Bank of America Mortgage Reviews

Once August hit, we started having a hard time paying our mortgage. We continued to pay but we were paying a month behind. Thus, once September 1st came, we started receiving phone calls for our late payment for August. We did the best we could in keeping up with the payments. So, for August, September, October of 2009 we incurred late fees.

When November 1st, hit we had still not made our October 2009 payment. My husband explained to a representative that we were going through some hard times and were trying our best. We never avoided their phone calls and had stayed in contact with them. This representative told my husband that he would set us up with a modification program. He said we would not need to pay out October payment because it would go to the very end of our loan. So October 2009 was the only payment we missed.

This representative set up automatic withdraw payments directly from our bank account. Our mortgage was due on the 1st every month, and was considered late after the 14th every month. The representative set up partial payments for the 17th of every month. Thus making it a late payment. Our normal mortgage payment was 670.00$ per month. He told us we would need to pay 570.00$ of automatic payments for three months and if we did that we would be able to have our loan modified for this particular mortgage.

My husband agreed and set up the automatic payments. We still received collection calls and letters. He would speak to them every time a representative would call or he would call every time we would get a letter in the mail. From November to January, every single representative that he had spoken with told him that everything was fine and that they would just continue to call until the modification was set in stone.

Once January came around, we received a letter stating we were four months behind and could face foreclosure of our home. He called and spoke with a representative who informed him that our modification paperwork was never submitted. So, we were told not to pay October, and had late/partial payments from November until January.

The representative he spoke with in January of 2010 told him that she was going to sent up the modification. We would now only be paying $470.00 a month for three months of automatic payments. She also said she would fax/email him a copy of the information. We still received collection calls and then once the end of February came around, we were told once again that we were not set up in any program. So, from January until February we were now paying 200 dollars less then our original mortgage and it was also considered late. I then contacted the Attorney General and by doing so, we finally got some headway with a real modification program. Complete with documents, letters, emails, calls, underwriters, advocates etc. But from November 2009 to February 2010, we incurred late fees due to the faulty information given to us by Bank Of America representative. Bank of America still has not credited us back any late fees during that time. Keep in mind, the only payment we had not paid was October. This was told not to pay.

During this whole entire time, my husband was still unemployed. Every document we sent in had his unemployment information. Bank of America knew he did not have a job. They never said one thing about it. Towards the end of July, 2010 my husband started working. He was able to fax two pay stubs for completion of our modification paperwork. Two weeks before our paperwork was due, he was told that he did not qualify unless he was working. This was told to him in July. This was never told to him at any other time.

Thankfully, he had just finally started to work. He faxed them his two and only two pay stubs that he had. This was in July of 2010. We finally received a letter on November 2, 2011 stated that we did not qualify for a home modification due to the fact that he made to much money. Bank of America has been giving us the run around for an entire year. We were lied to for over 5 months about being modified. They set up payments after they are considered late and set up automatic payments of a smaller amount, thus we incurred thousands of dollars worth the fees and partial payments (for an entire year). We have faxed them every document they asked, only to be told they never received certain documents, then we had to fax them over and over again. We have kept in contact with them throughout this whole process.

During our "real" trial modification, we never missed a payment. In fact, we paid all of our payments before they were due on the first of every month. Now, we are disqualified for a modification because he makes to much money, when he had only been working two weeks. Now, we are being told that we are considered 6 months behind because we were only paying $700 monthly for 5 months during our real modification. We had to set up an escrow account to even be considered for the program, which brought our "normal" mortgage up to 1000k monthly. So we have an extra $300 x's five months to come up with and we still are being tact on late fees because they only apply payments to back pay and they apparently hole our payments until they add up to 1000k and apply them to our loan. So, every other month we are incurring fees. We cannot get on any pay back plan or forbearance program because we are considered to far behind on our mortgage. So, we owe 5k worth of late/partial payment fees.

For an entire year, Bank of America has been nothing but a headache and filled with lies and cheating. I was so distressed that I couldn't even answer the phone in fear it was them. I couldn't check the mail in fear I would receive another "possible foreclosure" letter from them. They lied twice about being on a modification program and they do not want to compensate our late fees for anything even though it was their representative who set up the faulty program. Throughout 5 months of being on the real modification program, he was never told that the program only applied to him if he was working. They never said he could get a forbearance or a different type of modification. Then, only two weeks before our final paperwork is due, they told him he has to have a job. Thank the Lord, he had finally gotten hired. Also, on his pay stubs it says his start date for employment. Now, after being strung along for so long, we get denied and can't even get on a payment plan.

The only time we have ever been able to make headway with them is when I complain to the Attorney General. We want to keep our home and we are now in a financial position to make on-time payments, just as we were before we was laid off. But we cannot afford to give 5k worth the misc. charges and late fees. They are unwilling to work with us and have been full of lies after lies.

We would like to make this right. And remember, this all started with two late fees (August and September of 2009) and a non payment of October (which we were told not to pay per a representative that was getting us modified). Thank you for your time in reading and reviewing this letter.

Per our original contract a portion of our monthly payment is automatically applied to the Escrow. Initially, there was never a problem making a payment, and we never encountered any issues when we put additional funds into Escrow.

In June of 2010, we received a notice from BoA that based on their "analysis" of our taxes we would have a shortage in our escrow, and to compensate they were raising our monthly payment effective August 2010 (note the 90-day advance notice). We had at that time sufficient balance in escrow that even if our payment was not raised we would have more than enough to pay any tax bill. Additionally, our County Tax Assessment (received prior) was only to be half of the previous year! It was obvious a) our current escrow balance was not figured into their "analysis and b)their increase was wholly unjustified!

To hedge our bets for the coming tax year, we had already placed an additional several hundred dollars in escrow via their website! We were a bit concerned, but made our July payment as usual, and per our practice, printed out a receipt/copy of the confirmed transaction which shows the amounts allotted to Principle and to Escrow. At this time all was normal.

The next day, when doing our daily banking, we noted that even after confirming our online payment the previous day, they had a) Altered the designated amounts, and b) Increased our monthly payment for JULY, a full 30 days prior to the effective increase date of AUG 1, 2010!

Contact using their site webmail was useless, and we sent a complaint (first one)using that method. No response via their site.

We then received an e-mail from someone identifying themselves with a high-sounding title asking us to call her to discuss the issue. We replied that we would no longer "do the oral thing" with any representative of BoA due to the lies of any individuals we had previously spoken with and to protect ourselves in the future all communication from them is to be in writing via e-mail, registered letter or FedEx! We have never heard back from the individual.

We obtained a copy of RESPA, and created a "qualifying complaint" with all supporting documents (Letter re the August Increase, Copy of Online Payment, Copy of that same Altered/Re-Allocated Online Payment, copy of a proper Analysis of our Escrow including the then-current balance illustrating that by continuing our regular monthly payments we would have an overage every time the taxes came due, notification that they had increased our monthly payment a full month earlier than their own schedule, and a written refusal to pay the increased monthly payment and our intent to no longer use their "Secure Online Banking" feature.

Additionally, we advised them of our intent to make all payments through the local branch and only in the amount we had previously been paying! These documents were gathered together and taken to the local branch nearest us, presented to the Branch Assistant Manager, who bent over backwards to help us. She faxed all documents to the Customer Service Dept., then got them on the phone to discuss the issue. We advised them that we had already enough in our Escrow, but had added an additional amount to it to hedge our bets. Interestingly the "Rep" curtly advised that they were required to only accept up to 1/12th of the escrow per month, per RESPA. She would do well to actually read any referring document, as RESPA only requires the servicer of the loan to be limited to how much they can require monthly. Nothing worse than an **/idiot combination.

The best the BoA C.S Dept would do is only increase our monthly payment by $10.00. Wasn't that nice. The ** weren't supposed to increase it at all! The CS rep was told what we thought of the "solution!" (We have since been paying our original BoA payment locally and forced to get the local management to "force the payment through" because BoA refuses to back off. )

Per RESPA, they are required to give a written response to our "Qualifying Complaint" within 60 days. It is now nearing the middle of November and we have only received monthly statements showing an increased monthly mortgage payment. Absolutely, no response to our RESPA based complaint! Attempts to find a local attorney for assistance has also been interesting.

Everyone acts interested in a consultation until they find out it has to do with BoA and/or a banking dispute. Suddenly, their calendar is full and they apologize, they "just don't have the time available" for a consultation. Makes me wonder if they are on Retainer for BoA, or just plain scared!

At this point we're not sure whether we are even looking in right state for an attorney, as COuntrywide is in California, and BoA corporate is on the East Coast. All BoA Mortgage-holders must be encountering similar treatment, so all BoA clients should get together and file class-action suits. Some of the horror-stories we've read just at CNN illustrate this!

The stress has already amplified my wife's Asthma problems and hasn't done me any good either! We're concerned their eventually going to declare us in default and start foreclosure proceedings, so we need to get started fighting BoA early! BoA needs to be hit hard in their pocketbook, as it seems to be the only way to get their attention.

Having no job in Las Vegas, I was transferred back to New Jersey. Unfortunately, due to the economy, the expenses from the vacant house in Las Vegas and the expenses in NJ, I was forced to file Chapter 7.

I received a letter from BOA on 3/31/10, stating they would be willing to stop the foreclosure process with a number of options, including a Loan Modification Plan to prevent me from losing the house. I chose that option and spoke to a gentlemen who gave me a task to gather a number of documents in order to qualify. I contacted them back and got a different person on the phone. I explained my situation, provided them all the details and documents they requested, only this time they wouldn't talk to me. Just stated that I no longer qualified for the Loan Modification.

Since my bankruptcy was in full swing, all of my debt had been eliminated by roughly $1,200 a month. I offered BOA to buy the house back for what it was worth, roughly $60,000, but they wouldn't entertain that idea and they refused to process my Loan Modification stating that I couldn't afford the house.

I have yet to receive any phone calls back. I am 2800 minutes and 212 people later and still no answers as to what we can do to settle this. They tell me my account is a disaster but yet have no clue how it got this bad or how it can be fixed. They are unprofessional and very rude and heartless.

After reviewing the home loan modification criteria, I contacted Bank of America in July and requested a loan modification. I was told that I qualified because of my reduction in income and that a loan modification package would be sent to me within six weeks. I was to complete the documentation and return it to BOA mortgage. The review process, I was told, would take up to 6 weeks. I heard nothing nor received any documentation.

After two months, I called Bank of American Home Loan Prevention Department. After being put on hold and transferred several times, the call was finally answered by a very rude woman. I explained my situation again and she proceeded to tell me that I shouldn't be in the house because I couldn't afford it and then asked if I could borrow money from family or even my church.

She pulled my credit report without my authorization and started reading my personal information. After telling her how insensitive she was, I became so upset that I hung up the phone. It is now November 7th and I have still not received any loan modification documentation from Bank of America. I have called every week and have spoken with countless employees in default prevention departments and even something called the Hope department. They have all assured me that my request is escalated and that I will receive a "FedEx" package within a week. I have talked with supervisor after supervisor with the same message.

I missed my first mortgage payment in October. This could have been avoided had Bank of America performed their due diligence and tried to help me 5 months ago when I first contacted them. They are calling me every day regarding my payment. Apparently, the systems do not speak with each other because I have to spend at least an hour every day explaining the situation with them. I know there are probably many of you out there in this situation and we cannot let this go on. I am a financially responsible person who wants to pay my bills and keep my home. Like many others in extenuating circumstances, I am trying to do the right thing.

This company does not care about their customers although the government has mandated programs for those of us who have suffered from this economy. I hope everyone who reads this complaint will join with me and let the public know of these unfair practices within this organization.

I received on letter stating that they needed documents: hardship affidavit and a signed tax return. I faxed both the next day. I never heard anything. I called and was told it's still in review. I waited and called again. Told the same. I got a letter soon after saying that we were declined because there were missing documents. I called and was told, "No it's still in review." I told them about the letter and they say, "No, it's still in review." I called again and they told me that I'm missing documents. I told them I faxed and mailed them in. They told me to resend. I resent right away.

After weeks of getting the runaround, I'm told that I don't qualify for any programs and I owe $10,000 by November 17 or they will foreclose on my home. I contacted HUD and they give me the HOPE hotline. A representative from HOPE calls Bank of America with me. We're on a conference call and the HOPE representative has to intervene and told the Bank of America associate that she needs to be honest with the homeowner. The representative was lying to me and I would never had known because I am not informed on home laws.

The associate then tells the HOPE representative and myself that if I am within three months delinquent on my mortgage, they cannot start foreclosure proceedings. The HOPE representative confirmed this. That meant that if I could get the $10,000 down to 6,000 by Nov. 17, they couldn't start foreclosure proceedings. I made a double payment in October and planned to make another one in Nov. and borrow the other $1,500 off of my dad. I was informed last Friday, Nov. 5, by Bank of America that that is not true. If I don't pay the entire balance, $8,000 now because of my double payment last month, they will start foreclosure proceedings on my house.

Bank of America is a bunch of liars! They want your home and will not help you. They are crooks and need to be prosecuted. Somebody needs to investigate their fraudulent promises but I don't know who to contact. Who can I go to for help so that I won't lose my house? Bank of America needs to be put out of business or be held responsible for poor and illegal business practices.

Not only does B.A.C not have my Deed of Trust on file, no one in customer service knew how to deal with my issue. I made 8 different phone calls throughout a 3 week process. I was told 8 different things, transferred to different departments, spoke with supervisors and managers and no one was able to get me an answer. I was lied to over and over again. I was told my document was being prepared and I was receive it the following day. When I called the following day, I was told something else, by someone else. They never logged all my complaints to get information. At this point, they are basically holding me hostage. They do not have any information on my loan, yet they continue to take money from me on a monthly basis. I even faxed my copy of my Deed. And that wasn't enough to have them give me a correct answer. At this point, I'm so upset, but there is nothing I can do.

My question to BOA was how were they able to pass all my previous loans and why didn't the previous Title searches did not reveal the lien on Title? Of the $2,500 for closing cost, $400 was for Title search and their response was that in those days Title search was done after the loans were passed. I am wondering if the Title was ever done before? Every time I called, I got different response from the person who answered the phone. They wanted me to $75 to the Bank in Brookline to have the lien cleared which I refused because I already have paid $1,200 for Title searches previous refinancing loans.

Then Bank of America took over Countrywide and the nightmare began! I have been going through literal hell with them. Now, under doctors care for emotional distress - every time I talk to them it's a different story completely. I'm told, I'm in a trail modification, received the paperwork, made my payments since June, 2010. Then the negotiator Andrew **, said he couldn't reach me and sent me a letter which I faxed back to him in June 2010, saying he can reach me at the only phone number I have.

He said or told someone that he never received my correspondence. But I have proof, I sent it and it went through. So he, in his infinite judgement, took away my modification loan saying he never received the docs they sent by FedEx. Not true again. I have the signed delivery notification signed by S.** saying it was received 3 days before it was due. That was never "logged" in to Mr. **, I suppose. In the midst of all of this, I have spoken to a supervisor, Miss **, who said she would put in an appeal. She would contact me within 24-48 hours. No response ever. I spoke with "Jim" and he said that I can't have an appeal because I'm with FHA and they don't do appeals. Another false statement made by Ms. **.

Spoke with Stephanie who tried to reach Mr. ** and I told her it was no sense because he doesn't answer, she came back to me and said "You're right, he doesn't answer". She sent emails to Mr. ** to call me and I left a message in his voice mail to call me. To date, I have yet to speak with him. Left a message for his supervisor to call me, no response. Spoke with Telvina on October 1, 2010 and advised her of all my financials again, explained all the problems with Mr. ** and she said, she would contact him to try and reopen the modification because of the proof I had regarding the paperwork. I would hear from her within 24-48 hours, no response to date.

I have had numerous phone calls from Bank of America and when I answer no one is on the other line. I have notes in my phone each time this happens. It happens at least three times a day. I just received a phone call from a "Cindy" because no one at Bank of America has a last name and they are not allowed to give it out. Surprising? Not at all. I asked to speak with Telvina who gave me her extension number, Ms. ** said she couldn't transfer me. So I said Ms. ** basically lied when she gave me her extension to call her.

Ms. ** then advised me negotiators do not reopen modifications, I asked why would Telvina say she was going to Mr. ** to do that. Again, false statements. I then gave Ms. ** my financials again, which I gave to Ms. ** October 1, and she said they have no workout plan for me and my Notice of Acceleration expires November 20, 2010 and then my home will be up for foreclosure. My doctor has advised that I write to Bank of America certified receipt requested but no one seems to know who is in charge or a physical address to mail a letter. I have complied with all of Bank of America's requests and they continue to give me false statements, inaccurate reports, and lies from each and every person I have spoken to since this all started.

Ms. ** asked, "Could I bring my account up-to-date or pay 4 months mortgage payments? Duh? If I had that kind of money, I wouldn't be in this mess. Bank of America certainly does not care about their customers. Customer service is very unorganized and the negotiators are irresponsible. I would like to start a class action suit against them. I also have another friend here in Charleston, SC that is going through the same problems as me. No one ever calls her back and she is facing foreclosure as well because of their lack or organization.

No reason was given but I suspected that since I was back to work on a temporary assignment, they felt I was financially set because I had money coming in. I had to repay the difference between the old mortgage payment and the new payment which amounted to about $1,800. In July I noticed on the back of my monthly statement that the B of A noted that I was in their Trial Modification Program and that I can make payment of $942.40 or the old amount. I was baffled, where did this come from? I went to my local B of A branch and one of the managers called the mortgage department for me and was advised that my loan modification was approved. The day after, I called the B of A mortgage department and was advised as well that I was approved.

In September, I received notification by mail and phone that they did not receive my mortgage payments. I advised them of the check number/date/amount. I also advised them that I was in the modification program so they advised me to call the modification department. Each time, the mortgage department advised me that I was delinquent. I spoke to the loan modification department who advised me that I was okay and I had nothing to worry about. It turns out that the mortgage department was not aware that I was approved of the modification acceptance that they did not recognize my new monthly payment so it went into a different account that did not go against my mortgage. I was advised that the "left hand did not know what the right hand was doing". This was stated by a member of the loan modification department about the mortgage department. I received a letter in September that if I did not make payments current by 10-07-10, foreclosure proceedings would commence.

I have filed complaints with the Better Business Bureau, Attorney General of Arizona, Senator John ** office, Congressman Trent ** office, and a local Phoenix TV station. The BBB, Arizona Attorney General and John ** have filed complaints with the B of A. John ** has also filed a complaint with the Office of the Comptroller of Currency. I received a phone call from a Robert Dover from B of A who blamed this situation on Wilshire. He said that in the transfer of paperwork between the two companies, they did not see evidence that I made my last payment to Wilshire on time. So what did they do? They assumed that I did not pay my last payment to Wilshire which was the third and last payment to officially satisfy the loan modification requirements so the B of A denied my eligibility for the modification.

Why they didn’t just contact me to supply proof that the payment was made and on time back in March. Interestingly enough, Mr. ** requested this information of me two weeks ago. Why so late? Mr. ** called me last week and advised me that he was satisfied that I made not only all of my mortgage payments, but in time! He then proceeded to tell me that the B of A will no longer be handling this matter, it will now be in the hands of one of the organizations under the Obama Housing program. I should hear from them shortly. I have not heard from them but did receive a voicemail last Saturday the 30th of October from another B of A person. I left a message back with him the same day and also 2 on 11-4-10.

I left 2 with Robert ** as well on 11-4-10. Why? Because I received a FedEx letter from a Todd ** who works in the B of A Home Retention Division. The letter states that I was being informed that they tried to reach me about missing information and if they did not receive this "missing information" by 11-10-2010, my files would be closed. First of all, what missing information? This was my first and only written correspondence concerning this matter and I received a voicemail on 10-30-10 which I assume was from Todd, but nothing was mentioned about this so-called missing information.

Why couldn't they advise me on the phone or in the letter what information they want? Do you think that they just want the deadline of 11-10-2010 to approach and close the files on me and claim that I was not co-operative? This sounds dirty to me! This was very long winded but this has been a headache for me since May of this year. Every time that one side of B of A claims that my modification has been approved, the other side shoots me down the next week. I have proof that I satisfactorily met the modification requirements with Wilshire. The B of A knows this, but will not abide by it. They want to push me into foreclosure. I will not allow them to do this to me. I would like to kindly request the advise of a lawyer in this field who can walk me through the possibilities of retaining my home, keeping or improving my loan modification and the possibility of a lawsuit against the Bank of America. Thanks.

He said, and I quote, "What did you do with all that money?" I informed him that what I did with "all that money" was none of his business as this was a secured loan. I could take "all that money" out in one lump sum, and give it away to charity, bet it in Las Vegas, or give it away to the first passer by. What I do with secured money is none of anyone's business! Guess what. The Home Equity Line Of Credit that I was entitled to never happened. I never signed up with BA, I was with Countywide. So, I was, in a word, abused by the predatory lending practices of the company that I never signed up to administer my loans. Moreover, BA is in breach of contract with what I had already negotiated with Countrywide. I, and all the other victims, are in need of a class action lawsuit against Bank of America for their illegal actions, and I believe are entitled to real and punitive damages as a result.

I have a notice of intent to foreclose that expires on November 17, 2010. I have never been in default with my mortgage and was never told going into this trial period it wouldn't be applied until all funds for month were received. If I had known this was how it was going to turn out, I would have never done this. I am now 3 months behind. I need to speak to someone that can help me keep my home.

My Daughter lives with me and is due to have a baby in 4 weeks, my Mom is 73 yrs old and owns home with me. We were mislead into believing that they were caring and really helping us, all they want is our home. What do I do next? I appreciate any advice you may have. I live in Los Angeles, CA. Also, I have been working with HUD, hope and any agencies I could get assistance from. I'm in need assistance, as many of us are, to keep my home, I have followed the guideline BofA requested and submitted all information. They just give me too many different numbers and departments, I'm back to the beginning now. On Oct. 4th, 2010, our income increased and they said we can resubmit for MHA, so I asked if a packet will be sent to fill out again, they said they don't that anymore, just fax additional financial income, I did, last night, 11/3/2010 I called BofA and was told that I'm not in review since I didn't submit packet for MHA again, I would have if I was given correct advice and sent the MHA packet again.

This is really stressful, and I do not want to lose our home. Bank of America has misled me. I have numerous numbers I have called, and many departments I was transferred to. This is wrong, we are concerned for our homes and it seems the bank we talk to acts as though they are helping when they really don't care. I need to come up with thousands of dollars now to catch up, in which none of this was explained clearly when we started the process. Please help us and everyone going through this mess to save our homes. Who else can I contact at BofA to get a truthful answer? I spoke to Home Retention, Advocate department, Foreclosure department, Hope team, Hud, and many more.

When I call back and go over the department I told them I spoke with, sometimes they say "I don't know why they sent you to that department" this is frustrating dealing with them over the phone. Please, Please help, I'm running out of time. Some representatives tell me to keep paying the trial payment, I have, and others say I should be paying full mortgage until decision is made. I never get the correct information.

It's now overwhelming and also, our utilities have become overdue, and shut off, in which we paid extra to turn it back on. We have a baby in the house and another on the way; this is a nightmare what has happened. I'm trying to get money together to catch up on mortgage and pay food, utilities and take care of my family. I don't know what to do anymore. Bank of America said if modification doesn't get approved, they will go back and fix our credit, taking off default, I asked when and I get an answer of maybe up to 6 months.

We go to food banks, and are trying to survive now. We are also on a fixed income, and have no resources to get help. I call and call the bank for status updates and only get told it’s in review, and intent to foreclose expires on November 17, 2010. Please help save our home. An attorney I spoke to wanted $4000 to handle this, if we had $4000 we would put toward which are now delinquent payments. Thank you, thank you for your time.

First, I was turned down for a refinance because I was unemployed and when I found temporary work over this last summer, I applied again. November was my final "trial period" payment. When I tried to make the payment on line the BOA Home Loan system, I would not put the payment through for more than 5 days. I called in the payment so it would be in on them. I gave the person the check number, routing number, account number and amount.

I went to the store on 11/2/2010 and my bank card was declined! When I got home, I pulled up my bank account online and found the check by phone was not put in for the amount I approved but for an additional $462.72. I have now called for two days, always told I would be called back, with no information. I understand that I have a difficult situation. I'm on the deed but not the loan and no power of attorney (who thinks they will die at 44). They will not talk to me because I'm not authorize on the account but they can take the money I did not approve and not give it back to me.

So now our payments have gone up five hundred dollars a month until escrow is paid down. Because they labeled it a mod for the government sake they said we were not eligible for another mod for 12 months of consecutive payments. And my husband lost his job and in his new one has $20,000 less per year. Bank of America says there is nothing they can or will do.

I was told by the end of the six month period I would receive a correspondence telling me which permanent modification I was to be put in. I made payments for the six month period but did not receive any information on my loan modification. I contacted Bank of America to see why I had not received the information I was told I would. The representative informed me that I was eligible for the Making Home Affordable Modification and since the home is in foreclosure, this modification would stop the foreclosure process. They instructed me when received to fill out the packet and return the information to them. I agreed.

After a period of a few weeks, I still had not received the packet. I called Bank of America to find out why not. They looked at the notes to the account and agreed that I should have received one and assured me that they would send a packet out. I said "okay". Another extended period of time passed still no packet. I called back and was told again that one would be sent out to me, which I never received. More time passed. I called again and was told that the packet would be escalated to me because one should have been sent out.

Over the next weeks and months I was repeatedly told the same thing. I never received the packet. I received a letter from their lawyer explaining that a sale date had been put on the home. I contacted them once again to no avail. I finally sought help from a housing counseling agency that had been recommended by a family member. The agent spoke in my presence to Bank of America and asked if a packet would be sent, they informed her it would. I never received a packet.

Keep in mind this is the day before the sale of the home. The agent faxed in all the information needed to complete my modification after which she told me I was denied. If they would have sent this packet when I requested it instead of lying to me other measures could have been taken to save the home. I had no choice but to file bankruptcy in an attempt to save the property.

They are still attempting to proceed with the foreclosure and have filed to lift the automatic stay for abandonment. When speaking with Bank of America, I have been told that the last thing they received from me was in July 30, no record of me ever completing a MHA packet although I was told I was denied for it on Aug.24, 2010. Did they lie to me just to proceed with the sale of the home? Guess I will never know.

Forgive me for giving as many details as I can but this is a very serious situation for all of us in this economy. Bank of America should not be allowed to continue in this manner. Please just read on.

My mother is 75 years old and continues to work full time at a local nonprofit health center. She is responsible for over 60 elderly clients who need a liaison between themselves and the services available through the county to get their medications, transportation, home care and the like. She was a full time home maker for 30 years and came into the work place at Wal-Mart at age 50 and has worked ever since.

My mother and I also have a farm animal sanctuary in NW Tucson, on the property that she purchased over 14 years ago. This desert property of about 4 acres was primitive desert when she moved here. Now, it looks like a garden. Mom planted every tree, several that are already taller than her house. She dug the holes for every fence post and done most all her land/home repair on her own due to lack of extra income. She is currently raising her 13 year old grandson as well.

Like most of us, mom does occasionally have to pay a bill late, or a house payment in two payments. She lives pay check to pay check to balance it all. She has never actually "missed" a single payment or gone without contact with her mortgage company. Her payment history reflects a regular and consistent payment history. Sometimes she has not been able to make a full payment, but has always contacted her lender to let them know what is coming and when. There has never been a problem with this practice.

About two years ago, CountryWide, as well all know, sold to Bank of America. This past August, my mother notified Bank of America that her payment of ($808.00) would come in two payments as she was trying to give her grandson the first birthday party he has had since he was here at about two years old.

Mom notified the bank and sent a check for $400.00 near August 15th. On August 24th, she sent another $400.00. Soon after mailing this payment, she noticed that the second check had cleared her account but the first payment had not. Then, she also got a letter dated August 18 with the first check enclosed/returned, notifying her that she was in foreclosure and that the entire amount was due in two days or she would be proceeding into foreclosure. The first check was being returned because it was not the full amount of $808.00 and they would no longer accept a personal check. (We have still, to date, no idea why the next check, received within a week of that was processed and cleared.)

