Bank of America Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The next step was to send the mortgage payment through Western Union. Even though I can show the time, date and amount that was sent, B of A continues to charge me NSF and inspection fees. My loan has been current for years! Now, I make my mortgage payment online. Still more fees. How can I legally fight these thieves? I have documentation to prove payments.

We were not contacted until April 3 by a representative from BofA saying we were late in our payments. We have proof that we either paid the monthly mortgage payments on the first of the month or before the depending on when the 1st fell on the day of the week. We've been trying to resolve the matter with them, but we have been given the run-around. They transfer us from one department to the other, just saying that they cannot help us. As of this week, BofA employees are giving us different amounts that need to be paid to bring our account into balance anywhere from $1000.00 to about $6000.00. Since we started the process, we have dealt with about 10 different people that have been assigned to our case; each one has a different opinion and some of them we have not even spoken to them.

Recently, we have a person who walked up to the door with a list of names. He asked my name and I said yes. I answered, "What's this about?" He said, "This is about making sure you don't abandon your home, making sure you don't walk away." I said, "Excuse me. I have two children. How can I walk away? Who's going to take me in? I have my family here. I can't just get up and run off. I'm only behind two payments." I've been loyal for 10 years. This is a disgrace. This is what we get on a bad economy, people pushing you around for being late. Two payments after 10 years, Bank of America, are you kidding me? This is the thanks I get for being loyal to you. You keep denying my claims instead of modifying my loan to help me stay there. You're the worst bank I ever dealt with. I will email the president about this. I will contact the news media. You will not take me for a fool. I promise that I will never give up. Mostly everyone knows who you really are.

It continued with the following paragraphs: All terms will be adjusted and reflected upon actual dates and verification of deposit receipt, and any adjusted underwriter requirements by FHA guidelines for this loan. Borrower to present this certificate to their real estate professional, seller or home builder as proof that they have been approved for a home loan with Bank of America, NA.

The following day, I left on a ten day trip out of state searching for our dream retirement home. We located just what we wanted and placed it in escrow. I paid for the two inspections that were required by that state and returned back to California. I then paid for a termite inspection on our home and delivered it to the title company. I was shocked to find out the deal was off! BOA said they didn't have all the information required from the buyer. My first response was how could you issue an "Approved Loan Certificate" if you didn't have all the information? I proceeded up the chain of command of BOA trying to get an answer. I felt the least they could do was pay for the expenses that I put out during this ten day trip. I talked to six different individuals before finally ending up with someone in the bay area. We had several back and forth conversations with no results that satisfied me.

I finally asked to speak to her supervisor and she indicated that was not possible. I pointed out that I surely had the right to speak to someone above her. She finally indicated that someone would call me back. Five minutes later, the same lady called me back and said there was nothing they could do and that if I had further concerns, I should contact a lawyer. I had another phone number that had the same area code so I called that number and the individual never returned my call. I have been a member of BOA for forty plus years and I guess it is time to find new reliable bank!

On April 16th, I called Bank of America to ask a simple question and I get this same acct manager. I asked the question and she could not give me a simple answer. She said I owe Bank of America $20. I asked again how. I was told the same story again. I asked the bank manager to process the $20 from my checking account which she did. I asked her flat out, "How much do I owe now?" The account manager said that my account was was current and the $20 fee due will reflect on my acct.

I asked the account manager why when I called, I get her. Her answer was, "Oh, back in August 2011, you applied for a modification." I never got the process started because of the run around Bank of America customer service was giving me. I never ever received the paper work. The process was insane. I mean I felt like my head was spinning between one acct manager to another.

I was laid off in October 2011. I told Bank of America acct manager several times and I can't tell you how many times she gave me a number to call to explain my situation and each time, I was told "you cannot apply for this service if you are unemployed". I'm very frustrated because this is no time to BS me. Each acct manager should know what services are available for whom. I asked my acct manager to remove herself as my acct manager. I no longer want her to represent me in any form or fashion. I have tried for months to be nice about the situation. I've had it. I have become totally disappointed and disgusted with Bank of America service.

I am sending this email to ask that the account manager please be removed from my account. I do not want to call the bank and I'm told she is still my account manager. I have tried my patience with this person. Please, remove her as my acct manager. Please.

I reapplied for the loan modification. It's been a long process and I still do not have any answers. I was told they received all my paperwork which I sent 4 times. I constantly call and get nothing but the runaround. When I talk to my account manager, I'm told several things, different things. This week, I was told my application hasn't been processed and it had been a month since I was told they received everything. I'm so frustrated and been going through this since December. I just don't know what to do next.

After hearing news concerning the President's new program to save homeowners and their homes, I called back to BOA and requested further assistance in applying for a home modification hoping to qualify for one of the new programs. I met the criteria of being on unemployment for 8 months, from March to November. I was unable to connect with anyone except those in the collections department and they were of no assistance and you couldn't get past them to speak with anyone else.

On December 8, 2011, my wife attended the foreclosure prevention session sponsored by the Durham Regional Financial Center, Durham NC. On January 18, 2012, our request was submitted for modification. I. **, Loan Modification Processor, Durham Regional Financial Center, was acting on our behalf. On January 20, 2012, we received from BOA the first notification of foreclosure sale, Ln# **, 1st foreclosure hearing. "Please note that the hearing was continued to 2/28/2012 and the sale date was moved to 3/20/12 at 10:00 a.m. in order to release any loan information that is not public."

On March 6, 2012, our request for home modification file went to BOA for underwriter review. The home remained in foreclosure status. Communication from the bank slowed then stopped. On March 26, 2012, I received a letter from Kimberly **, BOA Home Loan Team, advising they wished to work with us directly, as the information from the HUD office was too slow and inconsistent. She needed additional information to continue the application. This letter was forwarded to our representative I. ** at the DFRC. A call was made to Kimberly **, as a follow-up to ensure the information had been received. I called to the number provided by Kimberly **, 1800-669-6650. This number was connected to the debt collections dept. I asked to speak with Kimberly **, after being placed on hold. No one knew of a Kimberly **. After being placed on hold, I was told she was in another department, and she can only be reached through e-mail. An e-mail was sent to a Kimberly ** to call the home number provided. The call was never returned.

On April 2, 2012, I called again the 1-800 number and asked to speak with a supervisor. I was provided a number of Nicole **. I was told she was the supervisor of the person, Kimberly **, I was trying to reach. I called and left a message 3 times, no response. On April 28, 2012, we received a letter from Stacy ** advising our request had been denied due our total mortgage requirements not equal to the 31% of my gross annual income.I called to the bank at the number provided and was again connected to the debt collections dept. I asked to speak to a supervisor; I was connected to a person named Jacqueline, 877-201-4218 ext. **. I asked her to connect me to either Stacy or Kimberly. I was told by Jacqueline that they (Stacy or Kimberly) were no longer associated with the case since the modification was denied. I asked if there was a supervisor I could speak to from that department. I was told the account had been turned back to this (Debt Collection). When asked who she was, she, (Jacqueline) titled herself as a Credit Advocate. I asked why I couldn't speak with the person that was taking care of my case. She (Jacqueline) told me she could resolve any questions.

I asked why the modification was turned down. Her reply was that I didn't meet the qualifications. I told her the difference in the percentage was $60.00! Jacqueline's reply was the investor was no longer interested. The investor who? No answer. I asked, "Why didn't the people from the Home Loan dept contact me to work through this matter?" She told me they were no longer assigned to that account. I asked, "Is there such a department, Home Loan Department?" No response! I asked, "Who can I talk to about saving my home?" She (Jacqueline) told me I could sell the property or take a deed in trust. I told her either way I would lose my home. No answer!

I asked her, "Is there any other way?" She replied, "Pay it off." I asked her, "I just started back to work. I am trying to make some arrangements to save my home but what you are telling is, I can't!" Jacqueline replied, "Pay up the interest and the back payments and ask for a reinstatement." But there is no guarantee they will agree to do it. I asked her, "Where can I get that kind of money?" Jacqueline replied. "Ask your family." End of conversation.

We have had two court continuances regarding BOA and their delaying tactics. We are no further along now than we were when we first started. In fact, we are right where we started. We are due for another court hearing in May. This is the consequence: Unless we can get some assistance or intervention, we will lose our home

In 9/11, I got paperwork informing me that my 3-month trial modification was approved and that I should call in each payment during those months. The first time I did, I immediately noticed the tone of the representatives had changed. They informed me that they are debt collectors! I asked what for? I wasn't behind in my payments and have a great credit score. They didn't seem to know why I was in collections. In 1/12, I got paperwork saying my modification was final. Two months later, I received a notice stating that my account was being accelerated and something about foreclosure! Stunned, I called BofA immediately and continuously for weeks! No one would talk to me and would only refer me to my relationship manager, Laura **. I left her 27 voicemails over the course of a week. I called her supervisor and her supervisor's supervisor and left them messages on a daily basis. This accomplished nothing. I never got a call back.

Finally, I called BofA and did not enter my account number, claiming that I didn't have it, and when I got to a human to speak to, I desperately begged them not to forward me to my relationship manager but to please, please help me understand what was going on with my account. It was discovered that BofA was applying my mortgage payments to the wrong account and they told me I hadn't made my payments in three months! Although, they had cleared my account! After five hours on the phone with four different customer representatives, it finally got worked out. But then, I received a check in the mail, first for half of my payment amount, saying they don't accept partial payments. So I cashed that and sent out a full payment. Then, a few days later, I got another check for the other half from them with same message! So frustrating! Sometime later, I got a check for $1 with no explanation at all. By this time, I'm wishing my loan never got sold to BofA.

I then applied for the 2nd loan modification in 2/12. I sent all the paperwork in twice and keep getting requests for the same paperwork. I've tried to call my relationship manager, who never seems to know anything about her job or how to do it, and for weeks I've called multiple times a day leaving messages and no one ever calls me back! I'm so fed up with these extraordinarily incompetent people. Good news, though, today I called the Making Home Affordable HOPE Team at 877-300-5454. They are a non-profit organization in place to protect homeowners and ensure that the lenders are following the federal guidelines for home modifications. The man I spoke to was immediately responsive to what I had to say. He conference called BofA and got someone on the line right away to explain the status of my modification. He accelerated my modification out of the BofA collections dept and assured me that he would be following up on my account and checking in with me in several days to ensure a resolution had been made. Finally! Someone who listens and helps! I encourage you to call and see if they can't also help you!

