Bank of America Mortgage Reviews

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

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

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

Good luck to all of you out there.

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

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

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

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

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

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

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

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

Helpless!

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

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

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

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

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

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

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

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

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

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

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

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

We are being harassed on the phone with automated calls and we get letters every day stating that our application was in review--when it was contingently approved already and we opted out. Now, they claim that we owe them more money.

I am at my wits' end here. Foreclosure notices and credit scores are compromised and I am getting real sick over this, especially since we were never, ever late on a payment with this mortgage. If this continues, I am getting a lawyer. Find a way to pay your mortgage without their help, they will pull you deeper.

In the past, they have threatened to put on additional insurance because I didn't show proof of insurance initially. The insurance was there at closing and they have the insurance company's information but I am to blame if they can't keep their own files straight. For the first 2 years of the mortgage, we made an extra monthly payment to retire the mortgage early. Once, while fighting with the customer service representative over an increase of $200 per month because of escrow shortfalls, I was offered $2,300 from escrow because these extra payments went to escrow and there was too much in escrow! So much for justification for increased payments to escrow!

After 30 minutes at my bank waiting for a successful fax, I called to tell them that the documentation had been submitted. I was told that I would have to call back in 24 hours (it's Friday) because faxes are not received for 24 hours. Also, it would be another 3-5 days before the funds would be refunded. Their system should not allow double payments. Their system should allow account holders to see scheduled payments from their account.

Last year, they were not allowing me to make a payment because my annual house insurance wasn't paid--even though they were responsible for paying the insurance out of escrow. It took me two hours with a B of A representative on the line to set up an on time payment! Two months later, I received a note from the insurance company requesting payment. They had the nerve to tell me that the insurance had not been paid because they had just received the notification. The ordeal two months earlier proved differently. B of A either can't handle the number of mortgages that they have or they have no interest in doing so.

I may lose my home to foreclosure. I have never been late or missed a payment until August 2011 in the nine years I have owned my home. What is up with Bank of America? You obviously are not taking care of the Americans that have entrusted you with their lives! We have bailed you out, why can't you bail us out?

I called another Bank of America loan officer and he said they should not have worked with me from the beginning because I didn't have 80% loan to margin, but they must have FedEx'd 6 copies of the loan procedures. They said I had too much money and was denied.

Then I tried to get another loan on my rental and it took another 3 months. And they denied me today because I don't have enough money. Even though I have a Schwab account, because I haven't used the funds, and even though I have the money, they denied me. I don't fit the guidelines.

Our good faith attempts to repay these late payments plus our monthly mortgage have been returned to us if not paid in full. One payment was $37 shy of a full payment and the gentleman on the phone accepted the payment only to have it returned to us the following month. During a conversation with a representative in a local Bank of America branch, I was advised to always get someone on the phone when making the monthly mortgage plus a partial payment. This would ensure that the partial payment is correctly applied to the late payments and paid to other accounts or CD's (of which we do not have).

So, every month, I make a call and though I am an authorized user on the account, only twice have representatives been able to verify that they have my authorization on file.

Today, I called to make the monthly mortgage plus an additional full late payment and found that last month's partial payment is being returned to us. When I asked Marvin why, I was informed that he was not authorized to share account information with me unless he had verbal authorization from the home owner. I asked Marvin to check the notes because I am on file. He refused to check the notes and refused to speak with me further.

From 2004, I had two mortgage loans with Bank of America. In December 2010, Bank of America changed the account numbers of those loans and never sent us mortgage payment coupon to make a payment for January 2010. However, as we always control to pay our bills by the due date, on December 18, 2010, we went to make payment in person to mortgage loans at Bank of America Atlantic and Garvey branch, Monterey Park, CA 91754. The due date of those accounts was 01/01/2010. Our check #** with amount of $1,135 to loan account # ** and check # ** with amount of $131.91 to loan account # **. All new account numbers were written clearly in front of the checks.

We did not know how careful that Bank of America handled the job. They did cashed out my checks, but still sent me a notice dated 2/02/2010 stating that our payments were not received and a late charge in the amount of $56.78 were charged. Since that day, we’re attempting to make many and many calls to Bank of America for the reviews of our accounts. Spending a lot of time waiting on the phone, explaining and complaining to Bank of America staff. And Bank of America has asked us to fax all verification of payments. On 2/26/2010, we had to fax all receipts, copies of payment checks, and an explain cover letter to home loans payment research department.

Finally, on 4/15/2010, we called Bank of America (home retention appropriation for BOA/CA and customer services/mortgage department /CA) and, thank God, we were told that we had zero balances for our 2 loan accounts, and the late fee was already credited.

We also requested that Bank of America correctly report to the credit bureau that we did not make late payment and sent us a letter stating that this issue were clear. However, Bank of America has never taken any action. We never received any letter and our credit has been badly hurt by this incorrect delinquent report to credit bureaus, which seriously and badly affected our credit scores.

We wonder why we have to waste our money, time and to suffer for Bank of America’s fault. We now inquire that Bank of America send us a letter stating that the payment delinquent issue occurred in January 2010 is their fault and that bank of America has to report and request the credit bureaus to correct our credit scores as soon as possible.

After discussion with the dozen or so customer services representatives (who have absolutely no idea what they are talking about and no extension so you have to explain yourself dozens of time which makes your calls 1 hour to 2 hours long), I found out that I had to do another modification because my first modification was a trial! So when I sent in all my paper work again, after being in foreclosure I was denied a modification, my house payment went up $20 and I now owe more on my home than I did before they put me in foreclosure.

I have contacted a lawyer and he said they will never give me the modification because my home may be worth more but my taxes say different and that is what they look for. I now cannot afford my mortgage because of a health condition. The lawyer has advised that they will never work with me and will keep raising the mortgage.

I am now living off of $27.50 a month, which is what is left over after I pay my bills, that is if they even get paid. I am trying to go through a private owned bank to see if they will listen to my story and they will give me a mortgage.

Last month, we got five calls from them between the 5th and the 12th when I made the payment. They started calling again this month. If my payments are not late, getting calls to demand payment is causing us to be stressed!

After setting me up with an escrow account and making a few tax and insurance payments, they denied me with no reason, other than stating I didn't show enough hardship. Now, I owe them some $3,000 for payments they made on my escrow account. It turns out, they stopped paying taxes and insurance and I got notification of cancellation on my insurance. They said that since I didn't qualify, they don't pay current escrow amounts, only the ones racked up over those 2 years. So if paying my mortgage was difficult, now I owe $250 a month more. I went to my local branch, called home loan division, and after complaining to 2 people who just said "sorry", I asked to speak with a supervisor, who was gracious and probably knew the extent of liability of their shoddy loan mod practices, agreed to pay the current escrow charges and apologized up and down.

I tried seeing if B of A could at least adjust my interest rate for some help. "No way," they say, "too much under water." I think it is criminal how B of A treated me and has ripped people off. I think someone ought to file a class action suit. I have no option but to continue this hardship of paying $1,400 a month for a house that is half the worth from when I bought it in 2006. I either put up and shut up, or walk away.

Now, in August, they declined my application and want me to reapply. I am current on my mortgage now but they have no easy program to lower down my interest rate, even though lower rates are available.

Finally in June, I received 2 FedEx packages. I returned all of the paperwork within 2 weeks. Several weeks later, I received a phone call from Jennifer ** and was advised that she would be handling my modification, but she didn't receive my cover letter. I was livid and explained to her that I returned everything that was requested and the cover letter was the first page. I told her to check the package, but if needed, I would resend everything to her as I kept copies. She went on to explain that the documents were scanned from a different department and she had no control over the missing documents and asked if I could fax them. I told her no, I could email them so that I could eliminate the middle man and have proof that she received everything I sent exactly as I sent it. I resent her the documents, she said she didn't get and the other things she asked for.

A few days, later she called me again stating she needed the 4506t. I then told her she needed to look for it. I reminded her that she had already confirmed she received that in the original FedEx package. She placed me on hold and came back to say she found it. She stated she had everything she needed and would be forwarding the file to "quality control" for review. Almost 2 weeks later (August 24, 2011), I received another call from her asking for a different more recent utility bill and 3 letters of explanation and stating I had been scheduled for foreclosure on September 6, 2011. Needless to say, I came completely unglued because this means they had been taking my money all this time and only sent the modification papers out when they were in the final stages of foreclosure and appeared that they never intended to offer a modification.

I also advised her that I had not received any foreclosure notices from them or any attorney as required by law. I also explained to her that I had not received the newest electricity bill as of yet but I should be receiving it any day and I could send her the explanation letters immediately. She stated she needed everything in order to postpone the foreclosure so send it all together. I advised her that it would take a few days to get the electric bill, but I should have it to her in no more than a week. I received the electric bill August 29, 2011 and sent all four documents (via email). Within that email, I requested that she contact me to confirm that she received the documents, confirm that she has postponed the sale and to update me on the status of the foreclosure.

I called her and left messages from the 30th of August till September 1st. I also re-emailed her the documents and sent several other emails daily for an update. Finally, after no response, I attempted to reach her supervisor via other departments. August 31th, I spoke to another supervisor in a different department named Ryan, who advised me that the modification had been closed August 29th due to not receiving the requested documents. He stated he couldn't give me any other information at all. He stated he couldn't give me her supervisor's name, phone number or email address and there was nothing he could do to help me. He stated he could email Jennifer and her supervisor and I just had to wait and see if someone would call me back.

I went on to explain to him I'd sent this info that very day via email and of course, it was not that hard to prove. I also advised him that my next step is to hire an attorney because this bank is still not handling foreclosures properly and Jennifer ** has mishandled my modification and I was not just going to take it. I waited 24 hours and got no response, so I called again and got Ryan again. I then told him that I wanted to speak with his supervisor. After a 15-minute hold, I got Christine. I reiterated everything to her again and she at least gave me the name of Jennifer's supervisor and stated she would email her but couldn't give me her email address or phone number. I also advised her that I had an appointment at 10am, Friday morning with an attorney and that my intention is to file a lawsuit for fraud. So she needed to have Ms. ** call me before then.

The next day, I began calling BOA at 8am. I was transferred to 4 different departments and spoke to more than 8 people. I was finally transferred to a different representative in the loan modification department who stated that the foreclosure date had been changed to October 4, 2011, but that I definitely needed to speak with Ms. ** and gave me her direct phone number. I called, left a message and shortly thereafter, I received a phone call. She advised me that she had spoken to Jennifer and she had not received my email. I advised her that she did and she opened it and that she had ignored both voicemail and email messages.

She requested that I send her every email I had sent to Jennifer and she reviewed them and verified that I had sent everything that was requested. Then she requested that I resend the electric bill as I had only sent the first page and she needed every page. I sent that and she called me back a short time later and stated she still could not reopen the modification because the utility bill had a past due balance. She then told me that I needed to send her proof that the past due balance was paid before she could reopen the modification and that the sale was scheduled for September 6, 2011. I then told her I would be seeking legal counsel as this just doesn't smell right.

After researching the laws, I called BOA back and asked for the information for the attorneys that are handling the foreclosure because my research indicated they were supposed to send me notice of the sale and had not done so. I was given the name and phone number for Whitney ** and upon calling her, I was advised that the foreclosure was rescheduled to October 4th due to an error. This is ridiculous that a person has to fight with a lienholder they did not choose in order to keep their home. I'm now seeing that with this arm, I was set up to fail from the beginning and they have been taking my money all this time and this bank is not going to do anything to help me.

I told them that I wanted to see about doing a loan modification or whatever they could do to help us. This was because I am disabled, and I had not had an income since October 2007, and the only source of income was my husband's paycheck. After speaking with them in great detail, I was assured that they could help. I provided them with all the requested documents they needed (this was done several times from September 2009 to present). Each time I called to check the status, I was given a different story as to why we had not heard from them ( I have about six inches worth of paperwork to show our efforts). They would tell us that it is at the Underwriters and that they were waiting on this or that, and needed more documents from us, which we would always send, even though we felt it was unreasonable to keep asking for documents. We were even told once that they had lost it and another time that it had got placed on the bottom of the stack.

Meanwhile, our mortgage and other debts continued to get further behind. Our debts are way more than our income, which we had proven time and time again (two incomes worth of bills being paid with one income-you do the math). For two years, they kept dragging us along and promising that they would help. Then, the next thing we knew, they wanted to foreclose which was odd, since they kept promising they were helping us. We told them that we needed our home, as we have a 5-year-old and I am disabled, and we had nowhere else to go. They told us that as long as we were paying something, we would not be foreclosed on, of course that is another of their many lies.