Anyway, she called, spoke with someone named Jose (that we still have never been able to locate a second time) and he assured her that if she could get the remaining $400.00 in by certified check in two days by Sept. 15, that she was "fine". He did a financial report on her and promised to call her when the check arrived. Mom went to the bank and got a $400 cashiers check, paid $18 to the USPS to get it sent overnight mail. The document was received and signed for at the address she had been told to mail it to. No word from Jose. She called again. They say she cannot access Jose but they would email him. The next day, she found a voice mail from Jose saying to call back, gave a toll free number and an extension number. When she tried to call, there is no way to enter an extension number. She spent hours (at work) on the phone trying to reach someone and was told no one has their own extension and that they are a "call center" and anyone can help her.

We were told that the check had not arrived. We spent days getting documentation from the USPS showing indeed it had arrived in time and had been signed for! Finally, a supervisor (Paula) was reached who verified it had been received and "in time" but they can't find the check. We check with the bank to make sure it hadn't been processed. We also spoke with a man in "payment research" who promised to solve it.

Days go by and they can't figure out who or where the check went. I would estimate a hundred phone calls and three supervisors who each promised to research and clear up the situation and call back. None never have. Meanwhile, someone came and posted the foreclosure/sale notice on the door and according to B of A, she is in full foreclosure. They are now adding hundreds of dollars in attorneys fees to the balance! We have been given countless names, emails, phone extensions, no luck.

Last week, mom took what little funds she had in her retirement plan and walked into a BofA branch. Even they don't have anyone's name or phone number! We were in this office from 11 a.m. to 2:30 pm while the local agent for BofA tried to help us contact someone! We ended up with one woman on the other end of the line, supposedly a supervisor with authority yet refused to remove any of the additional fees because of "timing". They claim nothing she sent arrived "on time". They did admit they had and lost the cashiers check. Then she stated they just found it but sent it back on Sunday Oct. 17. To date (November 2), we have yet to received that.

Mom paid in cash directly through that bank branch, in person, $1,300 (I don't have exact figure in front of me at this time), which was the entire $808 plus the fees that they agreed would get the loan current, provided she also pay the $400 in addition, when the cashiers check arrived. It has never arrived and now they say they lost it again. Mom needs to put a stop payment on it. Mom's bank says that in 60 days, she can get those funds back. Then she can send them to BofA, again certified, etc.

In the meantime, BofA continues to proceed with a tax sale/foreclosure saying that it is "valid". She has now paid directly, the $1,300 (which as of today still has not been credited toward the loan amount). The $400 check from August that they did process and the $400 for the cashiers check that they lost!

We have googled Bank of America/foreclosure dept, etc. searching for contact information or help but instead have found many other horrific stories! There is even a blog so that others can try and share information among themselves such as how to actually speak with a real person! There are many stories of others in similar situations.

We have made countless phone calls and emails with no response. No one will follow up or attempt to do anything toward resolving all of this. But meanwhile, she gets weekly letters and phone calls from the BofA urging her to recalculate her loan! My mother is about to loose her job from spending so much time trying to make calls and faxes during business hours to resolve this. She also had a couple of sick days due to (what we thought was a stroke) but thank God, was only exhaustion and stress.

To date, Bank of America maintains that mom is in active foreclosure and deny any of her efforts to resolve the matter. They continue to avoid conversations, phone calls, payments! They lie and tack on fees! We cannot get any person to speak to us that seems to either know anything or be able to do anything! Someone needs to investigate these criminal business practices.

I hate to imagine how many other little old ladies who didn't have the energy and the "huevos" to stay on them have fared. Probably, they have lost their homes, their life time investments, yet, it continues.

Please someone needs to look into the real story of how BofA is conducting these foreclosures and honestly are preventing folks like my mother from being able to get their loan current. All of this for $808, technically $400. It is amazing to me that in the United State, this sort of business is actually going on! Thank you for your time and any interest or time that you may put into helping with this fraud on the part of Bank of America. We would be happy to provide any more info or details you may be interested in obtaining.

All this time, I have been paying trial payments and have never missed even a single payment. BOA reported to credit companies as a delinquency and now, my credit score is down from 790 to 660. I feel that I have been screwed. They want all the money in the next 2 weeks now. I don't know what to do. They are going to foreclose my house.

Under my mortgage agreement there is no escrow account. Since 2008, I am responsible for paying my property taxes and keeping my payments low. I paid all my taxes on time for 2008 and 2009. This year without any reason, BOA decided to pay my property taxes 10 days before the due date of Oct. 15. In addition, they set up an escrow account and raised my mortgage payments by $200.00. When I inquired about it, they could not tell me why they did it and they said that even if I pay the taxes, they paid in my behalf. They cannot assured me that they will remove the escrow account and keep my payments low.

BOA's abusive practices with its customers keeps going unpunished. A legal mortgage agreement is changed whenever they feel like. Who can help? Is the new consumer department, created by the new Wall Street/financial regulation law, going to help customers in the future?

Every time I called them, I was told to "call back in a week" and I would. Each time I called back I was told "your file is still in review, call back in 10 days". I'd give it 12. I was never asked to fax in current check stubs, financials or bank statements any time after the initial request. I had to fax them in on my own or ask them if they needed them. We ended up filing chapter 7 in February 2010. We eliminated over $40,000 in debt. I updated my financial situation with BOA. They never updated our financials. They kept telling us "you can't afford your house, we're transferring your loan to this dept, or that dept". I was never allowed to make a partial payment and we couldn't afford the $1200 a month payment.

From the beginning, I was asking them (in our hardship letter) to either take what we owe and add it to the end of our loan with a lower payment, or give us a brand new loan (start clean) and make it a 40-year loan to lower the payment. I never got to speak with anybody, nor with the negotiator assigned to our case. I always got "we'll email them and have them call you. it can take up to a week", nobody ever called me back. I always had to be the one to call in. Now, we're being told we can't be helped because we are over 12 payments past due and in order to qualify for HAMP, we have to be 12 or under. I feel it's BOA's fault we are in foreclosure because of how they have handled our loan since they received it from Taylor Bean & Whitaker back in August 2009. Sale date was November 4th, now it's December 7th, 2010.0

Then the story changed and I was told that my house had to be on the market for 90 days prior to them even looking at my case, then after that point, it would be the 90-120 days.

In April 2010, I moved out of my house on April , 2010 and started paying rent for a small apartment. This takes me to the end of April 2010; the house was on the market for their now 'required' 90 days. I was told that my case was again 'in review', but a negotiator had not been assigned and I should hear something in the next few weeks.

The collection calls started on April 6. They started by calling a couple times a day and when I told them that that was harassment, I started to just not answer their calls. They started then calling every hour until I answered. Each time I talked to them I was asked the same questions: When will you be making a payment? What are your intentions with the house? Are you currently occupying the house? Is anyone living there? Of which, there was always the same answer. During this month I talked to someone 9 times for collections alone.

On 4/20, I called to check the status of my deed-in-lieu (DIL) and was told "there are people in worse cases than you" and my case was "still in review and it should be reviewed by tomorrow and call back". So I call back on 4/21 and was redirected to wrong departments twice then was told that they "had no knowledge of when it would be reviewed" & "we can only look at the notes".

On 4/26, I spoke to Mike in Home Retention Dept and was "disconnected". I called back and spoke to Ruthie who told me that a DIL can only be referred over the phone and went over all my financial information, listing of house, agent info, days on market and was again told 35 day lead time.

On 5/3, Ispoke to Sal and was told "it could take 90 days, but that's not guaranteed" and that he was sending me a DIL offer (still waiting on 11/1). Then the line went quiet and all I heard for 10 minutes was typing!

On 5/10, I called and was cut off 3 times before getting an actual person who did nothing more than pick up the phone and said "the system is down, call back" and hung up!

On 5/17, Vonda (collections) said that if arrears are not paid by 6/5 they will start foreclosure. I asked status of DIL and was again told that there was no one assigned to the case and it could take 90-120 days. On 5/20, Mel put me on hold while she checks to see who the negotiator is for the DIL. "Still assigning and should receive an email within 48 hours."

In June 2010, now any time I call, I automatically get transferred to the collections department! Robert said that it was due to my past due balance I was now a "priority caller". I was told that foreclosure would start on July 13, but "don't worry; at that time, everything will be reviewed".

On 6/22 Angela said that my case was "still under review" and a DIL "normally takes 30-45 days". She asked if I received notice of acceleration in June. I answered that I had.

On 6/23, I received a 'notice of assignment, sale, or transfer of ownership of mortgage loan'. When I called BAC, I was told that this was just due to their "changing the name of the division that services the mortgage loans". Michelle verified the property address then transferred me to home retention dept without even telling me she was transferring! On 6/29 LaToya looked at notes and didn't see anything new on the account re DIL.

This is July 2010: On 7/7 Duane said collection call is notating DIL in account notes then transferred me to Robin. I asked about DIL which was submitted by phone in May (per their info) as was told "that's just how it goes". On 7/7, Alan reviewed info and transferred me to Chris who said account is "not in foreclosure" On 7/13 Qadrina said there were no new notes, "still in review". On 7/20, Ashayla said she would put in an email to person working on DIL and I should get a call call "but may take 48 hours". On 7/21 - Justin, the DIL negotiator finally called, but said that he didn't have my listing agreement & was sending an email for a "few things that need to be reviewed" & "we'll go from there". I received email again asking for list of financial info along with check stubs.It continues on this track so..

Fast forward to October, (with many collection calls verifying address and whether property is occupied) I was told by Justin that I would have a final decision by Oct 18. I called him on 10/25 and was told that HUD was now requiring that "all accounts go try for short sale prior to DIL as of 2 weeks ago", but we can ask for exception for my case. I said that in the mean time, I was going to talk to an agent about the if the house was "sellable" in his opinion. I spoke to agent on 10/28 and arranged to meet him at the house (which I've been to about every week to check on) on 11/1 to show him the inside.

On 11/1, I arrived at house and found that all the locks had been changed! I was never notified and someone obviously went through at least the kitchen cabinets (What else did they think they had a right to go through?) I called BAC and was told that the locks were changed because "they wanted to make sure no one was living there" and that I had to call the "Escalation Dept" regarding the locks. I was told that dept was still open and I called the number given only to hear recording that they are closed.I have jumped through all the hoops and then some only to have BAC kick me through a few more! When will this nightmare end?!

I highly recommend to anyone that may be thinking of dealing with this bank to steer clear regardless of what their "pretty commercial" may say. They only have their bottom line in mind, and not dealing with people.

I spent yesterday over 3 hours talking to 5 people and a manager at the loan department and no result. They have a credit balance there of $660, but they do not want to return it into my checking account from the same bank. I am stock! I don't know what to do because they are giving me different stories, putting me on hold for hours or disconnecting. I have a minus balance in my checking account. Every 5 days I will have penalties of $35. I am all stressed out and I get no help. I will never bank with Bank of America and I will go and complain every where I can, including all TV channels. Please help!

In August, I received a statement from BOA that they had added an escrow to my account, which never existed. I had always paid my taxes on my own, to keep my mortgage affordable. They stated this was done for not paying my taxes on time. Now mind you, my taxes were not due until October 30th. They had paid them on 10/22, leaving me negative in escrow. They did the same for County taxes, also paid before due, again same for homeowners. I called the company over and over until months later, I finally received a response, only after contacting the BBB.

problem out.

Later, I had fallen behind on payments due to being unemployed and I applied for assistance from PHFA. I qualified for assistance to cover past due payments. PHFA received a Reinstatement Agreement from BOA which I find out after all was done and said, was incorrect. They received the monies from PHFA and applied all the monies incorrectly, still leaving a negative balance. This reinstatement agreement had come from them, and it was incorrect.

My principal balance is constantly changing. No two records are the same. Monies was applied wrongly. Late fees were not removed.

I am requesting a full investigation into my account for their inaccuracies as stated above. No one is willing to sort these out within their company; they state their records are correct. This is not true. Thank you in advance for your time and understanding into this matter.

Thank God, the deadline for the tax credit was extended to Sept. 30, however, because of BOA, we missed that deadline as well. BOA approved everything via e-mail and on the phone and all we needed was that information to be sent to my mortgage company on official documents. Repeated attempts by my real estate agent via e-mail and phone were constantly being ignored.

Needless to say because of BOA, I missed the tax credit deadline again. Now 8 months after, the fact we are still waiting on BOA. I just don't understand how the government creates a program to help the economy and banks are allowed to do whatever and whenever they feel like. I just don't get it. I understand that short sales take a longer, but to be ignored and treated as though you are nothing is really sad. It makes me question BOA and all its business practices. I think and investigation should be done to broaden the scope past mortgage issues. I missed out on the $8,000 tax credit offered for first time home buyers.

They said the only way we could "keep" our home was to send a certified check in the amount of $4400.00 due by October 18, 2010. We had to borrow the money, but we sent a certified check from PNC bank for that amount (overnight expressed it) and they received it on October 16, 2010 at 12:53 pm according to our tracking records. They agreed to set up a re-instatement plan with scheduled payments of $2698.99 due the 16th of every month thru April 2011, which we agreed upon.

We were told this was the only way we could keep our home. (We actually can't afford those payments, but we were going to try to send everything we had). So we agreed to the payment schedule verbally. As of October 26, 2010, I noticed a check was sent thru our personal checking account in the amount of $1900.00 from Bank of America (which was cashed).

Therefore, our account is in a negative balance of over $1,000.00 with insufficient funds adding up everyday. We had every dollar accounted for and they were not supposed to process the check. After having multiple phone calls with different representatives, we were told on October 27, 2010 that they have no record of receiving the certified check in the amount of $4400. PNC bank stated the check has not been cashed as of Oct. 27th.

As of today, October 28, 2010, we have no money in our personal checking account. We have no answers from Bank of America and our next scheduled payment of $2698.00 is due by November 16, 2010 and we don't know how we are going to pay it. We have sent Bank of America $6300.00 in the month of October and they don't have records to match that amount since they lost the certified check of $4400.

We are not able to pay other bills which were due. We have no money. I have an anxiety disorder which has become much worse because of this situation. We are afraid of losing our home. With every phone call from Bank of America, we were told we were going to lose our home. The mental anguish is getting unbearable and we don't know what to do.

She emailed me the maximum amount of cash that I could get which was approximately $20,000.00 as well as paying off the LOC and assured me that I could keep the 50,000.00 LOC open. She also emailed the amount that I would be paying per month in 2 separate emails as well as stating it verbally to me on several occasions in our conversations.

My payment would be $1640.00 per month including taxes and insurance. I was told that the loan would close in 90 days. Several weeks later, I received an email from her stating that there was an error in her figures and that now I would only be able to get $8000.00 cash back.

I contacted her supervisor, Robin ** and relayed my disappointment with this news. A couple of days later, I received an email from Mindy ** stating that there was an error and that I would in fact be getting the initial amount that I was told. (approx 20,000.00). Of course I was relieved.

Several weeks went by and I received another email from Mindy ** stating that she needed to speak with me. I called her and she said, "I'm sorry but you won't be able to get the 20,000.00 amount now, unless we cut your LOC to 35,000.00."

On the closing cost worksheet, it said that my monthly payment including taxes and insurance would be $1558.66. I was disappointed but agreed to proceed.

Last week, I was informed that we were getting ready to close, so I asked if I could have my interest rate lowered. I was told to speak with Jacob **. I asked if he would reduce my interest rate to the current rate since my closing had been delayed and I had been through so many changes. At first, he became nasty and said, "Are you in the mortgage business because it sounds like you are telling me how to do my job?" I asked him to please understand my situation and he then changed his tone and agreed to lower my rate.

Last night was my closing. A notery came to my home and my husband looked over the settlement statement. He noticed that the monthly payment was $1913.00. I immediately called and emailed Edna **. She said that this was an error and the correct amount would be emailed to me by Lisa **.

I received the email and then asked Edna if this was correct and she said no. She then proceeded to try to figure out my monthly amount while I waited on the phone. The notery left. I asked her to please call me back when she figured it out. I then received a call from Lisa ** stating the the correct amount is $1746.87.

Frustrated and disappointed, I asked her for help as I could not afford this amount. She said that this has happened before and that she will contact Jacob ** and ask him to reduce the rate. This afternoon, I received an email from Jacob **. He stated that he apologized that some numbers by Mindy were transposed but that there was nothing that he could do.

I called him. I asked him for help and he said, "Why don't we just give you back the money that you paid for the appraisal and cancel the refinance." I told him that I had invested too much time into this and I just wanted some help. I don't want to cancel but I can't afford this monthly amount and he said, "Well then speak to Robin ** about it. "I later received a call from Mindy ** stating that we were only talking about a difference of $13.00. She assured me that she had gone over the figures and that my monthly payment would be $1653.00.

She emailed me a copy of the figures and also 2 more emails with the same figures from Edna ** and Lisa **. I looked at the emails and emailed her back apologizing and said that I would be ready to close. She called me back a while later stating that she made another error and that my monthly payment would be now be $1799.00. I just cried! I asked her how an institution as large as BOA could make this many mistakes.

I am so frustrated I don't know what to do. I am asking you to please make this right and lower my interest rate so that I can have the monthly payment that I was told I would have from the beginning. If you need a copy of any of the emails, I have all of them approximately 80.

I continued to pay my mortgage on time. My August and September statements also reflected past due amounts that had not been paid, which according to BOA were for the months of July and August. I again spoke to several customer service representatives who had no clue where the money was located that I had paid. They all stated that there was no record of my payments that I had made in July and August. I explained that I had proof that the payments had been made through my BOA online checking account on time. I was given several phone numbers to call to speak to BOA consumer advocacy. I was finally told that only they could help me due to my request for a loan modification through NACA. I was first transferred to a "so-called" NACA agent whom I was told was part of the BOA NACA team. They stated that NACA was holding my monthly payments as part of the modification process, and that they would be held for three months while I was under review.

I thought it was strange, the service representative stated that it was the process when consumers choose to involve NACA. She transferred me to the BOA NACA agent who explained that he could only give the okay to release my money so that it could be allocated to my mortgage account, but that BOA were the only ones who could do the transfer. He transferred me back to a regular BOA representative who had no clue what I was talking about. After being given more numbers to call, which all of them directed me back to the same BOA customer service, I became frustrated and went to a BOA branch in Georgia where I do my banking. I spoke with a loan officer who decided that he would do his investigation to resolve the matter. He stated he would give me a call that early evening. I never heard from him. I called and left messages over the next few days with no response. I finally received a call from the BOA advocacy department.

The woman I spoke to explained that it was a procedural process to withhold three months of mortgage payments while I was under review for a modification. I explained that I desperately needed a modification, but I didn't want to be listed as delinquent due to my credit score, and frankly, I didn't trust them. She could not tell me if my credit would be affected, and could not explain why they had to hold my payments, and why they were labeling me as delinquent when they had received my money that I had paid on time. Again, I became frustrated because she didn't have the answers, and according to her, there was no one in position above her that she could connect me with.

I went on the BOA website to find contacts, such as the CEO, to file a formal complaint. I didn't find any contact other than the same customer service contact. I called NACA directly to speak to an agent. The agent expressed sympathy with what I was going through with BOA, but that there was not much they could do to help me on that end. They did suggest that I go to my NACA member site to post complaints with BOA and my legislatures. I went to my NACA site as recommended and found that BOA had posted that I was ineligible for the Federal HAMP program due to delinquency status of my mortgage account. This time they stated that the delinquency was greater than 12 months! As I am writing to you, I have since found the address to BOA CEO to file a complaint. I am also contacting my legislatures and the Attorney General. If anyone knows of any other organization or individual who can help my case, please post. It is ridiculous that a corporation can have this amount of power over our lives.

This is absolutely insane. Each time we call BofA, we're told that's it's in review or has made it to the next level. How many levels are there and how long is this going to take? A decade? We've been asked for the same paperwork about 5 times. We’ve been told repeatedly that they didn't receive it, so now we mail it and fax it. I'm tired of the lies, inefficiencies and delays. I believe they're using this strategy to discourage people and have them eventually give up.

Well, guess what? We aren't going away. We have a second mortgage too, which was going through fine with Wells Fargo. They actually gave us a 3 month temporary reduction until BofA finalized the first mortgage. Since BofA didn't complete it in that time frame, Wells Fargo took away the temporary modification and the increased mortgage payment returned.

After we're done with BofA, we have to start all over again with Wells Fargo. This is ridiculous and insane. Why aren't financial institutions held accountable for completing this process within a reasonable time frame like the 3-6 months that they tell you in the first place? We've incurred more credit card debt due to unexpected car repairs. Our indebtedness continues to soar. We've been trying to assist two daughters through financial hardships due to divorces. Somebody please help us!

They sent me a letter stating I was removed from the plan 52. I called them about this and they reassured me that I would be put back on the plan, but I had to send them a check for one month’s payment and they would start taking out money every week. Now I'm a month ahead on my mortgage and they started taking out weekly payments. When I get my bank statement, they aren't taking out the right amount again. The amount they are taking out will not pay enough to make my mortgage payment. I think they are trying to put me behind on my payments so they can foreclose. I'm living in fear of losing my house because of their incompetence.

I asked why they didn't looked at that before giving me a bad credit report. I received a letter from one of my Credit Card saying they will lower my limit due to the bad report, that by the way this how I find out about this report to the Credit Bureau by Bank of America. The person of customer service said that the bank with the credit card shouldn't take that step.I told him this is what Bank of America has done to me after 16 years of great credit and business

We went to a third party for negotiations and after spending 3000.00 with them, Bank of America found more ways to turn us down. After a while, we no longer made too much money, we had too much debt. We were forced into foreclosure. My wife has begun to work again, but we still lost our house. They told us they would let us keep our home, even though the payment had gone up $300 and we were told that if we maintained that payment for 6 months, they would consider a refinance. We couldn't make the original payment let alone one that was $300 more.

On October 6th, we lost our home. We are now renting 2 streets over from our family home. Because they were not willing to work with us, we will not be able to own our own home for many years to come. Both me and my wife are 50 years old. Each person we spoke with at BOA told us a different story and gave us different information. They waited us out so they could have our property back and resell it.

This just isn't right! We were willing to work with them, but our best interest was never a consideration. Consequently, they stole our home back from us. I don't know if we can ever recover from this. Bank of America should not be able to get away with this. It has been the same as robbery!

Now we are way behind even though we have made the payments they have told us to. Last week a girl told us all of our paperwork had been accidently shredded and we must start over. This has been going on for almost 2 years. They refuse to honor our agreement with cw even though we had done everything and had our agreement notarized and everything. Who do we call for help?

My BK lawyer worked with BoA's attorneys and they dropped the Motion for Relief. I have had no documented response from BoA/CW division on how I got 5 months behind. If they were counting the 1500+ escrow payment plus one deferred mortgage payment would have only equaled 3, not 5. For the last 5 months I have been waiting for a negotiator from BoA to modify this loan but I have not been assigned one as of yet. They want me to continue to fax updated income documents to them (which costs money) every 2 months but I have not been assigned a negotiator yet.

I have found out through the BK Department where I pay my payments that they now have a partial balance account and escrow account in which my escrow money is split up in these two accounts. Instead of my 317/mo going straight into my escrow account to pay for my taxes/insurance (which is more than enough for those two bills), they are keeping some of that money in the partial balance account to try to catch up my 5 back mortgage payments, which always leaves my escrow account in arrears. By agreement with me they have to pay my insurance/taxes but that puts my escrow payment always behind. My husband and I were not consulted about this; BoA just decided to do this so they can get their money, minus our permission. In the meantime I am calling weekly with still no negotiator assigned to my case. And, with BoA's major problems now, we will definitely be on the back burner for a good while.

In April I paid $2,730.00 to the escrow for money that they said taylor, whitaker and bean took when they went out of business. What the **? I really made myself sick worrying every when I go to the mailbox what buttons have they pushed this month. My escrow is figured into my house payments. I know that house insurance and property tax can go up yearly but, if my escrow is figured into every month then, why send me bills for one month for thousands of dollars for the escrow? I have went several times to my congressman to try to get answers but, I am always referred to call a CEO in Texas or Colorado or somewhere where a CEO can explain it to me and each one I talk to has a different answer and assures me my will not go any more. From $789.31, it is $911.00 a month.

I had newspaper articles where they it to countrywide and several people had told me watch out for them.

They don't care or thoroughly go over your papers. Really they are too busy confusing other people and have too many accounts to do without the correct personnel to do everyone. I am at my wits end and really do not where to go from here. Can someone help me before I miss a payment? I am a senior citizen and will probably never pay it off before I die I want to live where I am now. Then BAC can have it and maybe the next person to get this house can win this terrible war with them. Can someone somewhere help me?

I have documents to show you. How can I get them to you? And can you recommend an agency that I can report them to? In my case, I paid and still I am fighting with BOA. What sense does that make? Please help me.

A month went by and no call, I called back several times and finally got to talk to a person that took more information and said we would be receiving an application package in 7 to 10 days and that during the application period we were to make trial payments that were nearly 300 dollars less than our normal mortgage payment. The representative also noted that during this trial period, there would be a note on our credit reports that indicated a less than normal payment was being made.

The application package was sent to us via FedEx, which we filled out and returned promptly. A month went by with no notice or update about the status of our application to modify. Again, I called the BAC home loan servicing LP center and asked about our application. I was told they did not have an application from us in their records but they would send another one for us to fill out and return which we did, promptly. We repeated this process 5 times until May of 2009 when we received a letter from BAC home loan serving LP that stated they were unable to process our request for loan modification because they had not received the necessary application forms! (Side note: At this time our home/auto insurances had come due and because of the notation on our credit reporting from BAC home loan servicing LP, our insurance premiums increased by 300 dollars per month!)

I had to question where all of the forms that included much of our sensitive personal information were. In desperation, I sent emails and faxes to every B of A corporate person I could find an address for. One day later, I received phone calls and emails from B of A department heads and was given a phone number to a person that would be handling our modification. I called and spoke with that person, confirmed some of our information and was told I would receive notice of our modification status within a week which I did. I was told the modification was finalized with a new lower interest rate and monthly payment was now permanent, and that I would be receiving the new contract and payment coupons via mail.

We did receive the new contract, which we signed and returned, but no payment coupons. As there were no payment coupons to state how the payments were to be made or mailed to, I called once again to BAC home loan servicing LP to obtain this information. Which brings us to date, we have been mailing our mortgage payments to the location we were told (called a second time to confirm) as our online banking has not yet been corrected so that we may make the payments online. Additionally our online banking shows us delinquent. And now we are receiving notices by mail that we have not made our mortgage payments and are in danger of foreclosure. I have tried to call BAC home loan servicing LP to the same person that was handling our modification and was told our loan is being handled by someone else now and that person will call us.

We are still waiting. We can see where this is heading. We will lose our home and maybe after a year in court, we might get it straightened out but by then it will be too late. It is bad enough that we have lost any equity we had in our home because of the housing market collapse, but to add this dilemma on top of it. All things considered, we now understand why so many have chosen to just walk away, and now is the very thing that we must consider.

When I called back two days later to confirm that this was taken care of correctly and my current payment was posted correctly, I asked to speak to a manager, and was put through to a voice mail after being on hold for ten minutes, although the service department assured me I would be speaking to a person. I am frustrated and would move my mortgage to another company, but my husband and I owe $20,000 more than the home is worth and cannot get refinanced at this time. (We already tried).

Per our discussion and agreement (with b of A), I sent in all the requested documents as requested and made all the trial payments of $1,330.48 as requested from November to June. I was expecting and was placed on bed rest from February to July. Fortunately, I still succeeded to make the payments as agreed until I received a letter in June advising that Bank of America was not going to modify my loan and was demanding more than $12,000. The letter stated that I was about 6 months past due and that because of my reduced income (even though it was temporary), they wouldn't be able to approve my modification.

