrywide rep that this payment would be temporary, that it was just to get me into the house and that I would be eligible within 6 months to refinance. In addition, she said when that time came, Countrywide would combine the 2 loans for a fixed percentage rate and the combined payment would be around $1600.00 including my property taxes.

I contacted Countrywide (which was now Bank of America) within the 6 month period and was told that I did not qualify for a refinance because I did not make enough money. I attempted to ask for a refinance on another 2 occasions and was told the same. I continued to struggle to make the very high monthly payment for a couple of years and was given no help by the mortgage company. As the economy continued to spiral downward, Bank of America started to advertise loan Work-outs that would allow borrowers to lower their monthly payments. I sent in the paperwork on two separate occasions. I was told when I called to follow up the first time that I was denied. The second time I was told that they had no record of my paperwork being sent. Those documents were sent by FedEx with a signature return receipt that I did receive.

I sent in my paperwork a third time and was finally offered the work out. Bank of America offered to let me skip one payment and then they would raise my subsequent monthly payments by $150.00. This was not what they advertised for this program. I denied their offer and made my regular payments. Finally thanks to the Obama administration, the banks were forced to offer loan modifications to struggling borrowers. The first time I sent in my request for a modification, I was told that I wasn't behind enough on my payments to qualify. Over the course of the next 2 years, I submitted another 7 requests. Each time when I called to follow up, I was told they needed more information. I sent them the additional documents and was told upon follow up that my request either expired, or they had no record of my requests. I have spoken to numerous other borrowers who have mortgages through Bank of America. They all state that they have been subjected to the same stalling tactics and run around. I believe the promise I was made for a refinance when I got the mortgage was fraudulent as they had no intention to ever give it to me. I also believe the loan modification stalling tactics are fraudulent.

Bank of America and their home loan modification is a giant joke.They don't even called back when you want to ask questions. Left a number of messages and no call back. I want out of the home loan mod program.

I just wasted 1 1/2 hours with Bank of America trying to set up twice monthly payments. Over the course of this time I was transferred 4 times, gave out a huge amount of personal information to each rep, and disconnected once after supposedly having everything set up when I was transferred to another rep for confirmation. This was a supervisor that disconnected me. I had to call back again and go through the whole process again and transferred two more times, only to be told that I could not set up the plan because it was a month ahead and would have to go over everything yet again in a month. Please. Could they not take down the information and save it for 30 days? Also, it took a lot of rig-a-ma-role to even hear a human voice in the first place. I would highly recommend not going with this mortgage company.

Refinanced home in 2008 with Countrywide and then the loan was sold to BofA. No new deed was ever filed with county. I was told by county office that we will not be able to ever sale our home because a new deed was never filed! Our documents were filed with MERS! All other homeowners need to check with their local county office to verify your deed was recorded properly! Could be the reason for all the denials of loan modifications and delays of foreclosures.

We have two mortgages with BOA, one being the primary, and the other, the second. Both mortgages were approved for the Home Modification program. We were given a Loan Modification counselor named Andrea **. She is the one we have to talk to about everything, and anything about our mortgage. Since being approved for Home Mod., there were two separate instances. Our first mortgage (primary) was put to our second mortgage. so, it showed that we missed our mortgage payments. The one past occasion was taken care of over the phone, and put into writing, of what happened and was corrected. My wife made another payment to the first mortgage on another occasion. She gave them the correct account number, and all was good.

We received in a matter of a month three different Home Mod papers again for our second mortgage. Finally, we realized that the payments reduced significantly, so we figured again that our first mortgage payment again was paid to the second. When my wife called, that was exactly what had happened. On December 8th, 2011, both my wife and I were on the phone with our Home Mod counselor Andrea, and an accounts payable person. The discussion was to move the first mortgage payment from the second to the first, so it seemed like we were up to par. We were told by both Andrea and the accounts payable person that the problem was going to be rectified. After receiving yet another FedEx package from BOA, regarding another lower payment, we called Andrea again, who is the only person we can talk to regarding our mortgage, and we left several voice mail messages, with being told at the end of Andrea's VM message that we are to be given 24-48 hours for her to get back.

We got absolutely nothing. After repeatedly calling, my wife finally talked to her. She was told by Andrea not to worry, and that the problem was going to be fixed, and to give her a week, and she will get back to us. Again, nothing. We called repeatedly, and left several voice mail messages to her, and then talked to customer reps. We asked the customer reps to put us through to her supervisor. They said they put emails to both Andrea, and her supervisor with her supervisor to call us. Now, in the meantime, we are now receiving letters, and phone calls about the short sale of our house, and what we need to do to short sale our house. We can make our payments, but when no one gets back to "help" you, what can you do? We need to get this problem corrected, so we can stay in our home. Bank of America is not really a "bank of America".

I purchased a home in 8/07, in the amount of $114,000.00 and was told my payment would be $750.-$800.00. My payment ended up being $1,267.00. My loan was sold to BOA. I lost my job in 2010. I asked BOA to modify my loan. They did, and my payment was down to $1,067.00, but gave me 40 years to pay (480 months = $512,160.00). Who in their right mind would pay this amount for a 1425 sq.ft. house on a cement slab. I asked why the payment was so much. I was told I am paying $285.00 PMI. Why do I need to pay a lender's insurance? I will do everything I can to keep my house. I will write to everybody, and every congressman I can to fix this problems.

The dispute with Bank of America mortgage modification resulted in my wife posting on her Facebook, a letter begging anyone for help. Bank of America actually called us. The first time in two months. It was their social media department. They had seen my wife's plea. They promised to help get it resolved ASAP. The next day, my wife's Facebook account disappeared. That is how we communicate with our clients. We are a small business, and now we are destroyed.

I own a home in Riverside, CA that I purchased in 2005. This loan was principal and interest. I have always paid for taxes and insurance myself. I have never missed a payment nor ever been late on a payment. Last April my statement came in and the payment was approx. $700-$800 higher then it always has been. I immediately called Bank of America and found out that BofA changed my account to an impound account.

Fast forward today and 75 plus contacts to Bank of America later. This problem has not been taken care of and the issue has increased. I have continued to make all normal payments on time each and every month. Of the past 10 payments BofA has cashed 3 of them and sent me back Bank of America checks for the same amounts, BofA has sent back 4 of my payments uncashed attached to a letter. Bank of America has put my house into foreclosure for not paying. Bank of America has absolutely destroyed my credit form high 700's to low 600's. As a result of my lowered credit, Bank of America closed several credit cards, lowered the limits on my other cards significantly. Other credits have lowered my limits when they did their normal credit updating. Citibank lowered my credit $30,000 on one account alone.

I have all paperwork for the past year. I have a letter from Bank of America admitting they made a mistake switching my account to an impound. They are attempting to fix the problem, but I made it very clear in writing to them that I want on their letterhead a clear, precise detailed listing of what they will fix for their mistake. To date, BofA I have not received this letter. There are many other items that have happened, all documented. I want to go after BofA for damages and punitive damages.

In February of 2009 I appealed to the attorney general with regard to refinancing difficulties I had with Countrywide Home Loans. In May 2009 my loan was taken over by Bank of America. In August 2009 I entered into a trial modification with BOA. On March 30, 2010 I received a letter stating that I qualify for a permanent modification. A few months passed and I did not receive any documents BOA claimed they would send.

There are too many inconsistencies with BOA. I have sent the same documents several times at their request. On October 8, 2010 I received a phone call from Emily with BOA stating, ""It's not in the best interest of the investor to modify the loan." Throughout the 16 months, I was sent letters encouraging me to continue making my payments in the amount of $1080.35. I was not informed of the fees that were imposed on my loan nor was I informed that these lower payments put me several months past due. I was not informed that my credit score would be affected negatively. BOA reported to the credit agencies that I was past due making monthly mortgage payments, which was not correct.

On June 10, 2010 I faced a tragic loss with the death of my father. On his death he left my sister in charge of his estate. I borrowed money from his estate to avoid foreclosure. On November 3, 2010 I electronically paid $20,093.25 to bring my loan current. The monthly payment amount before the trial modification for principal and interest was $1,647.02, I was responsible for the escrow. The trial modification payment was $1080.35. This was a savings of $566.67 a month under the trial modification. If we take $566.67 x 16 months, we get a savings of $9,066.72.

According to BOA I owed double that amount to bring my loan current, this is where I start my research. I would like to join a class action lawsuit or start one in Connecticut with your help. I have kept excellent records and all correspondence with BOA regarding the modification. I am aware there are several other people in this situation. BOA still owes me money and I feel strongly that they follow through with the original modification as well. The Bank of America has neglected to return money once my loan was paid in full after the HAMP fell through.

Bank of America has not been cooperative regarding this issue. I have pleaded my case repeatedly and I received a check on February 17, 2011 in the amount of only $173.90 for escrow BAL refund. BOA is covering their error at my expense. They currently owe me $786.44; this amount may seem insignificant however I assure you that this dollar amount surpasses my weekly income therefore it is most important I follow up on this.

I have since refinanced my home, however not to the degree that BOA would have. My payments I had with the modification would have been significantly lower than they are currently ($1360.64). This is what I am looking for, completion of the original plan. Please help us fight for the injustice against the taxpayers who bailed out the very bank that violated our trust.

After two years of trying to negotiate a modification, or get any kind of help with my upside down mortgage. Bank of America sends me a letter, assigning me a "dedicated customer relationship manager" who, according to the letter, "wants to help me determine which of their programs will help me in this difficult time with my home loan". I'm 10 days away from my foreclosure date you lying **! The second time I was denied a home modification it was because I "didn't have enough in savings, to make up for my missed payments!" What? If I had more money in savings, don't you think I would have used it to keep up with my payments? Once my nightmare of home ownership is over, I will never ever have anything to do with Bank of America again. Stay away from big banks and give your business to local credit unions and small banks. It is the only way we are going to be able to save ourselves from federally subsidized banking corporate greed!

We are very unsatisfied with Bank of America being our mortgage lender. We, like many others, purchased our home through Countrywide and was turned over to Bank of America, not by choice. Today, we noticed that BOA had took two payments out of our checking account instead of one. So we called them. After my husband was on the phone with them for almost an hour talking to who answered the phone, an account analyst and a supervisor, we had gotten a list of chores for us to do to correct their mistake. We were told to fax them a bank statement showing both payments and two NSF fees that were caused by the extra payment coming out. Then we would have to file two separate requests, one to refund the extra payment and one request for BOA to pay back the NSF fees. Plus, get our bank to write a letter to BOA stating they would not refund us the NSF fees, also because they wanted to make sure we didn't get refunded twice.

Before all this happened tonight, let me tell you about the beginning of our problems with BOA. I had surgery December 2010. I fell behind 1 payment and couldn't seem to get caught up. BOA would send me a letter telling me I owed a certain amount, and when I would send it in, they would send me a partial refund. Anywhere from $40-$140. This happened, I believe, 4 times. Tonight, as my husband is talking to them, he is told that they added a $30 charge each time they sent a refund check. And on top of that, they have charged an extra $15 inspection fee for any month we did not pay on the due date. We were told an inspection fee was for "someone to come out and inspect our property to make sure it wasn't burnt down, etc." Keep in mind we were only behind 1 payment, but it took a while to catch that 1 payment up. I have never seen a financial business that tried to ruin their customers' credit and would not work with their customers! I want to refinance with another company, but can not afford to pay closing cost to do so! I feel stuck!

We bought a new home (newly built) but it wasn't the first house in the neighborhood. Several had been here for a couple years already. Our escrow taxes were grossly under-estimated (by almost $200.00 a month). We got s bill for $1,991 due for back escrow last year and our house payment will be going up $215 per month from here on out. How is this legal? We could have lost our home. With so many other homes already built I don't understand how this could happen!

The following is my Bank of America nightmare that I live every day. I will try to document the facts that lead me to reach for help. Bank of America acquired my mortgage from Countrywide Home Loans. Due to the collapse of the economy, and the fall of the housing market, a trickle down affected my work as an Architectural and Interior Photographer in New England. I have not had an assignment, or worked in over three years. In September 2011, I applied for the Bank of America Home Modification Program, and was assigned a case manager. From my understanding through research and conversations with said case manager, the program is designed to help the homeowner, by lowering mortgage payments, making it affordable, and possible to stay out of foreclosure.

I faxed the required myriad of paperwork (my life history) to Bank of America more than several times. Each time I was told a page was not received. When, after a month and a half, all the documents were received I was informed the time limit expired and I would be required to start the process anew. I again submitted the many pages to Bank of America and weeks after told the paperwork went to Bank of Americas Underwriting Department. (Throughout the months I telephoned the case manager more than weekly leaving messages that were very rarely returned. ) When contact was finally established I was told my account was placed into a Bank of America Waterfall Program, and a grace period of six months was applied to help alleviate my financial burdens. Thus far, this has not been verified.

In late November, Bank of America informed me that the Bank of America's Underwriting Department accidentally overlooked my request for the Bank of America Home Modification Program, and my paperwork would be expedited ASAP. In December, I was told my case manager no longer was employed (in this position), and thus a new representative was assigned, and my state of affairs were again to be reviewed . Again, I left messages that were never returned. Frustrated beyond imagination, I contacted the heads of Bank of America's various departments. In January 2012, I was informed my case would take another forty-five (45) days! Enough is enough.

Reading articles and complaints about Bank of America, one of the largest corporations in the United States of America, they are the most horrific, horrendous company ever to bilk the citizens of this country. Not since the financial collapse and resurrection of banks and mortgage companies. More corrupt than Enron, AIG, Goldman Sachs, etc. The government has provided money to hundreds of banks, as part of the $700 billion Troubled Asset Relief Program (link: **). I implore you to look into the practices of Bank of America, seek and find those responsible, starting from the very lowly case managers to the top executives, who continue to ignore the very people who pay their salaries, and are in danger of losing their homes. I am a disabled, decorated Vietnam Veteran, and do not wish to live my life on the streets, shelters, or veterans' home.

I called to inquire about refinancing my mortgage under the HARP program. The mortgage person Christopher ** said that he needed my credit card number, so he could use it to pay for the appraisal if it was required. I told him that I was not interested in the loan with him and Bank of America. That day, he charged my card $450.00.

In 1985, I worked with Southeastern Savings and Loan in Burlington NC. I had a 401K and I am wondering what happened to my investments.

We lost our business last February and with only one income decided to do the loan modification that BOA offered. As of the beginning of November they had all my paperwork for review, said 4 to 6 weeks. I have been following up weekly ever since to only hear it should be a couple more weeks as they are behind. i ask when they will be hiring to catch up as we are going on 4 months now but no response. I am getting close to losing my house and would like a resolution and quick! My husband has been eagerly applying for work with no luck so I need a resolution fast.

We were steered to a countrywide loan in 2006 that is predatory in my humble opinion. In 2006, due to medical disability issues, I was not in a state of mind to understand loan complexity and long term ramifications (close to 300k). With great difficulty, we made $2,200 payment on disability and beginning teacher (translation, low pay) salary for me and my spouse.

In 2008, they notify us that payment needs to go up to $2,500 for what they said was increased property taxes. I said I could not pay that much. We started the Making Home Affordable program shortly after. First, they said no help needed as was current on all payments. Then I fell behind on mortgage and cc payments, they accepted loan mod program. We were set up on trial payment and perm 3 months after. We fulfilled that, and paid trial for 18 months. During that, we got the runaround, lost paperwork, transfer everywhere, etc just as others have said. Then, in Dec 2010 I was told no. The investor did not want to work with us. So we listed home with local realtor and for short sale.

One offer at below listing, Bank of America countered with higher that market fell through. Now, they are starting foreclosure. I have an attorney who will make case. The loan should not have been made due to medical condition and did not allow understanding. To add, I was not at closing but in a different state seeking medical treatment. They had my spouse sign for me under a power of attorney, something I did not and not understand. My spouse also is from another country and English is second language. DGWK. For those that mentioned Bank of America is like the devil. That is not fair. It is not fair to lump devil in same league. I believe he is more consistent and has his ethics. We at least know what we get. A Bank of America office should be a great place for a heart surgeon. A lot of people there like the Tin Man, no heart.

Hilarious! Bank of America are the biggest criminals. I just recorded a wicked conversation with one of their mortgage insurance division supervisors. They told me that they are recording my call but can't speak to me if I am recording as well or if I refuse to let them record. I never agreed to that before doing business with them. Good thing, I waited until he gave me his entire pathetic explanation of why their policy for check endorsement is not in my contract nor have I ever been notified of it.

Plus, I caught him lying. I then informed him I have been recording the entire time. He was furious. I see why their stock has tanked and they are closing up branches. I can't wait until they go bankrupt. I think I will file a complaint with the department of insurance and the Attorney General's Office and sending them a copy of the conversation, maybe email it to the news media as well! Sell your stock and close your accounts as these crooks are an insult to America! Someone please file a class action suit against these *** of society!

Bank of America bought my mortgage from Countrywide and has destroyed my credit by playing games with my mortgage. I went to Bank of American in April 2009 to refinance my home. My rate was 7.37% on a mortgage of $740,000.00. The appraiser compared my 7,000-square foot colonial all-brick home with a 3,000-square foot aluminum house. The appraisal came in at $700,000.00 (down from over a million).

Bank of America told me the only way I could lower my interest was by applying for Making Home Affordable program, which I did (many, many times re-sending in documentation). In the meanwhile, Bank of America stepped in and paid my taxes for me ($6,000.00 per quarter), which was not part of my mortgage. Bank of America then sent me a bill for $40,000.00. This crazy bill kept jumping every month. They changed my fixed rate mortgage from just over $5,000.00 a month to just under $9,000.00. After 18 months, Bank of America told me that I needed to pay them $120,000.00 to come current and that I had not paid my mortgage in 18 months.

I sent them copies of all my payments and proved that I had made my payments every month with the exception of the 2 months they told me a new modified load was completed and coming in the mail. I had my lawyers send them this proof of payment. In December, I received a letter that they were looking at the payments to figure out what was going on. In the meanwhile, I set up direct payments from my bank to Bank of America to prove to the judge (I want to get this in front of a judge as soon as I can.) that I have been paying every month.

Every month, Bank of America keeps sending me back my payments. It is clear that Bank of America is trying to stall/delay as long as possible, so people like me that pose no real threat of not paying will not have access to a lower fixed-interest rate.

I was one of the many thousands fighting for a modification, who sent the same documents month after month and week after week. I fought off foreclosure sales 4 times, was out of work and fell behind, then back on my feet with a good job and could well afford the mortgage. After almost 3 years I was told I was approved for a modification from BOA, and approximately a week later the house went up for foreclosure sale! No one bought it and the bank took it back. I did all I could to stop it, but a Broward county judge denied the request for postponement by BOA's attorney.

I was so close to possibly saving my home. If the bank's attorney is requesting to postpone, why can and would a judge deny? And how can the banks and attorneys get away with "the left hand does not know what the right hand is doing"? I feel that the bank should have to go back to their offer of a modification and reverse the foreclosure sale. Please help! My attorney says it is too late to do anything about this, but I think I am right.

I have made numerous attempts to do a loan modification. I have been denied a loan modification. The Bank of America had promised to help me within 12 months. Because they dragged their feet, I was unable to qualify for Emergency Mortgage Assistance with the federal government. The Bank of America has robbed my savings, check and investments. I have been experiencing a financial hardship. My husband died almost three years ago. I offered to pay $700/month. I am willing to pay my full payment if BAC is willing to take the arrears and capitalize back into the mortgage payment. Please have your lawyers get back to me immediately and work out a suitable plan so that I can stay in my home.

Bank of America bought our mortgage, which had been with Countrywide. After reeling from a year of I.D. theft, which BoA refused to do anything about and refused for seven months to let us close our checking account with them, they have started harassing us about supposedly being in default on our mortgage. Having previously tried to auto-draft our mortgage payment from the BoA checking account that we were trying to close (causing it to become overdrawn as we were using an account with a different bank), they are still trying to put us into collection for the amount they erroneously auto-drafted from the other account. The bank manager refused to give me anything on paper. That would all be bad enough had they not started in on us in December (2011) yet again.

In December, we began receiving overnight packages claiming they were from BoA and that we were in default on our loan. When we called the number to complain, the people answering claimed to be from a collection agency not connected to BoA, despite the paperwork we had claiming it was. Furthermore, when they bought our mortgage, they left my name off of it, keeping only my husband's. Despite requests to have my name added and for them to be allowed to speak with me on this account, they have not gotten us the paperwork. BoA also repeatedly drops the calls after transferring my husband several times so that the calls cannot be completed at all.

BoA finally told my husband that we were in default, claiming our monthly payment had gone up (we were not notified) and not counting our December or January payments. The second week of January they mailed us notifying us that we were in default and foreclosure proceedings would begin if we didn't pay roughly $3,000 immediately. No payment plan, just give us money now or lose the home. We paid to avoid foreclosure while still waiting for an explanation of why this extra money was needed. We've only gotten a vague phone explanation of higher taxes (which for some reason didn't come out of escrow) and a refusal to send us anything on paper.

One week later (Jan. 25), we received another slew of letters claiming we were still in default and demanding this time, $2,150. We paid yesterday, but have no explanation of what this was for. And once we called to pay, the amount was $150 more due to "late fees." We have nothing on paper, the local BoA Home Loans office tells us they can do nothing other than refinance in the office--we are stumbling blind here. And as our credit is now in bad shape due to the earlier "clerical error" that we are now in collections for, our ability to refinance with a local bank is rather damaged.

Yes, I would love for an attorney to contact me. BoA's fraud department not only cost us thousands of dollars but also took rather humiliating actions against me and my family. And now, they are refusing to even let us see any statements on our mortgage while sending us constant letters warning of foreclosure when we have managed to pay monthly--even through a devastating bank card theft/I.D. theft case. We've done nothing wrong!

I was requested to submit innumerable documents and financial statement in order to qualify for a modification on my loan. Less than three days after the deadline of my submission, which was submitted earlier than the requested deadline, I was asked for duplicate information. I was then notified I qualified and would receive a trial loan payment and then days later was told I did not qualify. I have filed all the appropriate forms with the Superior Court more than three times indicating and filing for continuance of mediation, submitted countless documents to Bank of America, all to no avail.

They had failed to act with due diligence and I receive letters and requests from so many different contacts at Bank of America that it is clear that there is a complete and total lack of communication in regards to my modification. I have submitted a letter of hardship and all financial documents. I receive disability payments and have rented out two rooms in my home which together meet the requirements for a modification, but I am told completely different things by different contacts at Bank of America.

After a couple of attempts to modify my mortgage payment with B of A, (Countrywide back when I bought the house), I lost my house in Texas this past December. It was always excuses and missing documents. I did send in all documents required at all times. I'm very angry, upset, depressed and frustrated to see that there was nothing else to be done. I have no money to pay for a lawyer either. I know that I'm not alone out there. Many people, a big number, are going through the same situation as I did.

I do hope that people get together to fix this mess with this bank institution. I, myself, am writing to the President. I'm writing a very detailed letter of my situation and my feelings towards this injustice practice from the institution. I'm constantly looking out to see if there is any class action law suit against B of A in the state of Texas. If I lost my house, we can still help other people save theirs! If you have the time, please write to the President of the US too! The more letters, the more we will put our voices out there!

I'm a first time homebuyer, but when the market dropped so did the value of my home. I was planning to refinance so I decided to go with the bank who I had my original loan with, which was BofA. After numerous hours spent on the phone with the loan officer, my loan was denied without explanation. After two months of going through the process, the day we were supposed to sign, the auditor tells us it was canceled. I was waiting for two hours waiting with no notice from BofA. My time is precious and to not call your customers back is ridiculous to me. Every single time I called I got a machine. I didn't get a call back until the next day! Turns out you can't have PMI and HARP assistance. The underwriters didn't notice. Complete waste of time. I like USAA a lot better.

We are in the same situation as everyone else who tried to get a loan modification within the last two years. Where is the justice? Can't we all band together to do something? We were put on a modification payment for over two years. After making the payments, they said that amount we were paying would never have gotten us on a modification. We kept the original FedEx paper with that amount on it from them. We are now $200,000 under water on our house. Is it worth it? It actually has taken a toll on my health. We are looking at losing our home now. I feel like they set us up to fail. They knew the payment was pulled out of the air so they were just collecting the payments with full knowledge they were never going to modify. I would never have started the modification in the first place, they offered it to us first. They are pure evil! I really want to band together everyone somehow. You can email me at ***@yahoo.com.

Because my husband returned to active duty, our mortgages were modified to reflect the max interest allowed to be charged to active duty service members under the SCRA. Since that time, every couple of months we get 3 FedEx packets and numerous collector calls about not paying our mortgage. Every payment has been on time for the correct amount since the inception of each loan. We have called and explained and get the run around each time. We have been told that the SCRA department pays a portion of the payment (the difference in our new payment and the old payment) and that sometimes that department doesn't "put through" their part, thereby generating these harassing calls and overnighted packages. It took almost 3 months to complete the modification during which time we continued to pay the correct amount. We still continue to pay each loan on time every month.

I have a mortgage with Bank of America. October this year they stopped sending me mortgage statements. I didn't realize at first as I'm prompt about payment. So I continued to pay monthly at my usual amount not realizing that statements had totally stopped as opposed to just being a missed month. In December they increased my mortgage due by $64 but never notified me. December 7 they received my electronic payment of $3,240 for December. They say because this was $64 short they did not credit any of that to my mortgage owed. Instead they sat on it. I receive no notification of the deficiency. I have a printout of the website from January 8 proving there were no alerts to my account from the previous 60 days. So I had no knowledge of the deficiency and that I needed to send them an extra $64, which would have been no problem for me. Instead, they put my house in default. January 8, they received another electronic payment from me for $3,240 (scheduled days ahead) as I still didn't know anything was wrong. January 6 (a Saturday), I went on their website for another reason and saw suddenly my house was in default and they claimed I owed them 2 month's mortgage (the grace period goes to Jan. 16).

At this point (well as of January 8 which was a Monday) they had $6,480 of my money in their possession. My bank from which payment made had been made (Wells Fargo) had not received return of any of my funds and I had received nothing in the mail. January 8 I called the bank. After a long discussion it was agreed that if I just paid the $128 shortfall (which was the $64 shortfall from December and January) that all would be resolved. I did this that night, scheduled an electronic payment. But it takes 2 days for funds to transfer so Bank of America got that money Jan. 11 (they say). During the Jan. 8 call I was told that my December payment had been sent back to me on January 3. I only got it last week, and the post mark on envelope says Jan. 10. Part of the resolution was that they were to have put stop payment on it as of the Jan. 8th date, so that money was still in their possession and as a result they had a full $6,480 of my money in their possession.

Now they are saying because I was overdue on my December payment by 30 days they put a notice on my credit report that I was delinquent in December. When in fact at that they had all my money in their possession and simply by crediting December for the full amount there would have been full payment before the end of the December 16 end of grace period. The ramification is that my credit, once spotless, is now damaged and so I can't refinance. I believe this was a scam to prevent them from losing my mortgage to a refinance. In short, between December 7 and January 8 they were in possession of $6,480 of my money that they did not credit to my account, and so they put my house in default as a result and reported me as delinquent on my credit report and now I can't refinance. While they assert they sent $3,240 back on Jan. 3, I only got a check the week of Jan. 16; the check is dated Jan. 4, the cover note is dated Jan. 5 and the post mark on the envelope is dated Jan. 10, and so it was impossible for me to remedy any of this as they had my money and provided me no notice that there was a problem. In fact on January 8 when they were asserting they had sent me my December money back; it was still in their possession as it didn't go from the post office until 2 days later. Now they say they can't fix the credit report issue, which is all I want as I did nothing wrong.

Thank you for your assistance.

First off, we want to say that we did not choose Bank of America, our company, Countrywide was bought by them. Secondly, this is not the first problem we have had with BoA. We have had numerous problems with the bank, some of which seem to be outright fraudulent. The most recent (January 2012) prompted this complaint: The bank "accidentally" took a double mortgage payment out of our checking account (another separate banking institution) without our authorization. It took them seconds to do it, but it has literally caused us major financial havoc and lost work to resolve it. To date, it is still unsolved. Not only did the double payment result in our account becoming overdrawn, but it also resulted in all of our other bills bouncing as they tried to post to our account.

The bank that holds our checking account has a $25.00 fee for everyday that the account is overdrawn. Also, a $25.00 overdraft/returned check fee for each item that posts. As you can imagine, this has caused my family to not only have zero funds for bill payment, gas and groceries, but it has also created a nightmare in paperwork. The bank insists that we must prove the proof that the transaction occurred, which seemed odd because the very second in time that the transaction occurred was noted on the BoA online banking page that I log into to monitor my mortgage. I've learned the hard way with BoA to do this almost daily. Originally, BoA admitted the error and said it would be fixed within 48 hours. It has been over two weeks and racked up over $250.00 in fees that we have so far identified (not counting the late charges of all of our utility/phone companies are going to bill us because we are now late on all of our payments).

In addition, both myself and my wife have spent countless hours on the phone and faxing documents to resolve this matter, missing in total another two days of work and a loss of further income. My wife does not get paid days off from work and I work on a commission. Because this is not the first error nor even the second error that BoA has made resulting in financial hardship for my family, but in fact is the third time, I am seeking some kind of remediation. The bank seems so powerful and we are a working class family that pays our bills on time! How could this happen to us and we still feel so powerless? I would love to share with you the two other unrelated things that BoA did to mess our mortgage and finances up. Please contact me.

BoA was denying to make an offer for over more than a year. They said that we closed the account that was a mistake from them, we didn't close it, they did it. I think we need an explanation or something, but now we are facing foreclosure or short sale. Yes, I would like to be contacted by an attorney.

I am writing to state my unhappiness with Bank of America. I am one of those Americans struggling to stay afloat. I currently pay a very high interest on my 1st and 2nd mortgages, and have contacted Bank of America for some assistance. I do not have the cash to refinance, nor do I qualify for the making home affordable program. So, I asked about modifying my existing loan, to try and get a lower interest rate, and the response I get is, "due to the fact that you are current on your mortgages, you do not show hardship".

Frankly, I think this is a bunch of **. To think that one must be delinquent to even be considered for a loan modification, is unfair. I've mentioned to Bank of America that I can provide proof, showing the money coming in, is less than what's going out, but they still refuse to help. Maybe I should have thought twice about purchasing a home a few years back, but isn't it every American's dream to own one? I just hope other people get treated better than I was.

We have applied for the Making Homes Affordable Loan in Sept. 2011. My husband is disabled, and our income has decreased tremendously! We have sent paperwork in over and over again, mind you, the same paperwork. We were told by Bank of America, that we should just stop paying our mortgage, maybe we would get help then! I was also asked to send a letter from his doctor stating he was unable to work? Now if he is receiving Federal Disability, isn't that proof enough?

They keep telling us that our information is in underwriting, but every time we call about letters they send us needing more paperwork, our account manager tells us to ignore them, they have everything. I still faxed them what they needed, but I received a letter saying we were denied, because the paperwork wasn't sent in time! Yet my account manager, and his supervisor tell us to Ignore it, it is still in underwriting!? We are now putting an appeal in. It is sad to say that I believe BOA is just giving us the runaround, so they can say they are doing the program the government requires them!

In February 2007, I entered into a mortgage with LaSalle Bank. I started having difficulty making my payments and asked for a loan modification. This is due to the bank not informing me of all the additional costs. I requested that all the property taxes be included in my mortgage payment, which they said it was. It turned out that it was not true, and my house which started out at $1600 ballooned to $2,300.00. They did not include all the city and township taxes.

LaSalle Bank refused to work with me. They proceeded with foreclosure in May 2008. During this time, my loan was sold to Bank of America. I contacted BofA, and they stated they will provided me modification and provided the amount of, I believe, $1,400.00 per month. Two weeks later, someone was taking pictures of my home and said it was being foreclosed.

I contacted BofA, and they stated the foreclosure was still in effect and said the modification was in error. The house was foreclosed in October 2008. I beg for another month to get my items out the house, and they gave me until November 2008 with $1,000.00 in moving expenses. In January 2009, my home was sold while my name was still on the mortgage deed.

I started modification on 2009. Same story as others like lost paperwork but Bank of America never says they lost it, only that they don't have it, more applications and change of person handling it. Oh, we were approved and started making the trial payment over three years now, and still, yes you know it's coming, we were sent yet another new application asking for the same old stuff this last Saturday and yes, again today, Monday. They have said no, then yes, then in-house, then MHA, always the HUDD number. No lawyers will touch it. Where is the justice?

I am writing you this letter in hopes that our story might interest you concerning how the banks (Wells Fargo and Bank of America) are handling foreclosure on properties with equity.

So we made the decision to save our home and applied for a reverse mortgage. Our reverse mortgage was a go until Wells Fargo realized we had a few dollars in the bank. It went from needing $4000.00 to close a reverse mortgage to $13,000.00 to close the loan (we had the funds). We had 3 appraisals done on our property that all listed our square footage at 5700 plus square feet and the value at $475,000.00. However, the day of funding, we were told our home value was no longer $475,000.00 but now the value was $400,000.00. To our surprise, the previous appraiser had made corrections to her report. We disputed the correction because it reduced the square footage. I called the appraiser and she told me the lender didn't want to do our loan. So they sent her a total of 13 emails asking for various changes to be made.

I called Wells Fargo and BOA and advised them we felt like there was an error with our appraisal. Laura ** from Wells Fargo refused to consider that possibly there was an error with the report. We filed a complaint with the Arkansas State Appraisal board. After reviewing our complaint and reading the response of the appraiser, the board decided to place the appraiser on probation because she failed to follow State guidelines for appraisals. Even after discovering a mistake has been made, BOA has informed us the investor will not do an interest rate change, a maturity date change or an increase or decrease to the balance.

Bank of America/Countrywide has taken our money and randomly applied funds however they feel with having to be accountable. I have sent in 3 qualified written request and received acknowledgment that our request has been made. However, BOA has refused to provide us the information on who owns our loan (since Mers filed all the documents) and complete written accounting on all charge and how each lump payment was applied.

We originally purchased our home in March of 2005. Our mortgage was with Fremont Financial which we would three months later start paying Countrywide. In April of 2007, our Sub Prime loan adjusted and monthly payment increased about $1500.00. We were about 4 months delinquent when we made a payment of $115,247.00 in August of 2007 (we were told this payment was applied to the principal balance leaving the balance of $281,941.72). Then in January 2008, we paid another $10,000.00. This is where the nightmare begins. Our loan remained delinquent with all the monies paid.

Fast forward to June 2008 and we were told our loan is delinquent and our home is in process of foreclosure (with Countrywide). We agreed to a repayment plan for 18 months (which could be paid off at any time). This repayment plan included a payment of $7500.00 to start and monthly payments of $3847.60. We made the payments until March 28, 2009 at which time we called in and requested the amount needed to payoff the repayment plan and resume our regular payment. We were advised we would need $13,348.00. We sent in certified funds with a letter asking for the payment to be applied to the repayment plan and resume our regular payments (to Bank of America).

We sent in our first regular payment in April 2009, which was returned to us with a letter stating we had failed to keep the repayment arrangement. We made numerous phone calls to Bank of America between April 2009 and February 2010, on each call where only one person could remove the codes to assist us (Ruby **) and she was never available nor was there any other person who could assist us. Messages were forwarded to the supervisor who never phoned us back. We attempted to us NACA, but were advised the investor did not participate in the making homes affordable program. Our property does not have a deficient balance. However, the bank has kept our account delinquent in an attempt to foreclose. There is no accountability once the bank says you are delinquent. They are the fox guarding the hen house.

I was working with BOA for more than two years. They didn't help with my modification. Then I paid a broker to help out with the modification couldn't do it to. Then we went to foreclosure and force to short sale the property but we find out BOA is only servicing our loan and the investor don't want to deal with us the preferer to take the house away from. BOA is a very dishonest institution and not willing to help customers.

As reading all of the other complaints, I fall exactly into the same complaint list as the other Bank of America Mortgage clients. Being an election year, and Bank of America being the most corrupt mortgage company out there with millions of clients who were thrashed into their pocket by Country Wide (which I feel was superior to what we all are going through now), maybe something could be done. Look back into the history of these people and how they started as Bank of Italy in California and made their money in the motion picture business.

Hello clients, they do not care if they foreclose on your property, look at the hidden costs they put onto your account when you ask for help, and yes I say hidden to the corporate law world. Seems they would not want millions of foreclosures on their pro forma, but there is something going on with that, maybe some sort of tax relief for them. Help Bank of America, we have tried to show empathy. There is no heart there, just a total empire of lies and corruptness. Are they in politics?

After several failed attempts to modify my home with BOA, I was given an in-house modification, to help me with back payments, and a better payment. I was wrong! My payments have only increased, and it became harder to maintain. My home was in probate for 5 years with Countrywide/BOA, and finalized in 2011. The modification was needed to bring the account current, so we could assume the loan. Mind you, an AB loan with BOA wasn't assumable. Now, the loan was eligible for the Obama Modification, but I wasn't contacted, until May of 2011, and now I can not modify the loan again, to many modifications, I am told.

I have requested a simple interest rate reduction of the loan. They said it can't be done. We are currently at an 8.2% interest rate. I can't ref, because that's just more money added to the overall loan amount. I was forced to take this high interest rate modification, to save my home from being sold by probate, and the people at BOA knew what they were doing, locking me into a high interest rate loan. The modification took me 2 years to complete, and with no help from the bank, but hard work on my part, and endless calls to every department possible.

What we needed was the guidelines of the Obama plan, to help lower payments, not to increase them by hundreds of dollars a month. The difficulties with dealing with BOA is relentless. No one has the same answers, and no one can really help. I have been in contact with the CEO office. The first time, they were very helpful. Now, they just want to add more money on the loan, and not reduced the interest rate. Please tell me how this is helpful? They are holding me to my wallet. They tell me I might have to sell my property, if I can't afford it.

That's the latest helpful assistance from BOA. Their modification packages and guidelines are not clearly outlined to the customers, and you could be working with two or three departments on different modifications at the same time, which did happen to me. The process is confusing, and now we are stuck with a loan modification, that is no help. How are homeowners to get help, if the bank is not holding up to their end of the bargain, and what about the millions they were given to assist us? Someone need to hold BOA responsible to the homeowners they promised to help.

We live in Carver, Massachusetts and we are having a major problem with Bank of America. We originally started the Making Homes Affordable process the end of November of 2010. It still has not gone through and there is a constant threat of foreclosure. They keep "losing" documents, say they never received them or the faxed document from another department did not come out clear, being given misinformation by each representative I talked to. By them doing this, I keep missing deadlines. Our mortgage was originally held by Countrywide and was bought by Bank of America. Please find below the documents I have received and/or conversation I have had with different Bank of America representatives. This whole process has been a nightmare and we are begging for assistance before they foreclose on our home.

On March 4, 2011, I received a letter requesting more of the same documents by March 18, 2011 (sent them). Due to the lack of ability on BOR, the following phone call is when I started to document all conversations and with whom. I also made copies of all documents sent to them. I didn't do that before because I did not think that they would be like this.

On March 28, 2011, I received a letter stating I was not eligible for the Making Homes Affordable program due to lack of requested documents that were already sent on multiple occasions. The letter said to call before April 24, 2011 to file an appeal. I made the call once I received the letter. I talked to a representative (Marie ID# xxxx). The woman looked at my documents sent in that were denied and she couldn't find anything wrong with the RMA but did say on one of them I crossed out a number because I started to write the wrong date then wrote the correct one.

The woman said that she filed the appeal and to resend the documentation needed due to my financial data being outdated. She also said she sent an email to Sonya, the person working on the case updating her on the call and requesting that she call me back. She said that I should hear from her within 72 hours. I faxed the packet to two different fax numbers that I have been given, and sent it in two separate FedEx envelopes just to ensure someone got something!

On March 30, 2011, (letter dated) I received a letter thanking me for sending in the financial documents to support the Home Affordable Modification program loan review. It stated that once they completed the review and would contact us to discuss our loans eligibility for a modification with one of three responses: approval for the trial period, not eligible but with other options for a different modification program or the need for more information.

On April 19, 2011, letter dated stating our house was going into foreclosure and to call regarding a short sale by the 28th. I called and talked to a woman (Elaine. ID# xxxx) who said no appeal was done and due to the paperwork being dated 3/28/11 not 3/18/11 it was denied. She looked at the notes from my call on March 28, 2011 and it notes that we went over the documents and stated that the owner upset, needing more documentation, no error on the RMA and FedEx ASAP. She also said that the woman should have told me to call back to ensure all of the documents were received even though we got a letter stating that they did receive them. She also said something about it being the 4506-T that was the issue but did not expand anymore about it.

I then talked to the supervisor (Alex ID#xxxx) and he said that due to my documents being dated the 3/28/11 and they were due no later than 3/18/11. My loan would not have been eligible to file an appeal in the first place. I told him that the documents were dated the 28th due to the conversation with BOA on 3/28/11 because the ones sent before the 3 /18/11 deadline were "missing" or not received. I told him that I got a letter from BOR dated 3/30/11 saying they received my documents and it would be under review and that I would receive a letter with one of three outcomes (more information needed, loan mod was successful or it was denied). He said that the letter was automated generated and did not mean anything.

I then asked if I could still file an appeal since I was still in the time frame (before 4/30/11). He said unfortunately it wouldn't be eligible because of the documents being dated 3/28/11 not 3/18/11 and the only thing he could do was to request to re-apply (we updated our financials and started the re-application process) and I would hear something in 10-14 days. I told him that it would be past the short sale deadline and he said that "unfortunately due to the documents dated the 28th not the 18th of March this was all he could do.

On May 12, 2011, I called and talked with (Danielle ID#xxxx). She looked back at the notes about the last call on 4/19/2011. She said the account still had in foreclosure status on the account but with no sale date, also that it was in review for the loan modification status. On May 17, 2011, I received a call from Skip from the traditional Home Loan Modification department. He did not have any information about the Making Homes affordable process and that they were a different division. He gave me all of the information needed to start this process: pay stubs for a 30 day period, most recent bank statements for 90 days, detailed list of household expenses and a letter with specific detailed of hardship explaining the reason. I told him that since I was still in review for the Making Homes Affordable process. I would like to wait until that was finalized since it was so chaotic and did not want to start something else until the first was finished.

On May 18, 2011, letter dated that states they reviewed our request for participation in the federal governments Home Affordable Foreclosure Alternatives (HAFA) short sale program. Then it gave other alternatives for a standard short sale. On May 24, 2011, I received a letter dated May 17, 2011 stating they have received our request for workout assistance. However, they were unable to complete their review process due to missing information. They had attempted to contact us to obtain the missing information without success. Consequently, if they did not receive the information previously requested, our workout file would be closed on May 31, 2011.

On May 24, 2011, I called as the above letter requested and spoke to Jodie ID # xxxx. She said that it was a different department than the Making Homes Affordable line. All the information she had was that there was missing documents but did not have access to what was missing. She said to call the Making Homes Affordable line for more information. On May 24, 2011, I called and spoke to Mario ID# xxxx. He looked at the account and said that there is no sale date and there were two reviews processes at the moment.

He found the first denial due to the documents dated March 28th and not the 18th. Also that 4/19/11 then proceeded with the re-application process and it was put through for review on 4/20/11 and that it was denied because of missing documents. A note was put in that a new packet was sent out on May 19, 2011 and proceeded to look deeper into it. This is when we got disconnected. I tried to call back to talk to him again since it was a very long conversation but I was told that they were not able to connect to him again and the account was locked because the previous operator was still on the account notating the account. I was told to call back.

On May 24, 2011, I called back and talked to Darlene ID# xxx. She said that they do not call back when disconnected. She went through the account and said that our tax returns were submitted on 4/3/2011, that a letter was sent out on the 19th, but did not expand on the letter. Also about the re-application process on 4/19/11 and it went through on 4/20/11, a new application package was sent out at that time (did not receive). The account was also sent to the mod team for consideration and Making Homes Affordable was still considering us. She said it may take 30-40 days to receive the application package and put in another request to send one out. She said to call back around the 2nd week in June if we don't receive it and to remember it takes time for these things to process and due to the reason of the denial, we were able to re-apply because of the reason stated.

On June 14, 2011, I called to find out if another package was sent since we still hadn't received one. I talked with Katty ID# xxxx. She said that the work out was cancelled on June 1, 2011 because they never received the documents requested. I told her I never received any request/another application package. She looked through then notes and said she saw a note that a package was sent out on 5/24/2011. She then said she put in another request to send another one since I did not receive that one and to try again in 30-45 days.

On July 11, 2011, letter dated stating that they reviewed our appeal of their decision that the loan is not eligible for the federal Home Affordable Modification program. "Unfortunately, this letter is to inform you that your loan is still not eligible for the program."

I know that I placed another call after this letter, but I cannot find the information. I do know that I requested another application package request be put in since I never received the ones I had been requesting since April 2011. At this time, I was dealing with personal issues with my daughter and medical issues (cancer scare) of my own. I honestly did not have the energy to deal with Bank of America's nonsense any longer. I was ready to give up. It really was not worth being told multiple things, and being given the runaround like they had been doing to us. I had the I don't care anymore, just let them take the house attitude. It wasn't until after the storm and seeing a tree about to land on the house and the possibility that we would lose the house did I start to have a different attitude about our home.

That is when we started to look up BOR issues on the internet and found that this is not an isolated incident. We also started to talk to other people about BOR and we have two friends going through the same problems with them. There are also multiple people who are friends of friends with the same issues. These things and receiving the letter from the lawyer for BOA made us decide to try to fight for our house again. Again, here is a list of items received and/or BOA representatives we have talked to.

On September 16, 2011, letter dated from Harmon Law Offices stating they were retained by Bank of America to foreclose on our mortgage and we were to respond within 30 days with the amount necessary to reinstate or pay off the loan changes daily.

On September 22, 2011, letter dated from Harmon Law Offices stating they were working with BOA to help keep our home. The letter had alternatives including forbearance plan, reinstatement of loan, repayment plan, and modifications, deed in lieu of foreclosure, short payoff, assumption of loan, to fill out and return the Freddie Mac borrower financial statement.

On October 4, 2011, I faxed the lawyer the documents I faxed to Bank of America at the same time-- two separate divisions and his requested documents. 31 pages faxed to his office included: Freddie Mac Borrower Financial Statement, copy of the packet that was faxed to BOA for a request for a Loan Modification with the cover sheet explaining the documents, a copy of the packet that was faxed to BOA for another attempt at the Making Homes Affordable Program/ Request for Modification and Affidavit (RMA), with the fax cover sheet explain the documents. The application packet was found on the State of Massachusetts website with information for the request.

On October 12, 2011, letter dated stating that they recently received our request regarding workout assistance, which our request had been forwarded to a specialist in the appropriate department for further research. They appreciate our patience while information is gathered in order to respond to the request. They would contact us by telephone or in writing when their review was completed.

On October 26, 2011, letter dated stating that according to their records a notice of intention to foreclose was sent to us on 10/18/2010 indicating our loan was currently in default. The letter was to supply us with addition information to the previously mailed notice. They said to call because they wanted to help us determine the best option for our individual situation to avoid foreclosure.

On November 15, 2011, I called BOR as requested in the above letter and spoke to Joanna ID#xxxx. She said that the house was in foreclosure but the date had not been set yet and they received the documents on October 4, 2011. I asked to update our financials, told her that they have not changed and to look at the documents I have sent, she did and went over them with me. She said something that my debt to loan ratio was not make us qualify. When I asked her that isn't that the reason behind the modification and she really didn't answer.

She then said that they will put me through for a new traditional home loan modification and it can take up to 3 months to go through. She also said that they have changed their policy on how to do the modifications and they will now only have one person, a case relationship manager in charge of our case-- only one point of contact. She said it will be about 72 hours for a case relationship manager to call me and she will ensure she would expedite this case. It told her that it was good to hear that only one person would be in contact since for over a year I was being to conflicting information.

Even after being told that only one person, a case relationship manager would call and be the only contact, we received letters from BOR that they had local customer assistance centers in our area to have a personalized discussion with a home loan specialist. These letters were dated: November 16, 2011, November 21, 2011, and December 14, 2011.

On December 8, 2011, letter from the lawyer for BOR stating that enclosed is a copy of an Order of Notice in connection with the above reference matter. There was an Order of Notice from the department of the trial court/ land court that BOA filed with the court a complaint for determination of defendants / Defendants Service members status. The letter was from the Deputy Sheriff. It also said if you now are, or recently have been, in the active military service of the USA, then you may be entitled to the benefits of the Service Members Civil Relief Act. If you object to a foreclosure of the above-mentioned property on that basis, then you or your attorney must file a written appearance and answer in the court at Three Pemberton Square, Boston, MA On or before January 23, 2012.

As of this writing, we still have not heard from out appointed case relationship manager assigned by Bank of America and I have not called Bank of America due to the entire above runaround answers/directions. This entire process has been time consuming and overwhelming. Any assistance and/or direction you could provide us will be greatly appreciated. Please feel free to contact me. Thank you again for your assistance.

We applied for a loan modification to lower our payments. I lost my job in December 2009 and my daughter is now supporting our home on a housekeeper's salary. Instead of lowering the payment to "Make Homes Affordable" as they (BAC-B of A) say in writing that they will do, they raised the payment (now $561.81, use to be $550.00) and I was told to take it or leave it. A loan calculator said my payment may get as low as $341.00. They only lowered my interest rate by 1.25%, from 7.75% to 6.50%.

They went by our financial situation back in the Summer of 2011, however we work for the hospitality industry and those 3 months are great, the other 9 months we struggle so hard we have to use payday advance loans to get by. They also added into our income $447 a month for food stamps! We use to get $360 a month, now we only get $195 a month for a family of 3. I sent a food stamp history, they did nothing.

The modification got approved in November 2011 and I sent copies of our declining paystubs every two weeks like clockwork. They disregarded the current low paystubs (from 8/2011 to 11/2011) so they could make our payments high and unattainable! A win-win for them, a lose-lose for us. Then they told me there was no one in the entire company between my account manager and the underwriters that could answer any of my questions or help me.

They called me continuously until I finally signed the papers. I explained to anyone who would listen over and over again that they had our financials wrong. But it didn't matter to them. I felt I didn't have a choice. After I signed them, the BAC (Bank of America/Country Wide) "HOPE" department called me and said I should have been offered a negotiator, but now it was too late. I called my "account manager" today 11/28/11, and he told me the underwriters were the negotiators but they don't talk to clients.

So who was supposed to talk for me? The case manager who told me to "take it or leave it"? There has got to be something we can do. And guess who underwrote the loans! Fannie Mae and Freddie Mac! After that, I found Florida's Hardest Hit Program, but they can't help me for 6 months because of the "so-called" loan modification. I bought this place in February 1999 for $60,300 and they say I still owe $53,000+. After 13 years only $142 goes to my principal and after 13 years they still won't let me drop the PMI which is $25 a month!

Our mortgage was sold to BoA, and the effective date of new servicing was October 20, 2011. That day came and long passed before they actually processed the transfer and acknowledged our account. We were assured by every agent that we wouldn't be charged late fees and we would not be reported late. We were also advised by the old servicer, BoA, and HUD that if BoA didn't notify us of the transfer in a timely manner (2 weeks, I believe), they were breaking the law and would be penalized.

We paid the old servicer as advised, and when they forwarded the payment to BoA, BoA sent it back to our bank. After daily phone calls to both the old servicer and BoA, we finally got a random SSRA letter that happened to have an account number on it dated December 15, 2011. We promptly called and made 3 months of payments. We did not get the transfer notification until this week, late-January 2012. If you're keeping track, that is 4 months late.

We were charged a late fee, we were threatened on our first statement with consequences of delinquency. Every agent we've spoken since getting our account info has absolutely no record of us calling. This makes me wonder how they can track people calling to threaten them, but they can't track people that call in whom they are threatening. BoA is run by criminals with no regard for the folks that pad their pockets. I will follow up with HUD and I will be working with an attorney to ensure that a legal consequence to BoA is filed. This is criminal.

Yesterday I called Bank of America about my existing credit card which I have had since 1993. By the way, everything that I have ever charged on the card was paid on time and double payments. The customer service rep told me that they were going to issue me a new card because of a charge which I did not accrue. It turns out they lied. They cancelled my card because of some discrepancies on my credit report. I told her that this had nothing to do with my business with them. She refused to work with me and cancelled my card anyway. This is not the way to do business with a long time customer. So, what I am planning on doing is taking my savings out and put it in a small bank where you are treated like a human being.

After going through a year and a half battle with Bank of America to have my ex-husband removed from the mortgage, I was mentally drained. They "lost" the first set of documents I mailed them and thankfully I made copies of everything to send to them again. They could not tell me what happened to the first set of documents.

For the past 7 years, I have been making the mortgage payment via Bank of America pay plan so they can pull the amount from my checking account (a $4.00 fee for each payment is also charged). Despite all this, I still had to "qualify" to assume the loan although I was primary on the account and used my VA eligibility. September 2011 it was finally approved. In December 2011, I received a check issued from Bank of America for half of what my mortgage payment is with a note stating they have not received the full amount for my mortgage payment. Upon calling I was told that there was a glitch in the system. Again on the 17th of January 2012, I receive another check for the same reason.

Upon calling Bank of America, they could not tell me why this was happening and said the only thing they could do was to cancel and restart the pay plan. I was charged a late fee in both instances and that was finally waived. I'm still out the $8.00 for the "pay plan fee" and have to dispute them for that. Ridiculous! They said if I had a checking account with them, it would be easier to get the mortgage payment, etc. I made it clear to them that the only reason my mortgage was with them is due to it being sold by the previous mortgage company. I am in the process of refinancing with USAA at a better rate and a true knowledge of customer service. I will be glad to be rid of Bank of America once and for all.

In November 2010, we were contacted by Bank of America and were told that they had not received our last two property tax payments, which we pay every quarter. They claimed that they paid in our place and were expecting us to send them checks to pay them back for covering us for these last two quarters. This was completely false. We contacted our bank, who printed out the July and October property tax checks and even provided the exact date and time that Bank of America cashed the checks.

For the next few months, we spoke to numerous B of A representatives, whether we were calling to correct the matter or they were calling us to harass us for payments we already made. Bank of America claimed that even though they cashed the checks, they could not find it in their system and that we still owe the amount of two quarter payments.

We were still trying to correct this previous error when we were told that, once again, our next property tax payment never made it to them. Once again, our bank provided us with a copy of the cashed check and evidence that Bank of America cashed it soon after receiving it. We have spoken to every representative and supervisor at Bank of America, we have gone to our local Bank of America branch several times, we have called 311 for help, and we have spoken to agents at the City of New York Department of Finance. All we get is the runaround and a mass of people saying they will help us resolve this matter, when it has gone nowhere for over a year. These 3 checks seem to have disappeared into thin air and yet the money is not in my bank account and we still owe B of A for 3 checks they have already cashed.

Bank of America is a ludicrous and corrupt organization; we have been receiving 10-15 calls a day from debt collectors about this matter. This is an abusive corporation that must be stopped. If anyone is aware of any attorneys who may help, or if anyone is interested, I am looking to contact an attorney who can help people dealing with Bank of America troubles. Please email me at ** with any information or help you can provide.

This is the worst bank I have ever dealt with. I have a couple trying to assume my mortgage. I purchased another house. It amazes me how after 2 months they still don't have an answer as to whether or not they qualify. We have been told that they're busy, they're short handed, they've had holidays, they're at least 3 weeks behind, etc. When you call the operator will tell you they have 72 hours to call you. They won't transfer your call and tell you who's handling the loan. They will tell you at what stage the loan process is in or anything. I would not recommend this bank to anyone for a mortgage. They have lost our paperwork and said it was probably shredded. We have confirmation it was delivered.

It took over a month to get confirmation package delivered in mail. We finally got it faxed through to them on the 21st. I was on the phone when I was told they just received the fax. Then a couple weeks later they said the fax wasn't received until the 23rd. All they're doing is delaying this process and wasting me time and money. This is no way to treat a customer and I would call and tell them this but they don't return voicemails either. The consequence is possibly losing a buyer for the house that's been vacant for a year.

We have been trying to work out a modification with Bank of America for over a year, but have only been told one lie after another. We have sent every document requested and still nothing. We get the run around for months and suddenly there is no record of the modification and the same type of documents are again requested.

Now while we are waiting for an answer their attorneys have started the foreclosure process. We can make our payments, but they will not accept them. We were sending two payments a month when this started. The last two were returned and foreclosure started.

One would think they would rather have the mortgage payments rather than deal with the foreclosure. They have people occupying the house with the ability to pay, but obviously they don't care. We don't know what else to do.

Bank of America loan modification is a joke. We have been in this process since Sept. 2011. We have been sending them payments and they don't seem to see this as trying. They keep giving us a runaround on our loan process. We sent in our paperwork over the weekend of Thanksgiving. Our paperwork stated to be mailed back by Nov. 27, 2011 that was on a Sunday. No one is open on a Sunday. I have been calling to get the situation resolved but no one seems to know what is going on with our loan modification. All I get is a runaround on the phone.

The loan modification to me is nothing but a scam and to get more money out of people. They aren't even trying to work with people to save their homes. I know that I am not the only ones they are doing to this to! I don't see how they can get away with everything that they doing. Their customer service isn't friendly and could careless about you as a person or your home. All they want is our money!

I believe my husband and I have fallen prey to the Countrywide/Bank of America mortgage mess. We do not have any documents from them. They also had us obtain a sub-prime equity line of credit against the home and we do not know exactly what we need to do. In NJ who do we contact?

I lost my job in April 2011. I was able to obtain full time employment four weeks later but with a significant decrease in salary. I went from $4,400 month to $2,300 month. Though never late, in default or over 30 days paying my mortgage, I reached out to BOA for a modification due to my financial hardship. I have been denied across the board, mortgage not before January 2009. I have spoken with over 18 individuals never the same person, always the same response, "We have no modification for you."

They will not even work with me on any request I have bestowed. They have continued to deny me. They have also been instructed not to communicate with me via email and it has been two weeks since I contacted BOA again and they have yet to contact me. I don't care if my mortgage is not before January 2009. Not everyone is. More people have lost jobs since January 2009 and I am one of them. I was fortunate to find full time employment but I am not making the money I used to and therefore I do have a financial hardship.

I started this in September of 2011 and BOA will not work with me. Aside from hearing from various people, they do not know what another is speaking about. One person says one thing and someone else says another. How can you work for the President's office in the mortgage department and be unfamiliar with the programs the bank offers? It is absolutely ridiculous the lack of customer service, the lack of knowledge, the lack of commitment to homeowners to help assist, the ignorance of these supposedly highly qualified advocates.

I am tired of being contacted by different people. I am tired of not being contacted when requested. I am tired of them not being consistent except for the fact my mortgage is not before January 2009 which I knew from day one. I reached out for help and get denied. I was told, "You have to be at least 60 days late to be considered even that is not a guarantee," and at the beginning I was told to let my house foreclose!

Nice advice from a bank who is supposed to work with homeowners to avoid foreclosure at all costs and these people still have a job. Before my job was eliminated, I had no financial hardship and paid my bills with no problem. Now, I have a problem and I am not going to purposely not pay so BOA can continue to screw with me as they have with so many others who have foreclosed and been kicked out of their home. That should not happen and being told there is not a modification for everyone is absurd. There is always a way to work something and this back and forth is beyond and something must be done about it. I was told, "We have programs for people like you who have not been late and pay within 30 days," then "No, we have nothing. You have to have paid for 12 months." I have done that. Make up your mind. Which is it? BOA is completely conflicting.

To all having problems with Bank of America, you need to have a securitization audit done on your loan. That will not allow BOA to collect any insurance money on your loan or home. Therefore BOA will tend to work with you a little better. I did the HEMP program also and was dragged along for a year and then finally after trying to contact them throughout the year, I finally got a letter from them saying I was denied. I found a company that was willing to help me and they are the ones that did the securitization audit. They are TILA solutions. They have been a great comfort in this mad situation. I am now going to court with BOA over fraudulent acts that BOA has done with my loan.

I have been notified that my house is up for foreclosure and has been up for sheriff's sale 4 times since 2007. They put my house up for sheriff's sale while I was making the modification trial payments. I was making trial payments (did the three months) and never heard anything from them, so I continued to make the payment every month. Then, one month after 8 months, they denied my payment. I tried to contact them but was never able to talk to any one so the next month, I tried to make payment again and they denied it. A week later, I got the foreclosure letter and sheriff sale letter. It has been beyond frustrating for the past 5 years. If any one wants anymore info or if there is any way I can help you, please feel free to email me.

I don't have one nice thing to say about Bank of America. Over the past 3 years, it has been nothing short of a nightmare with them. They do not call you back when you have a problem, nor do they correct their problems. Reps. have promised me they would correct many mistakes they have made on my home mortgage loan/statements. They have not. I made regular payments on my loans and they choose to ignore it and send me statements that say I haven't made a payment or credit my loan account.

When asked about a loan modification, I got no answers. I had appointments set with Bank of America. The rep. did not call me back, did not keep the appointment. I had my credit score falsely decreased greatly by Bank of America. They reported I wasn't making payments when in fact I was. They illegally attempted to foreclose on my home because of this. I had to pay thousands of dollars to save my home. They still will not straighten out the problem. I know of so many others who are having very bad problems with Bank of America.

Our short sale experience with Bank of America was horrific. Without including all the details, it took over 9 months and nearly $15,000. Perhaps the biggest issue is that we felt taken advantage of. For example, after several iterations, we were finally at the closing table when we noticed Bank of America was not going to release our debt liability. That's the whole intent of a short sale! We contacted a lawyer and were able to get the release - after Bank of America, for the 3rd time, increased our closing costs. We have contacted numerous other people who did a short sale with another bank in considerably less time and money. 9 months and nearly $15,000 to complete a short sale.

BofA refused to make a scheduled monthly payment to my 84-year-old mother under the terms of her reverse mortgage. They lost her annual confirmation of occupancy, and when it was faxed to them, indicated that they would not go back and make the current month's payment and that she would have to wait for the next month.

After raising this several levels to complain, the bottom line is that the bank doesn't care or want to be bothered. They could easily send a one-time unscheduled payment to help with cash flow, but they are just unwilling. Worst customer service ever. I am going to change depositary banks as a result. I would like to see if I have legal recourse for their actions. This is a matter of principle for me, and I intend to pursue it diligently.

I called to inquire about refinancing options with BOA. They are my current lien holders on my loan for 5 years. We were hoping to apply for the HARP2 program, but we were willing to go with any program as long as we could refinance. We have never been late or missed a payment. A little bit of history, my wife and I both have decent credit: ~700 each. The only issue we have is that my wife was divorced in 2001. Her decree states her ex is fully responsible for the house they had (mobile). He defaulted on the loan in 2009.

I understand that since it was joint credit, she is responsible, and the divorce decree doesn't trump the loan. But being a valued customer, who has never been late and has sufficient income and a good credit score, you would think they would work with us--refinance a customer they know has been good. But oh no, they would rather sour this relationship for the rest of both of our lives for payments they will get for the next 3 years, when the rules state it is not on the record.

Beware all in this situation. No short sale or foreclosure on anyone's record for 7 years. Now have more dings on credit because of credit report being ran and cannot even buy a new house because of this.

I was one of the Country Wide people. Then BOA got a hold of my loan, took over my homeowner's payment and created an escrow account all without my knowledge. I am supposed to have a 30-year fixed rate mortgage with the first ten years being interest only. It was supposed to reset to about $500 a month. I was ill and late one month and somehow it bloomed into four payments behind even though I was making payments. Phone calls were useless. I have forwarded them so many documents I bet I have used a ream of paper.

They keep passing them to someone else because you don't qualify and the documents are too old so we start over. I finally got current on the mortgage and asked about the payment after the 10 years was up but they gave me the run around. No one knows these things. There is a formula they use, etc. I have reduced hours due to illness and collect Social Security and at one point they told me I would have to clear $500 more a month before they could do anything for me.

This has been two years going on 3. They took the money but are not willing to help people. My home is now worth $38,000 less than the mortgage. This people should not be allowed to review people's mortgages for modification. If I could I would refinance, but they trashed what wasn't a sterling credit record of 700 and I don't know if it can ever be rebuilt. They have caused undue suffering, panic attacks and aggravated my heart condition. I wish I could sue them for the suffering they have caused.

Today at 9:12am, we went on-line to check our mortgage account with Bank of America, which I do at least once a week. After logging on with my pass code, the site asked for my debit card information (with the code on the back of my card), and my driver's license number? So when called to find out why the rep states she doesn't know, she thinks this information is necessary to sign on. (?) So, I call the corporate office and was given a Sophia (who states her title is an officer) I did not know that was a title, officer of what?

Anyway, no help. So, we are writing you for you to explain to us why credit card and our driver's license number is needed? We do hope you know because as a customer we feel we give you enough money for as a customer information on our Mortgage Company site should be Free! We could be wrong but try to explain please. Thank you.

Zero is my true rating. My experience in refinancing my existing home loan (assumed by BoA when Countrywide went under) is like everyone else's. I paid the appraisal fee of $400 and sent in all required documentation on multiple occasions. I called and made many, many attempts to contact my loan officer to no avail. I left phone mail messages with my number asking for a status of our refi, nothing. I then went to her manager and left multiple voicemail messages for her along with my number to please call me, nothing.

I then contacted BoA mortgage department and asked for a status of my loan and was told that they could not tell why it was not progressing. I was sent a note rating their service after I called into customer support and completed the section outlining the issues that I was having with "Karly" my loan officer. I never received a call back, email or any correspondence from BoA. This went on for over three months and nothing. I finally called in again and raised hell and was finally told that my loan was canceled by BoA for failure to send in required documentation which is total ***. I have the faxes and transmittal pages showing when and what was sent in. This was a total scam and I will never do business with BoA again.

I have had a horrible experience with BoA. I was tricked into applying for a loan modification. The salesman Jeff said that it was a simple process and they needed $660.00, would close in 30 days. Then the fiasco begins. Keep in mind that I have never been late on one payment, this was their idea. The house happened to be in an LLC and they needed 35 pages of the LLC docs. After faxing several times, they always claimed they did not receive them. They had me talking to Angela 1 about all this stuff and after a month with her and failed transitions, Angela 2 steps in and claims that I did not need to be dealing with Angela 1 because I had chosen my own lawyer.

Then I began dealing with Angela 2 and began faxing upon faxing. She stated the docs went to Florida and then got emailed to Missouri, so I began doing this process over and over. Never got all the docs. Finally, with the help of Jeff and many threats, she finally received the docs. Then today I got an email from Angela 2 that the docs are not in and if they did not get them by the end of the business day, they were going to not approve the loan and I would lose my deposit. Funny how they sent that by email, instead of phoning. Then I started calling Angela 2 and her phone would not work.

After going through all this fiasco, today Angela 2 said she had all the docs but still having trouble with the LLC and I need to take it out of the LLC and put it in my name through a quit claim deed. But she did not know if this could transpire or not. So why worry me for 2 months to mail the LLC docs in hopes of getting me to quit? BoA is a huge scam artist.

In 2004 my husband and I paid off our home with Bank of America, a loan obtained in 1990. They sent us a lien release, unfortunately the lien release was fraudulent, not on the home we paid off in full. Wells Fargo found this out in a title search now, we have been fighting with them for days, and now I have had to retain an attorney. They still have their lien filed against our home even though it was paid in full in 2004. The worry over the last week has made me sick. They do need to be held responsible for acts such as this.

Every American needs to be made aware of this so they can check that their Lien release is correct, and not filed on another home. How can this happen or be allowed? We need protections in place.

I am disgusted at the practices Bank of America has with their mortgage customers. I am a hard working, self-employed business owner. I create jobs and do my part to be a law abiding, tax paying citizen. I pay my bills and I have never been unemployed a day in my life. Last February I contacted Bank of America to see what my options were for lowering my mortgage payment. Thanks to our President (Obama), the money I made in my business was cut in half due to government regulations his administration put into place. With the over $40,000 of equity I have in my home and my history of on-time payments, I assumed I had plenty of options. I was told that Bank of America did not offer me the option of refinancing and that my best bet was to try to do a loan modification. At the time of my call I was not behind on my mortgage. I was told I could not be considered for this program unless I got behind. I did make payment of my principal (at their direction) and continued to do so for the next few months.

During this time I was sent a packet (actually I was sent about 10 packets) of information to complete the loan modification. I provided BOA hundreds of pages of documentation that they requested. Mind you, the only time I knew they needed more documentation is when I called; they never call or follow up, just keep sending packets. After hundreds of faxed pages, dozens of mailed packages and countless phone calls, I was told that my paperwork was "misplaced" by the person working on it and that I would have to send it all again. Which I did. Then, I was told that I didn't get it to them quick enough so they closed my file and would not consider me for the loan modification because of this. Are you kidding me? Great program, President Obama. So now I am short on my mortgage payments, have had my credit affected, and have been left hanging out to dry. Add to this that I have had payments returned to me, payments in limbo (unapplied or applied at random to my escrow account), full payments accepted--a complete mess.

I have spoken to at least 50 different people throughout this ordeal, one more useless than the next. Now, almost one year later, I thought I was close to resolution. Yeah, right. I spoke with two different "Home Retention Specialists" about loan repayment. I was given two different amounts to pay them to get my mortgage back into good shape. The day I called to notify them that I was going to send payment, I was told I had a designated person to work with and that my amount was once again different. Of course this new amount was higher. I bit the bullet and pulled together over $9400 and spent over $30 to overnight these funds as I was told they had to be there in 24 hours. Guess what? I got a call from my "designated person" several days later telling me that this was not enough money and that I had to send another $400. Which I did, not happily but what choice did I have at this point?

Last week I received my check for $9400 back in the mail. Last night, in front of my children, I was served with a summons from the attorneys BOA employed to squeeze more money out of me and try to take my house. And today I received my check for $400 back.

I have never in my life been so frustrated and so thoroughly disgusted at how this is allowed to happen. I have made more than reasonable efforts to rectify this matter. I have been jerked around, lied to, misled, deceived and ruined by Bank of America and they could care less. There are supposed to be laws in place to protect people who are trying to do the right thing, like me, but instead the laws are protecting corporate greed hogs like Bank of America. It is unfair and unjust and I need them to be accountable.

We qualified for a loan modification late in 2010 and went through the trial period during January-March of 2011. We received a letter early in May congratulating us on completing the trial period successfully. We completed the required documents to make the modification permanent and have made the stated payments on time. However, B of A continues to show the old terms on the monthly statements. We called about this several times and were told that it just takes time for the new terms to be reflected on the statement. This week we were contacted by a company contracted by Bank of America to try to help us keep our home!

Now a B of A rep says that they have no record of having completed the modification program. We have faxed the paper trail to them and hope it will finally get straighten out. But after having read many other posts on this site, I'm starting to think this is a systematic effort on the part of B of A to stonewall modifications. They have reported payments that were made as agreed since the modification to the credit bureaus as late. And if they don't get their act together, the likelihood is a foreclosure even though we've made all payments as agreed.

I applied for a home modification loan and received a three-month trial period. I was able to make the payments and I thought everything was okay but BOA sent papers to be signed. I never received them. I called and told them, BOA said that me they'd send new ones but they never did. I called; they resent and finally I got it and sent them back on the same day but modification was called off. I may lose my house now because of their screw up! I can't pay 1159 dollar mortgage.

I am on disability and the modification takes up all of my check. I did everything they said to do! They are the ones responsible for the papers not getting done sooner. When I first told them I never got the papers, they never resent them. I called again and they gave me a song and dance and sent again!

I will make this short and sweet. I need an attorney who is not afraid of Bank of America to help me sue them for a derogatory loan, bad modification (including adding on illegal late charges), overcharging me for a year on my modification creating a further hardship, and instead of reimbursing for overcharging they kept the money and applied it to next month's payment. I was promised a new modification, on record I might add, due to the last one being not good; and low and behold, I was told I was denied because I can afford my mortgage as I am not late. Well, I have been late the last five months in a row so I don't know what in the heck they are looking at! I have been fighting this since 2007 with them and Countrywide, to whom sent me a check recently for $100 from a class action suit on PMI being bad (which I have not cashed yet due to the reasoning behind it).

Well, that is great but my PMI is still bad at $589 a monthyes, a month. Do you have any suggestions in FL that will help me? I know I have a good case, but I just need someone to help me push it through. I appreciate your time in reading my reader's digest version and any advice you can give me. This bank needs to be stopped. We have wasted billions of dollars to do these modifications. The government should have just made our payments for us. The banks are much richer and the homeowners are homeless! I will lose my home without this modification which the bank will still be making a ton of money on.

Tried to refinance. Bank of America told me to do a modification. That was the start of my two- year nightmare. I have sent documents they requested over fifteen times. Always the same thing over and over. If they would of just refinanced me, it would have never got to this point. Now my credit is ruined and I am losing my house. Why does the government let this sadistic bank operate this way? They need to be stopped. Wish I would of refinanced with a different bank. I hate bank of America aka the devil.

Should be zero. BOA has strung us along for 27 months to see if we can qualify for modification. I only needed it for an initial 6 months period until I was out of school and could work full-time. But they managed to lie, mislead, put-off, contradict, not allow us to pay any payments (except the full past due amount including interest, late fees, uh. I need help, fool), and prove they have no clue what they are talking about or doing. I have begged, pleaded, tried, yelled, cursed, shut up my blood pressure, cried, called, written, faxed, emailed, questioned, and remained in shock of BOA's tactics.

I was given hope then shut down. I was given incompetent employees including supervisors. I called every area of the world, Texas, Costa Rica, California, you name it and no one in hell told me the exact same thing twice. As of 01/03/12, I was told no workout is possible because the loan was 27 months behind and basically that's Fannie Mae's guidelines. That's it. After 27 months of this fiasco, I was told that I was refused for modification because it had been 27 months... that they had caused with lies and deceit. Please, someone please tell me how to fight these people when money for attorneys is not exactly an option for me!

B of A recently sent a notice that any mortgage payment received for less than the required amount would be returned to sender. I paid my mortgage in December and sent $2000, apparently I owed around $100 in fees and the required payment was closer to $2100. Instead of crediting my account the $2000, I sent them and asking for $100 more on my next payment, they returned my payment to me a few weeks later.

It seems to me as if B of A has no interest in me paying off principle and is more interested in creating late fees and missed payment fees while watching my credit suffer. While I understand they sent a letter explaining this would happen, it doesn't make it right. People are trying to make their payments. Why not credit the money they send to their account? I'm now required to make a $4100 payment but I'm now late on the previous payment causing me a fee and the potential of damaging my credit.

I applied for a meeting refinance on 10/17/11. On 10/24 the appraisal was completed and faxed to Melissa on 10/27. I was charged $400 for the appraisal. In early November, Stephanie **, Retail Manager, told me the loan was approved . Still no word from Melissa. The end of November, I contacted both Stephanie and Melissa to see where the loan was at. Melissa returned my call to say she would try to get to it by December 15th. I did not receive any more information on the loan until January 3rd.

I received an email from Melissa telling me that she needed new statements, HOA info and other paperwork as these items had expired! When I opened this with Stephanie she informed me I would be charged for the appraisal but with a quick turn around I would payoff my credit card. I told her I did not want any credit card debt. I was charged by the end of October and have been making payments since. Also, I have a Home Equity Loan that was not going to be paid off, but, Melissa neglected to inform the Title Company of this and the Title Company ordered a payoff on the loan and thus my Home Equity Loan was closed.

I called Melissa and Stephanie about this, they said it was not their concern, that all I needed to do was pay $95 for the Subordination letter and the loan would be reopened. I asked my Credit Union if this was true, they said they would not reopen the loan, I would need to apply for a new one! After I received the email telling me all paperwork had expired, I cancelled the Refinance with Bank of America. Bank of America holds my mortgage, I have never been late or missed a payment.

I thought this should be a fairly simple ordeal just wanting to get in on the low interest rates to help save a little money! I will never work with Bank of America now or in the future since this seems to be a great example of how they treat their customers!

I did not get the refinance as I cancelled the application. My credit card was charged for the appraisal of $400, which I am now paying off. My Home Equity Loan was closed do to lack of communication between Bank of America and the Title Company plus all the frustration I have gone thru trying to get these people to just help get this loan processed!

I currently am dealing with Bank of America regarding foreclosure. I am physically and emotionally drained due to the fact that Bank of America has not been very cooperative with my ordeal. Me and my husband have worked all our lives and for the first time on June 26, 2010 we became unemployed. We continued paying our mortgage the best that we could, but come May 2011 we were really struggling. We decided to contact Bank of America to find out what options we had to help us pay our mortgage. I was offered the modification application which was filled out and sent with attached documents.

We begin working again in September 2011. After several calls with no answers, finally in November we find out through an attorney that our home is being foreclosed. I called continuously and sent faxes and nobody had answers. My home was due for foreclosure on December 6, 2011 without any notification. I decided to call an attorney due to no response from the bank and he advised he would put a restraining order until we could figure something out. We went to court and nobody from Bank of America showed.

I have called and tried to figure this out but it has become impossible because nobody knows anything. I was advised that my modification was denied yesterday and now that's the end of any answers. I was told in the letter that the modification was closed because they are unable to verify income. I sent everything! I am making enough money now to send what I owe but nobody gives me any answers. I need your help, please. I am not going to lose the home my family has dreamed of. I am not denying to pay but please I need someone to give me answers. We are scheduled for court on March 19th to find out what is going on. I wish this nightmare would end and I could be at peace. This has caused severe emotional and physical distress I want answers, please.

After many attempts throughout more than a year trying to modify my house payments to get back on track, I lost my house. My house was in El Paso, Texas. My younger sister, single mom with four young children ages 1.5, 5, 8, and 10 were left without a home. Worst of all, right before the holidays.

The "reason" I was declined on all attempts was "lack of documents". I did submit all documents required at all times. At the end, B of A was supposed to postpone the sale of the house scheduled for Dec. 6th, 2011, but it didn't happen. While I was still waiting for a response from B of A, which I never got on time, the house was sold on that scheduled date. Then, I wrote to the CEO and I did get a response, but I was given too many excuses, "guidelines and deadlines".

Funny and interesting fact is that I received a letter (after speaking to the CEO advocate) with choices on what decision to make regarding the house. "Are you kidding me?", that was my thought. I also, just yesterday, received a call and a message from the same person for a "follow-up". This must be a joke! They have sold my house to Fannie Mae on Dec. 6th of 2012! I don't own the house any longer. This only shows that they have no clue on what they are doing! I would like to know if there is a lawsuit going on against this institution that I can join. Maybe we can stop this mess and keep other people in their homes!

My name is Jose ** and I had a home at ** Mission Viejo, CA 92691. All supporting documentations will be attached bellow. For approximately a year and a half, I have been applying to try and get a loan modification with Bank of America. The process was really tough, because in the beginning, you didn't have an assigned case manager, so it was tough to get any updates from them. I recall that I had to resubmit paperwork several times, because I was told that after 30 days the paperwork got old.

After several phone calls, and pleading with Bank of of America, I received a personal case manager, Angela **. She told me that Bank of America changed the way they do business, and that now, I will have her as a contact person to get me through the process. Everything appeared to be going well. She told me that as long I was in the process, my home would not get sold. Per her request, I faxed over the last of the documents that she wanted on October 24, 2011. Angela ** told me that all my documents were in on time, and that they were being sent to the underwriter.

On the same day, October 24th, I was notified that my house apparently had been sold at an auction. I quickly notified Angela ** at Bank of America, and when she did respond, she told me to disregard the notices, because my paperwork was in on time. She said "I was trying to get you an answer on the notice you received. I showed it to my manager, and she said disregard the notice, because you got all of your documents in on time. Sorry for the delay".

During this process, I kept getting phone calls and notices from an REO Broker, Michelle **, who is the representative of Alton Holdings Inc., the company who apparently purchased my house. Because I did not want to lose my house, I filed a complaint with the OCC-Treasury Division of the Federal Government, requesting that they look into my case, because I didn't think Bank of America was handling my situation properly. Shortly after filing my complaint with the OCC-Treasury Division of the Federal Government, I received a call from Tammy **, who told me that she will be my new case manager, and she worked at of the Office of the President of Bank of America.

Tammy ** and I had several telephone conversations, where I was assured that the sale of my property was a mistake, and that Bank of America rescinded/cancelled the sale. Tammy even gave me the number to the Recon Trust Company, who apparently were instrumental in the sale of my property, and the information I received from them through a recording, was the same information that Tammy ** received, the sale of my house was rescinded/cancelled. She wrote to a Joy **, "can you please provide me an update on Jose **. The recession appeared to be approved. I was proceeding with the modification. He received an email from Michelle **, **, saying that it was rejected. I'd appreciate any updates you may have. Mr. ** is extremely upset. Recon is saying the sale was cancelled".

Tammy ** reassured me that everything was fine, and that she was proceeding with my loan modification. She told me that I should be receiving my loan documents soon. She went on to tell me how the loan modification program was going to work for me. She said I would have a 3 month trial period, to make sure I could make my payments, and then the loan would be permanent. I was really looking forward to getting the help I needed. Shortly thereafter, my communication with Tammy ** stopped. As you will read in my supporting documentation below, I have been trying vigorously to make contact with Tammy ** and her coworkers, to try and get answers, only to have my request ignored.

On December 22, 2011, I found a notice on my door, telling that I need to be out of my house by Wednesday, December 28th, by 6AM, or I will be forced out by the Sheriff's Department. The plaintiff on the notice is Alton Holdings Inc. and I was named the defendant. As you might imagine, this was very upsetting to me. On December 27, 2011, I sent everyone involved with my case the following email that really sums up my whole situation to this point:

It's December 27, 2011 and just a few hours ago, I was paid a visit by the Orange County Sheriff's Department reminding me that I needed to be out of my house by 6AM tomorrow. I told the officer that I would be out, and that I was trying to clean as much as possible. As you probably know, I am as disappointed in the whole process as one could be. I was lied to, misled, and all by the same people who were entrusted to help me. To all the employees at Bank of America, the system has apparently failed yet another United States citizen, me, Jose **. I did everything that was asked of me in the time that was allotted, and I still apparently lost my home. As far as I know, I am still in the loan modification process, and there is no valid reason for me to get denied, because before this hardship, my credit was impeccable.

Tammy **, you promised to communicate with me on a daily basis, and you as you can see you failed to keep your promise. Why you would lie to me, is unknown at this time. I have requested help from the Federal Government, the Office of Congresswoman Loretta Sanchez, and tomorrow, I will be contacting Senator Lou Correa. I will also be meeting with my attorneys to discuss how to proceed.

Michelle, I will be leaving the key under the doormat, in case you would like to pick it up. For unknown reasons, Bank of America reps told me that you were lying to me, and just were out to make a profit. As you know, they assured me that the sale of my home was rescinded. Apparently, it was not. Everyone at Bank of America has apparently abandoned me, and they won't even return my emails or calls.

As a citizen of this great nation, one that I support and fought so hard for, keeping the peace and enforcing it's laws, I am saddened that I was treated this way. I hope, at the very least, all of you enjoyed your Christmas with your families. Hopefully next year, I will be able to enjoy mine. I am saddened that I had to spend mine cleaning out my home. In closing, I did everything that was asked of me, in order for me to save my home. There were many options on the table for me, but I didn't get a chance to exercise those options, because Bank of America assured me that my loan modification was accepted. I was with the underwriters, and I would be getting my new loan soon. I was also assured that the mistake made when Bank of America sold my home was corrected.

I am going on my 4th day that my 13 year old son and I, were forced to leave our home, and we are struggling greatly. Bank of America continues to ignore my request for dialogue. I respectfully ask for your assistance in this matter and I hope to hear from you soon.

Two months ago, I requested either a refinance or mortgage modification. I have never been delinquent or made a late payment. However, within 2 days of my request, BofA restricted access to my online account so that I am unable to make my payment. I was informed by a customer service representative that once you request a modification, your access is immediately restricted regardless of whether or not you have been offered a modification let alone even sent the application back to them.

Because of this, I informed BofA I would not be filling out the application and was no longer interested in the modification or refinance. I am still unable to make a payment even though they mailed me a confirmation letter two weeks ago acknowledging I was no longer interested in the program. Bank of America does not mail paper statements, so if you don't live anywhere near a BofA branch, your only option to pay is via phone of which they charge $15 for. As a result, I have created a petition on **, so please sign it to get BofA to stop shady practices for those of us homeowners who need help or just want to take advantage of lower interest rates.

The U.S. Federal Government enacted home programs to help restore confidence in Americans. Why is the government reneging on these policies? The government created programs like HAMP (Home Affordable Modification Program) and delegated/paid the big banks to administer them. Therefore, the big banks have a fiduciary responsibility to the Fed to implement these programs. Big banks don't like these programs and do everything to avoid implementing them. They can and do get away with this dereliction of duty because the government refuses to oversee these "private" institutions. If the banks do not want to administer the programs, give them back to the Fed.

In my family's case, we have been involved in some variation of Fed and big bank ** for 20 months. In the latest chapter, we have been involved with the HAMP program since February 2011. We were granted entry into the program and it's three trial payments. Finally, hope. We have owned a printing company for 20+ years. It (like many small businesses) was devastated by the inept decisions from the best and brightest of America's finest colleges. Hope. That is what the programs were designed for. Hope is what we were given. With this new hope we decided to try to salvage our business.

We made our three payments. We heard nothing from Bank of America. We made a fourth payment because we had no idea what to do. Later, we received a letter saying that we did not make all my required payments and we were denied the HAMP program. We did and still are contesting this. It seems there was a clerical error. Our payment of $1302.00 was entered as $1032.00; simple transposition error. No, the computer rubber stamps us out. Bank of America says to call for other programs. Bank of America does not answer phone calls, or return messages.

We have left over 100 messages for our Client Service Representative. That is who our account goes to, automatically. Never once has he called back. We have never spoken to him. If we enter a wrong account number, we can get a human, but then get transferred back to the Client Service Representative, and the cycle repeats.

We are now involved with a HUD contracted credit agency to help with the process. They are the only ones that can get through to Bank of America. Any Bank of America representative works with us over the phone on a 3-way conversation and then emails our Bank of America Customer Service Representative and his boss. Four weeks running now. No replies. How is a little person supposed to hold a federally backed institution accountable? Meanwhile, another month goes by, and now into a new year.

When we started the HAMP program, we were one month behind. Now because they don't recognize the trial plan and payments we made, plus their apathy, we are 7 months behind. I fail to see what is missing here. Everybody says to ask for help and yet Bank of America refuses to reply. "Bank of America is insured up to 90% of the loans on homes so when they foreclose on a home, the U.S. government in their infinite wisdom pays them 90% of the loan, then the bank also gets the amount of the sale of the home from auction.

They are making 200% from foreclosures." (A quote from a below post). My husband and I are so mentally drained and broken from all the fighting with them. We will keep on fighting, but thoughts like the above make me wonder if it's any use. And families like mine, who have worked hard for many years, busted our ** to live somewhere safe and in a modest home that we poured our blood sweat and tears into are being tossed out of them like garbage.

My modification was denied twice with BOA and now I'm facing foreclosure. I was given/offered $3000 to move. I am now 12 months behind. They are extremely insensitive and evil. They have no interest in helping anyone because they make money on foreclosures and short sales. BOA is the worst bank when it comes with modification. They string you along until you reach your year mark where FHA won't qualify you, then they'll deny you. I have not met anyone who was approved for a mod with BOA. Sadly, I know and heard of many who have lost and are at the verge of losing their homes. Shame on you, Bank of America. God will deal with each of you accordingly. Nothing lasts forever.

I purchased my home in July 2007 with BOA as the lender. I remained with them until December 2011 when my loan was sold to Green Tree. When I received the notice, I Googled Green Tree and became very afraid of what I found. However, I opted to stay calm and continue to expect the best, but prepare for the worst. Around the 1st of December, I was contacted by a Green Tree representative by phone as a welcome and explanation of payment options. This call lasted 2-3 minutes. On December 11th, another Green Tree representative called and asked if I was ready to make a payment over the phone.

This representative explained that any account that is not paid by the 1st is automatically referred to their Collection Department regardless of the 15-day grace period. This representative explained that if I wanted to avoid this, keep making payments during the 1-15 days timeframe. He could create an electronic payment for a 4-month period that would debit my account every 4 weeks. I immediately accepted, and together, the representative and I created specific dates based upon my pay dates that my account would be debited for my mortgage payment.

He also explained that I needed to call them every 4 months to recreate the electronic payments. Also, he explained that this method would place me 2 months ahead of my mortgage by December 2012. I received tracking numbers, exact dollar amount (including a $12 processing fee), and specific dates for each electronic payment. Bank of America NEVER DID this. I wish they had because by now, I could be 4-5 months ahead on my mortgage. Over time, this could have shaved years off of my 30-year loan. Plus, the transferred paperwork from BOA did not include copies of my insurance information. Green Tree sent me a letter informing me of this outstanding requirement.

I immediately contacted my Condo Association and faxed the paperwork to Green Tree. The next day, when I contacted Green Tree, the representative was able to locate my paperwork by using the fax number and the Association's name. I was placed on hold and the representative informed me that the paperwork was in order and she had integrated it into my file. BOA never asked for proof of insurance.

My husband and I have been B of A customers for 41 years. We were contacted by the bank at the end of Oct 2011 to refinance our loan, making our payments about $700 less per month. We received the initial application paperwork and sent all the documentation to Tampa, Florida by the first week of Nov which included our 2010 tax returns (remember this for later). An appraisal was completed soon thereafter, appraising the house at $680,000. Our loan is approximately $380,000. Our next contact was with the loan processor, asking if we had received the notice of incompleteness, to which I responded no. She gave me a list of documents over the phone that I needed to provide within 10 days from the notice which I hadn't received yet, giving me three days to comply.

When my mail came that day (Nov 17), there was the notice of incompleteness dated Nov 10 in an envelope postmarked Nov 14. Why it took B of A four days to drop this notice in the mailbox is beyond me. I gathered all the requested documentation and FedEx'd it Priority Overnight, with an arrival date of Nov 21. I left several voice messages after that asking whether the information arrived and if it was what B of A needed. I received no call back.

The next contact with B of A was Nov 28, wherein our loan processor told us the loan terminated because the property was vested in a partnership name. After speaking with the loan processing manager, he said to vest the property in our individual names. We went to the recorder's office the same day, changed the name on the title, FedEx'd the conformed copy to the title person at ValuAmerica, then received an email from him stating, "We received the okay from the underwriter." Now, it's Dec 7.

The next letter from B of A was a Notice of Action Taken stating "Title cannot be vested as requested." This notice was dated Nov 29, in an envelope postmarked Dec 14, arriving on Dec 16. Another instance of a letter sitting on someone's desk, this time for a period of two weeks. My husband and I began making multiple phone calls to our original loan processor and her two supervisors, always getting their voice mail saying they will return our call within 24 hours, which never happened. What we got was a phone call from the salesperson who we originally dealt with saying the loan was probably terminated too quickly and all we should have to supply are current bank statements.

Within a few days, we received an email from the salesperson saying he had spoken with the loan processor and she had a list of documents we needed to supply. Turns out the documents she needed were the same documents she received on Nov 21. After several phone calls to the loan processing manager, none of which were returned. On Dec 27. we received a phone call from the salesperson saying he had spoken with the loan processing manager and our "debt-to-income ratio" was too high. The salesperson said he had the same numbers and didn't think the processor's analysis was correct but maybe we should start the process all over with a "fresh set of eyes."

The next day, the salesperson called and said he had again spoken with the loan processing manager and he had "bad news." In our 2010 tax return, our adjusted gross income was too low to qualify for the loan. My question is if this is really the reason for denying us, B of A had this information from day one. Why didn't they reveal it then instead of leading us down this path of frustration and exposure to incredible incompetence on the part of their employees? Does the bank even take into consideration the fact we've never missed a payment on the current mortgage so why would we default on a payment that's $700 lower? There's some serious harassment and game playing being perpetrated by the bank.

My rating is actually a big fat zero for BOA but I had to put something to get this through. My complaints are the same as all the others listed on your site. I refinanced my mortgage and at that time was told it was an A.R.M but as long as I refinanced it within 3 years, it would be no big deal. Well when my mortgage was due to reset, I attempted several times to refinance however, I had no equity left in the home so a refinance was impossible.

My mortgage went from $1200.00/month to $3345.00 per month after my loan reset in 2009. I did everything right! I went to CCCS of NH/VT for credit counseling - worked out a monthly budget and worked with their HUD mortgage person who contacted my mortgage company at the time, Wilshire, who worked out a monthly trial payment. This trial payment was for 3 months (HAMP/HAFA) and as long as I made my 3 payments on time by the 1st of every month, my loan would be remodified to something I could afford. My 3 month payment was $1270.81 (a % of my income) the first payment was to start 1/1/2010. I started this payment on 12/1/2009 (a good faith effort on my part). I made every payment as agreed. Mid March of 2010 I received a letter from BOA stating they bought my loan. My first payment of $3345.00 was due on 4/1/2010.

I called immediately and discussed the agreement with the previous lender (I had no idea BOA was buying my mortgage or even that it was being sold by Wilshire). They assured me everything would be just fine - "please resend us all the paperwork you send to Wilshire so we can process your re-modification". I faxed (received confirmation) all 42 pages that next day. A week later when I called to see where it was in process, I was told it was never received. I re-faxed it and again, received a fax confirmation. I called that afternoon and was told it was received and would be processed ASAP and was encouraged to call back weekly to check the status - to which I did for almost 6 months.

They kept telling me, "Don't worry, it's in process - we don't have many officers to process the number of applications coming in so just keep calling". I started calling monthly and the story was always the same - "it's in process" or "the person who was processing it is swamped so we've sent your application and docs on to another representative, but keep calling it will be processed soon." This went on for over a year. Then I got a letter in April of 2011 stating that my loan is being foreclosed due to my account not being current. I called, was told that I was 18 months behind. Mind you, I'd been making the agreed upon payment of $1270.81 every single month since the agreement was. I told them I was going to keep my end of the agreement and keep sending them the $1270.81, they could do with it as they chose but I gave my word as did my previous lender.

In June of 2011 I received a check for $3500.00 which was a reimbursement for my partial payment in December 2009 (BOA didn't even own my loan at that time). They also said I didn't qualify for HAMP/HAFA. I went to the CCCS of NH/VT and met with the same man I met with in November of 2009 when my loan was due to reset. He told me I still qualified for HAMP and he couldn't understand why BOA was saying I didn't. I deposited the check and per my usual, sent them my July payment to which a week or so later was deposited back into my checking account. They were now refusing my monthly payments - my agreed upon monthly payments. After several months of arguing the point with them, harassing daily (in excess of 5 - 8 times per day) phone calls from them at my work, I decided to get in touch with Senator **.

She/her office (Colon Pio) has been absolutely wonderful - while she's/they've not been able to save my home she's/they've been very instrumental in staying on top of BOA and the Short Sale process. I am not happy about being forced out of a home I raised my family in for 15 years. I'm not happy about being jacked/robbed/harassed/belittled/berated by BOA. These people are ruthless. The only reason they are still in business, in my personal opinion is because they sucked off the ** of America and took money from the American people to dig their own ** out of the pile of dung to prevent bankruptcy and foreclosure of their own faltering, poor decision making ignoramuses.

See that's the difference between BOA and the average American struggling homeowner, they get a "hand out" from the Federal Government (here big bank of poor decision makers - here's a bailout) and we, the homeowner get a hand out of our homes. Kicked to the curb with a smug look and a finger up the wazoo - ain't that a fine, "how do ya do?", I say we all get on the bandwagon and sue, sue, sue! Where is my bailout? Where is your bailout? Oh wait, that's right, Bank of America got it and your house too! This bank has cut off its nose to spite its face! Greed, greed and more greed. I hope they go under, way under. It's a feeling that robs you of who you are, who you've worked hard to become and is a real kick where it counts.

I have had the same experience that the rest of you had. I have been going through this for 6 months. Making Homes Affordable states that it is for people who are current, which we are. It is getting tougher though, with the drop in my business. Always the same thing, and new people to speak with. I faxed documents 12 times. I do not understand that there is no one to speak with, about their tactics. I am very frustrated.

My father's house went to trustee sale on December 22nd, 2011, no bidders and so it went back to Bank of America. Here is the strange part. We had an offer from a buyer one month prior and Bank of America countered the buyer one day prior to the auction! The assigned representative to the file told my dad two days prior to auction that she would postpone the sale and our agent reassured us the house wouldn't go to sale and get postponed.

Our home of 20 years got sold and by direction of Bank of America, we need to vacate our home preferably within weeks.

Due to the loss of my second job and my spouse leaving, I am unable to pay the full mortgage payment. Nonetheless, I kept paying it while I could and I asked the bank for help. As long as I paid, they didn't care. So I stopped paying and that got their attention. I am a year behind in payments but even so I am not underwater on my mortgage. I have tried to get a modification for my home loan for 22 months now and I am back at square one for the 5th time. My brother is a mortgage broker and I have an attorney working for me who has modified many loans. They assured me that I qualified for a modification according to the formulas. However, they both warned me that Bank of America was the worst at modifications. Every time I seem to be making progress on the application, my case gets reassigned and the new person wants all the same paperwork over again.

In August of 2011, they sent me a letter thanking me for my application and stating that I would hear from them within 20 days. Well, they lost my file for over 70 days. They could not give me an update until the newly assigned manager and I finally spoke on the phone. Is it a coincidence that I am now more than a year behind on payments and I will no longer qualify for a modification under FHA guidelines because I can't be behind more than 12 months? I feel that Bank of America intentionally ran out the clock on me. This can't be accidental. The new manager said that the documents expired and I need to start all over. I am so sick and tired of this game. The new persons never know what you have been through and just give you the same old run around. I have had it with Bank of America. I will try for a short sale and then let the process play out.

Since I am not underwater, they lose nothing. I guess they are happy to lose customers. Friends of mine have modified loans with Wells Fargo and Citibank in less than 6 months. Bank of America just doesn't care. I hope they get a class action suit filed against them to reveal the systematic abuses they perpetrate. It seems that the employees are all making minimum wage. Their lack of enthusiasm and lack of knowledge is on display every time I call. Bank of America is indeed a ship of fools.

These people do not deserve a rating. I would never have a mortgage with these people again. When my husband was laid off, I called and was told I would qualify under the Home Affordable program so I applied and then I kept having to submit the same paperwork over and over. The last time I emailed all the paperwork to the guy who was supposed to be my contact and he did nothing. So finally, I got a letter saying I didn't respond in time so I was dropped from the program. I have sent multiple compliant letters to BOA and they really don't care. I then meet with an actual live person at one of the outreach centers and the service is just as miserable. I am still waiting for her to get back to.

This whole thing with helping homeowners is nothing more than a joke. I have done everything I can and now I am out of options. I have been sacrificing everything to make my payments. I can't afford to ruin my credit because my husband is in finance so that would look bad. What I want to know is how you get help you need because it won't be from BOA.

I fell behind by one month on the mortgage payments due to disability during the summer. Then hurricane Irene hit and I was out of a job for 3 weeks. (Nj was declared a national emergency by Obama/Fema). I am able to make my payment but cannot get current to have my monthly payment paid by the grace period of the 16th of the month. I have contacted Bank of America more than 20 times. I have spoken with countless amount of people and many, many departments. They have no program for people in this category at all.

They have no program for people in this category. I just need to skip a payment and add on to the end of the mortgage or divide a payment into three months to get caught up. They say "sorry to hear you are having trouble but there is nothing we can do, let's send you to another department." I have been through 10 departments with no success. They call constantly and send letters threatening foreclosure if my account does not get current. Then again they say I am current because I do get my payment in, although late for the past 5 months. It's very frustrating going into 2012. We need help now. We bailed BoA out and this is how we are treated as a society. It's absolutely heartbreaking.

I am a BofA mortgage customer because of the Countrywide debacle. I have never been late on my mortgage. This past October, BofA notified me that they would be selling my (servicing) loan to M&T Bank. M&T sent me a letter telling me to send my December payment to them if made after 11/16/11. M&T cashed my December payment on 11/28/11. BofA sent me a letter on 12/06/11 stating that they have reversed the transfer of my loan and BofA will continue to be my servicer. I called them on 12/13/11 and 12/14/11 inquiring about my December payment and was told by BofA customer service, "Not to worry, due to the transfer, RESPA guarantees that BofA will not assess late charges nor will they report to a credit service regarding this payment."

On 12/20/11, I received a call from BofA's collections department notifying me that I was late on my December payment and that I needed to fax in all documentation proving that I had made the payment to M&T Bank. I have done so and I have also sent a certified formal letter to BofA's payment research department requesting that they stop the process to alert any credit bureau of a late payment, per RESPA. I have continued to get calls from BofA's collections department, each one speaking to yet annother supervisor informing me that they "cannot guarantee that late fees will not be assessed." They also refuse to send me the January statement because the December statement has not been satisfied and they cannot interrupt the process.

In researching RESPA, I am absolutely appalled by the lack of protections for consumers/borrowers. Even if BofA is found to be in violation of RESPA, there is little to recover and much to continually have to deal with when applying for future loans, i.e. HARP refinancing. I would like BofA to immediately fix the mistake they started and reinstate my good standing with them, so that I can find another servicer for my mortgage. I am concerned since I live in NV (the foreclosure capital) that they give me little to no respect and have put me in a high risk category simply for living here. I am also questioning the timing of the transfer/reversal due to the HARP 2 program.

I am still receiving calls from BofA's collection department (yet there are new supervisors each time now). They have not applied my December payment made to M&T Bank to date. They have recently sent me a customer service survey via email. I still have not received a January statement and the collections/customer service department cannot guarantee stopping late fees. M&T Bank has no record of me or my loan even though I have letters from them with an account number. I seem to be stuck in some sort of loan transfer purgatory that BofA's "system" cannot interrupt nor stop charging me fees. Worst of all, the federal law established to protect me is useless.

I received some hurricane damage from Irene, and despite all repairs have been made, that I paid for myself, and sent estimates and receipts, the mortgage company had sent their own adjuster out, and said repairs were 100 percent done. The bank is still refusing to endorse the insurance check. I have faxed them all of the requested papers. Some of them 4 times, as they keep misplacing them. I am tired of one person telling me one thing, and then when I am supposed to get the endorsement code, it's suddenly something else, or it's give them 48 hours.