I have begged for them to help; requesting any kind of assistance that would allow us to keep our home. My disability hearing is in October 2011, which I told them, and if I am awarded my disability, I will be able to pay the past due amount and bring it up to date again. After putting us through all that for two years, they said that we did not qualify for the loan modification, which I find hard to believe based on our income, debts, and my permanent disability. When I tried to access my mortgage information online, like always, they have blocked it where I can't view it. I sent an e-mail to them about this, and they sent an e-mail back and said I would need to call the foreclosure department, as they were now handling this account. I didn't think that they could legally keep me from getting my account information, but they have.

I have never heard of a company like Bank of America Mortgage that continues to treat people as poorly as they do and remain in business. They have so many lawsuits, several of which are class action lawsuits, that they will be in Court until the world ends.

I hope this complaint gets read by someone who has the authority to help me as well as others who have worked hard to have what they have, but due to disability or other unforseen situations, are having difficulty getting help from Bank of America. Someone needs to review these mortgages, as I do not believe that they are following the legal guidelines that they should be following, especially those pertaining to loan modifications or other federal programs.

We were told that we could make partial payments, which we did in the month of August. Then, the payment came back to us the day after we made the second half of the payment on 15 Aug (all done with BofA online bill pay). I called Customer Service which sent me to their collections department. The supervisor stated that BofA stopped taking partial payments back in May. I was not made aware of this when I called the mortgage department in July and asked if I could send in partial payments; they said yes.

The supervisor in collections also stated that the payment I made the day before could be sent back at any minute so I could either raise the check that I received back to the bank and make a full mortgage payment (which I did, and they had to call the Mortgage Department) or I could wait until they return the second payment. I asked why and I was told that I could make a partial payment and was told that she could not speak for another BofA employee. She also was rude and she refused to listen to me. She stated loudly and rudely, "You cannot afford your mortgage payments." I asked who the operator was, the number and what the notes stated previously.

This was not what was conveyed to the operator in the Mortgage Department when I spoke with her in the beginning. I believe that the collection department cannot see what the mortgage department writes in their notes. Anyway, on 16 Aug 11, I received a notice of intent to accelerate and the date in which they needed all monies to stop foreclosure was 15 Sept 11 (the date we could come current on mortgage and late fees). What a waste of BofA manpower if they would have just worked with us in the first place. And we just wanted to pay, not even get a modification.

Now, they have sold our loan to Green Tree. We are still one month behind and we need to make the August and September payment (it is now 2 Sept 11). We have not received our "Welcome Packet" from Green Tree as stated in the letter BofA. We have tried to call Green Tree to get an account number and an address to send payments and they refused to give us this information until 30 Sept 11, at which time, according to the terms of our loan which was transferred to Green Tree, they have the right to foreclose.

I am trying to find out if there is a way to make a payment before 15 Sept 11 as we are able to make the payments current a little early. The day after the sale of the loan, ironic. All this man power time wasted was because BofA department cannot talk to each other and because BofA did not work with a loyal customer. All of our banking is through BofA, but not for long.

I continued with the trial plan until on 10/31/09, I spoke with an agent requesting modification and she stated I would be better off with a new program which I complied. The agent came up with a payment of $3,453.14. On 11/03/09, I faxed over the requested documents; last 2 months bank statements, last 2 months pay stubs, 2008 taxes and IRS form. I did as instructed. On 11/18/09, I talked with Dorez, she stated that modification is going through at $3,453.14, my fax had been received.

During the next 19 months, I have had conversations with BoA multiple times per month, with me asking how is loan modification going or do you need anything else? Most of the time, I received the same answer, nothing was needed at this time. There were times every 3 or 4 months, they would state that they needed updated information. Which I complied with. In February of 2011, I received two letters requesting updated information including last 2 months bank statements, last 2 months pay stubs, 2010 taxes or P&L, and IRS form. I spent 2 weeks, after work hours, completing my bank account reconciliation to provide an accurate P&L. The information on the first request was due on February 30, 2011 not February 28, 2011. I printed my P&L on February 27, 2011 and faxed it over on the 28th. On March 4, 2011, I faxed the same information over to a different fax number.

On 3/22/11, I received a letter stating that I was denied because I failed to send requested information. After a couple of phone calls, I spoke with Rose. She stated that BoA scanned the two documents in on 3-01-11 and 3-08-11 and neither had the P&L. I explained to her how much time I had spent on preparing the P&L and I was sure it was in the fax I had sent out. Rose was helpful in that she would request an escalation and review of the loan. On April 4, 2011, after making my payment, I spoke with Gary and explained the missing P&L. He asked me to fax it with the recent PG&E bills to him and call back on the end of week.

After multiple calls of no new information, I called back in a few days. I spoke with Anthony on April 23, 2011 and he suggested I apply for a new In-House Trial. I had placed multiple phone calls until mid-June with the same no additional information needed. On June 22, 2011, I called in a payment and spoke with Tiffany and got the same response. On June 28, 2011, my bank informed me that I had an EFT that was sent back because of insufficient funds. The withdraw was for $3,453.14 (the only EFT I have ever allowed for that amount was BoA). I called BoA and they stated that I had okay-ed the withdraw on June 15, 2011. I explained that my bank account on that day was at $1,400.00. I would not have given permission to withdraw. She stated that she is going to follow up with a recorded phone conversation and she will call back tomorrow. No one has called back. At mid-July, an agent stated that they could not take my $3,453.14 because I was no longer in a trial period and stated that they could not accept a payment for less than $5,700.00.

On the 16th of August, the phone calls started twice, sometimes thrice a day. Each time, either my wife explaining or me calling them back and explaining to yet another person. After over two weeks of this nonsense, I found out that they sent the initial payment back to me saying that they couldn't accept partial payments. The other, impound payment, reached them on the 29th as promised and now we are receiving nasty calls saying our balance is now $3,000.00 and changed.

I finally got a hold of someone that sounded as though she knew what she was talking about. She said she requested a stop on the check, would put the funds back and applied to our mortgage and reverse the late charges with no report to the credit reporting agencies. Well again, that didn't happen. Finally, on the 31st, after three phone calls from B of A, I demanded a supervisor. After speaking with Stan in Texas, I was informed that he understood and that the entire thing was started by the initial David person that didn't make the above mentioned notes in my file. August 31st culminated in receiving seven phone calls from Bank of America. I feel this is blatant flagrant harassment.

Now, they are saying that because the Treasury guidelines have changed, the investors rejected my modification because my ex-wife didn't sign the papers. She was on the original mortgage note. In the agreement, there is a provision saying that she doesn't have to sign because her interest was transferred to me via a divorce decree prior to the beginning of the modification application based on my financial information only. How can this happen?

Besides, I didn't receive any letter mentioning what they want but a call only. Their letter has a phone number to communicate with last date. But last two days, I've been trying many times to reach someone live without any fruit. They are deceiving customers, blaming customer unjustly and not taking care of the customer at all. To me, this is a very serious issue and important. I'm getting frustrated. I need them to straight my case and take care of it ASAP. They have my contact number, I left many messages to their Audix system but got no response! They have horrible customer service. They also hide any supervisor's or alternate number to follow up too. All they are doing tactfully and seems like intentionally, to hurt the customers badly.

Because of my injuries, the Illinois guard gave me a medical discharge. I was found to be unfit for duty by their doctors. Also, I'm retiring from my civilian job. I find it hard just to stay awake because of pain, medicines, and PTSD. I filed for disability with the VA 3 years ago on Dec. 09. I am still waiting for an answer. I've screwed up. At times, I wish I didn't have to put my family in this situation. They can't put up with my PTSD any more. I wish this would all end for me. God Bless all the vets who have to go through this. Sgt. William **

I was faced with a mortgage through Bank of America that, at the time, consumed most of my income and I now had no way to pay for it and my monthly utility expenses. My unemployment was less then the payment alone, not to mention needing to pay the utilities. So, I kept up as best as I could for about three months and I was falling behind as time went on. I tried paying the mortgage by saving all my unemployment for one month, then using part from another month. I would use the other half to try and catch up on the utilities. I was able to receive SNAP for food assistance; that was a huge help.

After awhile, the winter set in--and in Oregon, heating with oil fuel is not cheap. It cost the same as a gallon of gas. I wasn't able to afford oil so I placed space heaters around the house to keep my children warm. I'm a single mom and have five children under 16. Obviously, my electric bill went up a lot. Now, I was faced with trying to continue paying the mortgage the way I was or pay the extra heating cost.

By December 2010, my unemployment ran out so by mid January 2011, I went to the Department of Human Services and applied for the TANF program for cash assistance. By February 2011, I contacted a company because I needed help to save our home (I have a complaint about the company I hired, but that's another story). I hired a loan modification company to help me with my current mortgage company in lowering my payment.

Over the course of the next several months, I was faxing and sending documents after documents. I was always being told that I needed to send even more bank statements because the others were no longer current or that they did not receive copies of my 2010 taxes. I must have submitted the same documents five to six times. After awhile, you have to ask yourself, are they really not getting these things or are they purposely losing them? Are they stalling for time in hopes that I will get employed with a good job so, then, they don't have to help? I emailed, faxed, submitted everything that was requested every time to the bank and/or to the modification company I hired.

During this time, I was asked to find a job. I did everything they asked right down to get a job! I was hired by the Dept. of Human Services Child Welfare on 01 June 2011. And then, here it goes again. They now wanted copies of my paycheck, which I had to tell them that I don't have one yet. When July came and I received my first paycheck, I faxed it over along with new bank statements because the others are now too old. Then, they asked for my second paycheck. I don't have one yet. When August came, I sent them the second paycheck along with new bank statements because the others are too old.

At one time, I asked, "Why the hold up? Why is this taking so long? They said that it was because they couldn't see my child support being deposited but once a month. I told them that it was because the state was taking it as a reimbursement for the TANF program when I was not working. They knew that I was on TANF at the the time because that was the proof of income that I was using when I started this whole thing. Finally, I have submitted everything (as in all financial documents) again!

On Monday, 28 Aug 2011, I got a call from my hired modification company representative and she said that Bank of America is offering me $1,381 as a payment. I told them, "How can that be a help when my original payments were $1,378?" She said, "They lowered your APR to 4.62% instead of 5% and that payment includes your escrow account, too (which pays the insurance and property taxes)." I told her, "So did my old payment." She responded with, "You know you are behind in your payments," as if I should jump on this offer. My thoughts running through my head were, "Really? Why do you think I hired you?" I ended the call when she told me that it was their best offer.

How could I give her an answer when I was disturbed by the news? Bank of America's best offer was to increase my payment. Bank of America told me that they were going to try and put me in the the program, "Making Homes Affordable." So, my question is, how did Bank of America's offer make my home more affordable? The payment already consumed most of my old income and I now have a new job that earns a little less per hour with no bonuses like the last job. But now, I get to pay a higher monthly payment.

The modification company representative that I was dealing with said that I barely made the 30% income needed to qualify for the program, which is a proof that I'm already under the poverty line. And Bank of America's best offer is 4.62% from 5% which also increased my payment? They dragged this out on purpose, I'm sure. They are taking advantage of the fact that I'm a little no one with limited resources, I'm sure. If I had money to afford an attorney, I would have gone that route first.

But, at the time, I had no job insight and I wasn't sure how I was going to keep the heat on in the house, let alone the water. I had already canceled the cable (out here in Tillamook, if you don't have some kind of cable, you are out of luck because there is no air signal). Not to mention that I had no knowledge of how to navigate through Bank of America's red tape to get a modification. There are a lot more details to this story. I emailed my modification company representative today and told her that the answer is "no." She needs to be my advocate and get me a better offer. My opinion? That offer was a joke. I don't think Bank of America's offer was what President Obama had in mind when he set up the loan modification. This is just more proof that a large bank can take advantage of the small consumer and call it good.

While deployed, BOA took two house payments out at once. After much complaining, it was returned, but not for 20 days! In the meantime, TB&W tried to debit our account, nearly 6 months after our loan was "transferred" to BOA. Well, the payment bounced of course. Thank God as we would have never gotten these funds back from TB&W. Our bank USAA refunded the NSF fees. On top of that, it is apparent that our escrow was never transferred to the new account. And we were never issued one of those fraud escrow checks from TB&W.

Regardless of your political persuasion, we, as Americans, have been victimized by these robber barons. Just look online and you will find complaint threads, hundreds of entries long, from people regarding these issues of foreclosure and homelessness. Fight tooth and nail folks. Join the class action lawsuits popping up all over the place. If I happened to come across with the CEO of BOA or TB&W on the dusty streets of Baghdad, they would be considered an unlawful combatant. And my use of force would be less than judicial.

August of 2011, I received a check in the mail from them saying it was not enough to make our monthly payment. I always pay enough to make the payment! After I called, they informed me that they had been taking our monthly payments and putting it into a partial payment account and not applying it correctly as a monthly payment and so we have been running a month behind for who knows how long and charging us late payment fees.

No one is helping us. It is not customer services problem. The modification department won't fix what they did. It is not the credit department's fault, yet they are all Bank of America and that is with whom we pay monthly.

