Bank of America Mortgage Reviews

When I asked why an impound account had been set up without my knowledge and/or authorization, I got the major run around. I eventually went in person to my local B of A Home Loan office and tried to get help from a live person. All he could do was get on the phone just like I had done. We got nowhere. B of A was saying that because I had called and started the loan modification process that they had set up an impound account. When I said that I was told I did not qualify and that there was no modification in process they again had no answer.

When I asked that the impound account be closed immediately they told me that they could not because it now had an outstanding balance due of over $2,000 and that I would have to pay that off and then maybe they would close it. I started writing letters to everyone I could think of. I sent B of A a check for the taxes that they paid and my bank, USAA, is send back the monies they received for my insurance. I have my doubts that B of A will now close the impound account. Anyone else have this happen to them?

The reality is they do not help, they do not modify loans, and they do not make any arrangements to any homeowner. They do not lower principal. They do not forgive any part of the principal. They make big statements about all they are doing, when in reality they are doing nothing. There should be an investigation. I have a home that has decreased over $300k in value. In my lifetime, I will never have even equity. We have lost 5 potential buyers because of Bank of America’s pitiful system. Do not believe that they are helping. It is a joke. Emotionally, this has been a disaster. I have had to stop all contributions to my retirement account to make ends meet, but they say I make plenty.

The Bank of America supervisor told me to contact all my friends, relatives and church to get money to pay them. The Bank of America supervisor told me, "You need to take steps to overcome your hardship so you can pay your mortgage." Every time I call to follow up on the loan modification, they tell me I need to pay the balance due per the mortgage agreement. They have been nasty/militant/harassing. They are stalling (refusing) to complete the loan modification application from February 3rd and meanwhile harassing me and sending me foreclosure threats. Now they sent a new packet as if I never applied for the loan modification program. Yet they tell me the original is under review. Bank of America is using underhanded tactics to stall completing the loan modification or any help. There are 10+ departments and phone numbers. It is fraud. They tell me they will give me a loan modification but it never happens. Why are they allowed to harass me and continue foreclosure proceedings when I have already applied for a loan modification/loan workout plan that they are stalling/refusing to complete? My loan was originally Countrywide Fannie Mae/Freddie Mac loan.

If I continue with these problems, I will have to move out of the home and give it up or lose it, because I default on my reverse mortgage by failing to keep up with mortgage insurance and property taxes. I am now having trouble finding out if there is any solution for people who get into this kind of problem. Also, only after I made the loan did I come into the realization that if I filed for bankruptcy, I would be defaulting on the reverse mortgage. No one ever told me that this was a condition of my reverse mortgage--that I could not file for bankruptcy.

The job loss and rising home owner costs could result in my losing my reverse mortgage. What can I do?

I still think my interest rate should be reduced and I should not be penalized for simply asking a simple question. It scared me and my wife to death. At a time when we're trying to rebuild and sigh with relief that I did not die of cancer, we don't need a bill for over 8K which is what they wanted when we added it to the regular monthly payment. I am 72 and do not need this kind of aggravation. As it is, I am forced to sell my house simply to survive.

Here is my problem. About 12 years ago, I received a special VA loan for low-income veterans to purchase a home. My home comes with a zero-interest rate. My original loan was through Temple Inland Mortgage Co. It was passed on to Guaranty, to Countrywide, and now to Bank of America. Every time I got a new mortgage company, they immediately started harassing me. I believe they are trying to take my home away, so they can make a huge profit of it.

After the first time that they tried to foreclose on my home, I started keeping better records. I bank through Chase, and I have online bill pay. I chose Chase, because I could pay my bills online and keep a record of all my bills. It tells me when they received my payment and when it was deducted from my account.

Anyway, I contacted BofA about my mortgage and told them that I never have missed a payment. They asked me to provide proof of my payment to them. I printed my statement from my bank and took it to the BofA in my neighborhood. They looked at my evidence and told me that my problem would be taken care of. That was a year ago. Last month, I went to the Veterans Land board, the guarantor of my loan and explained my problem to them. I was told that they were aware of the problem. They stated to me that BofA computers have a problem processing 0% loans and that BOA and the VA were both aware of the problem. Yet, they keep harassing me over something that they are responsible for.

When I called and tried to speak with someone, they are very rude and act like "How dare you question our business." When I questioned them about being behind on my mortgage, I was told that I missed this payment and that payment or I was late making a payment. What they did not know was that I bank and pay my bills through my bank online. I told the lady I was talking to that I did not miss those payments. I told her when the payments were made and when they debited my account for the money. She then told me they will get back to me, but no one ever did.

I receive my monthly certified letters from BofA on 4/27/2010, again stating that I am behind on my mortgage payment and threatening me with foreclosure again. I have been going through this for over 10 years now. All the other mortgage companies have tried to get me out of my house one way or the other. They eventually gave up but not BOA. I recently learned about banks buying up mortgages. That immediately sent up a red flag. I question why would a bank purchase a "no interest" loan when they are not going to make a profit. Then, I realized they can make a huge profit by repossessing my home. My home is worth $86,000; I owe about $19,000 on my home. I feel I can no longer trust any mortgage company.

Another issue is that I pay my property taxes and insurance with my mortgage payment. The tax office here in El Paso has sent me delinquent tax notices before. I think that my mortgage company had to pay a penalty for paying late. They have tried raising my mortgage payment to cover the penalty. Why should I pay for something that they screwed up.

I have become so frustrated with BofA that I do not want them to handle my escrow account. I would rather do it myself. They are now trying to charge me $75 for uncollected fees. Why? I have not missed a payment. Also, my mortgage payment goes up and down every month. In the past 7 years or more, I have only received 5-6 payment coupons in the mail. When I question them on why they cannot send me a coupon, I was told that I needed to get my payments to them by the 15th. Yet, they have a whole month to get a mortgage coupon to me, and they cannot do that.

In 2008, we moved up to Vermont and built a new home on the lot adjacent to our ski house. This lot has 5 acres. We have a total of 8 acres on the 2 lots and the zoning is 3 acres. To maximize the use of the land and to legalize the metal workshop which we renovated as a little clubhouse (no dwelling permitted), we applied and received approval for a planned unit development (PUD) with permission to put 4 buildings on the 8 acres. But with all the geniuses and high moral characters, and extremely competent, I must add, working at the big banks such as BOA and the investment houses, where all the employees get million dollar bonuses, the economy tanked and the stock market crashed and so did our plan to carry out our planned unit development on our land. As we no longer needed the ski house, it became a full time seasonal, short term ski rental house. With everyone in the country, our cash flow became a little strained.

We are very responsible people with high credit scores. We put all our mortgages, and whatever debt we are allowed on Auto Pay so we were never late on these debts. As we have successfully reduced the principal on both BOA mortgages, we decided to see if we can consolidate the loans and take out a 30-year mortgage on the ski house for the total amount of the 2 loans, and pay off the Florida mortgage. That will essentially reduce my monthly mortgage payments in half so I called BOA to ask if they make loans for residential rental buildings. I was just in an inquiring state. But the loan officer Linda **, who responded to the call, said yes, they do, and quoted a very good rate with zero point and underwriting fees, and then proceeded to take the application. I had no reason to hesitate at that point.

I had applied for many mortgages and did many refinancing in the last 20 years. And I am an accountant. So I always submitted detailed and fully explained and complete documents that were asked of me, so the mortgage process has been fast and easy, so I thought would be with this application. Then I received a conditional approval showing all the terms, subject to verification of certain documents and appraisal. To cut it short, I had no problem with the financial part of my application, but I was having a real problem with the appraisal. And the problem is not the usual, not enough equity in the house type. The first appraisal called for an appointment, and half an hour later, he called back to cancel. He said BOA cancelled. After you get a preliminary approval, a loan processor was assigned to the loan application. So I called the loan processor, Paul **, and left a message. I could never reach him. I could only leave messages. After a couple of days and several messages, and I didn't hear from Paul, I called customer service, who told me that Paul is no longer the loan processor on our case. It's Anastasia ** now. I left a message. No response. I called the underwriter, Linda ** who called me with questions before to inquire what was happening. She asked me why I was calling her. She said that she was no longer my underwriter. But she said that she will pass the message.

The next day, another woman, Twana **, called me and told me that she was the underwriter, and that the first appraiser said that the ski house was part of the planned unit development and therefore, commercial property and the best use is for bed and breakfast. I asked, how can it be commercial when it is zoned residential, it hasn't been a bed and breakfast in 20 years, it was residential one family when we bought it and this very bank gave us a residential one family mortgage. We are not operating a bed and breakfast, we rent it short term seasonal ski rental, and the bank has all our financials and tax records and leases.

We are not permitted to have any commercial activities, and in a small town like Killington, the zoning people will know if we are violating it. I spoke to the underwriting department supervisor, and she said it is commercial, because it is a PUD. I said, "All the high-end gated residential houses in Florida are PUD. The houses on our street in Killington are also PUD. And they are not commercial. I don't think she understood what PUD meant. I told her that the appraiser never came to the house. She said that he called the zoning administrator. So the next day, I went down to see what was recorded at the town hall, and met the zoning administrator. He said that he sort of remembered talking to some guy, but never told him that it was commercial. Then he voluntarily, without my asking, wrote a letter stating that it is R-3 zoning, the little club house is not permitted for dwelling, and it is not multi-unit, and it is not permitted for commercial use. I faxed the letter to my file, and a few days later, I was told that they will redo the appraisal (but the first was never really done).

The second appraiser came, and she took 2 hours inspecting and measuring the ski house and the little house, and left. I did not hear anything for a week. I called and left a message for Anastasia, no call back. I called again the next day, and the answering machine said that she is no longer the loan processor, and to call customer support to find out who the new loan processor is. I did, and Paul ** is my loan processor again. I left messages, and he called me back and said that he didn't know why it was cancelled either, the Bank of America appraisal division made the call, and he had no control over that department. Later, he said that it was cancelled for some technical reason. Then during dinner a couple of days later, I received a call from the third appraiser, asking to set up an appointment. I went a little crazy and told the guy what was going on.

He said that he will call BOA the next day and find out and call me back, but never did. I spoke with Paul ** and asked him that the second one already did the work, why not let her finish the report, rather than wasting more money hiring a new appraiser, delaying the closing process, and giving me more work. He said that the Appraisal Department won't back down, and they must have a new one. So be it. The third one called, made an appointment, came 1 hour late, spend not much time like the second one, and left. After about 10 days, I received the report with a value that put the debt/asset ratio of 1/2, as a single family unit. In the meantime, I got 5 different good faith estimates since the first one, but the later ones showing 1% points and fees, then changed to 1/2 points and fees. I questioned this and was told that it will be determined once the appraisal came.

After a few days, Paul called and asked for more documents and the same documents again which I had already sent for the underwriting department. Now Lisa, the third underwriter, is reviewing my loan. I asked her and she said that whoever is available takes the file. So each applicant is not assigned an underwriter, who knows the case. New ones come and review and question the same things all over again. She said that this system is more efficient, or else, I may be waiting for one underwriter, who may be busy with other applications, and may not be able to get to my file. Whatever! My husband is a partner in a law firm, and they work some cases on an hourly basis, and some on contingency basis. The self-employment is never the same, some years high, and other years, it’s low.

My experience tells me that they average the income 2-3 years. After the review, she said the 2009 income was not sufficient with some many mortgages (I also have a house and a condo in CT). So I had to go through my lecture of self-employment income to her and told her it should be average, and she should talk to her supervisor/manager. At least she was nice. She said she will, and she did and came back promptly that afternoon that they are averaging the latest 3 years, and that there's plenty of income, and we passed her department.

Now Paul said that it has been 90 days since the last underwriter checked our credit, (we began our application early January) and he needs to pull the credit history again. He did, called me back the next day, and said it was fine. All he needed now to close the loan was a statement from the appraiser that the well and the septic that we have vs. the town water and sewer is normal for the area and that it did not have negative effect on the value of the house. When he received it, only then can he ask from the appraiser for a rent schedule for the area. I didn't ask at this stage why he needed to wait until he gets one thing before he asks another. He said that the appraiser is not responding.

That was the only 2 things he said that he needed now to close the loan. Then on April 16th afternoon, I received a call from the 5th appraiser, that BOA ordered yet another appraisal done for the ski house. All the blood rushed to my head. I called customer service and was able to track down the person in the appraiser department, a corporation which is a division of BOA, Chris who said that the appraisal was invalid, because he used comps which are far from the house (its Vermont, rural, the design is unusual for a single family). It’s been established that it was built for B&B and was a B&B, which is why it is unusual; it is suitable for rental to big groups. (I am applying for a loan for a rental building. The house is a rental house, whether it is 4 people or 16 people renting it. We are residential rental, we rent the house. We don't rent rooms. They need to understand that distinction, what makes it commercial. A lot of houses that are rented are not commercial, they are residential. I filed schedule E, not Schedule C 1040). Then he said that Paul ** wanted the statements from the appraiser and is not getting it.

I called Paul **, but he can only left a message, so I pulled out the appraiser report and read it. All the things that they were questioning is explained in the Text Addendum of the report. That is why the appraiser was not responding because it is all there in the report. It seems that nobody, neither the appraisal department of Paul ** read the report. I made copies of them and faxed it to Paul to show everyone. Then I left for vacation. When I came back today, I saw Paul’s email to me saying that the appraisal department said that the report is invalid. The house may be zoned residential, but is best use for commercial. They have been saying that from day 1. I still don't understand what best use means. It can be used only for what it is zoned, or will be in violation. The appraiser department wants to send a commercial appraiser to the house. I told Paul that I am not going to allow any more appraisal, and if they turn the loan application down because of that, I will make my complaint to the top of the BOA head of mortgage department, Consumer Affairs and the banking commission. I hope your attorney can advise me of my options here. Paul said that they sent my file back to the underwriters to find other options. I think they just want to determine that the place is commercial so that they can rake up some high fees which they charge for commercial property. And this is the same bank which is holding my current second home residential mortgage, which they are now saying is commercial, in spite of the appraisal report. Please advise.

I have paid over $2000.00 in moving expense. I have invested over $25,000 in home improvement in order to sale and obtain market value of my property. My wife and I have traveled over 1500 miles in relocation efforts. I have purchased 2 storage facility on the average of $250.00 monthly each. I have also rented an apartment for approximately $450.00 monthly. I feel BOA's irresponsible conduct will cause me to lose my buyer. If BOA's customer service department is allowed to continue to function in this manner, many more consumer will suffer dollar and emotional harm. I am asking for a full investigation of BAC customer service department and if appropriate, a fine be levied on this corporation for irresponsible behavior that borders on criminal.

Each time that I have talked to a Bank of America representative, I was assured that the problem had been "noted" and "corrected". I am very displeased in saying that nothing has been fixed. Bank of America continues to call me on a daily basis, with the harassing phone calls about the late mortgage payment, that I do not owe! I have received up to 10 phone calls a day on my cell phone, concerning this. Bank of America has also called me at work, where personal phone calls is highly looked down on.

Here is one example, On April 26, 2010, Bank of America called my cellphone 10 times while I was at work. After I got home, I returned their phone call once again, concerning the same problem that should have been fixed 9 months ago. I was on the phone for approx. 2 hours, and at the end of our lengthy conversation, I was assured that this would "no longer" be a problem. I took the representative's name, and obtained yet another confirmation number and ended our phone call.

On the following morning of April 27, 2010, I received the first of 5 phone calls from Bank of America at 8:12 AM, concerning the same problem, that was suppose to have been fixed only 13 hours beforehand. Bank of America has done nothing to help me, and the phone calls are becoming more and more harassing. I have all kinds of proof that my monthly mortgage payment has been submitted, and received by Bank of America. I would like for this annoying problem to be resolved as soon as possible! Personal phone calls at the place I work at, is highly looked down on. I had a verbal warning from my supervisor, due to Bank of America calling me. I also have a medical condition, IBS, which flares up any time I get stressed over a matter. I had to leave work, due to my stomach issues. I have also had to leave work early, and lose pay, to come home and call Bank of America about a payment that I have no control over.

We keep impeccable records. We have faxed the proof of payment to Bank of America and have proof of the faxes received and ultimately we are apologized to, were told the calls will not happen again and then a day goes by and the calls start again, for four months now. We have had it and are disgusted, our credit is perfect and we have never had problems like this before. We want restitution and we want it now.

We went to qualify and the lady at the bank, **, was so helpful. She said that she could get someone on the phone who would process our application and she could print all documents for us. So she called the Mortgage Department and referred us to Melanie **.

At first, she was really nice saying that we should not have a problem and we have all of our finances in order and also have our checking and savings with them. It took her like 30 minutes. Then, she told me that we had been approved by the bank for 172k and change. Then when she was getting ready to send the pre-qualified letter to the branch representative, she stopped and said that unless we could get the record of our previous house sale off of our credit, that she would not give us the letter.

We asked why that the house was sold last summer and we didn't not owe anything. She said that it was sold on a short sale and would not help us. We had to get the other bank to report as a regular sale. When I spoke to a friend whose house was sold on short sale just last December, he told me that he was able to get a new loan larger than mine with Bank of America and his credit is bad.

Maybe it's because I have a Hispanic last name? She refuses to help us, even after we got a letter from the other bank saying we didn't owe them anything. The IRS and the new law that Pres. Obama passed aren't enough for her. As a result of her negligence to assist us in getting a mortgage, we were not able to buy this house and now have to continue searching for a home.

I not only lost time, but had to ask for a day off work to fix this so-called problem she said I had.

I called BofA since I was not required to have an escrow account and had reviewed the Deed of Trust from the National Bank of Arizona, the original lendor. The new first mortgage payment combined with the second mortgage payment would require half of my monthly income. This year, BofA jumped in again and paid the 2009 property taxes, before they were due without giving me an opportunity to pay them.

From the beginning, I have contacted BofA Home Loans many times via phone and letter, asking for assistance. Every employee I spoke with only demanded the money, all the way up to the CEO's office. My mortgage payments remain current and paid in full and on time each month. Yesterday, I received a letter from BofA Home Loans stating that my mortgage loan is now in default and that if I do not make the doubled mortgage payment by mid-May, they will proceed with foreclosure on my home.

The emotional stress over the past year for me over this situation has been enormous. I am being harassed by BofA Home Loans by letter and phone. And when I returned the calls and letters, no one would assist me. I am a single working person and have gone through job losses resulting in pay cuts; yet, I have always made sure my mortgage payments were made on time and in full. I have contacted many public agencies up to the President, and I have had no assistance. Legal aid will not help me because they say my income is too high. Please help me!

I have spoken numerous times with customer service rep Terina ** about my payments, and she assured me that we were current. I then get late notices every month and even notices to accelerate to foreclosure. I am tired of trying to deal with this company; my credit report needs to be fixed by them and they need to figure out that my payments are current. I get phone calls at work all the time, even after I have told them to delete the number from the call list. I am headed towards hiring an attorney for the harassment by BofA.

The original mortgage was done through an unscrupulous broker in 2007 and the loan ended up with Countrywide. It was an ARM, and due to financial difficulties and unemployment, I was not able to make even "interest only" payments by 2008, resulting in monthly negative amortization (I was making the "Minimum Payment" each month). This was just at the time the markets were crashing, home values plummeting, and unemployment skyrocketing. Since the fall of 2009, I've called (mostly) and been called by various BOA reps, offices, divisions, etc. I have been given copies of 3 separate "approved" modification agreements, dated Oct 2009, Dec 2009, and Jan 2010. They all detail the new modified mortgage to be a fixed rate, 30 year mortgage at 5.5%, with a monthly payment of $979.21.

I have been making these payments of $979.21 dating back to Nov 2009. The payments for Nov 2009, Dec 2009, Jan 2010, and Feb 2010 were set up over the phone with BOA and supposedly made via electronic transfer. I received confirmation of this, including confirmation numbers for each transaction, from a BOA rep in Jan 2010. Due to the repeated inconsistencies and incorrect information I was receiving from BOA rep phone calls and via mail (I've received only billing statement reflecting the correct payment due amount of $979.21 since the Oct 2009 time frame), I made the $979.21 payments for March & April 2010 via check sent to the normal billing address. Both of these checks have cleared my checking account.

The dozens and dozens of interactions with BOA have been horrendous. In addition to the many phone conversations, I have sent them all required/requested information numerous times, not only via NIC, but directly to BOA in Dec 2009 and again in Feb 2010. These last two document mailings were via notarized delivery (FedEx). The Feb 2010 one was actually notarized in a local BOA branch and mailed to BOA from there. The bottom line is that BOA still has not sorted this out on their end and I have now received certified letters indicating a "Notice of Intent to Accelerate" and initiation of foreclosure if this is not resolved by May 12, 2010.

I have had dozens of lengthy phone calls with various BOA reps and offices. These have included contacting home retention, loan modification, customer service, billing, escrow analysis, supervisory,and escalation department representatives. Each time, I get different, conflicting info, new/changed "payment" amounts, phone message recording runarounds, "that's not my office" replies, transfers to other reps/supervisors, etc.

This week alone, I spent about 5 hours on the phone with BOA reps. I have repeatedly been told "the modification is approved," "everything is okay." Most recently, I was told the "final, final" approval by BOA was on Feb 23rd, pertaining to the Jan 6 2010 agreement (which is the same as the two previous ones), that the billing statements would (again) be corrected, that supposed "late payment" charges would be refunded, that various reps would research this and get back to me, and that BOA would send written verifications of the approved agreement and other documentation. None of this happened. None of my efforts have worked. I have extensive documentation, including copies of all info I've sent to and received from NIC and BOA, payment dates and confirmation info, dates of who I talked to, on what date, at what number/office, and what was stated. I have a folder pertaining to this going back over 1 year, a folder which is now an inch thick.

Finally, in the process of all of this, BOA has now completely trashed my previously excellent credit rating, not to mention the mental and emotional damages and other financial consequences resulting from these issues. I can no longer deal with the complete malfunction of BOA -- and malfunction is the kindest word I can think of. Incompetent, deceiving/misleading, and grossly incompetent are more accurate terms. The facts of the public bailouts of BOA and BOA's repeated public statements about "new modification programs" and "increased efforts to work with homeowners" only infuriate me even more.

I am interested in my legal options and what I need to do from here. I am more than willing to go public, including all relevant press opportunities, contacting Congressional representatives, class action and/or individual legal actions, etc. I'm not an uneducated opportunist seeking to "get over on BOA. " I'm an honorably retired Air Force officer who graduated from the AF Academy with military honors and also have a summa cum laude Master's Degree.

Meanwhile time was passing and we were out of town and trying to get this thing done before interest rates went back up. Finally we started receiving paperwork about closing costs and we got multiple sets of those. Each one was different and I noticed a $565 appraisal fee even though there had been no appraisal. Time went by and we were getting frustrated and so we sent them an email saying that they should either fund our loan or refund our money. We did not hear anything, and so a few weeks later we finally got hold of someone by e mail and were told our loan was canceled because of our request to fund or refund.

Apparently this happened 3 or 4 weeks ago and we had to contact them to find out about it. We have seen no sign of a refund. During this process of 3 months it was difficult to get in touch with the people at B of A and would take multiple calls and e-mails to get any response. Initially they told us the loan could be completed in 30 days. It has been 3 months, a lot of trouble and they still have our money.

We spent a lot of time getting all the documents together and filling out the forms for them. More time was spent in placing calls and sending emails trying to get things going. Now we still don't have our loan and will have to go through the same thing with another lending institution all over again.

This week, I sent BofA two large payments, $17,025.16 on April 15 and $99,999.00 on April 19, to pay off the loan. From the $17,025.16 payment, BofA applied $100.36 to principle, $780.16 to loan interest, and did not apply $16,144.64 toward anything. They also did not apply anything of the $99,999.00 loan payment made four days later. When I called them, they said they would "put in a request to have the unapplied funds transferred", all while my loan continues to accrue interest daily. They also quoted the unapplied amount as $115,266, which is about $877 less than I should have left over and unapplied. Is this even legal? Why can't I pay off my loan?