It has been 3 weeks, and I am out of money from my own pocket, as I had to pay for repairs, and mold, and water clean up ASAP, as my son has asthma, and my wife has COPD, and could not be in the house with mold, and their adjuster gave them the okay to sign off at one point. I was told they would only cover materials. This is becoming very frustrating. I have missed time from work, to talk to these people, not to mention the cost of faxing the same documents over and over. It seems like they are trying to blackmail me or something. I cannot take any more of this. The stress has been unbearable, not to metion I have a 5 year old, and he doesn't understand why mommy and daddy are so stressed and angry.

I really don't think that I can add much more to this complaint forum that hasn't already been said. I too have a "new" case manager and he too said that I would be receiving a FedEx package with papers to start our modification. It never showed up! I have been hearing the same song and dance since July. We're in foreclosure status. Finally, my "new" case manager emailed me the forms and I filled everything out, fax info back on both portal fax lines and to my case managers personal fax line. I haven't heard a *** thing.

FYI, BofA is insured up to 90% of the loans on our homes so when they foreclose, our government in their infinite wisdom pays them 90% of the loan, then the bank also gets the amount of the sale of the home from auction. These idiots are making 200% from foreclosures. This is why you never get an answer from the people on the phone. I suggest that everyone send their story to the White House. Yes, they will respond. I have sent my information in to them complete with dates, times and even the BofA employee ID #'s to the White House.

Each time I do this, I receive an email from the White House wanting me to keep them up to date on my status. I mentioned this to one of the bank's employees and she laughed at me saying that BofA doesn't not have to follow the government's guidelines. I said, "But the government is the one that saved your sorry butts," and she actually said, "Well, we say thanks by screwing the government." Amazing!

I wouldn't work for this bank if it meant I was going to lose everything I owned. They are thieves. Their actions are completely immoral but no one does anything to stop this. Well, I am not going down without a fight. I may not be successful alone but if the people pull together then maybe we could make a dent into this organized crime hoarders. I just wonder what the CEO will be bringing home this quarter in bonuses.

I lost my job in 2009. Depleted savings and retirement making house payments until earlier this year. Have repeatedly asked BoA for short sale or restructuring of loan with no response.

I could not believe it when I was thinking I could get help to lower my payments. I read the website and I sent in all of my papers and I was shock Bank of America did not do anything to try to help at all and all the bail out money was giving to this company.

I have a VA loan through Bank of America. I've been making my payments the same way since I first got the home loan two years ago. I pay most of the money on the 1st of the month and the remaining balance on the 15th. All of a sudden and without notice they stopped taking partial payments. Instead of crediting the money back to my account they chose to mail a check back to me during the Christmas season. The best part is they waited to send my partial payment from the 1st until after I had completed the payment on the 15th.

Their collection department has been calling me 5-6 times daily asking me for a payment. Today is the 27th and I'm just now getting the payment from the 1st of the month back and now have to wait until I get the check from the 15th back as well. When I tried to reason with them they basically told me I'm stuck with the late fees and that if the payment is not made before the 1st, it will be reported to the credit bureaus that I was more than 30 days late on my payment. (The only reason there's one star is because you can't pick zero).

My nightmare with Bank of America's Making Home Affordable Program started in March 2010. 2009 was devastating for the construction industry and many of us began to struggle and fall behind. I managed to scrape by until the spring of 2010 when my saving, pension and unemployment ran out. After becoming 2 months behind ($2800) on my mortgage I received Notice of Intent to Accelerate. Shortly afterward I received a mail informing me that I was selected to participate in the Making Home Affordable Program and to start paying a reduced mortgage payment.

Of course I thought this was great! I found a new job about the same time and felt confident I would be able to make the trial payments on time. My old payment was about $1400 and the new payments were about $850. My old jobs paid above $25 per hour; my new job paid $18 per hour plus overtime but is more seasonal. I only work 9 months of the year at the new job. Bank of America would ask me periodically to update my financials during the program.

After 8 months of paying into the program I received another Notice of Intent to Accelerate. The notice stated that I now owed over $8,000. I was shocked! At the outset of my being entered into the program I was unaware, that if I was denied my modification, I would be held liable for the balance of the reduced payments. This includes miscellaneous charges and fees. It was never stated over the phone or in writing that this would be the consequence. This program has turned from an opportunity to help the struggling homeowners struck by corporate greed, into the final devastating death grip of predatory lenders. The modification evaluation process is done behind closed doors. These decisions are devastating to 80% of the borrowers whom have entered into these programs. At the very least the bank should be required to send the Net Present Value (NVP) report used to determine their denial to the mortgage holder. The mortgage holder shouldn't have to request it. The bank most likely has destroyed it anyway.

I refinanced my mortgage in October 2010 to lower my interest rate. I signed documents with Spectra Funding. Bank of America became my loan servicer. I do not wish to do business with BOA. I never signed any agreement or documents with BOA. I pay my mortgage payment in two installments so as to reduce the amount of interest paid over time. These payments are drawn electronically from my bank account and directly to my mortgage account with BOA via a service my previous and current bank provides to its account holders. This service is free.

In December 2010 I found a rental here in NY where I am from originally and returned to after my husband's death. I was able to find work here after only a month. I still own my house and property in Somerset County, Maryland. There is a nice couple and a baby renting my house right now. I am not turning any profit on the rental. In January 2011 I received the first calls from BOA claiming I had not paid my mortgage. When I gave them the correct information and they checked my payments received, they informed me that they had applied them incorrectly to my mortgage payments. They told me at that time that they would require me to open an account with them in order to pay my mortgage in such a manner. They also explained that if I did not do so, they would still accept my payments this way for a monthly fee.

I will not pay a fee to save long term costs on my mortgage, and to use a service provided to me for free by my bank account holder. Furthermore, I will not be forced to open an account with BOA, whom I do not wish to do business with in the first place. Every single month I received multiple calls where the agent told me I had not paid my mortgage and over course of a few days BOA would make the necessary adjustments to fix the problem. I repeated again and again that they must re-calculate my mortgage to reflect the proper application of my payments. They would create an account to hold my money in interest free, and apply it when they had received the maximum benefit from my monthly amortization.

I filed a complaint with the OCC, which is still pending. Status is complaint received, review in progress. In September 2011 BOA began sending me checks for half the amount of my mortgage payment. At the same time, they had begun calling multiple times a day, every day, for the last two weeks, making collections calls that state I have not made my mortgage payments, despite having the electronic confirmation from my bank and theirs that they in fact have been receiving my payments without interruption. The agents have made multiple fraudulent excuses why I cannot pay my mortgage in this way, all of which ending in either my paying them or opening an account with them, contradicting the sometimes laughable reasons they give for being unable to comply with accepting my payments. They have now threatened to make fraudulent claims against my credit that I am in default, when they are sending me checks for my mortgage payment that is electronically transferred to them for free. I discard these checks. I will not stop paying my mortgage.

I have contacted BOA repeatedly in writing to dispute this costly fraudulent activity concerning my mortgage. I have had repeated conversations with agent after agent during their harassing phone calls. I do not have the time nor patience for this. I consulted my attorney who relayed the following information: There is no legal matter here, only policy. Furthermore, the consumer protection laws and financial regulations are bought by BOA (and others) and so they can ensure that protecting me and my home from harassment, fraud, and financial damage on the part of BOA is expensive and fraught with corruption. They have fraudulently reported to the credit agencies that I have not paid my mortgage. I have to correct this with documentation from the bank every month. This costs time and money in supplies. They are calling, demanding I pay them funds I have already paid them. They are not permitting the early repayment of my mortgage, a violation of my mortgage contract. They are attempting to extort funds from me, threatening and causing me undue suffering and struggle, and costing me time and money.

Bank of America does not know what they are doing. In 2009, my spouse lost his job. We contacted Bank of America for assistance and they pretty much said so sorry, so sad. There was nothing they could do. I found an attorney that assisted with a home modification and Bank of America provided us with a 5 year plan. After 1 year, they took back the modification. I was paying as agreed but they said they could pull it back at any time so they did. They sent me foreclosure letter, because I was now behind the difference between what we had agreed and my regular payment. Bank of America representatives had no answers and moved forward with the foreclosure. My husband is back to work, and they are not willing to help. They don't want to lower the rate from 6.25 to the current rates of 3.75, which would help us keep our home. Bank of America would rather take our home back than assist. Never again will I get a loan with Bank of America or do any type of business with them. They are not very smart, if they are going to take my home which is upside down in value, versus trying to assist to allow me to keep it.

Countrywide gave me a bad loan at closing. BOA took over and offered me a modification. I had been in my home 12 years and never missed a payment. I'm a single white woman living alone, too. I got on board the modification ride because our president told the American people to take advantage of the modification process even if you are not in trouble but got a bad loan from Countrywide. Very long story short, I left my home last November after being run around for 16 months, put into default by BOA having me pay a different amount than what was really due.

They sent a letter via FedEx that I have in my possession to this day that arrived at my home in March of 2010, saying that I was approved for the modification and to keep my eyes out for my new loan documents. Day after day, week after week, then month after month I got the run around again. All of this nightmare started in July of 2009 to end in October of 2010 with BOA threatening me with foreclosure. Being single, with no family and no one to get advice from, I left the home because I refused to pay BOA another penny. The house had sat for one year before they actually did the foreclosure and repairing all the damage that had been done the past year it sitting empty. Again, I never missed a payment. I would still be in that home, modified loan or not, if I wouldn't have been lied and cheated.

I went bankrupt to begin a new life. I lost 12 years of investment. I lost security. I'm renting again at 47. I will never buy a home again. I don't ever plan to take a loan again. I will never trust a bank ever again unless they are held accountable for their corrupt and destructive practices. They are and have been and will continue to destroy the very core desire and goal of American citizens: the American dream of homeownership. It's dead.

BOA purchased my mortgage on my manufactured home from my original mortgage company, when they went out of business. They recently informed me they don't refinance loans on manufactured homes. Due to job changes and lower wage, I asked for a deferral for one month, and add it to the end of my mortgage. I was immediately referred to their foreclosure people! Folks on this site are absolutely right, pay up or we will take your home. So much for all the government plans to help people keep their homes. BOA chooses to ignore those plans, and make up their own rules. I am so glad my tax dollars bailed them out. I am now facing foreclosure, because I don't fit into any of their foreclosure prevention plans. I simply requested relief from one mortgage payment. I apparently do not qualify for any mortgage loan adjustments or compromise.

In 2002, I was approved for a mortgage loan with Countrywide, but did not know that I was in a balloon mortgage agreement, and I have been trying to get some of my money back from Countrywide, because I ended up losing my house, because my payments sky rocketed, to the point that I could not pay them. Also, at that time, Countrywide was supposed to be helping me and my late husband, with a modified package loan. They took 6 payments to help us with the modified loan, and turn around, and let our house go into foreclosure, and never got back in touch with me, or give me my 6 payments back. I have a cashier's check and a copy of my payments, but they still say they owe me nothing.

I have been writing them, calling them, faxing them copies of my papers, but nothing. Please check into this for me, because of all the stress of losing my house. We lost everything. Because of this, my husband got sick, and died from kidney failure. I lost all my savings, trying to keep up with these payments, and they still kept my money and my house. This was not fair to me and my family. We had nowhere to go. I had two children at the time. I want justice. The house number is ** in Middletown, Delaware. I have been working with the Bureau of Consumer Frauds and Protection Department. My file number is -occ-occ-01643863. Their number is 1-800613-6743. The lady's name is Judy **. Please get me justice for my family. The Bank of America file number is 2011-966843. My number is **. My name is Marriette **. I am seeking my 6 mortage payments, and compensation for the wrong-doing and harm that it caused me and my family. If you need paperwork, please get ahold of the attorney general Eric ** and Judy **.

In August 2011, Bank of American sent a Home Modification application. We sent all the required documents on August 16, 2011. Several times Karen *** contacted us to inform us that the process was progressing. At no time did Ms *** indicate more documents were required. On September 28, 2011 Bank of America asked for copies of our bank statements, which were supplied to them on September 29, 2011 via fax. On October 16, 2011, Bank of America stated that they had never received our pay stubs (included in the original application). These were resent via fax to Bank of America on October 17, 2011. On October 27, 2011, we received a letter from a Cynthia ** informing us that we were in foreclosure.

I called Ms ** to inform her that we were current on our payments and were working with Ms ** on a home modification. Her response was, yes, you are current on your mortgage. She then stated she was our new representative working on our home modification and she would keep us abreast of the progress. On November 3, 2011, we received a new home modification application. I called Ms ***, who at first stated she did not have it. However, after a few minutes she located it and said she was sending it to underwriting.

I have called every week to inquire on the status of the home modification. Each phone call, I am informed that some document is missing. However, when I tell them the date it was sent, they seem to be able to locate it and send it off to underwriting. I believe that Bank of America has no intention of granting a home loan modification and are just waiting for us to default. In fact I was told the process would be quicker if I was in default. This is not good advice to the consumer.

Bank of America obtained our home loan from Countrywide. BofA called me and said they sent my house payment back because it was short $20. I was told to send them $1183.45. I sent them the amount on the 19th. The next day, we got a call saying we still owed them the money. I was told online banking aster and I needed to avoid a collection fee. I replied I sent the payment to them. The next day I got another call saying I owed them the money or I would have my credit reported. I told her I sent it in.

She looked at our account and said they should never have sent my payment back to me in the first place because they were receiving $2.00 over the amount so I never was delinquent! This is shady if they can hassle you when you are not behind! Now they have my overpayment, which you can bet they won't return and this is on my credit rating! Is this legal? Is this how they get properties away from owners? What recourse do I have? I have talked to four people and all had a different answer on fees house payment owed! This can't be the way home loans are governed, is it?

I have a current loan with Bank of America for my house in Maine. I have good credit in the mid 7's. I went to refinance to get a lower rate and they told me they would not refinance since it was a log home. How can I take advantage of lowering my payments when I cannot refinance through my current bank? This is typical of the big banks in America that were bailed out by the government. I have the income and credit to refinance and it is unfair that a consumer like me cannot refinance when a low-income person can. I would like to file a formal complaint.

I went to the bank to clarify my Nov 15, 2011 payment. When it was sent to the new mortgages company, the information was incorrect when my payment was made. I asked them to correct it. their response, "Just show your payment slip if anyone question it." The date that they have posted is Nov 22, 2011. That is my credit you are talking about. I made an in branch cash payment. I asked them to write a letter so I could clear this up with the new mortgage company, which is a terrible company. The Bank of America refused. The problem with the new mortgage company, M & T of New York, said they never receive my mortgage payment, which was sent out Dec. 10, 2011.

So I called them and made a payment on the telephone and told them the problem. They said the check must have been lost. I asked them, "If it came in, don't cash it." They agreed. They told me to make a stop payment on check. I went to the bank the next day and they already cashed it on Dec. 20, 2011. Now, they have two payments for Dec. and will not cancel one of the payments. My account is now overdrawn and they said they have nothing they can do. I have called three different times on that day with different department. Nothing! My other checks are not clearing. What type of company did Bank of America hook me up to? Merry Christmas, not this year.

I have been making my monthly payments as agreed in person with cashier's checks. I discovered that BOA unilaterally compounded my escrow account for an unpaid property tax bill and never informed me. Therefore, they were able to report me as late payments and thereby hindering me from refinancing my home at a lower rate. I have spent last four months being told numerous solutions with each new representative inform me to do something different. I have now paid close to $43,000.00 in 2011 for an annual mortgage payment of approximately $32,000. Even with my property tax added of $6300.00, does this all just add up to truly predatory and unethical behavior?

I have over 42% equity in my home. BOA behaves in a manner with no accountability and increasing fees. I seriously have never witnessed a professional institution behave in such an unprofessional manner. Help! Is there someone that can hold them accountable? How do they get away with this type of practices and damage people's good standing and just consume my time. Nothing has changed. They continue to charge me late fees and increase my monthly payments even though I have now exceeded agreed annual amounts.

Issue one - They charge huge fees for everything. If you want to make a payment over the phone, there's a fee. If you want to make bi-weekly payments, there's a fee. So, they charge you for paying your bill.

Issue Two - My wife was not on the mortgage and should have been. Her signatures are on all the documents along with mine. We had to go through a big ordeal to write a letter and fill out some forms to get her added to the account. One year later, she still has to go through a big ordeal every time she calls BOA because they do not see her name on the account.

Issue Three - We made a payment of $1173 and they sent us a check back because the amount we sent was $2.17 less than the full payment. They told us that they would not accept a check unless it was for the full amount. They do this so they can say that you have not been making your payment and can foreclose on people who are making an effort to pay for their home.

I have had the worst experience of my life since my house was dated as disaster area for Fema Program which has caused me to fall behind. I have filed papers for about 20 months with the same progress. The documents are constantly lost or misplaced. I need someone's help as soon as possible. They have told me that my loan modification form was completed and given to Customer Relation Manager Makita ** (phone number **). Please help me as soon as possible. I have never seen a bank with unlawful misrepresentation, fraud, and constantly losing papers. My documents are with Customer Relation Manager Maketa **.

I wish I could give no stars because this company does not deserve it. After going into some financial trouble, I attempted to obtain a modification and that was delayed for several months. After the modification was made I still received notices that I was in foreclosure even though I was told by modification that the owed amount would be moved to the end of the mortgage. I still receive threats of foreclosure for that previous amount.

I have again fallen behind and began sending in bi-monthly payments to satisfy the amount owed. Recently I started receiving checks from BOA returning this amount after cashing my checks. All I am trying to do is keep up with my mortgage and satisfy what is owed yet this money is being returned to me. I have been told that the amounts are either over the monthly payment or under the payment. They want the entire sum past due at once, that the bank has no place to place the excess I pay. Doesn't make sense. All I want to do is pay my mortgage and it's returned to me. I usually get a foreclosure notice one week later which makes no sense either. I keep getting the excess amounts returned to me and the foreclosure notices one week later.

I'm a first time home buyer. I dint know what to expect well so I applied for a home loan. My credit was sent the best but they told me that this will not be a problem. I followed all of their guidelines and rules and proceeded to give them all my info. I first applied for this program called the platinum program where they asset you in a 3.5% of your closing cost well the sad news was that because of my credit score. I was not approved. I felt but Bank of America told me that they can still do the loan and that we will just have to due a FHA loan so we re-submit the paper work. This is where everything got hard.

A week later, almost meeting the dealing so I called in to see if I was approved or not. They told me they had to start the process over because they had a glitch in their system ''well that is not my fault'' so I had to request a extension my complain is that Bank Of America led me on in believing that they could get this going for me. I paid the appraisal fees and the deposit. I did all that was from my part! The asset manager of the home is telling me that I have to close by the 31st or I will lose the bid on the house and it will go to the 2nd person.

I applied for a loan through BOA for a home and told I was approved. What happened after was a total nightmare! I had to fax out numerous amounts of paperwork at least 10-12 different times. They then did the home inspection and didn't get back to me until 4-5 weeks later with numerous items to correct. It took me 2 times to get it right and one of the reasons was because of the bottom of a downspout was off!

Thinking all was well, BOA then asked for more and more paperwork and wanted to know why I had numerous deposits (which was from my job) and where the rest of the money went! The sad part of all of this, I had phone calls and emails go unanswered for days. The realator, the abstract company as well made many calls due to the fact that we needed to close on this house because of the sellers health! We then got an email from a Kimberlie stating that we will close on a Friday on a Wednesday! Well, 4 hours before closing, they denied the loan because they couldn't get positive payment info from a prior mortgage I had with GMAC on a home that sold almost 3 years ago!

I explained to them prior to this that my ex wife filed a bankruptcy in 2006 and I never knew that this affected me as well since her name was on the mortgage and it was never reaffirmed. I found this out from 1 phone call to GMAC. It took BOA 3 weeks to get back to me on this! They did tell me that I could use my landlords letter showing that I lived in his home and rented for the past 3 years which I did stating from the landlord that all payments where on time! They still then turned me down right before the closing and wasted almost 3 months of my time. Sadly the seller passed away that day as well.

A good came out of a bad though. My neighbor lent me the remaining balance and I did purchase the home! My local bank and 2 local mortgage companies could not believe what I went through with a 711 credit score! Please tell everybody not to use Band of America. Nobody should ever go through the BS that I went through!

BofA lied by telling me that they were working on a loan modification while they were foreclosing on my property. Even 2 months after foreclosing they continue mailing me letter with a rep. name. Why don't we have a class action suit yet in Virginia? It is revolting how this bank acts and continues to act; they have absolutely no regard for the people they continue putting out in the street. I lost my condo.

Like another person here, 1 star is too high for BOA. After almost 3 years of fighting for a modification, and errors after error, and sending in the same documentations time after time, I was finally told on Thursday that I was approved. Of course, surprise surprise, they needed 1 more piece of info to complete the package for me, which I supplied. During that period of communication with them, which lasted about a week, their attorneys sent my house for foreclosure sale! I am now waiting to be told to get out.

No rating required, just some very unpleasant past experiences and now a fear that I am about to join the many others who have shared on this site. I'm trying to formally document the process in which I am about to engage. I'm trying to effect a "deed in lieu" on a rental property that is "upside down". The payments are up-to-date, the property is in fair condition, but in need of about $10,000 worth of work. Taxes are paid current.

The BofA has been notified twice by phone and they tell me no written notice is required and that someone will be in touch with me in about 10 days. They want a long list of documentation: Tax records, pay stubs, income analysis, hardship letter and name of lawyer. I'll keep you posted.

It is almost 4 years since I had my mortgage with Bank of America. I had never been late because the payment is automatic debit. I have repeatedly responded to mail from them about lowering my payments to no avail. I am currently on a fixed income and filed the paper work for modification with all requested information. Shortly thereafter, I received a second envelope requesting the same documents. I collected and sent them a second time. On Dec. 14th I received another packet asking for the same documents again. I will not provide them a third time. Since I bank with BOA, it gives them access to all the information they need.

BofA is a servicer on some loans, but they will present documents to the court to pursue foreclosure. Only the legal note holder can pursue legal actions. Lots of the loans were illegally converted into stock certificates. This conversion in essence voids/cancels the promissory note and makes the loan an unsecured debt. Request the "wet ink" documents; this is what you signed with blue ink. BofA and the FC attorneys are committing land record fraud, security fraud, extortion and violating many RICO laws. When you get foreclosure notice it will say BofA acting as trustee for the investors and an asset back security. The security will have the year and a series of numbers which identify the security that was registered with the SEC. Go to SEC's website and get the prospectus with the PSA (aka Pooling Security Agreements).

This also reveals to the investors the risks involved with this investment. My loan was converted into a pool consisting of 5,000 loans with a total value of $840 million. This is why BofA refuses to modify loans because it will devalue the stock. Also in the prospectus, a diagram will be presented on the cash flow direction and relationships between the originator, sponsor, BofA, investors, etc. This is a Ponzi scheme formulated by "superior" knowledge Wall Street financiers which was never meant for general public knowledge.

All said, BofA is not the legal note holder. The investors are, but they hold a stock certificate. Refer to "double dipping" violation. Anything you see with quotations (" ") is a legal term. Look it up and educate yourself. Remember when a loan is properly transferred or sold, the promissory note needs a valid security deed filed also (state law in all 50 states). If the title chain is broken, it will be shown in a title search. BofA claims to be the rightful loan holder and title then BofA's name should be listed. Also, for your information, if you previously got a mod and all past due interest payments were added to the new loan, the interest added into the new loan is mort interest that is deductible under IRS regulations, which of course BofA refused to issue the 1098's. I just won my case with IRS regarding an audit involving mort interest paid. The IRS agrees that BofA failed to do their fiduciary responsibility to the homeowner and IRS inquiry is being done at the present time at my request.

BofA purposely delays, displaces, hang up, etc., in order not to deal with the homeowners. I experienced all the situations discussed by others. I filed law suit against BofA. It's pending and will go to Federal Court on January 19, 2012. I can't wait to present all my evidence with violations noted. It's time to castrate the bull/bully. BofA should change their logo to BUFU (** **). Their might makes right mentality needs to change. File suit, join in mass. Join and do something.

I emailed requesting info on available mortgage principal reduction programs. The reply said to call. I tried for a week to get hold of someone. I filed a complaint with Better Business Bureau. I received call from Jamila on 12-6. The call lasted 16 minutes. I was told I don't qualify for any programs. According to the FHA website, I qualify for several. I took a recent pay cut at work and am trying to avoid becoming delinquent and/or losing my house and they've been completely unhelpful. I appear to be eligible for all of the following programs: MHA, FHA Short Refi, HARP, PRA & Hardest Hit Program, yet I was flat out lied to by Bank of America when they told me that I need to be experiencing a hardship due to death, disablement or divorce and/or be more than 61 days delinquent. Clearly, they are unwilling to help and want to take my house.

I began to look for blogs or sites, through which, I can lodge my complaint against this bank's obvious disregard to the needs of their customers, and the less than mediocre customer service we've received on a VA backed home mortgage application started way back 9-24-11. I swear I was feeling like the Lone Ranger, as we've been stuck in a perpetual, hellish paper loop, lack of return calls, between us and BOA mortgage and underwriting for more than 60 days! However, after reading my story (and worse) re-told on this site time and again, I am convinced that a simple blog will not have the impact I am looking for, and I didn't want to bore readers on this site with the same song, different dance.

What's embarrassingly funny about all this, is that I am a Realtor, with experience in closing processes. I was warned by colleagues prior to making our application with BOA, but felt since I have been a BOA customer since age 13 (am now 54), and they've had our first mortgage for the past 15 years, that they knew us, and there would be fewer hoops to jump through. Boy, was I in for a shock!

I would like to suggest that we organize and do an "occupy BOA" nationwide at every BOA branch and affiliated company office in the US, to get the press and the attention we deserve. I teach customer service, and have repeatedly warned my corporate clients, that with the power of the internet, their failure to attend to their customers could have irreparable effect to the bottom line. I am ready to practice what I preach!

At this point they have my ** in a vice! We have leased our old home, and are currently leasing the home we have been trying to buy, but due to their incompetence, the experience of amended contract after amended contract, and thanks to your posts, I now realize that I need to see if I can renegotiate this, and find another funding source. I had read that a few of you would be willing to consider a class action suit. I am open to any suggestion, but I feel a boycott impacting the value of their trading shares, is the best bet to getting things changed! I am willing to lead the charge, but I am a bit of a techno-nitwit, and unsure how to best organize. Is anybody with me?

I worked for Coldwell Banker in Ridgecrest California. The broker/owner is Kathleen **. Agents falsely bill banks, claims that work is done to property, but in fact is not. If you audit her, you will find that all her invoices are written on the same day, all the work is done on the same day, and if you go by the homes first that she currently has, you will see they are not clean. I have notified my supervisors, and I was recently told not to worry about it, and that it is fine. I recently left that job, because I do not want to be part of false billing, and/or whatever else that company is doing.

I have a house in Texas which I am trying to sell for which I have two loans through BOA. After it being on the market for a couple of months, I received an offer and agreed on terms and everything was set to close on December 9. The title company requested the payoff amount from BOA on 11/23 which were never received. After contacting BOA several times, I was told I would have the payoff amount sent. The date, 12\9, came and gone with no payoff, just empty promises. I was able to move the closing one time but BOA still did not provide the payoff amount. Now the new lender and buyer are no longer willing to wait and it has cost me the sell of my home.

So not only have I lost the sell on my house, it has cost me several thousands of dollars because of this already. Io top it off, the potential buyer is holding me responsible. Not to mention the poor buyer without anywhere to live because of this, does the average American like me not have any protection against giants like Bank of America? They seem to have all the power to do whatever they want.

I am currently living and working overseas. Renters are living in my house and my mortgage is paid through automatically each month through my bank (not B of A). In Sept my mortgage adjusted slightly ($80 more). Since I don't live in the country my mail goes to a PO Box and is then forwarded so it takes about 1-2 months to get mail. My Sept mortgage and Oct mortgage were paid automatically at the same amount that had been paid every month for the past 3 years. I didn't find out about the rate increase until I received my mail in Nov which was full of late notices and loan modification applications. I called customer service and was transferred multiple times (hung up on). One agent told me my house was in foreclosure since it was 2 months past due (even though I paid both months and had documentation from my bank) and started reading me my foreclosure rights. I was finally transferred to someone who seemed to understand what was happening and was told that since my mortgage had increased $80/month my regular payment was short so the amount was held and not applied to my account.

They then took the money out of the holding pattern and mailed a check back to my post office box where it would then need to be mailed overseas so I could sign it then mail it back to my bank to re-deposit it and finally resubmit to BofA. I was told that instead of this they could stop payment on the check and apply it to my mortgage in 5-7 days. During this time my mother started receiving 5-10 collections calls per day. I called back in 7 days to check on the progress and was told that it the stop payment hadn't even started. I then waited another 7 days (during which my mother was harassed by collections calls and my credit score continued to be destroyed). Finally on Nov 29th they were able to apply the Sept and Oct payments to the correct locations but I was then told that there had been an error in processing my Nov payment and it would be returned to my bank and need to be sent to BofA again! I asked the customer service person if they could stop the multiple collections calls to my mother and was told that she should "just not answer her phone" (5-10 calls/day).

Like some of the other complaints, I have been in the loan modification process for over a year, having completed my 3 month trial period successfully quite some time ago. Just a few days ago when I called about the status, I was told "there has been a serious delay in that department". I was not able to get any additional information. Now, as I begin to do a little research, I see that BofA is in numerous legal battles - including several related to their poor implementation of loan modifications. That's one horror story after another. What's next?

One star is too high to rate our experience with BOA! On June 1, 2011, my husband and I applied to BOA for a refinancing of our home loan. Our goal was to reduce the 'total' amount of interest we would pay until we pay off the house, by reducing the interest rate and the capital as well. (We were ready to push a substantial amount of cash to reduce the principal borrowed.)

The amount of money we were asking for, was less than 25% of the appraisal of the house (appraisal performed by the BOA itself. ) Our household annual income is more than the requested amount, our jobs permanent, and our credit score excellent. In their words, "It is a piece of cake! We will have a quick and easy closing!"

I am not even going to talk about the amount of documentation they requested in the process. It was ridiculous!

Our main complaint is that it took exactly 6 months for this closing to happen (Dec 12, 2011)! During this period we were on continuous contact would be assured that "the closing is just a matter of days".

At some point one competent employee took over the case, started everything from the beginning again (appraisal, title search, etc) since everything had expired so long after, and had the case done in 3 weeks. I won't talk about the amount of documentation

I have looked into modifying my loan with Bank of America and it's so hard to deal with these people. First, they want all these forms filled and filled with so much detailed information and tons of copies of everything as if the modification was going to be made. Then they call with to say the modification was not approved because of something and I would say "I told you my situation, you could have told me that I did not have a chance because of whatever" but the people you deal with are so lame that there are layers and layers of ** that have no idea what they are doing.

I am behind 4 payments due to a hardship, but I am making my payments and I asked if I could send additional amounts over my normal payments to makeup/catch up my past due payments. They said I would have to pay double for four months, anything less than the double amount but over my regular payment would be returned to me. That it has to be double the normal payment. I said what? I go, can you send me this in writing, like a schedule of payments? He said "no". That sounded weird as if they were hiding something.

They said that since I did not qualify for the first type of modification, I need to resubmit everything all over again to somewhere else. I said, but you have my application! Why don't you just forward it to the next step and his response was negative, that is the way it works. I hate Bank of America. Another thing, I had to be the one calling for to figure out the next step, they don't send you in writing what to do next.

On 12/30/10, I cancelled my escrow impound account,and received a check refund of the account balance on 1/3/11, followed by an updated payment statement for my new payment amount. I pay my bill via online transfer, on the 7th of each month, and have never been late or missed a payment. In mid-March, I started receiving "robocalls" from "America Home Loans", and after filing an FTC complaint, I called the number to try to get the calls to stop. The calls were actually from BofA's bill collector, who told me I had a balance due. I learned that BofA had withdrawn $819, and sent it to my insurance company, despite my having closed the escrow impound account, and them never receiving a bill.

BofA then turned my account over to collections. I made a bunch of calls to identify BofA's error, replaced the funds that BofA had illegally withdrawn from my account, and got a refund from my insurance company for the extra payment. I then wrote a RESPA QRW to BofA, demanding they close the escrow account (again), correct any additional errors, remove any late charges, and ensure that my credit was not impacted by their mistake. They ignored that RESPA QRW, as well as two additional QRWs, sending acknowledgement letters, but never making any attempt to correct their errors. They never actually fixed the mistake, but instead, kept adding late fees to the account, and not properly crediting my monthly payments.

Every time I reached an agent, the person tried to fix the problem but the fix was undone by the next day. This went on for five months, when they began sending checks to me for "partial payment", because after withdrawing the late fees, they kept adding for their mistakes. My mortgage payment didn't cover the full P&I. I spent more than 45 hours trying to reach someone, who would help fix the problem, and got many promises, but I could never get anyone who cared enough to follow through to resolve the problem.

I finally was on the verge of hiring a lawyer when I made 1 last attempt. I emailed the BofA CEO, and included a copy of my notes, describing all of my actions to try to fix their error. At that point, I received a call from someone in the CEO's office who fixed the problem. After all of my time spent, and months of stress trying to avoid a foreclosure action, BofA never even sent an apology. Only a $25 gift card for Home Depot.

I tried to refinance my property during the summer but BofA had reported something negative on my credit report so I was unable to qualify. (my credit score is normally around 800). The value of my property has since declined, and the loan to value is now too high to refinance, without bringing a significant amount of cash to the transaction. I spent more than 45 hours of my time trying to fix their error. This time was spent during my work day, so I had to make up for these work hours. I developed stress related health issues, and had to get acupuncture treatment, because massage therapy didn't fix the problems.

I paid my bills on time, in full, but was totally abused by this company. They were obviously proceeding down their foreclosure track with my mortgage despite the problem being 100% their error. They illegally withdrew money from my account, violated numerous regulations, and thumbed their nose at RESPA, which is supposed to provide the consumer with some protections. I want some consequences for BofA! I have copies of all documentation and notes on all of my calls, and conversations. Is anyone suing these **? I would love to lead a class action lawsuit, so they have to pay punitive damages for all the people they have abused.

I had posted here several months ago, about my family's situation with BOA. The tune of this board is negative, as we've all had so much trouble and headaches with BOA. However, I want to share a piece of good news, and offer hope to those out there also in my situation.

After 2 years of waiting on BOA to help us modify our mortgage (and not making a mortgage payment in those two years) We finally heard from BOA, telling us they are going to approve us for a trial modification from Jan-March 2012. This is after we were denied several times before by both MHA and BOA in house department. They lowered our original payment to $100, and told us if we could make those payments on time for three months, they would consider us for a permanent modification. I understand and realize there have been many who have not had success with this particular arrangement, but I truly do believe this is the answer to our prayers, and I know we are going to be able to keep our home.

They told us they have no intention of foreclosing, and this is apparent in the fact that we've not made a payment for 2 years, and we are only considered delinquent. They explained once we're approved for the permanent modification, they will take the arrears and capitalize them back into our loan. We realize we may not have much equity in our home, but we are already upside down by no fault of ours, just the way of the economy. We're hopeful we can stay for several more years to come, as my husband is filing bankruptcy, and he needs the time to improve his credit.

Everyone fight! I fought for my home. I was relentless. I wrote two letters to the CEO and Barbara Deseor, V.P. of Mortgage Services. I was heard, and I was answered quickly after that. Before that, I made so many phone calls, and was always persistent week after week, to pester and harass BOA. They were tired of hearing from me. Of course, I, and many others prayed without ceasing as well. I believe in prayers, and I believe in fighting for something worth keeping. I encourage you all to do the same. Good luck and blessings to you!

They called my house over 20 times without leaving a message and when I answered, no one said anything. Then, they called my job and did the same thing. I called them and was told that they had not received payment in 60 days then proceeded to acknowledge all payments. I made two months of payments without ever receiving a statement. No statements showed late payments, extra payments due, etc.

When I received a statement showing escrow, I paid it all as I was told that if I did, my monthly payment would remain the same. The next statement showed four times more escrow due and my payment went up $70 a month with no explanation. I have always paid on time. I feel that they have some responsibility in explaining or proving non-payment which I have no record of.

How could I be 60 days late when they acknowledged payments? How far back are they talking about before starting the calls and why call if no one says anything? Why not speak or mail me a list of payments? How did my escrow go from approximately $190 to over $500 on the very next statement? My payment has never gone up more than $10 since I have been living here (1999) and that's when times were good. Taxes and insurance have gone down, so why did my payment go up $70? Why is there no customer service? I wish they would sell my mortgage to another financial institution.

Bank Of america mortgage. One star is too much to rate boa! We started out with a loan of $159.00. Now it is $204.500. We have been fighting with BOA for a year now with a lawyer for this modification. Our house has been up for sale 5 times and it has been stopped. But the bad things is you get a modification then they take you off and say I requested it. I did not. We made our payments with the last modification and they never applied it. They put it in parc. bal. Then added late fees. I will never pay. I have print outs from BOA website account of my payments. One payment, it took them a month to cash the check.

We then send certified checks with return receipt. So I would have a name who signed and when they got it. I called and they said we do not have it that is why the late fee is applied. I would tell them I have a return receipt and give the name of the person that signed and when it was received. It did not matter. My lawyer has sent 2 demand letters to them to give proof that we owe them money, they cannot produce the papers. I tell you this, if anyone sue's them let me know, my husband and I will be right there. All they have put us and others through is sad and they need to be stopped. I could go on and on but it would take all day and night. I have a file that is about 6 inches thick of papers that i have filed sent, copied, noted and faxed. If there is anyone that can help let me know.

Bank of America serviced my mortgage for almost eight years until they sold it to another bank. They sent me a statement stating that I was to pay mortgage to the new bank on November 1, 2011. I submitted a claim to my homeowners insurance last month and got a check payable to me and Bank of America. Today, I went to the bank to deposit the check and they refused to process my request since my mortgage loan is no longer with them and told me that I was responsible for making all the necessary changes for escrow payments. I called my new Mortgage bank and there are no locations in my state. I feel very upset and will cancel all my accounts with Bank of America.

I am waiting for a response from Bank of America regarding a loan modification qualification that was to be reviewed this past Tuesday. I haven't heard from Bank of America yet but I did receive a yellow post on my door today indicating that Fannie Mae (Mac) has taken over my house. I've been trying to modify the loan but in all three attempts, nothing favorable. The first time, I was declined because according to the bank, I didn't submit all paperwork. My house was scheduled to be sold at the court this past Tuesday but my case manager said that they will review the documents submitted this same past Tuesday. What happened? I don't get an answer from the bank yet I get a notice on my door where I can easily see that I lost my home. What can I do? Where do I turn for help? I called the case manager and left her a brief message. I'm waiting for a response. Lets me think, "What excuse they are going to give me this time?"

The first time I tried to submit, it said I had to rate my experience. I didn't the first time because I thought one star was too high. Since I had to rate, one star is the lowest, but still too high. I too have had the same nightmare experience with the Bank Of America modification process. Every packet returned filled out completely and on time, every daily phone call answered and addressed, everything BOA asked me to do, I did. During this time I also made many duplicate mailings, faxes and phone calls due to BOA stating that they either did not receive the fax, have any record of me calling or show no record of receiving my documents. I have even made the supposedly 3-month trial payment on time for over a year, only to find out that I had to re-apply.

I then made the regular loan payment on time for 10 additional months. I was then told that I did not qualify and it was best that I initiated a short sale. I did. There was a cash offer that was declined! Not countered with an additional higher amount, just declined. The next day, there was a note on my door stating that the property had been purchased at a trustee's sale and a realtor had been hired to sell the property. This happened within a couple of days after they convinced me I should initiate a short sale. I am still receiving letters that my loan is under review for modification and that someone will be contacting me within 20 days. When I asked about these letters, I was told that BOA has no record of these letters being sent.

I was told I needed to vacate the property. I don't want to. My 6-year-old will be devastated. I have jumped through hoops trying to stay in my home. Also, this is the first time since I got the loan in 1995 that I have had repayment issues. I feel I along with everyone else has been given false hopes all while jumping through repeated massive paperwork requests.

I have the same complaint as Desirai of Lincoln, CA. Two calls a day letting me know my mortgage is in arrears. I have paid my mortgage on the 15th for 12 years. When I went into my local branch in Mechanicsville, MD to try and get the calls to stop there was nothing they could do. This was the first they had heard of this and seemed as surprised as I was to learn that any payment after the 1st is past due. They don't charge us until after the 15th as a courtesy. I'm going to shop for a new mortgage tomorrow. I have lost my trust and don't feel safe with BoA holding my mortgage.

I've been trying to get my mortgage remodified for over six months now. I've sent all the information they ask for, then they say it's too old, and ask for the same information again. I've told them my income has been frozen for two years, but they still ask for my income information, my bank information and my bill information over and over. I'm fed up, but am still trying to pay even though I am getting further and further behind on my other bills. Bad credit is the least of my worries. I'm afraid that I finally will get so far behind that I won't be able to pay my home mortgage and will lose it.

My husband and I have been in the process of refinancing our home loan. Bank of America has our current loan. We have been early on every payment! This process has been awful, continuously requesting information they already have, or have access to themselves. We have done everything they have asked. Now, they are telling us they can't make our 60 day lock. We have been strapped, not using our credit card for the holidays, planned on skipping a month's mortgage and putting it towards Christmas. Now this? We are ready to move on from this bank! If you cannot close before our deadline, we're done with this bank. My husband is going to the news.

Little did I know that when BofA bought the rights to manage my FHA loan 3 years ago that I would be in living hell! I have been dealing with ridiculousness when it comes to paying my mortgage to this bank, BofA. But the latest and newest complaint is for harassment. Payments are due on the first of the month. There is a late penalty after the 15th and they don't report you until you're 45 days late; but that doesn't stop them from calling because technically you're late after the first and it's an attempt to collect a debt, a courtesy!

They know how to call. I receive calls every day, sometimes every hour of that day. And no matter what I tell them, they call again. Calling me only makes me hesitate to call and defiantly makes me despise this bank more and more. I have spent my time, money and so much energy into keeping my mortgage with BofA and have never received customer service from them about my ongoing issues. I just want to be rid of BofA!

Bank of America used the tax payer money for their benefit and then turned foreclosure type loans to their sister to make more money. Bank of America is now running a foreclosure business. I guess foreclosure looks bad on the bank especially since they have taxpayer's money to help the public. And they use Green Tree who they can push their problems to. I do not want to foreclose. I want to keep my property and refinance. But Bank of America labeled it as a bad loan and sent it to their sister company Green Tree for further investment from the poor. Bank of America does not want to tell you that this is part of their company. But I know how they're trying to make money out of everyone who is already in trouble due to the property values.

Green Tree is a company from hell. They have rude staff and even worst supervisors. They have taken over 2 months to go through a subordination process for me. Bank of America likes to sell loans to them and avoid foreclosure on their books due to the taxpayer money they received from our government to help the people.

Bank of America sells these loans and do not send out any communication. I had to find out afterwards when I went to make my payment. Green Tree holds on to the loan until they can come and take over your house since it is part of their plan. They make the refinancing process almost impossible. My new lender is ready to close on my loan but Green Tree wants to drag the process for months. So, my new lender walked away and I am stuck with them again. That's part of their money making machine for Bank of America after forced foreclosure.

My lender complained about them and no one is doing anything to fix it. I worked with Erica ** who is the subordination staff and her supervisor Stephanie ** who is no help. Stephanie is worse than Erica. Erica tries to be polite after I ensured her that my frustration is at the process and not her. During the first few times, Erica put me on hold for 15 minutes after I complained. I called back and got someone else but it was the same process. I feel the subordination department is run by one person. And there's no Erica and Stephanie. There is no one to complain to in Green Tree to get anything done. Actually, nothing gets done until they come and take over your house to make more money.

Nania ** works for the mortgage modification unit. She has continually asked me to resend faxes that I sent and have receipts for. She told me that when they receive a fax, it may take days for it to be put on her computer. Then, she will tell me it never arrived and we were denied because we didn't send the required papers to her. She is a liar and Bank of America is stealing the money the government set aside to help mortgage holders refinance at a better rate. When a class action law suit starts on this fraudulent bank action, I want Nania ** included for lying and fraud. Our income in under $22,000 yr and my payment to BOA is $800 per month. We are dying here and Boa don't give a **.

BOA pre-qualified me for a loan on a second home (retirement) I was requested by phone to pay a $465 fee prior to receiving the loan package and was told that if the loan was denied by BOA, I would receive a refund of the fee. After months of faxing documents, they denied the loan because I was unable to document where a $300 deposit to my checking account came from. This deposit was made 4 months prior to the loan application. BOA has refused to refund the $465. I understand this is a small amount, however, if you multiply this amount by hundreds and thousands of fees, you can see that it adds up pretty quickly. BOA is running a fee scam. They also tried to pressure me into a credit card and life insurance. I do have all the documents available as proof of my claims.

I give them 0 stars. I am a 65 yr old Vietnam veteran. I'm in poor health. BOA bought my mortgage from Country Wide. Being responsible, and proactive, I contacted BOA. It is a system totally out of control. I was switched from office to office, and around the circle repeatedly. After hours of trying, I finally got to talk to someone who said they could not help me, but when pressured, said she would file a report. She said the proper office would contact me by mail.

Some days later I received a letter stating Stanley ** would be my rep, and that he was in debt collections. I reminded him that I was up to date in my payments, but was getting behind in other bills. I could barely understand the man, but made it clear that I did not want the payment taken out on December 3, 2011. He agreed. I can not get a return call from him, or his supervisor. Even worse, they did take out the nearly $1,300 from my account. Now I can not pay my other bills, and no money for food this month. I am totally **. This is the mortgage company from hell. Please, please help me.

I am only choosing 1 start because the website is making me....

Much like the other stories I've read here, my nightmare started with BOA in February 2011. We received notice that we qualified for a modification on our 2nd mortgage. So, BOA sent paperwork stating that we were also being considered for a modification on our 1st mortgage. The paperwork stated that all they needed was some simple information and they could start the process (simple! yeah right!). We decided to try for the modification on the 1st mortgage because the previous process has been fairly painless, except that I had to fax paperwork several times because BOA claimed they never received it.

Now we move on to the real nightmare. I sent the paperwork that BOA requested by FedEx (in the envelope they provided). I called a few days later to confirm that they received it. They stated that they had not. The BOA rep told me to give it a couple more days and call back. A couple of days later, I did just that and again I was told that they had not received it. But this time I was given a fax number and asked to fax the paperwork and to wait 2 business days and call back to make sure they received the fax. Are you kidding? I do work for a living and it is very difficult to call BOA and stay on hold forever trying to get a live warm body on the phone, much less one that speaks English. But I did what they requested. After faxing the paperwork 3 different times, I finally made some progress (or at least I thought) and they said they had it.

Now I was instructed not to make my payments and to call every 2 weeks to check on the status of the modification. I thought it was strange that they told me not to make the payments. But I had just been through this same process on my 2nd mortgage and they had also requested that I not make my payments. Everything went through just fine. After countless phones calls and many hours spent on the phone with BOA trying to find out the status of the modification, I found myself several months into this nightmare with no answers and BOA not willing to give me the time of day. I really started getting worried. So, I finally got in touch with a rep. They stated there were no records that a modification was in process on my home and they would look into it and call me back. Needless to say, that never happened!

Much to my surprise the following Sunday (Sept 4, 2011), my home was advertised in the local newspaper to be auctioned off in a trustee sale. On Sept. 6, 2011 is when I received notification of the sale. I frantically started calling BOA to try to make some sense of what was going on. I was told that the modification had not gone through because they had not received the paperwork they requested. I tried to explain that I had sent and faxed the paperwork countless times. The BOA rep stated they had no record of that. I asked if I could fax it again and I was told that was not an option. The only option was to have over $15000.00 paid within 3 days.

I know many of you are thinking why. After not making a mortgage payment for 6 months, I should have had the money. Well in Dec. 2009, I was diagnosed with cancer. After 5 surgeries and 4 months of chemotherapy, I had a mountain of medical bills. So, I took the money that would have normally paid the mortgage and paid off some medical bills.

To make a really long story short, our family moved out of our home in September 2011 and BOA has yet to do anything with it. They haven't foreclosed on it at all. I uprooted my children and moved out because of BOA's empty promises and negligence in handling paperwork properly. I will never deal with BOA again in any way and I will share my "hellish" experience with BOA with all who will listen.

It appears my story is parallel to so many others. I, too, was promised so many things from Bank of America. I was told over and over and over again, "We do not want your house of course. We would love you to stay in it." I, like so many others, gave them all the info they needed within the time frame. I was told one lie after another and I feel like I've been bamboozled time after time. I have had a pit in my stomach for over a year waiting on them to make their decision, jumping through hoops whenever they asked.

I also thought I must be going crazy because they would say one thing one week and the next week it would be something totally different. This didn't happen on an occasion or two, it happened all the time. I was told after I "proved myself" in a special forbearance, they would work on a permanent modification. Lo and behold, one day after the forbearance was up, they called me relentlessly asking me if I wanted to sell in a short sale or other options, none which included staying in my home.

I have no idea how people can work at Bank of America. I have no idea why there isn't a huge class action suit against them. I have talked to attorneys here and there but I don't have thousands of dollars for a few letters. I find this entire process incredible. I cannot believe they are getting away with it and destroying families.

1 star is way too high for BoA. Our situation all started back in the fall of 2009, when I lost my job. We were told by many people at BoA that they would only accept a full payment, which we could no longer afford, so, we applied for a modification. It wasn't until May 2010, that we finally got preapproved for one. We sent the paperwork back, filled it out correctly, and waited. About 6 months later, they informed us we got denied because our signatures, that's right, our signatures were incorrect! What? I saved the paperwork, and sure enough, they are correct. So we reapplied, got preapproved, and waited. About another 6 months passed, and we were denied. This time because they said it wasn't notarized, which of course it was, and we have proof.

Fast forward to yesterday, when we received a trial period offer that starts January 1st. Finally! I called my rep at BoA to break down the payments, and told him we will make it happen. I was finally able to sleep, until today, when I find out they filed for foreclosure against us yesterday. The day after they sent the trial offer, which doesn't even start until January 1st!

So my question is, will we need a lawyer, or will the judge just need to see the statement we have from BoA, offering a trial, dated the day before they filed for foreclosure? I hate BoA so much.

I began the process of mortgage modification in January of 2011. At the time, I was current and had never so much been late on a payment for the nine years I owned the house. I had been unemployed or underemployed for just over a year at that time and had exhausted my savings, retirement and ability to ask family for assistance. BoA told me I appeared to qualify for a HAMP and in the meantime, they offered me a three-month forbearance plan. Since I didn't owe any delinquent payments, the paperwork sent to me said my payments would be $0 for those months. By the time I received the paperwork, I had less than 48 hours to respond, so there was no time to consult legal counsel. I read through it several times and found nothing that stood out as something to be concerned about.

At the end of the forbearance period, I received a letter stating that if I do not pay all three months outstanding immediately, they would begin foreclosure proceedings. I contacted my BoA rep and was assured that I could disregard this notice and that they were starting the modification process. During this time, there would be a hold on any foreclosure and that the money owed for those three months would be added to the amount to be refinanced. From the time that process began, BoA has been drowning me in paperwork requests. Many times I had only 24 hours to comply. Each time the process completed one hurdle and I was bumped to the next (often with a new rep to go with it). I was again asked to provide more documentation. None of this was easy to do as I've been taking work away from home for months at a time in locations where I was lucky to even have cellphone coverage. I still managed to comply with all of their requests.

On November 15th, I spoke to my current BoA rep who requested further documentation which was faxed to them on the 17th. She explained that once they received this, they would be sending my application to the underwriters and it would then be a 60-90 day period before they would have a decision. I received a voicemail message from my rep late in the day of November 23rd (the day prior to Thanksgiving) asking that I call her. I was only able to start trying to reach her on the 30th due to my work schedule (there's a reason it's called "Black Friday"). On November 30th, I received a letter from BoA (dated the 29th) stating that my application had been denied due to my not providing them with the requested documents. The letter claims that they had sent me notice of what was missing (they did not) and that it had been longer than 30 days since this request.

This bank's customer service dept. is completely useless and out of date. I have been attempting to have them resolve a problem where they received my mortgage payment but did not apply the payment, and said I never sent it! I had my bank, Chase, fax proof back in July and still (it's November!) it has not been resolved after numerous phone conversations. They state they cannot email to an outside email address and you cannot return a phone call to anyone there because they can't transfer a call. Too many locations I was told.

It's extremely frustrating to say the least when you have to conduct business on your lunch hour! I apologize for being employed! Their customer service is extremely condescending and rude. I would deter anyone from banking with them. You cannot get any help without asking for a supervisor that you can never communicate with again! It's completely exhausting and the fact that they lose customer's money is extremely frightening.

Their phone pay system needs to be completely revamped. How do you claim you never received funds that were proven that you did and then threaten foreclosure! If that's customer service, then they might as well be the mafia.

Just as previous postings have stated, I purchased my home through Country Wide and my mortgage was transferred to Bank of America. My husband and I separated and I was living with only one source of income. I read up on the loan modification and was sent the paperwork for completion. I returned the forms several times only to be told by BOA they never received the documents. I applied for the modification prior to my account becoming delinquent. I was paying insurance on my mortgage where, if I fell into hardship, I would receive assistance. The young lady that I spoke with told me that I could not use my insurance. If I am paying for insurance, why can't I use it?

I requested speaking with a supervisor and was told the same thing. This made no sense to me as the documents I had on hand specifically said the insurance was for this purpose. I proceeded with the loan modification and resent all information. After over a year of calling, I finally received a letter to say that I was approved for a trial modification. To accept the offer, I needed to make the first payment.

I made the first payment and the next thing I know I'm receiving a letter from Sirote & Permutt to say they will be foreclosing on my home November 30. Now mind me, at the beginning of the year my home had been placed into foreclosure because they said my payments were not received for 6 months. This was untrue! I paid the reinstatement amount of $4800 to prevent foreclosure on my home. I was informed to send a letter to their research department and proof that payments were sent. I sent in the letter and provided MTCN numbers and MO numbers.

I have yet to hear from anyone. This go round I am 5 months behind per se! Untrue! I faxed a letter to them providing receipt numbers and dates of payments asking that they research my account. I called to follow up, thinking this would clear everything up and they claimed that they never received the letter. The fax number was confirmed to be correct. I did everything I possibly could to prevent this disaster from happening again and BOA was of no assistance! When I spoke to an initial representative, he saw where I was approved for a trial modification. The second rep said that she showed that I was denied. I sent a copy of the letter that I received. I had already sent two payments in from the modification in between conversations. Then they started receiving my payments back and the reason being was the amount sent was not enough.

That would be incorrect! I sent the amount that was on my monthly stub. I was under tremendous stress! I asked them to send a statement showing how my payments were being posted. I received the statement and it really did not make any sense to me. I am very disappointed in BOA and based on all of these complaints, a class action suit should be filed against them because it appears that the complaints are from customers who transferred from Country Wide and were good paying customers until they feel into hardship. This should be sent to Obama and he should most certainly do something about it. These commercials about the modification need to be removed from the television because the modification is a joke!

I ended up having to file Chapter13 bankruptcy to keep them from foreclosing on my home. BOA is out of line and should be prosecuted for wronging so many people. This is not the BOA that I knew when my husband and I bought our first home. We received a payment booklet and the amount did not fluctuate as my mortgage has been since changing to BOA. Because of all of the mental anguish I have suffered, BOA should be made to forgive my mortgage and refund me all of the funds they have swindled me out of. When you have a bank as large as BOA that robs its customers of their credibility, they should be shut down and all mortgages forgiven! This will prevent future mortgage companies from coming in and abusing the system for their own gain. People need their homes, so what do you think they are going to do, try to pay what they are saying is past due to prevent foreclosure? So sad!

First of all, couldn't you put something below the star rating? Let's say, a ** or something else to show total displeasure for BoA? (They don't deserve capital letters). For 3 long years, I've been trying to get my ex-wife off of my loan and I've been trying to get my loan on modification. I was lied to by 3 different BoA staff members that once I received my mod loan, my ex-wife would be taken off of it. Hundreds of phone calls, always to different boa staff; bad phone numbers given; hang ups after being on the phone for an hour; always getting different answers from different people about the same subject and the promise from some of them to call me back. Giving me that little sense of hope, only to be let down yet again.

Now, I finally got the mod loan, my ex-wife is still on the paperwork and yet she did not sign the modification loan! How can that be? These people have made my life, at the age of 62, a living hell and I even thought about giving up. How did these people ever get the right to treat good, decent people the way they do? Is this the company that we bailed out? I helped them? Forgive me Father for I know not what I did.

One star is way too high; they will not help us keep our home we have been paying faithfully for 6 years. I lost my job in May and have exhausted all of our savings, I have since begun to lose my eye sight and have applied for disability. My wife is working 80 hours a week and is at the breaking point. BOA just keeps giving a run around with no help. They will not return calls, make promises then do not keep them.

We are losing our home because of the way BOA treats its customers, they do not care about us the consumer only about selling my house. We had a loan with Countrywide and the rate is at 6.5%. If BOA would adjust this rate to a more current rate we might be able to make it work if I could get approved for disability. Where is our president and why he can't help us instead of giving money to Solar businesses that failed badly. Our future is bleak and my vision fails a little more each day.

BOA sucks. I scheduled a payment online and I just found out by luck that it would not be processed. I cannot believe how crappy their customer service is. My name is on the account as an authorized contact on the account but they would not confirm if my payment will be processed or not. I tried logging on and kept getting error messages, that's why I called. I was told repeatedly that the status of my loan is not going to enable me access. They made us send in signed authorization letters and now all of a sudden they can't locate the letter anywhere. How convenient. I have to find out a Bank of America branch tomorrow. I miss school in order to make a payment.

On 2/2010, I walked into my BoA Branch Office, to ask about a loan modification, because I was underwater, minus equity. I was verbally escorted out. The loan officer said, because I had a job, I was not eligible and could still make my payments. Then I lost my job on 3/10/2010, and requested a home loan modification, and they told me I qualified. So the application I received was completed, and sent to Home Modification Program Department at BoA. First, they could not find it (until I gave them the tracking number, and who signed for it), then it miraculously appeared. Then they said there where pages missing, then they found them, then it was in review, then the application time expired. This happened 6 times!

Finally, I came across the unemployment program, in which I was told I could have 3 months from paying my mortgage, and they would place the payments at the end of my mortgage. So they asked if I would like to opt for the program, or stay with the Home modification program ( they stated that after the 3 months I would reapply for the modification program), so I was happy to have that burden off my shoulders for 3 months, and agreed.

So I reapplied, and now they said, because I am still unemployed, I am disqualified, and I declined the Home Modification Program (which I never did), and my only options are Deed in Lieu of Foreclosure, or Short Sale. This has been going on still, after almost 2 years. I only wanted to keep my very first home, the so-called "American Dream". Now, I have to file for bankruptcy, because I have maxed out my credit to pay for bills, and living expenses (utilities, food, etc.).

Thank you BoA for dragging me along, until I lost my life savings, misleading a taxpayer who helped bail you out, not once, but twice, and making my owning a home, my dream come true!

I applied for a modification back in February 2010 due to marital problems and was laid off by my job in October 2010. I was told in June 2010 that I have been approved for a permanent modification and it was coming in the mail soon. It is November 28, 2011 and I still have nothing in my hands. I went to the Bank of America event in Sacramento, Ca on November 17, 2011 and was promised a decision by that weekend. It's been almost 2 weeks and still no decision has been made on my modification. We have been strung along by BofA for 19 months and counting. My house forecloses on November 30, 2011 and my FC postponement was denied by Freddie Mac with no reason. I am trying to get in contact with Freddie Mac, but due to the high volume of calls they are only accepting messages.

I received in a mail from BOA shortly after it took over from CountryWide stating that I could be eligible for a modification. I read over all the paper work and at the time I was three months behind on my house payment. My wife was the only one working. I had lost my job but we made some payment. I made copies of all the paper work, signed all papers including the mailing label that was sent from BOA for the modification. I submitted the paper work. During the three months that was stated in the paper work, my wife still made the full mortgage payment for three months, caught up with the three months behind then started making the payment. The modification stated that I need to do it until I received a statement if I was approved or not.

My wife paid more than what was indicated. But when my wife sent in the May 2009 payment, BOA had sent the approval letter. BOA received my payment before I received my approval letter. I called the bank several times during the waiting period and I was told that all looked good and it was taking a lot longer since so many others were doing the modifications. Shortly after I received my approval letter, I noticed a few months later that my payments had not been showing any changes so I called BOA and they indicated they had not received payment from me since August of 2008. Me and my wife got all cancelled checks and bank statements, went to the bank, got on the phone with bank and proved that all payments had been made. Then I was told that the problem would be looked into.

Shortly, I received a letter stating that I had been denied due to failure to comply with the modification payments when I received my approval letter and that $1,000.00 would catch me up. Shortly afterwards, I received a letter stating that we refused the modification so I simply stopped making my payments and received my foreclosure papers. Shortly after that, I received another letter in the mail from BOA stating that I was not eligible for the modification. I had spoken to a lawyer about this and I was told that there is a loophole in the modification papers that I have to send in the amount that is stated. I did that but I just rounded it off. It is now November 25, 2011, I no longer live in my home and the BOA has yet to come lock it up or nothing. I did all the right steps and I still lost my home.

In February 2011, I contacted Bank of America (BA) to modify my current mortgage. After being passed from one department to another, I contacted a consumer counseling group NOVA. The NOVA rep was very supportive on the many attempts to speak to someone at BA. The reason BA doesn't want to speak to me, is I am current on my mortgage. In March 2011, NOVA escalated my case with BA to HAMP. I was finally directed to a Sherita ** with BA, who recommended I complete the online application for Home Affordable Modification Program (HAMP).

I provided all the detailed information requested. I was told this process could take two weeks. After 3 weeks, and no response to my application, I called Ms. ** She then stated BA would have to send me the package to complete. Two weeks later, the package arrived via FedEx (it was the same information I had provided them 4 weeks ago). I contacted my NOVA rep, they suggested I complete the information a second time and resubmit, which I did.

It is now June 2011, I receive a call from Sherita **, informing me BA will not be able to modify my loan at this time. If I could, I would have rated them -5.

In 2009, Bank Of America repossessed my home in Carrollton, Texas. I originally had a Country Wide home loan that was taken over by BOA. In 2008, I was transferred from the Dallas area to Goliad. I was unable to sell my house and had to rent it for less than my payment, insurance, taxes and BOA dues. With the cost of moving buying a new home, I got behind on my payments but Country Wide was working with me and I was starting to catch up the payments. I received a letter from Bank of America about foreclosing my home. I called and talked to them about the payments I had been making and the young lady told me I should be okay, not to worry and just make the payments as I had been. My renting agent then called me to tell me that the tenant had received a notice that my house was in foreclosure. I called Bank of America to see what was going on and they verified what the tenant had told me. My house was to foreclose on October 1st.

When I called them, I asked what about the payments that I had made. They told me they would not accept partial payments and my payments had not been accepted because they were not the full amount owed. I researched and found that that Bank of America had returned electronically three payments that I had made with no explanation as to why. Bank of America told me I had to pay $15000 to save my house within one week. I was on the phone with them everyday. I would leave messages on whatever department they transferred me to and even went into the local Bank of America bank and asked for help since I was not making any progress with leaving messages.

The banker put me on the phone with a special department that allowed me to file emergency extension paperwork. This was the Thursday before my house was to be foreclosed on Monday morning. I was told that it would be processed and that it should be okay. I had a single mother living in my house and she was interested in buying my house. She contacted them about making a short sell and they had her fill out paperwork. In the end on October 1st, 2009, Bank of America foreclosed on my house. My paperwork that I had submitted and that she had submitted was never processed. When we called, we were just transferred to a department, left messages and no one ever returned calls.

I again went to the bank and was given another department. They told me in Texas there was nothing they could do once the house was foreclosed. The house still sits empty two years later. Daily I was lied to by the employees that were answering the phones in September 2009. Why am I filing the complaint now? Because I did not know that anything could be done until I saw on CNN that Bank Of America did this to masses of people and that is was being looked into so I am now researching and telling everyone I can to try and get my credit standing back. Please help me. I would even take my house back and start making payments again. I am in a better financial situation now and could easily do that.

My husband has been going through back surgery and only getting disability. The surgery has been rough. I wanted to make sure that my mortgage was paid, even though we were short on funds. So, instead of stashing the mortgage money in a separate account where I would end up using it for food or gas, I paid every bit I could towards our mortgage during the month. I was very, very careful to be certain that I made the full November payment on time.

I am advised to call, but go through a maze of numbers and transfers only to get hung up on several times. I have eight days to make a double mortgage payment. My husband is on disability. We are barely squeaking through. We made a good faith effort to be certain that BofA got their money, even though it was hard. Now, I can't make a double mortgage payment and BofA has stolen my initial mortgage payment.

I closed escrow on my townhome through a short sale on October 28, 2011. I had $1572.15 in my impound held at Bank of America, my mortgage company, to pay taxes. The Title Company determined that my taxes were $573.54. Now Bank of America says they get to keep the rest to satisfy part of the mortgage even though it is insured with Fannie Mae. They say the money will go to Fannie Mae. Is this allowed by law or regulation? I think the extra tax impound belongs to me. Who is right? I am waiting to appeal to State of California or Fannie Mae about this.

I have made several attempts with Litton Loan Servicing (Bank Of America), for assistance with my mortgage. I started in November of 2009, by calling and letting them know, that I had a major neck surgery, and was unable to make the payments, and asked them for help. The only thing that lady continued to ask is "when are we going to get our money". When I was able to return to work, I started trying to catch up on the mortgage payments.

Later I became unemployed, and took a job making considerably less money, and it wasn't enough to make those high payments. As of May 2011, they finally started asking me for information, for a loan modification. I supplied everything they asked for, and sent by fax and mail. Later, they sent me out a notice that I hadn't sent the documents to them. I called Litton Loan, and they said they needed our pay stubs. I faxed that information back to them right then. After waiting, we received letters stating that we were not going to lose our home.

In October of 2011 we received a notice that the loan was transferred to OWCEN loan servicing (still Bank of America). In the beginning of November 2011 OWCEN loan servicing sent us a letter stating that the pay stubs we sent were more than 90 days old when received, (that was incorrect as they were the most current at that time) and we needed to send them current pay,stubs by November 17, 2011, for the loan modification in which we complied.

On November 15, 2011 Bank Of America filed for foreclosure on our home. This has been a nightmare as we gave them all of the information they asked for, and we had asked several times for assistance. We had to file for bankruptcy protection in Jan 2010. I believe that we were victims of predatory lending in the very beginning, as we didn't know that the loan was an ARM loan until closing along with other things that took place.

Now it's November 20, 2011, and I know we are going to be served a foreclosure notice anytime now, and it doesn't seem fair that we contacted them before we even defaulted on the loan, due to hardship. I had to leave the low paying job, that I was driving 100 miles per day to work to, in order to be able to get into a higher paying job, to attempt to save our home from foreclosure. I am limited as to what I can do for work, due to my neck fusion, and back surgery. I want to keep my home, but they continue to give us the "run around", so to speak.

We want to pay for our home, but we have also been taken advantage of, as this was our first home purchase. Our payments have went up in this process after the bankruptcy with "discretionary charges", and we can't afford that payment. We were told when we purchased our home, that we had to do an 80/20 loan. What can be done about this situation to stop the foreclosure, as we can't afford what they are demanding.

I am in the situation where is millions of people are losing the houses. I have very bad experience with BOA and would like to share with you. You are the last chance to keep my house. My name Is Irina **. I was working for the airline I lost job last year in 2010. In June of 2010, I was not able to pay my mortgage. I did apply for loan modification with BOA in July of 2010. I am still on the modification process, it is 2011 November. This is was the issue with the BOA. On the 10.22.2011, I spoke with one of the supervisors name Tom **, and was advised that my documentation, which BOA lost, will be reinstated and I have to wait for Tom`s call on the 10/25/11. I told him that I am a flight attendant and will be oversee at that time he said that not his problem. I have to be at home and wait for his call. I didn't go to work, called off, before my flight and got fired. Now I have no job and BOA is not responding on my calls. BOA supervisor never called me. Please read all my story.

On the 22nd of October 2011. 15s month BOA were dragging my feet, from one over rider to another one. I spoke with 27 associates and 16 supervisors, no one is responsible for any thing BOA sent me by fed ex a final loan modification package. At that time I was oversee, I am a flight attendant, I spoke with Randy my last over rider and explained to him the situation .I did request send package to California, because I was between 1st and 5th at my base in LA. Randy said that he will send a package to Ca address, never did. Then I called him on the 28th of September and told him that package still not arrived. Randy told me that I have to send back documents by the 7th and provided his fax number 800-658-0395, I did fax it to him on the 4th of October, called him to confirmed, never get respond.

Then I start to call him every day and live a messages. Never get response. He said that he was off that's why he did not contact me. On the 11/02/11, I finally had a chance to find him and remind his conversation with me in September, that he told me to fax the documentation. He said he never did. I asked him who provide the number of the fax and his personal number, he said I did. His number is 877-445-9077 ext 31568. I asked him phone number to write complain of his negligence to his supervisor, he said does not have it.

On that day I told him that he lied to me and because of that my documentation got on wrong department and I got lost my modification. He gave me appeal department number which is designers company 800-666-6650. I called again and spoke with Pola s9688 id number, she refused to provide me correct number. Then I went at BOA branch spoke with Mr. **, he said that Mr. Kenneth **, Randy's supervisor will contact me. Never did.

On the 10/22/11, after speaking with 6 associates I got Tom Laslo, supervisor, who told me the I didn't send documentation on time, and I told him I have sent them twice on the 4th of October. After One hour he finally found my documentation and apologized that they sent to wrong department. He gave me his personal phone number which does not exist at all , lie again. The number is 207-866-5323 . He told me that he will help me and reinstate all my files. I was waiting for 2 weeks never get any body to contact me. Finally I called on the 11/02/11, I got the answer denied, because I didn't fax it documentation. I try to explain to James f2941, Larisa 8906, Evet 8934. One answer that I did not FedEx documentation, which Randy told me I don't have to on the 28 of September 2011.

I have all records of people I spoke with. Tom ** advised me to hang on the 25th of October and wait for his call. I did not show up to work called sick, no pay. The result is my loan is not approved and now one can tell me what to do next.

Mr.Obama, I need your help to keep my house. I am not going to give up. Bank of America has no respect to people. Evet 8934 supervisor told me that BOA has thousands of employee and they are not responsible for each other. Who does then?

Today is 11/04/11, I am continuing my investigation and try to find out the status of my modification. Called again spoke with Elma id 8625, she transferred me again to supervisor Casandra ID 2908. Casandtra has no idea what I am talking about. I asked her phone number of appeal department she gave me again some thing else 800-325-5399.

I asked to whom I can write a complain about Randy, over rider that his negligence is effected my life, my mortgage and my family, she said no one. I asked her to provide Randy`s supervisor information, she refused .

On the 11/02/11, I was at the BOA branch 2167 and spoke with Daniel **. He promised me that Randy`s supervisor will contact me in 24 hours. Today is 48 hours and Mr. Kenneth ** never called me. I called to a number 714-553-4470 provided by senior personal banker. The number on the business card is a personal number, not related to BOA. (that person was cursing on me that I did called 3 times and asked for BOA).

I did contact congresswoman in HI to help me. Maybe they will straight up BOA get billions of dollars from the government and screwing people lives. I do request to reinstate my loan I do attached to the letter and I am not going to accept the new modification which was added additional $100 to my mortgage, the total is $1198,previous was $1098.

11/04/ 11 I did contact Tel 704-386-5681. Spoke with Tedesha advocate of CEO of BOA she introduce her self as, she transferred me to Joshua **, customer advocate of BOA in DFW. Now I am waiting for calls from him to assign me to one of the management department. This is unacceptable. We do live in The United States of America.

Sir, please , I do request personally to look at my situation and help me. I do appreciate for your time and I do apologize to Congresswoman of HI Ms.**.

On November 2nd, I request your help with Bank of America. I had only hope that you can contact CEO of BOA. A little story what was happened this week from 14th to the 18th of November of 2011. I had message from Shary the CEO of president Monday 14th regarding my loan. The same day on Monday Mrs. ** called me and left me a massage with wrong ext.877-430-1431 ext.27651. (I do have recordered all conversation with BOA) It took me 4 hours to find a right ext. Every time I called BOA representative transferred me from one department to another. 5: 30 p.m Kelly employee #1114 after 30 min verification of my address and ssn, she told me that she will transfer me to the right person.

Shantay #** supervisor, can't provide right ext, can't figure out who left me a message.30 min. Again on the phone, then she said nothing she can do for me. I called back again spoke with Lina #4111, 30m minutes verification again and transferred me to another person who can't help me as well. I hung up again and called again. Got on the phone back #7111 finally she find for me right ext. for Thomson. She did verified that Thompson provide wrong ext. Its took me 4 hour on the cell phone to find a right ext.

I called to Thompson and left her a message that she is very negligence and that's why my loan got screwed by BOA. She never calls me back. On the 15th, I did contact Shary and requested to Thomson call me. She said she will , then 10 min later Shary said, Thompson can't call me I have to call her. I told her that she left wrong extension; this is not a first time when BOA representative lie and provide wrong numbers. I did call Thompson again on the 15th and left her a message to call me, she never did.

I called her on the 17th of November 2011 at 9 a.m e.t, Thompson said that she called me at 5; 45 E.T on the 16th , I never got message. I asked her what number she dialed; she gave me the number I never even heard of it. I asked Shary to investigate who put wrong number, she said she is not going to entertain me and investigate. I insist Thomson (have no idea who is she) to reinstate loan from October, she said no, because my documentation has not arrived on time. I did explained her over and over again that I was misinformed by my override Randy 877-445-9077 ex31568, she just apologized and said "no you have new contract and have to pay $1268. I told her my mortgage $1600 and I have left 24 years, I am not stupid to sign a contract for 40 years and pay $1268.

Also I told her that Thompson left me wrong extension, she just apologized. Also I didn't get any documentation about any offers. Because people at BOA like Randy my forth overrrider, like Ms. Thompson and 39 more names of associates and supervisors who mishandled me and millions of people loans if their behalf.

I bought my house in 2006. I was given a 1st and 2nd mortgage from New Century Mortgage Company. Then both mortgages was sold to Countrywide 3 months later. I noticed my mortgage payments increased $130.00 a month when Countrywide took over. When I called them, they said my settlement statement was incorrect and I either had to pay the additional money or vacate the property. Then my ID was stolen by Countrywide, shortly after I fell into hard times and then BAC home loans took over my loan. During my 1st loan modification, I kept a log of all calls and documents. It took 6 times of faxing my personal information and 2 years to complete the 1st loan modification at which BAC did not follow the government guidelines in which I have a copy of because I contacted the federal government and made multiple written complaints.

BAC went above the 90% loan to value rate and know I am still waiting on my 2nd modification. My BAC account manager Sadie ** with BAC took me out of the program stating that I did not return the Dodd-Frank Letter by date per requirement when BAC received the signed letter a week before it was actually due. Then once this happened, I started recording all calls to BAC and logging in notebook. Sadie stated that I would have to go through the process and start over. I have received refund checks from BAC at which Sadie says she does not know why, I am getting intent to foreclosure letters when I was told I was in the final stages of loan modification program and being lied to by BAC Sadie **. Her stating that loan modification paperwork was sent via Fedex to me and I did not return it. But yet she could not furnish a tracking number for this mailing. And when I called Fedex, they confirmed that no Fedex's had been scheduled for delivery to me from BAC.

She is saying that she has resent it one time and that if I do not get the documents back to her ASAP, I am out of the program. When I bought the house, it appraised at $209,000. I financed a $189,000 total between a 1st and actual 2nd mortgage. When BAC took over, they forced me to sign a letter changing my actual 2nd mortgage to a 2MP home equity line of credit. BAC stated in the letter that if I did not sign, I would not qualify for 2nd loan modification. This was last year (2010). Here it is 2011. And when they modified my 1st mortgage, BAC went by and the appraisal I had done that was a year old ($155,000) at the time my 1st mortgage was modified, my house was only worth $75,000. I have complied with BAC on all their requirement and requests to find out that they are trying to force me into foreclosure. I have documentation from other people that I have collected from realtors showing BAC lack of response and trying to force others into foreclosure. I do not want to lose my house and want to make sure BAC is following the guidelines.

Per what documentation I have, BAC is double-dipping, they are collecting from me the full balance of the loan plus additional money from the government. Per the government program I am in, the 2nd mortgage should have been wrote off and included in bailout funding. BAC's Sadie ** is trying to cover up her mistake by lying to me over the phone and cause me to go into foreclosure. I have written to the President, Florida State Senator, Channel 2 news, Michael Moore (his producer called me to be on a show because I sent him a copy of the information I have) and the federal banking commission. This is the 3 years now that I have been going through and I am tired. No one at BAC likes to return calls, and when they do, they call the incorrect number plus they have no answers, only delay tactics, and since I have an account manager, I am not allowed to get help from any other BAC representative, only Sadie **.

We were set up with a loan modification under Countrywide. It was a done deal. When BofA took over, they told us that our modification was null and void but they had a program in place of that. If we qualified with Countrywide, we'd for sure qualify with BofA. We went through the process of filling out the paperwork and then we were declined, of course and that was 2008. Since then, we've tried 4 more times to get a modification on our mortgage and have been declined every single time.

I took to the internet recently and started a petition on **** and started a movement on my blog **** and called it Battling the Banks. When I got onto Twitter, I was re-tweeted so many times that I reached close to 1 million people. BofA called us within a couple hours to let us know that our file has gone directly to the Advocate for the President and will be handled directly through them. What does that mean? Absolutely nothing. More paperwork and no promises. In my opinion, all it is, bigger mirrors and more smoke. But, we shall see.

We purchased our house in 2007 with a simple 30 year fixed rate mortgage. Our rate was high because I did not exist in the credit world. This year, we suffered hardship, a loss of income, and tried to get a Making Home Affordable modification through Bank of America. We were told we were approved and would need to go through a trial payment period, which was $400 more than the current mortgage amount due to the addition of an escrow account.

In May 2011, we realized this wasn't for us, and decided to send a letter declining the modification and for our mortgage payments to return to the original amount. In August 2011, the Bank stated we were late on our August mortgage, simply because we did not pay the escrow. Fortunately for us, we have our payments deducted automatically from our account monthly. In September 2011, I called to find out about a "partial payment account" which had over $5,000 dollars in it, only to be told since we didn't pay the full amount, including escrow, it was placed there and would eventually be returned.

I authorized the BOA employee to remove all funds from that account, apply it to the mortgage and paid over $800 in escrow and late fees. By the end of the conversation, I was told I had a "zero coupon." After many heated phone calls to my modification representative, I am now being told I owe money from March, and if I don't pay that by December 5th, they will start foreclosure proceedings on my home. Today (11/18/11), I received a check from the Bank which is in the amount of our October mortgage payment because it wasn't the full amount. I have hired a credit repair specialist, and a mortgage advocate to help me refinance through the VA (my husband is a war vet).

BOA has wrecked my credit, and is starting to wreck my personal life. I don't know where to turn, or who else to speak with. We live on a city employees salary and don't have the money to pay all these fees. BOA is by far the worst bank under the sun. They absolutely have no customer service skills, or for that matter, care about their customers. I am on the verge of losing my house, and my credit is being demolished. I have two small children, where will we go?

P.S. All this should have been resolved back in May when I declined the modification. Even the mod rep stated the escrow should have been removed from my payments and everything should have gone back to the way things were before. I tried to help our family by requesting a way to lessen the mortgage burden, only to be stuck into the bowels of hell.

As a father of four small children, I always worked hard to provide a stable home for my family. This proved to be one of the toughest battles of my life. As most Americans, we were striving for the dream of being a business owner and paying off our home. My wife and I started a couple businesses and were well on our way of achieving the American dream. It seems like out of nowhere the economy crashed and we were forced to close our businesses. We went from making a decent living to struggling to survive. Nevertheless, we wanted to honor our commitments to our creditors the best we could, and that included our mortgage. I went back to managing at a local grocery store and my wife found work as a teeth whitening technician.

Times were tough but we were tougher. My wife's company downsized and she lost the teeth whitening job. I started a 2nd job working for a maintenance company and later got a job working in a bakery as a pastry chief. I was working so much that I would sometimes just change in the car for my next job. I shaved in gas stations as well as brushed my teeth and washed my hair. No matter what, I did my best to provide for my family. After a while, my body started to fall apart. First, my back went out and later I ripped the labrum in my shoulder. I had to get surgery on the shoulder and could not work my two other part time jobs. I did however keep my full time job.

We started to fall behind on our mortgage and I was trying to work with the lender on a plan that would work for everyone. After 30 or more phone calls and endless hours on the phone, the property was going to the sheriff sale and I could not stop it. I contacted Lutheran social services in St. Cloud and they put me into contact with the attorney general. During that time, Amber **, an attorney in the cities, contacted Tom Lyden from Fox news and asked him to do a story on our foreclosure. Tom came to the house. While interviewing my wife and I, the phone rang. It was the attorney general's office. They had contacted my lender and got the lender to postpone the sheriff sale for now. Tom called my lender as well and asked them if they wanted to comment on the situation. The lender refused but what happened next was crazy.

I was now at work when my cell phone rang. I looked at the number and it was an out of state area code. I quickly answered it and it was my lender. Within minutes of the conversation, my lender redid the loan and was sending out the loan documents to be signed and returned. The question I had was why they would not help me during any of the 30 phone calls that I made prior? I was told that they could not help our family. This just shows that you have to do whatever you can if you want to save your home. The next day, I took my four children down to the state capital to help try to get a mortgage reform bill passed by Gov. Pawlenty. It would have prevented more than 12,000 foreclosures just in Minnesota. He vetoed the bill and those families lost their home.

Things were going as planned. But now my wife was in school, full time working toward a degree for dental hygiene. I am working nights and being available for my children during the day. I went back to school for a major in occupational behavior and a minor in psychology, as well as business. Our schedule is packed with getting the kids to school, my full time job, my wife in school full time, my school and just the daily battle of life. We are running all the time but we make it work.

On December 10th, 2010, I received a certified letter from my mortgage lender. It states that if I don't send them a check for $567.15, they will accelerate my 2nd mortgage and foreclose on our home. The problem was I did not ever miss a payment. My first and second mortgage were both paid and I have the cancelled checks to prove it. I called Bank of America and was on the phone for 52 minutes. I was transferred several times and no one could tell me what the charges were for. Two different customer\ service reps told me that the system just sends letters out sometimes and they really don't know what they are for. I was irate. I worked so hard to save our home and a system error was going to put our home into foreclosure. I did not have the extra money because our mortgage takes three of my four paychecks. I can't sell the home because it is worth $125k less than I owe. I want to honor my commitment to the bank, but I need them to cooperate as well.

On 12/30/2010 at 1:15 pm, I received a call from Stella from Bank of America. She said that the notice was sent in error and the account is current. I requested that a letter be sent stating that the account is current and no foreclosure proceedings have started. She agreed to send the letter. For the record, she called in response to the complaint filed with the OCC. Their contact information is on the next page of this website. The OCC was fast to act, as well as the attorney general's office here in Minnesota. The organizations are on your side and will do the best they can, so please use them.

I only thought I was done. This is the continuation of the issue. I sent this letter to Geneva **, Operations Analyst at Bank of America's Home Retention Customer Service Relations: "Thank you for contacting me in regards to the conversation on 12-30-2010 at 1:15 pm CST. During this conversation we discussed a certified letter that I received from Bank of America on December 10th, 2010. I stated I needed to pay $567.15 by Jan 2nd, 2010. Bank of America would accelerate my 2nd mortgage and start foreclosure on my home. We also discussed the complaint that I filed with the 0CC and the attorney general of the state of Minnesota. After 52 minutes on the phone with customer service for Bank of America, I was told that this was a mistake and sometimes the system just sends bills to customers. I was told that they did not know why I received the bill even after being transferred several times to different departments."

"After I explained this to Stella, Stella stated that she would send out a letter stating that this was an error and that foreclosure proceedings have ceased. I never received the letter. I did however receive a letter stating that the credit agencies would be contacted to correct the mistake by Bank of America. I also received a letter stating that the amount that I sent as my 2nd mortgage payment, $189.05, was less than the total needed to bring the loan to date. And if the amount due is not received by the specified due date, foreclosure proceedings may begin or continue'. So even after our conversation, I received 30 plus calls from Bank of America's customer service department who has no idea why I owe the extra money that was just billed in November 2010. Up until that point, I had no notices for the $567.15. All payments on my mortgage were current and the checks cleared my account."

"The FedEx letter that I received today, 02-14-2011, stated that, The following checked items are required (but no items were checked).' The contact number in the letter that says I can contact you directly at ** does not go to your desk and went to a Nia **'s voice mail. It stated, I will be out of the office from December 24th and returning on Jan 3.' Today's date is 02-14-2011. So, for 41 days, the voicemail goes to the wrong person and is not managed even to the point of updating the date."

"Ms. **, I will make this short and to the point. I have tried tirelessly to keep my commitment to Bank of America. I had at one point worked three jobs and ruined my back and shoulder. I had surgery and continued to work and make my payments on time according to Bank of America's own monthly statements. All the modification documents have been late by months (according to the documents themselves). And I continued to make the payments even if I had to copy old statements, because new statements did not come for months at a time. I have recorded and documented every conversation and took complete notes. I studied the mortgage laws and modification laws, as well as FDCPA laws. I work hard to do the right thing, but Bank of America has made it almost impossible."

"I created a website for Bank of America customers to express their concerns and displeasure. To date, I have over 1000 documented cases that violate state and federal regulations. I am very concerned about the way Bank of America does business. And I am working with the press, as well as local and federal agencies to stop the poor business practices. At this point, I am requesting no further contact by phone and any contact needs to come by mail only. Bank of America is a creditor so the FDCPA does apply. I will continue to make my payments on time but if you foreclose, I will file bankruptcy and protect my home and my family. I have an attorney that you may contact for a potential bankruptcy petition. The firm is Curtis K. Walker at 4356 Nicollet Ave S. Minneapolis, MN 55409-2033. The phone number 612-824-4357. I have retained them with an $1850.00 payment and I will await Bank of America's decision."

"In addition, this home was just assessed at $224k as of 2011. The sale would not even cover the first mortgage. I am willing to pay the agreed amount on the mortgage documents of over $350k and honor my commitment. Any further harassment by Bank of America will cause a problem that will make the mortgage crisis look like losing a hot dog stand. I promise I will spend the rest of my life making sure that no one else gets hurt by Bank of America, unless I am left alone to live in peace with my family. If I am left alone, I will leave the Bank of America alone. Like I said, all further contact must be done by mail only.' The ball is in Bank of America's court so do the right thing."

This is the continuation of the FedEx letters coming to my house. This is a continuation of the documentation to and from bank of America: "On 02/17/2011, I received a letter from Daniel ** of FedEx. It stated that he has tried to contact me but was unsuccessful. I called the number on the letter and got someone else's mail box. This is the same thing that happened when I called the number on Geneva **'s letter. The number on the letter was **. I got Nia **'s voice mail that stated she would be out of the office from December 24th to Jan 3rd. I called on the 14th of Feb. I had a message on voice mail from Cecilia. I called the number she gave me and got Geneva **'s voice mail. I had another voice mail from Tiffany from ** ext. ** and received a voice mail message. I was given several numbers to call on voice mails from **, Geneva's supervisor to Crystal ** ext. ** and then Robert ** ext. ** and then Carla at **."

"As you can imagine, I have no idea who to call. And when I do call, Bank of America has no idea why I was billed in November for $567.15. I was told three times by three different employees that the billing was a mistake. All conversations I recorded. My question is, how many home owners has Bank of America done this to? People are losing their home. And they are getting the runaround with threatening letters, dishonest conversations from the bank, and several numbers to call that go everywhere but to the person that the letters from B of A say they should go to. Now, Bank of America is putting my pay for performance incentive at risk by charging me by mistake and causing an on time account to get 30 and 60 days late."

"I will forward all of this to the OCC and attorney general, as well as my personal attorney and the dozen of attorneys ready to take this case to the most extreme level Bank of America has ever seen. Or, you can leave me alone to make my payments and I will honor the commitment. It is Bank of America's choice. I am now up to 1067 filed complaints against B of A on my personal website. I am about to launch 20 more sites and pile them on Facebook ads, as well as Google ad words, Yahoo, and every other channel on the internet. Or, you can leave me alone and let me make my payments. Are you starting to understand how this works?"

I have received three more FedEx letters that stated that I was unable to make my mortgage payments and that the information that they requested was never received. The issue is that all payments are current and have cleared my account. I never requested assistance on making the payments. I was only asking why I was billed the $567.15 in the first place. To date, I still do not have an answer. I paid the fee for whatever it was and will be filing a lawsuit in the 5th district court of Sherburne County. So, that is my story. I am just a person trying to support a family and keep my home. I don't understand why a bank would want to foreclose on a home, that they will take a huge loss on and that all mortgage payments are current. Since then, I have been continually harassed by the bank and may end up losing our home. It is sad but I feel like I have done all I can do for my family and we need to move on.

Poor! I have a current mortgage with BA, and applied in June 2011 to re-financed and paid them $400. I also paid off another BA mortgage a couple of years ago. The first person who handled the loan dropped the ball, and It had to be refilled. After submitting all the paperwork that they asked for, every two or three weeks, they keep asking for unnecessary documents (some of which I never had or seen), and continued to not process the loan. This is for a re-finance loan that I am already paying the mortgage to BA with a good credit history.

We have paid our Oct & Nov 2011 payments and BofA is stating they have not received our payments. Now we received a letter informing us about foreclosure. On our bank statement, it shows the payments were received by BofA. We have spoken to four different reps and on one knows where the funds went. They sold our loan to Nationstar Mortgage. They added our property taxes to a new escrow account without our consent. There is no help from BofA, no answers. No one seems to know what is going on nor do they care. We don't want to lose our house. We don't owe them any late payments. We need to know where our money is. Help

Stars for what? Being all over the news? I will keep this brief. I applied for a loan modification 4 months ago. Paperwork was submitted and confirmed receipt by my modification rep. The next week, I get a request for the same information. I call, they say they do not have but I call my modification rep and he says they do and he was going to tell them not to contact me anymore. This happens 3 more times and then I told that it is an automatic mailing requesting the same information? I get upset and ask for a supervisor who also informs me all paperwork is in order, we were waiting for the quit claim deed.

Out of the blue, I get an email from the supervisor saying I have a new modification rep. I cannot reach her. Three weeks later, I get a letter saying I yet have another rep. I email her to confirm paperwork is still in order. She asks me to call, we miss each other. I email her to confirm the paperwork is still in order. She writes back saying she does not how I got her email and that BA policy is not to communicate about modifications via email. Meanwhile, I have 32 emails from a rep and supervisor openly discussing my loan. The letter sent had her email.

I have been treated with disrespect, I have been accused of lying, and I have been told I am getting the modification. I am at the point of just refinancing with a new bank that does not have as many alleged illegal practices against them.

This is a very scary situation, each person who does business with this bank truly needs to watch out for their security. There are too many things alleged illegal stuff, this bank is being sued for it to be right. Countrywide sold my loan to them. Please proceed with caution, I will comment my first modification rep Clint was good. The supervisor David and the latest rep, Elizabeth, I feel now they broke some laws by emailing me which I not let slide. Please hire an attorney if you get crossed signals about policy. You identity could be at stake.

If I could rate it a negative, I would. Bank of America purchased my loan from Countrywide Insurance. I had my loan set up to pay my own taxes and insurance. I pay my mortgage every month through bill pay. I have a set rate for 30 years with no adjustable payment, simply the same rate for 30 years. I rarely look at my statements because I know that my payment doesn't change. Back in Sept. 2011, I happened to open a statement and it said that my mortgage was over $1,000 plus. I called to see why and was told that it was for my negative escrow account. I explained that I pay my own taxes and insurance, and this is how my original loan was set up. Not to mention, I had this same problem last year where they paid my taxes and increased my mortgage. I found out after applying for credit, they told me that my mortgage was 6 months late. After getting this straightened out (my credit reversed), I never thought this would happen again.

Getting back to what happened this year, apparently there was a bill for the police department coming to my house due to my alarm system going off, which I knew nothing about. The company that I was using had a faulty system in my house, which has been removed. BOA told me that there was a lien being filed from the police station that had to be paid, to stop my house from going to tax sale. I had not received any notification that a lien was being filed, nor did I receive anything about a tax sale. I can totally understand that I needed to pay them back the $450.42. But they also paid my property taxes, which weren't even due, nor were they late. Now, it shows that I owe a balance of $1254.21 in escrow charges.

When I called BOA, the gentleman said that he was going to file a dispute about my taxes being paid and someone would get back to me, which never happened. I received a call today from BOA at my place of employment saying that I am two months late on my mortgage and my mortgage went up. I have never been late on my mortgage! BOA had no right to pay my taxes. They were not late, nor were they due. This was not causing any threat to my property. My taxes were not set up to be paid by Countrywide, nor did I set it up that way with Bank of America. My mortgage payment is paid in full every month. My credit is far too important to pay anything late. BOA told me today that my payment was reported late last month because I have a negative escrow account. Again, I paid my mortgage on time! They have added additional amounts to my monthly payment to cover the taxes that they had no right to pay. And once again, they are reporting my mortgage payment late to the credit bureau.

I offered to overnight them a check for the amount that they paid for my taxes. But I wanted my credit report fixed for the month that they showed it late. When I spoke to the person in Sept., he assured me that this would not happen and that they would get back to me to resolve things. I asked to speak to a manager today, Shantel **, who had no interest at all in trying to help get this resolved. She even admitted that the dispute was rejected because the BOA person that I spoke to filed it as a tax dispute, so no one ever followed up on it.

I explained that I am going to check with a lawyer to see if they could legally pay my taxes when they weren't late, or even due. The explanation that she read to me didn't explain why my taxes had to be paid. She could clearly see that I have never paid my mortgage late and that this was just a mix up that I was trying to straighten out. My credit is extremely important to me and I want it reversed! BOA does not care one bit about their customers! I don't even see why Shantel ** is a manager! I am seeking legal advice about filing a lawsuit.

I have had my house since April 2001. Last year, I was finally able to get out of a 22 year very abusive marriage with my life. While the divorce was going on neither me nor my now ex-husband could live in it. So I kept up the payments on the house and rent on an apartment.

March of 2011, I got put to part-time and I was no longer able to make the house payment and the apartment rent along with the car payment that I now had since my ex-husband got both vehicles. I have not made a house payment since March of 2011. On April 2011, I received a FedEx package with the Home Affordable Modification Program application. I filled out the application, attached the documentation that they requested and sent it back to Bank of America overnight. Well, it has now been seven months with weekly calls that I make because they do not know how to make outgoing calls, resending paperwork after paperwork either fax or FedEx and I find out last Friday, November 11, 2011, that my house is on the Tulsa County Sheriffs Sale list with a sale date of December 6, 2011.

Every time I have spoken to someone at BoA, they have assured me that as long as I am working with the bank that my house will not be sold. I have spoken to 31 different people since June 1, 2011. I have either faxed or sent over 50 pages of information through FedEx. One week I called, I get told they have everything and it is in review. The next week I called, they don't have anything on file. The next week I called, they need more information and then the run around starts all over again.

My divorce was granted in May 2011. I was finally able to move back into the house that I have paid on for 10 years. It was my first house and I love the house and neighborhood. In June 2011, I'm so excited because I am thinking/hoping that I am going to get to keep my house and make changes to it and improvements because BoA keeps telling me that as long as I am working with them, then my house wont be sold. I was put back to full-time on August 1, 2011 and I called the bank and told them that I could start making payments again and was told not to do that because that will confuse the process. So now, I am nine months behind and have been working with BoA the whole time and I am still going to lose my house.

If I can find an attorney to take my case, I will gladly sue Bank of America. I will never, ever use them again for anything. I will tell everyone I know what crooks and liars they are. Should I lose my house which I probably will and I do go to buy another one, I will not go through BoA even if they are the last loan company on earth. I would rather rent for the rest of my life than deal with them again for anything or on anything.

We were behind on the mortgage payment then people started coming to the house to see if we still lived there. They took pictures and basically harassed each month. One month was so bad the person who came to the house called us dead beats and losers. We contacted BOA, nothing. They cared less. At that point we got money from extra work, called BOA for the total of all money owed, payments, and late fees. We told them we would make three equal payments to get current, which we did. Each month was a hassle to make the strange amount payments as they did not fit into the walk into bank's computer boxes. They only have payment, principal or late fees.

Here comes the problem: some four months later of paying on time, fees start appearing on the statement. Titled fees. No one inside the bank can tell us what those fees are for. No one on the phone can tell us what those fees are for. Our statement shows regular payment and some extra $700 for fees. They call daily for those fees, we keep asking what they are for.

One day finally someone said those fees were for when people came to the house to take pictures and see if we still lived there. Now those people got paid $15 per house to harass me but I have to pay BOA 150 for each time. How does this work? Any one else have those fees? Did you ever have someone just show up to see if you still lived in the house while making a payment each month?

We started a home loan on August 15, 2011 for a second home on the coast. We had been pre-approved by BofA. We were buying an REO from BofA. We had a 30-day escrow and were supposed to close on September 26th. On September 22nd, we were told that we were under B of A's new mortgage review program and this process was going to help them stay under the 6% Federal failure rate. We were told it would close in under 30 days and everything looked good. We had to write many more letters of issues, one being a letter of explanation of why Bank of America did a credit check for a home mortgage on August 8, 2011. Really, you want me to write you a letter on why you did a credit check?

We were told at the beginning of October that our loan was in queue with the underwriter. At the end of October, we were told it was under review with the 3rd underwriter. For the past two weeks, it has been in queue with the final review committee. Our mortgage rep cannot get a response from the processors or their managers. She has requested that I do the calling and maybe that would help the process. All of our banking is with B of A. We have Merrill Lynch accounts. Our two credit cards are with B of A and we should have been the role model client. It has made me aware that I have too much under the mothership of B of A. There isn't any cohesiveness with technology within B of A. We are still waiting to hear where the loan is at 90 days later.

We have bought our house in 2007 with a $400,000.00 down. Last year, we have experienced several circumstances of hardship, therefore we've applied for a modification request. It's been almost 18 months since that was in process. We feel defrauded and scammed by Saxton (BofA). Our loan was owned by BofA then got transferred to Saxon Mortgage, but still falls under BofA. NACA is our advocate in this case. For a very long time, we couldn't get an answer from Saxon, as far as knowing the status of our modification request. Keeping in mind we worked hard, and in a timely matter with Saxon (BofA) in providing all the documents they requested. We were not getting any answers until we got Congressman Brad ** and NACA involved.

We then received an e-mail stating that, our modification has been denied due to not having enough income, but according to NACA we fall under the guidelines of qualifying for a modification. Two months later we finally received a letter in the mail stating since we did not provide documents per Saxon's request they are denying our mod. request. Earlier last week, I have spoken to our processor. George ** is his name which was given to me by Saxon's customer rep, but when I spoke to the processor, he refused to provide me with his last name, and said his name is "Horje". Anyway, he told me that the house will not go into foreclosure unless I provide him with current pay stubs, current hardship letter, current NACA Budget List, and 3 months of bank statements.

Later that week, Saturday evening November 12, we have gathered all the documents, and faxed it to NACA and Saxon. I made a note on the fax cover letter for NACA to provide me with a current Budget List, after reviewing the current pay stubs, and other current docs. Sunday morning I received an e-mail from NACA, that the processor has sent us a proposal via NACA's web file, and their proposal is for us to pay $3,968.00 monthly.

In other words almost a thousand dollars of increase than our original monthly mortgage ($3,200. I though it was a typo so, Monday morning I contacted NACA,but they were closed, so I contacted George Espinosa aka "Horje" to see if he received the fax, and see if there was some sort of typo with the proposal. I told him since we can't afford $3,200 of monthly payment, why did we get an increase of almost a thousand dollars, and what makes you think that we can afford to pay $4,000 of monthly payments. He said that's what BofA wanted. Then later on, during the conversation he mentions to me that on Sunday, he went to work and received the fax that I have sent him, and based on that, he made his decision (and not the BofA). I could not get a straight answer. Then after hanging up the phone with him I realized that he made his decision based on only 3 documents. The 4 that he has requested for (NACA's Budget List) was not included.

I have a feeling they did not thoroughly looked into my file. They have asked for Budget List in order to make a decision based upon that along with other documents, and failed to do so. I need to escalate this matter to a higher authority, and have them file a thorough investigation. The bank is scamming, lying, and victimizing us. There is something fraudulent going on for sure! Their stories don't make sense. Learning from the media and internet, I am not the only person going through this modification request nightmare.It has spread like a disease nationwide.

We are all humans! We all have rights! There is a law that should protect us. The banks have no right to steal our house from us. My wife and I worked a lifetime to buy this house, and now they want to take this away from me. It's not my fault that the delinquency of the mortgage payments have gone so far. The banks have been procrastinating our mod loan. Please help! I will do everything I can in my power to keep my home. We need your help. Thanks to organizations like yours, we can get some help. These banks have no right to do what they want, just because they have more money than we do.

I sent mortgage payment on 10/28/11, the same payment for over two years. On 11/14/11, I received check from Bank of America in the amount of mortgage payment.

I called and rep said payment went up $15. I told the rep I would mail another check tomorrow. Rep said I needed to do it over the phone to avoid late fee. I gave rep my bank information. I was told that there would be a $15 transaction phone fee. I told rep to take a flying leap and that if I did get a late charge I would come to the location and deliver it in person.

I did not receive notification about raise in payment. My check took 3 days to get to Bank of America. They held it for 3 days and cashed it on the 4th day and mailed the Bank of America check on 11. I did not receive Bank of America check until 11/14/11. I checked my escrow and taxes went down $1,000.00 for 2011. Homeowner insurance went down $289.00. I cannot get an answer as to why my payment went up and the rep will not give me a name to deliver my late charge in person. Did I mention that my loan was purchased by Bank of America? I purposely got my mortgage through another institution because Bank of America has always sucked. BTW, I have excellent credit and have never been late. This stuff is illegal or at best extremely unethical!

We have been trying to get a home modification loan through BOA. They keep jerking us around. We have been giving them the necessary paper work to them three times. We are promised that we will only deal with one home loan manager. We wait to hear back from Freddy ** or Fanny **, and when we call them back, a new account manager is assigned to us, and then they say we don't have all the paper work needed.