Not right! I promised to pay a monthly payment for our mortgage and we did, yet they ruined our credit for it.

I had already been ripped-off my different companies for loan modification. I almost didn't go with CPAC Non-Profit Law Clinic for that reason. I am glad Mr. Gary **'s assistant showed me other stories of people they helped in my situation. Because I hired CPAC Non-Profit Law Clinic to sue Bank of America, I got my house back into my name, and all of a sudden, Bank of America now wants to give me my loan modification. If anyone is in the same situation as I was in, CPAC will give you a free Lender Fraud Analysis Report on your loan if you go to www.SueBofA.org. I am Isidro ** from ** and I got my house back because of CPAC Non-Profit Law Clinic.

The night of the closing, I noticed that two mistakes were made on the HUD: 1.) I was charged $3,503.40 for transfer taxes, when I was promised a CEMA loan with no transfer taxes. 2.) I was charged $1,963.20 for the 4.75% interest rate, when I was only supposed to be charged $1,210.93. (I was supposed to be charged for .625 points, but I was mistakenly charged for 1 point.)

Despite the mistakes, the attorney at closing persuaded me to sign the papers for two reasons: 1.) He told me to call Bank of America the next morning. He confided that Bank of America waives transfer taxes all the time. They would not want to risk losing my loan. He also told me that just that morning, the attorney attended a closing in which Bank of America waived all of the closing costs. 2) I would have three business days to file a right of rescission, so there would be no risk.

Against my better judgment, I signed the papers as the attorney advised. I called Bank of America the next morning and spoke to Yoshi ** (the loan officer I have been working with since April). Mr. Yoshi ** understood the mistakes that were made and that I should have received a CEMA loan. He was going to try and contact a manager to get my loan taken "one step back". (It was the Friday of the July 4th weekend, and I guess managers were few plus far between.) He also told me that if I did not hear back from him by Tuesday July 5, to definitely file the rescission papers.

But I did hear back from Mr. Yoshi ** a couple of hours later. He said that Melvin **'s manager Missy ** was on vacation, but he was able to get in touch with covering manager Jason **, and he was successful in getting my loan taken "one step back". According to Mr. Jason **, the closing papers would be "shredded" and it would be "as if the closing never happened". Mr. Yoshi ** has proof of this conversation.

I asked Mr. Yoshi ** if I should still file the rescission papers anyway, but he told me no. If I file the rescission papers, he said that it would void the entire loan, including all the work that was done over the past two months leading to the closing, and we would have to start over again at square one.

Throughout the month of July, Mr. Yoshi ** and Mr. Melvin ** continued to work on getting me the CEMA loan. I received a refund for the check that I had written out on the night of the closing. Bank of America was having trouble locating my original note, so on July 27, Mr. Melvin ** called me and offered to waive $1000 of my transfer taxes if I were willing to move forward with my loan without proceeding as a CEMA. I politely declined because I wanted the CEMA loan that I was promised.

Two days later, on July 29, my loan was funded. I don't know how that happened as I was assured by Mr. Jason ** that my closing papers were to be "shredded" and it was to be "as if my closing never happened".

To this day, I have been unable to obtain any kind of recompense from Bank of America. Missy ** (Melvin **'s manager) has been less than helpful, stating that a mistake was made, I should not have been told what I was told, and they cannot ignore signed documents. Jason ** has not returned my e-mails. I have also left a couple of voice mails for Norman ** (Missy **'s supervisor), but he has not returned my phone calls either.

I feel as if I have been defrauded by Bank of America.

I'd sent the required documents just like everyone else has explained here. They requested duplicates and updates. When I called, I was transferred to this department and that department. Several times I was transferred to someone overseas who didn't have a clue; one, so called customer service representative started to cry and apologize and other times, I just ended up disconnected. The second try at sending documents went just like the first, I gave up. I have a sub-prime Countrywide originated loan that is set to readjust in a year and recently because I didn't respond to a third request for documents from BoA. I was denied a modification that probably doesn't even exist. I almost lost thousands of dollars in scams ready to take my last cent to save my home and actually do nothing.

What is really bugging me here, in addition to a possibility of losing my home to these thieves, is how a street thug can get hard jail time for snatching purses from old ladies and these corporate thugs get bailed out without permission from anybody. It looks treasonous to me. Where are the disgruntled masses, the public outcry? Sadly, two of my neighbors foreclosed; their homes sit empty now for months/years. This is a nice neighborhood, nice hard working people and it radiates out across this country and has affected the whole world economy. I don't know what's going to happen. My options are stalled.

Our mortgage is $2,000 a month and we're almost $100,000 "underwater". The dirty, sleazy secret is that B of A does not want to work with you if your home is Federally insured (like ours). They have already squeezed almost $150,000 out of us. Now they will foreclose and rip off the taxpayers for the balance of our loan. Aren't you glad we bailed out all of the banks?

Then finally talking to an Agustina **, she said email the paperwork to her and she'll take care of it. I've been talking with her for four months or so and everything was looking great. She said paperwork is with under rider and should get paperwork any day after we call once a week.

This time we called, someone else has a different story from this person who said our house is set to be sold on Sept.15, which is two weeks from now. I have had three heart attacks and probably have one more before this is over.

I applied for a rate modification in June of this year. I faxed and emailed all the papers into the office within two weeks of the initial loan date. I never got a call back from the loan processor and was told she was on vacation many times.

After sending many emails and voice mails, after getting the appraisal and paying $400, they now say they did not get the documents quick enough. Bank of America employees told me that they are very quick about returning phone calls. I have left 20 voice mails to four different people and I can not tell you how many emails I sent, and still no one calls me back. It's been two months and nothing.

My initial mortgage payment was $181.00. This included taxes, and homeowners insurance. By the time I was contacted by Countrywide, nearly a whole year had passed, and I was instructed to pay 332.00 monthly. This was a big difference from the 181 that I was initially paying. Because I had entered into a 30 yr contract, I felt that I was obligated to make these payments. I started making the increased payments but was sometimes late with the payments. In the beginning of 2009, I lost my main source of income and fell behind on my payments. When I received my income tax, I paid my mortgage through the month of July hoping that by then I would have found full-time employment. With the recession, I was not able to. During this period, Countrywide was taken over by BAC Home loans. I spoke with them and was told that I needed to submit paperwork for a loan modification. They updated my financial history and said they were sending out a modification packet and told me to sign and return. I never received the package despite numerous calls regarding not receiving it. I was told that they saw where it was suppose to be sent out and that they would escalate a package. This went on for several months.

In the meantime, they would not accept any payments. I went to a housing counseling agency and gave permission for them to discuss my information. They finally faxed a modification to the agency. We completed the packet and was told that I did not qualify since I have submitted two more modification application, and have not been contacted by Bank of America regarding the modification. When I call, they say I was not approved for the modification.

So, I started paying the modified rate as that is what I could truly pay. I didn't hear anything from BOA for a couple of months so I called to see where I was in the process. This is where the lies and deceit start. "We never received your paperwork," they told me. I was told that it would be another two to three months to be processed. Two to three months later, I was told that I was denied because they "couldn't contact me." Apparently, they didn't think to mail me at my house or call on the number that I listed on the modification application. Instead, they called my old fax number. After not being able to reach me, they "dropped my application" and I would have to "start the process all over." At this point, I was $7K behind in payments (including all the late fees). I got a hold of a "customer service representative" who was "appalled" to hear what I had been through. She promised to personally take care of this. I had to reapply and start all over. At this point, I needed this to work as I had dug too deep of a hole to crawl out.

After about a year, I received a phone call that I was denied again because my loan was actually through Ginnie Mae and that entity was no longer participating in the home loan modification program. When I asked for their contact information to verify this, I was told that she (agent on the phone) didn't have access to it. Once I receive my denial letter, which would take a month to get, then I could reapply for an in-house loan modification. But, I was informed that BOA doesn't follow the same income to payment ratio rules that the federal program does. And, it shows that I have $44 left at the end of the month so I can technically afford my mortgage. So, if I get approved for in-house loan modification, it will be the original amount plus all the remaining late fees and unpaid balance. At this point, I stopped paying my mortgage and contacted a lawyer.

It turns out that my loan isn't even with Ginnie Mae; it is with Freddie Mac. I was recently informed that I am now almost 12 months past due and I better pay up because after 12 months, I will no longer be eligible for any modifications. I am a single mom. I just started grad school this week to get my masters so I can teach. I had an anxiety attack in the classroom today and I had to walk out after receiving a FedEx package that I know is a foreclosure notice. To me, this is criminal. I certainly could use some advise on how to handle it, both legally and emotionally. I have hidden the FedEx package and I wont open it until I feel strong enough to deal with it (scheduled for tomorrow). I haven't told my kids anything.

So I again spent a ton of money to purchase and send the documents. It's end of Aug. 2011, my closing date is Aug 31st and the bank is still playing games asking one document after another about the property. It has been an ordeal since the day I applied thinking it would be quick since I have been their customer for 6 years, had all my bank accounts with them, had a high credit score and excellent credit history. What amazes me is that the load is for just $180k (a very small amount compared to average house prices) and I have excellent finance records; but the bank seems to be more concerned about the property HOA itself than the borrower.

I would really appreciate if somebody could suggest a way to sue this bank and get back all the money I am about to lose for documents, attorney, advance title ordering, etc. The bank takes processing fee for name sake, it does not do a thing, everything the borrower has to do and all documents borrower has to acquire. FHA loans are supposed to help a first time buyer of home easily when down payment capacity is low but credit history is excellent, but in Bank Of America it's a big joke. There is a bunch of over smart officers in the bank whose only intention is to harass the customer and make them lose as much money as possible. I am surely closing all my relations with Bank Of America and going to advice my relatives, friends and colleagues to do the same.

This is a complaint! I have been told by several Bank of America customer service department representatives that this letter will not be thrown in a pile of correspondence letters, and I was assured that complaints are addressed in a timely manner. So I am putting my trust, once again, in the big black hole of Bank of America's many secret departments to handle my now 100th complaint!

I have been in contact with your Customer Service Department since November of 2009. I have on file at least 20 names of whom I spoke with and at least 11,800 numbers that I have been transferred to or have called. The only real 800 number that is consistent is the 800 number that every representative has given me which is to the Housing and Urban Development "HUD".

In July 2009, I lost my job and I contacted Bank of America to make them aware and to let Bank of America know my financial situation and my inability to pay my mortgage. At that time, I had zero dollars of income and was told that I did not qualify for the Making Homes Affordable Program. I could understand that because of my income, I was sure that I would get another job soon and catch up on my mortgage payments. I kept in touch with Bank of America to keep them abreast of my situation and in November 2009, I called Bank of America and was told by a Bank of America customer service representative that I was not adhering to the repayment plan that I agreed to; which was odd, because at the time I had never agreed to a repayment plan. When I was told that I did not qualify for a mortgage modification because I did not comply with the three-month trial repayment plan, I was SHOCKED to say the least since I never knew or agreed to the three-month payment trial plan.

In December 2009, I received a part-time job and I contacted Bank of America to start to make payments and I asked for forbearance on my back payments to try to catch up and I was told it was in review. After several months of talking to many Bank of America customer service representatives telling me that my loan was in review for a forbearance, I received a certification letter stating that my house was in foreclosure. I immediately called Bank of America and the representative told me that my loan was still in review and that the letter was a formality and to keep making my payments, SURE!

I then contacted HUD for help and a HUD counselor helped me to put a budget together and we submitted it to Bank of America for my shot at some type of help since I now had a full-time job and was able to make my payments and pay back my back payments. After going over my financials with a Bank of America customer service representative, I was told that I made too much money now to qualify for the Making Homes Affordable Program. He also told me that I could not qualify for a loan modification because I had too much debt with my student loans to be considered for these programs. Now Bank of America not only go by my stated financial and budget, but have pulled up my income to expense ratio from my credit report. I thought to myself, is this some kind of joke? At this point, it has taken me almost two years of my life to get back on track with my mortgage with absolutely NO help from Bank of America!

At the time of the call with Bank of America, I had the HUD counselor on the line with me and she could not believe her ears since this was the first time she had ever heard of this procedure; to use a person's credit report to look at income ratio to expenses for the loan modification. WOW, I just felt screwed again!

I couldn't BELIEVE that there was no help for me! So I called back and insisted that Bank of America review my income to debt ratio again since my student loan was in forbearance for two years and that my student loan had not even been activated yet since I was still perusing my education. After many faxes of my credit report and a statement from my daughter that I was a co-signer on her car and that her car was her expense, I finally was able to sign a contract with Bank of America stating that I would pay $4500 upfront cost for late fees and attorney fees, etc.and after the initial payment, I would have a year to pay all my back payment while still maintaining my monthly mortgage payments. A total of $2249.80 per month for the next 11 months. My payments began December 2010 and is scheduled to end November 2011!