I feel that I may be throwing good money away and that Bank of America may not honor any modification agreement. I have sent a recent letter to Bank of America at the same address, asking them to consider a principal reduction or payoff at a lower realistic amount since home values in my neighborhood have fallen. No response.

It has a take a few long phone calls of being transferred and hung up on to get our account somewhat straightened out. We are still not satisfied with how BoA put us in a program that they had no paperwork or signature on. We were made aware that BoA even had someone come out twice to our home to make sure it was occupied!

Why would someone do that other than to possibly foreclose on us, once again, without bothering to look into our mortgage to find out we have been faithfully making our mortgage payments along with late fees because our situation has made it difficult to pay by the 16th of the month? We have been long time customers of BoA but since this inexcusable action, we have closed our bank account and would never reopen it. I am demanding that BoA resolve this issue and put us back in good standing. We are currently in a "home retention debt collection department" which is their fault as well! I have also made a complaint to the BBB.

I said I didn't want to re-apply. I wanted to complete the process that had already been started. She asked if I had faxed the information and I said that I faxed it and FedExed it because I knew they would say they didn't get the faxes. She then put me on hold to talk to her manager and came back and said I wasn't approved because we made too much money.

I reminded her we are unemployed (we do draw unemployment but that is only a quarter of what we used to make and less that 31% of our mortgage which is the qualification level). She then said we had too much in our bank account, which is almost $1000. (I can't even make a whole mortgage payment with this.) She said she would check into it and see what she could do and I could call back at the end of the week. She then stated I should get a letter in the mail soon with the reason we weren't approved. I am at a loss as to who to call or what to do!

Bank of America made my life a living hell and I'm trying to get help and was shut down at every corner. I went to the local branch and talked to a representative in the Mortgage Department who made me feel like I was a worthless human.

I have owned this home for 15 years and never missed a payment and most times, payed extra toward the principal and escrow. Never was I late or missed a payment in 15 years and they treated me as if I was a piece of garbage. I took some documents in to her for clarification and she yelled at me. What do you think the bank is going to do to pay everyone's escrow accounts. According to what I read, a loan modification was to include the escrow account.

The papers they wanted me to sign was a payment around $800 a month and did not include escrow. What they did was remove my escrow payment and gave me the new amount minus escrow. So, I would have to come up with taxes and insurance to the tune of over 3000 dollars.

Now, I am going to lose the home by the looks of things. I had to leave my job due to health issues and have applied for social security disability. I would like to keep my home but have to wait and see how much a month I will get from SSD. I have notified the counselor at Fannie Mae of my situation and have asked her to see if I can stay till the lawyers get this done, but she did not sound too hopeful as she said Bank of America would have to approve it. Why do they need to be involved? The loan is owned by Fannie Mae.

I have no income at the present time. My family has been paying my doctor bills and utilities. I need someone to help me get some kind of deal going till I get the outcome of my case. If you think you can help, please try for me. I can't afford a lawyer and free legal aid won't help till we have to go to court on the foreclosure which I fear will be too late then. I could use some help.

Bank of America started work on my case and required me to fill out several forms and get forms signed from my doctor, which I did several times. BOA lost forms, switched people who were working on my case and always came up with an excuse every time I called to get a status report. I did everything they asked of me and they promised if I completed everything they required, it would go through. After waiting months and months and being told one lie after another, they told me I did not qualify for a loan forbearance. Then they started me on a loan modification process.

This whole process has lasted over a year and I don't think I'm any better off than before. I was asked to make three payments while the loan modification took place. I made all three of those payments and was notified today that BAC Home Loan Services filed to foreclosure on my home. I made all three payments before the due dates and in full. The last payment was sent on 03/26/2010 and was due on 4/1/2010. They filed the foreclosure on 3/22/2010. I have tried to get answers from BAC Home Loan Services but just keep getting the run around. President Obama promised help with our mortgages and BOA is cheating us even more. I'm going to send this same letter to the Governor's office, channel 4 in your corner and anyone else who might help. Every day until someone helps like Obama promised.

This is the reply from Congresswoman Mary **'s Office: "Mr. Thomas, the mortgage modification program was created and administered by the Obama administration. Congress basically has no say in how it is run. We do not have a magic wand." Home Owners that live in Oklahoma City are illegally having their homes foreclosed on and our federal representative can do nothing to help. The banks are committing fraud and theirs nothing you can do to help. How much worse does this have to get before someone helps. Sounds just like a politician.

"Mr. Thomas: Congresswoman Fallin has asked me to reply to your inquiry concerning your mortgage issues. As you know, once a loan modification under the Obama administration's mortgage relief program is in progress, it is up to the financial institution involved to complete that process. Unfortunately it appears that very few people have actually been helped by this program, which has been mired in red tape and other delays. This is hardly surprising, given the many inefficiencies we are seeing in Washington under the Obama administration.

The administration is now talking about a new program, but it is not known what form that would take. "I would suggest you continue working with your private attorney on that issue and on your workers compensation claim. You may also want to contact the Department of Housing and Urban Development, which is directly involved in administering the loan modification program. Unfortunately there is no way a Congressional office can intervene in these issues. Best, Mike B., Senior Policy Advisor."

Ruining my credit, causing undue stress and not sleeping. I'm not sure how to proceed and make sure I keep a roof over my families head.

I kept asking about the status, and he gave the same answer, they were working on it. After almost 2 months, they told me the loan was declined due to my unemployment gap. At the time I started the loan application, the rate was 4.375, now it is 4.75. If the unemployment gap was the only factor they considered, they should have rejected my application upfront. If they were willing to consider my other factor to decide, they should do so. However, they didn't ask me for any document, indication that they were not actually looking at my file, and at the end, they just told me it was rejected due to employment gap. They knew these conditions right at the beginning, and they failed to further investigate my other conditions.

I have an excellent credit score, no single late mortgage payment during my employment gap, house value was way above the loan value, income way above the required income/debt ratio. They just put aside my file for 2 months until the rate hiked recently. It is very unacceptable for this kind of service, and lying to the customer, saying they can get approved. I kept all the email conversations with the loan agent, if there is any evidence needed.In fact, beside the employment gap, I believe they have no other reason to reject my loan application.

It cost me more than $3,000 to get my original rate of refinance, due to Bank of America failed to make decision on my loan application, and misleading me to believe they were working on my file and in fact they did not. Since they can not provide any single other condition to decline my loan application beside the employment gap which I already told them at the beginning of the application process.

Each and every weak, I am told that the date was pushed back just to have another date resurface without my knowledge. If I don't check back every two days, there is a new sales date posted and changed. I am constantly told something different by each staff member of the bank. They push back the process of whatever plan I qualify for and it has been going on for half a year now.

It has become obvious that they are stalling on finalizing a deal and trying to sneak in a sales date. They are pretending to be assisting in this government plan, however, if you look at the complaints boards all over the internet, I am one of hundreds of thousands feeling the same way. This program and bank needs to be investigated for fraud. They are not here to help and do not want to modify the loan to keep you in it. Their goal is to get you out, trust me.

Our 1098 was incorrect, an act of fraud on behalf of Bank of America. We made ten payments (in excess of $2K) during 2009, but they said on the 1098 we had made only two payments with $3K in interest. Bank of America lied on the 1098. In December 2009, I spoke with Bank of America's VP of computer operations and was told our account is messed up and it can be repaired but the damage is because workers did not process our paperwork and payments properly. It was in January 2010 that my wife & I received a 1098 that was incorrect. Two weeks later, I forwarded Bank of America a four-page letter outlining my complaint with copies of canceled checks & mail receipts and a transaction listing from their website. I forwarded copies to US Senators and my lawyer outlining my complaint. The response staffers for two US Senators gave me was enlightening - that I was not alone, that over 150,000 customers of Bank of America are complaining just like us. And if 150,000 are complaining, the actual number is closer to 2-million who have been damaged by Bank of America.

Bank of America needs to hire more workers, about 20,000 just for home retention and correcting records they messed up. Just yesterday, our home owners insurance notice arrived despite paying $619 a month to Bank of America for escrow (impounds for PMI, property taxes, and homeowners insurance). We have made our payments on time and in good faith, but Bank of America posts the payment as ",misc. posting" and not "regular payment".

And we are waiting for the $6K from the loan modification to be added to our escrow account (over $6,200). We have been working with Bank of America in good faith; it is Bank of America who is the fraud in our case. And we are still working closely with Vincent *** to resolve this. He has been wonderful through all of this. We have full faith in him! Bank of America's senior management, executives, and board of directors need to be arrested and have 100% of their personal assets confiscated. I have been told that is $50-billion spread across 4,000 senior managers, executives, and board of directors. Bank of America is a fraud and they must be brought to their knees in a short time period! Currently, my credit rating (FICO) is under 600 when in February 2007 it was over 720 when I bought a new vehicle. We must pay homeowners insurance ($1,390) or we are in breach of contract, a contract that Bank of America illegally breached, beyond any reasonable doubt.

After having several appraisals, we decided on a contractor to do the repairs. The contractor told us we could have all of the work done within a two week period after making a 50% down payment. I contacted Bank of America to release 50% of the needed funds for the down payment, and also to release $6050.20 to pay ServiceMaster. I was told that Bank of America will not release the funds - it is their policy to release only small percentages of the funds and then send inspectors to review the progress of the work.

I had the contractor rewrite the estimate, so I could have to roof replaced (it leaks terribly and has caused additional damage and mold). The roof has now been replaced. I called Bank of America to send the inspector and was told that someone will contact me in three working days to schedule an appointment to inspect the roof replacement. The inspector will then send a report to the office. Then, I can request funds to begin another portion of the repairs that should have been completed in two weeks had I been able to disburse the funds from my own bank account!

Recently, I changed banks and set up from my accounts that I have the mortgage payments pushed from my end to BofA since I do not like anyone in my accounts. I received a notice that BofA did not get my payment so I immediately went to check at the banks on what happened since the banking clerk set up the account and said that everything was in order.

Apparently, there was miscommunication between the banks but BofA did get their payment on time before it was late. I called BofA and told them that I had set up on my end that I send the payments to them and wanted the date changed--it was stated from a rep that was okay. She then asked me what bank and the routing numbers. I just thought she was making note of where it was coming from and I never authorized her or BofA to draft my accounts, since I told her I had set it up for them to receive payments from me.

On April 1, BofA went into my accounts and stole my money without authorization! I was out of town on a medical procedure and did not arrive back home until the 6th. After checking my accounts, I saw that and was very upset. I called BofA and told them this was illegal and they needed to return the fees and wait until I send them. The fees were never returned. I tried to call corporate and the numbers do not work. BofA is good about giving phone numbers that do not work and putting people on hold forever.

Something needs to be done about this because if any other person took funds from someone or an organization, they would be charged with thief, conspiracy or whatever. I do not know how they can get away with this. Bank of America was wrong to go into my account and steal my money, even though I have always paid them on time and never late. My personal bank was also wrong to release the funds because they were not authorized to do so.

I cannot believe what America has come to. There is no protection for the little man and the people who work, pay taxes, are honest and try to do the right thing. This world is filled with greed and deceit and it is a shame that the people that need protection never get anything and lose out. Bank of America is the worst bank in the history of America. This is not the first problem I have had with them and that is why I do not bank with them. I will take my funds and guess what, I bank with an Asian bank!

I would like to have something done about this legally because it is wrong and if they get away with it once, guess what, they will do it over and over. That is the way criminals work. I had to call the doctor's office and told them to hold the check because of what happened and I did not want a check over $1,000.00 to bounce. I never bounce checks because I think it is wrong to write them if you do not have money to cover them. I eventually just put the doctor fees on the credit card.

On top of all of it, I am unemployed and have been for over 1 1/2 years and they knew this as well. All I want from them is a chance to keep my house. The article on why foreclosures are increasing was well written and insightful as well as hard for me to read. I have worked since I was 13 years old and am now 54 and there does not seem to be a light at the end of the proverbial tunnel, except for the oncoming train. Stress, depression, anger, sadness over this economy, fear of losing my home, generally taking the life blood from me.

I have no extra money. I do go hungry while at work along with my family and we can't go out and I am stuck 220 miles from home every week. If they won't fix it, who can I talk to hurt them real bad so they won't repeat this mess. Let's sue or something.

Please help me send a message to BofA which states that we will no longer tolerate their potentially irregular, fraudulent and abusive business practices. In the end, the American tax payer did not fail to deliver the BofA bail out in record time, but BofA failed to deliver the American tax payer's bail out in the form of a loan modification. It reminds me of that song by John Lennon and George Harrison titled "Piggies." I invite you to listen to this song on YouTube and see if it appropriately fits.

When I call the customer service number, I have to speak to people that I do not understand and they do not understand what I am explaining or do not care to. I am so frustrated. I am ready to go to the press with this, it is so frustrating. There is no reliable contact name, telephone number or e-mail for Bank of America. I need to get this resolved, or it will continue being a problem. I have the proof of payment and will gladly e-mail it to you. I want this issue resolved once and for all and the harassing letters to stop. Thank you.

However, this has been going on for a while. I completely stopped paying my mortgage. I have contacted the fraud department with Bank of America and they sent me a package to prove that they had given me two modifications since 2008 and stated, "that I was not entitled to anymore." The attorney that they were dealing with at the time sent me a check for $1800 and I tried to explain that it still incorrect. I am very sadden that this has hurt my credit status tremendously and if someone would investigate the loans there are obvious mistakes.

Why are homeowners treated so unfairly? Nova Debt, a customer counseling agency (Diane P), phone # 866-, we were all on a conference call to try to resolve this matter but there were a lot of unanswered questions that Nova Debt could not fix. Please help with this matter. My loan # is xxxx. I live in my home and would like to stay there. I should not have to be in foreclosure because of there errors. The consequences are my credit scores are very low because of mispayments with the principal balance. Then the lender is waiting until I am behind $10,000 before addressing the situation. I am a sick person consistently needing medical treatment. I worry about a matter that I'm totally secured about. Please help. The damages are I could loose my home that I worked so hard to keep. I have been living in my home for 14 years.

After waiting months and months and being told one lie after another they told me I did not qualify for loan forbearance. Then they started me on a loan modification process. This whole process has lasted over a year and I don't think I'm any better off than before. I was asked to make three payments while the loan modification took place. I made all three of those payments and was notified today that BAC Home Loan Services filed to foreclosure on my home. I made all three payments before the due dates and in full. The last payment was sent on 03/26/2010 and was due on 4/1/2010.

They filed the foreclosure on 3/22/2010. I have tried to get answers from BAC Home Loan Services but just keep getting the run around. President Obama promised help with our mortgages and BOA is cheating us even more. I'm going to send this same letter to the Governor's office, channel 4 in your corner and anyone else who might help, every day until someone helps like Obama promised.

I do not have the money because it was in escrow. NO one has the "Money" that was taken from me by way of my mortgage monthly payment. I have in effect been robbed. If it happened on the streets of any city it would be a crime. If corporate America (the banking system "Bank of America" it seems like it is not a crime. I have a 30 year Fixed 8% rate loan which I pay a large amount toward my principal only. I am down to 20 yrs on my loan and I was trying to pay it off in 2yrs or less. This is corruption not an accident. I have been late on my mortgage once when I lost my job in 2001. Only once. I caught it up within 30 days I believe. Never again have I been late.

Today 4/10/2010 I went to pay my mortgage payment I was told that I was $500.00 past due. In March I paid $300.00 toward principal only, along with my regular payment. I have not been late at all. So, I have not had 2009 tax's paid, and the entity is trying to say I have fallen behind on my regular payment. BAC Home Loans Servicing, LP address is **. When I make my mortgage payments with both BOA and the subsidiary I put the cash into my checking account.

I then write a check to pay my mortgage. I do this because I did not trust the bank at all and I was trying to ensure that cash would prevent a problem (such as saying a check had to be held before they would release funds to pay the mortgage and in effect make my mortgage payment late). The bottom line is I have pulled out all the past years of paperwork where my taxes were in escrow and paid by BoA. Therefore to my thinking there has been a breach of contract. Yes we had a contract which stipulated you will hold part of my mortgage payment until the end of each year and you will make sure my taxes are paid. If that was not the contract I would not have the paperwork that I have.

Isn't there a law for a breach of contract? With all that I see on this site regarding consumers why has nothing been done to stop BOA. My girlfriend was told by them she was 2 months behind in her mortgage. She pays online. She collected all her information and proved to them that she wasn't and they fixed her mortgage account. This information was relayed to me. If BoA is saying I am behind the burden of proof should be on them not me. They should know when I fell behind.

I have never received letter or a call about anything being in arrears. While at the bank I asked when that $500. Past due portion happened with regard to my mortgage and I was told they did not know. I contacted channel 11 news regarding this situation and channel 13 news. I am not through. I am documenting this website and I am looking for the regulator agencies that regulate and watch the banking system. I will also contact them. The economy is bad and I am an older person. If I lose my house they will just foreclose and re-sell at a bargain basement price and begin the interest all over again. It is a scam.

If I lose my house I will not be able to equality to purchase another one and I will not have the large down payment that is being requested. I am preparing to leave the job market at my age and I do not have any degrees or skills that are marketable to bring in the dollars that will allow me to save to get into another house. I am posting because someone, somewhere needs to help, hard working mortgage consumers who are trying to do what is right. Things are what they are but to all who are reading this please tell others and have them post there situations.

Had I not stumbled across this web site I would not have known how bad BoA was treating those who do banking with them. So a lady friend says she is going to purchase a home and looking for a mortgage company. I told her to pull up the site and read under mortgage BoA first. She did. She was amazed. Tell all you know. If BoA cannot tell me where they put my Escrow monies and cut a check to me I cannot pay my taxes. It is possible I could lose my home due to non payment of taxes. When I file my 2009 taxes from work I do not have the documentation for itemization of Interest and Taxes to claim. Yes I have the interest paid on the home but without taxes paid I may have to pay IRS or worst I will not get a refund. Which covers other things that I would be hard pressed to pay such as annual car insurance bill?

My credit is subject to being hurt, my credit score is subject to being hurt. If I lose my home that is a big hurt. And of course I know this is not important but the stress of all of this is too much. A contract is a contract. If I am expected to not breech then BoA should be held to the same standard. Burden of proof for the $500 late is on them. If they cannot prove it then I don't owe it. Economic hardship would be losing my house, and paying a tax burden to IRS when I have not had to in the past. Economic hardship is that I have been robbed. Physical damage is not important to a court. Mental fatigue, and muscle tension and cramping. Needing chiropractic care for pain due to muscle tightness.

I am speaking about an issue regarding real property. If an Attorney should contact me they must be board certified, and they would need to be a real estate only Attorney versed in courtroom law. I am not interested in being taken around in a circle. I am looking for an Attorney that understands "I do not have money for you" if you cannot get it out of BOA please, read, laugh, and just move on. I don't want to lose my house but am not planning on becoming anybody's victim. So, now you know about the consequences to me. Are there any consequences for BoA and there subsidiary BAC Home Loans Servicing, LP?

From there on, everything went down the hill. We called every single month and were told to keep waiting. Many phone calls later the story started to change. Bank of America assigned the negotiator to our loan modification, who never contacted us. We kept following up, but with no results. One day, we received a letter stating that we are still with Bank of America but our loan number has changed as well as we no longer qualify for the modification. Since it is the house that our family lives in the stress level started to rise, the frustration and anger filled our home.

Every time that we called the bank, we received a different story. One day, we were back on loan modification, the other day we were not again. It continued for more than six months. Finally, recently, we started to hear the word "investor". For some reason our "investor" is not participating in the Obama loan modification plan, that is why we can't be pre-qualified for two percent which would lower our payments for up to a $1,000 and would help us save our house from foreclosure.

There is another option where the investor would lower our rate to 5% and extend our loan payoff time to 40 years but we are not eligible to get that option for the reason that we waited so long and our loan has more than $25K in non payments. No principal reduction, no refinancing can be done as well. From what I understand, the Bank of America is ready to take our house without giving us any option.

Many times, I asked the representatives about the commercials on TV, the advertisements over the radio, how they are helping people to save their homes? I think Bank of America and CitiMortgage should be sued by fraudulent advertising and tricking people in to the situations where there is no way out. We don't have many options left. If we will not receive help from higher authorities, we will lose our home and all the money we invested in it. Please advise if there is any opportunity to save our home and get the opportunities that were offered by the government to lower the interest rates or the principal on our loan.

They let me know this two days before my house would go on an auction. They told me I was going to receive a letter stating the reason why I was not approved which I never received. So I called HOPE and the counselor was able to talk to Bank of America. They told the HOPE counselor that they had been trying to reach me because they needed $1600 to stop the auction on the date posted, and that hey never received an answer from me. The HOPE counselor was able to reopen the case and I was asked to send all information again asap because by this time it was Friday and the house was going to be sold on an auction on Tuesday.I sent all the papers and they received them. On Monday morning, a Bank of America counselor called me to ask me to send $1600 to stop the auction and that I needed to send it that same day on quick collect by Western Union which I did. By Friday morning of the same week, someone went to the house to put a lock on the door and a letter stating that the house was sold to Fannie Mae.

I immediately called Bank of America and they told me that they did not receive the money before 3:00 pm on the same day, which I was never told by this counselor to send the money before 3:00 pm. Once money is sent by Western Union, it is received within 15 minutes on the same day. That was the most pathetic excuse I heard so far from Bank of America. Bank of America lied to me. They told me they were going to help and I follow step by step what they asked me to do and not only they did not go through with the modification, they took the money that I had put together with so much effort and still sold the house. The pain, the stress, the time lost, the family problems, the nervous days, the uncertainty of not knowing what comes next is an indescribable feeling, besides losing the money you gather with so much effort to solve a problem that became even worst of what it was. My nerves are destroyed and my ulcer got even worse; I don't feel the same.

In February, no one would accept my payment and I was told I was in foreclosure. They would not accept payments in March and now April either. If this happens one more month, it will be four months where it will appear as though I've not made any payments.The situation is dire for my family and I. I've spoken to supervisors several levels up and no one is willing to tell me why this is happening.

I have been manipulated and lied to and shifted from one person to another. I'm told one thing one day and the opposite thing the next day. Some of these people have told me, "I see the problem here and I'm going to discuss this with my supervisor and I promise I will call you back tomorrow. We will fix the problem." I never heard from them again.

I called back the next day, get someone new and have to start from the beginning again. Many are arrogant, unprofessional, unkind and unwilling to review the paperwork in front of them, constantly repeating to me,"You're in foreclosure. We can't accept your payment." I have my signed and notarized contract and proof that they have cashed my checks for nine months previous. I am a mother of eight. I'm in a desperate situation and I have no one to turn to. I just want to make my payments and I don't know where to go for help. Please respond to me at your earliest convenience.

This representative transferred the call to Micaela ID #xxxx. She advised, according to investors guidelines, the account does not qualify for a trial payment plan, partial payment or forbearance. The representative advised the reason why is because the client filed for a loan modification in 2006. She advised this is a FHA Loan and the pool of investors who are in charge of this account are very strict with their guidelines.

We are requesting your help for this client to stay in their home with his family and his children. We really do not want another homeless family on the streets. Please help the homeowners stay in their home. I can be reached at Financial Hope for America. I am a loan modification specialist. Please call me if you have any questions regarding this matter. I thank you in advanced for taking the time to read my letter and for helping your customers.

We would like to obtain a loan modification and be able to stay in our home with our family. The only thing we have received from Bank of America is rejection from all of their representatives. We have faxed them all of the documents they have requested from us. Bank of America received billions of dollars to help distress families like mine. The only request from my family and I is for Bank of America not to foreclose our home that we work so hard to buy and stay in our home. Please help us. Thank you.

The letter was sent with the months listed. I sent in receipts for the months that I could find, totaling to approximately $6,000.00 and I was told by them that I would be responsible for the rest, which I paid by the date given. It totaled around $4,300.00 on October 5, 2009, which by the way, when I called Bank of America, the gentleman I spoke to said that this should bring my payments down, which never happened.