We tell them the last two account managers told us the same things, and everything was together, and in order, but now, Veronica, our account manager, wants more bank statements, when we have provided them three different times. She tells us that the ones we gave are expired now! That's not our fault or problem. Its a circle of **, that I have read online, that could go for two and a half years! I need to know what to do, and where to find a good lawyer, at Bank of America's cost if all possible. I wasted time, got frustrated and sick of the lying. I could possibly lose my house, because they want to play games.

In February 2010, our mortgage was sold over from First Franklin Financial to Bank of America (BA) Home Loans. In 2009, we hired a broker to modify our arm 80/20 loan and our monthly payment had been reduced, or so we thought it had been. When the loan was sold to BA, we had to contact them to find out when to start paying them, and not First Franklin. It took them a month to gather and finalize all the paperwork and determine that, yes, they were now our new mortgage company. We started receiving statements from them and continued to pay the same amount that we had been paying First Franklin.

In June 2011, we received a letter from Carrington mortgage (part of BA) stating that we were being sent to collections for not paying on our second mortgage. We were very confused because we were under the impression that the modification included the second mortgage. When we called BA and starting asking questions, they had no answers for us. We asked if we had an existing second mortgage, why is that they had gone over a year without notifying us that we were behind. No one had any answers for us and we were sent from person to person. From March 2010 to May 2011, we had not received any notice or statement from BA for the second mortgage. We then started receiving calls from the collection agency and did not know how to proceed. We had our credit reviewed to find out if it had been affected by the non-payment, and no where on our credit history did it state that we were delinquent on our mortgage.

After weeks of phone calls to BA and no responses, and several calls from the collections agency attempting to collect a settlement of 25,000 dollars that we did not have, we decided to short sale the property because we felt we had no other options. The property has a current offer and the investors are awaiting response from BA. We, on the other hand, are now looking for a rental property.

Within the last 6 months, we completed a trial program with Bank of America to reduce our mortgage payment and avoid foreclosure. We were told we completed the program and told the amount we were paying would be our new mortgage payment. When it came time to make the first payment "out of the trial period", we called them to make sure we should just continue making it as we had been. We didn't receive any paperwork as to how to keep making our new payment now that we were finished in the trial period and didn't want to mess anything up. We continued to make monetary, personal, and business decisions based on this new house payment, so we could move forward in life. We had previously filed personal and professional bankruptcy and were discharged. Our small business of 20 plus years my husband and I have owned has taken severe hits in the economy crash. And we are trying to restructure everything.

About a week ago, we received a letter in the mail from Bank of America stating we failed the program and our house will be slated for foreclosure, and we have 30 days to "appeal" this decision. I was absolutely stunned and certain it was a mistake. Throughout this almost 3 year process, they had sent us other people's paperwork accidentally a few times, to which we would call and send it back, making sure we were still okay and on track with everything on our own mortgage.

Since receiving this failure letter, my husband and I have placed what were probably hundreds of calls all going to voice mail and none ever being returned. He finally had an idea to call their corporate office on Wall Street. They were surprised to receive a call like this. Of course, they routed us right back to where we were getting nowhere. They were slightly more helpful in suggesting we report the person who wasn't getting back to us, giving us other names of people to call that were above him and leave messages as well, which we did.

Then, what a shock! Our "loan modification supervisor" finally returned a call back to us after that, only to say they "had been sick" and they were extremely backed up and would get to us when they could. They were using words like "don't worry". But as stated in the letter, we have a 30-day deadline before our house changes status to foreclosing. They had no answer for that. They have no answer as to what we should do. They have no answer except "don't worry". Why should we worry that we received a letter stating our home is going to go into foreclosure? I started looking around online out of absolute frustration. I found this website and I see thousands of people going through the same/similar problems as we are, regarding their home loans with Bank of America.

We have done nothing wrong. We have all proof of payments made, all paperwork from this almost 3-year period. I am living in a psychologically inhumane state when I allow myself to think about it, to have no place to help yourself, no recourse, to be completely ignored and threatened, with no way to fight back. Bank of America has become unreachable again. I'm not surprised there. One person we had managed to pry some information out of previously stated that our plan might be messed up because our last payment posted one day early, making it look like we made 2 payments in one month. It would take us out of the program we completed, because we can "afford" to pay more. We have no control over when a payment posts.

I have trouble believing this, especially after reading all the posts here. It is time to do something. There are way too many people here for this to go unnoticed. While feeling very helpless, I am going to do everything within my power to keep my home. We don't want to lose it. We literally live paycheck-to-paycheck and have nowhere to go. And our credit is destroyed. Not that it matters any, but our home was a 2-year vacant wreck that we fixed up ourselves, for over 2 years. We invested a lot of money in and it's more than "just a house". We have to do something.

They rate a big fat zero. It all started with trying to refinance my home. My broker asked for a pay off but the pay off said I was behind a payment. I called and I was not behind a payment. Because of the SCRA program, there seemed to be a $17 discrepancy. So I agreed to pay the $17 and have them send a corrected payoff notice. They proceeded to take out $2604 from my account, wiping it out completely and leaving my account negative 200. I spent 2.5 hours on the phone clearing it up. it seemed to be a clerical error. The process to reverse the money was to take 24-48 hours. After 48 hours, it was still not done and we were upon the Veterans' Day weekend. If it was completed the approval process on Monday would take an additional 24-48 hours to get the money back. This is leaving me broke and unable to close on my refinance.

In 2009, my mortgage with the Country Wide Home Lender company was automatically switched to Bank of America regrading our property at ** **, FL 34758. At the time and previous to this, the mortgage was in good standing meaning I was never late with any payments ensuring they were always on time. Since the start of the mortgage, I have paid property taxes and home owner's insurance separately from the mortgage. Five months ago, Bank of America abandoned my mortgage by not cashing the checks. One check was held and the others continue to be returned to me. After receiving the first returned check, I started to send the following checks through certified mail.

My wife and I have tried to resolve the matter through various phone calls as well as in person but to no avail. For this reason, I am asking for your help and support in this matter as I do not know where else to turn. I have attached the certified mail confirmations and the copies of each returned check with each document. Due to this issue, Bank of America has threatened to put my home in foreclosure with no valid reason. I would like to have this situation resolved whether with Bank of America or with another lender at no cost to me. I simply want my mortgage to stay on track. I thank you in advance for your support in helping me in any way you can with this matter.

Incredible! I could put my name at the bottom of most of these complaints but I will add mine to the list. I lost my job, fell behind on my payments, got another job and started making more than my usual mortgage payment. I did this for over half a year (2010) and all checks were cashed. In Oct. 2010 Bank of America notified me that I qualified for a mod.

I signed and notarized all papers and was told to begin making the mod payment, which I did till June 2011 when my check was sent back and I was informed that I owed a large amount and I was in foreclosure. Since then, the same nefarious practices that others have recounted (rep runaround, escalation (ha!), mystery fees, incessant phone calls, etc...) have happened to me.

I've hired a lawyer which I really can't afford, when all I wanted to do was keep my house that I have poured a lot of money and blood, sweat and tears into. Good luck everybody.

I would give them no stars! Last Nov. 2010, I applied for modification since BoA decided to escrow my real estate taxes while we were in the process of getting them abated. This caused my monthly mortgage payment to double from the original. I am disabled and on a fixed income and cannot afford the increase. So, I was told to file for modification, and that the program was designed exactly for people like me. I filed for modification. The first time, they kept losing paperwork. The second time, I called weekly to check on the status to hear for a year that it is in review and I should have an answer soon. They told me not to pay my regular payments and that they would give me a new payment amount. That never happened. And I never stopped paying my old monthly amount on time.

Since it didn't match what the new monthly mortgage payment was, they refused to apply any of my payments for months. They called constantly saying I was past due and they were going to foreclose. I finally had enough and contacted in Oct. Better Business Bureau. Three days later, I got a call from a representative that the modification was denied in July 2011. Not only was I not informed, for the months of July-October when I called weekly to check the status, everyone told me the modification was still in review and I should have an answer soon. Two days after being told it was denied, I got message from another BoA representative saying to please be patient, and that the modification was still in review. I received a direct contact person that I should contact and who will handle everything and will "work" with me to find a solution so I can keep my house.

I called and left a message. Her voicemail said she would call back in a day and if she doesn't, please contact her supervisor. His voicemail stated that he would call back in a day. It has been 3 weeks, numerous phone calls and I still have yet to hear back from anyone. Yesterday I received two packets in the mail from my contact person stating that since my circumstances have changed, I need to file again for modification. My circumstances haven't changed nor did I ever say anything of the sort. I am still in the same boat I was when I filed my first modification. And if she ever bothered to call me, she would know. I am at wit's end and don't know what to do. I get runaround after runaround. It is insanity.

No one can tell me anything when I call. And the latest letter told me a new representative has been set up for me and to call her directly. I did. Guess what? She answered and had no idea why I am calling her. She isn't my rep and referred me right back to the one that never returns my calls. I have lived in my house for 20 years. I have never missed or been late on a mortgage payment. Then, they double it and immediately try to foreclose on a mortgage I never signed with them to begin with, but which they bought out and decided to change all the rules and ignore the mortgage in existence.

It is almost a waste of time to keep talking about it. But I want to submit a formal complaint against BOA on how they handled a foreclosure on my home in Decatur, GA. I also want to add my name to any pending class-action lawsuits that might be in existence against this company. My story is truly a comedy of errors on the part of the bank. I have been dealing with this mess since October 2010. And just this month, I am told my home was sold on November 1, 2011, while I was working with the "short sale" department to avoid foreclosure.

I had a rep working with me and we thought everything was going as planned, but it wasn't! I have every document and records of every letter and phone call between me and the bank's reps. BOA has gotten far too big to know how to deal with the small consumer. Everything is departmentalized and those departments don't communicate. It is a horrible process.

I am reading through these complaints and can totally relate to them. I too received a check just the other day, saying they do not take partial payments. I went on line to my bank and found every payment sent to them (BofA). None were partial payments. Yes, they've been late. I informed Bank of America the reason (loss of my job) and that my payments will be late but will be made. Now they are saying I am behind a payment. And they raised my mortgage payment. What's worse, they call insistently! I counted 88 calls from them in one month. And anytime I get someone on the phone, I have to re-tell them what I told the last person. There has to be a law against the way they do business.

On July 20, 2011, I reached out to BofA to refinance my home. I was advised on the same day of the terms of my refinance. As part of the processing, I was requested to pay a processing fee to BofA of $35 and $250 to JP Morgan Chase for subordination processing. The loan was projected to be completed by end of Aug. 2011.

I contacted BofA multiple times to get a status on my loan and I continued to get a runaround on the delays. I can provide multiple e-mails if necessary to show the number of times that I reached to BofA which should not have been necessary. On Sept. 22, 2011, I was advised by BofA that my loan was approved and I would be getting a call to schedule an appointment with escrow . On Oct. 20, 2011, I was notified by BofA that due to their negligence and inefficiencies, my approved loan could not be processed. On Oct. 21, 2011 I requested to be reimbursed for my expenses ($35 + $250). I have been advised that the issue has been escalated. I am now getting the same runaround that I got in getting my loan.

I am hereby filing a complaint on BofA's unscrupulous business process. This is just short of consumer fraud and ask for your assistance in recovering my expenses.

For two and half years, I tried to get a loan modification with B of A, faxing documents more than 35 times they were lost or was told they never got them. This went on for over two years November 2010. I contacted senator Harry ** office, told them my problem with B of A. A letter was sent on my behalf to the bank. The next day I got a call from B of A. Within three weeks, I had a loan modification.

B of A did not lower my interest rate. My payment was raised 163.00 more. I had been unable to work for more than a year. I'm in worse shape now than before I was told by B of A I should be thankful I was lucky they did it because of Senator **. Well, I can't get a call back from **'s office. I have emailed. I have left messages and no response. B of A has set me up to fail. They also added another 20,000.00 to my mortgage on top of fees that added another 45.000.00 that's 65.000. I paid 217.000.00. Now I owe 265.000.00 on a house that worth 103.000.00. Can't get Bank of America to do the right help. I was also told by B of A the Making Home Affordable act was not for me. I'm now behind in my payments two months.

B of A is my first mortgage holder (purchased from countrywide). As with other complains listed, I lost my job three years ago, but managed to make monthly mortgage payments, although some were admittedly late. B of A has "lost" several of those payments. They sent me a loan modification package some time ago and denied me saying I had not returned the necessary documents, although I faxed them to the fax number indicated. They then continued to state I was behind and charge late charges. They notified me that my escrow had changed and raised my payment approximately 74 dollars a month. I made one payment (difficult on a fixed income).

I then received a letter stating I was caught up and to make my regular payment (which indicated an additional $6 monthly). I made my payment with the additional 6 dollars only to have it returned to me saying it was only a partial payment. I then received another loan modification package. Completed and returned it. At the same time, I received a letter stating that my payment was going up (approximately $74 a month) due to my escrow going up. i was able to talk to someone at B of A that is "processing my case" and to pay my modified amount. Sounds like a familiar theme.

BOA decided I did not have homeowners insurance in 2009. My insurance agent kept faxing them proof of insurance and even a letter stating I have never been without homeowners insurance. In 2010, BOA Stole $3,500 and paid a duplicate insurance bill they had authorized. Sometime at the end of 2010 and beginning of 2011, they unlawfully took this money from the mortgage payment. I have always made on time. They then declared I was late 2 months and started foreclosure on my home. I have been working with the President and CEO's office since May of 2011 and their representative told me that she agrees that I did not owe for the BOA insurance policy. She further stated she could do nothing to help me.

BOA reported this incorrect information to the credit bureaus. All my credit card companies lowered my credit line to the existing balance. As accounts were paid, they closed them. I lost $78,000 in credit overnight due to BOA. I am a small business owner and this has damaged my ability to conduct business. They further refused to refinance me because of my bad credit, which the representative of BAO agreed that they had been responsible. BOA will put nothing in writing. I am not sure if I will be able to continue to do business.

Being self employed, if my business fails, I do not qualify for unemployment or any other financial aid. I will be forced to be homeless. This has been reported to the OCC and I am awaiting BOA response. My mortgage is one of the CountryWide issued. It clearly states that all money received shall first go to interest, second to principal, third to late fees and last to unpaid escrow. BOA is in breach of contract and they could care less. They did not even have a copy of the Mortgage before starting the foreclosure. BOA is only leaving me the option of declaring bankruptcy due to their breach of contract.

On August 18th 2011, I contacted Bank of America to cancel the weekly payment plan that I set up. The representative told me that I did not have to submit a mortgage payment until October 2011. About two weeks after this call, I received a check from Bank of America for $349.93 stating that it was an escrow overage.

On October 7th, I received a statement that my September payment was short of $349.93. I contacted them and had the displeasure of speaking with an extremely rude employee who informed me that the September payment was short by that much and I had until the 16th to remit it. I sent the amount electronically only to have BOA send another check with same amount, stating that they did not accept partial payments. This was on the 7th of October. Once again, I contacted BOA and was told by the representative that she would call me back the next day to get the information for the account (my credit union account) to debit the funds. The call never came.

On October 25th, I spoke with another representative, who saw what had happened. She took my credit union routing number and account number, issued me a confirmation number and promised to call me back on October 26th to let me know everything had been resolved.

Today is November 5th, I never got a call and I received in the mail today yet again a check from BOA for $349.93 stating that they do not accept partial payments. I'm sick of the ineptitude and rudeness of the representatives. My credit has taken a hit. Not only do I want this situation resolved immediately, at no cost to me, my mortgage needs to be transferred to another lender right away! I also expect each and every creditor of BOA reports and be sent a letter expressly stating that they are at fault.

I was on the phone yesterday morning with Bank of America for an hour and a half to discuss the fees they arbitrarily put on my mortgage account. I've been trying to resolve this now for over 2 years. I've called; I don't know how many times. I've already filed two consumer complaints against BofA with the AZ State Attorney General. Yesterday's call was a classic.

I made my call and got routed to several people before getting routed to Ann from the Zero Coupon department - whatever that is supposed to be. I wanted to know where the $982 in fees on my account came from and why I should have to pay for it. She told me the fees are from when BofA did several drive by inspections of my home to ensure that it was occupied. She rattled off as many as 5 or 6 dates where BofA supposedly did these drive by inspections. They could have called me at my home phone number to verify if I was occupying the house. So, I asked her why I should pay fees for something they chose to do that I was completely unaware of. She asked me if I could hold for a moment so she could speak with her supervisor. I said okay.

Well, she never actually put me on hold. I could still hear her, though slightly muffled, like she held her phone to her chest. I could hear her turn and say to co-workers, "Wait until you hear this! I have a customer on the line that wants to know why she has to pay the fees for our drive by inspections." Then I heard a bunch of laughter on the phone from several people in the background. Then, Ann got back on the phone with me and told me, "I'm sorry, but after speaking with my manager, there is nothing we can do. We cannot waive those fees."

So then, I confronted Ann and told her that she didn't actually put me on hold and I had heard every word she had just said to her co-workers, and I repeated to her what I heard her say. She started apologizing to me. I started complaining to her about now having heard first-hand how BofA treats their customers. She then said, "Let me transfer you to another department that can help you out."

I got transferred yet again and was put on some sort of hold where all I got was "Please wait". A few moments later, another "Please wait". I was waiting. Then, I got, "Your question is very important to us. Please wait". I waited. Then, I finally got "If you'd like to leave a message for mailbox 6176, please press the pound sign." I pressed the pound sign. Then I heard, "Your message has been sent. Good bye." I hadn't said anything. There was no message and I had no idea what this 6176 mailbox was!

Then, I started over again by calling the number that I originally started with. I got Glen. I went down through the whole situation with him regarding the fees and everything that just happened with Ann. He tells me that there's nothing he can do and that he's going to have to route me to the home retention department. I wondered why I was getting routed to the home retention department. There's no issue with my home retention; I just want those fees adequately explained and hopefully removed. Glen transferred me and I got the menu system of the home retention department. I entered my account number and I was told that Daytiesia ** was my account representative. The system transferred me over to her number (and this has happened numerous times before), and the system said it will transfer me and all I got was Dayteisia's voice mail, saying she will return my call within 1 business day. She never does.

Enough of BofA's diversionary tactics and their devious, fraudulent activities. How can they just put fees on my account without me knowing anything about them or what those fees are for. Ann resorted to trying to explain to me that the fees for drive by inceptions were for my protection! As I see it, it's not for my protection but just another way for BofA to gouge me with fees.

There's more during the conversation about the new fees put on my account supposedly for "drive by inspections" which Ann stated occurred when I wasn't making payments. The dates were just months prior to filing Chapter 7 BK, and Countrywide held the mortgage at that time. It was only after Bank of America acquired Countrywide and after I satisfied a repayment workout plan, an agreement between myself and Countrywide, that BofA put those fees on my account. This occurred the very a month after I made all past due payments and fees documented in contract between me and Countrywide. In the contact agreement for a payment plan to pay back the past due payments plus fees, amounts were explicitly documented in the contract with a statement as the first clause saying no additional fees will be charged without an expressed written agreement signed by both parties.

When I told Ann, the BofA representative, this, she told me that that was a contract between me and Countrywide, not between me and Bank of America, and that Bank of America was under no obligation to honor that contract. I replied, "Wait a minute. You don't want to honor Countrywide's contract which you assumed, but you want to assume collection of fees that BofA is just now, as of yesterday, claiming were charged while Countrywide held my mortgage. She diverted the conversation.

Obviously, BofA does only what suits them and cares nothing about honoring signed contracts. Further, I have a recent letter on October 4th from BofA, saying the fees had been charged by them after my workout repayment plan was satisfied and the fees were charged to reverse foreclosure proceedings, even though my mortgage never actually went into foreclosure. However, yesterday, their story changed, saying the fees were charged for drive by inspections. Well, which is it? It seems BofA is just coming up with any ** story that they can think of to try to charge and collect additional fees from me.

I was told in April of this year that my mortgage account would be transferred to Bank of America. Right then and there, I knew that it was going to be a disaster. I called a friend of mine (that is a former employee of Bank of America) to let her know that my mortgage account was transferred. She immediately told me to make sure I keep all documentations of my payments and do online banking through my bank because BOA has a habit of "losing" people payments.

Sure enough this came true in less than a month. Since I get paid in the middle of the month, I send my mortgage payment in early (before the 1st of the month). In June, BOA sent my home insurance company a check indicating that it was an "over-paid" amount. In turn my insurance company was issuing me a refund check. Before they did this, I received a call from a rep from BOA indicating that it was an error and not to cash the check (the check never made it to my house). I was like okay and continued making my payments.

September, I received a package in the mail about a modification loan offer. I called BOA to see what was going on and they indicated that it was Escrow that went up. I was transferred to the Escrow department (after several hang-ups) and they informed me that my insurance went up. I called my insurance company to see what was going on with it and they were missing a piece of information. I faxed it back to them again and I received a new policy in the mail indicating that my insurance actually was $195 lower than the original amount. I called my home insurance again and informed them to fax all this information to BOA. A few days later, I called BOA to see if everything was adjusted on my account. Unsurprisingly, they said it was something else going on with the account. They sent back my last three payments indicating that it was a "partial payment" and charged me a late fee since June.

It all boiled down to the time in June when they sent my home insurance company an "over-payment" check, they screwed me ever since. I was re-issued a check from my insurance company and I paid BOA all that I had. They are still trying to say that I'm two months behind and my house will be going through Foreclosure status on the 10th of November. This bank is terrible and they are literally trying to ruin everything that I have worked so hard for. They are not admitting fault and they are refusing to reverse any fees that were place on my account. On top of that, they are still saying that my mortgage payment is 240 dollars more a month because of my insurance and Escrow. Now my mortgage payment is too high that I can't afford it. I'm at a lost and don't know what to do.

Where's the help for the people who played the game right? I am my parents' son who have the power of attorney on their behalf. I live in the house in question. My parent applied for a home loan back in November 2005. My parents have a fico score of around 800, which is AAA. For what it takes to get an 800 score is years of doing the right thing, not missing payments for 45 years and is never default on anything. If we had more people who cared on doing the right thing, this world could be a lot different. But it is what it is. The loan broker put them in one of the bad loans. The broker knew these loans will go through especially with an 800 fico. My parents were told that they got the best loan out there. My parents have bought homes before in their life so they know how it works but their other loans were 30 fixed. The broker knew these new loans were going to be approved, so he put them in one. But he did not mention that in a few years, we won't be able to afford the loan because of how the loan was going to end.

Now remember that my parents don't take chances since they have the 800 fico. They do things safe and truthful. Do you think my parents would have still the loan, if they were told that they will have to default on this down the road after 45 years of doing the right thing? No way! We wouldn't be in this mess, neither. They didn't disclose how the loan worked. The broker just said initial here, here and this part, and initial here but never said anything about where they won't be able to afford the house. Okay for now. The house that is in question is where I live in. My parents helped me out by doing a good deed, took out a first on the house they live in. I was in the construction business, my own dirt hauling business, making $8,000 a month in average.

My parents knew that I could make the payments before finding out after a couple of years later that the loan was a negative amortization loan. We owed more on the house than in the beginning. That's the time when all these loans went bad. Due to the bad business and the economy was going bad, so did my job since the construction stopped, I have to lose my family house because of other people not doing their job right. And also that the broker did not disclose to us that we weren't going to be able to afford the loan. My parents could even lose their home because they took money out of their home for this to happen. My mom applied for some credit from Dell to buy a laptop, a $500 or so. She was denied for %500. She said she was embarrassed. They were never denied before.

Now that they have to live differently because of bad business habits from Million Airs, the system is penalizing people who do the right thing? It's so wrong and all these modification say that it has to be their primary house. So here we go again, somebody who plays the game right gets penalized, so wrong. Do we need to talk a little louder so someone will take care of the people who lived honestly and did not lie on loan documents to get things? We want to keep our family home and the kids' school friends. It's not fair for us to have to change everything for someone's mistake. We would like to talk to someone who can help us, one person and not 10 different people to have everything be explained again.

They said that they will get back to us but when somebody calls, it's right back at the beginning. It's like we're doing nothing and the bank will say nobody called them to help us. I don't want to say that banks don't want to help the homeowners to save their homes but it looks like that. They took the bailout money and who's paying that, my parents and I. We file our taxes every year. We're not asking for anything more than the help that's out there. But the house value is around $200,000 and the loans are around $450,000. There's got to be a way to save our home. Any new buyer will pay $200,000. What can be done for us? Can someone take the time to help us? Thank you, hopefully someone will read this and all this wasn't for nothing. Thanks.

My husband & I applied for a HAMP loan in January 2010, which we do qualify for, were lied to 5X concerning lost paperwork. Did certified mail, contacted our congressman, and our state senator for assistance, were eventually denied a modification due to a fictional income which we do not make. We worked through a HUD counselor to no avail.

We still are current on our house, but have cashed in all of our 401ks to attempt to keep our house, as my husband is disabled; however, we would like to join the class action suit from Ohio if you would forward this information to the appropriate lawyers. I have dates and names and an anecdotal record of our experience and would be happy to supply anything that would support the case.

Been going through the modification process since 2008, multiple stall tactics, refused to reduce principle, refused to foreclose twice, refused to accept deed in lieu 3 times, and would not respond to 3 short sale offers. But they keep approving me for modification, and tack all the 3 yr. delinquencies and taxes which make it 300,000 over what the market value of the house is or what I can get on the for sale market.

I had to file bankruptcy in 2011, hoping to gain closure to this housing mess, they will not return phone calls or respond to over 70 letters sent. I sent letter to and modification documents showing they refused any principle reduction, or any short sale offers to MA. Attorney General 3 weeks ago no response as of yet from AG, and Bank of America again refuses the deed in lieu or to reduce any principle even though it is an original Countrywide loan and owned by Bank of America as well. The house has been on the market since 2007, it is worth 450,000 they now say, I owe $800,000.00 principle combined with first and second mortgages all owned by BOA.

I lost my job 2 years ago. Immediately after filing unemployment we contacted Bank of America to let them know and to see if there was any type of assistance. After several months of getting the run-around, we were told that we did indeed qualify for loan modification and that the papers were in the mail. We never received the paperwork, and by the time I started working again part-time, they said I was making too much money and could not get assistance. We were already 7 months behind at that point. Then it moved into foreclosure process. We had an offer for quick sale, but they drag their feet for over 3 months on getting the offer approved and our buyer backed out. We have applied for the Deed in lieu and were denied.

We have another offer on the house now. And after being tossed from department to department tonight for over an hour on the phone, the last person I talked to basically said there is a matrix that says the investor will not agree to anything, even a short sale. When I asked who to file a complaint with because of the service I have received, the guy literally laughed in my ear. Bank of America has the worst customer service I have ever experienced. I also found out tonight that our house is set to be sold next month and we have not even been notified about it. This has been going on for almost 2 years. I can't believe with all the programs that they have that are supposed to help people, but nobody qualifies for. So now I guess our home will be sold at an auction if the investor does not accept this current offer.

Bank of America is charging fees on my mortgage that were not part of the loan documents that were signed as a contract between me and my bank. When they purchased my loan, they cannot charge for things that were not part of the original loan. It would be like me starting to assess a fee for receiving my monthly statement electronically instead of through the mail like it was originally. What could I charge for that "service" to them? It was not part of the original agreement and I would not be able to alter the terms of the contract without a signed modification of the contract by all parties involved.

I bought my house more than five years ago and since then, I have gone to graduate school. I knew I would be late for one payment due to the disbursement timing of my student loans. I called two months in advance to see if there was something I could do. I was advised that I was pre-approved for a mortgage modification program, but wouldn't qualify until I missed two payments.

So, I missed the payment I was going to be late on and, as they suggested, was invited to apply to the program. By the time I was eventually denied for the program, it had been two months and it was the day after they sent my mortgage into foreclosure. I called immediately to get the payoff amount to get it out of foreclosure. After several calls, I was still never sent this amount.

I was then called by another company saying that I may qualify for the HAFA program. After sending them my information and documentation, they approved me for the HAFA program and sent an appraiser to my house. I was never told any of this unless I called, emailed, and basically hounded them.

After calling continuously for two months and hearing nothing, I received a letter saying that, in fact, do not qualify for the program they approved me for two months prior. That is the only communication I have received from them in months, even though I call regularly asking for updates.

At this point, I am six months behind on my mortgage and Bank of America refuses to accept payment on my account. When I called for information, they pass me from department to department. My credit is now ruined due to the late mortgage payments and all because I was trying to be responsible and call months in advance of being late on a payment and listening to what they instructed me to do. This will potentially impact my ability to get license in my field of study or to get a job at all.

I had been unable to sell my home in 2009 due to it needing $30,000 worth of basement work which I could not afford to fix myself. I asked BOA to do a deed-in-lieu of foreclosure and was told I needed to have the house on the market for at least another 60 days, which I did. It was very hard to find interested buyers and the first offer received no response from BOA for 3 mos and decided to walk. Another potential buyer whose offer had been accepted walked after the home inspection. The house had been listed "as is" so there was nothing that was not disclosed, they just got cold feet because of the amount work needed on the home.

The real story has been this last offer on the home, which had been pending from 4-8-11 until 10-26-11. At this point, all short-sales with BOA were going through the HAFA program, which I qualified for on 6-1-11. I had since moved out and into an apartment because my daughter contracted pneumonia in Feb 2010 and had a difficult time recuperating. I knew that the dampness and molds from the basement were not helping the situation.

So, the most recent potential buyer got sick and tired of waiting for her offer to accepted and finally walked after over 6 mos of Loan Resolutions not coming up with a closing date and accepted offer. The real nightmare was that my file got lost so many times and was handled by so many different people who never returned phone calls or e-mails or really answered any questions.

The bank also started foreclosure while there was still an active (supposedly) offer. The craziest thing was that no less than 5 minutes after my real estate agent notified the bank that the buyer had finally got fed up and walked, she received a call from LRC stating that the buyer couldn't walk because her offer had been accepted. My agent and I did not believe them because we had already been told a supposed closing date at least 3 or 4 times in the previous months; end of July, early Sept, mid-Sept, Nov 18th; that we demanded something in writing which we did not get until the next day when the buyer walking was already a done deal.

I have called the deed-in-lieu dept again a BOA and told them I am completely fed-up and burned out with trying to get any kind of short-sale with them. I was told that the short-sale was still active in the system (3 days after paperwork was sent) and that we have to wait for LRC to update the system.

I do not believe the "Loans Resolutions" is a good name for the operation that I had to deal with. Nothing ever got resolved. My file kept going from one person to another. We had numerous supposedly projected closing dates, as I stated, starting from end of July, to Sept 1st, to Sept 18, to Nov 18th. the final project closing date was 12-10-11, but who knows if that ever would have happened? I do not blame the buyer for walking; she wanted to buy a home, not be living in my nightmare with me. I don't know if I will get the deed-in-lieu that I first asked for. BOA seems intent on *** everyone over.

Like many people today, my family has been hit hard with the economic downturn. My wife has been out of work for more than a year, and it is hard to get the mortgage paid in the allotted payment schedule, but we manage somehow. Here is how Bank of America manages. They call my phone every day (sometimes three to four times a day) until the payment is made. If I make the payment anywhere near the end of the month, they will delay the entry into the bank until the next month. I assume that it is to reduce my credit score, and make it look like I didn't pay within the payment schedule of the month. They charge a $50 late fee and a $10 fee just to pay online (not even talking to a person). If you are looking for a good mortgage company, do not use this one. They will use any way they can to make your life hell.

They do not get a star at all. Today, I have started calling every senator in the Capital Building. There is a call list on line. If everyone calls these senators every day as I am, we, together as a group, may get something done about the dishonest Bank of America.

They are foreclosing on me, even though they admitted that they acknowledge that the broker committed fraud on my paperwork. They have called and left fictitious return numbers, they call at night and hang up. We need to call the White House and complain. Vice President Biden's # is 202-224-2424. Call that number and complain everyday. I have been on the phone all day, I have been hung up on, put on hold and forgotten, been rudely spoken to, and one individual even told me I just wasted my breath and time. Not a chance, calls will resume on Monday. Join me in the crusade against Bank of America.

On September 23, 2011, BofA and I locked the rate for the loan to buy a foreclosed home in Hemet, CA, they knew I was working in San Diego and the property was located in Hemet. I was going to live in it and commute to SD since the house cost only $79,000.00 with a down payment of $30,000.00. My payment would have been very low; the loan officer told me it takes 10 days for them to make a decision; 10 days went by with no answer if it was approved or not until 10/24/11 when they said it was declined because they thought I was not going to live in that house; meanwhile, I was charge for the appraisal $470.00 which they said they cannot refund. I took them 31 days to tell me the loan was declined and I'm out $470.00. While talking to both of them there was no courtesy at all.

I submitted the documents requested for the initial HAMP application to Bank of America on April 18, 2011 and provided documents requested by Bank of America in follow up on April 25 and April 26, 2011. These documents were submitted by fax. I received a denial for this application on June 1, 2011 stating Bank of America denied for HAMP due to missing documents. Additionally, I re-submitted the same documents requested by Bank of America on May 9, June 8, June 10, and June 24, 2011 by fax.

I filed an appeal on June 3, 2011, which was found invalid by Bank of America. On June 8, 2011, I filed a second appeal with Bank of America customer service representative, Lislette, because Lislette was able to confirm in the system that the requested documents had been received in time. This appeal was again denied due to the same missing documents. On June 16, 2011, I filed a third appeal with Bank of America customer service representative, Justin **, who said the previous appeal from June 3 had not been filed properly by Bank of America. Justin was able to locate the missing documents and ensured me he would file a detailed appeal. On June 22, 2011, this appeal was denied.

On the same day, Bank of America customer service representative, Lisa ** was able to confirm the missing documents had been received as of April 18, 2011 and ensured me she would file an escalation on this matter. I found out in September 2011, that this escalation was rejected. On September 9, 2011, Bank of America negotiator, Monica **, and her supervisor Antoine, filed an escalated appeal regarding the previous invalidated appeal because they were able to confirm with Lisa ** that all requested documents had been received by April 18, 2011.

On October 6, 2011, this escalation was denied because it was not filed within 30 days of the decline date of June 1, 2011. This denial does not address the request presented in the appeal as I had requested that the previous invalidated appeal would be reviewed again based on the evidence submitted by Monica ** and Antoine. All documents were submitted in a timely fashion, was acknowledged by Bank of America several times, but they still are rejecting this application based on these same "missing documents."

I have been trying to get a loan modification since 11-2009. I purchased in the height of the mortgage bubble in 2007. I used 25 years of equity as my down payment. My family has been put through psychological hell since the day I signed those interest only loan documents. I had no clarity in lending. I was told that I would be able to re-finance within six months with no worries. What a joke! B of A is the worst company on the planet. They have treated me like a rat by just keep on dangling the cheese saying that they're here to help my family stay in our home. I have been denied many times for so many vague reasons, like missing documents. That was not true. I provided the bank with everything but my family's DNA. Customer service is sub-par to non existent.

After four hours of the run around, I finally had to drive to my local bank branch. They were once again clueless and could not answer any of my questions why all my negotiators could never return my phone calls. Here are all my point of contacts Sue **, Elaine **, Calvin **, William **, Kelly **, Pierre **, David **, and Matthew **. Yet, they never are available, how convenient. They have also had my income information entered in the computer system incorrectly since January 2011, while I was continually told my file was in underwriting and that once they found my application, which was provided on several occasions.

I had fallen severely behind in my mortgage payments. I contacted Countrywide Home Loans about a modification program. I submitted all docs and was told time and time again it was "in review". During this time my loan was turned over to BOA. I began the same process with them and re-submitted all docs. Again, I was told that it was "in review". After 2 months, I was told to re-submit the same basic information. I was also instructed to not attempt to make any payments on the home at that time due to putting myself into a "hardship" scenario.

I continued re-submitting the same items on 4 different occasions with no results. I then started working with a broker on a short sale. We started this process in April 2011. We had a cash buyer for the property. I submitted all required paperwork that they requested and they had it within 24 hours of their request. We were tentatively scheduled to close in September.

The broker continued to ask me for docs to provide to BOA. I complied very quickly. I was told last Thursday at 1:00PM that BOA needed a letter that indicated that my name was spelled incorrectly on the purchase agreement. After that we were good to go with the closing. Again, I complied and they had their letter within an hour of the request. At 3:00PM that same day, I was contacted by the broker indicating that BOA said that they house was scheduled for sheriffs' auction the next morning. I was never notified of a sale date to foreclose. This was a complete surprise to me and the broker. The broker attempted to delay the sale but could not get a response back from anyone at BOA.

My house was sold at auction the next day. 2 business days later I received a letter electronically from BOA indicating that the short sale was denied due to not having a selling contract in place 14 days prior to the auction sale date. Maybe my math is off, but we started this process in late April of 2011 and the house went up for auction on October 21, 2011. That is more than 14 days. The letter went on to read that I have options: loan modification or deed in lieu of foreclosure. How can the suggest that when it was auctioned off without more than a days notice? The brokers that I was working with suggested that I contact an attorney. They had never ever seen this happen before. My credit is beyond repair and I lost the house. Perhaps a class action lawsuit may get their attention on their unfair business practices. What recourse do I have?

I hated having to give them a single star! In August 2011, I contacted BOA because I was concerned that I was going to be late on my mortgage payment coming up in September. I was told that the options that were available didn't apply to me because I wasn't late yet. Despite my attempts to explain that being late and the subsequent negative credit reporting was what I was trying to avoid, they connected me to the default prevention group. Again, I didn't qualify because I wasn't late and didn't occupy the property (it had been on the market for four months at that time). The default prevention group connected me to REDC on September 5th. They asked for extensive financial documentation of my hardship and my inability to pay. REDC told me it would be five to ten days to get approval, and to "do nothing" in the meantime because the DIL would erase the late payment once approved.

I heard nothing during the 10-day timeframe and began emailing and calling them on a daily basis. No one returned my calls or emails until October 10th, when I was informed that the DIL was denied. By then, my September payment was late. BOA reported my late payment to the credit agencies and my score plummeted 60 to 75 points, depending on the agency. I contacted BOA's Executive Committee Division - they don't accept emails - and explained that the payment was late because of their agent's (REDC group) instruction to "do nothing" during the DIL process. The Executive Committee Division notified me today that the negative reporting is going to stand, that it was my decision to be late with the payment and therefore, I had to suffer the consequences.

Despite being extremely rude, Lisa "investigated" what appeared to be my email messages to them through BOA and never investigated the communication with the REDC group. My mortgage with them was always paid on time, the house has been sold, and BOA paid off. How would it hurt them to reverse a negative report to the credit agencies when they've gotten their money, and the only late payment was the result of their instruction? No wonder people are marching in the streets. Now there's a 60 to 75 point drop in my otherwise excellent credit score. An attorney told me that I could pursue the bank for "defamation of character" by reporting the late payment and the adverse effect it has on my credit score. Who has the money to pay an attorney to do this when we're struggling to keep our homes? Shame on BOA!

First of all, I am not behind in my mortgage payment and I have payed my payments on time. My complaint is that no matter who you talk with at Bank of America customer service, the standard answer is, "I don't know why someone told you that, it's wrong! " and then you are given an answer that is a complete opposite of the first. If you can't believe anything that your told from one phone to another, what am I to believe? No wonder Bank of America is in such financial trouble, one hand doesn't know what the other is doing.

I recently reduced my insurance payment by almost 50%. I was told that my payment would be reduced within the next two months. Now, three and a half months later, I am told that my payments won't be reduced until maybe at the end of January or February 2012.

If I conducted business like Bank of America, I would not be able to stay in business either. But in my case, the government would not be willing to bail me out. Maybe the government needs to allow poorly run companies like Bank of America to suffer from their own bad and poorly operated business. Oh, by the way, my original mortgage was not with Bank of America and I would never recommend them to anyone.

I have been behind on the mortgage to my house. Then, I got an important notice from the bank saying that I was in a Chapter 13 Bankruptcy. I was advised not to send payments until or unless the court tells me and to follow anything the court tells me. I waited to hear from the court. Then the bank posted on my house that there was a sale on October 25, 2011 .

I called and they said I should call the Department of Housing and Urban Development (HUD), which I did. HUD sent me to a company named Clear Point. We decided to start a short sale. They were on the phone with me and the bank to start this. I got a broker and he did what he was supposed to do and asked for the date to be moved back.

Well! I never filled for bankruptcy I went to the federal building in Sacramento and they researched back 20 years and confirmed that I was correct. They gave me a certificate of search. Here I thought the bank had instigated this Chapter 13 thing. However, what happened was that another person with almost the same name but different Social Security number did and they mistook it for me. My question is do I have any recourse?

I have owned my home for just over two years and have been paying $650 per month for those two years; every month, I check my account to make sure I have the funds and make sure the money came out. Fed-Ex delivered me a package on Saturday and as I am expecting to deliver a baby within the next week, I excitedly opened it because I thought it was something for her. It wasn't. It was a packet including an application and a checklist of documents to track down in order to avoid foreclosure and consider options to remain in my house. I was baffled.

As it turns out, my monthly mortgage payment jumped from $650 per month ($623) to $902 per month and apparently September's payment was mailed back to me because it was less than the full amount. $902? Payment returned to me? So I spent almost my entire work day trying to figure out what to do because I am a new homeowner and never anticipated this would happen. I called the NCCI business first (an agency that Bank of America contracts out with to offer loan modifications) and after speaking with "Luis," he urged me to contact Bank of America first to work with them because I would be having a baby over the next 1-8 days (a representative was supposed to come over within the next 7-10 days at a random time from a few days before Saturday's date). Luis gave me the phone number to call and I did. The automated phone message gave a series of options to pay or make known of a payment that would be made. I hung up as there were no options to speak with a representative.

I looked on my statement and called the number in bold; it was a different number but I received the same phone tree. I read the smaller print and found where it said to call a counselor/representative to call this other number. I called it and got the same tree. No option to talk to a representative. So, I said "Representative" and the automated voice said, "I think you asked to speak with a representative, but there's usually a wait." And then proceeded to talk about setting up a "promise to pay" schedule; which basically puts you back to the beginning where you can check on your balance, make a payment, or set up a payment. So I stopped responding to the questions the automated voice was asking. The automated voice apologized for not being able to understand or help me and I was transferred to a representative, but not the representative I wanted. This one asked the same questions that the automated voice did, but this one seemed more unsympathetic with my situation. She told me that I was $1,990 in arrears and that had to be paid immediately and in full. There were no options. I could not speak with a supervisor because I would be told the same thing. These were the guidelines. (I went to college, guidelines are not law, they are there to guide but are not the be all end all rules). So I told her that I set it up through my bank to pay $655 on the first of the month and $655 on the 15th; which would take care of my mortgage for the month and I could apply the extra towards my arrears. She said that they would just send all that money back to me. They do not accept partial payments.

A few of my co-workers divide their mortgages to come out of each check, so I know that it is possible. This representative even told me that she has seen much larger mortgage payments get returned for being thirty cents short! She said that the $1,990 that I owe for September and October combined includes a $114 late fee. The last I knew my mortgage was $650 and I was paying more than the amount due thinking that any extra would go towards the principal. Now, my payments have gone up $250 per month and I'm being assessed astronomical late fees and I'm not even being given a chance to get my credit right. And yes, here it is October 25th and I already have on my credit report a missing mortgage payment from SEPTEMBER because they sent it back to me and wouldn't take it. At this point, I did learn that my escrow account was in the negative (my school taxes just got paid because I received the receipt). I am going out on maternity leave at half pay over the next week or so and will still be expected to pay this high mortgage payment of $902 when I will only bring in $1300 for the entire month.

Many people don't even bring in that much money. For $902 I imagine that I would be living in a ritzy area with high taxes, but that is not so. I live in a run-down house with run-down houses all around me. As a matter of fact, my friend who does live in the ritzy section of town has a lower mortgage payment than I do AND she pays it bi-weekly! I was told by this same representative that if I owed $902 and I paid $950, that they would send me to difference in a check and would not apply it to my principal. When I originally got this loan, it was through M & T Bank. Apparently, Bank of America took that bank over because when I asked her how long Bank of America has been servicing my loan, she told me the same date that I closed on my house.

Now, I am looking at having to take money out from my retirement fund, which there is barely enough in there to cover what I owe this bank. It is completely unfair what is going on. Because it brought my credit score way down, my hometown bank won't purchase the loan from them (which I didn't know I could have done months ago, but then again, I didn't realize I was having problems until this past weekend) so I can't refinance and get it lowered yet. When I call my credit union, I get a real person every time. I get their direct extensions. I tell my woes and they relate to me and make me feel as if I matter. To them I am a person, not a dollar amount. I would rather give my money to them for their customer service skills rather than to Bank of America. The credit union is at least making me feel as if they want to work with me. I should have been an expert in home ownership before becoming a home owner. Nobody told me that my mortgage would go up like this. Nobody told me that I would not be able to afford to live in a house that has one outlet in each room, hardly any insulation upstairs, and has not been updated ever! I owe $66,000 on this mortgage, but the house is really only worth about $40-45,000. I do not live my life throwing money around. I do not have cable television, I do not have an iPhone, I don't party, etc.

I started a Bank of America mortgage on 9/2/2011 and they promised to close 9/28/2011 with a sure approval. They delayed it until 11/25/2011 even after the underwriter signed off last Thursday. They never kept their promise nor updated the status. They just keep saying that many of Bank of America loan officers were laid off so they do not have enough resource to proceed with my loan.

I do not recommend the Bank of America mortgage nowadays due to the lack of loan resource. Is there a way to claim the fee and time which I spent with Bank of America? They all agree this is not my fault but a Bank of America resource issue. Thanks.

I called BOA to ask if we could refinance our home during a time when our income was not sufficient to make our payments. We were told that the system was not yet in place and someone would call back. After this, we called again and again, no response. We continued to make our payments. A year later, we called a final time asked about our options to help us and then a week later we were sold off to Greentree. Funny how quickly they dumped us when they got our call.

I am selling my house and the buyer applied to BoA for a loan. We are now two weeks beyond the closing date and the bank refuses to give us any information whatsoever regarding the status of the loan or a closing date. Additionally, they do not return calls or respond to emails. In that, there was a continuous closing on a house we had a bid on, we lost our earnest money and the house. The bank personnel are inept, non-responsive and indifferent. BoA does stand for Bank of America, but rather Bank of **.

Prolong the Shortsale process it has been over 9 month and no response from BAC short sale department. They made me lose one buyer and on the verge of lose second buyer for my property.

I am another person who had his mortgage sold to Bank of America against my wishes. I am also one who did an electronic transfer of my payment, and BofA waited two weeks to send my check back, saying that I was short $9.00, because they had changed my payment. Now they want an additional $60, because I am past the due date. Is there nothing that can be done to stop this practice? The lady on the phone was very rude and kept interrupting while I was trying to explain my problem.

My husband and I began the home loan modification process in 8/2011. They requested multiple documents which we sent in. Maria ** was the lady handling our modification and we were never able to speak to her personally, she would only call my husband even though I am on the loan as well. In the beginning of October more documents were requested and a deadline of 10/14/11 was set by her to receive them by. I sent back the documents via FedEx overnight on 10/11/11. I called on 10/13/11 to confirm receipt of documents and they said they did receive them on 10/12/11 and they would email Maria ** providing her info of where the documents were located.

The following week, we still have not heard back from them so I decided to call and check the status of our request for modification. The lady I spoke to said our request was denied due to documents not received and that we would have to request an appeal to the denial. I was also informed that we can only move forward with the modification process if the appeal team says yes and if they say no, we cannot attempt the same type of modification and have to try something different. This is all because of Maria **'s negligence of not looking in the correct location for our paperwork that was received before the deadline as confirmed by Bank of America. How is this fair? The incompetency of Maria ** may keep us from saving our home. How can this be possible, why aren't these people being held accountable? It seams like nobody has any authority to do anything.

This company is horrible and almost cost me my family and marriage! After countless letters, phone calls, and threats of foreclosure, BOA had me believing that my husband was not paying our house payment and that we were 5 to 7months behind. In all actuality, my husband would pay online, but they would not credit the payment for 2-3 weeks and then insist on those insulting late charges. When the amount my husband originally sent did not cover the mortgage plus the fabricated late charges that they knowingly dragged their feet on processing the payment, they called it a "partial payment" and would not accept it. By the time they sent our money back, another month had already passed and they would tack on more late charges.

So, after a few months of never having a correct total owed of months of mortgage payments and false late charges, they would only accept all of the months due with their false late charges. Once, they even sent us a check back because it was $30.00 off of what they said our payment was. How can they get away with this? It appears that they are doing this to thousands of people. Who does BOA have to answer to? Please help.

My rate of the experience is less than zero. My daughter and her boyfriend purchased a home and Bank of America took over their loan from the original company. My daughter and her boyfriend are no longer together, and I have moved in with her to help pay for the house. BOA said that they were 4 payments behind.

I made payments and sent in extra money and cashed in 401k to bring the loan to current. They told me I needed to send $5,300.00, and I did and started making monthly payments, but they are sending them back, stating we are behind 10 payments because they would not apply the money I sent towards the loan and stating that they raised their payment from $730 a month to $950 a month. They also stated that they would start foreclosing procedures. We need some help or guidance please.

This attached letter explains what this company has done to us!

This letter is meant to follow the Hardship Letter we submitted on 10/10/2011. Daemian ** has become our main contact of Bank of America soon after being denied a loan modification. I felt the need to express how disgusted I am over this whole situation. I am very disappointed with Daemian and feel he uses scare tactics and says one thing and then threatens with another. I have decided to borrow money and sell home items to resolve the debt because Daemian said we would not qualify for the forbearance. The purpose of the Hardship Letter was to begin the process of a forbearance program in which Daemian said would be the best option for us since we did not have the past 6 months of past due mortgage. We received that information from him on 10/7/11.

I then typed up the Hardship letter in hopes of the forbearance program, which on 10/17/11 Daemian said would not be possible because our income was too high. I'm not sure why he didn't even submit us for that if we truly would have benefited from that program. On 10/17/11, he said we would go into pre foreclosure and the only option we had was to pay every dollar owed up on 10/31/11; no partial payments would be accepted. I felt hopeless. I couldn't believe we had no other way out at that time. I had received pay and was willing to work on a payment plan, but he said no. He suggested a short sale which I am not interested in. At this time, I have borrowed money from family and sold all home decor and furniture to make this deadline on 10/31/11 to avoid foreclosure.

I want you to know that at an 8.75% interest rate, I have tried to refinance and modify and was denied. The only other option I was asking for was a forbearance of 6 months since I'm not allowed any other options. The holidays are coming up and we are in a very bad position and won't be able to celebrate. You have definitely hurt me and my family. Beyond that, money will be so tight that we are on a $100 food budget for the next 2 months. This is humiliating.

My intentions were never to stop paying. I just fell behind for illness, daily debt, and because of course of this outrageous interest that has quickly exhausted our savings. We have exhausted every penny. The 2 months I was laid off in 2010 only set me back further. At that time, I approached you for help, and once again, you denied me for a loan modification.

The purpose of this letter is to demand some type of relief like mentioned in your numerous letters addressed to me. The enclosed envelope has a copy of every letter. Please reconsider working with us on a forbearance to give us some time to recuperate or working on a better interest rate would also be of great help.

I hope this letter reaches someone that can help us through these very hard times. The enclosed letters all offered me other ways out, which I feel were never offered. Bank of America never tried to help.

I wish there was an option for a negative rating, because that is what their customer service department and new policies deserve. I am not a Bank of America Customer and I was forced, when my home mortgage was sold from Countrywide, to them. To say that they are less than helpful is an understatement. When I went through a divorce, I became a month behind on my payment. When I could, I sent in 1/4 of my behind balance along with my regular payment. The next month, I did the same thing, thinking that I was catching up. The next month, I received a check from Bank of America with the amount I overpaid and a notice that they were expediting foreclosure proceedings for nonpayment. When I called Bank of America, I was told that they no longer accepted partial payments and I could pay the full amount plus fees and interest or they were going to continue with foreclosure proceedings.

I asked to speak with a supervisor, who informed me that they have a program for people who want to make partial payments to catch up and she took a ton of information and time and then informed me that I did not qualify for the partial payment program and I would have to pay the full amount. When I stated that I had already sent in a half payment and needed just two more months to catch up, I was informed that they would not allow for me to do that. I owe them money and I want to pay what I owe each month and catch up what is behind, and they will not allow that and have informed me that it is easier for them to foreclose on my home.

My loan is currently two months behind because, when I made the full payment that was listed on my payment form, they applied that towards the past due amount, which had fees, and since it was not the full amount, they returned the payment to me and charged me another month of late fees. They have started foreclosure proceedings on my home, where I live with my two young.

I have called regularly because I want to keep my home, I can make the regular payment and a little extra each month to catch up. We live paycheck to paycheck and my home is important to me. According to them, I do not qualify for a repayment program and they will not accept a partial payment.

It sounds ludicrous, but Bank of America reported they returned my mortgage payment because it was .31 cents short. I made an online mortgage payment to Bank of America (BOA). The payment was processed, and the funds were removed from my checking account the next day. After five days, I checked the mortgage account online, and the payment was not posted. I called BOA, and a BOA represented indicated that they had not received a payment for the month. After reviewing my account, the representative indicated that BOA returned the funds to me, by mail, because the bank does not accept partial payments as outlined by new FHA guidelines issued on July 2011.

I indicated that I did not submit a partial payment, if anything; the change amount was transposed in error. Still, the representative indicated BOA would not accept the payment, even if it was one cent short. Now I am required to pay a late fee, and stand in jeopardy of having my account reported to the credit bureau while I wait for the check BOA supposedly put in the mail. I have been a dissatisfied customer of Bank of American (BOA) since they brought my mortgage account a few years ago. My payments have not been late, and I usually pay extra towards my escrow. However, Bank of America continues to change my mortgage payment every year, and attach analyses that are inflated. When I dispute their calculation, they charge the miscalculations to computer errors. It is a disgrace for Bank of American to use these tactics to rob its customers like this.

BOA drafted a double mortgage payment. It has been over a week, a dozen phone calls totaling more than three hours of speaking with 'managers' about their approval process, and I have yet to have have the funds returned to my account because I don't choose to bank with BOA--and this is exactly the reason! I have closed all personal accounts and unfortunately, due to the crumbling housing market, I cannot bring my mortgage to another institution so I'm stuck dealing with the piss poor customer service of BOA. This experience resulted to mental anguish, overdraft fees, frustration, loss of wages and time that I will never get back.

I paid my mortgage online trough Bank of America payment service on 10-02-2011. The bank finished the transfer of the money 14 days later when it was too late for the payment to be made. They also charged me the late fee because of that. In every given moment, I have more than enough money in my bank account to cover the mortgage payment. The bank did hold the payment at purpose just to make my payment late.

I received a call from Bank of America's collections department informing me that my monthly payment had not been received. I checked my online bill pay and saw that the payment had been sent as expected and that Bank of America had received the money. The collections department then informed me that my mortgage payment had changed, and that it should have been reflected on my previous statement. I had my previous statement in hand which did not show any change in mortgage amount.

They then told me that although the initial payment had been made on the 1st of the month, they had waited until the 17th of the month to return my payment via snail mailed check, then called me on the 19th to tell me that they were sending me to collections. They then assessed a $100 fee that I've been unable to recoup. They claim that they informed me of the change, even though I have faxed them copies of the statements that indicate otherwise. They are unwilling to work with me to refund the late fee.

As one of the previous people noted, it's not the amount--it's the principle. The thought that they would change my mortgage amount (on a fixed rate loan, no less) without informing me in any way, then accept my payment and hold it for over two weeks before mailing it back, and then call me immediately after having moved my account to collections is an underhanded, shady business practice. Bank of America needs to be dismantled. They are a greedy, juggernaut of a bank that stole money from our pockets during the government bailout and has used it to continually destroy the things that we have worked our lives to create.

After speaking with my husband today, it is to my understanding that our file is still with the underwriter. This marks over three weeks of being on an underwriter's desk. I will not go into details as to our interesting, yet horrible experience with BOA, especially as first time home buyers. However, after speaking with Shaun ** this past Saturday, we were under the impression that our loan would officially close on 19 Oct 11. But due to our experience with BOA, we took it upon ourselves to give the later date of 21 Oct 11.

As of today, 17 Oct 11, the latest news that we received was "as long as the underwriter closes our file out on her end by Wednesday, then we are good." We have been working with BOA and awaiting an official closing date since 21 Sept 11. Right now, our living situation is very uneasy and all of this is due to the faults of Bank of America. Since we cannot seem to receive an official, definite, concrete closing date of 21 Oct 11, BOA leaves us no other choice than to request all earnest money that we have had held up on a loan that seems to have more complications on BOA's part. We will have no other choice than to seek another lender who is capable of delivering and providing the customer service and satisfaction that we deserve as first time home buyers.

Please note that this is not an email of anger, but it is one of concern, one that seeks immediate attention and one that requires more concrete answers. Please confirm by tomorrow, 18 Oct 11 by COB that we, Michael ** and Aisha **, will close on our home officially on 21 Oct 11. As of right now, we also have our items set to be delivered to a home that isn't ours. If you cannot guarantee our closing date, please let us know sooner because we cannot and will not waste anymore of our time with BOA. If you don't have a clue as to when we will close, then your actions justify our reasoning in seeking other avenues. And it will be understood that we will again receive all earnest money and your advertised assistance with closing costs.

If you have any questions or concerns, please give me a call at any time at **. I would prefer to speak with someone regarding this matter. There is no need to email a response unless it's a definite email regarding our closing date this Friday.

I called Bank of America in July. I was aware that I was 5 months behind in payments and had 3 months of payments. Bank of America refused the payments and told me they need the full amount. I was told at the time it was 5 months past due. When I asked for the full amount, they told me to call back in a couple of days and they would have the interest and penalties added in. And they said that it would have to be faxed or mailed to me. When I called back in a couple of days later and the paperwork sent out to me, they had added 2 more months. They said that I was 7 months behind. I was told that I would qualify for a Fannie Mae Modification and the process began.

I later met with a HUD agency in August. They confirmed by Bank of America's own credit reports that I was 5 months behind in payments, not 7 months. I met with Bank of America in September when they did a tour of America, working with distressed homeowners. The rep was in the process of doing a modification when I was told: "Wow, you have a lot of equity in your home. You owe $138,000 and it's valued at $218,000." From that point forward, I was told that he could not help me and my file would be sent back to the boiler room.

That weekend, I received a letter from Bank of America. It stated that I had been turned down for the modification because they didn't receive all the paperwork. The letter stated that I was not being allowed to do a short sale and I had till October to sign a deed in lieu. When I called Bank of America, I was told that I had already signed a deed in lieu and the date it was signed. When I asked for a copy, the customer service rep said that they would not be able to send me any documentation. When I told him I had a letter requesting I sign by October, he became quiet and placed me on hold. From that point, another rep came on and said, "You didn't sign, but we will put in your file that you are not interested."

We also have a horrible situation with Bank of America. They do deserve less than a 0 rating. We have had our mortgage loan with Bank of America (originally Countrywide) since 2005. We have an adjustable interest rate and tried to get a fixed rate back in 2009. Of course, with the decrease in home values, we were denied the option of refinancing. So, we were told to look into a loan modification. We made a few phone calls to BOA and never signed a thing. We were making our house payments on time but were worried about interest rates going up. So, we started researching loan modification.

In September of 2009, our payments started to disappear! We would make our payments to our loan. BOA was taking our payments and putting them in a holding account and not applying them to our mortgage. We were told that this was to make us look behind and to look like we were struggling. Again, they did this without our permission. We fought to get our payments released and applied to our mortgage. We too got 4 to 5 calls a day saying we weren't paying our mortgage payments. We would then call BOA and they would finally find our money and then "say" they would apply it. Most of the time, they never followed through.

So in December of 2009, we took in one of many loan modification packets sent to us, to a branch here in St. Louis. We went over the packet with a loan officer front and back. They recommended that we definitely take the offer. So, we got all of our paperwork together and got it notarized and sent it in. Well, guess what? They showed they received it and then it got lost! So then, we never got a fixed rate and then we still had payments disappearing. We continued to make our home loan payments on time each month. We finally got BOA to stop putting our payments into a separate account. They continued to have us in the home retention program, even though we never did a loan modification. Because there were late fees on the "missing" payments, they then sent one of my payments back to me, saying it was only a partial payment. It was only partial because they used it on fees. So then, late fees started to pile up.

In Sept. of 2011, they refused to take our payments because our home was in foreclosure! My payments were sent back to me and denied because they weren't the full amount due. We were in foreclosure unless we agreed to pay three house payments at once plus attorney fees! We have never seen anything like this. We paid our payments and still, we were put into foreclosure! BOA people knocked on our neighbors' doors confirming that we still lived in the home.

I too have spoken with BOA more than a thousand times in two years and have stacks and stacks of paperwork from them. We too would call in and get transferred and disconnected several times a week. No one gave me the same story each week. Nobody documented my phone calls. I had to start over from square one every time I called in. We too need help. We had excellent credit before all of this. We just make our bills each month. For BOA to try and take someone's home that is trying to pay their house payments is absolutely crazy. BOA is out of control and ruining people's lives. Please help!

In October of 2010, I began the process of a loan modification with BOA. Time after time, they asked for copies of documents that I faxed to them at a cost to myself. I would wait and call and wait and call for eight months. Then in April of 2011, we received a letter stating that they would not be able to help us. We had paid our payment every month by the grace period and our credit was still in excellent standing. We went without a lot of things (including groceries). I had been unemployed for two years and my husband had been disabled in 2005. We depleted our savings and my husband's retirement account to make the payments.

In 2007, we refinanced with Countrywide Bank because BOA would post our payments incorrectly. Only to have BOA buy out Countrywide. When you call and speak with an associate at BOA, they all sound "really happy" (not) to be working (they should be happy they have a job, unlike some of us). No one throughout the whole ordeal could tell me that the loan modification program was not for loans of Fannie Mae, for which our loan was a Fannie Mae (I found this out after doing some digging of my own). I only had $1000 for my September payment and BOA would not accept it allowing me to pay the rest (including the late fee) as I was paid by my employer. I was told it would be returned to me.

My payment was in earnest and BOA would not accept it. On September 22, I tried to pay by CC (which BOA will also not accept). So I tried to use a check against my CC using the routing number and account number from the check. I received an authorization number. On October 4th, I received a letter stating that my payment through my CC was rejected and that BOA had filed us with the credit bureau as a late payment. It took 7 days for this letter to reach me, not giving me enough time to send a check payment over night express. Thank you BOA for kicking a family when they needed you the most. I'm ready to throw my house to the curb and let the street sweeper clean it up there. BOA has the lowest rating with me.

On 2 Oct 11, I received not one, but three phone calls from Bank of America telling me that my mortgage payment was late--it was due on 1 Oct 11. I went on to tell them that I would have a direct withdrawal on my account the very next day. I was told to get some financial help and to consider a part time job! Really? People, what do you do to people who are months behind? I can only imagine. I am looking into refinancing just to get away from Bank of America. Their name is an embarrassment to the U.S.A.

We had trouble paying this house payment due to lay offs and reduced hours at work. We got behind and was told by BOA that we qualified for a modification. So, I have faxed them all of the info at least 10 times. They kept closing the review because they can't get a hold of me. I have told them to call me during the day because I work evenings. But they continue to call about an hour after I go to work. I am still waiting for the modification. It has been 11 months since I first called them for help. I never can speak to the same person twice. And you have to start all over explaining from the beginning. In one phone conversation with Bank of America, I got transferred 8 times to 8 different people and had to explain the situation to each. I still never got any help.

I applied for an MHA modification in June 2010. I faxed and FedExed in documents on 8/3/10. On 8/15/10, I received a letter from BOA that all documents had been received and the case was under review. One month later, I contacted BOA. I was informed that it sometimes takes 6 months for a modification to be completed. Every 2 months, I could contact BOA and was informed that my modification was still under review. As of 6/1/11, yes, 1 year later, my case was still supposed to be under review. The rep informed me that the longer the modification takes, the better my chances are. In August 2011, I received a letter stating that my home was going into foreclosure, even though I had been told that my case was still under review. My local BOA president contacted BOA mortgages and they could not give her any answers. If the BOA president of a local branch can't be given answer, then what?!

I am a Countrywide customer, that as we know went bankrupt in 2007. After I took out my mortgage, I had a bad illegal LIBOR loan. BAC supposedly bought my loan. However, they have no paperwork on my loan. I requested my documents over 3 times from the BAC in the past 4 years with a QWR. And until today, I have nothing. So, if they don't own my loan or can't prove it, I want them to repair my credit they destroyed by notifying the credit companies without the paperwork on my loan to do so. And I want it done immediately.

I, too, am under review for BOA mortgage loan modification. I keep calling every few days, and I have gotten no real answer. I keep being put off. I am 67 years old with loss of income. I need some answers.

I applied for a loan modification in early January, 2011 to make my home more affordable. By April 2011, I was declined for that modification and was told there was in house modification that I could apply for in which Bank of America mailed out a pre-paid FedEx envelope for required documents they needed for me to submit. I have since then mailed all required documents numerous times with the same information over and over again and I had spoken to several different people regarding my account.

Bank of America is now assigning account managers to each loan and every time I call about my account they transfer me to my account manager who never returns my phone calls or responds to my emails so therefore I don't know what's going on with my loan modification. Then I got a letter in the mail saying I was declined because I was missing my 2009 tax return when all she had to do was call me. Since then, I have submitted the tax return and still no answers regarding my loan and it is now October 2011.

Now I was told from a friend that works for Bank of America that since they are now assigning account mangers, they have had very little training and don't know what to tell homeowners when they call about their account because of starting this new system. I now have a new account manager, thank god, that seems to be a little more helpful and returns my phone calls but I still have no answers yet.

Several times since February 2011, I have called Bank of America to request an extension due to workplace injury and then firing from employer. My wife is the only person working, and we have been able to make payments due to her monthly bonus from her employer. We have been struggling to make all household expenses and have not been faring well. We are using the Food Pantry, Harvesters, etc. for assistance, but are still not able to manage our finances.

We contacted assistance again and were transferred a minimum of five times to government loan assistance (1-866-880-1336). We spoke with LaQetha at extension 2942 and gave all monthly expenses/income. We were told that income was negative $800 at the end of the month, and that the request was rejected. We asked for a letter stating why our request was denied and were told that they would provide no assistance nor a letter for the reason of denial. We asked to speak to a supervisor, and after 20 minutes, we were transferred to Nicole who told us to disconnect the call and not to call again, and that she would call us back in two minutes. She still hasn't returned our call.

We went to the Bank of America website and reentered all of our information. Per their website, "Your income currently exceeds your expenses, leaving you with a monthly surplus of $140." We are only requesting to move one payment to next month, and in all that we do, the company refuses to assist us. They advertise on their website payment assistance, but how is that possible when they deny all consumers?

My story actually begins with a credit card that I have had with Bank of America since the late '90s. About one and a half years ago, I called Bank of America as I did every year prior to lower my interest rate. My interest rate on my card went from 9.6% to 21% in one billing period. When I spoke with a representative who would be assisting me and asked him for a lower interest rate, he asked if I was claiming hardship. I informed him I was not and advised him that my interest rate skyrocketed and that I was looking to see if it could be lowered. The gentleman insisted that I was claiming hardship and informed me that he would not be lowering my interest rate, but in fact cutting my credit limit. At the time I had a $23,000 limit, and I owed $9,400, and then he cut my limit to $9,600. I informed him that I had never been late on a payment and that my credit score was awesome, and that I could not understand why he was doing this. He just informed me that that is what he was doing, end of conversation.

A week later, we got a letter from Bank of America, and they also lowered my husband's credit limit.

Now, to the mortgage part of it. I received a letter that I was qualified to apply for the HARP program and to call and see what my options were as far as refinancing my home. I have an 80/20 loan originally with Countrywide, but now, unfortunately, with Bank of America. I called the number on the letter and spoke with a representative who said that I would qualify but they had to run my credit. "No problem," was my answer, as my credit had always been around 760. He got back on the phone and informed me that to qualify for the the HARP assistance, my credit score would have to be 690, but it was 687, to my surprise. I informed him of the situation regarding the credit card and he informed me that that was definitely why my credit score was impacted since I now owed more than 80% of my limits.

So, needless to say, I did not qualify for the refinance. They transferred me to another program, HAMP, and was informed again that I did not qualify since my gross income was too high. Ever since I called, I have been receiving letters from a relationship manager three to four times a week. When I call the number on the letter, it forwards me to a debt collector. If I call the customer service number, again, I get directed to the debt collector. I have no late payments for my loans or credit cards. I have never been past due, or missed a payment. I have spoken with customer service only by bypassing the system, customer service supervisors, collections, and the privacy departments trying to get these letters and calls to my home to stop. I was informed that they submitted a cease and desist form. This had been done supposedly in mid-September, October 5th and again October 13th after receiving another call and letter.

I really don't know what I can do at this point. I feel that I am being harassed. They advised me that there was nothing they could do to help me, and now will not leave me alone. All they say is it will be resolved within 72 hours. It's over a month now and still not resolved. I don't want to have to do business with Bank of America at all. I am tr ying to pay my cards off and hope that the company goes under so my loan can be purchased by another bank. I cannot refinance with another bank due to my home value being less than the loan itself because of the housing market. Please help, anyone?This would not allow no stars, but really, one star is way too many.

I would rate the experience with Bank of America Home Loans as a zero. We were requested to apply for a lower rate mortgage during a business transaction at our neighborhood branch. During the course of application for the refinance loan, we discussed our Line of Credit Loan (HELOC) that accompanied this property (also held by Bank of America). We were informed that the conditions of the HELOC were grandfathered in and were in no way affected by this application for refinance. The Bank of America loan agent went further to say that this was a great rate and condition and that you wouldn't want to make any changes to the terms of the HELOC.

Now after closing, we found out that we signed a paper at closing (no copies provided during closing or since almost 2 weeks ago) that allowed an adjustment of the interest rate on the HELOC. When I called to rectify the situation I was told that I signed the document during closing allowing this and that he would gladly close the HELOC if that is what I wanted.

I requested that they do as they said and leave the HELOC out of the primary loan refinance. I have no paperwork showing that this was going to occur. What are my choices for making this bank honor their words?

My mortgage is with BOA and they should have an O rating. Since it was bought out from Countrywide, we have never been late and my credit rating was very good. We have always paid more on our mortgage by at least $160.00. On our July payment, which we have paid through our banks bill pay, my wife meant to key in $3,500.00 instead of the $3,800.00 she had been paying. We did not realize it at the time.

I happened to need a copy of my mortgage statement 1098, due to such problems caused by the mistake made by the one in-charge of our tax matter. I went to a branch in Kansas City, where I worked at the time, and ask for the copy. I was then told that we had not sent our payment for July so our account was locked. I called my wife to ask if she had made the payment and she told me she had. I called up the BOA Mortgage Department to speak with someone and I got what I thought was a very helpful woman. She checked the account and said that they had received a payment but it was for $3,500.00 instead of the $3,629.90 which was our mortgage due including taxes and insurance. The woman told me to send in the difference with the late fee so my wife sent $260.00 out on the same day. A day or two later, a very rude man called us up and said that he was returning our $3,500.00 check because they do not accept partial payment. The next day, we received a check from BOA in the mail for the $3,500.00. Up to this day, we have not received back the $260.00. When August 1 came, I sent out the August payment for $3,700.00 through our bill pay.

Feeling that we were not treated fairly, I contacted the office of the CEO and spoke with a man who also seemed very willing to help us fix this matter. When he looked up the account, he told us that he would help us out. He said that he would deduct the late fee and that they had already received our August payment. He had seen the $3,500.00 that had been sent back and also the $260.00 we had sent in. He told me to send the payment back in the amount of $3,169.80 and he would deduct the $260.00, credit the $130.00 late fee and the difference in the $3,700.00 we had sent in against the mortgage due which should be $3,629.90. He said to just round it off to $3,200.00. I sent that amount in that same day again through our bill pay. I never heard anything else since then and we thought everything was fine.

On September 3, we paid our September payment by bill pay for $3,700.00 even if our grace period is through the 16th of the month. Again, thinking everything was fine, my husband called up and spoke with someone in the Customer Service to ask if we could split the payment into two payments. They agreed and instructed him to pay the first on October 1, and the second on October 13.

On September 21,2011,BOA directly deposited our September payment of $3,700.00 back into our account. On September 29, 2011, on the advise of a friend who works for a BOA branch in another city , we were told to go into the closet BOA branch who was Homestead, Fl to ask him to sit down with us, contact the Manager of the Mortgage branch of the bank, and see if we could get this fixed. We then spoke with the Manager. She told us that we had not paid our September payment and if we sent out $3,759.98 which covered mortgage plus another late fee (even though we were not late), we would be up to date for September. She also told us to just send out the regular payment for October which I did. I send the 1st half according to the arrangement I had with the customer service, and on October 9, I sent out the second half.

Wanting to be sure everything was fine with the payments, I called our bank to see if any payments had returned. I was then told that they had refused our payment of $3,759.98 that they received on October 6, 2011 for our September payment, which the Manager of the Mortgage Department had told us to send out. It is now the 12th of October and it has yet to be redeposited back into our account. We have also not heard anything yet about the $,3629.90 that we sent out for October.

I called today and spoke with another woman who said that if we pay $3,759.98, we would be caught up. Again I asked about paying twice a month and this woman then transferred me to another woman who said that she was in charge of setting up the payment plans. She also said that she set it up for the 1st and the 16th of the month which will now be taken out by them automatically.

I was hoping that this is now settled but after reading all the complaints that are similar to ours, I am worried that they will continue to keep our money and not apply it to our account. This is absolutely outrageous that they are getting away with this kind of practice - keeping thousands of dollars and charging hundreds of dollars in late fees when payment were made on time but sent back by them..

I applied and was approved for a TPP with BofA. Four months later, after I successfully completed the TPP, I was denied, stating that I made too much money. This was incorrect and there was nothing to substantiate the information. I tried to appeal the decision, but they said that I only had a 30-day window. I explained that I did not receive the denial letter for 113 days. I have exhausted all resources and am at the mercy of the bank's "negotiators" and underwriters."

I am now in foreclosure and in the process of a review, as I reapplied and sent in current documents. The bank will not take my payments as of August and I feel that they have the ability to decline this modification due to the deficit. I have continued to make the TPP payments as that is all I could afford.

I was diagnosed with cancer last year and on Aug 2010 I asked for a modification loan. BoA was to send a packet FedEx, and asked me to call back in 11 days if i hadn't received it. I kept calling them back for several months and no packet had arrived. On Oct 3, I spoke to Sumeria and she told me that a new packet was on the way. Yesterday was the 11th day so I called again. After speaking to several persons, there were no notes regarding the packet. I got disconnected several times. The third person, Brittney, gave me a hard time. She told me that the bottom line was a foreclosure and that I had no choice.

I asked her why they hadn't sent me a packet and she said that it was never sent out. I told her about my hardship with the cancer and my sister's death in Nov 2010 and she said that cancer and death had nothing to do with my mortgage. So I said, "So, you guys would just throw a cancer patient out in the streets?", and she said if they had to they would. I then asked her what type of hardships was required for a modification loan and she told me that I had no options. Here we are today, with a foreclosure date of Nov 11, 2011.

My husband lost his job due to the economy. I knew I was going to have trouble making my payments with one income. Bank of America told me I would qualify for the modification loan. They sent me the paperwork. I filled everything out and provided them with everything they asked for. I called to make sure they got the packet via Fed Ex and they advised me it was there. I called them 30 days later and it was in review. I was told to call back in 2 weeks. I did so. It was still in review and the underwriters were reviewing it. I called back in 2 weeks. This went on for almost a year. All of a sudden, my paperwork was missing and they showed no record of me ever applying. They said they would send new paperwork to me, and we could start over. The paperwork still hasn't shown up.

Let me clear this right away with the fact that BOA would get no stars from me. BOA bought out our loan from Country Wide and Poplar. In doing so, they started harassing me and my ex husband about missed payments, which in fact had not been transferred from one company to the other. It is not our issue. We paid who were were told to until the date we were given. Next after our divorce, the house was awarded to me along with the debts. I tried to immediately get the loan assumption. I haven't had issue paying. But because I had all the home debt and no "job", they would not help. Every few months for the last two years, I have been trying to refinance etc. with no luck due to several reasons, one being the drastic loss in value of the home. It has gone down $60,000 in the last six months alone.

So now, I get my income stable (by their terms) and they are stalling on getting me the paperwork. The one call I made to ask for modification information only got my account locked pending review. I could not make payments nor did anyone who I talked to for months (while making payments by phone) explain why I could no longer pay online. Finally, someone told me, "Oh, there is a lock." I was beyond angry. I told them that all I asked for was information that I had not made any plans for modification. I also told them that before any smart person would do something like that, they needed to read the details and find out what it is all about. They unlocked my account. Now this time, I asked again for the assumption paperwork and they froze my online payments. I got them figured out though. I paid through my bank. The divorce papers states I that I need my ex off mortgages by two years. It is taking this long to hear nothing and get no help. I can't put it on the market. I can not recoup what is owed.

BofA misplaced my mortgage payments when they are made then they proceed to call, hang up, harass, and never follow through or up when I call back and give them all the information that they have received the payment.

Every month we send out the payment via the bank to BofA to their posted address at least seven days before the payment is due. Then I get a call from them that they haven't received the payment, that is, when they don't hang up on me when they call which is nine out of 10 times.

When I get an attendant, I get some poor excuse on why they can't help me. When I finally get someone useful, I send them the information and they said they would get back to me with what they found out. They never do and their claim department keeps calling. And my bank shows that they cashed the payment.

Bank of America should be rated less than 0. I have had a mortgage, a credit card and a car loan. Currently, I still have the credit card and the car loan. I have never had a late payment and for as long as I can remember, I have paid more than the minimum. Every time I go to make my care payment it for a different amount. When I signed that paperwork, it was for a set amount. A couple of months ago it was $40.00 less then it for the most current payment even though I have paid extra over the course of the loan.

My biggest concern is that when I went on line to check the account due it indicated that my next payment was not due until November. It is actually due tomorrow. I am sure this is just a great way of scamming people so they can charge a late fee, as well as change the payments, as well as the interest. Bank of America really needs to be reviewed by a higher authority. I thought that there had been government regulations put in place, so that the banks could not play these games. Trying to make payment online is almost impossible. I cannot make a payment today and have it posted tomorrow. On all of my other cards, I can put my payment in today and it will post the next day. This is just another way they can ensure your payment is last. I cannot wait to pay off my accounts but currently being unemployed, but still making payments so I can maintain my credit score for the future. This bank makes it as difficult as possible for any of us to get ahead.

My husband and I bought our first home, a condo in 2006. We could afford our home loan and had steady jobs. When the economy crashed a few years later, my husband lost his job in construction and so did I. We worked with a top rated real estate agent in Snohomish County to plan out our options to keep our home. We made a plan to use our savings to keep making our mortgage payment while my husband looked for work or if we absolutely had to, find renters. Eight months passed by and my husband finally found work again! By this time, we had used almost all of our savings to make the $1540.00 mortgage payment along with the $165 HOA dues each month.

We decided to list the condo for short sale at the one year mark since we had depleted our savings trying to keep our home. The bank had told us we did not qualify for the government Making Homes Affordable Programs, etc. This was very stressful for us as we have always had perfect credit and we were worried this might not go as planned. So here we are, almost 2 years later, after trying four short sales, the bank denied and still not in foreclosure. We had buyers that were ready to buy our condo at a fair market value as assessed and BOA turned down these offers one way or another.

Each time, they wanted more money than the condo was worth --even though our agent showed them comparables and other sales in the area/complex. We tried to do a Deed in Lieu and BOA canceled that without notice within weeks of our closing date on it. They said there was an error on their end and canceled it without telling us! I feel so taken advantage of and here we are years later, unable to do a thing. I have thought about hiring a lawyer. We just don't have the money to do so. I feel like it must be illegal for them to hold us like this, unable to do anything. Please, someone help us! Our credit used to be perfect and has gotten worse with each passing month.

On 9/12/2011, I made a payment directly from my bank account (a local bank not BOA) to BOA Mortgage. My payment is $374.10 but I mistyped the amount as $347.10. BOA returned the payment and then charged me a late fee, and then 2 weeks later, they sent me a notice of intent to for close on my account! I made a payment and they refused to accept it because I transposed two numbers, and rather than notifying me that I had made the check for the wrong amount, they held it for nearly two weeks before returning it. There was no explanation, as to why the check was returned, I had to call them to find out why they were sending me a check. This company is ridiculous. It harasses its customers, keeps "partial" payments long enough to collect interest on them then returns them and charges a late fee, earning them even more money! Then, they turn around and threaten to foreclose for failure to pay, when I did pay, they just refused to apply it to my loan because this is their new practice, according to their customer service. I, as a consumer, was never informed of this policy.

I lost my job of 12 years due to the economy. I knew I was going to have trouble making my payments with my new job. B of A told me I would qualify for the modification loan. They sent me the paperwork. I filled everything out and provided them with everything they asked for. I called them 30 days later and it was in review. I was told to call back in 2 weeks. I did so. It was still in review. I called back in 2 weeks. This went on for almost a year. All of a sudden, my paperwork was missing and they showed no record of me applying. They said they would send new paperwork to me and we could start over. The paperwork still hasn't shown up. I have been waiting a year and have made at least 2 requests since then.

Now it's been over 2 years since my first contact with them and nothing has happened. I have been trying to keep up on payments but have been 1-2 months behind. Currently, I am 8 days late (it is Oct 8th). And they call me 4-5 times a day. I find this very harassing. And it's always the same questions. Don't they read the notes from the previous call? I also have been adding a little to each payment and they keep sending me the overage back. I do not want to lose my home. And I am trying so hard to keep up, not just with the mortgage. I wish they would sell my account to another lender, like back to Countrywide. They were nicer to work with. Like a lot of the people on here, I can relate and have encountered a lot of the same stuff. I am so irritated with them. And if they catch me at the wrong time, the poor person on the other end gets an earful. Any advise would be very helpful. How do I get them off my back?

A bit over six months ago, my son went through a very difficult period financially. He got behind in making his mortgage payments, during which we tried to work with Bank of America Mortgage in renegotiating the mortgage, postponing some payments or any other help they could give. The first call generated a suggestion that we could renegotiate the loan, but would need to pay close to $1,400 to bring the mortgage "up to date". They sent a one page application and were asked to send it in with the $1,400. My son and I filled the form out and he went to a local branch of the bank. There, he found out that the $1,400 was a "fee" to process the loan. By now, the home was just a week or so from foreclosure. He said that he would rather bring the loan current. However, no one could tell him what the past due amount was. He called me (I'm in Mexico) and asked that I call BofA to get an amount. I called four times, got four different answers, I asked what the per diem was for the loan and no one knew what I was talking about. No one could give me the correct code at Western Union to send the money and we still had no idea what that amount was. I got transferred so many times I lost count. I got disconnected so many times I lost count.

We saved the home from foreclosure proceeding by a matter of 24 hours, when I threatened to keep calling until I got an answer, as to how much to pay and how to pay it. Since the experience was so harrowing, my son vowed never to go through that again. Now, he goes to a BofA branch, makes his payments in cash (not checks, not money orders...cash) and gets a receipt. He pays on the first of each month and has every receipt for every payment. I just received a notice that the house is going into foreclosure, unless the account "is brought current" immediately. The branch manager told my son that she remembers him going and making his payments each month. We told a BofA rep that we have all the receipts. Her response was, "well, we can accept your payments over the phone. Would that be a credit card or a debit card? "My background is in lending, real estate and mortgage loan origination. I know exactly what I'm talking about and I know exactly what to do. The problem is BofA. I have come to believe that they have no interest in helping. Rather, now that they got their bailout money, they have been told to increase their bottom line even more by getting rid of their mortgage loan portfolio. Of course, my credit (which was impeccable) is now ruined. I have no chance of moving my loan.

Bank of America

Be advised that I am forwarding this letter as a formal complaint concerning a recent loan modification application that through no fault of my own somehow went seriously awry. The facts are as follows:

In August of 2010, I retained an attorney to represent my interest in applying for the aforementioned loan modification with Bank of America. Initially, it appeared that said attorney was successful in the incipient stages of the submission process. However, for reasons unknown to me, the attorney failed to pursue the application to fruition. As a result, and replete with fear that I could possibly lose my home, in March of 2011, I contacted Bank of America with the intention of continuing the process of applying for a loan modification on my own behalf. I was appraised at that time and Edward Cervantes was assigned as my case counselor.

During the next several months, I was led to believe, albeit duplicitous, by Mr. Cervantes that my application was being meticulously processed with the utmost efficiency and alacrity. I was assured that the loan would be approved. However in retrospect, it was at that juncture in time, that the entire process unraveled. I was suddenly informed that documentation that I previously submitted was somehow never received. I was told that said documentation had to be re-submitted, along with additional documentation, as the 60 day deadline concerning same had expired. Needless to say, I was totally taken aback by this incredible assertion, especially since in July of 2011, I was surprised by Mr. Cervantes that all necessary documentation had in fact been received, and that a final package was then being submitted to Bank of America to await final approval. What made this situation even more incredulous was the fact that Mr. Cervantes went as far as to applaud me for taking the time to compile such a consummate, assiduous, and proficient application.

Suddenly and without warning, all communication between myself and Mr. Cervantes inexplicably broke down. In early August of 2011, I made numerous attempts to contact him in an attempt to rectify this horrendous situation; only to be constantly forwarded to his voice mail. It was only after leaving several stern messages that he finally attempted to reach me at my place of employment by leaving a message on my voice mail. He provided me with a new extension where he could be reached. Again, needless to say, my calls went unanswered; forcing me to once again leave voice mail messages pleading for a return call. I provided Mr. Cervantes with several contact numbers along with my loan number and home address. Realizing that any further attempts to contact Mr. Cervantes would be fruitless, I began calling the Bank of America customer service.

On August 12, 2011, I was finally notified by a Bank of America customer service representative that my modification loan had been denied for failing to submit documentation in a timely manner. Taking into consideration the above scenario, and the fact that I submitted no fewer than 300 documents, you could imagine both my frustration and anger. I was devastated to say the least.

Once again, I began the arduous and extremely frustrating task of attempting to contact Mr. Cervantes on a daily bases. This time I went as far as to completely humble myself and beg him for a return call. As of this date (October 7, 2011) I have yet to hear from him. At this point in time being consummately dejected as a result of this disconcerting experience I began what one might describe, as an incessant campaign to reach someone in authority to render assistance in this matter. To my complete and utter dissatisfaction, all I was afforded with was multiple Bank of America customer service representatives who began a process of providing me with extemporaneous conflicting information. Even my request for written verification as to why my loan was denied was met with for a lack of a better term defiance and I was told that authority to send such a written reply was nonexistent.

I would like to further assert that the way I was treated, along with the unscrupulous machinations I was confronted with and made a victim of by Mr. Cervantes and in part from Bank of America, was disgraceful and outlandish. I thought until now, I had seen all types and levels of deceit in my time, but the treatment I received was not only unprofessional and mendacious, but in addendum has also rarely been my experience to encounter.

Therefore, I am making a last ditch attempt to plead with Bank of America to please have someone of authority contact me, so that we can come to some sort of rectification in this matter and preclude any further hardship to me and my family.

Tommy **

My husband and I were trying to refinance our home at a lower rate in order to fix our finances after being laid off -- me for 1 1/2 year and my husband for 6 months (during the same period). We were approved pending on the appraisal of the home. It was well above the amount needed. We started this process at the end of July.

The process was turned over to Karen ** in Charlotte, NC. She gave me the impression from the beginning that she did not want to do this loan. From this point on, we were told each week that we will close but we still need "this and that", and more and more paperwork. It was dragged out until the credit report they had expired. I told them from the beginning that it would drop if it's not finished. This is what happened and we were denied the refinance. If it had been done in a timely manner like we were promised, we would have closed. But I believe they just decided that we were not important enough to work with.

I have been trying to get a loan modification since November 2010. I asked for the paperwork to be mailed to me over and over again. It took 2 months for them to FedEx it to me. Every time I talked to someone, they told me to submit different info and had no idea that I had already talked to many people there. In the mean time, I was contacted by a third party, Commercial Loan Solutions, to help me. I was hesitant at first, but because I was getting nowhere, I hired them for $2800.00 to be paid in 3 payments. I have paid the first 2 and still owe them $933.00 when the modification is complete.

I have to say that my representative Nora has been absolutely awesome even though we have been trying to get this done since December 2010. I know this company is legitimate since I have been able to contact a couple of people in the retention department of BoA and they can read me the notes and correspondence from Nora in their database, plus they have not asked me for the last payment and have not tried to debit my bank account. Even though we keep following through on what BOA wants, my file keeps getting cancelled for no good reason and we have to start again! This has been the most frustrating and anxiety-driven thing I have ever been through. I have not made a payment since November 2010 and I blame BoA. This could have been settled and trial payments have been made for months now, but since I am so far behind, at this point I don't know where to begin, and I am afraid to start to pay anything at this point only to lose it to foreclosure. I am so angry and frustrated, I am willing to go before a judge to let him decide if BoA is doing their job. I can bring all my paperwork and let them see how many times I have faxed and talked to and have received FedEx packages and responded to them. I am 5' 4" and the paper work I have is taller than me. This is so ridiculous, I can't see how they can get away with what they are doing to good people who have fallen into some bad economic times. People who now want to and are able to try and save their homes with new income and jobs.

My mortgage was paid off on 1 Oct 11 but they still took out my monthly payment out of my bank account on 3 Oct 11. I had to pay $15 for BofA's mistake to have a stop payment put on all future direct withdrawals from my account and file forms with my bank to get my money back. BofA said that it would be faster if I went through my bank instead of having them do it, as I needed a letter from my bank stating that they will not refund funds to BofA, along with my statement, showing that the money was taken out of my account. It's not about the fee, it's about the principle.

My mother went to open an account with B of A last year. She is 80 years old. The local B of A branch offered her a higher interest rate, a cash incentive, and no fees if she opened and kept a minimum savings account balance and also opened a checking account. The account manager attempted to place the opening deposits to disqualify my mother from the fee-free accounts. My mother saw this and pointed this out. The manager ignored her comments and continued to process the accounts with the improper amounts, probably thinking that the 80 year old woman she was working with would just acquiesce.

My mother told her to stop what she was doing and asked for the forms that she was filling out. My mother pointed out the errors and had to argue with the account manager about what the proper amounts should be. The accounts eventually were opened with the proper incentive deposited and set up for no fees. One month later, my mother closed the account and moved it to Citibank where they did not try to con her. This is proof that B of A employees are predatory thieves and opportunists.

I have submitted documents after documents to obtain help and direction. I have not been contacted regarding a modification or any other type of help. I do not want to lose my home. The home was left to me in my mother's last will and testament back in 2007 when my mother died unexpectedly. The mortgage is in her name alone. It was transferred to Bank of America from First Franklin Mortgages. I am just looking for assistance. Please help.

I have been denied the cancellation of an impound account on my mortgage. I was told that 12 months of "no lates" would constitute deleting the impounds. They now say 14 months later that their so-called "Guidelines" have changed, and the impounds will remain for the life of the loan (25+) years. I was never notified of this change either in writing or by certified mail. And I'm now paying over $500.00 a month for this, and it may default in the future. I want the world to know what a bunch of crooks BofA is!

I received loan approval to refinance my existing loan with Bank of America. One week later, I received a call from processor that I had one day to send in information. Otherwise, the loan would expire. The information requested had already been sent. The processor then acknowledged she did have that information, but now she asked for new additional information. I sent an email and called to clarify what she wanted. I have never heard from her again. I contacted the person at Bank of America who took the application. He has tried to get information on the status of the loan and no one will return his emails or calls.

I have been trying to refinance my home with Bank of America, which currently holds the mortgage on my home. I have made every mortgage payment since 1997, have good credit, money in the bank, steady income and a small loan to refinance. We started at the end of May 2011. I was told by the end of July that we would definitely close - many paperwork faxes, refaxes, updates, and restructuring of the loan by BoA. We are still waiting with no updates. It has been near impossible to get a hold of anyone who can give us an answer, just the standard "It's in underwriting" from our processor. This is just insanity.

I am getting calls night and day from Bank of America. They said I am behind on my mortgage--3 days behind! Payment is in the mail, and with the weekend, they should be getting it today. They are desperate for cash, I think, and may be ready to collapse. Can you think of any other reason for calls every 2 hours to get a 3-day late bill?

They are still calling, even though I have told them the check is in the mail. They said they will continue to call until they get the money.

I took out a mortgage with Bank of America on December 29, 2010. While in my loan closing, I had to provide all information on my homeowner's insurance for the property. I had Safeco Insurance, and I paid the premium until July 9, 2011, All the paperwork was given before I could even close on my mortgage. In April 2011, Bank of America force placed my insurance through Balboa Insurance for $507.00. No one from Bank of America called to see if I had insurance. They just took the money from my escrow account and paid it to Balboa.

I did not receive anything in the mail saying it was switched. I stopped in to a Safeco Insurance office to give them my new cell phone number on September 14, 2011, and that was when I was told I no long have a policy with them because Bank of America did not pay the premium that was due on July 9, 2011. I explained to her that I never authorized this; I have made all my payments to Bank of America, and how could it happen and et cetera. She told me to contact the bank.

As soon as I left the Safeco office, I called Bank of America. I explained to about 8 different customer service representatives my problem; all of them told me I was wrong, and not one of them could help me. I then called the corporate office. I explained to Marc ** the whole situation. He said he would get back to me. He did get back to me. He told me it was an error made by Bank of America, and that he would credit my escrow account the money they took from it to pay the Balboa Insurance company. I then told him that I don't want Balboa, and I want to be back with Safeco the company. I agreed to pay when I signed my closing documents.

Marc told me that Safeco's premiums have gone from what I was paying $510.00 a year to $849.00 a year, and that he couldn't make up the difference, so I would have to figure it out. I explained to him that I shouldn't be responsible to pay the difference because of a mistake that his company made. He told me he couldn't help any further, so I asked for his boss. I was told there is no way I will ever speak to his boss. I did some research, and his boss is Robbie **, but there is no phone number to contact him.

I was contacted by a Bank of America rep stating that I qualify for a refinance of my current mortgage. I felt that my home was too under water, but was assured that based on the info he had, I would qualify. He said that at most, I would be liable for the cost of the appraisal to complete the refinance process.

Appraisal was ordered and came back way under value, as I expected. I just received a denial of loan refinance due to insufficient property funds, after I was assured that I would qualify. So basically I got duped, and now I am out of almost $500 for the appraisal fees. I am not happy, and am going to request a refund. I want to report this as it is a not good business practice.

I have recently made a payment on two mortgages at the Bank of America branch in Westford. Only one amount was applied to one mortgage. The remaining amount of $725.00 was not applied to the second mortgage payment. Only one check was written for both transactions and the teller at the bank appropriated the funds correctly as I have the receipts. I have called BoA and no one has returned my calls. I have requested an audit one week ago and I am still getting calls threatening foreclosure proceedings. Please advise.

I was a first time buyer and I am one of the last to get an 80/20 loan back in 2006 then the market collapsed. I changed jobs and took a pretty good hit in pay and was struggling to make payments. After hearing about the loan modification last year, I went ahead and filed for it. I did everything I was told to do and made the now reduced payment for several months, only to get denied because I grossed too much money. They hit me with $3000 to catch up on my loan payments or face foreclosure.

I was never late with any of my payments and after reducing my payments, I was still on time with them, however, BOA intentionally made my payments late. If there is any way I can get away from BOA, I will do anything to do so.

Bank of America's rating is less than 0 with me. Like thousands of others, I have been in 3 trial loan modifications for 22 months with Bank of America. The latest garbage is Bank of America sending me a Debt Validation Notice for $20K, more than what is shown on my principle balance online or in my mailed statements. I called the phone # provided, to no avail, no one knew anything or could not help get me to someone who could.

I have been dealing with the Office of the President, at Bank of America, for over a year and they were no help either. I wrote a letter of dispute, as per the instructions in the letter I received from Bank of America. I sent it certified mail and return receipt requested. I received a reply from Bank of America dated July 22, 2011, that it would send a complete answer in 20 business days. It never happened.

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We refinanced our home in 8/2007 with Quicken Loans with a fixed rate. Payments were made to Countrywide Home Loans. Then, they were bought out by Bank of America. Bank of America turned around and changed our loan to a variable rate. I just received another letter with a "variable rate statement". Our payment has gone up twice, from $1182 to $2016/month! I kept telling them I have the original loan paperwork. I sent them copies etc., showing we have a fixed rate. Still, BOA has done nothing! Can they legally change the terms of an original loan?

I lost my job and was jobless for 1.5 years. I was not able to make payments on my mortgage. As soon as I found a job, I contacted the Bank of America and let them know that I don't want to lose the house, and now, that I've got a job, I can start making payments and catch up. I was approximately 6 months behind. I started making payments again and adding extra money to each payment with hopes to catch up. Unfortunately, they told me that they would not accept any "partial" payments, so I was "supposed to" save the extra money each month and send them an "extra full payment" along with the one I was sending on a regular basis.

No one gave me any "time frame", any "minimum or maximum" requirements, etc. There was nothing written down. After several payments, I received a phone call, letting me know that I am in foreclosure, and even if I send a payment, they would not accept it anymore.

I had a mortgage on a property in Northern California. I purchased the house in 8/2005. At that time, it was before the housing market collapse and I easily qualified for 100% financing. The original junior lender was Countrywide and it was set up by my broker as a HELOC. This, however, was only used at closing for purchase money only on the house.

After the market collapse and loss of income, I was facing foreclosure in 2009. I attempted a short sale. I had many offers and the primary was easily approved, but the Bank of America (the junior), who took over Countrywide, would not approve. They were even confused about the loan history even though it was a simple 80/20. A one-time transaction without the HELOC even being touched other than upon origination to purchase the home. BofA was even trying to claim they were the primary.

I was approved for a loan modification. It was canceled now. I am so far behind and I can't catch up. I was misled and lied to daily. Now, they won't return my calls at all. My home will be foreclosed because they won't work with me to get their mistakes fixed.

We applied over a year ago when we knew that hardship was going to happen. A year later, still nothing, and no one will ever contact you. I have tried for about a month to talk to the new person in charge of our in-house modification. I have had associates email her because I would love to take legal action. I just don't know the way to go about this.

I had a refinanced loan with Countrywide. Bank of America took over Countrywide. I lost half of my income and fell behind in my payments. I had the money to reinstate the loan last year, but Bank of America representatives told me not to reinstate the loan, but to pay off debt to qualify for a loan modification. I did just that. Now they tell me that I do not qualify for a loan modification, and they are going to auction my house off. Depending upon whom I talk to, either I am qualified for a loan modification, or there is no chance I can keep my home.

I even have letters from Bank of America stating that I am qualified for the Home Affordable Modification Program. When I called Bank of America about the letters, they told me that everyone gets those letters and that they do not mean anything. What kind of business is Bank of America? They are cruel, unscrupulous liars that only want to perpetuate their customer's misery. I did not want to have a Bank of America loan in the first place because of the culture of lies and deceptive business practices. It is time to get a lawyer, I suppose, or I will lose my home of twenty-five years.

We signed a contract between KB Home and their partner, Bank of America. We had some delays because of the scoring and accuracy of my credit rating. We would have been a first time home buyer, and KB helped me select a home that would fit my needs for my entire family. After numerous delays, loss of my paperwork, transfers between offices, loan officers constantly requiring more and more information, both of us were approved all the way through. The construction started, more delays, and with thirty days before we close, BOA decided to pull out of the housing mortgage (as we're told), and construction stops overnight.

I have had a mortgage 1st and 2nd lien fixed rate loan with escrows waived since 2004 with BOA. Last year, I was injured on my 17-year job with Macy's and I had bought the additional coverage with BOA when I originally purchased my loan, which was thousands of additional dollars. BOA coverage was for if I became disabled, my mortgage payments would be covered for a period of up to 12 months, excluding taxes and insurance which I paid on my own and have since I originally signed my mortgage documents. It has been a constant nightmare with constant phone calls to BOA, never speaking to the same person and never getting anywhere except floods of letters from BOA adding more and more fees, late charges, past due amounts and adding forced hazard insurance when I already had it.

Due to my brain injury and the lack of knowledge of mortgage industry, my once fixed rate mortgage of $900 estimates a month has now escalated to $1600.00 plus; not knowing why or how this could happen. I was getting ready to just waive my flag and lose my home. Then, I had a friend came over who has worked in the mortgage industry for 25+ years for Countrywide, which my friend stated was lending out of the box and funding loans at the end of the month before a borrower had even signed their loan documents, just to make their numbers. We reviewed my thousands of correspondence with BOA which I carefully kept and has grown to 3 file boxes in a little of 12 months. She stated that there was no way my loan payments double on a fixed rate loan.

After reviewing the most recent document sent to me stating that if I do not pay the entire amount of what they state I owe, my friend found that they sent me an escrow account disclosure with incorrect hazard insurance premium amount being collected twice a year and property, county and city taxes due in December; which put me in a shortage in an escrow account that I do not even have with BOA of $7500.00 estimate. They divided that by 12 and added it to my mortgage payments and since they showed taxes are due in December, I was told by BOA that I had to pay the majority of shortage by Dec.

I, as a borrower, do not have a clue on how why or what this document means and why it was all of a sudden generated by someone in BOA and sent to me. When I went to pay my September regular mortgage payment, BOA refused to take it unless it was the full amount that they stated I owed due to the initial escrow account disclosure being generated by someone at BOA, for no particular reason. Now when I try to call one of the 4 different numbers that they put on their correspondence to me, the customer service person who answers just simply states I need to remit the amount owed. The employee doesn't even have a clue of what I am talking about. They are trying to start foreclosure on Oct. 10.

In July 2009 I applied for HAMP modification. Trial period plan payments were to be made on or before 11/1/09, 12/1/09 and 1/1/10. I made all payments in time. In March, I received a letter of default claiming I did not make my first payment. That's when it started. There's too much to write here.

As of 9/27/11 there still is no modification. I faxed hundreds of documents and hours on the phone and have gotten nowhere. I received a letter from the President of BOA, Advocacy Dept. stating that after an investigation my payment was found on 10/6/10 and applied to trial pmts.

