Bank of America Mortgage Reviews

Countrywide representative instructs us to sign up for the rate reduction program given our interest rate was at 8.75%. The term explained to us seems reasonable and thus we agree. We are asked at that time to send in required documents including a letter of hardship and updated financials. We receive our loan documents in January 2009. However, they are inaccurate and thus they are concluded to be void. We receive our correct loan documents in February of 2009. The new loan reflects a 10 year step rate program. The loan documents are executed and notarized on 2/27/09. The loan documents are sent over-night by FedEx the same day.

We call on or about 2/28/09 to ensure the documents have been received as we have a FedEx confirmation that they have been signed for. We are told that Countrywide did receive the documents and that they are being scanned into the system. Same call we are told that our next statement will reflect our new loan amount. We mail in our first scheduled payment of $1373.06 on February 28, 2009. The check is cashed and posted to our account. This is confirmed by a phone call made by us to Countrywide.

We mail in our second payment of $1373.06 on or around March 23, 2009. The check is cashed, received and posted to our account. April 2009 Bank of America buys Countrywide Home Loans. April 29, 2009 we mail in our May payment. A notice dated May 13, 2009 is mailed to us from BAC. (Saying this is only partial payment) See enclosed. We call BAC and they instruct us that while the previous documents were received by Countrywide, "they sat on somebody's desk" and the note (our loan) never made it over to them. Thus, they would only honor the old loan that we no longer had. We are told we would need to apply for a new loan with BAC.

June 2009 we begin reapplying for a loan modification of the old loan that we no longer had with Countrywide that was transferred to BAC. July 2009 documents are lost by BAC, we are asked to resend. July 2009 we receive documents for a making home affordable, conditional program. We are asked to make three trial payments. We make first trial payment for August 2009. BAC needs updated financials and requests that we send them in thus, we do. September, BAC looses documents and requests that we resend all financials again.

We make September 2009 payment on time. We call to find out status of new loan and are told we have been approved. Not too worry our new statement should arrive with the new conditions soon. We Make October payment on time. October 2009 we call in to find out when we will receive notification of approval status. We are told that we have been approved and that it takes 30 days or more to get the new statement and that we should continue making the payments equal to the trail payments as that would be our new payment amount.

During the entire period our credit is crashing due to reporting of non-payment by BAC. Rochelle's business loses its credit card transaction carrier due to credit. Business begins to lose customers due to new "cash only" status. We make our November 2009 payment. A letter dated December 5, 2009 from BAC indicates that we are not approved due to documents not being received. Despite fax confirmations that prove the contrary. We call to discuss the items that are "supposedly not received". That we have resent in. We resend the documents as the past documents have been lost.

A letter dated January 29, 2009 says that we are not eligible for the home affordable program due to our income. They base our gross monthly income off of Rochelle's business gross and not the owner's draw gross. The same letter says to call in as we may be eligible for the Home Affordable Modification Program. We are now confused, angry and completely lost as to what to do. Thus, we do the only thing we think we can do: February we begin the process to reapply for the program. February 25th letter from BAC says they are in the process of obtaining documents and information necessary to address our questions.

Our credit is now completely ruined. We will not be approved for a rental if evicted. And we have paid against a good loan, an old loan that we no longer had and numerous trial payments none of which has been recorded credit wise by BAC. We then receive "new documents" for the ones they lost. Our credit continues to plummet. All of our credit cards have been closed and we have our checking account closed due to "credit". We sign and return these documents along with our new modified payment in or around March.

We make our new payment per the new loan documents in April. In May we receive new documents. We call BAC and they say that due to the loan ratio we did not qualify- because Rochelle is self employed they take our income before work expanses to determine our income. Thus, they have new documents for us to sign. We promptly send in new documents and have them notarized by or around the 16th of July. We receive a letter from BAC on July 29th stating that after "reviewing our financial situation your loan is not eligible for a modification.” Our options include per BAC, "A short sale, or died in lieu of foreclosure".

Now BAC has payments for this year in a holding account. Our credit is gone to the point that we cannot get a rental home for our family of five. Rochelle's business is displaced given she works from home. There has been no relief or help from attorneys or otherwise that will help us without some sum of money that we no longer have. We are now left with lost hopes and the question of why does bad things happen to good people. Lost all business credit Will be evicted Lost all personal Credit Cannot rent a home due to credit Have now lost bank account due to credit.

I have been requesting a Loan Modification since May 2010 and it is now August 2010 and I am still waiting for an answer. I lost my job this year in February and are currently unemployed thus resulting in unemployment benefits. My home is also due to adjust December 2010. I have resent in documents to B of A over and over at least 7 times.

They continue to say that they have not received my documents via fax and/or mail and it is pushing my results for an answer further back. I need help and do not wish to lose my home. If B of A can help me by modifying my loan, I can still pay a decent mortgage payment. Again, please help.

They quit calling me and when I tried to call them, I am transferred all over the place and never got to speak to anyone. They are holding my money earning interest. If they didn't plan on processing my loan they should have not taken my money. Bank of America is holding my money and earning interest. How many people are they doing this to and making hundreds of thousands of dollars? I am upset and want my loan to close. It’s going on 6 months. If they would not have taken my money and held on to it, I wouldn't be making a big deal. They are committing fraud and performing unfair practices.

We called and complained. They told us to fill out the paperwork and re-submit it. We filled it out and sent it in again. We called a week later, they told us they had received the information and it is being processed. Everything felt like it was going okay and everything was working out fine. We left it for a couple of weeks and called again, they told us everything is okay and to send them our latest pay stubs. I sent them the latest pay stubs as requested. We received a letter through the mail saying they had received all our information and they are working on our case but do not contact them since they will contact us.

So we complied, but months went by and still they didn't contact us. We are starting to worry. Our mortgage started getting behind and we were getting foreclosure notices. We called Bank of America again. We were shocked to find out they had dropped the case and passed it on to another counselor. The new counselor apparently had lost our paperwork again. Now at about six months later, they are telling us we have to fill out all the paperwork again and resend everything in again. In the mean time, we could loose our house. This is pretty sad after all, wasn't it us the taxpayers that help the banks out when they where in debt? Now that we need help, they are very rude to us and do not comply with the government programs. Who is in charge of this country, the banks or the government? (Stupid Question).

The branch in Dallas states I'm missing a document but cannot /will not tell me what it is. They have never notified me in the past that I am missing anything and payments were made and accepted regularly. We were told we had to speak to specific people but all we get are voicemails. They refused to call us back and a collector called recently and informed us they are under no obligation to return our phone calls.

I got the papers notarized and sent the required payment in. I was told that the foreclosure sale date would be postponed and I was fine as far as the loan modification. I repeatedly called during the month of June to make sure that the foreclosure sale date was on hold and was reassured several times that it was. During the first week of July, I called to make sure when I was to send in my payment and was told to send it in, which I did. My family and I went out of town, which during this time someone called from Bank of America.

When I got home and saw that a call was made, I returned the called to find out that because this person did not speak with us during this time, our loan modification was canceled. I tried to speak with the person who had the authority to do this, however, I was told I could not speak to them because they did not request in my records to speak to me. They would email them to call me. I waited a couple of days for this call, which I never received.

I called again and was told that my home would be sold. I asked what I could do and was told that I could reapply for the loan modification again, and during this time, the sale date would be postponed. However, my home was sold and I am at a loss. I called Bank of America Home Loan division after someone came by my home to tell me my home had been sold.

I called to find out what happened and what could be done, but I was given the run-around once again and got nowhere. I called the law firm who handled the loan foreclosure and was told that a rescinding of the sale on the home needed to be done immediately before the deed was transferred, but it could be done. I called back to Bank of America and again was given the run-around. I was told that a rescinding could be done then transferred to a department that could do it. Then I was told that it couldn't be done and transferred again. Finally, I was told that it would be researched and I would be called back.

Over the course of these two months I have been given misleading, misguided and flat untrue information. I was transferred from department to department, and half the time, no one knew what was going on or could not access the information and again I would be transferred. I dealt with rude representatives who would put me on hold and not come back. I was even told that they did not have the $3000 payment I made back in May and then someone else told me that it was there, but it was not applied to my account. I followed every step and process I was told to do, but because of 1 missed call and inconsiderate representatives, my home has been sold right from under me.

Is there anything that can be done? I feel that Bank of America Home Loan is destroying people's lives with their lack of concern and care for their customers who are trying to rectify their situations. Please help me get my home back before it is too late. My home has been sold after I did everything that was requested.

My realtor is with Long and Foster. She has literally spent weeks of her life on the phone with BOA trying to get answers, and it seems that at BOA the left hand doesn't know what the right hand is doing. Neither her nor I have been able to get a straight answer on anything from Bank of America. She has kept a log of every phone call, who she spoke to, the result of the call, etc.

When president Obama put into effect the loan modification programs for people in our situation, we decided to give Bank of America a call. They sent us to the HOPE team where they put us on a trial payment of about $1,000.00 less than what out payment was. We never missed any. We just got a letter that we were denied and 180 days past due! We were never told that we would be going further behind if we were making the payment that they told us. Now they say there is no programs to help us. Isn't this what we were trying to avoid, foreclosure? Our estimated net worth on our house was $450.00 on our pro pert tax. We just received a notice that we owe over $500.00. We are upside down about $200 thousand since pro pert values dropped by 50 percent in our area.

I just think it's sad that a big bank took the bailout money and now have lied to us about helping us. Putting us further and further behind, not letting us talk to anyone on the HOPE team.

That would give is more than enough to get what we needed and still under the 70% loan to value. However, the appraisal came back at $247,000. This amount would not give us the equity we needed to meet our goals, so I called BoA and canceled the application as I was told I could by the BoA representative. He tried, on several occasions, to get me to take less money. But I said no, I wasn't going to refinance just for the sake of refinancing and pay closing cost.

I then received a letter in the mail saying that BoA had refused me credit and that it possibly could impact my credit rating. They said they refused me credit because of the appraisal. I was the one who canceled based upon the appraisal and by what their representative said I could do with no adverse affects. Boy was he wrong! He just flat out lied. They just retaliated because I said no. If you don't do what they want, they will take action to damage you in some way.

When my B of A mortgage got to be 15 days late, i started receiving phone calls. The first was from an American person. From that point on I received calls approximately every 2-3 days. The 2nd thru the 8th caller were all from outsourced personnel in India (confirmed by the caller). The 8th caller named Ardel D. from India (confirmed). I set up a payment with the second caller. The payment was more than 15 days late but less than 30 (my first time ever late!). I continued getting calls 3-8, and told each to pleas notate that I have set up a payment scheduled for July 30. Caller 8, Ardel ***. apparently notated this because I did not receive a call fro 3-4 days.

On Monday night, July 26, i received a call from B of A, Jennifer. She was American and before she could ask me about payment, I unloaded on her about B of A's horrible treatment of me when I have been late ONLY ONCE! She admitted she did not own a home herself and that she understood how frustrated I must feel with all the phone calls. She promised to inform a supervisor of my disgust and was very apologetic. She is not at fault at all! BofA has a horrible reputation and these kinds of situations only serve to confirm and reaffirm their disgusting business practices! Please know that I will share with the supervisor that I made a complaint to Consumer Affairs and that I am terribly disappointed in BofA. It will probably make no difference, but, in these economic times, you'd think a company would be a bit more consumer savvy!

I spoke with Larry at the end of Jan. and they would put me with a new officer. I said fine and still no application. I ended up faxing over all the documentation that was asked of me and it still took over two months till I got the application. By that time, I had to send over my information again because it had expired, then I had to get another appraisal because that expired in April.

So now I've faxed over sensitive and personal information over by fax twice and appraised twice. Now were into July. Now everything has expired again. I'm not sending my info again. I've had three processors already, faxed all my information, had two appraisals and robbed of $400.00. I told them if they can't do anything' they owe me my hard earned money.

When I applied, they said, "if we can't do anything for you, then your money will be returned", and that has not happened. They've played games with me for 6 months now. I want to do the loan and they aren't doing it, and not returning my money. They also have sent me over 6 Good Faith Estimates, I don't know the reason for this. I never should have been charged in Jan. for an application that didn't even arrive until March or April. And then they said they were going to give me a loan but there to busy. Bottom line, I want my money back.

I contacted Bank of America to make the corrections with the 3 credit agencies, but do not feel confident that they will. I have worked hard to pay them on time and for them to place this negative rating on my report is poor customer service. Bank of America needs to go back from the 1st day this was place on my report and get it resolved ASAP. Consequences: Drastic drop in my credit score

Even a local BofA rep here in Tallahassee tried to get hold of them and his phone calls were not returned. It was not until July 7, after I called BofA loan center numerous times before I actually spoke to a live person, that BofA notified me per Aricka **, that they did not have any of the paperwork that we had faxed nearly two months ago and that we still needed an initial loan approval! Aricka said that she would have to wait until Jesse ** returned from vacation on July 19. We were supposed to close on July 9.

We were told by Suzy ** and Jesse ** that our paperwork had been received and we would be contacted if anything else were needed. It was listed on the Website that our closing was July 9. Why didn't anybody call us if they did not have the paperwork necessary to close? People's lives were dependent on this closing date and I feel that BofA totally dropped the ball on this and is certainly not customer-focused.

To her credit, Ms. Theresa did apologize and acknowledged that the bank was having electronic transfer problems and that Jesse should have called us, but her team's continued incompetence and obvious lack of knowledge of VA loans was pathetic. They did not know how to release the VA appraisal to another bank and were very apathetic about trying to at least make my situation right.

I am now about to lose my house. If Bank of America had informed me after the initial three month trial period that I did not qualify, I would not be in this predicament. My credit is devastated and my family (wife and three children) fear the worst.

In November 2009, we received a letter saying that we could participate in the making loans affordable program and have a 3-month trial period of paying our mortgage at only 31% of our income. Our new payments would be $666.50 instead of $1,790 a month. We were very happy and thought finally some relief. But this was a start of an even bigger problem. We sent in tons of paper work and each time we were told that they were missing documents that we knew we had faxed as well as Fed-Ex to them. I called BofA on numerous occasions and know one could ever answer my questions as to why that in the stacks of paper that I had sent only certain pieces were missing. I would resend information and yet they would say that it was missing.

Finally in March 2010, I spoke with a representative and asked many questions about this process and was told the reason that my documents were missing is because that was a means of disqualifying applicants. If after so many times, BofA requests documents and you don't turn them in, then you are disqualified. This man told me that I had to make sure that I documented every piece of mail with my loan number and first and last name. He also told me that they had my husband's name misspelled and because on the documents that he would since with the correct spelling, they were not accepting it. As well as the fact that my paycheck stubs had my maiden name instead of my married last name that was on our loan account that that was also a reason the same documents were missing. I was furious, I had never been told this information before just that the papers were missing so I kept resending the same documents apparently wrong due to the lack of communication from BofA.

I then wrote a letter to whom it may concern with the hardship that I have had with this company and it's disorganization along with explanations for the misspelling of my husband’s name and my last name, included with the documents they requested. This company is purposely denying people who are trying to save their homes. In April, I received a letter stating that they had all the documents and my loan was in review and to still pay the trial period payments of $666.50. In July, BofA tried contacting me on my home phone leaving messages for me to call them on July 2, 6 and 9. We called them back on July 9th and spoke with a representative that told us they had denied us but an underwriter by the name of Peter **** was going to try and get the modification going still and to fax them a budget, hardship letter, tax forms, paycheck stubs, and bank statements.

Later that week, we got a letter on July 9th stating we had until July 16th to get these forms turned in or they would close the file. We faxed in the information in its entity on July 12. On July 14th, I called to make sure they received all the documents and that nothing was lost and missing and was told that yes they had received the documents but the account was closed. I was confused because the letter clearly said it would be closed in the 16th. But it was already closed. I spoke to a representative name Luis and he basically told me that there was nothing he could do that it was closed BofA tried contacting me and I did not return the call in 48hours so they closed it.

Now I am beyond furious! I said let me speak to a supervisor. He refused to allow me to speak to a supervisor and tried to hold his position. I demanded that he let me speak to a supervisor and he put me on hold. I waited for over 20 minutes and Luis get on the phone and tell me that he was unable to get a manager but he was going to transfer me to another department. I was transferred and a woman got on the phone and started to ask me for my account information and to verify myself which is ridiculous when I have been on the phone with another representative for over an hour. She then asked me to explain the situation. I refused to explain since I wanted to speak to a supervisor and she then puts me on hold and transfer me to a department.

I then finally get a supervisor name Elise and I told her about the letter I received telling me that I had until the 16th yet the file was closed on the 12th. She informed me that there was nothing she could do but she would email the underwriter whom I could not contact myself to speak with and ask him if he would reopen the file and to call on Monday to see what he decides. At that time, if he says no then my only options would be to Short sale my home or deed in lieu my home. How devastating this has been for me and my family, I am a wreck. Then to make matters more complicated on July 17th, I got a letter from BofA saying they received the documents that I faxed on July 12th for assistance with my loan modification and that it would take 45 days for them to review and make a decision.

This is some crazy disorganized mess this company is doing. They have no clue what they are doing and because of their chaos they are ruining people’s credits and lives. This has to stop. Our voices need to be heard. BofA needs to be sued for their actions and all the thousands if not more of people that have been in this same situation should hold another class action lawsuit against them. There is something terrible wrong with this system. I have mounds of evidence that BofA has contradicted themselves with the letters they send and the hundreds of representatives that tell you all sorts of lies because they are tampering with people’s documents to cut their workload in half. I was told by a representative that this was the practice of some of them and I believe he is telling the absolute truth. That is the only logical explanation as to why many people have had missing documents in their file even when they had sent it in. Please help us.

We started our loan modification process in January of 2010. After filling out all the necessary paperwork, and sending in financial documentation, BOA gave us a temporary reduced payment that was meant to help us during the modification process. The reduced payments began in February 2010. Since then we have received letters stating that BOA is missing some of our information or documentation. It has always been information and documentation that we have already provided to them. We have faxed in our tax statements 3 times. Each time we send in documentation we call to confirm that they have received it and are told that they have everything they need to process our modification. Then another letter shows up in the mail.

The most current letter dated July 20, 2010, informs us that our modification has been denied, supposedly because we didn't provide them with documents they requested. The letter goes on to suggest options such as as a short sale or transferring the deed of our home to BOA! It seems to be the intent of BOA to give homeowners the runaround, and a discounted payment schedule for just long enough that their payments are 3 months behind. We have been paying reduced payments for 6 months. Our payments were reduced by about 50%. So the total late payment amount is about 3 months worth. Three months late = foreclosure. Now they haven't sent a foreclosure notice yet, but we're pretty sure it's coming.

Did I mention what this has done to our credit? No? Well it's ruined. BOA has been reporting that we are a "severely delinquent" account. We are not delinquent, we are paying the amount they asked us to! Is this part of their plan as well? Once your credit is destroyed and you couldn't get a loan for anything to save your life, where else are you going to go? You can't very well decide to refinance with another company. You certainly can't hire a lawyer, you are applying for a modification because you can't afford the payments on your mortgage.

Now they have you right where they want you. Broke, poor credit, and one way to get out. Give them your home, either outright, just give up and hand it over, or try and fight and end up in foreclosure. We have followed every direction BOA has set forth, and here we are, with horrible credit and about to lose our home. We are trying to get this information out to warn other homeowners what will happen to them if they attempt a modification with BOA, and in hopes that we can get some help in resolving this issue before we lose our home.

Once you do get a hold of them they will then transfer (or hang up) you to someone else for another representative to solve. As soon as I find another place to take my mortgage, I am done with BOA and I will never recommend them to anyone at least people that I care for. I would like to get this information out there so this does not happen to you.

For the past 10 months, I have worked day in and day out with Countrywide/Bank of America to request assistance with my home loan before it was to go into foreclosure or even fall behind. In December 2009, I have sought out assistance when noticing an increase in my mortgage due to the type of mortgage I entered into, an Adjustable Rate Mortgage with a precious mortgage company.

My loan originated with a company called Decision One Mortgage based in California that currently has a class action lawsuit being filed against them. In the process of me refinancing my loan with this mortgage company, I had been working with a gentleman by the name of Jeff ** who explained to me in the process of refinancing my loan I would be able to pay my debts off and also receive some cash back.

However, upon talking with him agreeing to the terms and my documents submitted at the end of the deal (signed and everything), I realized that my debt had not been paid, the monies in which he explained was going to be excess cash was no longer an option and that I had only received $4000 of the $20,000+ he stated in the refinancing of the loan.

Therefore, I was stuck with a loan that did not benefit me at all. After recently reviewing my documentation, I noticed that my income on the fact sheet has been falsified indicating that I make two times the amount of money I originally make. I know this was not the documentation I sent this loan officer because I know what my salary can and cannot afford.

I have tried to work endlessly with Bank of America/Countrywide when noticing an increase in my mortgage and the struggle it started to become before Bank of America explained they could not refinance my loan nor do a loan modification with my loan.

For 10 months, I've spoken with Bank of America's representatives who initially in the beginning of the modification process told me or should I say, lied to me in stating my account was in a review status. I would check with Bank of America every week to two weeks checking the status for one representative to tell me that my account information that I faxed on December 3, 2009 had never been looked at.

After I called and called regularly for Bank of America, representatives tell me lies. I decided to call the Bank of America Office of the President to where I worked with an advocate by the name of Irobar **.

For the next 7 to 8 months, I had a steady contact with Mr. ** on information with my account. He even noticed that my account was in a very stagnant situation and should have heard some type of response. All the while working with this gentleman, I would fax my monthly bank statements as required, income information, etc. Whatever necessary documentation he needed, I made sure to that he received it immediately. While working with Mr. **, he would continuously reassure me that everything would be alright and that my home would not go into foreclosure.

All the while, months after months had built up to where Bank of America would no longer send me mortgage statements. I opted while during this situation to possibly pay something on the loan this way I would not fall so far behind.

Bank of America told me that I could not do this after a while and that I was in a workout process, that whatever owed would get tacked on to the end of the loan. Again, Mr. **. telling me that the process is to start on a trial payment plan, that the first three months I need to make sure I pay on time and that the payment would be considerably lower than what I am paying now.

He continued to reassure me that everything is going to workout. Well, June 26, 2010, approached and I received a letter from a company called ReContrust that stated a lawyer from their firm has set a foreclosure date for July 14, 2010.

I immediately called Mr. ** and not be able to contact him because he was being relocated to another department and having to call the foreclosure loan department to request a postponement on the date. I spoke with a gentleman from Bank of America's foreclosure department and I explained that I'd received this letter indicating an actually foreclosure date.

The gentleman called the Recontrust Company while I was on the phone with him to talk with the company requesting a postponement on the sales date. The ReContrust company explained to him that he needed to request this a week before the date.

The Bank of America's foreclosure representative had given a day to call back to request the postponement. The date I needed to call the Bank of America gentleman back was on July 7, 2010. As requested, I called the foreclosure department back on July 7, 2010, and the Bank of America representative explained to me that the Home Affordable Modification Plan was denied.

That I did not qualify for the program due to my income. When I eventually talked with the advocate, Mr. ** from the office of the president. He explained to me that Bank of America as well has denied me for a refinance due to the fact it would increase my payment. I asked him why? What happened? I thought you told me that everything would work itself out.

Mr. ** explained that Bank of America would not refinance me because by the time they add in the months owed on my mortgage, as well as the taxes and homeowner insurance and all late fees it would increase my loan not lower it.