That would have been fine, had they applied my payments accordingly, but they only applied it to the principle balance and not to all payment ledgers. They have my account reflecting as if i have never made a payment since October according to the past due payment amount/date ledger which is incorrect. My only request was for them to apply my payments of $1,330.48 to the past due amount/date ledger and then I will pay whatever was left over.

If you calculate $1330.48 x 6 = $9,313.36. My normal mortgage payment is about $1,78s/month. If you calculate $1,785 x 6 = $10,710. I am guessing that the $12,000+ amount included the $10,710 plus fees. Bank of America has refused to apply the total amount that I have paid over the past few months to the total past due amount. Bank of America has only applied it to my principle balance. Understand?

I have tried to call them again and again to no avail. I have called NACA and I have actually received calls from someone representing Bank of America's investors who wanted to find out more details about what was going on with my loan (investigation), to no avail. This is awful what they are doing because I actually have been paying and want to continue to pay but did not have $12,000+ that they said l owed and needed to pay to prevent foreclosure. I find that to be very unreasonable and unfair when all they had to do was apply all payments to all systems accordingly and I would be able to continue to pay. Now, the amount is up to $20k and they still have not applied the payments to the past due amount.

This could have been resolved by now before it grew to this large amount! Furthermore, this could be one less home in the foreclosure status. Last but not least, I, a single mother of two boys, who is willing and wanting to pay, should not have to deal with this mess. Please advise any options or avenues that I can take to get this resolved as soon as possible.

I called Bank of America for addressing information and they looked up my account. The gentleman I spoke with gave me the address and a warning that this went over their "magical" $10,000 mark and that the company would probably want their own inspection to verify work was done, a release of lien claim form signed by my contractor and a form signed by me that the work was done. He also said they may just sign the check because I had never missed nor been late on any payments. He said mail the check and he would go ahead and fax me the forms and set up my inspection. He then gave me a confirmation number for the inspection. He said he was noting this on my account about the inspection etc.

I mailed the check and a cover letter priority mail. In that cover letter, I explained that the work was completed, inspected, passed and that the contractor was fully paid. If they had any questions they could call me and I left my number. Within 3 days, the inspection was done. I had the forms filled out signed and faxed to the number given. The next day my check showed up in the mail unsigned by Bank of America. It was sent back by regular mail which had taken 5 days from the postmarked date. Included with the check was a "form" letter that said I need to endorse the check and send it back along with the contractor's estimate and W9 form and that they would disperse the payment as work was completed and after Bank of America had inspected the work.

They did not acknowledge any of the previous contact with them regarding the work being completed. I called them today to question why they did not call and why I was sent this letter with the incorrect process. They read back to me what I was supposed to do. I then explained the history to this guy about what I had previously discussed with their department. He then changed tone and said they had not received the paperwork from me that was needed, that it takes at least 48 hours for faxed information to be transferred to my account info. and I then spoke to his supervisor.

She then acknowledged my previous conversation with their department and that they had sent the wrong information to me. I requested that they call me when they get their *** together and have all of the paperwork acknowledged and the inspection so that then I will mail the check. She said they do not call people, that it is up to me to follow up and call them. She said I could go ahead and endorse the check and send it for their endorsement. I said, no, that I will not have an endorsed check in the amount of $5400+ floating around in the mail. I will call and find out when they have all their ducks in a row so that I can mail the check in for endorsement.

I have never done anything to warrant bad judgment from a mortgage company and that I think it is unheard of that they will not call me back for anything. I will mail the check again in a day or so but if they do not sign and they send it back, should I go after the insurance agency to reissue the check in my name only if I can prove the work completed?

The $38.00 is not a great economical loss to me but of course, money is of concern or I never would have agreed to refinance. I have 2 children in college. What troubles me is their blatant lying and the manipulation of HUD Settlement fees.

We had called and asked for a status of our short sale and we were told that we had a negotiator assigned to our short sale on 13 July 2010 a Miss T. **. I had to call the short sale department to get good contact information for her and I could only get an email address and no phone number. I attempted to contact her via email and she never responded. On 24 July 2010, we got a letter stating that our short sale was unapproved for 140,000 and they wanted 145,000. The buyer terminated the contract because they could not go any higher.

The 110,000 offer was never submitted because if they won't approve 140,000 why would they approve 110,000? Also our debt for our second mortgage account is closed as a charge off with $2800 past due. Another question that I am trying to get the answer to is why BOA would not take the $140,000 when we only owed them $128,000? We decided that it would be in our best interest to file for a deed in lieu. On 22 September 2010, called BOA about deed in lieu. They told me it would be a 30 day process and that they would submit our information and would assign someone to us and we would hear from them. We never submitted any paperwork, signed anything or submitted our financial information to BOA.

On 30 September, we called and checked for a status with no one assigned. On 13 October 2010, I spoke to Cassandra, Short sale department and she said that if we had moved due to our employer moving us within the past 90 days, we would benefit from another program. I was then transferred to Home retention department and I spoke with a male about our issue with the house. He said that Victor ** was assigned to our loan for deed in lieu on the 4th of October and we were never notified. I was told to check back. I then asked if I could be given a contact number for the individual which was given to me.

I called this individual at the Deed in Lieu @542pm EST and he was not there. I left a message and have not received a call back yet. We have also tried to discuss our options with the short sale department about having DOD HAP benefits but it still does not get us anywhere. I called Mr. Victor on 14 October and left a message and again on the 18th of October. I am still trying almost on a daily basis but I am not getting anywhere.

When it came however, I saw that there was a balance of $109.81! What's this? I called up the bank to ask and was put on hold a total of 5 times. Each time, I got a different young man with an Indian/Pakistani accent giving me a different story as to what that charge was. One even told me it was a late fee! When I finally got through to an English speaking person, I was told that this was back interest. Back interest? I asked for the payoff amount - wouldn't any interest that I owed be included in this?

Meanwhile, I start to get electronically dialed phone calls. I answered the phone, and a computer tells me to 'please hold'. Right. Then yesterday, I got a statement in the mail that says if I don't pay this $109.81, they are going to foreclose on my home. Please understand, it is not about the money - even though I am unemployed, I could easily send them the money. The point is, I asked for the loan payoff amount, cashed in my IRA, took a penalty to do it, and paid off my loan in its entirety.

I feel BoA is trying to milk this extra money out of me in an attempt to save their own shirts. They are doing it to all the 'little people'. I did the right thing here! I paid off my loan in full! How many rich people are out there with zillion dollar mortgages, who default on theirs? This is not right. I hope you will take this on and help me.Many thanks.

However, each time I was transferred to the modification department, I was told that my information was complete. At this time, I was concerned because my home loan was already past due (I was told by BOA that in order to quality, that my loan had to be past due). Then, I received paperwork from an attorney's office in St. Louis stating that my home was in foreclosure. I immediately contacted BOA and they said that, "No, as long as you are going through the process for a home loan modification, your home cannot be foreclosed on."

As the sale date of my home came closer, I continued to call BOA regularly and was repeatedly told the same thing--as long as I was going through the home loan modification process. My home would not be sold. I called BOA again on 30 July 10 and was told the same thing (about the modification process). However, after being transferred to several different departments (due to my inquiry as to when my modification would be approved), I found out that my modification was denied and that my home would be sold on August 2nd.

I was never notified by BOA that my modification was denied. I then decided to call the attorney that was handling the foreclosure. They said that they had never been notified by BOA that I was going through a modification process--and that unless I came up with nearly $8,000 that day, my home would be sold out from underneath us on August 2nd.

In an absolute panic, I called my parents, and they agreed (hesitantly) to loan us the money. In disbelief at this point, I called BOA back (who once again informed me that my home would not be sold on August 2nd) and asked them how the money should be transferred to them. My mom spent her entire work day (she had to take the late morning/afternoon off) talking with BOA and her bank trying to get money sent to them. BOA refused to allow a check that was made out from her bank directly to BOA to be deposited into my account. BOA also denied an offer from her bank to wire the funds directly to BOA. My mother finally had to send the money through Western Union. Even though the money needed to be sent that day (and my mother sent the money via Western Union "quick collect"), it took BOA until August 2nd to list the money as received.

Since that time, I have asked BOA numerous times for an exact printout of where the nearly $8,000 went. How much of it was to the mortgage and how much of it was fees. it is October 19th and I still do not have the answer. I was told in September (when I called BOA to inquire because I now had an $800 credit on my account) and was told by one department that the money went to "fees" and another department that it was put into our escrow account.

Again, after several attempts to get someone to tell me how the money was spent, I still do not have a breakdown. I am horrified by our situation and am not only out nearly $8,000 but also hundreds of hours spent on the phone with BOA--getting hundreds of different answers from different people. Finally, when I call BOA to this day, they still show that we are in the process of a home loan modification (and were never denied as I was told on July 30th). There has to be someone who can help me! Please!

However, I was declined for a sale date extension for some arbitrary rule therefore, going ahead with a sale date of October 5, 2010. Does that make any sense? I was told it was at Fannie Mae for approval. However, BAC told me that the investor will not allow an extension of the sale date. Why would you arbitrarily do that after all this time? I am certain that I meet all of the financial requirements for Trial Payments and a consequent Loan Modification, if I can get an extension of the sale date of October 5, 2010. I have major medical issues of which wrote Mr. Ken ** about in 2009. Your office proceeded with my application, but with all of your related corporate restructuring, I am sure many like myself have slipped through the cracks.

In addition, BAC has been harassing me constantly in regards to homeowner's insurance and imposed a $7,600.00 windstorm policy because you neglected to timely notify me that you no longer carry Windstorm Policies (another communication impediment). I consequently purchased a policy for $900.00. However, BAC refused to credit my escrow account. I keep hearing on the news and from politicians that your bank is not really interested in helping those who are able and need help. It would seem nonsensical to go through all of these machinations, unless you are just biding time to get these delinquent accounts off of your books through foreclosure due to your Corporate Asset requirements which necessitate a certain financial assets which is not expedient vs bad assets. I would appreciate a sale date extension and an expeditious approval of my Loan Modification.

I sent BoA a copy of the tax bill, showing my taxes were reduced, but they insisted it was taxes. I continued to pay my original mortgage payment. After a month or so, I was told by BoA that they will not accept partial payments, and will begin foreclosure procedures if the payments were not caught up. I attempted to negotiate with them, and they sent me a modification which I was unable to do, since I did not have the up-front money $5,000.00, and a mortgage payment over $1,900.00.

Since then, I have been trying to short-sale the property (which is another nightmare). Even to this day, I was unable to get a straight answer for the increase in the mortgage payment.

In short, we applied for and were immediately approved for the Making Home Affordable program. We were given three months probation with reduced payments to have been completed last January. We made all of our payments on time and maintained constant contact. In January, we were told that there was a backlog of MHA applicants. We told to continue making payments, and throughout the process, until the end of May, 2010. During the time that we waited for the final loan modification package, we were sent two packages from Radian Inc.--later finding out that Radian is not only the company that B of A shared our loan modification through, they are also the underwriter of our mortgage insurance.

This is where things took a turn for the worse after having our hopes up that our home would be saved. Not recognizing Radian, I called Bank of America to verify whether we should or should night sign documents from Radian. Bank of America (from bottom to top-level management) denied knowing who Radian is. A few B of A reps admitted that they were aware that Radian modifies loans of B of A. Radian had maintained that they not only commonly work with B of A loan modifications, B of A is one of Radian's largest clients.

We have gone through (for lack of a better word and with my apologies) hell over past year. B of A told us back in May--after being told all along that we were doing great in the program--that our Making Home Affordable load modification was terminated because we didn't respond to the two FedEx packages the B of A told us to ignore. I can't begin to explain the run-around, the attacks, the insults and the interference that we have endured dealing with B of A including an executive officer very high in the company (who also denied recognizing who Radian is).

Assuming that B of A continues to drag this out over the next 30 days as they have over the past 360-plus days, our home is up for sale on November 19th. We hope that B of A will come through in the next few days. What I am requesting is that someone addressed in this letter will contact Bank of America and put a hold on the sale of our home until our case is investigated. We are in better financial standing now, than when we were approved twice before a year ago.

The news of B of A's unethical behavior regarding prematurely foreclosing mortgages has prompted me to contact all of you. We have over $30K at stake and over 20 years of hard work to own a home at stake here. Please help us. Please acknowledge receipt of this letter, whether or not B of A was contacted, and their response. I was able to qualify for my first home mortgage through a VA loan that I earned having served my country for four years in the U.S. Marine Corps. I will lose it next month. My sincere thanks and appreciation for reading this letter.

Well, who in the world would just say Ok I will pay another $30,000, why can't they answer me. They said human errors happen but unfortunately the papers need to be signed and returned or they will foreclose on me. I have worked hard to own my own home, love our neighborhood kids in school and have never missed a payment, have made all loan modification payments never late and what gives them the right to make me wait a year then add $30,000 and not expect me to grieve that they have made a error yet not explain why.

Rip off, American dreams are not American anymore. I was fine with everything except the extra $30,000 with something that was suppose to be Government help with no charge help with no charge guess not and no one to help. Just great. Thank you bank of America for nothing.

I was told that my debt to income ratio didn't qualify me for any program. That was a no brainer-- I just lost my income. Anyway, so instead of paying a payment I paid off a bunch of our debt. I then contacted Bank of America once I had some significant debt paid and asked them the same questions. We went through the same routine conversation and question/answer period but this time they said I qualified. Oh and I also had a new job by this time, however, I was earning less money, much less. Nevertheless, they told me to send in a ton of paperwork, employment verification, a hardship letter, tax statements, the whole works. I sent it in for them.

During this time, they were working on putting together this forbearance payment for me, $828.66 per month for three months when it finally arrived. But during this time, I would consistently get letters stating that I didn't qualify now. They didn't get something from me they needed or they would send me a bill with a new higher payment amount. Each time I would call, I would get a different story from each representative.

So when it actually finally arrived, I made my three months payments as requested and then didn't hear a word from them. Approximately a month goes by, so my husband called them. Oh yes, they reassured him that the new modification would arrive in December. January shows up and we still haven't heard anything. Then we get a letter in the mail stating that we don't qualify and our new monthly payment is over $2000. That is over $400 more than our original mortgage payment. We could not afford it. So we called and again. We were given the runaround numerous times only to finally have them tell us our debt to income ratio was too high.

What? We didn't incur any new debt since we were qualified last time so what is the deal? We just threw our hands up and said forget it. We have tired for almost two years to work with the bank on an affordable mortgage payment and now our house is in the foreclosure process with a sale date of November 29th 2010. So we started selling our things. We stopped putting money into the home for fixing stuff and we started packing and looking for new homes. And now what? The bank sends us a new affordable plan out of the blue and are willing for work with us all of a sudden. Why now? Why after we have tried for so long? Why after we sell our possessions? We wanted to keep our home and they played games with us for so long and now that we have gotten rid of our personal belongings and our preparing to move, they pull this.

I have sold a large amount of our belongings knowing we have to downsize at dirt cheap and sometime free just to get rid of them so we have room. We have been on an emotional rollercoaster with BofA from all the games and false promises. I don't know what to do and I don't trust this bank. We have three days to follow through with their new plan and I am in no position in three days to send them all this money and nor do I trust them. I am so angry and I want to talk to an attorney or get legal advice. I don't think the bank is honest with me when I called. I am afraid to send money now until someone that knows the logistics and legal side of things can negotiate. Please help.

Rather that admit to yet another mistake in a seemingly endless line of blunders, Bank of America has elected to lie about facts and obscure reality. In its response, dated September 2, 2010, Bank of America acknowledges that it made mistakes regarding me and my mortgage. But it is claiming that when it threw my house into foreclosure, this was not yet another blunder. This was a deliberate action, and it threw my mortgage into foreclosure because of $200 in erroneous fees that were the result of further blunders on the part of Bank of America fees that Bank of America would concede were wrong and would erase.

My mortgage balance was about $314,000â. All monthly payments in the amount of $2658.13 were current. My mortgage was, and remains, in good standing and current on all payments. The fees in question represent less than one-half of one percent of the balance on a loan. As ridiculous as its argument is, BofA's argument is a lie. Bank of America had already mistakenly thrown my mortgage into foreclosure a month before it made any claim to these fees.

It does not matter how Bank of America tries to spin reality, Bank of America screwed up and threw my mortgage into foreclosure as the loan remained in good standing and was current on all payments. By the admission of Bank of Americas own employees, my mortgage should have never been in foreclosure proceedings. Yet Bank of America refuses to acknowledge this blunder, and refuses to properly fix its mistake and also refuses to respond to my inquiries about my pending loan modification application.

During the 10 months, Bank of America basically dragged on this process. Only after 8 months, they told me that my un-employment is not considered a source of income. It took them 7 months to actually assign a negotiator to tell me. Before that, I was transferred from person to person and told to call back in a week, and that they were working on my file. After calling them on a weekly basis, they told me only after 6 months who my negotiator is. Up until then, they basically jerked me around.

So now, my credit history is ruined because they are stating that I owe them $10,000.00 because I defaulted on paying them (meanwhile this was the trial payment). So, I can forget about refinancing. They really could have told me this at the beginning that I do not qualify for a modification. Then, I would have gone from there. But now no bank wants to deal with me.

Once I started researching this online, I realized I was scammed just like the rest of the people that are reporting to Consumer Affairs. Basically, Bank of America is doing this to all their lenders that need help and want to modify their loan. They have them in a spot where they can’t go anywhere else. Bank of America received billions of dollars from the government in order to help people who have financial problems. But instead, they hired the best lawyers in order to figure out how to screw us over legally. I feel like I have been taken advantage by the biggest bully there is.

On 08/30/2010, we received the big stack of loan papers to sign and send back. In the mean time, we have paid $315 for the inspection and $605 for the appraisal. Which by the way was a disaster in itself. That will be another complaint I would like to discuss. Our closing date was to be on 09/15/2010. It was on 09/20/2010 that we found out the appraisal was done with errors to the tune of us bringing more money to closing for the difference in comps he picked. (like I said, this is another complaint in itself).

Well I said, we have not been late on anything. Well, are you sitting, on Feb 4, 2008, Columbia house said that I had not paid for a DVD. It just went into "Collections" in mid 2010.

I never received any correspondence from Columbia House or the Collection Co, Trident, ever! My wife tried for another few weeks to find a way to buy her Dream House, with no luck. On October 13th, we had to let the house go! My wife is having Post Tramatic Stress Disorder over it. Oh, did I mention our B of A lender, Roland **, quit his job at B of A because none of his loans were going through. B of A ran my credit 5 times in this period. 5 times and it took that long for them to figure out there was a problem, come on!

When I say not completed, I mean just that. I have not been denied the loan. They just cannot seem to finish the paperwork. Every month, a different person comes in as the white knight with an attempt to save the day and nothing ever gets done. I have sent them my paystub on four different occasions, have resubmitted various paper work over and over. It is now approaching seven months in this application process. They have my original $400 and if I cancel, will charge me another 400 for the appraisal. So I have been trying to see this thing though. But I believe I am at the end of the line. Please be warned. Look elsewhere.

I did all that was required and have had nothing but a runaround by this organization. What should I do next?

So I called them back. They told me to sell the house or short sale the house. Is this legal for a mortgage co. to say thing like this? Where do I go from here? Please help.

I also filed an appeal to be reconsidered for the Making Homes Affordable Program. On September 2nd, in response to my complaint to the BBB, I received a call from Ms. Tarica **, Office of the President. Ms. ** stated that she was the advocate assigned to my case. Ms. ** also let me know that my appeal had been accepted and my new negotiator would call within 24-48 hours. On September 9th I had not received a call from my new negotiator. I called Ms. ** who stated that the underwriter would call me next week. Ms. ** then admitted to the numerous errors pertaining to my loan. Ms. Brown stated that she would look into getting my credit fixed, as Bank of America had reported my loan as past due for the months of May, June and July. Furthermore, Ms. ** stated that she had put a block on my account to ensure no further credit reporting would be made.

I then spoke to the underwriter of my loan, Mr. Jesse **. Mr. ** asked for additional documents, which were promptly sent. On September 22nd, Mr. ** called personally to let me know that my appeal for the Making Homes Affordable Plan had been denied due to the increase in my finances. Mr. ** also stated that he had sent my loan for a second look. On September 30th, I received a letter stating that my application for the work out plan had been denied due to failure to submit required documents by the specified due date. I called to speak to my advocate in the Office of the President, Ms. **. Ms. ** was unavailable. However, a representative sent her an email asking her to contact me as soon as possible. I was transferred to my negotiator Ms. Lanesha **. She stated that she wasn’t sure about the letter.

However, she was seeing that I was approved for a modification on September 27th. She told me that she had to speak to her manager, and would call me right back. On October 4th, I received a return call from Ms.**. She stated the reason I was denied was that the documents were supposed to be submitted by September 9th, and mine were late. I informed Ms. ** that I had been in direct contact with the underwriter, and that my documents were most certainly not late. Ms. ** stated that she would have to speak to her manager again. I also attempted to contact Ms. ** in the Office of the President. Again, Ms. ** cannot be reached. The representative stated that my account was no longer flagged to be directed to that particular office. Another email was sent. On October 4th, Ms. ** returned my phone call, more than one month of emails later.

She stated that because I had a negotiator, she was no longer involved. I informed Ms. ** that my complaint had not been resolved. I explained that I was sent a letter stating an incorrect reason for being denied. I had now been denied twice for the Making Homes Affordable Modification and given 4 different reasons as to why. I also asked Ms. ** why my account was continuing to be reported to the credit companies as past due, as she had stated, on September 9th that she had put a block on.

Furthermore, I asked Ms. ** why she had failed to research my request for a letter to be sent to the credit companies stating that Bank of America had incorrectly reported my loan as past due. Ms. ** stated that she was putting a block on my account again. She also said she would research my account to resolve the ongoing credit issue. Ms. Brown stated that she would call me back with answers no later than Wednesday October 8th. On October 8th, I called to speak to Ms. **. However, she was unavailable. Another email was sent asking her to contact me. I then called Ms. ** who stated that she was not the negotiator for this loan. However, it looks like it was denied.

I informed Ms. ** that I was told by the Office of the President that she had been assigned as negotiator for the second look modification loan that I was applying for. She stated that she had no idea. Ms. ** said she had tried to call the underwriter. However, she had an incorrect phone number. I gave her the correct number again. Ms. ** then stated that the denial for the second look was out of her hands. I let Ms. ** know that I was concerned. I had been given another false reason for my denial, and that I was upset she didn’t know that she was assigned to help negotiate my loan.

By May 2010, they had yet to make a decision to accept an offer or make a counteroffer etc. although my realtor and I completed all of the information they requested within 24 hrs. Both buyers pulled out. Again, the house was open for offers. By June there was another offer. It took them another 2 months to approve the offer and close on the sale. Again, I had all that they requested to them within 24 hrs, including completing my financial statements, explaining why selling home etc. on at least 3 different occasions. They kept saying it was lost or needed updated because it was "old." The house continued to sit vacant and my credit showed me in arrears for over a year, although I was prudent about getting it sold quickly and had cooperated with them in every way.

BOA decided to transfer me to a loan modification department but once I was finally transferred, I was right back to where I was the first time with the refinance people. After looking into programs, the Loan to Value ratio can't be more than 105%. Mine was 107%. Fannie Mae will allow up to a 125% Lone to Value. I am currently looking into other banks who want to work with me. I never have been a fan of BOA since I was in college and got a credit card with a $2500 limit through them. Within 4 years I had a $23,000 limit on that card. They seem to want to set people up for failure.

Shortly after they told me this, I got an Act 91 notice of foreclosure. It said my mortgage is in default and they will foreclose on my property if I don't pay the amount of $2,651.83 in 30 days. I have no idea why I owe this money. I feel that I was set up for some unjust reason. I called them about this and numerous people from Bank of America told me to continue to pay the modification amount, which is $677.61 and also told me I was still in the trial period. Now, I'm confused. I never missed a payment during the trial period and I still make my mortgage payments on time, but the foreclosure is still in effect and is very official. I did everything they wanted me to do from the start. I feel like I was trapped into this unfair program just to get money from me and make things worst for me. I thought this Obama program was to help people and not make things worst for people like myself. Thank you.

Every person with any kind of common sense knows that these foreclosed homes are being sold for much less than what they are worth ranging anywhere from 50K to 100K. Why are these banks allowed to continue to ** the consumer with these foreclosed homes? When does Congress step in and put guidelines in place protecting home owners that are being affected by the banks foreclosures?

Not only are the banks to blame for putting buyers in homes that they couldn't afford, now they are driving market values down even more. Did I mention the appraiser that came to our home was "contracted out" by Landsafe Appraisals that is owned by Bank of America? If every consumer writes to Congress and pushes for action to be taken, perhaps in the near future our home values will start rising again instead of consistenly declining. When do we say "enough is enough"?

I called ahead to let them know, said there was nothing they could do as we were current. Well, now that I'm over 6 months behind in payments, they are now threatening foreclosure. I have spoken to them on numerous occasions and they have never offered me any assistance. I was working with a BOA representative along with a counselor from the Home owners help line, "HOPE". Finally in June, BOA said that I may qualify for the Making Home Affordable Plan, and would get the Packet out to us. I called back July, still no packet, they would resubmit. I've called every two weeks since and here we are, beginning of September and still no paperwork. I keep getting the runaround.

I did get an acceleration letter stating I had to cure the loan by September or they would start foreclosure. I called them and asked if I could speak with the foreclosure department and ask them to process my modification paperwork because they seem able to get paperwork out pretty quick. I was assured that my home wouldn't go into foreclosure since we are in workout status.

What workout? We haven't received anything. This is a joke, and it frustrates me beyond belief that these banks took all this bailout money and monies specifically to be used to help homeowners and only a small % of people have even been helped. I believe in Obama, and I believe he had the best intentions with the home affordability plan, but the banks are doing everything possible to drag their feet and hold on to the money. I bet the banks are earning interest on these monies; they have no rush to let go of any of it. Our loan is also USDA guaranteed, so even if it forecloses, they are guaranteed their money, they have no incentive to help us. This is ridiculous, and is so sad. I live in a subdivision surrounded by empty, foreclosed homes. They would be better off helping homeowners keep the homes, keeping the values of the homes up.

They would resubmit. I’ve called every two weeks since and here we are beginning of September and still no paperwork. I keep getting the run-around. I did get an acceleration letter stating I had to cure the loan by September or they would start foreclosure. I called them and asked if I could speak with the foreclosure department and ask them to process my modification paperwork because they seem able to get paperwork out pretty quick. I was assured that my home wouldn’t go into foreclosure since we are in workout status. What workout? We haven’t received anything. This is a joke, and it frustrates me beyond belief that these banks took all this bailout money and monies specifically to be used to help homeowners and only a small percent of people have even been helped.

I believe in Obama, and I believe he had the best intentions with the home affordability plan, but the banks are doing everything possible to drag their feet and hold on to the money. I bet the banks are earning interest on these monies. They have no rush to let go of any of it. Our loan is also USDA guaranteed, so even if it forecloses, they are guaranteed their money; they have no incentive to help us. This is ridiculous, and is so sad. I live in a subdivision surrounded by empty, foreclosed homes. They would be better off helping homeowners keep the homes than keeping the values of the homes up.

I lost $217000.00 on the initial downpayment plus $40000.00 in payments over the year, $4500.00 attorney fees on foreclosure and other legal issues in the 3 years since I closed on this home plus moving expenses of $3000.00, all documented.

Who are they trying to kid? The fact is they are providing their customers under financial hardship worse rates and options than other customers. Yes, they do have the right to do this, but don't advertise that you care! I wish I had never heard of Bank of America and I will never do business with them again.