I have filed a complaint with the Indiana State Attorney Generals Office about the unfair business practices of Bank of America. How they are trying to foreclose on my home loan even when I am not 30 days late and that because I have a small late charge balance that was brought over from a lender that I was previously with and I am currently paying on. This late charges were supposed to have been waved and there were not. I have done everything that Bank of America wants to try to take care of this matter and they still want more problems for me. I feel that I have rights as a consumer that pays my mortgage payments every month. I have entered into an informal repayment agreement with Bank of America and have honored my agreement. They still insist on reporting me as delinquent on my loan when in reality, I am not even 30 days late for the current month. This is unfair to good people who do pay their bills.

I just received a correspondence from the CEO of Bank of America from the complaint that I filed with The Indiana State Attorney Generals Office. He has twisted the truth so that Bank of America looks good and that I am being called a liar. He is stating that I am behind on my loan; I am not! I only owe for the month of September. The repayment agreement that I am currently in with Bank of America is that my loan payment is not due until the 3rd of each month. The agreement that I am currently in also is that Bank of America will report me to the credit agencies. I paid as agreed and current. Mr. ** tells me that I am delinquent. This is far from the truth! I feel that something needs to be done about these unfair business practices of Bank of America to home loan mortgage customers. They are in the business of taking good people's homes from them. This has to stop!!

(Being required to give Bank of America 1 star made me sick. Where are the > numbers?) I have reviewed on this site the descriptions of the experiences of customers trying to do business with Bank of America. Unfortunately, reading them made my blood pressure rise as I could related to every, single one of them. Like me, it seems many of these people have been trying to do the right thing and are responsible citizens caught in difficult financial times who are trying to save their health and their homes. I have also experienced the extreme abusive practices of this company; whether caused by conspiracy or history-making mismanagement, in my opinion, needs to be held accountable for the emotional suffering as well as the sucking of physical energy from us.

I've been working on this painstakingly and intensely since November 2010. I am an unemployed marketing executive, single mom who's decided to beat the odds and start her own business. I feel like only >25% of my emotional energy can be devoted to motherhood and job hunt (the latter, of which, will get me out of my situation). I feel determined, angry, ambitious but also so very tired and confused and I don't see how someone in my condition could put their best foot forward to get a job (just interview preparations are so difficult because I'm so unhappy right now). I'm convinced that Bank of America should be held accountable for holding captive valuable, employable, loyal, responsible, educated citizens; keeping them from getting the right jobs that will help them regain their financial standing. I keep praying: "If BofA will just give me some peace...I can get back on my feet." But no...the Hell continues.

NACA (naca.com) can't seem to crack this one for me (been with them since June), my home is up for it's first auction date on Oct. 6, which could mean that my baby and I will be out on the street by Thanksgiving. How nice. Actions that might help you?

HUD: Set up to direct consumers to advocacy groups. I didn't find HUD very helpful beyond getting me started on my path to document sending/losing/following up/sending/losing/calling Hell.

NACA: If you think you have a straight forward situation, this organization is supposedly the best & toughest. I haven't yet seen results and "because they're in high demand", not able to handle situations with any type of urgency. Non-responsive when they're busy, which is pretty much always, but especially during their national tours when everyone leaves the office. All communications & movement cease.

Send letters to your state representatives: I received a letter back in 2 days from Senator McNerney. Dropped off my mortgage assistance application at his office which will go to the U.S. Dept. of Treasury where an investigation will ensue. BofA will have 90 days to respond to the Dept. My file will be coded "emergency status". The lady who accepted my file was extremely kind, told me BofA had numerous complaints of the same caliber being processed.

Feds have sent funds to your state. There's one in your state; find it.

A friend of a friend told me about the newest bank block, called "Time Lending" where someone buys 1% of your property and the bank cannot foreclose without high costs in time and money. The strategy is to have your file put back down at the bottom of the stack. You'll need an attorney and an investor.

All I feel I can do is navigate the best way I can; try to keep my frustration controlled & my focus high. I'm as prepared to fight for my property as I am to give up and walk away if it comes down to that.

What I'd like to know...if anybody can tell me, is if there's a class action lawsuit for abusive practices that I can join. Please, attorneys...give me a call. I have no money but like these other folks, I have a 5" file full of documentation that I'd be willing to hand over.

Good luck everyone.

I've been doing partial payment for two years with Bank of America, My deadline payment is every 15th of the month or late charges will accrue. But this month, I made two payments online which were on Sept 4th and 15th. Last Sept 19th, I received a check from them returning the payment I made on the 4th because they said they don't accept partial payment, so I called them the next day which was Sept 20th and paid over the phone the amount of the check they returned me. I thought everything is okay but after 3days I received a call from them saying I owe them the whole amount of monthly mortgage because they also returned the money that I paid on Sept 14 and the money I paid over the phone on the 20th, through mail.

Enraged, I told them this is not right, that they're asking me to pay the mortgage when in fact I already paid them and they kept on sending back my payment because it's not paid in full, then why did they accept my payment over the phone? And why not return my money online so I can pay them quickly. They were demanding me to pay it when I don't have the check that they mailed, I told them that I have to wait for that check they mailed before I can pay them and I don't have extra money to pay it. I told them this is not my fault, They should have informed me in the first place that they don't accept partial payment because I've been doing this for 2 years but they wouldn't listen and said will charge me late because I am days behind. This is the only company that I have known which returns payment back to customers because the loan is not paid in full. Other company will accept payment regardless of the amount. I don't see any reason why they have to send my payment back through mail which takes long and delays when they are the one who encourages you to use their online services. They must also send my payment back to my checking account and not through mail.

Up until now, I have been waiting for that check they mailed so that I can pay my mortgage for Sept. Isn't this craziness? That only shows they are after the charges that's why they are causing this delays. And what if I didn't get that check on the mail? How am I gonna pay them back when they have my money with them. They don't want to even cancel the check they issued and just send the money back online. This is the best example of a money-making company.

I am your average American girl. I was born & raised in the Bay Area, I moved to Sparks, Nevada to buy a home. I relocated and found a job after a couple of months. When the economy started to crash, my hours at work were cut back. I also found out that my husband was cheating on me with a co-worker while still married to his old wife in California. Naturally, I had the marriage voided due to bigamy. Times were tough and I couldn't afford my $2100/mo loan payment.

I turned to Bank of America for a loan modification. Lowering my payments would help me keep my house and move on with my life. I applied for the first modification and was accepted. I faxed W2s, paycheck stubs, tax returns, a hardship letter, bank statements, everything the bank asked me to do. I completed my three trial payments with them. I waited and waited for a response about the modification, and every time I called, they told me it was in review or in underwriting. Several weeks later, I was told the modification is accepted and the final papers would be mailed via FedEx for me to sign & return. I waited again, following up with several departments, only to be told the status was in review. BoA representatives told me to wait a week longer for the papers to show up. A week went by and the papers never showed. I called to have them re-sent. The lady told me that the modification was cancelled because I failed to return the signed documents. I asked again for a copy of the papers and I was informed that I would have to start the long process all over again. Sitting at my desk at work, I cried. It was such a frustrating process, being transferred from the Hope Department, The Home Retention Department, Customer Service Department, etc.

Meanwhile, I was paying as much as I could toward the mortgage. The next thing I know, they stopped taking my payments. My house was officially in foreclosure status. I was devastated. I started the entire Loan Mod process again. The story doesn't end, it only gets better. I resubmitted all of my financial info. I mailed them and faxed them. This time, things were different. I was documented every conversation and date with BoA.

I documented every conversation and date with BoA. But still my house was gone! I was devastated and angry. How could a company do this to people? It's happening all over the place. I must also add the very important fact that every representative I talked to assured me while in a modification, my house would not be sold or foreclosed. This was a blatant promise and I felt they misrepresented themselves on several occasions. The only thing I could do was to consult an attorney. They agreed to take on my case on a contingency basis. Meaning, if we don't win, they don't get paid. All the correct papers were filed, and it was another waiting game. We had to wait for them to respond. We had to wait for them to file an opposition. We had to wait to get into court. The day came for us to argue against the dismissal of the case. We had multiple claims against them from misrepresentation to gross negligence. The judge sat on his bench completely devoid of any emotion or insight. He threw the case out because of a 90-day statute. We had 90 days to file this modification in court and had gone over that time. I guess he didn't stop and realize that one of our many claims was for misrepresentation (being lied to) and the statute on that is 2 years. He didn't care. The 2 cases before mine were also thrown out. I tell you people, they are trying to get these things cleared out of the court system as fast as they can with no regard to the fact that this major company is lying and cheating people out of their dreams.

My lawyer and I walked out of that courtroom with our heads down. During his statement, the judge admitted we had an excellent case, however we had gone over 90 days (for that one claim). I have lost all faith in our justice system. I have been let down by a system that says they want to help people. I was betrayed by a powerful company that is above the law. I had agreed to stay quiet about this matter with Bank of America during litigation, however now my silence is broken. I am an average American girl who had hopes and dreams that were destroyed by a corrupt company. I can only pray that people will pull their money out of that bank and transfer loans to ethical lenders. I don't want this to happen to anyone and it's time that Bank of America become accountable for their actions. Thank you for reading my story.

Cheryl **, Sparks NV

This is absolutely horrible that this bank would not reduce principals without people having to loose their homes or do a short sale. How thoughtless can a corporation be? Some of us don't want to do anything but have justice. Be fair and honorable. Now you know it does not make any good sense, common sense or moral sense to charge consumers triple the interest on house, it's not worth the mortgage value. I guess we all just need to sit outside, live in tunnels and be street people!

I am having a very bad experience with Bank of America Home Loans office! I make my payments on the exact same day, every single month (the 14th). My check clears my account the very next day, the 15th, and thus, considered on time. This time, I forgot and made my payment on the 15th, which should have gotten to BoA on the 16th and then processed that same day.

Well, I made my payment five (5) days ago and BoA still "hasn't received it yet". I think this is total ** and that BoA is holding my check! I think they have been just waiting for me to screw up so they can charge me for late fees, since I wait until the last possible day to pay. Hey, I'm broke all of the time and it's hard to make ends meet. Especially when my home value has plummeted and the property tax has gone sky high! Not to mention, everything that cost to basically just survive is ridiculously expensive as well! When I called BoA twice to get this resolved, they transferred me to five (5) different departments only to end up in the original department and nothing has been resolved! They surely gave me the runaround and this is completely ridiculous! I wish BoA never bought my loan from Countrywide; I loved working with Countrywide! Also, I'm being forced to give BoA one gold star although they don't deserve one at all!

I've requested numerous times to have my interest rate lowered. I've made all of my payments on time and currently being charged 25.99% interest rate on my balance even though the prime rate is 3.25%. Bank of America periodically reviews accounts for rate reductions but only if they are open. I'm not experiencing financial hardships, which is the only way they can lower the rate. This action would also negatively affect my credit rating.

My rate cannot be lowered because it is a closed account. I should not be penalized for the limitations of their system or ridiculous policies. On merit alone, my rate should be lowered considering the amount of defaults occurring in today's economic environment.

For Chris of Brooklyn, NY who posted on August 28, 2011, I had similar issues. Unfortunately, there appears to be no way to reply such that you know that an original poster will get the info unless they check back at a later date. It would be nice to get a message directly to the poster so that they have info. If there is a way to do that, that I'm not seeing, someone please let me know. Anyway, Chris, I did not have issues at closing, but did have some after. I noticed that I should not have paid recordation taxes to the state and county. In VA, if you close with the same company that you pay your mortgage to, you don't have to pay recordation taxes again. So, I actually got in touch with the state tax dep't and it was easy to get $1,100.00 or so back from them. The $300.00 that was owed from the county was not so easy. They looked at my deed of trust and told me that it was not written as a refinance, but an original purchase. I told them that it was definitely a refinance and that the state had already refunded me. The only way that they would agree to refund me was to have Bank of America resubmit the Deed of Trust with terminology included.

I've been trying to get Bank of America to do that for months now. Calling them is just a repeated cycle. A rep tells me that they have no notes in my file about the documentation being submitted to the document prep department or whatever it's called. Then they say, "We'll take care of that right away sir, we're putting a note in your file right now and someone will call you within 24 to 48 hours". I never receive a call and when I call them back, I get the same answer. They ask me every time if I want to do a survey on their customer service and try to push their credit card on me. Now before they even get started, I tell them that I'm refusing to discuss anything else right now until my issue is resolved. The last time, I let them know how frustrated I was with the whole situation. I think they could hear it in my tone.

Last week, I received a notice from them saying that my settlement documentation (from over 15 months ago) has been reviewed and that they overcharged me. Not only on things like the recordation tax, but also on points, etc. The first page explained how they had overcharged me. The second listed the differences between the GFE and settlement. I thought the total was going to be something like $5.00, but I was shocked to see that they were going to be sending over $5,000.00 back to me. Included in that was the recordation taxes. So, I've really been paid back twice for that (at least with the state) and should get in touch with someone to find out how to make that right.

Anyway, I'm now wondering what else they've hosed up. Early on after the refinance, they upped my mortgage by $150.00 a month. They said my escrow was in arrears, but I fought them on that saying that my settlement papers showed everything to be good. After a month of wrangling on that, I found that they had paid the county twice for taxes for the first part of the year. Of course, the county had said nothing about it whatsoever. So they corrected that and got me back to my original payment. I'm not happy with them at all at this point. And it makes me wonder if I should check with a lawyer before cashing the $5K check that came in the mail recently. Something is very fishy about the whole deal.

Good luck to all of you out there.

Originally, we had a loan with Countrywide Home Mortgage with our home. We had a loan modification agreement (for 3 months) until Bank of America bought them out. At that point, our loan terms reverted to the original terms while our application through Bank of America would be reviewed.

However, it has been more than 27 months since we applied for a home modification loan. As of 9/22/11, the current status of the application is "active". The "negotiator" working on this review has yet to deliberate. In the meantime, we have contacted Bank of America on a weekly basis to check our status. It has been the same answer ever since we began the process.

Each department refers you to another department in a vicious cycle that has only left us unsure, closer to foreclosure (according to the monthly statements sent by Bank of America), and frustrated without any relief! Bank of America should be ashamed of their service.

Forced Placed Insurance or Lender Placed Insurance and the starting of the foreclosure process for money that aren't even owed. We have provided proof of insurance for over a year and now, the family's home of 54 years is going to be taken away over $6,462.54.

I have twice made payment arrangements regarding my mortgage, which was originally with Countrywide. This was ignored. And the house was put in foreclosure anyway, along with thousands of others, on July 1, 2011 for no obvious reason. The most recent arrangement required a certified bank check by Friday 2 weeks ago. I overnighted it there by Thursday. Then last week, they mailed it back. It was uncashed! It was far more than was required. They sent it back with a form letter saying it wasn't enough to reinstate the loan.

BOA should be ashamed. This feels like another scam in order to hurt the consumer's credit and increase fees and interest. I truly do not know how to make this stop. It is so ridiculous!

About a year ago, due to the difficult economic times, I split my payments. For one year, I have been paying $215 near the 1st and $215 near the 15th of each month and sending an additional $3.96 per month on my $426.04 mortgage amount due. I have never, ever missed a payment! I have now been actively trying to fix this BOA error for over five months to no avail.

I don't believe there is anyone within the BOA organization that can make this go away.

I feel absolutely helpless. I cannot make this stop. I have done nothing wrong, and I have no control over how 'they' handle 'my' account. It is very, very frustrating, and I see here that I am not the only one. Shame!

My loan was purchased by Bank of America back in Sept. 2009 from Taylor Bean and Whitaker Mortgage. In April 2009, I was granted a loan modification by TB&W. Sept. 2009, BoA purchased the loan. I began making my payments to BoA in Oct. 2009. In Sept. 2010, I decided to call BoA because I was curious why it had been almost 12 months of perfect loan payments yet, my loan was not on my credit report. At this time, I was informed that my loan was in default and up for foreclosure. Shocked!

I was told that BoA had no record of receiving payments from me even though my payments were made each month and the said BoA branch. I dug back into my records to provide proof of the payments, only to be told that my loan modification was denied. Denied? How do you deny something that was granted 5 months prior to your company taking possession? I was then told that if I could provide proof of the modification, it would be honored. "We need you to apply for this modification while we review". Okay fine. The modification was reviewed, great.

"We can modify your loan but you owe 14 payments". I do not! I have paid every month since you purchased this loan. I was told to provide proof again. I was transferred through several departments, for several months, that have done nothing. I have since filled out paperwork for three modifications; all wanting to modify the incorrect information. Each time I call, I have to explain the entire headache to a new robot that answers the phone. Uninterested in fixing the problem but more interested in asking you the same generic questions so that they can say that they "did their job". Yesterday, I received a letter from BoA indicating they will help me to find assistance to move since my house is going into foreclosure. Even though I paid my mortgage each and every month!

To me, this is ludicrous. I have decided to call every day until something is resolved. I was just told to call back in two hours because they are having "system difficulty". New flash: They have more than system difficulty! How can someone pay their mortgage every single month and still be in danger of foreclosure? Even though we all agree that I paid, each call was ended with "collections and negative credit reporting will continue until this matter is resolved". Are you serious? Just shoot me now!

Helpless!

Oh, I have had several so-called "escalations" and two "reference IDs" that still get me nowhere!

I have been applying since March 2011 for a loan modification. After weekly phone calls and resending information, they said that they never received it. I finally received a letter that states I am not able to receive the modification. When I called them to ask why, I got different answers or none at all. They refuse to send me a detailed letter with the reasons. Now they said that I need to start all over again with the process.

I sold my rental property as a short sale through BOA in June 2011. In September 2011, I started receiving harassing phone calls, claiming that I was behind in my payments and would be going in to foreclosure in Oct. I spoke with the short sale department. They assured me that this would be taken care of and they would send a letter to the credit bureau. I do fall under the Servicemembers Civil Relief Act as well. They are aware of this as my payments were lowered. I have still been receiving not only phone calls, but now I get a foreclosure letter in the mail or a FedEx letter about re-doing my loan. I am beyond angry, as this has gone to my credit report and we will be buying another house at the beginning of the year when we transfer.

I bought the house in 2002 through another company and it eventually got sold to BOA. They don't even have a record of me owning it since 2002. They show I bought it in 2005! I cannot get any help from BOA for anything. No matter how many times I have talked to the short sale department, nothing has been done. I've called news channels. I'm waiting to hear back. I've filed with law firms that already have hundreds of claims against BOA.

I filed for a modification in June and it has been over 90 days with no response from BoA. I keep calling and they stated that they are waiting on a final answer, but will send nothing in writing.

I applied for a mortgage modification and was approved. Now, they are saying I didn't send them the correct documents so they canceled my modification, made me so far behind in payment that I can't catch up and this will end in foreclosure, I'm sure. It's a real shame that big banks are allowed to treat people down on their luck this way.

From Countrywide, my home loan was given to Bank of America. Due to unforeseen circumstances, I ended up in a loan modification with them. They tacked an additional $25k onto my home loan. They said that I pay interest only payments for 10 years. I signed. They kept calling, saying I owed them more money to. I replied: "No, I'm in a modification. I do not owe you any more money". I receive phone calls monthly and we'd go through it every time. Finally, the person on the phone would say "Oh yeah, I see it here".

In the modification agreement, there was no mention of the principal amount of the payment going into an escrow account. Now they say I owe them an additional $31,000.00! Are you kidding me?! I had homeowners insurance on my home. They wrote demanding that I put homeowners insurance on. I gave it to my insurance gal. She faxed them proof to which they slapped on a $1,000.00 homeowners insurance and charged me for it. This happened 2 years in a row.

I would mail my checks in to California. Two weeks later, they'd be cashed in Texas by someone else. What the hell is going on? I came home to a notice that my home is now being auctioned off on January 16, 2011. Thank you very much Bank of America. This has been my home for 10 years. I kept my word with you. Yet, you lying slithering snakes are going to steal my home, give it away to someone else when you could just keep your word.

I have been trying to buy a home in the state of Florida for at least a year and never got past an accepted on contract. During that time, I have been pre-qualified 2 to 3 times by Bank of America. There was also a time that I hadn't been looking and was contacted by Bank of America to find out if I was still interested in applying for a loan with them. I have been doing business with them for 25 years and have had 2 mortgage loans with them, many years ago that have been paid off. In that time, I have had a checking and saving accounts, money market accounts and loans (other than mortgages) that have never been late or missed, which were paid off on time or ahead of time all with them.

I am retired and have been collecting a pension since 1979 and it has been directly deposited in my Bank of America checking account along with my social security check, for the last 10-12 years. All deposits of these checks can be seen in my checking account every month, since 1985. My credit score is in the high 700 to low 800. On Aug 12, 2011, I finally received an accepted contract contingent on loan approval. This is when my problems began. It wasn't on my qualifications, it wasn't on the ridiculous paper work and questions that were needed to be sent or answered, I took care of them as they came up. The unanswered e-mails and unreturned phone calls are too many too list. I received an e-mail stating that they needed an extension on the Sept 15,2011 closing date, that they told me that and they needed a full 30 days to close. I went to seller to get extension and got it. Faxed it to them and upon receipt by them was immediately told they couldn't close on the 19, not only that they couldn't give me a new closing date. I had purchased airline tickets on Sept 1, 2011 to fly out for closing the flight was scheduled for Sept 14, 2011. On Sept 13, I was told that we wouldn't be closing and I should cancel my flight. I told them that I would probably be charged a cancellation fee and they answered I shouldn't have booked the flight and I knew there was a problem. I told them that when I booked it, there was no problem and everything was on track. Then they said that I had the cash in my account to buy it outright and why was I taking a loan. Imagine telling me this, a couple of days before schedule closing. Then, the lies really started rolling in; the holdup was because of a ninety day flip government rule that they had to abide by (The seller was an investor and is supposed to hold the property for 90 days before selling it). This was never mentioned prior to this by the bank or the investor.

Apparently, it was purchased on 7/19/2011. I did some research and found that the rule was suspended by the government in 2009. I told them that by e-mail and sent the article supporting my statement by e-mail to the bank rep. Then, they started telling me that it was the appraiser who was holding the process up, that he couldn't find any comps to complete the appraisal. I told them that I already had a copy of the appraisal that they sent me and e-mailed it back to them to prove it. Today is Friday 9/16/2011, I have numerous e-mails and phone messages that are going unanswered and closing is to take place in 72 hours. Today, I find out that they took out $435 today. I find there is a $435 pending transaction for the incomplete appraisal. When I tried to stop the payment on my Bank of America, I was told that it is pending and there is nothing they can do till it is executed. I sent an e-mail to the mortgage company to halt the charge but another e-mail is going unanswered. I told them that in the same e-mail. I wanted them to convince the seller that the contract should be extended and that is going unanswered. I am afraid that I will lose this offer also after 1 1/2 months of loan application. I am totally frustrated with Bank of America mortgage dept.

I am a former Countrywide Customer, was charged excessive interest so I tried to work out a loan modification with Bank of America through the NACA Organization - which didn't happen! Now they are trying to foreclose on me. Please help.

My wife died three and half years ago. We had a home equity loan that was going to end a couple of years later. I went to the local branch and told them I needed to refinance the loan. The loan officer told me I would not have to, as it would automatically convert to a conventional loan when it reached the end of the term. At the end of the equity loan term, I received a notice from Bank of America that my home equity loan was in default.

I once again went to the local branch office, and they told me they had made a mistake. My loan had originated from LaSalle, which Bank of America purchased several years ago. While at the branch, we called the mortgage department and I applied for a refinance via telephone. A few weeks later this loan was denied. With a major default on my credit, there was nowhere else I could get a home loan. The bank told me they would do a home equity modification loan. For more than nine months they have worked on this loan. I have made payments every month for the time they were working on it. I have been with them for 23 years; I have never missed a payment, or been late on one. This month they offered me a modification loan.

Due to them placing my equity loan in default, my credit score dropped from the high 700's to 613. This will change what I am charged for anything I buy on credit, increase my insurance rates dramatically and make my life much more difficult. The nine months I made payments to them, the money was applied to the loan principle, and the loan shows that I have not made any payment for more than nine months. I get constant harassing phone calls from several different departments from Bank of America. An example is that they set up a 90-day trial payment (even though they have had 23 years of prompt payments), and more than two weeks after the payment was made at their branch office, I would get late evening telephone calls telling me I had not made my payment yet. I signed the modification loan, entered "deceased" where my wife was supposed to sign (as they told me to) and returned the paper work, the day after they sent it to me. I am still getting late evening telephone calls stating I did not return their paperwork.

I have just about had it with Bank of America. The only reason I am jumping through their hoops is because my credit rating is important to me. I have worked hard my whole life to maintain it. If they are going to trash my credit score and harass me by telephone, why should I bother keeping the house? They are the most unprofessional, uncaring and mistake filled bank I have ever dealt with.

I tried to get help from BofA for a modification. I was granted one. Then, the bank took it back for reasons only known to them. I fought with them for 2 years. They were all telling me that I am in review, I am in modification, and I am being helped. What a bunch of **! They tell you one thing but they do something else. I would not give anyone who worked for that company a drink if they were dying of thirst!

They did not report my short sale completion (last year) to credit agencies or the county I lived in, Berks County. As a result, I still have negative foreclosure items on my credit reports.

It was a long exhausting process working with Bank of America, on the short sale. I did the right thing by not foreclosing my home, but I am still haunted by Bank of America's incompetence.

I applied for the modification program over six months ago (March 2011). I faxed, e-mailed, and Fed Ex the same paperwork more than I can count. I also spent countless hours on the phone with BOA representative. I still have no answer from them.

In this tough economic time, Bank of America is bulling homeowners into purchasing flood insurance, in excess of their unpaid principal balance. In my case, they went as far as to block the unused balance of my equity line, even though I have had an outstanding record of payment for the last 4 years.

My original equity line is for $60,000, unpaid principal balance of $34, xxx.00. I have always kept a flood insurance policy valued, at the original amount of the loan. However, BOFA is now requesting that I increase the flood insurance to $250,000.00.

This is excessive and unfair practices aimed at either making homeowners paid off their loan or lose their home to foreclosure.

Every time I go to pay my mortgage, it gets higher. They say it is because the home insurance is higher. I changed insurance but the escrow continues to rise. I tried to talk to Bank of America, but they said I have to pay to talk to someone. My mortgage went from $899 to $1,045. They will not reduce it.

I have the same complaints as the prior patrons of Bank of America. We filed for this program several times because they claim that they never received the paperwork. We can never get the same person twice so we opted out of the program and made the back payments. Now, we are told that we did not make the payment required.

We are being harassed on the phone with automated calls and we get letters every day stating that our application was in review--when it was contingently approved already and we opted out. Now, they claim that we owe them more money.

I am at my wits' end here. Foreclosure notices and credit scores are compromised and I am getting real sick over this, especially since we were never, ever late on a payment with this mortgage. If this continues, I am getting a lawyer. Find a way to pay your mortgage without their help, they will pull you deeper.

Customer service is a waste of time. They read from a computer and if the information in the computer was accurate, there wouldn't be a need to contact them. This is September 2011 and I have pulled up 7 different mortgage payment amounts from my files this year. The escrow account variation is the only reason to change a payment amount and they, like Countrywide before them, cannot get it right. Every time I have contacted them I get a different figure.

In the past, they have threatened to put on additional insurance because I didn't show proof of insurance initially. The insurance was there at closing and they have the insurance company's information but I am to blame if they can't keep their own files straight. For the first 2 years of the mortgage, we made an extra monthly payment to retire the mortgage early. Once, while fighting with the customer service representative over an increase of $200 per month because of escrow shortfalls, I was offered $2,300 from escrow because these extra payments went to escrow and there was too much in escrow! So much for justification for increased payments to escrow!

Automatic payments are scheduled. I checked online banking to see if the payment was scheduled and no payment was scheduled for that month. So, I scheduled a payment and the amount came out twice. B of A admits that consumers cannot see scheduled online payments. However, the payments were two different amounts on two different days. Then, B of A forced me to go to my bank and provide them with documentation. If their records detail two payments, why do I have to prove what their records indicate?

After 30 minutes at my bank waiting for a successful fax, I called to tell them that the documentation had been submitted. I was told that I would have to call back in 24 hours (it's Friday) because faxes are not received for 24 hours. Also, it would be another 3-5 days before the funds would be refunded. Their system should not allow double payments. Their system should allow account holders to see scheduled payments from their account.

Last year, they were not allowing me to make a payment because my annual house insurance wasn't paid--even though they were responsible for paying the insurance out of escrow. It took me two hours with a B of A representative on the line to set up an on time payment! Two months later, I received a note from the insurance company requesting payment. They had the nerve to tell me that the insurance had not been paid because they had just received the notification. The ordeal two months earlier proved differently. B of A either can't handle the number of mortgages that they have or they have no interest in doing so.

I applied for a modification in October 2010 and sent the information requested again and again. They kept saying that they didn't receive it. I spoke with Anita, a mediator that was assigned to me, due to the fact that I couldn't reach my "agent" that was assigned to my case. Everyone I spoke with told me that I had to be at least 2-3 months behind in my mortgage. I was current at the time. Everyone says to always do the right thing, which I did. I was proactive and trying to prevent what has happened to me now. It took BOA over 8 months to tell me that I wasn't eligible. Why? Because I filed bankruptcy in March 2010. I spoke with a lawyer and she said they couldn't do that. Then, they changed their story. In May, I lost my job. Then, their story was that I was drawing unemployment. They couldn't help me because of that?

I may lose my home to foreclosure. I have never been late or missed a payment until August 2011 in the nine years I have owned my home. What is up with Bank of America? You obviously are not taking care of the Americans that have entrusted you with their lives! We have bailed you out, why can't you bail us out?

I tried to get a modification on my home. They had me spend from February to June.

I called another Bank of America loan officer and he said they should not have worked with me from the beginning because I didn't have 80% loan to margin, but they must have FedEx'd 6 copies of the loan procedures. They said I had too much money and was denied.

Then I tried to get another loan on my rental and it took another 3 months. And they denied me today because I don't have enough money. Even though I have a Schwab account, because I haven't used the funds, and even though I have the money, they denied me. I don't fit the guidelines.

My husband and I acquired a mortgage through Countrywide Home Loans in early 2008. In 2009, they were bought out by Bank of America. Since then, we have fallen on hard times like so many others and fell behind on our mortgage for 3 months.

Our good faith attempts to repay these late payments plus our monthly mortgage have been returned to us if not paid in full. One payment was $37 shy of a full payment and the gentleman on the phone accepted the payment only to have it returned to us the following month. During a conversation with a representative in a local Bank of America branch, I was advised to always get someone on the phone when making the monthly mortgage plus a partial payment. This would ensure that the partial payment is correctly applied to the late payments and paid to other accounts or CD's (of which we do not have).

So, every month, I make a call and though I am an authorized user on the account, only twice have representatives been able to verify that they have my authorization on file.

Today, I called to make the monthly mortgage plus an additional full late payment and found that last month's partial payment is being returned to us. When I asked Marvin why, I was informed that he was not authorized to share account information with me unless he had verbal authorization from the home owner. I asked Marvin to check the notes because I am on file. He refused to check the notes and refused to speak with me further.

These are incorrect report to credit bureaus in 2 home loan accounts with Bank of America: ** and **.

From 2004, I had two mortgage loans with Bank of America. In December 2010, Bank of America changed the account numbers of those loans and never sent us mortgage payment coupon to make a payment for January 2010. However, as we always control to pay our bills by the due date, on December 18, 2010, we went to make payment in person to mortgage loans at Bank of America Atlantic and Garvey branch, Monterey Park, CA 91754. The due date of those accounts was 01/01/2010. Our check #** with amount of $1,135 to loan account # ** and check # ** with amount of $131.91 to loan account # **. All new account numbers were written clearly in front of the checks.

We did not know how careful that Bank of America handled the job. They did cashed out my checks, but still sent me a notice dated 2/02/2010 stating that our payments were not received and a late charge in the amount of $56.78 were charged. Since that day, we're attempting to make many and many calls to Bank of America for the reviews of our accounts. Spending a lot of time waiting on the phone, explaining and complaining to Bank of America staff. And Bank of America has asked us to fax all verification of payments. On 2/26/2010, we had to fax all receipts, copies of payment checks, and an explain cover letter to home loans payment research department.

Finally, on 4/15/2010, we called Bank of America (home retention appropriation for BOA/CA and customer services/mortgage department /CA) and, thank God, we were told that we had zero balances for our 2 loan accounts, and the late fee was already credited.

We also requested that Bank of America correctly report to the credit bureau that we did not make late payment and sent us a letter stating that this issue were clear. However, Bank of America has never taken any action. We never received any letter and our credit has been badly hurt by this incorrect delinquent report to credit bureaus, which seriously and badly affected our credit scores.

We wonder why we have to waste our money, time and to suffer for Bank of America's fault. We now inquire that Bank of America send us a letter stating that the payment delinquent issue occurred in January 2010 is their fault and that bank of America has to report and request the credit bureaus to correct our credit scores as soon as possible.

Bank of America is the most ridiculous, frustrating, irritating company I have ever dealt with! I have had a modification in the works with them since 2009. After I made payments on the modification for an entire year, they decided to put me into foreclosure again to do another modification. I was foreclosed on for 5 months, with lawyers contacted, and my name and house in the paper for a sale of my foreclosed land on a home I was making payments on.

After discussion with the dozen or so customer services representatives (who have absolutely no idea what they are talking about and no extension so you have to explain yourself dozens of time which makes your calls 1 hour to 2 hours long), I found out that I had to do another modification because my first modification was a trial! So when I sent in all my paper work again, after being in foreclosure I was denied a modification, my house payment went up $20 and I now owe more on my home than I did before they put me in foreclosure.

I have contacted a lawyer and he said they will never give me the modification because my home may be worth more but my taxes say different and that is what they look for. I now cannot afford my mortgage because of a health condition. The lawyer has advised that they will never work with me and will keep raising the mortgage.

I am now living off of $27.50 a month, which is what is left over after I pay my bills, that is if they even get paid. I am trying to go through a private owned bank to see if they will listen to my story and they will give me a mortgage.

I refinanced my home loan through a third party lender early this year. The loan was then sold off to Bank Of America Home Loans. The first problem was BOA claimed I did not have wind insurance which is a requirement for buying a house in the state of Florida. But I already had wind Insurance and the policy was paid in full for 2011. BOA went out and purchased another wind insurance policy and tagged it to my mortgage bill. I was finally able to get my insurance company to contact BOA and get them to drop this other policy. BOA then raided the Escrow account and sent my insurance company another payment for my wind insurance policy, which had already been paid for in 2011. My insurance company eventually sent me a refund, but BOA returned my normal payments because it is not the full amount. They are demanding for payment to put money back into my Escrow account and cover their mistakes.

I have never been late with my mortgage payment (which is due on the 1st), yet every month, they have their "debt collection" department calling me to "bring my account current." My account is current! This started when our loan began to be serviced by Bank of America instead of B of A Home Loan Services. I am very upset and I feel so harassed.

Last month, we got five calls from them between the 5th and the 12th when I made the payment. They started calling again this month. If my payments are not late, getting calls to demand payment is causing us to be stressed!

I filed for a loan modification over two years ago, fully qualifying with the requirements of hardship, payment over 31%, countrywide loan etc. I had to submit my paperwork 3 times and when I called, no one knew anything about my papers or where I stood in the process. Long story short, it took them 2 years to put me back into a corner with empty promises that I will get my Fed Ex trial offer in the mail every week, and it never came. I was eventually denied. They said Fannie Mae would not accept it.

After setting me up with an escrow account and making a few tax and insurance payments, they denied me with no reason, other than stating I didn't show enough hardship. Now, I owe them some $3,000 for payments they made on my escrow account. It turns out, they stopped paying taxes and insurance and I got notification of cancellation on my insurance. They said that since I didn't qualify, they don't pay current escrow amounts, only the ones racked up over those 2 years. So if paying my mortgage was difficult, now I owe $250 a month more. I went to my local branch, called home loan division, and after complaining to 2 people who just said "sorry", I asked to speak with a supervisor, who was gracious and probably knew the extent of liability of their shoddy loan mod practices, agreed to pay the current escrow charges and apologized up and down.

I tried seeing if B of A could at least adjust my interest rate for some help. "No way," they say, "too much under water." I think it is criminal how B of A treated me and has ripped people off. I think someone ought to file a class action suit. I have no option but to continue this hardship of paying $1,400 a month for a house that is half the worth from when I bought it in 2006. I either put up and shut up, or walk away.

I applied for modification with Bank of America last year on April 2010. Several times, I sent the documents. Every time, their requirements were different and they have excuses that they didn't receive the papers.

Now, in August, they declined my application and want me to reapply. I am current on my mortgage now but they have no easy program to lower down my interest rate, even though lower rates are available.

I have read the other complaints about BOA mortgage and have had the same experience word for word. "We didn't receive the documents", "Underwriters need a Profit and Loss statement", "The tax return wasn't signed", "We're having problems uploading documents timely", "The package is delayed because of the volume of work", "You are only eligible for XYZ program because you are receiving unemployment", "If you weren't late on your payments you would be eligible for other programs".

The sale of Countrywide to BOA was a disaster for my mortgage! I was an unsuspecting home-buyer that was duped into getting a 3-year arm loan and at month 32, was where my trouble began. My monthly payment went from $750 to $1100 and that was just p/i. I have been calling and trying to get a loan modification for over 2 years! I have gotten nothing but one line of ** after another about the modification paperwork. I have been told repeatedly that it can take up to 6 months to get a "paperwork". Are you kidding me? I was told to continue to send $750 because the modification was not guaranteed and I have done so faithfully as this is what I could afford.

Finally in June, I received 2 FedEx packages. I returned all of the paperwork within 2 weeks. Several weeks later, I received a phone call from Jennifer ** and was advised that she would be handling my modification, but she didn't receive my cover letter. I was livid and explained to her that I returned everything that was requested and the cover letter was the first page. I told her to check the package, but if needed, I would resend everything to her as I kept copies. She went on to explain that the documents were scanned from a different department and she had no control over the missing documents and asked if I could fax them. I told her no, I could email them so that I could eliminate the middle man and have proof that she received everything I sent exactly as I sent it. I resent her the documents, she said she didn't get and the other things she asked for.

A few days, later she called me again stating she needed the 4506t. I then told her she needed to look for it. I reminded her that she had already confirmed she received that in the original FedEx package. She placed me on hold and came back to say she found it. She stated she had everything she needed and would be forwarding the file to "quality control" for review. Almost 2 weeks later (August 24, 2011), I received another call from her asking for a different more recent utility bill and 3 letters of explanation and stating I had been scheduled for foreclosure on September 6, 2011. Needless to say, I came completely unglued because this means they had been taking my money all this time and only sent the modification papers out when they were in the final stages of foreclosure and appeared that they never intended to offer a modification.

I also advised her that I had not received any foreclosure notices from them or any attorney as required by law. I also explained to her that I had not received the newest electricity bill as of yet but I should be receiving it any day and I could send her the explanation letters immediately. She stated she needed everything in order to postpone the foreclosure so send it all together. I advised her that it would take a few days to get the electric bill, but I should have it to her in no more than a week. I received the electric bill August 29, 2011 and sent all four documents (via email). Within that email, I requested that she contact me to confirm that she received the documents, confirm that she has postponed the sale and to update me on the status of the foreclosure.

I called her and left messages from the 30th of August till September 1st. I also re-emailed her the documents and sent several other emails daily for an update. Finally, after no response, I attempted to reach her supervisor via other departments. August 31th, I spoke to another supervisor in a different department named Ryan, who advised me that the modification had been closed August 29th due to not receiving the requested documents. He stated he couldn't give me any other information at all. He stated he couldn't give me her supervisor's name, phone number or email address and there was nothing he could do to help me. He stated he could email Jennifer and her supervisor and I just had to wait and see if someone would call me back.

I went on to explain to him I'd sent this info that very day via email and of course, it was not that hard to prove. I also advised him that my next step is to hire an attorney because this bank is still not handling foreclosures properly and Jennifer ** has mishandled my modification and I was not just going to take it. I waited 24 hours and got no response, so I called again and got Ryan again. I then told him that I wanted to speak with his supervisor. After a 15-minute hold, I got Christine. I reiterated everything to her again and she at least gave me the name of Jennifer's supervisor and stated she would email her but couldn't give me her email address or phone number. I also advised her that I had an appointment at 10am, Friday morning with an attorney and that my intention is to file a lawsuit for fraud. So she needed to have Ms. ** call me before then.

The next day, I began calling BOA at 8am. I was transferred to 4 different departments and spoke to more than 8 people. I was finally transferred to a different representative in the loan modification department who stated that the foreclosure date had been changed to October 4, 2011, but that I definitely needed to speak with Ms. ** and gave me her direct phone number. I called, left a message and shortly thereafter, I received a phone call. She advised me that she had spoken to Jennifer and she had not received my email. I advised her that she did and she opened it and that she had ignored both voicemail and email messages.

She requested that I send her every email I had sent to Jennifer and she reviewed them and verified that I had sent everything that was requested. Then she requested that I resend the electric bill as I had only sent the first page and she needed every page. I sent that and she called me back a short time later and stated she still could not reopen the modification because the utility bill had a past due balance. She then told me that I needed to send her proof that the past due balance was paid before she could reopen the modification and that the sale was scheduled for September 6, 2011. I then told her I would be seeking legal counsel as this just doesn't smell right.

After researching the laws, I called BOA back and asked for the information for the attorneys that are handling the foreclosure because my research indicated they were supposed to send me notice of the sale and had not done so. I was given the name and phone number for Whitney ** and upon calling her, I was advised that the foreclosure was rescheduled to October 4th due to an error. This is ridiculous that a person has to fight with a lienholder they did not choose in order to keep their home. I'm now seeing that with this arm, I was set up to fail from the beginning and they have been taking my money all this time and this bank is not going to do anything to help me.

In September 2009, I contacted Bank of America to get help with our mortgage. Until then, we had never paid a late fee on any of our bills, and asking for help was the hardest thing I had ever had to do.

I told them that I wanted to see about doing a loan modification or whatever they could do to help us. This was because I am disabled, and I had not had an income since October 2007, and the only source of income was my husband's paycheck. After speaking with them in great detail, I was assured that they could help. I provided them with all the requested documents they needed (this was done several times from September 2009 to present). Each time I called to check the status, I was given a different story as to why we had not heard from them ( I have about six inches worth of paperwork to show our efforts). They would tell us that it is at the Underwriters and that they were waiting on this or that, and needed more documents from us, which we would always send, even though we felt it was unreasonable to keep asking for documents. We were even told once that they had lost it and another time that it had got placed on the bottom of the stack.

Meanwhile, our mortgage and other debts continued to get further behind. Our debts are way more than our income, which we had proven time and time again (two incomes worth of bills being paid with one income-you do the math). For two years, they kept dragging us along and promising that they would help. Then, the next thing we knew, they wanted to foreclose which was odd, since they kept promising they were helping us. We told them that we needed our home, as we have a 5-year-old and I am disabled, and we had nowhere else to go. They told us that as long as we were paying something, we would not be foreclosed on, of course that is another of their many lies.

I have begged for them to help; requesting any kind of assistance that would allow us to keep our home. My disability hearing is in October 2011, which I told them, and if I am awarded my disability, I will be able to pay the past due amount and bring it up to date again. After putting us through all that for two years, they said that we did not qualify for the loan modification, which I find hard to believe based on our income, debts, and my permanent disability. When I tried to access my mortgage information online, like always, they have blocked it where I can't view it. I sent an e-mail to them about this, and they sent an e-mail back and said I would need to call the foreclosure department, as they were now handling this account. I didn't think that they could legally keep me from getting my account information, but they have.

I have never heard of a company like Bank of America Mortgage that continues to treat people as poorly as they do and remain in business. They have so many lawsuits, several of which are class action lawsuits, that they will be in Court until the world ends.

I hope this complaint gets read by someone who has the authority to help me as well as others who have worked hard to have what they have, but due to disability or other unforseen situations, are having difficulty getting help from Bank of America. Someone needs to review these mortgages, as I do not believe that they are following the legal guidelines that they should be following, especially those pertaining to loan modifications or other federal programs.

After falling one month behind on 01 Jul 11 on our mortgage for the first time in 5 years, we contacted the bank and explained that we would not be able to come current until 15 Sept 11. We would be a month behind until this date, but we would still be able to make the July payment when August was due, the August payment when September was due, the September payment on 15 Sept, and come current on all late fees, still making the October payment on time. This was all due to the birth of our third child and I was on maternity leave.

We were told that we could make partial payments, which we did in the month of August. Then, the payment came back to us the day after we made the second half of the payment on 15 Aug (all done with BofA online bill pay). I called Customer Service which sent me to their collections department. The supervisor stated that BofA stopped taking partial payments back in May. I was not made aware of this when I called the mortgage department in July and asked if I could send in partial payments; they said yes.

The supervisor in collections also stated that the payment I made the day before could be sent back at any minute so I could either raise the check that I received back to the bank and make a full mortgage payment (which I did, and they had to call the Mortgage Department) or I could wait until they return the second payment. I asked why and I was told that I could make a partial payment and was told that she could not speak for another BofA employee. She also was rude and she refused to listen to me. She stated loudly and rudely, "You cannot afford your mortgage payments." I asked who the operator was, the number and what the notes stated previously.

This was not what was conveyed to the operator in the Mortgage Department when I spoke with her in the beginning. I believe that the collection department cannot see what the mortgage department writes in their notes. Anyway, on 16 Aug 11, I received a notice of intent to accelerate and the date in which they needed all monies to stop foreclosure was 15 Sept 11 (the date we could come current on mortgage and late fees). What a waste of BofA manpower if they would have just worked with us in the first place. And we just wanted to pay, not even get a modification.

Now, they have sold our loan to Green Tree. We are still one month behind and we need to make the August and September payment (it is now 2 Sept 11). We have not received our "Welcome Packet" from Green Tree as stated in the letter BofA. We have tried to call Green Tree to get an account number and an address to send payments and they refused to give us this information until 30 Sept 11, at which time, according to the terms of our loan which was transferred to Green Tree, they have the right to foreclose.

I am trying to find out if there is a way to make a payment before 15 Sept 11 as we are able to make the payments current a little early. The day after the sale of the loan, ironic. All this man power time wasted was because BofA department cannot talk to each other and because BofA did not work with a loyal customer. All of our banking is through BofA, but not for long.

I just got off the phone with Bank of America for the 12,000th time. I am beyond frustrated. I have been trying to get an answer on a loan modification for well over six months. All I want at this point is a three-month forbearance to be able to caught up, but the road stops at this new CRM system they've instituted within the last month. Apparently your "Customer Relationship Manager" is the only one who is able to give any sort of information as to the status of my 5th attempt at a review. And guess what? They are never available to take my call. I have left numerous messages and would just like a simple answer. I can pay my regular mortgage payment, but would just like a few months to pay double in order to get back on track. I have never dealt with a company who is committed to giving people the run-around. I'm convinced that this is the main strategy of this company. If I could transfer my mortgage to a different bank, I would do so in a heartbeat! I will never open any bank accounts there and will make it my mission to tell everyone I know not to deal with the these people at all!

My mother has a home loan with BOA. They are charging her 6.75% interest and they refused to lower her rate because her income is too low. She is 60 years old on a fixed SS disability income and has to work selling tickets 20 hours a week just to make ends meet. If they would just lower her interest rate to 4%, it would really help her out. She has never missed a payment and prides herself on that. With the prime rate so low these days, they are taking advantage of her and they are too big to care. I would like to see this bank fail as they want to see my mother fail.

When calling in for a loan modification, I was told that I did not qualify. I had to be two months behind on payments. After two months, on 8/07/09, I spoke with Jeanette at the Bank of America. She prequalified me on the phone and stated that we prequalified for a loan modification. I would have to send $4,076.50 per month for 3 months, starting on date 8-25-09. The impression I was given was that if we made our payments for 3 months, we would get the modification. She requested I fax 3 months bank statements with account numbers on all documents. I did as instructed.

I continued with the trial plan until on 10/31/09, I spoke with an agent requesting modification and she stated I would be better off with a new program which I complied. The agent came up with a payment of $3,453.14. On 11/03/09, I faxed over the requested documents; last 2 months bank statements, last 2 months pay stubs, 2008 taxes and IRS form. I did as instructed. On 11/18/09, I talked with Dorez, she stated that modification is going through at $3,453.14, my fax had been received.

During the next 19 months, I have had conversations with BoA multiple times per month, with me asking how is loan modification going or do you need anything else? Most of the time, I received the same answer, nothing was needed at this time. There were times every 3 or 4 months, they would state that they needed updated information. Which I complied with. In February of 2011, I received two letters requesting updated information including last 2 months bank statements, last 2 months pay stubs, 2010 taxes or P&L, and IRS form. I spent 2 weeks, after work hours, completing my bank account reconciliation to provide an accurate P&L. The information on the first request was due on February 30, 2011 not February 28, 2011. I printed my P&L on February 27, 2011 and faxed it over on the 28th. On March 4, 2011, I faxed the same information over to a different fax number.

On 3/22/11, I received a letter stating that I was denied because I failed to send requested information. After a couple of phone calls, I spoke with Rose. She stated that BoA scanned the two documents in on 3-01-11 and 3-08-11 and neither had the P&L. I explained to her how much time I had spent on preparing the P&L and I was sure it was in the fax I had sent out. Rose was helpful in that she would request an escalation and review of the loan. On April 4, 2011, after making my payment, I spoke with Gary and explained the missing P&L. He asked me to fax it with the recent PG&E bills to him and call back on the end of week.

After multiple calls of no new information, I called back in a few days. I spoke with Anthony on April 23, 2011 and he suggested I apply for a new In-House Trial. I had placed multiple phone calls until mid-June with the same no additional information needed. On June 22, 2011, I called in a payment and spoke with Tiffany and got the same response. On June 28, 2011, my bank informed me that I had an EFT that was sent back because of insufficient funds. The withdraw was for $3,453.14 (the only EFT I have ever allowed for that amount was BoA). I called BoA and they stated that I had okay-ed the withdraw on June 15, 2011. I explained that my bank account on that day was at $1,400.00. I would not have given permission to withdraw. She stated that she is going to follow up with a recorded phone conversation and she will call back tomorrow. No one has called back. At mid-July, an agent stated that they could not take my $3,453.14 because I was no longer in a trial period and stated that they could not accept a payment for less than $5,700.00.

On August 11th, I called B of A mortgage and told them due to having to pay a tax bill of $3,600.00, I would only be able to pay the principal and interest portion of my mortgage payment, with the impound amount being paid on the 29th of August. I was told by a gentleman named David that, "it would be fine, thank you for notifying us" and he would make a note that it was an authorized interest/principal payment. Well, the said David person never made the note.

On the 16th of August, the phone calls started twice, sometimes thrice a day. Each time, either my wife explaining or me calling them back and explaining to yet another person. After over two weeks of this nonsense, I found out that they sent the initial payment back to me saying that they couldn't accept partial payments. The other, impound payment, reached them on the 29th as promised and now we are receiving nasty calls saying our balance is now $3,000.00 and changed.

I finally got a hold of someone that sounded as though she knew what she was talking about. She said she requested a stop on the check, would put the funds back and applied to our mortgage and reverse the late charges with no report to the credit reporting agencies. Well again, that didn't happen. Finally, on the 31st, after three phone calls from B of A, I demanded a supervisor. After speaking with Stan in Texas, I was informed that he understood and that the entire thing was started by the initial David person that didn't make the above mentioned notes in my file. August 31st culminated in receiving seven phone calls from Bank of America. I feel this is blatant flagrant harassment.

I received a packet in January 2011 stating that I had been approved to have my mortgage permanently modified. It detailed the payment schedule for the next 25 years and all I had to do was sign the agreement, along with the other documents, and return them by 23 Jan 2011, which I did. I have been making my modified mortgage payments and they have been accepted by Bank of America.

Now, they are saying that because the Treasury guidelines have changed, the investors rejected my modification because my ex-wife didn't sign the papers. She was on the original mortgage note. In the agreement, there is a provision saying that she doesn't have to sign because her interest was transferred to me via a divorce decree prior to the beginning of the modification application based on my financial information only. How can this happen?

I applied for Short Sale(HAFA) on time. I received a call from REDC by an employee Prianka, that they received all of my application fine but asked for two corrections on 4506T. It was in August 22nd morning at 8:45am, I corrected and sent the fax right away. But I received a surprising letter dated Aug 24, 2011 that they didn't received my fax, so I lost my eligibility! I responded 100% on time as per their requirement. I have all certified mail documents on hand. I felt that they are trying to hide and elude customer like me with no minimum customer service. They didn't send me a letter of acknowledgment that they received my paper.

Besides, I didn't receive any letter mentioning what they want but a call only. Their letter has a phone number to communicate with last date. But last two days, I've been trying many times to reach someone live without any fruit. They are deceiving customers, blaming customer unjustly and not taking care of the customer at all. To me, this is a very serious issue and important. I'm getting frustrated. I need them to straight my case and take care of it ASAP. They have my contact number, I left many messages to their Audix system but got no response! They have horrible customer service. They also hide any supervisor's or alternate number to follow up too. All they are doing tactfully and seems like intentionally, to hurt the customers badly.

While I was serving my beloved country during OEF Kabul, my mortgage was with Countrywide. I did not know what was going on back home with the mortgage troubles of CW. BOA bought them out. I did file a form with the CW to lower my interest rate and payments under the Soldier's Relief Act. But in Dec. 2008, while in a combat zone, I believe BOA didn't honor that request from CW. I was injured while serving in Kabul. I'm still living from payday to payday.

Because of my injuries, the Illinois guard gave me a medical discharge. I was found to be unfit for duty by their doctors. Also, I'm retiring from my civilian job. I find it hard just to stay awake because of pain, medicines, and PTSD. I filed for disability with the VA 3 years ago on Dec. 09. I am still waiting for an answer. I've screwed up. At times, I wish I didn't have to put my family in this situation. They can't put up with my PTSD any more. I wish this would all end for me. God Bless all the vets who have to go through this. Sgt. William **

I have been trying since February 2011 for a mortgage modification. I lost my job in June 2010 after four and a half years with Wells Fargo Credit Card division. With the government changes in credit card laws and regulations, the bank I worked for had to incorporate new ways of generating income and I was unable to meet the new sales goal threshold that had been substantially increased.

I was faced with a mortgage through Bank of America that, at the time, consumed most of my income and I now had no way to pay for it and my monthly utility expenses. My unemployment was less then the payment alone, not to mention needing to pay the utilities. So, I kept up as best as I could for about three months and I was falling behind as time went on. I tried paying the mortgage by saving all my unemployment for one month, then using part from another month. I would use the other half to try and catch up on the utilities. I was able to receive SNAP for food assistance; that was a huge help.

After awhile, the winter set in--and in Oregon, heating with oil fuel is not cheap. It cost the same as a gallon of gas. I wasn't able to afford oil so I placed space heaters around the house to keep my children warm. I'm a single mom and have five children under 16. Obviously, my electric bill went up a lot. Now, I was faced with trying to continue paying the mortgage the way I was or pay the extra heating cost.

By December 2010, my unemployment ran out so by mid January 2011, I went to the Department of Human Services and applied for the TANF program for cash assistance. By February 2011, I contacted a company because I needed help to save our home (I have a complaint about the company I hired, but that's another story). I hired a loan modification company to help me with my current mortgage company in lowering my payment.

Over the course of the next several months, I was faxing and sending documents after documents. I was always being told that I needed to send even more bank statements because the others were no longer current or that they did not receive copies of my 2010 taxes. I must have submitted the same documents five to six times. After awhile, you have to ask yourself, are they really not getting these things or are they purposely losing them? Are they stalling for time in hopes that I will get employed with a good job so, then, they don't have to help? I emailed, faxed, submitted everything that was requested every time to the bank and/or to the modification company I hired.

During this time, I was asked to find a job. I did everything they asked right down to get a job! I was hired by the Dept. of Human Services Child Welfare on 01 June 2011. And then, here it goes again. They now wanted copies of my paycheck, which I had to tell them that I don't have one yet. When July came and I received my first paycheck, I faxed it over along with new bank statements because the others are now too old. Then, they asked for my second paycheck. I don't have one yet. When August came, I sent them the second paycheck along with new bank statements because the others are too old.

At one time, I asked, "Why the hold up? Why is this taking so long? They said that it was because they couldn't see my child support being deposited but once a month. I told them that it was because the state was taking it as a reimbursement for the TANF program when I was not working. They knew that I was on TANF at the the time because that was the proof of income that I was using when I started this whole thing. Finally, I have submitted everything (as in all financial documents) again!

On Monday, 28 Aug 2011, I got a call from my hired modification company representative and she said that Bank of America is offering me $1,381 as a payment. I told them, "How can that be a help when my original payments were $1,378?" She said, "They lowered your APR to 4.62% instead of 5% and that payment includes your escrow account, too (which pays the insurance and property taxes)." I told her, "So did my old payment." She responded with, "You know you are behind in your payments," as if I should jump on this offer. My thoughts running through my head were, "Really? Why do you think I hired you?" I ended the call when she told me that it was their best offer.

How could I give her an answer when I was disturbed by the news? Bank of America's best offer was to increase my payment. Bank of America told me that they were going to try and put me in the the program, "Making Homes Affordable." So, my question is, how did Bank of America's offer make my home more affordable? The payment already consumed most of my old income and I now have a new job that earns a little less per hour with no bonuses like the last job. But now, I get to pay a higher monthly payment.

The modification company representative that I was dealing with said that I barely made the 30% income needed to qualify for the program, which is a proof that I'm already under the poverty line. And Bank of America's best offer is 4.62% from 5% which also increased my payment? They dragged this out on purpose, I'm sure. They are taking advantage of the fact that I'm a little no one with limited resources, I'm sure. If I had money to afford an attorney, I would have gone that route first.

But, at the time, I had no job insight and I wasn't sure how I was going to keep the heat on in the house, let alone the water. I had already canceled the cable (out here in Tillamook, if you don't have some kind of cable, you are out of luck because there is no air signal). Not to mention that I had no knowledge of how to navigate through Bank of America's red tape to get a modification. There are a lot more details to this story. I emailed my modification company representative today and told her that the answer is "no." She needs to be my advocate and get me a better offer. My opinion? That offer was a joke. I don't think Bank of America's offer was what President Obama had in mind when he set up the loan modification. This is just more proof that a large bank can take advantage of the small consumer and call it good.

Shortly before leaving for Iraq, we received notice from BOA. It stated that BOA was assuming that they were the holder in due course of our note, and we were to make all further payments to them. So, we did, even though they raised our payment over 100 dollars a month because of "insurance changes". Looking back, this made no sense, as our property value has diminished considerably.

While deployed, BOA took two house payments out at once. After much complaining, it was returned, but not for 20 days! In the meantime, TB&W tried to debit our account, nearly 6 months after our loan was "transferred" to BOA. Well, the payment bounced of course. Thank God as we would have never gotten these funds back from TB&W. Our bank USAA refunded the NSF fees. On top of that, it is apparent that our escrow was never transferred to the new account. And we were never issued one of those fraud escrow checks from TB&W.

Regardless of your political persuasion, we, as Americans, have been victimized by these robber barons. Just look online and you will find complaint threads, hundreds of entries long, from people regarding these issues of foreclosure and homelessness. Fight tooth and nail folks. Join the class action lawsuits popping up all over the place. If I happened to come across with the CEO of BOA or TB&W on the dusty streets of Baghdad, they would be considered an unlawful combatant. And my use of force would be less than judicial.

We called back in April of 2010 to see if a modification would be right for us as we were scared about future income as it had significantly decreased at that point. They put our account into a modification status without approval from us, nothing signed and no paperwork. We continued to make our monthly payments, sometimes late, but made our payments.

August of 2011, I received a check in the mail from them saying it was not enough to make our monthly payment. I always pay enough to make the payment! After I called, they informed me that they had been taking our monthly payments and putting it into a partial payment account and not applying it correctly as a monthly payment and so we have been running a month behind for who knows how long and charging us late payment fees.

No one is helping us. It is not customer services problem. The modification department won't fix what they did. It is not the credit department's fault, yet they are all Bank of America and that is with whom we pay monthly.

Not right! I promised to pay a monthly payment for our mortgage and we did, yet they ruined our credit for it.

After never missing a payment and unsuccessfully being able to re-modify our mortgage, we were forced to short sell and closed our house this past May. As of July 12, 2011, Bank of America still had us as the owners and seven months behind in payments, instead of five. In August, they wouldn't give me a straight answer. They basically took the closing check and never took us off as owners. I was told that they were getting ready to take us to foreclosure even though we had sold the property over a month and a half before that.

Taylor, Bean & Whitaker went bankrupt in 2009. BAC Home Loans Servicing LP bought the loans. However, my last payment with TBW was never credited to my mortgage. And when BAC took the loan, they still show I'm behind on that one payment. I've tried to call the # on my statement. I waited 30 minutes to speak to a rep, only to get disconnected. When you call the # to make a payment, an automated agent says, "Welcome to Bank of America...We're a debt collector!" Now they are saying I am in default. I've never missed a payment. I need to know my recourse.

I, isidro **, tried for over two years to get Band of America to help me. I started 6 months before my payment was going to go from $2000 to $3000. Bank of America told me that I had to miss payments to help me. After two years, they foreclosed on me. I was offered money to move out by a Band of America Real Estate Agent and was told eviction was next if I didn't.

I had already been ripped-off my different companies for loan modification. I almost didn't go with CPAC Non-Profit Law Clinic for that reason. I am glad Mr. Gary **'s assistant showed me other stories of people they helped in my situation. Because I hired CPAC Non-Profit Law Clinic to sue Bank of America, I got my house back into my name, and all of a sudden, Bank of America now wants to give me my loan modification. If anyone is in the same situation as I was in, CPAC will give you a free Lender Fraud Analysis Report on your loan if you go to www.SueBofA.org. I am Isidro ** from ** and I got my house back because of CPAC Non-Profit Law Clinic.

At the end of April 2011, I applied for a mortgage refinance through Bank of America to drop my interest rate from 6.75% to 4.75%. My closing took place on June 30. Prior to my closing, I was not given a copy of my HUD to look over the final numbers. Also, no one explained the numbers on the HUD to me; not Melvin ** (my loan processor), nor Christine ** (the lady who put the HUD together), nor the attorney who was present at the closing.

The night of the closing, I noticed that two mistakes were made on the HUD: 1.) I was charged $3,503.40 for transfer taxes, when I was promised a CEMA loan with no transfer taxes. 2.) I was charged $1,963.20 for the 4.75% interest rate, when I was only supposed to be charged $1,210.93. (I was supposed to be charged for .625 points, but I was mistakenly charged for 1 point.)

Despite the mistakes, the attorney at closing persuaded me to sign the papers for two reasons: 1.) He told me to call Bank of America the next morning. He confided that Bank of America waives transfer taxes all the time. They would not want to risk losing my loan. He also told me that just that morning, the attorney attended a closing in which Bank of America waived all of the closing costs. 2) I would have three business days to file a right of rescission, so there would be no risk.

Against my better judgment, I signed the papers as the attorney advised. I called Bank of America the next morning and spoke to Yoshi ** (the loan officer I have been working with since April). Mr. Yoshi ** understood the mistakes that were made and that I should have received a CEMA loan. He was going to try and contact a manager to get my loan taken "one step back". (It was the Friday of the July 4th weekend, and I guess managers were few plus far between.) He also told me that if I did not hear back from him by Tuesday July 5, to definitely file the rescission papers.

But I did hear back from Mr. Yoshi ** a couple of hours later. He said that Melvin **'s manager Missy ** was on vacation, but he was able to get in touch with covering manager Jason **, and he was successful in getting my loan taken "one step back". According to Mr. Jason **, the closing papers would be "shredded" and it would be "as if the closing never happened". Mr. Yoshi ** has proof of this conversation.

I asked Mr. Yoshi ** if I should still file the rescission papers anyway, but he told me no. If I file the rescission papers, he said that it would void the entire loan, including all the work that was done over the past two months leading to the closing, and we would have to start over again at square one.

Throughout the month of July, Mr. Yoshi ** and Mr. Melvin ** continued to work on getting me the CEMA loan. I received a refund for the check that I had written out on the night of the closing. Bank of America was having trouble locating my original note, so on July 27, Mr. Melvin ** called me and offered to waive $1000 of my transfer taxes if I were willing to move forward with my loan without proceeding as a CEMA. I politely declined because I wanted the CEMA loan that I was promised.

Two days later, on July 29, my loan was funded. I don't know how that happened as I was assured by Mr. Jason ** that my closing papers were to be "shredded" and it was to be "as if my closing never happened".

To this day, I have been unable to obtain any kind of recompense from Bank of America. Missy ** (Melvin **'s manager) has been less than helpful, stating that a mistake was made, I should not have been told what I was told, and they cannot ignore signed documents. Jason ** has not returned my e-mails. I have also left a couple of voice mails for Norman ** (Missy **'s supervisor), but he has not returned my phone calls either.

I feel as if I have been defrauded by Bank of America.

I fit all the criteria for a loan modification with BoA, so 2 years ago I saw a lawyer. All the criteria, except being behind on my payments. Yes, we went without food sometimes but I got my payment to them on time. Unemployed at the time, the lawyer said to go 60 days in arrears, it sounded pretty good. Almost 60 days later, I got panicky about the vulnerability of being behind in my payments. I scraped it together and sent it all to BoA. That payment crossed paths with a nasty letter coming my way from BoA telling me in red ink and in a threatening manner that they were going to send someone out here to sieze up my property.

I'd sent the required documents just like everyone else has explained here. They requested duplicates and updates. When I called, I was transferred to this department and that department. Several times I was transferred to someone overseas who didn't have a clue; one, so called customer service representative started to cry and apologize and other times, I just ended up disconnected. The second try at sending documents went just like the first, I gave up. I have a sub-prime Countrywide originated loan that is set to readjust in a year and recently because I didn't respond to a third request for documents from BoA. I was denied a modification that probably doesn't even exist. I almost lost thousands of dollars in scams ready to take my last cent to save my home and actually do nothing.

What is really bugging me here, in addition to a possibility of losing my home to these thieves, is how a street thug can get hard jail time for snatching purses from old ladies and these corporate thugs get bailed out without permission from anybody. It looks treasonous to me. Where are the disgruntled masses, the public outcry? Sadly, two of my neighbors foreclosed; their homes sit empty now for months/years. This is a nice neighborhood, nice hard working people and it radiates out across this country and has affected the whole world economy. I don't know what's going to happen. My options are stalled.

I, like everyone else, have applied for a Home Modification Loan and was turned down for not having the right paperwork. I faxed the paperwork to them from my home bank. I also called the man handling my loan making sure that I didn't need to send in anymore paperwork and he told me that he had everything that he needed to send in. I again waited for months to get a reply, only to find that I have been declined. I called them again today and they sent me to three different people to get no results. I was also told that I could not appeal the decision because of the lack of paperwork.

My wife lost her job in September 2010. At that time, we approached B of A about a loan modification for our home. After nearly six months (and endless submissions of duplicate paperwork), B of A modified our loan a measly $45 a month.

Our mortgage is $2,000 a month and we're almost $100,000 "underwater". The dirty, sleazy secret is that B of A does not want to work with you if your home is Federally insured (like ours). They have already squeezed almost $150,000 out of us. Now they will foreclose and rip off the taxpayers for the balance of our loan. Aren't you glad we bailed out all of the banks?

Same complaint as every one else: I sent paperwork to them three times. Each time, they said they don't have it all.

Then finally talking to an Agustina **, she said email the paperwork to her and she'll take care of it. I've been talking with her for four months or so and everything was looking great. She said paperwork is with under rider and should get paperwork any day after we call once a week.

This time we called, someone else has a different story from this person who said our house is set to be sold on Sept.15, which is two weeks from now. I have had three heart attacks and probably have one more before this is over.

I have a mortgage with Bank of America for the last three years and never, I mean never, been late and never had any problems.

I applied for a rate modification in June of this year. I faxed and emailed all the papers into the office within two weeks of the initial loan date. I never got a call back from the loan processor and was told she was on vacation many times.

After sending many emails and voice mails, after getting the appraisal and paying $400, they now say they did not get the documents quick enough. Bank of America employees told me that they are very quick about returning phone calls. I have left 20 voice mails to four different people and I can not tell you how many emails I sent, and still no one calls me back. It's been two months and nothing.

I entered into a contract with Countrywide Home Loans in 2004. After Hurricane Katrina, my payments were suspended due to the fact that my area was declared a disaster area. I was told that I would be contacted within 90 days and instructed when to continue my mortgage payments. The 90 days past and I was not contacted by Countrywide, so I contacted them. I was informed that many people were affected by the disaster and to be patient and when they got to my account they would contact me. After a period of them not contacting me, I called them again and was told the same thing as before. Nearly a year passed before I was contacted by them although I called several times fearing that my mortgage payments were falling further and further behind.

My initial mortgage payment was $181.00. This included taxes, and homeowners insurance. By the time I was contacted by Countrywide, nearly a whole year had passed, and I was instructed to pay 332.00 monthly. This was a big difference from the 181 that I was initially paying. Because I had entered into a 30 yr contract, I felt that I was obligated to make these payments. I started making the increased payments but was sometimes late with the payments. In the beginning of 2009, I lost my main source of income and fell behind on my payments. When I received my income tax, I paid my mortgage through the month of July hoping that by then I would have found full-time employment. With the recession, I was not able to. During this period, Countrywide was taken over by BAC Home loans. I spoke with them and was told that I needed to submit paperwork for a loan modification. They updated my financial history and said they were sending out a modification packet and told me to sign and return. I never received the package despite numerous calls regarding not receiving it. I was told that they saw where it was suppose to be sent out and that they would escalate a package. This went on for several months.

In the meantime, they would not accept any payments. I went to a housing counseling agency and gave permission for them to discuss my information. They finally faxed a modification to the agency. We completed the packet and was told that I did not qualify since I have submitted two more modification application, and have not been contacted by Bank of America regarding the modification. When I call, they say I was not approved for the modification.

I have a home equity loan with Bank of America and I mailed in the payment. The check was clearly written out for $185.00. But Bank of America deposited it as $1,850.00 to my checking account. This caused my account to overdraft, not once, but twice, in the amount of $1,600.00. I proceeded to contact my bank and Bank of America. My bank, Wells Fargo, was able to input notes and make temporary adjustments immediately. Bank of America has taken a week to correct their error. It has taken many phone calls and yelling to try to get Bank of America to correct their mistake. I was told that the computer made the error, not a person. The check was scanned in correctly but the amount was not. I do not believe that this was a computer error. Their chain of command for this type of error does not work! This error should have been turned around in a day. So far, it has been four days and it still has not been corrected. If I could change my equity line to another bank, I would do it in a heartbeat!

Bank of America is unethical and appears to be operating above the law with no repercussions. I am a residential architect who has taken a huge hit in income--like 50% plus. I applied for a home loan modification over a year ago and was told verbally that I met all the criteria and based on my answers, would be approved. I was told to FedEx my paperwork backing up all the answers to the questions (that I answered honestly) to Bank of America to start the process. I was told what my new payment was going to be. When I asked what I should be paying, I was told, "Pay what you can. We don't want your house. Any late fees or remaining balance of payments will be tacked on to the end of your new loan (that you qualify for). Send the documents. We are backlogged so it might take two to three months to hear from us."

So, I started paying the modified rate as that is what I could truly pay. I didn't hear anything from BOA for a couple of months so I called to see where I was in the process. This is where the lies and deceit start. "We never received your paperwork," they told me. I was told that it would be another two to three months to be processed. Two to three months later, I was told that I was denied because they "couldn't contact me." Apparently, they didn't think to mail me at my house or call on the number that I listed on the modification application. Instead, they called my old fax number. After not being able to reach me, they "dropped my application" and I would have to "start the process all over." At this point, I was $7K behind in payments (including all the late fees). I got a hold of a "customer service representative" who was "appalled" to hear what I had been through. She promised to personally take care of this. I had to reapply and start all over. At this point, I needed this to work as I had dug too deep of a hole to crawl out.

After about a year, I received a phone call that I was denied again because my loan was actually through Ginnie Mae and that entity was no longer participating in the home loan modification program. When I asked for their contact information to verify this, I was told that she (agent on the phone) didn't have access to it. Once I receive my denial letter, which would take a month to get, then I could reapply for an in-house loan modification. But, I was informed that BOA doesn't follow the same income to payment ratio rules that the federal program does. And, it shows that I have $44 left at the end of the month so I can technically afford my mortgage. So, if I get approved for in-house loan modification, it will be the original amount plus all the remaining late fees and unpaid balance. At this point, I stopped paying my mortgage and contacted a lawyer.

It turns out that my loan isn't even with Ginnie Mae; it is with Freddie Mac. I was recently informed that I am now almost 12 months past due and I better pay up because after 12 months, I will no longer be eligible for any modifications. I am a single mom. I just started grad school this week to get my masters so I can teach. I had an anxiety attack in the classroom today and I had to walk out after receiving a FedEx package that I know is a foreclosure notice. To me, this is criminal. I certainly could use some advise on how to handle it, both legally and emotionally. I have hidden the FedEx package and I wont open it until I feel strong enough to deal with it (scheduled for tomorrow). I haven't told my kids anything.

Two years ago, I applied for a home refinance with BOA. When I realized they were taking a long time to respond, I contacted them only to find out they lost my paperwork. In October 2010, I reapplied for a modification. On August 18, 2011, I received a letter telling me that I am not entitled for a modification because I did not submit the paperwork they requested. The file was reviewed, only to find out all the paperwork was not in order. I was told I will have to reapply.

I applied for an FHA loan for $180k and 5% down in early July 2011. The property's FHA certification had expired on 05/31/2011, so the bank said they needed various HOA related documents. I had to purchase all these documents from HOA for about $600. After 1 week on pestering about update, I was told the property approver was not satisfied with HOA maintained documents. She needed county records maintained documents, FEMA flood map, HOA insurance certificates, State sealed Certificate of Incorporation, Title Document, etc.

So I again spent a ton of money to purchase and send the documents. It's end of Aug. 2011, my closing date is Aug 31st and the bank is still playing games asking one document after another about the property. It has been an ordeal since the day I applied thinking it would be quick since I have been their customer for 6 years, had all my bank accounts with them, had a high credit score and excellent credit history. What amazes me is that the load is for just $180k (a very small amount compared to average house prices) and I have excellent finance records; but the bank seems to be more concerned about the property HOA itself than the borrower.

I would really appreciate if somebody could suggest a way to sue this bank and get back all the money I am about to lose for documents, attorney, advance title ordering, etc. The bank takes processing fee for name sake, it does not do a thing, everything the borrower has to do and all documents borrower has to acquire. FHA loans are supposed to help a first time buyer of home easily when down payment capacity is low but credit history is excellent, but in Bank Of America it's a big joke. There is a bunch of over smart officers in the bank whose only intention is to harass the customer and make them lose as much money as possible. I am surely closing all my relations with Bank Of America and going to advice my relatives, friends and colleagues to do the same.

I have had it with Bank of America's customer service and the bank's home mortgage company! I wrote this to Bank of America after they sent a company to post a letter on my house stating that my house was up for AUCTION, August 26, 2011, after I have been in a repayment "forbearance" contract for almost a year. I have made my payments on time with my last payment due in November to cover my back payments.

This is a complaint! I have been told by several Bank of America customer service department representatives that this letter will not be thrown in a pile of correspondence letters, and I was assured that complaints are addressed in a timely manner. So I am putting my trust, once again, in the big black hole of Bank of America's many secret departments to handle my now 100th complaint!

I have been in contact with your Customer Service Department since November of 2009. I have on file at least 20 names of whom I spoke with and at least 11,800 numbers that I have been transferred to or have called. The only real 800 number that is consistent is the 800 number that every representative has given me which is to the Housing and Urban Development "HUD".

In July 2009, I lost my job and I contacted Bank of America to make them aware and to let Bank of America know my financial situation and my inability to pay my mortgage. At that time, I had zero dollars of income and was told that I did not qualify for the Making Homes Affordable Program. I could understand that because of my income, I was sure that I would get another job soon and catch up on my mortgage payments. I kept in touch with Bank of America to keep them abreast of my situation and in November 2009, I called Bank of America and was told by a Bank of America customer service representative that I was not adhering to the repayment plan that I agreed to; which was odd, because at the time I had never agreed to a repayment plan. When I was told that I did not qualify for a mortgage modification because I did not comply with the three-month trial repayment plan, I was SHOCKED to say the least since I never knew or agreed to the three-month payment trial plan.

In December 2009, I received a part-time job and I contacted Bank of America to start to make payments and I asked for forbearance on my back payments to try to catch up and I was told it was in review. After several months of talking to many Bank of America customer service representatives telling me that my loan was in review for a forbearance, I received a certification letter stating that my house was in foreclosure. I immediately called Bank of America and the representative told me that my loan was still in review and that the letter was a formality and to keep making my payments, SURE!

I then contacted HUD for help and a HUD counselor helped me to put a budget together and we submitted it to Bank of America for my shot at some type of help since I now had a full-time job and was able to make my payments and pay back my back payments. After going over my financials with a Bank of America customer service representative, I was told that I made too much money now to qualify for the Making Homes Affordable Program. He also told me that I could not qualify for a loan modification because I had too much debt with my student loans to be considered for these programs. Now Bank of America not only go by my stated financial and budget, but have pulled up my income to expense ratio from my credit report. I thought to myself, is this some kind of joke? At this point, it has taken me almost two years of my life to get back on track with my mortgage with absolutely NO help from Bank of America!

At the time of the call with Bank of America, I had the HUD counselor on the line with me and she could not believe her ears since this was the first time she had ever heard of this procedure; to use a person's credit report to look at income ratio to expenses for the loan modification. WOW, I just felt screwed again!

I couldn't BELIEVE that there was no help for me! So I called back and insisted that Bank of America review my income to debt ratio again since my student loan was in forbearance for two years and that my student loan had not even been activated yet since I was still perusing my education. After many faxes of my credit report and a statement from my daughter that I was a co-signer on her car and that her car was her expense, I finally was able to sign a contract with Bank of America stating that I would pay $4500 upfront cost for late fees and attorney fees, etc.and after the initial payment, I would have a year to pay all my back payment while still maintaining my monthly mortgage payments. A total of $2249.80 per month for the next 11 months. My payments began December 2010 and is scheduled to end November 2011!

I have made these payments consistently without being late each month since my contract began with Bank of America. Since then, I have been harassed by Bank of America Correspondence Department stating that they have not received my payments. After I called yet another Bank of America customer service representative each month and told them that I have made my payments, I am given the same nonchalant attitude, "oh those are automated letters" just disregard them if you have been making your payments. Are these people trained in telling you nothing, absolutely no information! All I ever heard from them is "I'm going to update your file, I'm putting this in the NOTES".

I know that I have complained to no end about Bank of America's customer service, but this is where I have hit bottom and why I believe Bank of America home loans has to held accountable for the stress that they cause their customers. On August 6, 2011, a server employed by ReconTrust, a business that Bank of America contracts with to place foreclosed homes on sale for auction, came to my home and posted a letter on my house stating that my HOME is set to go to AUCTION on August 26, 2011 at the San Bernardino Court House! This was the last straw! I called ReconTrust to find out what was going on and to assure them that I have been in full compliance with my contract with Bank of America to make all the back payments to date since December 2010. Their response was that Bank of America has not sent them the letter of postponement to close and bill. In the 9 months that I have been stressed out about this foreclosure, Bank of America has not sent the letter so that my house will not be put up for auction. I could not believe it!

I immediately called Back of America and spoke to another customer service representative, which was going nowhere. I then asked to speak to a supervisor and I was transferred to Alma. Of course, Bank of America will not give out the last name of the representative; it must be another Bank of America secret! She told me she would personally handle this and that she would make sure that the letter of postponement was sent to ReconTrust. It takes 48 hours to complete and be sent, she told me. She even told me to call within 48 hours and ask to speak with her to make sure that it was done. I hope that the person reading this understands my frustration when I say, why should a customer (myself) have to call a huge corporation which has been in business for over 100 years to see if they are doing their JOB! I am amazed at how Bank of America does business. I have never done business with such a large corporation that needs customers to call and remind them to do their job, wow!

Needless to say on August 17th, 9 days later I called, which was well over the 48 hours Alma had given me to call back. I called and was told that I could not be transferred to Alma. So I was transferred to another Supervisor "Crystal Ann" who told me that the letter was not done! Let me remind you that my house is up for auction on August 26th.

I need this letter of postponement completed and sent to ReconTrust immediately! Am I asking to much? Still to this day, August 22, 2011, the letter has not been sent. I wrote a letter to my congressman and even the President Obama about the laws that were passed to help homeowners save their homes and to tell them that the big banks that cannot fail are screwing middle class Americans out of their homes and, at the same time, handing these homeowners with the bill of the TARP bailout.

What can we do to hold these banks accountable?

Our roof collapsed last winter under the weight of the snow. Bank of America holds our mortgage, thus insurance checks must be endorsed by them. Our insurer finally issued The Big Check, the one that would get the repair work started. The Waltham, Mass. branch manager took the check and mailed it to California for endorsement and promised to FedEx it. He enclosed instructions to mail it to our temporary address and he said it would be a four-day turnaround.

Ten days later, I called California BOA. They were returning the check, just then, first-class mail to our home. The home where no one lives because it has no roof. I asked them why they didn't follow the instructions and they replied, "This is your address of record."

I called the Waltham branch manager to find out why he mis-represented the process to us and learned that this little weasel had been promoted and was no longer there. So here we are ten days later (20 days have elapsed since receipt of check) and the check is tangled or lost in the forwarding process.

We applied for the modification program over two years ago. We faxed, mailed, and Fed Ex the same paperwork more than we can count and also spent more time on the phone with them than with my mother. There was no answer from them for two years. Finally, we got denied after doing everything they asked for. We have no late payments but they screwed up our credit, as well as our property taxes and insurance. We can never get a straight answer from any one of the many people we have spoken with.

Because of BoA, we cannot refinance and are stuck in a mortgage that we cannot afford. They Suck!

I am writing in reference to account number ** and the challenges we are having with our loan modification request.

We began this process in June and each time, I submitted the requested documents in a timely manner as I was told that Bank of America has to have all of this information they need. After a few weeks, I was told additional information is needed. It is now nearly September and I was just asked for additional information, some of which we have already submitted. When I asked why underwriting did not do this earlier, I was told that Bank of America has to make sure their employees are taken cared of, therefore, there have been several employees taking their vacations.

While I understand your desire to maintain a strong work life balance for your employees, we are trying to retain a home for our six children. Until this summer we have never had a delinquency from our mortgage on our credit and so, some of this could have been avoided if our request was processed in a timely manner.

I will fax the documents I was asked, this will be done tomorrow morning. I ask that this request be processed by modification, streamline interest rate reduction, or forbearance, whatever can be done to assist us. I also request that this be processed by the end of business day on Friday, August 26, 2011.

I have also filed complaints with the same problem and proposed resolution with the BBB, OCC, and Consumer Affairs.

According to a Bank of America representative, we started the loan modification process on June 20, 2011 by faxing the bank statements, check stubs, tax return, a letter explaining the hardship request and indicating that my spouse has no income, and my check stubs to the attention of Isaac. Then on the first week of July, we were told that the documents had been received and Billy ** (877-447-4022 x**) would be processing the request. Also received a FedEx package on July 5th and immediately completed the papers and mailed copies of everything I faxed. These were returned by FedEx next day delivery.

I received a letter from Bank of America indicating that a proof of income for my husband was needed. I notified Billy again that my husband has no income. For the first time we were told that a profit and loss statement was needed. We faxed him the statement on July 14. Billy indicated that Bank of America now had all that they need to process the request and hopefully it would be processed within two weeks. Then I spoke with Greg ** who advised that the signature page of our tax return was not signed and underwriting needs a signed return. They also need another letter explaining the reason for the hardship request and a bank statement for July.

Tyila **

I was terminated from a job I held for over seven years by new business owner in September 2010. This is after trying to help former owners save their business by accepting a 25% cut three years prior. This literally wiped out my 401K to pay all bills. Dumb decision on my part. We had to refinance our mortgage in February 2008 with Countrywide (Bank of America). It was a huge mistake! My home is now worth exactly half the 2008 appraised value.

Beginning January 2011, we applied for home loan modification with the folks who always say, "we are here to help". Right! Help themselves!

Ms. Yalonda ** was my contact via phone and email. Just like everyone here, we spend hundreds of hours on hold, on the phone talking, sending Fed-Ex, faxing, and of course replacing those missing documents that they always seem to loose.

The crowning blow came when Ms. ** insisted that we filled our tax form incorrectly and needed another one. I ask what was wrong with the one I sent and she said our zip code was incorrect. I stated she could correct it if it was wrong and she said by law she could not. I then asked the exact problem with the zip code of 92057 and she said that the seven looked like one!

As usual, they, no matter how stupid or dumb the statement, always win. I sent yet another tax form, which she received. She then told me that all my paper works were good and correct and that she will be forwarding it to the underwriters after which we would surely get a loan modification. Right! The very next day we received a letter dated a week prior informing us we 'did not qualify' and we were being denied a modification. From that point in the early spring, Bank of America has ignored or intentionally lied to us concerning any and all information of our mortgage. We have repeatedly requested a copy of our original mortgage paperwork between Countrywide and us. We have repeatedly sent numerous copies of our offer to re-negotiate our mortgage and resume payments.

We have, on many occasions, requested accurate information as to their refusal of a loan modification. All to no avail! Oh, they did acknowledge our letters, promising an answer within 20 business days. As with almost everyone else I 'm sure, those answers never arrive!

In early spring Bank of America sent a 'Notice to Accelerate', demanding a double payment of over $4,000. This was the last time we paid them, which did brought our account current. After they received the money, only then did they notify us that nothing changed and they were still going to foreclose on us. It is unbelievable that our country has been reduced to allowing dishonest business practices like this to be perpetrated against millions of us with no known recourse.

At the beginning of August 2011, my wife of 43+ years and I, filed for bankruptcy after exhausting every effort to attempt to save our home of over 22 years. Our attorney said "maybe" Bank of America will reconsider a loan modification after the chapter 7 is completed.

We applied for a mortgage modification multiple times over the course of 2 years. We were denied. But an escrow account was opened, without our knowledge or consent, in order to pay property taxes and insurance. (We were current on both as well as our mortgage). We began getting calls from the mortgage company saying we were late on our payments. When we contacted BOA to find out why our mortgage payments went up $500/month, they told us about the escrow account. And they refused to close it. We hired a lawyer who told us it was taken care of (he got a letter from BOA saying the account would be closed). Two months later, the account was still not closed. Late fees had been accrued. BOA sent us a letter of intent to escalate (begin foreclosing). This nightmare is still not resolved and all just to try and lower our outrageous mortgage payments.

Somehow in their system, it shows late and unpaid payments. I have never missed, or been late on any payments. Every month for the last 8 months, I have to call and have them look into it. They (BAC) would say it has been adjusted and fixed, but would take a few days to reflect. The next month it starts all over again, with the calls. I pay all my home insurance and taxes. I have all statements as proof of all my payments, but the problem still exists. It's not getting anywhere.

We accepted a modification and the representative took our payment over the phone and was supposed to cancel the payment that was set up online. A week later, I see a message saying that this payment is set to draft. I call the online banking department to verify that it won't. On the 15th, the payment comes out. I call customer service and they put the $1,900 back into my account. The very next day it drafts again. I have now spent 3 days and about 4 hours on the phone with different departments to try and get my double payment refunded. There is still no resolution to date.

I have been trying to modify my mortgage since 2010. Back in December 2010, I was called by the Bank of America collection department and the representative advised to collect the four months that I was behind from my family. She also promised to modify the loan after the loan is current. Now, I owe money to my family. I am in the same situation. I have met all the requirements for MHA Program, but they still refuse to help me. Instead, they told me to fill out some documents and told me to lie about my own expenses and qualified me for a regular FHA program then put me the same payment I originally had. I cannot afford that payment.

I acquired this loan, ten years ago. It is a home equity loan. I never drew on it and the balance never changes. Each month, I make the payment that is on my statement, and the next month my statement says I am behind. So, each month I pay two times what the statements say. So, I think each month that I am ok, and then they do it again. This company is extremely ripping me off, and they need to be investigated. I have had enough. Please help.

Below are the time frame and details of the problem.

Countrywide, the organization that the loan originated with told me that I was not eligible for a loan modification due to lack of equity. In January 2011, I called the Bank of America Mortgage Servicing Department at 1-800-669-6607 to discuss my options due to financial hardship and short selling my home. However, I was advised that there was nothing that could be done until I had an offer on the house.

In March 2011, I was advised of the new HAFA program changes. I called back and my call was transferred to what I was told was the Short Sales Department at 1-866-880-1232. The representative from that department transferred my call again to another number, which is 1-877-863-9324. All of which continued to blind transfer me that results in repeating my name and telling the entire loan situation again. Then, I got disconnected.

I requested the numbers I was being transferred to and started asking for names. On 3/17/11, I spoke to Jim who informed me that the system was down so I should call back. I asked if I could receive a call back when the system is up. Jim replied that as soon as they are able to resolve system issues, they will have someone return my call. However, no one called me back.

In the afternoon of 3/18/11, I called back and was able to speak with Crystal. She said that the system was still down but someone would call me within 24 hours to initiate the process. Again, no one called back.

Finally on 3/21/11, I called back and explained my entire scenario to Patrick who instructed me to submit all the required papers. On the same date of my discussion with Patrick, I sent a fax (Attention: HAFA Short Sale Team) to 516-832-4999 and included all the required documents. Within 14 days after our discussion that I was told it would be reviewed by BOA underwriters. It was my understanding that it would take 8 weeks to disposition as it is related to the HAFA Program's Short Sale approval. Below are the documents included in the fax.

9. DoddFrank certification form

On 3/24/11, I called to follow-up on status. Tony responded and explained that my signature was required on tax documents. I explained that this was sent via fax on 21 March 21 2011. At that time, I was told nothing was required. Tony put me on hold. When he came back, he stated that everything was uploaded and an appraiser would be visiting the house within 4-6 weeks to determine the list price. So, I should call back in about a month.

On 4/22/11, my job with MGM Resorts was ended and I had the layoff letter sent through fax to the BOA. AMS confirmed receipt of the letter but I was told that my case was denied. The decision was made before I sent the layoff letter. Since they have a proof that I was no longer employed, I asked to reconsider my case. They said that all they could do was to open new case and include the fact that I was now unemployed.

On 5/4/11, I called back to check on status and I believed Rose told me a new case had not been opened. I was then told that BOA Short Sales would open a new case and transfer the documents to AMS for processing. Since I had been laid off from my job and all the required documents was uploaded, I was told that there should be no issue processing the case. So, I should give it about 6-8 weeks before I called back.

On 7/1/11, I called back to check on status and Andrea said that I was declined due the bank statements, which were not dated within the 90 day period. I indicated that when I called on 5/4/11 I was told all of the required documents was uploaded and nothing else would be needed to have an appraiser visit the house. She explained that my documents were never been transferred to underwriting. To complete the required documents, I sent them again the requested bank statements through fax.

On 7/25/11, I called to follow-up on status and spoke to Geno. He told me that the information was not only transferred to the underwriting, also, a new case was never been opened. I was shocked and asked what could be done. He said he would open a new case and I should go ahead and send via fax the bank statements again, which incurred me another fax fee. I was told that once the bank statements are received, there should be no issues and it should go to underwriting.

On 8/15/11, I called back and spoke to Tamara who said that my case was transferred to underwriting, but they denied the case because I was missing a signature on the 2009 tax documents and all of my other documents were now more than 90 days old. I explained that there must be an error because I had sent the documents five months ago and they had confirmed the receipt of those. I was told that it was my problem because I didn't send what was required and I should have called daily to check on status of my case. I said that I was told that phone calls should be limited so as to give the underwriters a chance to review my documents and make a decision. When I expressed my frustration about the conflicting information and instructions given to me, I was told that there was nothing that could be done but to start the process over again. If I wanted to be considered for the HAFA program, I was told to send all the required documents dated within the past 90 days.

Amervis **, formerly Amervis **

We are a metro Atlanta couple. We were never late on our first mortgage, second mortgage and on our Bank of America credit card. We went in to consolidate everything but fraud took place when the loan product was done. Loan product should have been consolidated but a third, fourth and fifth was done!

We went through the proper channels to have the bank pay off our then attorney M. **. The now incarcerated, ex-attorney, who stole from Bank of America under a line of credit loan fraud scheme (given to him to look the other way), left us with a federal case of fraudulent signatures. Judge Martin sent a warning that we would be back to fight the case because all the facts are clear to win! We just need an honest attorney to do so!

Bank of America states that they would work with me; in fact that is not the case at all. I do not understand what else can I do. I am writing with regards to my mortgage lender, formerly Countrywide, now Bank of America (BAC), which is where my problems began.

I have paid by mortgage for the past few years. It became behind on the property taxes and was taken over by BAC, which doubled my monthly payment due to loss of income over the past few years varying from reduction of work, lost of job, health and medical reasons. In lieu of these ups and downs, I maintained communications with Countrywide/BAC and made original agreed upon payments. In the month of June 2011, my payment was returned. I contacted the BAC and I was advised that I was not in foreclosure. Also, on that date, July 20th, my understanding was applying for a loan modification and a package was being mailed to me to be completed and returned after receipt.

After a few weeks of waiting for this package, I contacted BAC and they referred me to a nonchalant customer service person, stating that I had been placed in foreclosure. I had made payments each month, and made every attempt to keep BAC abreast of my financial situation, stating my intention was that I want to keep my house and I am willing to continue to make payments. They assured me that I was not in foreclosure.

Is there anything else I can do? This company, Bank of America, have breached their agreement and this is not fair. I want to notify others of these unfair practices.

On March 2011, BOA sent a bogus auction letter regarding our home in foreclosure. There was no auction held and they continue to deny ownership despite accepting a Deed in Lieu form after they turned down two short sales from our Realtor. After a Trial Period Payment Plan was completed, we were denied the Loan Modification. They reported a larger mortgage balance to credit reporting agencies.

The home is now vacant so BOA has placed insurance on the property in a ridiculous amount. It is over-insured substantially. Just yesterday, they mailed another Loan Modification Trial Period Payment Plan and a letter from an attorney confirming a foreclosure in process.

On a daily basis for two years, BOA's collection department calls us with their automated phone system. They continue to stall, confuse and deliberately harass our family and I have now filed an official complaint with Lori, the Minnesota Attorney General.

We have not made a mortgage payment in 37 months and they will not foreclose on the property! They forced us to try short sale and we've had three offers fall through. Still, they will not foreclose.

We are powerless to move forward and try to rebuild our lives until they foreclose. All the while, they have been reporting us late on our mortgage.

We had our dream home and we could manage our payment just fine. In May 2008, my husband got laid off. He found a job making about half as he was making before. We managed to make our payments on time for the next nine months.

The first time our payment was late by two weeks, BOA sent it back two weeks later and said they could not accept it without late fees. I resent the payment including late fees. By this time, our next payment was due. So again they sent my payment back and said they could not accept it without the additional payment that was now due. This is how we got 30 days behind. I told BOA about our situation and asked it they could at least accept the payment that we did so we would only be behind by the current month instead of the 30 days. They refused our payment.

By the next month, we were now 60 days behind. We had two payments to offer BOA but were due three payments. So again they would not accept it. I talked to several departments and several unhelpful, unkind BOA representatives. But each month we got more and more behind, although we had all but one payment available in our bank account. We just could not come up with that last payment and all the late fees adding up.

Once the government came up with the Hope plan, we applied through BOA. We were told we needed to fax and Fed-ex our paperwork and we would have a decision within a couple of weeks. The woman we spoke with (and BOA's website) said that as long as we had been in our home for more than a year, it was an FHA loan and we had a major life even such as job loss or medical problems, then we would qualify. We fit all the criteria. We were told once we were approved we would get a lower payment and a trial period in order to qualify. We were told we would get the decision by the 21st of that month.

By the 21st, we had not received a call or paperwork. So we attempted to contact BOA. The first call, we got a machine that said they were closed at 8 p.m. EST. But it was 4 p.m. MST, which meant it was only 6 p.m. EST. We kept trying until finally got to a representative who said she could not comment on our case and she would transfer our call to the appropriate department. That transfer ended in a disconnected call. The next three calls were similar and we did not get to talk to someone about our case. The extension we had for the representative working on our loan always lead to voice mail and we would never get a call back.

The morning of the 22nd, we received a foreclosure notice on our garage door. The notice did not say they were about to foreclose. It said they had sold our home and we had five days to vacate. The notice was dated for the previous day, so that five days was already down to four. Every lawyer I called said there was nothing they could do. They said they had hundreds of complaints about BOA and nothing was being done about it.

Every cent we had we had put into making our house a home for our three kids. There was no help. We did not want someone to pay our mortgage, we just wanted the payments to be accepted. It is devastating to tell your three young kids that you have to move without warning. That was the home we planned to raise our kids. BOA has not just screwed home owners, they have torn kids away from their homes.

I was told numerous times the dates I would settle on my loan. Then, the bank would change the date the night before I was ready to settle (after I had taken off work) and was told the bank did not complete the needed paperwork!

When I bought my present house, I was offered to be tested on a 120-page book. And if successful, will be given a rate of 3.75%. I aced the test and was told that I was eligible.

While talking to the loan manager, I asked if he thought the rate would go down. He said if I knew that, I would be a millionaire. I said fine, lock it in and he okayed it.

I was delayed because this housing complex had tons of legal nonsense to fill out. Like: if I ever sell it, 95% of the profit goes to them and other such things. When I finally sat down with the lawyer to sign the paper, it said 4.75%!

I told the lawyer that I had locked it in at 3.75% and this guy had obviously taken advantage of me, seeing that I sounded naive. This lawyer was in training and said I believe you but you'll never prove it so just forget it.

Later, I found out that not 1, but a number of my friends had the same experience with this same guy! I wished we could have made a court suit. I wanted to pose as a buyer and record him to catch him in the act, but you know how it goes, time goes on and we lose our drive and forget about things.

That's my story. I hope this guy is fired by now and has stopped swindling people.

I have been trying to do a home modification loan since November. I sent and faxed all the paperwork needed, only to be told that it can't be found. After I resent the necessary paperwork to Mr. ** in April, he emailed that the paperwork is going to the department in charge of modification.

When my wife called in July, they told her that the bank statements were missing. So she faxed 20 pages to them. They told her that since they may need the actual statements, she would have to order the statements from our bank.

After the bank charged us $12 for copies, I still have not heard back from them. They are giving me the runaround. I'm still paying my current rate, but am behind a half payment.

Bank of America sent my account mortgage for collection under the false pretense that I had missed a payment. Bank of America withheld my payment for July 2011 and refused to post it to my account for over 30 days.

Days after they had received my August 2011 payment, Bank of America mailed back to me my July 2011 $4,974.97 payment taken out of my account for over a month, stating that I had made a partial payment. Apparently, I had made a 0.23 cents mistake and that was enough for them to threaten me with foreclosure.

Be careful of Bank of America. They are an unethical organization not willing to follow any legal procedures to fulfill its predatory practices.

In February 2009, I signed, had notarized and FedExed my loan modification documents to Countrywide Home Loans. Our documents stated that our 1st payment would begin on March 1, 2009. We sent our payments as agreed.

A few months later, we received a notice that Bank of America had bought out Countrywide and our payments should now be made to "Bank of America, LP". In October of 2009, we start receiving phone calls from Bank of America saying that we were a month behind on our mortgage. We have tried on several occasions to talk with Bank of America by telephone to get things straightened out. We got nowhere.

As months passed by, we were still receiving phone calls 5 or more times per day until the next payment was paid. We were told by Bank of America to go to a local branch to get it straightened out. We went to a local branch twice. The first time, in 2010, we took copies of cancelled checks, etc. proving that all payments have been made and are up-to-date. We were informed that the information would be sent to Bank of America corporate office or headquarters to get it straightened out and that we would be contacted with the results.

When we did hear from Bank of America, we were told that we were still behind. We kept sending our payments on or before the time to assure that they were not late. We kept getting phone calls and threatening letters.

In March 2011, I sent a letter to Bank of America explaining to them the same things we had talked about to the local bank and what we had talked about over the telephone. I received a letter from Bank of America telling me that they received my letter and that they were looking into the situation and will get back with me.

Until this day, I have not heard from them about their findings on the matter. Now I have received a letter from Bank of America giving me till the 18th of August 2011 to pay a certain amount of money to bring my loan up to date or they will start foreclosure procedures. We know we are not behind like they claim and if they do start procedures we will take them to court.

In mid 2009, the only debt I owed was $5k on medical bills and $240k on a house. We owned everything else outright. I lost my job due to carpal tunnel syndrome. When I called BOA to say my payment would be late, they were downright affectionate! They said, "How can we help? Well, we'll put this payment on the end of the loan and you're eligible for HAMP. We're here to help!" I did the paperwork, and that's where the office of circumlocution came in.

Over and over, we put the loan numbers on top. Then we faxed it, and it wasn't received..whatever. After panic attacks, EKGs and trips to the hospital, I finally went to an attorney. The attorney explained that HAMP is an unenforceable law. I was also told that the banks do not want my house, but they love the PMI and FDIC insurance payout! In general, they are 80%, which at present exceeds the value of most homes. Not to mention, it's all a little suspect when a program emerges that pays people to do deed in lieu for about $3-5k.

Without missing a payment, we got a letter kicking us off the "trial". They were asking for the money they had "saved" us and $4500 in "legal fees"(huh?!), or else we'd be foreclosed. The letter gave us 30 days or else we'd face foreclosure action. By the way, most of our paperwork had less than a 2, 7 or 10 day turnaround time.

So, if the cases start going better, please give me a call! In NJ, it's dreadful how much deference the banks get. I wrote a formal complaint to Comptroller of the Currency. BOA told them they made me a formal offer, which was an outright lie. I told the Comptroller, with confidence, to simply request a receipt to show I got it by mail/ courier. They didn't even reply. It is amazing.

I applied to purchase a Town Home in Scottsdale, AZ. We are 87 and 74 years of age, credit score 805, have home in TX with no mortgage, no loans of any kind, no outstanding debt, good income, more money in the bank than the purchase price of the Town Home. We were pre-qualified by BofA in April 2011.

