Bank of America Mortgages

BOA and Keep your Home CA - BOA says they honor it, but they aren't. Why? "They have their own hardship fund/modification." Well, FedEx just sent me two letters to tell me the modification was denied and by mid June, expect foreclosure notification. Say what? Really? I have provided every piece of documentation they requested. I faxed them from a nearby BOA to theirs. I have the day, time, confirmation number, and person(s) faxed to. My income is our only income. My hub is still in review for SSI. His heart disease is excelling, and not in a positive way. We have older rescue dogs. We feed the poor homeless cats whose owners left them behind after their foreclosures.

I've contacted the BBB, Federal Reserve, Consumer Compliance, Atty. General, etc. I've had a three way conversation with my so-called rep from BOA (third one since Feb), a counselor from H.O.P.E the other day. Emma, the BOA rep said she'd have to have a couple of days to go through my paperwork. Really? You mean you send out denials before you even have the paperwork gathered and uploaded to your computer? When the counselor from H.O.P.E (Mallory) said the conversation would be taped, I'm like "absolutely!" the BOA re? "For quality purposes only, right?" Got something to hide? Uh, yeah. Anyone else wants to join my bandwagon. I'm not going to lose without a fight.

On Memorial weekend 2011, a tornado came through and took out the north end of our barn. We had some roof damage, trees down, windows broken and personal items lost in storm. Insurance company gave some money for windows, personal property loss of trees and to repair one side of 4-sided roof. My husband was able to use roof money to do the entire roof. We received one check in July for $28,000 made out to my husband, me and BAC Home Loans for the barn.

Barn was only covered for $30,000. Insurance had estimates to fix barn from $30,000 to $50,000.We went to Bank of America branch in our town and planned on getting caught up on back payments (2) and pay some ahead, then start doing clean up and fixing the barn ourselves. The insurance company told us that we could fix it, tear it down or do nothing. The Bank would not cash the check said that BAC Home Loans needed a Letter of Intent. That was given to them; they faxed over paperwork to fill out for a licensed contractor.

We were not going to have a licensed contractor do it because my husband was laid off work and would be more than capable of working on the barn himself with help from friends. They would not agree to this and would distribute money to contractor. We have been back and forth with the bank. Then on October 17th, I received a letter from a lawyer out of Detroit area saying that the house is in foreclosure. I ran the check to the bank that day and wrote another letter of intent to just put the money on the house that we would do anything with the barn. I needed to save the house. I faxed to BAC Home Loans the insurance estimates on Jan. 4th 2012.

On May 14th, I received a bill in the mail from my insurance co. that we needed to pay over $1,800 for insurance on the house. I called BAC Home Loans to see why and this is when I found out they sold the house on Dec. 2, 2011 to an "Investment group," I think that I got out of them, Bank of New York. I have not received anything about this. Michigan has a 6-month redemption period. It is up June 8th 2012. I talked to a lawyer on May 16, 2012. He pretty much would listen to my story and said that we need to find out what happened to the $28,000 check.

I went to my insurance co. and told them that I just found out that the house was sold on 12/8/11 and I needed to find out what happened to the $28,000. They got on the phone and found out that the check was cashed on Oct. 28th 2011. I fell apart in the insurance office. I can't believe that the check was cashed and the house was still sold. The insurance co. is waiting from the adjuster to find the check to see who cashed it. I went to the bank branch and asked for a payment history.

In July 2011, we were only 2 months behind and that was the last payment that we made with one of the insurance checks that we received. There is no record of the $28,000 on the payment history. Where is the money? The check was cashed; where is the money? We could have been all caught up and would have been able to pay more ahead if they would have cashed the $28,000 check in July and we would still have a roof over my family's head.

I tried contacting a couple of lawyers to see what we can do. Are they scared? They are just flabbergasted and don't say much and don't know what they can do. OJ Simpson got off and there is no lawyer that can see there is something wrong here besides me being behind on some payments, bad communication. I'm learning my mistakes. If I've got to leave my home, I need to at least get that $28,000 back to find someplace for my family to live since it isn't going to be used to fix the barn. Not that Bank of America is going to cry, but I'm pulling my accounts, personal and business, and going to find another bank.

We are having issues with our mortgage company, BofA. A year and a half ago, we started the home modification process on our house with BofA. Last April 2011, we signed the final documents on the modification. In July 2011, I noticed I could no longer make my mortgage payment online, so I contacted BofA. They told me that since I have an abnormal loan in the modification category that I was not allowed to make payments online, but that someone would work on the account to get this issue resolved so I could do in the future. I worked on this for months with no resolve. Then for some reason in the fall of 2011, our account got transferred to an account specialist manager named, Sonia **, in the office of the CEO and President. I made a phone payment in November and was promised I would not be charged a phone payment fee since I was not able to use the online payment feature. They charged me anyway and told me that they could reverse it, but they would have to stop payment on the whole mortgage payment and refund it to me and I would have to make another payment once the funds were returned to me. Not a $15 check returned to me or a credit on my account was offered for their mistake.