Since I did not have $30K to pay, they start the foreclosing process. Quickly, I hired an RE agent, and since I had a beautiful house in a very nice area, I got multiple offers. My agent presented an offer to Bank of America for $749,000 and while we were waiting on the bank to agree on the offer, they went ahead and auctioned the house for $471K and sold it for $651K. How this was possible, I have no clue! Later, I found out that the investor who bought the house knew about the auction from the Bank of America insiders. He made $128K in a month as he sold it quickly for $779K. I have no idea how a bank can do this as they could have completely get their first and second loan paid off.

The modification process went on and soon we had an offer from BoA for $900 more per month than our current mortgage. I said no, we needed to do something the other direction and was told not to worry, it was only for 343 months. I said no again. This was in April of 2011. I never heard from them again until now and my house, in fact, was sold back then and we have to move out. Today is much different in Arizona than a year ago as far as the real estate market goes. I can't get a rental, homes have gone up in value and I am in trouble. What legal options do I have? Any ideas would be greatly appreciated. I have not moved, but have been given an eviction notice. I now understand why they gave me an increase instead of a decrease. My home had already been sold at auction to Freddy Mac. My mortgage is $416k and the house is only valued at about $220k in today's market.

We went on with the modification process again and again had paperwork problems from BofA's side stating they never received faxes or emails. We finally got through that and was given an offer for our modification of an increase of $900 per month. This was around June of 2011. The sale that happened and was cancelled was in April of 2011. From June 2011 until April 2012, I never heard another word except that when I called they told me there was no sale date scheduled. Now in April 2012, I find out that the sale in 2011 was never rescinded and that I was now expected to move out. Freddie Mac still has the ownership from the original sale. What are we to do? I am looking for a lawyer to get involved with a $10 million lawsuit.

Bank of America had a link to apply for a reduction in principal. I did everything and put the paperwork together and was told I had to go to 7 Mile and Evergreen (very bad area of Detroit) for an interview. Immediately the counselor was more interested in me putting my home on a short sale. I told her I did not want to move and my house is worth $27K less than I owe after 14+ years of on time payments. Three days after I went there, I received a letter saying I was not eligible for the program. I feel the entire thing was a scam to bust up my neighborhood worse than it already is. The CEO's secretary claims it wasn't.

In February, BOA required us to us to release the property, write a new contract and start over telling us we could close in April. Now, we are three weeks out from our closing date and they will not sign this acknowledgment letter, which says they own the property that is all it says. The title company will not close us until this letter is signed and recorded with the city and made public. The city of St. Louis is running three weeks behind in recording of deeds so we will not be able to close on what is now the third new closing date with no idea as to when we can close as no one knows what the holdup is. The property address is ** St. Louis, Mo 63116.

Can anyone help me? The property has been vacant for over two years and one would think they would want this off their books. They chose to foreclose and take ownership but will not sign the acknowledgment. Thanks for wasting everyone’s time BOA.

When he calls you back, they have trained him or went out of their way to find someone who responds like unfeeling robot. If he thinks your voice is showing the least amount of emotion, he tells you immediately to calm down and not get excited. If you ask questions, he tells you to calm down and not get excited. When I ask when I will be getting the final paperwork for the modification, he said "whenever Bank of America sends it".

On Dec. 6th, all was looking good on the Dec. 9th, 2011, the bank said they got my paperwork to call in 20 days. Well in 9 days, they sold my house. Two days before Christmas, a man came to my door and said he work for the new owners. We had one month to move. We have lived in this house for 35 years, have 5 kids and 6 grandkids and one great grandson. I called MHA. No answer. Then the bank and they said we were not on a program. So we went to court to see if we could get more time. The courts are for the new owners, not us. I could even get the judge to look at me and hear what I had to say. I pay my taxes and the bank took my taxes money to help them and now they get my house too. I tried for three months to get an answer but they said they tried to call. Mrs. Angela ** did not get back to them. So why not call me?

Now the bank is having all the CEO's of all the banks (Bank of America) write me and tell me that they tried to call me and MHA. So I don't know if I am coming or going. We got no moving money on where to go and 35 years of things to move. What do you take and what do you leave? This house was my mother-in-law's house for 45 years. Just look in your home and what would you take with you? I almost lost my mine if not for the love of my kids and family. Someone should tell me what happened and why no one told us back in Nov. 2011 that they were not going to help us. We could have done something different. Now we have no home. How are the banks doing this? I have read a lot of story like mine and God bless you and your families. I know what you are going through. Can they do this? I want my house back.

In November of 2012, I received a letter "Notice of Intent to Accelerate". I called and they again said it was their fault and would correct the problem. They have been taking my payment and not applying it to the loan and at that point claimed I was over $30,000 past due. I have received multiple calls from collections agents who then apologized for the mistake.

Every time I call they have to send an e-mail to another department to try and resolve the problem and claim they will call me back. I have yet to be called back by anyone who has said they would. They still have yet to update the loan with the correct payment amount. They claim I am now $5,000 past due. Again, every time I call they admit it is their fault and they will correct the loan and the problems with my credit and have not done so.

I called the title agent back, and we conferenced in BoA. We then spoke with a customer service representative who added a person from the "payoff" department at Bank of America. After investigating the issue, it was found that the check had been received and was being processed by the payoff department. The person we spoke to after an hour of research (Niquea **) confirmed with my self and the title company that the payoff check would be applied to the loan and it would be closed out at the end of the day. Also, we were informed that the returned "partial payment" of $1000 was mine to keep when it was received, as it was included in the payoff amount's total that was quoted to the title company.

Today, April 10, 2012, I was contacted again by the title company. They explained that the payoff check had actually been returned to them with a letter that explained that it was a partial payment. We called Bank of America again on a conference call. They explained that the check was short $57.00 in interest that was accrued on March 31, April 1, and April 2. At this point in time, we offered to wire the payoff amount quoted at the time plus the interest accrued until April 3 (the date that Bank of America's payoff department assured us that the loan would be closed out and paid in full).

The manager (Erin **) we were speaking to today (April 10) said that they would not take any responsibility for their error on April 3 and that they are charging us interest for every day in between as well as however many days it takes BoA to process the payoff (at $19.55/day, in addition to the $1000 that they included and later sent to me for an incomplete payment a month later). After an exhausting 1.5 hour on the phone with Bank of America, we realized that they were not going to take responsibility nor try to resolve the issue with us. We asked Erin to fax a confirmation of the information on the payoff amount for today to the title company. She assessed a $30 fee for this fax without informing either of us.

I am complaining to BBB, because I should not be held responsible for Bank of America's miscalculation on April 3. They should have told me on that day that the loan was short in any amount and I would have addressed it promptly. Instead, they neglected to contact me and allowed the interest to accumulate without my knowing. As I previously mentioned, we were informed that the loan would be completed at 1210 on April 3, 2012.

I have never experienced such poor customer service. I almost feel like they are encouraged to take whatever they can from their customers. Although I am certain Bank of America doesn't care in the slightest, I will never use another BoA service of any kind, including their ATMs. I'm even going to change the channel if one of their commercials come on TV. This company is opportunistic at the cost and pain of their customers. They should be ashamed of their selves, every last one of them. I want Bank of America to refund the interest accrued between the dates of April 4 and April 10, 2012. Their representative informed me on April 3 that the loan was paid in full and I owed them no more money as of 1215 on that day. If we were made aware of the shortage and accrual on April 3 when we called to confirm the payoff, we would have promptly responded to the issue.

I have fax confirmation, email confirmation, and I started recording my phone calls to my representative, Scott **, as I read all the complaints of this process about BOA, and believed they were trying to put me in foreclosure rather than help me save my home. I have supplied everything they asked for and I am lucky I called my representative each time for clarification because if I sent in what their form asked, it wouldn't have been all of the additional information that BOA was seeking. I have left 3 messages and an email and have not heard back from anyone. I hope to save my home but have no idea where to turn now. I have no money for attorneys nor resources to pull from. I financed my home in 2005 with Countrywide that was sold to BOA. I am amazed that they can get away with this especially after their bail out.

I made the December payment. Then in January, my wife's hours were cut back to part-time. I called BOA and told them that I would be unable to continue with the larger payments. They told me, "fine Mr. **, just return to your regular monthly payments" which I did. The following September, I received some funds making it possible to catch my loan up completely. When I called to make the 2 payments I was behind, they informed me that I was 90 days late instead of 60. I said there must be some mistake. Upon further investigation, I was told that the 500 dollars that I sent in back in November of 2010 had been applied toward late fees and that caused me to go another 30 days behind.

After the dust settled, they agreed they were wrong to do this without informing me and they retrieved the 500 dollars and the amount of the December payment that was above my normal payment setting me back to only 60 days late. However, they still refuse to file a correction with the credit bureaus. All three show me as being 90 days late from December of 2010 through Sept of 2011!

Unfortunately, the day I sent two months worth of full checking account statements, along with statement of where the "large" deposits came from, I was told that the case was closed. The reason I was given was - Freddie Mac holds your loan and are not accepting any new loans that were started prior to December 1, 2011. I spoke to the person (in charge of my refinance) who stated "I am on your side" many times, but of course the refinance did not happen.

I contacted Consumer Financial Protection Bureau #855-411-2372 who is tracking response - Recommend to all to do same as they are as reported by them to be responsible for regulations of banks. They did contact BofA with request for response to my complaint. I did get a call from someone supposedly from office of the CEO of BofA. The only resolution offered was to start over.

I am fortunate that I do not have to refinance, but of course would save money if I did. So, at this point, I am planning on at the least filing in small claims court for the maximum allowed in my state of $5,000 for money paid out for appraisal and subordination of $200 (not sure where this money went as it was paid to BofA) and the amount of money I would have saved if BofA practiced truthful working practice and gave me the refinance. Continue on your reporting and I hope others follow my lead with suing BofA in small claims court, as they continue to get away with unethical and financially harmful behaviors to the many.