I was unable to pay my mortgage for a couple months because I was trying to recoup the $4,000. Anyway, in December 2009, I received another letter saying that I owed a little over $5,000 and this needed to be paid by December 9. I called BOA several times and everytime I called, I have to explain over again. I tried to get a loan modification that I put the paperwork in December and was told to wait 45 - 60 days for an answer

I called and they said that in January, my income was too high. I redid the paperwork and they told the second time that my expenditures were not enough. So they denied my modification. I have called for copies of my bank statement and to date, I have only received 1 dated September 2009. All the other times they say we have mailed it out I don't know where it's going but it's not coming to me

I am now in foreclosure status and still trying to save my house. I truly hate dealing with this bank.

I have talked with several people and they have never heard of a refinance taking 5 months, I think this is poor business practice and a waste of my money and time. Being that I went with Bank of America, I missed out on a premium rate and the money that I spent initially and paying for the subordination. If I would have gone with the other institution, I more than likely would have been enjoying a lower rate and at none of the hassle I had to endure with Bank of America. Now I am out the initial $500 plus another $150 for taking care of the subordination myself, to which I asked Ashley if she was sure this was going to be finished before I paid the $150, to which she replied, "Yes, you should pay the money."

The kicker is that BOA already had, and has this mortgage. Their refusal is clearly aimed at keeping me at a higher interest rate than currently-prevailing rates. I could never get anything in writing from them. I have requested a copy of their current appraisal (which by law I am entitled to), and instead, they sent me a copy of the appraisal which applied five years before, when the mortgage was taken out. This is not a bank I want to deal with in the future. The interest rate on my BOA mortgage remains at 5 7/8%, deliberately costing me thousands of dollars more, over the life of the loan. BOA is squeezing me.

I never missed a payment in 15 years! I have more than adequate income and a good FICA score. I was told to call HUD. I did and all they wanted me to do was get budget counseling. I said I don't need budget counseling; we can easily afford mortgage payment without lowering it and even making it higher if need be. Then I was told if you don't want counseling call your lender. They never even gave me a chance to explain our situation to see if we qualify for loan modification. Their response occurred just one minute into the phone call.

Call B of A again. 1 hour 15 minutes on hold. Disconnected 3 times and transferred 4 times. Then I get someone who says can you afford your home loan payment? I say yes. They say then no to any modification. Then is the same breath till me; they are sending a "Notice of Intent" in 2 weeks! I’m at a loss as to what to do. Consequence is fear of foreclosure and ruined credit rating. Stress creating medical problems. Fear of having to rent and not allowed 10-year old pets (yes, they are part of the family too). Fear of change after living here 15 years.

I called everyone I could reach at BOA. No one would help us. I told them I had all the documentation that proved we had a loan mod in place with them. No one would help me. One girl even hung up on me. I finally got a hold of a lawyer who sent a strongly worded letter to the legal department, along with all my documents. They never responded. So now, my house is sold back to the bank and we received a notice to vacate this morning. Thanks a lot BOA.

There was never a time that it ever felt to us that the process held any interest for anyone at Bank of America. We felt like cattle being herded the entire time with absolutely no control of our destiny because nobody there cared about our situation, so who were we going to complain to or get interested in our plight when nobody there ever showed that they were? I just kept getting the same "I apologize for the delays" in some form or another. There was never any evidence that they were empathizing with our situation or even acknowledging that we were being tremendously inconvenienced in these life altering issues.

I have never been told that we, in any way, contributed to the delays. We supplied everything they ever asked for within 24 hrs of the request. Their departments were not keeping each other updated with developments or information so we would have to go over things multiple times with different personnel. When we finally did get them to commit to a closing date, it was a joke. They never even came close to meeting it even though everyone else involved including the seller, the closing firm, etc. were never told anything about that day coming and going while we all sat clueless due to our collective inability to get any information or status updates from anyone at Bank of America. Here we are, 13 days after that planned closing date and they are still fixing things in their computers that other processors had done wrong, etc. etc.

We are currently 13 days past the scheduled closing date with no end in sight. I have nowhere to go because I am already supposed to be out of my current residence and the truck is loaded with no destination to be had. The seller is so fed up now that they are threatening to re-list their house with having every right to do so. This entire process has been a nightmare and Bank of America never showed me that they cared one bit about that fact.

We then received mail that was forwarded to us here in CA. It included a Federal Express package from Bank of America with about a ream of paper documents for loan modification. I had to shred all of these. Yesterday, I received information on our escrow account. The last page made reference to our currently participating in a home loan modification program. I called them right away and tried to get it straightened out. Their representative said he didn't see any place that we were in that program, even though their telephone automatically routed me to the collections department when I entered my account number.

After I got off the phone, I checked one of my credit reports online. They have listed on all of my credit reports and my husband's that we are making reduced payments as part of a payment agreement plan. This is incorrect, actually a lie, and it is damaging our credit. I had to pay money for a couple of credit reports and go to each of them to file disputes. I then called Bank of America back and ended up in their collections department again. I was told last night that they had straightened out their records, but that I would need to contact their customer service department this morning to get my credit reports fixed. I called and was told they need to transfer me to collections. They then disconnected me while transferring me. I then called back and I'm waiting for a supervisor to call.

On January 28th, 2010, they paid my homeowners insurance that was not due until February 2010. I immediately called Bank of America and they told me there was nothing they could do. I would just need to pay them back. So again, I explained what mistake they made in November 2009 has not been addressed or this would not happen. I called my homeowners insurance company to see if they would refund Bank of America back for me and I would pay as I have for the last 13 years when my insurance premium was due in 4 weeks. My insurance company refused to send the money back to Bank of America.

After fighting with my insurance company and Bank of America to fix their mistake, I had to agree to pay Bank of America back for money only on the one insurance payment they make by mistake. I was told this would not happen again and the loan modification would be deleted from my account. Therefore, for the last two months, I have paid my regular mortgage and the extra for their errors. However, again it is not corrected. I noticed that my account was two months behind, and the interest, principle and escrow was not being applied correctly.

I sent emails, called and explain repeatedly every week or every other week for the last two months to get this addressed. Each time they could do nothing except tell me that they sent an email out to the main office to get the account taken care of, as they are not authorized to delete the error. I would of course ask for supervisors or their main number to get this addressed right away. They would not give me any other numbers to contact and would reassure me that my account would be corrected.

No one from Bank of America in the last three months has called me once to talk to me on the phone to verify that my account has been fixed or that they are reviewing it to fix it or to even talk about the account. On April 6, 2010, I received a letter again stating my mortgage account was past due by two months and this would affect my credit score rating.

Once again, I sent emails and called customers service departments for the loan modification error and the escrow account set up incorrectly. They again tell me that my account has been addressed and deleted and they will send email to head office to get it addressed and someone would call me tomorrow. I have been trying since January 2010 to get my account corrected and get the loan modification deleted off my account. It is still not right. Does anyone know how to fix this problem?

On Oct 2009-Jan 2010, I made trial payments. I called each month to verify trial period and requested paperwork, none was sent! On Feb 2010, when I called Bank of America, they told me no trial period was locked in and I was 10 payments behind (They didn't count trial payments as payments). They sent me a letter of acceleration of foreclosure. I sent new financial paperwork to them and they started the loan mod again.

On March 2010, Ryan H. and Susan B. no longer have a phone number (perhaps fired?). Bank of America set up an escrow account for taxes. Now, my payment is $500 more per month. I received paperwork "being reviewed" and no collections procedures would continue.

On April 2010, a new letter of acceleration to foreclosure was sent and I was harassed with collection calls, saying I am 11 months behind. I have made monthly payments (trial and regular) consistently since Mar 2009. I believe they are including escrow accounts as pass payments not paid. I have only missed 3-4 payments since Jan 2009.

We are trying to compile data regarding BoA officials and their addresses so we can contact someone within the corporation to assist us. Do you know how hard it is to get this kind of info? We also are trying to file consumer complaints with any and all available entities and will not hesitate to file a suit in small claims court if necessary to get a judge to intervene in our behalf. We were formerly at the mercy of Countrywide Home Loans since 2001 when our Veterans Administration Loan was refinanced to lower our interest rate from 10.75 to 6.75. That's when the nightmares really began. Countrywide lawyers failed to record our Loan Modification and sent it to us instead.

Then we were forced to file Chapter 13 Bankruptcy to avoid a faulty IRS tax lien. The same lawyer(s) for Countrywide became involved in our bankruptcy and filed a faulty Proof of Claim. In 2004, we paid the bankruptcy in full then in 2005, the same lawyer(s) issued a Notice in Default that we were five (5) payments in arrears! They stopped Countrywide from accepting our payments and caused me to file a Chapter 7 Bankruptcy to avoid foreclosure. Then in May 2006, the same lawyer(s) initiated foreclosure proceedings yet refused to provide us with the amount necessary to bring our mortgage into current status. Once again, we had to file for Chapter 13 Bankruptcy protection. Once again, a bogus Proof of Claim was filed and a settlement was reached by our attorney that there were three (3) payments we could not account for - not that we did not pay, just that we could not locate proof of our payment since 2004 including one (1) payment prior to that 2004 discharge.

We have a $39,000 balance and our property is assessed at $187,000. So we are not upside down, not deadbeats, but only trying to get the figures straight without allowing BoA to screw us further. Trying to keep our home out of the hands of this same lawyer(s) whom we believe to be hellbent to get out property by hook or crook.

We were going to use the extra money to buy a generator. Have had 3 storms and our basement has flooded 3 times, which resulted in mold, which resulted in costly repairs. We were going to use the extra money to replace our driveway. Again the storms have managed to destroy our basement because of the driveway problems. Our credit card debt is increasing because we have had to pay for repairs using our credit line as opposed to using our refinance. What a mess!

Three more months went by. I called every week and the same answer, no news again. In April, they asked me to send financials again and they were trying to approve me through the "home retention program". I did this. I called every week to see where it was. Always the same answer, "Too many people are applying for this, we are very backed up, keep waiting."

Again and again, they tell me that they are very backed up and to just wait.

Now we are in October 2009 and they said I have been declined the home retention plan but to re-send my financials and a hardship letter, and they would try to put a loan modification together. I do this and send them everything again. And once again, I call every week to see if there has been any changes, "Just be patient nothing has changed in your status." I am now behind a year of house payments! Finally in January 2010, I called them and they say, "I am locked in, just waiting for a negotiator to be assigned. Finally my husband and I feel relieved. I kept calling again every week to see the updates, and nothing.

On March 22, 2010, I called and they say I have been declined for every program out there. And they couldn't tell me the reasons why and to wait for the letter in the mail. I got the letter on March 26, 2010 with no details of why. I called back to get on a workout program, and they tell me nothing is available because you are to far behind. Who does this? I have been in foreclosure now almost 2 years with no sale by date. I tried to make house payments and they said "No".

After reading all the information on the internet about BOA, I see that they are actually making money from the President's new plan of making homes affordable. They are getting paid from the bailout money and going to sell my house anyway!

Are you a victim of mortgage fraud? Mortgage Fraud Syndrome, MFS, is a new disease brought on by the United States Government. Unfortunately, at this point there is no known cure. I used to love what I did for a living and loved the real estate industry. Now it makes me sick both mentally and physically and I am literally physically sick. I am a licensed California Real Estate Broker on the Westside of Los Angeles. I am a victim of mortgage fraud by Bank of America. I have had a real estate sales license for 22 years and a brokers license since 2007.

When I think of all the others that do not have the years of experience and vast knowledge of the real estate industry that I do and walk in to a Bank and put their hearts and homes and probably their largest investment in the hands of a liar and a thief, it makes me sick and it makes me sad. I still love real estate. I still love the satisfaction of helping someone find their first home and enjoy marketing and selling real estate. I just am a bit unnerved by what has happened to me. I can be so blatantly defrauded by Bank of America. I cannot help but think of all the others that are being lied to, avoided, dismissed, ignored, promised certain things and taken advantage of. I honestly do not understood how if you do the right thing you are punished and if you do the wrong thing you are rewarded.

Many people are suffering from MFS and Bank of America is not the only culprit. I know that others have been wounded by all of the banks. And the banks in their defense have had to try their best to keep up with the crazy rules and regulations that the United States Government changes every week, every hour and month. All I know is that I would never want anyone to go through what I have been through the past year and I believe that if my experience, strength and hope help one person than the time I have spent on this website, it is well worth it. I have been in and around the real estate industry for going on 30 years. My experience spans the sales and marketing of luxury properties, condominiums, short sales, numerous REO conferences and teaching at UCLA Extension on Foreclosures.

I still have a real estate company and have a wonderful woman that hangs her license under mine and is able to work and do the left things that I can't as after three surgeries last year and recovering from a staph infection, I am not able to do what I used to do at the pace I used to do it at. I have found my cause. I guess I should thank Victor **, the loan officer or loan associate who lied to me for three months and took all of my options away. Options where I could have sold, leased, short sale or something. I began to immediately exhibit the symptoms of MFS when I was waiting for an answer to the refi I was promised.

I was so grateful to the loan agent that I began to send him referrals-- big mistake. I want to help bring hope and joy back into the lives of those that have lost their faith, hope and have succumbed to the demands of lending institutions and that on a weekly basis change the rules, dismiss you, ignore you, lie to you and drive you completely over the edge. And I mean literally over the edge like suicide. I just heard of another one yesterday--that is about one a week.

Thank you Governor Arnold Schwarzenegger for saying you were going to help me and then turning around and saying that you could not help me. Within a 24-hour period. I thought you might have the balls or desire to leave in triumph and make a difference but unfortunately you, like the others, are nothing but a source of disappointment.

Talk is cheap, action is everything. Thank you for sending a letter to the Department of Corporations (if someone would have read my letter they would have known I had an open OCC claim already) who sent a letter to the OCC when I already had a claim there. Thank you to the Office of the Comptroller of the Currency for reading all of the proof and documentation I provided that clearly spelled out that I was defrauded and lied to and then told the truth by another Bank of America employee three and one half months later.

Thank you for never verifying any of this employee. Did anyone read the 600 pages of documents I sent? It included names, phone numbers and was a three-inch binder but you, just like Bank of America, paid attention not to the fraud. The loan officer appeared to possibly be a Bank of America totally ignore you, have not heard the last of me as soon as I am well enough. I will be appealing in your decision.

Thank you State Attorney Jerry Brown for talking about mortgage fraud every single night on the television like a broken record during the week of September 15, 2009. I actually thought you were going to do something. How gullible and stupid I can be at times as I listened to what you had to say. At least the State Attorney General in New York has the balls to file against Bank of America.

I wrote all of you pleading for help with my OCC claim and heard nothing back. And even to you, President Obama. I voted for you. And let me tell you I have emailed you and sent correspondence since September. And I have never had an acknowledgment, a letter, an email--nothing, nada, zero. Sure you care. Your "Obama" Plan has backfired big time.

Now all of the good apples in my industry are rotting slowly into bad apples. Not only in the banks but in the streets in their cars desperate to make a sale. And this plague is spreading from the small to the large real estate companies. The harder it gets to make a living, the greedier the agents get and when they do manage to make a deal they would rather represent both the buyer and seller as it is to do. An in-house deal and "double-pop" something like that is not a conflict of interest, give me a break. I trust very few people. I am lucky I have the few I have. But the ones that know me know that I am as straight as they come and at this point, I have been kicked to the curb over and over and over and over, betrayed by one person after another, lied to, tossed, turned, toppled and trashed.

I want to get well and fight. I want to recover and get well so I can fight. What a wonderful year I had and I still made sales. It is all about intention. My intention is to get well and to do what I can to help others in my situation. Because, even as a Beverly Hills broker. I am a human being and I know what it is like to suffer from MFS. Going public with my story, I am sure, will be seen as completely insane to some but if I save a life, it will be worth it. No one could have predicted what was going to happen.

If someone does not step up and speak up about what is going on in this country, MFS will never be cured. It is spreading across this country like a cancer in epidemic proportions day after day after day. Mortgage Fraud Syndrome is a new disease--one that kills, maims and scars the souls of the American public. And hopefully just like alcoholism it will be added to the DSM V because it is killing people. Do you hear me, Mr. President?

To all of you at Bank of America that helped kill a part of me, the part that was delusional enough to believe in people to think that people tell the truth, you reap what you sow. So believe me--you will. You need this press like a hole in your head. Your bank has done the least amount of loan mods of anyone and to me I will type and type and type until I can't. Thank you for caring more about making money and lying to everyone as though we are all idiots when anyone who would be stupid enough to buy Countrywide must be crazy. And Victor, because I do not slander people, I did not call all of the referrals that I gave you and you made money from those referrals and I refused your offer to take care of me. I do not take kickbacks. But who cares. But now the OCC has denied my claim.

And now I can open my mouth and expose exactly what happened. B of A claimed there was no fraud. If they admitted it they would have so many lawsuits that their bank would be finished. So now I finally get to tell the truth and in doing so may help someone else. I can say anything I want now as long as it is true and all of this is true so there is no slander. Even though you and Tonya M. (she works in the Reverse Mortgage Department), when I wanted to submit my consulting bill, told the client I referred to B of A that I was a criminal. That is called defamation of character. So don't think we are done as we are not.

Please help me make enough noise that someone listens. I am going to appeal my OCC claim and fight and fight for me and all of you who don't know how. I walked in to the Bank of America Mortgage Center on April 20, 2009, the day that Fannie Mae raised the conforming loan .5 fixed interest rate . I had been told the week before that the bank would only talk to me if I was three months late and had an NOD on my property and after arguing with the ** woman on the phone decided to not make my payment even though I knew it would ruin my credit. Now that is real solution.

I heard from a woman at Wells Fargo that Fannie was rolling out a new program on Monday and called back B of A and spoke to a human and he looked at my payment history and said to make my payment and there would be no late charge. So I was assigned to a guy named Victor **. I had options the day I walked in to the bank: sell, lease, short sale or of course commit suicide. But Mr. ** told me not to worry-- he had my credit report, bank statements, tax returns. On 4-24-09 I sent him comps I owned, a condo company--I know the Wilshire Corridor I know what my building can be compared to. But every day or other day he is telling me all is well.

My credit was fine. I had a lot of credit but paid my bills and did until I had $5,000 left. I paid my second and my homeowners dues as Chase (God bless them) did nothing wrong; Bank of America, they did something wrong. I had just gotten a new car, he had my tax returns. I had grossed $450,000 in 2008 and he out and out lied to me and told me I qualified for a refi only to find out from another employee of Bank of America three months later that I never qualified for a refi.

No person was assigned to my case. Each day, my call is received by a different person, information had to be repeated before the person I am talking to reference my loan number and could bring up the information posted from the calls the day before. I learned over time to ask what city the person I was talking to was in because I was given extension numbers of people I was talking to so I would have immediate contact with them. The extension number is no good if I do not know what city they were in. I was also at risk for having my calls drop because they did not know how to transfer the call.

Funds disbursement was clearly stated in the contract from the construction company. $14,000.00 upfront to cover cost of materials, $2,500.00 upon completion of framing, final $2,500.00 upon completion of the job. I was told on March 26th that a check for $10,000.00 had been put in the mail. When I questioned the amount, the BOA agent said they did not have record of funds disbursement. I told them otherwise, that they had failed to read the information they requested.

They apologized, assuring me that in a few days, the additional $4,000.00 would be overnighted so repairs could start. End of day, March 31, the BOA agent informed me that there is no tracking number for the check that was mailed regular mail that day. The insurance check was for $30,701.35. The repairs on our building total is $19,000.00. BOA will not release the overage of the check until all repairs have been made and signed off by their inspector, scheduled when one is available.

A new issue that has come into play on 3/2/2010, is that BOA has sold me a home under false pretenses, and I feel it falls under predatory lending. The MRIS, tax record, and appraisal for my property reads it is 5BR/2BA. My HUD inspector, who is a retired DC code official informed me that the 2BR/1BA in the basement are illegal, due to lack of egress. I informed the escrow department, and office of the chairman about this, and they have either tried to sway me to believe that this is not a valid issue, or they have not provided substantial response.

I now have to pay out of pocket costs, to have work performed in the illegal bedrooms, because FHA funds are not permitted to be used on legal rooms, even though BOA approved the loan, before the inspector pointed out the rooms were illegal. This issue has also halted work, and eventually has caused me to pay mortgage for the last five months on a home I am not living in.

Time has passed and I continuously keep trying to get this matter resolved. My home is in foreclosure, there are all new programs available, and Bank of America will not lower my interest rate or resolve the matter. My principal mortgage was at $59,000. Now, it is at $118,000.00. How can that be? I have contacted the fraud department and spoke to a lady by the name of Maxine who handles fraud issues and the only things she has done was mail me papers that I have received a modification twice.

Bank of America cannot show me where all of this extra money has come from rather than $30,000.00. Please help. This matter has been out of control and there are two many programs that I qualify for. I need to get a clear understanding on what happened to my money. I am at an adjustable rate and I can't understand why the mortgage will allow my loan to get over $100,000.

Our first mortgage has gone back to active and now they want all their money and for us to make our regular monthly payments which we can't afford. We were told we can request another loan mod but that might not happen now being so late with our first. I have been called a liar, yelled at, told to get my facts straight. Getting my money returned is only a wish, I just want to get this resolved so I don't lose our house. I am not threatened and told different stories.

I was placed on a pre-trial period for the Making Home Affordable program. I sent in my first payment, and BofA associates told me that I was never on any program and that they do not have a record of my phone conversation with any one at BofA at that time. It is so funny, because I was on the phone with them for 1 hour and 45 minutes.

I need my story to be heard. I also have saved voice mails from their employees. I need help. It is my word versus their word. Who is responsible or governs these banks? Innocent borrowers lose their homes. I need help.

We have a realtor working with us and they have been very helpful with as much as they could do. We have been asked to supply information after information, to which we gave them, Bank of America, what they asked for. We have been through negotiator upon negotiator. On December 28, 2009, I talked to Sonya at Bank of America short sales department who told me our negotiator was Natasha **. Nothing was happening so we contacted her supervisor, Dwayne **. He said he would look into it.

On January 7, 2010, I talked to Robert from the short sales department who said they received the value of the house on January 3 and it was under review. He informed me that it should be reviewed by January 26 at the latest. I called back on January 14 to see how things were going, talked to Natasha ** and she said she would call me back on January 19. She did not call, so I called her. I got a man named Jurinder who told me our negotiator was changed to Krystal **. I couldn't understand why we were being switched to another negotiator so I asked. I was told it was because we were calling so much. We, the realtor and I , stopped calling every week and went to every other week.

Again we were transferred to another negotiator. Each time we talked to someone in the short sale department, they would say they could not understand why this was not finished. Well, neither could we. In the beginning, we were told that the short sale would take between 90 and 120 days to complete. We received a new negotiator, Jammie **, at the end of January 2010. She said that Bank of America had a new system, called the equator system, where we would have to download all the information they need.

Our realtor was contacted by Jammie ** and was asked if we, the homeowners, would agree to pay $20,000 pmi. We agreed to pay the $20,000 interest free for 10 years even though we don't really want to. We just want this to all end. If we agreed, the bank would agree to the sale. We received a message on the equator system that our file was closed and we would have to start all over again. According to them, we would only have until June 2010 to sell the house. There is no reason this should have taken this long. We were asked to re-enter all our information again on the equator system. I mentally can not go through this process again.

I have lost time at my job, which is only part time as it is, and spent countless hours on the phone and computer to take care of this. We would like some kind of resolution to this situation. Our credit is ruined. Our mental state can't take any more. We feel like Bank of America is just jerking us around so they can foreclose on this home instead of accepting the short sale. Any kind of help you can give in settling this problem would be greatly appreciated. Our credit is shot. 40 years of great credit is down the drain, not to mention our mental state is very fragile now, not knowing who to believe or what to do for a year.

So I have made all my trial modification payments on time and sent in all the paperwork numerous times but only once or twice since getting on the trial program. My last payment was due April 1st 2010 and has been made but wouldn't you know when I called to make the payment the person I talked to (after getting transferred 4 or 5 times) said that they have been so busy, they have not been able to get around to all the modifications to be finalized so I should go ahead and make another trial payment in May as well. Which strings me along, not knowing where I stand, if I will get the final modification or not.