I asked for a $60,000 mortgage on an $89,900 selling price from BofA, only to be hassled for many duplicate and unnecessary documents by Loan Processor Mary ** and 3 other loan processors. We flew to AZ for the third closing scheduled for Friday 06/17/2011. Wednesday, 06/15/2011 was the day I saw my husband so anxious and upset because the closing set for 06/17/2011 was stopped for more of the same documents. We flew home to TX on Thursday, 06/16/11.

In the early morning of Friday 06/17/2011, I rushed my husband who has never had a heart attack to the local Emergency Room with a heart rate of 30-24, a pacemaker implanted within about 4 hours saved his life. The same day, Friday 06/17/2011, we received another package of document requests for the same documents that had been faxed to Loan Processor Mary ** by our local BofA many times. BofA charged my credit card $460 on 06/11/2011 for the Appraisal and Credit Check which were advertised as free if you financed through BofA. BofA has not returned the $460 although our local BofA is still trying to have it returned to us. I have all documentation printed. We gave up on 06/15/11 and amazingly, we found on 06/11/2011 that BofA had the property relisted while we were still in AZ. It has been resold as of 08/10/2011 for a lower price. Guess Mary ** didn't want us to have a second home. Thank you for listening.

I have been in the modification process with Bank of America for over two years! First, I hired a lawyer which they recommended. She took the money and did nothing nor have I heard from her again. Now, I am handling everything by myself. I have submitted all of the paperwork that they have requested FOUR TIMES (2 times via FedEx they provided and 2 times via fax). I have documented every aspect to the modification process and each time, I was denied due to the "discrepancies" with my documents. But get this, they cannot tell me what is wrong with my documents. They are just telling me that it is incomplete or missing. I have been through every piece of document up and down and I don't see the problem. They say they are here to help, but in reality, they cannot wait to get their hands on your home.

Bank of America's employees kept calling and bugging me few times a day to ask about when I would make a mortgage payment. This is even though the mortgage payment is due at beginning of the month, but I have until the 15th to pay to avoid a late fee.

Tim, I finally got the courage to call the bank today. I had a feeling this would all crumble before me again! First, I spoke to Jeremy at telephone number 877-477-4002. He said I was in the process of the Hamp Loan Modification (whatever that means!). He transferred me to Lawrence (800-669-0102). Lawrence said that my loan modification was declined on 6/9/2011, and I would need to apply again (how many times do I need to reapply?)! I asked to speak to his supervisor and I got Mr. **. He said that the last person to handle my loan modification was you.

Mr. ** also said that he was going to escalate the codes in the system (whatever that means!). Overall, I have no idea what is going on! Now there seems to be no notes on my account. I wonder why Bank of America would even allow their workers to delete any notes. Obvious! Well, I have all my emails, and BOA better get their act together. Why would you do this to my family? Get our hopes high, as just to kick us back down? Please, call me, or at least stop refusing my emails.

After applying for the modification, back when my wife passed away in July 2010, I sent in every single piece of paper work that they asked of me-- on time. I have also been on the phone with them in the month of January 2011 and February 2011 along with my daughter, who I gave her permission to call on behalf of me. She was able to catch-up with the house payment, but we were told several times that the modification was approved, and to on hold tight. They could not tell us how much. We have called them every other week since then, and they keep on telling us that they are still working out the details on how much it is going to be.

Last week (08/01/2011), they told us that we were denied because the paperwork has expired. They also told us that we need to reapply again for it. So, they sent out paperwork that we just got yesterday in the mail. Now they are saying it is denied again because we didn't get the new paperwork in time. Now they are not even allowing enough time to get the paperwork in the mail to file it out. We are now in default with the home loan again because we were told not to pay anything until they figured out modifying it, and completed the paperwork. Since they never got the paperwork finished, they are stating that it has expired, and we are going back into foreclosure. We will probably lose the house. My daughter already has paid $14,000 to catch-up with the house payment, which is what they told her to do, and then to apply for the modification which we did. A year later they are saying that it has expired, and it was denied because they never got to it in time.

I received a letter from a lawyer of Bank of America that my house will be foreclosed, if I do not make a payment by September. I called the lawyer, and I got the total amount including late fees and legal fees. I sent a certified check with the amount the lawyer emailed to me. I was told to send the money to the lawyer. Today, I received a letter from Bank of America that the amount was not enough, and they are returning my check.

After going through a lot of effort to get the amount, and paying them, I received the letter without explanation. Why did the Bank of America lawyer not send me the letter, or email me if the amount they gave me was wrong? I am physically and mentally stressed.

Happy birthday from the Fleecing of america!!!

I tried to refinance and gave them $400 I was told everything looked good & to send in my paperwork then I got a phone call from some underwriter telling me that my home to loan value was out of whack because of the student loans for my daughters?? My loan officer took my money on a Friday and told me to call her on Saturday if I had any questions I called her only to find out she was on vacation for the next two weeks! Shame on Bank of America, I went crazy putting sweat equity into the house so that their appraiser can come & check it out. I feel so betrayed its not even funny. I will sue.

We applied for the modification program well over 2 years ago. Faxed, mailed, and Fed Exed the same paperwork more times than we can count. Spent more time on the phone with them than my own mother. No answers for 2 years. Finally we get DENIED after doing everything they asked for. No late payments. They screwed up our credit, as well as our property taxes and insurance. We can never get a straight answer from any one of the MANY people we have spoke with. Because of BoA we cannot refinance and are stuck in a mortgage we cannot afford. They Suck!!!

I aquired the loan. Then a year later they informed my payment was going up $150 dollars because they were not collecting enough for property taxes. My property taxes had gone down over the year.... so I think they calcualted my payment in a way that would get me approved. I then applied for the loan modification in November 2009, after being laid off and getting a job that paid me less. in February they contacted me. I sent in all the paperwork. They asked for more paystubs. I didn't have them. I was told if I waited until I had them that I could quickly reapply. i have since called them three times and dealt with the grueling hour long phone call with a different idoit each time and have never recieved the packet again. What a con!!!!

Bank of America took over our mortgage about 18 months ago. We started having problems in March when BOA notified us that our taxes and insurance increased, therefore our mortgage payment increased almost $200 a month.

We were set up with Bill Pay for our mortgage, only, BOA couldn't get it right. In June, they took our mortgage out twice but reversed one of the payment only after I brought it to their attention. Because of the way they have their system, our escrow was messed up after the refund. We started getting notices telling us that our escrow was in the negative. Then I started getting multiple statements a month, they couldn't decide how much my monthly payment should be.

I tried to resolve the issue via phone but I was told by the customer service agent that it was his way or the highway and that he will not allow me to speak to a supervisor. So I got off the phone, gathered my paper works and notes and drove to the nearest branch.

It amazes me that those that work at the branches are not authorized to deal with these types of problems. I was in the bank for over an hour while the personal banker was on the phone with a mortgage specialist. The irony is the ad in the bank that says, "Let our mortgage specialist help you." Then I was told that everything was fixed, my mortgage amount was set and my bill pay service was canceled as I wanted to be in charged of my payments.

August came and I made my online payment to the correct amount only for BOA to come in and withdraw an additional payment for the wrong amount, totaling to almost $3,500. Now after an hour in the banking center and 45 minutes on the phone at my house, I am told that because it is a VA loan, they cannot give me back the second, incorrect and unauthorized payment. Then they offered to give me back half or apply part of the payment to the next month's payment. I insisted I want the full amount and I am giving them only 24 hours to make it happen. They aren't just going to take any money and expect me to just sit here and say that I am okay with it.

In the mean time, I closed my money market account and withdrew the majority of my money from BOA. While it is a pain to change direct deposits and such, it is a bigger pain to deal with BOA. If I could move mortgage I would. My husband said he is going to look into options, that it would be worth the money to get rid of BOA.

It is a shame that an institution that so many people trusted with their finances get away or tries to get away with this! They should be shut down for unethical practices!

I had a mortgage with Taylor Bean & Whitaker, In August 2008, I made my usual mortgage payment to TBW and at the beginning of September was notified by Bank of America that they now hold the mortgage on my home and I am in arrears for August. They told me they notified me by mail about the change, I told them I have not received anything from them and I made my mortgage payment to TBW for August because I was not aware of any change. I was told some sort of fraud took place and I would be receiving a credit on my account as soon as the funds are released. I asked them how long will it take but no one knew.

I called monthly for two years to follow up on and have gone to BOA many times but still got nowhere. I called on July 18, 2011 and was told at that time I had to go to BOA and show proof all over again that I made that August payment. She then showed me that I received a check from BOA for this refund, I asked her to show me where I had cashed the check and when did this take place. She was unable to do this so I went to BOA again with my paper works and was told again they didn't know why I hadn't been paid when everyone else had been paid. She then copied my paper work and sent it to the research department and said she would be in touch before the day was over, however I didn't get a call until July 21,2011 from Mildred. She stated that they found my money and would be crediting my account in about two weeks. I was shocked but very happy to finally hear this is finally being resolved. Mildred told me to call her in two weeks and let her know if I received the credit to my account.

I called her on August 3,2011 to let her know that I still don't have the the money. She had difficulty remembering who I was, she kept reading notes and finally realized who I was and she said she wasn't sure where it was and had me on the phone for quite some time trying to locate it. She finally said she will call me back so she didn't have to keep me on the phone. She did not call me back that day so I called her August 5, got her voicemail so I left her a message that I needed to speak to her. I got no call back that day either.

I called again on August 6 got her voicemail and left a message again. I finally got a call from her August 8, guess what, she was returning my voicemail but had no idea who I was once again until I refreshed her memory, when she remembered, she apologized and said she need my account number and would look into it immediately. She said that she does not have an answer other than the research department said I was to receive it in a few weeks not in two weeks so I could still get it at any time. She said she would look into it and she will call me back. She called me back an hour later, told me she emailed the person who was handling this and as soon as she heard back from them she would call me.

I feel like that I have been cheated and my money had been stolen from me, not only from TBW but BOA as well. How can they get away with this? If I had stolen from their bank, I would be in jail today for sure.

I was pre-approved for a loan modification back in June of 2010. I talked with a lady named Theresa who talked me into applying for a loan modification. She said that my home had to be going into foreclosure in order for me to apply for the loan modification.

Bank of America began sending my house payments back to me in July 2010. I have dealt with several people over the last year. BOA said they were going to send me the packet I needed, that I need to fill out and send back immediately with all the documents they requested. They said I would get the paperwork within 15 days. I still hadn't received anything in a month so I called them, they said it could take another 45 days.

I waited and still didn't receive the paperwork. At the end of 2010, I was finally told of a website where I could print the papers out myself. I did that mailed it in with all the documents which are 2 paystubs, tax paper for 2009, summary of my bills etc. I called them a week later, they said they still hadn't processed it. I called again a couple weeks later and they said they never received the documents. I again went online did all the paperwork and went to BOA and had them fax it to where it was suppose to go. I called them to see if they got it and they said they don't have it yet. I told them about my concerns, about my foreclosure date approaching. The man I spoke with that time said I could file for an extension but I couldn't do it until it was two weeks from the foreclosure date. I waited until it was 14 days before the foreclosure date and called them to get the extension or at least apply for one and I was told it was too late to apply. I contacted the Attorney General in Minnesota and then Bank of America sent the documents I needed to fill out again. It was only four days after I got the papers, I haven't even mailed them back yet and BOA sent me a denial letter which doesn't make sense to me seeing how I haven't even filled the paper work yet.

So right now, I keep calling them and they never return my calls. This is the worst company I have ever done business with and by all the complaints on here I see I am not the only one who has the same concerns.

Bank of America has been giving me the run around since 2008. First, they gave me a trial period for 3 months and later sent me another letter stating that it was canceled. A few months after, they sent me a letter saying "congratulations! you have successfully made your trial period and we are now offering you a modification". I sent the paperwork in by Fedex on June 3, 2011 with the first modified payment but on August 3, 2011, they sent me another letter saying that the paperwork was late and I was no longer qualified for the modification. Why are they continuously misleading people? How can they get away with it? Can somebody please shoot these ** in the **!

Our Experience is basically the same as everyone else on the site. They give you hope for modification only to tell you, you Don't Qualify, after months of talking and sending paper work after paper work. Can someone please tell me how they benefit from owning homes that are setting empty and losing value daily because of deterioration , and can not be sold in this economy?? Wouldn't something be better than nothing???

I have had a mortgage from Bank of America and I am so dissatisfied with any contact I ever had with them!

My husband took a job transfer and we purchased a duplex over 4 years ago. I stayed back in the original city for a year and applied for jobs in the new town while I continued to work in my job in the old town. I was turned down for many full time jobs because I was either over-educated or overqualified. So I was working 3 part-time positions for about a year and a half after I moved to the new town. During this time we were also trying to sell a home in the old town, so we were making two mortgage payments.

Well, we ended up not being able to keep up, sold the old home in a short sale, fell behind in everything, and finally had to file for bankruptcy in 2010. During this time BOA would not take any payments and assured me that I would get help through loan modifications when the bankruptcy was over. I believed them! I have now spent months sending them document after document and they keep saying that they didn't receive them or they still need more. Finally I received an offer from them and it was make double payments for 6-7 months. If I could afford that I would have been doing that all along! I also tried the loan modification before the bankruptcy and because I wasn't making enough money and the debt was so high, they refused to do anything. During that time I also sent and re-sent documents. We have now had to take a loan through our 401K and drained the little bit of saving that we have and we are still behind.

The problem now is they are charging me for "drive by inspections" and late fees. These add up to over $200 a month. I asked them for prove that someone drove by my house and they gave me the run around. I live in a very small community and at the end of a dead end road. There have been no strange cars on my road, nobody comes down the road unless they live here and I would have noticed them. I also get my bill and it gives me one amount and when I call to check and see where we are with catching up they tell me a different amount than is on the bill. I also received two statements today and they were different! When I called, they said that more late charges had incurred. The statement was for July 28,2011 and I called on August 8,2011 and it went up over $75. They just keep giving me excuses and explanations that do not make any sense and the numbers don't add up. I am never going to ever catch up at this rate and my frustration is at such a high level that I cannot even deal with them anymore. What recourse do I even have? I have followed their rules and did whatever they suggested, now what?

Our case is similar to so many on this page. When the new BOA servicers took over on 7/1/11, it was like the payment agreement we had made with BOA did not exist. We actually already had 4 payments automatically draft out of our account and had 2 additional payments set up to come out on 7/10 and 8/12. I had confirmation numbers from BOA for these payments.

As part of our repayment plan, we were to make 2 extra payments over the summer to catch up our mortgage. When I called to make the first of those 2 payments, on 7/10/11, I was informed that BOA would not accept my payment. That our account was now in their foreclosure department.

You really would not believe what we have been through the past 2 weeks. I basically have wiped out our retirement and sent the funds to reinstate our account this week. When I called today to confirm that these funds had been received, I have been told all day that their system is down and they cannot get that information.

Now for a little good news! I was advised by my banker to contact the state agency that regulates banks for NC. I did so and sent them an explanation letter with several pages of documentation. I also sent this info to the BOA service department in Somme Valley, CA.

Well today I get a call directly from a BOA rep. BOA had been notified from the state of NC about my complaint. BOA wanted to work with me to resolve the issue. The rep was very nice. Bless her heart, she admitted that she had been trying to get info about our account all day herself but was also getting the word that the BOA system was down. She is calling me next week. It is sort of too little too late to help us now though.

We wiped out our emergency and retirement savings to get the loan reinstated. A loan which would have been brought current anyway if BOA had let us stick to the payment agreement that we agreed to according to their terms.

Oh also today, I got a letter from the NC Bank regulators. Even though they do not regulate mortgage companies, they are passing my complaint letter on to the agency that does regulate BOA. Again the rep was nice, but you could tell BOA wants to get this complaint swept under the rug ASAP. She kept saying that she wanted to be able to let NC know that they had resolved my complaint.

Now I am going to step out here and do something probably a little crazy. My email address is **. I think it is time that all of the folks who have these complaints get together and do something to get the news to the folks that regulate this company.

Let's face it: AlQueda has nothing on Bank of America. If you do not do what they say they take your home and put you and your family in the street. There is no one to turn to for help. If you would like to email me your complaint, I will print it out and add it to a stack of BOA mortgage complaints. I want to compile as many of these complaints as possible. Then I want to send them to our government leaders, banking regulators and also BOA's customer service department. We need to band together folks.

In March of 2010, my husband and I fell behind on our mortgage payments because the job he had at the time cut his pay in half. We had tried to request a modification for our loan with Bank of America before this but they only lowered our payment for $20 and we paid $1,500 for an outside company who specialized in negotiating loan modifications to help us get our payment lowered.

After 18 months of hearing over and over again that Bank of America needed the same paperwork, that we filled out over and over and over again and seemingly continued to be lost, I finally was able to get the number to the Office of the President of Bank of America. I spoke with three different representatives who still could not determine what was needed for us to even start the process of loan modification for our home. All the while we've fallen further and further behind on our payments.

Finally, I spoke with a new negotiator who contacted another "mortgage servicing specialist". He told me I had to go through MHA again for the umpteenth time and refill out the same paperwork we've been filling out just so they can determine if MHA will do a modification for us. Even though they told us we're above the 31% threshold of income to qualify. I asked if there was another program we could qualify for and they told us "In House" but they needed an official "denial" letter from MHA before they could start the "In House" process.

It has been an absolute nightmare/hell on earth dealing with Bank of America. All we want is to catch back up on our payments now that my husband has a new job and keep our home. We have three small children and our credit is not good enough to purchase another home if we were to go into foreclosure. Can someone please hear us out? We are among thousands but couldn't be more grateful for a resolution to this insanity we've been going through. Thanks so much!

Adrienne **

I first tried to refinance my home with Bank of America in 2009. I was completely repairs on the house and removed all the furniture out of the house and was denied a refinance but was charged $450.00. This year I paid 535.00 to get refinance and told after all the paperwork was filed I did not qualify because I live in another state due to military assignment. I told them this prior to my refinance. I feel like I was misled just to get money. They should have told me that I did not qualify for refinance at this time before they took my money.

Over a year ago we ending up doing a short sale on a home in Amarillo, TX at that time we were told that the mortgage insurance would cover the rest. Now we are getting letters saying we owe them over $25,000. We retained an Attorney, but they are giving him and us the run around who do I file a complaint with and how do I get this resolved quickly?

I have applied for modification to stay in my home 4 separate times. I always get the runaround. In my opinion, Bank of America is not trying to help anyone. I have sent in paperwork for months, but they were not accepting payments, which is getting me further behind. I have been told at least two separate times that we were approved for our modification. And we were told to expect a FedEx package, sign all papers and return them. These magic FedEx packages never came. And when I called back, I am then told that our modification was declined and had been cancelled. Once again, while we are playing this wait game, the mortgage goes further behind because they will not allow me to make monthly payment. I have been paying my own insurance for over a year. Yet, they still have my payment over $300.00, more than it should be, because they are escrowing for insurance that I am already providing.

I can't get anyone to listen at Bank of America. And I am told the same old stuff. I can't believe our government is letting these lying pigs do this to people. My wife and I are behind because we had a baby born Sept of last year and had no insurance. Bills stacked up during this time to hospital and medical expenses. We are completely back on track at this time. We have been putting back monthly payment and have over ten thousand dollars saved, which we have offered many times to send to them. I was told recently that there was a thing called a partial reinstatement. If we could bring our note within 90 days of being current, they would reinstate our mortgage and put the rest on the rear of the note. Unfortunately, we are about $5K away from being able to do this. My question to them was, "Why did you not make me aware of this when I was only 4 months behind?" They never made me aware of any such option. And I later found out about the partial reinstatement from reading reviews on the internet.

So here we are. We have $10K that they refuse to take. And I am now in a position to where I can make my payment without problems. I truly feel so sorry for anyone that is going through this with Bank of America. The US government gives them $25 billion as part of the bailout package, with the agreement that they would do everything to keep people in their homes. This was all just a joke. Where is our government? Please help!

I took out an FHA loan in June 2010. They escrowed taxes and insurance. I just got a bill showing my mortgage going up 113 per month. I called and checked on taxes and insurance, the rate increase should result in a monthly increase of less than 20 dollars (around 17, not 113).

I called and asked how they calculated this and have asked for supportive documentation but they will not send me anything nor can they go through the figures and explain or justify this increase. They agreed with the dollar amount on the tax, and cannot explain it.

I worked for 7 months trying to get a loan modification for my home. I used a local Housing Partnership and nothing was ever sent in, so when Bank of America sent me a loan modification package, I decided to go with them. I sent all the paperwork via Fedex on July 6, 2011 and received a call yesterday from Laura with BOA. She said she didn't receive some of the paperwork and that I would have to resend it and I had 48 hours to do so. I got the paperwork together and faxed it to her. Within 5 minutes of sending the fax, she called me and said that we don't qualify for a modification. So 8 months of hoping and stress was for nothing. How can they make a decision in a day? She was so cold and uncaring. I am devastated. She told me that I still needed to send in a profit or loss statement for the quarter (I sent them in but they were for May, June and July separately and she said they have to be on the same form). I asked why do I need to do this if I don't qualify and she told me if I didn't, they would foreclose now and if I send it in it gives me another month. Gee thanks BOA! For freaking nothing.

In an attempt to eliminate the PMI from my mortgage with Bank of America, I decided to refinance with 15 year instead of 30 year mortgage. I made application via phone and provide Bank of America with all required documents requested on a timely basis by faxing or emailing in order to expedite the process. I even answered their request for justification of two deposits to my checking account of $98 and $197 which were referred to as being "large deposits." Reason given for the justification was to ensure I'm not involved in money laundering. My main complaint besides what in my opinion was harassment, is that after dragging their feet in giving me a closing date, and after a follow-up from me after two weeks of silence, I received an email telling that if I do not present proof of money for closing that, the loan would be cancelled.

I actually went to my credit union and transferred the money for closing, but decided that same day that if my credit union would approve my loan, I would cancel my application with Bank of America. It seems they are so big that no one noticed that I carried this particular mortgage since 2002, and at one time had two mortgages with them up to 2004 when I sold the other property, without being late with a payment, As a matter of fact, I paid more than the required amount since purchasing this property. My complaint is based on the fact that Bank of America will not allow the credit union to use the appraisal I paid for. Their response to the credit union's request is that they will not release the appraisal, but are that I can request a new one. I have yet to talk to anyone in the appraisal department, as this information was conveyed to the credit union via Mr. ** who I'm waiting to hear from after leaving him a voice message.

A few years ago, my husband and I were 2 payments behind and contacted CountryWide to discuss our options. We were told that we would be approved for a special forbearance payment and we started sending in payments, only to have them send them back to us. This continued for over a year. We have been approved for 3 loan modifications and made the payments. Every time, they sent our payments back.

In January of 2011, they told us our final loan modification was approved and we have made every payment. A month ago, a sheriff arrived at our door and told us our home was foreclosed upon and we had to get out. We hired an attorney and we found out in court that CountryWide bought back our home in 2010 and they were bought by Bank of America in 2008. How can this be? How can Bank of America approve us for a Loan Modification and now tell us that CountryWide bought our home 2 years after they were bought out? We will learn our fate in court tomorrow. We are not giving up! How can they get away with this!

Was laid off 2 years ago and fell 30 days behind on mortgage. Bank of America offered modification assistance. I have spent lat 2 years sending in requested documents and falling further behind. They have created an escrow and up my payments to almost double. I was told not to worry and just send in what I can and that I only need to be sure I send in requested amount during trial period. By sending in what I can, I fell 6 months behind because by sending in lesser amounts my money went to escrow an dI was NOT making payments. I did not know this until I was notified that I was turned down for modification and subject to forclosure if I did not get current. I borrowed every where I could and got current. I still recieved a letter after getting current requesting that I agree to a quick sale and give them the house.

My escrow is nothing but a way for Bank of America to take more money. Last year they paid my home insurance to 2 different companies to make it even more harder for me to afford. They have also taken money for escrow on my property taxes for 2 years. I have had to pay my taxes out of pocket each year. Have never gotten an answer where my money is going but escrow continues to grow and my payment has gone for $584 to any where for $700 to $1000 a month. Im not sure how this is supposed to be helping me but I can not afford it and now owe everywhere as I have been borrowing and hanging on by threads for a long time.

My credit is shot ao refinancing options are out. I have contacted 1 forclosure attorney so far after getting me all excited with images of help I was told that I would have to provide checking account numbers so that they could draft $700 every pay check for me to pay them. I cannot afford to pay my living expenses and my house note as it is, so how does this vulcher think I can pay him $700 a paycheck? I have come to the conclusion that Bank of America is determined to make me lose this battle to keep my home and they may just be fixing to win because I am financially stretched to snapping points and stressed to snapping points from worry!

Bank of America changed our account for our home loan from a straight account to one with an escrow. They wanted to charge us a whole lot of escrow; add it into our home payment (with back escrow), and wanted to raise our payment over $1300 a month more.

When we called and complained, they lowered the amount down to $500, but it still was excessive. We then requested to go through a loan modification. Bank of America had us go through three approvals until we received a letter telling us that the modification had been declined. This took seven months (maybe longer).

After December, they stopped accepting our payments. We were hoping that the loan modification would help with the late payments on our credit report. This company is by far the most inept business I have ever dealt with. We requested a letter telling us what we needed to do to get caught up, and basically got the runaround.

Now our credit is ruined, and Bank of America refuses to do what is right, and fix the problem. It is not fair to refuse payment, and start counting someone as late when they eventually will get their full payment. I do not recommend BOA to anyone. They are inept and unwilling to accept responsibility for their faults.

I think they want people to go into default, and foreclose on their homes. Even when we were caught up, they did not apply our payment. We were hit on the credit report again. It took two calls for them to fix it.

I received in the mail dated July 12, 2011 a notice of intention to foreclose. My payment is paid via my bank on the 15th of every month. The letter states that $2541.53 is the total due. A payment for $1400.00 was made on July 15, 2011 with the normal payment being $ 1392.91 due. I at that time carried a $247.72 dollar partial payment balance. I did fall one month behind, and have been making $1400.00 payments every month trying to catch up as the partial payment balance reflects.

How is it that I have been thrown into intent to foreclose on the 12th of the month when I am only approximately $1,100.00 behind which is LESS THEN ONE MONTH? When I called there was explanation given to me; except they were sorry, and I have until the 11th of August to pay the $1,100.00 or they will proceed with foreclosure.

Like everyone else I applied for a modification,got the run around for over a year, we didn't get your paperwork, send more paperwork, send new paperwork, you are not qualified, you are qualified, make partial payments, you're behind on your mortgage, you owe late fees, we've ruined your credit, pay up everything we told you not to pay during your trial period...you're approved afterall, sign your modification (March 2011), pay the same amount because it takes us over 6 months to update a modification, we posted your payment, we reversed your payment, kept your money, added a late fee and told the credit bureau's you don't pay your mortgage and ruined your credit. We know we have your money but we are sending you a foreclosure notice anyway, pay us or we will foreclose.

2009 lost my job fell behind on mortgage payments, paid a company to assist me with did get anything but the run around. I was scammed. I faxed 50 or more documents to Bank of America and was told I was getting a modification but got the run around for months and then was told that I did not qualify and no one know why.. I continued to work with the BOA and thinking that they had my best interest at heart. I was totally wrong.. I have been given false hope, empty promises, and speaking to a diferent person every time I call. I feel like a yo-yo and now being threatened with foreclosure. DO NOT TRUST BANK OF AMERICA!!!! THEY WILL NOT HELP YOU. GET ONLINE AND CALL SOMEONE.. GET A LAWYER TO SPEAK FOR YOU.!!!

In May 2005, we purchased a primary home in San Francisco. At the time we owned two properties: our original primary home in South San Francisco, CA and a second home in Arnold, CA. The homes were not on the market when we purchased the San Francisco home and our mortgage broker advised us to use the equity in both homes to complete the purchase and then sell the homes after refinancing both of these homes.

We followed this advice and quickly sold our original primary home in South San Francisco; however, our second home in Arnold, CA sat on the market for approximately 18 months. In the meantime, the housing market turned and the home value sank to below what we now owed on the property. We eventually took the home off the market when it became clear it was not going to sell. Unfortunately, this left us with a large mortgage on a house we had not planned on owning once we bought our new primary home in San Francisco. Like many Americans, we were overextended because of the housing crises.

In August 2009, Bank of America offered a forbearance plan to us in which we made on time partial payments for six months. Bank of America indicated that if we made the payments on time every month, we would be considered for a permanent reduction in our mortgage payment. From September 2009 through February 2010, we made every partial payment on time.

At the end of six months, Bank of America did not reduce the payment. Instead of reducing the payment, we were told that now we had to go through a modification process, which could take up to three months for Bank of America. We continued making the partial payments on time each month through May 2010. At which time I was told that a negotiator was assigned to my account. However, I was never allowed to personally discuss my account with the negotiator. He was completely inaccessible to me. I was not given his phone number or email address and he did not have a voicemail for me to leave messages. My only means of contacting him was through the Bank of America customer service representatives who were limited to sending him an email and hoping this would prompt him to respond to my questions.

When reviewing my account in late May/early June 2010, I discovered that none of our partial payments had been credited to our account. The payments had all accrued in a partial payment account. Bank of America was supposed to credit our account each time the partial payment account balance equaled a mortgage payment; however, this was not done. I discovered this while talking to a Bank of America customer service representative when I was trying to reach my negotiator. The representative at the time encouraged me to try to catch up on my payments, so I made two full payments in June 2010. At the time I was still hopeful that our interest rate would be reduced through the modification process and that we could work out a payment plan for the outstanding principal and interest payments. The reality, though, was because we went through the forbearance process making partial payments of approximately of the total payment, we were now six months behind on our mortgage.

At the end of June/early July 2010, I finally received the Bank of America modification contract. They did not reduce the interest rate, they simply capitalized the outstanding principal and interest payments; i.e. they added them on to my existing outstanding principal. However, the negotiator, when drawing up the contract, did not take into account the two full payments made in June 2010, so the new outstanding principal was over $4000 more than what we actually owed to Bank of America. Again, I tried contacting the negotiator several times to adjust the contract for us, but was never personally able to speak to him. I was forced to leave messages through Bank of American customer service representatives.

Frustrated at not being able to speak to the negotiator to correct the contract and realizing that we needed to return the signed contract before the deadline for the modification to occur, we returned the completed contract to Bank of America along with the required first monthly payment, but adjusted the outstanding principal amount on the contract to reflect the actual amount owed. When the negotiator received the contract, he called to let us know that it was null and void because we had adjusted the outstanding principal. However, after reviewing our payment history, he admitted that he had made an error and that he would correct the outstanding principal amount owed and send out a new contract. This was mid-July 2010.

By August 2010, we had not received the revised contract. I began leaving messages for the negotiator again via customer service representatives because there was no way to contact the negotiator directly. He eventually returned my call and explained that he was unable to simply revise the modification contract and send a new one. We had to go through the modification process a second time. Again, I was told it could take up to three months to complete, but because we could not make six payments at once without tapping into our 401k, I thought it would be worth going through the process again.

While undergoing the modification process the second time, we chose not to make payments because we did not want the negotiator to make the same mistake twice on the outstanding principal owed. Also during the second modification, we sold our primary home in San Francisco, so we were no longer overextended.

We received the second modification contract in November 2010 and returned it with the required first monthly payment. The negotiator contacted me at the beginning of December 2010 and told me the submission was fine, but it may take up to 45 days before we receive our revised statement. By February 2011, I had not received the revised statement and began calling Bank of America to follow up when I would receive the statement. The customer service representatives indicated that the closing process was probably just taking longer than expected and I would probably get a revised statement by March 2010.

In March 2010, I received a letter from Bank of America indicating that I needed to go through the modification process again. Confused because I thought the modification process was completed back in November of 2010, I contacted Bank of American and learned that the second modification never closed. I tried contacting my negotiator and learned that he no longer worked for Bank of America and that a new negotiator had been assigned to my account. My guess is that the modification never completely closed because he either left Bank of America or was fired because he was inept.

I left a message for the new negotiator that day voicing my frustrations that I had to go through the modification process for the third time and that Bank of America was at fault because the modification should have been completed in July 2010. She empathized with me and assured me that she would maintain regular contact with me and that she could make a decision with seven-10 days of getting my modification paperwork. She even gave me her number and email address, indicating email was the best way to contact her. She also gave me a fax number indicating that this was the best way to send the required paperwork to Bank of America. I thought the matter would be resolved in days.

I gathered the required paperwork and tried faxing it to the new negotiator. Unfortunately, the fax number must have been overwhelmed by people like me trying to frantically send in the paperwork before the deadline and it remained consistently busy. My second option was to send the paperwork to the Bank of America prepaid FedEx envelope. This was how I sent in the required paperwork the first two times I went through the modification process and thought it would again be a relatively simple process. Unfortunately, Bank of America did not enclose the FedEx airbill indicating the Bank of America account number. This airbill also included the FedEx tracking number for Bank of America to track the package; i.e. to ensure it had been sent and delivered to the correct address.

I tried contacting my negotiator by email to, 1) notify her that Bank of America did not supply the prepaid airbill; and 2) ask her for the address where to FedEx my documents to. I gave her a couple of days to respond (per the Bank of America policy to allow the negotiator 48 hours to respond), but she never did. I tried contacting her by phone to no avail. As usual, I was unable to leave her a personal voicemail message, but rather had to go through a customer service representative to leave a message. I gave her a couple of more days to respond (again per the Bank of America policy to give the negotiator 48 hours to respond) and she never did. By this time, the deadline to submit the paperwork had passed and I still had no idea where to send my paperwork. I contacted Bank of America again and had to speak to several people over the course of two hours to finally get an address to send the paperwork. I sent the paperwork by FedEx to the address Bank of America supplied and tracked the package.

Bank of America did receive the package at the address where it was mailed. I have verification from FedEx that it was received. Despite receiving the package, Bank of America denied our third attempt at the modification indicating that they never received our paperwork. My summation is that, 1) Bank of America gave me the wrong address to send it to. Given the length of time to get a straight answer from Bank of America on the address, I was not confident it was being sent to the correct address; or 2) they used the original airbill prepared for me to track the package and noted that airbill was never used and concluded I had not sent the package. Either way, the result is that Bank of America erred by not including the prepaid airbill in the modification packet they sent me and this is why they claim they did not receive the package.

Bank of America said I could start the process once again, but it would take up to three months to go through the modification process. This time, I was tired of playing games with Bank of America and withdrew $40,000 out of my 401k to pay for the back payments (by this time we were 15 months past due) against the advice from my accountant because of the tax implications. Of the $40,000, I had a 10% penalty, 20% federal taxes and 3% state taxes, so the net was much less than the $40,000.

At this point, I think the very least we are owed by Bank of America is the removal of negative credit reporting since July 2010, when the original, erroneous modification contract was sent to us. The most ideal would be to completely correct the situation for having to go through this long and tortuous process. This means actually lowering my interest rate, which was the original goal of going through the forbearance, modifying the loan to the original plan from July 2010, forgiving the interest due from July 2010 to April 2010, which was when we brought the account up-to-date, and refunding the payment difference along with the tax and penalty payments paid for the 401k withdraw.

Our home is in the redemption period of a foreclosure. We received a cash offer, and we have requested a payoff fifteen times. We can't get them to send one on time. We have been waiting for four weeks for one this time and have waited until 7/29/2011. We can't reach any human on the phone at all, ever. We lose our home to foreclosure, instead of selling it full price cash offer. It is all because they won't send a payoff statement.

After applying and getting denied for Loan Mod (I don't make enough) and short sale (they say it was cancelled but have the documentation that says they did), I quit paying my mortgage. By not paying I would have saved the $980 I had been paying, but at the end of every month, I was almost in arrears. I am on SSDI for brain surgery due to uncontrolled seizures in 2003.

Money has always "disappeared" and BOA has said that all transactions would show (which I have since found out is not true). Well transactions would show but not if money is being withdrawn by bank.

It was just horrible. I have been waiting to close on my modification (FHA) for over a year. They cannot tell me why. I have signed modification paperwork in December 2010. Now there is a hold on my closing, and no one will tell me why or can tell me why. I work at a financial institution, and I feel that my rights are being violated. How can I get an answer or have my modification loan closed? My underwriter has never contacted me directly by phone or e-mail. All my paperwork has been received. What should I do next? I want to pay my payments bi-monthly to assist with my current financial condition. I cannot do this until the modification closes.

My daughter and her fianc applied for a home loan a month and a half ago. They were told it would not be a problem. They have 20 percent down-payment in the bank. They have excellent credit considering they are in their early 20's and at this point, have over $2,000 invested in earnest money, appraisal and inspection. The cost of the home is $64,000. After the down-payment, they are only asking to borrow approximately $50,000 (on a house that appraises at $115,000); every day for the first three weeks they got calls from Bank of America that they need more information or documents. Every day they faxed what was needed. Two weeks later, they would ask for the same things because they lost them or claimed they weren't received. They asked for a 45 day closing, PLENTY of time to process a loan. They're now at 47 days and still being asked for information after being told, "this is the last thing we need" about ten times now, and AFTER their loan officer took a two week vacation and they heard nothing from anyone.

About half of the forms they've faxed, and were requested by Bank of America, they're now being told "aren't helpful". Even though Bank of America INSISTED they had to have those particular forms to put the loan through; once they had them, it was a go. They are calling every landlord they ever had a liar, stating that "anyone" could have paid the rent, and they have no proof they've ever paid rent on anything. Every landlord they've had has either filled out forms, wrote letters, or talked to them personally on the phone, but Bank of America still says they could ALL be anyone saying anything and are probably lying.

Today they finally talked to a local bank; were told it looked very promising, and that they could process it in a week. That said, even going that way, they will be down about $1400 in penalties; for missing the closing date, and another $450 appraisal fee for a second appraisal.

Thank you Bank of America for giving two very responsible, respectful and admirable, young adults such a stressful and impossible experience of buying a home for the first time, and leaving myself and other family members to pick-up the pieces now that they are on total meltdown. I will be SURE to spread the word, and trust me I will, not to do business with you in any way ever!

My daughter & her fianc applied for a home loan a month and a half ago. They were told that it would be no problem. They have 20% down in the bank and have excellent credit considering they are in their early 20's and at this point, have over $2,000 invested in earnest money, appraisal, and inspection. The cost of the home is $64,000, after down payment, they are only asking to borrow about $50,000 on a house which was appraised at $115,000. Every day for the first three weeks, they got calls from BoA needing more info or docs. Every day they faxed what was needed. Two weeks later, they would ask for the same things because they lost them or claimed they weren't able to receive. They asked for 45 day closing, plenty of time to process a loan. They're now at 47 days and still being asked for information after being told, "this is the last thing we need" about ten times now and after their loan officer took a two-week vacation and they heard nothing from anyone.

They're now being told that about half of the forms they've faxed and were requested by BoA aren't helpful, even though BoA insisted that they had to have those particular forms to put the loan through and that once they had them, it was a go. They are calling every landlord they ever had a liar, stating that "anyone" could have paid the rent and they have no proof they've ever paid rent on anything. Every landlord they've had has either filled out forms, wrote letters, or talked with them personally on the phone but BoA still says that they could all be anyone saying anything and are probably lying. They have good credit history, have provided plenty of proof on their credit history as well as character references, and are still getting screwed around. At this point they are being penalized $100 every day they go past the original closing date, and the only reason they haven't been able to close is because BoA keeps delaying it by coming up with a new requests at the last-minute, requests that should have been made a month and a half ago!

Today, they finally talked with a local bank and were told that it looked very promising and that they could process it in a week. That said, even going that way, they will be down about $1,400 in penalties for missing closing and another $450 appraisal fee for a second appraisal.

Thanks Bank of America for giving two very responsible, respectful, and admirable, young adults such a stressful and impossible experience of buying a home for the first time and leaving myself and other family members to pick up the pieces now that they are in total meltdown. I will be sure to spread the word, and trust me I will, NOT TO DO BUSINESS WITH YOU IN ANY WAY EVER!

I have been paying on my cabin for over 7 years with no problem. Bank of America took over my account about 12 months ago. Just last month my insurance went up on my property and without me knowing it until later my mortgage went up due to my escrow account. I sent in the normal $430.00 payment that I have been paying for almost 8 years then got a notice that I still owed $56.00. When I called the company to find out what was going on they informed me that my payment went up due to my insurance increase. During the time that I have been working everything out with my insurance company Bank of America decided to just send my $430.00 back to me then proceeded to tell me that I now have late fees due to missing a payment. But my actual loan payment is only $375 so I asked why couldnt they just pay my loan and let me worry about my own escrow. They said since I did not inform them to put it towards my loan, they did not know what to do with the money so they sent it back.

I then asked to just shut down my escrow so that I can take care of my taxes and insurance on my own. They proceeded to tell me that they couldnt shut down the escrow. Seriously the escrow account is just a bonus to me to help pay two extra bills. If I want to shut it down I should be able to. Bank of America should allow me to do what I want with my money especially if it does not concern the payment of my actual loan. So they informed me that now I need to pay almost $100 more a month on my account. I informed them that I could not afford that amount but that I could afford to pay just the loan for now. I was than told that if I dont catch up on my payments that the bank will foreclose next month. It is only 1 payment I should not be threatened foreclosure over 1 payment.

Which I told the bank that I can make the payment for the loan but not the escrow account but they will not allow me to shut it down. I am a responsible person and have continuously made payments on time for many years why now with a small misunderstanding would they threaten to foreclose. That is wrong and it causing a lot of unnecessary stress for me and my family. Bank of America should try to help its customers not threaten them with foreclosure without working with them.

Each time, I wrote to the department via their email on their website, explaining what was going on. I talked to various people to inquire about the process of the modification, when would I hear from them, etc. All the while, still paying on my account. I received in the same day three envelopes, two which said that I was under the "intent to foreclosure" and an envelope that came via Fed Ex. that said that I was ineligible for modification because I was not unemployed or disabled.

When I got home, i called and got right through but still did not receive any assistance for any other alternatives.

My husband and I purchased a home in Ohio in the fall of 2008. My husband learned in Dec 2008 that he was to be laid off from his job. In Jan 2009, my husband enlisted in the army. I immediatly got in touch with our realtor and put out house on the market in Mar 2009. We recieved an offer in Apr 2009 and were told by our mortgage company; Taylor Bean and Whittaker, that we would be set to close in June of 2009. My husband and I were stationed in Washington in June 2009. I recieved word that month that we would not be able to close due to they had given me the wrong pay off information and we were short by $8000. I started the paperwork for a short sale. 3 months went by with no answer.

In the fall of 2009, I was informed that BOA now held our mortgage. My realtor and I contacted BOA several times , however, got a voice mailbox and were unable to leave a message because, "the mailbox is full". We were finally able to contact a representative in the short sale department. I was told that they had no record that we had asked for a short sale and they had no documentation. They gave my realtor and I information on how to start the process along with fax numbers and addresses. We did EVERYTHING they asked us to do. Several months went by, we continued to sent documents with no response from BOA. My husband was deployed to Iraq this entire time. Finally, a representative from the short sale department contacted us and said they again had no paperwork on file. FYI: our buyers held in for more than a year waiting for a response on a short sale that was within $8000 of satisfying the mortgage. In April of 2010, our buyers backed out. 2 more offers were given, again with no response. We asked for a deed in lieu in the summer of 2010. We submitted all the requested documents and again waited with no response. Everytime I call BOA,I talk to a different person and no one ever has any idea what's going on. I've been told several times, " we didnt know your husband was in the military" or " we didn't know you weren't occuping the home, and even " I don't know why I have your file. I'm not even in that department. I have all your information under my name and I have nothing to do with this" WHAT????

We have to explain ourselves in detail every time we call these people. We were told in June 0f 2011 that our deed in lieu was accepted. They sent the documents that they required and we had them signed and notarized as requested ,( in the 5 day time frame we were given) , and were told that it would close July 1, 2011. I phoned BOA today, July 18,2011, as I had not recieved confirmation of the closing, and was in formed that my request for deed in lieu was declined and noone knows why!!!!!

I was shopping for mortgage loans. John ** had not given me the customer service expected so I ended up going with a different lender. A phone call was made to him, as well as an email was sent, to cancel all of my processes with Bank of America. Five days after cancelling everything, he ran my credit card and charged me $535 for an appraisal fee. He promised me that he would cancel it.

I was assessed a $35 insufficient funds fee since the earnest check I had given to Adobe Title was done in cash the same day. Since there was no sufficient funds, my husband had to make a special trip to Bank of America to get a cashier's check to pay Adobe Title and to deliver it to Plano, about 30 miles away from where we are staying. I called the vice president, Bill, to take care of the matter and promised me that all fees would be credited back to my account as soon as possible, which didn't happen. This was told to me on Thursday, the 14th. Today is the 18th, and I still don't see any credit back on my account. This situation made me stay without any money for the weekend, and I couldn't pay most of my bills since I had to use my paycheck money to come up with the earnest money to pay my title company.

dept never informed me I couldn't do that.

I did a similar thing in june and thought I was okay. I never heard from the bank. IIn I July was going to pay online my july rent when noticed at in my morgage account I am said to be owing 2 months rent. I called on july 11 and a couple of days after and was told even though the bill pay section shows I paid my rent because I Split the payment it will not be accepted and that I my check of payment will be returned to me. I was told my the problem could not be fixed by stoping my check and that i have to collect my check and deposit into my mortgage account again and ask a local branch for help to add it to my previous bill pay amount.

I haven't gotten my check. I paid for july and instead of the bank crediting july and trying to help me fix the june problem I keep getiing letters to make it seem I am constantly defaulting in my rent payment.

I intend to bring this scenario to the

my "crime" is that I made some payments ealier than expected to the very bank that services my loan through their own system of bill pay.

I will not rest till this problem is solved.

my son attempted loan modification THREE TIMES....it was always kicked back for some stupid reason and he had to start the process all over again because of the length of time it took on BOA's part. during one of those periods where it got kicked back and my son redoing all the paperwork BOA filed foreclosure papers. Third time was the charm (after almost a year!) and the modification finally went through...foreclosure was then cancelled. THEN HE GOT A NOTICE THIS WEEK....pay $5000 in attorney's fees or we start foreclosure and they want it immediately. they will only spread the payments into three payment and he has to keep his account current. he works a full time job, is going to school full time, he and his wife had a baby 3 months ago, his wife works and they are staying ahead of the curve but barely because of his travel expenses to get to school every day (80/day one way). BOA will not work with you regardless of the reason even when it was their fault for not processing the paperwork in a timely manner in the first place!

I am writing you as I am unable to receive any help. This is concerning a modification that started over a year and a half ago and I was told yesterday that they foreclosed on my home June 15th without notifying me. When I began my modification, I was given trial payments and received a package in the mail containing forms I had to fill out and paperwork that was needed by Bank of America. I returned ALL paperwork back to BAC. I was later called and advised that they denied my modification and were foreclosing on my home because not all the paperwork was returned. After searching, the BAC employee was able to find all the paperwork as she claimed that it was scanned in two different areas when the paperwork came in. She told me that she would reinstate my modification and reschedule my foreclosure date because BAC was unable to reverse the foreclosure even though it was clearly BAC's error. I then received a call telling me that my modification was declined because they did not have all the paperwork AGAIN. I was advised that they needed my ex-husband's signature on the modification papers. I explained that he filed bankruptcy against the house and his debt was discharged and that he signed a Quit Claim Deed. I also advised that I spoke with Fannie ** and was advised by them that my ex-husband does not have to sign the remodification. I was unable to get any help from BAC and every time I called, I got a different answer. I contacted the comptroller of the currency regarding this matter. I, in turn, received a call from the president and CEO's office at BAC. I was told at that time that they were assigning my remodification to one representative and that she would be handling it. They asked me for a copy of the Quit Claim Deed, which I sent to them, and I was advised that my remodification was reinstated for the MHA.

Since this time, my remodification has changed hands four times. So, getting a hold of who has my loan has been difficult and no one seems to return calls. I finally received a call from Candace ** and she told me on June 15 that my foreclosure date has been rescheduled yet again because my modification was not completed yet. Candace even called the attorney's office for BAC (Trott & Trott) and confirmed that the date was rescheduled until July 13. I called on July 8 and spoke to the modification dept. and was told that my modification was still being worked on and that my foreclosure date was July 13. I advised her of my concern that if my modification was not completed, I wanted to make sure that the foreclosure date was rescheduled. She assured me that the rescheduling would happen automatically. I called yesterday to try and find out who had my modification so I could find out the status and make sure that the foreclosure was rescheduled if the modification was not completed. I was advised that my home was foreclosed on June 15 and that my modification was denied because of missing paperwork, the same paperwork that they claimed was missing a year and a half ago. I am now told there is nothing else I can do.

I hope you can understand my outrage. I have jumped through hoops and worked so hard to keep my home. I am now told that there is nothing I can do as a result of the errors that BAC caused. I paid trial payments for nine months to prove I wanted my home and was able to make the payments. I only stopped when they put my house in foreclosure due to BAC's error. I was told not to make any more payments as they would be returned to me because I was in foreclosure. My home would have not been placed in foreclosure while I was going through my modification had Bank of America checked their files better and seen that all the requested paperwork was received. This modification has taken over a year and a half and the final result was that I was denied for missing paperwork when I was told everything was all set and they had all the paperwork they needed.

My home means more to me and my kids than it does to Bank of America. I do not believe it is fair for me to lose my home due to the fault and incompetence of the representatives at Bank of America. My understanding was that the reason the federal government implemented MHA was to help people who needed it. I apologize for falling behind on my payments. I lost my job due to the economy and went through a very tough divorce. I thought Bank of America was there to help me; but in return they have been my worst enemy.

This is very unfair that I am going to lose my home because of the mistakes made by Bank of America. Mr. Holliday, I need your help! Please don't let me lose my home. Again my home means everything to me and my children.

Went into a trial loan modification in May 2009..Finally got permanent paperwork in Feb 2011 for loan modification. Payments increased 290.00 per month from the trail period. They sent a notary to my home to fill out the paperwork on March 7..I started sending the increased payment in March 2011. On May 11 Fed Ex drops off a letter saying they are sorry I decided to opt out of the program and I was going in to foreclosure. I started calling that day..From May 11 to the present..

They have done nothing but give me the run around about WHY my loan is in foreclosure..now they want $10,000 to reinstate my loan...but they keep reminding me that Foreclosure is looming!! They sent my June payment back and I'm waiting on the July to come back any day...I received a letter from an attorney telling me they would be handling my foreclosure...That the law said you had 30 days but they were choosing to avoid delay and go ahead with the process..REALLY??? I've had to hire an attorney...They are calling me several times a week about my past due balance and what I intend to do...This is horrible!!

I have a split mortgage with BOA. I have had this for over 3yrs and always paid on time (within the 2wks they allow you to pay).

In March BOA sold one of the mortgages to Green Tree who i have had nothing but problems with eversince. Their fees are a lot higher, they charge for everything, including paying online and over the phone so are extremely inconvenient.

The worst thing is the harrassment, if you pay within the 2wks and not before the 1st of the month they call me while i am at work to demand why! Err, because you are allowed the two wks and that's how i have always paid it.

They are very rude and demanding. With the ammount of people forclosing and going bankrupt why are they harassing people who have always paid on time? They should be stopped and BOA should be ashamed of themselves for selling off loans to such terrible companies!

I did not make a house payment for the month of June. I do not recall receiving a bill for the month of June. I then received the July bill (that was due on July 01) on July 12. On the same day, I received a letter from BAC stating that my home loan was transferred to Bank of America, N.A., effective July 01; and the amount of the debt (loan) due is 70,951.67, which must be paid in full to creditor GNMA-Countrywide BK GI FX 6GF. This is not the first time BAC has tried to take my home. A similar incident occurred a year or two ago. I did not receive a bill and missed one payment. I did not even realize that a payment had been missed until a person I did not know was parked in my driveway taking pictures of my house; and when asked, she informed me that she was a representative of BAC. I called the company immediately and paid the amount due, and have never missed another payment until this June.

. Modification Mortgage approved December/2009. We signed the paper and send the payment. The Bank never confirmed modification we paid it to August 2010. The Bank said they didn't have any modification with us. September 2010 the Bank admit the papers was lost and they found it floating in the Bank. The bank never fixed the messy. They accept the payment to March 17/2011. Now they are saying the payment is late 11 month and the apartment is on foreclosure.

They are charging us lawyers fee and foreclosure fee. and they are not giving solution for the problem. we spent ours with them on the phone. They gave us a negociator that called one time and disappeared. we will lose the apartment because of them and not us. they are sending payment back since March/2011 and saying the mortgage is late for 11 months.

My wife and I have been having problems with BAC for some years its getting worse. Frist they decided to set up an escrow account and have the tax and insurance added to our house payment. 600.00 on top of the 1353.00 that we are already paying. We went back and forth on that and they would not budge on it so we had to pay it. Then it was time to refinance and they told us no. But the loan is not theirs, it is Wells fargo. All BAC does is collect money, they do not help you any way, they always cant find the paper work that you send to them. Attitude are so bad on the phone it is like they are paying your bills. No one has any answer, but if you miss a payment they call you 20 times a day. But they never have a solution to any problems always send you on a wild goose chase to someone else and you have to tell the whole story all over again.

These people abuse the uninformed consumer. My wife got behind, due to my job loss and worked to catch up our mortgage. We were three months behind and for four months paid almost twice our regular payment to catch up.

No sooner are we caught up than they start calling and mailing out "transition" guides for foreclosure.

We will probably sue and the rest of you should stand up and not take any crap from them. They are corrupt, abusive and have been bailed out.

They think they are better than the rest of us. Call your local Bank of America today and start a firestorm regarding the way they treat people.

It is a $%^&ing joke

My name is Phillip S. My complaint deals with mortgage payments not withdrawn on the date/s I selected to be paid. I have gotten behind one month due to monies not being deducted when it's supposed to be. Keep in mind, I have many, many bills due at the end of each month, making my mortgage payments on time a priority. It looks as though the payments are not coming out as soon as it is received but three or four days later which causes a returned check for insufficient funds.

If there is a returned check due to insufficient funds, I feel that a courtesy call should be made informing me of the issue so that the correct amount can be paid to avoid unwanted fees etc. as well as a negative report to credit bureaus. No one has informed me of the amount of days it will take to process the amount paid once it's posted. In other words, will I have to make the payment (online banking) 3 or 4 days prior to the due date? Paying my mortgage is very, very important to me, therefore, I would like to avoid any further issues. It appears that I am one month behind because of a returned check which may have been avoided if I was notified (via a courtesy call).

This has happened to me several times before and got me in a financial bind. I wish to avoid this happening to me again once I'm caught up. I selected "online banking" instead of making monthly trips to the Bank of America on a monthly basis to pay the mortgage. In closing, my main concern is to be notified (via email or phone call)if and when a check was returned to my bank, not finding out a month later!! I contacted my bank (Armed Forces Bank) earlier today to confirm a payment and was told that a mortgage payment in the amount of $1548.46 (give or take a few cents was paid on Jul 8th 2011. I immediately call (BOA) to confirm the payment was indeed received and was told that they had to record of payment (very confused) at this point!!!

We have tried and tried to get Bank of America to work with us on our mortgage. My husband's hours were cut in half, and I was taken out of work by my doctors and put on disability. Each time we asked for a modification under Obama's MHA Act, we were denied. We were finally given a three month trial modification, which was only $300 less each month, not the $12,000 per year promised by the President. We made our second of the three trial payments and due to Memorial Day holiday, the payment arrived two days late. Bank of America cancelled our modification. Now they want $20,000 and us to resume our normal monthly payments or they will foreclose. We need help! They are so crooked!

Another Bank of America Foreclosure Horror Story

After the foreclosure process began, I was told that I qualified for the government modification program since my loan was Fannie Mae. I was very hopeful at first, but after 9 months, I have all but given up.

I am slowly getting back on my feet after going through a rough patch for 4 years. They did not try to work with me when I was struggling to make my home payment. I tried to make partial payments which they wouldn't take. I called one day to see what I could do and was told that I was in foreclosure and there was nothing that I could do. Instead of the $2000, that I was behind, It became soon became $8000 and then $12,000 as the fees and penalties kept building. I have had my sale dates pushed out 3 times now. They wait to three days before the auction to do this.

I have provided every document that they have asked for, sometimes several times and called over and over, as instructed, to get an update and still no information on a modification. I have been given misinformation and conflicting information many times. I have been sent rejection letters that I was later told later to disregard. I have been sent multiple duplicate documents.

I sent two formal complaint letters to Brian Moynihan, CEO. On 6/7, I did get a call from Frances Artura on 6/20 with the Customer Advocacy Group. She assured me that something would be done within 48 hours. I was hopeful that I would finally hear something. Nothing. I called back and she told me that my case had been given to a negotiator named Olga Romero and I would get a call back in 48 hours. I called both women on Friday and left messages. Frances did call me back and asked me to wait until Monday. On Monday afternoon there was no call. Today is 7/7 and I am still getting the run around. I was assigned to another Sr Negotiator named Geoge Penate, and once again, I was told that he would contact me in 48 hours. This was 4 days ago. I have not spoken to him yet.

I am a single woman trying to keep my business going. I am not a deadbeat and have never been on any sort of public assistance. I feel so helpless. I can't take this much longer.

We lost our home to Bank of America after they lied to us about our mortgage going down after 3 months. We ended up filing for bankruptcy and we were reassured by a federal judge that the house was part of the bankruptcy; and we no longer owe nothing on the house. We understood it would appear on our credit report but we would owe nothing. Bank of America refuses to take our names off of the house as active owners and claim they are not breaking the federal law of bankruptcy. They are rude and do not care. The house was auctioned and they are mad that they did not sell it; and they have a tenant that will not move out. The tenant has lived free for 9 months.

applied for a modification program was denied. called many times to apply for different programs and the bank states they cant help me. Iam experiencing hardship. I feel i have been discriminated.

I have been trying to get my payments lowered for the past year. I have sent in all the paperwork only to be told that they do not have a program that would fit me. I have called, faxed, emailed and have been told that I do not qualify for any type of loan reductions.

I sent my payments in only to have it put into an escrow account. They took it upon themselves to add my insurance, which I was paying out of my pocket BAC, into my house payment along with the taxes to the house making my payments 1950 from 1353, which is too much.

I made my mortgage payments without incident to Nationwide for years. Bank of America took over and I made payments to them each month. After a while, I received notice that I had not been making payments and therefore my interest rate and payment would double.

At this point, I learned that Nationwide was NOT applying my payments to my mortgage. I told BAC I could NOT make a double payment. I am newly disabled and cannot do it. A man came out as a representative of BAC and looked at my house inside and out. He said nothing and left. Since then, BAC has quit paying insurance and property taxes. I have not heard another word about it.

What is happening? If the county takes the house for non payment of taxes, will paying the taxes mean I can take ownership of the house? I don't know what to do. I understood from BAC they were going to reposess, but have heard nothing else. So, I stopped making payments altogether. The last time I heard anything was a year ago.

My loan was with First Franklin loan where I started a mode at 744 a month then they vanished and BOA took over. It has been horrible ever since. They lost the papers and blamed me for it, telling me my only option is to short sale or deed in lie of foreclosure.

I don't know what else to do. How can a bank do this when they can't produce loan documents or deed?

In August 2010, my mortgage was transferred to this lender for servicing. I have lived at this address since April of 1994 and have never been late on my mortgage. Since the acquisition by these **, they are now, as of January 2011, claiming I am late and starting to charge late fees, saying I am two months late.

I have sent in bank statements to show all payments made and up-to-date. They are yet to correct it and they have also listed the previous lender, showing late during the same period though that lender has no mortgage with me now.

In November 2008, I was injured and unable to work. Exhausting all savings and borrowing from family, I was able to continue timely mortgage payments until June 2009.

I called BoA at the end of May 2009 to tell them that I was unable to make June 2009 Payment on time. Still unable to work, I asked the BoA representative to put me in contact with someone who could help me refinance/modify the loan to lower the monthly payments. I was told that because I was not yet late with my payment no one could help me. I was told to call back when I was late with the payment.

I called back in June 2009 only to be told that I was not "technically" late yet. I again called at the end of June 2009 and was told that though I was late, I was not "late enough" for BoA to help me. I explained that I was trying to prevent being late and that it was crazy that the bank would not want to help keep me in front of the problem.

I called again in July 2009, and a BoA representative told me that I was still not "late enough."

Ditto August 2009. At some point, I was told by BoA that "ideally you have to be 90-120 days late for us to qualify you for help." Eventually, I received a threat of foreclosure in the mail and figured "I must finally be late enough," so I called BoA. This time I was told that I was "too late," and they couldn't do anything to help me re-structure my loan or the rate of the monthly payments. I was told that it would be seen as "good faith" if I sent in one or more payments and they would be able to help me at that time. I sent in two months of mortgage payments, which they accepted, but continued to deny me help with the monthly payment.

I went to a HUD approved counselor in October 2009 for help maneuvering around this terrible system. In short, we have submitted my information at least five times since then. I have confirmed receipt via email only to be told months later, "we never received your information," or something in the paperwork "is missing."

I truly believe BoA continues to "lose" information and request re-filing of information hoping a deadline will be missed or that I fail to include vital paperwork needed to process my request so that they can deny me help. Several times BoA representative has canceled appointments with my HUD representative (it snowed-in winter, imagine!)

I just want them to help me out or kick me out. The disgraceful way BoA has handled my account makes me want to just forget it and be foreclosed. It's infuriating because I believe that this is what BoA wants to do but is being held back by the government.

I now believe that being told that I had to be late in order to qualify for help, being told I was not late enough, and then being told that I was too late to get help constitutes fraud.

Is there any way to get help when defrauded by one of the biggest companies in America?

I help distressed homeowners with the short sale of their homes. Part of BofAs process is to upload necessary documents to the Equator system (a web based portal for short sales) I uploaded Indiana Board of Realtors contract the Residential Purchase Agreement and Sellers Counter of to the Purchase Agreement during three seperate transactions. Each time they rejected the offer stating that is was not signed.

The offer however was signed on a seperate counter offer that becomes part of the real estate purchase agreement. After discussing this with many customer services reps within the short sale dept they basically told me that the seller needed to sign in the spot or they wouldnt except it. If a real estate agent advises a seller to enter into a contract that he doesnt agree to on all terms then that would be fraudulent. But the staff at BofA who are not licensed real estate agents nor attorneys are telling me that unless I have the offer signed in the spot that they want signed they will not allow the document through.

Heres my problem, the staff that is reviewing the documents is not reading the contract fully and if they were they would understand why it is not signed there and why the attached counter is in place and signed by all parties. The BofA short sale staff should not be advising real estate terms nor making sellers sign contracts. Basically they are prolonging a already too long process to met the needs of their incompetent staff when if they changed their procedure a little it would save them a little time. They are putting themselves at risk of violating real estate ethic laws and practicing real estate without licenses. I hope that this issue can be resolved within the company before a law suit occurs.

It saddens me to read the prior posts from people like myself who unfortunately have a mortgage with BofA. The kids working in "collections" probably make $12 and hour, and are not interested in helping your situation, nor do they have the knowledge or expertise to do so. End of Story.

People...Do not send the collections department any of your personal documents!

Also, do not fall for the "trial payments". I haven't done it, but it sounds like a ploy to grab as much money from you as they can before foreclosure. I would just stop making payments, and wait for an intelligent employee who sounds experienced and educated to call you! And not someone from collections! Sad, but this is what our country has come to... FYI watch the documentary "Inside Job".

I have applied for a loam mod. due to I have an interest only loan thats an arm in which I pay my own taxes and insurance. I used NACA to no avail. BOA offered me a mod. with the same 7% interest rate that I had and also a fixed arm rate with increased payments in which I can not afford.

In 2008 my house was going into foreclosure with Countrywide Mortgage. We found buyers and started a short sale. We moved out of the house and the couple took back their offer to buy. In the meantime, Bank of America bought the mortgage from Countrywide. We continued to maintain the house, even though the locks were changed and the water was turned off by one of the mortgage companies. Not sure which one !

Anyway, by the end of 2009, I had to file for bankruptcy, which included the house, city taxes and charges and a credit card that I had maxed out. It was finalized by August of 2010. I thought this would be the last that I heard from either company. Bank of America is still calling me, 3 to 5 times a day. I have had this house up for sale since August of 2008. I have tried to do a deed in lieu of foreclosure, several times, have sent my bankruptcy papers to them and March 1st of this year, I signed and sent papers back to my realtor for a short sale ! when I call Bank of America, they are really rude and re-route my phone call to several departments, from the foreclosure, bankruptcy, short sale and collection departments !

I just want them to take the house now and leave me alone ! Can anyone help me ?

ago when the mortgage field went under , countrywide sold my account to bank of america. this company had got to be running for the title of being the biggest losers out if all mortgage lenders. i still can't understand how a company can beg for bailout money , even get it! but yet still keep on taking money from from the community without any remorse! they needed help and the government helped them ! so why are they given everybody the run around! they have numerous complaints on how they do business!

i think we should give them there properties back and take a stand ! as long as we allow them to bully us , they are not going to do the right thing! why would they? they already got there bail out money! my current mortgage an adjustable rate, i asked them could i just get a fixed one and get it lowered being that the rates had dropped tremendously! all the can tell me is that they will get back with me ! lol this has been since 2009! obviously the ceo don't care because he is rich so we are at the bottom and he don't care about us! i say lets give him back his properties and see can he take all these properties with him when he is no longer here. people do what they want to do! fyi ! the reason why congress is not responding is because they are corrupted! too ! they are wolves in sheep's clothing , all of them are being exposed!

Due to the short of my income and bad economy, I have used up all of my saving money to cover all of my expenses including my mortgage payments in the past 3 years. I then applied for make home affordable in January 2010. After the fast approval on my trial payment, it has been 18 months of my bi weekly calling them, verifying myself and keep hearing over and over again that my request is being reviewed.

They are pretending to help by give me the trial payments but at the same time they have been reporting delinquency to credit bureaus, adding interest and fees to my unpaid balance and sending me a letter of foreclosure.

Base on their slow process and ignorance on my application, I am now 10 months behind with $50,000 outstanding balance and the foreclosure could happen anytime.

Thank you for your help and concerned.

Pakorn **

I have been going back and forth with BOA for almost 2 yrs for my making home affordable loan. They keep requesting the same documents over an over then claim I didn't send them in. This last time they said I was denied for the loan and no ,longer eligible because I didn't send page 1 & 7 of the bank statement I downloaded.The bank statement was all there I 'send them the FDIC page. They told me the people who reviewed my account were not qualified to tell if all of the pages of the actual bank statement were included. WHAT???

They work for a bank and can't tell if all the pages of the statement are there or not.I don't want that person reviewing my account then. I have called and spoke to several supervisors and they are not willing to enroll me back into the making home affordable plan they said I have to apply for another kind of modification. i am not happy since I have been going back and forth with them, even e-mailed the rep who was calling me to make sure he received all documents and to see if he needed anything else. Who can I call or complain to get back on the program?

on may 13th i sent in about 60 pages of documenatation regarding a short sale of my home. i have no access to a fax machine so i made sure the documentation was sent 4 days ahead of time, apparently B of A does not know how to process regular mail.

i have tried to contact them numerous times and get different answers from everyone, i finally contacted the homeowners hope hot line and they were off some help though i must admit B of A was very rude to even them. to tell you the truth i don't think B of A wants to help anyone, just as i have seen on international news regarding helping homeowners in financial trouble.

My house was paid off in April of last year and I still don't have official documents that show it has been paid off. I've been lied to, ignored, treated rudely, etc. If I was that late with paperwork, they would have foreclosed! How can they still be in business? I don't trust them and I want the deed. I would not be able to sell if I needed to. At present, I do not wish to sell, but I feel I don't have that option and I want to know if the paperwork is official.

i applied for the bank of america loan modification program to lower my mortgage payments at the beginning of 2010. by mid 2010 i was classified as a foreclosure status customer and could no longer pay my mortgage on line. i was told to send many confidential papers to their loan modification department which i did. i was told i qualified for a much lower mortgage which would have helped a ton! however by the end of 2010 i had heard nothing back from bank of america could not pay y mortgage online. made several unsuccessful phone calls and was transferred to many different people and departments before getting transferred to anyone who knew anything at bank of america-each cell phone call made by me using expensive cell phone minutes on calls lasting more than 30 minutes.

just before Christmas 2010 and after just losing my job due to a back injury when my pay was drastically lowered i was finally told by bank of america that i did not qualify since i had a fannie mae mortgage!!!!! i am still outraged. i just now this year 2011 managed to find someone who knew how to unlock my account so i can again pay my mortgage online. before that i would have to make 1 to 3 phone calls before reaching a bank of america employee who understood that i could not just drive to a bank of america location ( the closest one is 3 hours away!) there is a bank of america labeled store front in my town but i am told they are not a bank just an office and cannot accept mortgage payments!, and that phone calls were the only way i could make my payment which would cost an exorbitant fee which finally they realized that they could and did (hopefully) not charge my account and did finally take my payment each month i was locked out of my online payment access.

i am also told that the pmi ( private mortgage insurance cannot be dropped even though i have had my loan for over 5 yrs and never had a late payment) 50 bucks free for them not going to principal or interest or escrow. escrow? yes they did try raising my escrow based on the assumption that my property value would increase each year! lol. what a crock. i managed to find a loan retention officer two years in a row who i told that my mortgage would be even higher if they just assumed my property was worth more and could they please lower the mortgage payment back to what it was the month before. my property value along with many people has dropped! i used that as my last argument with them which took 3 phone calls before finding anyone who made any sense or had any knowledge of that entire scenario. and my last thought in this entire mess is that i had asked the mortgage reduction person why they couldn't process paperwork faster and why it had taken over 6 months of promises to reduce my mortgage and then to find i didn't qualify with a fannie mae loan she simply stated, "Bank of America won't hire more people we are backlogged like you wouldn't believe." i believe it!

I have been in the process of a home modification for the last 13 months, to find out last week that we were denied. In the beginning, I was told to pay a trial payment amount until the loan was modified or denied. I was never told to make the original payments. They are now telling me that I owe them $4000, and that the trial period was only for 3 months. They have destroyed my credit. Do not use B of A. They do not know what they are doing. They have terrible employees and terrible communication.

BOA offered me a modification with a guarantee I would get it. I was told to pay $300 less a month than my mortgage and it would take 3 months to review. Well, I did then 6 months later I was denied the modification and I was told I owe late fees. I said, "Why do I owe late fees? I did what you told me to do." They said, "Well you didn't pay your full mortgage amount." Can you believe that? I talked to a lawyer and he said in fine print and in mortgage language it says you would owe late fees.

So I called them to make a deal to pay extra on my mortgage monthly to pay the late fee's which I have been doing for almost a year. And guess what, they took my whole April Mortgage and applied it to the late fees and I just got a letter about it last week. So now I am almost behind 2 months. I can't believe that no one can help us. This company has been screwing us for two years and no one can or will help us! Every time I see the light they do something to us. This is not fair! My original mortgage was with Countrywide. I would like to thank them for selling us to the worst company in the world!

Apparently, they misapplied some of my funds to another account and also in January, they pulled out $1,009.17 from my payments to pay Escrow because I guess my tax rate is higher than it was, last year. Then they told me that I owed over $6,000.00 and later, I received a letter indicating that my account was up to date. I have already sent them $6,500 which had to pass in the mail before getting this letter. When I called, they said that the letter was not correct. They have not adjusted the interest rate correctly with the home modification and have ruined my credit. Can you please help? I don't have the money for a lawyer and am worried about foreclosure.

I'm writing to advise you of the nightmare that many Americans are experiencing with the Home Modification Process in the hope that you can help us. I am sure that some of the contents of this letter will sound familiar to you. Sadly, I am one of the millions going through this tedious scenario and I hope that in reaching out to you, I may find some assistance with the mire of paperwork involved with the HAMP program.

My current loan modification is with Bank of America and statistics show that of all of the banks within that industry, BOA has the highest failure rate of obtainment where HAMP loans are concerned. I could consider myself lucky as I am on that who has successfully entered into a permanent Mod but that is not the case. I am very frustrated with the process and frightened that my home will be taken from me because the process is a failure.

A bit about me, if you will allow me the indulgence: I live in a modest home in Morris County and have worked hard at my job and to that end, I have been an employee with the same company for nearly 26 years. Post divorce, with the loss of my husband's income, I took a proactive position and contacted a mortgage company in Flanders, NJ to refinance my home. My credit at the time was very good and I entered into that refinancing happy to save some money to allow myself to keep my home. With the housing market performing so poorly, the sale of my home became nearly impossible and each year, I've watched my real estate taxes sky rocket. In 2002, they were under $3,200.00. Today, they are almost $8,200.00. When the Home Modification Program became available, I went to my line holder, Bank of America which is formerly Countrywide, to discuss with them the concerns. I was having post-divorce and mentioned that I was afraid that I might encounter difficulties meeting the payments of nearly $1,800.00 per month.

In the latter part of 2009, BOA suggested I try the Home Modification Program and in good faith, I discussed the plan with them. I was told that my monthly payments would be under $1,250.00 and they explained that I would be put on a 3-month trial basis. If I could make my payments on time in that three-month period, I would be approved for permanent modification and my payments would be static for several years to assist me so that I could stay in my home without the fear of foreclosure. My trial period began in the winter of 2009 and somehow, my paperwork was lost but I was approved for modification in the winter of 2010, after the 3-month period and that is where my problems began.

Over the course of several months, I encountered so many issues with inconsistent information. I sent and resent the same documents to them over and over during the modification process. I faxed, emailed, called and refaxed the same documents over and over and somehow they were always lost. In April 2010, I called BOA for a status on my HAMP and I was told that I'd been approved and that I should begin making the payments of $1,559.00. Please note that this was almost $300.00 more than what was originally projected and only $200.00 less than I was originally paying pre-modification. I thought I was good to go.

However, after Countrywide and BOA merged, I was told that I had to undergo the entire process again because my paperwork needed fresh signatures. I believe that the truth of the matter lies within the fact that BOA was one of the banks that was accused of improper paperwork submission. Please see enclosure. No matter what, I completed all the paperwork again and again, it was lost. I sent in another notarized copy and all the while, BOA was reporting me as delinquent on my loan. I was not delinquent nor did I send them short payments but somehow, the Customer Service Division never could understand that my payments had been modified and they kept telling me that I was sending in partial payments? Today, after being in modification for almost 18 months, BOA still cannot seem to get their own house in order. They harass me daily with up to 10 calls a day. They send me canned letters, all of them threatening foreclosure if I don't stay current on my loan. I am current on my loan. I am in permanent modification but getting them to acknowledge it and update my records to correctly reflect my history is downright impossible.

I am enclosing email copies of correspondences that have been going back and forth between myself and workers who are in the modification division of BOA. And now, after a glimmer of hope that someone there cares, my latest attempts to get an answer are going unnoticed. I'm writing this letter because I know without doubt that there are thousands of people like me who are battling BOA and getting nowhere. As elected officials, I felt I needed to make you aware that this is a very serious problem plaguing me and many other hard working Americans. There is a tremendous flaw in the modification program. I know banks would prefer to foreclose because the recoup more from a foreclosure than a short sale. They also prefer not to enter into HAMP agreements and in my personal opinion, it is the reason why so many loans are not approved. They have to enter into some of the HAMP agreements because not doing so would give the appearance that they are not willing to help their borrowers. But I believe that they entered those agreements like mine, because of pressure from the government to do the right thing, not because they care.

As far as BOA is concerned, they have not stopped processing foreclosures. They run hand in hand with modification programs. I don't think the modifications work as they were designed to. I think they are a band aid applied to the gaping wound in a stressed real estate crash. BOA has no desire to help us because it isn't personal after all, it's only business. There are so many boards on the internet, full of stories of individuals who like me, met the three-month trial modified payment plan only to be foreclosed upon anyway in the long run. I fear that is where I am headed.

I would also like to discuss the John **** vs. Bank of America Lawsuit. Since his story is similar to mine and millions of others, I would ask that you monitor the suit. I understand that he has engaged the services of 25 law firms to bring the suit to BOA which should be happening fairly soon. I wonder if you know anything about what could be one of the largest lawsuits waged against BOA for defrauding homeowners. One senator in particular, Senator John ****, has gone on record to support the victimized homeowners on the **** site and the John **** vs. Bank of America Lawsuit. I would like to know for the record which side you stand on.

In closing, I have been afforded numerous apologies by BOA for the failures I have encountered throughout my modification with them but I'm not looking for an apology. I want one person to be as accountable in my dealings as I have been with them. A single individual who can straighten out my loan issues who I can speak to and know by name vs. calling their useless customer service center, who would go a long way toward helping me. I am no deadbeat. I pay my loan and all of my outstanding bills in good faith but because of this nightmare, I can't even get a loan to help myself because BOA has ruined my credit with their inaccurate reporting to Experian and the other two big credit reporting bureaus.

There are numerous lawsuits pending regarding HAMP and BOA. I've submitted complaints to the OCC which is enclosed and I have no doubt that the investigations from the Attorney Generals from AZ and NV coupled with complaints like mine, will most likely continue to grow across the other states. As you have served honorably for a number of years in the senate, I trust that you will do the right thing and stand up for honest hard working homeowners. Thank you for your time. I appreciate any help you can provide. Sincerely, Paticia.

I have owned my home since September '98. In 2008, as a result of loss of a second job, I fell behind on my mortgage. I applied for a modification, through Countrywide Home Loan (CW), in February '09. I was offered the Home Savers Advance (HSA), through Fannie Mae and accepted it (paying back $4,838.17 @39.15 per mo for 174 months, in addition to my $632.75 mortgage). I filled out the paperwork, fedex'ed it back and had it confirmed that my account would re-open May '09. In May '09, I made my first set of payments to CW. During the summer of '09, I found that Bank of America (BOA) had taken CW over.

I made full payments (and additional money) monthly, through June '10 when I was attempting to buy a car. I was turned down because BOA had me listed as not paying payments since October '08. Since that time, I had to research to find that Abdul **** never turned in the paperwork, so the $40 to $200. HSA monthly payments, in addition to my regular payments went into escrow, while my loan built penalty fees and interest charges. On June 22, they applied the money to the account (post dating the payments for 6/7/10). It brought me to owing BOA over $10,500. Late July, I found I had to reapply for the modification and had been denied twice. I received notice that my house is in foreclosure unless I come up with the $13,500 +.

I have all my paperwork from March '09 through April '11 and can get phone records from countless calls to BOA since June '10. I agree that initially, in late '08 I had fallen behind, however, CW and I agreed on a HSA which I had been paying back for over a year. I have exhausted all of my income and resources so I am turning to you for help. My home means a great deal to me and am willing to do whatever I can to avoid losing it through foreclosure. I am anxious to settle this matter and would appreciate very much receiving a prompt response.

The important fact is that in February 2009 I qualified for, was offered, and accepted the HAS loan through Fannie Mae. I started making my payments in May '09. Bank of America took over Country Wide and made an error when they took over. They have failed to fix the error and are making me responsible for their error. My only hope is that you will recognize the need to fix this mistake and bring my payments back down to the reasonable rate they were before BofA made the error they refuse to fix. It was their responsibility to take over all the loan, not just bits and pieces of a loan. My loan had 2 pieces. The original loan and the HSA loan through Fannie Mae. I truly hope that you will consider working with me and I am anxious to get this settled so I can move forward.

I am trying to do a short sale on my property, on which Bank of America is the second lienholder. I have an offer on the property right now. The first lienholder, HSBC Mortgage Services, has already approved the potential buyer's offer. HSBC is prepared to settle with B of A up for no more than $3,000.00. My outstanding B of A balance is $41,000.00.

On May 5, at B of A's request, my realtor uploaded all the necessary documents to B of A's Equator website, including my hardship letter. On May 11, they rejected our offer. They stated it is because my property address is legally listed as **, which is on my B of A account. However, the property is also listed in the City of Oakland as **. Both street numbers are for the same property. My realtor just sent them an addendum to the contract showing that it was the same address. B of A then rejected it again, telling my realtor that they are now selling my loan to a new servicer. They stated that this relieves them of the responsibility of processing my short sale.

This is very, very suspicious. First, B of A rejected it because of the address. Now, they are selling the loan off. They have been my 2nd lienholder for 2 years and I have never received any communication about selling my loan until the very moment when I am asking them for their approval on this short sale.

In 2005, I bought a home in ** for $279k. For today's market, it's $85 to $125k, so I requested a modification in 2010 which they approved in July 2010. After it was approved, I was making my payments as accorded in the new modification, and then they started sending notices that I was in default. I spoke to them a lot of times with a representative from making home affordable programs. The first time they told me that my loan was not entered to the system that they will work on it and let me know, okay, I waited, but at the same time, I was making my monthly payment.

Another three months and again, the same problem, which is I was in default and needed to take action. I called again and they told me that they were in the process of entering and to call in ten days to see if they had entered it to the system. A couple of weeks later, when I called, they told me that I needed to apply again and that there was something missing and they could not tell what. So, I applied again, only to find out that I did not qualify for modification. Can they approve the modification first, and then turn around and say no? When they modify my loan, they only lowered my payment for $60.00 dls.

I am trying to get my home loan modified through my Lender, Bank of America. They have an online source to begin the paperwork, which I obtained and followed their directions. The first call they told you to make is to a collections Dept. - 800-846-2222. I spoke with a young man by the name of Josh, who took my information and transferred me to Jenny, a loan officer in Refinance Dept. After speaking with Jenny, it was determined that I could not refinance and needed to contact their Loan Modification Dept. in Scottsdale. Jenny gave me their phone number, 602-308-4266, and told me I needed to set up a meeting with that person to look into Loan Mod. options. She told me I had to schedule meeting and couldn't just walk in to the branch where this office is located on Camelback Rd. in Phoenix.

I have been trying to get through to them to set the meeting up for two days now, each time getting a recorded message that they are unavailable and to leave info and phone number and they would call back, which they haven't. I called Jenny back to make sure I had correct phone number and told her about not being able to get through to a person. She verified the number I had to be correct and said she would try to get through and call me back.

A while later, I received a call from Jenny telling me she was able to get through and she was told that the phones were set to messaging because they were so busy. They told her they would put phones back online and for me to try again. I tried again twice more, but was still sent to automatic messaging recording. In all I have called 6 times between yesterday and this morning, each time having call sent directly to voice messaging and no one from Loan Modification Dept. calling back to set up meeting so I can begin process of Loan Modification with Bank of America.

I have called and left a voice message on Jenny's phone this morning telling her I need to find another way to contact these people as they are not returning my calls and every time I try to call the number she gave me, I am immediately put to a voice messaging system that asks for my name, phone number and loan number and tells me someone will be in contact with me, which hasn't happened for 2 days now.

My loan was transferred over to B of A from Countrywide. I have never had a loan modification and never been behind on my payments. The Bank of America has posted fees due to my account which no one can tell me what they are for. I have called every month for the last year regarding these due fees. I have sent e-mails to their contact website regarding these and just they stated that these were legal fees and title fees. I asked for what are these.

They stated that I would have to be transferred to the home retention department, then to customer service department and then to the special handling department. This month, B of A sent me a letter stating that my mortgage had not been received for last month of April 2011. They showed the payments on the bill for May 2011. I still have not gotten the situation with the due fees resolved. I am so tired of going from transfer to transfer and no one knows what is going on. I have even went into the banking center and they call into the same call center I have gone through.

I contacted the CEO's office concerning a short sale I am selling as a real estate agent. Pauline ** did nothing but stay on line with me while I spoke to the short sale representative, who did the same thing that had been done for the last two months. When I asked Pauline if she was satisfied with her company promising to do the same thing they had promised 2 months ago, she refused to answer my question and hung up the phone in my face.

Now I know why Bank of America continues to have terrible service and internal issues. If the CEO's office is satisfied with that type of service, you cannot not expect anymore for the staff. If the government really wants to stop the foreclosures, something is going to have to be done to make Bank of America efficiently process their short sales because the CEO office does not care about their poor performance.

I went through mediation with BofA and their law firm, Potestivo, to secure a home loan modification. I was granted a trial modification with the home retention department. I completed the trial modification exactly as ordered, but was later denied a permanent modification. I was told by my negotiator (Andre) that I was $600 short in income per month to qualify. Three months ago, when I started the modification process my income was right on. My financial situation has not changed since the trial was granted. He said that there were no guarantees and that I was told that my final modification would probably be the same as my trial (the keyword is "probably").

However, he said, " Hey, I could begin another brand new trial modification with Making Homes Affordable, and you can pay a trial payment of $1,160.00 instead of the $820 payments that had been agreed to in mediation." It was $340 more per month than my previous trial payments. So, let me get this straight. I have to make more money to pay less, but if I make less money, I have to pay more. The home retention program is based on your net income, but the MHA program is based on your gross income. A third grader could figure out that this doesn't make any sense. It is a huge scam. We, the taxpayers, have given the banks the capital and authority they needed to take advantage of the economic crisis they created.

I have been led around like a dog on a leash by this bank. I have faxed them close to one-thousand documents over the past one and a half years, and duplicates over and over because they claim they don't have them, or they need to be updated. They are either incompetent or criminal. They are not helping customers with modifications. Just look online at the modification nightmares. The number of complaints and the similarities in their experiences speak for themselves.

For more than one year now I have lived in day-to-day fear of losing my home. My family has suffered tremendously from the stress of not knowing where we will live or what we will do if BofA just decides not to work with us. It's like waiting for a pardon on death row. It is madness. There is no logical explanation for their decisions. There is no communication from them. I know they string everyone along for some sort of financial gain. Whether it be fees or a better deal for them with foreclosure, BofA is involved in a modification scam. I believe it will rival their original mortgage scam that brought this country to its knees.

My mother passed away in Nov of 2007. My son is the executor of the estate as she wanted him to have the home. There is a small balance left on the home (under $10,000.00) My son asked us to call in a payment by phone. on Saturday April 23rd, we did just that. No one had a problem with us calling the payment in. We were asked if we were an agent calling on behalf of anyone and we told them,no. We gave the account number and told them that we were making a payment by phone. We were told that it was fine and that there would be a $20.00 charge to make this payment. We agreed. On Tuesday April 26th we went to take money out of our account but our debit card got rejected. My husband went into the bank and inquired what was going on with our account. We knew we still had some money in that account. They informed us that we were over drawn and it has to do with a check.

When my husband got back home we looked at our online statement only to find that Bank Of America had taken 2 payments on the check number we gave them, when they were only authorized to take one payment plus the check for phone fee. And then, we noticed that the next check number following the one that we gave them was also showing up on our statement. They used the succeeding check number that we have never given to them or authorized to be used by them by take the $20.00 fee instead of adding it into the first check. We called BAC and they admitted their mistake, but, they need to hear from the executor of the estate in order to refund the money because we were not authorized to do anything with the loan. (This kind of confused me because we were authorized enough to make a payment, but not authorized enough to get our money back that they over charged us. )

So, my son came to our house and we called them again. They have given me a number and an extension number to be able to talk directly to this supervisor so that when my son called them they could immediately refund us our money. When my son called, they told him that they need to talk to Caroline. (Caroline is my mother who has been deceased since 2007) They said that they had no death certificate or any papers for executor. However, they sent the payments in the name of "Estate of Caroline **". They told him that they could not talk to him, that now he was not authorized. He inquired who they need to talk to now, and they said Caroline **.

I turned around and called them back again. I finally was able to get through to the department that I had contacted earlier where I had talked to the supervisor, who said that he would be there until 7:00pm Arizona time or 10:00pm EST. But I was told that the supervisor that I had talked to earlier had left for the day. The operator that I had talked to then told me the same thing that they had just told my son, and it was that there was no death certificate or any paperwork for executor. I asked them then how is it if they had no paperwork on her death, then why are they sending the bills in the name of her estate? The guy said to let him take a closer look at the account, he then gets back on the phone and tells me that he found the death certificate but, still no legal paperwork. This paperwork was sent in at the same time.

They defrauded our checking account, and they have no intention in putting this money back into our account. Also, I believe that with all the money that has been sent in for payments, that the amount of money still owed on this home does not ever seem to drop. even though there is only a little more than 4 years left on this mortgage.

Our mortgage company, Wiltshire, sold our mortgage to Bank of America last year. We had no notice that BoA had taken over our mortgage until we received a phone call in January 2011 from someone giving us a new account number and stating that we would get a statement in the mail. A few days later, we received a notice that our loan was in default. We had never missed a payment, but we thought it may be related to the fact that we had been sending payments to Wiltshire and not BoA, so they were arriving late as I could see on the statement that payments were being received. We corrected the online payment and figured it would self-correct.

In February, we again showed as past due and that was when I realized there was an escrow on the account, which we had never had with Wiltshire. More research showed that they had placed "lender financed homeowners insurance". I immediately called and was told where to fax our homeowners insurance. Now mind you, this is February 2011. I had our insurance company fax the information and figured that was that. March came and again, we were past due. I again called and this time, I was told that there was a "lapse in coverage in July 2010". Seriously? And no one told us? You waited until January to put an escrow in place? So I contacted our homeowners insurance, who stated that there was a lapse (I had no idea. Good thing our house didn't burn down).

BoA stated that we needed to send them $141.98 for the coverage they provided (15 days worth) in order to bring the account current. We could argue and fight, but figured that, fine. So I sent the $141.98 with the statement from BoA that says why we are sending and for what. So for the past month, I have been getting six phone calls a day from BoA. Then on Tuesday, we got a check in the mail for $212.50. A refund for escrow that we never had and our payment still shows past due! Today, I talked to Ed. He claims that they applied my $141.98 that was for insurance to late charges! Late charges they caused! Unfortunately, poor Ed got the brunt of my wrath and he finally said he got it straight but they have sent us a check for $1100; the amount of the payment we sent in April because it was "less than agreed". Are you kidding me?

So, we have to wait for the $1100 check to arrive and then we send that and the $212.50 back to BoA where Ed has applied the $141.98 as a payment. Then he said, "but it needs to be back by the 1st to avoid lateness being reported to credit bureaus". In reading these posts, it appears that as of January 2011, BoA has suddenly taken to adding escrows whenever they choose. We are taking steps to pay our mortgage early because we no longer want to deal with these **!

I received a phone call at my work, which was not appropriate, from the BofA. They wanted to know why I did not pay my mortgage. We were not late. We paid on the last date, electronically, and they called on that day.

Now, my work phone has been getting the same calls (finding this out on caller ID) and nobody is there. When I called back, I got an electronic voice asking for my ID, SS#, etc. There is never a live person on the other line. My company is getting upset with me since they are tying up our business phone lines with this harassment phone call. The calls are from 5 to 15 times a day to my office.

I need this stopped before I get fired. If that does happen, I will seek an attorney. I need help.

In 2009 I entered into a forbearance agreement with BAC after having fallen behind in my mortgage. I completed the 6 month forbearance program, making mortgage payments at a lower rate and was offered a loan modification. Upon receipt of the modification I signed and had a notary sign the documents and returned them to BAC with a check for the new amount of my mortgage which was to begin in February of 2010. In January of 2010 I received the loan modification back with a note indicating that my modification could not be accepted because the documents had been altered. Upon further inspection I noticed that the notary had used "white out" to correct his signature on the document. I immediately called BAC to ask what I could do and why was this voided out for an error that was not mine. The customer service rep told me there was nothing I could do except to re-apply for a modification and that just because I received one in the past did not mean I would receive one again.

So that evening on the phone I began the process of applying for a loan modification. I was assured that my loan modification application would be expedited given my circumstances. Well it wasn't. Maybe 6 months later I heard from BAC regarding my modification application. I sent them the requested documents and again waited for a response. The only response I got was that I had "missing" documents that I needed to send. This happened two additional times. After sending the documents for a third time, I then contacted BAC to see if my application was complete and was told yes. About a month later I received a letter from BAC stating that my application was incomplete therefore I could not be considered for a modification. I forgot to mention that when they returned my original loan modification to me they did not return my check that was part of the contact! A month after that letter stating my application was incomplete I received a letter telling me that they could not approve my application for modification.

So, first my packet was incomplete, now my packet is complete and I was not approved, after having been approved in 2009. Currently I am in foreclosure and have hired an attorney to fight BAC to reinstate my initial loan modification. BAC's lawyers have already sent one letter basically trying to bully me into not fighting the foreclosure. I will fight this to the end. I accept full responsibility for my delinquency, but I signed an agreement to solve the delinquency. But BAC is playing games, as usual. When will this end with BAC? Economically I have had to hire an attorney to fight my case costing me $4000 so far.

I inherited Bank of America when CountryWide sold my mortgage. I decided to see if I could get a lower payment and rate, so in November 2010 I called the refinance department. The process seemed too good to be true as they gave me a new loan number right away and told me that I had been approved and could expect to close in February 2011. I cannot tell you how many documents I faxed over to 4 different people, Bank of America documents, bank statements, and a copy of my SSN. After the loan left Shannon **'s hands, everything was disastrous. All of a sudden, I had to re-fax documents and call them constantly to get a status or to see if anything more was needed.

They hardly ever returned calls, told me on several occasions that an email had been sent, but it turns out once it was still on draft and was never sent to me. Finally on March 16, 2011, Vince ** called to say that he needed some more information from my bank. I told him that I had faxed the documents over a couple weeks ago to Judy **, then he told me they needed original documents, yet nobody bothered to tell me this. Vince then proceeded to tell me not to worry as he would contact the bank directly to get the documents needed and that I could expect to close by the end of March.

On March 31, 2011 I called Vince ** only to find out that he was out of the office for days. I was furious as I had heard nothing once again from anybody. I asked to speak to a manager twice and was told that it would not do any good. That really infuriated me. I finally get put through to Vince's loan partner to be informed that they closed my loan. I was so angry. I tried again to speak to a manager. The customer service department gave me the number for Feolmon **. I left a message. A week later he called me back, although he apologized saying that the only solution he could offer was for me to go to a local branch, or to submit another loan through them.

It is clear that Bank of America does not care about its customer. I am also so worried about my personal information and the fact that I was gravely inconvenienced for months waiting for a loan that apparently was never going to happen. I am diligently seeking another loan company. I am angry at the manner in which my loan was handled; afraid that identity theft could result from this horrible experience, and I do not trust this bank at all to handle my finances in any way. I also think something should be done about a Bank who has this much business and is not doing it legitimately. Thank You.

We were offered a modification in 2008 because Bank of America took over our home loan from Countrywide. I have had to resubmit paperwork six times and have been advised that they received my paperwork but every time someone new would take over our file, I was told they were missing documents. I would get another packet in the mail, resubmit and the same thing for three years.

In 2010, I paid our taxes and HO insurance as we have for years because we never had an escrow. In January (three years after we started the modification process), we received a statement from BOA that indicated the increase in our payments due to an escrow shortage with our mortgage payments and so our payments were going from $2197 to $3777. I have talked to about 20 people since then and no one could give me a straight answer. They were telling me my loan was in underwriting. I said should I just cancel the request to modify, they said no, it should be very soon. So I stayed on board in hopes that we might get a little help if nothing else. I worked constantly trying to get someone to help us. I found out from one of the loan modification personnel that I was declined for the modification in January, but did not receive notice until March.

That the Real Estate Taxes they paid for $4,200 were refunded to them on December 23, 2010 and we figured out that BOA was still including those monies in this escrow they started in 2011. We also found out through one of their team members who casually said, "Well I see you were declined in January" they knew I wasn't going to get the modification in January but they went ahead with the escrow and were charging us for the escrow they paid in 2010 (but was returned to them in December), and in addition, they were charging for what our normal escrow would be every month moving forward. So taxes and insurance would be around $520 a month, so they doubled that for the money they paid out in 2010 and charged us again for future escrow payments.

On top of that, because the mortgage payments they expected us to pay were $3777, I advised them we could not pay that amount. We were still paying our regular payment which they were accepting, but when I made my next month's payment, they took a portion of that payment to cover the difference for the $3777 payment so they are now saying all of our payments are late and have put us on notice of being in default on our loan. I attempted to get in touch with Matt in the escrow department who was helping sort out the escrow mess caused by BOA and now every time I call they will not put me through to him to help me finally resolve these issues.

I made seven phone calls on Thursday, 4/14/11, which is when I told Matt I would call him back because I needed to speak to my husband and no one would put me through to the extension I had reached him at before. Plus I got dropped about another four times from transfers other employees did. The letter said I needed to respond by April 18, 2011, so today I am searching for a lawyer to help us.

We did not ask for this, all we did was fill out paperwork for a modification that they offered to us, which we did not request. I want to know why we were not notified that they refunded the money they put out for our real estate taxes and continued to charge us for that payment in our escrow and why our mortgage was not adjusted to reflect the refund. I believe there is a level of fraudulent activities on behalf of Bank of America and from what I see in your list of complaints, I am not the only one. Can't someone do something to stop them from these practices so this doesn't happen to anyone else? Who can we call at Bank of America? To find a complaint line or hotline is impossible in that website and no one in the offices seems to want to help. Does Bank of America have that much money that they can afford to close on hardworking homeowners who have been diligent in paying their mortgage for years, paying their own insurance and taxes for years, and now are attempting to take away what you have worked so hard your whole life for?

I'll keep this simple. I always paid my mortgage on time. I had Countrywide. BOA took over. I had a death in the family in December and other craziness going on. I somehow missed paying my mortgage for the first time in my life of being a homeowner. They did not leave me one voicemail message. (I had a lot of 800 calls that I did not answer as I thought it was sales calls and no one left a message, which a rep told me was not usual). I also did not get an email reminder either.

As a result, they sent me a letter which was received early in January that my payment was not received. As soon as I got the letter, I ran to my computer and researched frantically to see if they were right. The funds had not gone out of my account. I made a payment immediately. I also called and asked why no one contacted me. No one could answer and said it was not usual. As a result, they reported to the credit bureau my late payment and my credit is now ruined, credit cards rates went through the roof, etc.

The last correspondence I received said "Bank of America provides collection calls as a courtesy to our customers, and are not guaranteed. " **. I let them have it again. They suck to say the least. Keep an eye on them. They have a bad reputation with mortgage procedures. Again, never had a problem with anyone else.

I do not have address, but this has to do with the big corporate office. We have had financial problems for quite a long time now and have tried to get a loan modification for approximately 2 or 3 years now. Every time, we were told we qualify and to call back in 30 to 90 days. When we do, they would say we do not qualify and have to apply again. We have resubmitted paperwork 4 times and have spent over $200 sending this information to them. We ended up in bankruptcy and still, no response from them. After bankruptcy, they said we did not qualify. Then our lawyer called them and they said now, we are still in review but we needed to resubmit paperwork again! A week later, I received a foreclosure notice in the mail!

In 2007, my husband lost his ability to practice dentistry due to an Iowa Dental Board Action. He tried to fight them, but was ignored by them and the courts. My husband was accused of minor infractions that were never proven. His attorney was of no help and only wanted to mediate with the board. My husband felt he had done nothing wrong to deserve the treatment he was getting by the board and their investigator. My husband had no malpractice case or patient complaints. There was a $48.00 payment made to him by Aetna Insurance Company, which a new employee had filed the claim on. It was concerning a resubmitted claim that had been denied under a previous code.

The claim involved a procedure that can be coded two different ways by different insurance companies. It was the same procedure, using the same dental materials, taking the same amount of time but used a different code. The insurance company accused him of fraud because he had resubmitted the claim under a different code and was paid $48.00. The employee made a mistake when she wrote in the date, but wrote over the date to correct her mistake. The insurance person, who filed the claim, again mistook the date and recorded it. This made it look like the claim was sent in on a different date in order to get paid on it. It was merely a clerical mistake. The insurance company notified the state of Iowa Insurance Bureau of Fraud and they notified the Iowa Dental Board.

My husband was unable to get the Iowa Board to understand what happened and in the meantime, the board's investigator told the three new employees to report anything they thought was wrong in the office. They made up a checklist of procedures and wrote down things they could think of to demonize my husband's dental work. The complaints they made were never proven as no patient was ever checked physically or asked any questions concerning their dental work or procedures. It was all merely hearsay on the employees' part. It was all fabricated and exaggerated. It is not known why the employees did this, except that they were all three planning to quit soon. My husband found a constitutional paralegal to help him and he wrote letters to the board attorney and the investigator and the board's investigator.

The letters explained how my husband's rights had been violated and that he planned to fight them in the court system. The board sent my husband a letter stating that they felt threatened by the letters and that he must be out of his mind. So the board added mental condition to the complaints against him. My husband had a hearing in April of 2007 of which I attended. This hearing was a completely one-sided affair. My husband tried to explain the insurance boggle and that he did not write the letters, but it fell on deaf ears. One month later, the board suspended my husband's dental license indefinitely and we had to close the office. We took the case through the court system, with the help of attorneys and pro se, but no good came out of those efforts. Everyone believes that the Dental Board is morally good because they have the high ground and no one listens to the one accused. After closing the office and dealing with legal issues, our family lived on our life savings.

My husband tried to figure out what else he could do to provide for the family, but nothing worked. Mainly because I believe of the defamation of his character. We sold the dental building for $22,000 and his equipment for $8,000. We then lived on that money to pay bills. We put our house up for sale in 2009. In fall of 2010, we had an offer on the house as a "short sale". It was for $11,000, less than what we owed. Bank of America refused to accept the offer. That family backed out of the deal. In February, we had another offer but was lower than the first. Bank of America refused the offer and we lost the buyer also. Bank of America refused to communicate with us or our real estate people. Now, they want to foreclose on our house. We have recently filed Chapter 13 Bankruptcy due to our financial hardship.

In October, we moved to Montana to buy a closed pizza restaurant. This turned out to be a scam as the person did not reveal that there were unpaid bills and a lien on the property. The restaurant is located in a mall, but the lien is on the equipment. We did open the place after paying some of his bills and getting the place up to Montana Code. We have not made a profit on this since we opened in December of 2010. We work 11 to 12 hours a day, six days a week. My husband, my older son, our younger son and myself run the place. We are able to pay the bills but we are unable to pay back any past credit card debt we incurred due to the unemployment, so we are taking the bankruptcy route. This is something we never, in our whole lives, thought would happen to us. It doesn't even seem real, it is a nightmare. This is why I am sending you this letter. I don't know where else to turn.

BOA recently added an escrow account to my mortgage which I took out with Countrywide in 2005. I have always paid for my insurance (direct payment from my checking account) and also may my real estate taxes directly to Clark County. Now, BOA says that I must not only pay my mortgage, but also include payment into an escrow account they set up without my permission. After several calls to both their customer service and their escrow department, all I get is conflicting answers and they keep lying as to why they added an escrow account. Now, they say that I cannot make my mortgage payment unless I pay into the escrow account. I consider BOA to be a dishonest, fraudulent and worst of a kind financial organization.