I called B of A every other week and was told to keep paying my trial payment - I should receive my final paperwork any day. 10 months later, I received a letter stating that because I had never resolved my other debt, I was being denied and had 10 days to come up with $4300 to cover all difference in my payments as well as late fees or they would begin foreclosure. I was horrified. I had to borrow money from my caregiver, who had to sell her other car in order to help me to not only to pay B of A, but also to hire a lawyer to file for bankruptcy. As soon as my debt was released, I reapplied to modify my loan. I began again in mid 2011 and have faxed, FedExed and e-mailed everything that they asked for at least 7 times. My account manager, Evelyn **, said she had everything that the underwriters asked for and I should hear something very soon.

As of today, I have heard nothing from Evelyn, but I received a FedEx packet asking for all of my info as if I had never applied. It said that if I don't send the forms in by May 2, 2012, I may face foreclosure. I am not behind on my mortgage! So, today I tried to reach Evelyn by e-mail and by phone, but the answering machine says that my account manager is now Sylvia and no one will call me back. I don't see why we can't file a class action suit against B of A if we are all having the same problem. My original mortgage was with Countrywide and was sold to Bank of America. According to Evelyn, the underwriters are Freddie Mac.

Bank of America has no intention in reaching a permanent loan modification or re-casting our loan. I believe B of A is giving us a run around to wear us down and then eventually foreclose. Their goal is to take our house after 10 years of on time payments, $150,000 approx, which includes 6 extra pre-payments of about $1,400.00 each and $20,000 down payment. We have been to mediation and successfully completed their temporary loan modification program, which reduced our payment $150.00 a month, taxes and insurance included. The temporary loan modification was reduced from about $1,400.00 to $1,250.00 a month. My wife and I are a small family trying to raise our 8 year old special-needs daughter, who requires 24 hours a day, seven days a week, adult supervision for the rest of her life.

Summary of my complaint:

Our primary residence/only home we own was purchased in Oct 2002 (1581 sq ft, 3bd/2ba) for $200,000 price through Countrywide with 30 year fixed, $20,000 down and 6.5% interest rate. I have excellent credit with over 100 mortgage payments on time, no late fees ever and no refinance ever. I was still employed with the same job for 6.5 years (Clark County School District, Computer Tech). Separation was in 2007 with multiple pay reductions.

First missed payment was in June 2010. I met with Bank of America on August 5, 2010. Bank said I needed to miss over 4 payments before they could help me, so I did that. I signed up for mediation in the fall 2010. I took mediation course on spring of 2011 at UNLV. I attended mediation on April 8, 2011 with Bank of America and a mediator. Temporary loan modification was reached for June, July and August 2011 for $1,250.00 approx. Successful temporary loan modification completed and acknowledged by the bank. More paperwork requested by Bank of America then denied permanent loan modification. Bank said permanent modification would be honored if we successfully completed temporary modification. Bank of America requests $18,000 plus in late/missed payments and junk fees.

Details of actual events:

I originally bought my home back in 2002 here in Las Vegas, Nevada for $200.000, using a Countrywide loan with $20,000 down, 30 year fixed, 6.5 interest rate, excellent credit of over 740 fica score. In 2006, I had a career change and took a job in the Clark County school District as a computer technician. I have had the same job for 6 1/2 years. Unfortunately, there have been many cutbacks in the school district and I have had more than two pay reductions. In 2007, my fiancé moved on with her life and out of our house and that is when I started getting roommates. That was fine for 2 or 3 years, until I had another pay reduction. I missed my first mortgage payment in June of 2010. Until that time, I had never missed a mortgage payment or ever been late on a mortgage payment. In fact, I have approximately 6 extra payments to reduce my principle during that time, as well as over 100 mortgage payments paid on time.

By this time, Bank of America has acquired Countrywide’s loans and I met with them on August 5, 2010 at a corporate office on Green Valley Parkway in Henderson. I was basically told there is nothing that can be done until I get more than four or five payments behind. So on the advice of Bank of America, I initiated their protocol in hopes of attaining some kind of loan modification, or even a recasting of the loan.

As the fall of 2010 settled in, I signed up for a mediation program through the state of Nevada to meet with Bank of America and a mediator. I also met with an attorney to seek representation for the mediation. I gave him a down payment but soon realized I couldn't afford his $2,500.00 costs. Through the Legal Aid Center of Southern Nevada, I found a Mediation class at University Nevada Las Vegas which I attended early in the year 2011. I was hoping this class was going to educate and prepare me for the mediation. Though I learned some great stuff, I'm not sure it did a whole lot for my situation. I also got married in March 2011 for the first time in my life. With my new wife by my side, we both attended the mediation on April 8, 2011, without any legal representation.

The attorney representing Bank of America completely miscalculated my income, thinking I worked a full 12 months a year. So basically what happened was I didn't agree with the income thing, but did accept the terms of a three-month trial loan modification of approximately $1,250.00 a month starting in June 2011. I questioned B of A’s attorney in detail essentially expressing my hesitation due to the fact I thought they would not live up to their end of the bargain, even if we lived up to ours. The attorney assured me if we followed their guidelines, my loan modification would be made permanent at about $1,250.00 total a month. I was hesitant to sign and was told by the mediator at JT Law Group it was a good deal and I should sign it. This was going to save us about $150 a month total from the current $1,400.00 payment. After realizing how my income was miscalculated, I contacted the Office of Comptroller and Currency about the miscalculation of my income.

After completing a successful trial loan modification by my wife and me in the fall of 2011, Bank of America sent us a letter of congratulations for a successful completion. They asked for all our current paperwork again, which we did. Then another letter we received stated we owed over $18,000.00 in back payments, junk fees and penalties. Needless to say, the wind was taken out of our sale at this point and we didn't know what to prepare for or what to do. Through the fall of 2011, Bank of America continued to send us a second trial loan modification packages. In October 2011, the state of Nevada passed new regulations and guidelines that banks needed to follow or could face financial penalties or even worse. During this time, I researched ways to save my home because it was obvious my bank wasn't listening to me, for example NCAA events, etc.

Early in 2012, through the Nevada Atty. Gen.'s office, the National Mortgage Settlement Act passed. This not only brought hope to my wife, me and our special needs daughter, but that even our Gov. of Nevada Brian Sandroval was looking out for residents of the Silver State by hosting an event at Cashman Center in Las Vegas for families and people trying to save their homes.

On March 9th & 10th 2012, I attended that event for over 10 hours. I basically gave all my updated information to Bank of America for the 4th or 5th time. Some of the information they accepted in my mediation almost a year ago was not accepted this time, specifically child-support for my wife's seven-year-old daughter. This time, the bank wanted the court order, which I had and gave to them.

As of today April 6, 2012, my family and I are completely in limbo due to what I think is completely negligence on behalf of Bank of America. Everything has gone silent. I imagine the bank will ask for all my information again in the near future. B of A accepted a $25 billion bailout by taxpayers like us back in 2008 to help homeowners who were still employed, originally bought a home with good credit, had money down, got real loans and never had any missed or late mortgage payments ever. We want to stay in my home. We have income, we have jobs and we want Bank of America to be held accountable for the constant charade they have been putting us through. We are tired of their run around games and the hamster wheel we have been left on.

We started this process in mid-February 2012, and it is now April 4 and all I have been told by Bank of America was that my "subordination agreement" is in underwriting. All parties--broker, lender, title company and me--have satisfied every request made by the Bank of America underwriter, including an affidavit stating that I have never had to pay dues to an HOA. I guess the title states there was an HOA, when the house was built in 1987; and their underwriter needed proof I was paid in full. I told them I have never paid dues and questioned why the lender who was actually refinancing my 1st mortgage did not make this a condition from underwriting. And I have tried to remind them that this is merely a subordination agreement, not a refinance.

I have had (3) anonymous title companies look at my title and all three have eluded to Bank of America as a joke. There is no way that this $19,000 2nd mortgage should have taken this long to process and sign this subordination agreement, unless you are Bank of America. They are so large and out of touch with their customers that they do not care that every day they delay finalizing this agreement, it costs me money. All they want to do is hold their greedy hand out for the payment I have made on time since June 2005. What am I getting for this payment certainly is not customer service!

From that point on, it was down hill. I was directed to a gal named Cheri ** who was less than helpful. I would check in approximately every week and every two weeks they needed something different from the underwriter. This went on for 2 months. Then I was informed Cheri had made a mistake and they needed to resubmit my refinance. That was mid January. And again I had sent in more info. It was like begging for money. That brings me to this week, Monday, April 2nd. Cheri had said the following week you will be able to sign papers for your loan and it should be final. But no! On Monday, I was informed I need to get another appraisal and I would have to pay for it.

There are some cracks in my foundation and had been informed I would need an engineered system and I should have known about the cracks. Well yes, I did know they where there when I bought my home 11 years ago. There was still no insurance that I would get a refinance with a second appraisal. I used a choice of words. I had had enough. It had been 3 months of nothing but headache.

I have been a valued customer of BOA for several years and that is how they treat their customers. I have always paid my mortgage on time. I have a high credit rating, I work extremely hard for my money and this is how I am treated. It really is too bad that BOA is not willing to work with me.

Finally, I contacted an attorney and filed bankruptcy and then in November started this loan mod process. I am experiencing exactly the same as everyone else's posts. I am on my second relationship manager, lost paperwork, etc. Because of this, BofA has now filed a foreclosure suit against me in the local court even though I have been in this hell of loan mod process for over 4 months. Yesterday, my relationship manager, Franklin, told me that he was no longer allowed to email me only discuss by phone. Really? Wow, it sounds like to me they have something they are hiding or do not want to be held accountable for. I cannot believe that our government is letting this company get away with all of this. I do not have a good feeling about any of this but I plan to forge ahead and if I must, I will sue Bof A.

BofA is showing my SS income as $2516.12, when it is only $2012.90. They admitted that my bank statements show the correct amount but said there was nothing they can do about it. One representative told me to go ahead and make the trial payment as outlined in the trial plan proposal (which I cannot afford).

The next day, a different representative told me not to make the trial payment, because if I fail to make subsequent payments, I would be disqualified from re-applying for the modification. Is there anyone out there who can tell me where to go (other than an attorney whom I simply cannot afford)? Besides, I've already been there. The shyster did nothing for me, except take my money. Please, someone, I need help!

When I originally called in January though, I hadn't started the modification process yet so I was transferred to a live person. That person collected a lot of information from me to start the loan modification process. He said I was pre-approved and would be sending me a packet to complete and return with the necessary documentation. I still haven't received the packet! I've been calling for the last several weeks and am getting really frustrated.