It amazes me that reading Bank of America's take on the situation, they have had poor response as to doing all that needs to be done to qualify, don't send in paperwork or miss a payment. So if so many are messing up their trial mods, then why are they too far behind to do the final work on mine that I have been trying to get for 3 years now basically. They knew it was coming up. They are very secretive about their plans, I guess they find it amusing to toy with people so that they can't get too comfortable in their life, always keep them on the edge of their seat. The papers I signed when this trial was set up said that at the end of the trial period they could modify my loan, do nothing to change anything, or else they could demand all the money due on my home immediately.

So understandably I'm wondering whether it will be a futile effort to tend my garden with the same loving care I always give it. I always get compliments from passersby. so I guess I add to the ambiance, at least for a little while longer. I need to try to get hold of BOA and ask for something in writing because if I have learned anything from this whole thing it is to get something in writing especially from BOA. As I said, they are either deliberately inept or just very ineffective at what they do.

I do not feel BOA is making the "good old college try" to help people as they promised when they made their own bailout deal. I think they jerk people around awhile to appear sincere and then they yank the rug out from under, which seems like a very sadistic game to me. So now, due to no fault of mine, I'm still waiting even though the trial period requirements for me are done. Back to waiting and wondering. I can't make any financial decisions, can't make any definite plans of any kind until I find out for sure what they plan on doing, if they are actually going to help or if this is just a dog and pony shows.

They refused my payments because of reinstatement fees and told me they could not give me those over the phone. I also was in loan modification review. (I did receive that letter.) I called back again, because I didn't receive reinstatement figures. (This is about the 20th phone call before the end of February.) And I was told that I would have to pay $6,065.06 before March 10, 2010 by certified check and sent to a specific address. Prior to sending, I reconfirmed that and sent the certified check via FedEx overnight to the address.

I got 8 different answers on 8 different calls to BofA when I wanted to confirm that it was received--everything from "It was never received." to "It was received, but it was refused because it needs to be certified (which I explained it was)" to "It is not being processed because the amount is incorrect (even though I told them it was what I was told to send by two different employees and I was told they were misinformed and BofA does not honor their misinformed employees' word)."

That was payment for 5 months, and it is apparently being sent back. I received, in the mail, reinstatement figures on March 18 that were due in full (foreclosure and attorney's fees added) on March 3. I got served by a processor on March 13 for intent to foreclose power of sale. I got the mailed copy on March 15, but it was dated February 15.

I called the attorney for the foreclosure sale, and they gave me the CA rep's phone number. He is trying to help me. Prior to this, I spoke with Sandra at BofA who said Steve (foreclosure tech) would get back to me in 1/2 hour whether or not he got a negotiator. It never happened, but she did tell me that they were trying to process my payment and allow me to make payments on the foreclosure and attorney's fees. But they told the CA trustee that they sent my payment back. Now I'm going into 6 months on April 1.

I am waiting for my certified check to be returned, so I can add my April payment and late fees. This is bizarre and mean. Plain mean. I hope BofA goes down hard. We have got to stop bailing them out. This is insane! Take our payments! We want to keep our homes you, dimwits!

I can't pay any other bills. I can't work, because I have to get this resolved.So I'm losing clients and sliding further into debt. I'm about to have my electric turned off, because I can't pay it for fear of not having enough for the house. I've probably lost another $20,000 of income while trying to resolve this. Hours on the phone. Things may not be closing (again, thanks to the banks), but at least one day, they might as I put things into escrow. However, I cannot represent clients when I'm fearing being out--literally--on the street with a bag. They should cut the salaries of those fleecing CEOs to nothing. They do nothing. They have caused complete chaos in the United States. Shame on them.

The reason I fell behind in my mortgage was I lost my job and they were not paying us for all of our days for the past year and a half. I lost my job in November 2009, but I have found another job now so I can start making mortgage payments starting this month. I will be able to make a payment this Thursday. So now they are saying that my sister needs to get another letter saying that it's okay for Bank of America to discuss modification assistance and/or information.

I called back in January 2010 and was put with this new department at BofA for homeowners who needed help but have not defaulted on their mortgage yet. I spoke to a very nice lady who said that she believed everything will check out, so they sent us our packet on January 10, 2010. After getting all of our documents together, we sent it back to them on January 14, 2010, and they received it on January 15, 2010.

I followed up with a phone call on February 17 to see where my info was at. I was advised that it was given to a case work on February 8, 2010 and that it would take 30-45 days from that point. Great! Then on February 25, 2010, we received another duplicate packet in the mail. I called BofA as soon as I received it, and the customer service rep advised that this was an error on their part and there were multiple customers who received the same thing and to disregard it.

She further advised that they had all of my paperwork and that it was at the underwriters' and it would take another 30-45 days from this point. Ummm... not so great but OK. I followed up on March 1, 2010 and was told it was still at the underwriters'. OK. I called and followed up again on March 17, 2010 and was advised that I should be contacted soon in regards to our modification.

I called BofA again on March 29, 2010 to get a follow up, and I was told that we did not send in our packet from February and that we were denied. I told them that my paperwork was at the underwriters', but they showed no information on that. I told them that I had my copies and my call logs, but they just kept putting me to different departments like customer service and Home Retention Team (who, I must say, are not very friendly at all).

They finally connected me with the Default Prevention Team (not sure why), but she said that she was sending an email out about reopening my request for modification since they declined it for not submitting paperwork. I was told by her to call back in 10 business days. I advised her that I did not have 10 business days to wait. I told her that I had my original copies to send over if they misplaced the first ones, but she did not want them. She said maybe they will reopen the case or maybe they won't. Grrrrrr.

She ended up hanging up on me, since I wanted a response to know where my financial paperwork got to. I ended up trying to call back and went to go through customer service, and I started asking questions about my paperwork that I submitted in January. The guy advised me that he received them, but then he refused to tell me anything more. He basically was trying to get rid of me since he told me information before he read it. So he did his quick call back in 10 days click. He hung up on me again.

I know that if I made those kinds of mistakes in my job, I would be fired; but they just don't seem to care. No wonder there are identity thefts. No one knows where your paperwork goes after it leaves your hands. I love how you could come so close and then be stomped back down. I am not sure where to go from here.

The appraisal took place in March 2009. I was shocked when the appraisal came back low, leaving me will less than 20% of equity and causing me to pay PMI each month. I was concerned about this and spoke with Ray about it. He said it was due to the housing market being down at the time. When I asked for a copy of my appraisal (which I paid for), he refused. He told me he could not furnish me with a copy of it and that I could review it in his office if I would like. This to me was completely unacceptable, unprofessional, and a scam.

I was so far along through the refinance process that I just decided I would pay down the loan as quickly as possible to have the PMI removed. Mr. Raymond confirmed that once my equity reached 20% of the loan, the PMI should stop automatically but that I should call to make sure this took place.

Half way through my closing, when signing the huge stack of papers that they provide, the woman from the title company explained to me that the appraisal company which appraised my home is owned by Bank of America. My husband and I were disgusted by this. This confirmed our suspicion that our home was deliberately under-appraised by Bank of America, so they could make additional money off us by forcing us to pay a monthly PMI. Again, we agreed we would pay down the loan as soon as we could to remove the PMI.

We reached this goal in February 2010. I attached a note with this payment, requesting the PMI be stopped. I checked my account online each day to see if the payment had been adjusted. On February 14, 2010, I sent an email making the same request. Again, I checked my account daily waiting for my payment to be adjusted.

On February 22, 2010, I called a representative. She told me she would submit my request. Later that day, I received an electronic response to my email saying they would submit my request to the escrow department. I continued to check my account daily. On March 4, 2010, I called and expressed my concerns with another representative. He was looking into it and placed me on hold. I was conveniently disconnected.

I called back and spoke to a man named Bryan. He tried telling me the PMI had already been taken off my account. When I asked him to tell me the monthly payment amount, he said $2,589. I informed him that it's what I've always been paying and asked how he can tell me the PMI has been removed. He placed me on hold. A few minutes later, Danielle answered. I explained my entire situation to her. She of course said I have to wait to receive a letter from Bank of America.

On February 5, 2010, I was disgusted when I received my letter. It states that the current value of my property must be equal to or greater than the original value of my property at the time of the loan. It further states a COV (certificate of value) is required to determine if the current value of my property is sufficient to meet this requirement. Then I am asked to enclose a check in the amount of $130.00 and am advised that additional fees may apply.

I was never advised that I would incur additional fees in order to have the insurance removed. I maintain an excellent credit rating, and I am being treated unfairly for no other reason than to pad Bank of America's pockets!

I want the PMI removed from my loan without obtaining or paying for a COV. I sent an email to Ray ** and the Bank of America executives on March 9, 2010. Emails have gone back and forth between Mr. S and my self. However, it seems he still does not fully understand the problem. I send a second email to the executives on March 24, 2010, asking the status of my request. I have received no response from any of them.

February 2009 came and we were told it was now in the final phase with the short sale negotiators and the lender. When calling to inquire about the progress a week later, I was told that my file was nowhere to be found; to resubmit all of the information and purchase agreement. I would need to start over. The best part is we were told that the person we were dealing with no longer worked with the company and most likely never touched my file. I was then advised that since I am not late on my payments that they really couldn't approve a short sale. I asked if I should stop making payments and was told that as long as I am current on my account, Bank of America doesn't see a need to help me with a short sale and would most likely not be considered for one. So I stopped making payments.

Finally, in June of 2009, after two complaints were filed with the BBB (which never got resolved) and several attempts to find out what was happening with my pending short sale, it was escalated to their "consumer advocate group. " The sale was approved; however, the buyer walked several months prior as he had been waiting for an answer for over six months!

At this point, I am at a loss and don't know what to do. I begin to file the paperwork to be approved for a deed in lieu of foreclosure. I was asked to get the lien released from my home equity line of credit. My HELOC lender asked to have something in writing from Bank of America. I expressed this to the Deed in Lieu negotiator seven different times (messages, email, voice mail, etc.) and got no response. When I called a week or so later to check on the status, I was told it was denied because I failed to get my lien released from my HELOC. Papers were served to me for foreclosure in November of 2009. I filed a complaint with the comptrollers office. The foreclosure was postponed until February of 2010.

October of 2009 a new purchase agreement was submitted for yet another attempt at a short sale (six total purchase agreements). I was told that due to my pending complaint with the comptrollers office, that my file was passed along to the "office of the president" at Bank of America and should be handled expediently. Another customer advocate was working with my file to ensure that it was handled properly.

December of 2009, I was told that my file is now being transitioned over to Titanium Solutions (a third-party company) to handle my short sale. They came out the very next day and did a BPO on the property. They received all of the paperwork and submitted it. It is with the lender waiting for an answer if approved or not. I have been waiting for an answer since the first week of February 2010.

This is completely ridiculous. I have contacted a lawyer and was told that I definitely have a case against Bank of America for the mishandling and lying that was done, but unfortunately, I do not have the finances to sue them. I am stuck in a mess that has been going on for over two years! Help!

I have been going through a divorce, been laid off from my job and have a daughter who has gone to college this year plus I have elderly parents who I am taking care of physically. Bank of America has been of zero help to me. I have my house on the market and has been shown 37 times with zero offers so far. So now I am trying to go through a short sale and now Bank of America is giving me a hard time on this. I need help.

I called customer service again and requested a Supervisor, someone by the name of Ms D. stated she would submit a request to refund 1,352.00 back to my checking account and it could be done by Monday March 22. I advised her that would not work as I did not have any money and had another bill that was due to be paid, Ms D. stated she would try and expedite my request however it could be Monday at the latest. She stated she needed to see a bank statement showing the payment had cleared my account and was paid by my bank. I printed a copy of my checking account transactions and immediately faxed them to her and the payment processing department while still on the phone. Ms D. confirmed she received the documents and would again expedite my request.

On Monday March 22, I checked my checking account to discover Bank of America had not returned the extra funds they withdrew, so again I called customer service and was told my request was in process. I called Bank of America Mortgage customer service again on Wednesday March 24 and requested to speak to a Manager. I was told the manager was not in and a message would be left for her to contact me. At 4:45 pm CST, I called BOA customer service again and request a Manager, there were 2 representatives pretending to be Supervisors who stated they would complete my request immediately. I advised them this was my 4th call trying to resolve this issue and that I intended to file a formal complaint. I was assured by Supervisor George in the payment processing dept that he was going to overnight a check to my home address and that since it was after 5pm PST the payment would go out on Thursday and I would have the funds by Friday. George assured me this was the fastest way to receive my refund instead of reversing the payment back into my checking account.

Today is Saturday March 27. I have not receive a phone call nor have I received the overpayment from my account. May times during the various phone calls to BOA Mortgage customer service, I asked for someone higher up mailing address or a phone number for the complaint dept only to be given incorrect information. It is unacceptable for a corporation of this size not to provide access for formal complaints. I have been charged overdraft payment by my bank as well as I had to borrow money to pay one of my bills and purchase gas and food.

I called and spoke with a representative, who gave me the runaround. I told him that I thought the Home Retention Program was a scam, and Bank of America's practices are criminal in nature. I feel that I was not told the trust in lending, and that now I am in a worse situation than I was in the beginning. Bank Of America has not offered me a viable option to keeping my home. Refinancing is an option, which I thought would be offered to me. I don't think President Obama's Plan for America's homeowners was meant to rob Americans of their homes. This is madness! Where is the nail out for the American people? I am near foreclosure on my home without any viable options for a release.

BOA did offer a refinance that would cost me $5,000 and reduce my payments by $117. It's not worth it! I can't sell my home in the current market and frankly I like living here. My current mortgage payment is $1,300 and the income from my two jobs is $2,200 net. My health insurance premium is $488 which leaves me $400 left over to pay everything else. The stress is really getting to me. Thank you if there is anything you can do to help.

I also explained that this only happened when I requested the person in charge of my account to look at it and get back to me as to why this was taking so long, and that I haven't heard anything in over seven months. It seems like they are so behind and if you call them and request them to do their jobs, they just say, "Let's deny the people that's rushing us and foreclose on them to keep them off our backs." I was told by the supervisor that I need to resubmit everything all over again, and as of right now, my loan has been accelerated and I need to come up with the money as soon as possible!

After receiving a bail out in the billions from the American people, these banks have the audacity to harass, delay and humiliate us during the loan modification process called HAMP. How long do these banks think that the American people will tolerate this? One of the Bank of America representatives even went as far as telling me that the government cannot tell them what to do. I found this strange, because I never mentioned the government with the Bank of America representative. So, I cannot help but feel that Bank of America is bitter and is taking it out on those of us seeking a loan modification. It is also readily apparent that Bank of America feels that they only have to meet their obligation to the government by considering a loan modification with zero accountability. It is time that we make Bank of America accountable!

Bank of America knows very well that the average homeowner requesting a modification does not have the funds to represent themselves legally. So, the FBI raiding one of the largest and most reputable law firms will only serve these banks’ potential agenda, an agenda that might be to scare any law firms from representing the people. This current action by the FBI is not the solution, but a symptom of the overall problem. It is also blurring the lines in regards to who the real bad guys are. It will also further delay the process of reputable law firms like United Law Group from filing legitimate law suits. In retrospect, United Law Group is not only helping me represent myself in this law suit, but every American who is going through the loan modification process.

So, please, help me and United Law Group send a message to Bank of America which states that we will no longer tolerate their potentially irregular, fraudulent and abusive business practices. In the end, the American tax payer did not fail to deliver the Bank of America bail out in record time, but Bank of America failed to deliver the American Tax Payer's bail out in the form of a loan modification. It reminds me of that song by John Lennon and George Harrison titled "Piggies" I invite you to listen to this song on YouTube and see if it appropriately fits.

After speaking with 3 people, I was told that someone had "miscalculated" the charges and the balance due was $150. I told them to send me a complete transaction record before I would pay any fees. They said that they could do that, but it would take a week to process and I could be charged a late fee in the meantime. I am at my wits end and want to re-finance, but they have dinged my credit and haven't made any adjustments to the report (as promised). Consequence is that my credit report is being damaged as well as the emotional strain it has been. I have spent countless hours on the phone, speaking with multiple representatives and having to repeat the story to every one of them.

He was told it was due to our bankruptcy. We made several calls and BOA told our lawyer handling our bankruptcy that we were 5 months behind. We have never been 5 months behind. The only time we got behind was during our bankruptcy. We did not receive a bill from BOA and we were told it was due to our bankruptcy. Nine months later now, we are told we cannot close on the agreed payment of $853.34 due to we need to send in a statement from the unemployment stating Clint will remain receiving benefits for nine more months.

We sent in what was required over nine months ago. It should not have took nine months for BOA to get this completed. We should not be getting conflicting information from BOA. This needs to be closed, so we can carry on paying on our home as we agreed. If BOA had done their job correctly 9 months ago, we would not be writing to you. We need this resolved.

I called that number back 1-800 and at this time I spoke with "Mike," who again asked for my account number and security information. After another few minutes he advised that he had to transfer me to another Department. I was placed on hold and after about another 15 minutes, "Juan" answered the phone and asked again for my account information and security. I politely asked Juan if I was at the right Department because of the previous contacts I made today going back about 45 minutes at this time. Juan repeatedly asked for my account information and security without answering my question, and I again tried to make sure I was at the right Department before giving out my personal information to the Fourth Bank of America operator.

At this time, I asked for a supervisor and Juan refused three times unless I gave him my account number and last name. I advised him that I just wanted to speak to a supervisor (I felt uncomfortable giving my personal information to Juan because of his attitude). He placed me on hold for about 12 minutes and picked up the phone and changed his name to Michael asking for my account information and security. When I told him that I knew that it was Juan he placed me on hold and a Gina ** picked up about 7 minutes later.

I then complained that since I don't know who I am talking to at this point, I just wanted a complaint procedure form. I also wanted Gina to review the tapes and find out why Juan was so rude and trying to change his identity over the phone. She tried to help but advised that she could not review Juan's tapes. The entire process of trying to get a loan modification through Bank of America is criminal. I had all the information they needed and they roadblocked every avenue I tried to get through. Something has to be done about this. I am helpless.

My home loan was being serviced by TB&W prior to the 5th of August 2009 when they were closed down by the Feds for fraud. I was not aware at the time that my mortgage had been transferred to Bank of America and realized it later in September 2009 when I went online and could not get any information from the online services that TB&W used to offer.

I called TB&W and was jerked around and basically was told to contact BOA--and that they were my servicing mortgage company now. I called BOA and was told to keep sending my normal payments to BOA in the amount of $1,088.00, so I did just that. The next month, I received a letter stating that my payments were behind so I called BOA and explained to them that I was not behind in my payments and that BOA needed to get my money from TB&W in order to update my account with BOA.

The BOA representative told me not to worry that when TB&W transferred over my account to BOA, my account would be updated and as long as TB&W was going through their bankruptcy, my account would not be reported to the credit bureau as delinquent. BOA has since stopped reporting my account to the credit bureaus which consequently has caused me to not be able to refinance my mortgage causing much stress to myself and my family.

BOA has sent me numerous letters of lateness saying that my account is in serious delinquency and that I needed to send more money to cover the delinquency. BOA is also charging me late charges causing my payment to increase from $1,088.00 to $1,396.00 saying that my escrow account is in the negative and that I need to pay it up in order for them to report it to the credit bureau. I told them that they need to get the money from TB&W and quit harassing me for extra money. Even after sending them verification of proof of all of my payments that were paid out to TB&W, BOA continues to send me letters of lateness.

Recently, I received a letter from BOA stating that my account was being placed in serious default and that I needed to send BOA $2,475.31 by 18 February 2010 in order to bring my account up to reinstatement. Otherwise, my loan would be in default and my mortgage payments would be accelerated with the full amount remaining accelerated and becoming due and payable in full--and foreclosure proceedings would be initiated.

Also, I had someone come by my house and harass me by taking pictures of my property after I asked them not to be taking pictures of my property. He just ignored me and kept taking pictures just to aggravate me. I was forced to call the police on him because I was not aware who he was or what he was doing because he did not identify himself.

I am being harassed by BOA for things that are not within my control. I have made my monthly mortgage payments and BOA needs to get those funds from TB&W. My mortgage payment went up from $1,088.00 to $1,291.52 in order to cover TB&W for not allowing enough money to be deducted on a monthly basis to cover taxes and insurance. And now that TB&W has been seized, I am being punished and harassed by BOA to try and make me pay for penalties and charges that I do not owe. BOA needs to get all my payments and apply them to my account and then BOA needs to update the three credit bureaus so I can get my mortgage refinanced with a new mortgage company. BOA is breaking the law by not reporting my accounts to the credit bureaus and they do not care.

I would like to know if I can force them report to the three credit bureaus and make them do their job. I am caught between a rock and a hard place. The mortgage mess with TB&W and BOA is causing not only me but hundreds of mortgage owners nightmares not knowing if we will loose our properties or not. The harassing letters only adds to our frustrations. If you can help me to fight back, please do. I have sent verification of all payments to BOA and have been promised that they were going to get my money from TB&W, but they continue to do nothing but harass and threaten. Thank you for your time and patience.

If anyone is considering using Bank of America for any mortgage issues, run the other way stay local if you’re smart. I personally made a huge mistake moving my mortgage from my local bank to save a couple of bucks, it’s not worth it! I told the Bank of America supervisor that I was going to shop for a different mortgage company and she said, "That’s fine."

My payments were made on the 1st and 15th of the month. I told them that I would make one payment monthly and keep my $4 processing fee. I was told that my payment should be made by the 15th of the month. Otherwise, I would be charged late fees. I was told in order to dispute the negative report, I should send a copy of my account so that it could be reviewed for any returned check info. I sent the information and received a form letter stating that their decision wouldn't change, because I had made a partial payment in October. I also told them that I had attempted to make an extra payment in 12/09 at a local branch and they couldn't find my account information. I had given them the payment stub with the account information but they couldn't locate it. I told customer service about this as well. They stated that they couldn't understand why that happened. In closing, I would like the negative report removed from my credit since I did everything that was asked.

The man told me I did not qualify because I was up to date on my payments. He then told me to miss a couple of payments and call back the modification department. I did as I was told. When I called, they put me on a three-month trial period of $1,200.00. I promptly paid the next day. I received a statement a week latter saying that the $1,200.00 went to the late payments and penalties.

The next week, I received a letter that they were accelerating the mortgage and starting foreclosure proceedings. Two weeks went by and then, we received a letter from BOA's retained lawyer pushing my foreclosure and asking for my business by retaining them to stop my foreclosure. I retained a different law firm for approximately $6,000.00 to help with the modification. BOA just sent me my new modification. It lowered my payment from $2,290.00 to $2,210.00 still over twice the amount of our original mortgage.

This all happened following the increase in my interest rates for my mortgage and the bad economy which lead to the decrease in my home price to below half. I have been waiting for about one year and half now to hear from Bank of America regarding a re-modification they are looking into for me. What is more depressing and frustrating is that when I call Bank of America, I get absolutely no answers.

I called at least twice every month to ask about the status of my re modification, none of their agents gave me any information. They just advised me to call back in two weeks and sometimes they transferred me from one department to another and most of the time they disconnected me after holding on the phone for over 20 minutes. Currently, I don't know where I stand and what is the status of my home with them. It has become so frustrating that I am seriously considering just walking away from my home. This has been the most frustrating experience. Not knowing where I stand and what is the status of my home is not only putting my life on hold and preventing me from just moving forward, but makes me unmotivated to call Bank of America and ask. I have many financial problems that have occurred as a result from receiving the wrong advice.

Now it is six months later and I was just informed that my debt to income ratio does not meet their requirements, after I was told by Melissa ** 2 weeks ago that she hoped to close the loan last week. Now I have been told by Diego ** that I have to wait a month and I can then apply for an MHA which I believe is Managed Home. I've asked why they put me through all that if I wasn't going to be approved and no one can give an answer.