Then on December 14, 2011, I made another phone payment with a representative in which she accidentally charged me two mortgage payments and overdrew my checking account. Being that it was right before Christmas, I was forced to do a checking account advance through my bank to cover the funds that should not have been taken out of my account. I contacted BofA regarding the matter in which they told me that the only thing I could do was stop payment with my bank and then process another payment with BofA once the funds were back in my checking account. So that cost me $50 for the advance and $30 for the stop payment fee. I then proceeded to get my $80 that was rightfully mine from their mistake and did not get a check back from them until four months of harassing them. I have paid my mortgage on time every month.

Now this last month, I get a statement and letter from BofA stating that I owe $174.48 in late fees and that the payments I have been making since January 2012 have not been applied to my mortgage but are being considered as a partial payment. So now, I am worried about my credit score! To top it all off, no one from the company will talk to me accept my account manager who can't answer my questions when I get a hold of her or return my calls. So after weeks of escalating calls, I finally get a hold of the VP of BofA who assures me her assistant will take care of this. It has now been days of leaving professional and courteous messages and the VP won't even return my calls.

I borrowed $31000 home equity line of credit mortgage from Country Wide Bank in June 2003 and then I refinanced that mortgage from Irwin Bank in April 2005. But in 2007-2008, Bank of America took over Country Wide Mortgages. Now in 2012, I want to refinance first mortgage that I have currently with BOA from some other bank but my title company cannot issue new title since on my credit report it shows that BOA is still holding lien on my home equity line of credit even though it shows paid and zero balance on my credit report.

My title company has requested BOA to release this lien, but they have not gotten any response from BOA even after a month. So I got involved and called a couple of times to their customer service and every time, they opened a new ticket and keep telling me that they're still investigating this issue and don't have much information. It's been three weeks now since I got involved but no luck in getting lien release. I have provided copy of the original home equity line of credit mortgage contract that was signed with Country Wide Bank in June 2003 and also a copy of my credit report that shows BOA is holding lien for that account even then. What's taking so long?

Because of this I'll end up paying more on my refinance now. This is the ridiculous customer service I have gotten from one of the biggest banks in America. This is the reason I'm going to stop doing business with this bank.

In June 2008, my husband lost his job. I contacted BOA for a modification and I was told "do not make your mortgage payments until the modification is approved and finalized". I clarified several times as I thought that was very odd. They modified with a lien at 0% on my house. That did not help since we had a loss of income. In Nov 2008, I requested a payment reduction and meanwhile, I was paying a portion of my payment weekly that apparently was not applied to my loan. I worked with Nikita and reduced my payment a couple hundred dollars, signed that made payments for 10 months and meanwhile, receiving new modification docs every few days. The month of June, Nikita would never return my calls so I talked to a manager who said to ignore them and they were just backlogged.

In Oct 2009, after paying the agreed modification amount, I received a letter that they were going to foreclose. I immediately called BOA to find out why. I was told the modification didn't go through because of a lien on my property. I took 8 weeks for them to understand the only lien was BOA. I requested manager after manager and promised call backs and was told I would have to reapply for a modification. After fighting that, I was slowly finagled into reapplying and was told I didn't qualify because since I got a second job to fix my arrearage, I made too much money. WTH. So I'm a hardworking citizen trying to make things right. Then on Dec. 28, Nikita called and said they made a mistake and to sign these new docs which was $50 more. It wasn't the money, it was that they were identical to the one I already signed and paid on. I had to return them by Jan. 1.

I asked how this protects me as they are the same. How can I know I won't pay for another 10 months and I get a new notice that they are foreclosing? Her response, "we can't do that". What? They did just that. Without having time to review with a lawyer, I decided to just walk away as I owe $260k and 2 houses down just sold for $54k. Then I received a request for all the documentation to apply for a mod. They just told me I don't qualify. They take advantage of people that are helpless and confused. They are liars and thieves. The government really needs to step in and oversee these operations. I was penalized for working 2 jobs to make sure this doesn't happen again. I was willing to pay the $1,700 payment for the next 27 years, but they chose to take it as a loss for about $30k. After all, costs are involved because their tax break is probably more profitable or the reps of the phones are following a flow and can't think outside the box.

I am now going to walk away from this piece of crap house with plumbing, energy, termite and roof leaks to rent a house for far less than what I would have to pay them and no worries in my head. I will never ever deal with BOA again. After reading all the similar scenarios where they tell you don't pay, oh yeah. I got a refund check for my modification payment on 2/28 and a day later, that my short pay was applied to the balance due. WTH BOA, get it together and figure out what the left hand is doing. A bunch of ** with no common sense. Really? I was willing and able to pay them the $1,700 a month for the next 27 years, but they're opting for foreclosure which will make them $30k at most. Oh yeah, my last statement said my loan term was like 24 years. I have a 30 year from 2007. They're clueless of what's owed and the courts should not allow them to foreclose without the original note. Banks are crooks.

My mortgage was sold to the same company that wouldn't refinance me before my first payment was even due. Go figure. BOA should be incarcerated for fraud. All these CEO that rip people off, make all the money while the employees do all the work and take pay cuts, and the mortgage companies refuse to take partial payments even though over that month, it is the full amount or more or they charge you to make bi-weekly payments. Total crooks. I had BOA for my checking too and I transferred money at 10:30PM, which was no longer available in that account but it didn't process until the next day because it was past the cutoff and I was charged $70 in overdraft fees for overdrawing less than $30. It's all a scam. Keep your money in your mattress!