According to the loan modification program, my mortgage is more than 31% of my income and I cannot understand why I am not qualified. Mr. President, I really thought that you stated there was a plan for people like me. Now my home is up for foreclosure. I had to file a chapter 13, in order to stop the foreclosure process to buy me some time as to what my next step is. I am at my wit ends because I feel like I have run out of options. Even with me filing for a Chapter 13, I still have not remedied my situation and my mortgage is still going to be the same payment and still not reducing the amount of the loan.

The banks are not helping people like me. I have now sought a real estate attorney to consult with because Bank of America is not following guidelines as stated by your program. I have a four-year old chronic asthmatic child, and I have to figure out now what is next for us. Do we become displaced due to the greed of the lenders that took advantage of me?

I have not received a pay increase for teaching in the state of Virginia for the last four years. I know, I look forward to every increase received due to the cost of living here as well as the economy; food prices, gas prices, etc are continuously going up.

On three separate occasions, at their requests, I have submitted financial documentation including a letter of hardship. I have verified and re-verified my income and expenses over the phone too many times to count. I have been told I qualified for the government's program and then later was told I did not. I have been told I was granted an in-house modification and then later was told I had not been. I have been asked to fax bank statements and other financial papers to a fax number that later I was told could not be found in the system as a viable bank fax number. I still do not know where that information went.

Despite the fact that I was able to successfully negotiate a modification on our second mortgage and have been current on these payments for over a year, I still have not reached resolution with Bank of America. My income has stabilized and while I am confident that I could maintain a modified mortgage payment, I do not possess the capital to catch up the past due amount. At no time in this process have I asked for a reduction in principal despite the fact that our home is valued at about $125,000 which is less than what we owe. I have simply asked for the bank to work with me in good faith. There are no words to describe the frustration in not being able to communicate with the same person through this process. There is zero accountability for the bank employees as they know that we as consumers have no way of identifying whom we have spoken with at any given time.

Our home is now in foreclosure with a sales date of November 12, 2010. I am still pushing forward seeking modification of our loan but recognize that we are running out of time. Bank of America, at no time in these past almost two years has once demonstrated good faith in their dealings with me. I find it very hard to believe that with all of the home owners defaulting who are not in a position to make any kind of mortgage payment, that this bank would not gladly work with someone who has demonstrated through financial documentation, that they possess the means to do so if given a modification. Perhaps Bank of America has another agenda or reason for stonewalling me?

Well, here it is, July 2010 and they have not made a decision regarding the loan modification, but instead reported my mortgage delinquency in June 2010 to the credit reporting agencies. At their direction, payments are to continue at the reduced rate ($105) until they make a decision. My issue is the damage their delinquency notice caused to my credit.

My creditors reduced my limits and closed my accounts. Not a pretty place to be when you own a home. BAC did send a correction to these credit reporting agencies, but it takes up to 60 days or more for it to take effect. BAC explicitly stated, no delinquencies will be reported, as long as payments are timely- which they have always been. I am absolutely furious. There is no reason I should go through this credit nightmare for a lousy $105 monthly reduction, just because BAC made an error and reneged on the terms of this elongated trial period.

I have no available credit. Should something major go wrong, I have no way to service any of the things that can happen in a home. This is extremely debilitating and completely unnecessary. Also, no one gives me an answer as to how 4 months for review and approval have turned into 7 and ongoing for BAC to make a decision.

In March 2010 (paperwork was delivered in BAC's own prepaid envelope) they claimed to have not received some of the required documents, which they did receive because it was delivered via FedEx. When I questioned a representative, I was told they were very backlogged, probably received the package (tracking number verified this), but just haven't gotten to it, so can I please fax all documents, which I did. My point is, there's been no reason for delay in this matter, which has been relayed to me as of yet.

We have made several calls and we just get the runaround; we are looking into it type of stuff. We are very upset that it is taking this long to get our money back! Right now, times are tough and just having someone keep that $420 for no reason is putting a strain on us.

In October 2009, I received a full price offer from a single woman that was already pre-approved. I signed all the appropriate papers including giving authorization for the title to speak with Bank of America about my mortgage. In November 2009, my husband was suffering from kidney failure and I had to be at the hospital frequently. I was staying at the home during the week and spending weekends at our vacation home. While he was in the hospital in December 2009, someone came to my home, drilled out the locks and put new locks on my home.

The company was supposed to have winterized the home (I was living there!) and they left every light on in the home and the door to the unheated attached garage. When I received a $250 gas bill and a $150 electric bill, I demanded that they send me a key. I received a key the first week of January 2010. When I went to the house, the furnace had been running so much that the motor was overheating. If I hadn't gone in when I did, the house may have burned down.

On December 23, 2009, I received a message to call Bank of America which I did on December 28th. They told me that they were expediting my short sale and I should hear within 10 days. I called them back in January and they said that they were behind and would call me soon. My title company called them and they told them that they lost my file and needed all of the paperwork again. Then they had some new computer system that I had to get set-up in, which took over three months to do.

Meanwhile, I kept calling (so did the title company) and one time they couldn't find my file and transferred me to a fax machine. Finally in May 2010, they sent me an e-mail saying that my short sale had been denied and that they were going to foreclose on the home. They sold it four days later at a sheriff's sale. Now I find out that Bank of America was just the agent for Fannie Mae, and they are going to come after me for the mortgage amount. I shouldn't owe them the full amount because Bank of America messed up a perfectly fine short sale.

I read an article that banks don't want to work out loan modifications or short sale because they don't get any fees for doing that. They would rather the homes get foreclosed on and they are done with them. I truly believe that that is true. I can't believe that a company as large as this one can be so messed up. I think I was just messed with until a foreclosure could take place. I did everything they asked me to, and they denied my short sale because they "didn't have buyer information". They received this information back in October 2009!

Eric ** was rude and condescending. He told us that the very fact that we never received a contract should have been interpreted that we were never accepted. We were never called or updated in the form of a letter to inform us of any decisions made by Bank of America. We don't know where anything stands. We do not know who to turn to advocate for us. We fear that someday we will hear that our home has foreclosed or has been placed on auction and we and our ten children will be on the street. Without the loan modification, we are unable to make our full payment. Our credit rating has suffered because we are "delinquent," a result of the modification not being completed. We have never missed a payment nor have been late.

In June, I get another "tax delinquency notice." So I called Bank of America again. And again, it's "all taken care of." Now, in the end of July, I get a bill from Bank of America that my total amount due just jumped to $4,894 which is almost double my mortgage. Something wrong here. Or I can pay it off at a rate of $3,260 a month, still about $600 more than I usually pay. I don't like that figure either. So, I called Bank of America, and after no help from a representative, I requested a supervisor, and was blessed with Michael ** at the California Call Center. After speaking to Michael ** for a few minutes, he seemed to start finding my frustrations funny as he would chuckle after almost every line I said.

He seemed to think that my being upset over having to pay an extra $2400 was funny. I wasn't laughing. He kept asking what part of this being my owed taxes I didn't understand. Hey, **, I understand taxes. I got my 4-year degree. I can assure you that I am ahead of you on the intelligence scale. My issue is when I called your bank for help several times before as to late tax notices, your bank told me to throw them away, it was their fault on a short pay, they were taking care of it.

Now, your bank is charging me for their mistake. No letter of apology explaining it, just, "Here, you owe us this money." And you, Michael **, find it to be funny. This is why you work at a call center and will never do more than that. Your care of the customers’ needs stinks, and so do your manners. You’re lucky our meeting was over the phone, I can promise you that. Bank of America, I hope you don't hire little smart ** like these, but I can assure you this one slipped under your radar. If Michael ** was my employee, I would terminate him!

On July 19 2010 (today), a Home Retention rep called me and was very rude to me telling me I can't afford my house and I should do a short sale. She started asking me private personal questions and her attitude was very negative. I told her my lawyer and I are still trying desperately to get relief or some sort of mod and she said she doesn't see it happening and I should just make arrangements to move.

I told her if more bank reps worked with home owners rather than telling them to sell their house, there wouldn't be so many people in foreclosure. I can't even begin to explain all the inappropriate things she said to me and had asked me regarding my home. Their job is to come up with solutions, collect information and perhaps payments but not tell home owners how they should live their life and what to do with their home.

Our lease was up on our car. We invested $10,000 in that car. Nobody will give us credit to purchase the car at lease end, because of the 30-day lates which are not true. Now we can't finance a car. I have called numerous times to BOA and nobody can give me an explanation about what this whole partial payment thing is.

This is plain out harassment on Bank of America's part. I mean, it’s stressful to me to receive these calls. They even called me at work to inquire about the mortgage payment and noted that I had a certain amount of money in my checking account and should make the payment. I honestly was rude to them because what if I lost my job. Then if I lose my job, how is bank of America going to get their payment? Really, don't they think that I have other bills to pay besides them? Yeah, all my bills are late but at least they are getting paid. Bank of America is truly becoming 1 unlike Bank.

I have not been denied or approved. The response to my numerous (documented) phone calls and faxes has left me frustrated. On 7/14/2010, I was told that documents were missing, even though I have a letter dated 5/11/2010 stating all my info was received and under review. When I took out my mortgage in June 2006, my payment including taxes and insurance was less than 20% of my gross pay. On disability, it is over 50% and I simply cannot afford it anymore, along with paying for my own health insurance and medical prescriptions, and co-payments which amount to approximately $1,000 per month.

Their negligence and giving me bad information will probably cost me my residence. They give false hope by telling you that your request will be answered within 30-45 days. They have been telling me that since December 2009 and told me the same thing today. In a conversation on 6/29, the supervisor said that, "it really takes 120 days". I asked her if that is the case, why did they send me a letter saying 45 days? I am now 2 months behind on my payments, the additional stress has worsened my disability and i am in danger of losing my home. i used to have a credit score near 800.

I initially had a lot of questions and inquired about the acceptance and denial process. I was assured by the bank rep that once you were accepted into the program the only way you could be denied was if you failed to meet and complete what they required of you. First, you had to see if you were approved, so I started the process with him at that time over the phone. He wanted all financial incoming net and gross money we received each month and an itemized list of all outgoing obligations. I provided him with all of that and was then informed I would receive something via FedEx with in 30 to 45 days explaining the process and that at that time I would be required to send further documentation.

On August 10th, we received a letter from FedEx welcoming us into the program and congratulating us on doing what we needed to do to stay in our house. On August 17th, we received the exact same letter again asking for copies of our checking account, paycheck stubs and tax returns. We complied with all requests and sent them. Not once but twice as they apparently lost the first ones we sent them. They had record of them showing up but no one knew where they were. So could we send them again, which we did. I stayed in weekly and bi-weekly contact with B of A inquiring if we had completed everything on time. I was repeatedly reassured that they had all that they needed and for us to continue making our monthly house payment, which we did.

Finally, after many phone calls to B of A, we got a FedEx envelope on December 20th 2009 thanking us for our financial documentation. We again received same said letter from them on December 24th 2009 saying that we had entered into the trial payment modification part of the program. It stated that we needed to make three trial payments of $1782.50: the first on or before 2/1/2010, the second on or before 3/1/2010 and the third on or before 4/1/2010. I again called them and said I had just made Decembers payment and I wanted the terms of the trial modification clarified and outlined for me.

The rep told me that the December payment I had made had actually constituted the first trial payment that was to be made on or before 2/1/2010. I asked him if I needed to make another payment in January and was told, "No, your December payment will be applied to your first trial payment." I then said to him if I don't make a payment in January then I will be behind another payment and he said, "Yes you will but that it would all get worked out in the loan modification. They will either put them to the back of your loan or incorporate them into your new modified monthly payment at a lower interest rate when the process is completed."

I stated to him that I was uncomfortable technically getting behind another payment and he then informed me that if I brought my house payment current it would kick us out of the program. I was not to waiver from the guidelines they set forth and had to comply with all they asked exactly they way they asked or we would be out of the modification program. I was again informed the payment I made in December was my 1st trial payment. I then said my regular monthly payment is $1780.39 and that the 3 trial payment vouchers they had sent me asked for $1782.50 it was a only a couple of dollars difference so not a big deal.

He then said to me, "Make your 2nd trial payment on or before 3/1/2010." I thanked him for his time but deep down this information seemed just wrong. I waited a couple of days and called back with the same questions and once again was given the same answers and told do not waiver from the program guidelines we set forth or you will be out of the program.

In February, when we got our taxes back, I called again and asked if I should apply them to our mortgage and was adamantly told, "No, do not do that. It will kick you out of the program." He did say, "I can't tell you I won't take your money but I can say it will kick you out of the program if I do." I made 2nd trial payment before 3/1/2010 still keeping in constant contact with bank making sure we had crossed every t's and dotted every i's and jumped through all their hoops. I was repeatedly told, "Yes, you have done everything we have asked. Just keep making the trial payments. You are in the modification process. Follow the guidelines we have given you. Do not waiver from them." I made the 3rd trial payment before 4/1/2010.

As May was approaching, I called the bank again and asked them how I needed to proceed, as the three trial payment vouchers they had sent us we had already used for making the three trial payments. I was informed that they were way behind on processing the mod loans and to continue to pay the trial amount to put loan # in memo section of our check and to continue to send $1782.50, that it may take several more months. I paid the 4th trial payment in May.

In June I tried to make the 5th payment in the branch as I always had and it would not accept my payment. I came home and called the bank and was informed that a letter had gone out saying we were declined for the MHA modification since our current payment was not equal to or more then 31% of our total gross income. ( Shouldn't that have been determined long before we were ever accepted into the program? I think so if it had we would never be in the position we are in right now.)

At this time I was once again reassured that we had gone straight into an in house program with the bank that would ultimately have the same outcome for I loan so I paid the June payment, the 5th in this trial period only this time I had to now make payments of $1818.88 our original house payment had gone up due to our property taxes going up. Okay, I was fine with that and was told keep making the $1818.88 payment your still under review for in house restructuring. Again this was on June 18th 2010.

In a letter dated July 2nd 2010 we received a notice of intent to accelerate. I was beside myself and called them demanding to know what was going on with my loan. After speaking at great length with a rep and getting nowhere and no answers, I asked to talk to a supervisor. I did eventually get a supervisor and explained all we had been through from the beginning to currently getting her on the phone. She then stated, "Your loan restructure was denied and closed on June 23rd." I then asked her when they planned on informing us of this and she said, "It is not our job to keep you informed. It is your job to see where things stand." Are you kidding me? What did they think I had been doing through out this whole process? it is documented how many umpteenth times I had called and tried to constantly and consistently stay on top of this whole thing.

She then very matter of factly wanted to know if I could come current by August 1st 2010 in the amount of over $7000. I told her I did not have that kind of money and that there was no way I could get it in basically three weeks. I was then advised the only thing she could do would be to split the past due into 5 payments that would be added to my monthly mortgage payment thus resulting in our house payment for the next five months being $2926.80. This is all she could offer and the only thing that could save our home from being foreclosed on. I had to take her deal because I had no other choice and losing or walking away from our home is not an option for us. We love it and have always had the intent of staying here and not walking away like so many other people have been forced to do.

I am so disheartened, disillusioned and plain mad as hell that the bank can do this to people and get away with it. Had I gone with my original plan over a year ago our missed payment would have long ago been caught up but by taking their advice and doing what they requested and never wavering from the guidelines they set forth they have screwed us. I was 100% repeatedly in contact with them, I thought I had asked all the right questions and complied with all the terms they set forth.

They had the ultimate decision to put us in the program or not, we were not aware of the 31% rule they have for their approving or declining process, someone at the bank dropped the ball big time with this and they allowed it to continue by accepting our trial payments for 5 months now they expect us to be able to financially pick up the pieces of their mess and their mistake.

I was also informed during my last phone call with them that federal guidelines had not even been implemented into their program until April 12th 2010 so how then could they even start the process or expect anyone to stay within their strict guidelines if they did not even know what they would be. I also asked at that time for a copy of the agreement I made with them for the repayment plan be sent to me in witting as I felt at that time I could not and would not be able to trust a single thing I heard out of anybody working on the their behalf. I am hopeful that someone on your end will be able to help us get some answers that make sense.

I now have a negative rating with the credit bureau and can not get Bank of America to fix this problem that they caused. Even though they admit that I never signed up for a loan modification and should not have been put in this program.

Essentially, we are about 5 months behind on our house payments. Thank the economy. Those are not consecutive months, but rather over the span of about 1 1/2 yrs and I have been unable to work since the first week of January due to illness and lack of work (I'm a CA substitute teacher). My husband contacted BA to try to make arrangements to get our mortgage payments lowered and our past due, well, to become current, somehow. So BA takes the information and tells my husband that they will be contacting him in about 60 days or so and that he shouldn't call them.

My husband waited the allotted time and tried to contact them only to find that they were unreachable for whatever reasons. And then he was told that our case hadn't been reviewed yet that they would contact us with information. Again, we waited. Then, after the first of this year, my husband made another attempt only to be shot down again. When he asked when he could speak to someone, they could not, or would not give him a specified date or person to contact.

This past month, my husband was again attempting to work with BA to get our mortgage straightened out. He had to send in a ton of paper work regarding our finances. Luckily, he checked the next day since it was faxed only to find that our case had been closed. So, with some heated discussion, our case was reopened and we are supposedly being reviewed for a loan modification. Supposedly, during this time, we've been told that our mortgage payment has been increased by about $250. What? We never received anything telling us that it was being raised and when my husband makes the payment by phone, he is told time and again that no, it's not at $1600+, it's still only $1,400.

Okay, then why are we receiving a letter that says we owe the $1,600 per month? Believe it or not, no one at BA can tell us definitively what our current mortgage payment is! And the loan modification? Not surprising, no one at BA has any information for us at this time. We can't get one single person to deal with for consistencies sake; that just wouldn't do. And too, we can't get one person to tell us where we stand in all of this.

We've tried to let BA know that we want to work something out to keep our home. If we could just get our payments lowered and the past due, IDK, tacked onto the backside of our loan to being us current and you would think that the largest bank in America, a bank that received millions, if not billions, of dollars from the President specifically to help people like us, could handle these matters in a more satisfactory manner!

We are currently asking ourselves if we should just give up our home, stop making payments and bank the money (with a different bank of course!) and prepare to give up our home; or should we keep fighting?

We don't want to give up our home and are not trying to get out of paying anything we owe, but like so many others, we are financially strapped beyond the point of hurting.BA, being the largest bank, needs to get their heads out of their butts and start doing what the President has already paid them to do, help us struggling families to keep our homes!

No one would help at BoA and they would just insult me and transfer me. I received my keys after six months and it's the wrong key. Now after 7 months, they are still trying to force me into a higher payment loan modification while holding the keys to my property and threatening a sale. Continuous runaround and transfers by reps. I have to tell my story each time to a rep who doesn't know what to do and insults me from ignorance.

June 30th came and went - nothing. Still no set closing date, the "handler" Bank of America expedited the case to is a phone number that rings off the hook with no answering machine. The one time someone answered they said "it's not my desk but let me see if I can help," of course, nothing. I find these business practices unethical and definitely not customer service oriented by any means.

There should be a way to penalize them as they do customers for inaction/late action on accounts.

First of all he was a pick up by Bank of America from Country Wide. Don't you have a legal right to be notified about changes on your mortgage? He has tried to talk to them on many occasions and can never get an answer that makes any sense. With all the BOA branches in this country, there should be some place you can go to talk to these people face to face, this phone stuff is b.s. and it would help if you had someone who could speak fluent english. I know it is all about the dollar these days but we really need to get back to having customer service agents from America and not India.

Just because these people work for pennies a day, not for something as important as your home loan. These people are impossible to deal with, rude and do not deserve the bailout that the United States of America gave them. I hope this bank sinks and gets no more of my money to keep them afloat. Please investigate their shoddy practices. Nobody deserves to be treated like this. It is not my son's or anyone else's fault that Countrywide made bad loans. He did not have an adjustable rate mortgage, and was never set up with an escrow account in the first place. This was an add-on taken by Bank of America without his consent. How can this be legal?

We have completed the payment plan, as our home loan summary has even shown. But now, Bank of America (BAC Home Loans) is still saying that we owe $3000.00. We definitely don't, and they have even gone to the extreme of changing the amount in our Home Loan Summary statement that is mailed to our house this past month.

We are also in difference with them on a mortgage payment that was made via Western union that was paid on June 30 in the amount of $1612.00. We have all the receipts of the Western Union transaction. We faxed them the MTC number and a copy of this transaction that they said they never received, even though we were on 3-way with Western Union today and they confirmed that BAC did in fact receive our payment on June 30 at 1:57 pm EDT. Now we are waiting again, while BAC is looking into our account. And we as well have now Western Union involved to see what happened to our funds.

We continued to wait to get our loan and delayed our lives and our future planning for our family.

Anyway I made my August 2009 payment to Taylor company. Bank of America stated that the payment was not made and requested proof, Which I promptly sent them. They said this should be settled within six months and not to worry. They knew the payment was made but had to get the money from the government since Taylor went bankrupt. Of course they would not be reporting this to the credit bureau because it was not my fault about the lack of payment and the late payment charges would be erased from my account. I have been turned down for credit and my creditors have reduced my credit limits due to reports from trans union credit reports. I received the reports and found that Bank of America reported me delinquent.

When I contacted them their response was "The information I had sent was not sufficient to prove the payment was made. " Oh and in the mean time Bank of America is also charging my account late payment fees because I refuse to send them the extra payment. They do assure me that this will be made right as soon as they get their money from the government. Which they cannot tell me when or how this is supposed to happen. "It should not take more than another six months but if it does please be patient."

They assured me I am not the only one who is going through this! "I am one of the few how ever who is making so many complaints and demanding something be done." So once again is there anyone out there that is suing or has a case against these incompetent crooks! I Am tired of their holier than thou attitude. The last time I spoke to them they had the audacity to tell me to find someone to refinance my home with "But this will be difficult with your credit history." I did not even get a kiss with this one. Help please. As stated above my credit rating is down and they are trying to bill me 33.23 a month for late payment fees.

My complaint is that, since I do not live with my son at the house that was foreclosed on, Bank of America should have sent me a letter with their notice of intention to my address. They told me it was not their responsibility to notify me. It was my son's. And yes he should have told me. But ultimately, I felt that since this foreclose would go on my credit for 7 years, they should have notified me. I had about 3 days to try to get money together when I should have had way more time. They lied to me. Both Dawn and Jazmin.

One tells me we have a chance to apply for a home retention loan. Get the info and she will call me back on Monday. She never called me back. When I talked to Dawn she told me it was already to late to stop the foreclosure. So they foreclosed on the house, put it up for auction and couldn't sell it now. Bank of America has taken the home back over. I feel that this is underhanded and sneaky and I have never done business with a bank before that never notified on a late payment for someone I cosigned for. In spite of everything I have heard that their way of doing things is legal. If that it true then there needs to be some reformed.

Furthermore, I have paid every single month since November as instructed by them in order to avoid foreclosure and now they want to start foreclosure proceedings soon. We did acquire the assistance of an attorney which luckily will mostly be covered by my husband's legal plan with his employer. The attorney asked BOA for all accounting on my account and not to my surprise they are badly mishandling our funds and charging us ridiculous and excessive fees to boot.

My attorney asked me a few days ago if I could come up with money to avoid the foreclosure which I of course, do not have. We do not even have a savings account. Our hands are tied since we cannot refinance this house because our credit is bad (of course Bank of America is reporting late payments as well) and our house is worth less than what is owed. I am becoming very concerned that even our attorney cannot save our house.

Bank of America are crooks that are just trying to take all the money they can get before they take my house and they have even kept my surplus on my escrow and haven't even applied it to my payments. Here we are paying every month and we still can lose our house. I could have been saving all that money. I continue to pay them and just stop paying the house if that were the case. Every time I call them, I am given a different amount owed (one day it's $6,000, the next day it might be $3,000 etc) and they are not trustworthy at all.

