Bank of America Mortgage Reviews

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.

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.

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.

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.

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.

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.

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!

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.

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.

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!

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.

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.

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.

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.

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.

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.

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 **.

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.

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.

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.

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.

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.

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.

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 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 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 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 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 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.

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.

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.

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.

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.

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 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.

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.

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 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 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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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."

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 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 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!

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 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?

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 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.

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.

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.

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 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 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.

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.

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.

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 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.”

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 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.

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.

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?

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.

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?

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 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 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.

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.

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.

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.

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.

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?

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.

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 **

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 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 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.

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 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.

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 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.

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.

.

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.

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 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.

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.

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 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!!

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.

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 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

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!

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.

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.

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.

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!

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 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.

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 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 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.

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.

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.

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.

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!

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 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 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.

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.

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.

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.

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!

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.

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.

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.

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.

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 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 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.

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?

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.

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 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.

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.

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.

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.

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'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.

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?

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 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.

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.

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.

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.