I am writing this letter to explain the unfortunate set of circumstances that are presented upon me and my family. I am trying everything in my power to make ends meet and my goal is to keep the home; however, financially, things are just not the same and I am facing financial hardship situation.

I've been trying to go through a modification process with Bank of America. However, Bank of America is not willing to work with me due to their explanation that my mortgage is held by privately owned bank (which is Kearny Federal Savings Bank) and that Kearny Federal Savings Bank is not budging to modify my loan. As per their response, they do not have any programs that I qualify for, because my mortgage is not Fannie Mae or Freddie Mac. However, I called Kearny Federal Savings Bank and they have no opposition to modifying my loan.

I even searched for other banks to refinance to get a lower interest rate but no bank would refinance my property because I owe on it more than its worth. It's such a disgrace for Bank of America to treat people this way! The only reason I owe much more money on my property is because within 7 years that we've purchased this property, Countrywide (at that time) and Bank of America made me refinance twice on this property and only my closing cost for both times was about $20K. Now, I found out that my mortgage was sold (without my knowledge) to privately owned bank (Kearny Federal). Why wasn't it sold to Fannie Mae or Freddie Mac?

Other mortgage companies are telling me to put down at least $30,000 to lower my loan, and then I might qualify for refinancing at a lower rate. Unfortunately, I do not have such funds. I was planning to hire a lawyer, however they are asking for $3,000 or more for their services which I'm not able to afford.

On 08/2009, I turned to NACA for help, since their services are free and they promised to help me. On Dec 22, 2009, NACA submitted a proposal to Bank of America for a rate reduction from 6.75% to 4.00% for the life of the loan, but it was declined. After I drove to Washington and joined the Save the Dream event, Bank of America counter offered the rate deduction of 4% for 18 months only, which was $400 of savings on a monthly basis. At that time, I was so desperate and accepted the offer. I was able to pay my mortgage and never missed a payment since then. However, the 18-month deal is over now and the payment is increased from $1,800 to $2,200, back to 6.75% as of June 1st, 2012.

I've tried calling Bank of America and realized that neither modification department nor advocacy department are willing to help me. Meanwhile, on their website they are offering assistance if somebody is having a Financial Hardship and qualify for all their regulations. I will not give up fighting with Bank of America until they reach a fair agreement and will be willing to work with people as myself who are having financial hardship.

Back in 2005, my wife and I bought a small 2-bedroom, 1-bathroom home (800 sq. ft.) right after we got married. A little more than a year later, my wife gave birth to twins, and we did not have room for a family of 4. The housing market started to crash at this time, so we could not sell our home because the mortgage was more than the value of the house. Due to this, we moved out of the house and into a larger house. We rented out the small house, but were losing $800 per month on the house.

Since that time, my wife and I have asked for a loan mod, principal reduction, etc., but Bank of America said they could not help us until we missed a payment. They told us that once we missed a payment, we could get a modification. Taking this advice, my wife and I missed a payment and then tried talking to Bank of America. They told us that we did not qualify for a modification because we missed payments and because we made enough money to pay the monthly payment. We were then instructed to do a short sale. Eight months ago, we started the short sale process and then yesterday, Bank of America denied our short sale request because we can afford the payments.

The next step would be a foreclosure, but I can't do that because come September, I will get hit my Capital Gains Tax on the house because I am no longer considered the primary residence (must have lived in the house for 2 of the previous 5 years to avoid the capital gains tax). The reason we started the short sale process was to beat this deadline, but now we can't. Bank of America has assured my family of financial struggles for the rest of my family's lives. Bank of America could have done what was best for them and us, but instead wanted to stick it to us. Bank of America is truly the worst, and I honestly believe they are linked to our government, and together they are bleeding Americans of all of their money. It is sad to think that Americans no longer help Americans.

In addition, these banks are the reasons why house prices inflated to begin with. As usual, the bottom man on the totem pole gets it. We were lied to over the past several years, and now I am stuck. Thanks, worthless B of A.

mother and a child I need to keep a roof over their head. I am not asking for money, just lower my mortgage so we can keep our home.

BofA Home Loan, Walnut Creek, CA: Very poor service. I don't know if I expect so much from the team at Bank of America, but I'm very disappointed and upset because an easy conventional loan takes so long to process. Mr. James ** offered me a great service at the beginning of this long process and I think he is very capable and knowledgeable, but he left all the work to his employees without his supervision. It is very frustrating to work with people that ignore your emails and promise to do everything to get your loan funded by this specific date, but not doing nothing to make it happen. I sent all the information requested from BofA and I don't receive a respond until one day later. I wish I knew this before I started to work with BofA on my loan for my first house. I hope this review helps to improve your service and accelerate the process of your loans. Thank you.

I am trying to get a loan modification as I have been making my payments on time since BOA took over from Countrywide. I was told this process would take 30 days to 6 months to complete. I was also told that an escrow account would be created. Well I have not been officially told that my loan has been modified, however, they have created an escrow account for me and sent me a bill stating that I need to pay $1,900 into the account and then raised my house payment $343 monthly. I have called and complained. So far, no response and I cannot make these payments as I was long term unemployed, now I am underemployed.