To make matters worse, my last payment coupon says that my monthly payment is almost $1,600! I can barely afford my regular payment of $1,215.75 as it is. I cannot believe that my home and my family's future is in their hands. I am tired of speaking to these liars and I do not care if they see my complaint because I have all the proof in my possession needed to also file a lawsuit against Bank of America which I will certainly do eventually. Additionally, they have horrible customer service and they ask personal questions and also give suggestions that are uncalled for.

One representative even told me to rent a room in my house to bring in extra income so I can pay my mortgage. I am not going to bring a stranger in my house with two small children. Please help. We have an autistic son with special needs and we have nowhere to go if we lose our house. These people need to be stopped. Bank of America is the ***! I am very sorry for this long explanation. Believe it or not, I was not able to detail many things. I would truly appreciate any help in this regard.

The notification of our new trial period was dated November 11, 2009, and was received on November 15, 2009. In the letter, it indicated to make a payment of $998.10 right away. The bank was closed so I made a payment over the phone. The next morning, I contacted Bank Of America to confirm my payment when I learned that it was not due until 12/09 I told them that I already made that payment over the phone and that was the only money that I had. I did not pay my 11/09 mortgage because I put that towards an attorney to help me with modification $3,500.00. I did not have a choice because dealing with Bank of America is close to impossible.

On 02/10/2010, we received a letter that we did not qualify for modification. When our attorney contacted the bank, they stated that they do not see such a letter in their system and that we were still in review for a modification. On 07/07/2010, I received an email from our attorneys office saying that they spoke with Bank of America and they stated that we defaulted on our trial period payment so we are no longer qualified for modification.

Without even speaking with me, in the email they stated that they will be closing my case being that I did not comply with the retainer agreement. I called Bank of America that same day, spoke with the payment research department telling them the situation and letting them know that I have all of the conformation codes of my payments, and told them that I pay my bills through online banking. They told me that they see my payments in the system and that I was still in review.

On 07/08/2010, I received a letter from the bank dated 06/28/2010 stating that we did not qualify for for a work out plan. But, I just talked to them a day prior. I once again called the bank and the person I spoke with stated that our income was too much. When I started to question, he could not answer anything, and that he did not know what to say and told me that I have to re-apply and start this hell all over again. My house is upside down, my husband has not work consistently for 2 years now and I am so far in the hole that I can't get out. Bank of America has been so unorganized and unfair to our case. We are now collecting unemployment and food stamps. Do we have a case or should we just walk away?

P.S. My loan is at a 7.75 rate and our payment is about $2,800.00 a month. We bought it for $340,000.00 and is now worth only $219,00.00. It is a 30 year fix rate.

The women took all my information and we received a loan package in the mail in July 2009. However the loan package went by our income in Tenn. and it was made very clear that if I signed the papers stating that income, I could be charged with perjury. We have been calling them ever since. We have mailed them our paystubs, bank statements, tax returns, unemployment, everything they have asked for on 6 different occasions. On Sept. 22, I was told over the phone our mortgage payment would be approximately $858 a month. I said great and would wait for the package to come for me to sign and mail back. On Sept. 30, I received a letter from them stating I had been turned down for the modification. I immediately called them and spoke with Elva at 5:54pm and was told that was in regards to the original modification and wait for the new package. I said okay. However, after a month and still not receiving the package I called them again. I was told I chose not to do the modification and they were starting foreclosure procedures again.

Ever since then, we have been on the phone with them every two weeks on Monday in regards to a modification. Three weeks ago, we finally started working with only one person and we thought we were finally going to get something accomplished. However, today we received a letter today stating that we were turned down for the modification because we never returned the package for the $855 a month payment. We have been telling them for months we never received a package for that amount. We are the perfect example of why the loan modifications were put into effect and feel we have been doing our part. We have faxed them everything they wanted, gone to a credit counselor at there request (to be told we are handling everything fine, we just need to find jobs, because Florida unemployment doesn't pay enough for us to be able to budget on what our bills were. ).

Both of us were collecting unemployment when we moved back into the house. I found a job in Aug 2009 and reported it to them. We have friends that separated for about six weeks and they applied for a loan modification in Oct 2009 and received it and have already done their 90-day trial period and we are still fighting for it. The government didn't set up loan modifications so you could separate from your spouse to take advantage of lowering your payment. They set it up for people like us that were unemployed though no fault of our own. If we are unable to get a loan modification we will be homeless. My husband started back to work in Dec. 2009, however he has taken a $3 an hour cut in pay. I am still unemployed and my benefits ran out on Monday, July 5, 2010

Luckily, he was able to abort the draft, and we suffered no damages. After reading many internet articles about identity theft class action suit against Countrywide (the mortgage company acquired by BofA prior to our mortgage deal), I can't help but think this was a breach of confidentiality related to the practices of Countrywide.

The second alarming incident did result in our suffering damages of more than $2000. When we did the mortgage refinance, it was done long distance over the phone with Heath. He mailed by FedEx the documents to a local BofA branch for our signing. An attorney was not involved in the closing, because this is not required by the state of NC. An employee of the local branch supervised the signing of documents.

Apparently, it was a practice of Countrywide (now part of BofA) to slip in a disability insurance form with their mortgage documents, knowing that most consumers do not take the time to read every single sheet of paper they are asked to sign.

Today (7/9/10), we again refinanced our home to take advantage of low interest rates, and the attorney helping us told us about this practice of Countrywide (now BofA). He said that when he does a closing, he rips up the disability form that they include as a matter of routine with the mortgage documents. He does not want his clients to fall victim to this scheme nor does he think it is his place to "sell" disability add-ons for BofA.

The way the disability insurance add-on worked was that for the 1st year, the insurance is "free." Therefore, the homeowner does not notice a change in his monthly mortgage payment. The amount is exactly as discussed when the deal was made. In 1 year, BofA starts adding on the insurance. For us, this meant an additional $397 per month added to our mortgage payment. I noticed that the payment had gone up, but I didn't know why, thinking it had something to do with escrow.

When we started looking into refinancing, my husband noticed a fee for $397 notated as "other charges." He asked about this and was told this was for the disability insurance we requested at closing. I was appalled. I already carry adequate disability insurance with NW Mutual. We immediately called to complain. I cancelled the insurance, but I had already paid $2400 or so in fees from Jan. to May 2010.

After much complaining, we were finally able to talk to a supervisor, and all he would do was refund fees for the month of May totaling about $397. He refused to refund the remaining $2000 I had already paid since the date the disability insurance fee went into effect.

Our closing attorney today suggested we go online to look for class action suits involving disability insurance with BofA or Countrywide. I have been searching and have found many lawsuits,but none involving the disability insurance scheme. Any suggestions?

I am still paying for my house but having this loan in place would allow me to pay my bills and avoid bankruptcy and allow me to be a productive member of society again. Why are the banks allowed to continue this savagery? Do something please! With the economy failing like this, and I blame all of it on the scams the banks put on the American people. I have not been working as much, I can't pay my credit card bill, destroying my credit and therefore putting me in a precarious situation. I can't even pay my taxes at this point. I need this new mod loan to relieve me so I can pay my bills like I ought to.

Meanwhile, my loan was transferred to Bank of America (BA) and the process to my knowledge was suppose to continue. I made several calls to inquire about the process and was told to send the $503.75. I did that, now this year in January, I got a letter from BA stating that I didn't comply with the trial payments and was being removed from the program. I was then told that I needed to make 12 trial payments. How could I do this when the trial period was stated to be 3 months? Now BA wants to begin foreclosure proceedings on my home when they have been taking my payments every month. This cannot be legal! BA wants me to pay them $26,700 in order to avoid foreclosure and they are refusing to help me in retaining my home.

I will receive them in approximately 1 week. The loan modification paper will take another 45 days. When I asked to speak to his superior he stated that he would not transfer my call to anyone else. When I asked him for the name of the VP he did not comply. I again asked him to speak to his manager and he denied my request. Bank of America (according to internet complaints) has a habit of re-requesting the same paperwork and giving you the go around on the phone. They claim they do not want to keep you home but do nothing to help you. What happened to Obama's Loan Modification?

When I asked what number they called, he gave me 2 phone numbers that were not mine. Calder **, who was the negotiator, gave me his email address and had my email address as well as my cell number. He never, never contacted me! Mr. Aaron just stated to me that on June 25 I was denied. Bank of America purposely did not accept monies and did not response in order to keep my property. Please help me!

Let me back up a minute and explain a few things. In 2009 I had to move out of my house for medical reasons. I called BOA and asked if it was okay for my niece and her husband to move in and make the payments. They said it was fine and just continue with the payments. I thought everything was okay until the foreclosure letter arrived. I called the bank and they gave some kind of nonsense answer. It seems you get a different answer every time you call. So, I still have no clear answer. The money my niece and her husband had paid is still sitting somewhere in some account and has not been applied to the loan. I can't get an answer for that.

I requested a payment history statement that I had no idea of how to read. I called to see if anyone could explain it to me. After being put through 3 different departments, I still have no idea of how to read it. It seems the people in these departments aren't taught how to. At this time, a date for a sale could be set and I don't know anymore than I did about the loan modification. I just keep filling out the same papers and sending them back and wait for the same papers to come back so I can fill them out again.

I think BOA should get their act together and get on the same page with all the departments. People are losing this battle because of this and it is up to us to correct the bank's mistakes ourselves. If you don't call every week or so, you could lose your house before you have a chance to get the loan modification to go through. I have even talked with the debt collections department that is handling the loans and they even admit that BOA doesn't have it all together. What does that say about this very large bank? They are mentally hurting people with their practice of handling the modifications. Banks have gotten too large and too powerful that the consumers don't have a chance. It's do what they say or lose everything.

Immediately, my agent put the house back on the market. We got 4 offers, accepted one and sent it to the bank. It had to be reassigned to someone new. About 2 months went by, the offer was accepted by BoA but the appraisal didn't come in high enough. So they had to restart the whole process all over again instead of just changing the price. We were ready to close and they sold the second mortgage to another company, which held it up even longer and we lost buyer #2. Back on the market and we got another buyer, offer was accepted by BOM, second mortgage place accepted the offer. Ready to close in December, someone along the way left the water on (after we had winterized the property). The pipes exploded and flooded the whole house.

Buyer #3 couldn't wait for it to be fixed and had to back out. BOM was horrible to get through to someone who knew what they were talking about, they didn't seem to care. I took care of dealing with insurance, bank, contractors, etc. for 7 months! Now, we have buyer #4 but the bank has since decided to play hardball and they seem like they want the house to go into foreclosure. This whole process of selling my house has been a second job. I am beside myself because I don't know what to do, I want recourse but don't know where to start.

A few years ago I looked at my mortgage. I viewed it online and noticed some discrepancies. I could not go back any further. They only let you see so far back. Naturally I did not think I needed to check anything since it was all on auto pay amounts. I worked along time with the mortgage folks to resolve those discrepancies. It never got resolved. I was worn down. I could not keep working on the problems month after month. So I put it behind me thinking that hopefully, magically, they are crediting the principal amounts correctly. I do have a life to try and live also. We all know how frustrating it can be to have an online or phone problem that seems to go nowhere.

So many months later, I made a random check of my mortgage account. This time I saw they actually changed the amounts being applied to my mortgage. By the way, it was set up as a 15 year fixed interest; no escrow of taxes or anything like that. It is very straight forward and simple. So I called and inquired. Naturally, all they seem to say is, "Thank you for holding and I am here to assist you," something like that. Anyway it also does not get resolved. Then I think, "Gee, this is possibly costing me a lot of interest. Since they are applying my payments incorrectly." I started trying to figure some of that out and noticed that they are charging me late fees. And not even applying the additional principal amounts that were originally scheduled. So again, I started the calls to virtual land of people behind the mask of the phone.

On one of those calls, the folks on the mortgage side said I have to work it out with online banking. I made the other call. Online banking says no and that I need to resolve this with mortgage folks. I then got an ingenious idea: I will get both groups on the phone in a conference call. I was not up to their rolling me over again; of course, when I can get time to make another call, since I to have to work. That day came and I made another call and I got a new mortgage lady. She starts off same ole- "You have to go to online." I asked her to hold. I then got the online lady on the phone. We are now on conference call. No exaggeration, for three hours they both tell each other that it is their problem and I am left hanging the bag. I politely and let me state that I fully realize that honey is much more inviting than a bad attitude on the phone with people who can just shut you down.

I politely asked to move on to supervisors. They were more polished but the same outcome. At least the one lady at mortgage services stated she was going to look into it and call me back. I asked, "Are you sure?" "Yes, I will get with my other team members and call you." Several weeks go by, I decided to call back to virtual land and immediately request a supervisor. It is near impossible to get the same person as before. Is that planned? So with the new person, I went through the entire thing again with him. Guess what? He assures me he will get it resolved.

It has been over a month and I have not heard from him. By the way I have learned by now to ask for people's names and extensions. I have several names of those involved. So with no luck on the matter and my mortgage is just getting messed up to the max, I happened to be in a branch office getting something notarized. While at the clerk's desk, she asked something like "Is there anything else I can assist you with?" And I said, boy, I wish the folks at BA would get my mortgage account straighten out. So a lengthy talk starts and another women gets involved. She states she will look into it and get to the right people. That has been a month ago. No one has called. What do you know?

Just tonight in writing this short version of the events, I looked at my mortgage statement online. Guess what? The amounts are incorrect still and the additional principal amounts are nowhere to be seen and they have applied a new late fee for this month. By the way, I have a 780 credit score. I put things on auto pay so I never could be late. And with so much frustration that has been building with extremely low and poor service standards at BA, I was thinking, does anyone else have problems with BA?

I typed in Google and yes is the answer. So I too am willing to share with the world that my experiences with BA have been absolutely nothing but__, you can put in your own verbiage. I don't speak profanity, however I am definitely disappointed both in the company because I think they have some knowledge of their people's actions. They do say they are monitoring the calls all the time. What a joke. But mostly I am disappointed in the people themselves. What has happened to people wanting to take and build some pride in their careers or jobs?

Yikes, it is scary how people just simply don't care about much, particularly us, the ones who make their jobs possible. Besides having names, we are clients and customers. In closing, I will say that I think a couple of years to get some basic posting things taken care of is not to much to ask. I will be looking to move to some other organization as time permits. I would not be surprised if it is costing me over the contracted amount of interest that was agreed upon in my loan docs.

Now, she sent me a letter closing my account on 6/07/10. She only called me 6/08/10, after she closed the file. I was told by Catreal that my file will be reopened by someone else. He left her numerous emails and messages and she won't contact him either. I now try and call Catreal almost daily and he will not return any of my calls. I was told I qualify for the modification, but now my file is closed and I don't want to lose my home. Please, I can't reach these people to complete my file. I have done my paperwork over 4 times for this bank.

In 2-2010, I called and a rep stated that the documents were prepared. They were waiting on the investor to approve it or deny it. Then in June, I received the letter stating that the investor will not gain anything by giving me a modification. And that they will be looking into other modifications for me. I should receive an answer in 10 days. Now on 6-28-2010, they send me another letter telling me that I have two options A Short Sell or Deed in Lieu foreclosure. I am trying to keep my home, I have three kids and don't want to have them moving from place to place.

I see they offer so many programs and I am not approved. I have been at my new job for nearly two years. I am trying my best to excel and put a plan into place not to loose my home but the bank is just offering me to short sell or Deed in Lieu foreclosure. I contacted a lawyer to see what if they can help me. I need something done. Do not want to loose my home. Divorced, lost my job, went to school to advance myself.

I made four payments and received an escrow schedule. I called to make another payment which was refused. I talked to the operator and was informed I was never in a trial modification and they had no record of me ever setting it up in February with one of their reps. In June, I received a HAMP form from the bank. I called with a question concerning the financial information they required. Not only did my initial contact give out wrong information, but she also had her supervisor confirm it. It did not sound correct so I called back to another number. That person got it right. When I asked her how this could happen, with people's homes on the line, it was explained that sometimes these things happen. Good luck to anyone dealing with Bank of America!

I paid them $3500 and they didn't do anything. Now I'm in foreclosure and don't know what to do. I've been contacting BoA since September, only to be told not to call anymore until they have a decision. There's nothing I can do but to walk away, I've been denied and it's in review. The lawyer they retained avoids my phone calls and I even went to an event they threw in D.C. to talk to lenders directly, only to keep being told that my loan will still be in review. I am for foreclosure and got nowhere to stay. I am stressed out and have anxiety attacks.

I am now upside down in my mortgage, but not previously! To try to obtain a new refinance would not work due to this! They are trying to purposefully ** me.

I have been told half of the house sits on my land and half sits on someone else. They said the front door of the house is turned the wrong way. The roof is and gable is off in measurements. An agency approached me because they wanted it for the highway right of way. The title does not even state my name right. Sure, it has termites, unleveled walls, floors, windows, doors and floors but it is a blueprint that took tireless hours and sacrifices. We had shady contractors who did rip us off. After Katrina, forbearance was promised and modifications. I was told don't send money in. I was told waiting for approval from investors is going to take some time. I have had an advocate since November 2009. Bank of America said that modification has been approved, yet I received a foreclosure notice.

I was told that date would be postponed and then it appears in the paper anyway. I am so tired of empty promises from Countrywide and Bank of America. I am dealing with sexual harassment from the census, misconduct from the Wayne County School System and much more. Are people trying to make insane? Mortgage promises has failed and job hunting has failed. President Obama, please do not fail us. Please direct us, refer us to immediate help before July 15, 2010, please. These are some of the government enforced programs I've found. I have heard of all of these programs and settlements. How does it apply to my four children having a roof over their heads?

I explained to the CSR that we did the modification and we are up to date with our payments since Dec of 2009. They had no idea what I was talking about as there was no completed modification on our account. After speaking with 8 different CSRs, I demanded to speak with someone who could give me answer as to what was going on. I got this manager who told me that "there were a pool of modifications that were done around the same time frame our was, that did not get processed and we are really sorry about that. But there is nothing we can do now about it". What? You sent me the paperwork, I completed it and returned it and you guys didn't do your part. Now in 30 days, my house can be up for foreclosure because you BOA messed up? I was told "yes, we are very sorry but you were not the only ones this happened too".

He then let me know he had spoken with 3 other customers last week about the same thing as BAC never alerted us, the customer, that the modification did not go through and now 6 months later, there are handfuls of families receiving letters in the mail and phone calls that we are delinquent and can be foreclosed on if the delinquent amount is not paid in full. If the modification did not get put into effect, why didn't someone contact us? Why did you cash the certified check we sent with the modification? How can you say "sorry we ** up, but we don't have to make it right?". I now have to go back through the attempting to get approved for a modification, which the first time took almost a year and hope they don't take my house from me in the process and my credit which should have been clean for the past 6 months is not the case. We show as over 120 days late on our credit score with the loan. We are screwed and at the hands of BOA.

I want back to the BA branch to ask for help from there loan spc. With arms folded, she said, "Sorry, there's nothing we can do for you right now. Maybe if you were behind in your payments." Well, the new job didn't give me enough hours to keep up with payment and the bank wouldn't take half payments so I did what I could and started falling behind. First one month, still no help from the bank or loan mod. department. Then, two months behind, no help. No help still.

On 06/08/10, I got laid off again, still no help. On 06/30/10, I lost my union benefits, health, dental, vision. For $800 a month, I could pay union to keep them. Not enough money to pay them. On 06/28/10, I want to get help for may car loan through BECU. They said they may be able to help. So on 06/28/10, I tried to downsize my car loan to get something cheaper with only the home loan behind. I tried but the credit is bad now. I can't do that. So let's see now, lawyers want $3500 to help. Banks won't help and I couldn't even rent something if I tried.

If I get sick at the age of 52, I will be screwed. I think I will get together with all the other people in the same way as me and start a tent camp in the parking lot of Bank of America. America, home of the free and the brave. Haha! Oh by the way, I bought my home for $306,000. It's now at $212,000 upside down and my car upside down and soon I'll be upside down. Thanks for listening. Scott up side down. In my line of work, it's far and few between for jobs and dog eats dog to keep or even get a job. Cost for everything is going to taxes, food gas, etc but the union wants to take a $10 an hour cut in pay.

The first guy told me the bank had been trying to get a hold of me and that it appeared one of the employees incorrectly inputted my number and that is why they couldn't reach me. I have been attempting to get a home loan modification since November 2009. I am completely frustrated and discouraged that our tax dollars are being wasted and people like us are not even able to get assistance.

My husband and I have worked our whole lives and he was hit head on in a motor vehicle accident and we are turned on and denied help from everywhere we turn. We need to file a class action lawsuit against Bank of America.

Each call averages 5-7 different reps. Every time I call I am immediately bombarded with questions about my loan balance. Yes, that's why I'm calling! I'm trying to work out something so I can afford to remain in my home. I want to work with them! They just disregard my calls. It's funny because they don't have a problem calling me 10 times a day about my one-month late mortgage payment. It's also amazing to me that the Better Business Bureau gives them an A+. Obviously no one at the BBB had a loan issue with Bank of America! The result is that one month late mortgage payment is accumulating and ruining my credit. I was under the impression this process would be taken care of within 30-45 days.

I was told by a Customer Service Representative that its B of A's plan to get as much funds as possible and they still foreclose. I want to keep my property until values increases. Please help. This is killing my wife and me. I am losing my home. We will be homeless with no credit and we can't even rent. This is an evil plot and they use tarp funds to eat up the little guy.

I tried to explain to them that the home was being occupied by me and my husband. Still, we received no paperwork and they can’t find the 51-page document we have sent them since March, April, May, and June. I decided to give a phone call to Bank of America one more time. This time, I got hold of a woman named Quiota ** and Eduardo **, who actually seemed to care. But our documents are nowhere to be found. I explained that my husband is very ill, 100% disabled military. I also explained that the sale of his home and forced move would likely kill him. Once more, I gave Bank of America the information they need to modify the loan. My husband has defended the United States military for 24 years and worked his entire life and paid into the system. He has drawn Social Security about 6 years.

This is the same bank that received how much in bailout money? Oh, yeah, it was $15 billion according to USA Today. And then, according the CNN Money, another $20 billion in cash and $118 billion in assets to take over Merrill-Lynch. What is wrong with this picture? How much longer will the government allow Bank of America to do this to its citizens? Don't you think it is time to look into Bank of America and put a stop to their disrespect of American taxpayers? I will fight to the end to keep my husband in his home.

My credit score continues to plummit because Bank of America cannot seem to get their act together. I've had to pay 2 years of home owner's dues because of their incompetence. They are trying to make me purchase a $5,000 insurance policy after my old one expired, and have caused an enormous amount of stress and anxiety in my life.

My house payment went from $2,000 a month to $4,000 a month and Bank of America paid my property taxes and house insurance, which I had already paid. They added an escrow account to this loan and it is $1,800 dollars a month, which comes out to about $22,000 a year, which is double what my taxes and house insurance cost. My new loan, which is through Bank of America as well hadn't went through yet. I called Bank of America and they stated that they need the money back from the taxes and house insurance they paid. I told them that I never signed any contract and Bank of America had no authorization to pay my taxes and house insurance. Bank of America stated that they can't change my payments back to what they were before they changed the loan until they get their money back.

My house payment was due on June 16th of 2010. My wife called back to Bank of America to inform them that we have a new loan that is ready to issue, but because of the mistake on their part the loan hasn't been issued yet. Bank of America stated that they would give us till June 30, 2010 to pay June payment and in that time the new loan would come through and we wouldn't owe a payment for June at all. Well I then find out that they will not issue the new loan until they get the money for the taxes and house insurance. I have went to our local branch and gave them all of this information and told them what has happened and they say they are working on the situation and will get back to us. I have since then contacted the Attorney General's office and filed a complaint and I have also contacted my Illinois Senator Dick Durbin's office and will file a complaint with them as well. I believe my credit will be affected. There will be late fees involved.