Now, I've received notice that my property is scheduled to go to sheriff's auction. I lost my job last year and fell behind on my mortgage. I knew when I called in January it was in foreclosure but the man I talked to told me I could do a modification and save my home. Now, it looks like I am losing it after all. I just don't understand why they never sent the packet and now they won't call me back. How can I talk to a live person?

On February 9, 2012, we informed Mr. ** as well as the escrow company of the short in the reimbursement amount made to us by BofA. After additional explanation provided to Mr. **, he agreed to the short of $86.25 that was not reimbursed to us by BofA. He repeatedly told us by emails (February 10, February 22, and March 12) that he is working to get us reimbursed. On March 12, he emailed that his manager is approving the reimbursement.

To this date, April 1, we have not heard from Mr. ** nor have received any indication that BofA is sending the $86.25 they owe us. We have given BofA enough time to work this out. We want BofA to send us, in this week of April 2, 2012, the $86.25 that they owe us.

The latest is I'm now on the second relationship service manager of the CEO's office even after they stated that I would only have one. Bina ** was the first. Of course, more documents to fax and never any phone calls back. She said three weeks ago that we were going to finally get an answer next week on modification. But two weeks went by and there was nothing.

Then, we got a letter saying that Darion ** is our new customer relationship manager. We tried calling but never called us back. Finally, on 3/29/2012, I was able to reach Darion ** and he said that he would need more paper work. It was the most recent mortgage statement for my income property that is also with Bank of America. I said, "You are the servicer of that loan, you should be able to pull that up right now on your computer." He said that they needed a copy faxed to them.

Well, after I got off the phone, I decided to call the 1-800 number on the most recent mortgage statement. I want to make sure that the loan is in no way connected with our main home loan. It should be just under my name as our main home is in my husband's name. They both have different account numbers. When I called, the automated voice said that I will be transferred to an account representative. And guess who answered? Darion **. I said, "How are you in charge of this loan? I'm not in default or asking for modification." Can anyone tell me how this works because Darion ** could not? Is there really a CEO's office with customer relationship managers? And what is a customer relationship manager anyway?

This is not the way to assist in helping consumers to sell their homes when they are in a dire financial bind, especially by workers in the system whose jobs are based upon riding on the backs of these consumers.

I received a letter stating that the only change to the loan was an added $4300.00 for attorney’s fees added to my new mortgage loan. There was never an appraisal done to the home and the value of what the market value of homes in the area, so I tried a short sale for 11 months. The bank dragged their feet. And as the home market kept decreasing, so did the value of my home. They assigned a third-party collection agency (AMO Recoveries) to sell the home. On March 20, I received a FedEx package saying I had till 3/29/2012 to continue with the short sale or enter into the HAMP program. I called them and told them I wanted to take my home off the short sale market and try to save my home with HAMP. I called AMO Recoveries to further get details about the program and found out that the account with AMO was closed.

I notified BofA and within 24 hours the house is in foreclosure. America needs to get rid and shut down this nasty practice of cutting people’s lives into poverty for the profit of several dollars. As of today, I don’t know where I stand in trying to save my home. I was given a lawyer’s number about the home in foreclosure. I called them and they said no, the foreclosure was stopped in May 2011. So what is BofA achieving with not knowing what they are doing with people’s lives in America?

I received another payment book that my payment was $950 some dollars. That's double than what I had been paying! I got a letter in the mail from BAC that I requested of all transactions which involved the taxes. I looked at it and immediately called the tax department of BAC because they had charged me twice for taxes. The individual again apologized and fixed the problem, and sent me another payment book of $650. Okay, so I thought. I was finished with this ** to only learn that all this was costing me over a thousand dollars in late fees. I called several times to get this straightened out but with no avail. I fell behind one month in December of 2010. I called BAC in March 2011 to see if I could make partial payments towards that month and the response was no. They wanted the month plus the late fees from the mess before.

I called again in April, May and June. It was in June when I learned that BAC had put my house in foreclosure back in April of 2011. I never received a phone call nor a letter from BAC. I only received letters via Fed Ex about the late payment part and that's it. I know BAC owes me money from putting me into foreclosure and not telling me. If I had known this, I would have never kept calling, and kept making payments. In November 2011, I called BAC to see what I needed to do about the foreclosure to only learn that my house was going to be sold by auction on December 6th, 2011. It was at that moment I stopped total communication with them. I never in my life experienced this sort of scamming. It is scamming when BAC puts someone in foreclosure and never tells them. Can anyone help me with this?

I called in February because I hadn’t heard anything. I kept leaving voice mails and not until I left a voice mail for the supervisor did I get a call back. That call said that I had to turn everything in again because it had been too long since I applied. Whose fault was that? Now, I call every week and maybe get through once every couple weeks. Since February I have turned in 3 applications, numerous rounds of bank statements, 2 letters of hardship and my signed tax forms from 2010 twice. And since one week ago, I have not been able to get through again! The worst part is because we claimed bankruptcy after they denied us in February 11, we cannot refinance anywhere else. I believe they know it and are stringing me along. The value of my house has dropped from $400000 to $208000 in 7 years.

In January 2012, I received the mortgage interest statement for the 6 payments I made in 2011 and I filed my taxes. At the time, my permanent modification had not been finalized yet and my loan had not been brought current. This was finally done at the end of February and I received a corrected mortgage interest statement last weekend stating that my interest paid in 2011 was $0. At no point was I informed that my 2011 payments would not be eligible for deduction on my 2011 taxes, though there were a couple opportunities for them to do so. I contacted BOA and all the rep would say is she was sorry, but when they brought the loan current those payments were posted in 2012; so, therefore, those amounts would be on my 2012 mortgage interest statement.

Now, I'm stuck having to amend my return and owe my refunds back to the IRS and State Treasury and possibly have a tax burden in addition. It will all probably be less than $2000, but I don't have that kind of money laying around after being without income for 9 months as a single parent of 2 teens and only working at market rate for a year and a half now. I'm still digging out, but through no fault of my own I'm back in the hole. I can't believe it isn't illegal for BOA not to inform you of their process and its serious tax implications! It was bad enough that BOA stretched this modification process out for over a year after my income could've supported making payments on my mortgage. Now, their process is putting me at risk for being delinquent on my mortgage again or being in debt to tax authorities.

Then they didn't have all the paperwork. We sent more. But still no response. I kept up fighting for 3 years with them. But when they kept an insurance check for $9,000 we sent in to property claims for signature (roof damage), they kept and applied to escrow. Not even applied to our premium! It was then I saw that BoA had no scruples. No intention of helping us! We tried over 3 years to get help from them, calling them and they never, never responded.

Now my husband with MS lost his job. We declared bankruptcy and wrote a new hardship letter. No response. So after hiring an attorney, we have asked BoA for our deed. We were originally Countrywide and sold to BoA. With that sale, there was no deed/title paperwork. And now we know that is why we couldn't get a loan mod. We are suing them and hope every other BoA customer do the same. If they can't prove they have your deed, they have no right to claim your property. They are such a horrendous company and need to be taken down. Sue them! Just ask for your title, especially if you were formerly with Countrywide! They will have to dismiss your mortgage loan. Don't let BoA ruin your life any longer! Take control!

I continued to send payments of $1250.00 to them each month, and the checks were cashed and then returned to me because the amount was not enough to cover my mortgage! Each month, the same thing happened; and after that, all my checks were returned due to the same thing! Why in the world is this company allowed to continue with the pretense of helping their valued customers?

Since November 2011, I have received 6 FedEx packages which included loan modification applications! I've sent four of the same packages back to them, and each time, they have additional questions! I even met with a counselor on March 1, 2012 who helped me with the paperwork. And then I got a call from someone else who had questions about the application! Really, what are they doing behind those desks and computers!

I have faxed information and sent an email for which I received a reply that the counselor that I met with wouldn't be handling the paperwork and that the loan modification is not guaranteed! I haven't made a payment for February or March, because every month that I've sent payments to them, the checks are returned!

I purchased this house 15 years ago as a single parent who was also taking care of an elderly parent. (My mother passed away in December 2008, and her passing sent me into an emotional rollercoaster.) I continued to make my payments and even tried to increase the payments, and I had a check sent back to me because I had paid too much!

I have numerous hardships from 2010 to 2012, but I have tried to keep making the payments. Right now, I don't know what to do! The only thing that I can see my self doing is filing for bankruptcy! My credit is shot to hell now! Why hasn't our government made this company give account to their wrongdoings! Bank of America is more like the bank of thieves!

Why is the public penalized because they have outdated systems? I pay you at the branch and since you send my check to the mortgage department, it's not applied until 7-14 days later (what part of the game is this?). Now I received the check, which I have not cashed. I went into the bank for clarification as to why it was sent and here I am, not satisfied at all with the answer. They should contact the credit bureau and have that removed from my report. They also paid my taxes on time and did not let the new company know, whom also paid them. Funny how they both use CoreLogic to make the payment and no one caught this, but I'm expected to pay Nationstar (new mortgage holder) additional escrow until the county sends them the refund. It's bad enough we can hardly save extra money and now I have to submit it to you for your mistake. There is seriously something wrong with the way consumers are getting shafted when we do what we're supposed to do.

For the past two years, I have continued to provide B of A with proof of home owner’s insurance. I have had my Farmer’s agent fax at least five times letters of experience directly from Farmer’s website. I have contacted the insurance commissioners, Balboa Insurance, the insurance company owned by Bank of America, and furnished declaration pages for the same policy same number that I have and have always maintained. Three weeks ago, I was contacted by Eric **, an account manager for Bank of America. He informed me that my home was in foreclosure and that I was at least four months behind. Wow, I said, but I have not at anytime missed four consecutive payments.

After numerous calls, it is clear that Bank of America continued to bill me for insurance even after they had proof that the property was insured payments where never applied to my mortgage, but instead placed in escrow and applied to forced placed insurance. Although, I have never revived a written notification, my account was credited for almost all of these payments that were erroneously credited to escrow. But any payments that I try to make are being returned and I can't get anyone to help me. The fact that I have an account manager is a disadvantage because he is rarely available and no one will talk to me or transfer me without him on a conference call. And to make matters worse, I have back taxes and because of the foreclosure the bank has paid my taxes and added that to the tab.