I am at a loss of words in regard to BOA. I simply cannot believe what this bank is doing to people in United States of America! I have been trying to get a loan mod for my home since 2010. Now, almost 2 years later, nothing has been accomplished. They lie, deceive, ignore you and generally don't care. I cannot even remember how many times I sent and/or faxed them the docs they requested and they always didn't receive something. Just this February of 2012, I got FedEx letter from BOA where they requested some docs from me (I sent them all these docs at least 10 times already since this process began). After I faxed all the docs they requested from me, I called them multiple times and left multiple messages where I simply wanted a confirmation that they received the docs. I don't even know how many times I called, but I could never get anyone on the phone. So I faxed them all the docs 2 more times. Each fax sent was confirmed successfully. I have also sent them all files requested in the FedEx envelope provided.

Then a month later, I got another FedEx package from BOA where they wanted pretty much all the same docs again. Again, I faxed all the docs multiple times to the fax number they provided. I called multiple times to simply confirm they received the docs. I could only reach their voicemail. Now last week, I finally got a call from one of the reps at BOA and she was telling me that she needed some docs from me that they requested and I "never" sent to them. After a couple of minutes of back and forth, she finally found 1 then 2 and 3 docs I faxed them. She still was missing few docs and asked me to send it to them. I faxed everything again. She said she would call to confirm she got the fax. Yeah, right. No call from her and repeated calls from me only get me to her and all the other numbers I can get following her voicemail chain, voicemail. Unbelievable!

Loan modification - I paid on time and they kept asking for the same documents over and over. I sent what they wanted and they still were not happy.

BOA bought my mortgage from Taylor Bean and Whitaker and has took our dream of owning a home and turned it into a real life nightmare. We have been fighting for the last 2 years to keep our home and used tax returns to bring our mortgage back to current due to my husband's job. So we are behind and tried to get a modification only to find we qualify for nothing because we have excess debt. So I have made many calls only to somehow end back up at someone from BOA telling me, "sorry, nothing we can do to help". I got a call suggesting to do a short sale and I felt as if it was being pushed on me. If we did not want our home, why would we be trying to save it?

People at BOA are normally rude and very cocky. I don't enjoy being talked down to like I am child and that's even if you get a person, half the time you get voicemails, put on hold or hung up on. After the call, I got a letter telling me they want x amount of dollars by June 6th or they will take it to the next step. All they have to do is work with us to keep us in our homes but instead, they rather foreclose and have the homes sit here empty and more than likely, be stripped from the inside out. What a choice. If I would have known I would be going through all this when we decided to buy a home, I would have kept throwing my money away on rent. If we are so willing to help other countries, why not help our own?

BofA is the worst bank ever. This bank should've folded years ago for the poor customer service, lack of communication between the reps, and lack of knowledge of the business. My husband lost his job almost 3 years ago, and shortly after that, we defaulted on the mortgage payments. We put our house up for short sale. A month later, a buyer was willing to buy our house. We postponed the closing date 5 times, and waited 5 months for BofA to decide what they wanted to do. At month 5, we all thought the deal would happen. So we moved to a rental home 1 week before closing to give me some extra days to clean up the house before closing.

Then 3 days before settlement day, BofA called and refused to take the deal. At that point, I had already moved, signed a 2-year rental contract. On the other hand, my house had been sitting empty for 2 years since then. I was beyond furious at BofA! During the 2 years, I applied for modification and was declined twice. I applied for Deed in Lieu and was told that I had to pay $15,000 to BofA for that to be approved. Now, the Department of Justice and state general-attorneys are asking banks to work out modifications for troubled homeowners. I received a letter from them, asking me to meet with a mortgage consultant at a local branch to discuss my options. So I did in April and gave them my paperwork. Three weeks later, I received a letter from BofA approving the modification, reducing my principal by about half and lowering my interest rate from 6.875% to 6% (big deal since the rate out there now averages 3% or so!).

Here is the catch, I don't know how the hell they calculated my monthly payment, but it came out to 42.5% of my gross income and over 50% of my net pay. I've been calling them, and of course, I never got through to a person. I waited a day for them to call me back. Then, when I told them about the ridiculous monthly payment they calculated and asked them how they came up with that number, of course, I couldn't get an answer. Besides they showed no interest in reviewing and verifying what I told them; they just basically told me that "It is what it is" and told me that I must make my 1st trial payment by 6/1/12, because if I don't, then it would mean that I decline on the offer. Then the next day, I spoke to a manager and found out that they calculated my income incorrectly. I asked them to rework the numbers.

They then told me that they couldn't guarantee that it would change anything. I told them that there's no way I could afford the payment they worked out, since it's only $355 less than my original mortgage payment a month. Common sense, if I could make this new payment now, then why the hell would I default on my original mortgage at the first place since the difference was only $355? I asked BofA why after the modification, the debt ratio is over 42% of my gross. I thought it was not supposed to be more than 31% of gross income. What she told me made me laugh in disgust. She said that's not true about the 31%. She said if my original mortgage is over 31% of my monthly gross income, then I would qualify for a modification.