August 2011, I contacted BAC because we were three months behind and I wanted to know if there was any way to get an assistance to catch up. I was told that I could not make bi-weekly payments until I was caught up. I was sent loan modification papers at the end of August and was given until September 11, 2011 to turn them in. I called a week later to verify that they received them and was told that they had the papers. I was told to call in a couple of weeks for a status update.

I called in October and was told it was still under review and it could take up to six months but I needed to continue to make my payments and call back every other week to check my status. I did from October until Jan 4, 2011 when I was told that my file had closed a week after I turned in my paperwork because they could not verify if I was living in the home. A current utility bill was submitted with all the documentation they requested and no one ever contacted to ask me if I occupied the home which is one of the questions they ask every time they call in.

I contacted the U.S. Treasury and filed a complaint against them. I got a phone call from someone named Abe in the President of Consumer Affairs Office regarding my complaint. I have the voicemail where he states that BOA messed up in closing my file. I also have it in writing. I had to resubmit all the information again. I was told in February that we did not qualify for a loan modification but there was another program that we were being considered for. I called today to check the status of my case being referred for the HAMP program only to be told that my file was closed but never referred and an email would be sent to the former negotiator's supervisor. Again, they have dropped the ball and I have had enough.

Back in May 28 2009, my husband and I received a notice from BAC Home Loans Servicing, aka Bank of America Home Loans. It tells us that our home is up for foreclosure review. By June 2, 2009 we had already received a foreclosure letter from Sirote and Permutt stating our home is now under foreclosure, and the full accelerated amount is due. Upon calling BAC, we get told that we are 5 months behind. Countrywide Home Loans had this loan before BAC ever got a hold of it and we were never notified by Countrywide that we were delinquent on payments.

With that said, BAC orders what they call "reinstatement figures" for us. They can never tell you exactly howmuch you owe over the telephone; they have to order the figures from whereever. It will take 7-10 days to get the figures, and they would prefer to fax them to you instead of mail them. We didn't have access to a fax machine, so they had no choice but to mail them.

Fifteen days later, we get the reinstatement figures, and it's for $9990! Our mortgage payments are only $859.19. If you add up $859.19 with a $42 late fee for 5 months, you don't get $9990! They had tacked on an outrageous amount in foreclosure fees, uncollected expenses (still to this day have no clue what the heck these are exactly), and foreclosure attorney fees. The figures were only good for 30 days and were ordered on 6/5/09. We had less than 2 weeks to come up with $9990 or lose our home to a foreclosure sale. Their foreclosure attorneys had already advertised our home under foreclosure in our local newspaper two times by this point. It was embarrassing! We had people pulling up in our driveway to look at the house. I had to explain to our children why this was happening.

I called BAC and immediately tried everything to work out some sort of payment arrangement with them. I was told that because of my loan type I didn't qualify for a repayment plan through our lender because the home was in foreclosure. They told me, however, that I could try to qualify for a loan modification.

Well, the gentleman took my financial information over the telephone, ran the figures up the flagpole, and came back and told me that yes, we did qualify for a loan modification. He stated we needed to send in a hardship letter, copies of our tax returns for 2 years, copies of all our bills, two months worth of bank statements, 2 weeks worth of both mine and my husbands pay stubs.

They got the documents faxed to them in 2 days. I called religiously after that to make sure they got the documents. Of course, after about 2 weeks of calling we were told they never got them. So I re-faxed them to BAC. This time they got them. I was instructed not to call for at least 30 days while they "processed" our paperwork.30 days turned into 60. I was told on one occasion that the foreclosure sale of my home had been "postponed", so at least that was good. 30 days turned into 60 days. I started calling in July 2009 to get an update.

Of course all their automated system tells you is not to call them, they'll call you. I proceeded in talking to an actual person anyway that might be able to see some sort of notes on the screen. I was told for the first two weeks of July that my loan modification was "pending". The last week of July we got a call from a BAC rep. We were told our loan modification was approved and to expect a Fedex package in the mail within 10 days.

We got the package on July 25, 2009. The so called "loan modification" kept us at our current interest rate of 7.5%, hiked our payments up from $859.19 to $938.00 and added another year to the back of our mortgage. Well, at this point it was either sign the doggone thing or be foreclosed on. We signed it, had it notarized, and had to put forth $877 worth of "good faith funds" to close the deal. The $877 was issued in a cashier' check and sent back to BAC in the same Fedex envelope as their crummy loan modification. We kept a copy of the loan modification for our records, and I'm glad we did. About a week after we Fedex'd the package back to them, I called in to make sure the document was received by them.

Lo and behold, I was told "no" that they didn't have it. However, a quick phone call to my bank revealed that the cashier's check had been cashed by BAC 3 days prior. They had the loan mod, they were just in no hurry to do anything with it. Another week later, I get a call from our workout negotiator, Tom W. and was told everything was a go, it would take them about 60 to 90 days to complete the mod and close on it.

I was instructed by this man to make my payments in accordance with the loan modification agreement, since we were indeed approved. Well, our first payment was to be Sept. 2009. Our mortgage statement shows up, and what do you know? Our property taxes are now being escrowed and it shows where we owe a past due amount of $9873.60 and an escrow deficiency of -$2633.35 and fees due totaling $332.43. Our monthly payment was not the agreed upon $938, but rather $1219.64! I called BAC and was told to just pay what was on the loan mod, since we had entered into that agreement with BAC. So, they got $938.

November I'm feeling generous, so they get $1000. Novembers' statement, same thing as October. Shows no payment has been made for the previous month.

We go like this all the way through Feb. 2010. I finally have had enough and my husband urges me to call BAC and get a straight answer. Ha, funny. I was told, again, to keep paying what was agreed upon with the loan mod, because it does show in the "system" that it has been approved, and is in the closing dept. However, our mortgage statement is showing we are further and further in the negative for our escrow and our past due amount is now totaling close to $14,000! We now owe over $1000 in "fees". I pay March's payment to the tune of $1000.00. Same thing for March's mortgage statement. Further in the hole and shows no payments have been posted to our account.

April 23, 2010 I get a call from a rep at BAC in their Workout Dept. She tells me that she needs to take updated financial information from me over the phone. So, I give her what my husband's now making an hour, what our bills are and what they total, our living expenses, etc. She tells me to go ahead and send in copies of all this, plus a new hardship letter, copies of our last 2 years tax returns, copies of our pay stubs, and proof of any other income we have! We were basically being asked for all new info to process a new loan mod. I told her if the workout negotiator needed all new information, they could write to me and request it that way. I was not going to send them anything upon just a telephone conversation. I wanted their request in writing. I never got a request, they never got the updated information.

I make our May and June 2010 payments in accordance with the loan mod agreement. Now our monthly payments are up to $1650 a month (normally they are $859.19 P&I, no escrow). July 2010 I call into BAC because my husband is freaking out about this, and I get told that they have "cancelled" our loan modification. No notes in the system as to why. Of course, I complain. I get told they will have to "escalate" the account to a supervisor, and to call back in 7-14 days for an answer to the problem.

Well, as everyone here is well aware, you don't get an answer from these people! You get the run around, which is exactly what I got for the better part of the next 5 months! My account was reviewed by the Advocacy Dept., the Closing dept., their Payment Research dept., their Home Retention dept (which is nothing more than a glorified name for their collections dept), countless supervisors (of which I have every single supervisor's name and extension written into very detailed phone logs I have kept since 6/2009), to no avail. Still couldn't come up with an answer.

Beginning in August we started sending in $1900 a month. They got $1900 for August, $1900 for Sept, $1800 for October, $2000 for November, $2000 for December, just to try to get caught up because they were showing where in July 2010 we were 16 payments behind! Come to find out the reason for that was these shysters were holding all of our payments into a "fees due" account and letting them just sit there, so by default we were late every month which means they collect more late fees from us. They did not post the escrow payments, they put that money into an "escrow" account. I demanded in Dec 2010 they post these payments. I got told that the reason the modification got cancelled is because BAC didn't show our first payment on that modification until Feb. 2010! Where did the payment of the $877 "good faith" funds go? Where did the payments for Sept. 2009 through Feb. 2010 go to? Sitting in a fees due account! Drawing interest that BAC gets to keep!

I convinced their payment research to post the payments, but it didn't do me any good as far as them honoring that loan modification. The lady also told me, in payment research, that there was a note on the screen, dated from 12/14/09, from their closing dept that says "error on loan modification documents homeowner sent in. Negotiator to send updated loan mod docs to homeowner. " Well, she couldn't find where the documents were ever sent out! They never left their building! Had that workout negotiator done his job, it would have saved me a lot of trouble and heartache and arguing with my husband!

To make matters worse, they started sending Notices of Intent to Accelerate in August 2010, wanting us to cough up $18,000 to save our home. They got $1800 of that, and they extended the notice of intent out another month. They accepted partial payment! We got Notices of Intent all the way up through December 2010. The one for Dec. 2010 had an expiration date of 1/20/11 on it.

January 2011 I made another $2000 payment. Jan 31, 2011 I call in, because I know we can't keep this game up, and we try to arrange payments to get caught up. I talked to Cathy in Advocacy Dept. (yes, Advocacy dept has had our file since August 2010 and didn't do ** with it) and she asks me the all important question "How much money do you have today, right now, to put forth in good faith? " I told her I had $800. She said they can work with that. She ran the figures up the flagpole and said that with $800 down, and $2653.00 a month for 6 months, we would be caught up. I proceeded to tell her this would kill us but we had to because we couldn't lose our home, so she took my checking account info over the phone. Well, she fumbled around with trying to get it to go through, huffed and puffed on the phone, let me know she was having "computer issues' and would have to contact me back to finalize the payment arrangements.

She took my phone number and said she'd call back. Well, I waited 7 hours for her to return a call. I call back to BAC, and get told that she put a note in the system that she did try to call and got no answer which is a ** because I sat there, all day, waiting for her to call back. I asked the guy on the phone if he could go ahead and set me up on the payments that Cathy had supposedly worked up. He told me he couldn't see the actual figures she had quoted me and since the note said she'd call back at a later time, he didn't want to potentially retake the information from me and me be double billed. Okay that was buyable.

I wait 3 days, and have to call them back! Nobody has called at any "later time". I ask to be connected to Cathy so she can finish what she supposedly started on 1/30/11. I get told they cannot do interdepartmental transfers, and that the rep will try to email Cathy to follow up. I get told to give Cathy 7-10 days. Okay, I'd had just about enough. I mailed in the $800 up front money on 2/4/11, and a week later a check for $2000 (2/14/11). This would have more than fulfilled any agreement to repay, right? Wrong !

Feb. 28, 2011, BAC begins foreclosure proceedings on my home, never tells me about it. IT doesn't send a letter stating so, doesn't call us and say so. I had to find out by calling in on 3/2/11 to ask where our mortgage statement for March was at. They are now wanting $10,000 to pull our house out of foreclosure, that they have added "foreclosure expenses" and "foreclosure attorney fees". They have started making harassing collection calls. We get anywhere from 3-8 collection calls per day, Monday to Sunday, all hours of the morning and evening. They don't care.

I have called and been in close contact with the foreclosure attorneys they say have my house for foreclosure, Sirote and Permutt. Sirote doesn't have the file nor have they had the file. They don't have our home up for foreclosure on their website, either. But yet we are being billed for "foreclosure attorney fees".

I have tried to contact BAC to rectify this situation,and keep getting told that we do not qualify for a repayment plan because our home is now in foreclosure. Our lender will not accept payment arrangements once foreclosure proceedings have begun. The rep also went on to tell me that we wouldn't qualify anyway because our credit was too "poor".

We have hired legal counsel against BAC, whatever "lender" we may have, and anyone else having direct ties to this blatant act of gross negligence. BAC is refusing to cooperate with attorneys we hired, because they say there is a problem with the signatures on our original loan documents versus what the attorneys have provided them. We got a letter today stating we haven't provided BAC with an authorization form giving our legal counsel the right to pursue the account.

I smell a rat on this one so I have been trying to go through the title company that performed our closing in May 2007 to obtain copies of our closing docs, as the copies we received at the closing are all blanks except for the dates that were handwritten in by someone other than my husband or myself. I have tried now for 3 days to get them to email me copies of our closing documents and I am getting the run around from them now. If I don't have an email by Friday, I will have no choice but to go down there in person and demand the file. I want to be able to compare, for myself, the signatures on my original closing documents versus what BAC "supposedly" has in their possession. If they differ, then I have a whole other kettle of fish to fry.

It's the constant run around, no matter what you do or the hoops you try to jump through to accommodate their every request. My husband and I have done nothing more than everything we were told to do by BAC, to our own detriment. However, they've got the wrong one if they think for 2 seconds that we are just gonna roll over and give up and let them take our home, a home my husband has worked tooth and nail to be able to own.

This is our dream and BAC will not get their hands on it. I will fight them to the end on this one. What they do to people is morally and ethically wrong. They have to be stopped and held accountable for every single act of negligence they perform, otherwise they'll just keep abusing people!

There is so much more to our story. I have left out much and spared the reader of having to keep up with at least 30 "escalations" to supervisors, the names/employee ID's of every rep I've spoken with since June 2009. The actual varying figures on the mortgage statement I have kept since June 2009. It should have never gotten this far.

Refinance loan, promised closing in 90 days. It is now at 180+ days. Delaying tactics ,bad communication, excuse after excuse. I had an appointment to close on 3/28/11 and the day before, they decided the weren't done asking info. They got the info and are now telling a few more days. This has stressed me out and frustrated me beyond belief. I also had to redo all my papers because they waited so long. Of course, there is also three months of extra interest. I am tired of being taken advantage of . But I've waited this long, am hoping it ends soon.

On 3/ 2010, I was approved for the loan mod. program with B of A. Since then they have lost paperwork repeatedly, I have had to "re-qualify" 4 or 5 times since 3/2010. I have mailed & faxed modification paperwork more times than I can count. I checked back every couple of weeks and each time they tell me "my case is under review, someone will contact you." The only time I have been contacted was to say I was in foreclosure. When I called, no one at B of A has any idea what is going on with my loan.

They asked me to re-qualify or resend docs, or send "updated docs" which I always do immediately. This last time, I had to start the whole process over in Feb because they had misplaced my file. After I was approved (again) and spending 30 minutes on the phone giving financials, they told me they would send a modify packet. I had to call 4 times before I finally received it. I mailed it in. After not hearing from them for 2 weeks I called. They did not have my docs. They told me to fax it. I did. twice. I spoke to Evelyn and she assured me the docs were in and being reviewed. Since then I have checked in and spoken to numerous people who assured me I was under review. On 3/10 I called to check, Reginald said they needed updated docs before they could go forward! I immediately faxed the docs and called. Reginald assured me they were received. Today, I called to check on the status & they told me they had nothing & I had to re-qualify again, to start all over! It has been over a year!

I was told that I was behind 3 payments, one due to a missing payment that I was told was found and applied to my account. I have not missed any payments since, I did miss 2 payments due to having to put a roof on my house. They are saying that I am still 3 payments behind. I have been trying to get a forbearance to bring up-to-date. I have no trouble making the monthly payment, just getting caught up I need help with. I am being told they don't have forbearances and I need to do a modification. I updated all the information with them on the phone and they keep telling that someone will call but no one ever did. All I got were letters saying that I have been told no.

I have left several messages with Judy, Crystal and other people to talk to them about what they need. No one called back. I am at my home everyday, I am disabled and do not go out. All I am getting are foreclosure letters. Last month, in the middle of the month, I called about my February payment because it had not cleared my bank yet. I was told they did not have it. Then the next day, it went through my account. Something does not sound right. Please, I just want to get this up-to-date. I can't lose my house. When I was with my other bank, I never had a problem. Can you please help me? Again, I have no trouble making my monthly payment. Thank you for your time in this matter.

I applied for a loan modification from Bank of America in June, 2010. It is now March, 2011 and I have not had one written word or one phone call from them. I call every month to make a payment and inquire about my modification and get nothing but a run around. Bank of America's loan modification process is a scam. I have tried to contact gov. agencies for help to no avail.

These banks were given taxpayer monies for this process and they have taken it and ran. Is any gov. agency watching the hen house? I watched on CNN as this woman spokesman lied to the senate investigative panel that they were processing modifications within 60-90 days. I also watched as protesters were thrown out of the chamber. It seems as though the CEO was taken for her word, and the protesters were there to tell a lie. What is wrong with our elected officials?

I notified B of A last June, after the local oil spill, that work had slowed down. I normally bring in around $5000.00 a month but because of the BP oil spill, the month of June was down to $347.00 for the month. I called B of A the first of June and they said that they would send loan modification papers. By the end of June, there was no papers. On the first of July, I called them back and they stated that they were behind on paperwork and I should get them soon. At the end of July, there was no paperwork.

I maintained paying my mortgage payments on time. I continued to call about the loan modification papers and was always transferred from one department to another. I was told over the phone that I could not get a modification being current with my mortgage. I remained current with my mortgage until September 2010. I filed a claim with BP for loss of income; more run around. Finally, during Thanksgiving week, I received a payment from BP for $6100.00. The claim was for a loss of $15,000.00 for that quarter. I received no less than five calls a day from B of A asking when I was making a mortgage payment.

I finally received paperwork from Collins Center for Loan Mediation. Those papers stated that I was no longer able to use their services because I refused to meet with their mediators. I called them and they said that they had been trying to call me several times with no answer. They had been calling the wrong number which is not mine. I told them how long I had been waiting for a loan modification but they said that there was nothing they could do to change the situation because thirty days had passed and time was up.

I talked with Bank Of America and they told me that I was in the second stage of getting my loan modification. Days later, I received a letter from an attorney for collections and foreclosure. I notified them that I was waiting on a loan modification. They said foreclosure would continue while I was waiting on the modification. Days later, I received a letter stating that I had been turned down for the loan modification which was now in March of 2011. That paper stated I had three choices on handling of resolution: Short Sale; A deed of Lieu; and The Fannie Mae Deed-for-Lease. I don't feel Bank of America ever intended on helping me with my mortgage.

Three years ago when my mortgage company was Countrywide, my home was valued at $369,000.00. Bank of America tells me it is worth $148,00.00. Now that we are six months behind in payments, we can never catch up for all the penalties.

I think that they want my home and it doesn't seem that I can do anything about it. I wake sometimes as early as 2:00 am and search the internet for solutions. My stress level is out of the charts. My wife has become silent on the matter because it causes her to cry. It appears that we soon will be added to the list of homeless.

The company did not post a mortgage payment that was cashed, which I showed proof through my bank (Wachovia). I submitted the check, and Bank of America became hostile and demonstrated poor customer service. They rudely stated that I should pay. I kept telling them I have, and my bank faxed the check. It lowered my credit score from 764 to 689. I take this very seriously. I pay to have my credit report monitored for over five years with Equifax.

Relocating from Florida (where property is located) to Ohio. Only way to sell my condo was to do a short sale. Only way to do a short sale is to stop making payments. So November 2009 was the last payment I made.

I have had 3 contracts on it since may 2010 and all 3 have backed out because Bank of America takes their sweet time approving. I think that they would rather go into foreclosure. Approximately August of 2010, I contacted Bank of America regarding a possible deed in lieu. The gentlemen that I spoke with suggested that "I take in a foster child so that I can have the extra money each month to make my mortgage payment". I quickly told him that I would be committing fraud! He didn't seem to care. Is this how Bank of America operates? What can I do to get them to move a little quicker on approving the next short sale contract I get? If I get one!

My husband and I sold a house at **. A few months ago, we started getting letters and phone calls from Bank of America saying we were in default and were in danger of foreclosure. We have spoken with several people at Bank of America, all to no avail. They insisted we owe them money. We have faxed our closing papers and they were still not satisfied. I went to the local Registry of Deeds and even found an entry showing the loan was paid off and they were still not satisfied. They have ruined our credit and continue to insist we owe them money on a house we sold 8 years ago.

Do we have any recourse? We are having difficulty getting a loan on a car due to this issue. I feel that there is fraud on the part of Bank of America but have no way to prove this.

I applied for a refinance in November. Although it took a bit longer than usual since it was an unusual situation, all still went well. Then it was transferred to Rosalyn ** for close in February. She was pleasant enough but in the final stages Benita started contacting me instead. Just as I was waiting for a title clearance to set up closing, I found out from Benita on March 8th that there was a problem with the title. Before I could even try to find out how to resolve it, she told me it is their policy to withdraw the file when they can't get a clean title. I asked her what the rush was and why we couldn't wait a few days to see what could be done. She said this was in order to get my application refund check back to me as soon as possible. She also said that title problems took weeks to get resolved and it was their policy not to wait. I told her I was not in a rush to get this fee refunded. My priority was to do whatever it took to get this loan closed. She said she had to withdraw it but I had 24 hrs to get back to her and she could reopen the file.

I managed to get this problem solved, dealt with the title company and had the loan ready to close in under 24 hours. I tried that very day (8th) and all day on the 9th but no one answered my call. I left messages but no one returned my call. Rosalyn ** called me on the 10th and said my loan was closed because I agreed to withdraw. I told her that was not true and explained the situation to her. She said Benita said I agreed and she would have to speak to a supervisor and would get back to me by 2 pm that day. I never got a return call and she never answered my calls that day or the day after. I finally called customer service to find out who I could speak to and I was told that the notes in my file stated that Rosalyn said I agreed to withdraw the loan.

This is when I realized that not only were they not taking my application seriously but they were recording false statements. I did not have a conversation with Rosalyn the day the loan was withdrawn; Benita was the one who did it. The new representative also said that as of that point no one was assigned to my loan so basically they just closed it without my agreement, ignored my attempts to proceed, screened my calls and abandoned my loan. This is very unprofessional for any business and even scary for a financial institution because they have all my personal info - ssn, pay stubs, bank info. If they are dishonest enough to lie on their reports and unethical enough to abandon my loan and screen my calls who knows what else they are capable of.

I have been trying to obtain a home loan modification since November 2009. I have gone through what so many other people have put on their posts to this website. It started with an initial call, requests for documents, a trial payment period, numerous phone calls, denials, appeals and endless frustrations. Currently, the bank has sent me to foreclosure. My payments were on time when this whole process started. All I want are answers. It is so wrong what this bank is doing to so many people; there should be consequences.

Bank of America took over our mortgage a year and a half ago from Countrywide. We have had nothing but grief since. We have lived in our home for over seven years and have never missed a payment. When BOA took over, we were suddenly behind in payments according to them. We have tried everything we can think of to find out what the problem is with them to no avail.

They currently say we owe them over $4,300.00 dollars with no explanation for what it is for. They have now decided to start foreclosure proceedings against us. We cannot afford to get an attorney and the ones we have talked to said that they cannot help because BOA will just drown us in paper and it will cost too much to fight them. We even tried the loan modification route even though we do not feel we need to. We went through that six different times with, they have never done anything except say "wrong paperwork or turned in too late."

One person, an Abigail even called me a deadbeat and said I should lose my home, and that Countrywide people are all deadbeats. What kind of treatment is this? We are at our wits end with these morons, my wife and are no longer young and we do not wish to lose our home. Can any one out there help? Bank of America is no American bank, it is a disgrace and should have gone under many years ago. We are now in the process of trying to raise the $4,300.00 by raiding what is left of our meager retirement, even at that BOA says they may not even accept it, what kind of Bank is this? Crooked I say. We just made this months mortgage payment and they accepted it, so gives.

Bank of America's website clearly claims to call if you are behind or think you might fall behind on a mortgage payment. Not the case, after my wife called the number and was transferred to the default dept., the representative Thomas was told not to transfer her to another Dept. that might help because we were not behind yet.

My home was listed under Veterans Affairs and it was foreclosed under Virginia Housing Development Authority on January 11, 2011. I was told by the Law Office of Cecil Moore in Newport News, VA that I had to pay cash by January 10, 2011 or the home will be sold. I called the law firm on December 2010. During midweek of January 2011, the receptionist called me back before the foreclosure went into effect. VHDA does not accept cash for payments. Then, my home was transferred to Bank of America.

I called for weeks in reference to the foreclosure with Bank of America. I was told that there was never an account with this bank and there was no listing in the files under Bank of America. The bank did not have my home listed as received under B of A , no foreclosure, no loan number. I did not have a bank attached to my home--only under Veterans Affairs.

A realtor knocked on my door at ** and inquired about my home. David ** from Zipp Realty had inquired before any process was complete. Now, he is pressuring me about signing cash for keys. Bof A states that no one has my home. I was told by Cynthia that the Reo Team was going to get to the bottom of this situation. I have received no calls except at night from an 800 number. I have been transferred from 800 numbers to the next under B of A for thirty minutes. And now, I receive one ring back and a hang up. Three and a half weeks of games and phone calls. I might be evicted according to David ** by March 12, 2011 with no results of my home.

I was applying for a home loan. I went to Bank of America and filled out all paper work. I was asked to pay for the house appraisal which was never done because the loan was denied. I spoke to Mr. Eddie *** who was the representative that was helping me. He said that he was going to process my credit. It has been 3 months and my credit is not done. Every time I talked to Mr.** he tells me that by the next day it will be ready. Nothing yet. And I'm paying the interest rate on my credit card.

I decided to go to the bank and explain my problem to another representative of Bank of America, Ms. Noemi ***, and she told me that she could help me with my loan. She asked me to wait for the other credit. We filed all the paper work (again) and she asked me to pay for the house appraisal again which I did! After that day (December 23, 2010), Ms. *** has not answered my call. Till today I don't know if the appraisal was done. The only thing I know is that they charged the money again ($540).

I applied for the Home Affordable Modification Program back in December and I never get a straight answer as to why it hasn't closed. My broker at Bank of America assured me that my loan was doing fine. He is telling me to contact him, but when I do, I get a disconnected number and it goes straight to voicemail. I've submitted everything that was asked. I am up to date on all my payments, property taxes and insurance.

All I want to know is what else is needed to close the loan. I feel that I'm just getting the runaround and that nothing will happen. I've read a bunch of the complaints already posted and now I feel very pessimistic. What's going on here? If I don't refinance before this coming December, I will lose my home as my rate will go adjustable.

Almost 2 years ago, I applied for a modification, I have been asked to submit and resubmit the same paperwork. They keep pushing it back, asking for the same items again. I most recently have sent the same copies of the same items to 3 people in the last 2 months.

I would like Bank of America to actually process my application for a modification. I have complied over and over again with the paperwork. I feel that they are giving me the run around and have no intentions of helping me with this mortgage. I am sending them payments on my mortgage that is almost double my monthly payment which is preventing me from paying the property taxes from last year and this year, and the home owners insurance is coming due. I cannot do this anymore, but I am fighting as hard as possible to retain my house for myself and my 3 kids. I have been unemployed for a long time and finding only work that pays 20 percent of what I used to make.

I need someone to help me get this bank to do what they are supposed to do. If I don't qualify for a modification, then I don't know who is. Please help me get this bank or someone working there to be held accountable for their actions. Get someone there to do their job and make a decision on my modification. I have been patient for almost 2 years, and I just cannot take it anymore.

Bank of America escrows taxes and insurance on my mortgage. Last year, my tax bill was paid in full in January out of my escrow account. Only half of the tax bill was due in January. This left a negative balance in my escrow account so the escrow payment was increased. The same thing has happened again this year. I am not required to escrow my taxes and insurance and I wrote to try and try and make the payments myself, but I didn't get anywhere last year.

I have been trying to get a Loan Modification since fall of 2009. I have submitted docs, no less than 5 times. In Jan. 2010, I was given a trial modification starting in March. But being a good guy, I started in Jan. I made it through to Sept. and made 9 payments on time. Then, I received a letter in Sept. that my loan mod was refused. I was removed from MHA program because I had a negative value loan. BoA called me in Oct. They were going to try a traditional loan modification, paperwork was from Oct. to Dec. 13, 2010. Ms. ** stated that all my paperwork had to be together, prior to investor looking at it.

Long story short, on a Friday, a BoA rep called and stated I had an $80,000.00 to $90,000.00 value equity in my home as per their own appraiser, needed food cost, needed it faxed at 2:30PM (my time). Keep in mind that the BoA rep was in Virginia. By Monday at 2:20PM, she called me that they refused my loan mod. By Tuesday morning, written letter. By 12:30PM, Wednesday, on my front door was a FedEx letter. They refused my loan mod. Everything they were being accused of has been done to me. I'm sick of these guys. Our leaders bailed these bankers out. They were wrong. We cannot get loans, they have killed the housing market and the people are made to pay. I'm a self-made man, I built up my property. Now, I'm the bad guy. All of our elected leader do not listen to us. If we push a shopping cart, we need health care, we have no homes, no jobs and they want to have a vote over heath care. We need jobs Mr. Obama. You need to slap these bankers hard!

My husband lost his job in the area we live in May of 2009. He had to travel 400 miles away from home in order for us to be able to make our monthly mortgage payment. This meant his two daughters got to see him two weekends out of the month for over 1.5 years. We started to try to apply for the HAMP program in May of 2010. We were strung along and waited for an answer for four months. We then decided the best option for us would be a HAFA short sale since there was still no work in our area and our home was worth about 50% of what we owed on it. We are in the state of Nevada which has been hit hardest by both unemployment and the housing crisis.

We applied twice but were declined due to the fact that we were still current on our mortgage. So we had to stop paying. Then in November 19, 2010, my husband was laid off from his job completely. We lost 75% of our income and could not pay our mortgage. We reapplied for the HAFA program showing that he had lost his job and was on unemployment. We have waited twelve weeks to hear back from Bank of America to see if we could qualify or not. Today, I finally called and am told they have declined us due to the fact that our income is too high and that our monthly mortgage payment is only 28%. That is completely false and obviously the "underwriters" did not look at the file at all or review the 39 pages of information I sent which included the letter of layoff, the weekly unemployment amount and the fact that my husband has been laid off of work for three months.

I have been told there is no direct contact number for the underwriting department and that they are a back office only so I have no one to call and no one to help. I can try to reapply and wait another 12 weeks, during which time I am sure that we will go into foreclosure. We have repeatedly tried to do the right thing and have been screwed over and over by Bank of America! It is extremely obvious to my that they do not want to help borrowers and would rather we just go into foreclosure anyway.

Due to financial hardship, I had filed modification a year ago. With many attempts and phone calls, I did not get any help. They have increased my monthly payment instead of reducing it.

The monthly increase includes property tax and insurance. I had informed the bank that I will pay the property tax direct to L.A County tax and I also purchased home insurance. They have send me letters saying that my account is in default. But I paid my monthly mortgage payment on time. I had never missed a payment. I have also paid the 1st installment of property tax this NOV/2010 which the bank claims that has paid as well.

I called the bank and a representative told me to call LA County tax for a refund. However, county tax informed me that they had been credited to the bank. Why would I have to pay back the bank when they already got the refund from tax collector?

I contacted B of A in August 2010 to refinance, they kept on transferring my loan to different processors. And every time, the new processor would ask me to re-submit the same information and/or documentation I had previously submitted because they claimed not to have it. It is the same with this latest processor, which seems to be the one that was finally permanently assigned to me. Again, she keeps on requesting the same documentation over and over again. She cancelled my loan because she claimed I had not submitted a document due by January 28, 2011. However, I not only faxed it in but I also emailed it to her, her supervisor Mary L. *** and a Park S ***, Sr., reassigned pipeline manager on January 19, 2011.

Apparently, per Park ***, he found the document but it had been misfiled. He said he would contact them to see if he could convince them to re-open the file since it was their error and not mine. Supposedly he was re-opened and now they are requesting some of the same documents I submitted in November, December and January. They are giving me a hard time because I made a cash deposit on July 6, 2010 with Chase then I scheduled an online payment to my credit union on July 16, 2010 and Chase issued a check to my credit union which was received and posted to my account on July 22, 2010.

I was able to get a copy of the check made out by Chase to my credit union, and the deposit is posted as a check deposit on my monthly bank statement. However, that is not enough. Now they say I need to provide them with a deposit slip or they will cancel my loan. I contacted my credit union but they do not have a deposit slip because it was a check received by Chase plus even if I had personally made the deposit, my credit union does not use deposit slips. At this point I feel I am being harassed and they are making every type of excuse to not approve my loan.

Park ****** said he is doing me a favor by helping me out because B of A is losing $8k - $9k on this loan because it is going to cost them 3 - 4 points to give me a 4.5 rate on a 30 year loan. However, it is not my fault that they were too busy with so many foreclosures and loan modifications that they were not able to get to my loan any sooner and that is why they gave me an extension on my rate. I am also concerned that I have emailed and faxed them confidential information and they claim to not have received it, or as Park *** said, they may have lost it. I am afraid my confidential information may land in the wrong hands.

President Obama initiated the Home Affordable Modification Program with guidelines that went into effect on March 4, 2009 to help American homeowners remain in their homes. Unfortunately I, as a homeowner, have not found relief through this program that I applied for back in July 2010.

I was told they had up to 6 months to decide. They still have not. Every time my file goes to another department, I get asked to resend the same documents again. I mailed them twice and faxed 3 times.

The last person I talked to told me that Adam ** was finished with my file and had not asked for any documents, until he sent it to the underwriters. They sent it back to him for request of bank statements again! My question is, if he was finished with my file and did not need any more documents where did my bank statements go? Shouldn't he have sent them to the underwriter along with my file? He said it was complete, but now it isn't and I am being asked to send them for the sixth time. I believe this is just a stalling tactic on their part.

I have emailed Senator ** and asked him to look into it for me. I am waiting to hear from him.

I found this site in an article I read of other people having the same problem. When people need help, they need it now, not a year later. Or most likely, the banks are hoping people cannot make their payments so they can foreclose. Maybe that is what they are up to.

"In the past month, the number of mortgage holders who have a permanent Home Affordable modification has increased from 3,200 to 12,700 according to Bank of America. In addition, close to 14,000 loan modifications are pending, which means the final terms have been approved and Bank of America is waiting for customer signatures to finalize the loan modification." BOA says a number of people have been helped, but can they prove it? Pending for signatures, I have not been asked to sign anything yet and it has been over 6 months ago going on 7.

I am now on SSDI, but I wasn't when I bought my house. I was working part-time; I am on leave at the moment for medical care of a family member. My mortgage and insurance and taxes leave me with $21 for the month of February 2011, I was hoping to have some relief by now. I have a part-time job when I am able to return, but I only make $8.20 an hour and only 9 hours, maybe 15 a week due to a disability. I struggle to pay my utilities and need to ask for help for that and food month to month. I was looking forward to getting some help to lower my housing costs.

I found myself unemployed for the 1st time in 18 years. Having only worked 22 weeks in 2010, I have been using savings to pay my home loan. In October, I contacted Bank of America. They said that they would be glad to help and send paperwork to fill out and return. I sent all the paperwork they asked for.

Two months later, I called them, and they said that it was still pending. Then, I sent more paperwork. They were wanting check stubs from Virginia Employment Commission, and I explained to them that there was none. I sent bank statement and VEC paperwork. It is 1-31-11, and now they want more, and I'm tired of them stalling.

I applied for a home modification loan back in 2009. The representative back then asked me all kinds of documentation which I submitted at that time. Nothing good came out this. I was behind a few months and they took all the months I was behind and add it to the loan; making it higher. It was $84,000 before the modification and $88,000 after. They came to a conclusion of a new payment which was higher than the original mortgage payment. I re-applied again in June of 2010. I have fallen behind in my mortgage and I've been out of work since August of 2009 and still collecting unemployment. I've submitted everything they requested in a timely fashion and as a matter a fact, it's my third time submitting paperwork to them and all I get is **

My future looks dark; thanks to their help. I don't want to lose my home. I'm not young anymore. I hope this reaches all those people who are going through same. What is happening to our America; with unemployment, I not able to pay my mortgage in time. I'm always late.

Bank of America still has not fixed my home loans which is a predatory loan and I want it fixed. I have tried to contact them several and many times but they have not done so. I have claim numbers to where I contacted Banking Insurance Commission and also Better Business. None have fixed or even helped.

Bank of America has been the worst case scenario in dealing with the Making Home Affordable Program. We have been lied to, delayed, received no action, etc., and our process has been going on since April 2010. The latest action by BOA will probably put us under. This action has to do with escrow; we have never escrow our taxes and insurance.

In January, without any notification whatsoever, we received an escrow statement from BOA stating that they have paid our taxes and have recalculated escrow for us and again with no prior notice or contact at all. Well, because of what BOA has done, they have added $500 to our payment. Instead of helping us, they have burned us to the point where we cannot make our payment now (we have never been late even though I am on Social Security Disability). Trying to contact them, to help us, is a joke. They never return calls and we are on hold forever and even if we do get a hold of somebody, they are of no help and many don't seem to care at all.

Our account number is ** and our supposed representative is Mia ** (no phone number because she said that she can't receive calls!) We can no longer make our house payment because of what BOA has done. This month will be the first month ever that we will not make a full payment or maybe any payment. We suspect that we will lose our house because of the actions of BOA..

I have been actively trying to modify my home loan for more than two years now. My mortgage company is Bank of America (BOA). I filed bankruptcy in 2008, which was dismissed in 2009. I re-entered negotiations for a modification plan. I was told time and again that it would take time and that I would have to wait. And so I did. From time to time people would come by knocking on the door to see if we, my family and I, were still there. Many months went by, but each time I would call I was told that the person who was handling the case was backed up and that the process would take time.

Finally in November 2010 I received an envelope from an attorney's office. I found out that there was a sale date of January 4th. I called HUD-FHA who faxed my material to a responsible person at BOA who looked at my file. They told me that I didn't qualify for a traditional modification because that must be completed within 12 months of application. The 12 months had expired because the file was waiting in their hands for them to make a decision. The time lapsed with my documents in their hands. The person in December offered me a modification with the interest rate reduced to market rate, about a point. I was happy to get the deal done.

A few days later I got a phone call from BoA. They told me that there was a lien on my property from the State of Georgia and that we couldn't proceed until it was paid. The amount was a little more than I could afford. Then I thought about a few things. For one, the State of Georgia issued me two refund checks in 2008 totaling $1100. Why I don't know but I had forgotten that I owed the state anything. Why should they be refunding me money? Second, the state charges an unbelievably high interest rate, especially given this economy. Refunding me that money and continuing to charge interest on a higher bill doesn't make sense. They had to know what they had done.

So the amount that I owe on my tax lien was made larger, because the money was refunded to me, and because BOA waited so long to make a decision. I have personal problems as well. For one, I have successfully battled multiple sclerosis for nearly twenty years and the prolonged stress has taken it's toll on me. In addition my wife is an alcoholic in denial, and I'm seeking any help/assistance I can get to bring about a positive resolution in that matter. I humbly await your response as my time in my home may be up.

I started the modification process in September 2009. At that time, I was told to pay $587 to show that we were having a hardship. The loan would be modified in three months and our good credit score of 700-800 would be restored upon the revised loan. After we did what they instructed us to do, we started receiving numerous phone calls from credit agencies and threatening certified letters about taking our house. This has been our stress for well over a year now. Late fees, etc. are now over $13,000 and our credit is no good. I emailed the CEO and someone called me right away and promised that it would be completed as soon as possible. This was back in September 2010. My husband is medically retired and was just released again from the hospital (fourth time in six weeks). His ulcer is back. I can't stand this much longer. We don't deserve this. Bank of America is a monster!

First call to mortgage line to request loan modification, spoke with Jim, gave all information he then transferred me to Dana at X****. Spoke with Dana, again, gave all my information again, she transferred me to Brent ******** x*****, gave all my information again, half way through application to see if we qualify the call was lost. I waited but he never returned the call. I called the default line back, spoke with Bill, gave my information again, transferred me to Dana, gave my information again who transferred me to Angela X****, gave my information again, she then transferred me to James id ****, spoke to Miguel asked to transfer to supervisor, spoke with Billy **** gave information again, he then transferred me to Miguel *******, gave all information again, went over application.

Over a year ago we inquired about a loan modification with BAC. After they lost our paperwork twice and gave us the run around on the phone, we told them we wanted to rescind our request. Ever since we did that, they have been sending us letters threatening foreclosure. We never changed our payment amount - we paid the same payment that we always paid, never the "temporary" modification payment. We have never paid our mortgage late.

We have called many, many times and we keep getting cut off or told that "everything is cleared up" but then we get another letter. My husband & I are both elderly and the stress from this harassment is taking its toll on our health. We are afraid that, even though we are told everything is fine, that BAC will start the foreclosure proceedings and we will lose our house for no reason. We have read about this happening to others who have mortgages with BAC.

Not sure if you would be the right contact or if you would know who I could contact about my Bank of America mortgage loan. I have been working with Bank of America for over a year on trying to get a loan modification. I sent in all of the documents that they requested and was pretty much given the run around throughout the year with them stating that they didn't receive documents and resending them on several different occasions throughout the year. The reason I became delinquent with my mortgage was due to several hardships that I had endured throughout the course of the year. On top of that, I was caring for my sick grandmother who has since deceased and my grandfather passed away 20 days after my grandmother. I became unemployed because the owner of the company I worked for died in an auto accident and they closed. I also had a break-up after 10 years where my partner abandoned me and left me to pay all of the household bills by myself during the time I was unemployed. I was actively looking for employment and nothing was working out for me. The unemployment compensation was not enough to cover all of the bills that I needed to pay. I have managed to try to stay on top of my financial matters during these hardships and I have not given up hope that I will be given the chance to pay to stay in my home, which is all I have left.

I spoke to the bank because I had heard about the making homes affordable program and the bank had told me that I needed to stop paying my mortgage for at least 3 months to qualify for that program. Well, long story short, I stopped paying and filed for the MHA loan mod through Bank of America. I recently was declined and was told I was quailed for the attorney general loan modification. I am very worried because I do not want to lose my home as this is all I have left. I am ready willing and able to pay to keep my home, but it seems like I am getting the run around from Bank of America and I am very scared at this point.

I have the Pick-a-Payment adjustable rate mortgage which I have read there was a lawsuit against Wells Fargo for. Bank of America did not even offer me this 3-month trial payment plan that they have offered other people in my circumstance or anything to even give me a chance to redeem my mortgage. I also explained to Bank of America that I now have someone living with me helping me with my finances. I am asking if there is any information that may be helpful to me and my situation. Any information would be so greatly appreciated. I don't know where to turn at this.

We started the application for a home loan modification when my wife contacted Bank of America on November 10, 2009. We were sent a "Hardship" application. And we were told that it would take up to 45 days for them to review all of our reports. On December 18, 2009, my wife contacted the modification department again to follow up, because we had not heard anything from Bank of America. They said that they were sending more forms to us in the mail that we would need to fill out and send back. We did. They said they never got them. They sent a second packet on March 19, 2010. Bank of America never contacted us. My wife followed up with them and they said they were "still reviewing our case". We have followed up with them over five times since April until now, January 17, 2011. Bank of America says they "need more information". I am so frustrated. Every time we call, they give us the runaround, one excuse after another. I think they are stalling for time. We have been told that we do qualify and they are "reviewing our case" on multiple occasions.

Up in till Nov. of 2008 our mortgage was always on time. In May of 2009 I applied for a modification and sent them all the information that they needed through fax. I received a phone call that they received all the paper work. Things looked good and I thought I would get a call in about a month. I did not receive a phone call or letter so I called them and they said that I was denied because they needed more information. I asked them why they didn't call me or send me a letter stating this, and they said they don't call but a letter had been sent out.

Then in March of 2010, I applied with Making Home Affordable and was told I didn't qualify and so I tried again. They told me that I did qualify and asked me questions. They sent me a packet and I sent all the paperwork to them. They said that I would be put on a 3-month trial. I made the first payment within 30 days which I was told was okay. I kept in touch with them. The next payment I made a partial at the beginning of the month and told them I would make the rest of it when I received my check. I got the check deposited it into my husband's account and because I wasn't on the account they put a hold on it.

I called Bank of America to let them know what was going on and told them that I didn't want to make a payment to have it bounce. The lady told me that was fine and as soon as it was there to call and make the payment. The payment was 2 days after the 30 days. I went on to make the other 2 payments which brought me to a total of 4. These were all on time. I called and asked what was going on with the modification and they told me that I was denied because of the second payment. I told them why didn't they call me and explained everything. They said they don't call but they should of sent out a letter in the mail, but didn't see anything in there system that a letter had been sent out. The system did say that I was denied. I asked what I could do and they told me that maybe I could qualify for another modification.

In Oct, I called and did qualify for the attorney general modification. The man on the phone said that a packet would be sent out and that I would receive it within a week. I didn't receive it and called back. They said that they didn't see it and that I needed to fax the information over to them. I did it within 1 hour and called the next day. They said that they received the information but to call the next day to see if the paperwork was in the system. I did and it was. I have called once a week since then and have gotten no information just different stories as to what was going on. On 11/24, it was still in review; 11/29 under review; 12/6 call in a week still under review; 12/15 no update yet; 12/22 still in review; 12/29 investor doesn't support that modification, submitting another escalation report; 1/3/11 still in review, work out pending, still pending no other documents required; 1/7/11 still pending; 1/10/11 still pending; 1/14/11 still pending; 1/18/11 investor doesn't participate in government home loans. I asked on who is my investor and how do I find out. She said to write to Bank of America.

I spoke to someone else and she said other documents are required. I again spoke to someone else and she said that it's still under review and she transferred me to Home Retention Team. They said it's still under review and that no other documents were needed at the time. I got onto MERS and entered my info and it told me as of 3/23/06, it was Bank of America that was my investor. I don't know what else to do as well as a lot of other people on the internet that have been going through the same thing. May I remind you, the modification is not guaranteed. Any help with this would be greatly appreciated.

Recently, I was denied a loan modification. I have been unemployed for 2 years, no savings left, my wife is disabled, has Parkinson's, built home to accommodate her illness. I will have to move which is complicated by her Parkinson's. They will sell my house for way under what I owe, but won't lower my interest from 8.5% and 10.5%, so I can stay in the home. The letter encouraged me to remain current and continue to pay. Are these really human beings? I can't believe the stupidity of BOA. I give up. I am done with this whole mess. A massive weight has been lifted off my shoulders.

Bank of America refuses to delete the mortgage insurance even though I reached the 20% of the original value of the house. I paid for entire year extra to the principal because I was promised by their clerks that it will be removed faster. And still they refuse to remove the PMI.

I want to file a complaint against the bank that holds my home mortgage loan, Bank of America Home Mortgage. Bank of America acquired my mortgage from Countrywide. I have nothing but problems since Bank of America took over my mortgage. The first problem I had was I wasn't notified when I was supposed to start making my monthly payment to Bank of America instead of Countrywide. Bank of America contacted me and said I was behind on my payments. $2,000 worth of payments just disappeared. I started making higher monthly payments to take care of this. After I got this caught up I continued to make the higher payments thinking everything would be okay. I have been sending the extra money on my payment for the last year.

In September 2010, Bank of America returned my check for my monthly payment stating they wouldn't accept it unless I sent it certified mail. So I sent it back via certified mail and once again they returned it. When I contacted Bank of America, they told me that I had missed 2 payments, which were dated a year ago and that I was 5 months behind even though I had only missed 2 payments. I had not missed a payment that I was aware of. I checked my bank statements and found that 2 payments were returned 12 months earlier and Bank of America didn't notify me. Now they say it will cost me over $9,000 in fees and penalties to make my mortgage current and they have sent me a foreclosure notice. I called and they told me not to send any more payments because they wouldn't accept them. They have also done 2 appraisals without my knowledge and charged me for them. I talked to them about a loan re-modification and they said I qualified for it with them, but I had to qualify with the government. And they would send me the paperwork within 15 days. This was a month ago and I still haven't received the papers. I called and the person I talked to said she couldn't find anything that said the papers had been sent and it would now take 30 days for me to get the papers. But she would send them and I still haven't received them.

or who to talk to for help. Would you please send me a reply? My email address is ** or you can call me at **.

that they didn't know anything about it. I talked to the Master Commissioner who does the foreclosure sales in my county. He contacted someone and the foreclosure was cancelled. He is an attorney and he told me that I had a good case for a lawsuit, but I only wanted to keep and pay for my home so I didn't do it, thinking everything would be all right. Now I know it has only gotten worse. There has to be some way to stop this before I lose my home that I have tried so hard to keep. I have paid enough in high interest rates and fees and penalties to have half my home paid for. There seems to be no way to satisfy Bank of America. They are determined to take my home. Your help would be so greatly appreciated. Anxiously waiting for your reply.

This is all about our home loan modification. This July it will be two years since I started the process with Franklin First (owned by Bank of America). On October 1, 2010, they took over of the loan. I received a call from Matt saying the modification was approved by underwriting, and it was going to quality control. I would hear from them in 4-5 weeks and I was supposed to call if I don't. I have called every week since then and I get the same runaround. They would say, "Probably another ten days, but I can't say for sure". I am unemployed; benefits are exhausted, my wife has Parkinson's (it is obviously permanent). We will be forced to move. It is not only humiliating, but it presents a real difficulty in finding a home to accommodate her illness. I am tired of listening to the excuses that they are so busy with other customer. I have no other alternative, but to walk away from our home. I do think if everyone stopped paying their mortgage payments, it would have a profound effect on these crooked banks. Perhaps, I send them a message to fix the mess they created, and they will not make us pay for it.

We all share the same long, tortuous story and I want to make all the Banksters pay for what they have put us through. I cannot afford an attorney right now to file suit, but I have had consultations and have been told that you can file, once you are on your feet. My idea is to get all us to file in our local small claims court on the same day or week, it is cheap for us to file and the Banksters will have to provide attorneys for each of those cases or lose by default.

Usually there is a local magistrate and local juries that are not lawyers and are sympathetic to the consumer who has been abused. The Banksters cannot stop us or prepare, even if they know what day or week it is. Check your local small claims court for the rules and cost and then send a RESPA letter to your loan servicer by certified mail. When you get your response to your RESPA letter and gather your evidence, I will keep you posted on what day we will do our National Political Action, go to every blog you can and post this email, we have to get the word out!

We have been trying to have our loan refinanced through the Making Home Affordable Program for over a year now. In the Winter of 2009, we were told not to send any payments until the refinancing went through. Our credit has been severely effected because of this. We have sent paperwork numerous times. just to be told they never received it or we needed to send more information. When Mr. ** contacted us in the Spring of 2010, he informed us things were progressing. Now when we try to contact him, he never returns our phone call or the emails his colleagues send him to call us. We are at wits' end, trying to figure out what to do. Please we need help.

I recently wrote a letter to this website, complaining about Bank Of America and the Home Modification Program. In it I stated I was going to write a letter of complaint to the Attorney General. Today I received a letter from the Attorney General's office and I want everyone who has complained about BAC to contact this # 1-800-613-6743. They are the Office of the Comptroller of the Currency, which is the federal agency which licenses and regulates banks. It's time for BAC to pay for how they have treated us and if all of us stand together, maybe we can make a difference.

I know the business. I am a victim as well. This may help you understand why such abuses continue.

Why loan servicers are misbehaving, reason #1Financially motivated sampling analysis. Loan modification delays, bait and switch to forbearance, document send again; any excuse which may institute payment suspended, not posted, results in servicer suspending disbursal of same to mortgage holder. For every 25% of cash flow suspended, servicer earns interest on suspended total until released $306,000 annually.

Each loan payment that generates a late charge event, however such is achieved, will generate an average of $85 late charge, $42,500 monthly at 25% of loans times 6 months average term all events, $255,000 annually.Supplemented Income of $561,000 annually 17% of base, just hire temps to answer phones. The results shown are roughly estimated and are conservative but there's more to it. This part will make you very angry.

If the company that is employed to institute the foreclosure process required by the servicer is one and the same, events can be coordinated to enhance income means under the guise of independent operations. For those in default and foreclosure commenced, notice Recontrust actions peculiar, aggressive, excessive. The last stage of BAC seeking revenue paid by you or billed the investor, the other victim.

B of A is not your lender even if they are. They are a payment processing service and they are not happy playing puppet to the feds programs that chop into their profits, increase their staffing overhead, and inundate them with customer outcry, expectations, and demands. You, a mortgagor, are an at will participant in an arrangement you must participate in which is often unfair, recourse is limited.

AG suits and media will flush some correction so sue, if you can, deceptive acts; see your state statues. Lis pendens the title and jams the process like BK. Payments not posted are payments not made, get it? Call it rent in the end; BAC hopes you think so in as much. Using mods to pump you for income the loan holder will not receive, you'll likely not benefit by and both sides BAC harms. Get your money out of the bank, rights of set off grant BAC access to liquidity. Move it.

I have a home in Henderson Nevada that is upside on the loan. I have been trying to deal with Bank of America for five months now with some loan modification. Bank of America constantly puts me on hold and transfers my calls and the rude phone answer employees will not get a supervisor on the phone.

However, the worst thing that has been happening now is that every time I call Bank of America, the customer representative tells me that my social security number does not show up on their screen to verify me so I am transferred to another customer service representative to "update" my loan information. I have had this loan for 11 years, and before, I have always been able to be verified. Each time I call to find out the status of any number of "loan modifications" Bank of America has had me apply for, I must now spend literally one to two hours being transferred back and forth to be "verified" so my loan can be discussed. I can't take it anymore.

Finally today, January 10th, I begged and pleaded with the once-again-transferred-to Bank of America representative to find out what is wrong with the documentation on file and why my social security number is not easily found (I had to stop even trying to follow up on a pending third month of missing mortgage payments and just try to fix the new problem I have with Bank of America - the "verification" problem). So Myra, the representative today, finally told me that I have to tell any Bank of America person I talk to on the phone not to look at the "lamb" screen but rather go to the "AS 400 series" screen to verify me. Basically, this boils down to me, having to know software code to speak to the Bank of America representatives and tell them how to use their computer so I can be verified by Bank of America on a loan I have had for 11 years with them.

What is this? I don't even know what I am saying to the Bank of America representatives but the sick thing is I called Bank of America back later today and had to use the software code instructions and it did work with Bank of America person who took my call. This is shameful.

I need help immediately. I wish to begin over after being behind on mortgage. My husband is dead and remodeled my home before he died so I would like to keep it. Because I am so far behind, BAC wants to foreclose. It is in foreclosure. I have tried desperately to get this modified, but they will not budge an inch or help me out. They want a lot of money up front. I don't have that. I do not want to lose my home. I have had the housing council in on this, as well. Can anybody help me? I do not want to lose my home. It means everything to me and I am willing to begin making payments and get back on track with my life.

I got a so-called home modification loan. I sent them $1760.00 because it's suppose to lower interest rate and lower payment. That never happened.They are now sending me a noticed of intent to accelerate paper, which was because of there mistakes. They are also telling me that my loan is in default. Three separate people told me to just pay the monthly payment agreed upon and it will adjust. That also never happened.

It seems a scam all the way around. I did this in June 2010 and still have no results. The payment keeps going up that I can't afford and getting further behind. Please help because I can't go on much longer without loosing my house that I have now lived in for 20 years.

After Bank of America acquired Countrywide Mortgages, we continue to get charged with extra insurance for our home. We have faxed and emailed copies of our insurance policies and they continued to purchase the added insurance, stating they haven't received the other paperwork. This is the 3rd time and I am going to our attorney general with this problem. When you try to contact them by phone, you are transferred all over the lace and finally disconnected. Worst customer service I have ever encountered.

Bank of America is holding up my refinance. I started the paperwork on October 31 with Mortgage Investors Inc. and the starter paperwork went through within a week. But I have a second mortgage/line of credit with BOA and up to this day they have not completed their subordination evaluating the property.

It has been two months that the calls have gone back and forth and submitting paperwork and I am still not any closer to refinancing with MIC. All Bank of America has done is procrastinate with this process and pushing it back with no progress on my refinance. I need to settle and soon before I miss my next mortgage payment. I appreciate any help that you can assist with this matter.

I am getting consistent abuse from the loan re-modification department. They ask for documentation which I provide, then they claim that I had not sent, then they ask for more documentation. I am being bounced between different case managers who are unaware of any prior steps that were taken and having to start from scratch. They are obviously attempting to frustrate and dissuade me from continuing with loan modification. Representatives are rude, ignorant, and very unhelpful. This is no accident on their part.

My home mortgage is with Bank of America. They took my loan when they purchased Countrywide. I lost my job 3 days before Christmas 2008 as an auto transporter due to the recession. I started asking about the modification because they had just implemented the making home affordable modification plan. I was told several times by Bank of America that I had to be turned down for a refinance in writing before I could apply for a modification. Of course, I was approved for a refinance that would save me $110. dollars a month and cost me $11,000. dollars in closing costs and other charges.

I said no to the refinance and kept pushing for a modification. I finally brought up the word extortion about the refinance and suddenly in August of 2009 Bank of America verbally approved me for a trial modification. September 2009, I made my first trial payment upon verbal approval and was told repeatedly over the next 6 months that the papers were in the mail. In April of 2010, I got the FedEx package with the trial modification in it. The payments went up by $50. but I could still afford it and so April 2010 was my first Real Trial Modification Period payment.

I continued making all my payments on the first of the month and making faxes to prove my fiscal situation. I have copies of all the faxes I made. In August, I was told that I was approved for final modification. In fact August 8th 2010, my paperwork went to the investor. I have continued to make my payments on the first and have called repeatedly asking for my modification. I have been escalated (whatever that may mean) 6 times now.

December 29, 2010, I got a certified letter wanting payment in full all the difference between my modification payments and my original payments or my home will go into foreclosure on January 19, 2011. The magic number is $5505.03. I do not have that money. I did everything I was told by Bank of America and now they are threatening to take me and my daughter's home.

The picture that goes along with the story is that I am a 40 year old woman who bought this house on my own for me and my daughter with a lot of hard work. I paid for this home being an 18 wheel auto transporter which is a very physical job. My daughter who is 16 now goes to an exemplary charter school where she is an honors student and she represented her school at the state science fair. I am a veteran of the US Army, and am using my college money to go to school while I work part time retraining myself in a new career in physical therapy.

I started back to college full time 3 months after I lost my job and I continue to take classes full time and have maintained a 3.25 GPA while working and raising a daughter. I could not be trying harder to better my life since the recession the whole while fighting with Bank of America trying to keep my home. I am just asking them to do what they said they were going to do.

Even though I am approved for a modification they are going to leave it parked on an investor's desk until they foreclose on my home. There could not be anything less American than Bank of America. They are not actively trying to help the American people. Most of the time I call, I get sent to a phone pool in another country. It's a recession you would think they would give those jobs to Americans. This American is a very dissatisfied Bank of America customer. Thank you for your time.

After losing my job in August 2008, I got behind on my mortgage payments. I applied for a loan modification in February 2009. I received modification trial package in June 2009. I made 16 timely trial payments successfully until Nov 2010, when I received a notice from BoA that I was being denied a permanent modification. For a year and a half, I was constantly told by bank reps that my modification was under review and that my permanent mod papers would arrive any time now. The reason given for the denial was "Negative Present Value" of the loan. Fannie Mae owns the loan. I believe Fannie Mae received $154 billion in taxpayer bailout money and Bank of America received $25 billion. Where are they when we need help?

I am a victim of the Home Loan Modification Program. When my husband lost his job at NASA as an IT administrator a few years ago, he had trouble finding work and we sought the help of Bank of America, our mortgage company, in trying to obtain a loan modification. Who knew that would become such nightmare and the ruin of our financial credit? We had perfect credit prior to that. We followed the advice of Bank of America and paid the lower amount mortgage in the loan modification program. We were never late with these payments.

After 9 months, they threatened foreclosure. We were afraid of losing our home, however were fortunate enough to come up with the $13,000 needed to get out of the dire situation we were in. We have been current on our loan for the past 3 months. However, Bank of America still reported our mortgage as being late for 9 months and still has not given us the modification. We are drowning in our mortgage payment. We want to downsize and get a smaller house. This is impossible with the credit report showing 9 months of paying late. Although technically we were never late, we paid exactly what the bank told us to pay and we paid on time.

Bank of America sucks Apples. I have been through hell since Countrywide sold to them. I have been in the loan modification 3 times and now they want to foreclose on my house. I did what they said and like others have said they lied boy did they lie. I have made payments and they can't find them and they now say it didn't pay them and when you fax them the bank statements, they say it's going to take 120 days for them to research it. Well, to me it's like the loan modification process, it takes 120 days and you never hear back from them.

As of October 4th, 2010, Loan Processor Anthony *** has strung this writer along during the home loan refinance process with no explanation for his actions. I have attempted to contact his supervisor as well as the bank manager to get resolution as to why Mr. **** would not communicate with this writer; all unsuccessful. I provided Mr. *** with every document he requested in a very timely fashion. All I asked was for him to communicate with me throughout the process. Weeks would go by, he would not return my calls. He wouldn't respond to my emails and I didn't know what my status was. When he would finally call me back, he would always have an excuse as to what occurred and would continue to require me to provide more updated documents since he missed an entire month. He would always remind me that everything is looking good and then I wouldn't hear from him for another two (2) weeks or so.

I asked one question, "Have you submitted my loan to underwriting?" And his response was, "I want to get all of your documents together to decrease any possibility of the loan being returned from underwriting." I can understand that process but he and I both know that it does not take three (3) months to gather documents and submit documents to underwriting. He has been treating me very unfairly throughout this process and it has caused me to feel as though he is either not interested in my loan, which I asked the question at the beginning and I was assured that Bank of America would try hard to meet my loan needs.

When Mr. *** stopped calling me all together and would not respond to my emails, I decided that I would just leave a voice message withdrawing my loan and just move on. He still didn't return my call. I called from a co-workers phone and coincidentally, Mr. *** picks up the phone. When I asked him why I am being treated unfairly, his comments were very quite. He appeared nervous and was definitely aware that I wanted to withdraw my loan and he not hesitant in processing the withdrawal paperwork. He couldn't process any other paperwork in three (3) months but he was willing to process a withdrawal in less than one (1) hour.

I really feel hurt behind the way this process has gone. All I asked him was to be honest with me so that I can know what avenues to take in the future and he treated me like nothing. No one in the Buford, GA office provided assistance to this writer that was satisfactorily. It's a terrible feeling and I am going to plan very well so that I will not have any banking affiliations with Bank of America in the future. I have emails that document all my efforts of trying to reach out during the process and all the replies that state nothing from Mr. Anthony ***.

I received a letter from BOA that my flood insurance wasn't adequate. I called for information. It took over 10 minutes to speak with someone the first rep told me I needed FEMA to assess my property. After being on the phone with her, and FEMA for over an hour, I was disconnected. I called back, and got another rep. She told me I just needed to fax over proof of my current flood insurance from my Condo Association, so I did.

Two weeks later, I got the same letter again. I spoke to another rep who told me there still was no information on my account. All of the faxes sent and conversations had resulted in nothing. She told me BOA also purchased flood insurance on my behalf.

After looking at my account, she said my flood insurance did not match my homeowners insurance, and that was the problem. I asked numerous questions about how the two were related, but she couldn't answer. I asked to speak with her manager, as soon as the manager got on the phone, she recognized the problem immediately. All of the reps I had spoken to were wrong, and she was able to quickly resolve the problem. She also told me BOA had not purchased flood insurance for me.

I have spent hours on the phone with reps, spent hours gathering information, and sending it over, reached out to numerous people for their help with information gathering, and have spent hours being extremely frustrated going in circles with BOA's untrained and unqualified reps. If they do not understand the problem, and do not know how to resolve it, they shouldn't be able to guess at solutions. They need to be held accountable for awful service and wrong answers.

The mortgage was sold to BAC Home loans on approximately 11/15/10. I received a coupon showing first payment due on 12/1/10 at the end of November. I called and told the CSR rep that was incorrect, that it should be 1/1/11. The rep confirmed that it would be corrected within 72 hours. The confirmation number is **. On 12/6, I called and was told this was approved on Friday, 12/3 - 72 hours to update. On 12/14, I called and it was not resolved. The notes in the system show no proof was provided. I spoke to the supervisor (Anthony **) and he said it would be corrected, and he would follow up with me on 12/17. The confirmation number is **.

I called on 12/20 and was told I was due for 12/1 and I am now late. I asked to speak to Anthony and was told no one with that name worked there. I asked to speak with a supervisor. I was given the assistant supervisor, Vensus. She would not provide her last name or direct number. She told me this was at least a 30 day process. I called Amerisave Mortgage to ask for assistance in this matter. We called the 800 number together and again got the runaround. I was told to call back again on Wednesday to confirm the correction has occurred. I told the rep my account is showing past due and I have a strong credit rating and I don't want their errors to impact me. I was told an account must be 30 days past due for collections to occur. The evening of 12/20, I received a phone call from a collection agency regarding my payment not being made. I also have not received a coupon for January, since December would need to be paid for another to generate.

In September 2010, I called State Farm Bank to inquire about refinancing my mortgage. The rate was secured pending a November 15, 2010 closing on the mortgage. After having the home appraised, I was told by State Farm that they couldn't give me the loan for the house, including the second mortgage due to the economy, and the appraisal being less than it was appraised for a few years back. I was told I could apply for subordination with BOA, keeping my 2nd mortgage with them, and refinancing the first mortgage with State Farm.

On November 10, 2010, I spoke with a Kenneth ** in BOA's Mortgage Department and asked him how long a subordination request would take. I was told 2 weeks at the most. On November 17, the request was submitted to BOA by State Farm. Since that time, both I and my mortgage rep have tried contacting BOA about the status of this request and have got nothing but the runaround. Everything from being forwarded around the company, given disconnected numbers to call, as well as leaving voicemails with the subordination department in which the recorded message states that "all calls will be returned within 48 hours".

Needless to say, no calls were ever returned to either I or my mortgage rep at State Farm. Finally, today, since I am on vacation, I decided to give BOA another call. I was forwarded and given 7 different phone numbers of whom I should talk to. I asked to speak to a supervisor, and was forwarded to another department. All I wanted to know was the status of my subordination request. I was irate and lost my temper with the last person I talked to, who actually turned out to be the most helpful. I was told that on December 3, the subordination request was forwarded to an outside company (outside of BOA).

The guy I spoke with (Steve) filed a request to expedite this request, but at this point I'm not sure I have a lot of faith in BOA. Steve also told me that these subordination requests should take about 10 business days. It's been 5 weeks, and rapidly approaching 6 weeks. State Farm is charging me to secure my rate, which isn't fair because this is something out of my control. I've done all that's been requested of me. It's BOA that isn't cooperating, neither with myself nor my mortgage lender. These business practices seem a bit shady to me.

I didn't choose to be a customer of BOA. I had my mortgage with Countrywide, and have never cared for the customer service that BOA has provided since they took over. Therefore, the first opportunity I got to try and get away from them, I took it, and now they are screwing with me. I'm so tired of big business pulling this crap with people. Business practices like these are unethical and they certainly don't tend to make the consumer want to do business with them. Something needs to be done. I paid BOA a fee of $125 for a service that I don't feel I was provided in a timely basis of 2 weeks, which they provided me. I want my money back and I want them to be penalized for their shady practices.

In October, I applied for refinancing for my first mortgage through Network Capital Funding at a rate of 4.4%. The loan amount was to be for 172,000. I was planning to consolidate several other loans. Capital Funding has been waiting over 2 months for Bank of America to provide the subordination on my home equity loan with them.

I called about seven different phone numbers and was given the run around. The only number where the subordination unit can be reached has voice mail. I have left three messages and they have not returned my calls. Please see email from John Molavi from Network Capital Funding below:

Hi Katherine, can you contact your bank regarding the subordination. They are now telling us that the maximum combined Loan to Value is 80% which means we cannot exceed 80% of the value including the 2nd mortgage. That would put us at 161,000 on the first, which depletes all of the cash to pay-off debt. I do not understand why they are doing this. On their guidelines they go up to 95%. But for some reason, they are capping us at 80%. It is very strange. I was wondering if you can try to speak with someone that can figure this out, and make some sort of exception. We are running out of time on the rate, so it is very important we get this resolve asap. Let me know what you can do.

I called BOA on 7/26/10 at 7:39 am and spoke with Debra. After explaining that I was calling in regard to the mortgage modification program, I was transferred to Alexandra at 7:50 am. Alexandra ran me through BOA's questions to see if I qualify for the program, which I did. I was told to wait 10-45 days for the paperwork to come to me. If I hadn't received it by then, I was to call back and it would be escalated.

I called BOA back on 9/15/10 at 7:44 am and spoke to Ignacio who then transferred me to Patricia at 7:49 am. Patricia then informed me that it was too early in the process for my case to be escalated and that I should wait until the end of September. If I hadn't received my paperwork by then, I should call back and my case would be escalated.

I called back on 11/24/10 at 11:20 am and spoke with Nick, informing him that I still hadn't received my paperwork. He said he would escalate my case and that I would receive my paperwork within15 business days. I called back on 12/15/10 at 11:15 am and spoke with Patty who told me she didn't see my qualification questions having been answered, but did see that my paperwork should be on its way and if I don't receive it by Friday, 12/17/10, that I should call back on Monday. I don't foresee any paperwork coming on Friday. I feel like I've been given the run around for the past 5 months.

The 4th grade mathematician at BAC sends me every month something different, wtih the same results always 3 months behind.

2. I am not eligible for a home loan modification because my "loan is delinquent". Wow really?

3. Since 2005, I am charged "bios" (charge to see if I am still living at the address) monthly to the tune of $150 a month!

4. I receive over 20 calls a day from BAC while at work. They call to collect and I tell each one the story and they state they cannot help me because they are collections. How many of can receive that many calls at work and remain employed

5. Payment I made two payments in February! My loan was transferred from Wilshire Corporation to Bank of America effective 2/1/2010 and Bank of America sent their first correspondence saying I was in default only of the two payments were credited to my account to this day!

My personal checking account bank Suncoast Schools Credit Union has placed many calls with me and for me to no avail!Please see enclosed documentation! All who I have sent this to have my expressed permission to speak for me, advocate and have access to my personal information and loan billing etc! Thank you for making my Christmas Bright!

My husband and I have a mortgage through BAC. In the fall of 2008, we qualified for the Home Affordable Modification Program, which would lower our payments by $150.00 a month, which would have helped us immensely. After 5 months, we were told we did not qualify, but they were looking into other programs for us. After 2 months or so, we received a letter saying there were no programs for us. We were only 1 mortgage payment behind due to an emergency, when we got our monthly statement it showed us 2 months behind. I called to find out why and I was told because during our trial period were we not making our full payment, that we were being charged late fee's and the $150.00 difference was being added on our past due amount. When we 1st looked into this program, it gave different ways to help the home owner. One of them was putting the past due amount and add it back into the mortgage balance.

This year, we tried again for the Home Modification Program. My husband and I are self-employed and due to the economy, we lost a job which paid us $12,000.00 a year. I thought for sure we would qualify but I was wrong. We did not qualify and again they would look for different programs for us. Then we started to receive letters and phone calls for short sale and foreclosure.

I called the Home Retention Department. The 1st person I talked to said we were behind 4 months in our payments. I told them they were wrong. We had been making our payments. They transferred me to customer service where I was told that because we were still under review that 2 of our payments were set aside and not being applied to our mortgage. I told them since we did not qualify to release the funds and apply it to our mortgage, they said to call back in a week and everything should be correct. I called back and it still had not been done, they apologized and said the person I had talked to did not enter the right codes for the funds to be released.

Now I started this in Sept. to get the funds released. We received our October statement and the funds were still not released, our past due amount was now $2,651.98. Again I called and again the matter was to be taking care of. I got our November statement and the same past due amount was on there, I called again.

This has been extremely stressful, to get letters and phone calls for foreclosure and before all this started we were 1 month behind. There is something drastically wrong with their system for applying for this assistance, there are to many departments where they have no clue what the other on is doing. One department tells us we are 4 payments late, the other says foreclosure and yet another one says they are holding 2 payments, there is something very wrong. I do not think it is right to penalize us for not qualifying, I thought these programs were to help home owners keep their homes, not put them further behind.

This is the letter I sent Bank Of America to Laura ** on Nov. 10th. Her response was she sending my letter to the Escalation Dept. for review. About a week later, I received a call from the Escalation Dept., his name was Mario and that he had read my letter and that he was going to see if there was something he could do and that he would call me back within in hour or so. It's been over 3 weeks now and I still have not heard from him. Mario gave me his phone # **, extension **. I have called this # and entered his extension. He has not been there and I am not given the option of leaving him a message.

I then received a phone call for BAC, telling me we are behind on our payments for about $2,200.00. I told them they were wrong. She said we did not make our October payment. I had paid and gave her the confirmation #, then she saw we had paid but it was not applied to our mortgage. She asked if the check had cleared the bank, which it had. So now I have to get a copy of the check and fax it to the Pay Research Dept.

This is the 2nd letter I sent to Laura on Dec 2nd. She E-mailed me back and she said she would send it to the Escalation Dept. I have not heard from them.

On Dec. 7th I received a phone call from BAC about out past due amount and for not receiving the Oct. payment, when last week I faxed it to them. We received our Dec. statement. Now they have our past due amount for 1 month behind, but they added $277.08 onto our mortgage payment for late charges and another $165.00 for fee's due, which were never on the other statements. I called to find out why and all she could tell me was BAC sends people to drive by your house to see if it is occupied, which they have known all along we live here.

They are just trying to find loop holes to get more money out of people who do not have it. I have read other people's complaints on BAC. I do not understand why nothing can be done to them. I have contacted the BBB and our State Senator (both I am waiting to hear back from). I will also be contacting the Attorney General. BAC should pay for what they are doing to people who have mortgages with them. The American dream is to own your own house not have BAC who think they are God, take it away from you.

My original loan was with Countrywide and I received the loan through what is known as a "No Dock" loan. This is where they approve you for a loan based solely on your credit score and not on your income. I admit, I should have never gotten a loan but at the time, I wanted the investment of a home and obviously Countrywide had no problem loaning me the money. Bank Of America entered into the picture about two years ago and bought Countrywide. At about the same time, I lost my job and the housing crisis started. I was forced to take a job where I make half the amount a month that I was making. In short, I can no longer afford my mortgage payments.

A year and a half ago, I applied for the making home affordable program through Bank of America. After 6 months of patiently waiting and trying to stay on top of my payments, B of A told me that I was denied help from them because they did not have enough information from me. What? Isn't it their responsibility to get all the information from the borrower in order to make a decision? Needless to say, I was not giving up.

I called again two months later to go through the process again. It has now been a year since I started the loan modification process through B of A again and I have no answers and no help. After the first 3 months of being "accepted" into the first step of this process, I was forced to Escrow. I was told that I could not go through the loan modification program unless I "escrowed", so the payments that I already couldn't make, were upped two hundred dollars more a month.

For the past 9 months, I have borrowed from family, canceled other things I can't make payment for anymore, adjusted insurance, etc. in order to avoid foreclosure while I wait for an answer from B of A. I have called once a month over the past year checking on my status. I always talk to someone new, I am always told something different.

The last few conversations have made me the most angry. I was told in October that all my paperwork had been received and that it was now with the underwriter. Now that the underwriter had the paperwork, I would have my "trial modification" by November. So, I called at the end of November and spoke with someone, because I had yet to hear from them. I was told at that time that I should have never been given a time frame because they have so many cases to handle that they can't say when they will get to mine. The representative tried to act like he "understood" my frustration and that he would send an email to my underwriter telling them to make my case a "priority. " Ya, right. A week later, I received a call from a woman claiming to be my underwriter and that she needed more information from me for my file to be complete.

I was confused. I thought my file was complete. I have sent them every document they have requested, and not just once, but several times. I called them back asking what they could possibly still need? I was told they needed all the same paperwork that I have already sent them. I laughed. "Are you kidding me?" I said. "Why do you need all the same documents that I have sent you? " In a very hard to understand accent, I was told that this was necessary in order to move forward with my file. They even asked for current bank statements for my son's savings account. I hung up and started balling. I am so frustrated. They have been stringing me along for a year. I really feel like they do this in order to get people to give up on trying to get help from them. I don't want to give up. I don't want to lose my house and have a foreclosure on my record. Even if they would just adjust my rate to the current market rates, I would benefit. How can these people sleep at night? Any advice, help out there?

Bank of America started a loan modification for me November 2009. It was approved 2010, but payment was denied February 2010. Stated they lost paperwork. It happened over and over for months. On 8/31/10, they found errors and were to correct them. On 9/7/10, they auctioned my house. On 9/11/10, they issued a Notice of Intent to accelerate to foreclose. They stole my house. I was forced out, stuck with moving expenses, no where to live, etc. They state they are working on a rollback foreclosure but won't ever contact me now. Been since September 2010.

I called BofA in February for the papers to modify my home loan. Of course, they take their maximum time when sending any information. I received that paperwork in mid-April and had sent it back in early May. I had made a couple of phone calls to find out how the process was moving along and was told that they had all the information. Unbelievably in early November, I received another letter from BofA stating that they needed two pay stubs, taxes for the current year, and a profit/loss statement from my business. I promptly sent that, and called to find out how the status of my loan modification was going. I finally got a member of the Hope Team (classic name for a team that has no intention of helping) to give me the name of the agent that was handling my claim. I've called him repeatedly and have gotten no response from him.

Then on Dec. 9 I received another letter from BofA stating that they needed more information or more exactly the same information that I sent in November. They wanted a current tax return and a profit/loss statement. This time when I called the Hope Team and complained that it was the same information that I've already sent, she told me to hold on for a minute and went to get my file which took her all of one minute.

She then told me she was looking at my tax records and that they seemed complete, so they only needed a profit/loss statement. I decided to be more proactive and fax the profit/loss and then mail the taxes and profit/loss and I guess we will see what happens from here. I have one question though. If she was looking at my taxes, then how are they able to process my loan modification in a timely matter, because these people on the Hope Team are just soft speaking, in bred, mouth breathers that are just there to tell everyone to call back in a week. Not the people with any juice to do anything about your loan. If I don't get the loan modification, I'm going to pull any business that I have with BofA now and in the future.

My story is like everybody else's. My wife was laid off in June 2009. We had bought a house in June of 2007. I had called in 2008, but was told I didn't qualified. Now I qualify and it seems as though they are trying to put everybody off until the economy comes back, instead of dealing with the problem on a loan to loan basis. We haven't missed a payment and my credit is in the high 700's, so you would think in theory that if anyone would be a good risk to receive a loan modification it would be me. B of A **.

As with anything about money it has created stress on both my wife and I and our relationship. Any time we have to discuss anything about money it turns into a fight. I'm worried about how my children view our relationship and how they will view how to deal with problems in their future. I've decided to try and scrap together whatever I can and hold on until I can buy another house, but I don't know if I can do that. We've cut out everything that we can to save money. We don't go on vacations or buy anything that isn't a necessity.

On Nov. 30, 2010, I sent a check for the past due Oct and Nov mortgage payments as directed to BAC Home Loans Servicing LP in Dallas TX. On Dec. 7, 2010, I get a phone call from Bank of America Home Retention saying they show no record of my check. Home Retention suggests I send another check, except this time for more money. I tell Home Retention in all my time living in Oklahoma it has never taken more than 2 days for the mail to go to Dallas and I suggest they have another look-around the office and find my check! I personally watched the mailman pick it up and put it in his bag. Home Retention says if we can't find your check and you don't send us another, we will proceed with foreclosure on Dec 21, 2010.

In 2005 Hurricane Katrina arrived in Louisiana, then in 2008 Hurricane Gustav.

These devastated our town; I couldn't afford my payments at the time. I called BOA and asked for help. They set me up with trial payments before Hurricane Gustav which was in August of 2008. I made all of my payments and never heard back from them. I called to check on them and was told to stop making payments and they would look in to it. I did what I was told and I called back and was told that everything was canceled.

All this time I am still waiting on some kind of help from them. I do not know the reason why it was canceled. So they decided to start the process all over again. So all the information required was sent to them about 5 times because they always told me that they had not received it. Finally they received it. I called at least twice a week to find out the status and never had information. Once again, I called and was told there was nothing in process to help me out.

So in April of 2010, once again, they wanted to send in paperwork for the modification program. I knew I didn't qualify because my note was not more than the 31% income required. Still they went on with the process. This started in April of 2010 and I continue to call and get the status of the account and it was still being reviewed. They told me not to send payments because they would be returned.

Then in July, I received my billing statement and my note when from $784.18 to $2944.00 per month. When I called and asked them why they said I hadn't had flood insurance for 5 months. I have been having a lot going on in my life, my brother was dying of cancer and we were back and forth to Houston, Texas for treatment.

I do take responsibility for my part in letting my flood insurance lapse. I pay $404.00 yearly on flood insurance and they charged me over $7500 for the year of flood insurance, which I think is quite ridiculous. In Nov 2010, I received a letter that I did not qualify for the Home modification program because my mortgage payment was not 31% above my income. This was something I knew beforehand and I talked to them about it but they acted like I didn't know what I was talking about.

It took BOA 7 months to let me know this. Then my account got "escrowed" making my payments higher. The simple fact is since I was in review for the modification, they should have "escrowed" way back but decided to escrow in September 2010 instead. I finally get a notice of foreclosure and a sale date. For 1 1/2 years, I have been given the runaround with these so called people. They have made my life a living hell. BOA have been nothing but a huge stress factor in my life and filled with lies and cheating.

I could never talk to anyone over there and get the same answer. I continued calling but get nowhere. I have gotten a least 7 reinstatement fees with a 4-day period to pay them. They have lied to me every time I have called. They could never tell me exactly what the reinstatement fees included. I fought to no avail. I do not trust them at all. I am scared to send them money because I do not know if they will applied correctly and get my home out of foreclosure.

As of November, they have directed my account to the advocacy department. They are trying to help me but they are getting the same responses that I have been getting and he totally understands my frustrations. He has told me he has to talk with his supervisor and his upper management. Now, I have reordered reinstatement fees for the 8th time and each time their fees go out. When I stared, my fees were 300 and 500 dollars. They are up to $1550 and $1600.

I have been used and abused by these people and something needs to be done about this. I talked to the advocacy department and I tell him the whole story and then I tell him of the horror stories I have read about BOA and then he proceeds to tell me that I can't believe everything that I read and then I tell him, "Did you forget I am one of the horror stories? So don't sit there and tell me they are a bunch of lies."

As of this moment, my house is in foreclosure with a sale date and my credit is ruined all because I put my trust in BOA. Never again will this happen. I want to sue them for everything that place has done to me. I just hope someone out there can help me. No one on this earth can make me believe that they don't profit for the lies and deceit this company has put me through. I believe the federal government has a lot to do with the practices that they are using and I will not stop till I am satisfied with the results.

I believe they get money from the government when their loans are default. Once again, someone needs to work for the people of the United States and stop people like the ones that profit from BOA and our heartaches. I truly believe this is what BOA really was striving for - for me to lose my house. They might have well succeeded.

The nightmare began last Friday when I happen to check my bank statement. To my horror, my bank account was practically cleared out. Panicked, I reviewed everything and did not see any unusual charges. To make a long, panicked story short, it took the weekend of reviewing every item in my statement to see that the Bank of America mortgage payment that is automatically drawn from my account was almost double its usual amount. I was floored. I immediately called BOA, but it was Sunday and the customer service department was unavailable. However, the woman in the modification dept. advised that she could not explain the change in my payment and it was a clear error.

The following day, I spent two hours on the phone. My first call was a series of blame games on me! BOA claimed I failed to keep them abreast of my flood insurance and thus they were "forced" to purchase a policy on my behalf and charge me $8000.00. I informed rep Andrea that upon notification of this "purchase" months earlier, I faxed all necessary docs to demonstrate that my flood insurance was still current, never lapsed, and renewed. Then she explained I must not have alerted BOA and requested that they not modify my payments to cover this insurance purchase. Again, I alerted Andrea to the fact that I called hours after faxing the docs and was informed all was corrected and a credit would be applied. I also informed her that BOA sent me a letter confirming the same.

Andrea seemed over her head so her supervisor David took over, who also claimed I caused this issue. After 75 minutes, David "kindly" acknowledged the inconvenience that may have occurred and suggested I just pay a nominal amount on the second half of my mortgage payment. Hell no! He then advised that for me to obtain a refund. I would need to speak to the escrow dept, he could not transfer me and I needed to call back. Nice. Convenient. So I call back. Escrow says they need to confirm that the payment cleared before any money can be refunded. I had to send bank records to prove the money was drained from my account. Then they actually said that they cannot automatically transfer back the funds. It would take 3-4 days! Again, hell no. So they agreed to FedEx a check.

In the meantime, I went over my account and found $200 worth of discrepancies, so a second check had to be issued. Did they apologize for the stress, panic and migraine they caused? Of course, not. If I had not reviewed everything, they would have pulled this double amount again, plus continued with the unexplained charges. On top of this, I have had a loan modification/refinance request pending since September and they expect me to call every 7 days to see if they have acted on it yet.

There is no rhyme or reason to how they conduct business. There must be a way to call attention to this! They also charge a $8.00 fee per month to do automatic payment from my account. I would not have to pay this fee if I were a BOA account holder but BOA does not have any branches in the New Orleans area thus I cannot open such an account! Again, they trap you into fees.

Regarding: Our futile attempts to get a mortgage loan. I am sending this to anyone and everyone I can think of in hopes of some as stance. My husband and I were living in a two bedroom apartment and had just renewed our lease for our second year. My daughters were experiencing financial difficulties and both moved back in with us. We were very crowded and decided to look for other options. We responded to an ad in the Sunday paper for Rent to Own Homes.

We called the number and provided information for our qualification status. My husband was provided the name of a person that would show us the property Ryan ** of Beazer Homes. We met with Ryan and he took us to the property, a 4 bedroom 2 bath (just as described in the ad).

We thought the home was lovely, much to our surprise the home was newly built. We asked Ryan if this was the rent to own home we had inquired about, he quickly said no. We were confused, Ryan explained that the person we had contacted (Larry **) was an owner of real estate and that he had referred us to Ryan because Larry felt we would qualify for the purchase of a home.

Ryan said believe me, Larry would not have sent you here if he did not feel you would qualify for a loan, because he could make a lot more money by leasing a home to you. We were shocked to say the least. My husband and I had been through divorce and both had taken a beating financially. I myself, am currently in financial ruin as a result. We knew that my husband would have to qualify alone as I cannot be on a mortgage for at least three to four years. We explained that to Ryan, and he did not seem phased by the information. He kept saying he was over 90% sure this would happen.

Ryan advised us that since this home was included in the second quarter sales for **, and the prior prospective buyer lost their job and could not go through with the sale ** would make a nice offer on this home. He said the home appraised for approximately $168,000.00 not including the upgrades which totaled over $18,000. He made the usual salesman calls and emails to see if he could offer us the home for $145,000.00. They agreed and things were moving along. He explained that it appeared my husband met all of the qualification for a USDA home loan, which had perks like no down payment, and closing costs would be paid by Beazer Homes.

He took information on amenities that we wanted, which consisted of a refrigerator and washer/dryer. He said, he could get us a payment at less than $900.00 per month. This was great news. My husband signed the paperwork on June 9, 2010. Within a week, we were advised of a laundry list of things to gather which includes, bank statements, letters of explanation of some of the derogatory information on my husband's credit report, satisfying a small state tax lien and provide proof of the release, check stubs, tax returns etc. We were scheduled for an appointment with Bank of America.

We met with Christy at Bank of America the last week of June, she made copies of all of the information and advised us we would be getting a package from the main office in Atlanta and to spend an evening with a glass of wine and the paperwork and fill everything out and return it in the envelope provided. We mentioned to her a couple of times that we were applying for the USDA loan. We were advised about by Ryan. Within one week, we received a large package from Bank of America. We locked ourselves in the bedroom after dinner and started looking over the forms. All of the information was about FHA loans. The loan documentation gave closing costs that we would be responsible for to the tune of over $8,000.00.

We looked all of this over several times and finally agreed the need to contact Christy. John called her and explained, she said that USDA funds were no longer available at Bank of America, however if that is how we wished to proceed do not sign anything. John contacted Ryan and he advised John to contact Larry ** (who was still involved somehow). Larry told John he was sending this over to another Mortgage Company (Freedom Mortgage). Freedom Mortgage needed all of the information we supplied to Bank of America. All was provided, Freedom Mortgage approved the loan, however they too had no USDA funding available. John was advised by Larry that he would run this by a couple of mortgage companies out there that would front the USDA funds until the Government released funding again for these types of loan.

The last week of August we talked with Larry and by this time I had so many questions John asked Larry to talk to me. I asked Larry:

1) If we are approved we are approved and nothing can change that?

Answer: The laws have recently changed. If all of your information is plugged in and the computer says you are approved an underwriter cannot deny your loan unless you do not provide substantiation to back up the information provided. In other words: it is not up to the discretion only of the underwriter's anymore.

60 days notice and would August 30th allow enough time. He said yes that would be plenty of time.

to worry about credit reports being pulled and so on. That part is done.Well we trusted Larry and gave notice to our apartment that our last day would be October 31st. We fully expected to have to pay the last month and move sometime during that time frame or before. We kept in phone contact mostly with Bank of America mostly Ed ** calling for this and that.

Freedom Mortgage stopped calling and John was talking to Steve MacDonald from that company. John was dealing mostly through Larry ** who seemed to be the intermediary through all of this. Although Ed had called John and asked him to provide almost all new information about everything. He said he had pulled Christy's file and he said to make a story short, there was nothing in there. We could not believe this, because she made copies of everything. September came and went all the while the phrase whoever is the first to the table gets the mortgage was used allot. John was calling Steve, Ed and Larry. Ed stopped returning calls, but John was hearing from Larry on a regular basis. John was starting to panic a little. Around the second week of October, John received a call from Beazer Homes scheduling our final walk through and the closing for Bank of America as BoA had called and advised ** to schedule.

Great! John went to the final walk through on October 26th. No one showed up after almost 2 hours, so John called the office and the walk through has been rescheduled for October 27, 2010. No one had notified him of the change. On October 27th, John went through the final walk through was advised all utilities etc would need to be changed over by Friday, October 29th. He confirmed the closing was still on the books for October 28th. By this time as you can imagine, our apartment was completely full of boxed up items. We had very little left to pack. John had received a call from Larry ** on Monday advising him he would see him at the closing.

Larry also told John, I don't think that Bank of America knows you are married so don't take your wife to the closing. He said, ** is not going to pay closing costs, they are going through Indiana Housing who will pay the closing costs. I made arrangements and paid fees for start up of all utilities in our name starting October 28th. I secured a Homeowners Insurance policy and cancelled my renter's insurance.

Thursday, October 28th, the plan was John would go to the closing and come back with a truck. The girls and I had the day off and we were going to finish the packing while he was gone. John was gone about forty minutes and called me to say stop what you are doing. I thought he was kidding, he wasn't. He said he waited for nearly 30 minutes before Ed ** came out and asked him what he was doing there. John told him, he was there for the closing. Ed said there is no closing set for today. I told Larry ** two days ago, there would be no closing. USDA pulled back funding on October 22, 2010. John said Ed threw his hands in the air and said, "Sorry, I can't help you."

In all the years, I have known John I have never seen him this way. We were 3 days away from being homeless. I tried to get information out of John. When I asked him where Larry was he said no one was there but him. He tried to call Larry, but his phone was transferred to another man whom we assume is his business partner.

This man advised John that Larry flew to Greece on Wednesday (vacation we assume). John told him what happened and he was not surprised, he said we have 3 families living in hotels right now. Later that afternoon, I could not take it anymore, I called Ed **. It was amazing, for over a month, he never answered John's calls and would not return calls. Ed answered my call (apparently he didn't recognize the number) and I asked if this was Ed **, he confirmed it was, I asked him for the name and phone of his manager. He repeated what I just said and I confirmed yes that is the information I am seeking.

He provided the information and I offered no explanation as to why I wanted it and I am pretty sure I did not identify myself. I called Ed's manager, Mary ** in Atlanta. I explained to her the reason for my call. I told her all of above information that I could recall. She asked me questions, like did we ever fill out a loan application etc. I explained to her as far as I knew no. She asked if we received any other paperwork from Bank of America again no. She kept saying all of this information would have been necessary, there are things that must be done for a loan to get to closing.

I asked her why ** would contact John and schedule a closing if they had not been given the okay by Bank of America. She could not answer that saying she would need to investigate. She also could not believe that Ed would not answer his phone or return calls. She said that was out of character for him. I asked her if that were true then why on several occasions did John get the message that Ed's voice mail box was full? Again, she would check. Mary brought up something that was the most amazing thing I have heard during this whole process. We were discussing Christy's file being empty when Ed checked it. Mary said, "Well, that was really strange, how she left." I asked her, "Who left?" Christy left Bank of America. The time frame she provided to me was right around the July 4th holiday. She said Christy did not provide any notice of leaving, she just walked in and resigned.

I found this to be very disturbing, since that was only a few business days after we provided her with John's very personal information. If the file was empty and within the last 30 to 45 days John had received phone calls from Christy to advise him ways to bump up his credit. John assumed she was still with Bank of America. No, she was now with Fairway Mortgage. We have never provided a permission statement to access any of his personal information we actually had never provided Larry with permission either.

Our concerns at this point, did Christy take all of our information with her when she left Bank of America? Mary advised me she would investigate all of this information and contact us back before close of business.It was around 5 p.m. and no call from Mary, so I called her number. She answered and advised me she was on the phone when I called and the caller was on hold. She explained she had been on the phone for over 3 hours (every since we hung up). She promised to call me back. Within an hour she made good on her word. She explained since my name was not on any prospective loan she would need to talk with John. I understood.

Mary advised John as she had me that Bank of America's computers were locked within regard to USDA loan as they were not accepting applications for those loans and had been since April 2010. John said then why would a loan closing be scheduled when this was made clear all along. I think we all agreed there had been too many people involved the entire time. Mary said they could do an FHA loan with approximately 5, 500.00 down and a bank statement showing we had the first months mortgage payment of somewhere in the neighborhood of $1200.00.

There was not much explanation of all of the other issues the bogus closing was not explained, she advised us she was not sure what we could do about the Christy/possible disclosure issue. She did say that Ed would be accepting our calls from now on.After that telephone conversation it was clear we were in no position to continue with Bank of America. We felt wronged by them and lied to by all involved. The only people who took the time to talk to us that day were Ryan ** of Beazer Homes (who could not really do anything except console our bruised feelings) and Steve ** of Freedom. Steve told John although his mortgage company could not front the funds for a USDA loan, he had a contact at another Mortgage Company that could and if John would send him some items he would contact them and call us back.

Steve called back saying that if we provided the items we could get the loan closed within seven to ten business days. In the meantime, Steve suggested we call Ryan ** to see if Beazer homes would consider renting us the home until we could close on it. We did and unfortunately, Ryan advised us that Beazer does not do that. Over the weekend, we received a call from Larry **, he told John there was not much he could do because he was out of the country. However, he did tell John that even if our apartment has been rented out, we needed to take a letter to the apartment manager asking them for an additional 30 days due to closing delays. He told John they cannot kick you out if you are continuing to pay rent and if they try it will take them over 30 days to get a court order?

We wrote a letter explaining the situation and asking for an additional 30 days with enclosed payment for the entire month of November. I was contacted by the apartment manager on the following Monday advising me she could not accommodate my request, because they rented the apartment and had no other 2 bedroom apartments available.

She said we could stay under November 17, 2010 and prorated the rent through that time. She returned my check and I replaced it with the prorated amount. We had to turn the utilities back into our name for through the 17th.On Friday November 5th in the afternoon, everyone Larry, Steve, and yes even Ed ** contacted John, advising him that the USDA had just re-released USDA funds even though all of these folks had said on several occasions, they had all of the information they needed, the laundry list was provided again. Ed even advised John that he and his manager Mary ** were going to prioritize our loan to the top of the list of over 1100 folks waiting for USDA loans. Well unfortunately, with all of the folks pulling credit reports and the fact that my husband was using a thieving company called First Premiere Bank to re-establish credit, they hit him with the second annual fee this year which placed a credit card with a 200 credit line (fee was 75.00) over the credit limit which caused his credit score to drop down to 607 which is the below the 620 needed.

Steve contacted us back and said you need to pay down your credit cards to under 25.00 but don't pay them off. You also need to activate the new credit card with Capitol One. Well we did pay those credit cards down to $5.00. We could not activate the Capitol One card because we had not received it in the mail (it was returned by the post office 2 times before we finally received it on their third try).

Steve ** and Larry **, pulled a credit re-score which they received in 3 business days. They have had this information since approximately November 15, 2010, the re-score resulted in a median number of 651. Steve then started asking for more pay stubs, bank statements and everything we provided before. We have a reputation for a 24 to 48 hour turnaround. The weekend before November 17th, we rented a truck and moved all of our belongings into a 10 x 30 storage unit which is costing $180.00 per month. We moved into Inn Town Suites. Since we have to rent 2 rooms, one for us and one for my daughters the cost is $400.00 per week. So roughly in excess of $2000.00 per month.

Since we only have a cook top stop, we are eating out more than we would like to which is about $40.00 each meal. We had to get shelter for our dog since dogs are not allowed where we are staying. Now all the while this was going on, John met with Ed of BoA, he filled out loan paperwork and provided a laundry list of his own John provided the information immediately. Ed too, planned to request a re-score. Unfortunately, Ed did not request the re-score until around November 18th. John spoke with Ed on the 18th and he told him he was ordering the appraisal and the re-score which should be back within a couple of days. He told John he met with the President of Beazer Home earlier that day and he promised him the loan would be closed by November 30, 2010.

John said so we will not be in by Thanksgiving Ed replied Don't give up on me yet. John tried to reach Ed most of the day on the Wednesday before Thanksgiving reaching him at the eleventh hour (as Ed is increasingly not returning phone calls again) only to have Ed tell him, he hasn't heard anything but have a nice Thanksgiving. Easy for him to say, I am sure he had an oven to cook Thanksgiving for his family. On the Friday after Thanksgiving John tried to reach Ed, but no response only voice mail. John did receive a call from Steve ** from Freedom mortgage advising John that having two mortgage companies attempting a mortgage for the same property was not appropriate, so therefore he was requesting John to send him a written statement saying we were going with Freedom Mortgage and not further pursuing a loan with Bank of America.

He told John that he was aware Ed had a copy of the independent appraisal but Ed would not provide a copy to Freedom Mortgage. Freedom was not willing to pay for the appraisal if we were not going ahead with a loan through them. After John got off of the phone, we discussed the call. First and foremost, we did not bring more than one mortgage company into the mix Larry ** did and he had not called since we were advised by Steve to pay down the credit cards and advised by Ed not to because he believed we were right where we should be. Larry told John in a smarmy tone, "Well, if you want to just put all of your eggs in one basket that is up to you." Larry was pushing Bank of America down our throats even though the first approval came through Freedom. Now, all of the sudden, he was pushing for Freedom Mortgage.

Secondly, our thought was have all of these folks lost their minds, we do not want to be in the middle of a battle between mortgage companies. We just want a home! Third, how brazen of Steve to ask us to commit to his mortgage company in writing when no one has made any commitment to us. John called Steve back and we discussed our concerns.

I told Steve we have been pushed and pushed and we are living in a sleeping room, everyone seems to have lost all thought on the fact that we have done everything asked of us and we are basically homeless as a result. Ed thinks Steve is a nice guy but he does not believe Steve can do the loan. Steve thinks Ed is a nice guy but he doesn't think BoA will close.

Steve stopped me right there he said, "Wait a minute, I never said that Ed was a nice guy." I do not think Ed is a nice guy. Steve asked if we had forgotten how Ed and BoA left us high and dry before. I advised Steve that we did not seek out BoA they contacted us on November 5th when the USDA released funding.

We have just been allowing whatever and whomever to get us where we need to be. Steve said, he should hear something back from underwriting and would call us on Tuesday November 30, 2010 and we would talk about providing him something in writing then. John spoke with Ed on November 29, 2010, Ed told John we will have you closed way before Christmas. John and I agree way before Christmas is already gone. Ed promised to call John later that afternoon, he said he should hear something from underwriting by Tuesday the 30th and would let us know.

John spoke with Ed again on Wednesday December 1st after trying all day to reach him. Ed said, he will have us in the house by Christmas no longer way before, no longer in time to be settled by Christmas. We have not heard back from Steve ** and Larry ** is not returning our calls. We have pretty much depleted our savings and we are still in a hotel, renting 2 rooms each week. My personal observations here are our Government strives to bail out institutions such as the ones we are dealing with. These companies scream the loudest and from the place I sit their wounds are self inflicted. They have no genuine concerns for anyone, the internet is full of complaints about delays and large fees charged to customers for administrative errors which go unresolved and uncorrected.

This is a poor way to do business. Another concern I have is that Larry ** appears to be an independent fisherman with untraceable roots. He places ads in the local newspapers, which are borderline fraudulent, luring in guppies (such as my husband and I). The larger guppies get homes (possibly) and the smaller guppies end up living with family, friend, having to pay for housing beyond their means and some I am sure end up on park benches.

The beauty of Larry's profession is once he has his catch of the day he sends them to Ryan, Ed, and Steve for them to do all of the work, so he and his fat cat self can pull in 3.5% at the closing. He is strictly behind the scenes. He does appear to be brains of the whole process. His job is to take the guppies no credit, bad or scarred credit and make it look shiny and new.

They have lost sight of the family they are destroying. I haven't lost sight of that because it is my family and I am very angry.

The reason why I am filing this complaint is because BAC Home Loans Servicing, LP is denying our Loan Modification that was made between Wilshire Credit Corporation, PO Box 8517 Portland, OR 97207-8517 loan # 2630756. Wilshire enter into and agreement for and modification on January 12th, 2010, they later sold our loan to BAC in February 2010.

According to Wilshire, when the loan was sold all payments was current and our first payment with our new amount of 719.20 was to be due on April 1, 2010. By that time, BAC had our loan and we made our first payment to them.

Prior to making my payments, I asked the BAC representatives every time I made and payment if everything was approved and accepted with our modification. BAC representative stated to me everything was find, I made April, May, June, and July payments to them of 720.00 and they accepted all the payments with no reservations.

In September, we filed for Chapter 13 Bankruptcy because the Home Owner Association (Keeneland) was trying to foreclose on our home for payments owed to them from the precious Chapter 13 Bankruptcy. The HOM had a sell date of October 4, 2010, so we had to act fast. We had to file for Bankruptcy again to save our home.