However, I am only two months behind only because they won't accept my payment and can really foreclose for back taxes. My seven children and three grandchildren live in this house and I work as a child care provider from home. To lose my home would be to lose my job. Foreclosure is a result of non-payment; I paid and they took my money and misapplied it. Somehow this just can't be legal. Pay mortgage first and anything else is secondary. No one returns calls. It’s a set up. The last person I talked to was Charlitha **. She said she would respond by Friday. No such luck. Eric said he would call. There’s no call.

I can't lose my home. Over the past two weeks, I have been diagnosed with high blood pressure. I can't sleep. I have a constant stomachache. Yesterday, they added Ativan to my medications—chest pain all for what. Please help. Please.

At this point, I was in touch with the program Keep Your Home California, who finally took the loan and paid all back fees and brought my mortgage up to date. B of A falsified to them in a letter, which I have, that I owed for January 2011. No, I had paid that month. Then, right after the program was done, all of a sudden I was $1,900 in arrears. Seriously? I have made the monthly payments since then, but in emails this has not been resolved. I refuse to answer their 5 calls per day because you have to tell them the same thing over and over. They are idiots.

Now, for some other news: my tax bill has been lowered as I have proven to the County Tax Board that my house is not worth what they were basing my taxes on. Did B of A get this memo? Of course not! They now have billed me over $200 more per month. To top it off, I just had someone come to the house to "check" if I was still living here and the bank will charge me $35.00 for this "service," which I will refuse to pay. Even the gal who came here said that B of A is a nightmare. So what to do now? Suggestions? Thanks!

Oh, wait! One more thing: months ago they had sent me documents to sign, under the guise of the company sending them, that they were here to help the homeowner fix the problem. False! This company was a collection company hired by the bank and they present themselves as a company who will help the homeowner with their problem. It is a company designed to get the docs signed and to help speed up the foreclosure process for the bank. Very devious.

c) Add the so-called $9000.00 to the back of the mortgage (which I don't believe is correct)

I was told by BOA that we don't qualify for the HAMP since our mortgage payments are not 31% of our income and at one point, I was given a call saying they can drop the interest from 7.2% to 5%, which was great but the next week, I received a phone call saying the investor (Wells Fargo) did not approve it. I am so frustrated with all the time and effort I am putting into this as far as trying to get some help and feel like if we don't go into foreclosure, we will not get any help at all. I have even contacted the New Hampshire Senate's office and I can not get anything done there as well.

My husband and I are hardworking people and with the hardship of losing $200.00 a week from my place of business in January of 2010, we tried to adjust for a year and found it to be very hard and just asking for assistance in reducing the mortgage as I don't want to sell my home and will not sell it if at all possible. I keep getting the answer that on paper it shows we have enough income to pay our mortgage with sufficient amount left over to pay for the 2nd mortgage and everything else. I don't understand how they can figure it out other than they are not including the taxes and medical insurance that is being deducted from our pay each week. If that wasn't being deducted, then maybe I would say yes we can do it.

Our income in 2009 gross was $110,379 2010, $111,1123 and 2011, $102,000. So in 2011, we made almost $10,000 less than in previous years. The government wants to help keep people in their homes, then why can't we get the help we need?

I was originally denied the loan but because I called, asking isn't it more important what I am making in the future? So somehow, someway, the loan was approved. I was told by a rep that I asked for it! I would have preferred an explanation as to why I couldn't afford it, not have my life ruined, to teach me a lesson. BOA should all go to jail. Have you seen their HQ building? It looks like Hitler's pad.

I cannot get answers from BOA, so contacted HUD who has initiated an investigation. Three months have passed, now I'm in danger of foreclosure, because of ineptitude on BOA, or a conspiracy on BOA's part to stick us in a loan of their choice, when all we wanted was to use the Keep Your Home California program for which we were eligible for and would have kept us current on our mortgage to give me time to find another job.

Now we may be foreclosed on or have to short sale our house. We have been trying to work with BOA over the past few months to no avail, always getting a different story, never getting paperwork or call backs. I am a combat veteran, who lost his job because of a plant closure and I should be the one to get help, but all we are getting is the run-around, in order for BOA to take our house. I don't know where to turn.

We have a 4-year old who doesn't understand what is going on. We are homeless, having to live with my mom and dad until this is all resolved. It's a nightmare. We paid for the rent certificate that cost us $1200 that we really can't afford just to get this closed. Crooks! I bet they keep it too, should this not come out in our favor. I smell a lawsuit that shouldn't have to happen! We are preparing to take legal action. They say they have everything they need, again, for the dozenth time and said we should be good to go. Then we were just told that we need to get a pest inspection done and it was done already! This is just beyond ridiculous. I have names and all the PDFs we have sent back and forth to these **! I am tired of being nice and not getting anywhere. Crooks! Horrible customer service, horrible, horrible company.

When this falls through, we will be taking our banking elsewhere and I will see to it that everyone I know who banks with BOA does the same! Debra **, Robert **, Shannon ** and Steve ** are the ones supposedly "on top of things" and "rushing it". Full of crap! These people should be hanged for what they do to people. I really hope they pull through like they promised over and over. Again and again. Unbelievable and beyond ridiculous! Don't bank with BOA or do any business with them. They are crooks and have no idea what they are doing, messing with people's lives. This is the worst thing I have ever been through in my life!

I am now in foreclosure and my lawyer could not seem to understand. The local court system, the "good old boys," feel that the bottom line is--"You didn't pay your mortgage regardless of the circumstances. BOA has grounds to foreclose." I've gone broke trying to keep my home and paying attorney fees. My credit has been ruined and I can't even find anyone to even loan me a dime--not to mention a refinance on my home just to get away from BOA.

FYI, my mortgage started off great with Countrywide. We had good credit, good rate, great income and then nothing. My husband became ill, got hospitalized, fired by his employer while in the hospital, lost medical insurance, lost life insurance and his life on 11/7/2007. We were responsible homeowners, not dead beats. Luckily, for me, the surviving spouse with no children, is that I have been gainfully employed this entire time as a nurse practitioner with a Masters in Nursing.

In October of 2009, I applied again and qualified for a forbearance program. I was able to pay half my mortgage payment for 6 months but unaware of the fact that the other half was adding up in a past due amount. The program was not completely explained to me. In October of 2009, Bank of America bought my mortgage from First Franklin and my mortgage is currently still with Bank of America with a monthly mortgage of $2,575 a month and a 7.95% interest rate. I was told to apply again for a loan modification.

In March of 2010, I applied again as instructed by Bank of America. In the transition from First Franklin to Bank of America, no one seemed to be on the same page and I could never get answers from any bank employees and when I did, it was always something different than what I was told the time before. I was really concerned as well as very frustrated with the situation.

In May of 2010, I was told that my paperwork had expired while in possession of Bank of America. I am not even sure how this is possible. Now, I am making partial payments, figuring it is better than nothing. Apparently, this is not the case. Bank of America was applying my partial payments into an unapplied funds or suspense account and it took me months to get them to apply it to my past due mortgage. In May, I applied yet again for the modification.

In July of 2010, I was denied again and was told to try applying for the Making Homes Affordable modification. In August of 2010, I applied for the Making Homes Affordable Modification while collecting unemployment and was denied once again. In August of 2010, my unemployment had ended and I was running out of options. In this time, I had gotten married and now my husband move into the house with me and my kids.

In September of 2010, I had my husband write a contribution letter stating that his pay was going to be used for the mortgage payment since his name was not on the mortgage. I applied again for the Making Homes Affordable program. I received a letter from Bank of America congratulating me on my first step in the modification and that I would be notified in 30 days of my status. The 30 days came and went, I heard nothing. I called Bank of America weekly to find out my status. I was told each time I called that my modification was in Phase 1 and I would be notified in 10 days.

In April of 2011, I called Bank of America to find out the status of my modification and inform them that I had started working. I was told to fax over 2 recent pay stubs. I faxed my pay stubs to Bank of America on April 7th. A few weeks went by and I started calling again. Now I am being told my modification was in Phase 2, finally seeing light at the end of the tunnel. Another month of calling and getting the standard answer, “Your modification is in Phase 2.” During the 2 years this modification process is going on, I am receiving letters and phone calls from Bank of America, not to notify me of my status, but suggesting I apply for a modification. I was already in the middle of one!

In July of 2011 on a follow-up call to Bank of America, to my surprise, I was told my modification had been denied once again. I asked the agent the reason for the denial and she continued to tell me it was because of the change in my income. I told her when I called and notified the bank of this change, I was told to fax in 2 pay stubs. I asked if she could explain the reason for faxing my pay stubs if the modification is denied and I have to start over because of this change. She could not give me an answer. I then asked when Bank of America was planning on notifying me that my modification was denied. She said that I had already been notified, not in writing but by a message left for me. When I say message, I mean an automated recording that is automatically cut off when it goes to an answering machine and never once does the message state that it is Bank of America calling regarding my loan! I feel Bank of America should have sent something in writing. Perhaps by certified mail or a phone call by a person, rather than a recorded message.

In November, I went to the Bank of America Assistance Center in Chicago. I filled out every form they could possibly need and then some. For the past 3 months, I have been told I am in Phase 3 and my modification should go any day now. I was notified yesterday that once again my paperwork has expired and is older than 90 days. I have to start over once again. This will be my 10th time filing for the modification and 3 years of getting the run around from the bank!

After the modification, we noticed we were a month behind from the start. After calling BofA, they stated it would take 60 days for them to adjust our account from the ARM to the fixed rate (which took place in October of them fixing the account), but had only given us 10 days to hand over our money and once they put everything through, we were still showing a month behind. At this point we started to refuse to make payments until this was fixed. They told us we owed them the money and that was that. I called them every week from October 2010 until May 2011 (making payments when we could) until I spoke to a supervisor who saw the error.

We were four months behind according to them at this point and once the account was fixed, we were only two months. We talked to them about getting modified again and to pay off slowly the two months we were behind to catch up. We went to make the first catch up payment and it was rejected and we were told we were four months behind yet on our mortgage that we had to pay, or else foreclosure proceedings would persist.