So explain this to me that if that's the case and you modify my mortgage because my original mortgage is over 31% of my income and yet, you approved me a modification with monthly payments way over 31% of my income, wouldn't that throw me back to the same qualifications to apply for a modification again? I mean, BofA grants modification to fix the debt ratio, right? So what's the point when they still give you a modification like this? I think this is what they're doing. The DOJ and state attorneys are putting pressure on them to reach out to homeowners to help them save their home, but BofA really doesn't want to do that. So to satisfy the government, they pretend they're doing us a favor by approving modifications but with payments we can't afford and don't make sense. And BofA knows that we will not be able to take the modifications.

So now, they can turn to the government and say that they've done what they were asked to do but that the homeowners are not complying and declining the modifications. So now, it's the homeowners' fault. Then BofA will ask the government to compensate their loss in the mortgages they tried to modify. I wish the DOJ and state attorneys know what BofA is really doing to homeowners. They just play us and use us to get more bail-out money from the government. What the government needs to do is to close down BofA for good!

Taylor Bean & Whitaker serviced my loan until Summer of 2009. They gave me a 3-month forbearance and after the 3 months, I signed a 24-month repayment agreement ($139/month over and above mortgage payment). Within a month or two of the repayment agreement, Bank of America took over the loan. I thought everything was fine and continued making payments as agreed. By October of 2010, I received a notice that I was $1,900 overpaid in escrow. I called to find out when I would receive a refund, but was told I was in default so I would not receive the money. Since finding out about the overpaid escrow, I realized Bank of America (BofA) was obviously not aware of the forbearance and repayment agreement and thus to date, I have not been able to get them to honor the money I've paid back (now fully paid) or work out any solution at all.

Whenever I spoke to a customer service rep, they told me they either were not aware of the repayment agreement, did not have to honor it or I had to redo the agreement using one of their modification products. They have tried to get me to do loan modifications (which I am not happy about since I feel I already paid my debt in full). Despite my resistance to a loan modification, I did try to get one on three separate occasions since they threatened to foreclose last Fall 2011. Each time, I ran into a brick wall (never received paperwork, told I didn't qualify, told the offer was off the table and I was declined because I missed a deadline). This has been going on since November of 2010 and after a final review with Carl ** of the President/CEO office, I have been told they will not help to bring me current (this decision came on the heels of another guy in same offices that told me they screwed up and would bring me current).

Carl **'s rejection letter reason was they honored the forbearance agreement from the beginning, but I failed to make correct payments when my escrow increased in Jan 2010. It confuses me that the escrow increase was only three months after they notified me I had a $1,900 overpayment, so this makes no sense. I feel it is unreasonable of them to jerk me around and threaten to foreclose when all monthly payments and repayments have been made. It is unreasonable to dangle loan modifications as a way to correct the situation when they are unable or unwilling to even manage that process to fulfillment. It is a lose-lose for me, the loan holder, and very sad that even though I have made every payment to them, they can still conceivably foreclose on my home.

Payment posting error leads to foreclosure: Ever since my loan was sold to Bank of America, I have had nothing but heartaches. I must affirm that I have not once made a late payment in the two years I have owned this home. Their collection department continuously calls me at work (up to three times in one day), and it's always a different employee. I demanded they stop calling, but they don't.

I explained the situation and submitted it in writing, and nothing. The last incidence occurred this week. I composed a letter and attached this year's cancelled checks to show them their error, since they have begun sending letters of foreclosure and a certified letter as well. I cannot afford an attorney, so I guess they will foreclose on the house, since there is no way of communicating with someone who can correct the problem.

We have tried numerous times to get a loan modification. BOA contacted us in December 2010 that we had been pre-approved for a loan modification. This modification said we needed to make three on time payments, after which we would be contacted and put in a final modification. We made the payments. We were contacted by BOA by a letter stating that there were loan documents that were going to be sent to us. We finally received the documents, but we only had two days to respond. We told BOA that we wanted our attorney to look at the final documents. They said fine, but we could never get this to exceed the offer in writing, as the documents said we only had two days. One of the terms of the loan was after three years of on time payment, they would reduce the loan in the amount of $79,000, which was huge to us as we are upside down on the mortgage. As of today, we have been on this roller coaster of a ride with BOA. No new documents, no nothing. Just false promises of helping us. It is crazy. Stop the madness...

I don't know where to complain and just found this website. My husband and I were existing Bank of America customers. We had a 30-year fixed interest mortgage with them at 5.75%. We have excellent credit and have never paid late. We have no debt other than the mortgage. I heard the rates were low and decided to check it out last September of 2011. We were locked in quickly for 90 days at a good rate and were going to refi into a 20-year loan. This was my only purpose to refinance...to save some money and years! That's it!

We were great long term BofA customers. It seemed like it should have been easy, but it was not. We faxed over 400 pages of documents to them. Many times they were lost or claimed no one got them. We had to resend several things up to four times! They harassed us about my husband's nationality. He is a permanent resident with a green card for 20 years! He works full time and pays taxes here! We had to get the Swedish Embassy to handle this situation (and again, we are existing customers but now this was suddenly an issue). We were harassed about the $30 on a Kohl's card even though it was charged one month and paid off the next (Christmas gift). Same thing with a $60 Banana Republic card. We were told we didn't have enough sitting in our savings to close (even though we showed them $25,000 in our savings, which was the amount asked). It was one thing after the next month after month. Someone went on vacation and then our file got transferred to someone else. Left hand never seemed to know what the right hand was doing.