When I called BAC, I was instructed to make a payment over the phone because my account was past due. I explained to the Bank of America manager, Kevin, we mailed the payment. Kevin then told me that the person that instructed my husband to mail the payment was incorrect and my account was past due. He stated we needed to make a payment over the phone and assured me that the check would not clear and wanted my checking information immediately. I asked Kevin for something in writing clarifying what he was stating. He said, "He doesn't have access to outgoing email so he can't give me anything in writing." Unfortunately, I gave him the information for a check by phone and the original check cleared March 16, 2010! I called BAC again. The man that answered the phone said, "No ma'am, your March payment has been made. Where is your April payment?"

I asked him what he said and he repeated it. I explained to him the month was still March and April's payment is due April 1, 2010. The representative further explained that my check by phone did not process for some reason and that it would not go through in the future but the mailed check did and my payment for March is current. He still wanted the April payment. On March 19, 2010, my husband and I contacted Bank of America to help us get into a fixed rate loan. We were told that they could not help us because our mortgage is less than 31% of our income. I asked if there was any way they could at least refinance the loan and put us into a fixed rate so we don't lose our home.

We owe almost $100,000 more than the house is worth now because of the economy. He said there was nothing he could do to help us because we are current on our loan and not more than 60 days past due. If we are ever 60 days past due, call him and see if they can help us then. On March 23, 2010, I received a bill dated March 18, 2010. BAC has increased my payment from $1127.98 to $1358.60. The bill even states that my adjustment for the ARM isn't until July '10 but they increased the mortgage payment unjustly. I called to see why. A woman answered the phone and stated, "The system is down. I cannot help you or have someone call you back. You need to call back."

The letter dated February 7, 2010 from Wilshire specifically states "Except in limited circumstances, the law requires that your present servicer send you this notice at least 15 days before the effective date of transfer or at closing. Your new services must also send you this notice no later than 15 days after this effective date or at closing."

We did not receive notification of a change in lender from Bank of America until we received a past due notice on March 11, 2010. Bank of America can't send consumers anything in writing. These are unethical business practices. (Demanding payment prior to the due date on a current loan twice). They increased our monthly mortgage payment without justification. Since the end of February, Bank of America has caused undue stress on our family. We are responsible consumers and would like to be treated fairly.

I called so many different people at Bank of America and not one person could tell me why. So, I then resubmitted all the paperwork again and they came back with an offer 6 weeks later locking us in to a 30-year fixed, which was wonderful news! The only problem is it didn't change our monthly payment which is what we were having problems with. We figured to take the deal and try and work it out after. We signed the letter one day late because I was out of the state because of a family member passing.

Bank of America sends a letter saying the offer is no longer available and states we are still on our regular loan.I then resubmit paperwork again and continue to get no answers from anyone on the other end. I truly feel they are taught to not answer anyone. In the 300 different people I spoke to I want to say 5 of them were actually helpful and seemed to know what they were talking about. The others seemed to not know anything about mortgages, nothing about real estate and most of them couldn't speak English, which is even more aggravating when you can't understand the person on the other end.

So, after all this and waiting of a year I receive a foreclosure letter because we are $10,000 behind. On top of it, the kicker is they have had no problem taking well over $2,000 in late fees. When they can see that we are having a hard time paying because of job lose and reduced income, they still have the nerve to take $2,000 in late fees. I resubmitted all paperwork again March 9th, 2010. I finally get a person on the phone today, and after asking me when I submitted (like they can't see it on their end) she stated they received it and it was declined and she doesn't see why just that a letter was sent to us March 20th.

I have dealt with Bank of America on the mortgage end, the car loan end and the end of being a realtor and having my clients trying to get a loan. They are by far the absolute worse bank out there and the government continues to let them get a way with it. In this economy, when so many people are struggling, they allow this. It's sad we have no one to help us anymore. So it seems now my husband, my self and our two children will be out of the house we were trying to keep for our kids. We bought right before the market crashed and we can't do anything. Having such a helpless feeling is the worse feeling in the world.

We offered $300,000 for the house and the owners who'd listed it at $313,000 accepted our offer and signed a rental agreement with us. Long story short, after waiting months and months (it's now nearly April), after selling our previous home, after being pre-approved for a loan, after moving into the new house, Bank of America has finally, after dragging its feet, decided to counter offer at $390,000! Setting aside the question of whether or not that price accurately reflects the market value of the house, would we have moved into this home if we'd known that the bank would ask nearly $90,000 more than the listing price? This is a short sale house, one that has had other buyer's walk. It's been on the market nearly two years and the next likely step for it is foreclosure and the bank wants to highball its offer?

I understand the whole "approved-by-a-third-party" contingency but if we walk out on this house, who wins? We have to move again. The house will likely go into foreclosure and the bank will lose money. Our offer was made in Oct./Nov. and the bank is just now getting back to us? Surely, they saw our offer months ago? Surely, they could have assessed the offer months ago? Surely, they could have indicated our offer was insufficient months ago? Short sales are anything but. While Bank of America may be legally in the right, from the family point of view, they are out of touch. Go figure. A big bank, out of touch with main street.

It still depends on the outcome but if we are forced to move, we will have to spend the time and effort to find a new home and to pay for moving again, plus we will have lost some of the money we have put into this home just to make it livable.

I am continuing to do this. But starting to feel I should just save my money for the move when the throw us out. By the way, foreclosure had never started through the courts until I starting complying with this program "which was suppose to put foreclosure on hold" Help! what now? Losing my home as I make temporary payments while waiting for making homes affordable loan to be approved.

I was advised to write a letter, submit papers and we would attempt another workout.

A member of the (Addison Cap Team?) advised me to begin paying the loan amount which I paid prior to the "internal rate reduction payment" for the month of March. I mailed that payment on March 3, 2010. I received that check back today and was told that my account could only be brought up to date by paying what amounts to 4 months of payments. I was told that my original internal rate reduction agreement could only be discussed through their lawyer because it was in litigation. I made every payment during this time. I only missed the 2 payments form, the compromization 2008.

At this point, I will send in the "required" paperwork and hope for the best. There has to be a way to stop these people. I get a different answer every time I call them, sometimes I am relieved and most times I am more aggravated from the run around!

My father lives 200 miles away and I have been going there because he has developed heart problems and has been hospitalized a few times. I have also been helping one daughter who has rheumatoid arthritis with a 4 month old and a 5 year old. Her husband has a degenerative spine disc condition and can not pick up the children from school or nursery when my daughter has to work late. His condition has recently grown worse and he has not been able to work every day and I have been helping financially as well when I can. My other daughter recently went through a divorce and lost her car, as you will see on my bank statement, there are charges for car rentals through Enterprise which were charged to me and subsequent deposits in that amount which she made to cover the charges.

Her daughter, my granddaughter has asked me several weekends to come and get her for the weekends because of her parents still fighting, she is 60 miles away. All of these things have caused more stress on my finances. I was safe with my mortgage at 1091.67. Now, at 1358.19, I will have to say Sorry, I cant help you. I also think my son may have to quit college so that he can get a job.

Please help with this matter. I have been attempting to change this since it happened. I have missed no other payments other than those when my account was compromised. Even though with the recent real estate changes my house is now worth $40,000 less than what I owe, I would still like to remain here.

Well, as time went on, we had to contact someone else for help and begun to pay them which got us three months behind in payment. We then had someone from BOA to call us and was asked why we are not doing modification with BOA and that they can do what the other company was doing. Well, we dropped the other company and went back to BOA and was told to make up the three months payment that we were behind on.

We started making extra payment which was 1,000.00 dollars house payment was 975.00. Well, October rolls around and we get a letter from BOA and stating they will foreclose on us unless we pay 5,000.00 in full. My husband that call and make an arrangement with some lady who told him that all we have to do is make a few payment starting in November of 1,500.00 a month and that will keep us out of foreclosure.

Now we paid 1,500.00 in November, December, January and the end of February we paid 3,000.00 and while we thought that we were coming to an end of going without food, they tell us we still own over 2,000.00 for March fees is what my husband was told, but mean while we received a letter the first of March stating our house payment will be going up to 996.00, but get this, another lady.

He called after we received a letter stating that we did not make a payment of the first of the month, but they got the 3,000.00 dollars out of our account on March the first and on top of that the house payment went up to over 1,000.00 monthly payments but we was only sent the letter stating 996 a month payment. Tell me is Bank of America scamming all of there clients? The Bank have used the American peoples money and is now scamming America out of more. What do we do, the hard working people in this country that is no longer free?

I further found out that they had been billing $12/month for a reserve in case their estimates were off. That seems like a nice service, but the estimates are based on what the county tells them they will tax, and what my insurance company is going to bill them. Bank of America imposed $1100 of extras onto my mortgage without asking me. They were happy to refund the amount but think of all the people that just go with it. This is a major problem. It’s even more concerning to me that they were imposing $150 of late fees for a service I didn’t want to buy, then threatening to report me to the credit agencies, all without informing me of the added charge. This seems like a decent opportunity for a class action lawsuit. I believe in my research, I ran across a federal statute that required the banks to notify customers if they were going to impose a mandatory flood policy, but it did relate to FINRA placing the property in a flood zone.

At the end of Dec. we received a notice stating that they were going to begin foreclosure proceedings if we did not send in the full amount due which at this point was approx. $1,550.00. My husband called only to find out that they have given us the wrong trial payment amount. It should have been $1,182.02. They said disregard the notice and begin paying the new amount, which we did right away. We have made this payment on time each month and kept in constant contact with BOA. Keep in mind we have lived in this house for 3 years.

All of the sudden, I receive a notice saying that our payment will go up because our flood insurance is too low. I was thinking how is that possible, we have been here for 3 yrs and now all of the sudden they are saying that. So I went straight to my ins. co. and got it fixed so there would be no increase in payment. A few days later, I received another foreclosure notice. I called right away and was told it is taking longer than expected and it would be April before I got my paperwork. Needless to say, the many times I have spoken to someone at BOA they have said, "I will forward it to my supervisor and have them to expedite your paperwork."

Just 2 weeks ago, I spoke to someone who said I should have it in 10 days. Now, it is April before I will get it. According to their records, I am 3 months behind, which is not true because I have made all of the payments at the amount they told me and have not been late. I think BOA has a serious communication issue. Considering they call all the time and don’t have a clue I am on the plan until I tell them and they check the notes. Lately, I have gotten smart though. I have gotten a voice recorder and begun recording our calls. Just in case something happens and they suddenly lose my records or in case I have to contact an attorney, which at this point I am beginning to feel is inevitable.

So I sent them the mortgage money to them with Sept. coupon, but cross Sept. off and wrote Oct. So then I started to get phone calls saying I was late. So I called Bank of America again and talk to a girl and she said, “Give us copies of all your payments to show you were on time and by the way it looks like, all Taylor, Bean and Whitakers customers are having the same problem.” You would think common sense says that this problem is on your end? So I did. I sent them a Certified mail. So I called them up and asked if they received my mail, and they said, “I see the problem now.” He said, “In August, when Taylor, Bean and Whitaker announced bankruptcy, the United States government is holding the checks.”

I asked him, “Well can you fix this problem in the system so I don’t get anymore phone calls?” And he hung up on me. Then later next month, I get another phone call saying I was late. Well I called them back and said, “I will charge you with harassment. This problem is out of my control, I sent you all my bank statements, I called every month to fix this problem and no one is doing a thing to fix this.” My credit is ruined. I can’t sell my house if I wanted to because they can’t fix their own system. My last payment for Jan., I sent without a coupon. They keep sending last month coupon to me. I cannot tolerate this stupidity on such a big bank like Bank of America.

I had a person call me again saying that I do not owe them any money the check from August has been released. Just now today Feb. 9, 2010, I had a phone call saying I owe them money from Jan. statement. I told the girl you better look at my account because the check from August has been released from the US government. I told her to send me a letter saying that I owe them any kind of money because now I have to hire a lawyer and sued them. I cannot tolerate this harassment abuse any longer.

2/11/10 Update: I just received a letter from BAC saying to send copies of my August and Sept. checks front and back. I sent to them Feb. 5, 2010.

I don't know what to do. Taylor and Bean say the checks are in Jennie M. hands right now. I can't even do my taxes because BAC gave me the wrong amount of interest on my mortgage to give to the IRS. BAC keeps calling me every day and the last time I spoke to them they said I owe them 2,100 bucks. I prove to them so many times I was not late ever in sending my mortgage in. The last time I talked to them I almost had a heart attack. Because no matter what I do or say or send documents by certified mail, they ignored it. The one girl told me the money has to come from somewhere. When will this nightmare be over?

Countrywide has damaged my credit and caused me to live a cruel existence in order to keep my home. They were able to destroy many other people's lives with their unfair lending practices. This is why I feel I should be given the opportunity to refinance out of this horrible loan as hopefully, a new beginning with Bank of America. Before I got involved in this loan, I had never been behind of my mortgage payments since 1989. The ARM loan I was given in 2005 was supposed to help me improve my credit. As we all know now, the interest rates keep going up and up, destroyed consumers' credit and eventually took their homes. I managed to hang on barely, but feel my loan deserves to be refinanced due to unfair lending practices from Countrywide Home Loans. I have enclosed my original disclosure documents. As you can see that my rate was to increase up to 15%, I was charged $3,000 over good faith estimate on the day of the closing. My payment kept increasing at alarming rates.

I have been told I qualified for the Make Homes Affordable Plan only to have to resubmit documents again and again. I have had to rent rooms out in my home in order to catch up on the payments so Bank of America would not foreclose on me. I had a short foreclosure in place but managed to bring my loan current. I do have a good job and the ability to make payments, but refinancing to a lower rate would ensure my ability and allow me to make my payments for your loan as well as other loans I am responsible for. Hopefully, the banking industry will begin to value good customers again. I have a solid job as a special education teacher. I commute long distances to teach in a high demand for special needs teachers. I have worked hard to stop the foreclosure on my property and bring my payments current. I am not sure if this matters anymore since I know that a national bank and forgiven for all the harm done to consumers and given large amounts of money from Obama.

Very few consumers ever saw this money. I am only one of thousands in this condition. Our fate will soon become the National Bank's fate or the end of the banking industry as Americans know it. I am just interested in getting my loan rate reduced. Recently, Missoula was picked as the 2nd in the nation for economically depressed cities in the nation due to Stone Container closing its mill that provided approximately 500 jobs that averaged 70,000 per year in salaries. The loss of these jobs will have a devastating effect on Missoula's economy. The well for this property is located on another property. The economy downturn and the lack water easement would make this an undesirable home for the bank to repossess. Combined with the lack of ability to resell the house and it would require the owner to drill a new well.

I would greatly appreciate a refinance at a lower rate that would ensure a win-win for both the lender and the homeowner. The present payment of $1850.00 is too high and the interest rate of 8.375 is unreasonable in consideration of the unfairness of lending practices in the original loan documents. I would greatly appreciate a loan with an interest rate at 6%. This would lower my payment and make it possible to make my payments with current increased charges on taxes and insurance. I represent one person (loan) at a time from the future of our country. What is the vision of your bank? Are you interested in gaining more and more properties? Who will make the payments that support your bank and help you keep your job? If the government has to pay for bank failures, will this affect your job too?

I don't have the money to get my taxes prepared at present, but I have enclosed two of my latest pay stubs. I have already qualified, please ask all of the names mentioned and look at the history on my file. My credit has been destroyed. I was given a trial mortgage payment. After the trial ended, I was given short form foreclosure notice and all payments and late fees were due. The next month, my mortgage payment was increased to $1960.17 per month. I want to take this to trial and have an attorney help me to stop these predatory lenders from taking people's homes and making incredible profits off of hardships caused by lending practices.

I have spoken with more than six customer service agents from January-March 2010 and with three supervisors which take notes from me, information to qualify and confirm they will resubmit the request for modification but it did not happen. I have spent hours on the phone. Their customer service person I talked to last hour said, "Even if you have gotten the request for modification offer on time, we do not guarantee it will go through." In other words, up front they decide not to approve you but waste your time but sending you documents with their offer and decide not to follow up with any of the requests they said they will submit. They are worthless and will not see no one's interest. Their customer service department is full of useless employees which obviously don't know what they are doing.

I spoke with Cristina M, one of their supervisors and I had it. I can try to go to their branches, walk in and talk to someone instead. It is amazing how companies with large revenue don't have the smarts to hire people with the least amount of skills to follow up with their customers and actions they say they will take over. I do not ever want to deal with them. I hope to have the opportunity to refinance and take my loan to another bank. I am done with Bank of America.

An attorney has sent the owners a letter of foreclosure but has put it on hold for 2 months since they were told of the short sale. We cannot get anyone with Bank of America to talk to us and cannot sell the property without their consent. The buyer has waited over 4 months and is so frustrated that they will probably let it go. How can a company that received all the money that they did from our government not want to sell this property? They could get it off their inventory and would have only lost $5000 but now with penalties and interest it is way more than that.

Come on now. Is their any way that we can get some help from their company or even our own government? It looks like our tax dollars that bailed them out gave them bigger attitudes instead of kind hearts that should help the consumer. Let’s call in their debt and see how they feel. The seller cannot sell their home and their credit will be ruined. This house will be foreclosed on without even contacting the seller.

In 2009, they took and lost $653.02 of our prepayment. They are charging us interest on money we have paid 4 times; they have lost our entire payment, 3 times they found it a month or two later, one they have not yet found. They are charging us late fees for on-time payments. As a result of them losing money, our escrow has fallen behind, and now they want us to pay more into escrow to make up for their mistake. For the second time in 3 months, they are threatening to take our house if we don’t give them more money.We have detailed bank records showing that we have paid every one of our payments on time; in fact we have consistently overpaid in order to reduce our principle. The theft of money was subtle at first, $76.51 in March, $23.49 in August, then they started getting greedy, $250, then $326.51. Even I would not have noticed if it were not for them losing 4 payments in a row and starting to play games.

I have sent them 3 recorded delivery letters to them via their Virginia service agent, and requested they resolve this. Instead they just ignore us. True, they did send us an email 14 days ago stating, “We have made your account a priority.” But they have actually done nothing. Since receiving that email, they have again threatened foreclosure and have increased our escrow payments to cover another of their errors. On March 1st, two weeks after sending the first letter, I followed up with a phone call to Mr. Lawrence **, SVP, Credit Products Manager, Bank of America Corporation. I explained the situation to him, but he did not listen to what I said, because in a subsequent call, he clearly had no grasp of the key issues. I think he still does not understand.

I was told I would need to have my bank, not me, (I had already sent the requested information after the first call) send their research department proof of the electronic transfers. They provided me with a fax number for their "research department" to give to my bank. My online banking department sent proof not once, but twice, January 5th and again January 19th, to the BAC research department, of all payments (made on time) for the last 19 months.

They finally acknowledged in late January that these documents had been received, but not until I informed them that I had hired an attorney to help resolve this matter. Still I continued to receive weekly calls from their Debt Collection Department demanding payments that had already been paid and I continued to jump through their hoops to resolve their error. Each time I called the department that I had been referred to, the employee (that would only give a first name) would tell me that they would look into the matter and call me right back. No one ever did.

On January 20th, 2010, I received a written notice from BAC titled "Notice of Intent to Accelerate". This notice now said that I had not paid December 2009 or January 2010 payments and that I was being accessed late charges. On this date, they also sent me a letter stating that they had made several unsuccessful attempts to contact me for additional information.

And on it goes. On February 6th, I received a collection call from BAC's "Home Retention Department" providing that they had no record of my bank sending any fax pertaining to the payments and they only had a record of my January 6th phone call. I told this employee that I had talked to the "research department" on January 20th, and they said the same thing until I told them that I had a lawyer now handling my case and somehow she suddenly "found" the faxes from my bank and could see that I had, in fact, made the payments. She assured me that it would all be cleared up and noted on my account with penalties removed, within a few days. Still the calls came.

On February 8th my attorney filed a "Cease and Desist" order re: Unlawful Attempt to Accelerate Debt: Unlawful Collection of Debt as proof of my payments had been provided and all payments were current. All certified letters from my attorney to BAC have been signed for, but there has been no response to their firm and I continued to be harassed weekly. In addition, my BOA credit card, which is also paid on time, has just had the credit limit severely dropped (making my debt to credit ratio very high) BAC has reported the alleged mortgage debt to all 3 credit recording outfits and it now appears as a negative on my reports.

As of today, my lawyer has discovered she cannot work on a contingency plan as originally thought as BAC uses an in-house collection department and not a 3rd party collection firm, thus avoiding the "Fair Debt Action" laws. I am just a self-employed person in the building industry trying to stay afloat and do not have the several thousand dollars necessary to now pay my attorney for the work that has already been done nor to continue to draft a complaint and summons to be served to BAC. What recourse does a small pebble like me have against the rock crushers like BAC?

They call my phone number over 12 times a day, it is usually a computer generated voice telling me to contact them about a serious issue with my account. I have been making payments at the local branch office, because I cannot afford to pay $20.00 everytime I make a payment. My payment is never posted correctly. It goes into a partial payment fund while they hound me for the payment. Sometimes I pay over the amount due and ask that the additional funds be posted to principle. Nope, it all goes into partial payment fund. I am so frustrated. I spent 45 minutes to an hour every day from work being forwarded from one representative to another and then oops disconnected.

I am constantly accruing "fees" for certified mail, personal representative contacts, late fees. I have to clock out almost everyday at work for close to an hour to take the calls so that they stop calling me.

It is now March 16th and I still have yet to obtain any useful information from the bank regarding my modified mortgage. No one has any information other than I was approved. I have called consistently and the service provided is poor and useless. Last week, I just received 2 letters of notification at my house from a court appointed processor addressing foreclosure on my home.

The financial institutions want you to contact them and work with them so you can save your home and they can save the loan but then you can't even get anyone to acknowledge you or provide any valued and pertinent information! I am desperately wanting to save my home and if documentation would have been mailed to me on the approved program & modification after it was approved back in January, then I would not be receiving foreclosure notifications. I am not getting any answers or help from Bank of America and its associates. I do not know where else to turn to get someone to please help me.

Here is a timeline log of my phone calls and information: 11/25/2009 2:09pm Spoke to Kim about needing help. She transferred me to the Imminent Default Dept (IDD) at 2:18pm. (this is what they called it). Held until 2:37pm and spoke to Joe who told me I qualified for the Government program and would receive the trial offer in the mail. He left me phone numbers to this department and an extension which I was told later that there weren't any! X5356

12/1/2009 11:20 am I called to find out what I needed to do at this point. I held until 12:08pm and got disconnected. I called back at 12:14pm, transferred again at 12:20pm and held until 12:47pm. This is when I asked for Joe and was told there are no extensions. During my hold I also went on the B of A site to ask for help since I was having no luck. (I never received a response back from that). I spoke to Brian until 1:13pm. He asked me questions and obtained information needed from me to get my file put through.

12/14/2009 2:15pm I called to follow up. Spoke to Marc who transferred me at 2:22pm. I was told to fax over 2 months of income, 2008 tax returns and a hardship letter with attention to the MHA Dept.

12/17/2009 2:57pm I faxed all requested documentation to the MHA Dept. 1/8/2010 1:25pm I called to follow up. Spoke to Sylvia at 1:31pm where I was told my file was still in review and could be 30-45 days.

2/8/2010 2:37pm I called to follow up. Held until 2:52pm then transferred by Lisa to the IDD at 2:56pm where I was disconnected at 3:00 pm. I called back at 3:03pm and held until 3:21pm where I was transferred by Onya. 3:26pm Spoke to Latecia. This is when I was told that my file had been approved on 1/10/2010 and that all of the review was completed and approved. Latecia told me that I should be getting something in the mail at any moment, possibly that week because I asked about the modified docs especially now knowing all was approved.

2/19/2010 10:40am I called to follow up since I had not received anything in the mail. Spoke to Eddie who could only tell me it was approved too but didn't see anything else. He transferred me to the MHA Dept at 11:05am to see if they could further help me. 11:14am - 11:22am I spoke to Tamisheny (Home Detention Dept). She saw the same notes of my file being approved , didn't show any docs mailed and that it was still pending and to keep checking back.