Long story short, we could no longer make payments and fell into default all the while working with a supposed mortgage counselor (3 to be exact) and spent numerous hours and months to apply until we received our last denial letter stating we were denied a modification due to insufficient paperwork. This was after the counselor told us everything looked great! Were were then served our court papers 2 days after Christmas (2011) and are in the process of being foreclosed on. We have hired an attorney, had meeting with modification counselors (who say we may not be eligible for a modification because we already had one in 2010), so at this point my husband and I are letting our attorney handle everything.

All of their so-called workout programs are a fraud (attorney has even confirmed that with us). Why does the government keep bailing these idiots out and killing the Americans with their hard earned dollar? Because they own BofA and can do whatever the heck they want and kill the American dream of homeownership, all to keep their pensions and money intact for themselves.

The document people took up way too much time with our condo association board member, telling them that we must have a street maintenance agreement, because we are responsible for our street. Yes, she sent our by-laws, which stated that we were responsible for the street. The document people continued to press for a street agreement, which we do not have. That’s crazy! I will save this as a draft, and keep sending to the higher ups in Bank of America. No wonder the bank has to pay hundreds of millions in repossession fines, as there are so many inept people there.

For years, we have written letters and spent hours on calls trying to get this fixed. So, they are charging us for the year they lost and a whole new year we already paid out of pocket. They put most of my payment into a shorted escrow. They essentially stole money from us and will not do a ** thing about it! They are still stealing every month to replace an escrow shortage they created.

He finally did and said that the fee is from outside, and that nothing he can do about it. I emailed his manager and she said that if the appraisal went through, then the fee is non-refundable. I just want my $470 refund back since the loan did not go through. This fee was supposed to be included with the mortgage when the loan is approved and also part of the package (with closing cost). Can I get an explanation from this issue?

I have tried short sale, deed in lieu etc. but everything failed. Banks were too greedy and would not accept any of the offers without also having us give them our entire $401K savings (which we did not). I keep calling them and they tell me that my home has not met the criteria for a foreclosure review? Seriously?! An empty home without a single payment for almost 3 years and they don't feel it's necessary to foreclose?

I am getting very suspicious of their reasoning and have on many occasions asked to be put through to the department who makes such decision for a home to meet foreclosure review guidelines, but of course, they don't know any contact numbers or people to talk with! Lies and more lies! If a department exists within a company, there is a way to get in touch with it. Can anyone give me some advice as I am highly suspicious of Bank of America and not quite sure why they want to delay the foreclosure. Thanks!

The day before the loan closing was scheduled, I was called from BOA and was told I needed $5,000.00 to cover taxes and insurance escrows! I was shocked since I was never told that and then begged and borrowed to get the money since the modification was going to help. The attorney then came to my home to do the closing and my husband’s name was missing from the paperwork since he was supposed to be on the deed. After an hour of signing documents, the attorney left. Once I was ready to do my taxes, I took out the loan documents and noticed they added over $10,000 to my principal to close the loan! What kind of modification is that?

I called BOA and told them I was unable to afford the loan and I needed a modification, they told me I do not qualify since I refinanced with them after 2009. I explained to them that I was not told it was a refinance and they charged more to my principal since it was a streamlined refinance. I was not told any of this. I am now so upside down in my mortgage just barely affording the payments. My husband is now laid off and his name never even ended up on the deed. I feel like I was taken advantage of by the bank and ripped off!

She also said it’s not necessarily my fault. Okay. I inquired if there is any mention of a principal payment needing to be received after the first of the month in the original paperwork that I signed for the loan. Answer: no. I asked: Did the person who completed the application process with me have the knowledge and obligation to verbally inform me of this since it was not communicated in any way by the B of A employee who processed my initial loan? Further, should the CS person I called at B of A who sent me the analysis on 4/12/11 be obligated to inform me of the first of the month date? At any step of the way, this could have been corrected if the employees at Bank of America had been trained properly or followed process and procedures (if they have them). This is the fault of the bank and the employees. I do not think the branch CS person nor the person who issued the account summary are knowledgeable of this issue "rule".

Today, I went all through it again. I had made a $1200 principal only payment on 2/29/12, which is after the first of the month coincidentally and they still screwed it up. I asked for another account analysis and indicated that they are liable for the interest out/principal that they incorrectly applied to my account. They actually backed out my payment and deducted it from the principal payment. It was before the first but their new excuse is they thought since it was close to the first of the month, they would just process it the way they wanted. Okay, once again, you can't have it any way that you care to screw over a customer. A long standing customer, I might add. The payment research department said they would correct just this last month’s error and the rest is screw me. They misappropriated my payments since the inception of this loan. B of A needs to do what is right according to legitimate banking processes. The whim of apathetic, improperly trained employees should not be allowed to financially impact a customer and then say screw you.

I have a summary statement of my accumulative payment history from 5/28/08 through 3/14/12 (I can provide only 3-4 pages) and recommend that B of A corrects the errors and credits my principal balance with the money they inappropriately used for interest. I requested an interest rate sheet for accuracy for each year. I signed a contract with B of A that clearly states my principal only payment will come out of my checking account. No exceptions. Please help me. I am disabled, on a fixed income and am dedicated to my financial responsibilities. This is unfair. This is a continuing banking error. Lastly, every "principal only" payment I made I took a yellow highlighter to the line that said "Principal Only.” Not only are they arbitrarily ignorant, they also disregard a bright neon yellow marker. I can only take so much anxiety. Please help right this on-going wrong. Thank you in advance for your consideration. Best regards.

After 6 months, I still have not been approved for the program. Every 3-4 weeks, I am contacted by a representative requesting the same paperwork that was initially submitted. Over and over again, the same information is requested. I have asked to speak with the representative’s boss or someone in a higher position and I'm told "there is no one in a higher position. I am the only person who can help you." Hello? So again, for the 15th time, I will send the entire application and contents in again so they will have the "most up to date information".

I know someone who tried to qualify for the modification program and has since lost their home to foreclosure because they could not make the payments. Had Bank of America processed the paperwork the first time received, maybe they would still have their home for their 3 children to grow up in.

And in the meantime, he had gotten another job and they needed those pay stubs. We sent it yet again within days. On October 6, they said they needed more pay stubs so we sent them. In between all these times, we were told that our information was with the underwriters and we should know something soon. Then we we would call back to check and finally getting a hold of our loan officer, she would request more paperwork and we would send it. At one point, we were told that it had been kicked out because we didn't send all that was asked for! We would send stuff again. Finally after having to call supervisors upon supervisors, we heard from our loan officer last night, March 13, and was told to send most recent pay stubs and to fill out a form from the Making Homes Affordable government's site. This is all a huge runaround and while I don't want to lose my home, I am about to walk away and rent someplace. It's just not worth it anymore. They say owning a home is the American Dream but it's more like a nightmare, especially if you have to deal with Bank of America.

In February 2012, I went online to make my February payment, only to discover that my account was stating that I had not paid my January payment. I called BOA and spoke to a representative, who realized that my payment made to BOA for January had been applied to my principal. I told her that is not what it was for, explained the situation and we went through the steps to correct it. While on the phone, she asked if I would like to now pay my February payment, since she had notated my account and had made the correction to my account. I said I would like to do that because that had been my initial intent when I had logged on to my account and had seen that BOA had made an error. Next, she took my banking info (of which I currently had a balance of $31,000) and she gave me a confirmation number. She had me void a check in my check book and told me I needed to call back tomorrow, just to inform the department that the $55 late free accrued in January would be applied to February instead. I did not understand it, but she said not to worry and she would provide that information in my notes so that anyone I spoke to would understand.

Tonight (two weeks later), I got online to pay my March payment and noticed that BOA has notated that I have not paid my February account! I called BOA and explained the whole situation again! Explaining that they failed to process my payment so I don't want a mark or foreclosure procedure to begin; considering in 7 years, I have always paid my mortgage payments. The representative could see that some sort of notation had been made to my account, but that nothing had been processed for payment. I gave him the confirmation number that the original rep gave him and he said it didn't match their "code" of confirmation numbers. Online, my account was noting that BOA and its affiliates were making arrangements for proceedings and I asked that since this was obviously BOA's mistake, that I wanted to be assured in writing that no proceeding would continue and that they would contact the credit bureau of their mistake.

He said he couldn't guarantee that. I said, I am in good faith and that I have currently have over $30000 in the bank and that I would pay all the way up to April in order for BOA to offer a certified correction letter to me and to the credit bureau and offer me an apology. He said he could apologize, but could not guarantee anything regarding my credit or the actions of BOA. Even though he apologized and did state that it was an error on their part, both in December and in February, he made reference to some "glitch" in the system on that day (February 29th). What can I do? Isn't this misappropriation of funds in December thus, causing a domino effect with me being the one effected? Any help would be appreciated.

The last set of modification documents were faxed again on January 5, 2012. Still nothing, because now the loan officer says they are so swamped with a backlog of modifications that he can't give me a timeline for a decision and he doesn't know anything else about it. But if I want to come up with a huge lump sum of money to reinstate the loan, I can do that now or can enter a payment plan for the same huge sum of money that the BoA corporation is making me accumulate. I am stuck between a rock and a hard place go to BoA for help, because I want to pay my mortgage just with a little lower monthly payment and this is how I am treated. Not to say that when paying my mortgage by phone the customer service person told me I could pay a smaller amount because I had an amount in my partial payment account. Not true.

So again, your company gave inaccurate information to a customer who trusted you and that your employees new the procedures. This little incident set me back another two months of payments not made on time. I try to do the right thing but I keep getting knocked down by BoA. I don't know if this lawsuit against them and Countrywide will affect my loan in any way. Wish I knew.

So when I called the next day, I was told I was assigned a case manager named Emily to which I contacted and was told that my loan was already in foreclosure on the same day of the notice. She said BOA would not accept the pasted due balance or any payments that I had to clear the foreclosure. I pointed out misapplied payments on the account and numerous errors on BOA to which on the phone with her and the payment research one misapplied payment was located Oct 2011.

I called today because there is a Nov 10, 2011 payment sitting in miscellaneous to which I requested to be applied to my payments. BOA in fact owes me $5,000.00 that was put in the escrow account that should have gone into the payments for our loan modification on 09/2009. There are numerous errors on this account as it was inherited as a Countrywide Loan.