I have made these payments consistently without being late each month since my contract began with Bank of America. Since then, I have been harassed by Bank of America Correspondence Department stating that they have not received my payments. After I called yet another Bank of America customer service representative each month and told them that I have made my payments, I am given the same nonchalant attitude, "oh those are automated letters" just disregard them if you have been making your payments. Are these people trained in telling you nothing, absolutely no information! All I ever heard from them is "I'm going to update your file, I'm putting this in the NOTES".

I know that I have complained to no end about Bank of America's customer service, but this is where I have hit bottom and why I believe Bank of America home loans has to held accountable for the stress that they cause their customers. On August 6, 2011, a server employed by ReconTrust, a business that Bank of America contracts with to place foreclosed homes on sale for auction, came to my home and posted a letter on my house stating that my HOME is set to go to AUCTION on August 26, 2011 at the San Bernardino Court House! This was the last straw! I called ReconTrust to find out what was going on and to assure them that I have been in full compliance with my contract with Bank of America to make all the back payments to date since December 2010. Their response was that Bank of America has not sent them the letter of postponement to close and bill. In the 9 months that I have been stressed out about this foreclosure, Bank of America has not sent the letter so that my house will not be put up for auction. I could not believe it!

I immediately called Back of America and spoke to another customer service representative, which was going nowhere. I then asked to speak to a supervisor and I was transferred to Alma. Of course, Bank of America will not give out the last name of the representative; it must be another Bank of America secret! She told me she would personally handle this and that she would make sure that the letter of postponement was sent to ReconTrust. It takes 48 hours to complete and be sent, she told me. She even told me to call within 48 hours and ask to speak with her to make sure that it was done. I hope that the person reading this understands my frustration when I say, why should a customer (myself) have to call a huge corporation which has been in business for over 100 years to see if they are doing their JOB! I am amazed at how Bank of America does business. I have never done business with such a large corporation that needs customers to call and remind them to do their job, wow!

Needless to say on August 17th, 9 days later I called, which was well over the 48 hours Alma had given me to call back. I called and was told that I could not be transferred to Alma. So I was transferred to another Supervisor "Crystal Ann" who told me that the letter was not done! Let me remind you that my house is up for auction on August 26th.

I need this letter of postponement completed and sent to ReconTrust immediately! Am I asking to much? Still to this day, August 22, 2011, the letter has not been sent. I wrote a letter to my congressman and even the President Obama about the laws that were passed to help homeowners save their homes and to tell them that the big banks that cannot fail are screwing middle class Americans out of their homes and, at the same time, handing these homeowners with the bill of the TARP bailout.

What can we do to hold these banks accountable?

Ten days later, I called California BOA. They were returning the check, just then, first-class mail to our home. The home where no one lives because it has no roof. I asked them why they didn't follow the instructions and they replied, "This is your address of record."

I called the Waltham branch manager to find out why he mis-represented the process to us and learned that this little weasel had been promoted and was no longer there. So here we are ten days later (20 days have elapsed since receipt of check) and the check is tangled or lost in the forwarding process.

Because of BoA, we cannot refinance and are stuck in a mortgage that we cannot afford. They Suck!

We began this process in June and each time, I submitted the requested documents in a timely manner as I was told that Bank of America has to have all of this information they need. After a few weeks, I was told additional information is needed. It is now nearly September and I was just asked for additional information, some of which we have already submitted. When I asked why underwriting did not do this earlier, I was told that Bank of America has to make sure their employees are taken cared of, therefore, there have been several employees taking their vacations.

While I understand your desire to maintain a strong work life balance for your employees, we are trying to retain a home for our six children. Until this summer we have never had a delinquency from our mortgage on our credit and so, some of this could have been avoided if our request was processed in a timely manner.

I will fax the documents I was asked, this will be done tomorrow morning. I ask that this request be processed by modification, streamline interest rate reduction, or forbearance, whatever can be done to assist us. I also request that this be processed by the end of business day on Friday, August 26, 2011.

I have also filed complaints with the same problem and proposed resolution with the BBB, OCC, and Consumer Affairs.

According to a Bank of America representative, we started the loan modification process on June 20, 2011 by faxing the bank statements, check stubs, tax return, a letter explaining the hardship request and indicating that my spouse has no income, and my check stubs to the attention of Isaac. Then on the first week of July, we were told that the documents had been received and Billy ** (877-447-4022 x**) would be processing the request. Also received a FedEx package on July 5th and immediately completed the papers and mailed copies of everything I faxed. These were returned by FedEx next day delivery.

I received a letter from Bank of America indicating that a proof of income for my husband was needed. I notified Billy again that my husband has no income. For the first time we were told that a profit and loss statement was needed. We faxed him the statement on July 14. Billy indicated that Bank of America now had all that they need to process the request and hopefully it would be processed within two weeks. Then I spoke with Greg ** who advised that the signature page of our tax return was not signed and underwriting needs a signed return. They also need another letter explaining the reason for the hardship request and a bank statement for July.

Tyila **

Beginning January 2011, we applied for home loan modification with the folks who always say, “we are here to help”. Right! Help themselves!

Ms. Yalonda ** was my contact via phone and email. Just like everyone here, we spend hundreds of hours on hold, on the phone talking, sending Fed-Ex, faxing, and of course replacing those missing documents that they always seem to loose.

The crowning blow came when Ms. ** insisted that we filled our tax form incorrectly and needed another one. I ask what was wrong with the one I sent and she said our zip code was incorrect. I stated she could correct it if it was wrong and she said by law she could not. I then asked the exact problem with the zip code of 92057 and she said that the seven looked like one!

As usual, they, no matter how stupid or dumb the statement, always win. I sent yet another tax form, which she received. She then told me that all my paper works were good and correct and that she will be forwarding it to the underwriters after which we would surely get a loan modification. Right! The very next day we received a letter dated a week prior informing us we 'did not qualify' and we were being denied a modification. From that point in the early spring, Bank of America has ignored or intentionally lied to us concerning any and all information of our mortgage. We have repeatedly requested a copy of our original mortgage paperwork between Countrywide and us. We have repeatedly sent numerous copies of our offer to re-negotiate our mortgage and resume payments.

We have, on many occasions, requested accurate information as to their refusal of a loan modification. All to no avail! Oh, they did acknowledge our letters, promising an answer within 20 business days. As with almost everyone else I 'm sure, those answers never arrive!

In early spring Bank of America sent a 'Notice to Accelerate', demanding a double payment of over $4,000. This was the last time we paid them, which did brought our account current. After they received the money, only then did they notify us that nothing changed and they were still going to foreclose on us. It is unbelievable that our country has been reduced to allowing dishonest business practices like this to be perpetrated against millions of us with no known recourse.

At the beginning of August 2011, my wife of 43+ years and I, filed for bankruptcy after exhausting every effort to attempt to save our home of over 22 years. Our attorney said “maybe” Bank of America will reconsider a loan modification after the chapter 7 is completed.

Countrywide, the organization that the loan originated with told me that I was not eligible for a loan modification due to lack of equity. In January 2011, I called the Bank of America Mortgage Servicing Department at 1-800-669-6607 to discuss my options due to financial hardship and short selling my home. However, I was advised that there was nothing that could be done until I had an offer on the house.

In March 2011, I was advised of the new HAFA program changes. I called back and my call was transferred to what I was told was the Short Sales Department at 1-866-880-1232. The representative from that department transferred my call again to another number, which is 1-877-863-9324. All of which continued to blind transfer me that results in repeating my name and telling the entire loan situation again. Then, I got disconnected.

I requested the numbers I was being transferred to and started asking for names. On 3/17/11, I spoke to Jim who informed me that the system was down so I should call back. I asked if I could receive a call back when the system is up. Jim replied that as soon as they are able to resolve system issues, they will have someone return my call. However, no one called me back.

In the afternoon of 3/18/11, I called back and was able to speak with Crystal. She said that the system was still down but someone would call me within 24 hours to initiate the process. Again, no one called back.

Finally on 3/21/11, I called back and explained my entire scenario to Patrick who instructed me to submit all the required papers. On the same date of my discussion with Patrick, I sent a fax (Attention: HAFA Short Sale Team) to 516-832-4999 and included all the required documents. Within 14 days after our discussion that I was told it would be reviewed by BOA underwriters. It was my understanding that it would take 8 weeks to disposition as it is related to the HAFA Program's Short Sale approval. Below are the documents included in the fax.

9. Dodd–Frank certification form

On 3/24/11, I called to follow-up on status. Tony responded and explained that my signature was required on tax documents. I explained that this was sent via fax on 21 March 21 2011. At that time, I was told nothing was required. Tony put me on hold. When he came back, he stated that everything was uploaded and an appraiser would be visiting the house within 4-6 weeks to determine the list price. So, I should call back in about a month.

On 4/22/11, my job with MGM Resorts was ended and I had the layoff letter sent through fax to the BOA. AMS confirmed receipt of the letter but I was told that my case was denied. The decision was made before I sent the layoff letter. Since they have a proof that I was no longer employed, I asked to reconsider my case. They said that all they could do was to open new case and include the fact that I was now unemployed.

On 5/4/11, I called back to check on status and I believed Rose told me a new case had not been opened. I was then told that BOA Short Sales would open a new case and transfer the documents to AMS for processing. Since I had been laid off from my job and all the required documents was uploaded, I was told that there should be no issue processing the case. So, I should give it about 6-8 weeks before I called back.

On 7/1/11, I called back to check on status and Andrea said that I was declined due the bank statements, which were not dated within the 90 day period. I indicated that when I called on 5/4/11 I was told all of the required documents was uploaded and nothing else would be needed to have an appraiser visit the house. She explained that my documents were never been transferred to underwriting. To complete the required documents, I sent them again the requested bank statements through fax.

On 7/25/11, I called to follow-up on status and spoke to Geno. He told me that the information was not only transferred to the underwriting, also, a new case was never been opened. I was shocked and asked what could be done. He said he would open a new case and I should go ahead and send via fax the bank statements again, which incurred me another fax fee. I was told that once the bank statements are received, there should be no issues and it should go to underwriting.

On 8/15/11, I called back and spoke to Tamara who said that my case was transferred to underwriting, but they denied the case because I was missing a signature on the 2009 tax documents and all of my other documents were now more than 90 days old. I explained that there must be an error because I had sent the documents five months ago and they had confirmed the receipt of those. I was told that it was my problem because I didn't send what was required and I should have called daily to check on status of my case. I said that I was told that phone calls should be limited so as to give the underwriters a chance to review my documents and make a decision. When I expressed my frustration about the conflicting information and instructions given to me, I was told that there was nothing that could be done but to start the process over again. If I wanted to be considered for the HAFA program, I was told to send all the required documents dated within the past 90 days.

Amervis **, formerly Amervis **

We went through the proper channels to have the bank pay off our then attorney M. **. The now incarcerated, ex-attorney, who stole from Bank of America under a line of credit loan fraud scheme (given to him to look the other way), left us with a federal case of fraudulent signatures. Judge Martin sent a warning that we would be back to fight the case because all the facts are clear to win! We just need an honest attorney to do so!

I have paid by mortgage for the past few years. It became behind on the property taxes and was taken over by BAC, which doubled my monthly payment due to loss of income over the past few years varying from reduction of work, lost of job, health and medical reasons. In lieu of these ups and downs, I maintained communications with Countrywide/BAC and made original agreed upon payments. In the month of June 2011, my payment was returned. I contacted the BAC and I was advised that I was not in foreclosure. Also, on that date, July 20th, my understanding was applying for a loan modification and a package was being mailed to me to be completed and returned after receipt.

After a few weeks of waiting for this package, I contacted BAC and they referred me to a nonchalant customer service person, stating that I had been placed in foreclosure. I had made payments each month, and made every attempt to keep BAC abreast of my financial situation, stating my intention was that I want to keep my house and I am willing to continue to make payments. They assured me that I was not in foreclosure.

Is there anything else I can do? This company, Bank of America, have breached their agreement and this is not fair. I want to notify others of these unfair practices.

The home is now vacant so BOA has placed insurance on the property in a ridiculous amount. It is over-insured substantially. Just yesterday, they mailed another Loan Modification Trial Period Payment Plan and a letter from an attorney confirming a foreclosure in process.

On a daily basis for two years, BOA's collection department calls us with their automated phone system. They continue to stall, confuse and deliberately harass our family and I have now filed an official complaint with Lori, the Minnesota Attorney General.

We are powerless to move forward and try to rebuild our lives until they foreclose. All the while, they have been reporting us late on our mortgage.