I told them that I have a 23 year old son that is disabled in a wheelchair and needs assistants at all times and that my home had been modified to accommodate him and one person told me so what that’s your problem not ours. Four years of ** from this company. I think these company’s need to be taken to court and sued. The Obama plan HA HA HA what a joke there not doing anything to help anyone but themselves. I had been right on top of my house payment until my divorce it was a bad one. I’m still on top of my bills and always pay what needs to be paid. Except I am really behind on my house bill now because of financial hardships and lower income now, but they don’t want to hear it. It’s not them that are going to be homeless.

Eight months ago wouldn’t that be the first thing you check? Last time I checked I pay my payment to bank of fraud! They sure are not for the American people. I’m still fighting this and am seeking legal representation. However another lesson does not pay anyone up front for their help. There are firms that will help you and when you get your modification then they get their money.

He informed me that the sale price was more than enough money to cover the loan and this did not qualify as a short sale. He suggested I have the Title Company request the payoff. After submitting the sales contract, the Title company contacted BOA for the payoff. BOA requested our S.S.#'s along with the loan account numbers.

Finally on June 3, 2010, they said we would receive our payoff within 5 business days. As of the 23rd of June, we have not received the payoff. We have requested our attorney to call BOA's attorney for the payoff. They have not returned his calls. Obviously, we can not complete the sale of our home without the payoff number! We are afraid that our buyers will walk, if they have not already! What should we do? Because of BOA's neglect in giving us our payoff, we can not sell our home. We are trying very hard not to lose our home to foreclosure but it seems that BOA is intent on taking our home anyway they can.

Now that the modification is complete (?) 2 payments were made - June and July. No money has yet been sent to escrow and I have been told by escrow that my escrow amount is now $830.01 a month so that all items can be paid. I have not received any paperwork of what has occurred on my account as far as where the money from the modification has gone. I also cannot seem to find the correct person to answer my questions, complete run-around. As far as I can tell, the only thing that this has done is stop the foreclosure. I was hopeful that this would have been the end of my hassle with these people. I was told to call the legal department later today when they open. Please advise. The mortgage payment that I thought was going to be $1092.64 is now $1369.91.

I made all my payments and called BofA to find out the status. They verbally said I was approved and should receive the paperwork any day. Any day turned to weeks and numerous calls from mobile notary services on behalf of BofA congratulating me and wanted to schedule an appointment with my ex and myself to sign the paperwork. My ex was not supposed to be on the paperwork and Bank of America. I explained to mobile notary public service I had not received the FedEx paper work to sign. He advised me to contact BofA. I spent two hours on the phone inquiring and asking questions if my ex was on the paperwork since I filed the modification and had divorce decree. I was transferred eight times and no one could answer my question other than the FedEx envelope could take one to three months to receive.

Meanwhile, I received a call from mobile notary service again. He asked why I declined the mobile notary services. I did not decline. I have not received paperwork from Bank of America. He stated once I get the paperwork to give mobile notary a call. Seven months into my trial modification and still waiting for paperwork. I called BofA and asked the status of my modification. I am told that on 04-10-2010, the paper work was fedex'd and returned. Really? I put in phone calls every month regarding my status and waiting for the FedEx envelope. What now? A whole new process again affecting my credit and the same runaround, poor customer service and right hand doesn't know what the left is doing.

Prior to trying to do modification on my own, BofA would not help me since I made my payments on time. Once I struggled with payments, they still wouldn't help me. Ultimately, I had a company initiate the hardship and paid a company that took the money and bailed on me, damaged my credit, cannot track UPS envelope or give me confirmation and now facing no choice but to foreclose.

In the late part of November I spoke with Michael who was the department head. I was told by him that there was nothing in my file stating I was working with NACA, that I was still in bankruptcy and he couldn't talk to me but as soon as it was over to call back and we could work something out. (Bank of America already started foreclosure in May of that year.)

When the bankruptcy was done I called Bank of America. I stated that I wanted to keep my house and the president's Home Save program had five requirements and I fit all five. I wanted a loan modification and could they help me. The trust deed sale date was December 10, 2009. They told me not to worry that the date wasn't a "True Sale Date" so I said okay and hung up. I called Recontrust and spoke with Sharon. She stated it was a true sale date and I thanked her and called Bank of America back. I was put on hold and transferred for the next three and a half hours. I finally spoke with Myra, a department head. She told me again, "not to worry" it wasn't a true sale date and they were working on my loan modification package, these take anywhere from three to nine months.

I hung up and then called the Attorney General's office and told them what had transpired. They gave me the number to the FBI and the controller of currency and told me to file a "fraud" complaint. I should also call Bank of America again and try to work things out with them first. If they were lying to me they were doing this to a lot of people.

I was told that the government gave the lenders the bailout and great incentives to do loan modifications and that they should exhaust all possible measures of loan modification before they even start foreclosure proceedings. I then called back to Bank of America and spoke with Myra again. When I told her I called the Attorney General's office and stated what they told me to say, Myra then told me that my loan modification package was right there on her desk and she was just finishing the last details, I should be receiving my loan package within 8 to 10 days. I asked her about the trust deed sale date and she got on the phone with Recontrust and I watched my date be postponed for 30 days.

Myra then came on the phone and told me that I had to call every month one to two days before the sale date not any earlier, they couldn't do anything earlier to have the sale date postponed. Myra also told me that my specialist name was Patricia and to ask for her from now on when I call. I called Bank of America every week, leaving messages for Patricia but she never returned a call. I never received my Loan Modification Package. I kept asking them where it was and they were always working out the last details. I asked them if there was anything I could do to help them, did they need anything and I was told, "Margo, you are fine. We have everything we need. These loan modifications take anywhere from 3 to 9 months. I would call and the date of the "Trust Deed Sale" would be postponed by Sharon someone else that was a manager also.

This went on for three months. On the fourth month March, I called and was told that the sale would not be postponed! I got very upset, and asked why. I was told my loan modification was denied on the 10th. I asked for what reason and I was told that I didn't furnish them with the documents they requested. I asked them what documents, they didn't know. I asked them who requested these documents, they didn't know. I asked them how the documents were requested by phone, mail e-mail, they didn't know. I asked them when were these documents requested, they didn't know. I was told that they were on the line with Fanny Mae and Fanny Mae wouldn't postpone the sale. I asked her who at Fanny Mae was she speaking with, she couldn't tell me. I asked her for a phone number for Fanny Mae, she didn't have one.

I called the Attorney General's office and was told to call HUD and Home Save. I called them and with Home Save I spoke with a gentleman. I told him everything I just stated and he told me he was going to call upon my behalf. He did and as soon as Bank of America heard the call was being recorded they wouldn't talk. If he turned off the recording the employee would speak but if he didn't he could not answer any questions. So he/we hung up with Bank of America and he spoke with his supervisor, and we went through any financial obligations to make out a budget. After we finished we again called Bank of America. They had transferred the call and we were on hold. After so long we hung up and he told me to call back and speak with his supervisor. I then called Bonnie ** with Bank of America. I told her what was going on and she said she would get back to me. The next day Bonnie called me back and stated that Bank of America requested documents from me three different times. I asked her what documents, she didn't know; what dates, she didn't know; who requested the documents, she didn't know and I asked her how they were requested, she didn't know. Bonnie told me that she would find out and call me back.

The following Tuesday Bonnie called back and left a message on my phone stating for me to call NACA. Bank of America had contacted NACA for the information and was waiting. Not to worry they could get my house back, no problem. I called NACA, I was number 49 when I was put on hold. When I got to be number one, nine hours and 15 minutes later, I was disconnected. I tried to call back but no one answered the phone. A recording came on stating the office was closed and to call back.

The next day I called Fanny Mae and left a message. You have to wait until they call you back. I spoke with the receptionist and he told me that Fanny Mae was all about saving people's houses. He asked if I had looked at their website, I said no. He told me to look at their website and then call back. I did, yes their website was all about saving people's houses and I did call back several times, but I could never speak with anyone. I had to wait until the level three or level two agent called me back. Both times they called back I couldn't get to the phone fast enough. They never left a direct line to call back on, I had to call the main office and then someone would get back to me when they could.

The following day I receive a paper taped onto my front door from Fanny Mae stating they are now the owners of my home and gave me the phone number to a real estate agent that was handling the case, and listed my options. I called Tylor and left a message to please call me. He returned my call and asked me how fast I could be moved out. I told him there must be some kind of mistake, and told him what I have written above, that Bank of America was working on a loan modification for me and that the two departments weren't speaking with each other and this has to be cleared up. I told him that I would call him back.

I called Bank of America and spoke with Michelle, because Patricia wasn't there. I asked Michelle what happened, why did they do this? Why would they tell me they were working on a Loan Modification and then foreclose. Michelle stated that they requested documents from NACA and they didn't receive them. I asked Michelle why didn't they request the documents from me because we were working together, and I was told to work with Bank of America and not go through NACA? She couldn't tell me. She then stated she had to go. I asked her why didn't they just tell me from the start the truth? Why did they lie and tell me they were working on a loan modification when they had no intention of giving me a loan modification to begin with? If they were just honest with me I could have done a Deed in Lieu of Foreclosure, or a Short Sale, or something. Why did they wait until the last hour when there were not any options left? She couldn't tell me the answer, she just hung up.

The following day I called Tylor and told him I was in shock. I needed time to think. He said he understood. I called him back and told him one of the options were I could lease or rent the house. He told me that they had already started eviction, it was normal procedure, they do it to everybody. Again, not to worry. He would see what he could do about me leasing the property and get back to me. I received a three-day but not to worry. I received a callback from Tylor and he stated he did a drive by and "it would be in my best interest to hire a gardner" so I did.

Next I receive a summon and complaint, that I am being evicted and I have five days to respond to the courts. I then went to the courthouse and filled my answer to the unlawful detainer and I am waiting for my court date. I have been researching and found out that once an "NOD" is filed the statue of limitations is 365 days, after that a new NOD must be filed. The NOD was filed on 2/2/09 and my house was foreclosed on March 18, 2010 without a new NOD filed. I am waiting for an answer from the controller of currency and hoping to find a real estate attorney who would take my case on a contingency. I have all of the dates of correspondence with Bank of America and the names and titles of their employees I have spoken to. I have filed fraud charges with the Attorney General's Office, the FTC, and the Controller of Currency. I am still living in the home.

My 13-year-old daughter was so worried about losing the house she became depressed and was taken from school to a youth hospital for a 72-hour hold. I am also depressed and feel as if the lenders are the ones that caused this situation and don't have to rectify the problem. They can lie and say whatever they want to get the end result. Fanny Mae states that my house was sold to the highest bidder but the house is an REO, but on the unlawful detainer they show an investment company as the new owners, not themselves. But it's an REO, not sold to the highest bidder. My husband and I are divorcing because he couldn't take my consumption with trying to save our home, and has taken a position in Sacramento, Ca.

The supervisor my wife spoke to told us to continue making the original payment that we were set up for, and that we should be receiving paperwork in the mail in about three weeks. We never received any paperwork and the next thing we know, we are being handed papers for foreclosure. Needless to say, this made us very angry, so we contacted the bank once again and they told us that according to their info on the computer, we were not in foreclosure. Please try to follow because this is so messy it's not even funny. I then told them if we were not in foreclosure (which we shouldn't be due to the fact that we called on time to apply for the MHA loan, regardless of their error, and were making payments), then they had better contact their attorneys who had the papers delivered to us.

Okay, that was taken care of so at this point, I spoke to yet another supervisor, whose name I mentioned above (Jennifer **), and she told me that if we had any more problems, to contact her directly and she would handle it. We were also told to keep making the original payment from the payment plan they set up. We made our payments on time every month, first of the month to be exact, still never received any paperwork or phone call from Bank Of America to let us know the status of our loan modification.

We then received a letter from BOA saying that we could possibly be in foreclosure if we did not make the full payment, and on top of that, another letter was mailed to us with an even higher amount. My wife and I were so confused at this time, we didn't know what amount we should be paying. And I might add, we could never get a hold of that Jennifer ** again. That's when we decided to go directly to the bank but we were told they don't handle mortgage loans. I demanded to speak to a manager which we did, and he said he could understand our frustration. He then called the mortgage department and put us on speaker phone with another supervisor and they said we were still in the "pre-approval" process, but to keep making the full mortgage payment (not the payment plan we were on). To me, I still felt we got nothing accomplished at the time and left the bank very frustrated.

My question is, why didn't they tell us that in the first place? Why did they have us fax over a hardship letter, copies of bank statements, etc.? Who is qualified then? It seems like we keep getting the runaround and tomorrow we have an appointment with an attorney to discuss the matter. We can not afford an attorney but we are going to see if he can help us for a small fee..or possibly a pro bono case.

We have tried everything we could and it seems like no one over at Bank Of America knows what they are talking about. We get different answers from so many different people, it's not even funny. One supervisor told us that the notes in their computer system were so messed up, she couldn't even understand them. And this amount they say we owe, over four grand? What happened to the payments we've been making since December? Dec. through April were payments they originally set up for us.

Last month we made the full payment. If you add up all that money, there is no way we are behind that much, and yet they still threaten to foreclose on our home. Could this possibly be a scam? I don't know who else to turn to and hopefully this attorney will be of some help...maybe refer us to someone who can. I wanted to file this report to let you know how unprofessional this bank is and how much grief we've been going through for half a year now! They give no help whatsoever and I am the consumer who has been asking for assistance since Dec. of 2009. And yet this problem is still not resolved. I am just wondering if anyone else is having similar problems and if it is possible that this bank is trying to scam us. If I have to, I will go to the national news channel and report them as well. My wife is also being treated for mental health care and this situation is not helping! It is causing me much stress as well! Bank Of America hires incompetent people and I have a list of names here of all the people we have spoken to and I have copies of all the hardship letters that were written, other paperwork, etc. Nothing is solved. We have gotten a different answer every time we call. Are these people trained right?

How is that when they never said no and again they met the new owners of the business to solicit his business for merchant credit services and bank accounts and they opened up the checking account under the name of the building to deposit the rent in? And I have emails proving this. Plus, it’s been 3 years. Had they said no, I would never have entered into the lease, would have sold my business and the building itself, especially back then when the market allowed for it. Now based on the market, it’s worth $500,000 less than what I paid for it, and BOA knows I can’t get refinanced based on this. So now they want to steal my building, keep the $500,000.00 we put down, and again, I have been paying them on time and I did notify them in writing. Please help, God bless.

Below is a list of names, dates and results of my attempts at trying to recuperate the second payment made in error. On 5/14/10, I contacted bank of America regarding the additional mortgage payment charged to my account. I spoke with Miguel, he transferred me to his supervisor Anita. Anita transferred me to the mortgage department because there was nothing she could do. She transferred me to Daren and explained the situation. He asked me to fax my bank statement to 1-805-520-5019, Attention Payment Research, which I did and he told me that it will take them 3 to 5 business days to complete and make sure my money was deposit in my account. I ask to speak with his manager as this was not acceptable. I told him that I needed my money now. He transferred me to Nicole who was not available, so I left a message on 5/14/10 at 11:00 AM and asked her to call me as soon as possible to discuss Bank error. Today is 6/4/10 and I have not heard from Nicole.

On 5/15/10 went to the B of A branch on Sherman Way and Lindley and spoke with Ana (supervisor) she told me that unfortunately there was nothing she could and that the mortgage office was closed on Saturdays that I need to contact them @1-800-667-6607. On 5/18/10, I called BA at 1-800-667-6607 and asked to speak with someone in Spanish to see if maybe someone will be able to help me as I didn't get anywhere when I spoke in English. I spoke with Cecilia and she told me that she will contact someone at the mortgage department and she put me on hold. When she came back to the line, she told me that the mortgage department was unable to do anything because the bank statement I faxed was not clear enough. So I asked her why no one called me to tell me this. Why did I have to call to find this out? I asked her to transfer me to the supervisor at the mortgage department. She told me that no one in the mortgage department spoke Spanish and that is why she would not transfer me to them. I told her that I also speak English and to transfer me to them. She transferred me and I spoke with Tamisha. She told me that the information I faxed on 5/14/10, was not clear and they were unable to start the process and that I needed to fax a better copy. She also told me that if I have a checking account with BA this would never happen. I faxed the same form again and on my cover sheet I asked someone from the Payment Research to call me when they received my fax. They never called me.

On 5/19/10, I contacted BA again to find out if the fax was received. I spoke with Brenda and asked her to find out if my fax was received. She told me that yes, they received my fax and that it will take 2 business days before they can make the adjustments to my account @ Wells Fargo. On 5/20/10, I contacted BA to make sure everything was ok and that would get my money by tomorrow. I spoke with Beatriz and she told me that it will not take 2 business days that it will take 4 to 5 business days.

On 5/21/10, because I did not have sufficient funds to pay other bills, I went to BA branch again to speak with a manager or someone that could help me. I spoke with Maria, Assistant Vice President of the branch she also told me that she was unable to do anything from the branch that she will have to contact the mortgage department. She spoke with someone and they told her that everything was ready to process, however it will take 24 to 48 hrs for funds to be available on my account.

Again I checked my account on Monday 5/24 and Tuesday 5/25 and the money was still not in my account and I still have other bills to pay. On Tuesday 5/25/10, I left my work early to go to BA and talk with Maria to find out about the delay. Again, she contacted the mortgage department and spoke with Larry (his manager Megan) ** and he told her that the funds were released under request #04770495. She also told Larry that I was requesting an apology letter from them. He told Mary that there will be no problem that they will send the apology letter. At the end of our conversation, Maria told me that the funds were going to be released, and if I didn't see the money in my account by 5/26/10 to contact the mortgage department at 1-800-285-6000.

On 5/27/10 since the money was not in my account I contacted Maria again, and told her that they told us that the money was going to be in my account by 5/26/10. Since it is still not in my account, she told me to stop by the office and she will open a case. She did and the case number is (**). On 5/28/10, Elisa, from BA called me and told me that she received the case from Maria and that the funds will be at Wells Fargo no later than 6/3 or 6/4 due to Monday 5/30 being a holiday. On 5/28/10, I spoke and told her that I need to stop my automatic withdraw from my bank she told me that it was already cancelled; I also received a confirmation letter stating that the automatic payment was cancelled. I forgot to ask Elisa for the apology letter so I called back but I was unable to talk with Elisa. I spoke with Brandy and she told me that she did not know anything about the apology letter but that she saw that the funds were going to be available on 6/3 or 6/4.

Finally, today June 4, 2010, the funds were credited to my account at Wells Fargo. I am still awaiting an apology letter that I feel is due me, considering all that I have gone through to get this issue resolved. Because they ensured me that they will not take any money out of my account I paid my mortgage on 6/11/10 and the check cleared the same day. 6/14/10, Today I received a statement from my stating that my overdraft account was reported has been reported these incidents to the credit department.

On 6/15/10, I checked my checking account and again, I noticed the BA took and additional mortgage payment directly from my checking account. 1-800-285-6000 I faxed a bank statement and contact BA 1-800-667-6607 and found that this # has been temporarily assigned. I call 1-888-293-0264 and spoke with Teresa she told me that they show that I have some kind of speed payment? I told her that I do not have anything like that that I made a mistake and setting my account to take my mortgage automatically from my bank account and they took 2 payments last month and because of that I cancelled that. I also received a letter about this been cancelled.

Then I contacted Maria at **.

Due to the errors Bank of America made by taking an extra mortgage payment out of my checking account twice one in May and the other in June, that created twice that some of this money was taking from my overdraft account. Because of this, my bank now has lower my overdraft amount y $1,000 and all because Bank of America error and not reimbursing the additional mortgage within 24 to 48 as they promises. I check my bank account toady and the money has not been deposited.

6/21/10, I call Bank of America Liz answer the phone and I asked that I need to speak with Maria and she hand up on me, when I call back someone name Gonzalo answer the phone and ask him that I need to talk with Marian I told him that she was very helpful last month and I need to talk with her to see if she can help me again when Maria came to the lines she was very nasty I told me that someone else was already helping me I told her how can someone is helping me when they did not ask for my name or my account she did not give me the opportunity to tell her about the issue and she transfer me back to Liz. I Maria (Assistant Vice President) do not have time for the customers, what do we expect from the rest of the people at Bank of America.

I spoke to Liz and she told me that she understood my frustration and that someone named Douglas was working on my account and if I need to contact him to call 1-877-776-5842 x 1512417. I asked her to tell me what do I need to do so this does not happen again she told me that this will not happen again that the speed paid and the automatic paid plans were cancelled. She told me that they have been trying to fix this issue but they do not know why is happening.

6/21/10, I contacted Douglas @ 877-776-5842 x1512417 (11:54AM). He was not available and I left a voice message for him to call me and to let me know when the money will be deposited to my account. Stress, high blood pressure, my overdraft account been lower because of this, some of my other bill are been paid late because of this, my bank Wells Fargo has reported the overdraft account to the credit department.

Two days later I received from FedEx a one-page letter stating to make a new payment of $1,984.00 instead of my payment of $2,700.00. After making 2 payments my credit score went way down to below 600. After calling the bank I was told I was in a workout program. After writing a letter to the president USA, my congressmen, senators and BOA they started to reverse the lates to correct my score. To this day the credit agencies are still picking up the late payments even though the reports have been changed. My score is lower than it was in October 2009. After applying to Amerisave in April of 2010, my appraisal came in at $420,000. The in-house appraiser from Amerisave said it was $320,000 based on my zip code. They turned down my application.

I then applied to BOA for a refi and was asked how much my house was worth. I stated $420,000.00 and the rep said how'd you come up with that. I stated I have an appraisal from 4-26-2010. After BOA told me I could not do a cash out because I did not have 6 months of escrow, my score was too low 660 (because of them), and the appraisal by zip code would not qualify me. After asking if I did not do a cash out, they said all of the above would work. In the first conversation about the refi the rep said he would just put down I had the escrow in St. Mary’s Bank. I stated that would be lying, why would you say that if I didn’t say it?

This person was replaced by another rep who took over. BOA said they would pay for my new appraisal and sent an appraiser for a drive by. I saw the appraiser and told her it needed to be a full appraisal. It took 2 weeks to get the results. It came in at 370.000 this time but I was told my loan application was on hold because I sent them a threating letter last Sunday. I feel BOA put me into the MHA program to rid the bank of this Countrywide loan and turn it into a government security. They also received $500.00 for the application and $1,500.00 if it's modified. If BOA would have just done a refi in October of 2009, my neighbor’s house had just sold for $402,000 and it would have been a great comp for my house. Now they say the comp is too old. What a bleeping mess! I need help!

We think they have no intention of helping us. They said to make no payment until we get started on the program and that all the unpaid will be rolled over into the program and that we shouldn't worry. This is our retirement home, our only home. We can't lose it. Please help us. Oh, well, I explained some of this about. But truly my wife has become quite ill over this. The stress is taking its toll on both of us. I'm having difficulty focusing on my new job and I am really stressed all the time worrying about whether or not we are going to lose our home. My wife's health probably would really fold if we have to move. And where would we go anyway?