We were a Countrywide loan, did a refinance back in November 2005 to an adjustable interest only with a pre-payment penalty for five plus years, and have experienced substantial loss of income and medical hardship. And like I said, I have been working with BofA for 2.5 years and gotten absolutely nowhere fast, except 15 payments behind. Now, we are in foreclosure with no sale date, and the bank has a hold on our account per Rincon Trust and they are waiting for instructions from the bank on how to proceed.

We have a forensic loan audit that I submitted to BofA and all kinds of other documented issues with this whole loan modification process to the CEO/President's office who has assigned me to an advocate who is researching everything. I also have filed complaints with my state's Attorney-General's office (AZ), helpmewithmybank.gov, and various other entities to try to assist me to get a loan modification.

I have been told so many different lies by BofA and do not know what to believe anymore. We thought we were in underwriting for a modification for in-house review after being denied for Hamp (no reason for denial known per the CEO's office). But we just found out from a local BofA branch worker that our scanned file is a complete mess and they believe it will be kicked out by the underwriter whenever they decide to look at it, which according to this branch worker, should have been touched within three days. Yet it has been almost 30, and it is still sitting in this person's queue.

We want to save this house. We are really upside down in it of course, but we just are requesting a low monthly payment we can afford. Principal reduction would be great, but we would be happy just extending the loan from 25 years to 40 with a fixed low interest rate and a low monthly payment we can afford. I have even emailed to the investor Bank of New York Mellon, who emailed me back and said they are only the trustee (whatever that means) and to contact BAC. A new Deed of Trust was also just recorded at my county recorder's office on March 2, yet nobody at BofA knows about it when I called to ask. MERS was also corrected recently as well.

Is there anything else I can do to get this resolved and stop the games over at Bank of America? Is there anyone else I can file a complaint with or contact that might be able to assist me? This has become a full-time job for me here to try to save this home. Please help! Anything I can do I will try. How about the news? Is bad publicity any help? We were just told we were put on a list for someone to call us (about this global department of justice settlement), and they will get back to us in 60 days. But I am not so sure we have 60 days to waste here. Help please!

In May of 2011, we received a call saying the modification was going through so await the paperwork. Nothing showed up, and then we get a call that we have to start the process all over again and that we were given incorrect information. During this process, we have been making our payments. I called on March 7 to make a payment and was told they could no longer accept our payments and they were going to foreclose on our property, but the modification was still in for review! I have no idea where to go from here. We are talking to an attorney and considering a short sale.

I contacted two of the organizations in St. Louis that attempt to help people save their house and was told by both organizations that BofA is the absolute worst company to work with. After months of not buying groceries and having utilities shut off at various times, I received a letter from Bank of America which stated that they would not help me because I could not afford my house payment? I again contacted BofA's customer service and was told that if I let my house go into foreclosure, there would be more options available for me? In 6 years, I have been late once!

On February 7, 2011 ask to pay all months due. BOA sends me a letter with reinstatement calculations, we sent five months of payments. BOA refuses to accept and wants $3,600.00 more dollars in fees. No matter how much I call, the loan specialist is never available. I check with local courts and no one has even file a default for my loan or foreclosure or has anyone been by to check the condition of my home.

So fees for attorney is $1,500.00, foreclosure fees $1,600.00 and inspection fees $90.00 are all fraudulent charges. BOA informed me yesterday after holding my monies for two weeks, they sent the check back to my bank. This has to be illegal.

I called time and time again, and this was never corrected. I then found out they reported 2 late mortgage payments, due to not paying them the escrows in my payment (as it was illegal for them to charge me for escrows), and made several more calls, which they said they would correct my credit report and have not. To this day, over 2 years later, they are still showing an escrow charge on my monthly billing statements. I continue to call to have the late payments removed from my credit, and they are not doing anything. No one should have to deal with this terrible service. I make my monthly payments on time, and always have done so with my mortgage. I pay the note payment in which I'm required per my loan’s setup. Please help.

In October 2010, I was having trouble making my mortgage payments, so I called Bank of America back. They transferred me to a loan specialist, who asked me very detailed questions about my income, expenses, etc., and said they would start the re-modification process. I received a FedEx package in the mail, which asked me to complete an application, and to send in paycheck stubs, bank statements, my last two years of W-2s, current utility bills, etc. This all had to be back to them in their FedEx paid envelope by the end of November. I sent everything in on time, and waited.

In the beginning of January 2011, I received a letter stating that I was denied, because according to their records, my income of $74,000 and change was too high to qualify, and if I disagreed to call them. I immediately called them, and told them I did not agree with their decision. Bank of America told me that since a decision was made, that file was closed, and I would have to start the process over again. Another 30-45 minute phone conversation of giving them all of my financial information to open another case, however this time, I was asked to get all my records together, and fax it over to them, which I did.

I received a phone call from them a few weeks later, saying they did not receive my information, so I faxed it again. Again, they said they did not receive it, and asked me to take my information to a Bank of America to fax. Before I could get to a branch, they sent me a letter stating that due to lack of information, they were closing my file again. I told them I faxed them twice (with one fax confirmation received), but they said it was too late. It was already closed, and I could start the process again.

In June 2011, I hired Timothy McCabe Law Firm to re-modify my loan with Bank of America for me. Unfortunately at this point, it was months where I could not make my mortgage payment now, and the partial payments I would send to Bank of America were being returned to me. Now with a lawyer, I was definitely unable to make my payments. My lawyer contacted Bank of America, and requested the loan modification paperwork, and a copy of my loan documents to review. During the next several months, Bank of America would continue to call my home 6-10 times per day, starting at 8AM, and not stopping until almost 9PM.

When I said I had a lawyer, they said they had no record of me having counsel. I must have given them my lawyer’s information 4-5 times, until I refused to answer the phone anymore. My lawyer submitted the request for re-modification around August 2011. Bank of America sent letters to my home confirming receipt of the information. In September, they contacted my lawyer and asked that until they were ready to review my file, they wanted monthly updates of my last 2 paychecks and bank statements.

This happened again in December 2011 and February 2012. I just received a letter from them after 7 months of them holding my application, that I do not qualify, because I qualify for another program, and that I must immediately make all outstanding payments, otherwise they will continue with the foreclosure process. I cannot understand how I do not qualify, as I make around $12,000 less per year, than my previous employment, so I am considered underemployed. My mortgage balance of $199,999 is higher than the $140,000 I could expect, if I sold my house on today's market and my property reassessment provided by the township lowered the value of my home for property taxes from $249,000, down to $181,000.

Bank of America told me I could short sell to get out of my existing loan. I asked the customer service person why they could not deduct the principal they would lose off my existing loan, if they were willing to take the hit, if I short sell, and she told me "that is not the way it works”. All I want is to be able to make my payments, and keep my 3 kids in their home. Where/what else can I go or do?

Unfortunately, our home loan came back to Bank of America without our December 2011 payment, which caused us harassing late payment calls for the last two months, unable to be considered for the HARP program until it is cleared up even though I had made conference calls with Bank of American and Nation Star, wherein Nation Star confirmed receipt of our December payment and email confirmation of payment from my checking account to a team lead supervisor at Bank of America. They said it will now take an additional 30 - 60 days to clear up my account even though they finally received my payment from Nation Star, and if the rates are still the same at that time. I somehow doubt it. Also, It would take an additional 60- 90 day to try and get refinanced under the HARP program. Since I first tried to qualify under the program, the interest rate has already raised a full percent. I dread to know what B of A will do as far as selling my loan again or how much the interest will have risen by in the next 3- 5 months (30-60 days + 60-90 days).

A month went by with no response. We went to the bank to make a payment in October and the teller returned our money. Once someone finally returned our calls, our paperwork that was submitted had expired after two months of waiting and we had to resubmit them.

We received a letter saying our home was going to be foreclosed on. We then received a letter in December giving us a foreclosure date for December 29th. Our counselor told us that we need not to worry. We wanted to pay the back payment but our counselor, Rafael, gave us the balance and told us to hold on to the money until he called us back in 45 minutes. Once he called us back, he told us that there was no foreclosure date. He told us that we could put the money at the back end of the loan.

Two months later while foreclosure fees were still accruing, we were denied the re-modification. So it took them 5 months to tell us that we didn't qualify. When we took it to HUD, it took them under an hour to tell us we didn't qualify. Now they expect us to come up with almost $12,000 when we are only a little over $8,600 (that we could pay today) behind on the mortgage and the rest are fees for a foreclosure that Bank of America initiated (knowing we were going through the re-modification process)and kept postponing the dates driving up the fees.

I am exhausted and mentally can not take anymore. This whole ordeal is robbing my husband and me of our spirit and our happiness. I will continue the fight if anyone knows a good Kentucky lawyer. All the large firms say they can't because they represent banks. So far, we have not been fortunate in finding one. I am now working, thank God! Now, I make too much! Go figure. I just want to do the right thing. Does anyone know if there is a class action suit in Kentucky that I can sign up on?

The worst of it is that my BOA representative calls me and leaves unintelligible messages requesting documents that don't exist, that they have already received, or giving unclear requests for me to follow up with documents and then threatening me with cancelling my loan if the materials are not received within a very short time frame--usually a few days, which puts the responsibility for getting in touch with them to clarify things on me. This has happened over and over again.

The first difficulty I encountered was with my appraiser assigned to me by BOA. The appraiser cancelled her meetings with me over 3 times due to traveling around the holidays. I also have tenants who work and go to school and I had to reschedule with them as well. BOA has been responding by threatening me with cancelling my refinance since my appraisal had not been done. I told them get me another appraiser and my appraiser finally showed up right before the BOA deadline.

My BOA customer service rep asked me for terms of withdrawal paperwork for my IRA. Over 3 separate times, I told her via phone message and email that there are no terms of withdrawal paperwork for an IRA. I even had my banker, who is managing my IRA, fax them documents explaining this. She responded by threatening me with cancelling my loan if she did not have the terms of withdrawal information by a certain date and "did I need help understanding what she was asking for."

Terms of withdrawal accounts are only part of a $401K account. They don't exist for a standard IRA account. BOA had the account statements for my IRA where it states standard IRA on the front of the paperwork. After a couple of emails to her supervisors, explaining that she was asking for the wrong thing, she finally recanted. However, now, most recently, my rep tells me that she is having difficulty confirming my employment through my companies HR department and if they don't have what they need within a week, they will have to cancel my loan.