3/9/2010 4:30pm (This was Mountain Time wherever I was calling). I was told their system was down and to call back. 6:04pm I called back. Held until 6:25pm and spoke to Crystal **. I asked for a supervisor since I had not received any clear and knowledgeable answers on my file. She asked to look at my account first to see if she can help which is what most have all said and I have had to explain the details each time. She had given me the same information I already had based on the notes she could see. She also stated that my account was now in foreclosure! I told her this is why I needed a supervisor that can possibly get me some answers because if my modification was approved in January, then foreclosure notices would have not started. I needed my approved documentation so I would know when the payment date started for an amount of $401.66.

No one can tell me anything! She, as the others said she wanted to transfer me back to the Home Detention Dept to see if they could further assist me. I asked her for a supervisor as this was a repetitive process that seemed to be getting nowhere. 6:33pm Crystal said she was transferring me to a supervisor and that she would update her on my account ahead of time. At 6:40pm, Crystal came back on the line to tell me that the system was now down and that I could either call back or she would leave a message for a supervisor to call me as soon as the system was up that evening before they closed or first thing in the morning. I gave her the number I can be reached at as I insisted a supervisor please call me back.

I did not receive any call back to date. This is frustrating and I believe unacceptable how Bank of America is dealing with it's consumers and not having any clarity or correct procedures with customer accounts. I have made sincere effort and doing whatever I can to save my home and to want to continue to pay my loan yet not one representative can give me any valid information or properly assist me? Now I'm having foreclosure steps started because of the delayed process that no one can explain. I did not know where else to turn and in hopes that something can be done with my complaint here. Please contact me by phone or email with any questions or additional information needed.

Last week, I received in the mail apparently dated from Bank of America on 2/25/2010, a notice just showing my request was received and that they would provide a more complete response within 20 business days. What is the problem? I was approved and waiting on modified docs! Could someone please help me? Since this is time sensitive, I am extremely distressed about my mortgage and saving my home. I appreciate your help, thank you. I could lose my home and I am desperately making attempts to save it!

All utilities were transferred into my name at my agent's request, my homeowner's insurance was ordered and put in place for closing on 3/5/2010. The bank did not respond with an approval or a decline of the HUD, they indicated they needed more time so they extended it until 3/13/2010 without my permission but promised if we waited until the following Monday 3/15/2010, they would definitely have an answer on the file HUD-1. We followed up today and they have not approved or declined the final HUD, just put into their system. They now have until 3/20 (next Saturday) to approve the HUD. My interest rate expired today and I had to pay for another extension, they don't care. My current home has been rented, tenants were supposed to move in over the weekend but cannot because I cannot move. I pleaded with BoA to get my HUD approved last week and they just promised it will be approved today. Again, it is not approved and they want more time without any regard for me or my tenants.

I am also a lender and I know what they are doing is not legal. We have a binding contract (short sale approval letter) that states I must comply by the due date or I will incur per diem fees and my transaction could be canceled if I do not comply by their date of 3/7/2010. I have done everything I can do to comply, called BoA executive offices, called my local Congressman, called the BoA short sale department daily and still nothing. Please tell me I have some recourse, I want my house that I have now spent over $1,000 in inspections and appraisal. I want them to close my purchase now and I want them to pay for all of my extension fees. What they are doing is totally unacceptable and someone needs to stop them from this type of bad business and treatment.

We also received a phone call at 8:00 pm on March 9 from a male who stated he was property manager and needed to collect the rent. Today, 3/15/2010, we have received a letter from Bank of America indicating the status of the property and a contact number of their attorney. I called the attorney and he stated that the bank wants us out and the eviction process had been started. This has been incredibly upsetting because we do care for our home and we are not trying to get out of paying rent. We do rely on one income at this time as I have been unemployed for six months and have been actively seeking employment every day. I just do not know what to do or whom to contact for direction. Is there any person in the legal field that might be of help? Please let us know whatever you can.

So, the only option I had left was to sell my home. Unfortunately, the value was less than owed, (-equity) because of the property value drop experienced by everyone. I had a short sale offer of $30K less than owed, a very reasonable offer. During the short sale process, paperwork was misplaced, negotiators were changed, systems upgraded (not for the better), and time passed. We had to start this process three times over.

Well, needless to say, my home was foreclosed on and now we are homeless and my credit has a major black spot due to B of A's inept way of doing business. My home was sold at auction for $65K less than owed.

When I asked why they foreclosed instead of accepting a short sale, the reply was, "it was going to be accepted but we changed negotiators so much we lost track of what the home retention dept was doing". Nice work B of A, you're most of the problem! All this could have been easily avoided.

Bank of America decided that they wanted to try to modify my rate (after me having tried over a year earlier and being told no). I did not ask for the modification and disregarded the information they sent me on this program. I sent in my final payment to them in December. My bank shows that they received my final payment one day before the due date. My loan was paid in full by the other financial institution in January on the 12th. During the first week of February, I received a call from a Bank of America collections specialist telling me that I was over 30 days late. I checked my statements and with the other financial institution to see what was going on. I then pulled my credit reports and saw the I, in fact, had been reported 30 days for the December payment that Bank of America received prior to the due date.

I contacted BofA and was told that I was wrong. When I explained that my bank shows that it was BofA's error, the representative did more checking and found that my final payment in December had been applied to escrow only. I asked for a statement of every payment that I made to BofA and to have them submit a correction to the credit bureaus. I was told I should receive a letter from BofA letting me know that this would be corrected. I have received my statements but I have yet to receive the letter correcting my credit bureaus. I was denied credit because BofA wrongly reported me to the credit bureaus and lowered my scores by 70 points. The company I refinanced with has since sold my mortgage back to Bank of America. I am terrified they will continue to ruin my credit because of their incompetence.

"I sent all business and personal statements to Robert F. and Crystal multiple times. I even told Elena and my husband how the communication between you and your assistants is terrible. I have had to fax the same documents over and over again. I have all requests documented. I, at no point, implied that this money was coming from our personal accounts. And if you had all our personal bank accounts but not our business accounts in front of you, then it would have been obvious that we did not even have that much to use out of our personal accounts. Thus, that makes absolutely no sense. The facts are that you and your assistants have no communication nor did anyone call to clarify, if there was any question at all.

Secondly, you were stuck on our 2008 tax returns and hung up on $22,000 that we paid income tax on. Then after explaining to you numerous times that we were incorporated and do not receive a W-2 or 1099 from Exxon Mobil, you inappropriately tell me that you are going to try to get a copy of a 1099 (that does not exists) on our behalf from the IRS! This was your first inappropriate action against us.

Third, you tell my husband that we are approved for the loan but that we cannot use our business funds to pay for closing on the house, thus, we must borrow (the bank uses the technicality of calling it gifted) money from my family in the amount of $111,000. Even though my parents would have to pay gift tax on the funds and if we did not have the money gifted to us (all though we have the money in our business) we could not close on the house. That is when you said that you were looking for an exception on our behalf.

Mistake 4 was adding .25% onto the amount in lender's discount points, thus costing us $1000 extra in closing costs. Mistake 5 was telling my CPA that in order for us to close, he must sign a statement basically holding him accountable if our business is hurt by using our own money from our business account, holding us at the mercy of our accountant, in order to close the loan.

When this could not happen, you simply say too bad, sorry. The day before our scheduled closing. I am wondering if you were in our position, if you would not be livid. If you say you would not, then that is because you are on the other end of it. I do believe that BOA is unethical. Everyone I know has said as much. The bank took our tax payer money to bail themselves out, under the guise of stimulating the economy, but not giving loans. This is the absolutely truth and I think that everyone should know it. I will not just shut up and go away without spreading the word. I have all the documentation to support my claims.

Also, you have not been polite to me or my CPA. He did mention that you have been extremely rude to him numerous times. That is why he did not trust or want to deal with you anymore and he thought it was a good idea to seek a loan elsewhere. This is my last email to you in response to your claims that I did not provide you the correct documentation and that you claim that you did not know that we would not be using our business funds to pay for closing. Everything else will be formal complaints sent to the corporate headquarters and further."

We could not close on the house and now we are searching for a new lender. This has completely messed things up for us.

I just need this to be clarified asap as it is showing on my report. I totally understand that it was my responsibility that my home went into short sale in the first place although I did try time and time again to negio with boa (Bank of America) before it did. There are notes on file that reflect all my conversations. I am trying to piece my life back together as quickly and as best as I can. I am a single parent and I am not asking for sympathy just that boa corrects its mistakes. They need to reflect that my property was sold and that I do not owe over $5000.00 that was past mortgages. If you could please help.

On Sunday evening, 12-20-09, I got an automated phone call from BOA stating my payment was not made and I could pay on the phone. Not knowing what was up, I waited until Monday morning to call them and find out. That's when I found out about the escrow increase (why did this not happen in September?). I went to a local branch and paid the shortage. Then I called back BOA and explained the problem. They said they would waive the late fee (note that their call came in on Sunday night, the last day of the grace period).

I called my bi-weekly company and made the changes. But this takes a month to catch up. So anticipating the same problem in January, I called BOA on 01-04-10 and explained what I was going to do. I would go to the branch and pay the shortage. I also confirmed that the December late fee was reversed. They said it was. I went to the branch to make the payment and they said they could not take it because it was a partial payment. They could only accept full payments at the branch.

So I went to a BOA mortgage center branch and tried to pay. Same result. Why did they accept it in December? Finally, the teller called it in by phone and made the payment using check by phone. They waived the fee. This was done on 01-04-10, but the partial payment did not post until 01-06-10. I am all paid at this point. Okay, now the fun begins. On February 3rd, I got an automated call from BOA that my payment was not received. I assumed they were speaking about the February payment. I verified the payment. As it turned out, the extra payment from the bi-weekly company came in that month. I called BOA and I explained what I thought happened and the rep dispersed the extra money to principal. She gave me the figure. I was assured that all was caught up.

The next day, I got a letter from another branch of BOA offering assistance for families that can't pay their mortgage and I was more than 30 days late. My jaw dropped. I called BOA and spoke with a very rude gentleman who would not hear my story. He insisted it was what it was. I insisted on speaking to a manager. Finally, I got one. Then I realized they were talking about the January payment. I asked them to send me a letter stating that January was paid in full on time. They would not do that. All she would do is send me a letter that said my account was in good standing. When I looked at my Feb statement, I noticed that the Jan payment was listed as miscellaneous posting along with the escrow payment I made. It also showed 2 late fees December and January.

BOA, finally on Feb. 3rd, re-posted the payments as January principal, interest and escrow. But this made me over 30 days late. The December payment was not re-posted until 12-28-09. Then I did the math on the extra payment in Feb and they applied the money to principal $189.50 short. They took out the escrow shortages from Dec and Jan that were paid and a late fee that should have been waived. I called again. I went back to the mortgage center and tried to talk to someone, but nobody who knew mortgages was in. They called a customer service number and put me on the phone. 45 minutes later, I was told that they would open a research on the whole deal. I waited 2 weeks, nothing. I called again on 02-22-10. They would do another research. Also, they were to fix the problem with the funds taken from my extra payment.

It is March 12th and I have heard nothing. I still don't know why there was no shortage in Sept., Oct., and Nov. Their customer service is terrible. I do not trust anything they tell me. They are purposely reposting my payments late to create late charges. Now, I am in their system as a late payer. They have not damaged my credit (yet), but who knows what will happen in the future? I do not trust them at all. Ironically, they are calling me and mailing me a ton of refinance offers. Every time I have called to complain, they always ask me if I want to refinance as if they were not listening to my problems. I have started refinance with another company only to get away from BOA. I encourage anybody who is looking for a mortgage to run away from BOA.

Bank of America is now saying that they owe $7000 or they will foreclose on their home. This is very unfortunate because of the time and effort on Mrs. **'s part, who by the way just had major surgery. Mr. and Mrs. ** need help immediately.

When I paid my September payment timely, or so I thought, they applied it to August. Therefore putting me behind for September. This went on until December 2009. Who can pay out over $4000 a month for mortgage? Not me. Anyways, the late fees started piling up so I called to discuss my account. In late November, I was told all late fees would be removed. Nothing done. They are still requesting late fees for their mistake. However, you will never get them to say it was their mistake that they tried to take my mortgage from a closed account. For several months, I have tried to get this corrected. To this date, I'm still asked to pay late charges and fees. That's not right. This error was not mine.

In an effort to lower my mortgage, I found a homeowner insurance policy that was about $279 less per month. Why then was my account increased by $39.57 a month? Instead of my mortgage going down, it went up. They said the $39.57 was a security blanket (sort of speaking). I told them to remove the home owner fees from the mortgage and I will pay it directly. I thought about bankruptcy but I didn't want to go that route. Why oh why did Countrywide leave?

Refinancing is out of the question. Because I am upside down in my mortgage, I can't get refinanced. It's a crazy situation when Obama asked companies to help the homeowners try to keep their house. BOA does not help you at all. All they want is money and more money. I asked about other options to help make things a little better for me, nothing. BOA couldn't do anything. I want so badly to leave this company but because of my upside status, it's hard. I thought about just throwing in the towel and leaving it all alone.

As much as I love my home, I don't like the financing company. Because of the frustration and aggravation, I have developed a spirit of depression. I can't seem to make myself to to work. I don't want to leave my bedroom. I don't want to leave my house. I have chest pains every now and again because the mortgage is going up and the value of the house is going down.

According to the loan modification, all late fees and missed payments were applied to the loan modification. (I have to pay now longer, and at the end, it will cost me more than before.) In December 2009, I received a collection letter from Bank of America, telling me we have to pay $7,000 to bring our mortgage current. I called Bank of America.

After talking to one of the Customer Service Reps and explaining the whole situation again and again, he told me to just ignore the letter and to make the new and agreed payment in January. I told him to make a note in my file that I will be making the first payment, when I am able to see the changes online. Bank of America made the change in February 2010. I made the first payment on February 5, 2010, which was partially applied to the outstanding balance of $7,000.

I called Bank of America and explained that the payment was applied incorrectly. The Customer Service Rep told me that they are going to fix it. I made the second payment on February 10, 2010, which was my February payment, which went missing. It was never applied to the mortgage. I called Bank of America again and explained the whole situation again. They connected me to the Payment Recovery Department. I was told to fax proof that I made my payments, which I did. I was told to call back in 24 hours.

I called Bank of America back the next day, and I explained the whole situation again. According to the online banking page, the problem was not fixed. The lady on the phone told me it was all fixed. The next day, I started receiving collection calls from Bank of America Home Loans. So I called Bank of America Home Loans again and explained the whole situation again.

This time, I asked to speak with a supervisor. The lady on the phone was very nice, and she seemed to be really knowledgeable. "Of course, Mrs. **, we will fix the problem and there are now late fees. Because you paid on time, I will take care of this right." On March 5, I received a collection letter from Bank of America, which was dated March 1. I called up Bank of America again, and I asked to speak with a supervisor, which I never was able to. The lady told me that her supervisor (Dereck **) would look into my file and call me back.

When I asked the lady to explain to me why it hasn't been done yet, she said to take 30 days. This is another question no one can answer. Dereck ** never called me back.

So I called the President/CEO Office of Bank of America. I explain the whole situation and got connected to Lorenz **. He told me he looked into my file and that he would take care of everything personally and call me back on March 2, 2010. He never called back. I called the President/CEO Office of Bank of America again. The lady connected me to someone else, and he said that Lorenz ** was in some outside house training, but he gave my file to Brad ** and that after he hangs up the phone, he is emailing him and they will take care of it. I emailed Brad ** myself. No response either.

I called the next day, March 11, 2010, and to my surprise, the answering machine of Brad ** said, "I accepted a new position with Bank of America and bla bla." I called the corporate office, and they connected me to a lady named Summer, and she said she will make sure that Brad calls me back when he comes in. He still has not called back.

I sent a fax to the president of Bank of America; no response either. And I filed a complaint with the OCC. I am very disappointed with Bank of America; even though they helped us with the mortgage modification, I am giving them an A+ for connecting people to different departments and an F for Customer Service. I hope that Bank of America takes note of this.

Today, I received a letter telling me I have to pay a total of 5 payments, and $800 for foreclosure attorney, plus $1,756 of some fees, for a total of $7,083.78, when I have already made four payments, two $848.78, and two of $849, and when I called again, they said the payments are not posted, and they have to research it and I have to fax the proof and I did. I have made all the payments, so I am current, and they took the money. The first transfer was on Feb 16 and the second transfer was on Feb 22, and later on the 23rd I did two cash payments directly at the Weston Commons bank. I feel that they just want to take my house.

They have the money from my payments, but they, on purpose, put me in foreclosure without even warning me or anything. They are harassing me, telling me that I didn't make the payments, and they are scaring me with foreclosure. I am a single mom, and I was unemployed for about a year. I am working now, and I did my payments, and they are not cooperating. They said the computer decides if the payments are posted or not, but nobody helps you, or post the payments, but they retain the money and accumulate the fees to scare you. Please help me. I don't want to lose my house. I have an 11 year old son, and this is our only shelter. I do not have money to pay for the foreclosure and attorney's fees amounting to $2556. I made my payment and they sent me to foreclosure on purpose.

Today is March 11, and when I called them, they said they have sent back the payments, but it's not true. They are keeping the money, and they are sending me to foreclosure, and I have been calling every day to try to solve it, but they don't know where the money from the payments is, and they just told me to wait, but I am afraid they are sending me to foreclosure. They said I cannot send less money than what they demand on the reinstatement letter, but they already have half of the money, and the rest is just the attorney's fees, foreclosure fee, and the late fee, but they have the payments, and if they don't return me the money, and don't post, what can I do? I did the first payment on Feb 16 and today is March 11. Almost a month, and they don't post or send me the money back. I am extremely nervous with a lot of stress because of this issue.

They have been informed that I have been incurring costs in a hotel and with a fully loaded 26-foot U-Haul truck that just sits in a neighbor's yard since the 1st of March. At this point, I need my medication locked deep in the truck and other things I cannot live without.

When trying to contact the person in charge in Woodland Hills, we got a runaround and nothing but lies. These people also had the balls to ask us where we got $100,000 in cash and actually stated, "How do we know you are not drug dealers?" This infuriated my self and the others working on this with me, as the money was documented and they did not ask us this question until well after all the requirements have been met and signed off on.

There is a sense of entitlement that BofA has here, which I can honestly say will end up in court once this is done. I have read many others who complained about these people, and I invite them to contact me to set up a class action lawsuit against BankofAmerica for the horrific business practices they are engaged in.

Perhaps, it is not enough that these punks got bailed out, but here they are hiring collection agencies and attorneys with the money--not loaning it out to you and me--and then treating people as though there are no laws to protect against crap like that. I beg to differ.

Notice to BofA: We are going to court over this, and it will be in small claims, so you cannot cower your way out of it with a slippery lawyer. See you in the next few months...

When I called into to make the payment (I called 5 times over a period of a week.), no one from BOA would take the payment, and they said they had no idea where that letter came from, even though it was on BOA letterhead. During those 5 calls I made, I received 6 different amounts that I owe to BOA for February 2010.

Finally, on February 18, I spoke to a person in the Home Retention Department who said I owed $1200.25 for February 2010, and he would take that payment. I made the payment and received a confirmation number.

Yesterday, March 10, 2010, I received a call from BOA stating that I was behind on payments again, one for February and now march. I told them I had paid February and had the confirmation number. Manager Porshi ** told me that the payment I made did not cover the total amount due, therefore, they did not and would not post that payment I made. And it was sitting in their bank, pending as a credit for a partial payment.

I told her to that I did not owe any monies for February. Again, it was paid per the Home Retention team, and again, I had the confirmation number. She told me that it doesn't matter what the reps said and that it went by the written agreement, which would be the loan documents. I told her that was a scary thought that they could lie to me over the phone and say anything they wanted and tell me I was all current then hold those funds and then use that payment against me, hit my credit, saying I was late.

I faxed Porshi ** the letter stating I only owed $767.00 for February, even though I paid $1200.25 in February. After being told by Home Retention that I was current for February and that my payment would post within 3 days to the account, I found out yesterday that they never posted it to my account and they are using it to hit my credit scores for non-payment. Again, Porshi told me it didn't matter what they said over the phone and that its the written contracts they go by.

This morning at 7:08 (my time), my phone was ringing. As I was just getting up, I did not make it to answer the phone. Imagine my surprise when I called the number back and found that it was a BOA number. I am pretty sure that debt collectors are not allowed to call that early. And when I faxed over the letter stating I only owed $767 yesterday to Porshi, I also included what times I would be available over the next week. Today was not listed as available, as I have to work today.

This bank and these people are absolutely fraudulent. If I owned a business and I gave someone a receipt stamped paid in full and then 2 weeks later, I started hitting their credit for the bill they already paid and then told that customer "Well, that wasn't all that was due. You didn't pay it all," I would be sued and forced to eat that difference, considering they already have the paid-in-full receipt. How come BOA can do it?

BOA does everything they can to screw over their customers. They refuse to work with you, help you, and just don't give a flying peep about you. if we can't go by what the reps say on the phone, then why is BOA taking bailout monies and paying these ** to outright lie deliberately and get away with it? I am so disgusted with the lack of respect and absolute lies they have told me.

And yet, my credit is still being hit, as Porshi told me they are allowed to report non-payments to my credit. And again, she reminded me that I only paid a partial payment and that even if the rep told me I was current with that payment and took that payment and gave me a confirm numer, it still did not matter.

What's worse, even if I could refinance my loan (which I cannot, thanks to BOA constantly hitting my credit report and refusing to help me in the beginning when I was falling behind), I was not able to work with the new Home Retention team until after BOA put me into foreclosure, though I have requested them to do a loan modification for me during the entire summer of 2009. And even though I paid the loan current, they did not notify the foreclosure attorney, and a sale date was placed on my home and in the local paper as a notice, after I paid that loan current.

And if I was able to get a new bank to take my mortgage, there is nothing I can do when they sell it right back to BOA. So now, I sit with them holding my note on my house, and I cannot do anything about it. I am stuck paying these jerks for 25 more years. I tell everyone I know, not to use BOA for anything, as they are unscrupulous, fraudulent liars.

My second issue was when I had taken my October house payment to a Redding Branch, it never posted to my account yet the funds cleared my bank. When I provided them with a copy of the endorsed check from my bank I received a notice stating that my August payment had not been made and yet it was done by phone and now they are stating that my February payment has not been made.

I have provided them with copies of all my payments and withdrawals from my bank account. I have not made one single payment late, yet I have had to pay late fees and I received approximately 5-8 threatening phone calls from them each day for 5 months now. I am not even able to complete my tax return because they have not sent me a true and correct 1098 showing all the payments I have made. I am going absolutely crazy with the ignorance and inability of Bank of America to keep their bookkeeping straight. I do not know who or where to turn to help get this matter resolved. My $1660 a month house payment may not seem like a lot of money to lose, but to me it is a fortune.

How could such a big financial institution not be able to find their errors and torment their customers at the same time? Something or someone needs to intervene in their business practices. I am going absolutely crazy and have spent many a nights unable to sleep., my phone rings 5-8 times a day for 5 months now. I am even unable to complete my taxes in a timely manner due to Bank of America. I have spent an ungodly amount of time on the phone and sending them proof of my payments.

I come to find out that a partial payment was really not a good idea because the bank took my money, but did not post it to my loan until they had a full payment for that month. So each month, I would fall further behind. To make a long and horrible story short, I spoke with Vivian from Bank of America Home Loan Servicing on February 16, 2010 and spoke to her about my next payment arrangement. I told her that I do not want to lose my house and asked what I can do to save it. She seemed that most help so far and when I told her what I've been told before that they gave me misinformation, she said I should request for a loan modification, which I did. I faxed all the required documents (hardship letter, 2 months bank statements, 1 month wages and last year's tax return) on February 17, 2010 to the provided number. I was feeling a little more relieved.