The first time our payment was late by two weeks, BOA sent it back two weeks later and said they could not accept it without late fees. I resent the payment including late fees. By this time, our next payment was due. So again they sent my payment back and said they could not accept it without the additional payment that was now due. This is how we got 30 days behind. I told BOA about our situation and asked it they could at least accept the payment that we did so we would only be behind by the current month instead of the 30 days. They refused our payment.

By the next month, we were now 60 days behind. We had two payments to offer BOA but were due three payments. So again they would not accept it. I talked to several departments and several unhelpful, unkind BOA representatives. But each month we got more and more behind, although we had all but one payment available in our bank account. We just could not come up with that last payment and all the late fees adding up.

Once the government came up with the Hope plan, we applied through BOA. We were told we needed to fax and Fed-ex our paperwork and we would have a decision within a couple of weeks. The woman we spoke with (and BOA's website) said that as long as we had been in our home for more than a year, it was an FHA loan and we had a major life even such as job loss or medical problems, then we would qualify. We fit all the criteria. We were told once we were approved we would get a lower payment and a trial period in order to qualify. We were told we would get the decision by the 21st of that month.

By the 21st, we had not received a call or paperwork. So we attempted to contact BOA. The first call, we got a machine that said they were closed at 8 p.m. EST. But it was 4 p.m. MST, which meant it was only 6 p.m. EST. We kept trying until finally got to a representative who said she could not comment on our case and she would transfer our call to the appropriate department. That transfer ended in a disconnected call. The next three calls were similar and we did not get to talk to someone about our case. The extension we had for the representative working on our loan always lead to voice mail and we would never get a call back.

The morning of the 22nd, we received a foreclosure notice on our garage door. The notice did not say they were about to foreclose. It said they had sold our home and we had five days to vacate. The notice was dated for the previous day, so that five days was already down to four. Every lawyer I called said there was nothing they could do. They said they had hundreds of complaints about BOA and nothing was being done about it.

Every cent we had we had put into making our house a home for our three kids. There was no help. We did not want someone to pay our mortgage, we just wanted the payments to be accepted. It is devastating to tell your three young kids that you have to move without warning. That was the home we planned to raise our kids. BOA has not just screwed home owners, they have torn kids away from their homes.

While talking to the loan manager, I asked if he thought the rate would go down. He said if I knew that, I would be a millionaire. I said fine, lock it in and he okayed it.

I was delayed because this housing complex had tons of legal nonsense to fill out. Like: if I ever sell it, 95% of the profit goes to them and other such things. When I finally sat down with the lawyer to sign the paper, it said 4.75%!

I told the lawyer that I had locked it in at 3.75% and this guy had obviously taken advantage of me, seeing that I sounded naive. This lawyer was in training and said I believe you but you'll never prove it so just forget it.

Later, I found out that not 1, but a number of my friends had the same experience with this same guy! I wished we could have made a court suit. I wanted to pose as a buyer and record him to catch him in the act, but you know how it goes, time goes on and we lose our drive and forget about things.

That's my story. I hope this guy is fired by now and has stopped swindling people.

When my wife called in July, they told her that the bank statements were missing. So she faxed 20 pages to them. They told her that since they may need the actual statements, she would have to order the statements from our bank.

After the bank charged us $12 for copies, I still have not heard back from them. They are giving me the runaround. I'm still paying my current rate, but am behind a half payment.

Days after they had received my August 2011 payment, Bank of America mailed back to me my July 2011 $4,974.97 payment taken out of my account for over a month, stating that I had made a partial payment. Apparently, I had made a 0.23 cents mistake and that was enough for them to threaten me with foreclosure.

Be careful of Bank of America. They are an unethical organization not willing to follow any legal procedures to fulfill its predatory practices.

A few months later, we received a notice that Bank of America had bought out Countrywide and our payments should now be made to "Bank of America, LP". In October of 2009, we start receiving phone calls from Bank of America saying that we were a month behind on our mortgage. We have tried on several occasions to talk with Bank of America by telephone to get things straightened out. We got nowhere.

As months passed by, we were still receiving phone calls 5 or more times per day until the next payment was paid. We were told by Bank of America to go to a local branch to get it straightened out. We went to a local branch twice. The first time, in 2010, we took copies of cancelled checks, etc. proving that all payments have been made and are up-to-date. We were informed that the information would be sent to Bank of America corporate office or headquarters to get it straightened out and that we would be contacted with the results.

When we did hear from Bank of America, we were told that we were still behind. We kept sending our payments on or before the time to assure that they were not late. We kept getting phone calls and threatening letters.

In March 2011, I sent a letter to Bank of America explaining to them the same things we had talked about to the local bank and what we had talked about over the telephone. I received a letter from Bank of America telling me that they received my letter and that they were looking into the situation and will get back with me.

Until this day, I have not heard from them about their findings on the matter. Now I have received a letter from Bank of America giving me till the 18th of August 2011 to pay a certain amount of money to bring my loan up to date or they will start foreclosure procedures. We know we are not behind like they claim and if they do start procedures we will take them to court.

Over and over, we put the loan numbers on top. Then we faxed it, and it wasn't received..whatever. After panic attacks, EKGs and trips to the hospital, I finally went to an attorney. The attorney explained that HAMP is an unenforceable law. I was also told that the banks do not want my house, but they love the PMI and FDIC insurance payout! In general, they are 80%, which at present exceeds the value of most homes. Not to mention, it's all a little suspect when a program emerges that pays people to do deed in lieu for about $3-5k.

Without missing a payment, we got a letter kicking us off the "trial". They were asking for the money they had "saved" us and $4500 in "legal fees"(huh?!), or else we'd be foreclosed. The letter gave us 30 days or else we'd face foreclosure action. By the way, most of our paperwork had less than a 2, 7 or 10 day turnaround time.

So, if the cases start going better, please give me a call! In NJ, it's dreadful how much deference the banks get. I wrote a formal complaint to Comptroller of the Currency. BOA told them they made me a formal offer, which was an outright lie. I told the Comptroller, with confidence, to simply request a receipt to show I got it by mail/ courier. They didn't even reply. It is amazing.

I asked for a $60,000 mortgage on an $89,900 selling price from BofA, only to be hassled for many duplicate and unnecessary documents by Loan Processor Mary ** and 3 other loan processors. We flew to AZ for the third closing scheduled for Friday 06/17/2011. Wednesday, 06/15/2011 was the day I saw my husband so anxious and upset because the closing set for 06/17/2011 was stopped for more of the same documents. We flew home to TX on Thursday, 06/16/11.

In the early morning of Friday 06/17/2011, I rushed my husband who has never had a heart attack to the local Emergency Room with a heart rate of 30-24, a pacemaker implanted within about 4 hours saved his life. The same day, Friday 06/17/2011, we received another package of document requests for the same documents that had been faxed to Loan Processor Mary ** by our local BofA many times. BofA charged my credit card $460 on 06/11/2011 for the Appraisal and Credit Check which were advertised as free if you financed through BofA. BofA has not returned the $460 although our local BofA is still trying to have it returned to us. I have all documentation printed. We gave up on 06/15/11 and amazingly, we found on 06/11/2011 that BofA had the property relisted while we were still in AZ. It has been resold as of 08/10/2011 for a lower price. Guess Mary ** didn't want us to have a second home. Thank you for listening.

Mr. ** also said that he was going to escalate the codes in the system (whatever that means!). Overall, I have no idea what is going on! Now there seems to be no notes on my account. I wonder why Bank of America would even allow their workers to delete any notes. Obvious! Well, I have all my emails, and BOA better get their act together. Why would you do this to my family? Get our hopes high, as just to kick us back down? Please, call me, or at least stop refusing my emails.

Last week (08/01/2011), they told us that we were denied because the paperwork has expired. They also told us that we need to reapply again for it. So, they sent out paperwork that we just got yesterday in the mail. Now they are saying it is denied again because we didn't get the new paperwork in time. Now they are not even allowing enough time to get the paperwork in the mail to file it out. We are now in default with the home loan again because we were told not to pay anything until they figured out modifying it, and completed the paperwork. Since they never got the paperwork finished, they are stating that it has expired, and we are going back into foreclosure. We will probably lose the house. My daughter already has paid $14,000 to catch-up with the house payment, which is what they told her to do, and then to apply for the modification which we did. A year later they are saying that it has expired, and it was denied because they never got to it in time.

After going through a lot of effort to get the amount, and paying them, I received the letter without explanation. Why did the Bank of America lawyer not send me the letter, or email me if the amount they gave me was wrong? I am physically and mentally stressed.

We were set up with Bill Pay for our mortgage, only, BOA couldn't get it right. In June, they took our mortgage out twice but reversed one of the payment only after I brought it to their attention. Because of the way they have their system, our escrow was messed up after the refund. We started getting notices telling us that our escrow was in the negative. Then I started getting multiple statements a month, they couldn't decide how much my monthly payment should be.

I tried to resolve the issue via phone but I was told by the customer service agent that it was his way or the highway and that he will not allow me to speak to a supervisor. So I got off the phone, gathered my paper works and notes and drove to the nearest branch.

It amazes me that those that work at the branches are not authorized to deal with these types of problems. I was in the bank for over an hour while the personal banker was on the phone with a mortgage specialist. The irony is the ad in the bank that says, “Let our mortgage specialist help you.” Then I was told that everything was fixed, my mortgage amount was set and my bill pay service was canceled as I wanted to be in charged of my payments.

August came and I made my online payment to the correct amount only for BOA to come in and withdraw an additional payment for the wrong amount, totaling to almost $3,500. Now after an hour in the banking center and 45 minutes on the phone at my house, I am told that because it is a VA loan, they cannot give me back the second, incorrect and unauthorized payment. Then they offered to give me back half or apply part of the payment to the next month's payment. I insisted I want the full amount and I am giving them only 24 hours to make it happen. They aren't just going to take any money and expect me to just sit here and say that I am okay with it.

In the mean time, I closed my money market account and withdrew the majority of my money from BOA. While it is a pain to change direct deposits and such, it is a bigger pain to deal with BOA. If I could move mortgage I would. My husband said he is going to look into options, that it would be worth the money to get rid of BOA.

It is a shame that an institution that so many people trusted with their finances get away or tries to get away with this! They should be shut down for unethical practices!

I called monthly for two years to follow up on and have gone to BOA many times but still got nowhere. I called on July 18, 2011 and was told at that time I had to go to BOA and show proof all over again that I made that August payment. She then showed me that I received a check from BOA for this refund, I asked her to show me where I had cashed the check and when did this take place. She was unable to do this so I went to BOA again with my paper works and was told again they didn't know why I hadn't been paid when everyone else had been paid. She then copied my paper work and sent it to the research department and said she would be in touch before the day was over, however I didn't get a call until July 21,2011 from Mildred. She stated that they found my money and would be crediting my account in about two weeks. I was shocked but very happy to finally hear this is finally being resolved. Mildred told me to call her in two weeks and let her know if I received the credit to my account.

I called her on August 3,2011 to let her know that I still don't have the the money. She had difficulty remembering who I was, she kept reading notes and finally realized who I was and she said she wasn't sure where it was and had me on the phone for quite some time trying to locate it. She finally said she will call me back so she didn't have to keep me on the phone. She did not call me back that day so I called her August 5, got her voicemail so I left her a message that I needed to speak to her. I got no call back that day either.

I called again on August 6 got her voicemail and left a message again. I finally got a call from her August 8, guess what, she was returning my voicemail but had no idea who I was once again until I refreshed her memory, when she remembered, she apologized and said she need my account number and would look into it immediately. She said that she does not have an answer other than the research department said I was to receive it in a few weeks not in two weeks so I could still get it at any time. She said she would look into it and she will call me back. She called me back an hour later, told me she emailed the person who was handling this and as soon as she heard back from them she would call me.

I feel like that I have been cheated and my money had been stolen from me, not only from TBW but BOA as well. How can they get away with this? If I had stolen from their bank, I would be in jail today for sure.

Bank of America began sending my house payments back to me in July 2010. I have dealt with several people over the last year. BOA said they were going to send me the packet I needed, that I need to fill out and send back immediately with all the documents they requested. They said I would get the paperwork within 15 days. I still hadn't received anything in a month so I called them, they said it could take another 45 days.

I waited and still didn't receive the paperwork. At the end of 2010, I was finally told of a website where I could print the papers out myself. I did that mailed it in with all the documents which are 2 paystubs, tax paper for 2009, summary of my bills etc. I called them a week later, they said they still hadn't processed it. I called again a couple weeks later and they said they never received the documents. I again went online did all the paperwork and went to BOA and had them fax it to where it was suppose to go. I called them to see if they got it and they said they don't have it yet. I told them about my concerns, about my foreclosure date approaching. The man I spoke with that time said I could file for an extension but I couldn't do it until it was two weeks from the foreclosure date. I waited until it was 14 days before the foreclosure date and called them to get the extension or at least apply for one and I was told it was too late to apply. I contacted the Attorney General in Minnesota and then Bank of America sent the documents I needed to fill out again. It was only four days after I got the papers, I haven't even mailed them back yet and BOA sent me a denial letter which doesn't make sense to me seeing how I haven't even filled the paper work yet.