Despite the over 80k loss in income, we didn't qualify because we had not fallen behind on our mortgage payments. I thought they were kidding and requested to speak with a supervisor. The supervisor kindly advised me that because our mortgage was not in a delinquent status they could not help us. I tried explaining how our income was reduced and we can no longer afford the mortgage payments at such a high amount. The supervisor and I were on the phone for over an hour before he finally told me to fall 90 days behind on my mortgage and call back. He went so far as to tell me to take the money out of the bank too if I planned on saving it. He said people can just pay the lump sum for the 3 months of payments once their loan gets modified. I have never heard of something so irrational in my life! Their only suggestion, to a long term customer, was to not pay my mortgage for 3 months and then call back.

I am beyond offended by this "helpful" information provided by my mortgage company. I've heard this is common practice?! How is this legal? Advising a consumer not to pay my bills so I can get ahead later?! Needless to say, I will make cutbacks in other areas rather than ruin my credit for a lower mortgage payment.

Every month I ask for the loan docs, and I am told they are on their way, just keep making your payment, all the while receiving statements from my original loan amount, except showing me thousands in the rear. I call and ask over and over, but just the run-around. For the last 3 months, I have received a notice of intent to accelerate, with the date pushed forward each month, yet still they just keep taking the payment. I started to get more concerned so I started faxing them requests for my loan docs, and calling to see if they received. It took about 50 copies faxed, and a couple of weeks until one of the representatives finally said she could see it in the file. I asked her to read it and she said she did. I said, “Good, do you see where it says I am already approved, so there should be no more review.” She said, “That doesn’t mean you’re approved.” I said, “Excuse me, but are you telling me approved doesn’t mean approved?” She replied, “Yes, that’s what I’m telling you.” I am currently shopping attorneys. If anybody got this type of letter telling you you had to make the first payment by November 19, 2009 and have dealt with similar experience, speak up.

Two weeks later, I received another package containing the same thing, so I called the number on the package and was told that I had been entered into the program because of changes made by the government. Although I didn't qualify in January, I now did and they just put anyone who now qualified in the program.

I informed the representative that I didn't wish to participate as I had already begun the refinancing process through normal methods. I was then told that I needed to write a letter to opt out. I was upset because I didn't feel I should have to go out of my way when, as far as I was concerned, the issue was null and void. However, I wrote the letter and faxed it. I was told that it would take 30 days to process this. I asked that it be expedited since my processor informed me that it may impact my refinancing.

Four more Fedex packages arrived and numerous wasted hours were spent on phone calls, and 3 months later, I am still showing up in the HARP program/modification, etc. I closed on my refinancing on June 11th, but it officially closes on June 16th. I pulled an updated copy of my credit report on June 14th and was shocked that Bank of America is reporting that payments are being made at modified or reduced amount.

I spent 52 minutes being transferred between departments to "someone that could help", and ultimately agreed to allow a supervisor to call me back by 6pm EST, and it should come as no surprise that it didn't happen. I called again this morning only to find out that pretty much nothing has been done. They confirmed that my loan is still showing in the program despite the fact that there are numerous notes of request to correct this. Once again, I am promised that it will be taken care of, however, I have no faith or comfort in that based on my past experience. There are numerous phone calls and names but this is the overall short version.

My husband and I moved out because it is an interest only loan that will end. We have negative equity and his overtime is not sufficient to keep up the payments. They would not refinance. However, they want the regular payments each month.

Today, as I was getting ready to send off my payment, I get a certified letter in the mail, stating they were starting foreclosure on me. When I called them, I was told I was late nine payments and that I was not in any loan modification program. I was then told that my modification had been denied April 30, 2010. I never, ever, received any notification that my modification had been denied, ended, and why. I spoke to another person at Bank of America about this and he admitted that there was no reason given for cancelling this modification nor was there any record of notifying me about this.

I had done everything they asked. I continually called them asking the next step, and they deny my modification, do not give me a reason, and fail to notify me of this. I am a single person that is supporting my mentally retarded/autistic brother who lives with me. My son just moved home two months ago after he was laid off last year and lost his house and another friend of his moved in with us as well as his hours at work have been cut to 8 hours a week.

There are 4 people living here--one of which is a handicapped, vulnerable adult. Now we are all going to be homeless, despite all my best efforts because Bank of America did not give me any notice or reason for denying a loan modification. The stress has been unbearable. I have been physically ill all day. I face loss of employment if I take too much time to try to find somewhere else to live. If it was just me, I could deal with it; but I have to provide a safe, secure environment for my mentally-retarded, autistic brother. Can't something be done about Bank of America? Why do they get away with this? I've heard and read tons of horror stories, but nothing seems to happen to them or be done. Please, someone hear me: help me, please!

I was contacted today (via letter) that my account was behind by $1740 even though I have been making my mortgage payments (automatic bill pay). I also have a collection agency calling my home several times a day. Please tell me the little guy doesn't have to get screwed by the huge financial institutions again. I’d be grateful for any help or guidance.

The seller, on the other hand, had two mortgages on her home. The first mortgage was with Community Bank and the second mortgage was with Bank of America. Waiting for the banks to approve the sale of this home was a long and tedious process. The seller was told when she initially entered into the contract, that it would only take fifty-one days. It has taken six months!

I have learned a lot about short sales during this process, specifically, that there is no one at the bank to whom you can speak directly even though they have a short sale department. The bank will give you an e-mail address to send your inquiries but they won't give you the name of a person to whom you can direct your e-mail. I also learned that short sales take a long time because the banks only want to approve so many at a time for tax purposes. Thus, they hold people up for months even a year!

Yesterday was supposed to be my close. I was so excited that I could hardly sleep. All my hard work and perseverance had finally paid off! However, I arrive at my closing only to find out that I wouldn't be officially closing. I couldn't close because my file was incomplete. I still needed an approved HUD from Bank America. Because I didn't have this document, I was forced to do a Dry Close, I got to sign the documents and my money, all $75,000 of it, was left sitting in some bank account under someone else's control. Instead of moving into my new home this weekend, I was forced to make calls canceling painters, movers etc. According to Bank of America, I cannot get the approved HUD until the 24th of June. The person who issues this document is on vacation and will not be back until then. Unfortunately for me, my application with my bank expires on the 14th of June. If the approved HUD does not come by Monday, I will be forced to start the application process all over again.

I have all the documents to prove that everything that I am saying is true. I think that there needs to be a thorough investigation into Bank of America practices. I feel that their system is set up to frustrate people, like me, so that we will walk away from these homes much like people have walked away from their underwater mortgages. How is it possible that a bank labeled "too big to fail" only has one person who can approve the HUD? If I have to start my application process again, I will lose my current interest rate and I will have to pay a new application fee.

Finally, in December 2009, BoA sent me the contract for the modification. I had to sign and have it notarized and send the first new payment along with the contract. After several weeks passed, I received yet another contract (February 2010) which stated that they did not receive the first one on time which was sent back overnight FedEx. So again, I signed and had it notarized and sent another payment. In the meantime, I am getting calls from BoA on a daily basis regarding my loan payment; and every day, I have to tell them that I am in the modification program. Of course, they have no knowledge of this because the modification is a different department.

After several weeks of this, I contacted the modification department which told me it is still being processed and to continue sending in my new payments (then next being due May 1). May and June payments were sent, and I received a bill from BoA which stated that they will no longer accept partial payments and that if I continue to send partial payments, they will be returned.

At this point, I called customer service to find out my modification was canceled/denied on May 26; but they could not tell me why nor had I received anything via mail. The lady in customer service then transferred me to the modification department, and Margaret could not tell me anything that the other lady had told me. She transferred me to Osep who said it is explained in the letter I received after I had just told him I had not received a letter. He also informed me if I did not pay $24,000+ May July 8, they would put me in review for foreclosure. I became very upset and demanded that someone tell me something. Upon being transferred yet again, I was disconnected, which I believed was done purposely.

They had sent this package to the wrong address. They sent it to my tenant. The house is a duplex. I live at ** Puffer Ave. My tenant lives at ** Puffer Ave. Now here I am panicking and I called Bank of America for verification that this might have been a mistake. They said no, and started to stone wall me every step of the way because I kept calling, asking to speak with someone with authority to help me work out this apparent mistake. But, no one would speak to me about changing this one day turn around condition in the loan.

Two days past, they received the package and they finally speak to me and said that I did not meet the one day turn around condition. They would not rework the re-modification with me and the house has been under foreclosure and the sales date is June the 14th. I did request for the sales date to be postponed so that we can work on the loan but they said no, said that I asked for the postponement too late, citing that the federal guidelines were just changed on June 4th. However, prior to June 4th, I asked for the postponement of the sales date and they almost angrily said that I asked too early. I backed down, because I did ask for the sales date to be changed once already, and they did change that for me. But, at that time they instructed me to call and ask for the postponement when it's about three days before the sales date.

Here I was being scolded at so many times for asking to soon. This time, they finally got me. I finally called in too late, because of a federal guideline that they said was just enacted on June 4th. I pleaded with them to look at the extraordinary circumstance of my case, but they said, "you are stuck between a rock and a hard place. " I don't know where else to go or who I can turn to when the sales date is on Monday and it's already Friday.

Please give me some advice if possible. Thank you.

On April 14, 2010, we received another letter from BOA that they received proof of our missing payment that was remitted to Wilshire Credit, but that the documents we provided were not sufficient. They now needed a copy of our February bank statements, showing that the payments were taken out of our account through 30 days after the withdrawal. Again, I believe this was a way to prolong and drag out posting this to our account. Once again though, I complied and sent the copies of the statements and the authorized transactions from Wilshire.

As of today, June 10, 2010, I had heard nothing, So I called customer service. After a long time on hold, so that they could review my account, the representative told me that they do show that they received the documentation on 5/12/10, but that there were so many situations like ours and that they are so far behind, that we will need to wait till someone can review our account further before posting the payments. They can't even give me someone to talk directly to find answers. I have sent in ample proof of these payments. Why are they dragging their feet on this? I'm sure they will continue to accrue fees or late charges or some other ridiculous charges just because they couldn't get this done on their end. It's been over 4 months and still no answers. This is unacceptable.

Are other issue with BOA is that since they took over our loan, we had to start the whole loan modification process over with their department. They stated that they needed additional information than what Wilshire had acquired from us, which was everything except our blood type. Once again, they sent out exactly what they requested and once again I provided them with everything, to try to get a different rate. In the meantime, while they are still processing our paperwork, which they stated may take anywhere from 2-5 months, we are paying an extra $500 - $900 per month on our mortgage payment. It seems to vary month to month because of some escrow shortage which I'm sure is a whole other can of worms. At $500 - $900 extra a month for 2-5 months, till they can "process" our paperwork, you can bet that we will either need to start skipping payments which will hurt our credit score once again or stop paying on other bills or maybe foreclosure. It should not be this hard to get help. We have cooperated for years, only to get turned over to another company and start the process all over again. Is it worth it? I need advice and help on what to do and how to get answers.

First of all, the adjustable rate every 6 mo. is absurd. Had we known or understood how that worked, we would never had agreed. Secondly, the fact that it is so time consuming to get anything done or to get your own mortgage to work with you, is beyond frustrating. You can't get any answers, you can't talk to any one person, you have to continually send in statements and paperwork. No one would even talk to us about a home modification 4 years ago when our payment went up $900/month, because we were current and showed no reason to be on a modification. We actually had to miss 2 payments before they would consider us. Now, we have a new mortgage company that seems to be worse than the first one and we have to start this whole process over again. We can't afford to make a higher mortgage payment until BOA figures this out and it doesn't seem like they are in any hurry to do so while at my expense. Where do I go, who do I talk to, why can't we get a fixed rate? I know of friends of mine that had the same thing happen and they foreclosed and claimed bankruptcy and now rent a $700,000 home and are living well off their money. Why are the people who are trying to do the right thing seem to be getting hurt the most? I'm not sure walking away isn't the best option.

Finally, in April, I received a letter of intent and I immediately called to try to get to the bottom of this. Once I got through to a supervisor, I was told that the loan modification was never finalized for a reason unknown to the supervisor. He told me he would escalate the matter to his higher up and I never heard back. A couple weeks later, I tried again. This time a different supervisor tells me the investor never funded the new loan and can not explain why. He says he will escalate the matter to his higher up. A couple more weeks, nothing. I tried again. Another excuse and again zero progress. Another week goes by, I tried yet again. This time, I am told the reason the investor never funded the loan was because I never made the payments. I was shocked to hear this as we did in fact make a payment every month and have the cancelled checks and my bank records to prove it.

Nevertheless, I was told that the loan modification was being cancelled and that unless I could make up approximately $6000 in late payments and fees they would continue with the actions in the letter of intent. Ied call back a couple days later after verifying that the payments were made and tried to get another supervisor to help me. Once I explained my issue, the supervisor told me that the last person I spoke with made a mistake and they did have records of my payments, only they were not being applied to my account. They were being held in a separate account in an inactive status, whatever that means. He promised he will look into it and escalate the matter to his higher up. I never heard from him again.

The letter of intent was dated for June 6, 2010. Today is June 10, 2010. I have not been able to reach another supervisor. I have not received any correspondence regarding my problem. Despite all my persistent efforts, I can't even get a straight answer as to why the original loan modification was never processed/funded, let alone get a resolution to a now even greater problem. This has been the absolute worst customer no-service I have ever experienced. BoA is now threatening foreclosure and has severely damaged my credit. They are tacking on fees and charges every month that goes by. I have spent countless hours on the phone away from work and my family in an attempt to resolve this. The resulting stress of knowing my family could lose its home despite doing everything we agreed to do is a burden no one should have to bear unjustly.

I am at my wit's end and so are the owners of the property. They have had to move out since they can't pay utilities. A sheriff's sale is scheduled for July and I feel that Bank of America is just waiting for that so they can buy the house back and make a profit. I cannot imagine why else they would not help. My terminally ill seller is beside herself thinking about her last days being so miserable and the house has gone from a $90,000 home to a mold, weed, termite, infested home.

BOA is stating that until the courts decide on the situation, nothing can be done. However, BOA is still having debt collectors call us daily and harass us. This has been going on for nearly a year and we have had all we can handle with BOA.

Finally, they called me and said they needed all that paper work again. I told them I already sent it four times. I've also been told I was four months behind on my mortgage. I know that isn't true since I make a payment every month. But all my payment the last 10 months have not been applied to my mortgage. Instead, they say it is in a safe account, (whatever that is) until my modification loan is approved. Well, I know now after reading all the complaints that BOA has no intentions of giving me this loan. I feel like they are jacking me around and around. The final straw is when I get a letter from them FedEx stating they want to do a short sale or foreclose on my home. And all I wanted was a better rate. I am scared!

So I waited and called back when there were less than 30 days to go. They said they would send the form and I should receive it in 7-10 business days. It didn't come. I had to call them at least 3 times before I finally got it. I was starting to fear that the 30 days would run out, and I would no longer have an accurate figure!

So I paid off the mortgage, and I did receive a receipt in a timely fashion. However, I did not receive a copy of the discharge of the mortgage. After a couple of months, I called my county's register of deeds, who confirmed that the county had received the discharge of mortgage and had recorded it on Feb. 27, then returned it to BoA. They told me the normal process is that the lender sends the discharge document to the county, the county records it and returns it to the lender, who then sends a copy to the homeowner. BoA never sent it to me.

I called BoA on April 30 and requested a copy of the discharge of mortgage. They indicated I should have it in 7-10 days. When it still hadn't arrived nearly a month later, I called again on May 27. They checked and said it had been sent on April 30, but it was mailed to the county, not to me.

What stupidity! Why would anybody think it should go back to the county, who had already recorded it and returned it to BoA, especially since I explained that all that had been done when I called on April 30? They even verified my mailing address on April 30, so why did they send it somewhere else?

In response to my May 27 call, they said they would send the discharge document again. This time they told me in 3-5 days. On June 9, I called them again because it still had not arrived. I talked with Victor who said according to their records, it had been sent on May 27 and to my home address by U.S. mail. (Did he mean the Pony Express?) He agreed to send it again.

I have my doubts that it will ever get here. I called the county and requested a copy of the discharge document. They will charge me $3 to cover their cost, but at least I can rely on them to get it to me in a few days.

I have encountered this kind of bungling service from BoA in just about every relationship I have had with them. Can any organization actually be that incompetent? I am beginning to suspect that they do it on purpose. What is in it for them? Perhaps if I didn't have proof that the mortgage was discharged, they could continue showing the loan on their books for a while. Perhaps if they drag their heels in providing payoff information, the homeowner will be delayed in paying off their mortgage, thus allowing BoA to make a few more dollars in interest. If they do this with 10,000 homeowners and make an extra $100 from each of them, that's an additional $1,000,000 in BoA's pocket, isn't it?

Is there any way to file an official complaint with someone who will investigate BoA's practices and find out whether they are just sloppy when it comes to communicating with their clients or whether there is something fishy going on? Meanwhile, they have lost my business for life.

When the economy tanked, our income did the same and we applied for the government backed Home Modification to lower our payments. This was in February 2010. In April, 2010, we received a letter confirming the receipt of our information, signed documents, etc. It said "We are in the completion status of processing your workout agreement". In the meantime, we received our monthly statement for May 2010 with a new monthly payment of $2082.84. This was caused by a minus escrow balance. If we could not pay the previous payments, how do they expect even more? Meanwhile, we called and emailed BOA for the status of our modification. We were told that they needed signed documents and bank statements, etc. We faxed same docs again which we had already sent. Our calls were put on hold, disconnected, emails not answered.

After four months of frustration, getting nowhere, I got mad and persisted on calling and asking to speak to a supervisor. Her name was Teveta ** (**). When I expressed anger at the treatment I had received, she informed me that she was not an employee of Bank of America, but a collection agency/holding company employed by them to field these applications. She said she would have to send my questions and complaints to a board to be reviewed first. So all of my documents, calls, online queries, faxes and emails had never gone to the real Bank of America at all. I am dumbfounded, angry and ready to let the world know what a big fraud is being perpetrated on homeowners. Today, I received a notice of intent to accelerate from BOA. They don't even know of my modification application. I did send the May payment, but it was not applied to my account but a "miscellaneous" one.

This is the beginning of the nightmare. Documents that were sent via FedEx and signed for seemed to disappear in January. Sent again in February with February's bank statement just to make sure they had all current information. Documents received and signed for via FedEx on February 24th and scanned into Bank of America’s system on March, 6th 2010. As of March 17th, all paperwork were in order, nothing more needed and "our account is in review". I should know in 60 days or so. On April 28, 2010 I receive a letter from Bank of America that my loan modification was declined because I failed to send in documents. I called Bank of America and inquire what documents did you not receive. I was told they had everything and that I should not have received that letter because the system shows that we are still in review. They said to continue making trial payments of $997.49 (about 1/2 of our normal mortgage payment of $1888.00), which I did over the phone that day.

Something told me in my mind to call back and double check on the status and I was told by a different individual named that same afternoon (Britney) that my modification had in fact be denied as of April 28th, 2010 because of missing documents. When I asked her what was missing she looked through all of my documents on file and stated that everything was there, nothing was missing and applied for an appeal on the denial. This should take about 2 weeks; call back in 14 business days. On May 24, 2010 I decided to check on the status of my appeal and was told no information yet and that I will be contacted within 30 days from the date of the appeal. I called on June 1 and made my house payment and as far as the status of my appeal, well, the gentleman named Cecilio on the other end of the line said, "I've seen it take up to 45 days but it should not be much longer, Friday June 4th.” I received a phone call from the home retention department and was advised to contact a Freddie Mac counseling service to discuss loan modification options.

I called this Morning (Monday June 7th), and when I explained that my loan was in appeal she advised me to contact the Bank of America Loss Mitigation Department. I was told by a Mr. ** that my appeal was invalid and had been denied on May 28th for "missing documents" but we can check into some other type of options for you. After a few more financial questions, including we would reevaluate your modification if you could increase your income by about 25%, I was told that I could qualify for a different program called Nationwide Home Retention Program and this would make my payments $1105.15 ($200.00 more than my trial payments); go ahead and get your mortgage paid up to date to the tune of 7k and some change and send to this fax number the following--your 2 most current bank statements, financial docs, letter of hardship etc. Are you kidding me?

I inquire to Mr. ** what documents are they missing? No idea. Get the information that we just spoke about sent via fax with in the next 4 days and call this number. They will be able to tell you what documents are missing. I contact a Rich ** who does not know what docs are missing either and he works for the Home Retention Department with BoA. I called the Hope Line. This began 5 hours of being transferred from one department to another. Every time I would get the run around: missing documents, where bank statements received in March that seemed to have disappeared from the BoA computer file and can only be found in the computer records at the HOPE Department.

When I spoke with the HOPE Department they would contact the Home Affordable and the Home Retention program to try to help get the information across to Bank of America that the statements that they claim are missing are in the files dated March 06 to no avail. Because HOPE has more records and these departments do not have the same files. Imagine that! Where I asked does the HOPE Department get the information that I send to Bank of America. Well, you guessed it. But Bank of America does not have the same information! What a joke! After being transferred to 6 different people today and told different stories by each one as to the information that they have, my husband had had enough and asked to speak with a supervisor we were transferred to Ana ** who shows in her records that the paperwork that I sent in January was finally uploaded into the system on May 5th, 2010 and I was denied officially my appeal on May 11th.

What? The underwriter was never given the documents that I sent in February and they now do not have those records in their files that were there a month ago. I was not asked for any other documents during the preceding 3 months, and we can't appeal an appeal and we will need to start the process all over again. I feel sorry for the employees that work for Bank of America and are most likely aware of the internal finger pointing and run around their clients and customers are getting from one department to another department and not taking any stand to help solve the problem.

I can not believe that these simple conversations with this company has caused this much stress and confusion. I hope that Americans that bank with this "insane" institution by choice will consider reading all of these complaints and realize that we are normal hardworking Americans over 50 years of age and at the brink of losing everything that we have worked to hard to achieve. When there are programs that have been designed to help people like us that have never asked for anything more that what we could afford from an honest days work. Shame on you Bank of America.

Financial stress is one thing and I have a back injury that this situation is not making any better with the hours on the phone and just feeling hopeless and lost and in fear that I will lose my home after doing every thing I can in good faith. The mental duress is extreme and it causes physical pain with my current injury! I was never behind on my house payment in the 12 years that we have lived here. In December 09 I began the trial modification program with Bank of America, and my credit is now completely shot and I do not know where to turn to get help with this Bank of America **. This is absolutely absurd!

In October of last year, I was notified by Bank of America that I was eligible for the Loan Modification Program. I was told to make payments of $806 per month, instead of $952.65 and to provide them with various documentation, which I did. When I questioned why I would be paying less, they responded that I would have to "look" like I was behind on my payments even though I never had been up to that point. I was told that after my trial period was over, my payments would be lowered and my account would be current again.

I received a call from them last week, at work. I assumed that it was to tell me that I was finally through my "trial" period and that they would discuss my new payments. It was actually a debt collector asking me when I was going to get current on my account. I explained to her that I was in the loan modification program. She looked up the status and found that I was denied as of May 28 and now I am behind on my mortgage.

I asked her why I was denied and she said it was because I didn't make enough money. She said that I should either get a second job or pay off some debt. So I guess that only people that are financially stable can get help with their mortgages? I told the representative that I would pay my account up to date and wait for my denial letter.

Today I received my letter. It states that my loan is not eligible for loan modification, but it does not state why. It also suggests that I do a "short sale" or a "deed in lieu of foreclosure." Well, I am not doing either of those. I am paying my mortgage up to date and keeping my home! I called the very unhelpful people at the supposed loan modification unit and she told me that she had no record of my letter. She just said that as of July 1, I will be 3 months behind and if I don't make a payment, they will proceed with foreclosure.