I sent in my next payment and when I checked my bank account about a week later, the check has not cleared yet. So I called Bank of America on Saturday, March 6, 2010 and spoke with Shenisha and asked her if they received my payment. She said they did but that they are sending it back because my house is in foreclosure as of 3/2/2010. I was in shock. I could not believe what she had told me. I told that I sent in the documents for a loan modification on 2/17/2010 and that I was safe from foreclosure. She acknowledged that they received the documents but that it was being reviewed for accuracy and that the loan modification had not started yet, but it will soon.

I would think that when you are reviewing the documents, that starts the process. Was I lied to again? Is this normal business practice? What can I do to save my home or what are my options? Please help or direct me to where I should go to next. Because of the incorrect information given to me about my partial payment and the delay in the Loan Modification, my home is now in foreclosure. I think they did this intentionally.

I went into the center this morning and was unable to get the signature I needed. I was there about an hour and a half. I was finally told that the computer systems for the entire BofA banking system, nationwide, was unavailable. I was unable to get the signature I required and was told to come back another time. Is it the policy of BofA to withhold funds from their customers? I was told that it will depend on the status of my loan as to whether the signature will be given for my check. It is not in default. I am physically restricted due to injury and I do not go out very often. I need to pay the venders who performed the job and I see no reason that I can't get the signature for the insurance check and pay the bills due since the work was completed on February 12, 2010.

When I called the mortgage company, they told me since my accounts are linked, they have the right to take any money from my account that's past due. Even if I had a zero balance which I only had enough to pay one payment for $3755. Now, my account is overdrawn $3700. The crazy thing is Bank of America mortgage took money from Bank of America checking, when there was no money there so they took an IOU from my checking account. This needs to be class action. Mortgage companies should not have access to our online banking resources even if it is the same bank without our signatures or prior authorization. Please contact me for more information.

I was continually being blown off, and for months now, I cant get anyone in that department. They won't provide any names to dial direct to anyone in the Hope Department. Even their phone service auto transfers you to customer service, which tells you that you need the Hope Dept, and around, and around you go nowhere. We have a first and a second, and we have had no issues with our auto transfer with our first, but continually each month, I have to call them on our second. Their system doesn't draft it. We get a charge, and rude customer service, of which, each one tells a different story of why it happened, including blaming us.

I can't believe they are still in business with how they practice. I decided to refinance for the government made affordable plan, at $250 more than we are paying to see, if we can squeeze out the payments, and received a 5.25 interest rate. The next day, a girl called to finalize everything, and quoted a 5.375 rate, and a larger increase in our payment. When I stated that it was not the rate agreed upon, even taped, she indicated that that is what it is, but would review and get back to me. She indicated something was wrong with their system, but it was the 5.375. I said I could definitely not afford that, and that I would like to cancel the refinance. They misrepresented the interest rate. It almost felt like a bait and switch. For the next month. I received calls from people, and automated messages to call them, regarding this loan.

They wanted to finalize it at the higher rate. Each time, I stated we were not continuing with the loan, because of the interest rate being misrepresented. Literally 5 or more a day, sometimes. Calls came in. I cannot stand the automated calls, and refused to answer those. Plus, the whole time, my husband is in the hospital, and I need my phone free for family. This really bothered me, that I had to deal with their **, at the same time my husband is fighting for his life. It is funny or ironic that I can't reach their Hope Dept, but they can harass me with their ineptitude and continued calls.

Now, I recently I received a letter, indicating they were denying the refinance, due to insufficient funds. I called on this as this was wrong, and I didn't want our credit score affected by this, and of course got nowhere. Then, they charged me for an appraisal we've never done! For the last four months, they have not gotten our payment auto-transferred, and I continue to have problems. I am switching our auto-pay from being requested by BAC, to having my bank send it to them. I do not have the time for their errors. I am very frustrated, tired, etc. Where is the help for us? All these banks are getting money to help us, funded by us through our taxes, yet no one is getting help. Can they just ignore me like they have, since April 2009?

It is sad that these banks are getting away with this. Doesn't the government see these websites with all the complaints? We will most likely lose our house, once our loans arm runs out this month. We don't know what variable rate it will become, and most likely, will not be able to pay it. Since my husband is still in the hospital, we are starting to receive some hospital bills ,which are over $12,000 at this point. Because of this, I don't have the time to deal with BAC, and doubt I would get anywhere further than I have, so giving up is all I can think of now, which is most likely what they want. I am tired of it all, and stressed beyond my limits. A refinance should not take close to a year. There should be accountability that the banks are using the money for what it was intended.

This has been going back and forth since November 2009. Now the bank is charging me extra, and I am paying more to State Farm. Bank of America refused to answer my queries. This is only costing about $84.00 extra annually--maybe not much--but it is an indication the BofA could cause me more problems in the future.

On February 10th, they told us we were not approved. On February 17th, 7 DAYS LATER, they placed us in foreclosure and refused any more payments. It took over a year to tell us we don't qualify for a modification and in 7 days, we went from maybe getting a modification to foreclosure. They say we make enough to pay the primary mortgage but they don't take into account the Line of Credit my wife took out before we were married.

I tried to let them know I was making more money when I was serving in the military and now I was getting back to the civilian life and they didn't seem to care. I know this cannot be legal to go into foreclosure in 7 days especially when I was instructed not to pay the primary but to pay the trial Payments. Consequences are that they are going to put me (an Iraq War Veteran with Multiple deployments), my wife and my 3 kids out on the street. Way to go Bank of America after you survived with my tax dollars.

Each month, I call and make a payment (confirmation number recorded) and each month I slip another month behind. Now, I am fighting foreclosure and it is no fault of mine. BOA representatives claim that it is just a "formality" and that the files will be corrected eventually. This has caused me negative credit scores (never had any issues in the past). They state that I can pay a rather large amount of money to correct the issue (which is not possible for me).

I called my 1st lien holder through Citi. Got everything squared away no problem. On February 2010 1st, loan is modified. I call Bank of America back and was told yes we do modify 2nd loans if your 1st is completed, I said great what do you need so we can move forward. Bank of America says, “We need your 1st mortgage loan documents you signed for your modification proving it as modified,” I said ok. And I faxed it over. Two days later I call them back and said I faxed in a loan modification document for my first mortgage proving it was modified through CitiMortgage I need to make sure you received it.

Of course, the person I was speaking to didn’t know what I was talking about and said we don’t modify 2nd mortgages. I said yes you do ask your manager. So she did. I was right and she transferred me to a different department where this person couldn’t help me and this went on for about 20 min until I finally got someone who could just tell me the fax was received. She said yes we have it and your loan will be assigned to an outside counselor?! I thought that was wrong because the customer service rep in the 1st place who told me to fax the documents for the modification to get completed said all was done in house. So I said, “Ok well how long will this take?”

She said you will be notified in 30 days. I thought that was really wrong and called back the next day and I get the run around not only am I on hold to get someone on the phone (this is typical with Bank of America) like a 20 min wait each time your transferred). I get someone finally. I say I was told to wait 30 days but it didn’t sound correct so I am calling back to make sure I know when is going on with my 2nd loan to be modified and I faxed in all documents supporting the 1st was completed and need to know what steps to get this going. This person tells me, “I am sorry we don’t have a fax from you.” I said, “Are you kidding me?

The person I spoke to yesterday advised me they got the fax and the loan was assigned to an outside counselor and I will be contacted within 30 days to move forward.” This person says, “I am sorry but we do everything in-house and I need you to re fax this document.” I said, “Ok give me a fax.” He did and this fax was a completely different fax than the one I was given in the first place. I was so furious. Here I am trying to get this done and I am getting the run around by this bank that has the most uneducated home loan customer service reps I have ever dealt with.

Thank god, I worked in Mortgage for 7 years and know what I am talking about and up on exactly what is going on with my loans and how to deal with these people. So I ask for a manager. I got a manager on the phone. Let him know that this company has the most unprofessional customer service reps and each and every one of them needs to be educated and on the same page when it comes to helping their customers. The wait time needs to be no longer than 5 min. Bank of America needs some serious over hauling!

I am at my wits end and don’t know what else to do. My civilian income was cut in half and I am also part time Military. I want to keep my house but they are just playing games and a year later, nothing is getting done! I just faxed over all finance docs for the 3rd time today. Credit is destroyed and cannot refinance my vehicle (lease is up). I hold security clearance in Military and am about to lose that due to negligent credit reporting.

In early 2009, Countrywide sold our loan to Bank of America. When we received statements in January saying that we were behind on our payments, we called them and spoke to a man named Sheldon who informed us that the computer was just running behind and to ignore the statement and that when the computer catches up, it will show up and everything will be fine. The end of January, a woman named Mellisa called about past due payments. We told her about the new financing. She found it in her computer and said that she would fix it in the computer and it was okay.

We went on paying the amount that was specified in the loan modification. In may of 2009, we called again to inquire about why it was still showing up as late payments and spoke to a woman named Shontay. She told us that Bank of America now showed the old loan information in their computer. According to Shontay, they were not going to honor the loan modification made by Countrywide because there was a refinance and a loan modification in the same year and that it's not allowed. She transferred us to someone else who was going to help fix the problem. We were transferred to Jai who informed us that he would talk to someone in another department to see if they can recognize the loan modification and to just keep paying the amount specified.

We have since spoken to numerous customer service representatives; all who had different reasons for why they couldn't honor the loan modification, but none were willing to help us or transfer us to someone who could help us. We were just told over and over that the only way to fix it was to pay the past due amounts which by now is over $5000.

Me and my wife are both disabled and on fixed incomes. We don't have that kind of money and have no way of coming up with it. They have since destroyed our credit and are now threatening to foreclose on us. They continue to this day to take our money at the lower payment amount and continue to cash the checks but are totally unwilling to fix the loan modification or do anything to help us keep our house that we have lived in for over 15 years. We have acquired a legal aid lawyer to help us in our fight to keep our home. She, too, has gotten nowhere with them. She was just transferred from one person who can't or won't help and nobody seems to know how to fix this or wants to help fix this. It seems that they want nothing more than to foreclose and take our house.

This has destroyed our credit and kept us from doing anything to fix it among other things. Not to mention the stress put on my disabled wife and I. Now, she is stressed out to the point of nearing hospitalization. She has severe heart trouble and stress can cause serious problems with her. All over something that was supposed to help keep us from being stressed and strained financially. They never called us to tell us that there was a problem with the loan modification or that they wouldn't honor the loan modification that Countrywide had done. They just led us to believe that it was fine until it was too late for us to be able to fix it and then they refused to fix it for us. This is a bank bullying its customers and any help would be greatly appreciated.

As part of our attempt to collect association fees owed, we had our attorneys do an asset search on the homeowner in June of 2009. The attorneys found absolutely no employment records, bank records, etc. In October 2009, we obtained an order of eviction as allowed by the State of Illinois so we could rent the unit to recoup the monies owed to us. The Dupage County Sheriff’s department and our property manager were present on the day of the eviction. When they gained entry to this unit, we found it had been completely stripped of everything and the homeowner had vacated the unit. The Village of Addison had already shut off the water service and posted a notice that the lender would be notified that the unit had been vacated.

We are unable to rent the unit because of its condition. And since October 2009, the foreclosure has been delayed five or six times, four of the delays taking place since January of 2010. As of 3/5/2010, this has been delayed again. We have contacted the attorneys for the lender Bank of America for the status of this foreclosure. We have been told repeatedly the reason for the delay is because they are working with the homeowner on a loan modification. We know this not possible. The unit has been vacated, is worth virtually nothing, and the homeowner does not and would not have qualified for a loan modification.

The lender is fraudulently claiming this mortgage falls under the loan modification program. We have every reason to believe Bank of America is intentionally stalling this foreclosure, so they will not have to assume responsibility for association fees and other costs associated with this property. These continued delays are costing our association a great deal of money and will continue to do so until this unit is foreclosed on. This unit accounts for more than 1/3 of our association debt. This was not the intention of the loan modification program. We are willing to provide all the documentation we have in regards to this matter. Please contact me or our property manager. The debt for this one foreclosure is now in excess of $10,000 and this will have to be passed on to the other 113 homeowners.

Then, the phone calls started. We were being contacted by Bank of America sometimes 2-3 times a day, 2-4 times a week, and once, we would tell them about the TB&W situation, they would tell us not to worry, it would be about 10 more days before this could be fixed. There would be no late charges, no credit reporting, etc. We were told to continue to pay our original payment amount, even though the statement had a higher payment listed, because of late charges. This has gone on since September 1, 2009.

I have mailed proof of our August payment four times to Bank of America. I have faxed the same information twice. Every time, I receive letters back, stating that our proof (the copy of my bank statement) is not sufficient. The last time I mailed them copies of every payment from August until January, 2010. Last week, I received another letter saying they have received the proof or our payment, however, it is still not enough, and they would now like copies of all of my bank statements from August, until the present. Our monthly statement came yesterday, and it says our loan is now in default.

There are hundreds of dollars in late charges, and it is now saying we owe them over $2,800.00 in back payments. They are also saying that if we send our normal payment, it may be sent back. They want the full amount. We are never able to speak to the same person, or to anyone who seems to know anything about resolving this. We have been given bad phone numbers to call, bad addresses for correspondence, and even a name of a person I spoke to personally, who was not at that number when I called back. We have been harassed over and over. They called my husband at work repeatedly, even after being told not to contact him at work. At this point, we just don't know what to do. We worked so hard to fix our credit, and buy a home, and now because of this, we are about to lose everything. Any help on this would be greatly appreciated.

When we were younger, we didn't have such great credit. We worked very, very hard to fix our credit, so that we could buy our home. We have never missed a payment, and we have never been late on our payments. Our stress level is extremely high, because we are so worried about this. We can't sleep at night because we lay there worrying. And now, with this recent default comment on our statement, I am feeling very stressed, anxious, etc. I did check our credit report a month or so ago, and nothing had been reported.

In fact, Bank of America has not even reported the payments we've made. Also, our tax preparer says that what we've paid in interest for the year on our mortgage, and what Bank of America says we've paid are not accurate. He said that Bank of America is not reporting the full amount. I hope someone can help us.

When we received our first coupon in the mail from the approval, our mortgage went from 1049.00 to 1349.00. We immediately called Bank of America and complained that we could not pay the 1049.00 and what made them think we could pay the 1349.00. Our loan went back into process for the Obama relief. We were told in December 2009, not to make any house payments and we would get a packet in the mail with our new mortgage amount. Since we this time around qualified for the Obama affordable home relief.

We continued to call every week to check the status and were continuously told the loan is still in process. We continued to call weekly and were told our packet would be mailed in February. The packet could be the 1st of February or the middle of February and at that time we will receive all of our new loan documents and the amount that we would be paying. A total amount was and could not be given due to the loan still in process. The week before February 1st, we called Bank of America. Again this was on a Thursday.

We were told at that time we no longer qualified for the Obama affordable home relieve and we needed to pay lump sum all funds that we are behind on. I informed them I did not understand how they can say that when we were told we were approved and each week we were told in process. The collection lady stated that myself and my co borrower needed to go out and each get a second job and maybe we would be able to pay our bills. My husband nor my health has been the greatest. The reason why we got behind in the first place is due to the end of 2008, I had 4 breast surgeries of which I was paying out of pocket a large sum of money for the surgeries. This tapped into our mortgage payment.

My husband has skin cancer of which his treatment for each visit is over 300.00. This is supposed to be paid up front. I spoke with Bank of America again on February 2 and was told that our house is being foreclosed on and is scheduled for auction on April 6, 2010. We were never received anything in the mail or received any phone calls. We are at a loss. We do not want to lose our house and we don't know what else we can do to keep our home. I spoke with an attorney today 3/3/2010 and was told since it is scheduled to be auctioned. There is nothing they can do.

I have phoned and emailed Ms. T. almost daily since September of 2009 and still have no resolution regarding either of the loans that BoA services on my behalf. Sue L., an employee of the company that invested in my mortgage, Kaiser Federal Bank, has taken it upon herself to work with my directly to see if I qualify for a mortgage loan modification. She did this, despite the fact that her company retained BofA to service its loans because she, too, experienced repeated frustrations and non-action when dealing with Ms. T. and Ms. T.'s supervisor Kelly F., neither of whom return phone calls or emails.

I've contacted BofA's office of the President and CEO and spoke with Phil, Nancy C.'s office, Mari, Jason S., Noah, Tim E., Jose V. and Candace M. No one has been able to figure out why I've received no follow up since completing my 3 trial payments for my HELOC loan modification. They no longer even try to help me with my mortgage application since the investor is working directly with me. Everyone I speak with at BofA simply sends Ms. T. and her supervisor Kelly F. an email stating that the customer is trying to contact her/them. This has yielded 0 response from Ms. T. and, thus, I remain in a limbo that began 9 months ago when I initially applied for the loan modifications.

Bank of America's collection department calls me several times daily. I speak with someone in that department at least once daily. They have no record in the system of my having completed trial payments towards a loan modification. It's as if Bank of America's computers aren't linked and the various departments have no idea what's going on. Bank of America reports that I am behind in my payments every month to various credit reporting bureaus. My credit score is shot, which makes everything about this situation even more difficult.

The consequences are that Bank of America continues to report that I'm late with my payments and that I have a huge outstanding balance when, in fact, I make payments every month based on the amount of the trial payments. With my primary mortgage, they don't post the payments to my account, which is screwing up my tax filing records since they are not recording the massive amount of interest I'm paying on my mortgage monthly. Mortgage interest is, generally, tax deductible.

I'm unable to file my income taxes until this is straightened out. I receive harassing phone calls from Bank of America's collection department every single day. I answer these calls and explain my situation--that I'm in the process of being considered, supposedly, for loan modifications, that I've completed 3 trial payments on the HELOC loan modification, that I want to pay them, but I'm working with a negotiator to determine how much my payments are and, in the meantime, I continue to make payments based on my trial payment amounts.

The harassing phone calls continue multiple times daily. I spend at least 1 to 1-1/2 hours daily trying to work out the quagmire that is my mortgage and HELOC situation. I am losing income, sleep and peace of mind. I've gone on anti-depressants to deal with anxiety of not being able to get a response from Bank of America other than the harassing phone calls from the collection department. Harassing me might be understandable if I were trying to duck my payments. But I am honestly trying to be in integrity here. Get loan modifications, keep my home, get current with payments. Bank of America reports me as delinquent with my loan payments every month, which has killed what was once my excellent credit score.

She asked that I fax her "proof" of what I verbally told her and I did. It was the same information I faxed to Rhiannon ** in the Research Department when I was sent to foreclosure and the same information I faxed to Jennifer ** in Home Retention because she could not see what was in the Research Department’s. notes. Unfortunately, I did not hear back from her (Cynthia **) when I did call to see if she received my fax. She stated she was extremely busy and could I fax it again. I did. Still, no answer. I called the day before the foreclosure date and she informed me it was still in "Research".

I asked her what good would the research be if the sell date was for tomorrow? Her answer was, "Oh, it’s tomorrow?" Hold a moment. She came back and said she would have it (the foreclosure date) postponed and to call her back in 2 hours. I called back several times from my phone well after 2 hours. She did not answer. After one call, I immediately called back from another number and she answered. Once I gave her my name, she said, “Oh, I was just about to call you. I don't have an answer yet. Call me in an hour.” I told her I would have to file bankruptcy if I did not hear from her by 6.

I was charged a $35 fee. They drafted the increased amount early (January 2010 instead of February 1). As a result, they took me off automatic draft without my knowledge, then they called me from the collection department to tell me that my mortgage payment was short for the month of January 2010. Also, they did not post my January payment until February 2010. And I am yet to get my $35 overdraft fee back and was informed that a check would be issued to me. Keep in mind that my mortgage was not supposed to increase until February 2010.

I only found out that my automatic draft had been stopped in January, because my February 1, 2010 payment did not draft as it should have. Needless to say, I was upset because no one informed me. So on February 4, I called customer service at 1-800 and spoke with representative Kevin. He told me that I was taken off draft, because I had not paid the full amount in January and that since that has been corrected, he will set me back up on my automatic draft. He said he could take my payment over the phone for February 1, 2010, but it would be a $20 charge. After he discovered that I was upset, he waived the fee.

Then I asked Kevin if my draft for February 15, 2010 would come out as it should. He then stated that he would make sure that was set up as well. I said OK. I gave him all my checking account information again, even though it was in the system, because he stated he could not use that information. Now I'm upset, but I did provide the information.

My first draft for February that he took over the phone came out on February 5, 2010 for $358.00 (the amount that my mortgage was increased to beginning the month of February). I was uncertain if my draft for February 15, 2010 in the amount of $358.00 would come out as scheduled, so I called around February 8 or 9 to ensure Kevin had set everything up as he promised.

I got a rep on the phone and was informed "Ma'am, I don't see a draft scheduled to come out. He did not set this up, and we are going to need that payment for the month of February to ensure that you have a full payment." So now, I'm pissed.

They transferred me to a supervisor named Chaquita, and she looked and quoted the same thing. "Your draft is not set up, and we will need the second part of your payment to have you account up to date for this month. Let me set that up for you right now." So she asked for my information as well while continuing to apologize for the previous rep, Kevin, (on February 4, 2010) not setting up my automatic draft as he said he would. So now, I'm thinking this is an impotent system.

She also stated that the banks would be closed on February 15, 2010 for the President's day and assured me that the payment would post February 16, and I would not be charged a late fee. My mortgage is considered late after the 16th of each month. Well, I checked my checking account on February 17, and Bank of America drafted 2 payments, one for $358.00 and one for $365.42.This made a total of 3 drafts from my account instead of 2. Apparently, Kevin did actually set up the draft as he said, but no one could see that in the computer. Why not?!

Now, this caused me another overdraft fee in the amount of $70, because I was not expecting 2 drafts on the same day from Bank of America, because they had already received a payment on February 5, 2010. So I called, very, very, very upset. I was then informed they do see three drafts and would try to adjust that. However, they had not applied any of this money to my mortgage payment for the month of February 2010, and it was in "hold status." Why did they not post my money to my mortgage account?

I was placed on hold, and the representative checked with the Research Department. They supposedly applied enough money from the "hold" to my mortgage account for February, and I should be up to date. OK, now I'm thinking everything is OK. But I still need to get my money that I am owed plus the overdraft fees for January and February because of their error. I didn't get much success over the phone. I went to a Bank of America Branch on Elvis Presley Street on February 25, 2010, because the idiots still had not cleared my account and had not refunded my money.

The rep at the branch on Elvis Presley Bank of America spoke with a representative named Donnie and explained everything to him, and also, he faxed a statement from my checking account showing all this activity which included the overdrafts and the NSF fees as well as the fact that my mortgage is on automatic draft and has been paid on time.The representative at Bank America Branch on Elvis Presley told me to go back to my bank and sign an "unauthorized charge form," and I did.

My bank refunded my money and the fees on February 27, 2010. Donnie, at the mortgage company promised to call me daily until the mess is resolved, but he never called me ever. Yesterday, March 2, 2010, I spoke with a Brandy at the mortgage company, and she stated that my account is stating that I am 2 months behind on my mortgage. (Payment for February or March 2010 had not been received.) So now I am upset and mad.

She stated, "I see the three drafts, and I don't understand what is going on with this account." I told that apparently, neither does anyone else. She promised to call me today, March 3, 2010.

Last night, March 2, 2010, I received 2 calls from the collection department at 1-800-669-0102 stating that my mortgage is behind 2 months and I would continue to receive calls until my mortgage is up to date. I have also received at least 3 late payment charges on my account, even though it is on automatic draft. What is going on? I need help, and I am stressed. If I get a foreclosure notice, I and Bank of America have a problem.

After dealing with what is now Bank of America for several months, they did a loan modification which brought my loan current, and was going to save my house and we thought it was a good idea. They dropped our rate down only from 6.25 to 6% and our payment was almost $100 higher than it originally was. Now, I went to make our first payment and they have adjusted our escrow or something and my payment has went up another $300. My payment originally was around $1100 and they now want $1500. I may have gotten my house out of foreclosure and its mine, for now, because if I couldn't afford $1100, how can I afford $1500. They didn't help me at all and I don't know what to do.

I may go back into foreclosure if I cannot get a real modification or restruction or lower rate or something. I cannot afford $1500.00 per month. I just want a real modification, lower rate, lower something. Please help.