I called to inform BAC Home Loans that we had filed for Chapter 13 and provided them with a case #. (Per my attorney office advice) Then at that time, they begin to discuss the modification with me. The person I was speaking with said that I would need to fax them in the modification agreement from Wilshire and I did, I faxed the agreement and the paper work that was blessed by the Court.

I never heard anything back from BAC or never received anything in the mail from them. BAC filed a large claim in the amount of $35,076.09 with there bankruptcy attorney Brock & Scott, PLLC 5121 Parkway Plaza Blvd Suite 300 Charlotte, NC 28217 phone # ** fax # **.

This amount includes payments from April 1, 2009 through November 1, 2010. They included payments that was already factored into the modification with Wilshire, in additional to that BAC did not gain procession of our loan till April, 1 2010. How can they come after us for payments in 2009? My complaint is against BAC for not accepting our modification and filing such a large claim for money owed to them when they did not have procession of the loan at that time. In addition we never, ever, received any paperwork or phone calls regarding this matter before they sent to their attorney. The attorney for Bank of America indicated that we did not respond back to their client. The only request they asked for was proof faxed to them of the modification and I went to the local BOA bank in my state and had them to fax that information to them.

At that point, I never heard anything back from them. We have not received any foreclosure papers from BAC but they included that in the claim that was filed by there attorney.

When they received our modification we had and agreement from Wilshire and I have the paperwork to prove that Wilshire had agreed to the modification. Why Wilshire sold our loan once the modification was approved. I do not understand. Do we have any rights? Can BAC just reject our modification and come after us for money that was already allocated in a previous loan agreement? BAC has caused a great deal of stress to me and my husband and they have not communicated with us at all. I have done all the calling into them.

We have not received anything in the mail from them regarding all these charges or the denying of our modification. We was presented with this information once we went to bankruptcy court. If they claim that they sent us something, have them to provide copies of it to your company. My second complaint with BOA involves their property claims dept. I am filing this complaint to BOA property claims dept. My car was set on fire on October 12, 2010 around 1:30am my car was outside my house which was parked close to the house. In a result part of the house was affected by this damage. State Farm sent a check for the damage within two weeks, because BOA name was included on the check it had to be sent to them. I mailed the check to BOA on 10/27/10, within a week I was calling them to make sure they had received the check and the information they needed from the contractor. I was informed that they had received all the information and that there was a process that had to do before they mail the check back to the contractor.

I continue to call in daily at least, around November 15th, I was given date when the check was going to be mailed out I was told that it would be mailed out on the 17th, 19th etc. We were even provided with a check # but still no check.

Last week, I was told that we would need to stop payment on that check and another check would be order. I stopped payment on that check 12/2/10. At this point, I was told that it would take 7 to 14 days and the contractor should receive the check via FedEx.

I am concern that BOA is just giving us the run around and have no intention on mailing us the check back. I explained to them that my house is on the corner and it is and eye sore to the community but most important I need my garage I fear for my life every night thinking that someone is going to set my car on fire again. I wake up all night looking out the window to make sure my car is safe.

We have pleated with BOA so many times trying to find out why they haven't mailed out the check. Can we please, please, get them to mail out the check to the contractor so that he can begin repairs on our home and I can sleep at night when my car is secured inside my garage. Thank you so much for your cooperation and understanding in this matter.

Ever since Countrywide was bought by Bank of America, we have had problems. The first thing they did was raise our mortgage payment $200 more a month, something about our escrow. That is my problem with them and the fact that we can never seem to get relief or help from them to refinance or modify our loan. Why didn't we have escrow issues with Countrywide? BOA said it was our property taxes. They said something about it was really only "$100 more a month", but that they had to "cushion" it with another $100 a month just in case. In case what? Our property taxes and house value went down. Why did my mortgage go up?

This is where our mortgage became difficult to pay. We went from paying $1700 (roughly) to $1923 a month. What happened to that fixed mortgage payment? I still don't get it. That was December 2006 when it went up. I was diagnosed with breast cancer February 2007. While battling cancer, chemotherapy, radiation and many surgeries, and getting behind since I was on disability (60% pay), BOA would not help us. We made "too much money". Even though my pay was reduced for 4 months, funny how we still made too much money.

BOA bases your income on a 5 week month every month, which if my husband and I did get paid 5 weeks each and every month we would have an extra two months salary to catch up on the mortgage. Funny, but a month is 4.33 weeks if they want to get technical. They should also not count your "gross" pay as what you are actually living off of, because you are only bringing home your "net" pay. I told them if I actually brought home my gross pay, we would not be in this situation! They made it impossible for us to qualify for any program while I was sick. I dealt with person after person, way too many phone calls, no one would call back. They said to "wait".

They offered this and that; the funniest program in order for them to even "consider" modifying our loan, they asked us to pay an additional, yes, I said additional monthly amount on top of what we already pay. I said did you hear what I said? We are struggling to pay what we are now with me on disability. They offered this more than one time. It makes no sense. And as I read all these complaints, I see many have gone through the same. "Do this for xx months and we will see," and then they turn you down anyway.

I submitted paperwork about 4 times. No one seemed to receive it except for one time, which of course we did not qualify. More recently (actually August of 2009) I called to update what I thought they had on file and I was told they don't keep the paperwork and I would have to start the process over. I was bringing home $200 less per month and wanted to let them know I was bringing home even less money because I had to take out a loan on my 401(k) to pay 2 months mortgage to catch up to stop their Intent to Foreclose. So now my "net" was even less. They didn't have my paperwork on file or any info that I had been dealing with them.

After screaming at them on the phone as I finally lost it, funny, they found information in their records, but still no paperwork of my modification work I sent in. I gave up. It's amazing how difficult they make it to deal with them and how long you have to wait to hear something back from BOA, but boy, are they quick to send out those Intent to Foreclose papers and call you everyday when you are late. I kept in touch with them too and let them know what was going on with our finances and our intentions.

After each time I'd call for help, all of 2006 and after BOA kept calling us to "borrow against your equity," "refinance your loan." I told them they were idiots and to read their files on how much they have rejected me. And just to make them feel bad, I played the cancer card, too. They were ticking me off. I have dealt with so many rude, short people on the phone. I begged to please tack the overdue month to the end of the loan. No. We have been struggling with this economy and my husband has not been making a full 40-hour week (plumber) since 2008. Our credit rating has gone south when they raised our mortgage and I was off dealing with breast cancer. Now they won't even let us refinance to a lower rate. Our credit was so good and yet due to cancer and BOA's refusal to help honest Americans who are paying their mortgage, it is shot. Fifty percent of my husband's and my net pay are going towards our mortgage now since they raised our rate. I have a fixed mortgage.

How can they raise it? If our payment was what it used to be and my husband was getting his full 40-hour week and the "world" would stop raising prices on gas, groceries, utilities, we could handle it! BOA needs to help these people and us. They need to bite the bullet, refinance (with no closing cost fees) lower people's rates regardless of lost good credit standing and make their payments affordable in these hard times for people who are honest about their situation. As I read these stories, I can totally relate. Something strange is going on. I feel like there is some fraud with this escrow thing. I am just too tired to deal with it. I had more complications from my cancer this October and worked about 6 days. We got behind again in the mortgage trying to catch up. Again, if we could only get our payment lowered, we could handle it better, raise our scores again, and maybe buy some decent groceries! I am just losing hope.

I have been trying to get a loan modification with Bank of America for over a year. The process was only supposed to last 3 months. I have been systematically stalled time and time again. I am in my second appeal through BoA and have spent my life savings to stay current on my mortgage. I fit into all the requirements and was found ineligible twice now. The bank will not give me a reason why. Other people I know who stopped paying on their mortgage have gotten rewarded with a loan modification and then people like me get put through the most hellish process I have ever experienced only to be denied in the end.

Someone needs to make the banks honor their part of the agreement under the troubled asset relief program. One bank representative had been so bold as to tell me they shouldn't have to honor tarp because the banks have repaid all our tax dollars we borrowed to them. I propose a federal investigation into all these bank's deceptive practices. We need federal banking regulations reimposed! The banks have invested in all our mortgages on both ends. No matter what happens, they still make a lot of money. This was a systematic way to shift and secure power on wall street and the white house. The banks do not care if families are kicked to the curb. It's capitalism at its worst and we are letting this happen. It's up to our representatives to start the investigations.

I have been in contact with my senator Max Baucus only to find his office refuses to help me. I just get the same old runaround. British Columbia will be my next home. Welcome to the start of our county's third world status. You are watching the middle class disappear forever unless something is done. Something has to be done!

Back in May of this year, we entered the HAMP program, (Home Affordable Modification Program) through BOFA. We sent in our information that BOFA required. We were provided with a phone number to check on the status of our loan. I would call from time to time to check on the status, trying to be patient by calling only once a week. Well, before we knew it, we finally got a letter in the mail in September stating we would get a yes or no answer in the next 30 days.

The next 30 days went by with nothing, no letter, no nothing. I then called again and again and I got the run-around each time I called. I was so frustrated I got a little more pushy and it paid off. I got someone from the BOFA Status Department to give me an exact date of when to expect our answer. The date was November 23rd and the guy went as far to say that the trial loan documents were on their way. We were so excited because we thought it was going to finally happen for us.

November 23rd came and went so I called again. The status representative said sometimes it takes a few extra days from the original quoted date. I then proceeded to ask him if it showed in his PC system what we were going to receive via FedEx? The BOFA Status representative said we were to receive loan trial documents. We were so excited to hear another representative reaffirm that trial papers were on the way. Finally, November 30th we got our FedEx envelope, but to our surprise inside was a denial letter for the loan. I called to complain and got nowhere.

I then wanted to see why we got declined, so I got transferred to the decline department. Their reasoning for the loan decline is we are current on our payments. I told the representative how can that be one of the guidelines to get into the program is to be current. Bottom line BOFA is stonewalling us. I'm writing to you to see if there is a direction you can point us into to maybe help us out. We do not know what else to do! Thank you for your time.

This letter is in response to bank of America's most recent reply to my ongoing dispute over a 6 month rolling late payment that appears on my credit report for my mortgage payment for account #**. I do not dispute that I missed a payment in February. I believe the payment to have been sent, but never received. Unfortunately for me, I can produce no documentation to verify this. I was never contacted via mail or phone by Bank of America when this occurred. (How an institution of bank of America' size can not contact a customer when there is a problem with a payment is beyond me. Every other bank and financial institution in the country seems to be able to do so.)

I continued to make payments believing there was no problem, having no reason to think so. In July, I was notified by phone that a payment had been missed in February. I promptly made a second payment to get caught up. I was still in the process of a divorce and was very diligent about protecting my credit score as I knew I was facing buying my ex-wife out of the house and would need to refinance the house in my name alone. For almost 3 years, I made all my payments on time, despite the stress and expense of the divorce. I missed one payment, but by the time I was notified about it, the situation had created a series 6 late payments which were reported to the credit bureaus and very negatively affected my credit. I have repeatedly asked Bank of America to address this situation to no avail. At worst, bank of America is remiss in not notifying me of a problem regarding my account. Their poor customer service and questionable inaction has caused me significant financial harm.

I am finding it impossible to refinance my house (which I have been ordered by the court to do) because of 6 months rolling late payments that was cause by one payment not received. At best, this is all a misunderstanding that could easily be resolved by Bank of America if they had any decency or sense of customer service.

I have filed a dispute with all three credit bureaus - Experian, Equifax, and TransUnion. I have also filed a complaint with The Commissioner of Financial Regulation for the State of Maryland. Bank of America claims they have thoroughly investigated the situation and stand by their negative reporting on my credit history.

In light of the negative media coverage of their lending practices, one would think they would be open to resolving this situation amicably. However, judging from the tone of the customer service people I have dealt with on the phone and by mail, this is not the case. I am exploring every available means to have this ongoing dispute addressed and rectified. Any assistance you can offer would be greatly appreciated. Thank you in advance for your attention and consideration in this matter. Please feel free to contact me by mail or telephone.

Every phone call to talk about any of the programs was a run around from one person to another. After a while, we would put in our loan number and be automatically sent to delinquency and was told we did not qualify for any programs. Every phone was at least 40 minutes most spent listening to. We paid off our delinquent balance with borrowed money to stop them from foreclosing as we were encouraged to do by an employee at the BAC.

Then we both lost our jobs and fell behind again, only to again start the battle. We fought for unemployment and won our cases. But it took 3 months and once again borrowed money from family to bring payments current. BAC lost all the paperwork. One time, we made too much, the next time not enough. We went behind our payments which were $822.00 up from $734.00. They would not even work with us on our payment plan.

I enrolled in the The Making Homes Affordable Loan Modification program through Bank of America on August 20th 2010 and I would like a real contact at Bank of America that can help me!

I was told yesterday, November 26th 2010, by five Customer Service Representatives with Bank of America that I have been declined for the program effective November 11th 2010 but never received a formal letter from Bank of America. These five Customer Service Representatives were just surprised that I never got a letter of denial.

I wake up this morning and I have a message from the Make Your Home Affordable team requesting additional documentation; they are incredible. I'm now told after I faxed in the additional requested information that I would be assigned an underwriter which I don't believe! I am current on my mortgage payments but I am ready to give my worthless piece of home and property back to Bank of America due to this nightmare program I have gotten myself into. How is this legal and how are they getting away with it?

My story is lame compared to some of the ones I've read here today. I know how I feel and I really feel bad for the people that have been treated worse than I have. When is someone going to put a stop to this insanity? It is a very humiliating and stressful process that should be illegal.

Bank of America is a sham and I believe a class-action lawsuit is a very real solution to this fiasco!

We began receiving collections phone calls from Bank of America on our home loan. I must make it clear that until the first call last week (November 20th 2010), we had no previous notification that Bank of America had acquired our home loan from Nation Point.

I spoke to a customer service representative explaining that we need a statement issued in order to pay the loan. I have received three more collections calls in the last two days. I spoke to Mr. Frank ** with CSR number ** on November 23rd at approximately 12:30 p.m. central time at the phone number 800-669-6607. Not only was Mr. Frank rude and snide about the situation, but he refused to let me speak to a supervisor, stating that it would take too long for me to hold and would cause others waiting in que behind me to have an excessive hold time. The issue is that I have requested a statement twice from Bank of America and I am still receiving collections calls and have still not received a statement.

If we do not receive a timely statement, we will have a double payment in December, and possible late fees, and the consequences of having our account put in a collections agency situation due to no fault of our own.

We were on a Pay52 pay plan for our mortgage - which withdrew a 1/4 of our payment each week. I wanted to change to a Pay26 plan, which would withdraw every other week. I called in September to make the change and the person I spoke with has told me that I had to cancel the Pay52 plan before I could do anything else. I said that was fine. We cancelled the plan and then proceeded - or so I thought - to sign up for the Pay26 plan. We hung up and everything was fine.

We got a letter in the mail a few weeks later stating that our Pay26 was denied. So, I called again and spoke with another person. She told me that the only thing she could see was that I was not on any pay plan. I told her the situation and told her that I wanted to get signed up for the pay26 plan and that I needed her to withdraw $1021.19 from my account to pay the full October payment (they already had the rest of my money from when I was actually enrolled in the pay52 plan. $1021.19 was the difference and by withdrawing this amount, I was, I thought, paid for my October bill). This was October 4th. She withdrew my money but never paid my mortgage.

We are transferred to another department and speak to someone else about signing up for the pay26 (my husband is on the line with me each time we call). We get signed up - so we think - and are all set. A few weeks later, we get yet another letter saying that we aren't signed up for any pay plans and we start getting letters that we are now in danger of foreclosure.

It's now November 15th! We called for a third time and during this time, I find out that our October mortgage hadn't been paid, as it should have been and we have had nothing taken out for November, either. She then tells us that she only sees $1021.19 in our account - but it hasn't been applied to any mortgage. Where's the rest of our money? She doesn't know and offers to send me a ledger of what they've taken out and where they've applied it.

It's November 23rd and I still don't have this document. She also tells us that she doesn't see that we've ever signed up for Pay26 and that our account shows no conversation with the pay26 person at all. Until we get our account current, they can't do anything about it. So, they have months of my money, but won't apply it (and say they only have a portion of it) until we get current. That's $5400 that they want us to come up with before they will even talk to us. We've paid our October bill now and have had to sell stock to pay for our November bill, which we haven't paid yet because we are waiting for the stock to clear.

We have had to sell stock in order to get current with our account, which should have been current all along. We will have to pay taxes on that money - and we lose that stock. They have our money but won't apply it to our mortgage until we spend more money with them.

I've written many such letters as this through the years begging for help to expose the fraud at origination from First Franklin and National City Bank for being stuck in a loan based on lies that are predatory, that ultimately caused a financial domino effect due to the servicing by Home Loan Services and now BAC. It is so clear ,not only was my loan set up to fail, the real goal they keep trying to initiate is foreclosure. When the loan adjusted in 2008, I can prove a small modification we qualified for would have helped keep us current like we had been the whole time until the adjustment.

But because this liar loan increased our payment, we could not afford the property taxes which we would have had the broker kept his word. With my husband out of work, I put in overtime to keep current, but in no way could we afford the adjustment. I spent months upon months following all the advice of Home Loan Services, fax, refax, lost paperwork, flat out lies, abusive customer service all in the name of trying to save my home. But after my applications were denied for various reasons, they contact us when the hardship is over, we make too much, we don't make enough, we get qualified for a short FHA refinance which we did. The end result would be denials with more lies.

We were told it would be better if we were behind on our payments to receive help. We were told the investor after months of **** doesn't allow modifications. We were offered a modification twice for way more a month than we could commit to, like 75% of our income. Having no choice but to default when it adjusted even with them telling me help would come faster, the only thing that came was my auction date right on time with of course robo signers, assignments after the fact and of course no help at all.

When I say foreclosure has been the goal here, please trust me. An investigation into this, I have no doubt, would prove it, but who? Let me make this clear. We are not deadbeats that bought too much house. I based our payment on my full time income being my husband is in the Union. We did not use it for an ATM. We did however, get caught up in a circumstance. We have paid dearly for giving our trust to professionals that left us filing Chapter 13 after missing eight payments total in the almost seven years we have been here and felt the only option left to keep trying to save our home. We were desperate for protection from being foreclosed on.

In my research, the proof of claim is bogus, Douche Bank along with MERS and the long list of beneficiaries does not truly have a claim to foreclose, thanks to all the slicing and dicing. Many months ago, I asked for a payoff statement. I got three in one week. Each adding $10,000 in fees. How can one letter to the third add $20,000? It's sad, but true; we missed eight payment and got behind on our property taxes, but how can a loan balance go from $378k to $442k? Do those numbers add up to you? My home is only worth $225k, but I assume the insurance in place will payoff much better than a principal reduction they say is available, but I have yet to hear one person who received that. I've sent QWR's and got lame replies. I've hired an Attorney to advocate for my family that was ignored. I wrote them to validate the dept; that too was ignored. I've written letters asking to show me how they denied us or called my negotiator a dozen times, only again to be ignored.

Do any of you know how this feels or what it does to a family that only wants their lives back that has worked hard to keep their home? It breaks us down and leaves you broken for months on end wondering if your marriage will survive or any relationships you used to have when this takes over your every waking moment, having your days start with tears to puking in the shower, getting ready for work praying for a miracle to show itself. I was in fact a bit surprised how clueless many were that are not living this main street American life at recent hearings. I also wanted to scream out loud. Thank you to the others that stepped up trying to get our message across. I listened to every word Barbara Deoser said about her goals in helping homeowners. Is what is truly going on so far down the food chain from her?

She believed what she was testifying goes on at BofA. Or like my case and many others, the only help on the way, is seeing us use our front doors for the last time for profit for that is the goal my world has come to know. In October of this year. our loan is being serviced by BAC. The first words out of the customer service rep was they had not received a payment in eight month! What are they pulling now? Was that the only eight we missed that are included in the B/K we have made each payment plan on for over a year? If that is the missing key, where are those payments going? They can't answer my questions, but want me to go back to my bank statements to prove to them I made the payments on time so they can apply them to my account. No one can tell me where those payments we made went.

I explained the real help we need is to go back all the way to ordination to now and make this right. BAC will only deal in the here and now wanting us to apply for the half dozen time for a loan modification when we just did that months ago with again the payment amount much more than we could commit to without defaulting at some point down the road. The stringing us along to add fees, denials and stall tactics with lies won't help our today if all those yesterday's are not resolved! Yes, many times I have contacted the OCC, Treasury, AG's, all housing agencies, every department in Washington and California I could find along with every elected official and many CEOs to resolve this by getting much needed help to expose why we have been lied to so much, but guess what? Not one stepped up in a way that could have saved my family from all this heartache, torture and abuse. Is anyone there now?

Everything I have experienced for years is coming to light. After all this short version of the last several years I have one question. If the powers that be really don't have any power to step in, please be honest and tell me my real options to resolve this. If you truly believe our only option left is to quit making our mortgage payments to afford an Attorney, please know that choice will not be an easy one to make. However I can't do both. I also can't keep waiting living in fear for what will come on the bank's part kicking us in the gut so hard you can't breath again. This loan is set up to fail based on lies and the goal of foreclosure that has become trying to survive a plan we never signed up for. I'm so tired of trying to survive this. I very much miss having my hard work be for living a life with joy and dreams.

Thank you so much for your time in reading this. I'm very sorry it is so long, but trying to get my message of the last four years is hard to try to make my points, begging for the help, find accountability even if it is us that have it here too. Please really look at us without a hidden agenda profit in mind. Our home is a 1485 square foot 1969 ranch. We are a two family household. My husband Brian and I, my daughter Kimberly, son in law Cody and baby Kaitlyn Rose reside here. We all feel with the shape of the economy having our roof over our heads is our top priority. Please make it yours too.

My name is William **, my wife I have been trying to get assistance from Bank of America for a modification since 2009. My family and I live at **. I have endure loss of income causing a hardship and we got behind our mortgage payments, my wife and I are senior citizen she is 72 years old and is in poor health, we have been struggling with Bank of America for assistance with our mortgage.

I have complied by faxing documentation and followed up with the modification department on these days: 12/3/09, 1/6/10, 1/20/10, 2/6/10, 2/12/10, 3/4/10, 3/10/10, 3/15/10, 4/6/10, 4/14/10, 4/26/10, 5/6/10, 5/19/10, 5/26/10, 6/15/10, 6/18/10, 6/22/10, 6/28/10, 7/1/10, 7/9/10, 7/19/10, 7/23/10, 7/27/10, 7/30/10, 8/4/10, 8/16/10, 8/23/10, 8/25/10, 9/3/10, 9/10/10, 9/20/10, 9/22/10, 9/20/10, 9/27/10, 9/28/10, 10/7/10, 10/12/10, 10/20/10, 11/9/10, 11/12/10, and 11/18/10.

They continue to tell me is under review and I will be consider for a modification , I am emotionally exhausted Bank of America continue to play games and lie about the modification. I wish you can investigate how they process their modification I believe you will find abnormality, In addition I want to file a complaint for the misleading, misrepresentation of Bank of America toward the homeowners they should comply with the government regulation. I want to keep my hone it is causing an emotional stress in our live please I need your assistance.

As part of this economy, and like many, many other Americans, I was laid off. I went through my unemployment benefits and am now on "do what I can do to make a dollar mode". When I was first laid off, I had to play catch up with my mortgage as I was in foreclosure from the Bank of America. I caught up and paid an unbelievable amount of fees to get back on track. At that time (about 2 years ago) I applied to Bank of America to modify my mortgage.

Every week for about a year I would call BOA and they said I was still on the list and they are working on the modification. After some time I was making regular payments and forgot about calling every week to see where my modification was. Fast Forward, I was just late on my October Mortgage payment by a month and a half. I went to the bank today to pay both October and November payments but they wanted close to $1,000.00 extra to get me current as there was some "fees" $926.99 to be exact. This is because I missed to make the October payment within 30 days.

What the ** is that? They are fast to assess fees and send me a letter stating that some fees may be involved but when it comes to getting my loan modified, I am still waiting. So, what am I supposed to do with this $926.99 fee for being 31 days late? I was willing to catch up and pay the normal late fees for November but I only had enough money for October and November's payment and regular late fees not the added $926.99 fees for November to get me current. Can you please help me with either the crazy late fees or better yet get me my Loan Modification. Loan sharks are starting to look better than banks.

When Obama first announced that he was coming out with a modification program for the public, I contacted my bank, Countrywide. I was told that Phase 1 didn't apply to me because I was current with my payments and told me to try back in a few months. Only the people who were 3 months behind on their payments were eligible. Then, Bank of America bought out Countrywide. I went on their website to find out some information about the MHA program. I filled out the questionnaire on the BOA website and I fit the criteria needed.

I owed no money to any other creditors except BOA. I then contacted a HUD representative that was listed on the website to help me with the process. I contacted one of the representatives and explained that I am struggling to stay afloat with my mortgage payments. I've been under several doctors' care and going for various tests plus I was put on various medications and therefore, I was struggling to pay my mortgage. Although I was still current, I didn't meet any of the criteria for these programs. So, I was stuck.

Three months went by and this representative just yanked me around and basically did nothing to help me. So, I contacted another HUD counselor. In the mean time, I had contacted BOA and I was also getting the run around. The 2nd HUD representative said that I needed to find out if the first HUD representative was my counselor of record and until then, she couldn't help me. So, of course, I contacted BOA again and they didn't know what the heck I was talking about. So, I contacted a 3rd HUD counselor. I started the process with them however, finally, I received an application from BOA to do a modification. I filled out the questionnaire, sent in all my information required and months and months and months went by. I called every so often to inquire and I was told that my file is still pending and they were waiting on information from me like the SS information. I sent it to them three separate times. I received a temporary 3-month agreement for a reduced mortgage payment but I was also told I was in default because I wasn't paying the full monthly payment.

Either BOA called about my late/partial payments or I called and I was transferred to one department then another and disconnected or I was transferred to another number and was on hold forever or I was told to call a specific number and would be disconnected. I could never reach a representative from the bank and when I did, it was the wrong department or the wrong number. At this point, my health problems escalated. I was being tested for various autoimmune diseases and put on various medications and it was costing me tremendously. I was also told I had cervical cancer and I was consumed with that. I had my first surgery in April and at this point, I couldn't afford my loan payments anymore. I finally found someone who could help me and I was able to borrow money to bring my mortgage current. Again, I am still waiting for the outcome of the modification request.

Finally, in June, I received a letter stating that I was denied. One year later, after my initial contact with the bank, I was scheduled to have a second surgery for my cancer in July. I called BOA 2 weeks before and said I wanted to work out a short sale or a deed-in-lieu because basically I have no money, I have no way of coming up with the money, I have several health problems that are taking precedence and to avoid the necessity of foreclosure, I just wanted to deed my house over to the bank. BOA has been jerking me around for over one year so I will just take it and be done with it. I was going on disability and with all my medical bills and prescriptions bills, I couldn't afford it anymore so I told them to take it. They told me I had to list my property for 3 months in order to be eligible for a short sale.

A few weeks later, I received a letter from BOA saying that I was accepted for a modification. Not sure what changed in that time but after looking at all the fees and my payoff on the loan, they were tacking on a tremendous amount of money at the end and basically the few dollars I saved each month on the modification wasn't going to help me at all. In fact, after looking at the figures closely, the bank was trying to sponge every cent they could get out of me through this modification so I declined it. Did they think I was a fool? In the mean time, I got a letter from the bank asking what I wanted to do, short sale, deed-in-lieu or deed-in-lieu and rent from BOA. I checked them all off. I was sent yet another form to fill out what I filled out 3 times already with all the same information I had previously given to them.

A few weeks later, I was served with a foreclosure complaint. I guess all the time I tried to negotiate with the bank, in the end, they were just going to **** me anyway. I filed an appearance pro se. I haven't paid my mortgage since they are foreclosing on me and I wait and wait and wait. Note that I was honest and cooperative with the bank from the beginning but they don't know what they are doing. The left doesn't know what the right is doing. Each person you talk to tells you something different. Had all this been addressed properly when I first contacted them, it would have been resolved with less money spent by the bank and less aggravation and stress on my end. So now, I still wait to see what is going to happen. I've been on all the government websites and they all state to work out an agreement with your bank. I tried that but to no avail. I don't know what else I can do. I have no money. I am hesitant to deal with any attorneys that try contacting me because of all the scams I hear about. They all want money that I don't have. I don't have any family to help me out financially either.

After losing my job on two occasions, I fell behind on my mortgage and other bills. Bank of America issued me a loan modification in July 2009 with payments to being in September. I made three payments in excess of $5000. In September 2009, I was forced to file bankruptcy. BOA then reneged on the modification saying that it was invalid because of the bankruptcy even though I had made these payments. I was given no indication of what happened to these payments and the money was never returned to me. In January 2010, BOA issued me another loan modification with payments to begin in April. I have been making payments faithfully since then but have been unable to get any answer about whether my loan modification has been finalized.

I called BOA today only to be told that yesterday, 11/17/10, a release had been filed in the bankruptcy court because the court orders have not been followed. I have no idea what they are referring to because I have proof of every payment. I was given the name of Delice **** at **** and I was told to contact her because she was the original negotiator on my modification. I called that number and was told that no such person exists. I am afraid that whatever paper was filed in bankruptcy court yesterday is going to force me out of my home and leave me and my children homeless. No matter who I speak to at BOA, I get a different answer. This has been going on for over a year and a half and I do not think BOA has any intention of finalizing a loan modification for me. I do not know what to do or where to turn. Can someone help?

In 2009, I purchased a home. My loan started out with Country Wide and then BAC took them over, and it's been one thing after another. One thing that I had to do, if I wanted my loan to be approved, was to purchase flood insurance (I hit the roof). The next time it floods in this area, will be the end of the world, but I was forced to buy it anyway. The purchase price for the home was $95,000 (the homes around here are still dropping in price). The amount of flood insurance that I bought for this house is right now $195,000. Now, a year later I'm being forced to purchase an additional $58,000 worth of flood insurance, because $195,000 isn't enough for 2010.

Bank of America called today, about 5 times. I did not know who was calling. They did not leave a message. I called the number back, and spoke to a representative, to let them know that they will be receiving the payment by the 30th of November, in the amount of $1,855.60. I thought the calls would stop, but Bank of America keeps calling. They called about 10 times today.

Bank of America was working with us to modify our loan so that it could be affordable. While the whole time, they were filing foreclosure on our property. They never served me with papers. They continued to urge us to wait on the Making Homes Affordable program. As it was getting close to the sale date. We put the house on the market for a short sell. The realtor called Bank of America and found that the person who was supposed to be our point of contact didn't even work at Bank of America. This process of us trying to get a modification went on for a whole year. With me calling them every week and providing them with all the paperwork needed. They now say that we never qualified for the Making Homes Affordable program but would never tell us why.

Bank of America offered me a refinance program. After I paid all their up-front loan fees, sent all the necessary paperwork and waited two months, they sent me a letter stating that my home had an insufficient home value. Didn't they know that before I spent money for everything besides the appraisal, and what I currently owe on the home?

I lost my job in 3/28/09 but had knee surgery and was able to pay my mortgage up until may of 2010 on disability. This ran out. I called Bank of America and let them know of my financial problem and to let them know I was actively looking for work. After three months of being unable to find a job, I was told about the loan modification program and given a number to HUD for assistance. I was sent the paper work for the loan modification and told what papers to send in which I did, three different times because they kept saying they didn't receive them.

I would call from time to time to check on the loan modification and was told each time not to worry, there was no sell date on my property. I finally obtained a job in September and called to see if I could make up the back payments and was told they would no longer accept my payments and to wait for the loan modification. I called every week to check on the loan modification and in November, I was told my home was in foreclosure and had been since September. When I asked why I had not been notified, the person on the phone said they had sent me out a card in August stating I could pay the back payment and catch it up, that I was suppose to take the card to the post office and pick up the letter. I explained to her I never received any letter from the bank.

The lady stated I would be receiving a letter from a lawyer stating how much it would take to reinstate the loan and that would be coming in a few days. I waited for over a week and still no letter so I called back and of course every time I called, I was told something different by each person I talked to. Finally, I called and someone gave me the number of the lawyer but for a week I could not get through because the mailbox was full. I called them back and told them about the problem and she said she would call for me and of course, she could not get through either. I was told to keep trying the number and after four days, I was able to leave a message but of course the lawyer never returned my call.

I again called them back and they said they could give me the amount needed for the reinstatement. I was behind $6649.64 and was told I needed to pay $8774.67 by Monday. I explained to her that this is Thursday. How could I pay that amount of money in 4 days? I also asked why was I not notified of my home going into foreclosure the bank never sent me anything and I was told that they didn't have to notify me and that she was now notifying me over the phone in October. I knew at this time Bank of America was just trying to take my home. They did not want to work with me nor did their lawyer so I was forced to file for bankruptcy to try and save my home.

I've had this home for 13 years and have been with Bank of America for only 5 years when I refinanced with them. Big, big mistake. My home is valued at about $250,000 and I owed $161,000 on it. They were never going to give me a loan modification because I didn't have a job at the time. They were just holding me off until they could take my home. I was told to called back in December to check on the loan modification and by that time my home would have been sold.

To everyone out there, don't trust Bank of America. They are nothing but crooks trying to steal poor people's home. I'm a grandmother taking care of my grandchildren. Where would they go? I know some people will say if you don't pay your mortgage then you should be put out. And to them I say, if you never lost your job I'm so happy for you but sometimes things happen beyond your control. I worked hard for many years for my home and to have it put into foreclosure without even a letter is not right. Just because you are a big bank, it does not give you the right to run over people.

In August 2009, when all the home modification stuff started out, I was late on making one payment and saw that Obama's Making Home Affordable Program was starting to make sense. A lower interest rate would help make the bills lower. I signed up for the trail payments and BOA fiddle farted around. Eight months of trial partial payments made me actually three payments behind. After talking to a counselor and all that **, they said I didn't qualify.

I made another partial payment and then BOA sent a letter stating that I did qualify and that I needed to sign another loan contract. As I read the contract, it stated that they were going to take all the principal and interest of 7.65% from my first seven years of my original loan worth $158,000 and stick it in their pockets--and then, make a new 31-year loan at 2% for the first year, 3% the second year, 4% the next and 4.5% for the last 28 months.

I calculated it up and was going to pay an additional $65,000 on top of the original loan amount. I said "no way," and they said, "well, that's all we have to offer." After that **, I have lost my job and have been unemployed for three months--that puts me behind on my payments by $15,000. I contacted BOA again and they refused to help in any way or form. They said that if I can't come up with the $15,000 by Dec. 15, my home will be sold at auction and they will be the buyers. I asked if they could put the default on the end of the loan and I would still be paying interest on it but they refused. I worked hard on paying the first seven years. That's the way they treat all of their customers.

I have yet to hear one good thing that Bank of America has done to help with this housing crisis. ** them. All their going to get is a pile of ash on an empty lot. I suggest that you do the same. Five years in the penitentiary and I'll have a roof over my head and three square meals. See you in five years.

My complaint is actually against three companies. In August 2009, Taylor, Bean and Whitaker was taken over by the government. This is the company I had my home financed through. I was using an Equity Acceleration Program that paid TB&W. When TB&W lost my mortgage, Bank of America picked it up in August 2009. My first correspondence with the Bank of America was them telling me I was late paying my August 2009 payment. However, this payment had already been sent. I paid one payment and half payments (1742 dollars) the month in question due to the accelerator program I was using. I have spoken to people from all three companies and I have sent the Bank of America documents, showing my payment was withdrawn and sent on 08-06-09 to TB&W.

The only response I get from the Bank of America is "We are working on it and we cannot do anything until the money is released by the government." I have heard that same statement for almost 15 months now. And it does not seem like the Bank of America is doing anything and the other two companies are pushing off the responsibility to everyone else. Equity Accelerator's address is PO Box 6505, Englewood, CO 80155, phone number 1-800-209-9700. TB&W's address is 1477 N. Magnolia Ave., Ocala, FL 34475, phone number 1-888-225-2164.

We had a mortgage with Taylor, Bean and Whitaker. We made three payments to them, all of which cleared our bank. They obviously went under and our loan ended up at Bank of America. Somewhere in this transition, our first payment mysteriously disappeared or BAC says. We have faxed proof of the payment twice, which they have no record of and mailed copies of the cancelled check in, which amazingly they have, no records of either. We've spoke to countless people at BAC, who all assured the government bailout money would be clearing soon; your account will be current then and don't worry.

Since our initial contact with BAC, they have sent us so many letters (25+) threatening us because "your account is delinquent" it isn't even funny. Almost every time we get one, we call BAC. The last representative we spoke to, again, assured us bailout money had started clearing and not to worry. At that time, we asked 1) lots of late charges were accruing due to this? We were told they would be taken off our account, don't worry. 2) Will any of this appear on our credit report? We were told that until the whole Taylor, Bean issue was resolved it would not be, don't worry.

Much to my dismay, we received another mailing from BAC, explaining how bad we were for being so delinquent. The same day, we also received a letter prompting us to look at our credit report, which we did. Looking at the credit report, we noticed that BAC has been reporting to the beaus. They're saying that not only do we owe the lost payment, but all the late charges appear to be there as well. It shows a late payment, which is an outright lie; we've never been late on our payments to them, ever. It also looks like they're expecting $30 a month more than we were paying Taylor ** and were not told? How does that work?

My name is Alicia **. I live at **, CA 90242. My family and I have been living here for more than 12 years and with the bad economy in 2009, I have suffered reduction in my monthly income causing a tremendous hardship. I was calling Bank of America and on 8/11/2009 they advice I could qualify for a modification. I proceeded to fax documentation on 8/24/2009. I faxed addition documents on 9/21/2009. I called for follow up, they need more documents. I complied and faxed them.

On 10/16/2009, I called Bank of America and a representative advised me that I had receive a package for a pay plan program and I was to start the payments. I told her I never got this package. She then put a request for a new package for the pay plan program. This way, I would be considered for a modification. On 11/16/2009, I was advice to resubmit all the documents again for a modification. I complied with Bank of America. On 11/25/2009, I send additional documents requested by the loss mitigation department.

I continued to call on 1/8/2010 documents were received by the loss mitigation dep. 1/13/2010 still under review. 2/11/20010 still under review. 3/24/20010 still under review. 3/30/2010 I was eligible for the AG program. 4/2/2010 still under review. 4/6/2010 needed up dated documents. 4/14/2010 got documents requested. 4/30/2010 still under review. 5/6/2010 still under review. 5/9/2010 still under review. 6/3/2010 still under review. 7/1/2010 still under review. 7/15/2010 need additional documents. I faxed them.

On 8/18/2010, I called and was advice that I have been removed from the modification since 6/26/2010. I was devastated. All this time I was lied to and mislead. I have been faxing documents for what purpose? She just advice me to re submit the package again. I did not have a choice, I then resubmitted all documents again. At this time I have been faxing up dated documents all over.

When I contacted Bank of America on 8/2009, I was behind 5 month and with their misrepresentation and misleading information, I now owe them $85,547. This is outrage. I have been making my trail payments. I am requesting an investigation against Bank of America for their procedures and misleading, misinforming and for lying about my modification. I believe they are not in compliance with the rules and regulation. I demand that they modified my loan and stop accumulating all the extremely fees and for them to reduce all the late charges and outrage fees. Thank you.

BOA took over our mortgage in the second year of our loan at which we were paying $650.00 per month--which is what we agreed as affordable and acceptable from Countrywide. In the second year of taking over our mortgage, BOA payments increased to $787.00. The home owners insurance above increased my premium from $785.00 to $1,390.00 which was ridiculous as I had never filed a claim. BOA pays the premiums as well as property and monthly FHA insurance--and makes the 7% rate as well as my house. ANPAC raised my rate to $1,590.00 a few months ago. I tried to make arrangements with BOA to bring down my mortgage payment which they raise again to $851.00 per month.

I had been unemployed since November of 2009. I talked to them on September 2010 and was not behind on payments, but could not afford the $851.00. I sent $787.00 each month, at which time, I talked about an Obama Home reduction. They sent papers containing "this charge and that fee" and nothing about what my reduction would be. So, I have dismissed this line of affordability as it only reduced a small amount--it would not help. And the way things are, I expect the mortgage to reach $1,000.00 per month soon. I also explained that I had applied for disability and had not been working.

I talked to ANPAC about the reason for continually raising premiums and they said, "someone has to pay for all the claims, and it doesn't matter if you file one or not," which I hadn't at that time. The premium has more than doubled and the mortgage increased from $650.00 to $851.00 in less than three years! The insurance commissioner in Oklahoma apparently has lots of friends in the insurance business to allow such travesty to its citizens take place. Doubled in three years is unbelievable! Tell the insurance companies to cut back on perks, overly high admin pay, race cars, jets and especially the multimillion dollar CEO severance packages and such, until the company gets back in the black.

It's companies like BOA and greedy insurance companies that are causing the housing and employment problems! When will our benevolent leaders in government quit stealing from the poor and giving to the rich? Because I have been put into a bad spot because of the greed. A once affordable house has become unaffordable. If I remember right, owning your own house was the American dream. If I can get out from under this nightmare, no more being a slave to 'juicers' and 'greed-mongers' that call themselves American companies. Isn't it something that both companies have the word American in them and are doing these things to their fellow Americans? What's wrong with that picture? I'm tired of 'legal theft' like this.

In an attempt to refinance a loan on a home I own in Elk Grove, CA, I contacted the BofA in Marysville, WA where I currently live. I explained to the loan officer that I had to rent out the house in Elk Grove and didn't know if I qualified for refinancing at a lower interest rate. The house is rented out at a loss of $600 a month and unless the payments are lowered, I may have to let the house go into foreclosure. The loan officer assured me that my credit rating did qualify me to refinance and that my house qualified and asked me for a check for $300. Several weeks later, I got a letter stating that my collateral was an ineligible property type and that my credit report was insufficient. My calls to the loan officer went unanswered. I went in again to see the loan officer who told me that I had not been turned down yet and that my property was eligible. I am unable now to get any response to my calls from this loan officer.

In January of 2009, I made a late payment on a loan I have with Bank of America. My next statement showed an increase in the interest rate to 24.99% as penalty to the payment being received ten days past due. I contacted Bank of America and was told that I would be on a six month probationary period where I would have to pay this outrageous increase and then my account would be reviewed. Bank of America would make a decision then about reinstating my original interest rate.

I again contacted Bank of America in October of 2009 to have my interest rate set back to normal. My request was denied for no other reason then it was not possible to do at this time. As I protested to the representative, she asked me if this interest rate of 24.99% was a hardship. Indeed, it was. At this rate, I would never be able to pay down the debt. She asked me if I would be interested in speaking with someone about hardship, that they may be able to help with rate reduction. I said yes and was transferred to another woman. I was never informed that this transfer was taking me out of Bank of America.

I believed I was being put through to another department within the bank. I was told that if I agreed to having one sum taken out of my checking account each month for them to disperse, to not use my credit sources and to purchase their book for $50. I could reduce that rate of 24.99% to 6%. I asked a few questions such as how will it affect my credit score if I do this; will I be able to refinance my home as part of this program? I was told most people see an increase in their credit score and no, there is no time limit on applying for mortgages.

In June of 2010, I contacted Bank of America about refinancing my two home line of equities into one mortgage with an escrow account. The rates had dropped significantly and I would be able to save just over $6,000.00/year. I began asking questions with the Bank of America representative, Sean. He took my information and went through the application process with me. I was told of an application fee of $450 at this time but it would not be charged to me if the loan was not approved. An appraiser was sent to my home. Sean had said if the home was to appraise for higher than a certain amount we could move forward. The appraiser wanted two improvements made on the house as the loan would be FHA but it had valued above the amount needed.

The improvements needed were completing an unfinished floor in my kitchen and repairing paint that was chipping on my porch. I put $1,000 worth of materials and work into the home so Bank of America would be satisfied. They sent a second appraiser out to check the work. Within a day of the second visit, Bank of America called to say the loan was not going to happen due to an oversight on their part. This oversight? I was part of a debt management program. After two requests, I still have not seen the credit to my account for the $450 they charged for the application fee.

Bank of America has now stated that their official policy is to not approve loans for those in debt programs until you have been out of the program for a full year. I wouldn't be in this program if Bank of America had not financially forced me to be. All phone conversations are taped at Bank of America so anything in this complaint can be easily verified.

I am now stuck paying 7.25% on my home equity line of credit, while interest rates are in the 4% range. I have just completed my 12th out of 36th payment to this debt program, so it is unlikely that I can better my situation for at least another three years. Bank of America never said I was being transferred out of their company, they never stated the ramifications of joining this program and they had no reason to deny returning the loan back to its original rate in the first place. I am losing $6,000/year by not having this loan approved, plus the $1,000 worth of work I put into the home and the $450 loan application fee that has never been returned! Bank of America was first in line to receive its bailout but would like to keep hard working, decent people scraping to make ends meet!

I have a house that had 8 feet of water in in from Hurricane Katrina. It has been boarded up since. In 2009 I agreed to a workout on the loan. I have made all of my payments, but Bank of America made a posting error. About 6 months ago, they proceeded to foreclose due to their posting error. The house was scheduled for sheriff's sale in New Orleans. BOA's legal representative in New Orleans (Jackson *****) says that the foreclosure is still active and will progress. BOA is telling me (on the phone only) that it is back in normal status and the error was their fault.

I have made over 20 phone calls to Jackson and BOA and they continue to contradict each other. I have financing approved to repair the house, but the lender will not fund the loan as long as it shows the foreclosure. Someone is lying to me, either BOA or Jackson (BOA's agent). Over the last 3 weeks, I have made a tleast 50 calls to BOA and my persistence is the only reason they acknowledged the error. They have put me on hold and hung up on me many times. I also question the amount that they say I owe them (the workout amount about $25,000). No one can tell me specifically what the charges are for.

This lending company is ruthless. We were having some financial troubles a while back and tried to get help from them. In return we got treated terribly. In a nut shell -my husband's hours were reduced and we started to fall behind on our bills.

We turned to Bank of America for help. We tried to get a home modification loan and that was awful. They drug it out for months. I called usually on a weekly basis, faxed them everything they needed (3 times) and stayed on top of things. We fell more and more behind, because it took about 3 months for them to do anything. Then they said we qualified for the forbearance program and were given 6 months with just paying 1/2 our payment. We were never told or given documentation that after the 6 months, we would owe the the lump sum of the other 1/2 payments. What good was that!

We then owed over $3,000, which they wanted right then and called us at work and at home and with mailings. They again threatened to take our house. We borrowed the money from relatives and were able to keep our house. I am sure some people have not been this lucky. This was in April. We applied for a car loan a few months later and our credit report said we still owed them. After several phone calls, we were told they would take care of it. I applied for another loan a couple of days ago and it is still saying we owe them after 8 months of being current.

My husband and I have been in pure ** with Bank of America loan modification for a year now. This is our story. We have been writing everyone. This explains the fraud. This is my third complaint against Bank Of America Home loans. My husband and I purchased a home on April 27, 2007. This was with Countrywide. Everything was fine with our loans/payments until my husband lost his job due to being laid off on May 19, 2009. We had enough money to sustain our bills until about August 2009. By this time, he had still not found work and we were living off of unemployment, which was 1600k a month and my small income from working.

Once August hit, we started having a hard time paying our mortgage. We continued to pay but we were paying a month behind. Thus, once September 1st came, we started receiving phone calls for our late payment for August. We did the best we could in keeping up with the payments. So, for August, September, October of 2009 we incurred late fees.

When November 1st, hit we had still not made our October 2009 payment. My husband explained to a representative that we were going through some hard times and were trying our best. We never avoided their phone calls and had stayed in contact with them. This representative told my husband that he would set us up with a modification program. He said we would not need to pay out October payment because it would go to the very end of our loan. So October 2009 was the only payment we missed.

This representative set up automatic withdraw payments directly from our bank account. Our mortgage was due on the 1st every month, and was considered late after the 14th every month. The representative set up partial payments for the 17th of every month. Thus making it a late payment. Our normal mortgage payment was 670.00$ per month. He told us we would need to pay 570.00$ of automatic payments for three months and if we did that we would be able to have our loan modified for this particular mortgage.

My husband agreed and set up the automatic payments. We still received collection calls and letters. He would speak to them every time a representative would call or he would call every time we would get a letter in the mail. From November to January, every single representative that he had spoken with told him that everything was fine and that they would just continue to call until the modification was set in stone.

Once January came around, we received a letter stating we were four months behind and could face foreclosure of our home. He called and spoke with a representative who informed him that our modification paperwork was never submitted. So, we were told not to pay October, and had late/partial payments from November until January.

The representative he spoke with in January of 2010 told him that she was going to sent up the modification. We would now only be paying $470.00 a month for three months of automatic payments. She also said she would fax/email him a copy of the information. We still received collection calls and then once the end of February came around, we were told once again that we were not set up in any program. So, from January until February we were now paying 200 dollars less then our original mortgage and it was also considered late. I then contacted the Attorney General and by doing so, we finally got some headway with a real modification program. Complete with documents, letters, emails, calls, underwriters, advocates etc. But from November 2009 to February 2010, we incurred late fees due to the faulty information given to us by Bank Of America representative. Bank of America still has not credited us back any late fees during that time. Keep in mind, the only payment we had not paid was October. This was told not to pay.

During this whole entire time, my husband was still unemployed. Every document we sent in had his unemployment information. Bank of America knew he did not have a job. They never said one thing about it. Towards the end of July, 2010 my husband started working. He was able to fax two pay stubs for completion of our modification paperwork. Two weeks before our paperwork was due, he was told that he did not qualify unless he was working. This was told to him in July. This was never told to him at any other time.

Thankfully, he had just finally started to work. He faxed them his two and only two pay stubs that he had. This was in July of 2010. We finally received a letter on November 2, 2011 stated that we did not qualify for a home modification due to the fact that he made to much money. Bank of America has been giving us the run around for an entire year. We were lied to for over 5 months about being modified. They set up payments after they are considered late and set up automatic payments of a smaller amount, thus we incurred thousands of dollars worth the fees and partial payments (for an entire year). We have faxed them every document they asked, only to be told they never received certain documents, then we had to fax them over and over again. We have kept in contact with them throughout this whole process.

During our "real" trial modification, we never missed a payment. In fact, we paid all of our payments before they were due on the first of every month. Now, we are disqualified for a modification because he makes to much money, when he had only been working two weeks. Now, we are being told that we are considered 6 months behind because we were only paying $700 monthly for 5 months during our real modification. We had to set up an escrow account to even be considered for the program, which brought our "normal" mortgage up to 1000k monthly. So we have an extra $300 x's five months to come up with and we still are being tact on late fees because they only apply payments to back pay and they apparently hole our payments until they add up to 1000k and apply them to our loan. So, every other month we are incurring fees. We cannot get on any pay back plan or forbearance program because we are considered to far behind on our mortgage. So, we owe 5k worth of late/partial payment fees.

For an entire year, Bank of America has been nothing but a headache and filled with lies and cheating. I was so distressed that I couldn't even answer the phone in fear it was them. I couldn't check the mail in fear I would receive another "possible foreclosure" letter from them. They lied twice about being on a modification program and they do not want to compensate our late fees for anything even though it was their representative who set up the faulty program. Throughout 5 months of being on the real modification program, he was never told that the program only applied to him if he was working. They never said he could get a forbearance or a different type of modification. Then, only two weeks before our final paperwork is due, they told him he has to have a job. Thank the Lord, he had finally gotten hired. Also, on his pay stubs it says his start date for employment. Now, after being strung along for so long, we get denied and can't even get on a payment plan.

The only time we have ever been able to make headway with them is when I complain to the Attorney General. We want to keep our home and we are now in a financial position to make on-time payments, just as we were before we was laid off. But we cannot afford to give 5k worth the misc. charges and late fees. They are unwilling to work with us and have been full of lies after lies.

We would like to make this right. And remember, this all started with two late fees (August and September of 2009) and a non payment of October (which we were told not to pay per a representative that was getting us modified). Thank you for your time in reading and reviewing this letter.

We live in New Mexico and this all started with Countrywide, but now our grief is with BoA! Our only connection to BoA has been due to their acquisition of Countrywide, who had acquired the contract from Quicken Loans.

Per our original contract a portion of our monthly payment is automatically applied to the Escrow. Initially, there was never a problem making a payment, and we never encountered any issues when we put additional funds into Escrow.

In June of 2010, we received a notice from BoA that based on their "analysis" of our taxes we would have a shortage in our escrow, and to compensate they were raising our monthly payment effective August 2010 (note the 90-day advance notice). We had at that time sufficient balance in escrow that even if our payment was not raised we would have more than enough to pay any tax bill. Additionally, our County Tax Assessment (received prior) was only to be half of the previous year! It was obvious a) our current escrow balance was not figured into their "analysis and b)their increase was wholly unjustified!

To hedge our bets for the coming tax year, we had already placed an additional several hundred dollars in escrow via their website! We were a bit concerned, but made our July payment as usual, and per our practice, printed out a receipt/copy of the confirmed transaction which shows the amounts allotted to Principle and to Escrow. At this time all was normal.

The next day, when doing our daily banking, we noted that even after confirming our online payment the previous day, they had a) Altered the designated amounts, and b) Increased our monthly payment for JULY, a full 30 days prior to the effective increase date of AUG 1, 2010!

Contact using their site webmail was useless, and we sent a complaint (first one)using that method. No response via their site.

We then received an e-mail from someone identifying themselves with a high-sounding title asking us to call her to discuss the issue. We replied that we would no longer "do the oral thing" with any representative of BoA due to the lies of any individuals we had previously spoken with and to protect ourselves in the future all communication from them is to be in writing via e-mail, registered letter or FedEx! We have never heard back from the individual.

We obtained a copy of RESPA, and created a "qualifying complaint" with all supporting documents (Letter re the August Increase, Copy of Online Payment, Copy of that same Altered/Re-Allocated Online Payment, copy of a proper Analysis of our Escrow including the then-current balance illustrating that by continuing our regular monthly payments we would have an overage every time the taxes came due, notification that they had increased our monthly payment a full month earlier than their own schedule, and a written refusal to pay the increased monthly payment and our intent to no longer use their "Secure Online Banking" feature.

Additionally, we advised them of our intent to make all payments through the local branch and only in the amount we had previously been paying! These documents were gathered together and taken to the local branch nearest us, presented to the Branch Assistant Manager, who bent over backwards to help us. She faxed all documents to the Customer Service Dept., then got them on the phone to discuss the issue. We advised them that we had already enough in our Escrow, but had added an additional amount to it to hedge our bets. Interestingly the "Rep" curtly advised that they were required to only accept up to 1/12th of the escrow per month, per RESPA. She would do well to actually read any referring document, as RESPA only requires the servicer of the loan to be limited to how much they can require monthly. Nothing worse than an **/idiot combination.

The best the BoA C.S Dept would do is only increase our monthly payment by $10.00. Wasn't that nice. The Asses weren't supposed to increase it at all! The CS rep was told what we thought of the "solution!" (We have since been paying our original BoA payment locally and forced to get the local management to "force the payment through" because BoA refuses to back off. )

Per RESPA, they are required to give a written response to our "Qualifying Complaint" within 60 days. It is now nearing the middle of November and we have only received monthly statements showing an increased monthly mortgage payment. Absolutely, no response to our RESPA based complaint! Attempts to find a local attorney for assistance has also been interesting.

Everyone acts interested in a consultation until they find out it has to do with BoA and/or a banking dispute. Suddenly, their calendar is full and they apologize, they "just don't have the time available" for a consultation. Makes me wonder if they are on Retainer for BoA, or just plain scared!

At this point we're not sure whether we are even looking in right state for an attorney, as COuntrywide is in California, and BoA corporate is on the East Coast. All BoA Mortgage-holders must be encountering similar treatment, so all BoA clients should get together and file class-action suits. Some of the horror-stories we've read just at CNN illustrate this!

The stress has already amplified my wife's Asthma problems and hasn't done me any good either! We're concerned their eventually going to declare us in default and start foreclosure proceedings, so we need to get started fighting BoA early! BoA needs to be hit hard in their pocketbook, as it seems to be the only way to get their attention.

I applied for a Making Home Affordable loan modification with BAC. I entered into a trial payment for 4 months that turned into 8 months. My documents were lost several times, and I was forced to take a Loan Modification from BAC and not the MHA that the governments put in place. To date my loan is still in flux and my loan closing payment, which is my first month's payment, is stuck in cyber space. Now my mortgage is almost 2 months past due because they will not let me make my current payment until the past due payment is made. I have placed calls to BAC every week since December of 2009. My credit has suffered due to all of the delays in the process.

I bought a new house in Las Vegas, Nevada in February 2008. In October 2008, I lost my job there. In the meantime, the value of the new house dropped from $225,000 to $100,000 and decreasing daily.

Having no job in Las Vegas, I was transferred back to New Jersey. Unfortunately, due to the economy, the expenses from the vacant house in Las Vegas and the expenses in NJ, I was forced to file Chapter 7.

I received a letter from BOA on 3/31/10, stating they would be willing to stop the foreclosure process with a number of options, including a Loan Modification Plan to prevent me from losing the house. I chose that option and spoke to a gentlemen who gave me a task to gather a number of documents in order to qualify. I contacted them back and got a different person on the phone. I explained my situation, provided them all the details and documents they requested, only this time they wouldn't talk to me. Just stated that I no longer qualified for the Loan Modification.

Since my bankruptcy was in full swing, all of my debt had been eliminated by roughly $1,200 a month. I offered BOA to buy the house back for what it was worth, roughly $60,000, but they wouldn't entertain that idea and they refused to process my Loan Modification stating that I couldn't afford the house.

Bank of America sent us information regarding a mortgage modification. We filed the paperwork August 2, 2010 and we had not heard anything for three months. In the meantime we were contacting BOA regarding whether or not we should be sending some type of payment and when the modification would be completed. We ended up with communication from New York, Texas, Maryland, California, Florida, Kentucky, and once I spoke with a lady named "Pearl" in India! Now four months later, we receive notice that foreclosure is imminent because of non-payment when they told us to "wait until the paperwork is completed! " They promised from the beginning that foreclosure could not take place because of this process. BOA set us up to fail.

with a bid on the table with qualified buyers, they decieded to foreclose on the sellers instead of taking our offer. which our offer was 21,000 over the asking price. what is wrong with these people?

Our house went into foreclosure a couple of weeks ago. I had to have a total hip replacement back in August and my short-term disability ended up not paying while I was out of work. Besides my son's SSI disability check, I have the only income coming into the household. So it put us behind enough for the mortgage company to file foreclosure (3 months). Since we were served the foreclosure papers, we have been trying to get a reinstatement dollar amount so we could save our house. We have called 3 times and each time they said it's in the mail; but we have yet to receive anything from them. We have also made a request and complaint online and the response was call the mortgage department, which we had already done 3 times with no results. Honestly it is starting to feel like Bank of America is not wanting to help us keep our house at all and we are trying very hard to keep our house. Please can anyone help?

Bank of America and their home loan modifications are a set up for them to receive more money from the consumer and ** people. I was under modification for 11 months for them to come back and deny me. They decided they would try to do a different modification and of course, that was denied as well. Now I am worse off now then before. I even started this process and they want me to pay $8500.00 and my house is due to be sold on December 7, 2010.

I have yet to receive any phone calls back. I am 2800 minutes and 212 people later and still no answers as to what we can do to settle this. They tell me my account is a disaster but yet have no clue how it got this bad or how it can be fixed. They are unprofessional and very rude and heartless.

My mortgage is with Bank of America. I was unemployed during the first 6 months of this year but continued to make my mortgage payment in a timely manner. I had to almost eliminate my retirement money in order to do this but I was trying to keep my credit rating acceptable and pay my creditors. I found employment in July 2010. Unfortunately, I am making 2/3 less money annually than I have made in many years and much less than when I received my mortgage.

After reviewing the home loan modification criteria, I contacted Bank of America in July and requested a loan modification. I was told that I qualified because of my reduction in income and that a loan modification package would be sent to me within six weeks. I was to complete the documentation and return it to BOA mortgage. The review process, I was told, would take up to 6 weeks. I heard nothing nor received any documentation.

After two months, I called Bank of American Home Loan Prevention Department. After being put on hold and transferred several times, the call was finally answered by a very rude woman. I explained my situation again and she proceeded to tell me that I shouldn't be in the house because I couldn't afford it and then asked if I could borrow money from family or even my church.

She pulled my credit report without my authorization and started reading my personal information. After telling her how insensitive she was, I became so upset that I hung up the phone. It is now November 7th and I have still not received any loan modification documentation from Bank of America. I have called every week and have spoken with countless employees in default prevention departments and even something called the Hope department. They have all assured me that my request is escalated and that I will receive a "FedEx" package within a week. I have talked with supervisor after supervisor with the same message.

I missed my first mortgage payment in October. This could have been avoided had Bank of America performed their due diligence and tried to help me 5 months ago when I first contacted them. They are calling me every day regarding my payment. Apparently, the systems do not speak with each other because I have to spend at least an hour every day explaining the situation with them. I know there are probably many of you out there in this situation and we cannot let this go on. I am a financially responsible person who wants to pay my bills and keep my home. Like many others in extenuating circumstances, I am trying to do the right thing.

This company does not care about their customers although the government has mandated programs for those of us who have suffered from this economy. I hope everyone who reads this complaint will join with me and let the public know of these unfair practices within this organization.

Last December 2009, we started the Making Home Affordable program with Bank of America. The only reason we started the process was an associate from Bank of America assured us that we qualified. I was so worried about doing anything with my mortgage but the associate assured me that the worst thing that could happen is the balance, late fees, trial payments, etc. would all be added onto the end of my loan and I'd go back to my normal payments. I thought that was great and after all of the Obama help to banks, I totally believed him. We went through the trial months-- 4.

I received on letter stating that they needed documents: hardship affidavit and a signed tax return. I faxed both the next day. I never heard anything. I called and was told it's still in review. I waited and called again. Told the same. I got a letter soon after saying that we were declined because there were missing documents. I called and was told, "No it's still in review." I told them about the letter and they say, "No, it's still in review." I called again and they told me that I'm missing documents. I told them I faxed and mailed them in. They told me to resend. I resent right away.

After weeks of getting the runaround, I'm told that I don't qualify for any programs and I owe $10,000 by November 17 or they will foreclose on my home. I contacted HUD and they give me the HOPE hotline. A representative from HOPE calls Bank of America with me. We're on a conference call and the HOPE representative has to intervene and told the Bank of America associate that she needs to be honest with the homeowner. The representative was lying to me and I would never had known because I am not informed on home laws.

The associate then tells the HOPE representative and myself that if I am within three months delinquent on my mortgage, they cannot start foreclosure proceedings. The HOPE representative confirmed this. That meant that if I could get the $10,000 down to 6,000 by Nov. 17, they couldn't start foreclosure proceedings. I made a double payment in October and planned to make another one in Nov. and borrow the other $1,500 off of my dad. I was informed last Friday, Nov. 5, by Bank of America that that is not true. If I don't pay the entire balance, $8,000 now because of my double payment last month, they will start foreclosure proceedings on my house.

Bank of America is a bunch of liars! They want your home and will not help you. They are crooks and need to be prosecuted. Somebody needs to investigate their fraudulent promises but I don't know who to contact. Who can I go to for help so that I won't lose my house? Bank of America needs to be put out of business or be held responsible for poor and illegal business practices.

My simple request of B.A.C Loan Services was to review my Deed of Trust and write me a letter for my Co-op Management company, so that I may be able to rent my property. Unfortunately, in NYS, you need to have a written letter from your loan company stating you are able to rent.

Not only does B.A.C not have my Deed of Trust on file, no one in customer service knew how to deal with my issue. I made 8 different phone calls throughout a 3 week process. I was told 8 different things, transferred to different departments, spoke with supervisors and managers and no one was able to get me an answer. I was lied to over and over again. I was told my document was being prepared and I was receive it the following day. When I called the following day, I was told something else, by someone else. They never logged all my complaints to get information. At this point, they are basically holding me hostage. They do not have any information on my loan, yet they continue to take money from me on a monthly basis. I even faxed my copy of my Deed. And that wasn't enough to have them give me a correct answer. At this point, I'm so upset, but there is nothing I can do.

In 1993, I refinanced my home loan with BOA from another bank in Brookline, MA. Since then, I have gotten a 2 equity loan refinance the home loan twice with BOA and paid around $2,500 closing cost each time I refinanced. This time applied for an extension to my existing equity loan after the appraisal, credit check and the Title search. They said they cannot move further because the Title search reveals that there is the lien on the Title from the Bank in Brookline from 1993. They never released the Title when 1st refinanced with BOA.

My question to BOA was how were they able to pass all my previous loans and why didn't the previous Title searches did not reveal the lien on Title? Of the $2,500 for closing cost, $400 was for Title search and their response was that in those days Title search was done after the loans were passed. I am wondering if the Title was ever done before? Every time I called, I got different response from the person who answered the phone. They wanted me to $75 to the Bank in Brookline to have the lien cleared which I refused because I already have paid $1,200 for Title searches previous refinancing loans.

I refiled through Countrywide in October, 2008 but unfortunately, I was diagnosed with cancer and had to have an operation on November 1, 2008. I was 2 weeks short of short term disability with my job, so I was unable to get any income. I called Countrywide to explain my situation and asked if there was anything they could do before I defaulted on my loan until I got back to work. They informed me, no, I had to be in default. So, I had the operation and the doctors who did it slit my bladder after they released me and I had to return the next day for another major surgery to fix the hole in my bladder. This kept me out of work for 2 months recovery.

Then Bank of America took over Countrywide and the nightmare began! I have been going through literal hell with them. Now, under doctors care for emotional distress - every time I talk to them it's a different story completely. I'm told, I'm in a trail modification, received the paperwork, made my payments since June, 2010. Then the negotiator Andrew **, said he couldn't reach me and sent me a letter which I faxed back to him in June 2010, saying he can reach me at the only phone number I have.

He said or told someone that he never received my correspondence. But I have proof, I sent it and it went through. So he, in his infinite judgement, took away my modification loan saying he never received the docs they sent by FedEx. Not true again. I have the signed delivery notification signed by S.** saying it was received 3 days before it was due. That was never "logged" in to Mr. **, I suppose. In the midst of all of this, I have spoken to a supervisor, Miss **, who said she would put in an appeal. She would contact me within 24-48 hours. No response ever. I spoke with "Jim" and he said that I can't have an appeal because I'm with FHA and they don't do appeals. Another false statement made by Ms. **.

Spoke with Stephanie who tried to reach Mr. ** and I told her it was no sense because he doesn't answer, she came back to me and said "You're right, he doesn't answer". She sent emails to Mr. ** to call me and I left a message in his voice mail to call me. To date, I have yet to speak with him. Left a message for his supervisor to call me, no response. Spoke with Telvina on October 1, 2010 and advised her of all my financials again, explained all the problems with Mr. ** and she said, she would contact him to try and reopen the modification because of the proof I had regarding the paperwork. I would hear from her within 24-48 hours, no response to date.

I have had numerous phone calls from Bank of America and when I answer no one is on the other line. I have notes in my phone each time this happens. It happens at least three times a day. I just received a phone call from a "Cindy" because no one at Bank of America has a last name and they are not allowed to give it out. Surprising? Not at all. I asked to speak with Telvina who gave me her extension number, Ms. ** said she couldn't transfer me. So I said Ms. ** basically lied when she gave me her extension to call her.

Ms. ** then advised me negotiators do not reopen modifications, I asked why would Telvina say she was going to Mr. ** to do that. Again, false statements. I then gave Ms. ** my financials again, which I gave to Ms. ** October 1, and she said they have no workout plan for me and my Notice of Acceleration expires November 20, 2010 and then my home will be up for foreclosure. My doctor has advised that I write to Bank of America certified receipt requested but no one seems to know who is in charge or a physical address to mail a letter. I have complied with all of Bank of America's requests and they continue to give me false statements, inaccurate reports, and lies from each and every person I have spoken to since this all started.

Ms. ** asked, "Could I bring my account up-to-date or pay 4 months mortgage payments? Duh? If I had that kind of money, I wouldn't be in this mess. Bank of America certainly does not care about their customers. Customer service is very unorganized and the negotiators are irresponsible. I would like to start a class action suit against them. I also have another friend here in Charleston, SC that is going through the same problems as me. No one ever calls her back and she is facing foreclosure as well because of their lack or organization.

In December of 2009, I was offered a loan modification trial program from Wilshire. I had to make three months of payments on time at $942.40 versus the old mortgage amount of approximately $1,550. I made all three payments on time and thought that I was going to save over $600 monthly. Well, in February, I received a letter from Bank of America stating that they were my new mortgage company. I was concerned that this may affect my new loan modification. I called Wilshire and then the Bank of America, both of whom stated that I would be okay. I continued to make the new payments through April until I received correspondence from B of A that my loan modification had been denied.

No reason was given but I suspected that since I was back to work on a temporary assignment, they felt I was financially set because I had money coming in. I had to repay the difference between the old mortgage payment and the new payment which amounted to about $1,800. In July I noticed on the back of my monthly statement that the B of A noted that I was in their Trial Modification Program and that I can make payment of $942.40 or the old amount. I was baffled, where did this come from? I went to my local B of A branch and one of the managers called the mortgage department for me and was advised that my loan modification was approved. The day after, I called the B of A mortgage department and was advised as well that I was approved.

In September, I received notification by mail and phone that they did not receive my mortgage payments. I advised them of the check number/date/amount. I also advised them that I was in the modification program so they advised me to call the modification department. Each time, the mortgage department advised me that I was delinquent. I spoke to the loan modification department who advised me that I was okay and I had nothing to worry about. It turns out that the mortgage department was not aware that I was approved of the modification acceptance that they did not recognize my new monthly payment so it went into a different account that did not go against my mortgage. I was advised that the "left hand did not know what the right hand was doing". This was stated by a member of the loan modification department about the mortgage department. I received a letter in September that if I did not make payments current by 10-07-10, foreclosure proceedings would commence.

I have filed complaints with the Better Business Bureau, Attorney General of Arizona, Senator John ** office, Congressman Trent ** office, and a local Phoenix TV station. The BBB, Arizona Attorney General and John ** have filed complaints with the B of A. John ** has also filed a complaint with the Office of the Comptroller of Currency. I received a phone call from a Robert Dover from B of A who blamed this situation on Wilshire. He said that in the transfer of paperwork between the two companies, they did not see evidence that I made my last payment to Wilshire on time. So what did they do? They assumed that I did not pay my last payment to Wilshire which was the third and last payment to officially satisfy the loan modification requirements so the B of A denied my eligibility for the modification.

Why they didn't just contact me to supply proof that the payment was made and on time back in March. Interestingly enough, Mr. ** requested this information of me two weeks ago. Why so late? Mr. ** called me last week and advised me that he was satisfied that I made not only all of my mortgage payments, but in time! He then proceeded to tell me that the B of A will no longer be handling this matter, it will now be in the hands of one of the organizations under the Obama Housing program. I should hear from them shortly. I have not heard from them but did receive a voicemail last Saturday the 30th of October from another B of A person. I left a message back with him the same day and also 2 on 11-4-10.

I left 2 with Robert ** as well on 11-4-10. Why? Because I received a FedEx letter from a Todd ** who works in the B of A Home Retention Division. The letter states that I was being informed that they tried to reach me about missing information and if they did not receive this "missing information" by 11-10-2010, my files would be closed. First of all, what missing information? This was my first and only written correspondence concerning this matter and I received a voicemail on 10-30-10 which I assume was from Todd, but nothing was mentioned about this so-called missing information.

Why couldn't they advise me on the phone or in the letter what information they want? Do you think that they just want the deadline of 11-10-2010 to approach and close the files on me and claim that I was not co-operative? This sounds dirty to me! This was very long winded but this has been a headache for me since May of this year. Every time that one side of B of A claims that my modification has been approved, the other side shoots me down the next week. I have proof that I satisfactorily met the modification requirements with Wilshire. The B of A knows this, but will not abide by it. They want to push me into foreclosure. I will not allow them to do this to me. I would like to kindly request the advise of a lawyer in this field who can walk me through the possibilities of retaining my home, keeping or improving my loan modification and the possibility of a lawsuit against the Bank of America. Thanks.

I was a long time customer of Countrywide. When I last refinanced with them, they told me the best thing to do is a first loan, and apply for the Equity Line Of Credit after the First closes on escrow, rather than both at the same time. She told me how much the Equity Line Of Credit would be good for, and I was happy. I said fine, as I trusted Countrywide. But I found out, to my surprise, that BA had purchased Countrywide in the middle of the transaction. I never ever wanted to take out a loan with BA, as I was fully aware of their predatory lending practices. When the BA agent finally called me after I had to re-apply for the second, he asked me about my previous Equity Line Of Credit with Countrywide.

He said, and I quote, "What did you do with all that money?" I informed him that what I did with "all that money" was none of his business as this was a secured loan. I could take "all that money" out in one lump sum, and give it away to charity, bet it in Las Vegas, or give it away to the first passer by. What I do with secured money is none of anyone's business! Guess what. The Home Equity Line Of Credit that I was entitled to never happened. I never signed up with BA, I was with Countywide. So, I was, in a word, abused by the predatory lending practices of the company that I never signed up to administer my loans. Moreover, BA is in breach of contract with what I had already negotiated with Countrywide. I, and all the other victims, are in need of a class action lawsuit against Bank of America for their illegal actions, and I believe are entitled to real and punitive damages as a result.

I have been going back and forth with BofA since December, 2009 about MHA program. Finally, they gave me trial period, I asked for it in writing and they said they would send it, in meantime, just pay trial and set it up for 3 months. I did, I kept calling and been given to many different departments and feel like a fool talking to them. It's like they read a script and just want to make me think they are helping me when really they don't care.

I have a notice of intent to foreclose that expires on November 17, 2010. I have never been in default with my mortgage and was never told going into this trial period it wouldn't be applied until all funds for month were received. If I had known this was how it was going to turn out, I would have never done this. I am now 3 months behind. I need to speak to someone that can help me keep my home.

My Daughter lives with me and is due to have a baby in 4 weeks, my Mom is 73 yrs old and owns home with me. We were mislead into believing that they were caring and really helping us, all they want is our home. What do I do next? I appreciate any advice you may have. I live in Los Angeles, CA. Also, I have been working with HUD, hope and any agencies I could get assistance from. I'm in need assistance, as many of us are, to keep my home, I have followed the guideline BofA requested and submitted all information. They just give me too many different numbers and departments, I'm back to the beginning now. On Oct. 4th, 2010, our income increased and they said we can resubmit for MHA, so I asked if a packet will be sent to fill out again, they said they don't that anymore, just fax additional financial income, I did, last night, 11/3/2010 I called BofA and was told that I'm not in review since I didn't submit packet for MHA again, I would have if I was given correct advice and sent the MHA packet again.

This is really stressful, and I do not want to lose our home. Bank of America has misled me. I have numerous numbers I have called, and many departments I was transferred to. This is wrong, we are concerned for our homes and it seems the bank we talk to acts as though they are helping when they really don't care. I need to come up with thousands of dollars now to catch up, in which none of this was explained clearly when we started the process. Please help us and everyone going through this mess to save our homes. Who else can I contact at BofA to get a truthful answer? I spoke to Home Retention, Advocate department, Foreclosure department, Hope team, Hud, and many more.

When I call back and go over the department I told them I spoke with, sometimes they say "I don't know why they sent you to that department" this is frustrating dealing with them over the phone. Please, Please help, I'm running out of time. Some representatives tell me to keep paying the trial payment, I have, and others say I should be paying full mortgage until decision is made. I never get the correct information.

It's now overwhelming and also, our utilities have become overdue, and shut off, in which we paid extra to turn it back on. We have a baby in the house and another on the way; this is a nightmare what has happened. I'm trying to get money together to catch up on mortgage and pay food, utilities and take care of my family. I don't know what to do anymore. Bank of America said if modification doesn't get approved, they will go back and fix our credit, taking off default, I asked when and I get an answer of maybe up to 6 months.

We go to food banks, and are trying to survive now. We are also on a fixed income, and have no resources to get help. I call and call the bank for status updates and only get told it's in review, and intent to foreclose expires on November 17, 2010. Please help save our home. An attorney I spoke to wanted $4000 to handle this, if we had $4000 we would put toward which are now delinquent payments. Thank you, thank you for your time.

On December 2008, I lost my job. On January 2009 I lost my husband. If things were not bad enough, I found out that the mortgage insurance we requested was never added to the home loan.

First, I was turned down for a refinance because I was unemployed and when I found temporary work over this last summer, I applied again. November was my final "trial period" payment. When I tried to make the payment on line the BOA Home Loan system, I would not put the payment through for more than 5 days. I called in the payment so it would be in on them. I gave the person the check number, routing number, account number and amount.

I went to the store on 11/2/2010 and my bank card was declined! When I got home, I pulled up my bank account online and found the check by phone was not put in for the amount I approved but for an additional $462.72. I have now called for two days, always told I would be called back, with no information. I understand that I have a difficult situation. I'm on the deed but not the loan and no power of attorney (who thinks they will die at 44). They will not talk to me because I'm not authorize on the account but they can take the money I did not approve and not give it back to me.

We tried for two years to have our loan modified. After ** and back. One would say we were in review and approved then two weeks later it would be another tell us they don't even have the account in review. I sent in multiple financial and in the end they gave us an ultimatum of reinstated our loan and calling it a modification.

So now our payments have gone up five hundred dollars a month until escrow is paid down. Because they labeled it a mod for the government sake they said we were not eligible for another mod for 12 months of consecutive payments. And my husband lost his job and in his new one has $20,000 less per year. Bank of America says there is nothing they can or will do.

In Jan. 2009, I lost my job. I paid my mortgage up through July 2009 in hopes that by then I would have found employment. As we all know with the economy the way it is, it is very hard to find a job. I fell behind on my mortgage payments. After which I requested a loan modification. I was instructed to send in information needed to complete the modification which I did. I was eventually put in a forbearance program where I made reduced monthly payments for a period of six months but this was only temporary.

I was told by the end of the six month period I would receive a correspondence telling me which permanent modification I was to be put in. I made payments for the six month period but did not receive any information on my loan modification. I contacted Bank of America to see why I had not received the information I was told I would. The representative informed me that I was eligible for the Making Home Affordable Modification and since the home is in foreclosure, this modification would stop the foreclosure process. They instructed me when received to fill out the packet and return the information to them. I agreed.

After a period of a few weeks, I still had not received the packet. I called Bank of America to find out why not. They looked at the notes to the account and agreed that I should have received one and assured me that they would send a packet out. I said "okay". Another extended period of time passed still no packet. I called back and was told again that one would be sent out to me, which I never received. More time passed. I called again and was told that the packet would be escalated to me because one should have been sent out.

Over the next weeks and months I was repeatedly told the same thing. I never received the packet. I received a letter from their lawyer explaining that a sale date had been put on the home. I contacted them once again to no avail. I finally sought help from a housing counseling agency that had been recommended by a family member. The agent spoke in my presence to Bank of America and asked if a packet would be sent, they informed her it would. I never received a packet.

Keep in mind this is the day before the sale of the home. The agent faxed in all the information needed to complete my modification after which she told me I was denied. If they would have sent this packet when I requested it instead of lying to me other measures could have been taken to save the home. I had no choice but to file bankruptcy in an attempt to save the property.

They are still attempting to proceed with the foreclosure and have filed to lift the automatic stay for abandonment. When speaking with Bank of America, I have been told that the last thing they received from me was in July 30, no record of me ever completing a MHA packet although I was told I was denied for it on Aug.24, 2010. Did they lie to me just to proceed with the sale of the home? Guess I will never know.

Given the state of the entire country in regard to home foreclosures, I am compelled to write and tell someone my mother's current story/situation in hopes that someone, somewhere will care or at least be interested enough to do closer investigation of the fraudulent business practices of Bank of America. I hate to imagine how many elderly folks have possibly already been forced from their homes in this manner. In trying to find contacts to help within the company, I googled and found many many similar situations have been going on all over the country. Fake names, fake phone numbers, no return calls, misinformation and basically just fraud.

Forgive me for giving as many details as I can but this is a very serious situation for all of us in this economy. Bank of America should not be allowed to continue in this manner. Please just read on.

My mother is 75 years old and continues to work full time at a local nonprofit health center. She is responsible for over 60 elderly clients who need a liaison between themselves and the services available through the county to get their medications, transportation, home care and the like. She was a full time home maker for 30 years and came into the work place at Wal-Mart at age 50 and has worked ever since.

My mother and I also have a farm animal sanctuary in NW Tucson, on the property that she purchased over 14 years ago. This desert property of about 4 acres was primitive desert when she moved here. Now, it looks like a garden. Mom planted every tree, several that are already taller than her house. She dug the holes for every fence post and done most all her land/home repair on her own due to lack of extra income. She is currently raising her 13 year old grandson as well.

Like most of us, mom does occasionally have to pay a bill late, or a house payment in two payments. She lives pay check to pay check to balance it all. She has never actually "missed" a single payment or gone without contact with her mortgage company. Her payment history reflects a regular and consistent payment history. Sometimes she has not been able to make a full payment, but has always contacted her lender to let them know what is coming and when. There has never been a problem with this practice.

About two years ago, CountryWide, as well all know, sold to Bank of America. This past August, my mother notified Bank of America that her payment of ($808.00) would come in two payments as she was trying to give her grandson the first birthday party he has had since he was here at about two years old.

Mom notified the bank and sent a check for $400.00 near August 15th. On August 24th, she sent another $400.00. Soon after mailing this payment, she noticed that the second check had cleared her account but the first payment had not. Then, she also got a letter dated August 18 with the first check enclosed/returned, notifying her that she was in foreclosure and that the entire amount was due in two days or she would be proceeding into foreclosure. The first check was being returned because it was not the full amount of $808.00 and they would no longer accept a personal check. (We have still, to date, no idea why the next check, received within a week of that was processed and cleared.)

Anyway, she called, spoke with someone named Jose (that we still have never been able to locate a second time) and he assured her that if she could get the remaining $400.00 in by certified check in two days by Sept. 15, that she was "fine". He did a financial report on her and promised to call her when the check arrived. Mom went to the bank and got a $400 cashiers check, paid $18 to the USPS to get it sent overnight mail. The document was received and signed for at the address she had been told to mail it to. No word from Jose. She called again. They say she cannot access Jose but they would email him. The next day, she found a voice mail from Jose saying to call back, gave a toll free number and an extension number. When she tried to call, there is no way to enter an extension number. She spent hours (at work) on the phone trying to reach someone and was told no one has their own extension and that they are a "call center" and anyone can help her.

We were told that the check had not arrived. We spent days getting documentation from the USPS showing indeed it had arrived in time and had been signed for! Finally, a supervisor (Paula) was reached who verified it had been received and "in time" but they can't find the check. We check with the bank to make sure it hadn't been processed. We also spoke with a man in "payment research" who promised to solve it.

Days go by and they can't figure out who or where the check went. I would estimate a hundred phone calls and three supervisors who each promised to research and clear up the situation and call back. None never have. Meanwhile, someone came and posted the foreclosure/sale notice on the door and according to B of A, she is in full foreclosure. They are now adding hundreds of dollars in attorneys fees to the balance! We have been given countless names, emails, phone extensions, no luck.

Last week, mom took what little funds she had in her retirement plan and walked into a BofA branch. Even they don't have anyone's name or phone number! We were in this office from 11 a.m. to 2:30 pm while the local agent for BofA tried to help us contact someone! We ended up with one woman on the other end of the line, supposedly a supervisor with authority yet refused to remove any of the additional fees because of "timing". They claim nothing she sent arrived "on time". They did admit they had and lost the cashiers check. Then she stated they just found it but sent it back on Sunday Oct. 17. To date (November 2), we have yet to received that.

Mom paid in cash directly through that bank branch, in person, $1,300 (I don't have exact figure in front of me at this time), which was the entire $808 plus the fees that they agreed would get the loan current, provided she also pay the $400 in addition, when the cashiers check arrived. It has never arrived and now they say they lost it again. Mom needs to put a stop payment on it. Mom's bank says that in 60 days, she can get those funds back. Then she can send them to BofA, again certified, etc.

In the meantime, BofA continues to proceed with a tax sale/foreclosure saying that it is "valid". She has now paid directly, the $1,300 (which as of today still has not been credited toward the loan amount). The $400 check from August that they did process and the $400 for the cashiers check that they lost!

We have googled Bank of America/foreclosure dept, etc. searching for contact information or help but instead have found many other horrific stories! There is even a blog so that others can try and share information among themselves such as how to actually speak with a real person! There are many stories of others in similar situations.

We have made countless phone calls and emails with no response. No one will follow up or attempt to do anything toward resolving all of this. But meanwhile, she gets weekly letters and phone calls from the BofA urging her to recalculate her loan! My mother is about to loose her job from spending so much time trying to make calls and faxes during business hours to resolve this. She also had a couple of sick days due to (what we thought was a stroke) but thank God, was only exhaustion and stress.

To date, Bank of America maintains that mom is in active foreclosure and deny any of her efforts to resolve the matter. They continue to avoid conversations, phone calls, payments! They lie and tack on fees! We cannot get any person to speak to us that seems to either know anything or be able to do anything! Someone needs to investigate these criminal business practices.

I hate to imagine how many other little old ladies who didn't have the energy and the "huevos" to stay on them have fared. Probably, they have lost their homes, their life time investments, yet, it continues.

Please someone needs to look into the real story of how BofA is conducting these foreclosures and honestly are preventing folks like my mother from being able to get their loan current. All of this for $808, technically $400. It is amazing to me that in the United State, this sort of business is actually going on! Thank you for your time and any interest or time that you may put into helping with this fraud on the part of Bank of America. We would be happy to provide any more info or details you may be interested in obtaining.

I was enrolled in BOA loan modification program in January 2010. Soon after the 3 months of trial was over, I kept calling BOA and they asked me to continue making trial payments since my case was still under review. In July 2010, they rejected my mortgage application saying that I have missing documents. I had sent them the set of documents for about 2-3 times. I appealed their decision and my case was reopened. Again, I was asked to continue making trial payments. In the meantime, I started getting letters of accelerate to foreclosure and collection calls. I called BOA loan modification department and they asked me to ignore the letters and continue making trial payments. I received foreclosure notice last week. I was really scared and surprised. When I called BOA about it, within 3 days, they rejected my loan modification application which was pending for 10 months.

All this time, I have been paying trial payments and have never missed even a single payment. BOA reported to credit companies as a delinquency and now, my credit score is down from 790 to 660. I feel that I have been screwed. They want all the money in the next 2 weeks now. I don't know what to do. They are going to foreclose my house.

Why BOA Mortgage dept. does not have offices where customers can talk to a representative in person? Why you cannot communicate by email with their customer reps? All customers have is a 1-800 phone and fax number, and every time you have a problem, you are limited to speak to a different person who has not the authority to help you or make the necessary changes even if BOA made a mistake on your account.

Under my mortgage agreement there is no escrow account. Since 2008, I am responsible for paying my property taxes and keeping my payments low. I paid all my taxes on time for 2008 and 2009. This year without any reason, BOA decided to pay my property taxes 10 days before the due date of Oct. 15. In addition, they set up an escrow account and raised my mortgage payments by $200.00. When I inquired about it, they could not tell me why they did it and they said that even if I pay the taxes, they paid in my behalf. They cannot assured me that they will remove the escrow account and keep my payments low.

BOA's abusive practices with its customers keeps going unpunished. A legal mortgage agreement is changed whenever they feel like. Who can help? Is the new consumer department, created by the new Wall Street/financial regulation law, going to help customers in the future?

My ex was awarded our house along with the two mortgages. I gave up my rights by signing a quit deed. He has been paying both mortgages late. Bank of America knows I'm not responsible for them. But they are charging this against my credit reports. I can afford to pay off the second mortgage and catch up the first one, but they won't refinance because of my credit. My credit is bad because of this. What do I do?!

In August 2009, we couldn't make the house payment and thought we could catch it up the following month. It turned out that my husband's hours got cut for the 2nd time. We contacted a 3rd party (Aria & Associates) to help us with a modification. I heard that individuals wouldn't get anywhere if they contacted their lender on their own because we didn't know what to say or what to ask. I didn't find out until December, when I received a foreclosure notice, that Aria & Associates didn't do anything for us except take our money. They told us that we didn't have to make a payment during their 3-month process. I contacted Bank of America in January 2010 for a modification.

Every time I called them, I was told to "call back in a week" and I would. Each time I called back I was told "your file is still in review, call back in 10 days". I'd give it 12. I was never asked to fax in current check stubs, financials or bank statements any time after the initial request. I had to fax them in on my own or ask them if they needed them. We ended up filing chapter 7 in February 2010. We eliminated over $40,000 in debt. I updated my financial situation with BOA. They never updated our financials. They kept telling us "you can't afford your house, we're transferring your loan to this dept, or that dept". I was never allowed to make a partial payment and we couldn't afford the $1200 a month payment.

From the beginning, I was asking them (in our hardship letter) to either take what we owe and add it to the end of our loan with a lower payment, or give us a brand new loan (start clean) and make it a 40-year loan to lower the payment. I never got to speak with anybody, nor with the negotiator assigned to our case. I always got "we'll email them and have them call you. it can take up to a week", nobody ever called me back. I always had to be the one to call in. Now, we're being told we can't be helped because we are over 12 payments past due and in order to qualify for HAMP, we have to be 12 or under. I feel it's BOA's fault we are in foreclosure because of how they have handled our loan since they received it from Taylor Bean & Whitaker back in August 2009. Sale date was November 4th, now it's December 7th, 2010.0

After being qualified for a mortgage that I never should have been able to get, the payment ended up being approx. 66% of my gross pay, but I got talked into believing I could do this. A few days after closing on my house, I received a letter stating that my loan had been sold to BAC.

Then the story changed and I was told that my house had to be on the market for 90 days prior to them even looking at my case, then after that point, it would be the 90-120 days.

In April 2010, I moved out of my house on April , 2010 and started paying rent for a small apartment. This takes me to the end of April 2010; the house was on the market for their now 'required' 90 days. I was told that my case was again 'in review', but a negotiator had not been assigned and I should hear something in the next few weeks.

The collection calls started on April 6. They started by calling a couple times a day and when I told them that that was harassment, I started to just not answer their calls. They started then calling every hour until I answered. Each time I talked to them I was asked the same questions: When will you be making a payment? What are your intentions with the house? Are you currently occupying the house? Is anyone living there? Of which, there was always the same answer. During this month I talked to someone 9 times for collections alone.

On 4/20, I called to check the status of my deed-in-lieu (DIL) and was told "there are people in worse cases than you" and my case was "still in review and it should be reviewed by tomorrow and call back". So I call back on 4/21 and was redirected to wrong departments twice then was told that they "had no knowledge of when it would be reviewed" & "we can only look at the notes".

On 4/26, I spoke to Mike in Home Retention Dept and was "disconnected". I called back and spoke to Ruthie who told me that a DIL can only be referred over the phone and went over all my financial information, listing of house, agent info, days on market and was again told 35 day lead time.

On 5/3, Ispoke to Sal and was told "it could take 90 days, but that's not guaranteed" and that he was sending me a DIL offer (still waiting on 11/1). Then the line went quiet and all I heard for 10 minutes was typing!

On 5/10, I called and was cut off 3 times before getting an actual person who did nothing more than pick up the phone and said "the system is down, call back" and hung up!

On 5/17, Vonda (collections) said that if arrears are not paid by 6/5 they will start foreclosure. I asked status of DIL and was again told that there was no one assigned to the case and it could take 90-120 days. On 5/20, Mel put me on hold while she checks to see who the negotiator is for the DIL. "Still assigning and should receive an email within 48 hours."

In June 2010, now any time I call, I automatically get transferred to the collections department! Robert said that it was due to my past due balance I was now a "priority caller". I was told that foreclosure would start on July 13, but "don't worry; at that time, everything will be reviewed".

On 6/22 Angela said that my case was "still under review" and a DIL "normally takes 30-45 days". She asked if I received notice of acceleration in June. I answered that I had.

On 6/23, I received a 'notice of assignment, sale, or transfer of ownership of mortgage loan'. When I called BAC, I was told that this was just due to their "changing the name of the division that services the mortgage loans". Michelle verified the property address then transferred me to home retention dept without even telling me she was transferring! On 6/29 LaToya looked at notes and didn't see anything new on the account re DIL.

This is July 2010: On 7/7 Duane said collection call is notating DIL in account notes then transferred me to Robin. I asked about DIL which was submitted by phone in May (per their info) as was told "that's just how it goes". On 7/7, Alan reviewed info and transferred me to Chris who said account is "not in foreclosure" On 7/13 Qadrina said there were no new notes, "still in review". On 7/20, Ashayla said she would put in an email to person working on DIL and I should get a call call "but may take 48 hours". On 7/21 - Justin, the DIL negotiator finally called, but said that he didn't have my listing agreement & was sending an email for a "few things that need to be reviewed" & "we'll go from there". I received email again asking for list of financial info along with check stubs.It continues on this track so..

Fast forward to October, (with many collection calls verifying address and whether property is occupied) I was told by Justin that I would have a final decision by Oct 18. I called him on 10/25 and was told that HUD was now requiring that "all accounts go try for short sale prior to DIL as of 2 weeks ago", but we can ask for exception for my case. I said that in the mean time, I was going to talk to an agent about the if the house was "sellable" in his opinion. I spoke to agent on 10/28 and arranged to meet him at the house (which I've been to about every week to check on) on 11/1 to show him the inside.

On 11/1, I arrived at house and found that all the locks had been changed! I was never notified and someone obviously went through at least the kitchen cabinets (What else did they think they had a right to go through?) I called BAC and was told that the locks were changed because "they wanted to make sure no one was living there" and that I had to call the "Escalation Dept" regarding the locks. I was told that dept was still open and I called the number given only to hear recording that they are closed.I have jumped through all the hoops and then some only to have BAC kick me through a few more! When will this nightmare end?!

I highly recommend to anyone that may be thinking of dealing with this bank to steer clear regardless of what their "pretty commercial" may say. They only have their bottom line in mind, and not dealing with people.

I had a loan mortgage and a checking account with Bank of America from 1996. Every month on the 28th, it was debited from my checking the amount of $1,083.09 as my mortgage rate. I struggled to make bigger payments. This month I was supposed to pay off my loan for a balance of $375.00 to be debited on 10/28/10. Instead of this, the loan department debited my checking for $1,083.09, leaving a red balance of over $675.00 and already $35.00 bank charges (which will multiply if I will not cover this minus).

I spent yesterday over 3 hours talking to 5 people and a manager at the loan department and no result. They have a credit balance there of $660, but they do not want to return it into my checking account from the same bank. I am stock! I don't know what to do because they are giving me different stories, putting me on hold for hours or disconnecting. I have a minus balance in my checking account. Every 5 days I will have penalties of $35. I am all stressed out and I get no help. I will never bank with Bank of America and I will go and complain every where I can, including all TV channels. Please help!

I am writing to your office with respect to my home mortgage account with Bank of America, account #. Ever since the merging from Countrywide to Bank of America I have been having problems with my account. They are as follows: On June 22, 2009, I had received a loan modification which increased my loan amount. I was told I did not qualify for any other plan Plan. So therefore, I accepted the modification. According to them receiving this modification would eliminate any late fees that had accumulated past due. It did not! I notified them that the late fees were still showing up on my account, and they had stated as soon as their documents are in order, which would be some time in November, they would fix the problem. Still as of today they remain on my account.

In August, I received a statement from BOA that they had added an escrow to my account, which never existed. I had always paid my taxes on my own, to keep my mortgage affordable. They stated this was done for not paying my taxes on time. Now mind you, my taxes were not due until October 30th. They had paid them on 10/22, leaving me negative in escrow. They did the same for County taxes, also paid before due, again same for homeowners. I called the company over and over until months later, I finally received a response, only after contacting the BBB.

problem out.

Later, I had fallen behind on payments due to being unemployed and I applied for assistance from PHFA. I qualified for assistance to cover past due payments. PHFA received a Reinstatement Agreement from BOA which I find out after all was done and said, was incorrect. They received the monies from PHFA and applied all the monies incorrectly, still leaving a negative balance. This reinstatement agreement had come from them, and it was incorrect.

My principal balance is constantly changing. No two records are the same. Monies was applied wrongly. Late fees were not removed.

I am requesting a full investigation into my account for their inaccuracies as stated above. No one is willing to sort these out within their company; they state their records are correct. This is not true. Thank you in advance for your time and understanding into this matter.

On March 20, 2010, I signed a contract for a condo that was being sold as a "short sale". We rushed to be in contract by April 30th for the tax credit. Which did not happen because BOA failed to respond in time.

Thank God, the deadline for the tax credit was extended to Sept. 30, however, because of BOA, we missed that deadline as well. BOA approved everything via e-mail and on the phone and all we needed was that information to be sent to my mortgage company on official documents. Repeated attempts by my real estate agent via e-mail and phone were constantly being ignored.

Needless to say because of BOA, I missed the tax credit deadline again. Now 8 months after, the fact we are still waiting on BOA. I just don't understand how the government creates a program to help the economy and banks are allowed to do whatever and whenever they feel like. I just don't get it. I understand that short sales take a longer, but to be ignored and treated as though you are nothing is really sad. It makes me question BOA and all its business practices. I think and investigation should be done to broaden the scope past mortgage issues. I missed out on the $8,000 tax credit offered for first time home buyers.

I made two mortgage payments to catch up (we were behind one month) due to only one income. I have since become employed full time. The two payments of $1900.00 each were mailed, one end of September and the other October 8, 2010. I then noticed the funds had not been taken out of my personal checking account, so I called Bank of America and was told they would not accept our payments at all because our house was in foreclosure and they would return both checks back to us immediately.

They said the only way we could "keep" our home was to send a certified check in the amount of $4400.00 due by October 18, 2010. We had to borrow the money, but we sent a certified check from PNC bank for that amount (overnight expressed it) and they received it on October 16, 2010 at 12:53 pm according to our tracking records. They agreed to set up a re-instatement plan with scheduled payments of $2698.99 due the 16th of every month thru April 2011, which we agreed upon.

We were told this was the only way we could keep our home. (We actually can't afford those payments, but we were going to try to send everything we had). So we agreed to the payment schedule verbally. As of October 26, 2010, I noticed a check was sent thru our personal checking account in the amount of $1900.00 from Bank of America (which was cashed).

Therefore, our account is in a negative balance of over $1,000.00 with insufficient funds adding up everyday. We had every dollar accounted for and they were not supposed to process the check. After having multiple phone calls with different representatives, we were told on October 27, 2010 that they have no record of receiving the certified check in the amount of $4400. PNC bank stated the check has not been cashed as of Oct. 27th.

As of today, October 28, 2010, we have no money in our personal checking account. We have no answers from Bank of America and our next scheduled payment of $2698.00 is due by November 16, 2010 and we don't know how we are going to pay it. We have sent Bank of America $6300.00 in the month of October and they don't have records to match that amount since they lost the certified check of $4400.

We are not able to pay other bills which were due. We have no money. I have an anxiety disorder which has become much worse because of this situation. We are afraid of losing our home. With every phone call from Bank of America, we were told we were going to lose our home. The mental anguish is getting unbearable and we don't know what to do.

My initial concerns were: I wanted to pay off my approximately 20,000.00 LOC and still have the 50,000.00 available and not pay any higher monthly payment than I pay now on my 1st mortgage. She assured me that if I went with BOA that I would be able to do this since BOA would be the holder of my 1st mortgage. My home was appraised at $295,000.00.

She emailed me the maximum amount of cash that I could get which was approximately $20,000.00 as well as paying off the LOC and assured me that I could keep the 50,000.00 LOC open. She also emailed the amount that I would be paying per month in 2 separate emails as well as stating it verbally to me on several occasions in our conversations.

My payment would be $1640.00 per month including taxes and insurance. I was told that the loan would close in 90 days. Several weeks later, I received an email from her stating that there was an error in her figures and that now I would only be able to get $8000.00 cash back.

I contacted her supervisor, Robin ** and relayed my disappointment with this news. A couple of days later, I received an email from Mindy ** stating that there was an error and that I would in fact be getting the initial amount that I was told. (approx 20,000.00). Of course I was relieved.

Several weeks went by and I received another email from Mindy ** stating that she needed to speak with me. I called her and she said, "I'm sorry but you won't be able to get the 20,000.00 amount now, unless we cut your LOC to 35,000.00."

On the closing cost worksheet, it said that my monthly payment including taxes and insurance would be $1558.66. I was disappointed but agreed to proceed.

Last week, I was informed that we were getting ready to close, so I asked if I could have my interest rate lowered. I was told to speak with Jacob **. I asked if he would reduce my interest rate to the current rate since my closing had been delayed and I had been through so many changes. At first, he became nasty and said, "Are you in the mortgage business because it sounds like you are telling me how to do my job?" I asked him to please understand my situation and he then changed his tone and agreed to lower my rate.

Last night was my closing. A notery came to my home and my husband looked over the settlement statement. He noticed that the monthly payment was $1913.00. I immediately called and emailed Edna **. She said that this was an error and the correct amount would be emailed to me by Lisa **.

I received the email and then asked Edna if this was correct and she said no. She then proceeded to try to figure out my monthly amount while I waited on the phone. The notery left. I asked her to please call me back when she figured it out. I then received a call from Lisa ** stating the the correct amount is $1746.87.

Frustrated and disappointed, I asked her for help as I could not afford this amount. She said that this has happened before and that she will contact Jacob ** and ask him to reduce the rate. This afternoon, I received an email from Jacob **. He stated that he apologized that some numbers by Mindy were transposed but that there was nothing that he could do.

I called him. I asked him for help and he said, "Why don't we just give you back the money that you paid for the appraisal and cancel the refinance." I told him that I had invested too much time into this and I just wanted some help. I don't want to cancel but I can't afford this monthly amount and he said, "Well then speak to Robin ** about it. "I later received a call from Mindy ** stating that we were only talking about a difference of $13.00. She assured me that she had gone over the figures and that my monthly payment would be $1653.00.

She emailed me a copy of the figures and also 2 more emails with the same figures from Edna ** and Lisa **. I looked at the emails and emailed her back apologizing and said that I would be ready to close. She called me back a while later stating that she made another error and that my monthly payment would be now be $1799.00. I just cried! I asked her how an institution as large as BOA could make this many mistakes.

I am so frustrated I don't know what to do. I am asking you to please make this right and lower my interest rate so that I can have the monthly payment that I was told I would have from the beginning. If you need a copy of any of the emails, I have all of them approximately 80.