So right now, I keep calling them and they never return my calls. This is the worst company I have ever done business with and by all the complaints on here I see I am not the only one who has the same concerns.

My husband took a job transfer and we purchased a duplex over 4 years ago. I stayed back in the original city for a year and applied for jobs in the new town while I continued to work in my job in the old town. I was turned down for many full time jobs because I was either over-educated or overqualified. So I was working 3 part-time positions for about a year and a half after I moved to the new town. During this time we were also trying to sell a home in the old town, so we were making two mortgage payments.

Well, we ended up not being able to keep up, sold the old home in a short sale, fell behind in everything, and finally had to file for bankruptcy in 2010. During this time BOA would not take any payments and assured me that I would get help through loan modifications when the bankruptcy was over. I believed them! I have now spent months sending them document after document and they keep saying that they didn't receive them or they still need more. Finally I received an offer from them and it was make double payments for 6-7 months. If I could afford that I would have been doing that all along! I also tried the loan modification before the bankruptcy and because I wasn't making enough money and the debt was so high, they refused to do anything. During that time I also sent and re-sent documents. We have now had to take a loan through our 401K and drained the little bit of saving that we have and we are still behind.

The problem now is they are charging me for "drive by inspections" and late fees. These add up to over $200 a month. I asked them for prove that someone drove by my house and they gave me the run around. I live in a very small community and at the end of a dead end road. There have been no strange cars on my road, nobody comes down the road unless they live here and I would have noticed them. I also get my bill and it gives me one amount and when I call to check and see where we are with catching up they tell me a different amount than is on the bill. I also received two statements today and they were different! When I called, they said that more late charges had incurred. The statement was for July 28,2011 and I called on August 8,2011 and it went up over $75. They just keep giving me excuses and explanations that do not make any sense and the numbers don't add up. I am never going to ever catch up at this rate and my frustration is at such a high level that I cannot even deal with them anymore. What recourse do I even have? I have followed their rules and did whatever they suggested, now what?

As part of our repayment plan, we were to make 2 extra payments over the summer to catch up our mortgage. When I called to make the first of those 2 payments, on 7/10/11, I was informed that BOA would not accept my payment. That our account was now in their foreclosure department.

You really would not believe what we have been through the past 2 weeks. I basically have wiped out our retirement and sent the funds to reinstate our account this week. When I called today to confirm that these funds had been received, I have been told all day that their system is down and they cannot get that information.

Now for a little good news! I was advised by my banker to contact the state agency that regulates banks for NC. I did so and sent them an explanation letter with several pages of documentation. I also sent this info to the BOA service department in Somme Valley, CA.

Well today I get a call directly from a BOA rep. BOA had been notified from the state of NC about my complaint. BOA wanted to work with me to resolve the issue. The rep was very nice. Bless her heart, she admitted that she had been trying to get info about our account all day herself but was also getting the word that the BOA system was down. She is calling me next week. It is sort of too little too late to help us now though.

We wiped out our emergency and retirement savings to get the loan reinstated. A loan which would have been brought current anyway if BOA had let us stick to the payment agreement that we agreed to according to their terms.

Oh also today, I got a letter from the NC Bank regulators. Even though they do not regulate mortgage companies, they are passing my complaint letter on to the agency that does regulate BOA. Again the rep was nice, but you could tell BOA wants to get this complaint swept under the rug ASAP. She kept saying that she wanted to be able to let NC know that they had resolved my complaint.

Now I am going to step out here and do something probably a little crazy. My email address is **. I think it is time that all of the folks who have these complaints get together and do something to get the news to the folks that regulate this company.

Let's face it: AlQueda has nothing on Bank of America. If you do not do what they say they take your home and put you and your family in the street. There is no one to turn to for help. If you would like to email me your complaint, I will print it out and add it to a stack of BOA mortgage complaints. I want to compile as many of these complaints as possible. Then I want to send them to our government leaders, banking regulators and also BOA's customer service department. We need to band together folks.

After 18 months of hearing over and over again that Bank of America needed the same paperwork, that we filled out over and over and over again and seemingly continued to be lost, I finally was able to get the number to the Office of the President of Bank of America. I spoke with three different representatives who still could not determine what was needed for us to even start the process of loan modification for our home. All the while we've fallen further and further behind on our payments.

Finally, I spoke with a new negotiator who contacted another "mortgage servicing specialist". He told me I had to go through MHA again for the umpteenth time and refill out the same paperwork we've been filling out just so they can determine if MHA will do a modification for us. Even though they told us we're above the 31% threshold of income to qualify. I asked if there was another program we could qualify for and they told us "In House" but they needed an official "denial" letter from MHA before they could start the "In House" process.

It has been an absolute nightmare/hell on earth dealing with Bank of America. All we want is to catch back up on our payments now that my husband has a new job and keep our home. We have three small children and our credit is not good enough to purchase another home if we were to go into foreclosure. Can someone please hear us out? We are among thousands but couldn't be more grateful for a resolution to this insanity we've been going through. Thanks so much!

Adrienne **

I can't get anyone to listen at Bank of America. And I am told the same old stuff. I can't believe our government is letting these lying pigs do this to people. My wife and I are behind because we had a baby born Sept of last year and had no insurance. Bills stacked up during this time to hospital and medical expenses. We are completely back on track at this time. We have been putting back monthly payment and have over ten thousand dollars saved, which we have offered many times to send to them. I was told recently that there was a thing called a partial reinstatement. If we could bring our note within 90 days of being current, they would reinstate our mortgage and put the rest on the rear of the note. Unfortunately, we are about $5K away from being able to do this. My question to them was, “Why did you not make me aware of this when I was only 4 months behind?” They never made me aware of any such option. And I later found out about the partial reinstatement from reading reviews on the internet.

So here we are. We have $10K that they refuse to take. And I am now in a position to where I can make my payment without problems. I truly feel so sorry for anyone that is going through this with Bank of America. The US government gives them $25 billion as part of the bailout package, with the agreement that they would do everything to keep people in their homes. This was all just a joke. Where is our government? Please help!

I called and asked how they calculated this and have asked for supportive documentation but they will not send me anything nor can they go through the figures and explain or justify this increase. They agreed with the dollar amount on the tax, and cannot explain it.

I actually went to my credit union and transferred the money for closing, but decided that same day that if my credit union would approve my loan, I would cancel my application with Bank of America. It seems they are so big that no one noticed that I carried this particular mortgage since 2002, and at one time had two mortgages with them up to 2004 when I sold the other property, without being late with a payment, As a matter of fact, I paid more than the required amount since purchasing this property. My complaint is based on the fact that Bank of America will not allow the credit union to use the appraisal I paid for. Their response to the credit union's request is that they will not release the appraisal, but are that I can request a new one. I have yet to talk to anyone in the appraisal department, as this information was conveyed to the credit union via Mr. ** who I'm waiting to hear from after leaving him a voice message.

In January of 2011, they told us our final loan modification was approved and we have made every payment. A month ago, a sheriff arrived at our door and told us our home was foreclosed upon and we had to get out. We hired an attorney and we found out in court that CountryWide bought back our home in 2010 and they were bought by Bank of America in 2008. How can this be? How can Bank of America approve us for a Loan Modification and now tell us that CountryWide bought our home 2 years after they were bought out? We will learn our fate in court tomorrow. We are not giving up! How can they get away with this!

My escrow is nothing but a way for Bank of America to take more money. Last year they paid my home insurance to 2 different companies to make it even more harder for me to afford. They have also taken money for escrow on my property taxes for 2 years. I have had to pay my taxes out of pocket each year. Have never gotten an answer where my money is going but escrow continues to grow and my payment has gone for $584 to any where for $700 to $1000 a month. Im not sure how this is supposed to be helping me but I can not afford it and now owe everywhere as I have been borrowing and hanging on by threads for a long time.

My credit is shot ao refinancing options are out. I have contacted 1 forclosure attorney so far after getting me all excited with images of help I was told that I would have to provide checking account numbers so that they could draft $700 every pay check for me to pay them. I cannot afford to pay my living expenses and my house note as it is, so how does this vulcher think I can pay him $700 a paycheck? I have come to the conclusion that Bank of America is determined to make me lose this battle to keep my home and they may just be fixing to win because I am financially stretched to snapping points and stressed to snapping points from worry!

When we called and complained, they lowered the amount down to $500, but it still was excessive. We then requested to go through a loan modification. Bank of America had us go through three approvals until we received a letter telling us that the modification had been declined. This took seven months (maybe longer).

After December, they stopped accepting our payments. We were hoping that the loan modification would help with the late payments on our credit report. This company is by far the most inept business I have ever dealt with. We requested a letter telling us what we needed to do to get caught up, and basically got the runaround.

Now our credit is ruined, and Bank of America refuses to do what is right, and fix the problem. It is not fair to refuse payment, and start counting someone as late when they eventually will get their full payment. I do not recommend BOA to anyone. They are inept and unwilling to accept responsibility for their faults.

I think they want people to go into default, and foreclose on their homes. Even when we were caught up, they did not apply our payment. We were hit on the credit report again. It took two calls for them to fix it.

How is it that I have been thrown into intent to foreclose on the 12th of the month when I am only approximately $1,100.00 behind which is LESS THEN ONE MONTH? When I called there was explanation given to me; except they were sorry, and I have until the 11th of August to pay the $1,100.00 or they will proceed with foreclosure.

We followed this advice and quickly sold our original primary home in South San Francisco; however, our second home in Arnold, CA sat on the market for approximately 18 months. In the meantime, the housing market turned and the home value sank to below what we now owed on the property. We eventually took the home off the market when it became clear it was not going to sell. Unfortunately, this left us with a large mortgage on a house we had not planned on owning once we bought our new primary home in San Francisco. Like many Americans, we were overextended because of the housing crises.

In August 2009, Bank of America offered a forbearance plan to us in which we made on time partial payments for six months. Bank of America indicated that if we made the payments on time every month, we would be considered for a permanent reduction in our mortgage payment. From September 2009 through February 2010, we made every partial payment on time.

At the end of six months, Bank of America did not reduce the payment. Instead of reducing the payment, we were told that now we had to go through a modification process, which could take up to three months for Bank of America. We continued making the partial payments on time each month through May 2010. At which time I was told that a negotiator was assigned to my account. However, I was never allowed to personally discuss my account with the negotiator. He was completely inaccessible to me. I was not given his phone number or email address and he did not have a voicemail for me to leave messages. My only means of contacting him was through the Bank of America customer service representatives who were limited to sending him an email and hoping this would prompt him to respond to my questions.

When reviewing my account in late May/early June 2010, I discovered that none of our partial payments had been credited to our account. The payments had all accrued in a partial payment account. Bank of America was supposed to credit our account each time the partial payment account balance equaled a mortgage payment; however, this was not done. I discovered this while talking to a Bank of America customer service representative when I was trying to reach my negotiator. The representative at the time encouraged me to try to catch up on my payments, so I made two full payments in June 2010. At the time I was still hopeful that our interest rate would be reduced through the modification process and that we could work out a payment plan for the outstanding principal and interest payments. The reality, though, was because we went through the forbearance process making partial payments of approximately of the total payment, we were now six months behind on our mortgage.

At the end of June/early July 2010, I finally received the Bank of America modification contract. They did not reduce the interest rate, they simply capitalized the outstanding principal and interest payments; i.e. they added them on to my existing outstanding principal. However, the negotiator, when drawing up the contract, did not take into account the two full payments made in June 2010, so the new outstanding principal was over $4000 more than what we actually owed to Bank of America. Again, I tried contacting the negotiator several times to adjust the contract for us, but was never personally able to speak to him. I was forced to leave messages through Bank of American customer service representatives.

Frustrated at not being able to speak to the negotiator to correct the contract and realizing that we needed to return the signed contract before the deadline for the modification to occur, we returned the completed contract to Bank of America along with the required first monthly payment, but adjusted the outstanding principal amount on the contract to reflect the actual amount owed. When the negotiator received the contract, he called to let us know that it was null and void because we had adjusted the outstanding principal. However, after reviewing our payment history, he admitted that he had made an error and that he would correct the outstanding principal amount owed and send out a new contract. This was mid-July 2010.

By August 2010, we had not received the revised contract. I began leaving messages for the negotiator again via customer service representatives because there was no way to contact the negotiator directly. He eventually returned my call and explained that he was unable to simply revise the modification contract and send a new one. We had to go through the modification process a second time. Again, I was told it could take up to three months to complete, but because we could not make six payments at once without tapping into our 401k, I thought it would be worth going through the process again.