I asked her to look at my account and point out just 1 month that I missed a payment and of course, she couldn't. I then asked her to explain how I could be 3 months behind when I only paid $150 less per month, per their agreement. She rambled on about how 2 months make up one, blah, blah, blah. Absolutely, it makes no sense. By my calculations, I would only owe $1,050, which is 1 month plus $100. I guess it's because their going to charge me late fees and who knows what else. All this, even though they are the ones who told me to be late!

In closing, Bank of America contacted a customer that had a current account and paid on time every month. They told this current customer that they were eligible for the government's loan modification program and outlined what they needed to do to proceed. This customer did everything they were told and made all the "trial" payments on time for 7 months, just so it would "look" like they were behind, which was also according to them! Then, they declined the customer without a written explanation. The only verbal explanation that they were given was that they don't make enough money and perhaps they should get a second job.

I make the exact same amount of money that I made when they contacted me back in October! And besides, isn't this program for people who do not make enough money? They never offered me any payment plan to pay the "back" payments that were created because of them. They came up with a ridiculous amount of money, that is supposedly late, and really can't explain how. Then, they have the audacity to threaten foreclosure!

Not only have they threatened to take my house and make me pay extra money that I never would have owed them, they also have ruined my credit, which I worked very hard to build. They should be ashamed of themselves! I can only hope that someone with some authority will regulate them and this practice a little better so that this doesn't happen to someone else.

I thought the whole point of loan modifications was to save people's homes. Bank of America has done the opposite. They are creating foreclosures that never would have existed. They are ruining people's credit and lives and they need to be held accountable. I will send copies of all correspondence with them, if needed, at your request.

I challenge Bank of America to argue with anything in this letter because they can't! I never asked for this and certainly don't deserve this. Again, shame on them! I face a possible foreclose. I spent at least and extra $1,000 that I never would have owed. My credit rating is probably ruined, which is priceless!

We were told by one Bank of America representatives that the $4,000 in interest fees were a result of Bank of America not receiving a mortgage payment for five months. I contacted our bankruptcy trustee Joyce ** and was told that it took five months for our mortgage debt to be "confirmed" by Bank of America. Of course, my bankruptcy payroll deductions had been taken bi-weekly for the entire five months, but why wasn't a payment sent to Bank of America? Again, we were told it took five months to confirm our mortgage debt.

Bank of America is charging us interest on these five months. How can they do this? The bankruptcy court records show we are current in principal and interest payments. How will we ever be able to afford to refinance our home? We were not going to have any out of pocket costs at all. We have excellent LTV on the house. Now all the time, effort and money we spent to refinance our home has hit a brick wall, namely Bank of America. Do we have any recourse?

The money we spent to file an order with the court as well as the money spent on the appraisal. Also, we are paying $1,070.00 at 9.5% on a principal balance of $93,000. This payment is way out of line. The court told me that when our Chapter 13 is discharged, Bank of America will have to reconcile with the Court. So, the interest and fees will "go away". How can they just charge us whatever they want now, knowing that when our Chapter 13 is discharged, they will not be able to collect this interest and fees? It's like we are being punished for wanting to obtain a fixed rate mortgage.

On June 4, 2010, I noticed that $199.16 was missing out of my checking account. After looking through my bank statement, my fixed rate mortgage had jumped from $424.17 to $523.75 in May of 2010. I contacted Bank of America and was told "this is your new payment as we opened an escrow account to pay your property taxes and insurance for the Making Homes Affordable Program. I explained to 7 people, over a 2 hour time period that I was not eligible for the program, never signed any documents nor submitted an application and have paid my own taxes and insurance outside of the loan since I first purchased the property.

The bank did admit that I did not qualify for the program, but the escrow account had been set up and it could "never be terminated. " "You will have to just live with it Mr. ** the rep explained. " I told her my taxes are $199 a year and my yearly insurance is amount $250 but your withholding almost $1,200 a year. Response: "Well at the end of the 27 years we will refund you the difference". I then informed her that Bank of America fraudulently changed the terms and conditions of my loan without permission, my knowledge, or any signed documents. Response was that "We do this all the time its perfectly legal for us to withhold for your taxes and Insurance." I stated my taxes are paid to date and so is my insurance, you cant legally raise my mortgage.

I explained to the representative that I may not even be able to pay my mortgage next month as Bank of America has funneled out $199.16 out of my checking account due to the "increase in my mortgage. " Well Mr. **, if you don't pay your mortgage, we will simply have to foreclose on you and have the Sheriff remove you. " I explained to her I have a limited amount of money and pay my property taxes each year with a small bonus check I receive from work, my insurance is paid in small increments monthly and I can't afford a $100 increase. The representative then hung up.

I called Bank of America back and basically was told pretty much the same thing after speaking with 4 more people and a supervisor. The supervisor informed me that he could "try to opt me out of the program"(could take months) you know the program I did not qualify for and never returned any documents or applications I stated. He said yes sir that one. I demanded my $199 back that Bank of America had fraudulently removed from my bank account via auto-pay. The authorization was only for $424.17 a month not $523.75 Response: its not possible Mr. ** because of Bank of America fraudulently increasing my mortgage and illegally making withdrawing more than agreed upon I'm sure I will have overdraft fees as I only have $9.00 left in my account.

It is quite apparent that Bank of America is committing blatant fraud in order to account for the TARP money they have received. If you are wondering why their numbers have increased by 70% in one month, allegedly enrolling people in the Making Homes Affordable Program? This is how their doing it. I no doubt will loose my home as I will never be able to catch up or pay the higher unlawful increase in my mortgage. Consequences of me end up loosing my home.

Over the last 7 months we have had approximately 65 phone conversations with Bank of America and each conversation and each representative gave us different stories, different answers, told us to do different things. It has just been unbelievable. I finally overnighted a complaint to the CEO and got a call from a representative from that office. Nothing changed except they wanted to put us in the Home Loan Modification Program! I said I had been in it for over 4 months already but was still receiving intent to accelerate and foreclosure notices! The Loan Modification group told me not to worry and that I was only 3 months behind on my first mortgage and 2 months behind on my 2nd mortgage.

On May 24th, I paid 2 months payments on my first which kept me at 3 months behind. On May 29th, Bank of America started foreclosure on our property. During this period, I told BOA that our home was sold ( not a short sale) and that we were closing on June 11. The purchaser was already qualified, etc. They said,"Do not worry."

I got the foreclosure notice from South & Associates, a legal firm hired by BOA on June 3rd. Even though BOA is their client, the lady at South & Associates said it was very difficult communicating with BOA. In general, Bank of America's left hand does not know what its right hand is doing and certainly couldn't care less about any of its customers. They have hired thousand of uneducated representatives and then put them into a system and process that is so screwed up beyond all belief that it is just not American. How Bank of America got to be so big is beyond any understanding. I would join in any class action law suit against Bank of America.

My payment is taken out every month prior to the 16th but after the 7th and so they have been charging this fee. I find this totally wrong. No other account I have or ever had charged a fee unless it was late. She then pushed again that I needed to open a BOA checking account in order not to get this. Is she crazy? BOA will no longer be holding my mortgage because of this and I will be looking into filing whatever legal complaint I can against these parasites. They are freely deducting money from my account without permission! In order to recoup this money, I was told I needed to fax a letter requesting it. I am sure they will get right on it, not!

Come to find out after he sent our loan application, it comes back asking for non-sense documentation, in which case would delay our closing date. Now, it is our fault for not closing in time because they are asking for these documents last minute. We are going to close hopefully only 5 days late from our original closing date, but going from closing a few days early to close late is very upsetting to us.

I don't really understand why they are taking so long to process our loan, but have a feeling that they are trying to make up for the new dishwasher that they had to buy and install in order to sell the property to us (FHA loan). We even offered to pay for all closing costs which I thought would make us look good. This bank has turned our smiles from becoming first time homeowners, upside down in wishing that we should have chosen a different bank. It goes to show, it does not necessarily benefit working with the same bank that owns the property you are trying to purchase at the same time trying to get a loan from. My fiance and I did not bother to research loan companies, which is another lesson we have learned.

My commitment is about to expire, I start calling for a closing date. It was then their Underwriting Department contacted me and "denied the refinancing. "I was now, not meeting their income to debt percentages. I'm told this loan should have been denied the day I applied. I ask about the monies I have laid out, the UCC-1 Bank of America now filed on my apartment, the cost and removal of this? I'm told, she's in underwriting, to contact the people who originally gave me the loan. I do, and cannot get an answer.

I spent $800 for nothing, have a filing on my apartment that needs to be removed and who knows what this will do to my credit score? I'm told by an attorney, that in my commitment there is no where that Bank of America can back out of this refinancing but how can I make them? I have tried to contact the agents but I am not receiving auto responses, they are no longer assigned to my case. I have spent over $800 of out of pocket expenses required by the bank plus I paid them $400 for this good faith application. Nor do I know how this will effect my credit rating.

The damage is that while I can't refinance, I am paying almost 10% interest on the second, and the main arm loan will eventually expire. I haven't been able to apply for credit when needed, like this winter when the furnace had to be replaced. Although, I can get credit for emergencies, it is at very inflated interest rates due to my credit scores. I was not able to buy a washer and dryer a couple of years ago when there was a fantastic sale. I am still hauling laundry in my car.

Along with our denial letter, we received a proposed modification with a "new" monthly payment that is higher than any amount we have ever paid, and at a "new, reduced" interest rate that is equal to our original rate. How is this in our best interest? The proposed modification also lists a "delinquent" amount and BOA cannot explain how they came up with the amount, only to state "the numbers are all good.” We neither know this for a fact or believe the amount listed. In fact, we call into question the amount entirely.

The modification also included a disclosure rider that confirms that we have had the opportunity to consult with an attorney regarding the modification. We are in the process of looking for an attorney now. The BOA number we have called looking for answers and help is 800-. After we received the denial letter from BOA we also called HUD, who was unable to help (though BOA suggests calling them). BOA/Mortgage Division offers no e-mail correspondence options that we know of, pretty much forcing you to call the dreadfully inadequate, problem-ridden customer service line. The consequence is possible foreclosure.

I called them right away begging them to give me back at least $1500 back so I can buy food and pay for gas to go to work. The service rep was rude and told me we cannot give you the money back since I am already in default. I told her I am a single mother of 2 boys, and taking care of my 2 elderly parents at least give me something back so I could manage to survive. They told me "no" and continue to tell me I am in default and should make a payment for the remaining balance. Again, I told her I am trying to pay the trial amount I was told to pay, but instead they took the actual monthly mortgage payment. I asked what's the status of my modification application again, I was told it's being process and called again next week. I did week after week after week. And continue to pay the trial mortgage amount.

Again, I called this week and was told I may not qualify for it and to call back next week. Again, I called back the following week, I was told it's being process and the negotiator is reviewing it. I was asked for the hardship information. I told them I went through divorce (my husband left for another woman), child custody battle, lost my job for 4 months, took my 2 elderly parents in, helped a brother for medical assistance who did not have insurance and almost died when hit by a hit and run driver. Again, and again, and again, I was asked for the hardship and I felt so helpless right now, going through this for months, weeks and days. I haven't sleep and lost so much weight due to stress. Will someone please help me! I went back to school, got a job now, and all I am asking for is a simple "break" to let me work with my loan and help me save my house for my children. Please how much more phone calls should I make to get an answer? How much more sufferings will I have to deal with? How many more times do I have to write my hardship and be reminded of it. Please help me. Please! Lost employment, divorce, child custody battle, medical bills, elderly parents care, flooded basement.

We heard nothing from them for a month. I tried to make a payment, which they sent back saying it was being rejected. We then received another package with an even higher payment amount. I sent it back with a letter and copies of the original modification. We never heard anything else until last month when a letter arrived stating that they were reviewing our loan! Reviewing for what? We had abided by everything they asked us to do, yet they say now we have not made a payment in 18 months while I have cancelled checks and even a cashier's check that was sent with the original loan modification in December 2009. They are so crooked they will need to be ** into the ground when they die.

There doesn't seem to be an attorney around who will even look at the documentation we have. It is all there. I have kept everything. I am ready to go public with this information as our president is a laughing stock and should be made aware of how good his bailout is working. If you know of anyone who can help with this, I would surely appreciate it.

That was in May 2009 but I didn't get the package until I had called them numerous times to find out why and finally got it in October 2009. I called them and told them that I had finally gotten the package and was going to send everything that they requested. I was told right then that my payment was reduced from $1674.76 to $902.99 and I could go ahead and make the three required payments right then on the phone. One payment was for November 2009, one for December 2009 and one for January 2010. They told me that these payments were for a three month trial period and that I would have a modification by February 2010.

Around January 20, 2010, I hadn't heard anything from Bank of America so I called them to see what was the status of my account. I was then informed that I was supposed to be making payments of $990.38 until I heard from them because everything was still in the review process. Every time I call to find out the status of my account, I keep getting the same runaround **. I am never able to speak with the same person twice and one doesn't know anything about what the other has told me. They keep saying, "Don't worry about anything because we are not going to foreclose on your property. Everything is still in the review process." On my credit report it has me listed as being eight months behind on my mortgage payments.

After over two years, even though we finally did a deed-in-lieu with the company last November and the deed to the house was transferred into their name in December, the company is continuing to send me notices that I owe them the money and the company is still sending notices to the credit agencies that the mortgage is overdue. This is resulting in credit card companies closing my credit cards or lowering my credit limits.

Every time I call Bank of America, I am shuttled around from department to department and told the matter will be escalated and someone will call me back within the next week. That never happens. I have called them about once every two weeks, and nothing is resolved. I have sent them letters, and I get replies that someone will contact me within 20 days; and that never happens either! I got collection calls several times a day for years on end until I finally blocked their telephone number!

As of today, I have been on the phone with Bank of America for the past four hours, being shuttled around from department to department, trying to find some help. I'm on hold at the moment, waiting for a supervisor to talk to me. The lady I just spoke with said that my account was in the process of being assigned to someone in the home retention department! I have contacted my state senator Mark Warner's office, asking for help a couple of weeks ago. I haven't heard back from them yet.

We have contacted Bank of America numerous times to request a lien release. Initially, they said they would provide one. Now, we are 10 days away from the close of escrow and they have stated that they will not release the lien and will force the owners into foreclosure. If the debt was discharged through bankruptcy, this should not be able to happen. Each day, I have contacted Bank of America. They have said the system was down and and would not provide any assistance on the file, one person provide a phone number for me to contact her again and it was a 1-800 Talk Line.

I am sure you have heard many, many stories like this and we are not alone in this mess. My hope is that as the media outlet that you are, you can offer some assistance by way of a story. It does not make any sense to be able to discharge a debt in bankruptcy and that same entity be able to force someone into foreclosure. Make no mistake about this, my client stands to earn nothing. $200 is the remaining balance and he has offered it to Bank of America. It's nonsensical to think that we as consumers have to pay huge taxes for the rest of our life, in part because we are bailing the banks out, and then they do not attempt to even assist in the smallest way. This debt is off of their books. What are they trying to accomplish?

We began the process, provided the required paperwork, and waited to hear further contact. The representative had our home phone, fax, and cell phone numbers. At the end of the month, we had to travel out of state for a few days. When we returned, we had three messages from BOA (two on the home phone and one on the fax/answering machine) asking for more information. I called back, and was told that we were dropped for failure to respond to requests for further information! I never got any calls on the cell! We decided to try it again, and this time, we were accepted into the forbearance program. We were leery to say the least, since the program allows one to "miss" three payments to provide some financial relief but then one has to pay back those three months of missed payments in a lump sum, not roll the missed payments into the loan, so we were told. It made no sense, but we did enter the program, hoping to get approved eventually for the Making Homes Affordable Program.

We still made the payments (and on time) under the forbearance program because something just did not add up. I did some researching online and found too many horror stories about special forbearance options and how mortgage payments actually increased, and people were forced into quick sales. Glad I did that.

In November 2009, we received notification that we were approved for the Making Homes Affordable Program, a big $75.00 reduction of our $2,000/month mortgage payment! I was told that the reduction amount could be more after our case was fully reviewed. We began a four month trial period with a reduced payment. The trial period ran from November 2009 through February 2010. In January 2010, we received a FedEx package requesting more documentation (well, the same documentation I had already sent at the beginning). I provided it, and called to insure that it had been received. I received confirmation that it had been received and that everything was current and up to date, in fact the package was in underwriting.

After making the final trial payment in February 2010, I called to inquire as to the next step. I was told that everything was in order, all the paperwork was there, and underwriting had the package. It would take 60 days to finalize, verify occupancy, etc. At that time, I was told to continue making the reduced mortgage payment (remember, a $75.00 reduction!). I did continue making the payments and on time. On 1 March 2010, we verified the status of the package, again. We were told that the package was complete as of 26 February 2010. But then, for some reason, we were directed through three other offices, and told that the package was complete, but was "in processing". To what degree of "in processing" we could not get an answer. In other words, the right hand did not know what the left was doing.

At the end of March 2010, we received another package. It was the same type of welcome package I had received back in November 2009. Essentially, I was beginning the process all over again! I had to resubmit everything! I called, questioned why I was being asked to start the process all over and was told that it probably was a duplicate copy, but to send in the information anyway. Yes, my package was still in processing. I sent everything again, even more than was required. The package was received by BOA on 21 April 2010. I tracked the package. It was due NLT 24 April 2010.

I called to check on the status on 24 April 2010. I was told that it had been received, was complete, and was being processed. I was instructed to keep paying the reduced mortgage payment amount. On May 23, 2010, we received a FedEx letter from BOA stating that we were not eligible for the Making Homes Affordable Program. The reason: "Your loan is not eligible for the Making Homes Affordable Program because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you more than 30 days ago. We may also have sent you additional notices about missing or incomplete documents."

Obviously, they don't have their act together. There never was a main point of contact for my loan modification, and I always received the excuse, that so many modifications are being processed that sometimes items get lost or sent to the wrong office. I certainly hope HUD is more competent in handling my complaint against BOA.

As part of the Making Homes Affordable Program, we had to enroll in a debt consolidation program, which we did. Now our credit reports have been affected negatively. Also, BOA gave us a negative ranking because we were making a reduced payment that was part of their program. It will make it nearly impossible to refinance our loan at a lower rate, if we can find a lender. Lenders tend to view people who have loan consolidations as a high risk.

We both became employed again almost immediately so we called to take us out of their system for the modification. I have been calling for months each month to stop this in addition they keep hitting my credit although I am completely caught up. They also won't take my money. I have to call every month and spend two hours on the phone to get them to take my payments since they won't let me pay online anymore. I have sent checks that mysteriously disappear and I have to stop payment on them and pay over the phone for a fee! This is madness and I believe a form of harassment. They are holding my payments in order to charge me late fees. In addition, they are trying to collect property taxes and insurance from me when I have always paid those monthly separate from my house payment.

I am totally current and have been for the last ten years on property taxes and insurance and yet they want to charge me for it! I don't know how to stop this - every month they say they have taken care of it but they don't and every month I have to call and start over again. If I could divorce them right now, I would. I want to get as far away from this horrible company as I can. I urge anyone who is thinking of doing business with Bank of America to think twice. I didn't walk away from my obligation and this is the thanks I get. I should walk away since Bank of America obviously doesn't give a blank about me or my money.

Since then they contacted me one more time in February 2010 and requested more of the same documents, which I again sent right out. I have made 6 trial payments on time every month since December 2009. In the 6 months I would call at least twice a month to check on my application status, and would then find out that my application was on hold due to some missing documentation that I had already sent. So I would send it right out. There was never one time that I did not respond immediately. The last two calls that I made I was told by representatives of this company that everything was in order and I just needed to wait to hear something. Today I received a letter by FedEx from Bank of America saying that my program expired I am now ineligible because of missing documentation. I was sickened by this letter and couldn't help crying after all this time and now I owe even more money because of the smaller payments I've made, which I don't even know where that money's gone to.

I called them and was treated so horribly by their customer service representative that I just hung up. I am a single mother of five children. I've been going to college and should have my AA degree and massage therapy license by the end of summer. I have kept this house for 13 years so my children would have a stable life, unlike mine had been. Now I feel like I'm going to lose my home and that this company I trusted had no intention of ever helping me. Please advise me or send me to someone who can help. I know there are other people in this same situation. I have talked to others and read some stories on the internet. I am stressed beyond belief. I can't eat or sleep. This has been going on for way too long.

In our immediate family of four, we have had 22 surgeries in the last 11 years, not counting my parents. We have a genetic disorder in our family and Susie has had 25 surgeries. Mom is on IV feedings for short bowel syndrome and just had her spine rebuilt because she got an infection through the IV and it ate through some of the vertebrae. We have worked extra jobs, taught night classes and are wearing out physically. Susie is also on watch for a possible return of thyroid cancer and the stress is making this more difficult. We will not be able to continue when the next pay cut comes. We are educators and have not ever missed a payment on anything. We can't even get the courtesy of a call back, we just keep getting put off. We are trying to be responsible in handling this and just need a lowered interest rate, but we aren't getting any help. Please help!

We will probably lose our home and have to move our parents. We have put a great deal of our earnings into this house adding on to take care of mom and dad. We are nearing retirement age and cannot afford to take this huge a loss. A lowered interest rate would allow us to make it. If not, we not only could lose the home, but be responsible to pay taxes on the difference in a short sale. We will go under financially and still have all the medical to deal with.

So, they tell me I'm forced on this program in which my payment was lowered to $538 per month from $738. I continue to make the $750 payments and call them to tell them to "get bent". They then start charging me late fees from my payments claiming the time to process my payment takes several business days and then led to the "late fees". My money is taken directly from my account at BofA. Why are they not credited then? Because they can steal $39 from me!

I have now gotten a letter from them claiming they have accelerated my payments and are going to foreclose on my home! I have never been late with my payments and cannot figure out that if my payments were reduced and I continued to pay more, who decided where that extra money went? Could it not have gone to pay for the escrow? No, that would not be criminal! I have been with these for 10 years and they make me sick. I need to find someone who knows how to help me and my family. We don't make a lot of money, but, we've made BofA a priority and have been faithful in all our payments, both credit and mortgage. I am at my wit's end and do not trust this government to help. Anyone have an idea? Thanks and God Bless our troops and the USA!

Right now I owe $360,000 on the first and $60,000 on the 2nd, for a total of $420,000 and the value of my property is $335,000, I need some of assistance and they are not willing to help whatsoever. You read about all these bank getting money from the government to help the consumers and the consumers are the ones losing their homes, because no one from the government is policing these companies as to what percentage of consumers are getting help. I know I probably will not get any help and will have to do what I can to keep my home, but going through all this stress is taking a toll on my health and I don't know how much of this I can take. I'm just getting a big runaround. Please help if you can. Thanks!

My next question was, were has my money been going if they have not been applying it to my account? Once again I got the run-around. I had to call the missing payments department, who had a terrible time finding my payments. When I produced checks, a copy of the certified check, etc., they then found that since my payment were not the full amount (from my original note), they were only the modified amount, they applied the first one to fees and the rest they put in a "fund".

So all this time I've been making payments based on a modification, my account was going into foreclosure and accruing fees and charges at a rapid pace. I got another modification agreement in the mail. This one was dropping my payment an additional $100 a month from the original modification, but since so many fees and charges and missing payment (remember they took my money but didn't apply it), they are tacking an additional $10,000 to my note. The way I see it, the government gave them money to grant these modifications, which they do, then they don't honor them and take exponential fees and interest to the note. Bank of America is in the long run going to get way more out of my note than if they had granted the first modification.

Immediately after that Bank of America took over. They assured me that there would be no lag in transition and that none of my information, agreements, etc., would be lost in translation/transition. Just as I was to make my very first new monthly payment, (according to the signed and notarized approval we sent in), I called in to confirm the department and address to send the payment in to, only to learn that 2 days before the payment due date they notated a denial of the loan modification. The denial stated that the "financials" don't meet their requirements. I climbed up the ladder and spoke with several managers who stated that I should send in my payments anyway so that I was not in breach of contract.