I go to HR myself (on my day off work) and fill out a paper and fax the confirmation letter to BOA. My rep confirms receipt of this letter but tells me that there is a specific BOA form they need that is supposed to be filled out by my company's payroll department (now) and not HR like they thought. And they need it in 2 days or they are going to have to cancel my loan. They wait until the very last minute to tell you they need something. I have a rotating schedule and have to hope my days off will correspond to the days when my BOA rep decides to call me and leave an unintelligible voice mail.

BOA's customer service people are unprofessional, inexperienced with standard banking information, and they are bullies who love to threaten you instead of doing their jobs properly. It seems like BOA people are overworked; however, there is not an excuse for my customer service reps' nasty attitude. It's like they have no interest in approving my refinance. I am not in foreclosure. I have been current with my mortgage for ten years and have income from my tenants that covers most of my mortgage. Also, I have over a year's salary in the bank yet BOA has made this a very difficult experience for me.

They already charged my credit card with a $675 processing fee; however, I feel like I should get a cut of that because I am doing a good portion of the work myself. My friend told me not to use BOA for my refinance but I went ahead because my current mortgage is with them and thought it would be easier and less labor intensive than going into a new company. I was wrong! I have emails and voice mail messages documenting everything that went on so far during this refinance and I plan to file several complaints because no one should be treated this way!

From the information I was able to gather, only Fannie Mae backed homes qualify for HARP when a 3rd party lender is involved. Here is my accusation: that Bank of America went through their loans and targeted loans that they knew were underwater; that the owners are current with their payments and the owners may be using (or looking into) HARP to lower their rates. And that these loans were backed by Freddie Mac (knowing there was no provisioning for Freddie Mac backed loans and 3rd party), then selling these loans to smaller banks that currently do not participate in HARP. Thus, B of A doesn't lose any money and that M & T Bank (or other 3rd party bank) doesn't lose any money and locks the owners into their "higher" rates for the same terms. I'm curious to know how many loans were affected by this in the last 5 months.

What kills me, is that for years, my friends and family kept telling to stop renting and buy into a home as an investment. I finally did this, and not 8 months after I close the market took the dive. I've worked hard since my early college days to correct my wrong-doings regarding my credit and scores. I don't want to walk away from the house, but at this rate it will take at least another 10 years to get close to breaking even, which is why the HARP program is here--to re-fi into a lower current rate for 20 years and to help reach equity within 5 years, not 10. Thanks for any advice/help.

Four months later, we were behind and I called again. This time they told me to apply for the home modification. I got all the information they required and faxed it to their office. I had to do that because our local office no longer handles any loans, they only handle payments, checking, and savings. They did let me use their fax machine, which was nice of them. So, I fax the info and was told that it could take 60 to 90 days to hear from them, if I was approved. In the meantime, I am still struggling to make payments. I proceed to call and check on the process, always getting nothing has been decided and was assured that while in the process of application I would not be foreclosed on.

Finally, in February, I got a letter, thinking it was the letter for my modification I was a bit excited, instead it was a notice of foreclosure. I immediately called them and was told that my modification had still not been approved and not to worry. I would get at least 3 more notices before they foreclosed. I got another letter stating my home would be sold on the court house steps in March. I called again and was told that my modification was denied because my monthly income was too high. (We made less than $900 a month.) So there was nothing they would do for me. I then hung up and called a lawyer. I was given the option to file a Chapter 13 so I could keep my house. This process made my payments higher, not really helping much, but it was all I could do to keep my home.

I struggled for nearly a year to make the payments but managed it. I then got to where I cannot make those payments, but could afford the house payment, so my lawyer advised me to file a Chapter 7 on everything except for the house and by taking over the payments again that maybe BOA let me reapply for modification, and if I was making payments that they would not foreclose. Since having the 13 dismissed, I have made 2 payments but not without hassle. I had to have approval to make the payments and as for this month (Feb), they have yet to approve me to make it. I have already been approved to make payments before, but not this time.

Today I called BOA to send a reaffirmation to my lawyer so that when I can refi I would be eligible. They stated that since I was behind still on payments, they could not do that. When I called, I was first hung up on, then the second call was disconnected while in transfer. The third call, I got transferred again and got we are closed message. The fourth call, I got a lady I cannot understand and is very hateful with me. Of course, I was frustrated by this time and ask to speak to a supervisor. She puts me on hold for over 5 minutes then comes back to me to tell me she is transferring me and I got a machine with an out of office message. I left a message but not expecting a call back. Every representative tells me something different, gives me different information and does not seem so helpful in anything but assuring they want to be helpful.

So I am now waiting to see what they will tell me tomorrow or Monday. By the way, my bankruptcy will dismiss on Monday as well. They will not take my money, they will not help me in anyway, and they are not consistent with any information. I am at a loss and have suffered emotional stress and depression with all this. We are finally in a place to be able to make payments, even maybe start paying more each month. But what is a person to do when no one will talk to them or even take a payment? My lawyer informs that if BOA does foreclose, I am eligible to file for bankruptcy again, or get a loan and pay the rears.

In December I actually attended a home affordable seminar, went through 5 hours of consultation with BofA agents, had my permanent loan reviewed and prepared. As I waited for the final approval process and would be handed my new loan package, after 2 hours of sitting watching movies in their waiting area, I was told they had to get a copy of title in order to get the investors approval. BofA indicated they would call me in 2 days. After 2 days, I phoned my agent at BofA who had no idea what I was talking about and said I should of never went to the seminar, which they scheduled me for because those BofA agents did not have authority to provide me a permanent loan. Today, I am still making payments based on the trial loan agreement.

It is now March 2012, almost a year later. Each time I call my agent at BofA, I have to leave a message, which never gets returned. So when I make my payment via the phone I have to call 1st to 2nd to 3rd level supervisors, leave messages, send online messages via the BofA mortgage webset; eventually, after about 3 or 4 days, the agent eventually calls me back so I can provide her my information to make my monthly payment. I have had it with BofA and the lies and unprofessionalism. I get the run around as to why is my permanent loan taking so long, when will it be complete, how do I know where or how my payments are being applied. If I go online to view my mortgage statements, they show I am in default and that I owe 70k in back payments.

And get this, last month I made my loan payment via phone call and BofA presented a draft of 75K against my checking account. It of course bounced and my bank charge me a return check fee. It took 3 days for BofA to return my calls. All the said was: “Oops, sorry, we made an error.” I am still waiting for my permanent loan, which my agent said she has raised this issue to higher level supervisors. Who? What are their names? Numbers? I would like to just get this behind me and move on. The permanent loan isn't even acceptable. The home is worth 435K, the new loan the offered is 600K, and they stretched it out to 40 years to make the payment affordable. I guess that’s how they can call it the Home Affordable Program. Monthly it's affordable, but in the long run the home will never sale for what is owed and at some point we will have to walk away from it. But, hey, it’s affordable. This process needs to be fixed and BofA isn't going to do it alone.

In December, I spoke to Shahid **, a personal banker in the office, located on Duke Street in Virginia. He spent over an hour with me, and the office responsible for collections. He was able to get the payments paid (September and October). I tried to pay December at that time, but the system would not accept the payment. I told him that my wife had received a check from Bank of America, and we asked if a stop payment should be done. He spoke with the mortgage department, and was told to deposit the check. I asked about my credit report not being affected by this occurrence, and was told that it would be corrected. I was informed that it would take until the middle of February to be corrected.

My wife followed up with the three credit reporting agencies in February, and the payments had not been applied, as promised. She called BOA mortgage department, and was told that the bank manager was in error, and should have put a stop payment, and deposited the check, and the credit report would not be corrected, due to the bank manager's error. Today, 23 February, 2012, I was informed that Bank of America would only reduce my late reporting by 30 days, and that this was my fault, because they had informed me that there was a problem with insurance, and that I did not respond to the request. I travel extensively, and there is also a problem where my wife's name is not added to the account, so she could not talk with Bank of America, or receive mail due to this.

I wrote this letter, because the first I ever knew there was a problem was when I received the phone call. Why did someone not call me prior to them? Why was there not some registered mail sent to me? With all the problems that are out there with home foreclosures, I find it alarming that Bank of American can allow this incident to happen, and to hurt my credit. I am copying the individual who was most helpful, and I hope this letter finds its way to someone who realizes this is not the kind of banking that promotes customer loyalty, and 25 years of deposits.

They also stated that they want to help me avoid foreclosure and if I remained ineligible for the home retention option and can't afford to stay in my home, that short sale and deed in lieu of foreclosure are my options and we are here to help.

First of all, they are not there to help me or anyone else. The Making Home Affordable Program is a lie because if I can not afford my home, you would think that they could make it affordable.

Before I applied to the modification, I was screened by a representative to make sure that I was eligible to go to the next step. My family had incurred medical bills that impacted my already tight budget and forced us to be late on a few payments. I was told by BOA customer representative that handles my account, that I should not pay my medical bills because that healthcare providers would still have to provide medical care to us because the law requires that.

I see that there are millions of us out there that are still holding on to our homes, despite the fact that they are not worth what we are paying for. I see that the banks are paid by the US government for each foreclosure at a rate of $.67 on the dollar and it is probably already a done deal to take the remaining homes that are in or near default. I see that on this website alone that there are so many bad complaints for BOA, it would be impossible to read them all. I can't put all of the blame on the Banksters of America because they are supported and funded by the US government/tax payers' money. Bank of America does have the power to lower interest rates and lower mortgages but chooses not to, because of greed.

When the President and Congress bailed them out of the hole, they buried homeowners in another. I see that the CEO of BOA, Brian Moynihan, is not getting a bonus this year, along with his salary being frozen, this is probably due to the fact that they will be laying off thousands of BOA employees soon and it would look bad for BOA to give him a raise.

It is a crime that our own tax dollars are used against us to steal our homes. Lawyers and politicians are the ones that should get the blame because they are the ones who create the policies and laws that harbor these white collar criminals.

Back in 2005/2006, I lost my job after purchasing my unit. I was out of work for about a year and a half and the loan was in default and has been. But once I got employment, I have paid every month up until about a year ago. I missed a month or two due to a medical condition. I want no problems with BOA, I just want them to stop the harassment and let's try to work together because the place when purchased was brought at $149,900 and now it's only worth $90,000 and I can't even get them to modify my loan. This is so crazy and I'm paying and have been, except for a few bad months due to me being out of work and trying to get caught up on everything.