I immediately contacted representatives of BAC Home Loan Servicing, LP from October 2009 to December 2009 that their records were inaccurate, and after a lengthy process, I was able to send documentation to show that the banks information was incorrect. In February of this year, BAC alleged that my January 2010 payment was late and have incurred a late fee of $67.74, which was later reimbursed when receipts were provided that bank information was incorrect.

We decided to cool off for a few days and attempted another try at the modification process and called the Bank of America team again. They told us to wait and that Obama's help for the homeowner program will be our better option. So we did for two months, no one ever contacted us so we contacted them. They told us that we still do not qualify. No matter what's the circumstance, we are never going to qualify. I asked them what is the qualifying determination and they said that we take your current income which has been reduced due to the economy, your current debt ratio and your household bills then, we factor in your current mortgage. That's when I stopped them and said if we are having trouble paying our current mortgage, why would that be a factor? They said that is how we calculate a modification. Then I knew that there was no way we would qualify under those guidelines.

They said "you better get ready for a move then". So I came back to them and said "how about an interest only loan for 3 years which would be about $825.00 month?". At least they would still be making money on the mortgage. They said that it is not an option. After being defeated, we kept track of the foreclosure process on our house and when we realized that they will be locking us out, we moved into a rental for $850.00 month and we have been there since 8/1/09, over a year without ever missing a payment. We have never been late on our credit cards or any payments at all. One credit card was issued from Bank of America. Also, I have been an account holder at Bank of America for 28 years, so I thought they would work with me. I thought wrong.

A Bank of America employee contacted me in January of 2010 and solicited a loan modification by telling me if my finances are tight, I should apply for a modification called Making homes affordable. The Rep told me if I qualified, my payment would immediately go down hundreds of dollars pending a permanent modification. I asked two questions; (1) Will it affect my credit? (2) What happens with the money I save if the modification is denied?

I was told this was President Obama's government program and it would not affect my credit. I was also told money saved during the trial modification process would be added to the back end of my loan if it was denied. Due to being a Furloughed state employee, I applied to try and get a better interest rate. My payment was reduced from $2644.00 to $2073.00 during this "Trial period".

Within 10 days of applying, I got a letter from B of A stating my credit rating had dramatically changed and they were reducing my credit card limits down to the amount owed. This made it appear that all of my credit cards were maxed out and took my credit away.

I called B of A and asked what's going on and was told, "Nothing", that they were re-evaluating all customers, which was a lie. I then received a package that requested multiple documents and applications for the modification. I filled them out and returned them. After (3) months of not hearing from B of A, I called and requested a status update. I was again asked to fax bank statements and a profit and loss from my small farm. I faxed the documents the same day they were requested. Three more months go by, and I receive a letter from B of A denying my modification due to not providing documents requested.

I called B of A and they stated they never received my fax from (3) months prior. They also stated they attempted to contact me multiple times by home phone, cell phone and my work. I stated that I had the fax confirmation for the documents they requested and was told they don't care. I informed them I carry a cell phone 24/7 for work and have never been called.

I informed them I have an online bank with them and they could have contacted me via email or online and have never received any correspondence. I informed them that my Office is staffed with clerical 8-5 every day. As I continued to get the run around with multiple people and phone numbers, (Often being transferred back and forth from the departments I had just talked too) I filed an appeal with B of A, relaying to them the above information. The appeal was denied and the modification was denied.

On October 3, 2010, I received a registered letter from B of A that I had to pick up at the post office. It was a Notice of acceleration on my home. The notice stated if I didn't pay close to $3,000.00, I saved over the last (6) months (Roughly $500 a month for 6 months during the trial period of modification), they were starting the foreclosure process.

1. I was given bad information by a B of A employee during the January 2010 call. I would not apply for anything that would hurt my credit as I am 38 years old and have never had a late payment on anything.

2. I provided information they say they didn't receive even though I could prove to them they received it.

3. I was denied the modification and they are reporting late payments on my credit even though I have made every trial payment they have told me to make.

4. They want me to pay the money back within 2 weeks or they are calling my loan due.

I went to the Bank of America Branch in Redding CA and spoke to the Manager and provided him my documentation. He made several calls and got the same poor results even though he agreed this was pretty bad business.

It feels as though the bank is trying to force me out of my house which doesn't make sense as it is over $100,000.00 upside down! I am a Furloughed state employee that if barely squeaking by and If my morals were poor, I would walk out. However, I believe that my wife and I took out a loan and I intend to pay it back. Not only that, but we love our home. A bank employee got me into this mess and I feel as though they need to fix my credit and put the money owed on to the back end of the loan as I was originally told. Thank you.

The neighborhood we moved from had grown increasingly violent. With gun shots being fired constantly, prostitutes walking up and down the street daily, as well as street fights at all times of the night and drug dealers selling drugs all day everyday. We have three children and we wanted a safe and better life for them. We found a home that we truly love and was able to move into it. Sadly, my husband lost his job a few months later.

We tried to continue making payments to our mortgage company which was Taylor, Bean & Whitaker at that time. We had no idea that our mortgage had been bought out to Bank Of America. We didn't find this out until we contacted Taylor, Bean & Whitaker to inquire about having our payment lowered only to find out that they were no longer in business. We were instructed to send our payments to Bank of America. We don't even know how long Bank of America had our mortgage because we had never received any mortgage statements from them. Well, I decided to contact Bank of America to see if there was any way our mortgage could be lowered because our finances had been cut drastically.

Well, after speaking with someone from Bank of America a few weeks later we received a mortgage statement to begin making payments to them. Well, I had already informed the representative of our unfortunate circumstance but we were told to borrow the money from family or friends or better yet sell our home. This was so hurtful because for one, we had just moved into our home that we love and had not even been there a year. And here we were being told to sell our home or borrow the money, which we had already done for a while until we just couldn't borrow anymore.

Well, needless to say, we continued to try and make our payments even sacrificing giving our van back to the dealership we bought it from and my other sacrifices just to try and keep our home. Back in February of this year, my husband, Michael, myself, a counselor from FHA housing counseling, an attorney for BOA, Trott & Trott P.C. and a representative from BOA had a meeting. We could no longer afford the payment so we applied for a modification, which at the meeting, we were approved for.

We were told that we didn't qualify for our mortgage to be lowered, which we didn't understand because my husband had lost his job so we thought we would qualify. I've been at my job for almost seven years and my husband is currently participating in the no worker left behind program, which allows him to go to college and learn a new trade that is being funded by the government, still receiving unemployment, while still actively seeking employment.

The job rate is very low in Michigan. Hardly no jobs here. Well anyway, we asked why we didn't qualify for a lower mortgage and we were told that we were already at 31% for some crap that we still don't understand because according to the Obama modification, we're qualified. Well, the rep. at BOA told us that we could start repaying the mortgage because at this point, we had stopped making payments.We could no longer afford the payment. We agreed because we wanted to keep our home. We were told that we would be receiving a package from BOA through FedEx in three to four weeks. Well, that time went past and we never received the packet.

I contacted our counselor from the FHA housing committee, Kathy *** (xxx) xxx-xxxx. I informed her that we hadn't received anything from BOA yet. She told me that she would contact them to find out the status of our paperwork. A few days later, she called us back and told us that BOA was behind in paperwork because of all of the modifications that was being done and to just be patient.

Okay, well, my husband decided to contact BOA himself about two weeks later. He was told by one of the reps. that because we never responded back with the paperwork (that we never received) that the case had been closed. My husband informed the rep. that we never received the paperwork. He then asked if the paperwork could be sent again. The rep. told him to fax all of our information that we had already sent to them previously again. My husband asked him why we had to send it again and he was told that because of the time lapsed in response, 30 days, this was the procedure.

Well, I faxed the paperwork from my job and received confirmation that it went through okay. My husband and I waited two weeks later and still no response so he decided to call BOA again while I decided to contact our housing counselor again, being told the same thing to just wait. We've spoken to several different people from BOA. No one ever seems to know what's going on. We've sent BOA everything that they've asked for and we keep getting the runaround. We don't know what else to do because we've sent our information to them five times through our housing counselor and BOA's attorneys, the mail and through fax from my job.

We've even contacted our own attorney at prepaid legal, Powers & Chapman P.C. Our attorney told us there was nothing they could do for us unless we receive any type of letter about a sheriffs sale of our home or a notice to accelerate foreclosure proceedings on our home then we are to contact them immediately.

Well, last week, Oct. 7, 2010, we received a letter from BOA's attorneys, Trott & Trott P.C. requesting the same paperwork that I had just previously given to BOA again! Not to mention I had taken the paperwork to our housing counselor and she emailed the documents to Trott & Trott P.C. Also in the mail was a letter from them stating intent to accelerate on the foreclosure of our home.

Of course, this scared the crap out of us because not only had we sent BOA everything that they had asked for every single time (5 times) but we cooperated with them fully even when every time we contacted them, no one knew what was going on. It's like there is no communication within the company and that's causing a lot of people to lose their homes unfortunately. We really don't understand with all of the complaints about the sames problems with BOA nothing seems to be done about it.

Thousands of families are losing their homes when they don't have to. Sometimes things happen to families that we have no control over. Like my husband as well as thousands of other people losing their job. We bought a home that we could afford at that time because of our income together. Later, unfortunately, my husband lost his job. All we're asking from BOA is to lower our payment that is affordable for us. In our situation, we really don't have anyone speaking up for us on our behalf.

I've written a letter to the Federal Trade Commission, The Better Business Bureau and The Attorney General. All of them are looking into all of the complaints and because there are so many about BOA they don't know when they'll get back with us. In the meantime, we don't know if we're going to have a home in a few months and right now all we're doing is hoping and praying to God that someone see our letters and come to our aide immediately as well as the other families that are in the same situation as we are.

We really don't understand how all of these banks got all of this money and are not being held accountable for how or where the money has gone to. If the money was supposed to be used to help homeowners stay in their home, why are there so many still losing their homes everyday? Why isn't President Obama or the Attorney General or better yet the FBI investigating all of these banks? It's so unfortunate that homeowners have no say over who buys their mortgage. It's like we're being physically, mentally and emotionally raped by BOA!

Please if there's anybody out there that could help us please contact us asap. Thank you for providing a website for us to voice our concerns as well as our complaints about a company we feel has been getting away with doing families wrong for way to long. Hopefully, a stop will be put to not just BOA but to every bank and company that is costing families not just their homes but their self respect and dignity as well. Maybe if they were put in the same situation as us, they would be more sympathetic and compassionate towards all of us.

I guess it takes a person to have a heart to care about other people. The love of money is the root to all evil. All of these people that are doing the bank's dirty work will find out in the end that what you do to others will be done to you in one form or another. God sees everything and believe me when you do wrong to people, it does come back on you. I've witnessed it myself.

BOA as well as these other banks don't have a conscience. When they do wrong to all of us but when bad things start happening to them they will think back on the wrong that they've done and all of these families that they cost them their homes. I just pray that justice will prevail soon for all of us that have been a victim. One day, we will be victorious and these banks will fall eventually. I know the God that I serve and He has never failed me.

My last email to you was on Sept. 30, 2010. Since then, I received a letter from Rodney ** from the office of the CEO and President. It was dated Sept. 24, 2010. It appears that Mr. ** attempted to summarize the my ordeal with Bank of America's loan modification program. I was just wondering why my complaint was answered by both Marcus ** and now Rodney **, both saying different things. Rodney also had some inaccuracies in his letter. In particular, he stated that I received missing documents letters on March 11, 2010, May 11, 2010, and June 2, 2010.

I never received any such letters and would ask that you reproduce them and send to me. Also, the other glaring error was that he stated that I did not receive a Notice to Accelerate. I have the copy of the Notice to Accelerate in my files, and would be happy to send you a copy. To add to the confusion, I was told to contact both Suzanne ** and Mary ** as my workout negotiators. I have now called Suzanne and Mary, and they did not returned my calls. Yesterday, I received a call from a Sarah **. requesting more documents. She stated she was from a Florida office. She is not the person that was mentioned in my recent letters from your office. Then I received a FedEx letter requesting more documents, which were totally different that what Sarah ** was requesting.

I have now faxed my sensitive tax documents to God know where, and California and Texas, and now I am to send them to Florida? Your code of ethics states that you will protect sensitive information, but I have never received any kind of acknowledgment that my faxes were received. Per your code of ethics, "Keeping your information secure is one of our most important responsibilities. We safeguard your Social Security Number and other personal and financial information. Plus, we give you many choices in how your information is shared and used." I haven't been given any choices on how my information is used and shared.

I believe Bank of America is deliberately trying to deceive and confuse its customers. No one should have to go through two years of this! I have been a good customer and have always paid my payments, but still you are reporting me late, when I have abide by your trial modification contract. Your bank was one of the culprits in this mortgage mess, by your secularization of the loans and attempts to sell credit default swaps to make even more profits. Profit rules over ethics with your bank. I was deceived and told that this modification would not hurt my credit score which was 750 when I started this ordeal.

Now you have told me 2 different representatives are my workout negotiators just in the last month alone. Then I receive a call yesterday from Sarah **. Who is she? So now I have 3 workout negotiators? I think your institution made out pretty well with the TARP funds. Your stock immediately went up and you reported record profits. You are really not trying to modify loans, but are acting in bad faith, with no intention of helping customers modify their loans. I never would have started this agonizing process if I had known what I was in for! You are trying to force people to give up and walk away. You are one of the culprits who caused this housing crisis, and now you are perpetuating it and ruining communities and neighborhoods, even foreclosing without the proper documents, all in the name of profits.

I have asked for two years just to have one representative to work with, and now I have three people saying different things. I want to keep my house and make my payments and do the right thing. I am 65 years old and starting a second career. Brian, why can't you do the right thing?

So I called and asked why I got that letter and a gentleman told me that it was normal to get those letters. I asked why haven't I received any paperwork to sign and he said that everything was okay. He said to continue my payments and resend in all my paperwork to update records. So I did, another three months the same thing. And another three months gain. This went on for a year.

So about one month ago, I called because of another letter of intent to foreclose and I was told I needed more paper work and I sent it in, And two weeks, I called again to find out what is going on and they told me I was denied for lack of paperwork. I was also told my home was up for short sale. I said I never put my home up for sale. They said, "Well, we have an offer for $150,000 and we are negotiating with a buyer."

I asked who put it up for sale and how did this happen. They said there are no notes on how or who put it up for sale but it is. Then I had to get it off of short sale and explained that I sent in every piece of paperwork they ever wanted. She told me it was entered in to the computer incorrectly and that she fixed it. She then told me in order to reapply for the hardship program, I would have to pay $4600 that was owed on the account.

I said I only owe that money because I have been waiting for a response on my hardship. I was only one month behind when I started paying the new a month. I got hit with $200 a month for a year, penalties, late fees and so on. They also said I was denied in June and that the letter is in the mail. Mind you, it is now October and I have never received one once of paperwork from Chase ever. I filed chapter 7 two weeks ago but not for my mortgage and now I in a different compartmental together. I don't know what to do. No one will help. When I asked for all my paperwork on this process, they just changed the subject. They will not help and don't want to.

I bought my property in 2004 and built my own home. Over the past 6 years I have never been late or defaulted on a mortgage payment. I also pay my bills on time. Obviously i have never declared bankruptcy. My mortgage is a jumbo at 535K. My home is appraised at $775K. I have 275K equity. In 2009, the economy crashed. I lost 70% of my investment funds that I had for a financial safety net. In the second half of 2009, my income dropped 45% to my base salary. I was very grateful to still have my job unlike many who became unemployed. Previously, my gross yearly income was between $92-100K (base salary 60K). I tried to refinance to lower my mortgage payment, but it was impossible to do so with one income that had been reduced by 45%. This was the sole reason I was unable to refinance, not because of any credit problem. I used what was left of my shattered investment funds to pay off credit cards and supplement my income.

It became apparent that although the economic effect of the market crash is improving, trickle down is slow and my income has not yet returned to prior levels. With back-up funds depleted, I applied for the Home Loan Modification Program through Bank of America in April 2010. I received an unsigned form letter about 1 month later stating I would be contacted within 30 days. That was in May. Thereafter, I received nothing unless I called an impossible 800 number. I then received the same unsigned form letter stating I would be contacted within 30 days.

This went on for 6 months, unsigned form letter after unsigned form letter. While waiting for a response from B of A, it became difficult making my mortgage payment. I called the bank and told them I would now have to try to access my 401K retirement fund, which is extremely difficult. I told them I would have to pretend a medical hardship to access any funds. I was told my file would be expedited. The 401K administrator told me it was egregious practice for any mortgage holder or bank to knowingly delay action that will cause a homeowner to early withdraw funds with penalties from a 401k retirement account. I also understand that it is unethical and a conflict of interest for B of A to withhold refinancing in this market.

I finally received a letter from the bank in September stating that I didn't qualify for home affordable, based on their inability to create "their definition" of an affordable payment equal to 30% of my income. B of A is using a percentage allowed for mortgage payment which is lower than other mortgage lenders that allow 35% mortgage to income ratio. B of A is moving in the wrong direction. Do they really think this is helping homeowners refinance, really? It's mathematically obvious that the bank doesn't make as much money on lower interest rates. I did not say they don't make any money. I said they don't make "as much" money. And that, is conflict of interest and blatant greed.

The fact that I have 250K equity in my home is normally viewed as a plus for refinancing, but not to B of A. In their view it's a plus for the bank (not the homeowner) to just send your file to "imminent foreclosure" which they stated in the last letter, or in the alternative to offer the option to "short sell" to them, as also mentioned in the last letter. And that, is coercion, conspiracy and theft.

Believe me, Band of America has no interest in helping. If they did, they would have been flexible with the mortgage ratio ratio and offered one of the innumerable lower rate terms available. But then, that would actually be helping, and B of A does not want to help homeowners, they want to help themselves, literally. Ant that, is gross negligence and fraud.

B of A is administering this program but has and continues to foreclose in record numbers. The modifications they have made proportionately is minimal at best. More like a token amount to stay under the radar and avoid scrutiny.As far as the length of time the process takes, the unsigned form letter states you will receive a response "within 30 days". That's just a big lie. It took me 7 months to get a negative still unsigned form letter, and I had to call constantly. I truly believe that if I had not called, I would have never heard from them.

I have visions of stacks and stacks of unopened mail in a huge warehouse and a couple of people sitting around smoking and shopping on the internet doing absolutely nothing, until they get a message that someone called in, and then they just send out another unsigned form letter. Does B of A really think that a homeowner who has lost their job and savings can actually wait 6 months to a year to get their mortgage modified? Is that really what they think? Really? Is that what Obama really thinks, really? And that, is misrepresentation, fraud, and gross negligence.

Face it, B of A never intended to help anyone! In the name of greed, they are using unconscionable, unethical, reprehensible and illegal banking practices to administer a program designed to help responsible homeowners keep their homes. Their idea of help is to send desperate, in some instances, homeowners, unsigned form letters.

Clearly, Bank of America's intention is if possible, to delay any action until homeowners are forced into foreclosure. For Band of America, it appears that the "relief" program is considered as a source of revenue. From the beginning, they have blatantly victimized homeowners in an obvious attempt to route as many as possible to foreclosure. I guess no one recalls BofA's self serving history. And what about the elephant in the room that no one notices, the conflict of interest with Bank of America being the mortgage lender? Unfortunately, BofA seriously lacks any ethical parameters, moral integrity and accountability with respect to administering this program. I understand a bank is not a person, but its administrators and officers are and they know what's going on - homeowners have become victims not only of the economy, but also of the bank. And that, is conspiracy with regard to all torts and malfeasance.

Please let me know if the above described is what President Obama had in mind in conceiving the Home Affordable Modification Program. Respectfully submitted

I bought my property in 2004 and built my own home. Over the past 6 years, I have never been late or defaulted on a mortgage payment. I also pay my bills on time. Obviously, I have never declared bankruptcy. My mortgage is a jumbo at 535K. My home is appraised at $775K. I have 275K equity. In 2009, the economy crashed. I lost 70% of my investment funds that I had for a financial safety net. In the second half of 2009, my income dropped 45% to my base salary. I was very grateful to still have my job unlike many who became unemployed.

Previously, my gross yearly income was between $92-100K (base salary 60K). I tried to refinance to lower my mortgage payment, but it was impossible to do so with one income that had been reduced by 45%. This was the sole reason I was unable to refinance, not because of any credit problem. I used what was left of my shattered investment funds to pay off credit cards and supplement my income.

It became apparent that although the economic effect of the market crash is improving, trickle down is slow and my income has not yet returned to prior levels. With back-up funds depleted, I applied for the Home Loan Modification Program through Bank of America in April 2010. I received an unsigned form letter about 1 month later stating I would be contacted within 30 days. That was in May. Thereafter I received nothing unless I called an impossible 800 number. I then received the same unsigned form letter stating I would be contacted within 30 days.

This went on for 6 months. Unsigned form letter after unsigned form letter. While waiting for a response from B of A, it became difficult making my mortgage payment. I called the bank and told them I would now have to try to access my 401K retirement fund, which is extremely difficult. I told them I would have to pretend a medical hardship to access any funds. I was told my file would be expedited. The 401K administrator told me it was egregious practice for any mortgage holder or bank to knowingly delay action that will cause a homeowner to early withdraw funds with penalties from a 401k retirement account. I also understand that it is unethical and a conflict of interest for B of A to withhold refinancing in this market.

I finally received a letter from the bank in September stating that I didn't qualify for home affordable, based on their inability to create "their definition" of an affordable payment equal to 30% of my income. B of A is using a percentage allowed for mortgage payment which is lower than other mortgage lenders that allow 35% mortgage to income ratio. B of A is moving in the wrong direction. Do they really think this is helping homeowners refinance, really? It's mathematically obvious that the bank doesn't make as much money on lower interest rates. I did not say they don't make any money. I said they don't make "as much" money. And that, is conflict of interest and blatant greed.

The fact that I have 250K equity in my home is normally viewed as a plus for refinancing, but not to B of A. In their view it's a plus for the bank (not the homeowner) to just send your file to "imminent foreclosure" which they stated in the last letter, or in the alternative to offer the option to "short sell" to them, as also mentioned in the last letter. And that is coercion, conspiracy and theft.

Believe me, Band of America has no interest in helping. If they did, they would have been flexible with the mortgage ratio ratio and offered one of the innumerable lower rate terms available. But then, that would actually be helping, and B of A does not want to help homeowners, they want to help themselves, literally. And that, is gross negligence and fraud.

B of A is administering this program but has and continues to foreclose in record numbers. The modifications they have made proportionately is minimal at best. More like a token amount to stay under the radar and avoid scrutiny.

As far as the length of time the process takes, the unsigned form letter states you will receive a response "within 30 days". That's just a big lie. It took me 7 months to get a negative still unsigned form letter, and I had to call constantly. I truly believe that if I had not called, I would have never heard from them. I have visions of stacks and stacks of unopened mail in a huge warehouse and a couple of people sitting around smoking and shopping on the internet doing absolutely nothing, until they get a message that someone called in, and then they just send out another unsigned form letter. Does B of A really think that a homeowner who has lost their job and savings can actually wait 6 months to a year to get their mortgage modified? Is that really what they think? Really? Is that what Obama really thinks.....really? And that, is misrepresentation, fraud, and gross negligence.

Face it, B of A never intended to help anyone! In the name of greed, they are using unconscionable, unethical, reprehensible and illegal banking practices to administer a program designed to help responsible homeowners keep their homes. Their idea of help is to send desperate, in some instances, homeowners, unsigned form letters.

Clearly, Bank of America's intention is if possible, to delay any action until homeowners are forced into foreclosure. For Band of America, it appears that the "relief" program is considered as a source of revenue. From the beginning, they have blatantly victimized homeowners in an obvious attempt to route as many as possible to foreclosure. I guess no one recalls BofA's self serving history. And what about the elephant in the room that no one notices, the conflict of interest with Bank of America being the mortgage lender? Unfortunately, BofA seriously lacks any ethical parameters, moral integrity and accountability with respect to administering this program.

I understand a bank is not a person, but its administrators and officers are and they know what's going on. Homeowners have become victims not only of the economy, but also of the bank. And that, is conspiracy with regard to all torts and malfeasance. Please let me know if the above described is what President Obama had in mind in conceiving the Home Affordable Modification Program. Respectfully submitted.

BOA finally sent me an application in March. I completed and sent back all requested info. After two months of not hearing from them, I called. I was informed that more info was needed. However, no one from BOA contacted me, nor did I receive anything in writing requesting the additional information. Again, I faxed the additional info.

In June 2010, I received two more applications. Once again, I completed those and sent them in. I spoke with BOA on 8/27/10 and was told my application went to the underwriter on 7/31/10 and I would hear something within 30-45 days. In the mean time, my insurance company cancelled my home owner's insurance. BOA contacted my insurance company and told them my home was vacant. This is not true. I am still living in the house. I had to jump through hoops to get the insurance reinstated. All three applications to BOA stated that the home was owner occupied. BOA did not inspect my home to see if it was vacant. I called BOA on 10/1/10 and was told the modification can take longer than 45 days. Does anyone there know what they are doing?

On July 2009, Bank of America gave us a reduced payment plan for six months and said that they would modify what was past due after the payment introductory period. On January 2010, we called to see about the loan modification and they said that they would send us a FedEx package in the mail regarding the loan modification and to keep making the reduced monthly payments. On February 2010, no package came. We called them and they told us to still keep making the reduced payments and to wait for the FedEx package for the loan to be modified.

On March 2010, same thing happened. On April 2010, we called again, but this time, we asked to speak to a supervisor. At that time, they said that because all of our pay stubs, hardship letter, etc. was too old, we had to start the process all over again. We did what they told us to do. If they would've just told us from the beginning that they couldn't help, we would've borrowed the $4K we were past due from our $401K and then tried to refinance our mortgage to lower our payments and to help our situation.

But now, after a year and a half of being ** around, our account is past due in excess of $16,000 and they have started foreclosure proceedings with a sale date of November 29th. Still, they have not let us know if they can modify the loan or not. We know that loan modification is not a guarantee but the way Bank of America has handled our account is just ridiculous. Please help us or tell President ** how Bank of America doesn't know what they're doing and how they're causing more problems than helping with this foreclosure crisis.

In March, I was put on the Trial Payment program, decreasing my payment by $800 per month. After going on the trial payments, I realized that my credit was getting destroyed. I spoke to a BOA representative that said, "Don't worry, once the modification is complete, we can go back and fix all credit problems caused by you being on a Trial Payment."

In May, I was contacted by an underwriter who was looking for one more piece of information and informed me that I was approved for the modification and should receive the paperwork in less than 30 days. In June, I started receiving intents to accelerate. I contacted the number listed on the acceleration notice. They stated it was okay and that they were not accelerating since we are going through the modification process. Each month, I got a certified letter with intent to accelerate and ignored them.

On August 3, I received a letter via FedEx which stated that within 30 days, I would be notified if I did or did not qualify for the modification. Thirty days came and went. And on October 5th, I received a letter stating that we were not approved because the Investment Group does not approve modifications--ten months to the day that this process took.

In the meantime, my credit is destroyed. I am over $6,000 behind in my mortgage, and at this point, I have no possible way to fix this. If I would have been told in May, I would have only been $2,000 behind and could have found a way to get out of this mess. I believe that BOA is using the excuse of "the investor doesn't do modifications to get caught up in the process because you are under scrutiny from the Federal Government."

I called Early May stated should receive them. Mid to late May fed ex package arrives. Very excited new workout keeping our home. Boom new financials. Called bank they said that mod was cancelled mid May and there is a better program. Spoke to a supervisor he knew nothing of an approved mod, he said (I have the paper). It was somewhere in the system I received the email and some told me it was cancelled.