While undergoing the modification process the second time, we chose not to make payments because we did not want the negotiator to make the same mistake twice on the outstanding principal owed. Also during the second modification, we sold our primary home in San Francisco, so we were no longer overextended.

We received the second modification contract in November 2010 and returned it with the required first monthly payment. The negotiator contacted me at the beginning of December 2010 and told me the submission was fine, but it may take up to 45 days before we receive our revised statement. By February 2011, I had not received the revised statement and began calling Bank of America to follow up when I would receive the statement. The customer service representatives indicated that the closing process was probably just taking longer than expected and I would probably get a revised statement by March 2010.

In March 2010, I received a letter from Bank of America indicating that I needed to go through the modification process again. Confused because I thought the modification process was completed back in November of 2010, I contacted Bank of American and learned that the second modification never closed. I tried contacting my negotiator and learned that he no longer worked for Bank of America and that a new negotiator had been assigned to my account. My guess is that the modification never completely closed because he either left Bank of America or was fired because he was inept.

I left a message for the new negotiator that day voicing my frustrations that I had to go through the modification process for the third time and that Bank of America was at fault because the modification should have been completed in July 2010. She empathized with me and assured me that she would maintain regular contact with me and that she could make a decision with seven-10 days of getting my modification paperwork. She even gave me her number and email address, indicating email was the best way to contact her. She also gave me a fax number indicating that this was the best way to send the required paperwork to Bank of America. I thought the matter would be resolved in days.

I gathered the required paperwork and tried faxing it to the new negotiator. Unfortunately, the fax number must have been overwhelmed by people like me trying to frantically send in the paperwork before the deadline and it remained consistently busy. My second option was to send the paperwork to the Bank of America prepaid FedEx envelope. This was how I sent in the required paperwork the first two times I went through the modification process and thought it would again be a relatively simple process. Unfortunately, Bank of America did not enclose the FedEx airbill indicating the Bank of America account number. This airbill also included the FedEx tracking number for Bank of America to track the package; i.e. to ensure it had been sent and delivered to the correct address.

I tried contacting my negotiator by email to, 1) notify her that Bank of America did not supply the prepaid airbill; and 2) ask her for the address where to FedEx my documents to. I gave her a couple of days to respond (per the Bank of America policy to allow the negotiator 48 hours to respond), but she never did. I tried contacting her by phone to no avail. As usual, I was unable to leave her a personal voicemail message, but rather had to go through a customer service representative to leave a message. I gave her a couple of more days to respond (again per the Bank of America policy to give the negotiator 48 hours to respond) and she never did. By this time, the deadline to submit the paperwork had passed and I still had no idea where to send my paperwork. I contacted Bank of America again and had to speak to several people over the course of two hours to finally get an address to send the paperwork. I sent the paperwork by FedEx to the address Bank of America supplied and tracked the package.

Bank of America did receive the package at the address where it was mailed. I have verification from FedEx that it was received. Despite receiving the package, Bank of America denied our third attempt at the modification indicating that they never received our paperwork. My summation is that, 1) Bank of America gave me the wrong address to send it to. Given the length of time to get a straight answer from Bank of America on the address, I was not confident it was being sent to the correct address; or 2) they used the original airbill prepared for me to track the package and noted that airbill was never used and concluded I had not sent the package. Either way, the result is that Bank of America erred by not including the prepaid airbill in the modification packet they sent me and this is why they claim they did not receive the package.

Bank of America said I could start the process once again, but it would take up to three months to go through the modification process. This time, I was tired of playing games with Bank of America and withdrew $40,000 out of my 401k to pay for the back payments (by this time we were 15 months past due) against the advice from my accountant because of the tax implications. Of the $40,000, I had a 10% penalty, 20% federal taxes and 3% state taxes, so the net was much less than the $40,000.

At this point, I think the very least we are owed by Bank of America is the removal of negative credit reporting since July 2010, when the original, erroneous modification contract was sent to us. The most ideal would be to completely correct the situation for having to go through this long and tortuous process. This means actually lowering my interest rate, which was the original goal of going through the forbearance, modifying the loan to the original plan from July 2010, forgiving the interest due from July 2010 to April 2010, which was when we brought the account up-to-date, and refunding the payment difference along with the tax and penalty payments paid for the 401k withdraw.

Money has always "disappeared" and BOA has said that all transactions would show (which I have since found out is not true). Well transactions would show but not if money is being withdrawn by bank.

About half of the forms they've faxed, and were requested by Bank of America, they're now being told "aren't helpful". Even though Bank of America INSISTED they had to have those particular forms to put the loan through; once they had them, it was a go. They are calling every landlord they ever had a liar, stating that "anyone" could have paid the rent, and they have no proof they've ever paid rent on anything. Every landlord they've had has either filled out forms, wrote letters, or talked to them personally on the phone, but Bank of America still says they could ALL be anyone saying anything and are probably lying.

Today they finally talked to a local bank; were told it looked very promising, and that they could process it in a week. That said, even going that way, they will be down about $1400 in penalties; for missing the closing date, and another $450 appraisal fee for a second appraisal.

Thank you Bank of America for giving two very responsible, respectful and admirable, young adults such a stressful and impossible experience of buying a home for the first time, and leaving myself and other family members to pick-up the pieces now that they are on total meltdown. I will be SURE to spread the word, and trust me I will, not to do business with you in any way ever!

They're now being told that about half of the forms they've faxed and were requested by BoA aren't helpful, even though BoA insisted that they had to have those particular forms to put the loan through and that once they had them, it was a go. They are calling every landlord they ever had a liar, stating that "anyone" could have paid the rent and they have no proof they've ever paid rent on anything. Every landlord they've had has either filled out forms, wrote letters, or talked with them personally on the phone but BoA still says that they could all be anyone saying anything and are probably lying. They have good credit history, have provided plenty of proof on their credit history as well as character references, and are still getting screwed around. At this point they are being penalized $100 every day they go past the original closing date, and the only reason they haven't been able to close is because BoA keeps delaying it by coming up with a new requests at the last-minute, requests that should have been made a month and a half ago!

Today, they finally talked with a local bank and were told that it looked very promising and that they could process it in a week. That said, even going that way, they will be down about $1,400 in penalties for missing closing and another $450 appraisal fee for a second appraisal.

Thanks Bank of America for giving two very responsible, respectful, and admirable, young adults such a stressful and impossible experience of buying a home for the first time and leaving myself and other family members to pick up the pieces now that they are in total meltdown. I will be sure to spread the word, and trust me I will, NOT TO DO BUSINESS WITH YOU IN ANY WAY EVER!

I then asked to just shut down my escrow so that I can take care of my taxes and insurance on my own. They proceeded to tell me that they couldnt shut down the escrow. Seriously the escrow account is just a bonus to me to help pay two extra bills. If I want to shut it down I should be able to. Bank of America should allow me to do what I want with my money especially if it does not concern the payment of my actual loan. So they informed me that now I need to pay almost $100 more a month on my account. I informed them that I could not afford that amount but that I could afford to pay just the loan for now. I was than told that if I dont catch up on my payments that the bank will foreclose next month. It is only 1 payment I should not be threatened foreclosure over 1 payment.

Which I told the bank that I can make the payment for the loan but not the escrow account but they will not allow me to shut it down. I am a responsible person and have continuously made payments on time for many years why now with a small misunderstanding would they threaten to foreclose. That is wrong and it causing a lot of unnecessary stress for me and my family. Bank of America should try to help its customers not threaten them with foreclosure without working with them.

When I got home, i called and got right through but still did not receive any assistance for any other alternatives.

In the fall of 2009, I was informed that BOA now held our mortgage. My realtor and I contacted BOA several times , however, got a voice mailbox and were unable to leave a message because, "the mailbox is full". We were finally able to contact a representative in the short sale department. I was told that they had no record that we had asked for a short sale and they had no documentation. They gave my realtor and I information on how to start the process along with fax numbers and addresses. We did EVERYTHING they asked us to do. Several months went by, we continued to sent documents with no response from BOA. My husband was deployed to Iraq this entire time. Finally, a representative from the short sale department contacted us and said they again had no paperwork on file. FYI: our buyers held in for more than a year waiting for a response on a short sale that was within $8000 of satisfying the mortgage. In April of 2010, our buyers backed out. 2 more offers were given, again with no response. We asked for a deed in lieu in the summer of 2010. We submitted all the requested documents and again waited with no response. Everytime I call BOA,I talk to a different person and no one ever has any idea what's going on. I've been told several times, " we didnt know your husband was in the military" or " we didn't know you weren't occuping the home, and even " I don't know why I have your file. I'm not even in that department. I have all your information under my name and I have nothing to do with this" WHAT????

We have to explain ourselves in detail every time we call these people. We were told in June 0f 2011 that our deed in lieu was accepted. They sent the documents that they required and we had them signed and notarized as requested ,( in the 5 day time frame we were given) , and were told that it would close July 1, 2011. I phoned BOA today, July 18,2011, as I had not recieved confirmation of the closing, and was in formed that my request for deed in lieu was declined and noone knows why!!!!!

I was assessed a $35 insufficient funds fee since the earnest check I had given to Adobe Title was done in cash the same day. Since there was no sufficient funds, my husband had to make a special trip to Bank of America to get a cashier's check to pay Adobe Title and to deliver it to Plano, about 30 miles away from where we are staying. I called the vice president, Bill, to take care of the matter and promised me that all fees would be credited back to my account as soon as possible, which didn't happen. This was told to me on Thursday, the 14th. Today is the 18th, and I still don't see any credit back on my account. This situation made me stay without any money for the weekend, and I couldn't pay most of my bills since I had to use my paycheck money to come up with the earnest money to pay my title company.

I did a similar thing in june and thought I was okay. I never heard from the bank. IIn I July was going to pay online my july rent when noticed at in my morgage account I am said to be owing 2 months rent. I called on july 11 and a couple of days after and was told even though the bill pay section shows I paid my rent because I Split the payment it will not be accepted and that I my check of payment will be returned to me. I was told my the problem could not be fixed by stoping my check and that i have to collect my check and deposit into my mortgage account again and ask a local branch for help to add it to my previous bill pay amount.

I haven't gotten my check. I paid for july and instead of the bank crediting july and trying to help me fix the june problem I keep getiing letters to make it seem I am constantly defaulting in my rent payment.

I intend to bring this scenario to the

my "crime" is that I made some payments ealier than expected to the very bank that services my loan through their own system of bill pay.

I will not rest till this problem is solved.

Since this time, my remodification has changed hands four times. So, getting a hold of who has my loan has been difficult and no one seems to return calls. I finally received a call from Candace ** and she told me on June 15 that my foreclosure date has been rescheduled yet again because my modification was not completed yet. Candace even called the attorney's office for BAC (Trott & Trott) and confirmed that the date was rescheduled until July 13. I called on July 8 and spoke to the modification dept. and was told that my modification was still being worked on and that my foreclosure date was July 13. I advised her of my concern that if my modification was not completed, I wanted to make sure that the foreclosure date was rescheduled. She assured me that the rescheduling would happen automatically. I called yesterday to try and find out who had my modification so I could find out the status and make sure that the foreclosure was rescheduled if the modification was not completed. I was advised that my home was foreclosed on June 15 and that my modification was denied because of missing paperwork, the same paperwork that they claimed was missing a year and a half ago. I am now told there is nothing else I can do.

I hope you can understand my outrage. I have jumped through hoops and worked so hard to keep my home. I am now told that there is nothing I can do as a result of the errors that BAC caused. I paid trial payments for nine months to prove I wanted my home and was able to make the payments. I only stopped when they put my house in foreclosure due to BAC's error. I was told not to make any more payments as they would be returned to me because I was in foreclosure. My home would have not been placed in foreclosure while I was going through my modification had Bank of America checked their files better and seen that all the requested paperwork was received. This modification has taken over a year and a half and the final result was that I was denied for missing paperwork when I was told everything was all set and they had all the paperwork they needed.

My home means more to me and my kids than it does to Bank of America. I do not believe it is fair for me to lose my home due to the fault and incompetence of the representatives at Bank of America. My understanding was that the reason the federal government implemented MHA was to help people who needed it. I apologize for falling behind on my payments. I lost my job due to the economy and went through a very tough divorce. I thought Bank of America was there to help me; but in return they have been my worst enemy.

This is very unfair that I am going to lose my home because of the mistakes made by Bank of America. Mr. Holliday, I need your help! Please don't let me lose my home. Again my home means everything to me and my children.

They have done nothing but give me the run around about WHY my loan is in foreclosure..now they want $10,000 to reinstate my loan...but they keep reminding me that Foreclosure is looming!! They sent my June payment back and I'm waiting on the July to come back any day...I received a letter from an attorney telling me they would be handling my foreclosure...That the law said you had 30 days but they were choosing to avoid delay and go ahead with the process..REALLY??? I've had to hire an attorney...They are calling me several times a week about my past due balance and what I intend to do...This is horrible!!