I spoke with a manager who promised to follow our case through to the end, and she turned out no better than the rest. The Charlotte office is a mess. I was the one driving this entire process along for five months. (Yes, they gave us two extensions because they could not get their act together.) We are in NY and we requested that they remove the CEMA tax (it's a NY thing). Promises, promises...this also fell through. They said yes for two months before they even started this process (and it fell apart too). They asked us to pay off a car (only $3K) and I did it same day. It seemed as if they were trying to think of things to turn us away. It really did feel this way. They stood to lose a little money and we were to gain a little money by doing the refi. They were most unhelpful.

I called and emailed at least weekly if not more. I was very quick to give everything they asked. This was a HUGE trial of patience. Sometimes they would not return my calls or emails for a week or more and sometimes not at all, but I was persistent and would keep calling! Finally, after five months, they told me I would need to give them $25,000 up front for closing and that they also had to extend my loan to a 25-year instead of a 20. Um, hello, we only had 26 years left on our current 30-year loan. This is what finally caused me to say, "Enough! No, thank you, BofA!"

At that time, I started researching on my own. This just seemed crazy that someone would not want our business. We have excellent (almost 800 credit scores each) and no debt. I quickly found another bank who did want our business. From start to finish, the process was under 30 days! I closed yesterday on my refi with a new bank. The process was so easy! Also, I qualified for the HARP program and this is something that BofA never told me! I did not have to give a dime at closing and no PMI. Yes, BofA said we would have PMI too with the refi due to the economy crashing and the house losing much of its equity. We are not underwater though by the way. So, no money up front, no PMI. I actually called my mortgage person at BofA to ask why he never told me about HARP. He said, "Oh, you don't qualify for HARP." I said, "Really? That is not what my new bank told me." He checked and said, "Oh, yes. I am sorry you do qualify. Would you like us to help you with that?" (Five months into it, no thanks!) Bye bye, Bank of America!

I am so sick of BOA! They are some thieves and corporate scam artist. I had an issue with customer service taking my payment as the idiots were typing in the incorrect checking account information. So they tried to smooth everything over claim that they were giving us a special account manager, which is a crock of **! I called the "account manager" and guess what, it goes to voice mail. I called every day and no call back. Mind you, I was trying to pay on my mortgage so I had to play around like I had no account just to get somebody on the phone. I am so sick of their mess! This has to be the worst bank ever aside from PNC. It's a corrupt little corporation.

Unfair discriminatory mortgage modifications - Now we see them doing it again, giving money to everyone except government's so-called backed loans Freddie Mae and Mac and FHA/VA loans. Since when didn't we all deserve a principal reduction? My home is valued at $144,000 and I owe $265,000, go figure. I lost $3,500 a month in income permanently four years ago. I'm still fighting for my house though! I am going to keep on fighting. I just sent BOA a RESPA.

We are premier customer, fast track qualified for a refinance. We started the process in January of this year and still cannot seem to close the request. Every excuse possible, asked same questions over and over, phone calls were not returned and left hanging without any information. I have been a customer for many years and am ready to cancel request; close our accounts and find someone willing to work with us. Very unhappy with the service and personnel.

Loan was paid off on 4/18 through title co. I've been given 3 different stories about when they will send the refund. They say 10 days after payoff, the day after payoff, ten days to start the "process" of issuing the check and up to 10 more days to actually mail it, but 14 more days before reissuing it, which is another 10 days more. How much money does Bank of America earn off us while keeping our money? It sounds like a scam. They say whatever to get you off the phone and do nothing? Who regulates when they have to send out refunds?

I'm trying to modify a mortgage, due to loss of a job in the family. Bank of America has made it a nightmare. They do not return calls. They put nothing in writing that they discuss with you about not making payments for 3 months (forbearance) and then continue to make payments until the modification is completed. In the meantime, you keep receiving foreclosure notices that you are told to "ignore" and that "everything is fine".

The last straw occurred when my husband tried to make the regular payment at a local branch of BOA before the payment was due, and was told that the account was "locked" and they could not accept the payment. We called Monica ** at BOA and was told she had to "unlock" the account before the payment could be accepted. We were told in the beginning that once you start the modification process, that you can't be late on any payments. Ms. ** assured us that she would unlock it and call to advise us.

That was 10 days ago. We still can't make a payment and can't get a return phone call. (As always!) And now, we have received notice that we are in foreclosure, even though we were assured we were still going through modification. We can get no info from anyone at BOA. They will put nothing in writing to you about your modification or the procedures regarding the same. It is my opinion that they are intentionally forcing you into foreclosure by their business practices.

I started the modification process back in November 2011. Today is May 8, and I am starting all over again. It is a joke, according to my first loan service manager (Shaheb). I submitted all of the documents needed, and now, we just wait. Then he literally disappeared, and someone else sent me a letter to say they were my new service manager (Susan). Susan told me that I was denied the modification in January, because all of my paperwork was not submitted.

Today, I am waiting for another packet from her in order to apply again. I have been off work for nearly a year due to illness, and I am 4 months behind in payments. So I got this letter offering me $3k to hand Bank of America the keys to my house I have lived in for twelve years. Next week, I return to work and will receive my regular pay as opposed to fifty percent of it, which is what I have been living off. My doctor has warned me that if I don't stop stressing, I'm going to have a heart attack and die!