At that point I even asked the manager if he would make a payment if he were in my shoes. Had something in writing stating he was approved, but couldn't get the same information from the associates working there; and he said, "No, sir, I wouldn't.” I went on to forcing this man (Robin was his name) to notate in the system that I was going to send in my payment with copies of the signed and notarized approval, and to notate based on other notes in his system that I was in fact approved for the loan modification.

The manager did as requested. I know because I called in and confirmed it with a different associate later that day. On numerous phone calls that took place from 4/8/2009 through 5/7/2009 I was transferred from one department to the next. Nobody at Bank of America was on the same page and the majority of my calls resulted in a left message in the voicemail box of some person that did not return my call(s). This trend continued into July of 2009 where at last, I had a collections manager calling me every Friday with updates (if any) on the progress or lack thereof on our file. For months we made our new, modified payments only to find that Bank of America was not honoring the written approval. They were actually applying those payments to the past dues that according to my approval letter (signed and notarized) had already been worked into the modified balance and loan terms. This was just the first phase in which we spoke to people in the Retention Department, HOPE Department, Loan Workout Department, Customer Service Department, Foreclosure Department and Collections Department, and several managers in differing departments as well.

Going back in time just a bit. In May of 2009 I found new employment with a company that specialized in financial assistance programs which included loan modification negotiating. Figuring that the end result of our so-called loan modification offered to us in March was a result that clearly favored the interests of Bank of America, we decided to employ the company I was working for to get the job done and finalized. We started our second attempt at a modification in August 2009. Due to the fact that our mortgage was owned by Freddie Mac we were eligible for the "Making Home Affordable" (MHA) program. In September, just prior to our being approved for the MHA program we received a certified and recorded NOD, (Notice of Default/Foreclosure Notice with Intent to Sell). Almost immediately after that in October we were approved for the "Making Home Affordable Trial Modification Program". All we had to do was make our 3 "trial payments" on-time and Bank of America would then advance into making the loan modification permanent. Nowhere in the documentation that we received, signed and sent back, did they mention ongoing negotiations and/or underwriting, etc.

We have now made 7 payments. All of them on time and all of them over the phone, in which we have recorded confirmation numbers for each payment made. Bank of America is claiming that on 5/3/2010 they denied our workout for a permanent modification due to missing documentation (that was never requested of us). I have also found out that they notated one of our trial payments as being received late, which is a blatant lie that can easily be disproved if a subpoena for their internal records was ordered. This would show the date and time that the confirmation number was issued. The representatives at Bank of America also claim that they sent us a written request for additional documentation; however if they did, we did not receive it. We live in a condominium complex with 321 units. We are always getting mail intended for someone else and vice-versa. What is most upsetting about this is that all of the original offer(s) for a loan modification was sent Fed-Ex (which required a signature). Isn't it safe to assume that any documentation with such a high level of importance be sent via "first class mail" or "certified mail" or the equivalent? These are just all out terrible and irresponsible business practices.

Nevertheless, the reason I found out that they denied the loan modification on 5/3/2010 along with the other aforementioned claims is because I called them again to get to the bottom of our loan modification, which I was doing because we received 13 copies (6 by certified mail) of a "Notice of Trustee's Sale" on our property. The public auction is to take place on 6/8/2010 at 10:00 AM. Furthermore, Bank of America states that they issued an Adverse Action Letter to us to inform us of the denial, but that too has never been received. I was informed by a gal there that my home was not in foreclosure and that all I needed to do was send in the "missing" documentation, which included our 2009 signed and complete tax return, a signed 4506-T which gives Bank of America permission to access previous tax records (that they should already have on file for 2007 & 2008 because we sent that in twice already), and proof that we are currently paying our HOA dues. When I asked why this process is taking so long, and educated her a little about the federal making home affordable guidelines that her employer is unable to adhere to, she stated that it's because negotiations were still taking place.

I firmly disagreed with her adding that there was nothing further to negotiate. She countered with a response pertaining to the "investor" needing to agree to and attend to negotiations. I countered back stating that the investor was Freddie Mac who finalized their negotiations with the feds and the president long before they even launched the MHA program and offered it to the public; and that the MHA program we were offered was only available to us due to the fact that the program was tailored to homeowners whose mortgages we owned be either Fannie Mae, Freddie Mac or was an FHA loan. I also went on to say, and with that said, there were no other pending negotiations, just lack of compliance, lack of follow through, lack of professionalism and stall tactics, which boarder on predatory business practices.

Right, wrong or indifferent, I faxed all of the "required" information to Bank of America's Loan Retention Department along with a copy of the sale notice and called the next day to confirm that they received the documents. I figure that if I had any leverage at all, it would rest on holding up our end of the bargain. Their representative confirmed receipt of the documents and went on to tell me that in addition to our modification being denied on 5/3/2010, that they also notated on 5/5/2010 that our file needs a 2nd review for underwriting. I asked if they could give me a timeframe for the review and the gal stated they are not allowed to tell me, in which I replied: "Because if you did the feds would shut you down for lack of contractual compliance.” I mean after all, aren't all those phone calls supposed to be recorded for quality assurance and training purposes? I called back later to try to find out the name of the underwriter or negotiator in possession of our file but they couldn't give that to me either. I asked to be transferred to a manager of sorts which resulted in my call being transferred in the voicemail box of a "collections" manager who did not return my call. I bet that if somebody with enough time on their hands could get to piecing together all of the phone call recordings in chronological order, and per consumer getting the run-around by Bank of America, that Bank of America would be under federal investigation before the Supreme Court and trying to defend a tangled web of lies and lazy business practices in no time flat!

We're still playing the waiting game with Bank of America. We're on the verge of losing our home despite doing everything asked of me and then some. I also know, based on conversations with Bank of America representatives and co-workers who deal with Bank of America as a daily profession, that I can request for Bank of America to postpone the foreclosure sale date on my property. But they will not actually do anything to fulfill those requests until roughly 10 to 3 days prior to the scheduled sale date, which basically means that Bank of America is not only being unprofessional and distasteful about their modification practices, but that they're simultaneously and tactfully hindering hard-working citizens from proactively saving their American Dream and their homes.

We have worked long and hard to have what little we possess and to provide to our child. To educate, discipline, and teach our child the values of honesty and responsibility. We find comfort in knowing that our child's moral compass is pointed in the proper direction. To me it's unfathomable that a child who still knows very little can make better morally grounded decisions than the staff at Bank of America. Unfortunately, Bank of America isn't the only villain out there. I have contacted a couple of law offices with open/active cases against Bank of America. Some small and some class action; but all they want to do is get me to start a new lawsuit against Bank of America so that they can collect a hefty retainer fee for their services. Unfortunately, this is all turning out to be the works of a federal government whose congressional leaders are bribed by our president and the interest of corporate officers and shareholders.

The feds know that Bank of America is the largest financial institution in the world and that any legal action against them that favored the hard working American would result in the absolute single worst economic banking decline since 1929. The same ** that scared the feds into billions of bailouts to the auto industry and other Wall Street ventures, etc. I am going to post this on every blog I can find and share this with as many people who will read it or listen to it. We the people are not being treated with any dignity by our government or the financial institutions reaping on the benefits of our woes. If we do not stand together and unite against the fraudulent practices of governmentalized corporations, we will lose what little individual liberties we still have. Whatever happened to: "We the people, by the people, and for the people"?

My phone calls to them end at a dead end. I have been hung up on, yelled at, and threatened if I don't agree to the terms in the modification, my house will be back in foreclosure. I want to know who is monitoring them, because as far as i can see, they're committing financial murder and getting away with it!

After 2 weeks I called and again was told to expect the paperwork. (7 weeks have passed) I was told to wait another week. I called again and asked for status and was told that nothing was sent out and they would send out paperwork immediately and I should receive the paperwork within 2 weeks. (8 weeks have passed so far) Over the next week cousin did not see anything from B of A. I called again and was told the paperwork is in process and should see it within the next week. 3 different calls on the same day and I get 3 different answers. During the last call I was also told of my temporary modified payment of which was almost $700 less. Further into the conversation I was advised if I did make the reduced payment my home could go into default that could result in foreclosure. I advised the customer service agent, that happened to be the only nice one, that to date I have not received anything from B of A except for my monthly home loan payment notice.

This agent I spent almost an hour on the phone with and was able to gleam some additional information regarding this situation in regards to keeping up my regular pmt for the reasons stated above and that she has heard many complaints from customers about never getting any paperwork and long delays regarding it. She told me she escalated the paperwork request and told me to call every week till I get my paperwork. I told here once again I would be leaving to work outside the state and if the paperwork could be sent to my AZ address. She took the information and told me to keep an eye on both addresses. (9 weeks have passed) A week later I called and was told the paperwork is in process and should be sent to my AZ address. (10 weeks have passed) Another week goes by and I call to find out status and told I should see the paperwork anytime and if I don't see anything to call back in another week. (11 weeks have passed) I call again and was told that the paperwork was not sent out and they do not know what happened and would have the paperwork sent out immediately to my AZ address. On May 13th I am at my AZ address and my cousin comes to my home from and finds 2 federal express packages dated the 11th.

Under my direction he opens the packages and reads the letter to me. The instructions state "Please complete and fax the remaining documentation to us at xxxPH# or send it to us using the enclosed FedEx envelope. Please return this information as soon as possible or within 5 days of the date of this letter (dated May 7th) or by May 12th, 2010. Tracking number shows package was picked up on May 10th and delivered May 11th at 12:06pm. I call and was told that I need to get the information back to them in the time prescribed. When I pointed out that it's impossible when the package is not shipped to the address I am at, 800+ miles away and the information is due in less 12hrs from the time it was dropped off, I was told that this is their rules and I would have to start over. So I start all over again.

I've made the "trial payment" for 4 months, as agreed from January through April 2010. Once my April payment was made, BAC stated that I would need to either have the modification completed or I would need to begin making regular payments. I decided "to be safe" and make the regular payment for May. The payment posted on April 22nd. The bank states that I am past due and still need to make a payment for May.

Currently, the modification is still "in process" and I am required to make twice my regular payment. The modified payment was roughly half of my normal payment, which is ridiculous because it isn't remotely close to my expected modified payment. Currently the account is past due and accumulating fees. If I continue to be past due, I will go delinquent and foreclosure will proceed.

BAC has three departments that have been working on my loan. And all three do not provide accurate information.

Once my April payment was made, BAC stated that I would need to either have the modification completed or I would need to begin making regular payments. I decided "to be safe" and make the regular payment for May. The payment posted on April 22nd. The bank states that I am past due and still need to make a payment for May. Currently, the modification is still "in process" and I am required to make twice my regular payment. The modified payment was roughly half of my normal payment, which is ridiculous because it isn't remotely close to my expected modified payment. Currently the account is past due and accumulating fees. If I continue to be past due, I will go delinquent and foreclosure will proceed. BAC has three departments that have been working on my loan. And all three do not provide accurate information.

As of May 19, 2010, our statement still does not show the payment. When we asked about insurance payment that was made in 2009 and told them that we had to pay out of pocket $900.00 to reinstate our mortgage insurance, they said that they would look into it. What they did to reconcile this issue is to take $900.00 out of our escrow account to pay us beck (with our own money). Now of course, we are short in our escrow account and to fix this they have increased our mortgage payment to make out the shortage they caused.

This is not the end and of course we are having the same type of issues with BOA paying out taxes which will be due soon. This feels like extortion and we are trapped had have become indentured servants to BOA. We have been in contact with the Office of the Comptroller of the Currency but have don't received much assistance. I don't know where to turn... Help! Theft, harassment and willful negligence on the part of BOA resulting in my home owners insurance of being canceled. Because of this, we are unable to change insurance company because of the non payment by BOA and we are unable to secure another mortgage with a different lender. After receiving harassment from BOA for the past 10 months, they still have not cleaned up there mess and I'm still paying for it!

During my whole trial period time and beyond, I have sent various documents to them as they requested as well as all of my tax documents. I filed my taxes through e-file so I wasn't required to sign. Any other time during this whole process (12 months), if any documents was requested, missing, unsigned, updated information needed or whatever they required, The Making Home Affordable Department or HOPE Team would normally write and FedEx a letter or have a representative call. I am really upset that I was not informed that my tax documents need to be signed or that I wasn't given the opportunity to provide that document to them.

I would like to know what I can do at this point. Is this legal? I have all of my documents and proof of all the information sent by fax and by mail to Bank of America. I have all the letters received from their office requesting any information needed to assist them with completing the process. And what's really funny is I've spoken to 15 representatives within the past week and every last one of them said that their system shows I've submitted my 2007 and 2008 taxes documents and they sent my case to the 2nd Look Department. I have a letter that was FedEx to me last week confirming the denial decision due to missing/unsigned taxes. I really need some assistance because now I just may lose my home due to their inaccurate information or the lack of the negotiators real research. I fear that my son and I will be homeless due to this mix up. My son and I will end up homeless and it has damaged my credit plus I had to file chap 7 due to the debt caused from paying a $4500 mortgage.

We obtained a "No-Doc" loan at the encouragement of our lender, because we were self-employed and we're comfortable with the payments, etc. We did not lie regarding any of the information provided for our loan, as many people had done. When the economy started to turn, our business income went down; and since I was a stay-at-home mom, I decided I'd re-enter the workforce.

I started working for a municipal engineer, and we were still able to maintain our finances as previous. Then, 18 months later, I was laid off from my job in June 2009. We continued to use our savings to keep our mortgage current and immediately put our home on the market, as we sadly watched the value of our home drop.

Since we had put down such a large amount, we still had equity in our home up until December 2009, though it was just about at break-even. In August, we saw that we were in trouble and applied for the "Making Homes Affordable" program. At that time, I was told that I was not authorized to discuss this account because I was not on the loan. My name is on all documents that we have, but throughout this ordeal, they have insisted that I was not authorized. We had many hassles just trying to get information, since my husband was working and I handle all of our paperwork. We were told that we were pre-qualified and should hear something within 30 days. We didn't.

When we contacted Bank of America, they stated that they never received the paperwork. We re-applied and started the entire process over again. Meanwhile, our savings was running out, but the bank said we had a better chance of qualifying if we kept our mortgage current. So, we started selling personal items such as a camper, truck, motorcycle, etc. in order to maintain. Finally in December 2009, we were notified that we did not qualify for the Making Home Affordable program because our income was too low? What? That's what the program was for.

Meanwhile, our realtor had someone who was very interested in our house for a short-sale price. So reluctantly, we agreed and signed the documents. We were told this process would take up to 90 days, so we proceeded to rent another home over Christmas/New Year's vacation and moved out of our own home so that the transition could happen quickly and without interruption of our son's school year. This was the first payment we missed. We heard nothing regarding the short sale until March, when we were contacted by Bank of America telling us that our short-sale account was being transferred to an outside agency who could handle the transaction much more quickly. Well, now it is May; and our home still sits empty and our credit is ruined.

Bank of America continues its bullying by now changing the interest rates on our credit cards for previous balances. When we made the charges we agreed to a 9% interest rate. How can it be legal for them to change the interest rate on previous balances to 29%?! We called to discuss our hardship with the credit card payments, and they said there's nothing they can do until the short-sale process is over with. So now, we are falling behind on these payments, as well.

This past week, I made an "online" payment to our business credit card, and for some reason, it did not process. We have now been charged a late fee, and our credit line has been zeroed out. When I phoned Bank of America, they told me I was not authorized to discuss this account, even though I'm a card holder and have been the one making the payments on this account since we opened it. I voiced my opinion harshly but without vulgarities, only to have their excellent customer service representative hang up on me! It's very difficult to understand how they can get away with mistreating the public as they do, especially after our tax dollars are what bailed them out in the first place.

Our credit is ruined. We had a credit score of 700-800 before this ordeal started. Bank of America didn't take this or our previous customer loyalty/history into consideration. If Bank of America would have modified our loan to perhaps a 50-year mortgage, we would still have our home and wouldn't have lost our $200k investment and they would still get their $350k loan paid off. Instead, they opted to agree to a short sale for $100k less than what we owed and will most likely come after us for the remaining balance. We have no money for an attorney, as we put every last penny we had into keeping our mortgage current. Sad, very sad.

I mailed it back promptly in their prepaid FedEx envelope on the 29th, which they received on March 30th, for which I have all the proof with the signature of the receiving person. When I called in the middle of April to inquire about the status of my application, they could not find any information about my returned papers anywhere in their system. When I told them that they had received it on the 30th of March, after much delay, they told me that they had received it and a loan officer was working on that. I called again on April 27 and I was tossed from department to department in the three hours time, including a debt collection department, where they told me I was current on my payment.

One person told me that I was declined as they could not go any lower than the interest ceiling. Another told me that I was declined before they sent the package and now they were freshly looking at my papers and I need to call during the first week of May. The person who was supposed to handle my account told me that she did not have any info about my application and if I was interested in the loan modification, then I should contact HUD! Sensing something fishy, I contacted the HUD agent assigned to me. Next day, she arranged a conference call with BOA starting with the Customer Service. Again, we were given a runaround.

At one point, an arrogant Home Affordability plan representative, who told us that I had two accounts with BOA when we started the conversation, said that BOA did not handle my account any longer (that would be very nice!). When we asked to be transferred to the supervisor, we were connected to a voicemail. Finally, we reached a representative who told us that my request for Home Affordability was declined on March 20th (the very next day of their mailing me the package, which happens to be Saturday when they do not work). When I asked what happened to the package that I had mailed, she not only did not have the information, but told us that a separate department decided to decline based on the earlier financial information that I had given to them over the phone, which I simply do not recall as they never called me to collect my financial status at all.

So she told us if I was interested in the Loan Modification, I need to apply again. I applied again. When inquired how long it would be before I hear from them, she told us that she was not sure as they were swamped with applications. My HUD representative realized the arrogance of BOA within one session itself that she recommended that I contact the Attorney General of California, which I did. Overall, they do not have any information about the papers that I had sent back. They do not even know where I sent it as one of them told. After all this, starting last Friday, May 14th, I have been getting calls from people claiming to be from the Debt Collection department of BOA saying that it was related to my Loan Modification.

I simply do not understand how the Debt Collection Dept is involved when I have been up to date in my payment (until now), you declined my request to modify my loan, I am up to date in my property tax payment and my I/O loan did not have any escrow attached to it.

The Bank of America representative removed the late fees as they couldn't explain why we never received our escrow notice and placed that amount towards the new mortgage value. My wife and I still thinking that all is well placed this incident out of our thoughts. This is where the horror begins. As something came up and since my credit card and mortgage is through Bank of America, we decided to apply for a $15k loan. Well, it got declined, so we called as Bank of America never called or notified us via email that the loan request was denied. Why, I asked? The very rude Bank of America customer representative said that I should pay more attention to my credit score!

So, we went to our local bank and discussed the issue and they helped weed through the confusion. Bank of America reported to their credit rating services that we have not made a mortgage payment in 4 months! In fact, they showed the latest payment (which had the proper escrow adjustment included) as not received. Even though our local bank shows that the original value was always transferred in time out of our account to Bank of America and that the new value was also received by Bank of America on time and at the new corrected value.

Long story short, I called the horrible Bank of America customer service center at Bank of America (which is simply a call center and no customer service) and requested that they remove the no payment statements that they submitted to my credit report. They said, "No." We fought back got transferred up to their Office of the President - which is simply another customer call center with in Bank of America and requested another review as there is no reason for Bank of America to ruin our credit! Spoke with a Tina and she said the request was received, reviewed and that Bank of America will remove the negative credit statement - in 6 to 8 weeks and that we will receive a letter in 7-8 days confirming that decision. Great, my wife and I thought.

Well, the letter showed up and was the exact opposite of what were told. I called that next Monday morning and since a Bank of America customer is never allowed to talk with the same customer representative, my wife is forced to repeat the entire story to every new customer rep which takes between 30 - 45 minutes each call. The new Bank of America rep tells my wife that the letter is correct and that Bank of America will not remove the "No Payment made"- on my credit report. We are beyond a casual conversation with Bank of America now. Instead, we have contacted the BBB, Attorney General, local TV and continue to make very public statements against Bank of America.

My wife was told that another review will take place and that we should here something in 7-8 business days. This past Saturday 5/15, I got the same exact copy of the original letter dated back in April stating that thorough review has taken place and that they negative credit statements will stay in place! Bank of America is the perfect example as to why we as Americans should really worry as these overly large financial institutions have all the say and are not held accountable for their own missteps that harm their customers.

I am looking to remove my mortgage away form Bank of America and have since got a different credit card and will never ever support Bank of America and that includes my association with the Aircraft Owners and Pilots Association that benefits from their association with Bank of America. So, our battle with Bank of America continues and tomorrow (5/17/10) the phone calls begin yet again. Meanwhile, my credit is absolutely destroyed over a $200.00 difference that was a simply lack of communication issue between Bank of America and their customer. So, why destroy a person's 30 year credit history? Especially since all was made even? Credit was absolutely destroyed over a $200.00 escrow difference. No support from Bank of America and no Customer service support. What can be done? according to Bank of America, there is nothing that we can do as they hold all the cards.

Well, they are wrong and my credit will be restored and I will never do business with Bank of America again and I promise to always share this story with others that are or are considering doing business with Bank of America. I have already convinced others to stay away from Bank of America. Sadly, I had no say in dealing with Bank of America as Country Wide sold out!

The latest apology letter we received from BA, dated March 26, 2010, that they are still working on our loan and will take them more time.We visited our property on April 15, 2010 and there was already a padlock owned by Coldwell Banker.The Lawyers that we hired to help us with the Loan Modification process can not help us anymore. Hoping we can resolve this at the earliest and we can get our property we had invested. We lost the additional income we have to pay for the tuition of our 3 daughters in college. Now, we don't know how we could make both ends meet. Thank You.

And here we are, May 14, 2010, and they still can't figure it out. My credit union was even bridged on the phone with Bank of America to provide the Raw online payment files and they still can't identify what account the funds are getting posted to. Meanwhile, this is killing my credit and my second job (the Census Bureau) asked if I was delinquent on a federal loan, which happens to be a home loan. And it all adds up to a mess due to Bank of America's **. They still can only tell me they are researching and that their payment research department has found the payments being applied to a gold option Visa/Mastercard. But there's one problem with that. I don't have a credit card with them. It has been so frustrating calling them every day and speaking to many supervisors who insist the research is being done but cannot give me a letter explaining they have received payments and that credit report will get corrected once this research is complete. That would be enough to give my employer to show them that I am not 9 months delinquent. I've had to take days off work and now my second job is on hold and Bank of America still can't get it together.

My Credit Union even emailed me the raw data files on the online payments after a second call where Bank of America asked to bridge Bellco Credit Union on the line and Bank of America still could not provide explanation of the funds. So, on the send call with both banks, Bellco agreed to email me the file as well as refax it to Bank of America. So the proof is in my hands but how does that help me when the Bank of America who is responsible is taking their time and is putting the burden on me and my bank to help them.

So after many calls to Payment Research, they are just telling me they need to research and will correct it as soon as research is done. So when I ask how long that will be for it's been over a month of me working with them and they cannot say for this takes time. I finally paid an attorney to help me. I didn't know what else to do.