Started process again Fed Ex pkg. sent to them, following this, a foreclosure sale date October 18, 2010. I have provided the bank everything they have asked. They have amazing stall tactics and the people you deal with down there (never the same person) have been trained in the stalling as well. I have been told since July that if I am in the mod process, they will postpone or extend my foreclosure. Call 14 days prior to sale. I called 10/4 and put in the request they said call back Thurs 10/8 or check recon trust trustee site. Called on the 6th to make sure the request had been put in and was told the underwriter denied it and said to call back 8 days prior. Which will be the 10th? (Stall tactic again)

How convenient Monday is a holiday. Wow they are not even following their own rules, they do what they want and you have absolutely no way to do anything about it. I honestly believe these people are taught to deny mods to people who truly need them and can get them according to the HAMP program. The banks or investors just do what they want so they can have more real-estate on their books. Let’s face it I have lived here for 11 years and they have made money. My home is worth $200,000.00 and I owe $142,000 maybe $162,000.00 because of missed payments, that per the Obama plan they can forgive and restructure my loan! This is a sick, sick world, and we the borrowers can do nothing! I also work with a Hud housing assistance program called Take Charge America.

They are supposed to be looking out for my best interest. Received a paper from them that the bank was requesting me to sign, that stated I will be responsible for all service fees that incur due to the Hud assistant program. Are you kidding me? It is free. How many people trust TCA and just sign the form and send it back and get charged a fee from the bank. This system is falling apart and these banks are not being held accountable. They are reaping the benefits from the government and stealing our homes.

Can you help? Do you know of a lawyer who can or any class actions suits going on? All I want to do is extend my auction date so I can short sale my home since they are going to deny my mod. This is a fact due to the information on how the system works and how they are changing what they have told me. Then I will completely be out of time. I have documentation of which I have spoke with and lately have been recording this. Please contact me through email.

Believing that it would be simpler applying to refinance my existing home mortgage through my current lender (Bank of America), I called the number advertised by the bank. I was contacted by phone, spent an hour answering their questions and was assured that I qualified for a refinance and a lower interest rate. While on the phone, my credit card number was asked for to cover an "Application Fee". Next, I received a three pound package of loan documents, which I studied, signed and sent back to the bank. Two days later, I received a call from another BoA specialist asking if I sent the package back and once again, assuring me that everything looked fine in terms of completing the loan.

Then I received a letter from BoA called a Notice of Conditional Approval and Loan Conditions demanding another half dozen documents and/or verifications, which would take me months of frustration to accumulate --if the said verifications are available to get at all. Since the bank's interest offer expires in two months, it's very unlikely that demanded documentation will be in their hands in time to complete the transaction, with BoA keeping the original $400 Application Fee.

On 20 August 2010, I spoke to a Tiffany. I stated to her that Bank of America was not working with the customers and that they prefer to foreclose on the homes. I informed her that they never sent me a modification package to fill out or requested any documentation form. She stated that she would send me the paperwork, which I received the week of 4 October 2010.

I called on 7 October 2010 to pay my monthly mortgage payment and I was informed by Karen that she could not accept the payment unless I pay the full amount owed to Bank of America because my foreclosure has began. I asked why didn't they request the paperwork or send me the modification package earlier and she stated that at that time, I was just on default and did not owe too much money. I asked why didn't they help me back then; instead, they waited for me to owe so much money. I feel that this a game that Bank of America has. They keep people lingering until they owe a lot money and then they foreclose on our home.

Lo and behold, I checked my account on October 5th, and I was over drawn and receiving overdraft charges left and right and they even returned one check without paying it. So, of course when I researched it, they had taken 2 mortgage payments from me! Then I proceeded to call them and spoke to the brainiac, Cesar **. He refused to give me his full name or his extension. When I asked him if I could talk to a supervisor, he wouldn't give me a straight answer.

He refused the first few times I asked him to transfer me to a supervisor. Then finally, after 40 minutes, and a 3-way call with Chase Bank, he said he would transfer me to the supervisor message line but that they wouldn't call me back. He told me it would take 30 to 45 days to get a check back to me from the 2nd payment they had taken out in error. Really?!

Does anyone out there have an extra house payment just laying around and can they wait almost 6 weeks for a bank to pay back your money? They are going to be getting some legal paperwork soon, for I have decided that corporations that blow off people when the Bank did them wrong need to be taught a lesson! I'm sure they will deny me my home modification papers now, but I guess it's for the best!

They are rude, stupid people and I hope I never have to deal with them again! I warn anyone who is planning on even opening an account with them. Don't do it! Somewhere along the line, you will get **.

Read the other complaints! Let's stick together and make these corporations pay for their incompetence in an already sad economical world. I hope they go down and out of business. I hope they file bankruptcy and someone tells them, hey we'll fix it in about a year or so...Payback !

It seems BOA is very unorganized and untrained. I would like to join a class action law suit concerning mismanagement and information by BOA's wrong doing. I was told by Betty (BOA) on 10/04/10 "You are under review therefore the foreclosure need to be postponed!" The foreclosure dept. stated "We do not see anything in your file stating you are on review for home loan modification! " I'm very tired and want to give up fighting BOA, but it's not the right thing to do.

Really? Well, I'm thinking that you must have been behind when I first applied, so why didn't you be honest with me and tell me then that it could take four to five months to get a loan? I'm afraid to go somewhere else because, I will lose the $450 loan fee they charged me and I have invested way too much time in this process. There should be some kind of law that prevents banks from doing this.

When I first spoke with Anthony **, the loan officer, he told me that they hold the interest rate for 30 to 90 days but that it should only take a little longer than 30 days. I began my loan application on 29 June 2010 and I still don't have a loan. Why would he tell me this if it isn't true? It seems to me, again, that they are breaking some kind of law, but not being a lawyer, I have no idea what that would be. I have been reading a lot of complaints about BofA's refinancing tactics on your page and I'm wondering, why are they still allowed to do what they are doing? Is there no way to stop this?

It's like they do this on purpose to make fees off unsuspecting individuals who believe that the loan process won't take so long and then give up after four months of waiting and lose the processing fee to the bank. If I could sue them, believe me, I would. Maybe all of the people who have complained should get together and file a class action suit. There is definitely something shady going on in the Home Refinancing division of Bank of America. I wish that a DA or an Attorney General would investigate into this.

Mid summer, we received a foreclosure notice. We contacted our rep and she told us not to worry that she was in constant contact with BOA and that the modification was still active and to ignore the notice. We did what she said. We even offered to pay some payments because the process was taking so long. They were refused. I was and still am working. However, during this process, my husband was laid off but he was still looking for a job. As soon as BOA saw that he was laid off, they rejected our modification and immediately put our house in foreclosure. We told them that we could catch up the payments so we could keep our house. But they refused to speak with us or work this out.

They were to send out papers for a loan modification which after a year I am still waiting on. A rep from the bank called to tell me about what I should send in but that was after I got the papers that my house was going up for sale on September 30. Now today, I got papers stating that my request for a modification was denied. It seems to me that paper work should have been sent out telling me what I needed to send them not over the phone, and why would they send me papers after the notice of a sale to tell me they were unable to provide me with a loan.

The reason they gave me for the increase in payments was the escrow my insurance was lower and my taxes, and I have an FHA loan. How can they call themselves Bank of America when all their doing is robbing the people of their American dream? When is someone in the government gonna have enough balls to step in and say, “Enough is enough, let my people go!”. They should change their name to Bank of Greed where is our bailout? I urge the American people to close out all accounts with BoA until they decide to help those who bail them out.

Fortunately East West Bank graciously accepted our last offer of $350,000 cash and we were able to stop the foreclosure proceedings and begin the process of getting our lives back on track Around the same time our bankruptcy finished running its course, and we begun building our credit back again, we contacted B of A and spoke with a representative and asked what we needed to do moving forward.

He advised that we mail all payment on time from here on out, which we did I asked about the past due, and he told us that we would need to talk with someone in the loan modification department and work out a solution to pay off rears (payments of the rears or payoff completely), so we followed his advice and have been making payments as requested. A few weeks ago we received a letter stating that all payments made were going to paying the rears? Needless to say we were shocked! After speaking with a representative who told us nothing of all payment going to the rears

We immediately called loan mod and attempted to clear this issue up. We got absolutely no where! I finally got hold of a supervisor and requested that B of A clear up any credit issues and apply payments from our bankruptcy on, to the current months, and I would send in a check for the entire amount of $35,606 to clear up the rears. She said that B of A does not have a policy set in place for this type of transaction and that there was nothing she could do!

Furthermore, she told me that the lack of payments shows on our credit all the way back 10 months because we did a reaffirmation? Both my wife and I were stunned to say the least! We immediately called our attorney to find out what this reaffirmation meant and why we were not told about it? Unfortunately he was out of town for a few days and unavailable. My wife was riddled with anxiety and lack of sleep during which time. When I did finally speak with him, he was flabbergasted that an employee from B of A would say such a stupid thing! He advised that we have never filed a reaffirmation on our residence and that I should phone her superiors immediately With that being said and the lack of cooperation on the part of Bank of America, we have now been advised by our attorney, if we are unable to get assistance from B of A, to file a chapter 13, so we will no longer be deemed in default.

Furthermore, we will only be responsible to pay Bank of America approximately $583 a month for the next 60 months to pay off the rears along with our current monthly payment, thus achieving our initial goal of building our credit with no late pays! Not to mention we will not have to start those rear payments for approximately 5 months? I was been advised to request that B of A reconsider our offer to completely payoff the rears upon credit being cleaned from any late pays and move forward. I would gladly put the $32,606 in a trust account with our attorney Richard ** of Heston & Heston to begin the process. After the pain that your employee has caused our family, I hope that the right decision is made. Please confirm receipt of this letter immediately, so I can handle immediately and no further time goes by.

The government thinking that they have to get these people's signature on a legal mortgage before they figure out they legally own their homes because of fraud investors. Bank of America, being the thieves they are, figured out they could make a lot of money instead of letting the government get it. This is known as their foreclosure mills. The banks that doesn't have a penny in these mortgages could get ownership and make all of the profits. Bank of America has the government over the barrel.

If the government came out in public making claims of what BOA is doing, the cat would be out of the bag. Since thousands of people are complaining, the judges not the government, put a cease on foreclosing until they could get all of the so-called mistakes figured out. Basically what this means is the government's fraud to the American people is being blackmailed by banks like Bank of America. In other words, I dare you to say something about how we are stealing these people's houses through foreclosure. Wake up, America!

Somewhere in their internal web of mishaps, the wire was only credited to the first mortgage, and not the second. Our clients are still receiving demand notices on property they no longer own. I have tried calling BOA for several months and have spent several hours being transferred from one department to another and no one seems to know what to do.

My question is that why isn't an audit of mortgage satisfactions done and files looked at, specifically when the bank held both mortgages, and both mortgages were approved for the short sale? My next letter is to the Chairman and the President of BOA, with copies to the Congressman serving our clients' district.

We asked Zellner to investigate, to no avail. BOA used the additional funds they spent to deplete our equity and raise the monthly payment. I run a small business and got busy the following Spring. I knew I have an allotment going to pay for the house and have never been late since 1989. BOA has now tacked on numerous fees and holds the payments that were sent so that they are not applied until the full amount arrives the next month. They now calculate that my house is behind 3 months. These are "dirty numbers". I need legal advice as to my rights and legal options. My financial situation is dire and must fight any way I can. Please help and advise.

I called loan officers supervisor and left messages. No one, I mean, no one has returned my calls. Next, I called on August 31, 2009 at 8:50 pm, in reference to a make home affordable plan. I was told to call the next day because I was current on my mortgage and on Sept 1, a new payment would be due. I called back Sept 1, 2009 and spoke to a gentleman by the name of Jeff. I explained that I called the day before and was told to call the next day. Well, I was told that I needed to fax documents such as my pay stubs, bank statements and some other documents that I faxed on Sept 4,2009. I had not heard from anyone from BofA.

So on Sept 14, 2009, I called, was transferred twice, then was told I qualify for make home affordable program; I would receive paper work in 30-45 days. 8 months later and still nothing. I called several times more, being transferred from customer service to home retention dept on the phone for over 72 minutes. Finally I went through NACA and was given 3 months forbearance. I was told when I make the 2nd forbearance payment in July 2010 to resend my paper work via fax. This was done. I get my loan modification documents the end of July.

Okay, I get the documents signed, notarized,and sent back. Now, a week later after documents were sent back they state incorrect or incomplete notary. So on August 23, 2010 I call BofA at 1800-669-6650 which is the phone number on the letter I received dated August 17. I spoke with Tanya who then transferred me to advocacy at 877-327-9225. I spoke to Krystal who then told me I had to call 877-327-9225. I got disconnected, called and then was told I had to be transferred to 866-422-5871. I spoke to Randy, then was told I had to be transferred to the Hope team at 877-200-5642. I spoke to Adrian who then stated I had to be transferred back to the first number on the letter I got transferred back to the Hope team, spoke to Demourn,. Finally, I get the Hope team and was told I will receive the new notarized documents in 7-10 business days.

After 10 business day passed, I call on 9/13/2010 and still did not get the notary documents. I spoke to Patrice who then stated if I don't get the documents to call back on 9/20/2010. I still did not get the documents on 9/20/2010. I call the Hope team, spoke to Harry; he transfers me to customer service and I speak to James. James calls the Hope team, states Ericka is sending documents. She is from the home team. If I don't receive the documents by 9/28/2010, I am to call. Of course, I didn't get the documents so I call and speak to Tineka. She puts me on hold and says I have to appeal. I said. "Appeal what? And how do I go about this?" She puts me on hold again, then blind transfers the calI. I then ask whom am I speaking to and the rep states his name is Darion from home retention dept.

He tells me I'm 4 months behind in my mortgage. I advised him that I pay my mortgage every month. He says he is sending an email to his manager and to the person who is reviewing my loan modification. He also stated my forbearance was until Oct; I advised him no my forbearance was for 3 months. My last forbearance payment was on August 1, 2010. I advised him when I received the loan modification approval I had to send a payment in the amount of $1006.34 which I sent and paid my Sept 2010 payment.

It is now Oct 3, 2010 and I still have not received the notary portion of the loan modification documents. It is never ending with these people; the modification was approved and because the notary at my bank printed my name where she should have printed her name, I still don't have this loan modification done since Sept of 2009. I'm thinking about going to the media on Bank of America. It makes no sense that people who are struggling and looking to get help have to deal with this type of treatment,and I pay my mortgage every month!

I had already faxed them the same requested documents, which they are now requesting again, on August 17, 2010, and again on September 10, 2010. Since they had requested the particular documents from me in August 2010, I was duped into believing that the home loan modification application process was already well underway. Now, Bank of America has me starting all over again on the home loan modification application process. They are continuing with their foreclosure process despite my applying for the home loan modification.

My complaint is that I see it as being not only a bad business practice, but it should be illegal to continue to foreclose on a loan when the borrower is going through a process that is specifically designed to save their home from being foreclosed upon. I feel that one resolution to this complaint should be a suit filed against Bank of America Home Loans for engaging in a business practice that is severely detrimental to distressed borrowers in that it either involves gross negligence or malicious intent on the part of Bank of America. Another resolution I seek is for Bank of America Home Loans to cease and desist the continuance of the foreclosure process while a person is in the process of a home loan modification which is designed for the borrower to keep his or her home.

As a home owner since 1978, I have never heard of an institution requiring six months of reserve on hand to approve a loan. I do not believe that the stipulation of requiring a six month reserve in a case where credit scores exceed 800, VA secured, with stable income is ethical business practice. The approval would have saved us over $500 monthly at today's rates. Basically, we met all that was asked, the property value exceeded what was required and yet we cannot close on the loan. Of course, the numbers work in the favor of Bank of America in a marketing aspect.

We put all of our many years of savings into building this home, and then filed a hardship and took our 401K retirement monies to pay you, so we wouldn't lose our home, everything we had, and you have no regard for us at all! Your managers and reps will not return calls and e-mails. How dare you do these kinds of things to the people whose money bailed you out!

I pray the government will wake up, fine you, and then shut you down. You have no idea that we have been suicidal over this. How do you all sleep at night? People, put your money under your mattress! It would be safer than banking with these people.

Okay, well after my hysterectomy, the surgeon nicked my bladder which I then had to have another major operation within one week. I was out of work for 2 months now. I became two months delinquent on my mortgage. In the meantime, Countrywide was bought by Bank of America. I contacted a loan modification team (attorneys) that said they would work with the bank to get a loan modification for me. I was told I didn't have to pay my mortgage since I was in a modification review.

After every month, supplying paperwork for income, hardship paperwork and utility bills to prove I was still living in the house, I became 16 months behind on my mortgage. I paid them $1,500.00 to accomplish this feat. This took a very long time, (over one year) always getting the same answer "in review". Finally, I received a letter from the attorneys that the bank had given me a loan modification that my first payment would be June 2010. In June 2008, I was laid off my job and still have yet to find another. I'm 62 years of age, a widow and struggling every day with BOA.

I paid $2,700 to begin the process of the loan modification and then my payment would be $2,300 after that. I paid as requested. Then, I get a letter from BOA stating that my mortgage was in Intent to Accelerate. After receiving the Loan Modification documents, they said I didn't have it. Then they want all the income documentation, which I send almost each month. They say they don't receive it, I have sent the paperwork through FedEx, saying who and what time it was received. I call numerous times only to get the same answer from customer service. I cannot talk to a supervisor, but they will send an "email" for someone to contact me. No one contacts me.

I receive letters from loan negotiators, then when I call, I am told I was assigned to an Andrew **, who I have never spoken to. I called to speak to his supervisor, Ms. **, left voice mails for both, still not one has returned my calls. I spoke to a Miss ** who told me they did away with my modification because they could not reach me. Not true. They can reach me by mail and by phone, so she put in an "appeal" on August 30, 2010 and said I would have an answer in 7-10 days. It is now over 30 days, still no calls or answers. I have called every week only to get the same runaround from customer service. Do they really send emails? do these people really exist?

My "Intent to Accelerate" expires on October 2, 2010, and I still don't know if I will be able to keep my home. I have complied with all of BOA's requests, but they are less than cooperative with me. All I have gotten is the runaround with them. They say they will send emails to Team Leaders, to supervisors, to Mr. ** and absolutely no one returns phone calls. I have spoken to numerous people at customer service but only receive first names and of course, they cannot help me but to send emails to have someone contact me, and they can "sympathize" with my situation. Right!

I advise anyone that has any dealings with BOA to get away as fast as possible. It's no wonder people commit suicide with the way they are treated by banks and not knowing whether or not they will have a home to live in. Only because of the inconsiderate, unprofessional and very disorganized company Bank of America is in dealing with their customers. I have sent emails to President Obama as well, but guess what - no answer from him either. Bank of America needs to be investigated for their business practices and class actions suits should be in process as soon as possible. With all the complaints I have read on this website, Bank of America should be closed down and all the bailout monies they received given to the people they are ripping off.

This happened in November of last year also. I was given a new payment of 1600 close to $500 savings a month, fell through. This time it was for a higher rate and was 1800.00. They are crooks who have no intention to do a refi. They are just taking tax payers money and scamming innocent people who just want to keep their house.

They also lock people into loans where they cannot refinance with other companies (better), by filing false statements on credit reports called "lates", which mean your delinquent for more than 30 plus days. We have never been 30 plus and have only been late, due to them losing our payments, so they can't apply late fees to our account. This is an evil enterprise on our home soil stealing our money. I mailed a payment, and they lost it conveniently. I had to pay through other method and guess what, they charge you a fee for it. I called to talk to a customer service rep, and you can't even understand their English, and they never stick to specific numbers regarding amounts due, it will change 5 times on the phone.

Economic damage is that Americans have less money to pour into our damaged economy, due to their thieving tactics. Bank of America needs to be stopped.

They said, we were approved for modification and to expect the paper by FedEx. Well, when I called in August, they said the modification was cancelled because we did not return the papers they sent by FedEx. Told them, I did not receive any papers but they said their records show it was delivered. After that call, I received our escrow print out and since we haven't paid our mortgage in months our escrow was short, so our mortgage went up to $2000.00 a month. I asked to apply for modification and said we were unemployed and they stated they don't have any programs for unemployed homeowners.

They recommended that I rent part of the house out which I did because if I had more income besides our unemployment we would qualify. Well, since our mortgage went up they said our income and the rent doesn't qualify because of income to debt ratio. So, we would have qualified if the mortgage payment hadn't gone up. I seems to me that they stalled me til the mortgage payment went up so I wouldn't qualify. So now, we're just waiting for them to come and change locks again. Is there anything we can do at this time?

Having little advanced notice from them, we paid our September payment over the phone so it would not be credited as late. Two weeks later, we received a call from a BOA representative who was informing us that our loan was past due because of the August payment. We explained to them that TBW had taken our payment out. We spoke to a supervisor and we were instructed to fax proof over to them that the payment had been made and they would take it from there.

We printed the bank statement and sent it to them. Then, we got a call every month. They would tell us that we were behind and we would ask them to refer to the note on our account saying that the funds were coming from TBW. They would acknowledge the note and still call three times a month. One representative even told me that if they "didn't get the money from TBW, then they would be coming after us for it." We spoke to a supervisor right after this call and they assured us that wasn't the case.

Fast forward to now, September of 2010, we have been called three times a month for a year. They are now claiming that they never received proof that we paid and now have placed a phenomenal late charge on the account. Our account with the bank that is now closed so we will have to pay to get more proof. That is neither here nor there at this point. We send proof but they "never get it," and the more research we do, the more we see that they are doing this to a lot of the customers they acquired from the Feds shutting down TBW.

I believe that BOA is trying to get an extra payment from us because they can't get it from TBW. Our account with them is completely current as it was with TBW. I feel as though there is no place to go to deal with this and I am not going to be intimidated to cough up another $1,458 + the late fee. I also don't want this to go on our credit report, which they are now threatening, and they are constantly sending us correspondence from their Home Retention (Foreclosure) Department.

Finally, January of 2010, I was back to work, but my husband was not. All of a sudden they said, I qualified for a trial period of lower payments (only a little over $100 savings). Seriously? I had to fax over multiples forms such as proof of income, hardship letter, etc. Funny thing is that when I was giving income information over the phone to a CSR, they asked me how much I had in savings. I said about $300 for Christmas. When we were finished with the conversation, he said "We will mail you out a package to fill out and it will cost you $300 that you can get from your saving." I laughed at him and said "Did I say $300? I meant zero." So for about 3 months, I sent it what I could each week.

I am able to make my payments now but I am not able to catch us up to current. I received calls asking when I would be catching up our payments all the time. But you better believe that when I tried to call them to see if they received my info, and asking if anything was out there to help us. I literally stayed on the phone for 35 to 45 minutes trying to get the "right department".

I received a voice mail one day asking me to call. So, I did and after going thru 3 people, I was finally informed that we would need to send over another hardship letter, 2 years tax returns, 3 months bank statements, 3 months proof of income and a debt analysis. I faxed this huge packet to them. I received a letter today stating exactly this, "We must deny your request for the following reasons: the workout assistance you have requested is not an option". That is amazing. If I remember correctly, I was asked to send this over for review and that the person appointed to my case would contact me. I had no clue which assistance I was applying for. Any of them would be nice but for them to tell me the one I requested was not an option, that is such a ridiculous excuse.

I have had nothing but absolute disgust for this company! When hard working people like us get into financial hardships. Where is our bailout? Where or who do we turn to? And the bad thing about it is that they know that individually, we can't do anything about it. I would never suggest that anyone use Bank of America.

In late June, I got a letter from our sheriff's department stating that I had to appear before the local judge. I had all my paper work from the consultant, emails, and bank information when I appeared at the judge's courtroom. I strongly believe that since the judge's wife and I don't like each other, he sided with the bank. He can deny this allegation but I knew that I didn't stand a chance with him when I was told that I had to appear before him. We weren't even in the court room 5 mins. when he sided with BOA. His words were that neither I or the consultant had done anything to remedy the situation. I told him that we were in the process of taking care of this since the bank had requested some further paperwork but it just wasn't done in time.

He walked out of the courtroom without even looking at any of the paperwork I had put together to show him that I was trying to salvage my home and not lose it. I talked to the consultant and she said that I should ask for extended time so that my kids and I could have a few more days to get out of the house. I stated that I didn't want to leave my house so from then on, I talked to a local lawyer for advice and told him about the consultant that I had hired. After hearing what I told him, he said that she had taken me for my money and hated people who did that.

In July, I had to leave my house due to an eviction notice. Since then, I reported this consultant's business to the BBB and will keep the complaint until I get my money back. BOA was working with me on my foreclosure deal but at the end they still took the house without the paperwork and solution ever being completed. They stated that there might of been a lack of communication since one thing was stated to the consultant and the paperwork was still being processed. I still lost my house without getting a straight answer to all this mix up, hiring the wrong consultant, and having a judge that I knew I didn't stand a chance with, hear my case against BOA.

July 21, 2010, I received a letter saying that our loan is not eligible for the Home Affordable Modification Program, however BAC loan servicing has approved you to enter into a Trial Period Plan as part of different loan modification program. The letter said we need to accept their offer with the new monthly trial period payments instead of our normal monthly mortgage payment. 1st payment: $2,152.64 for the month of September, October and November. I called Shanna again to explain to me how do they get this figure. I did not get a good answer. When I'm talking to her, the telephone line started fading/static then gone. I call her again but no answer. I make appointment to Neighborhood Housing services Mr. Lewis ***.

He called BOA and asked why our monthly mortgage went up. The BOA rep. said that the private investor doesn't want to participate in any government housing program. Still Mr. *** not satisfied with the answer when he asked how did they get the new monthly payment. We tried to ask assistance from BOA Customer Assistance Center in Dedham, MA. Ms. Sara *** checked our loan status in the system and she read the letter regarding the new payment. She said, "This is not right." She's trying to figure out how do they get the figure in the new trial period payment. She told us that she will send email to Shanna.

We waited for BOA to call us. I called Shanna again and left message to call me back, but no reply. I always call BOA office but no answer. We seek help to our State Representative Stephen Lynch, called his office and Mr. Joe *** reply to my call and send email to him and faxed the papers he requested. Then I received a call from Antonio tel. xxx-xxx-xxxx. He said he is from the office of the president of BOA. I told him that if he can help us to approve for fixed low monthly payment, he said, "I will look to it and I will assign a new negotiator for your request." Promised that he will call me back. Three days past, no call from Antonio, so I called him and said that he can't do anything to our request. I told him that I thought you said that you will assign new negotiator for our request. He gave the name Susan ***. I called her everyday but no reply. On her answering machine, she said that she will call me back. Two weeks past no call from Susan ***.

I called Antonio again and he said she told Susan *** to call me back. But no reply from Susan ***. I called Antonio last week and left message, but no reply. I call the BOA Home Retention division to let them know that I will be late in paying my mortgage. With this new trial monthly payment, I will not be able to pay my credit cards. I consolidated my credit card account with Money management International. I requested not to withdraw/take payment from my checking. We want to keep our house. Hard times affected my family, my husband's father died and he's still paying the hospital bills in Philippines. My husband had a gall bladder surgery last February and last month my father had a triple bypass heart operation and we still helping our family back home. We don't know who can help us. That's why I'm sending my complaint to Consumer Affairs. My friend told me to seek help from Consumer Affairs.

Finally in June, I spoke with a gentleman from one of the departments told me that the escrow account was a mistake and not to pay it. I have his name etc. I continued to make the mortgage payment but not the escrow account.

I have faxed them several times explaining all of this and requesting status of my modification. I was finally contacted by a person who claimed to be a customer advocate and who told me not to send in any other documents, they have what they need, and that it will take 30 days to be reviewed, from approximately July of 2010. She gave me a direct extension to keep in touch with her; I thought I finally was going to get some resolution. I paid my mortgage principal and interest as usual on time in August, and did not get a statement for Sept. The website indicates that I continued to owe the full amount. I demanded a statement. I just got one today with a late fee. I was told by someone yesterday that they do not differentiate between the escrow account and the payment of the original loan amount, that the added on escrow is now considered the mortgage payment.