Shame on Bank of America for treating their customers like crap. They don't deserve to be called the Bank of America. It's a disgrace to Americans.

Due to unemployment, our mortgage has been up to 29 days late one time. I have informed BofA over the phone and via the website of my intent to pay. I have received phone calls on a weekly basis and sometimes up to three a day from rude individuals claiming to be from BofA; they were asking for personal info and refusing to inform me of what the call is about. Even when my mortgage is up to date, I get these phone calls. I have called BofA to report these phone calls and they tell me that if my payment is not made on the first, they have the right to call me. If my payment was late, I would understand a phone call to discuss an issue; but I refuse to provide personal information over the phone to some stranger who claims to be from a specific company.

I refinanced my mortgage with Bank of America and the loan was paid on March 28, 2012. This was confirmed by Bank of America when I called them. My broker told me that I should get the balance on my escrow account within 20 days. I waited. Twenty days passed and I have not received a check from Bank of America so I called. They told me that their system did not somehow alerted them that a check has to be requested for the balance on my escrow account. So that day, the lady contacted the department that handles that. I can hear both of them talking about it. After that conversation, she told me the check has been requested and she apologized.

Almost two weeks later, no check came in. So I called again just to be told that I should wait 7-10 business days and if it hasn't come in, that I call again. I was frustrated but accepted it. Ten business days later, no check came in so I called again. This time the rep called the department that handles those check requests and he put her on the line with me. She told me then that they put a stop payment on the check because they made a mistake. The check was written for someone else. So I asked, "How could that happen?" She said she doesn't know. This call was last Monday, 4/30. She told me that she will send another check request, but this time it will be overnighted due to the delay and issues that arose, and that I should get the check Thursday, the latest Friday.

It's now Saturday 5/5 and the check has not shown up. What is wrong with Bank of America? They are holding up my money. The loan has been paid off over a month ago. I am so mad at them. I tried to call today and even though on their website it says they are open on Saturdays for mortgage-related calls, their system said they are closed. What a nightmare! They messed up with my mortgage payments in the past and that is why I was so eager to refinance my house so I can leave BOA. And finally I did. I thought the nightmare is over. Boy was I wrong! I don't know what else to do to get my money back from them other than call them.

I made an offer on a house MLS# ** of $169,000 on the house listed at $189,900 in late December. This was accepted (pending short sale approval) with a closing date of no later than March 30, 2012. Shortly (and conveniently) after the expiration date of the offer, your "bank" (I use the word loosely) came back with a counter of $192,000 (according to the listing agent). This seems kind of fraudulent since the listing is still online for $189,900. Please explain!

We co-signed a loan for our daughter in 2010, and we recently went to obtain a loan and was turned down because BAC has us with having delinquent payments. We had this straightened out back in August 2011 and had a signed letter stating this. We again went for a loan a month ago and was turned down as BAC never cleared our credit reports, even though we had a letter stating this was done. We now are providing proof that there was no delinquent payments. How can a huge bank like this do this to hard-working people. We have never been late and always had a credit score of over 800. When it is their error, why are we being the ones to prove our innocence? I really don't understand how a bank can let things get to this point and not clear things up when they said they would.

I heard of the new government assistance plan that would help lower mortgage payments based on home value/salary. I contacted Bank of America directly to see if I qualified for this plan and Nekita ** took my application and became my loan manager, and began a loan modification process. Throughout the entire process, I called Ms. ** every few days or once a week. She never called me when she said she would and every time I called her, she said she would call me back once she had an update. The number she told me she would call me on wasn't the correct number. The first couple of times she did this, I just figured it was a mistake. But every single time I called her, she would give me the same wrong number over and over again and at that time, I became unhappy with that situation. I still didn't contact her manager, but informed my family and friends of what a bad experience I was having with the loan manager I was assigned.

I finally contacted the manager's number that was on Ms. ** voicemail and couldn't reach the manager either (Melissa **). I began this process in November and asked Ms. ** how long the process usually takes. I was told on average, it takes 7 days to get a decision and at this point, it was January. Ms. ** was not properly educated on the new loan modification process because she had a hard time answering my questions. Finally, in March after I called Ms. ** several times, I was told I was approved and I was very happy. The reason I was happy was because the loan modification said based on your income, your payments can be lowered almost $800. Now this was based on the website, nothing that Ms. ** said to me. I just want to make that clear. According to Ms. **, my payments would still be over $2,000 a month and that was about $150 savings.

I asked Ms. ** if this process would affect my credit because I was told that it can. Ms. ** was not able to answer that question and so I advised her I would call back because I wanted to check with a lawyer first. The lawyer said it will affect my credit and how it would report to the bureaus, so I decided for the low amount of savings I would decline. I wanted to give a clear background of the situation before I state my problem. I contacted Ms. ** to make a payment every month and when I couldn't reach her, I spoke with an agent at Bank of America to make a payment. I normally would pay online after I set up online account because it was easier. However, when I tried to make a payment online, after I first applied for the loan modification, I wasn't able to because according to everyone I spoke to, you cannot make payments online during a modification process.