My information is still not submitted/input into the system. Finally, Sheila (her assistant) did it. Thank God for that. I am still calling and emailing Colleen, only to find out through another person, that she no longer works for BOA. There goes another week. After a while, I was contacted by Zoila, with information that I needed to send/fax. I did just that (I thought). If I forgot to send something, or I forgot to sign a letter, just pick up the phone, and tell me, or send an email saying "I got the letter but it is not signed". That is simple. I feel as if I am so alone in this deal. I am trying to make it work, but I am in a tunnel listening to my echo. I know that they are busy, and have other loans to process. I know that my loan is not much money at all (only $19,200), compared to other home loans. I know that some things are probably out of 1 person's hands.

Communication is the key. If I send an email, it is okay, and their responsibility to respond or get someone to do so. I have been down this road before, with the other closing that I completely gave up on, that took 5 months to close. I can not go through this again. I thought that by coming to BOA, their processes would be more efficient, and the communication would be better. I have been a customer with them since 1999, and I will say that I am saddened at the way this has turned out. I have given the documents that they requested online, quickly and orderly.

I know that most people do not do what I have done. Does BOA realize that the news has published that you are the worst bank in the country, for customer service? They had an opportunity to prove them wrong, with me. Do not think that this is easy for me. I am losing $1,340 of my hard earned money. You have taken $535 for an appraisal, and $35 for a credit report from me (upfront). I had to pay $300 for a survey, and my $500 earnest money is gone also. That hurts.

I began conversing with BofA for home retention assistance and a modification. The first go round, they lost my paperwork and case, so I began again and had to have a judge put off the sale that they did not do like they said they would. And when they came back with their agreement, they added $22,000 to my mortgage for their fees and raised my payment $200. So much for any relief that the government has flaunted around. It's not going to happen, crooks!

The house had depreciated anyway due to our terrible economy, and there is no way I can agree to another $22,000.00. I would be upside down about $45,000. So I guess I have no choice but bankruptcy.

At the end of March, Mr. ** asked if the utilities had been inspected. I explained that the home had been appraised and everything was tested in order to qualify for FHA financing. HUD held the inspection report which is at the disposal of mortgage companies. This was not acceptable to Bank of America but the inspection which was not ordered until a few weeks later never happened.

I had the gas and electric turned on for nothing. I had to have the utilities turned on again on May 5 when the inspection finally happened. The inspector found everything to be in working order, except the water was not turned on as the home had to be completely winterized. HUD had the lines pressure tested for the FHA appraisal and no leaks were found.

On May 7, Mr. ** informed me that he was requesting the the underwriter to grant an exception to the water as the lines had been pressure tested. He noted that pressure testing is even more reliable than actual water in the lines as the lines will not hold pressure if there is the smallest leak.

On May 13, he stated that underwriting refused to sign off on the loan. He backtracked on what he said regarding the integrity of pressure testing by stating "I agree with our underwriters and that it is not an unreasonable request and quite risky for both you and Bank of America to not know if there is a serious water issue." I am sure the bank has its policies, but knowing the lines had been tested and winterized seem reasonable when considering an exception. Also, this all should have happened much sooner as I could have gone to a lender that understands and accepts actual FHA appraisals.

Because Mr. ** took so long in disclosing the utility testing and getting it done, I went through three closing extensions with HUD, which cost me more money. They waited until the end of my extensions to fully disclose their decision. The utilities were not a part of my conditional loan approval. I have missed out on the First Time Home Buyers' Tax Credit if I re-bid on the house and HUD no longer offers a $2,500 owner-occupant incentive. Given the money and time I have spent and the incentives I have lost, I would say that Bank of America owes me close to $7,000.

On April 16, 2010 I received a threatening letter from Bank of America advising me that my home loan is deemed to be 'in default' and then subsequent letter of April 21, 2010 which constituted a Notice to Accelerate Foreclosure on my property. I have called Bank of America's offices several times in April and finally on May 7, 2010, reached their Home Retention Department by phone, only to again receive conflicting and confusing information from an Assistant Supervisor who then proceeded to disconnect the call when I requested a full statement of the account, a payoff balance amount and for specific information on what department, what address and what supervisor (i.e. human, not automated computer system) I should be communicating with and making payments to in order to clear up the balance and any accounting discrepancies on the mortgage. Prior to this, I received various letters and payment booklets from Bank of America with inconsistent information and demands, the most alarming letter advising that instead of reducing my monthly obligation on the account to an affordable amount so that I could retain my home via a modification as I requested, Bank of America had arbitrarily and maliciously imposed an escrow account against my mortgage, without my knowledge or agreement and without providing me with any information or details on what are the costs and charges attributable to the escrow account, and arbitrarily doubling the amount of my monthly mortgage payment, not reducing it! Additionally, during the time period in which I have been trying to obtain a satisfactory response from Bank of America to my requests and applications for a loan modification, they randomly assessed outrageous and illegal late fees, fines and charges against my account in an attempt to plunge me further into debt with them and thus ruining my credit rating.

Before all of this, I received correspondence dated March 23 and March 25, 2010 requesting that I re-submit all financial information in support of my application to Bank of America for consideration for a modification of my existing home mortgage with this company, even though all of that documentation was previously provided to them by fax and certified mail in December of 2009 in good faith of their assurances that they were reviewing my account for a timely modification. Now Bank of America is asserting that since that documentation is over 90 days old, I must re-submit all documentation again when it is obvious that Bank of America has intentionally delayed the review of my account for modification for more than 90 days in order to be able to request that I jump through more hoops and re-submit all of my financial documentation again and again, thus placing my account into an endless cycle of submission of applications and documentation, failure by Bank of America to review on a timely basis, request for more documentation, assessment of more fines and fees, non-review of the account, another request for more documentation, etc.

Note that I initially contacted Bank of America in October of 2009 requesting a forbearance or modification to my home loan in light of various economic difficulties I incurred in 2009. These hardships included divorce, medical costs due to serious illness and identity theft where my bank accounts were frozen for a period of time. I called over 6 times with this request and was transferred to various departments at this company, each providing me with different and sometimes conflicting information. During those phone calls I provided Bank of America with detailed financial information several times as requested by their staff and in compliance with their instructions on how to proceed with a loan modification. After providing such detailed financial information by phone multiple times, I was then asked to submit documentation of my financial status in writing by fax, which I promptly did on December 2, 2009, fax transmission confirmed. In that correspondence, I also provided Bank of America with a letter outlining the sources of my recent financial hardships and included 17 pages of financial documents as requested. After that, I placed numerous calls to Bank of America's Default Prevention Department, Bank of America's Home Retention Department, Bank of America's Making Home Affordable Program Department and various other departments at Bank of America, including calls made on December 12, 2009, December 28, 2009 and January 11, 2010, only to be referred to other phone numbers and various other departments, all claiming that I would be contacted by the appropriate department as soon as possible to move forward with a modification, some advising that my application did not appear on Bank of America's computer databases, some advising that they couldn't access full information on my account via the company's computer databases, and others providing me with various other excuses, including the excuse that Bank of America received so many requests for loan modifications from homeowners that they didn't have enough personnel to review my account (although they certainly seem to have plenty of personnel to make harassing phone calls to me and other struggling homeowners day after day).

In a phone conversation with a representative of Bank of America on January 11, 2010, it was confirmed that Bank of America would send me a package within 45 days of that date outlining new loans conditions and modifications for which I might be eligible, as well as the procedures for finalizing such a modification. When I did not receive such a package within that time frame, I again called their Home Retention/Imminent Default Department on March 22, 2010 and was advised that Bank of America was still in the process of reviewing my request! In the meantime, I have been subjected to excessive harassing phone calls to both my home and cell phone numbers for several months by Bank of America, sometimes 14 calls a day starting at 8:00 in the morning and continuing until 10:30 pm, even on the weekends, with curt demands for payments. When I answer these calls and speak to Bank of America's representative, they are unwilling or unable to provide me with any information or status on my account and merely advise that they are debt collectors and continue to harass me to make more payments by phone. Now, I'm also receiving emails from Bank of America demanding money but no one at Bank of America can be bothered to provide me with a complete and full detailed statement of the account from inception, a statement of what charges are included the new escrow account (to which I have not yet agreed), or any specific information on the status of the account and what specific fees and charges constitute the purported balance amount due.

Bank of America's acts and omissions in my case, and in the case of other homeowners, should be reviewed and legal remedies and damages should be pursued via a class action lawsuit or otherwise at law. Extreme emotional distress, credit rating ruined unusual fees and charges accessed against my mortgage account without explanation or notification, possible foreclosure on property, and loss of my home even though I have over $200,000 invested in it.

Then they sent me, 5 months later, a notice to accelerate foreclosure, and stated that I owed them $9,000.00 I asked them how is this helping me, they told me to take my paperwork, tax papers, bank statements, pay stubs to a BofA office here in Phoenix which I did. There, they told me to make one home payment of $1600.00 and that would put the foreclosure off for 30 days while they work out a new mortgage payment plan for me, which never happened.

After cashing my check and crediting my account, they sent me another notice to accelerate and a bill for $8800.00. A week after that, I received a letter from them that said, “Oh, we are sorry but we don't have any programs that you qualify for, again we are sorry.” No, truly I am indeed the one that is sorry. I never had any troubles working with CountryWide Mortgage, but as soon as BofA took over my mortgage, I have had nothing but problems. They are truly arrogant and mean and will do absolutely nothing to help a US Citizen who has a financial issue.

Mr. Obama and Eric Holder stated that Bank of America would work with distressed homeowners which in reality is complete and utter non-sense. Bank of America isn't doing anything other than getting rich once again. We, the People of the United States of America, have nowhere to turn when it comes to taking on The Bankers, you know the ones that caused this housing crisis. I owe $200k on a home that is now only worth $135k. Then BofA told me basically to go and screw myself. I will be losing my home if I do not come up with $8000.00, that truly is the bottom line.

I explained to Loretta that they gave me no choice but to file for bankruptcy or sell my home and she quickly said, “I will make a note of that in your file; you had rather short sale.” I explained to her my home was family-owned since 1950 and I did not want to sell, she was forcing me to. It ended up in an argument in which she hung up. It would have been different if I hadn't been making my payments all the years on time, but I have.

My partner is no longer with me and put a hardship on me, money wise. I have used up all my savings and working a 40-hour week job is not enough. My health does not permit me to work more. So I am giving up and going to just walk away. Thanks Obama, it was a wisp of hope...just another statistic.

So after searching for a job in SC for nearly five months, I find a job in my field of Human Resources, not a great paying job, but I don't care, it is work. So I take it. Shortly after I get another offer, hospitality Human Resources Manager, well this is exactly what I had been doing, so I was excited. I give my notice and start my new job, in October of 2008. Shortly after I start, it is my job to lay off, nearly the entire staff. Well next thing you know January 2009, I too find myself unemployed. I called Bank of America, my mortgage lender and ask to use my loan insurance at which time I was told no, because I was not in my job for 90 days.

I go on unemployment, pay my bills with the help of my husband's job, then my friends start to tell me about how they have had their mortgages modified, so in March of 2009 I call BOA and ask how I can do this. I was told that I cannot since my mortgage was current, but if I don't pay April and call April 15th they can help me. Stunned that the bank told me not to pay my mortgage, but also knowing I can pay it on the 15th with no late fees, if I don't like what they tell me I do as instructed.

April 15, 2009, I again call BOA they tell me they do not yet have a modification program for people who are current because the laws were just passed that offer such programs and the people at the bank have not learned the steps to offer it to their customers. Instead, they offer me a 6 month partial payment plan. I was told that I could pay half my mortgage for 6 months and by the time I was done with that they would have the other rules worked out and I could modify. I think this sounds great and since other friends with other lenders had a similar situation, I thought ok. I continue to look for work and make a payment every month. In the meantime, I would get letters from BOA that my loan was late. I called, they said ignore them. They are from accounting.

I continue with this through the summer of 2009. In September, I got a check back for my mortgage payment. I was baffled to say the least. I called and asked what was going on? I was told that a partial payment plan meant I could pay half at the beginning of the month and half at the end. I explained that was not how it was explained to me. Then I was told, “I know most people were misinformed.” I asked, “What can I do?” They say, “We will try to modify your mortgage.” So I go back to paying the full amount of my mortgage each month.

In the meantime, I have collected and sent tax forms, paycheck stubs, monthly bills etc. to the modifiers several times. Nothing! In January 2010, I start to get checks back again and BOA online banking is now rejecting my online payments! So I call again. When I get through, they tell me I did not qualify for the initial modification, but they would continue to check programs I may be eligible for. Ok, so I keep paying, but now I have to pay by calling each month and giving a check from my Bank of America checking account to the Bank of America agent on the phone. I get another call in April to send in my financials again. April 15, 2010 I sent them in, I get an ugly call from the modifier who says she did not get my financial and can't help me if I don't help her. In the meantime, I have received a letter from BOA that said thanks for sending in your paperwork we are trying to modify your loan.

April 30, 2010, I resend all of the information requested by the modifier, only to get another ugly message on my phone that she still has not received them. I call back on the number she left and get the collections department, they can see I sent over the paperwork and then I get transferred to the modification department. The woman I spoke to was very nice and she can see that I sent in the paperwork. She informs me she is sending an email to the person who left me a message (as she in NY and the woman I was speaking to was in TX), explaining how to reach my information and if she has any trouble to call me or email me with questions. I do not get a response so I assume that my paperwork is being reviewed finally.

Well you know what they say about assuming, so when I call in early May to make my May payment, I was told that the modification was stopped since I did not send in my financials. I explained to the nice man what I was told by the woman in Texas. After a short hold, he too found my info and cannot understand why the account was not continuing through the process. His advice was to call back and ask for it to be done a second time. Then I asked why my account shows me so many months behind when I have been making payments. He told me that none of the payments that I have been making since trying to modify have been made to my account; they are in a separate account. Well, it is not his fault that this is happening and he tells me when the modification is closed out that all money I paid will go towards my original loan. Then I can start the process over again.

As you can imagine, this has caused many issues like my credit score, my ability to refinance with another lender, as well as my health. It has cause such stress that I have been suffering from depression for a year. I finally found another job, as a server, which has helped some with the depression, but this situation was caused by the bank and not me. If they had told me no, I would have made full payments every month and now they won't help me fix it. This is one of the banks that received millions of tax dollars for a bailout. Really?! Thanks Obama! Thanks Washington, you are really helping the people. And thanks Bank of America for not only ruining my credit and my family life but possibly causing me and my family to become homeless in the near future if this is not corrected.

Bank of America took a few days and then decided to review the file to see if they would resend it. Once again they said no! Why? We were qualified and had a really good offer in. They accepted before, so why are they doing this to us?! We had a contract! What is a contract to buy a house good for if the bank can use excuses to get out! We have 5 kids and finally found a house that was great for us. It needs work but we are willing to put in the effort. If there is anyway that anyone can help, please let us know. We are going to have to vacate and are currently looking for another home in our price range and in a good school division for our 5 kids. A lot of stress, mental and physical wear down, and money for moving expenses and down payments/deposits.

The notice of foreclosure had the number of an attorney that I was supposed to call. No one answered my calls and no one ever returned messages I left. No one at BoA will tell me anything about my home, what happened at the auction. They tell me to call the attorney, but the attorney still does not answer and does not return my calls. I am not the only person this has happened to; many, many people have the same story.

Well, here we are 6 months into having a lawyer and BofA has done to them the same thing: give them the run-around every time they call. Yesterday, we received notice that BofA has put our house up for foreclosure; yet if you look back at the documentation from Home Rescue (they just contacted someone at BofA on May 4, 2010), they were always told that "the file is still in review and no further documentation is needed at this time.” Yet 5 days later we have to find out from a 3rd party that we are in foreclosure! Isn't there something seriously wrong with this? We have 3 children in our home (11 years, 3 years, and 6 months) and the stress that this whole situation has put on our family is horrible.

We did everything that BofA asked us to do from the beginning. Now, the possibility looms that we may have to uproot our family which will cause major stress to our 11-year old. He has Asperger’s syndrome and does not deal well with changes to his life, routine, etc. I was active duty Air Force and had to get out because I had orders to another State and I turned them down just so I could keep him in New Jersey because that is what he "knows" and it keeps him stabilized. I don't know what we're going to do if we have to move. It could set him back years.

On Friday, May 7, after making many inquiries we were told that the paperwork had not started processing. We were told that the faxed documents had not been received (we have a receipt for the fax) and that numerous other documents were necessary. We worked with the processor for many hours on Saturday, May 8, scanning the documents that he wanted. We were told the paperwork would be at the title company for our closing on Monday, May 10. Monday morning we were told that no paperwork had been sent to the title company and that B of A is now beginning to question the appraisal of April 15.

It looks like there is no way we will close today, in which case we will have to have all documentation redrawn with a new date and will have to pay additional fees of some kind. All actions by B of A in this matter have been irresponsible. We have a good credit rating and responsible credit history over many years and literally have nowhere to live at this time. We have paid weekly rent on a small apartment as we wait for the matter to be resolved. We have paid for 4 storage units for our belongings because we don't have anywhere to put them. We have been told that we will have to pay extra penalties and fees because we did not close on the date specified. We are under incredible stress because we have acted in good faith and still have nowhere to live.

I received a letter from the bank stating I qualified for the modification. I faxed the necessary papers and waited. At that time, I was told that I would be informed later on what monthly payment I would make. Every month, I would call about payments and every time I received a letter. After being told not to make payments, I received a letter of foreclosure. Again, I was given fax numbers to send my checking account, IRS forms and other information. Not one of the numbers apparently worked and when I did receive confirmation, the bank claim they never received it. I decided not to continue faxing such important information.

For a whole year and some months, I have been calling them on monthly basis sometimes just to hang up that phone without any information. Adding to my frustration, I don't know what is going on with my home. It is a ridiculous situation. I wonder if you can post something that will give us a number to call or an address to send a letter to to give me a response about what is going on. There must be some type of government entity who watches over the work of places like that. Thank you.

This goes against what they told me and is keeping me from ever getting this mortgage current. I had been unemployed for 2 years and I just got a part-time job finally and thought I could potentially get this caught up. I feel they are misrepresenting their policies to me and abusing my trust. It is a bad practice to take the money and apply it to late fees first and not my outstanding mortgage balance when I am behind 2-3 months. This will cause me to lose the house. They will cause the house to go into foreclosure by applying what little money I do send it to try and make the mortgage current.

Now we are in May and I just spent the whole day calling them until I got a loan broker who spent the last 20 minutes apologizing for the the way the bank treated the paperwork and that they are backlogged and won't get to my paper before June. This is after they deducted $500 fee in April for their "services." Tomorrow morning I'm closing all my 3 accounts with them and moving the money to [competitor bank].

I confronted the officer who basically told me I was lying that he could see it on the satellite picture. For those not familiar, an easement is property that is owned by someone else that you are given rights to or vice versa. Obviously, this cannot be seen by satellite picture. It took me three weeks of sending surveys a letter from the utility company proving that no easement existed as well as statements from BOA's own appraiser. At this point, we are well past our closing date. Once this matter is cleared, I'm assuming things will move quickly. Apparently, they did absolutely nothing but sit on my paperwork while this matter was being handled. They did not complete one single task on their end and had lost papers I sent months before.

I called the loan officers supervisor who never returned my call then within hours was called by the loan officer who told me he was denying my loan because of an $11 debt that was years old but purchased by a collection company a year prior. FHA will not approve if you have recent debt even though you could clearly see the year in which the debt was made. So I thought okay, I'll get a co-signer and reapply. The bank had already forced the seller tho fix things and spend money to have work done and they just denied me. The bank assured me all the inspections and appraisals could be used for the new loan and that they had all the documentation they needed on the power tower that this will not be an issue the second time around. I am now two months past my close date. I was told I should have final approval by last week.

Well, last week they called and said that all my credit checks out, all paperwork is in so whats the problem? The power line. How is it that I had to fight one officer to follow their own HUD regulations I finally get it cleared up with all the documentation to prove it and they are questioning it again? They are now claiming marketability issues. This is insane because their own appraiser notes that the appraised value of the house reflects the deduction he made for view and the house still appraises for well over what they are lending me.

At this point, It seems they are looking for any reason to deny me. How can one officer say the power line is okay, it's all free and clear then another one turn around and say it's not? It seems to me the regulations are very clear and my house is eligible for financing and my credit is too. It's like they are trying to find any loophole to deny it. I would never use this bank again the people there are inefficient workers. They are impersonal, lack social skills, unorganized, lose paperwork, don't return phone calls. They are uneducated on their own company policies and are incapable of finishing anything without constantly reminding them and double checking to make sure it's done. I still do not have final approval. I put in my offer Feb. 25, 2010. It is now May 3, 2010. It was supposed to be a 30-day close and it's been over 90 and we are nowhere near. They haven't even set a tentative date.

As a result, I have lost my apartment because I gave notice to be out at the end of April thinking that was plenty of time since we were scheduled to close a month prior. My apartment was rented to someone else leaving. My husband myself and our baby, nowhere to go. You never think buying a house you would be facing having nowhere to live, nowhere to move your things but that's what happened to us. Thanks to Bank of America.

This was in mid January. Two or three days later, I received my mortgage statement for February 2010. This statement had an escrow balance of one cent (My taxes and insurance are paid by myself therefore I have no escrow account with my mortgage.) I called BOA to find out why there was an escrow balance included with my statement. I was told by CSA that I had to have a escrow account with a modified mortgage. I informed CSA that I did not have a modified mortgage. I was told that they have you down as having a modified mortgage. I asked who they were and was told the modified mortgage division. I was then transferred to the modified mortgage division. I explained my situation to this CSA, I then was transferred back to the mortgage division. I was transferred back and forth between the regular mortgage division and the modified mortgage division and talked to five CSA with no resolve to the matter.

Since mid January, I have spoken with 13 CSA. I have mailed three letters One to Modified mortgage division dated 3/12/2010 along with documents for the trial period (I did not sign these documents and crossed out each page and wrote refused on each page of these documents) for the modified mortgage. One letter dated 3/12/2010 was sent to the insurance division as I was told I needed additional flood insurance on my home with which I complied as soon as I was notified and BOA has billed me for lender placed flood insurance.

The third letter dated 3/29/2010 was sent to Barbara D. (President of the mortgage and insurance division of BOA located in Charlotte North Carolina.) This letter was sent certified mail. This letter to Barbara D. explained the whole situation I requested "that my account be returned to it's original state and that any derogatory information reported to the credit reporting agencies i.e., Trans Union, Equifax, and Experian be corrected or withdrawn, as my mortgage account has been paid within the guidelines of my contract with Countrywide/ Bank of America".

I received a letter from BOA that they received a mortgage payment on 3/19/2010 but did not apply to my account until 4/1/2010 which made my account thirty days late and subsequently affects my credit rating. In the letter to Barbara Desoer I requested that my account be returned to its original status by 4/30/2010. As of 4/30/2010 there has been no resolve to this matter with my mortgage account. I have never signed any documents nor have I ever authorized anyone to change my mortgage to a modified mortgage. In January I called BOA and declined the modified mortgage and stayed with my original contract which again I have honored the terms and conditions of.

I do have copies of letters from me to BOA stating that I do not have modified mortgage and letter from BOA stating that they held my payment (making my payment thirty days late.) I have receipt for letter sent to Barbara D. sent by certified mail. I have original documents for modified mortgage and trial period for modified mortgage (except for one set of trial period documents that have never been signed that I crossed out and wrote refused on each page.) As of 4/30/2010, there has been no resolve to this matter. I have spent hours by phone and letters trying to resolve this matter causing me to use fuel and my time going to insurance company, post office and department store for supplies as I live in a rural area and I am also disabled causing a strain on myself both physically and financially to try to resolve this matter. I have not yet pulled my credit reports but will do so soon since BOA has held payment for mortgage, I am sure that my credit rating has been negatively affected.