So, basically what it comes down to, is that after requesting a hardship reduction, after 11 months I now have a mortgage increase and still no response. When I tried the number of my "advocate", I was told they had no record of such person. I believe this pattern of behavior is not only unethical, I would be hard pressed to believe it is not illegal. Yet I feel no one cares nor is there any oversight regarding these banks despite the bailout money they have received. I am concerned that they are making a concerted effort to force defaults. They are certainly pushing it with me as I have only for the first time been sent a late charge.

Would like to know if there is something that can be done about this before they take further steps to own my property, which is what I believe they (or their investor) is really seeking to do. I was told that if I withdraw my application that they would remove the escrow account but I simply don't believe them. I have no reason to and every reason not to.

I had a small mortgage due to an addition/garage that we had put on 5 years ago. I also had an equity line of credit that I did use to pay off my car and had $50,000 in the bank. He told me what we needed and I had everything for him in a very timely manner. We also have excellent credit and great income. He pre-approved us for 2 properties. My main residence and for a home to buy in Florida. Being this was such a big decision, I was in contact almost daily with Brian **** and he assured me that we had everything all set and should find a home in Florida. He gave me my pre-approval for the Florida home and off I went. I found a home and made an offer and all was set.

I had to have an appraisal on my primary home and also on the Florida home along with an inspection. After dealing with the appraisal process and going back and forth, we agreed to a $393,000 appraisal on the Fairhaven home of which I could take out 70% which would combine with my cash on hand to give me 20% down on Florida. I was told now that we were going to have Florida as our main residence. I needed to immediately lease my home, deposit the security in a secured bank account and transfer my job. All of this time, Brian at BOA was assuring me all was well. My transfer was effective July 5. I work for federal government. I was taking July off with pay to move, etcetera.

Well, all of a sudden, BOA only after I had leased the house transferred my job and said we could not qualify for both loans. I was so upset. I had transferred, leased my home and the new tenants needed to be in. I spoke to the mortgage underwriter Richard **** and he was asking me personal questions like, “You have such a beautiful home in Fairhaven, why in the world would you leave it?” He also said that I should find a house $100,000 less than the approval I received from Brian ****. Mind you, I am now under the gun to do something, as I had to go for my job and tenants needed to move in as they had given me 2 months rent and a $2000.00 security deposit which was required by Brian **** at BOA. I was told by Richard **** that Fairhaven was ready to close anyway. I waited 2 weeks because my disabled husband and I had no place to go. I decided to finalize the Fairhaven mortgage and now they have reduced the amount by $25,000 and we still have not closed and they are dragging their feet.

They cannot give us any reason for reduced amount as we are entitled to 70%. How they can pre-approve me for 2 mortgages and now are giving me a hard way to go about one simple refinance. I have lost 25 lbs, was forced out of my home of 34 years, and am living with my son in Florida. My disabled husband is living in New Hampshire because there is no room for him here as we have American Bulldogs and my son also has 2 small dogs. This process is now in the 4th month. Please help me.

Consequences are, my husband and I are homeless and living in separate states. I paid for 2 appraisals and a home inspection. I was out of work the month of August with no pay. I would never have leased out my home or moved had I not been misled by BOA. My husband and I are on the verge of divorce because of the stress and tension that this has caused. I have strangers living in my home. I have lived and raised my children in that home and because of BOA, I am living with my son, his wife and newborn twins. I cannot afford to rent or buy now as BOA is dragging their feet as to getting anything done. We were told by BOA Brian to take money out of our IRA and my federal savings plan which we did. I don't know who to turn to but this is so wrong in so many ways.

With the bank not being willing to talk to me about the loans and not sending statements out on time, the payments have been made late. As of right now, I am still waiting for the September statements on two of the houses. I get nothing but arguments when I call to talk to anyone for any reason at Bank of America. I really cannot believe that they are allowed to stay in operation. I know that I have to call them again to find out what happened to the states for September and I am just dreading it because I have already been told by them that I should know that the payments have to be made. So, there is no reason why I should not make the payments just because they do not send me a statement.

I am so stressed. Each time I expressed my concerns, representatives tell me that I do not have the right department so the call is transferred between FHA loan specialist to Home Retention department, to Default Prevention. This tennis match has been going on since August 30. This evening is September 8, I am currently on the phone for now over one hour, these are the representatives name/id number who have been transferring me from again FHA Specialist, Home Retention, Eminent Default, Home Retention: Sabrina who states she is in Collection, she transferred me to FHA specialists, Chad , George, Marie. Time on the phone is 1 hour 20 minutes. I am still holding for an FHA specialist.

This is the worst customer service ever. I've had a mortgage for over 11 years and never experienced this type of customer service. I did not choose Bank of America. My loan was sold to them. I need help! Because of their poor service, I am still awaiting to see what type of assistance and/or payment options I have. It seems as if they want you to fall behind.

I called every week to check and see that they have received all the paperwork needed to get the loan modification processed. I was assured from Mar. through July 6th that BOA had received all the necessary paperwork, the file was complete and under review and I should hear from them in the short run. Meanwhile, I was advised to continue making the modified mortgage payment which I continued to do.

July 22nd, 2010, I received a letter from BOA stating that my loan modification has been denied due to lack of paperwork required, while they had assured me that they have everything they needed. I filed an appeal 3 times to review the case and they denied the appeals. Once because they said the paper work was not complete, while they assured me they had everything they needed. Once again, I called for another appeal and now they came up with a different excuse that the first payment was not made on time even though in their notes and records, they said that they had received the first trial payment and the file is in order. They claim that they are very strict about that since it is a government program.

They assured me as late as Sept. 3rd 2010, that my file is being reviewed for other possible in-house modification. Sept. 3rd, I received a letter from BOA with an "Intention to Foreclose". I hurried and called them and they informed me that there is nothing they can do for me. If I do not pay the past due by Sept. 26th, they will proceed with foreclosure. Bank of America Home Loans are nothing more than scam artist and a rip off.

Every where I went to refinance my loan, they kept turning me down. I tried for about two years to get out of that loan. I finally got out of that loan, and got a loan with Bank of America. I ended up with first and second mortgage, and ended up owing a lot more that what I paid for my house. I been trying to do loan modification with Bank of America through a company that just ripped me off with $3000. Bank of America did not want to work with me, so I got a lawyer and I had to pay them $2700 also up front. The lawyer said not to pay on my second mortgage. They will try to get rid of that, and they have done nothing for me. Bank of America just kept dragging it out.

I went through the trial phase, until they said that it expired, and that I have to do it all over. I had to give them new paper work all over again. Now they said that they can't help me, and they are forcing me to do a short sale on the house or the next step is foreclosure.

On 8/10/2010 I talked with McKenzie Hope Team, was transferred to Jancia with Home Retention, was disconnected and called back. Curry Per Curry an underwriter was assigned just today 8-10-2010.

She states the process is the following: 1. Underwriter, 2. Quality Control 3. Disposition. If it goes through, the new payment will not be more than 31% of monthly gross income. There will be 3 monthly trial payments, then permanent modification papers. She states, "Do not stop trial payments until receipt of permanent modification papers." She checked and said I could make an interest only payment for the month of August for $719.42 and gave the new number for updates.

On 8/17/2010, after being put on perpetual hold then disconnected, I spoke with Melissa who asked if I wanted to make the payment owed, the difference between the full payment & the interest that was received. I explained my conversation with Curry, that I was not supposed to make anything but the interest payment of $719.42 for the month of August and I was simply calling to check the status of our modification process. She states an underwriter was assigned on July 1st, 2010. I told Melissa that I was frustrated and felt like I was getting the run-a-round because I had now been told we had been assigned an underwriter on 3 different dates for 3 different dates.

On 8-17-2010 Jerri/Melissa transferred me to Jerri in Payment research re:payment issue. Jerri said the interest payment had been posted as a partial payment with a late fee. She said she could post this to the account appropriately, remove the late fee, and reduce our payment to $972.97 and that this would help us and not impact the modification process, she promised me. I stated I didn't know much about this and had to trust her. She gave a direct line to call for updates.

On8/24/2010 I was put on hold then disconnected, Crystal says it went to underwriting, and is still in underwriting; is going to have account escalated, generally have movement by now. They should have a new update next time I call. She states it still shows it is in underwriting and has been there for some time.

On 8/31/2010, I was ut on hold then disconnected several times. I got Dwayne who says that currently, they haven't been placed it in work up status, it's still being reviewed. I told Dwayne I felt like we were getting the run-around and nothing is being done and that I would like to a make a request for short sale. He stated he was escalating call and situation. Escalation was made, and they will issue paper work research. It shows that the paper work has been received. He will do special care, talking with supervisor, that he is there to help try to save our home. I was put on hold several times during the conversation. Again, I asked for short sale paperwork and he stated he would give me the number for the short sale. The number for the short sale is no longer a working number.

On 9/7/2010, I got Marcella and got transferred to Imminent default as I had requested an update on status of Mortgage modification process. She said there was no new information, still under review. I said it's the same old run-around as every week then, I would like to request short sale paper work, because it is obvious they are not doing anything to help us. After 15 min hold time, I was disconnected and I called the number Marcella gave me and it says number is no longer in service call. Per Keisha, we were assigned underwriter July 1st when it went into review and I told her we were at a point where we were going to request a short sale. Keisha transferred me to imminent default again.

After holding for 22 minutes, I was transferred to a busy signal. The call was disconnected and I called the number for short sale and it is no longer a working number told. I talked to Jennifer who said there was no info to send, yet read from a script and when I asked if I can have this, she told me to go to the website.

When you go to the website, it says the website is currently unavailable. I called back and spoke to Amanda who told me to go to the regular website (Bank of America) and search which I did. Let's begin to look for a needle in a haystack game today! Let me say that everyone has been polite, and even friendly but I am told something different all the time, I even expressed my frustration at this little game that seems to be played week after week, wondering if this is all a silly joke or a scam and they usually just chuckle or laugh. I'm glad they can laugh about me losing my home. I have looked for a 3rd party advocate that can help with this, if anyone knows of such I'd love to know.

At that same time, Kim also took the liberty of applying us for an "in-house" modification through BA. We were denied for the in-house program on September 1. When we called in response to the denial and spoke to Vanessa (**). She told us that our home is set for "expedited foreclosure" on Oct. 22. We explained that we have never missed a payment ever and it didn't make sense that they would start the foreclosure process! Vanessa said it didn't matter. Because we were denied for the "in-house" modification, we owe $5000 which is the difference between the modified payments and the original loan payment.

We then explained that we were still waiting for the original modification results - that we had been denied but successfully appealed. Vanessa said she didn't know that we were enrolled or waiting for any modification loan and that such paperwork had been sent to us back in August and that her department had made several phone calls in the month of August but was unable to get in touch with us. We neither receive any paperwork nor did we receive any phone calls. We have always been proactive - so Vanessa's story doesn't make sense.

We tried to get in touch with Kim ** to confirm the appeal once again and request it in writing. Unfortunately, we were told by BA that it was impossible to track down a representative. We filed a complaint over the phone with BA on September 1 and have not heard back.

We submitted the same documents on three different occasions, either because they lost them or couldn't locate them. We were set up on a trial payment but still received foreclosure notices every month and spending countless hours on the phone with them being run from one department to another, every time resulting in us sending them more money and us still receiving foreclosure notices. This has gone on now for over a year and a half and savings are gone and not one person at BOA can tell us where we are with our loan modification. Well, today we got our answer. Bank of America foreclosed on our home! The one saving grace in all of this is we don't have to jack with Bank of America anymore!

BOA is the worst, most sexist company I have ever dealt with. Any employee who works there is getting paid with blood money off the backs of truly hard-working Americans and those employees should be ashamed of themselves. Lucky for me, I've documented every phone call, date and time in the last year. Lucky for me, I have a dear friend who is loaning me the money to bring my loan current because paying the modified amount destroyed my credit and left me in arrears. I will bring my loan current, refinance elsewhere, and tell BOA and everyone I know what bunch of lying thieves and elitist ** everyone at BOA is. Given the chance to meet the ** who admits running the company, I would gladly tell my 7-year-old to use the new word she just learned on the playground. People should sue them simply because they give America a bad name. Bank of ** Americans so my kids can give and own Hummers is a better name. Look at the foreclosures in this country.

When we inquired about this change, we were told it was due to an ARM change and the expiration of interest only payments. I told them that her income from SS was just over $1160 now, what about the 31% of income rule? What about the promise that once modified, the payment would not change? They had no answer, just that the $843 is her new payment. They also said she cannot apply for another modification as she was already given one. Yes, but they changed the terms! Now the house is going into foreclosure. It is worth about 100k or less, the loan is $160. She has nowhere to go. We have tried, but she can't live with me due to breathing problems in the high altitude where I live. I am student so I cannot assist her financially.

My mom is crying all the time, stressed out about herself and her beloved pets being on the street. Time is running out and I'm so worried about what this is doing to her. She has been taken to the hospital three times now due to her heart beating too fast and passing out. I'm scared that my mom's health is deteriorating over this.

This modification, even if someone is approved, is false hope. I think the bank just collects the modification money from the government, pretends to assist some customers, then does a foreclosure and collects the full loan amount anyway because the loans (if Freddie or Fannie backed) are insured, so Bank of America gets their money on both ends. Then, the investors (probably most linked to the bank) buy up cheap properties and make more money.

This financial crisis is going to get much worse over time in America as more of those put in the modification plans are suddenly kicked out of it with terms change. As for my mom, she's another homeless person. Her pets? Who knows what will happen to them?

I took the responsible action and sent my credit card the amount that my mortgage payment would have been. Then, on 9/2/10, BOA withdrew my mortgage payment for September on a note that was closed out on 8/30/10.On 8/31/10, I removed my checking account information, and auto-payment via BOA's online services (note: you must speak with an agent to transact this "officially". Doing so online, does absolutely nothing, even though it allows you to do so and doesn't tell you to contact an agent). Additionally, I spoke with an agent on 9/2/10 to ensure that the auto-payment had been removed since the mortgage is no longer open, and was told that it would fund "tonight", and couldn't be stopped at that point.

So, BOA screwed up an internal processing of an old mortgage to a new mortgage, and didn't delete the auto-payment on the mortgage being closed out. I am out $2,600 due to their mistake. It will take about 20 days for them to refund my money. Not one agent has apologized yet. I will have to borrow from my credit card (the one I put the payment toward), to cover for funds.

This has caused my credit report to be damaged. I have a second mortgage on my house which I don't have. I need to refinance. I have talked with so many people that work for Bank of America and no one wants to clear up this matter. This was a government loan, not a loan from Bank of America.

The $400 fee was debited to my credit card twice. B of A never discovered the double charge. When I alerted them to the overcharge, it took them 41 days to provide me with the refund. The US Treasury Department allows the Banks to use an approved data base for appraisals in order to save the home owner that expense. A customer advocate in Bank of America's Office of the CEO explained to me that the bank charged the fee because since I didn't have to pay for an appraisal they were entitled to charge this additional amount.

I was told to go to close without having had the opportunity to review the documents that I would be signing. The Bank's representative informed me that I would be sent one set of documents to review and then meet with a notary to sign a "duplicate" set. I had to fight with the Bank in order to have them send me the actual signing documents prior to close in order to review them properly.

Because of the policy of not including the upfront application fee of $400 in the total amount of funds required at close, there was confusion on my part as to the amount of funds that I needed to bring to close, I was short by around $400. I thought the amount B of A chooses not to provide a representative of the bank at close, only a notary is present. The notary was not an employee of B of A. Notaries are not present to clarify terms in the loan docs. They are only present to make sure that signatures are placed in all the appropriate spots. I waited to hear from the Bank regarding the issue of funding. No one contacted me. After a week, I called and was told that until I paid the difference, I would be paying interest on both loans. This ended up costing me an additional $132 in interest charges. No one at B of A has ever explained to me how I could have had two loans in place at the same time.

When B of A mailed me my first mortgage statement and escrow refund check, they were returned to the Bank. Instead of sending the items to my residence, they sent them to the property address. All previous written communications had been sent to my home including the loan docs. The refinance was always characterized as an investment property. There was no reason to expect that these documents would not also be sent to my home. B of A has my email and phone info. No attempt was made to contact me and alert me to the situation. I only discovered the problem when I contacted them. As a result the check that should have arrived within 20 days of close took 48 days to reach me.

During the entire Refinance process, I was never able to actually communicate with the individual that was designated as the loan officer that would handle the close. He was actually the third loan officer I attempted to communicate with. The first 2 had become MIA. I was never able to communicate directly with this individual. The email address that I was provided was invalid and despite many attempts to talk via phone, he never returned any of my calls. All communications with this individual had to made via a third party. This individual was not a loan officer.

On July 26, 2010,spoke with William ** who is a customer advocate in Bank of America's Office of the CEO. He informed me that all the points that I have raised here are standard procedure for the Bank.

Truly, BOA and this program needs to "get it together"! This is designed to help people, yet it is becoming more stressful than Cancer! I am not allowed to make my trial payment until this is solved.

A few days later, the mortgage payment I sent was returned to me. I called again to ask why my check was returned and where is the paperwork. I was then informed that my house was in foreclosure waiting for a sale date and that is why my payment was returned and no one knows why I haven't received the paperwork for modification. At this point I borrowed the money so I wouldn't lose my home.

Bank of America has done everything they can to not accept my payment. I have been through the wringer with BOA. I call them at least once daily and I swear everyone tells me something different. I don't know which way is up. I do believe that BOA wants to foreclose on my property. I have never in my life seen a business run as such. I thought the mortgage companies were supposed to be working with their loan holders to help them keep their homes, not work against them. I need help! I have spoken to everyone in the company and no one gives me answers or appears to have any knowledge of what they are doing. If anyone can direct me as to where to go to file a legal complaint. I need help! I'm losing my home because Bank of America is a mess.

My mortgages (a first and a second) went through forensics and were found to have many predatory lending violations. The worst violation (for me) was that the forms say the calculated monthly payment is a principle and interest payment and in fact it is an interest only payment. Prior to getting sick, I had never missed any payments nor been late and I had paid off other mortgages and loans I had had with BofA. All this mean nothing to them in terms of reviewing my situation. I didn’t recover well from the surgery and fell behind in some payments.

The law firm working on the modification was closed down by the Attorney General because of complaints against them. Bank of America convinced me that I didn't need a new lawyer and that they were more than wiling to help me. My home had decreased drastically in value and was now worth $500,000 less than what I owed! There were around 40,000 homes in foreclosure in my area. I began working with BofA myself.

I found out that the law firm closed down by the Attorney General had actually worked very diligently in order to try to work with BofA and had just ran into a big brick (barbed wire?) wall. I ran into the same wall. I have been trying to get them to modify my loan now for over a year. I talk with their employees usually once or twice a week. They are from all around the world. Each time I call I get someone from a different country.

I get different answers from each person. I have to give all my personal and financial information out to these global strangers over and over and over. I have now received notification from BofA that my personal loan information was compromised due to an internal theft. They pay for credit monitoring because of the compromise.

I have received a class action notification in regards to this compromise since so many others were also compromised and have filed against BofA accordingly. Because I had missed a couple of payments, I was not allowed to send any payments for many months. I persisted and persisted and now am able to submit payments. I was told in June I was accepted into their loan modification program under special consideration and would receive a packet with 30 days.

I never received any packet and was then told I was no longer being considered and that my payment had been increased from $4600/month to $7500. I spend up to 3 hours a day; each time I call to talk with the BofA customer service personnel. Their phone system is very convoluted and not customer friendly. The right hand never seems to know what the left hand is doing. Many times they have entered all my info wrongly and I have had to go over it with a new stranger and resubmit via phone in order to try and have it documented correctly. Many times I get personnel with such strong accents that they are hard to understand. BofA has received billions of dollars in bailout and HAMP money. The idea was that they extend this to their customers. They are not doing this. They are hoarding the money given to them for themselves.

I think as a public we need to watch our banks (and our backs) very, very closely for this kind of business practices and work only with banks we can trust and who have our best interest at heart. I think BofA is now just a great big huge corporation that functions on the principle of greed and not honesty and integrity. If our country is ever to recover from the mess that the banking system has created, we will need to change our own approach to the management of our affairs. We need to search out the decent good banks and use only them like local credit unions. It used to work well, you know, and you even knew the people who had your money. What a concept! Everyone makes jokes about America. "Welcome to America. In fraud we trust." I have seen and heard this quote over and over. Well as George Bush said, “Fool me once, shame on me. Fool me twice, shame on....well, you won't fool me again." Or something like that. Thanks for listening.

BOA sent a second set of documents out to be signed and returned by the 24th of June. I signed all documents and returned per BOA instructions. I made the payment that was due with the documents and made my first payment that was due August 1, 2010 in accordance with the modification agreement. I now have received an intent to accelerate the mortgage set to expire in September 11, 2010. I called BOA to inquire about the notice and was informed the modification was declined due to the documents not being returned by June 10th. I informed the BOA associate that the 2nd set of documents had to be sent out due to the fact the first set were damaged and could not be signed.

The BOA associate reviewed the file and submitted an appeal. The appeal was declined due to the documents not being returned by June 10th. I told the BOA associate it doesn't take much to figure this one out. How could documents be returned by the 10th if they were damaged and the 2nd set was not sent out till the 9th of June. The associate documented the case and sent an email to the loan officer. For the last two weeks, I have been trying to contact the loan officer on the case to discuss this and she has not returned a single call. Every time I call the customer service line I have to speak with someone different and I get a different explanation each time.

One associate informed me the modification was not declined and it may take 3 to 6 months to update the account/status. I asked her about the notice of intent and she said to just ignore it and the account would be updated and no foreclosure would take place. Floored by the fact I was told it would take 3-6 months to update the account, I called back and spoke with another associate in the modification department who told me I was given incorrect information and that the modification was declined and a foreclosure date would be set if the account was not paid in full. I asked to speak with the loan officer and was told the loan officer would not speak to me since the modification was declined.

I have documented over 20 calls to BOA in the last two weeks alone. I have complete names and departments. It seems BOA would rather foreclose on the property than to look at this in a common sense manner. BOA just does not care! The customer service associates are poorly trained, extremely rude and not helpful at all. Let alone it has been two weeks and the loan officer has yet to give me a call. Where is the help for the home owners that are doing everything requested by the big banks yet still getting thrown to the curb by the big banks that received TARP money from the very taxpayers that are being booted to the curb?

Mr. President! Here is another example why your policy "Make Homes Affordable for the People" have failed in regards to the population who are trying to make their payments to stay in their homes. You, your Vice President, and your Press Secretary, all preach this program every time you are on the television. The truth is Mr. President, you gave billions of dollars to the hands of the very people that got us into this mess! Instead of placing qualified professionals, Real Estate Brokers from each State on your "Make Homes Affordable Program" committee to consult with, you sought the information from inside people to make decisions for "we the people".

Your program Mr. President has led to BOA telling us that since we are still able to keep our payments current, we are to move to the back of the line so they can concentrate on those already in default. So in essence, that's what they are telling us to do, default, and get help! So herein lies the dilemma that we are facing; either stop making our payments and receive low credit scores, in which time BOA will come back and say your credit is bad, or we walk away from our home, since with the economic crash, we have lost all our down payment of $ 180,000.00 anyway. Yes, we felt we did do the right thing! We actually put a down-payment down, our life savings and we lost it and half of our home value as well.

My wife is employed by the State of California in the medical field, and the Governor cut her wage by almost 15% by giving her furlough days without pay. I have had a forced retirement due to the conditions of the Real Estate market with a minimum fixed rental income. The people of BOA after a year and a half told me yesterday that my file is closed because my paperwork didn't get to them on time? Seven copies later in a year and a half as per BOAs request because something wasn't received again? And after spending 100s of hours on the phone with over 20 people (I have names, times, and dates), yesterday they tell me I have to start all over again? One compounding problem; in November 2009, BOA took it upon themselves to open us an impound account for our taxes and insurance thereby increasing our payment by $1,450.00 a month, all due to our application for loan modification. Was this intended to help us?

So Mr. President, as you can see, the right hand does not know what the left hand does. On one hand they are telling us that we have to start all over again due to insufficient paperwork and our account is closed, and on the other hand, they opened a impound account because we have an application in progress. These are the people Mr. President that you and your secretary, Mr. Gardner, trust with our tax dollars to help people like us, try to be good citizens and do the right thing. Your system breeds corruption.

Mr. President, I am a Greek-American Immigrant; a legal one I might say. I work hard to pay my taxes, to be a good neighbor, to work hard for the last 34 years and to save some money to buy our dream home. Now, due to the BOA and Countrywide's loan programs, we are in the danger of losing our home. And just as another side note, we never even signed our loan application with the Countrywide agent. He did all this in our behalf! When questioned, they say that since we were putting a 20% down, we qualified automatically, so we never were shown the loan application. I have repeatedly asked the BOA people to provide me with my loan application and they continually find excuses why they can't find it.

Mr. President, as I have stated here, your programs and policies are failing because the people that you nominate to implement your programs are failing you. As a result, you are failing with them, while we the people are suffering the continuances of your policies. We hope and pray that this letter comes to your attention to see it as an a wake-up call for the future of your Presidency and the future of the people throughout our great country that are suffering and are losing their homes.

If this letter ever comes across your desk or across the desk of any of your people that are on television talking about how the program works and how you all trying to help people stay in their homes, I hope you feel some shame. As for Bank of America, they too should feel ashamed for taking your stimulus and helping so few. My experience of BOA, is they purposely, repeatedly lose documents in order to deny people of help and then take their homes back. They have nothing to loose Mr. President, because these loans are insured and they will get paid; by you and by us, the taxpayers.

Now, Bank of America is calling me, threatening foreclosure, because per the agreement with hope team. The payments are kept in a separate account and will be paid to Bank of America, if my loan modification is approved. The catch when my loan modification is approved. There is no guarantee that it will be approved.

There is no voice of reason. Bank of America has a hammer over me for working with the organization they referred to me in 2006 when I was struggling trying to find work and make payments. The hope team contacted me in 2009 after I had been with my employer for about two years. My loan was current. I decided to try the loan modification after asking many questions, and thinking a reduced payment might be beneficial for renting when I transfer to a better job with my company, most likely out of state.

I'm not the only one. I talked with an attorney -he's helping people file bankruptcy to get away from this. That isn't the right answer.

Now, Bank of America is calling me, threatening foreclosure, because per the agreement with Hope Team, the payments are kept in a separate account and will be paid to Bank of America, if my loan modification is approved. The catch is when my loan modification is approved. There is no guarantee that it will be approved.

There is no voice of reason. Bank of America has a hammer over me for working with the organization they referred to me in 2006 when I was struggling and trying to find work and make payments. The Hope Team contacted me in 2009 after I had been with my employer for about two years. My loan was current. I decided to try the loan modification after asking many questions, and thinking a reduced payment might be beneficial for renting when I transfer to a better job with my company, most likely out of state.

The trial payments are held by BOA and show on my mortgage statement, underwriters at BOA Loan Servicing receive my documents for the Loan Modification, and BOA calls to threaten me with foreclosure if I do not pay four thousand something right now. I have the paper trail to prove this.

Now, I'm facing foreclosure, terrible credit score scarring, and additional expenses, because one part of BOA is holding the payments I've made and won't release them until another part of BOA makes a decision on my loan modification which I started mostly out of convenience, not necessity. I'm not the only one. I talked with an attorney, he's helping people file bankruptcy to get away from this. That isn't the right answer.

Again no answer for months until I called and requested information at which point, I was told that I did not qualify for the program! I asked why, the representative at that point continued to tell me that my income needed to change and when it did, to call back, because financially I was going to loose my home any way. I was totally appalled by the comment. The representative went on to ask me if I wanted to apply again, I stated that I did thinking that may something good would become of this program for me. I called 4/2010 and was told I still did not qualify, but my file was being reviewed for a program that would fit my needs. All I wanted was my 6.625% rate to be decreased and brought down, as the market called for.