In March BOA sold one of the mortgages to Green Tree who i have had nothing but problems with eversince. Their fees are a lot higher, they charge for everything, including paying online and over the phone so are extremely inconvenient.

The worst thing is the harrassment, if you pay within the 2wks and not before the 1st of the month they call me while i am at work to demand why! Err, because you are allowed the two wks and that's how i have always paid it.

They are very rude and demanding. With the ammount of people forclosing and going bankrupt why are they harassing people who have always paid on time? They should be stopped and BOA should be ashamed of themselves for selling off loans to such terrible companies!

They are charging us lawyers fee and foreclosure fee. and they are not giving solution for the problem. we spent ours with them on the phone. They gave us a negociator that called one time and disappeared. we will lose the apartment because of them and not us. they are sending payment back since March/2011 and saying the mortgage is late for 11 months.

No sooner are we caught up than they start calling and mailing out "transition" guides for foreclosure.

We will probably sue and the rest of you should stand up and not take any crap from them. They are corrupt, abusive and have been bailed out.

They think they are better than the rest of us. Call your local Bank of America today and start a firestorm regarding the way they treat people.

It is a $%^&ing joke

If there is a returned check due to insufficient funds, I feel that a courtesy call should be made informing me of the issue so that the correct amount can be paid to avoid unwanted fees etc. as well as a negative report to credit bureaus. No one has informed me of the amount of days it will take to process the amount paid once it's posted. In other words, will I have to make the payment (online banking) 3 or 4 days prior to the due date? Paying my mortgage is very, very important to me, therefore, I would like to avoid any further issues. It appears that I am one month behind because of a returned check which may have been avoided if I was notified (via a courtesy call).

This has happened to me several times before and got me in a financial bind. I wish to avoid this happening to me again once I'm caught up. I selected "online banking" instead of making monthly trips to the Bank of America on a monthly basis to pay the mortgage. In closing, my main concern is to be notified (via email or phone call)if and when a check was returned to my bank, not finding out a month later!! I contacted my bank (Armed Forces Bank) earlier today to confirm a payment and was told that a mortgage payment in the amount of $1548.46 (give or take a few cents was paid on Jul 8th 2011. I immediately call (BOA) to confirm the payment was indeed received and was told that they had to record of payment (very confused) at this point!!!

After the foreclosure process began, I was told that I qualified for the government modification program since my loan was Fannie Mae. I was very hopeful at first, but after 9 months, I have all but given up.

I am slowly getting back on my feet after going through a rough patch for 4 years. They did not try to work with me when I was struggling to make my home payment. I tried to make partial payments which they wouldn't take. I called one day to see what I could do and was told that I was in foreclosure and there was nothing that I could do. Instead of the $2000, that I was behind, It became soon became $8000 and then $12,000 as the fees and penalties kept building. I have had my sale dates pushed out 3 times now. They wait to three days before the auction to do this.

I have provided every document that they have asked for, sometimes several times and called over and over, as instructed, to get an update and still no information on a modification. I have been given misinformation and conflicting information many times. I have been sent rejection letters that I was later told later to disregard. I have been sent multiple duplicate documents.

I sent two formal complaint letters to Brian Moynihan, CEO. On 6/7, I did get a call from Frances Artura on 6/20 with the Customer Advocacy Group. She assured me that something would be done within 48 hours. I was hopeful that I would finally hear something. Nothing. I called back and she told me that my case had been given to a negotiator named Olga Romero and I would get a call back in 48 hours. I called both women on Friday and left messages. Frances did call me back and asked me to wait until Monday. On Monday afternoon there was no call. Today is 7/7 and I am still getting the run around. I was assigned to another Sr Negotiator named Geoge Penate, and once again, I was told that he would contact me in 48 hours. This was 4 days ago. I have not spoken to him yet.

I am a single woman trying to keep my business going. I am not a deadbeat and have never been on any sort of public assistance. I feel so helpless. I can't take this much longer.

I sent my payments in only to have it put into an escrow account. They took it upon themselves to add my insurance, which I was paying out of my pocket BAC, into my house payment along with the taxes to the house making my payments 1950 from 1353, which is too much.

At this point, I learned that Nationwide was NOT applying my payments to my mortgage. I told BAC I could NOT make a double payment. I am newly disabled and cannot do it. A man came out as a representative of BAC and looked at my house inside and out. He said nothing and left. Since then, BAC has quit paying insurance and property taxes. I have not heard another word about it.

What is happening? If the county takes the house for non payment of taxes, will paying the taxes mean I can take ownership of the house? I don't know what to do. I understood from BAC they were going to reposess, but have heard nothing else. So, I stopped making payments altogether. The last time I heard anything was a year ago.

I don't know what else to do. How can a bank do this when they can't produce loan documents or deed?

I have sent in bank statements to show all payments made and up-to-date. They are yet to correct it and they have also listed the previous lender, showing late during the same period though that lender has no mortgage with me now.

I called back in June 2009, only to be told that I was not "technically" late yet. I again called at the end of June 2009, and was told that though I was late, I was not "late enough" for Bank of America to help me. I explained that I was trying to prevent being late, and that it was crazy that the bank would not want to help keep me in front of the problem.

I called again in July 2009, and a Bank of America representative told me that I was still not "late enough". The same thing happened in August 2009. At some point, I was told by Bank of America that, "ideally you have to be 90-120 days late for us to qualify you for help". Eventually, I received a threat of foreclosure in the mail, and figured "I must finally be late enough", so I called Bank of America. This time, I was told that I was "too late," and they couldn't do anything to help me re-structure my loan, or the rate of the monthly payments. I was told that it would be seen as "good faith", if I sent in one or more payments, and they would be able to help me at that time.

I sent in two months of mortgage payments, which they accepted, but continued to deny me help with the monthly payment. I went to a HUD approved counselor in October 2009 for help maneuvering around this terrible system. In short, we have submitted my information at least five times since then. I have confirmed receipt via email, only to be told months later, "we never received your information," or something in the paperwork is "missing".

I truly believe Bank of America continues to "lose" information and request re-filing of information, hoping a deadline will be missed, or that I fail to include vital paperwork needed to process my request, so that they can deny me help. Several times, Bank of America representatives have canceled appointments with my HUD representative (it snowed-in winter, imagine). Two years later, If I had known, I would have just continued to pay my mortgage late, been perpetually 120 days late, rather than go through this nightmare. I just want them to help me out or kick me out. The disgraceful way Bank of America has handled my account, makes me want to just forget it and be foreclosed. It's infuriating because I believe that this is what Bank of America wants to do, but is being held back by the government.

I now believe that being told that I had to be late in order to qualify for help, being told I was not late enough, and then being told that I was too late to get help, constitutes fraud. Is there any way to get help, when defrauded by one of the biggest companies in America? My credit has been affected. My sanity has been affected. My personal relationships have been affected, and my health has been affected, all negatively. Bank of America's actions make me want to trash the house, and leave them with a pile of rubble. I am a good, usually positive, person, who does not like the angry and vengeful thoughts that occur to me when thinking about this situation and sending in pages and pages of personal information that gets misplaced. Where did it go? Who is looking at it? If no one at Bank of America can find the sensitive materials I have faxed and emailed, how can I be certain it is secure? I just want this to be over, and I don't even care what the resolution is at this point.

The offer however was signed on a separate counter offer that becomes part of the real estate purchase agreement. After discussing this with many customer services reps within the short sale dept, they basically told me that the seller needed to sign in the spot or they wouldn’t accept it. If a real estate agent advises a seller to enter into a contract that he doesn’t agree to on all terms, then that would be fraudulent. But the staff at BofA, who are not licensed real estate agents nor attorneys, are telling me that unless I have the offer signed in the spot that they want signed they will not allow the document through.

Here’s my problem, the staff that is reviewing the documents is not reading the contract fully and if they were, they would understand why it is not signed there and why the attached counter is in place and signed by all parties. The BofA short sale staff should not be advising real estate terms or making sellers sign contracts. Basically, they are prolonging an already too long process to meet the needs of their incompetent staff when if they changed their procedure a little, it would save them a little time. They are putting themselves at risk of violating real estate ethic laws and practicing real estate without licenses. I hope that this issue can be resolved within the company before a lawsuit occurs.

People, do not send the collections department any of your personal documents! Also, do not fall for the trial payments. I haven't done it but it sounds like a ploy to grab as much money from you as they can before foreclosure. I would just stop making payments and wait for an intelligent employee who sounds experienced and educated to call you! And not someone from collections! Sad, but this is what our country has come to. FYI, watch the documentary "Inside Job."

Anyway, by the end of 2009, I had to file for bankruptcy which included the house, city taxes and charges and a credit card that I had maxed out. It was finalized by August of 2010. I thought this would be the last that I heard from either company. Bank of America is still calling me, 3 to 5 times a day. I have had this house up for sale since August of 2008. I have tried to do a deed in lieu of foreclosure, several times, have sent my bankruptcy papers to them and March 1st of this year, I signed and sent papers back to my realtor for a short sale! When I call Bank of America, they are really rude and re-route my phone call to several departments, from the foreclosure, bankruptcy, short sale and collection departments! I just want them to take the house now and leave me alone! Can anyone help me? I am still paying for lawn maintenance on the house. They are continually harassing me with phone calls! I have contacted 3 attorneys who are not interested in helping me!

I think we should give them their properties back and take a stand! As long as we allow them to bully us, they are not going to do the right thing! Why would they? They already got their bail out money! My current mortgage an adjustable rate. I asked them if I could just get a fixed one and get it lowered being that the rates had dropped tremendously!

All they can tell me is that they will get back with me! LOL! This has been since 2009! Obviously, the CEO doesn't care because he is rich, so we are at the bottom and he doesn't care about us! I say let's give him back his properties and see can he take all these properties with him when he is no longer here. People do what they want to do! The reason why congress is not responding is because they are corrupted too! They are wolves in sheep's clothing. All of them are being exposed!

They are pretending to help by giving me the trial payments, but at the same time they have been reporting delinquency to credit bureaus, adding interest and fees to my unpaid balance and sending me a letter of foreclosure. Based on their slow process and ignorance on my application, I am now 10 months behind with $50,000 outstanding balance and the foreclosure could happen anytime.

So, I have come to the conclusion that this mortgage lender is taking advantage of this government program and make more benefits from home owners like me by delaying the process so they can collect more fees and interest and find a way to deny the request. I now know the meaning of what they say "we are here to help". They mean they are here to help themselves make more money and help struggling home owners lose more money and their homes. At this point, I have nowhere to find help but turn to you and ask you to help me keep my house and give me a fair judgment. I am very stressed and worried about my mortgage situation. So please help. Thank you for your help and concern.

They work for a bank and can't tell if all the pages of the statement are there or not. I don't want that person reviewing my account then. I have called and spoke to several supervisors and they are not willing to enroll me back into the making home affordable plan, they said I have to apply for another kind of modification. I am not happy since I have been going back and forth with them, even e-mailed the rep who was calling me to make sure he received all documents and to see if he needed anything else. Who can I call or complain to get back on the program? They are going to send me a foreclosure sale date.

just before Christmas 2010 and after just losing my job due to a back injury when my pay was drastically lowered i was finally told by bank of america that i did not qualify since i had a fannie mae mortgage!!!!! i am still outraged. i just now this year 2011 managed to find someone who knew how to unlock my account so i can again pay my mortgage online. before that i would have to make 1 to 3 phone calls before reaching a bank of america employee who understood that i could not just drive to a bank of america location ( the closest one is 3 hours away!) there is a bank of america labeled store front in my town but i am told they are not a bank just an office and cannot accept mortgage payments!, and that phone calls were the only way i could make my payment which would cost an exorbitant fee which finally they realized that they could and did (hopefully) not charge my account and did finally take my payment each month i was locked out of my online payment access.

i am also told that the pmi ( private mortgage insurance cannot be dropped even though i have had my loan for over 5 yrs and never had a late payment) 50 bucks free for them not going to principal or interest or escrow. escrow? yes they did try raising my escrow based on the assumption that my property value would increase each year! lol. what a crock. i managed to find a loan retention officer two years in a row who i told that my mortgage would be even higher if they just assumed my property was worth more and could they please lower the mortgage payment back to what it was the month before. my property value along with many people has dropped! i used that as my last argument with them which took 3 phone calls before finding anyone who made any sense or had any knowledge of that entire scenario. and my last thought in this entire mess is that i had asked the mortgage reduction person why they couldn't process paperwork faster and why it had taken over 6 months of promises to reduce my mortgage and then to find i didn't qualify with a fannie mae loan she simply stated, "Bank of America won't hire more people we are backlogged like you wouldn't believe." i believe it!