In July 2010, BOA had me listed as delinquent in my mortgage payment. I called and spoke to a customer service representative who told me that my payment had been directed to some kind of holding account, but that she would transfer the money back to my mortgage account to reflect my July payment. She stated that she didn't know why it was in holding.

I continued to pay my mortgage on time. My August and September statements also reflected past due amounts that had not been paid, which according to BOA were for the months of July and August. I again spoke to several customer service representatives who had no clue where the money was located that I had paid. They all stated that there was no record of my payments that I had made in July and August. I explained that I had proof that the payments had been made through my BOA online checking account on time. I was given several phone numbers to call to speak to BOA consumer advocacy. I was finally told that only they could help me due to my request for a loan modification through NACA. I was first transferred to a "so-called" NACA agent whom I was told was part of the BOA NACA team. They stated that NACA was holding my monthly payments as part of the modification process, and that they would be held for three months while I was under review.

I thought it was strange, the service representative stated that it was the process when consumers choose to involve NACA. She transferred me to the BOA NACA agent who explained that he could only give the okay to release my money so that it could be allocated to my mortgage account, but that BOA were the only ones who could do the transfer. He transferred me back to a regular BOA representative who had no clue what I was talking about. After being given more numbers to call, which all of them directed me back to the same BOA customer service, I became frustrated and went to a BOA branch in Georgia where I do my banking. I spoke with a loan officer who decided that he would do his investigation to resolve the matter. He stated he would give me a call that early evening. I never heard from him. I called and left messages over the next few days with no response. I finally received a call from the BOA advocacy department.

The woman I spoke to explained that it was a procedural process to withhold three months of mortgage payments while I was under review for a modification. I explained that I desperately needed a modification, but I didn't want to be listed as delinquent due to my credit score, and frankly, I didn't trust them. She could not tell me if my credit would be affected, and could not explain why they had to hold my payments, and why they were labeling me as delinquent when they had received my money that I had paid on time. Again, I became frustrated because she didn't have the answers, and according to her, there was no one in position above her that she could connect me with.

I went on the BOA website to find contacts, such as the CEO, to file a formal complaint. I didn't find any contact other than the same customer service contact. I called NACA directly to speak to an agent. The agent expressed sympathy with what I was going through with BOA, but that there was not much they could do to help me on that end. They did suggest that I go to my NACA member site to post complaints with BOA and my legislatures. I went to my NACA site as recommended and found that BOA had posted that I was ineligible for the Federal HAMP program due to delinquency status of my mortgage account. This time they stated that the delinquency was greater than 12 months! As I am writing to you, I have since found the address to BOA CEO to file a complaint. I am also contacting my legislatures and the Attorney General. If anyone knows of any other organization or individual who can help my case, please post. It is ridiculous that a corporation can have this amount of power over our lives.

We've been going through the loan modification process for 19 months. It first started with a company called Greenleaf Modify who went out of business. They were bought up by a company called Mortgage Help who just closed their doors in September 2010. Our mortgage was through Countrywide when we started, but then was purchased by BofA, so we had to restart the loan modification.

This is absolutely insane. Each time we call BofA, we're told that's it's in review or has made it to the next level. How many levels are there and how long is this going to take? A decade? We've been asked for the same paperwork about 5 times. We've been told repeatedly that they didn't receive it, so now we mail it and fax it. I'm tired of the lies, inefficiencies and delays. I believe they're using this strategy to discourage people and have them eventually give up.

Well, guess what? We aren't going away. We have a second mortgage too, which was going through fine with Wells Fargo. They actually gave us a 3 month temporary reduction until BofA finalized the first mortgage. Since BofA didn't complete it in that time frame, Wells Fargo took away the temporary modification and the increased mortgage payment returned.

After we're done with BofA, we have to start all over again with Wells Fargo. This is ridiculous and insane. Why aren't financial institutions held accountable for completing this process within a reasonable time frame like the 3-6 months that they tell you in the first place? We've incurred more credit card debt due to unexpected car repairs. Our indebtedness continues to soar. We've been trying to assist two daughters through financial hardships due to divorces. Somebody please help us!

I got on their plan 52. If you pay weekly or by weekly, you can knock off 9 years on a 30-year mortgage. The first week they took out $50.00 too much. This added up to $300.00 extra and left me short on my bill money for the month. I called them about this and they told me they couldn't give me my money back, but they would correct the amount. The next month came and they didn't take out any money, which would put me behind on my mortgage.

They sent me a letter stating I was removed from the plan 52. I called them about this and they reassured me that I would be put back on the plan, but I had to send them a check for one month's payment and they would start taking out money every week. Now I'm a month ahead on my mortgage and they started taking out weekly payments. When I get my bank statement, they aren't taking out the right amount again. The amount they are taking out will not pay enough to make my mortgage payment. I think they are trying to put me behind on my payments so they can foreclose. I'm living in fear of losing my house because of their incompetence.

After five attempts to get my loan modification, it seems like white and black are not getting loan modifications. I see other nationalities receiving their loan modifications. I do have income to support my home, with making the home affordable. I am a Vietnam veteran. I receive retirement from the military and social security, and I am sixty three years old. My house is upside down. I have been waiting since February 2010 for a loan modifications. I have wrote to the CEO, Mr. Brian Moynihan. More games have been playing, looks like that the games are coming from the top.

I send in all my information. Bank of America lied to me and said they're going to send me a modification and waited until my home got further behind and said they can't do anything.

After 16 years of never been late on my mortgage payment, Bank of America put a negative report on Equifax for 3 days late on my payment. I didn't received a call or letter warning me of this action. I was on my finals and internship, I thought I paid it, but forgot. I went to customer service to see if they can remove the report, they said no, but they will send me a letter showing my 16 years of never missed a payment and this way they can help me with my credit.

I asked why they didn't looked at that before giving me a bad credit report. I received a letter from one of my Credit Card saying they will lower my limit due to the bad report, that by the way this how I find out about this report to the Credit Bureau by Bank of America. The person of customer service said that the bank with the credit card shouldn't take that step.I told him this is what Bank of America has done to me after 16 years of great credit and business

My wife had been ill and unable to work, causing us to struggle to make payments. We were instructed to miss a few payments, so that Bank of America could help us modify our loan. They told us our payment history was too good for help otherwise. After doing so, we then made too much money, 200.00 too much. No matter what figures we gave them, it was always 200.00 too much.

We went to a third party for negotiations and after spending 3000.00 with them, Bank of America found more ways to turn us down. After a while, we no longer made too much money, we had too much debt. We were forced into foreclosure. My wife has begun to work again, but we still lost our house. They told us they would let us keep our home, even though the payment had gone up $300 and we were told that if we maintained that payment for 6 months, they would consider a refinance. We couldn't make the original payment let alone one that was $300 more.

On October 6th, we lost our home. We are now renting 2 streets over from our family home. Because they were not willing to work with us, we will not be able to own our own home for many years to come. Both me and my wife are 50 years old. Each person we spoke with at BOA told us a different story and gave us different information. They waited us out so they could have our property back and resell it.

This just isn't right! We were willing to work with them, but our best interest was never a consideration. Consequently, they stole our home back from us. I don't know if we can ever recover from this. Bank of America should not be able to get away with this. It has been the same as robbery!

I have been dealing with BOA for over a year and half trying to finalize a modification due to job loss. I was told I was approved whew, then the ball dropped they called me today to tell me that no my loan was not approved and I should have gotten a letter telling me. She said my house value was lower than the loan amt owed which is crazy I just had appraised at $408k and I owe BOA $190k. She could tell me nothing else or what to do she basically told me call back and I better do something before I go into foreclosure. I have been making trial payments for all of this time, submitted paperwork over and over due to them loosing it. This is insane. Not sure what to do at this point and they don't seem to know either. What a mess.

We were given a modification thru countrywide that bac will not honor. They keep saying missing paperwork even though we sent everything from our local bac. They would send us forms with wrong fax and phone numbers and our local bank would call and get true working numbers. They have put us in several different mod programs but have never followed thru.

Now we are way behind even though we have made the payments they have told us to. Last week a girl told us all of our paperwork had been accidently shredded and we must start over. This has been going on for almost 2 years. They refuse to honor our agreement with cw even though we had done everything and had our agreement notarized and everything. Who do we call for help?

My mortgage loan was originally owned by Countrywide/aka Fannie Mae. I refinanced in July of 2007 at 8% with Countrywide. In August of 2008 I filed Chapter 13 in which under the new BK law I pay my mortgage separately and not to US Bankruptcy Court. I deferred a payment with Countrywide in August of 2008 of which I was only 1 month behind. In June of 2009 I received my first statement that I was to send future payments to BoA. Last year I paid principle/interest payment, minus escrow account payment for 5 months (escrow payment is $317.00/mo). I received a Motion for Relief letter from some attorney in Atlanta, representing BoA, who also sent to my BK lawyer and US BK Court that BoA wanted a total of 4,000+ bucks or they would foreclose. This also included the lawyer fee. I tried to get CW/BoA to return my calls to work this out but no one would call me back.

My BK lawyer worked with BoA's attorneys and they dropped the Motion for Relief. I have had no documented response from BoA/CW division on how I got 5 months behind. If they were counting the 1500+ escrow payment plus one deferred mortgage payment would have only equaled 3, not 5. For the last 5 months I have been waiting for a negotiator from BoA to modify this loan but I have not been assigned one as of yet. They want me to continue to fax updated income documents to them (which costs money) every 2 months but I have not been assigned a negotiator yet.

I have found out through the BK Department where I pay my payments that they now have a partial balance account and escrow account in which my escrow money is split up in these two accounts. Instead of my 317/mo going straight into my escrow account to pay for my taxes/insurance (which is more than enough for those two bills), they are keeping some of that money in the partial balance account to try to catch up my 5 back mortgage payments, which always leaves my escrow account in arrears. By agreement with me they have to pay my insurance/taxes but that puts my escrow payment always behind. My husband and I were not consulted about this; BoA just decided to do this so they can get their money, minus our permission. In the meantime I am calling weekly with still no negotiator assigned to my case. And, with BoA's major problems now, we will definitely be on the back burner for a good while.

Trying to deal with BAC is unreal. These people are blood suckers. I bought a house in 2007. When I bought it was financed thru taylor, whitaker and bean. I had a fixed rate of $789.31 for 30 years. Since BAC has it just about every month and house payment goes up and no one from CEO's to bank officers seems to know why. The problem I have now is I received a letter stating I owe $2,173 for 11/10. This is escrow they say but, can't explain why it is short.

In April I paid $2,730.00 to the escrow for money that they said taylor, whitaker and bean took when they went out of business. What the **? I really made myself sick worrying every when I go to the mailbox what buttons have they pushed this month. My escrow is figured into my house payments. I know that house insurance and property tax can go up yearly but, if my escrow is figured into every month then, why send me bills for one month for thousands of dollars for the escrow? I have went several times to my congressman to try to get answers but, I am always referred to call a CEO in Texas or Colorado or somewhere where a CEO can explain it to me and each one I talk to has a different answer and assures me my will not go any more. From $789.31, it is $911.00 a month.

I had newspaper articles where they it to countrywide and several people had told me watch out for them.

They don't care or thoroughly go over your papers. Really they are too busy confusing other people and have too many accounts to do without the correct personnel to do everyone. I am at my wits end and really do not where to go from here. Can someone help me before I miss a payment? I am a senior citizen and will probably never pay it off before I die I want to live where I am now. Then BAC can have it and maybe the next person to get this house can win this terrible war with them. Can someone somewhere help me?

I need you to help me with Bank of America please. They have misapplied my payments, falsely inflated my mortgage payments, and now, today, began harassing my parents. That is harassment; I am certain their ways are not news to you. But I need your help in getting them to reply, to correct my loan and to clear my name.

I have documents to show you. How can I get them to you? And can you recommend an agency that I can report them to? In my case, I paid and still I am fighting with BOA. What sense does that make? Please help me.

I have been a Bank of America customer for over 30 years now. That being said, the following is an outline of the events leading to up to the dilemma we now face. Our home mortgage was serviced through Countrywide home loans which as we all know is now B of A. In November of 2008, we spoke with a loan specialist at our local B of A branch about refinancing our home to possibly lower our interest rate. We were directed to try applying for a loan modification as advertised by B of A. I called the appropriate phone number to BAC home loan servicing LP and spoke with a representative there. She took some general information and said that we likely would qualify and the process would take about 90 days to complete, also that someone would be calling to gather more information.

A month went by and no call, I called back several times and finally got to talk to a person that took more information and said we would be receiving an application package in 7 to 10 days and that during the application period we were to make trial payments that were nearly 300 dollars less than our normal mortgage payment. The representative also noted that during this trial period, there would be a note on our credit reports that indicated a less than normal payment was being made.

The application package was sent to us via FedEx, which we filled out and returned promptly. A month went by with no notice or update about the status of our application to modify. Again, I called the BAC home loan servicing LP center and asked about our application. I was told they did not have an application from us in their records but they would send another one for us to fill out and return which we did, promptly. We repeated this process 5 times until May of 2009 when we received a letter from BAC home loan serving LP that stated they were unable to process our request for loan modification because they had not received the necessary application forms! (Side note: At this time our home/auto insurances had come due and because of the notation on our credit reporting from BAC home loan servicing LP, our insurance premiums increased by 300 dollars per month!)

I had to question where all of the forms that included much of our sensitive personal information were. In desperation, I sent emails and faxes to every B of A corporate person I could find an address for. One day later, I received phone calls and emails from B of A department heads and was given a phone number to a person that would be handling our modification. I called and spoke with that person, confirmed some of our information and was told I would receive notice of our modification status within a week which I did. I was told the modification was finalized with a new lower interest rate and monthly payment was now permanent, and that I would be receiving the new contract and payment coupons via mail.

We did receive the new contract, which we signed and returned, but no payment coupons. As there were no payment coupons to state how the payments were to be made or mailed to, I called once again to BAC home loan servicing LP to obtain this information. Which brings us to date, we have been mailing our mortgage payments to the location we were told (called a second time to confirm) as our online banking has not yet been corrected so that we may make the payments online. Additionally our online banking shows us delinquent. And now we are receiving notices by mail that we have not made our mortgage payments and are in danger of foreclosure. I have tried to call BAC home loan servicing LP to the same person that was handling our modification and was told our loan is being handled by someone else now and that person will call us.

We are still waiting. We can see where this is heading. We will lose our home and maybe after a year in court, we might get it straightened out but by then it will be too late. It is bad enough that we have lost any equity we had in our home because of the housing market collapse, but to add this dilemma on top of it. All things considered, we now understand why so many have chosen to just walk away, and now is the very thing that we must consider.

I have had a mortgage on our home with BOA for 5 years. I have never been late with payments and always paid extra on the principal. Since they sold my mortgage to this subsidiary, they have recorded my payment incorrectly in August, and have now had a machine collection call me at 9 pm on a Monday evening claiming my payment was short from the previous month. (It was not, and when I called customer service and explained to her that I paid early and extra according to the new payment booklet reflecting my lower city taxes, she offered to take my additional principal and put it into the escrow account instead, proving to me that she had no idea how mortgages work.)

When I called back two days later to confirm that this was taken care of correctly and my current payment was posted correctly, I asked to speak to a manager, and was put through to a voice mail after being on hold for ten minutes, although the service department assured me I would be speaking to a person. I am frustrated and would move my mortgage to another company, but my husband and I owe $20,000 more than the home is worth and cannot get refinanced at this time. (We already tried).

I am writing this letter out of pure frustration and desperation resulting from Bank of America's unethical practices with the hopes that you would be able to offer some sort of help or advice. I am a homeowner of a property that has been a part of some of the very same issues that you see in the news this fall. To briefly explain my situation, I was randomly sent an offer for the Making Homes Affordable program where I called immediately upon receipt to discuss specific details (what, what, when, where, why, how).

Per our discussion and agreement (with b of A), I sent in all the requested documents as requested and made all the trial payments of $1,330.48 as requested from November to June. I was expecting and was placed on bed rest from February to July. Fortunately, I still succeeded to make the payments as agreed until I received a letter in June advising that Bank of America was not going to modify my loan and was demanding more than $12,000. The letter stated that I was about 6 months past due and that because of my reduced income (even though it was temporary), they wouldn't be able to approve my modification.

That would have been fine, had they applied my payments accordingly, but they only applied it to the principle balance and not to all payment ledgers. They have my account reflecting as if i have never made a payment since October according to the past due payment amount/date ledger which is incorrect. My only request was for them to apply my payments of $1,330.48 to the past due amount/date ledger and then I will pay whatever was left over.

If you calculate $1330.48 x 6 = $9,313.36. My normal mortgage payment is about $1,78s/month. If you calculate $1,785 x 6 = $10,710. I am guessing that the $12,000+ amount included the $10,710 plus fees. Bank of America has refused to apply the total amount that I have paid over the past few months to the total past due amount. Bank of America has only applied it to my principle balance. Understand?

I have tried to call them again and again to no avail. I have called NACA and I have actually received calls from someone representing Bank of America's investors who wanted to find out more details about what was going on with my loan (investigation), to no avail. This is awful what they are doing because I actually have been paying and want to continue to pay but did not have $12,000+ that they said l owed and needed to pay to prevent foreclosure. I find that to be very unreasonable and unfair when all they had to do was apply all payments to all systems accordingly and I would be able to continue to pay. Now, the amount is up to $20k and they still have not applied the payments to the past due amount.

This could have been resolved by now before it grew to this large amount! Furthermore, this could be one less home in the foreclosure status. Last but not least, I, a single mother of two boys, who is willing and wanting to pay, should not have to deal with this mess. Please advise any options or avenues that I can take to get this resolved as soon as possible.

I had made an insurance claim for hail damage to my roof. My insurance agency issued my 3 checks with me, my husband and Bank of America as receivers. The first two checks I mailed to CA (as there is no local Bank of America reps.), they co-signed and returned. After the roof was repaired, final inspection passed and my contractor was paid, I was issued the third and final check for what they call depreciation.

I called Bank of America for addressing information and they looked up my account. The gentleman I spoke with gave me the address and a warning that this went over their "magical" $10,000 mark and that the company would probably want their own inspection to verify work was done, a release of lien claim form signed by my contractor and a form signed by me that the work was done. He also said they may just sign the check because I had never missed nor been late on any payments. He said mail the check and he would go ahead and fax me the forms and set up my inspection. He then gave me a confirmation number for the inspection. He said he was noting this on my account about the inspection etc.

I mailed the check and a cover letter priority mail. In that cover letter, I explained that the work was completed, inspected, passed and that the contractor was fully paid. If they had any questions they could call me and I left my number. Within 3 days, the inspection was done. I had the forms filled out signed and faxed to the number given. The next day my check showed up in the mail unsigned by Bank of America. It was sent back by regular mail which had taken 5 days from the postmarked date. Included with the check was a "form" letter that said I need to endorse the check and send it back along with the contractor's estimate and W9 form and that they would disperse the payment as work was completed and after Bank of America had inspected the work.

They did not acknowledge any of the previous contact with them regarding the work being completed. I called them today to question why they did not call and why I was sent this letter with the incorrect process. They read back to me what I was supposed to do. I then explained the history to this guy about what I had previously discussed with their department. He then changed tone and said they had not received the paperwork from me that was needed, that it takes at least 48 hours for faxed information to be transferred to my account info. and I then spoke to his supervisor.

She then acknowledged my previous conversation with their department and that they had sent the wrong information to me. I requested that they call me when they get their *** together and have all of the paperwork acknowledged and the inspection so that then I will mail the check. She said they do not call people, that it is up to me to follow up and call them. She said I could go ahead and endorse the check and send it for their endorsement. I said, no, that I will not have an endorsed check in the amount of $5400+ floating around in the mail. I will call and find out when they have all their ducks in a row so that I can mail the check in for endorsement.

I have never done anything to warrant bad judgment from a mortgage company and that I think it is unheard of that they will not call me back for anything. I will mail the check again in a day or so but if they do not sign and they send it back, should I go after the insurance agency to reissue the check in my name only if I can prove the work completed?

I was in the processing of refinancing my existing mortgage with Bank of America, close to closing in fact, when I was informed I had to pay "about $30.00" for a Disaster Assessment fee. Since this assessment fee was not on the original HUD Disclosure, I refused to pay it. In fact, this Disaster Assessment was new, only recently initiated well after I had started the refinancing process due to severe flooding and storm damage in my county which occurred during the summer. Had we closed in a timely manner (the closing took 6 months, not 90 days), this fee would never have been an issue. After some discussion with my Loan Officer, Scott ** and his manager Andrew **, Mr. ** agreed to credit me the $38.00 fee. However, when I closed, I had access to both the old and the revised HUD Settlement and discovered that I was "credited" $38.00 but Bank Of America increased their Principal Reduction Fee by $38.00 to recoup their loss.

The $38.00 is not a great economical loss to me but of course, money is of concern or I never would have agreed to refinance. I have 2 children in college. What troubles me is their blatant lying and the manipulation of HUD Settlement fees.

Our house has been up for sale since September of 2008. We had to move from our house in SC and relocate due to our employer (United Sates Air Force) moving us to NC April 2009. Since July of 2009, we have not been able to keep up with our mortgage on our house in SC so we had to stop paying. We have attempted many times Between July 2009 and April 2010 to try to have our mortgage adjusted or fixed to where we could afford to make the payments until we could sell our house without any luck. Our house has been up for sale since and we have only had two offers. One submitted in June 2010 for 140,000 and another submitted in July 2010 for 110,000.

We had called and asked for a status of our short sale and we were told that we had a negotiator assigned to our short sale on 13 July 2010 a Miss T. **. I had to call the short sale department to get good contact information for her and I could only get an email address and no phone number. I attempted to contact her via email and she never responded. On 24 July 2010, we got a letter stating that our short sale was unapproved for 140,000 and they wanted 145,000. The buyer terminated the contract because they could not go any higher.

The 110,000 offer was never submitted because if they won't approve 140,000 why would they approve 110,000? Also our debt for our second mortgage account is closed as a charge off with $2800 past due. Another question that I am trying to get the answer to is why BOA would not take the $140,000 when we only owed them $128,000? We decided that it would be in our best interest to file for a deed in lieu. On 22 September 2010, called BOA about deed in lieu. They told me it would be a 30 day process and that they would submit our information and would assign someone to us and we would hear from them. We never submitted any paperwork, signed anything or submitted our financial information to BOA.

On 30 September, we called and checked for a status with no one assigned. On 13 October 2010, I spoke to Cassandra, Short sale department and she said that if we had moved due to our employer moving us within the past 90 days, we would benefit from another program. I was then transferred to Home retention department and I spoke with a male about our issue with the house. He said that Victor ** was assigned to our loan for deed in lieu on the 4th of October and we were never notified. I was told to check back. I then asked if I could be given a contact number for the individual which was given to me.

I called this individual at the Deed in Lieu @542pm EST and he was not there. I left a message and have not received a call back yet. We have also tried to discuss our options with the short sale department about having DOD HAP benefits but it still does not get us anywhere. I called Mr. Victor on 14 October and left a message and again on the 18th of October. I am still trying almost on a daily basis but I am not getting anywhere.

I lost my job over a year ago. I had a first mortgage and a second, in an attempt to reduce my loan amounts. I decided to take the hit and cash in my 15k I.R.A. To pay off my second mortgage. Since I've never paid off a home loan, I called BoA and asked them how to proceed. I was directed to call in the morning to get the entire loan payoff, and then to wire that amount directly from my bank to theirs, in NYC, NY. Which I did! I asked for the loan payoff amount, and then went directly to my bank and wired them $11,676.81. And couldn't wait to get my statement showing a zero balance.

When it came however, I saw that there was a balance of $109.81! What's this? I called up the bank to ask and was put on hold a total of 5 times. Each time, I got a different young man with an Indian/Pakistani accent giving me a different story as to what that charge was. One even told me it was a late fee! When I finally got through to an English speaking person, I was told that this was back interest. Back interest? I asked for the payoff amount - wouldn't any interest that I owed be included in this?

Meanwhile, I start to get electronically dialed phone calls. I answered the phone, and a computer tells me to 'please hold'. Right. Then yesterday, I got a statement in the mail that says if I don't pay this $109.81, they are going to foreclose on my home. Please understand, it is not about the money - even though I am unemployed, I could easily send them the money. The point is, I asked for the loan payoff amount, cashed in my IRA, took a penalty to do it, and paid off my loan in its entirety.

I feel BoA is trying to milk this extra money out of me in an attempt to save their own shirts. They are doing it to all the 'little people'. I did the right thing here! I paid off my loan in full! How many rich people are out there with zillion dollar mortgages, who default on theirs? This is not right. I hope you will take this on and help me.Many thanks.

In May of 2010, I contacted Bank of America to make a partial payment on my mortgage. I was told that if I was having trouble making payments, that there may be a way to make a modification on my loan. I gave the customer support person numerous pieces of financial information that was asked for and she told me that it seemed that I would have no problem qualifying for a home loan modification. She sent out paperwork for me to fill out and return. I did so via FedEx. I contacted BOA several times over the next few weeks and was told that my paperwork had not been received. So, although I was told by BOA to wait for it to be received, I sent it again. This time, the paperwork was listed as received. I called numerous times over the next few months and was told by the first department I would speak with every time that I had documents missing.

However, each time I was transferred to the modification department, I was told that my information was complete. At this time, I was concerned because my home loan was already past due (I was told by BOA that in order to quality, that my loan had to be past due). Then, I received paperwork from an attorney's office in St. Louis stating that my home was in foreclosure. I immediately contacted BOA and they said that, "No, as long as you are going through the process for a home loan modification, your home cannot be foreclosed on."

As the sale date of my home came closer, I continued to call BOA regularly and was repeatedly told the same thing--as long as I was going through the home loan modification process. My home would not be sold. I called BOA again on 30 July 10 and was told the same thing (about the modification process). However, after being transferred to several different departments (due to my inquiry as to when my modification would be approved), I found out that my modification was denied and that my home would be sold on August 2nd.

I was never notified by BOA that my modification was denied. I then decided to call the attorney that was handling the foreclosure. They said that they had never been notified by BOA that I was going through a modification process--and that unless I came up with nearly $8,000 that day, my home would be sold out from underneath us on August 2nd.

In an absolute panic, I called my parents, and they agreed (hesitantly) to loan us the money. In disbelief at this point, I called BOA back (who once again informed me that my home would not be sold on August 2nd) and asked them how the money should be transferred to them. My mom spent her entire work day (she had to take the late morning/afternoon off) talking with BOA and her bank trying to get money sent to them. BOA refused to allow a check that was made out from her bank directly to BOA to be deposited into my account. BOA also denied an offer from her bank to wire the funds directly to BOA. My mother finally had to send the money through Western Union. Even though the money needed to be sent that day (and my mother sent the money via Western Union "quick collect"), it took BOA until August 2nd to list the money as received.

Since that time, I have asked BOA numerous times for an exact printout of where the nearly $8,000 went. How much of it was to the mortgage and how much of it was fees. it is October 19th and I still do not have the answer. I was told in September (when I called BOA to inquire because I now had an $800 credit on my account) and was told by one department that the money went to "fees" and another department that it was put into our escrow account.

Again, after several attempts to get someone to tell me how the money was spent, I still do not have a breakdown. I am horrified by our situation and am not only out nearly $8,000 but also hundreds of hours spent on the phone with BOA--getting hundreds of different answers from different people. Finally, when I call BOA to this day, they still show that we are in the process of a home loan modification (and were never denied as I was told on July 30th). There has to be someone who can help me! Please!

My husband and I started our refinance with Bank of America in May of 2010. We were supposed to finalize by July 3, 2010. This is now October 19th and we finally pulled our application. The entire process has been completely overwhelming. We supplied everything Bank of America needed within hours of them asking for it. They kept making excuses that they were so busy. Because of the timeline they had to pull our credit twice, and I had to supply several bank statements because they expired so many times. The paperwork was ridiculous. We thought because we had our current mortgage with them that this process would have been fairly easy. We had never made a late payment in the seven years we have been with them and both my husband's and my credit are great. I would never recommend Bank of America to anyone. Now, we have to start the process all over again with another more experienced bank and hopefully, this will be done. I will be filing complaints with the government agencies as well. The staff by the end of the process was also extremely rude to me like it was my fault this was taking so long. It was awful. I am so happy to have pulled our application.

I was approved to go to underwriting.

However, I was declined for a sale date extension for some arbitrary rule therefore, going ahead with a sale date of October 5, 2010. Does that make any sense? I was told it was at Fannie Mae for approval. However, BAC told me that the investor will not allow an extension of the sale date. Why would you arbitrarily do that after all this time? I am certain that I meet all of the financial requirements for Trial Payments and a consequent Loan Modification, if I can get an extension of the sale date of October 5, 2010. I have major medical issues of which wrote Mr. Ken ** about in 2009. Your office proceeded with my application, but with all of your related corporate restructuring, I am sure many like myself have slipped through the cracks.

In addition, BAC has been harassing me constantly in regards to homeowner's insurance and imposed a $7,600.00 windstorm policy because you neglected to timely notify me that you no longer carry Windstorm Policies (another communication impediment). I consequently purchased a policy for $900.00. However, BAC refused to credit my escrow account. I keep hearing on the news and from politicians that your bank is not really interested in helping those who are able and need help. It would seem nonsensical to go through all of these machinations, unless you are just biding time to get these delinquent accounts off of your books through foreclosure due to your Corporate Asset requirements which necessitate a certain financial assets which is not expedient vs bad assets. I would appreciate a sale date extension and an expeditious approval of my Loan Modification.

We purchased a house on August 2008 through Countrywide Home Loans. We were locked in an FHA 30-year loan. Within the first 6 months, Bank of America took over Countrywide. After living in the house for 6 months, we received a letter from BoA, telling us that our mortgage payment went from around $1800 to $2400 a month. I asked for reasons why, and I was told by BoA that it was taxes.

I sent BoA a copy of the tax bill, showing my taxes were reduced, but they insisted it was taxes. I continued to pay my original mortgage payment. After a month or so, I was told by BoA that they will not accept partial payments, and will begin foreclosure procedures if the payments were not caught up. I attempted to negotiate with them, and they sent me a modification which I was unable to do, since I did not have the up-front money $5,000.00, and a mortgage payment over $1,900.00.

Since then, I have been trying to short-sale the property (which is another nightmare). Even to this day, I was unable to get a straight answer for the increase in the mortgage payment.

My wife Debra and I are in fear of losing our home after struggling with Bank of America for a loan modification that we have qualified twice for over the past 12 plus months. We are waiting for final word of the status of our loan modification approval. We don't believe that B of A will grant it again after interfering again and again over the past year. Much has transpired over the last year and there are many important details; however, of the sake of your valuable time, I will include a few key points that indicate that Bank of America has intentionally interfered with our modification.

In short, we applied for and were immediately approved for the Making Home Affordable program. We were given three months probation with reduced payments to have been completed last January. We made all of our payments on time and maintained constant contact. In January, we were told that there was a backlog of MHA applicants. We told to continue making payments, and throughout the process, until the end of May, 2010. During the time that we waited for the final loan modification package, we were sent two packages from Radian Inc.--later finding out that Radian is not only the company that B of A shared our loan modification through, they are also the underwriter of our mortgage insurance.

This is where things took a turn for the worse after having our hopes up that our home would be saved. Not recognizing Radian, I called Bank of America to verify whether we should or should night sign documents from Radian. Bank of America (from bottom to top-level management) denied knowing who Radian is. A few B of A reps admitted that they were aware that Radian modifies loans of B of A. Radian had maintained that they not only commonly work with B of A loan modifications, B of A is one of Radian's largest clients.

We have gone through (for lack of a better word and with my apologies) hell over past year. B of A told us back in May--after being told all along that we were doing great in the program--that our Making Home Affordable load modification was terminated because we didn't respond to the two FedEx packages the B of A told us to ignore. I can't begin to explain the run-around, the attacks, the insults and the interference that we have endured dealing with B of A including an executive officer very high in the company (who also denied recognizing who Radian is).

Assuming that B of A continues to drag this out over the next 30 days as they have over the past 360-plus days, our home is up for sale on November 19th. We hope that B of A will come through in the next few days. What I am requesting is that someone addressed in this letter will contact Bank of America and put a hold on the sale of our home until our case is investigated. We are in better financial standing now, than when we were approved twice before a year ago.

The news of B of A's unethical behavior regarding prematurely foreclosing mortgages has prompted me to contact all of you. We have over $30K at stake and over 20 years of hard work to own a home at stake here. Please help us. Please acknowledge receipt of this letter, whether or not B of A was contacted, and their response. I was able to qualify for my first home mortgage through a VA loan that I earned having served my country for four years in the U.S. Marine Corps. I will lose it next month. My sincere thanks and appreciation for reading this letter.

I have applied for a modification back in Oct 2009. I just received permanent modification October 2010. The Issue is they added $30,000 to my principle which raised my payment two $200.00 more a month and they can't explain where it came from but it would take 60 to 90 days to answer, but gave me 28 days to sign the papers or it would all be null and void and could not redo the modification, and that if I sign the papers I could not argue about the $30,000, it would be a done deal.

Well, who in the world would just say Ok I will pay another $30,000, why can't they answer me. They said human errors happen but unfortunately the papers need to be signed and returned or they will foreclose on me. I have worked hard to own my own home, love our neighborhood kids in school and have never missed a payment, have made all loan modification payments never late and what gives them the right to make me wait a year then add $30,000 and not expect me to grieve that they have made a error yet not explain why.

Rip off, American dreams are not American anymore. I was fine with everything except the extra $30,000 with something that was suppose to be Government help with no charge help with no charge guess not and no one to help. Just great. Thank you bank of America for nothing.

Where do I begin? Well in November of 2008, I lost my job at Target where I was making approximately $60k a year which is very good for this area. We were devastated and I immediately applied for unemployment. I then contacted my bank and informed them of the situation and explained that I could send them about $1000 per month with my unemployment. At the time, my mortgage was around $1600. I asked them if they had any mod programs or assistance that would help me keep my house and I was told "No" that my $1000 per month was only going to prolong foreclosure.

I was told that my debt to income ratio didn't qualify me for any program. That was a no brainer-- I just lost my income. Anyway, so instead of paying a payment I paid off a bunch of our debt. I then contacted Bank of America once I had some significant debt paid and asked them the same questions. We went through the same routine conversation and question/answer period but this time they said I qualified. Oh and I also had a new job by this time, however, I was earning less money, much less. Nevertheless, they told me to send in a ton of paperwork, employment verification, a hardship letter, tax statements, the whole works. I sent it in for them.

During this time, they were working on putting together this forbearance payment for me, $828.66 per month for three months when it finally arrived. But during this time, I would consistently get letters stating that I didn't qualify now. They didn't get something from me they needed or they would send me a bill with a new higher payment amount. Each time I would call, I would get a different story from each representative.

So when it actually finally arrived, I made my three months payments as requested and then didn't hear a word from them. Approximately a month goes by, so my husband called them. Oh yes, they reassured him that the new modification would arrive in December. January shows up and we still haven't heard anything. Then we get a letter in the mail stating that we don't qualify and our new monthly payment is over $2000. That is over $400 more than our original mortgage payment. We could not afford it. So we called and again. We were given the runaround numerous times only to finally have them tell us our debt to income ratio was too high.

What? We didn't incur any new debt since we were qualified last time so what is the deal? We just threw our hands up and said forget it. We have tired for almost two years to work with the bank on an affordable mortgage payment and now our house is in the foreclosure process with a sale date of November 29th 2010. So we started selling our things. We stopped putting money into the home for fixing stuff and we started packing and looking for new homes. And now what? The bank sends us a new affordable plan out of the blue and are willing for work with us all of a sudden. Why now? Why after we have tried for so long? Why after we sell our possessions? We wanted to keep our home and they played games with us for so long and now that we have gotten rid of our personal belongings and our preparing to move, they pull this.

I have sold a large amount of our belongings knowing we have to downsize at dirt cheap and sometime free just to get rid of them so we have room. We have been on an emotional rollercoaster with BofA from all the games and false promises. I don't know what to do and I don't trust this bank. We have three days to follow through with their new plan and I am in no position in three days to send them all this money and nor do I trust them. I am so angry and I want to talk to an attorney or get legal advice. I don't think the bank is honest with me when I called. I am afraid to send money now until someone that knows the logistics and legal side of things can negotiate. Please help.

My husband and I sold our home in Bridgewater, MA in 2002. We had a 2nd mortgage for a car payment that was paid off in 2005. The Plymouth Registry of Deeds clearly shows that Bank of America was paid and the loan was "discharged" in 2005. Bank of America has continued to collect the money. And now, the interest is up to $700. What should I do? I am worried this will negatively affect our credit rating.

Bank of America erroneously threw my mortgage into foreclosure due entirely to its own errors and internal blunders. I filed a complaint on June 14, 2010, against Bank of America to both the Comptroller of the Currency, Administrator of National Banks (Case # **); and the State Attorney Generals Office for the State of North Carolina (File # **).

Rather that admit to yet another mistake in a seemingly endless line of blunders, Bank of America has elected to lie about facts and obscure reality. In its response, dated September 2, 2010, Bank of America acknowledges that it made mistakes regarding me and my mortgage. But it is claiming that when it threw my house into foreclosure, this was not yet another blunder. This was a deliberate action, and it threw my mortgage into foreclosure because of $200 in erroneous fees that were the result of further blunders on the part of Bank of America fees that Bank of America would concede were wrong and would erase.

My mortgage balance was about $314,000. All monthly payments in the amount of $2658.13 were current. My mortgage was, and remains, in good standing and current on all payments. The fees in question represent less than one-half of one percent of the balance on a loan. As ridiculous as its argument is, BofA's argument is a lie. Bank of America had already mistakenly thrown my mortgage into foreclosure a month before it made any claim to these fees.

It does not matter how Bank of America tries to spin reality, Bank of America screwed up and threw my mortgage into foreclosure as the loan remained in good standing and was current on all payments. By the admission of Bank of Americas own employees, my mortgage should have never been in foreclosure proceedings. Yet Bank of America refuses to acknowledge this blunder, and refuses to properly fix its mistake and also refuses to respond to my inquiries about my pending loan modification application.

I have 2 loans from Bank of America. I have been trying to modify the higher loan since January of 2010. I only learned 10 months later what a scam the modification process is. Bank of America put me on a trial payment for 10 months and was dragging me along in order to tell me that they are giving me a deal. Here is the deal: spread out my loan to a 40 mortgage in order to lower my payments by $300 a month. Now, any reasonable person would say that is not a deal at all.

During the 10 months, Bank of America basically dragged on this process. Only after 8 months, they told me that my un-employment is not considered a source of income. It took them 7 months to actually assign a negotiator to tell me. Before that, I was transferred from person to person and told to call back in a week, and that they were working on my file. After calling them on a weekly basis, they told me only after 6 months who my negotiator is. Up until then, they basically jerked me around.

So now, my credit history is ruined because they are stating that I owe them $10,000.00 because I defaulted on paying them (meanwhile this was the trial payment). So, I can forget about refinancing. They really could have told me this at the beginning that I do not qualify for a modification. Then, I would have gone from there. But now no bank wants to deal with me.

Once I started researching this online, I realized I was scammed just like the rest of the people that are reporting to Consumer Affairs. Basically, Bank of America is doing this to all their lenders that need help and want to modify their loan. They have them in a spot where they can't go anywhere else. Bank of America received billions of dollars from the government in order to help people who have financial problems. But instead, they hired the best lawyers in order to figure out how to screw us over legally. I feel like I have been taken advantage by the biggest bully there is.

My wife Cynthia and I found a home that we wanted badly to purchase. I got our loan approval letter to give to our agent. We signed a contract for a 30 day escrow on 08/09/2010.

On 08/30/2010, we received the big stack of loan papers to sign and send back. In the mean time, we have paid $315 for the inspection and $605 for the appraisal. Which by the way was a disaster in itself. That will be another complaint I would like to discuss. Our closing date was to be on 09/15/2010. It was on 09/20/2010 that we found out the appraisal was done with errors to the tune of us bringing more money to closing for the difference in comps he picked. (like I said, this is another complaint in itself).

Well I said, we have not been late on anything. Well, are you sitting, on Feb 4, 2008, Columbia house said that I had not paid for a DVD. It just went into "Collections" in mid 2010.

I never received any correspondence from Columbia House or the Collection Co, Trident, ever! My wife tried for another few weeks to find a way to buy her Dream House, with no luck. On October 13th, we had to let the house go! My wife is having Post Tramatic Stress Disorder over it. Oh, did I mention our B of A lender, Roland **, quit his job at B of A because none of his loans were going through. B of A ran my credit 5 times in this period. 5 times and it took that long for them to figure out there was a problem, come on!

Do not, I repeat, do not ever use Bank of America as your mortgage lender. Strong words, of course, but only mild to the frustration I have in using this company for my mortgage refinance. The specifics: I have a 840 credit score. My property has been appraised over the 80% loan to value ratio. I am asking for no dollars back. live in a very nice part of town, no foreclosures or vacant property etc. This is a refi. No brainer. So I thought. I have applied for this loan April 30, 2010, and this thing has not been completed as we approach November.

When I say not completed, I mean just that. I have not been denied the loan. They just cannot seem to finish the paperwork. Every month, a different person comes in as the white knight with an attempt to save the day and nothing ever gets done. I have sent them my paystub on four different occasions, have resubmitted various paper work over and over. It is now approaching seven months in this application process. They have my original $400 and if I cancel, will charge me another 400 for the appraisal. So I have been trying to see this thing though. But I believe I am at the end of the line. Please be warned. Look elsewhere.

I refinanced an existing loan for 20 years from an interest only loan on a 2nd home. I was approved for a 20 year loan at the same monthly payment I am currently paying and waiting for additional information, when I got a call that required additional paperwork. I got a call out of nowhere asking for more proof of income because now my payment was over 20% higher than the approved loan.

I did all that was required and have had nothing but a runaround by this organization. What should I do next?

It been more than a year when my wife got layoff from her work. So, I called BOA for a request for a loan modification. It took 45 working days for application. So I waited and 45 days went by no application. I called it again and waited another 45 days. By the time I got it, was in April. I completed the application and fax it back. Called every other week for update and constantly fax stuff back that was claimed missing.

So I called them back. They told me to sell the house or short sale the house. Is this legal for a mortgage co. to say thing like this? Where do I go from here? Please help.

I called to make my July trial payment for the Making Homes Affordable program and was told that I was not in the program. On July 8th, I received a letter from Bank of America stating that I called on March 30th to deny the modification, which I did not do. My loan was then sent for a second look. On July 27th, I received a modification via FedEx that included a new mortgage payment much larger than my original. I called my negotiator, Corinthians **, 4 times. However, I never received a return call. On August 27th, after one month waiting for a return phone call, I filed a complaint with the Better Business Bureau. (Case number **).

I also filed an appeal to be reconsidered for the Making Homes Affordable Program. On September 2nd, in response to my complaint to the BBB, I received a call from Ms. Tarica **, Office of the President. Ms. ** stated that she was the advocate assigned to my case. Ms. ** also let me know that my appeal had been accepted and my new negotiator would call within 24-48 hours. On September 9th I had not received a call from my new negotiator. I called Ms. ** who stated that the underwriter would call me next week. Ms. ** then admitted to the numerous errors pertaining to my loan. Ms. Brown stated that she would look into getting my credit fixed, as Bank of America had reported my loan as past due for the months of May, June and July. Furthermore, Ms. ** stated that she had put a block on my account to ensure no further credit reporting would be made.

I then spoke to the underwriter of my loan, Mr. Jesse **. Mr. ** asked for additional documents, which were promptly sent. On September 22nd, Mr. ** called personally to let me know that my appeal for the Making Homes Affordable Plan had been denied due to the increase in my finances. Mr. ** also stated that he had sent my loan for a second look. On September 30th, I received a letter stating that my application for the work out plan had been denied due to failure to submit required documents by the specified due date. I called to speak to my advocate in the Office of the President, Ms. **. Ms. ** was unavailable. However, a representative sent her an email asking her to contact me as soon as possible. I was transferred to my negotiator Ms. Lanesha **. She stated that she wasn't sure about the letter.

However, she was seeing that I was approved for a modification on September 27th. She told me that she had to speak to her manager, and would call me right back. On October 4th, I received a return call from Ms.**. She stated the reason I was denied was that the documents were supposed to be submitted by September 9th, and mine were late. I informed Ms. ** that I had been in direct contact with the underwriter, and that my documents were most certainly not late. Ms. ** stated that she would have to speak to her manager again. I also attempted to contact Ms. ** in the Office of the President. Again, Ms. ** cannot be reached. The representative stated that my account was no longer flagged to be directed to that particular office. Another email was sent. On October 4th, Ms. ** returned my phone call, more than one month of emails later.

She stated that because I had a negotiator, she was no longer involved. I informed Ms. ** that my complaint had not been resolved. I explained that I was sent a letter stating an incorrect reason for being denied. I had now been denied twice for the Making Homes Affordable Modification and given 4 different reasons as to why. I also asked Ms. ** why my account was continuing to be reported to the credit companies as past due, as she had stated, on September 9th that she had put a block on.

Furthermore, I asked Ms. ** why she had failed to research my request for a letter to be sent to the credit companies stating that Bank of America had incorrectly reported my loan as past due. Ms. ** stated that she was putting a block on my account again. She also said she would research my account to resolve the ongoing credit issue. Ms. Brown stated that she would call me back with answers no later than Wednesday October 8th. On October 8th, I called to speak to Ms. **. However, she was unavailable. Another email was sent asking her to contact me. I then called Ms. ** who stated that she was not the negotiator for this loan. However, it looks like it was denied.

I informed Ms. ** that I was told by the Office of the President that she had been assigned as negotiator for the second look modification loan that I was applying for. She stated that she had no idea. Ms. ** said she had tried to call the underwriter. However, she had an incorrect phone number. I gave her the correct number again. Ms. ** then stated that the denial for the second look was out of her hands. I let Ms. ** know that I was concerned. I had been given another false reason for my denial, and that I was upset she didn't know that she was assigned to help negotiate my loan.

I placed my home in Northglenn, CO for sale in Dec 2009. By Jan 2010, there were two offers. It was for a short sale as I had gone through a divorce and couldn't find a renter.

By May 2010, they had yet to make a decision to accept an offer or make a counteroffer etc. although my realtor and I completed all of the information they requested within 24 hrs. Both buyers pulled out. Again, the house was open for offers. By June there was another offer. It took them another 2 months to approve the offer and close on the sale. Again, I had all that they requested to them within 24 hrs, including completing my financial statements, explaining why selling home etc. on at least 3 different occasions. They kept saying it was lost or needed updated because it was "old." The house continued to sit vacant and my credit showed me in arrears for over a year, although I was prudent about getting it sold quickly and had cooperated with them in every way.

I contacted BOA a year and a half ago to refinance my home when rates first were really low. They said they didn't have time to refinance my home because they were overwhelmed and I wasn't behind on payments so I wasn't a priority. I was recently diagnosed with an autoimmune disease and called BOA to refinance again since money is getting tight. They looked at values of places around mine and said immediately that my loan to value wasn't eligible for a refinance unless I paid $17,000 up front. I have a Fannie Mae loan but they told me that going through BOA was a better option because I would have to pay more to refinance through the Fannie Mae program.

BOA decided to transfer me to a loan modification department but once I was finally transferred, I was right back to where I was the first time with the refinance people. After looking into programs, the Loan to Value ratio can't be more than 105%. Mine was 107%. Fannie Mae will allow up to a 125% Lone to Value. I am currently looking into other banks who want to work with me. I never have been a fan of BOA since I was in college and got a credit card with a $2500 limit through them. Within 4 years I had a $23,000 limit on that card. They seem to want to set people up for failure.

We have 2 first and 1 second mortgage on our home and a rental home. BOA keeps losing our payments. They get sent in together, separate checks for each loan and yet 1, 2, or all 3 get lost and it takes several weeks to get it figured out. They finally figure out they have them but have to go back and research by check number, amount, date. It's unbelievable, the amount of time we spend on this mess. We have tried to set up auto draft for all payments but it works on one and not the others, then suddenly on none of them. We call and no one can answer the questions. They pass us around because we were Countrywide customers and claim the Countrywide loans are handled differently. They should be fined for what they do to customers.

I entered in a Bank of America modification program back in March, 2010 and was qualified. I went through all the paperwork. I was on a 3-month trial period: April, May and June of 2010. Bank of America said they will contact me when the new mortgage amount will be in effect. During the trial period, I was paying the modified amount of $677.61, my regular mortgage amount was $924.38. This trial period went on for 6 months, then I called Bank of America for an update. All I got from them was a negative answer. A couple of weeks later, I called again and again just to hear negative answers until the last time I called, they told me that the modification was declined. I asked why and they would not give me a straight answer why.

Shortly after they told me this, I got an Act 91 notice of foreclosure. It said my mortgage is in default and they will foreclose on my property if I don't pay the amount of $2,651.83 in 30 days. I have no idea why I owe this money. I feel that I was set up for some unjust reason. I called them about this and numerous people from Bank of America told me to continue to pay the modification amount, which is $677.61 and also told me I was still in the trial period. Now, I'm confused. I never missed a payment during the trial period and I still make my mortgage payments on time, but the foreclosure is still in effect and is very official. I did everything they wanted me to do from the start. I feel like I was trapped into this unfair program just to get money from me and make things worst for me. I thought this Obama program was to help people and not make things worst for people like myself. Thank you.

My argument with the bank is how can they allow appraisers to use foreclosures for comps. Where is it in writing that they must use home sales within 90 days when all that has sold are foreclosures? The loan officer told me that not only do they go by FHA guidelines, the bank also has guidelines. "Again, I want to see it in writing that they can only use sales within 90 days even if they are foreclosures."

Every person with any kind of common sense knows that these foreclosed homes are being sold for much less than what they are worth ranging anywhere from 50K to 100K. Why are these banks allowed to continue to ** the consumer with these foreclosed homes? When does Congress step in and put guidelines in place protecting home owners that are being affected by the banks foreclosures?

Not only are the banks to blame for putting buyers in homes that they couldn't afford, now they are driving market values down even more. Did I mention the appraiser that came to our home was "contracted out" by Landsafe Appraisals that is owned by Bank of America? If every consumer writes to Congress and pushes for action to be taken, perhaps in the near future our home values will start rising again instead of consistenly declining. When do we say "enough is enough"?

I'm getting the runaround from Bank of America (formerly Countrywide). I have always been on time with my mortgage. In 2009, my hours of employment were cut and my income was drastically decreased. I didn't have any other means to pay my mortgage so I fell behind on mortgage.

I called ahead to let them know, said there was nothing they could do as we were current. Well, now that I'm over 6 months behind in payments, they are now threatening foreclosure. I have spoken to them on numerous occasions and they have never offered me any assistance. I was working with a BOA representative along with a counselor from the Home owners help line, "HOPE". Finally in June, BOA said that I may qualify for the Making Home Affordable Plan, and would get the Packet out to us. I called back July, still no packet, they would resubmit. I've called every two weeks since and here we are, beginning of September and still no paperwork. I keep getting the runaround.

I did get an acceleration letter stating I had to cure the loan by September or they would start foreclosure. I called them and asked if I could speak with the foreclosure department and ask them to process my modification paperwork because they seem able to get paperwork out pretty quick. I was assured that my home wouldn't go into foreclosure since we are in workout status.

What workout? We haven't received anything. This is a joke, and it frustrates me beyond belief that these banks took all this bailout money and monies specifically to be used to help homeowners and only a small % of people have even been helped. I believe in Obama, and I believe he had the best intentions with the home affordability plan, but the banks are doing everything possible to drag their feet and hold on to the money. I bet the banks are earning interest on these monies; they have no rush to let go of any of it. Our loan is also USDA guaranteed, so even if it forecloses, they are guaranteed their money, they have no incentive to help us. This is ridiculous, and is so sad. I live in a subdivision surrounded by empty, foreclosed homes. They would be better off helping homeowners keep the homes, keeping the values of the homes up.

I'm getting the run-around from Bank of America (formerly Countrywide). I have always been on time with my mortgage. In 2009, my hours of employment were cut and my income was drastically decreased. I didn't have any other means to pay my mortgage so I fell behind on mortgage. I called ahead to let them know and they said there was nothing they could do as we were current. Well, now that I'm over 6 months behind in payments, now they are threatening foreclosure. I have spoken to them on numerous occasions and they have never offered me any assistance. I was working with a BOA representative along with a counselor from the Home Owners Help Line "HOPE". Finally, in June, BOA said that I may qualify for the Making Home Affordable Plan, and would get the packet out to us. I called back in July, still no packet.

They would resubmit. I've called every two weeks since and here we are beginning of September and still no paperwork. I keep getting the run-around. I did get an acceleration letter stating I had to cure the loan by September or they would start foreclosure. I called them and asked if I could speak with the foreclosure department and ask them to process my modification paperwork because they seem able to get paperwork out pretty quick. I was assured that my home wouldn't go into foreclosure since we are in workout status. What workout? We haven't received anything. This is a joke, and it frustrates me beyond belief that these banks took all this bailout money and monies specifically to be used to help homeowners and only a small percent of people have even been helped.

I believe in Obama, and I believe he had the best intentions with the home affordability plan, but the banks are doing everything possible to drag their feet and hold on to the money. I bet the banks are earning interest on these monies. They have no rush to let go of any of it. Our loan is also USDA guaranteed, so even if it forecloses, they are guaranteed their money; they have no incentive to help us. This is ridiculous, and is so sad. I live in a subdivision surrounded by empty, foreclosed homes. They would be better off helping homeowners keep the homes than keeping the values of the homes up.

I contacted them about using their HARP Loan program to refinance my house. They are my current loan servicer and they refused. My loan falls within the 125% of value guideline, but they said they will not do over 105% of the loan value. I found the whole program misleading and a way to collect application fees.

I have borrowed the mortgage from BOA to purchase a townhouse in Hollywood, Florida. This TH development was only 95% undersold, but I was unaware of it and moved in on 11/2007. Only three more townhomes were occupied in whole development, all others were empty and staying empty as of now. I have to go to foreclosure because I do not want stay in empty development and my complaint is how Bank of America did not follow the guidelines, due diligence and granted the mortgage on the severely undersold development and forcing me to loose my retirement saving on the downpayment and now possibly, I have to face a deficiency judgement.

I lost $217000.00 on the initial downpayment plus $40000.00 in payments over the year, $4500.00 attorney fees on foreclosure and other legal issues in the 3 years since I closed on this home plus moving expenses of $3000.00, all documented.

Bank of America's making homes affordable program is a complete scam! Do not believe their website that says they want to assist you during financial hardship. Do not believe you can qualify for the government funding program to reduce your mortgage to 31% of your gross income. Do not believe, this is a simple 5-step process that will only take 60 to 90 days. After dealing with them for over 1 1/2 years (May 2009- Oct. 2010), they finally offered me a 5.5% interest rate from 6.375%. Sounds like a refinance to me, right? Oh no, because if I refinanced under normal circumstances, my rate would only be 4.375%. But I can't refinance because my property value vs. mortgage balance doesn't meet their 86% ratio requirement.

Who are they trying to kid? The fact is they are providing their customers under financial hardship worse rates and options than other customers. Yes, they do have the right to do this, but don't advertise that you care! I wish I had never heard of Bank of America and I will never do business with them again.

I was contacted by Bank of America Home Loan Servicing, LP that my current mortgage is past due for the months September/October 2010. On October 1, 2010, I went to the Beltsville, MD Bank of America Branch with receipts verifying September 2010 mortgage payment and made October 2010 payment, which I also received receipt for this payment. This allegation of our mortgage payment being late started last year October 2009.

I immediately contacted representatives of BAC Home Loan Servicing, LP from October 2009 to December 2009 that their records were inaccurate, and after a lengthy process, I was able to send documentation to show that the banks information was incorrect. In February of this year, BAC alleged that my January 2010 payment was late and have incurred a late fee of $67.74, which was later reimbursed when receipts were provided that bank information was incorrect.

I went through the Bank of America Modification Program and when I got approved with the trial period payments, they had a gross income higher than the actual monthly gross income. I told them that was incorrect and that I have proof that the documents that were sent to them had a difference of $300.00. Therefore, my trial payments will be lower than $1,000.00. They told me that I had to re-apply again and that it would take another 7 months. I told them how is that possible if I indicated the correct gross salary, they did not help me at all, instead they harassed me that they would take my home away from me. A home that I built with all my hard work with me and my boys, being that I am a single parent with no help of the father. How is that possible?

I applied for loan modification in December 2009 after numerous requests for additional information (which was sent at the beginning) they declined me for one signature missing. They never indicated it was missing. No phone calls to explain no communication unless I kept calling and still didn't tell me why they wanted the same paper. I just kept faxing the same one. For 10 months they have been the hardest thing to deal with. They denied me one time for something but I got that reversed because they didn't give me 30 days, but I had done what they wanted and after several phones they found it. I am very upset with the way they handles this.

Bank of America just bought my mortgage from First Franklin. When I went to pay my monthly payment extra fees were added on. I need to know who I can ask to go over my loan so I am not being overcharged.

On 1/09, we started our process of re-modification with Bank of America Mortgage. After numerous phone calls and hurdles (faxing literally 100's of documents), they came back with an offer of giving us another loan to pay back the amount we were behind on our mortgage causing our monthly payment to increase by $175.00 per month, not reduce it, so we turned that down. After numerous attempts to renegotiate another option, we were told by an employee of Bank of America that we should start mowing lawns to make up the difference. We could not believe what we were hearing. Instead of losing our cool, we told this person if there were lawns to mow in our neck of the woods, we would.

We decided to cool off for a few days and attempted another try at the modification process and called the Bank of America team again. They told us to wait and that Obama's help for the homeowner program will be our better option. So we did for two months, no one ever contacted us so we contacted them. They told us that we still do not qualify. No matter what's the circumstance, we are never going to qualify. I asked them what is the qualifying determination and they said that we take your current income which has been reduced due to the economy, your current debt ratio and your household bills then, we factor in your current mortgage. That's when I stopped them and said if we are having trouble paying our current mortgage, why would that be a factor? They said that is how we calculate a modification. Then I knew that there was no way we would qualify under those guidelines.

They said "you better get ready for a move then". So I came back to them and said "how about an interest only loan for 3 years which would be about $825.00 month?". At least they would still be making money on the mortgage. They said that it is not an option. After being defeated, we kept track of the foreclosure process on our house and when we realized that they will be locking us out, we moved into a rental for $850.00 month and we have been there since 8/1/09, over a year without ever missing a payment. We have never been late on our credit cards or any payments at all. One credit card was issued from Bank of America. Also, I have been an account holder at Bank of America for 28 years, so I thought they would work with me. I thought wrong.

The Bank of America Home Modification Loan is all a front just to make it look like the bank is helping people in the President of the United States' eyes. I get the run around, different people telling me to do different things. I was never late and am now behind and have bad credit because we followed their directions. Don't get scammed.

I am not one who files law suits or complains about anything, however, Bank of America home loans has put me in a bad situation.

A Bank of America employee contacted me in January of 2010 and solicited a loan modification by telling me if my finances are tight, I should apply for a modification called Making homes affordable. The Rep told me if I qualified, my payment would immediately go down hundreds of dollars pending a permanent modification. I asked two questions; (1) Will it affect my credit? (2) What happens with the money I save if the modification is denied?

I was told this was President Obama's government program and it would not affect my credit. I was also told money saved during the trial modification process would be added to the back end of my loan if it was denied. Due to being a Furloughed state employee, I applied to try and get a better interest rate. My payment was reduced from $2644.00 to $2073.00 during this "Trial period".

Within 10 days of applying, I got a letter from B of A stating my credit rating had dramatically changed and they were reducing my credit card limits down to the amount owed. This made it appear that all of my credit cards were maxed out and took my credit away.

I called B of A and asked what's going on and was told, "Nothing", that they were re-evaluating all customers, which was a lie. I then received a package that requested multiple documents and applications for the modification. I filled them out and returned them. After (3) months of not hearing from B of A, I called and requested a status update. I was again asked to fax bank statements and a profit and loss from my small farm. I faxed the documents the same day they were requested. Three more months go by, and I receive a letter from B of A denying my modification due to not providing documents requested.

I called B of A and they stated they never received my fax from (3) months prior. They also stated they attempted to contact me multiple times by home phone, cell phone and my work. I stated that I had the fax confirmation for the documents they requested and was told they don't care. I informed them I carry a cell phone 24/7 for work and have never been called.

I informed them I have an online bank with them and they could have contacted me via email or online and have never received any correspondence. I informed them that my Office is staffed with clerical 8-5 every day. As I continued to get the run around with multiple people and phone numbers, (Often being transferred back and forth from the departments I had just talked too) I filed an appeal with B of A, relaying to them the above information. The appeal was denied and the modification was denied.

On October 3, 2010, I received a registered letter from B of A that I had to pick up at the post office. It was a Notice of acceleration on my home. The notice stated if I didn't pay close to $3,000.00, I saved over the last (6) months (Roughly $500 a month for 6 months during the trial period of modification), they were starting the foreclosure process.

1. I was given bad information by a B of A employee during the January 2010 call. I would not apply for anything that would hurt my credit as I am 38 years old and have never had a late payment on anything.

2. I provided information they say they didn't receive even though I could prove to them they received it.

3. I was denied the modification and they are reporting late payments on my credit even though I have made every trial payment they have told me to make.

4. They want me to pay the money back within 2 weeks or they are calling my loan due.

I went to the Bank of America Branch in Redding CA and spoke to the Manager and provided him my documentation. He made several calls and got the same poor results even though he agreed this was pretty bad business.

It feels as though the bank is trying to force me out of my house which doesn't make sense as it is over $100,000.00 upside down! I am a Furloughed state employee that if barely squeaking by and If my morals were poor, I would walk out. However, I believe that my wife and I took out a loan and I intend to pay it back. Not only that, but we love our home. A bank employee got me into this mess and I feel as though they need to fix my credit and put the money owed on to the back end of the loan as I was originally told. Thank you.

I was in the process of modifying my mortgage. I called them at least two times a week. They were telling me that I was being looked into for being modified on a trial basis. Then I received a letter stating that they will foreclose on Sept. 23, 2010. I immediately called the bank. They said, "Okay, we will have that day postponed. Call back a week before Sept. 23, 2010." I called and they said yes it was postponed. Well, guess what, they foreclosed on me and did not even notify me that I had ten days to redeem my property which I would have done.

First of all, my husband, Michael, lost his job with an automobile industry due to no fault of his own. The company he was working for for 17 years filed bankruptcy when the big three went under, causing hundreds of their employees to be without a job suddenly. This happened in February of 2008. Five months earlier, we had just purchased a new home.

The neighborhood we moved from had grown increasingly violent. With gun shots being fired constantly, prostitutes walking up and down the street daily, as well as street fights at all times of the night and drug dealers selling drugs all day everyday. We have three children and we wanted a safe and better life for them. We found a home that we truly love and was able to move into it. Sadly, my husband lost his job a few months later.

We tried to continue making payments to our mortgage company which was Taylor, Bean & Whitaker at that time. We had no idea that our mortgage had been bought out to Bank Of America. We didn't find this out until we contacted Taylor, Bean & Whitaker to inquire about having our payment lowered only to find out that they were no longer in business. We were instructed to send our payments to Bank of America. We don't even know how long Bank of America had our mortgage because we had never received any mortgage statements from them. Well, I decided to contact Bank of America to see if there was any way our mortgage could be lowered because our finances had been cut drastically.

Well, after speaking with someone from Bank of America a few weeks later we received a mortgage statement to begin making payments to them. Well, I had already informed the representative of our unfortunate circumstance but we were told to borrow the money from family or friends or better yet sell our home. This was so hurtful because for one, we had just moved into our home that we love and had not even been there a year. And here we were being told to sell our home or borrow the money, which we had already done for a while until we just couldn't borrow anymore.

Well, needless to say, we continued to try and make our payments even sacrificing giving our van back to the dealership we bought it from and my other sacrifices just to try and keep our home. Back in February of this year, my husband, Michael, myself, a counselor from FHA housing counseling, an attorney for BOA, Trott & Trott P.C. and a representative from BOA had a meeting. We could no longer afford the payment so we applied for a modification, which at the meeting, we were approved for.

We were told that we didn't qualify for our mortgage to be lowered, which we didn't understand because my husband had lost his job so we thought we would qualify. I've been at my job for almost seven years and my husband is currently participating in the no worker left behind program, which allows him to go to college and learn a new trade that is being funded by the government, still receiving unemployment, while still actively seeking employment.

The job rate is very low in Michigan. Hardly no jobs here. Well anyway, we asked why we didn't qualify for a lower mortgage and we were told that we were already at 31% for some crap that we still don't understand because according to the Obama modification, we're qualified. Well, the rep. at BOA told us that we could start repaying the mortgage because at this point, we had stopped making payments.We could no longer afford the payment. We agreed because we wanted to keep our home. We were told that we would be receiving a package from BOA through FedEx in three to four weeks. Well, that time went past and we never received the packet.

I contacted our counselor from the FHA housing committee, Kathy *** (xxx) xxx-xxxx. I informed her that we hadn't received anything from BOA yet. She told me that she would contact them to find out the status of our paperwork. A few days later, she called us back and told us that BOA was behind in paperwork because of all of the modifications that was being done and to just be patient.

Okay, well, my husband decided to contact BOA himself about two weeks later. He was told by one of the reps. that because we never responded back with the paperwork (that we never received) that the case had been closed. My husband informed the rep. that we never received the paperwork. He then asked if the paperwork could be sent again. The rep. told him to fax all of our information that we had already sent to them previously again. My husband asked him why we had to send it again and he was told that because of the time lapsed in response, 30 days, this was the procedure.

Well, I faxed the paperwork from my job and received confirmation that it went through okay. My husband and I waited two weeks later and still no response so he decided to call BOA again while I decided to contact our housing counselor again, being told the same thing to just wait. We've spoken to several different people from BOA. No one ever seems to know what's going on. We've sent BOA everything that they've asked for and we keep getting the runaround. We don't know what else to do because we've sent our information to them five times through our housing counselor and BOA's attorneys, the mail and through fax from my job.

We've even contacted our own attorney at prepaid legal, Powers & Chapman P.C. Our attorney told us there was nothing they could do for us unless we receive any type of letter about a sheriffs sale of our home or a notice to accelerate foreclosure proceedings on our home then we are to contact them immediately.

Well, last week, Oct. 7, 2010, we received a letter from BOA's attorneys, Trott & Trott P.C. requesting the same paperwork that I had just previously given to BOA again! Not to mention I had taken the paperwork to our housing counselor and she emailed the documents to Trott & Trott P.C. Also in the mail was a letter from them stating intent to accelerate on the foreclosure of our home.

Of course, this scared the crap out of us because not only had we sent BOA everything that they had asked for every single time (5 times) but we cooperated with them fully even when every time we contacted them, no one knew what was going on. It's like there is no communication within the company and that's causing a lot of people to lose their homes unfortunately. We really don't understand with all of the complaints about the sames problems with BOA nothing seems to be done about it.

Thousands of families are losing their homes when they don't have to. Sometimes things happen to families that we have no control over. Like my husband as well as thousands of other people losing their job. We bought a home that we could afford at that time because of our income together. Later, unfortunately, my husband lost his job. All we're asking from BOA is to lower our payment that is affordable for us. In our situation, we really don't have anyone speaking up for us on our behalf.

I've written a letter to the Federal Trade Commission, The Better Business Bureau and The Attorney General. All of them are looking into all of the complaints and because there are so many about BOA they don't know when they'll get back with us. In the meantime, we don't know if we're going to have a home in a few months and right now all we're doing is hoping and praying to God that someone see our letters and come to our aide immediately as well as the other families that are in the same situation as we are.

We really don't understand how all of these banks got all of this money and are not being held accountable for how or where the money has gone to. If the money was supposed to be used to help homeowners stay in their home, why are there so many still losing their homes everyday? Why isn't President Obama or the Attorney General or better yet the FBI investigating all of these banks? It's so unfortunate that homeowners have no say over who buys their mortgage. It's like we're being physically, mentally and emotionally raped by BOA!

Please if there's anybody out there that could help us please contact us asap. Thank you for providing a website for us to voice our concerns as well as our complaints about a company we feel has been getting away with doing families wrong for way to long. Hopefully, a stop will be put to not just BOA but to every bank and company that is costing families not just their homes but their self respect and dignity as well. Maybe if they were put in the same situation as us, they would be more sympathetic and compassionate towards all of us.

I guess it takes a person to have a heart to care about other people. The love of money is the root to all evil. All of these people that are doing the bank's dirty work will find out in the end that what you do to others will be done to you in one form or another. God sees everything and believe me when you do wrong to people, it does come back on you. I've witnessed it myself.

BOA as well as these other banks don't have a conscience. When they do wrong to all of us but when bad things start happening to them they will think back on the wrong that they've done and all of these families that they cost them their homes. I just pray that justice will prevail soon for all of us that have been a victim. One day, we will be victorious and these banks will fall eventually. I know the God that I serve and He has never failed me.

Your bank is not living up to the code of ethics you posted on your website. As your customer with my mortgage, your agents have been giving me inconsistent information, misleading information, conflicting information and have failed to provide my permanent loan modification as you promised by accepting the TARP funds from the taxpayers. I thought one of your core values was to do the right thing: "We have the responsibility to do the right thing for our customers, shareholders, communities, and one another."

My last email to you was on Sept. 30, 2010. Since then, I received a letter from Rodney ** from the office of the CEO and President. It was dated Sept. 24, 2010. It appears that Mr. ** attempted to summarize the my ordeal with Bank of America's loan modification program. I was just wondering why my complaint was answered by both Marcus ** and now Rodney **, both saying different things. Rodney also had some inaccuracies in his letter. In particular, he stated that I received missing documents letters on March 11, 2010, May 11, 2010, and June 2, 2010.

I never received any such letters and would ask that you reproduce them and send to me. Also, the other glaring error was that he stated that I did not receive a Notice to Accelerate. I have the copy of the Notice to Accelerate in my files, and would be happy to send you a copy. To add to the confusion, I was told to contact both Suzanne ** and Mary ** as my workout negotiators. I have now called Suzanne and Mary, and they did not returned my calls. Yesterday, I received a call from a Sarah **. requesting more documents. She stated she was from a Florida office. She is not the person that was mentioned in my recent letters from your office. Then I received a FedEx letter requesting more documents, which were totally different that what Sarah ** was requesting.

I have now faxed my sensitive tax documents to God know where, and California and Texas, and now I am to send them to Florida? Your code of ethics states that you will protect sensitive information, but I have never received any kind of acknowledgment that my faxes were received. Per your code of ethics, "Keeping your information secure is one of our most important responsibilities. We safeguard your Social Security Number and other personal and financial information. Plus, we give you many choices in how your information is shared and used." I haven't been given any choices on how my information is used and shared.

I believe Bank of America is deliberately trying to deceive and confuse its customers. No one should have to go through two years of this! I have been a good customer and have always paid my payments, but still you are reporting me late, when I have abide by your trial modification contract. Your bank was one of the culprits in this mortgage mess, by your secularization of the loans and attempts to sell credit default swaps to make even more profits. Profit rules over ethics with your bank. I was deceived and told that this modification would not hurt my credit score which was 750 when I started this ordeal.

Now you have told me 2 different representatives are my workout negotiators just in the last month alone. Then I receive a call yesterday from Sarah **. Who is she? So now I have 3 workout negotiators? I think your institution made out pretty well with the TARP funds. Your stock immediately went up and you reported record profits. You are really not trying to modify loans, but are acting in bad faith, with no intention of helping customers modify their loans. I never would have started this agonizing process if I had known what I was in for! You are trying to force people to give up and walk away. You are one of the culprits who caused this housing crisis, and now you are perpetuating it and ruining communities and neighborhoods, even foreclosing without the proper documents, all in the name of profits.

I have asked for two years just to have one representative to work with, and now I have three people saying different things. I want to keep my house and make my payments and do the right thing. I am 65 years old and starting a second career. Brian, why can't you do the right thing?

I have Chase for my mortgage company. Over a year ago, I applied for a loan modification. I was two months behind. My husband is a self employed contractor and business is very slow. Chase told me to pay one month that I was late with, to go online and fill out paper work and send it in and start paying $750 a month for three months and that I would be approved. My normal payment is $923. Three months went by and I got a letter of intent to foreclose.

So I called and asked why I got that letter and a gentleman told me that it was normal to get those letters. I asked why haven't I received any paperwork to sign and he said that everything was okay. He said to continue my payments and resend in all my paperwork to update records. So I did, another three months the same thing. And another three months gain. This went on for a year.

So about one month ago, I called because of another letter of intent to foreclose and I was told I needed more paper work and I sent it in, And two weeks, I called again to find out what is going on and they told me I was denied for lack of paperwork. I was also told my home was up for short sale. I said I never put my home up for sale. They said, "Well, we have an offer for $150,000 and we are negotiating with a buyer."

I asked who put it up for sale and how did this happen. They said there are no notes on how or who put it up for sale but it is. Then I had to get it off of short sale and explained that I sent in every piece of paperwork they ever wanted. She told me it was entered in to the computer incorrectly and that she fixed it. She then told me in order to reapply for the hardship program, I would have to pay $4600 that was owed on the account.

I said I only owe that money because I have been waiting for a response on my hardship. I was only one month behind when I started paying the new a month. I got hit with $200 a month for a year, penalties, late fees and so on. They also said I was denied in June and that the letter is in the mail. Mind you, it is now October and I have never received one once of paperwork from Chase ever. I filed chapter 7 two weeks ago but not for my mortgage and now I in a different compartmental together. I don't know what to do. No one will help. When I asked for all my paperwork on this process, they just changed the subject. They will not help and don't want to.

I have been trying to refinance for one year. I am on an ARM and my interest is 6.75,my monthly mortgage is $3,100 interest only. My mortgage initially was with Countrywide which was transferred to Bank of America. I am single and have been employed with the same law firm for 15 years. My credit score is rated "very good". I have never missed a credit payment.

I bought my property in 2004 and built my own home. Over the past 6 years I have never been late or defaulted on a mortgage payment. I also pay my bills on time. Obviously i have never declared bankruptcy. My mortgage is a jumbo at 535K. My home is appraised at $775K. I have 275K equity. In 2009, the economy crashed. I lost 70% of my investment funds that I had for a financial safety net. In the second half of 2009, my income dropped 45% to my base salary. I was very grateful to still have my job unlike many who became unemployed. Previously, my gross yearly income was between $92-100K (base salary 60K). I tried to refinance to lower my mortgage payment, but it was impossible to do so with one income that had been reduced by 45%. This was the sole reason I was unable to refinance, not because of any credit problem. I used what was left of my shattered investment funds to pay off credit cards and supplement my income.

It became apparent that although the economic effect of the market crash is improving, trickle down is slow and my income has not yet returned to prior levels. With back-up funds depleted, I applied for the Home Loan Modification Program through Bank of America in April 2010. I received an unsigned form letter about 1 month later stating I would be contacted within 30 days. That was in May. Thereafter, I received nothing unless I called an impossible 800 number. I then received the same unsigned form letter stating I would be contacted within 30 days.

This went on for 6 months, unsigned form letter after unsigned form letter. While waiting for a response from B of A, it became difficult making my mortgage payment. I called the bank and told them I would now have to try to access my 401K retirement fund, which is extremely difficult. I told them I would have to pretend a medical hardship to access any funds. I was told my file would be expedited. The 401K administrator told me it was egregious practice for any mortgage holder or bank to knowingly delay action that will cause a homeowner to early withdraw funds with penalties from a 401k retirement account. I also understand that it is unethical and a conflict of interest for B of A to withhold refinancing in this market.

I finally received a letter from the bank in September stating that I didn't qualify for home affordable, based on their inability to create "their definition" of an affordable payment equal to 30% of my income. B of A is using a percentage allowed for mortgage payment which is lower than other mortgage lenders that allow 35% mortgage to income ratio. B of A is moving in the wrong direction. Do they really think this is helping homeowners refinance, really? It's mathematically obvious that the bank doesn't make as much money on lower interest rates. I did not say they don't make any money. I said they don't make "as much" money. And that, is conflict of interest and blatant greed.

The fact that I have 250K equity in my home is normally viewed as a plus for refinancing, but not to B of A. In their view it's a plus for the bank (not the homeowner) to just send your file to "imminent foreclosure" which they stated in the last letter, or in the alternative to offer the option to "short sell" to them, as also mentioned in the last letter. And that, is coercion, conspiracy and theft.

Believe me, Band of America has no interest in helping. If they did, they would have been flexible with the mortgage ratio ratio and offered one of the innumerable lower rate terms available. But then, that would actually be helping, and B of A does not want to help homeowners, they want to help themselves, literally. Ant that, is gross negligence and fraud.

B of A is administering this program but has and continues to foreclose in record numbers. The modifications they have made proportionately is minimal at best. More like a token amount to stay under the radar and avoid scrutiny.As far as the length of time the process takes, the unsigned form letter states you will receive a response "within 30 days". That's just a big lie. It took me 7 months to get a negative still unsigned form letter, and I had to call constantly. I truly believe that if I had not called, I would have never heard from them.

I have visions of stacks and stacks of unopened mail in a huge warehouse and a couple of people sitting around smoking and shopping on the internet doing absolutely nothing, until they get a message that someone called in, and then they just send out another unsigned form letter. Does B of A really think that a homeowner who has lost their job and savings can actually wait 6 months to a year to get their mortgage modified? Is that really what they think? Really? Is that what Obama really thinks, really? And that, is misrepresentation, fraud, and gross negligence.

Face it, B of A never intended to help anyone! In the name of greed, they are using unconscionable, unethical, reprehensible and illegal banking practices to administer a program designed to help responsible homeowners keep their homes. Their idea of help is to send desperate, in some instances, homeowners, unsigned form letters.

Clearly, Bank of America's intention is if possible, to delay any action until homeowners are forced into foreclosure. For Band of America, it appears that the "relief" program is considered as a source of revenue. From the beginning, they have blatantly victimized homeowners in an obvious attempt to route as many as possible to foreclosure. I guess no one recalls BofA's self serving history. And what about the elephant in the room that no one notices, the conflict of interest with Bank of America being the mortgage lender? Unfortunately, BofA seriously lacks any ethical parameters, moral integrity and accountability with respect to administering this program. I understand a bank is not a person, but its administrators and officers are and they know what's going on - homeowners have become victims not only of the economy, but also of the bank. And that, is conspiracy with regard to all torts and malfeasance.

Please let me know if the above described is what President Obama had in mind in conceiving the Home Affordable Modification Program. Respectfully submitted

I have been trying to refinance for one year. I am on an ARM and my interest is 6.75; my monthly mortgage is $3,100 interest only. My mortgage initially was with Countrywide which was transferred to Bank of America. I am single and have been employed with the same law firm for 15 years. My credit score is rated "very good". I have never missed a credit payment.

I bought my property in 2004 and built my own home. Over the past 6 years, I have never been late or defaulted on a mortgage payment. I also pay my bills on time. Obviously, I have never declared bankruptcy. My mortgage is a jumbo at 535K. My home is appraised at $775K. I have 275K equity. In 2009, the economy crashed. I lost 70% of my investment funds that I had for a financial safety net. In the second half of 2009, my income dropped 45% to my base salary. I was very grateful to still have my job unlike many who became unemployed.

Previously, my gross yearly income was between $92-100K (base salary 60K). I tried to refinance to lower my mortgage payment, but it was impossible to do so with one income that had been reduced by 45%. This was the sole reason I was unable to refinance, not because of any credit problem. I used what was left of my shattered investment funds to pay off credit cards and supplement my income.

It became apparent that although the economic effect of the market crash is improving, trickle down is slow and my income has not yet returned to prior levels. With back-up funds depleted, I applied for the Home Loan Modification Program through Bank of America in April 2010. I received an unsigned form letter about 1 month later stating I would be contacted within 30 days. That was in May. Thereafter I received nothing unless I called an impossible 800 number. I then received the same unsigned form letter stating I would be contacted within 30 days.

This went on for 6 months. Unsigned form letter after unsigned form letter. While waiting for a response from B of A, it became difficult making my mortgage payment. I called the bank and told them I would now have to try to access my 401K retirement fund, which is extremely difficult. I told them I would have to pretend a medical hardship to access any funds. I was told my file would be expedited. The 401K administrator told me it was egregious practice for any mortgage holder or bank to knowingly delay action that will cause a homeowner to early withdraw funds with penalties from a 401k retirement account. I also understand that it is unethical and a conflict of interest for B of A to withhold refinancing in this market.

I finally received a letter from the bank in September stating that I didn't qualify for home affordable, based on their inability to create "their definition" of an affordable payment equal to 30% of my income. B of A is using a percentage allowed for mortgage payment which is lower than other mortgage lenders that allow 35% mortgage to income ratio. B of A is moving in the wrong direction. Do they really think this is helping homeowners refinance, really? It's mathematically obvious that the bank doesn't make as much money on lower interest rates. I did not say they don't make any money. I said they don't make "as much" money. And that, is conflict of interest and blatant greed.

The fact that I have 250K equity in my home is normally viewed as a plus for refinancing, but not to B of A. In their view it's a plus for the bank (not the homeowner) to just send your file to "imminent foreclosure" which they stated in the last letter, or in the alternative to offer the option to "short sell" to them, as also mentioned in the last letter. And that is coercion, conspiracy and theft.

Believe me, Band of America has no interest in helping. If they did, they would have been flexible with the mortgage ratio ratio and offered one of the innumerable lower rate terms available. But then, that would actually be helping, and B of A does not want to help homeowners, they want to help themselves, literally. And that, is gross negligence and fraud.

B of A is administering this program but has and continues to foreclose in record numbers. The modifications they have made proportionately is minimal at best. More like a token amount to stay under the radar and avoid scrutiny.

As far as the length of time the process takes, the unsigned form letter states you will receive a response "within 30 days". That's just a big lie. It took me 7 months to get a negative still unsigned form letter, and I had to call constantly. I truly believe that if I had not called, I would have never heard from them. I have visions of stacks and stacks of unopened mail in a huge warehouse and a couple of people sitting around smoking and shopping on the internet doing absolutely nothing, until they get a message that someone called in, and then they just send out another unsigned form letter. Does B of A really think that a homeowner who has lost their job and savings can actually wait 6 months to a year to get their mortgage modified? Is that really what they think? Really? Is that what Obama really thinks.....really? And that, is misrepresentation, fraud, and gross negligence.

Face it, B of A never intended to help anyone! In the name of greed, they are using unconscionable, unethical, reprehensible and illegal banking practices to administer a program designed to help responsible homeowners keep their homes. Their idea of help is to send desperate, in some instances, homeowners, unsigned form letters.

Clearly, Bank of America's intention is if possible, to delay any action until homeowners are forced into foreclosure. For Band of America, it appears that the "relief" program is considered as a source of revenue. From the beginning, they have blatantly victimized homeowners in an obvious attempt to route as many as possible to foreclosure. I guess no one recalls BofA's self serving history. And what about the elephant in the room that no one notices, the conflict of interest with Bank of America being the mortgage lender? Unfortunately, BofA seriously lacks any ethical parameters, moral integrity and accountability with respect to administering this program.

I understand a bank is not a person, but its administrators and officers are and they know what's going on. Homeowners have become victims not only of the economy, but also of the bank. And that, is conspiracy with regard to all torts and malfeasance. Please let me know if the above described is what President Obama had in mind in conceiving the Home Affordable Modification Program. Respectfully submitted.

I was forced to take a pay-cut at work in order to keep my job. I also went through a divorce. Because of these situations, income has been reduced. I have been trying to get a loan modification from BOA since September 25, 2009. Today is October 7, 2010. When I first contacted BOA, I was told to fax a hardship letter, pay stubs, bank statements and a tax return. That info was faxed on 9/29/09. I had to call every month after that and kept getting transferred from customer service to Home Retention Dept to Eminent Default Dept. I would also get disconnected repeatedly and would have to call back.

BOA finally sent me an application in March. I completed and sent back all requested info. After two months of not hearing from them, I called. I was informed that more info was needed. However, no one from BOA contacted me, nor did I receive anything in writing requesting the additional information. Again, I faxed the additional info.

In June 2010, I received two more applications. Once again, I completed those and sent them in. I spoke with BOA on 8/27/10 and was told my application went to the underwriter on 7/31/10 and I would hear something within 30-45 days. In the mean time, my insurance company cancelled my home owner's insurance. BOA contacted my insurance company and told them my home was vacant. This is not true. I am still living in the house. I had to jump through hoops to get the insurance reinstated. All three applications to BOA stated that the home was owner occupied. BOA did not inspect my home to see if it was vacant. I called BOA on 10/1/10 and was told the modification can take longer than 45 days. Does anyone there know what they are doing?

I receive robo calls daily (approximately for two months now) telling us to call the number listed above. I do not have a mortgage and have no business with them. You cannot get to talk to them unless you give an account number (which I do not have) or your Social Security number. Is there any way you can get these calls to cease? It is a nuisance and is now becoming harassment.

Bank of America is causing unnecessary foreclosures across America and let me tell you how. The story begins about one and a half years ago. On December 2008, my husband got hurt on the job and now has permanent knee injury and work restrictions. It has been hard for him to find work ever since. In April 2009, we filed for a loan modification with what was then our mortgage company, Countrywide, but they sold it to Bank of America.

On July 2009, Bank of America gave us a reduced payment plan for six months and said that they would modify what was past due after the payment introductory period. On January 2010, we called to see about the loan modification and they said that they would send us a FedEx package in the mail regarding the loan modification and to keep making the reduced monthly payments. On February 2010, no package came. We called them and they told us to still keep making the reduced payments and to wait for the FedEx package for the loan to be modified.

On March 2010, same thing happened. On April 2010, we called again, but this time, we asked to speak to a supervisor. At that time, they said that because all of our pay stubs, hardship letter, etc. was too old, we had to start the process all over again. We did what they told us to do. If they would've just told us from the beginning that they couldn't help, we would've borrowed the $4K we were past due from our $401K and then tried to refinance our mortgage to lower our payments and to help our situation.

But now, after a year and a half of being ** around, our account is past due in excess of $16,000 and they have started foreclosure proceedings with a sale date of November 29th. Still, they have not let us know if they can modify the loan or not. We know that loan modification is not a guarantee but the way Bank of America has handled our account is just ridiculous. Please help us or tell President ** how Bank of America doesn't know what they're doing and how they're causing more problems than helping with this foreclosure crisis.

I am a responsible, middle class American that got laid off from my job last December and am still unemployed. I am 43 years old and up to that time, did not miss one payment on any obligation. I had perfect credit and was very scared. I contacted Bank of America on December 1, 2009 to discuss what my options would be and they in turn told me that I should qualify for the Federal Making Homes Affordable program aimed at protecting people just like me--responsible and wanting to do the right thing.

In March, I was put on the Trial Payment program, decreasing my payment by $800 per month. After going on the trial payments, I realized that my credit was getting destroyed. I spoke to a BOA representative that said, "Don't worry, once the modification is complete, we can go back and fix all credit problems caused by you being on a Trial Payment."

In May, I was contacted by an underwriter who was looking for one more piece of information and informed me that I was approved for the modification and should receive the paperwork in less than 30 days. In June, I started receiving intents to accelerate. I contacted the number listed on the acceleration notice. They stated it was okay and that they were not accelerating since we are going through the modification process. Each month, I got a certified letter with intent to accelerate and ignored them.

On August 3, I received a letter via FedEx which stated that within 30 days, I would be notified if I did or did not qualify for the modification. Thirty days came and went. And on October 5th, I received a letter stating that we were not approved because the Investment Group does not approve modifications--ten months to the day that this process took.

In the meantime, my credit is destroyed. I am over $6,000 behind in my mortgage, and at this point, I have no possible way to fix this. If I would have been told in May, I would have only been $2,000 behind and could have found a way to get out of this mess. I believe that BOA is using the excuse of "the investor doesn't do modifications to get caught up in the process because you are under scrutiny from the Federal Government."

I have been in a mortgage modification nightmare. I believe that B of A is not following procedure with the HAMP program. I have been doing this since 4/2009 as my husband was a homebuilder and foreseen there was going to be a problem. We called the bank about the government program. We were told they didn't have any instruction on how the program worked yet but that we qualified (we called monthly). February 25, 2010 we received and online letter from the bank stating we were approved. We would be receiving docs for the workout and docs are time sensitive please have notarized and sent back in 10 days. Do not call prior to 4/27 as it will delay process.

I called Early May stated should receive them. Mid to late May fed ex package arrives. Very excited new workout keeping our home. Boom new financials. Called bank they said that mod was cancelled mid May and there is a better program. Spoke to a supervisor he knew nothing of an approved mod, he said (I have the paper). It was somewhere in the system I received the email and some told me it was cancelled.

Started process again Fed Ex pkg. sent to them, following this, a foreclosure sale date October 18, 2010. I have provided the bank everything they have asked. They have amazing stall tactics and the people you deal with down there (never the same person) have been trained in the stalling as well. I have been told since July that if I am in the mod process, they will postpone or extend my foreclosure. Call 14 days prior to sale. I called 10/4 and put in the request they said call back Thurs 10/8 or check recon trust trustee site. Called on the 6th to make sure the request had been put in and was told the underwriter denied it and said to call back 8 days prior. Which will be the 10th? (Stall tactic again)

How convenient Monday is a holiday. Wow they are not even following their own rules, they do what they want and you have absolutely no way to do anything about it. I honestly believe these people are taught to deny mods to people who truly need them and can get them according to the HAMP program. The banks or investors just do what they want so they can have more real-estate on their books. Let's face it I have lived here for 11 years and they have made money. My home is worth $200,000.00 and I owe $142,000 maybe $162,000.00 because of missed payments, that per the Obama plan they can forgive and restructure my loan! This is a sick, sick world, and we the borrowers can do nothing! I also work with a Hud housing assistance program called Take Charge America.

They are supposed to be looking out for my best interest. Received a paper from them that the bank was requesting me to sign, that stated I will be responsible for all service fees that incur due to the Hud assistant program. Are you kidding me? It is free. How many people trust TCA and just sign the form and send it back and get charged a fee from the bank. This system is falling apart and these banks are not being held accountable. They are reaping the benefits from the government and stealing our homes.

Can you help? Do you know of a lawyer who can or any class actions suits going on? All I want to do is extend my auction date so I can short sale my home since they are going to deny my mod. This is a fact due to the information on how the system works and how they are changing what they have told me. Then I will completely be out of time. I have documentation of which I have spoke with and lately have been recording this. Please contact me through email.

$400 Scam - Home Refinance with BoA Paperwork Ping Pong 101

Believing that it would be simpler applying to refinance my existing home mortgage through my current lender (Bank of America), I called the number advertised by the bank. I was contacted by phone, spent an hour answering their questions and was assured that I qualified for a refinance and a lower interest rate. While on the phone, my credit card number was asked for to cover an "Application Fee". Next, I received a three pound package of loan documents, which I studied, signed and sent back to the bank. Two days later, I received a call from another BoA specialist asking if I sent the package back and once again, assuring me that everything looked fine in terms of completing the loan.

Then I received a letter from BoA called a Notice of Conditional Approval and Loan Conditions demanding another half dozen documents and/or verifications, which would take me months of frustration to accumulate --if the said verifications are available to get at all. Since the bank's interest offer expires in two months, it's very unlikely that demanded documentation will be in their hands in time to complete the transaction, with BoA keeping the original $400 Application Fee.

I requested a mortgage modification back in January 2010. I was informed to start paying a lower amount until the modification was reviewed and approved. Bank of America never sent me any paperwork to fill out or requested any proofs from me. On 13 August 2010, I received a letter stating that if I did not pay $14,000.00, that they would start the foreclosure proceedings.

On 20 August 2010, I spoke to a Tiffany. I stated to her that Bank of America was not working with the customers and that they prefer to foreclose on the homes. I informed her that they never sent me a modification package to fill out or requested any documentation form. She stated that she would send me the paperwork, which I received the week of 4 October 2010.

I called on 7 October 2010 to pay my monthly mortgage payment and I was informed by Karen that she could not accept the payment unless I pay the full amount owed to Bank of America because my foreclosure has began. I asked why didn't they request the paperwork or send me the modification package earlier and she stated that at that time, I was just on default and did not owe too much money. I asked why didn't they help me back then; instead, they waited for me to owe so much money. I feel that this a game that Bank of America has. They keep people lingering until they owe a lot money and then they foreclose on our home.

I had scheduled a mortgage payment on 9/29/10 with Stephanie in the home modification dept. B of A offered me a trial period home mortgage payment back in March, which still isn't done by the way! She scheduled without asking me, to make the payment from my checking account on 9/30/10. I specifically answered "no", that it has to come out on the 1st of October when my paycheck would be in my account. She said no problem and that she cancelled the first payment that she made in error, and rescheduled the payment for 10/1/10, and I received my confirmation number.

Lo and behold, I checked my account on October 5th, and I was over drawn and receiving overdraft charges left and right and they even returned one check without paying it. So, of course when I researched it, they had taken 2 mortgage payments from me! Then I proceeded to call them and spoke to the brainiac, Cesar **. He refused to give me his full name or his extension. When I asked him if I could talk to a supervisor, he wouldn't give me a straight answer.

He refused the first few times I asked him to transfer me to a supervisor. Then finally, after 40 minutes, and a 3-way call with Chase Bank, he said he would transfer me to the supervisor message line but that they wouldn't call me back. He told me it would take 30 to 45 days to get a check back to me from the 2nd payment they had taken out in error. Really?!

Does anyone out there have an extra house payment just laying around and can they wait almost 6 weeks for a bank to pay back your money? They are going to be getting some legal paperwork soon, for I have decided that corporations that blow off people when the Bank did them wrong need to be taught a lesson! I'm sure they will deny me my home modification papers now, but I guess it's for the best!

They are rude, stupid people and I hope I never have to deal with them again! I warn anyone who is planning on even opening an account with them. Don't do it! Somewhere along the line, you will get **.

Read the other complaints! Let's stick together and make these corporations pay for their incompetence in an already sad economical world. I hope they go down and out of business. I hope they file bankruptcy and someone tells them, hey we'll fix it in about a year or so...Payback !

In March of 2010, I contacted Bank of America home loan to modify my home loan and was pre-approved. On April 13, 2010, BOA sent me a letter concerning my request confirming my trial payments along with personal financial information. I have been contacting BOA numerous times, and I have dates. I received a letter stating my house is being sold on October 5, 2010, and when I call, I get different information.

It seems BOA is very unorganized and untrained. I would like to join a class action law suit concerning mismanagement and information by BOA's wrong doing. I was told by Betty (BOA) on 10/04/10 "You are under review therefore the foreclosure need to be postponed!" The foreclosure dept. stated "We do not see anything in your file stating you are on review for home loan modification! " I'm very tired and want to give up fighting BOA, but it's not the right thing to do.

I am going into my fourth month of trying to get a home refinance from BofA. They have told me that I have good credit and that I can get a 4.25% loan for ten years. I have faxed all the information, pay stubs, bank statements, etc. to them five times. They have never contacted me to let me know what's going on. I have waited for about two weeks and then when I contacted them, they said that they are behind with loans and will get to mine as soon as they can.

Really? Well, I'm thinking that you must have been behind when I first applied, so why didn't you be honest with me and tell me then that it could take four to five months to get a loan? I'm afraid to go somewhere else because, I will lose the $450 loan fee they charged me and I have invested way too much time in this process. There should be some kind of law that prevents banks from doing this.

When I first spoke with Anthony **, the loan officer, he told me that they hold the interest rate for 30 to 90 days but that it should only take a little longer than 30 days. I began my loan application on 29 June 2010 and I still don't have a loan. Why would he tell me this if it isn't true? It seems to me, again, that they are breaking some kind of law, but not being a lawyer, I have no idea what that would be. I have been reading a lot of complaints about BofA's refinancing tactics on your page and I'm wondering, why are they still allowed to do what they are doing? Is there no way to stop this?

It's like they do this on purpose to make fees off unsuspecting individuals who believe that the loan process won't take so long and then give up after four months of waiting and lose the processing fee to the bank. If I could sue them, believe me, I would. Maybe all of the people who have complained should get together and file a class action suit. There is definitely something shady going on in the Home Refinancing division of Bank of America. I wish that a DA or an Attorney General would investigate into this.

We applied for loan modification in March 2010. We had never missed a house payment and we have been in our home for 8 years. We were interested in modification to lower our payment (due to husbands loss of income) and to pay off some debt we had accumulated. We filled out the paperwork through a local company, Keller Williams, and the modification began. We were told that during this process, not to make house payments. So we did not. We were told it could take up to 3 months. We kept our house payments in savings for a "just in case". I send the paperwork and proof of income to BOA when they asked for it.

Mid summer, we received a foreclosure notice. We contacted our rep and she told us not to worry that she was in constant contact with BOA and that the modification was still active and to ignore the notice. We did what she said. We even offered to pay some payments because the process was taking so long. They were refused. I was and still am working. However, during this process, my husband was laid off but he was still looking for a job. As soon as BOA saw that he was laid off, they rejected our modification and immediately put our house in foreclosure. We told them that we could catch up the payments so we could keep our house. But they refused to speak with us or work this out.

Bank of America took over my mortgage back in September of 2009. For a whole year I have been trying to get my payments lower but every time I would call and talk to someone, I explained to them that at this time I was unemployed which ended them saying there's no program for me. When I was with my other lender I had no problems but as soon as BoA took over, my payments went up and they are not fully explaining why.

They were to send out papers for a loan modification which after a year I am still waiting on. A rep from the bank called to tell me about what I should send in but that was after I got the papers that my house was going up for sale on September 30. Now today, I got papers stating that my request for a modification was denied. It seems to me that paper work should have been sent out telling me what I needed to send them not over the phone, and why would they send me papers after the notice of a sale to tell me they were unable to provide me with a loan.

The reason they gave me for the increase in payments was the escrow my insurance was lower and my taxes, and I have an FHA loan. How can they call themselves Bank of America when all their doing is robbing the people of their American dream? When is someone in the government gonna have enough balls to step in and say, "Enough is enough, let my people go!". They should change their name to Bank of Greed where is our bailout? I urge the American people to close out all accounts with BoA until they decide to help those who bail them out.

I have made diligent attempts to bring our home loan with Bank of America current, only to be met with aggressive resistance from various employees of B of A. If I am unable to successfully bring our mortgage loan # **, I will be left with no other alternative then to file a chapter 13. We have been going through a chapter 7 bankruptcy throughout the last quarter of 2009 and first 1/3 of 2010. We were forced file bankruptcy after our companies had to be shut down due to severe cash flow issues as a result of the economic turbulence of 2008 and 2009. The bank that held our 1.2 million dollar line of credit foreclosed on our residence in conjunction. Obviously we were unable to make payments for a prolong period of time on our first deed, and until we came to an agreement with East West Bank (Foreclosures) we assumed we may be faced with losing our home.

Fortunately East West Bank graciously accepted our last offer of $350,000 cash and we were able to stop the foreclosure proceedings and begin the process of getting our lives back on track Around the same time our bankruptcy finished running its course, and we begun building our credit back again, we contacted B of A and spoke with a representative and asked what we needed to do moving forward.

He advised that we mail all payment on time from here on out, which we did I asked about the past due, and he told us that we would need to talk with someone in the loan modification department and work out a solution to pay off rears (payments of the rears or payoff completely), so we followed his advice and have been making payments as requested. A few weeks ago we received a letter stating that all payments made were going to paying the rears? Needless to say we were shocked! After speaking with a representative who told us nothing of all payment going to the rears

We immediately called loan mod and attempted to clear this issue up. We got absolutely no where! I finally got hold of a supervisor and requested that B of A clear up any credit issues and apply payments from our bankruptcy on, to the current months, and I would send in a check for the entire amount of $35,606 to clear up the rears. She said that B of A does not have a policy set in place for this type of transaction and that there was nothing she could do!

Furthermore, she told me that the lack of payments shows on our credit all the way back 10 months because we did a reaffirmation? Both my wife and I were stunned to say the least! We immediately called our attorney to find out what this reaffirmation meant and why we were not told about it? Unfortunately he was out of town for a few days and unavailable. My wife was riddled with anxiety and lack of sleep during which time. When I did finally speak with him, he was flabbergasted that an employee from B of A would say such a stupid thing! He advised that we have never filed a reaffirmation on our residence and that I should phone her superiors immediately With that being said and the lack of cooperation on the part of Bank of America, we have now been advised by our attorney, if we are unable to get assistance from B of A, to file a chapter 13, so we will no longer be deemed in default.

Furthermore, we will only be responsible to pay Bank of America approximately $583 a month for the next 60 months to pay off the rears along with our current monthly payment, thus achieving our initial goal of building our credit with no late pays! Not to mention we will not have to start those rear payments for approximately 5 months? I was been advised to request that B of A reconsider our offer to completely payoff the rears upon credit being cleaned from any late pays and move forward. I would gladly put the $32,606 in a trust account with our attorney Richard ** of Heston & Heston to begin the process. After the pain that your employee has caused our family, I hope that the right decision is made. Please confirm receipt of this letter immediately, so I can handle immediately and no further time goes by.

My loan started out with Countrywide, then Wells Fargo and now Bank of America. I have never missed a payment and like most of the American people, they are trying to foreclose on me. How is this possible, foreclose on people that has made all of their payments and getting away with it. I did not do a home modification. Well after researching, here is my theory. Wall Street's (MERS) was proven to have a bunch of mortgages that were fraud. A lot of us are paying mortgage companies that has a non-existing investor. I think when all of this went down the government stepped in and told banks like Bank of America to offer this modification loan to any and everybody.

The government thinking that they have to get these people's signature on a legal mortgage before they figure out they legally own their homes because of fraud investors. Bank of America, being the thieves they are, figured out they could make a lot of money instead of letting the government get it. This is known as their foreclosure mills. The banks that doesn't have a penny in these mortgages could get ownership and make all of the profits. Bank of America has the government over the barrel.

If the government came out in public making claims of what BOA is doing, the cat would be out of the bag. Since thousands of people are complaining, the judges not the government, put a cease on foreclosing until they could get all of the so-called mistakes figured out. Basically what this means is the government's fraud to the American people is being blackmailed by banks like Bank of America. In other words, I dare you to say something about how we are stealing these people's houses through foreclosure. Wake up, America!