I am a Taylor Bean and Whitaker customer and I had no choice in the matter when my loan was taken over by Bank of America. To this date 8/2010, no one has called, nor has any one from this company assisted me in any way regarding my home loan, and yes, I am late every month paying; it is not by choice, I am struggling with the payment and I have called and cry for assistance and no one at this company cares enough to help American citizens stay in there home as they state on there letter.

I am late on my payments each month now, whereas when I was seeking help in 2008, I was not late. I am just barely making with my other household bills, due to the high rate that I am paying for this loan. I have nothing positive to say about Bank of America, as they have disregarded my plea for help and I will take this to the highest limit.

I will never recommend BOFA home loans to anyone. I have asked them again and again to make their decision with the information they already have. They are yet undecided if they want to approve my loan, 2 days before the escrow closing date.

After a couple of months of BA misapplying my funds, I complained to them and they apologized. Then they suddenly "lost" my address and stopped sending my bills. I tried for months to get my address right. I jumped through hoops calling them, mailing documents, etc. and doing everything they told me to do. I still was not getting my bills anymore or my statement summaries, so I went online to pay. They blocked me from paying online. I called them so I can pay my bills over the phone. They tried to charge me outrageous fees for paying over the phone unless I open a checking account with them too. When I asked to speak to supervisor, they put me on hold forever and I never get to speak to anyone else. Everyone I speak to there is completely incompetent. I told them there is no way in hell I'd ever open any other account with them after the way they mistreat me.

They refuse to let me pay my mortgage properly and now they only have my correct address for the purpose of sending me foreclosure notices! They block me from my faithful payments and are now trying to steal my property! This is possible in the United States for a business to fraudulently ** faithful customers out of their property! They will stop at nothing to ** me and steal everything you have! Once I am done with them I will never do business with them again in any way, shape or form. I want to warn everybody to please save yourself and avoid Bank of America at all costs!

Foreclosure was initiated before the end of April. Due to having trouble with our Mailbox and not having access to it, we found out about the foreclosure on the weekend of June 1, 2010. Immediately, we contacted BofA; through our conversation, I was asked financial questions & was informed that we qualify for the Modification Program & we would receive our packet to officially apply from FedEx within a couple of weeks. I kept notes on each time I had called to get an update on the arrival of our packet.

As of Aug 26, 2010, we have yet to receive anything from BofA! As of July 14th, upon another attempt to find out information. I was told by Rep that he clearly showed that nothing had been sent out as of yet. He re-qualified me again through our phone conversation & said we would definitely receive our packet now! My final attempt ended with a supervisor on 8/25/2010, when I mentioned that I had met with an attorney regarding this matter on 8/24/2010, the supervisor then said a packet had been sent out on 6/10/2010. This is a down & out lie! I have proof with each of my notes. I have cried & pleaded with BofA informing them that we did not want to lose our house & how afraid I was that time would get too close to auction date of 10/01/2010!

They assured me that I had nothing to worry about & to wait for my Modification Packet! Now, we are less than 45 days away and they tell me I can fax all my info and the process again can take up to 30 days. At that time, I asked the supervisor if he was even looking at my account on his computer to note the auction date and as to how I don't have 30 days to wait again! Now in order to save our family home that we have raised all 5 of our children in, we are forced to file Chapter 13! If BofA did not tell me I qualify for this Modification & tell me to wait for my packet, I might have been able to borrow money from my family to cover the 3-4 months we were behind but because they told us to wait, we are now 7 months behind. No one in my family has that kind of money to loan me nor will a bank give me a loan due to my late mortgage payments! Something needs to be done with these banks; they receive help from our government that we pay taxes to, yet they ** hardworking people like me!

When contacted, the mortgage agent stated that she didn't think she'd have time to complete the loan because "this week is almost over" (on a Wednesday morning) and she was going on vacation for 2 weeks, which only left 2 weeks to process the remaining steps. She then sent the entire application package - complete with my social security number, previous addresses, work information, tax forms, salary history, etc - to the wrong email address 3 different times until the recipient eventually wrote her back to say that it was the wrong address.

The rep did not inform me directly that she had done this, which would give me the tools to protect my privacy with such a big breach. Instead, I found out when she mentioned this error in passing to another agent, who then forwarded her message to me. Finally, on the day the closing was scheduled, she wrote back to say that the loan could not be processed because it turns out BoA couldn't process the type of loan that we were looking for even though they knew what it was and confirmed that they could process it 2 months before! I sent a letter of complaint and a request that, at minimum, BoA refund the fees for my credit reports, the appraisal and other associated costs that I incurred, and no member of the BoA team has responded to repeated messages.

This kind of performance and customer service at such a large bank is absolutely shameful. I incurred nearly $1000 in fees which BoA has refused to comment on, let alone, refund. In the 2 months between the start of my mortgage request and when I was forced to switch to a new company, interest rates went up a quarter of a point, which will cost me thousands over the life of the loan. It is only by good luck that the person who received my personal and financial information is not an identity thief, which would have cost me potentially massive amounts of money and hassle.

The underwriters at BoA recently denied my VA loan request stating, "The home at 7XX Norris Road is unoccupied," even though I explained in writing that the home was undergoing major renovations and I had to store my furniture until work was completed. After the nasty email I received from the "fulfillment office," Shawna, I feel like I have been discriminated against and my time wasted. As a Gulf War Veteran and retired Air Force Major I wouldn't wipe my feet on a BoA membership card. I'll find a reputable financial institution to give my hard earned money to. Sooner or later everyone gets what they have coming to them. BoA has earned all they have coming and then some. Stay away from BoA! They are the worst!

Weeks passed, us calling every week, to find out what was going on. "It will be "10-15 days." Weeks and months went by. Nothing. BAC never called us. We always had to call them to find out what was going on. It was then, months later, Bank of America finally said they couldn't accept the Taylor Bean Whitaker check. With no explanation to why they hadn't yet paid the loan. They needed a check in their name. Now having to argue that, because they had said they could accept the TBW check, and Shelter argued BAC had no claim to the property anyway. We had a three way call with BAC, Shelter Insurance Agent Carol ** and Bryon and Ashley **. Shelter agreed to send them a new check payable to Bank of America. BAC then said they would, again, get the loan paid off. Yet again, months passed, and no payoff.

BAC sent Shelter $765 for insurance in September 09. Our Shelter Agent, Carol **, said they had no reason to pay that because TBW had paid it when it was due in June09. There was no bill due for that amount (and "they actually had no claim with the loan or property"). Plus, there was not enough in the escrow account for them to pay it anyway. Come Dec 09, they paid $556 in taxes. Which they still did not have in our escrow account. Now they say we owe them back for those amounts ($1321) + more for interest they are trying to add on. Because they refused to pay it off when we requested in August 09. If they had paid the loan, the extra confusion would never have happened.

They owed us $893.05 left from our insurance payoff check. They never have acknowledged that amount they owed us back, so we don't know where it went? Every time we call BAC Customer Service, we talk to a different person and no one knows what is going on or what has happened. No one can tell us what amount they say is owed, is for and why. Or we get different reasons every time we call. After several attempts at resolving this, we filed a complaint with the Better Business Bureau. That got their attention, and we received a phone call from Steven **. We thought we had it straightened out when we spoke to Mr. F., who said he would "Overnight a statement that said we owed just the $427.95." At that time he said was "removing any and all extra charges." But the statement, never showed up.

We do not even receive "Monthly Statements" from Bank of America! Of what we have received, nothing makes sense. With different amounts on every statement. *Example~ In December 2009, we got a (Questionable) "Bank of America Payoff Statement." It said the payoff was $121,364.43. If we already paid $117,000.00 wouldn't that make the payoff $4,364.43? But why were we getting a Bank of America Payoff Statement- when they already had the original with Taylor Bean Whitaker? Why wasn't it applied in July like we requested? And why in December, they had already deposited the Claim check in October? (None of it makes sense.)

In January 2010, we got a foreclosure statement from Law Office of Martin, Leigh, Laws and Fritzlen, P.C. It says a balance due of $122,336.19! (With obvious Attorney fees and costs added into it. We have to pay for BAC to sue us, for money they already have?) When we called BAC, the woman we spoke to, told us there "was no way they would foreclose when we've paid $117,000.00." Again, saying it was going to "paid off in 8-10 days. "The Customer Service Rep also told us not to worry about it, that it would be taken care of, immediately. A statement from June 2010, said a balance of $2,791.21. But said $10,536.51 past due? With $1,118.16 as a Monthly Payment?

Bank of America can't even get their numbers right! We don't know how much BAC wants now. Do they want another $121 thousand? Because on their Payoff Statement they didn't show any credit for the $117 thousand. Or is it the $4,364, after the $117 thousand? And where did that amount come from? The Payoff was $116,106.95! Or are they wanting $2,791? From their monthly statement? What about their claim to the $10,536 in Past Due amount? Do they want that too? The $117 thousand was not good enough. Do they need more? Because it was more than enough to Pay Off our $116 thousand loan? Why can't they just apply the $117 thousand to the $116,106.95 and be done? They expect us pay for it. We ask, Why can't they own up to their part of the problem, and pay for it themselves? It is not OUR fault! But it is Bank of America's for NOT paying the original loan, they agreed to pay, in the first place, at the correct time!

Recently, a letter came from BAC saying they had $2000 insurance proceeds. They wanted to be contacted about what to do with it, apply to balance, or send it to us to rebuild the property. Since we were trying to pay it off anyway, we called BAC and told them to apply it to the balance. That would pay off the loan, and send the rest back to us, since it was for more than what they were saying we now owed. (At that time, the owed amount was $427.95, but BAC was saying $1200+). With that call, one person told us- yes they see that, and will apply it and take care of it. Then she put us on hold and sent us to a different department. The next woman said it was an error and they don't have the $2000! Either way, they have refused to payoff our loan. And may even be holding our insurance proceeds! (more recently- August 16, 2010- We received the same type of letter, only this time stating, they are now holding $117thousand insurance proceeds! Call to let them know. BAC doesn't even know what's going on! When we called about that notice, after entering our account number it took us straight to Foreclosure Department. That woman said, 1-She don't see any check for $117 thousand. 2-The foreclosure date is August 27, 2010. But our notice says Septtmeber3, 2010. She was going to try to email a stop on the foreclosure and call us back. We never got a return call.

We have started rebuilding a new home. It has insurance coverage now in the amount for $275,000.00. It is 2400 sq. ft. main level, and 2400 sq. ft basement (4800 sq. ft. total). Now, in 2010, Bank of America sent Shelter Insurance, $1069, May 18, 2010 for the insurance on the new home. Again, when they had NO Escrow money to pay for it. And should not even still have that account open. Again, if Bank of America had paid it at the requested time, all this confusion, complication and dispute would have been avoided.

Now BAC expects us to pay for their mistakes, and their sending of funds- they didn't have, in the first place. We recently got a statement saying our balance is $2791.21+ "Past Due" amount. We have tried finding out what it is for, but no-one can explain. Or why we have to pay anything more than what the Payoff is, can't be explained. BAC can't even explain why they didn't pay off the account, in the first place, like they said they would. We have never had a problem with working to resolve this matter with Bank of America. But they don't want to work with us. Not giving us credit for what they owed us back. Or removing all the other charges they cannot explain. And why they didn't pay off the account when agreed. Although, it is not fair to expect us to pay for their mistakes or the untimely switch between mortgage companies. All we asked is for them to send us a statement for the correct owed amount. We even offered them to keep the left over $893 if they would just close our loan.

Our family lost our home and all our belongings last year. We have 4 children, our youngest was just 4 months old when we lost our home! Now we have another baby due in only 6 weeks! Now Bank of America wants to take our home away from our family (again causing our family to lose our home) over a dispute for $1294.26 or $2791.21. We used the rest of our personal insurance money to start the building of a new home for our family. We have put over $50,000 into the start of our new home. We need about $70,000.00 to finish it. If Bank of America wants our business so much, they should help us finance that. Instead of hurting us by taking our home away from our family and children. We (should) own this property. We have put our own personal money into the reconstruction of our home. How can they take it away from our family now?

We were understanding that Bank of America was paying off the loan in August/September 2009 and never expected to have such trouble. BAC received their payment for the property of that loan. Surely there is something (else) that can be done? A different action to resolve this matter? Someone willing to help us solve this. If BAC would have paid off the loan, at the requested time, they would not have paid the insurance, taxes or new insurance. Bank of America, had nothing to due with this loan. As stated before, we were in the process of paying it off, with TBW before BAC even got the account. They should have just paid the account and been done. As you can see this has been a long ongoing battle, and very confusing and very frustrating.

Please, Our Family has been through enough stress, grief and loss and just want to move on from this tragedy. Thank You. Bank of America has had our $117,000.00 payment for over a year now. For a $116,106.95 loan! A loan, that was in the process of being paid off when they received it. BAC should not have any other Bank of America amounts added into it. It is not, was not, with Bank of America's Payoff. It is, and was, with Taylor Bean Whitaker. $117,000 (Payoff Check Amount) $116,106.95 (Payoff Amount) $893.05 (Owed to [us] from Payoff Check). $765 (Unknown Insurance Payment) + $556 ('09 Taxes) +1069 ('10 Insurance) $2390.00 (Amount BAC Paid) $2390.00 (Amount BAC Paid) - $893.05 (Amount BAC Owes [us]) $1496.95 (*Most* Owed to BAC- If [we] have to pay for their mistakes). $2791.21 (Amount BAC says [we] now owe) - $1496.95 (Amount [we] should owe, if any) $1294.26 (Extra money BAC wants!). We are not in default with Bank of America. We have given them One-Hundred-Seventeen-Thousand Dollars! A check, BAC has deposited into their account. But not applied to pay off our loan! We have a copy of the original TBW Payoff Statement. Copies of the requests BAC Reps, told us to notarize and fax- to get this matter resolved. Copies of the deposited check they accepted for payment! We also have the letter about the $2000, insurance proceeds. All statement copies we received from BAC. And, the first letter from their Law Firm, to foreclose.

We have talked with an attorney. But we are at a loss, because we don't know what to do, the foreclosure date is approaching and we can't talk with anyone at BAC to get our money! However, an agreement better be made before then, if they want to avoid a legal battle. We at least need our money so we can find a new home soon. BAC wants the property take it! We want our money back now! We have 4 children and 1 due in only 6 weeks. And now BAC wants to take our home! They want to be responsible for homeless children and a newborn, for crying out loud! Its absurd! BAC owes us, and BAC has made so much money in interest alone off our $117thousand. A check they deposited and have kept for almost a year! We have a right to it.

The lawyer said we can and will sue for wrongful foreclosure, if this goes that far before we get something! We'll get our $117 & interest, & $55thousand of our personal money that we've put into the new construction of our home. He said they can't have the property & money too. We want our money and to be able to move on from this nightmare. We will not give BAC another dime. They will pay us back for the chaos they have put our family through since the loss of our home for a year now! But September 3rd is coming soon, something needs to be done now before we are homeless, with 4 kids & a newborn! I want a home to bring our daughter to, my older children do not need any more disruption and when they are going back to school next week! Our family has been through enough!

We will be BAC's biggest nightmare for they have been ours for over a year now! I have to fight for my family! Desired Resolution: Bank of America can have the property. We want our $117,000 dollars back (they deposited but deny having). We want the $2,000 dollars insurance proceeds they said they are holding (but later denied). We want reimbursed for the $55,000 we put into the new construction of our home (since it was our personal money and they are taking it away and trying to keep the other funds too! ) We want the interest they have made off our $117,000 over the last year (holding it since October 2009-at least $10,000 or more). Adding those amounts- Estimating = $ 184,000.00 From Bank of America. Before they foreclose and we sue them anyway for "Wrongful Foreclosure" It can all be settled if they want to avoid any legal battle.

When I called BAC, they stated they escrowed my flood insurance, homeowners insurance and my property taxes into my mortgage. I did not approve this. My homeowners and flood insurance had already been paid. And now my property taxes were paid. After speaking to a few departments at BAC, I was told to send BAC my property tax payment being they had paid it already but that they would reverse everything back to the way it was when they bought my mortgage.

After another call, they said they couldn't do it. Then I asked for a supervisor, they said they would work on it. Well few months I called back again after a few departments and forwarded to next persons. He assured me that my mortgage will go back to original state. It is now August 2010 and I have received 5 phone calls on my personal cell since Friday from their collection department as to when I was going to make a payment. I have not skipped a mortgage payment since I have owned my house. I have been paying my original payment that it was when BAC bought my mortgage and all my insurances have been paid by me in full as well.

I am being harassed due to the lack of competency in getting my mortgage back to where it was before I made one phone call inquiry. I signed nothing, gave no one permission to do anything and now I am being harassed on a daily basis. (the help I wanted was to see if I could get my base principal amount lowered being my income/sales commissions has considerable gone lower due to the economy going so bad)

My husband said he was sending it anyway and they refused still stating do not accept during remod process then we get a note of foreclosure. When I called BoC attorney for the foreclosure, we were told because we were not paying payments. BoA is clueless but said do not worry just a formality. Offered to pay during remod again to avoid the confusion and told us and our attorney again no. Then two weeks later, 8/17/10, served with sale date and final foreclosure 8/27/10. Told by BoA attorney because not paying and did not give all info for remod. We did. Called BoA and they claimed there is no sale date but they will call their attorney. They will not do anything in writing regarding this. How can they take my house when I am paying? They quit accepting as loan mod not approved yet. Help.

You can never speak to the same person and would always be assured that my loan was current and I should not be receiving anything because the attorney office had been contacted. We appeared in court and was told that the foreclosure proceedings had begun on our property. Also, I would like to mention that I received countless literature from attorneys to represent me for foreclosure and we actually received a letter for someone to buy our home that they hand delivered!I continued to speak with Bank of America as well as continued to pay my mortgage and was told that my loan was current!

For the entire week of 8/16 I tried contacting Bank of America supposedly my loan negotiator Maria *** and could never leave a message but was connected to the toll free number and was constantly disconnected. Finally on 8/19 I was able to speak with a Mr. ***. I explained my reason for calling. He placed me on hold then the call was picked up by a Joyce who I asked to speak with a supervisor, I was connected with Christian *** who again told me that my loan was current. I explained my frustration to the entire process. Mr. *** contacted Pierce and Assoc. and returned to me stating that everything was okay and I asked to speak to the individual that he spoke with.

He connected me to Donna Kozik and she expressed that Bank of America just sent them notification on August 17 that the foreclosure was to be discontinued dated for July. My complaint is that you can not speak to the same person regarding an issue, that you can not go into a bank to speak to someone everything has to be over the telephone and when written communication is done that Bank of America does not efficiently communicate with it's clients. That the paper trail process allow for too many human errors or misplacement. That communication with their attorney office is poor! That customer service by Bank of America is extremely poor and needs some major improvements!

August comes around and they finally complete the review. It has taken me hundreds of phone calls, reviews with accountants and attorneys to understand what they did to my account when the finally implemented it 4 months late. They charged me three months in late payment for about 5,000 and they charged me for a year in escrow payments for another 5,000. So when the loan modification came in that was suppose to bring my account current, I was 10,000 behind in payments. Then they did an escrow adjustment that raised my payment again.

I have called and gotten hung up on at least 4 time just today. I am being told that my account is being handled by the Office of the President at Bank of America. Well do you think the President of Bank of America can help me figure out why I was charged 3 months late when I UPS's a certified check to them in August via UPS and have that canceled check to prove it. Why was I charged another 5,000 in escrow when that was built into the 10,000 Principal adjustment that was done to to my account when the loan was modified? It seems that the escrow came due while my account was still "in review" and the escrow department did not bother to check with the person doing the review to see if that was built in or not.

They just stuck it to me. I also caught up the June and July payments in February and March 2010 making double payments and have those canceled checks to prove it. Why is my loan is being handled by the Office of the President? Can they not fix this situation and stop hanging up on me? I will not be deterred. I will continue to call and take legal action to get this corrected. This is a scam!! Is this the thanks we get for bailing BofA out of their mess! They stuck it to me and are not even trying to correct this. What a scam! Bank of America has sent me 7 applications for an additional refinance without even so much as trying to fix the first one. Why would I be so stupid as to do this again without an army of attorneys looking at every dot on every I and every T crossed? B of A use to be a good bank but they have lost it completely.

Got a call from India perhaps, letting me know they were a collection agency. Or dept of collections or something. I asked to be patched to customer service where I asked for a supervisor, the gal was nice trying to patch me to the supervisor, but it was hilarious, took 10 minutes twice before I ever got to talk to the supervisor. She said, she would send a duplicate bill, which I doubt she will. I told her I wanted a bill sent by the 15th of every month, for a due date of the 1st of the next month, she said they can't. I said I wanted a book of bills then like the old days, she said she cant. Offered on line pay, I said, "No, I do pay on line through my bank already and just want the bills to actually get to me in a consistent way." No progress, I am thinking of getting an attorney, for the refi ordeal and the billing issues and late fees.

BAC has not been any help to us either, even with Obama's relief act for homeowners. What we've kept hearing from BAC was, we did not and still do not qualify, even under the Obama plan. Until we have had significant changes in our income, or a loss of a job, they say they are unable to help. When I get laid off from a job, they say that I need a job before they are able to help, saying, I have to have some sort of income. Their retention team said we do not meet the qualifications for the help Obama approved for homeowners in our situation. They just keep saying if we have a change in our income, call back and our retention team will take down our financial information and then they can try to help. I have made several attempts to work with BAC's retention team to no avail! When they asked if I wanted to try and refinance, escrow came up in the conversations and I told them I could not afford the mortgage payments with an escrow. BAC stated that refinancing would indeed increase our monthly payments because of the escrow. I declined due to escrow.

BAC also agreed this was not the path to take. The nightmare increased after refusing to accept an escrow. I had given up hope and quit trying to call BAC for help. The last time I did call for help, I asked if they could just put the payments we are behind right now on the end of our loan. BAC refused, said they were not able to do that. BAC asked if I tried contacting our retention team.

The last two times we were able to refinance, BAC was unable to assists us so we went through another loan company outside of BAC, which the advocate went back to BAC to refinance the loan. We were unable to set up an escrow then, so we have been paying our mortgage payments, our own property taxes and our own homeowners insurance separately now for the last 5+years. Now, BAC insists we are delinquent on our property taxes as the reason for them trying to set up escrow now without notice.(We are and have been current on everything for the last five years, except the mortgage payments.)

Due to job losses and the types of jobs I have had to take after my compensation issue, we fell behind on our mortgage payment occasionally. The worse was just last year; we fell behind by 3-months. Since we are behind on our mortgage, BAC did however set us up on a re-payment plan which increased our monthly payments by an additional $170.00 per month. The problem is it seems like the closer we get to catching up on our mortgage, the worse things get. (August 30th, 2010 is our last re-payment and we will be caught up on the mortgage.) BAC keeps paying our homeowners insurance and telling me that until I pay them, they cannot stop an escrow I never asked for. Yet now that they have set up an escrow, our payments are going to skyrocket over a thousand dollars a month.

At this point in the game, BAC seems to insist on not only increasing the mortgage way beyond what we can afford, they are trying to bury us in our monthly payments so deep as to force us into foreclosure! After failed attempts to tell them I did not want to be set up on escrow, BAC says "I" have to pay the bank back $1,070.00 in order to stop this negative escrow. I told my insurance company that I did not want BAC paying my HMO insurance, yet Just today, I received another call from my insurance agent saying, BAC just paid another year of our homeowners insurance up front. No doubt this is more bearing on our monthly mortgage payments; the amount they spent setting up an escrow and further turning escrow into a negative amount even deeper.

They insisted without notice to pay the remainder of our homeowners insurance in "full" back in May 2010. (We are set up on a monthly pay with our insurance company, and have been for the last five years. ) During these negotiations and our repayment period, we have been harassed with telephone call,; letters and even threats with foreclose letters. When we call BAC, they simply say that until we get our payments caught up, we will continue to receive these notices and phone calls, because their system automatically generates the letters and the phone calls, so there is nothing they can do to stop it.

I have tried talking to the advocates at BAC attempting to resolve the escrow issue. They say they cannot just stop the escrow. We now have a negative in escrow due to their negligence and lack of want to help. When we ask to talk to someone in person about our loan account, this continues to grow with an ongoing matter that will not be resolved anytime soon, if then. I cannot get anywhere. All they have are the computers in front of them with the information they have been programmed with and programmed their advocates as to what to say.

I cannot get anyone to tell me who I can go to inside of a BAC location to try and talk to a Bank of America manager. They say they do not have any information as to where to direct me. When I call a BAC and ask for help, they say all they can do is call the number I have and talk to the people I am talking to on the phone.What can I do? I'm only one person and Bank of America is too big for their britches! Obama bailed them out, what is so difficult about helping out a homeowner in need?

Therefore after waiting from 9:00 a.m. to 10:30 a.m. Mr. **** tells me that I have to go to my Chapter 13 Attorney to get proof, a payment history. I called the Trustee's office and they faxed the payment history to Mr. ****. He told me that I had to get proof from my Chapter 13 Attorney. I had to leave the bank and drive to the Attorney's office. I received proof of payment history with detailed information to justify the payment history. I drove back to Bank of America, gave Mr. **** this information and he still would not sign the check. Mr. **** stated that because of my Chapter 13, the bank has to take these measures. I asked Mr. **** how to clear up this confusion.

He stated he did not know and that I will need to have my Chapter 13 attorney contact the Bank of America's attorney since I'm under a Chapter 13. I asked for contact information on the CEO of Bank of America and he gave me the number of Bryan **** at ****. Then he stated that I will not be able to talk to Mr. ****. I left the bank, called the CEO office and explained my reason for calling. I was put on hold for at least 8 minutes. I made a call to the Bank of America attorney's office at **** and spoke with Adam. I explained the reason for my calling. Adam told me that he could not help me with this situation and he didn't know how I could clear up this payment confusion. I was never told at any time that my mortgage payments was 1-month behind.

When I pointed this out, the representative stated that the real percentage we must beat was 35% (payment to income). Since BOA's housing costs also allow for homeowner‘s insurance, we showed them that our total housing costs (still with only the negative amortization payment) was actually at more than 35%. At which time, they told us that the REAL percentage to meet or beat was 37%! We even went one step further to point out that if we keep making nothing more than the minimum (negative amortization) payment, BOA would have to foreclose on the house in less than 2 years. If BOA was to consider our 30-year amortized payment, our housing costs exceeded 42% of our income. They would not even respond to this!

To top it all off, after being current on our loan, then making 8 months of trial payments on time, we were told that we had been delinquent on our loan from the moment we started making the trial payments. This BOA reported to the credit agencies. We were told that we had to make up the difference between the trial payments and our original mortgage payment. After the 10th try, we were told the amount that we needed to pay in order to make the loan current. We paid that amount within a few days, but were still told our account was delinquent because one department could not figure out what to tell another department what to do with our money. So after more than 9 months, we are back to current on our loan but with our credit shot just for joining a program for which we were pre-approved.

Prior to entering the Making Homes Affordable Program, we specifically asked several BOA representatives that if we could or would be held responsible for the difference between our mortgage payment and the trial payment. We were repeatedly and emphatically told ‘No’ as long as we made the trial payments on time. When we approached BOA with this, at the time of loan modification denial, they told us that we had unfortunately been misinformed by the prior representatives. "So sorry", they said. In our humble opinion, the entire process was a scam and a set up for customers that were entering into the program most likely delinquent on their loans, so BOA could squeeze out just a few more dollars out of us before letting us know that they would be more than happy to help us with a short-sale or foreclosure. Nice guys! They ruined my credit rating. It is more stress than can be calculated. Please feel free to contact us if you think it would help. Best regards.

My name is Rhonda **, Freddie ** backed my 30-year conventional loan at 6.375 w/ Country Wide now Bank Of America. They have denied me 4 times under HAMP refinance which I did not apply for. I only qualified for the modification and on this they have not met their burden as a fair lender or treated me with reasonable consideration or sent me a denial eligibility for HAMP.