In March, I contacted Ms. ** to make a payment and believed it was processed. In the end of March and the beginning of April, I called back several times to ask to have the restriction lifted off the account so I can please make a payment online for April. Ms. ** said she would have it done and should be lifted in a few days. So I waited a week and still nothing. I called back and Ms. ** said she put in another request and again, nothing done. I called back and Ms. ** said she would take the April payment for me by phone but since I had a lack of trust in her, I was afraid that she would put the wrong date and felt more comfortable setting up the payment myself online. Since I called her far in advance to needing to make the payment, I decided to wait for the payment restriction to be lifted.

Finally, the restriction was lifted and I noticed it said that I missed my March payment, so I immediately called Bank of America and the agent who answered confirmed that a payment was missing. I searched my bank records and found that no payment had come out. I called Ms. ** and she did not answer, so I left a message. I contacted a manager in customer service by the name of Adam, or at least at the time that was the name he gave me. I explained to him the situation and that for whatever reason, the payment didn't post and would really appreciate some kind of courtesy because it was an honest error on behalf of Ms. ** or the systems for it not posting. Well, that is where all the problems began and I finally understood what all the people were telling me about how much they hated Bank of America and constant problems and poor customer service.

Adam was so very rude to me and talked down to me and treated me like I constantly paid my bills late and the worst part is that he lied to me. He scheduled a payment for me and when I asked him if my payment would be considered late or if I would be reported to credit bureau, he lied to me and said neither would happen. The reason that this wouldn't happen is because during the loan modification process, payments were not considered late. I later spoke to another rep the next day who said he lied to me and that I was charged a late fee and was reported. The agent confirmed to me the same that Ms. ** said, that payments are not considered late during modification process even if they were made late. That agent transferred me to collections department where I spoke to a woman who said she would transfer me to a department that would help me, but she hung up on me.

When I called back to find out her name, there was apparently no notes that I spoke with her. I contacted Melissa **, Nekita **'s manager, to express to her my concerns with how Ms. ** had treated me after the fact and how she was disrespectful. Ms. ** said that she would address that with Ms. **, but declined giving me a grace period to make my April payment even though she works in retention and I had never had any late or missed payments before. I was lied to by several agents at Bank of America and I have proof of the amount of times I have contacted Bank of America and Ms. **. I also have proof supporting the fact that I did not know that my March payment wasn't received because my April statement shows no past due or carry-over charges from the previous months. I am the one who contacted the bank and tried to resolve the situation as soon as I became aware of it.

The lack of concern and compassion for the situation is disheartening and disgusting. I understand the department that was handling the loan modification deals with clients that haven't paid their mortgages for months and in some cases, years, as expressed to me by Ms. **. But my hope was that I would be considered based on my individual account, not against all the other customers that Bank of America has. I have never been late before or missed any payments and was hoping that would have been looked over before the late charges and the report to the credit bureau. I am hoping that from this letter, I would be taken seriously and that this is a big matter. I started the loan modification in hopes that it would help me lower my payments and just make things a little easier. However, it backfired and affected my credit score and ability to do other things for years to come.

I would like the late charges to be credited back to my account and I would like a letter to be sent to the credit bureau retracting that I was late. I would like a full investigation into the accounts that Ms. ** handles because when you are dealing with people, their money and their livelihood, it is important to have someone who knows what they are doing and cares about people. I work for the retention department at a large telecommunication company and would never treat people the way that Bank of America has treated me. My credit report shows no late payments or missed payments for several years and should show proof of my desire to wanting to have a positive credit history. To go back to what I was stating earlier, Adam the manager either lied to me about his name or the notes on the account given to me by an agent was not noted properly. According to the notes on the account given to me by an agent in Tempe, Arizona by the name of Natassja, who by the way was very kind, said the manager's name was Anthony ** (spoken to on April 10).

I will be contacting the Better Business Bureau and Consumer Affairs and whoever else is required because this is not only wrong, but it has become very unethical. I will provide phone records to show how Ms. ** only called me once during the entire loan modification process. I strongly recommend an investigation into Ms. **'s other clients accounts because it is important that this doesn't happen to other people. I have phone records that show the amount of times I called Ms. ** and am surprised that as my account manager, she didn't make me aware that a payment was missed if I called to make a payment for the following month. I will also provide a copy of my statement that does not show any past due charges so I would have not been aware that my payment was never posted.

I will provide any kind of information that I can to show that what I am saying is supported and that Bank of America claims to want to help retain people, but is only lying to customers to get them off the phone faster or to not help deal with the situation. I will continue to pursue this matter until it is resolved in a proper and respectful manner.

We have a BOA loan and we cannot get them to do anything to help. All we get is the runaround, send documents and never get replies other than send documents. We were told we were getting a modification over a year ago and now we are not getting it. They say FHA won't allow it anymore. I have tried for days to get in touch with someone at BOA and all I get is leave messages. I have companies calling me about taking over the modification, but want money. One called today, the American Consumer Advocate Law Group and they are telling me BOA did all this just to take our home, that the government will give them more to foreclose on a home than if they help the homeowners out. This issue with BOA have us so stressed that I am afraid my husband will have another heart attack and not survive. He is terminal and this added stress is not helping. Is there any actual true help out there for homeowners wanting to keep their homes?