6. Attempted to add my house onto my mother's loan for a re-finance and when she told them this was not her house the rep said, "Sign the documents any way we will fix them when we receive them in the office and all of our calls are recorded.

I need your assistance. What can I do, short of getting an attorney to be treated with dignity and respect. I am a disabled person with disability income trying to live in my home and now you and Bank of America are trying to steal it from me. Today a Bank of American Branch Manager tried to help me too. That case # ** no success any where. What is an honest citizen to do?

Based on what I was told to do, I faxed in all the documents with my loan number written on them as per their instructions. I called several times in the weeks after asking if there was any news on this or anything further I needed to do. I was told each time that there was nothing they could tell me as the modification was in process and they would not have any information until it came out of their internal review.

The last week of October came up and I mailed in my check for my first payment. About two weeks later, I received my check back with a form letter that I read, meaning, they could not accept my personal check but BOA can receive money orders or cashier's checks. I assumed I had to send in one of these other two types of payments but I called them and got someone that sounded like he had an Indian accent. He told me repeatedly to keep sending in my payments and they would accept them.

So by this time I had my next month's payment ready as well and got two cashier's checks for the amount I was given over the phone. I sent them both in at the same time. Both were returned to me in December. I called them again and got told they did not know why my payments were being returned. I called the original number and asked about my modification to see if they knew why my payments were not being accepted and they once again told me that they couldn't give me any information until the loan came out of their internal process.

The beginning of January, I began getting legal documents from them stating they were going to foreclose. I called up the original number and finally a woman there gave me some answers. I told her everything I was supposed to have done and she informed me that she doesn't know who told me to fax that information in. She said all those documents were supposed to be mailed in. She had a letter sent to me to sign that she had sent and said she would try to get me into the modification process. Apparently, they did not put me in the process because I had not sent in this signed letter via mail.

So I mailed all these items in after receiving a FedEx package from them. In February, I had to submit my financial information again. I got a call back from a gentleman that said I had been approved for modification and that I would receive a phone call within the next 10 business days to arrange that. I was also told the foreclosure had been halted and that the March 25 date for that was no longer anything to worry about.

About a week or two later, I got a call from a woman as I was driving home that said she needed to verify my financials. I told her I had just resent all that in 2 weeks earlier and did not have those papers to give her over the phone. She said that she just needed some rough numbers, so I told her some rough numbers of what I remembered I made for income. She thanked me and that was the end of the call.

During the 3rd week of March, I was working on the road away from home. A letter arrived at my home the day I left from BOA stating that my income level did not allow them to modify my loan. The amount of income stated in that letter was about $800 less than I had submitted in my documents. The letter went onto say that I had until the original date set for the foreclosure to dispute these findings. That amount of time given was two days and the foreclosure went through while I was not home.

I arrived home late Friday of that week and did not open the letter until Monday. I called the bank and said they had made a mistake on my income level and asked them where they got that income level. They shuffled me around to several different people all telling me there was nothing they could do to help me anymore as they had gone through with the foreclosure. I continued to call for weeks trying to get answers and got nowhere.

I contacted our state senator and asked for their assistance to get an answer out of BOA on what happened and why they made this mistake but would not assist me in fixing it. Months went by and I finally received a phone call from a gentleman from BOA. He apologized for my "experience" I had with BOA but said it was too late for them to go back and do anything. I told him that his apology doesn't really do or mean anything unless they were willing to go back and fix their mistake. He told me that there was nothing they could do anymore.

A couple days later, I was sent a letter giving me 1 week to move out of my home and find a new place to live. So my kids and I are packing a week before school starts and trying to do what we can. It's been a horrible year dealing with this bank. You would think when they make multiple mistakes, they could go back and fix their errors.

I called and they say just to ignore for now, it is in the advocacy department, and has been assigned to a Janice **, but you cannot call her. They told me I can call in and check on the status anytime. I called in time after time. We have to file BK chap 7 at this time. On June 25th, received another FedEx package from BOA requesting documents. I sent them a not-so-nice letter, and cc'd President Obama. They sent back another letter, stating that all the financial docs have been received, and they need to review. Mind you, I never sent financial docs this time, just the letter.

Just the other day, I got a new bill from BOA for mortgage past due! Our BK will be discharged by about Sept 21st, 2010 and the bank still doesn't know what they are doing. I feel so sorry for anyone who has them as a mortgage company, at this point. The consequences are enormous mental anguish, anxiety, and depression.

Due to Bank of America's unwillingness and continued incompetency, I personally have suffered over the course of the last year's loss of time from work, necessitated by spending hours on end on the telephone either waiting to speak with a representative or being filtered through several representatives, only to be provided with misinformation and no assistance.

In December of 2009, when Bank of America performed an escrow analysis, our monthly payment increased $60.00, creating further financial hardship, due to their assertion that our mortgage was several months in arrears, when in fact, the payments had been made and I had provided them all proof. Furthermore, as a result of their negligence, when filing our 2009 Federal Income Tax return, we subsequently owed federal tax as a result of the mortgage interest statement provided to us being incorrect. Again, because they asserted my payments had not been made.

We have also expended personal funds to copy and send via certified mail over the last year detailed proof of payment, notes, letters, complaints, etc. Yet, to date, the matters are not resolved. I have personally suffered extreme stress dealing with this matter. I have suffered with extreme anxiety and fear over the last year as a result of Bank of America's practices. There are many other specifics regarding what we have endured which are too lengthy to list. However, we have a 3-inch thick binder, with very detailed information, all of which has been provided to Bank of America numerous times, including names, dates, times, proof of payments, letters, etc.

With today's economic uncertainty, we are struggling to survive and this situation, centered on our home, the core of our family, has created significant and unnecessary stress for our family, including our young son, who worries we will lose our home. Please provide me with any assistance you can so that we can get this matter completely and finally resolved. I am sure, with 9,000 people in the State of Maryland having held mortgages with Taylor, Bean & Whitaker, some of which had to be taken over by Bank of America, that we are not the only ones to be suffering at the hands of Bank of America's questionable practices. Please help us!

I had lost my job in July 2009. We provided an itemized statement of our finances to BOA on several occasions. We listed our home on the market in September 2009. It was listed for 3 months and we had no buyers. Our lawyer suggested we take it off the market with hopes that our modification would go through. In February 2010, we listed the house again. We applied for a short sale. We had an offer on the house in April of 2010. BOA did not respond to our file in a time frame requested by the buyer's agent. We lost that sale. We now have a 2nd offer on the house and BOA is making it very difficult to communicate with.

The FHA short sale department does not make phone calls, so we communicate only by secure emails. Not one email has been precise, helpful or detailed. Although we were approved for a short sale by the bank, we never received any type of short sale package explaining how documents needed to be filled out, correct procedure, etc. It has been very frustrating. We feel as though we have been going in to this blind since last May. Our agent is frustrated, our currently lawyer is frustrated and we just don't understand why BOA is not moving quicker on these short sales. One of the supervisors told us that our short sale negotiator is very busy and that she is handling several other files that are very similar to ours. We don't care. Because of the increase in short sales, they should hire more reps to handle these accounts. Each time we hand in paperwork, there is a 2 weeks waiting period for review. Potential buyers will not wait. They want to move in to their home.

The supervisor also stated that if the buyers are serious about purchasing our home, they will wait. This is not true. We have had several homes and we never waited this long for an approval on an offer nor would we wait. Buyers are looking at closing dates and wanting to move in before the colder weather arrives, etc. There are several factors that come in to play when buying a house. BOA, obviously, doesn't care. All we get are uninformative emails, short, cold responses. Like we planned for this to happen to us, right? We are frustrated, tired, overstressed and want this to just be done. It is very difficult to keep the house up, living in another town. We have done everything to keep this home showable and BoA is just wasting our time.

I also keep emphasizing to BOA that the contract has a stipulation of a per diem of $50.00 charged for everyday the contract is not closed, and here we are 12 days after the contract date and I still do not know if i will be able to close because BOA is not giving me anything to go back to the seller and ask for more time. It's a house in Florida and I love this house and am looking forward to take my kids to Florida before the summer ends. BOA is not saying they're not giving me the loan but I would like to be kept updated on what's happening, also my agent keeps getting calls from the title company saying they are not hearing anything from BOA too.

This is my second application with BOA, the 1st being on another property I found and feel in love with but with BOA lack of communication and not meeting the closing date, the seller did not extend the contract causing me to close out on the sais prop, along with the first time home buyer's credit that the govt was offering to 1st time home buyer. I would not want to lose out on this one too with a price that I can afford. I don't think it's right for them to keep doing this to me. If they're not giving me the loan I would prefer them telling me in advance so I can try somewhere else in getting finance but it's too late now at this point.

When I call, they say to be patient. During this program, they offer you a "trial payment" plan. That amount is different from your original payment. I chose not to pay the trial payment amount while they worked on this modification because i was afraid it would affect my credit. I pay the whole amount of the original payment. I do not pay a partial payment. I pay the full amount. Never late.

Yesterday, I applied for a student loan for my son through Sallie Mae. I was declined. Apparently this is because Bank of America reports this as a partial payment being paid...even though I am making my full payments. They ruined my credit and I have never been late or missed a payment. I have a copy of my credit report. Its still in the mid 700's. No lates noted anywhere. How can they do this?

My son may not be able to go to college. This is serious. They somehow report to the credit bureau I have "serious delinquencies." When? Never. Not once. I applied as a co signer for a student loan for my dependent son. I was declined due to Bank of Americas false reporting of my payment status to the credit bureaus. I cannot get a loan. He cannot go back to college. My credit has been ruined and I don't know what to do now? Nobody at Bank of America will help me. I have no where to go for help.

He checked on the status in July and they were still working on the modification. At the end of July while we were on our honeymoon, we were called by a friend who works at the court. This person informed us that our house was up for foreclosure and there was a sell date for August 6. We have received no service for this and did not even know this was going on. I checked the civil inquiry and found out that the sheriff had attempted service on June 9th, but no one was home so he said it was posted on the property. I was at home all day that day sick and no one came to the house.

Anyway, my husband called B of A and was told that there was a court date in July 16th that he missed and a sell date for August 6. As I stated before we had no knowledge of this sell date. He asked the status of the modification and he was told that it was with the underwriter. He asked again if the sell date could be postponed until we found out whether or not we would get a modification. He was told that the B of A attorneys would be notified to postpone the sell.

On August 5, 2010, my husband called to check the status and he was told that he was denied a modification on August 4. His sell was not postponed. He asked if he could have the loan re-instated and was told that he would have to talk to the B of A attorneys. He called and left several messages with them on Thursday August 5. He called again on August 6 and was told by the attorney that B of A did not send anything saying that the sale be placed on hold and it was up to them. He called B of A back and they told him that it was up to the attorneys to put the sale on hold. He called the attorneys back and had to leave messages.

No one called him back on Friday August 6 or Monday August 9. In NC there is only a 10 day period of time to make arrangements to re-instate the loan, but no one will return his calls. He called B of A today and they told him he would have to work something out with the attorneys again. He called the attorneys and of course was not able to reach anyone and left messages for a return call. Also to my understanding NC passed a law which was in effect in July stating that if the mortgage company is working a modification they cannot foreclose on the property. They denied my husband’s modification on August 4 and bought back his home on August 6.

They did not notify him of the sell or the fact that he was denied for a modification. As of Friday August 6, 2010 our house was sold back to the bank and we are going to have to move. We have a baby on the way and nowhere to go. We have been looking at homes to rent, but our credit is not good so we will probably be out on the streets when we are evicted.

They told me that I could use Presidents Bailout. I waited and waited for 6 months. Then they told me I don't meet the guidelines, which is not true, I do. FHA says so, Maine State Housing and Fannie Mae. BAC Loans has done nothing but lie to me. I’m not even behind on payments. I have nothing but bare necessities. I don't even take medicines because I don’t have money to pay co-pay. I live on social security payments. They also told me that Fannie Mae bailouts were put on hold. That’s a lie. I'm looking for a lawyer who would like to help and trying to get the word out to the media. I’m trying to get out of BAC. Don’t do business with them. They’re crooks and liars.

Then out of nowhere, we received a call from BofA stating that they were going to start foreclosure proceedings if past due payments were not made in full by end of month! They said the full past due payment was due 30 days after forbearance ended! Wow! My husband and our family have gone through some hard financial times and now this. We have extreme stress in preparing financials and to prove medical and financial hardship to be approved for a 'temp. forbearance'. Forbearance still ruined our credit and even after making on time consistent monthly payments in full, BofA is threatening foreclosure due to past due amount from forbearance rather than working out a monthly payment with us as promised.

5. August 9th. Made payment. Contacted BOA after receiving another Foreclosure notice. Demanded to speak to someone who could give more info.

Directed to Arlett in the "Making home affordable status" department. She informed me that we had been rejected for the Hope program back in May. We were never notified of that but were continually told that we were still under review. She informed me that we had been referred out for repayment plan but we were never contacted about that and we were dropped from that plan without any notification. Over the months we continued to call, we were continually assured that we were still under review and were never told that we had been denied at any level at any time. Not only were we were never told that we were not going to be helped but BOA representatives continued to tell us help was on the way and we should not bother with other possible avenues.

In the meanwhile, BOA has continued to charge us late fees upon late fees as well as additional charges to pay by phone since we can no longer pay on-line (loans in default can not use the BOA website) and we are afraid to mail the payment in. This situation seems less and less like mere apathetic inept practices and feels more and more like deliberately unfair, money making tactic. They offered help fully knowing that they had no intention of following through. They discouraged us from seeking help elsewhere. They actively assured us that help was forthcoming. In the meanwhile, we still owe the 2 months mortgage we missed and they have attached late fees galore on every payment we have made since. They harass us monthly with registered letters threatening foreclosure yet assure us when we call that we will not lose our home. In short, I'd almost rather be dealing with the local loan shark than BOA. At least a loan shark is honest in his representation.

Letters and instructions advised me to pay a new lower payment of 1253.00 for the next 3 months (Oct, Nov & Dec) and then at the end of the 3 months, I would have an answer if I qualified or not. In good faith I paid my lower monthly payment for each of those 3 months on time.

At the end of 3 months, I did not receive any answer so I repeatedly called and called to try to get an answer to the status. Each time, I would speak to a rep I was told conflicting stories from I don't know, so they told me that I had cancelled the program (very untrue) to that I am declined. I then kept receiving letters advising me that I was still in the modification program but no results. In April, I became unemployed and did advise this to one of the many B of A reps that I spoke to and she advised me that I should just short sale the house then since I cannot afford the payments.

In the meantime, I began to see past due fees and late charges on my bill adding up. I was not able to get anyone to explain this to me but the charges still kept increasing while I paid my modified payment each month on time. When I finally did speak with someone, I was told that these charges will be reported to the credit union and that if I don't pay the past due charges they will foreclose on me.

They also told me that since I am now unemployed I do not qualify for any help from them and one rep even told me, I should think about short selling. I heard of a facility in Henderson where you can go sit with a rep to discuss your case and I did believe she was going to help me. This was in June 2010 and she told me I had been declined and that my late charges amounted to over 4,000. She could not believe how long this had gone on and how poorly my account was handled based on all the notes in my file. I had not even received a denial until a few days after that meeting.

When I finally received my denial at the end of June, they also informed me that I did not qualify for any other help and that from now on every payment I make will be applied toward the arrears and each month will be considered delinquent unless I pay the full 4,000 of past due charges and in addition they could start foreclosure. A week ago, after complaints that I filed, I received a call from "the CEO of B of A Home loans" Sheri F. She was going to save me. She clearly stated that my account has a lot of derogatory comments and bad handling. She advised me, she will fix my credit with the credit bureaus, she would waive my late fees and approve me for the modification. As she said, I received paperwork within a couple of days.

I did not understand the paperwork and I had a deadline of of just a couple of days to sign and return the documents and I left her at least 12 messages. She returned my calls just late enough that I had to send in the signed paperwork to save my house and credit. It turns out the "help" she gave me was to add the arrears to the balance of my loan, and increased my monthly payment! Also, she said the help for me is that I do not need to make a payment for August or September. This not a modification as they pass it off as.

Articles I have read since make me think this was forbearance instead. I felt I was coerced into signing the agreement in order to save my house and credit. I still feel that I need help in making the bank do the right thing by removing the past due charges that was due to them only in their poor handling of my account and by either lowering my interest rate or whatever it takes to lower my payment. I feel that they acted fraudulently and in bad faith and I do not know what action I can take or how to get this resolved for me.

Honestly, I think that is was a ploy by Bank Of America to get us to start struggling with our mortgage. All I can say is seeing how Bank Of America operates and handles business I really really hope that they go bankrupt! What they have done and are doing to the American people should be a crime, and I feel like their greed will consume that whole company.

I deposited the money and then was questioned where he money came from. As I didn't have the receipt of deposit, I was then told that the money could not count towards my asset amount. Even though I told them I could provide photos of money I had at home, even more than was deposited. As the deadline for closing documents to get to the title company was approaching, BOA would not write a letter of extension explaining what the delay was. BOA refused and (Joanne) even hung up on my realtor, so I was told. As they could not get the letter to the title company for an extension I had a cashier's check to pay for the extension ($375), BOA did nothing.

After numerous emails and phone calls were made, I did receive a vms early in the morning from Raphael stating that if I didn't have the receipt for deposit, the loan would be denied. I have since lost $1,000 earnest money, all my inspection fees, fees for turning electric and water on and plus paying BOA $590 dollars for their appraisal fees. Due to their lack of customer service and not working for their customers, I was approved the day before from a different bank, but due to BOA not writing the letter of extension, I was forced to forfeit my $1,000 and other costs incurred above. I received a letter yesterday, August 8th stating reason for decline, insufficient cash: insufficient liquid assets to close the loan. Why would I be preapproved, have them do all the inspections etc and then without much communication in the next two months until close to the expiration date, declined due to lack of assets?

Prior to entering into this program, we had made several calls and requested that the monthly PMI in the amount of $355 be removed. We were denied that option due to the fact, our monthly mortgage payments had exceeded our 15 day grace period on several occasions. So we were trying to explore other options prior to entering into this home retention program. Last thing we want is to lose our home.

After several calls to customer service to check the status of our application we were finally approved. By way of Fedex, an agreement dated June 18, 2009, was sent from the HomeSaver Program stating that we did qualify and that as long as we met the payment deferral agreement which started 7/18/09-1/1/10 we are to make timely payments in the amount of $985.60. This reduced our mortgage payments nearly 50%. At no time during this trial period did we default. All payments arrangements were adhered to. Bank statements can be provided to prove this.

In the documentation that was provided by Bank of America, it stated that Bank of America would suspend any scheduled foreclosure provided we continue to meet the obligations under this agreement. Well at this time, as stated above, our account was not delinquent so this did not pertain to us. However, the agreement did state that Bank of America would hold payments received during the deferral period in a non-interest bearing account until it totals an amount to pay our oldest delinquent monthly payment. Again, with us going into this agreement without arrearage this did not apply to our situation either. So at this time, we felt that we were in a win-win situation.

Although, at no time did we misunderstand this agreement to mean that we would not be responsible for the arrearage that we incurred during the six month trial period, but instead we were falsely lead to believe that other options would be reviewed and considered at the end of the agreement. My husband and I would have never entered into a program that in the long run would take our home away from us and destroy our credit. We were lead to believe from the provided documentation that during this trial period that Bank of America will review our account for further resolution or assistance. Prior to the end of the trial payment period, we contacted Bank of America to find out what we should do from there because we never received direction as to what happens at the end of the trial payment period.

After an initiated call from us, it is documented that per the customer service representative that we continue to make the trial payment until Bank of America told us otherwise. So we continued to pay $985.60. In March, we were notified that we were to resume our normal mortgage payment which again was $1886.00. So, we continued on with this mortgage payment. During this time, I continually called Bank of America asking if there was anything else we could do to have a more permanent modification to our loan because our financial status had not changed. The customer service representative stated that she would send us some additional documents that we needed to complete and mail back. Without hesitation we complied and sent everything back as requested by the due date.

On April 7, 2010, we received a notification from Bank of America stating that they recently reviewed our request for financial assistance and they regret to inform us that there are no available workout options for us based on the documentations we provided. So we were under the assumption that we had to continue to make our monthly mortgage payment in full, so that is what we did faithfully. On May 26, 2010, we receive another notice in the mail stating that there was a mutual agreement on a Special Forbearance on the account listed above that was allowing us some additional time to make our past due payments. It went on to say that they had not received the required payment from us, so therefore they must cancel the Special Forbearance effective immediately. This was something new to us, because per the last documentation and conversation we had with and from Bank of America, we did not qualify for any type of forgiveness or reduction in our mortgage.

So there again, we called inquiring about this most recent letter we received. The representative told us to disregard it because it was sent in error. That conversation lead to another and there again we were questioning why we did not qualify for any type of modification or reduction in our home loan, because nothing changed financially. How could we qualify to participate in the first program and with the same financial situation not qualify going forward?

To say the least, we are really struggling with just one income in our household, however, we still continued to pay the monthly mortgage payment. The customer service representative at that time informed us that it sounded to her that we would qualify for some type of reduction and she mailed us another package requesting financial documents. So, this makes our third time filling out this paper work. In the meantime, on May 18, 2010, we receive another letter from Bank of America that stated notice of intent to accelerate unless we could pay $12,549.65 on or before June 17, 2010. We called Bank of America again questioning this notice. We were told to continue to make our monthly payment and as soon as we receive the documentations for the "Making Homes Affordable Modification Program" that we needed to send that information back to them for review by the due date.

On June 14, 2010, we received the documents for the "Making Homes Affordable Modification Program". The deadline for us to supply all necessary financial documents was by July 14, 2010. This we did, again we are still complying with all deadline and restrictions as well as continually paying our mortgage payment.

Well as we do every month, I called customer service to pay our July mortgage payment and was told by the customer service representative that Bank of America would no longer be taking over the phone payments from us and that we needed to get a certified check going forward and mail our payments to BAC Home Loans, PO BOX 15xxx, Wilmington, DE 199886-5222 which we did. On July 30, 2010, we received our certified check back in the mail with a letter stating that Bank of America appreciates our effort to settle our account, however, it was necessary to return funds because it was not in the full amount of $12,549.65.

So again, we call Bank Of America back. From this point on, we have got nothing but the run around. We are transferred from one department to the next. I believe from the notes that I have been taken regarding this situation we talked to approx 4 different people on August 2nd each time having to re-explain the reason for our call. Finally, on August 2nd, at our request we are transferred to Mike who claimed to be the supervisor. He refused to provide us his last name, however, he did give us his employee # 9722.

Mike explains that it is our responsibility to contact Bank of America at least a few times a week to find out the status of our recent application to the Making Homes Affordable Program. Our conversation went downhill from there. As I explained to him, there is nothing in the documents sent to us that states that we should be checking the status a couple times a week. We were waiting as we always do from either Bank of America or the Making Homes Affordable Program on our status. I then asked to speak to his supervisor and was told that callbacks from his supervisor are done within 48-72hrs and as of today, I have not heard back from anyone.

Anyway, Mike goes on to explain that we still needed to provide one piece of documentation which was proof that we pay a monthly fee for home maintenance. This information was faxed to number he provided 888- with ID#31684 as requested. I called on August, 3, 4 & 5 to get a confirmation that the additional document was received. As of August 5, 2010, I was told that they did receive it and that our account is in review again for a loan modification. I was then told that we are still not to send the August mortgage payment to Bank of America. When asked what we should be doing with the money that we normally send, I was told to just hold on to it. So that is what we are doing.To our surprise today, August 5th we are served with a Summons for the Court of Common Pleas in Licking County stating that we are named as Defendants in a complaint in Foreclosure filed by BAC. The allegations under Count One state that the Plaintiff is asking for $163,909.32 at the interest rate of 7.75% from November 1, 2009 in addition to court costs etc.

First and foremost, we were in a written payment agreement as stated at the beginning of this letter during November 1, 2009. So, how and why are we being asked to secure payment in whole beginning at this time? Furthermore, why is our property being foreclosed on? Our loan did not go into default until we entered into this "program" that was supposedly designed to help not hinder us. We have met all deadlines and obligations set forth before us, in fact we are still in the process of being reviewed for a home modification which if approved could potentially reduce the interest rate on our loan, extend the term of our loan or delay repayment of a portion of the principal until the end of the loan still allowing us to afford our home. As you can see we are still hopeful.

I know at this point, no one is concerned about how we feel, however, I feel it necessary to say this. How could a government sponsored program that is designed to help homeowners during difficult times keep their property fail us so badly? At no point in any of this do I feel like we were negligent in any way. If you take a look at my husband's credit history with his mortgage payments, we were faithful to our monthly payments without default. Unfortunately, we were faced with some financial difficulties reducing our household to one income. We choose to take advantage of this program which at the time seemed to help "us" the home buyer, however, in the end it appears as if it has hindered us.

Our credit is not only ruined but we are faced with the possibility that we may lose our home. We are at a lost for words and we are asking for your heart and ear and if at all possible for a resolution to this nightmare. What we would like to see happen is a sound ear that can go into this without prejudice and mediate this situation. We believe that all of this wrong doing has been done without just cause and we would like for this to made fair and reasonable in any way possible. As explained earlier, there is an extreme lack of communication between departments as if one doesn't know what the other is doing.

There is so much more to this than I can really put into writing, however, I have taken down names, dates and numbers of those representatives from Bank of America and any of it's affiliates that I have spoken with over a period of time. I will be more than happy to provide any necessary documentation that you may need to assist me in resolving this matter. A copy of this is being provided to the Court of Common Pleas, Better Business Bureau, Federal Trade Commission, Attorney General, Consumers Affairs as well as several media resources. I do not believe that this is fair and equitable treatment on behalf of myself or my family. Possible Foreclosure as well as the mental anguish that we have dealt with over the past months. Thanks for listening.

On July 15, my realtor informed me that the deal was not closing because BofA had not processed the loan. She was told by David F. at BofA that the bank decided to close all of the "government rebate" mortgages first, but that my buyer's loan would go to the top as soon as those loans were finished. The following week, I was told that the loan was held up once again because the buyer needed to provide proof of child support and that she did the day it was requested. We set another closing date.

That date came and another excuse from BofA - something about everyone in the Jacksonville office walking out and more documents still being needed from the buyer. Once again we were assured that "everything was fine." Once again, we set a closing date, today at 7:30 AM EDT. Once again, no closing. This time, I was assured that the underwriter has the loan, but no one call tell me or the buyer what is going on and when or if the house will go to closing.

The constantly shifting explanations for the delays and the inability or unwillingness of BofA to expedite and finalize this loan are causing me emotional distress and are costing me money. Had I known that this company was going to mishandle this loan, I never would have contracted for this sale. While I do not expect that BofA will approve every loan for every buyer, I do expect that pre-qualification means more than BofA will accept an application. I also do not expect BofA, or any other bank for that matter, to take almost three months to approve a loan or close on a house. Most importantly, I do not expect BofA to continually fabricate excuses to explain what I can only conclude at this point is incompetence or negligence in processing this loan application.

My conclusion thus is that BofA treats its customers with such disrespect because it is not only "Too Big to Fail" but it is also "Too Big to Give a **." As of today, I have paid 20 days of interest, taxes, and insurance that I should not have had to pay. With no closing date, I face the possibility of having to put the house back on the market. Since I have moved to my new home, putting my house back on the market will mean an unknown amount of additional monies for principal, interest, taxes, and insurance.

I have contacted Bank of America numerous times trying to understand how going into a forbearance agreement voluntarily has now put our home at risk for foreclose. There was nothing stipulated in the paperwork indicating this. They told us to apply for the Making Home Affordable Loan Modification Program which we did not qualify for. We received notification on July 30th that they are looking at other options. We do not understand how they can offer a program to help a homeowner only to use it to now foreclose on their home. If we knew that we would be at risk for foreclosure, we would have never participated in the forbearance program.

We need help! Our home is about to be foreclosed on!