In October, they asked me the same series of questions. Told me to wait for the packet in the mail. Up to this day, I have not received anything. I called over and over. Asked for a manager or a supervisor. They said they cannot transfer me but they will expedite my call and I will get a call in 7-10 days. They have expedited my calls about four times and I have never received not one call from a supervisor.

The reason I was trying to get into the program in the first place is because of loss of income and it is getting harder and harder for me to make my monthly payments but with the modification loan, it will help me. I had no idea trying to get help to save my house would take 8 months and still no help and no care in the world from BOA staff. Please help! I am drowning and BoA does not care! They would rather you go into foreclosure or go severely delinquent to get your attention.

To make a long story short, we then decided to pay over the phone and request a stop payment from our bank (Not BoA)on the first issued check and considered the it lost (on their end). The assistant taking my bank information to complete the phone transaction received all the proper stuff to confirm that the account was valid and gave me a confirmation number at the end of the conversation. Then an additional week went by and calls started with the dept collecting department again, stating they hadn't received our first payment.

So the third time (a charm), my wife went through the same ordeal and submitted another phone payment with the fee waived and confirmation occurred just before our second payment was due. As of today we paid the second payment via their web site and it has yet to clear. So time will tell if we go through this again. In the meantime we are fighting the late payments they promised would not follow, as again it is their fault. Stay tune for the next installment within this on going saga of how BAC shows their incompetence.

They've added charges to my loan without documentation of the charges. I have had two trial periods and the final is even more. They did not offer a fixed mortgage. I was told but have no proof that they used my gross income in place of my net income. This is the second time that has happened.

All documents pertaining to sale were faxed to the short sale dept on the same day. BOA Home Loans has continuously lost all paperwork (47 pages) pertaining to the contract, HUD1 etc. in spite of it being faxed 14 times and mailed certified. Between my realtor and me, we made verbal and written contact w/ them at least once a week to get nothing but the run around. To make a long story short, they notified me in early February 2010 that my home was set to be foreclosed on 3/2/10. I had to file Chapter 7 bankruptcy to protect my belongings until they could be removed from the property.

Including the down payment on my home and all payments made I have lost almost $130,000.00 and have no home. The purchase price was $156,900.00. I have suffered a huge financial loss. I can't begin to explain the emotional, mental and physical damage I have suffered from their neglect, disorganization, untimely process and unnecessary foreclosure proceedings.

The problem is I made my August 2009 mortgage payment to TB&W but they apparently did not forward the August payment to BOA. BOA has been harassing me for that same payment to the point of threatening foreclosure, garnishing of VA benefits, negative credit reports, numerous threatening phone calls, etc. When I speak with the BOA customer reps, they, in a very professional tone, acknowledge they are wrong, and that their system simply has to catch up (something supposed to have happened by end of October 2009).

But, the matter has apparently gone to their collections and I continue to get threatening letters and phone calls. I have sent them on numerous occasions copies documenting my payments to TB&W from June 2009 through August 2009, and to BOA from September 2009 to the present, and have all documents to reflect that I am up to date.

I was informed that I needed additional documents, and that others had not been received. Somehow, some of the paperwork in the package managed to reach them, but some of it disappeared. This process occurred three times. I sent more copies of the same documents and then would either get a call or letter that only some had been received or that they were incomplete. All this was occurring even though I sent exactly what was requested over and over. Then came the letter from BOA that they had "inspected" my property and it was found to be vacant. I was notified that they would be notifying my homeowners insurance company of this information and if it was incorrect, to please call customer service. I did call - immediately. I explained that I had lived here for 21 years and it had never been vacant. I haven't even been on vacation in years. I was told that they would order a reinspection and it had better look like I lived there.

I live on a mountain. A GPS tracking system will tell you that you are here when you are halfway down the dirt road to my house. Three homes near me have been foreclosed and are vacant, but mine is not and has never been. I also have my house number on the house. I have fully explained all this to BOA, and they "made a note of it". Well, the reinspection report indicated that they couldn't tell if someone lived here or not. Again, I think they never came all the way to my house.

I now have a notice from my homeowners insurance that I have been cancelled due to the property being vacant. They were notified of this situation by BOA. I have now also gotten a notice from my mortgage insurance company that it has been cancelled due to lack of payment. Apparently when I entered the modification program, they quit paying the mortgage insurance. I was told by customer service that they would only pay homeowners and taxes to protect them as the lien holder. Of course, I just received the notice that the mortgage insurance had been cancelled. Imagine if I had died?

Today I was on the phone for a total of 6 hours with one department or another at BOA trying to get at least one part of what is left of my mortgage straightened out. I have been angry, frustrated, and in tears. Last Wednesday I received a Fed Ex package from BOA. The letter inside said I was still missing documents and they had to be there by Feb. 27 or my modification would not go through. I have been on the phone all day and have only been told that the Fed Ex package did arrive, but they were too busy to tell me if the documents were received.

Someone did finally tell me that a review on my file dated today indicates that documents (but not which ones) are still missing and my modification is not done. I have done every single thing that was required of me before any deadline that was given, yet somehow my mortgage has turned into this nightmare. I have played by their rules and yet this is the result. The economic consequences of this are tremendous. I am currently considered "in default" on my mortgage, even though I am in the modification program. If they decide to deny my modification due to "incomplete documents", I will have to come up with the difference in the modified payments that have been made and the amount that was originally due. If not, then I may lose my home.

Now understand that I couldn't pay my loan until these figures came in, so time is steadily elapsing. Long story short, that was one month ago and all I'm trying to do is find out how much I owe with the reinstatement fees added to my loan and pay! I have gotten the runaround on every end and I am afraid I may lose my home because of this.

I’ve called my Congressman, been on the news, sent my case to the Florida Attorney General’s office, HUD. I’m still losing my house even though we qualify for the Making Homes Affordable program that seems to be a total load of crap. I’m working my butt off with two jobs and we have no extra bills other than mortgage and car payment. I’ve been putting the money away that they have returned. Originally, they wanted half down what I owed them. Then they still declined me, told me to go to my church, family members and borrow the money or sell one of my cars. How would I get to my two jobs I’ve had to get to qualify? Anyhow, they keep putting me off, saying they are reviewing it. After two denials, I am not optimistic. If I let this go in front of a judge, they'll be in big trouble. They never even served my husband with the foreclosure and the loan is in his name.

I then called up customer service and they agreed to send me a letter with my payments. Each month during 2009, I paid extra on my mortgage payments. Again, for late payments, and I was hoping they would apply it to my late payment. But reading the statement, they did neither. They kept adding late payments. I was paying from 850.00 to 900.00 each month. So I got on the phone with them and spent about two hours with a Myra on the phone. She could not explain to me where this extra money went and why I was still receiving a charge for late payments and that she could not help me, but she would get in touch with me the next day.

The next day went by, no phone call. The next week, I received a call on when my next payment was going to be made. I just made one the week before and I asked him Myra was suppose to be calling me back. He told me that I had to call customer service and I did. This time I talked to Cassandra and we went through the same. It has been going on like this for a few months, and no one can tell me where that money went. It was about 700.00 extra dollars. I received a letter Friday, Feb. 26, 2010. Stating the payment will have to be made by March 19. I just want the extra money to be applied to my late payment. Where has it gone? I have paperwork from my bank where I made the payments and from their bank where just the minimum payment showed up. What do I do? Who do I contact?

I then got a notice from their attorney with a foreclosure notice stating that they intend on foreclosing on the house on April 1st. All the payments I have sent them since the notice were returned to me after the federal HOPE program told me to send them all I could until the papers went through. I again called Bank of America and was told now I don't qualify for any of their programs because my income is under limits and this is after they informed me not to pay any of my credit cards or etc. but them. Yet now they sent me another package of forms to photocopy and send to them at my cost, still with my now ex-husband's name on them.

I called them again. They told me to send the final divorce papers which was just finalized as of Feb. 23rd. The papers needed to be back to them by the 20th of Feb. Also, I called them back in July to see why my mortgage went up and they processed a phone payment on the automated system without my permission to do so, when I just made a payment to them using their website. The payment on their automated system made everything in my checkbook bounce along with the online payment. I sent them proof of what they had done and was told they aren't responsible for anything that was done on their website, so they refused to refund me any of overdraft fees then proceeded to charge me an additional $225.00 in overdraft fees and late fees for the online payment being NSF.

I just don't know anymore where to turn. According to the Obama Making Homes More Affordable program, I qualify. According to HUD, FHA and the HOPE program, I qualify. Bank of America says I don't qualify for anything and they are just going to foreclose on the property. Mind you, since I took my mortgage through FHA/HUD, I have kept PMI on my mortgage.

02/23/10 Arlinda said that on February 7th loan modification was denied!!! they do not know who was calling me and the notes show calls but not what was said. Spoke with Cheryl G she pre-qualified us AGAIN! For the making homes affordable with a trial payment of $1,150.99 need to fax in hardship letter, tax form4506T send in unemployment stubs. And last years tax forms. Here we go again.

I also received a letter that basically said that my loan is in jeopardy of being in default. I spoke with (2) different employees at BAC; both told me different amounts were due to catch up my payment. In 4 years, this is only the 2nd time I've had an issue making a payment. I made a payment of $185.00 this morning. I'm not sure if that will straighten it out, considering that I'm not sure what the true amount due is. My question is do I have any recourse on getting this item taken off my credit report? Is there no leniency for consumers that do everything they can to make their payments on time? And if honestly run into a problem, we're not given even the slightest break. Without even thinking, they just ruin your credit.

In this economy, your credit report can jeopardize getting/holding a job, etc. I find it hard to believe that these large corporations don't have any compassion at all for those of us who try and do the right thing. So why should we, when something happens that could not be prevented, not be understood? They don't try and work with you.

I explained to them the bankruptcy discharge that I'm on disability and that I considered this harassment. I was told this would be removed immediately. Three months later, I write BOA and I'm told I need to complain to the Comptroller, not the FDIC. Now, I'm writing to BOA, the Attorney General, the Comptroller and my bankruptcy attorney because the amount shows up on my online account every time I log in to do my banking.

It's harassment! I'm scared to death, they are going to try to hold me to this debt somehow. How can they do this? Emotionally, mentally, and physically drained, stressed, harassed by someone hounding me for over $300,000 for a debt. I don't even owe them! My health is suffering. Not to mention what it's continuing to do to my credit.

After that, "Ivan" gets on the phone and the same thing, he kept telling me how he didn't understand my question. How hard was it to understand, "I received a letter from Bank of America that said my insurance was going to change my insurance is impounded through my loan. Could you tell me who is holding my flood insurance and my homeowners insurance?" I lost my cool and asked Mr. I. if he was a homeowner? When his response was no, I told him that he did not know what it was like to be in the process of losing your home and seeing the numbers on the property drop so drastically.

At the end, I think he understood my point of view but I have received no help from bank of America with the modification of my loan and the home retention team is no help in giving you hope. I am a banker at Wells Fargo Bank and was previously employed for three years by B of A and I know that all people have now a days is to see some hope and light at the end of the tunnel. Sad to see their customers service has dropped so significantly. I don't know what will happen with my loan but I sure don't want to lose our home.

On Thursday morning, I called Customer Service, I hoped for the last time and was told my wire transfer was effective Monday February 22, 2010. Maybe Customer Service could have handled this better by merely telling me to wait 3 days for the wire transfer to be shown on their computers. Bank of America does not communicate via email at all; they prefer to talk with you on the phone, probably fearing anything they may put in writing. There was no financial damage, just a mad scramble of phone calls to document the funds were transferred properly.

I know for a fact that there are others in my county that have already done their 3-month trials and received their modification packages. One person got a 3% interest rate with the past due amount forgiven; the other got a 4% interest rate with the loan extended to 40 years and had all the past due put at the end of the loan. I don't understand why others can get results, but they just keep putting me off! Evidently, I'm not making enough noise.

they keep giving me excuse after excuse that they are waiting for a person to be designated to my claim, well 3 weeks ago I received this letter from them they the person on the letter if I were to call her would have all the info I need about my case, well for 3 weeks now I have called diligently each day leaving message after message and she has not tried to contact me once.

I have reported them to the OCC, my congresswoman, my senator, my governor, and it only seems that my congresswoman is the only person to reply to my emails or calls, so what does that tell you, our government does not either care or have any answers, or cannot be bothered to help us in need. Meanwhile I am closer to losing my house that I worked so hard for and to keep. But what the hack do the politicians or government or even the banks really care, think not, banks just want their bonuses, which the government keeps letting them have. Very upset tax payer. Hardship with husband, stress, headaches, unable to sleep, cannot afford to buy enough food, worried about mortgage payment etc.

Promises, promises because that never happens and when you call for an updated, after having been on the phone for over an hour, and I'm being generous, they find nothing in the system and the process starts over again. Apparently, there is an internal problem that is not a priority within the payoff department and no urgency to be rectified. Question is what are you doing about this problem and when can everyone expect some resolution? I don't need to have an attorney contact me as we have a residential attorney here at Atlantic Coast Title Company. I would like a response asap.

After speaking with a man in the Hope Team, he advised that the Modification was to be effective on 11/1/09 and that the September and October 2009 payments were included in the modification and not to make them since it would change the modification calculations. I was to start making payments in the amount of $2269.03 effective 11/1/09. I have made the 11/1/09, 12/1/09 and 1/1/10 and 2/1/10 payments. Appears that because the system changes have not been made all of the payments were put in suspense. They were posted as a regular pre-modification payment for September and October. I do not see that the February payment has been posted yet.

I did get another modification agreement via FedEx in late September from your regular Home Retention Team. When I called in about it, I was told to disregard since I had already accepted the Hope for Homeowner Modification. I told them that the Hope for Homeowners Modification had better terms anyways. I have been receiving collection calls for the last 5 months. When I explained that I have already been approved for a modification, I was told "Oh yes, I see that, looks like we are waiting to make the payment changes. I will document the account."

Today I got a collection call and the lady told me that there is no active workout on my loan, that the modification was canceled because I rejected it. I told her to look again since I am waiting for system changes on the Hope for Homeowners Modification. She said she could not see anything on it, that I was $11K delinquent, and if I wanted the HUD number. I was told that she does see where I called in and asked for the system to be fixed, the issue was escalated to management on 1/28/10, 2/12/10 and most recently 2/18/10. I was told to keep calling back because there is no assurance this will get looked at.

I understand that the volume of modifications must be great but I do not understand not coding the system to get the system changes done, stop collection calls and stop derogatory credit reporting. Please note that I have been notified by the Credit Bureaus that Bank of America has submitted derogatory reporting since September 2009. I understand by the Hope Now Team that this will be corrected and all derogatory reporting will be eliminated from my profile. This is impeding my ability to get any credit. I recently had a car accident which totaled my car and cannot buy a new one because of the derogatory credit on file.

I have been sending letters since October with absolutely no response. I need this corrected immediately. I need a call back confirmation the above and when the changes will be completed. I am unable to get credit due to the derogatory reported by BofA. I was never once late with a payment prior to this process. I am stressed and physically sick because of it. I work in the industry and I am concerned that anyone will find out I am delinquent on my mortgage when I am not. Thank you for all of your assistance in this matter.

I am now getting the runaround about when the error will be corrected. In the mean time, I was charged $400 to "lock in a rate" back in December, one that obviously has never come in to play. I am now being told that the "title dept and reconveyance dept" has no way to contact them by phone so my loan officer can only email them. I find that outrageous! I have also been told, "Well, we will get your closing costs reduced, but again, not sure when we are even going to be able to close your loan due to this error." I have been told that I cannot even sell my home if I want since it shows three liens instead of two. This is very upsetting. It has gotten to the point that my emails are not even answered.

I have tried numerous times to contact them. However, I have been unsuccessful. I have also emailed Ms. ** at the email address provided on the letter- she has told me that she will get back with me later. Also, I have been trying to call her, left messages also but no response. Now, it's almost 9 months and still do not get any response from her or the Lender.

Finally, I just got hold of her on 2/19/10 and she told me that I will have to restart all over again. I need help. I have been laid off since 11/23/08. If there is no more extension for UCB. I don't know how I will survive. I have taken all steps to prevent foreclosure but I have not received any help from OBAMAs plan. Please help me in my situation.

As a sole income provider, my home is very important to me. I'd been keeping abreast of the mortgage modification programs, and sought the consideration of Bank of America beginning on the first quarter of 2009. In April, I was told by a Bank of America mortgage specialist that the only way to be considered was to intentionally default my payment. ("You will have to miss making your payment for us to even look at your accounts.") I told her I was not comfortable defaulting on my payments, in that, all the sacrifices I've made all these years has been to keep my credit in good standing.

Finally, in September, a consultant at Syracuse University was in Charlotte conducting an "on the ground" study of the impact of the mortgage industry. I was encouraged to contact her, and after discussing my dilemma, she told me modification rules have changed to include income changes. A mortgage payment should not be more than 30% of the individual’s monthly income. Like the persons in the Ohio Class Action Suit, I once again contacted Bank of America Mortgage and having access to all my financial accounts (checking, savings, credit cards, mortgage, home equity and small business), they could see my household income had been significantly impacted and stated I would qualify for the modification and they gave me a reduced interest rate and bottom line monthly rate that was supposed to take effect immediately, upon receipt of the remittance coupons for a three-month period while I awaited the application. Upon signature and submission of financials, it was to be officially processed.

Weeks went by and I did not receive the paperwork. After numerous calls and being on the phone for hours at a time, I went on to conduct other business. Finally, two months later, I received a call from FedEx saying they need my address to deliver a document. Bank of America had placed the "wrong" property address on the package. I received the mortgage modification papers, but this "huge" error was major significance. Bank of America issued this 1 inch application with my name, social security assigned to someone else's address (which was approximately 1/2 mile from my house).

I contacted the mortgage department once again to tell them about the error and that I was reluctant to sign this paperwork, in that my name is associated with someone else's property. They promised to resend the corrected paper work (in November), and I've yet to receive the paperwork. The reduced interest rate would have benefited me approximately $170 per month savings, and still no follow up. After four attempts to contact them, being on hold on a perpetual call-wait system, I'd systematically be disconnected. Hence, I continued to pay on my current 15 yr- Conventional mortgage at the original rate, and in fact, I am presently paid up a month in advance.

While conducting some online banking today, I noticed my two Bank of America credit card limits had been reduced dramatically from $8,000 and $23,000 to $500.00. I was in shock. When calling the credit card company, the credit underwriter told me the reason my credit limit has been reduced was because the mortgage company reported that they have written off a portion of my mortgage because I had enrolled in the Making Homes Affordable program. Just a month ago, I checked my credit score and history and had a 799 credit score, with no adverse activity. The underwriter noted that my credit score is now significantly lower, and as a result, so was my credit limit.

I have been a 20-year customer of Bank of America, holding all of my business accounts. How dare they foul up my paper work, place my name on someone's property, and report me for refusal to pay on this property and worse, and charge off for a reduced mortgage that I never actually received benefit from, especially when they have no signature of mine reflecting any acceptance of financial terms.

Failure to disclose full terms: Bank of America does not tell its customers that if they apply for the Making Homes Affordable program, it will require them to report to credit bureaus the mortgage reduction as a charge off. I have worked 25 years to keep my good credit standing. Not once have I ever "bounced" a check, or been late with a mortgage or credit card payment with Bank of America. Not once. How dare they haphazardly, place my data on someone else's property, not follow up with me, and ruin my good credit which has earned me preferred interest rates, etc., and that I've worked hard to maintain all my adult life.

I need a lawyer to take on a class action suit. It's being done in Cincinnati and needs to be done in North Carolina. Please Help! Additionally, I noticed that although my principal has been reduced annually, and I'm on a fixed rate, the mortgage interest total increase in 2009 over 2008. According to the first two months of 2010, if something isn't resolved, the annual interest paid will be higher than 2008 or 2009 even though the principal amount has been decreased.

Ms. ** failed to contact me and 2009 gave way to 2010. I contacted Sylvia **'s boss, Kevin **, who assured me he would look into the matter within 24 hours and respond. Two days passed with no response. I spoke with Jesse ** (originator) and was assured he would check into the matter. Two days after that, I received an email from Mr. ** who apologized for the poor performance of processor Sylvia ** and promised that I would receive a $500 lender credit (whatever that is) at closing. I next heard from Ms. ** that since the "Seasoning Period" had lapsed, I would have to resubmit W2s, pay stubs, proof of employment, etc. I complied and was scheduled to close the loan on Feb. 20, 2010 at my home. I reiterated that at closing, if the documentation was not correct and did not include the points, lender credit, written appraisal copy for me to keep that I paid $425 to receive, I would not negotiate any further.

A notary public appeared at my home as promised on Feb. 20 at 10:00AM. He stated he could not discuss the loan, only witness the signature on the paper provided by BoA. I did not see the negative points, the lender credit or the appraisal. I did see that BoA assessed in a fee of $8,259.60 for hazard insurance. He repeatedly told me that the "Notice of Right to Cancel" was my best choice to resolve the problem. As this occurred on Saturday, I will be faxing and mailing this document to BoA on Monday, Feb. 22, 2010. I intend to recover all monies invested in this futile effort.

I then resent all the requested information to them again on 11/17/09 and spoke to a supervisor who informed me that everything was received and that from the review of them I had met the qualifications that the plan merited. I was first told that the process could take up to 45 days which it did not. Then after following up to question why didn't I get into the plan yet, I was told that my information was reviewed and the process had begun but it could take more time due to the high volume of people they were servicing who had the same request. They then said it would take between 60 to 90 days.

However in the interim, I was calling them to check on the status and was told everything was going well and that they still had my information and that I would be hearing from them within the 90 day time frame. I informed Bank of America I could not afford to keep making the mortgage payments with the high interest rates I had paid in the past before my wife and daughter passed away and that I needed to be in the plan asap.

On 2/19/10, I received a letter from Bank of America stating the due to it being past 90 day that I needed to resubmit all my information again to be considered to enroll in the making Home Affordable Plan. I called Bank of America and was told I had to resend everything again and that I would have to start all over again which could take up to 90 days or longer because the documents the needed had expired.

I told them I was told on several occasions by their representatives that my information had been received and were being reviewed so why would I have to start the process all over again. I told them I could not afford to continue paying the high rates that I had been in the past. I believe that they do not want to really help and they are trying to frustrate me to give up so that they can continue to get the highest amount of money from me as possible. I cannot afford to pay the high mortgage they are charging me and it will eventually lead me to go into foreclosure.

So I called Countrywide and told them that I was not making a large income and I was running one month behind on my mortgage. They referred me to the Home Retention Program. At that time, my mortgage was $985.00. On that program, they increased my mortgage payment to $1,275.77 and told me I had to pay it for 7 months without being late. I did it.

Now, I got my credit score up paid all my bills and I have been on time with my mortgage payments with 1 late in a year. That’s what Bank of America told me I needed to do in order to refinance my loan for a lower interest rate. I spoke to a loan officer Christine Y. and she told me also that’s what I need. They processed the paperwork and I sent in the needed documents that they asked for.

A week later, the underwriter called and said that she denied me because of my credit report for the year 2008 on my mortgage which was late too many times. I explained to her that I was on a repayment plan through her and they reported me late every month until the program was finished. She said that if I gave her proof, she would reconsider. I gave her proof with a letter showing that I satisfied the requirements. She need a repayment agreement terms, I said that they only sent statements every month and I paid. She said that was not good enough. So I called Bank of America Home Retention Department to get a copy. They said that they could not reproduce these documents even though it was in the system. They referred me to Customer service. Customer service said that they had no way of faxing or emailing and even if they could, they could not do it because of customer protection.

I called the loan officer and asked her to call them to confirm I was on the program and the agreement. She didn't. I emailed the underwriter explaining all of this to her and she said even if it was confirmed verbally she could not accept it. All of this is with the same bank. All of them seem to operate on a different system and no one helps the order.

Needless to say, I am still stuck with the 10.125 interest rate, which is on an Arm payment. The loan officer said that it was not her job to help with this and the underwriter was very rude and not a very nice person. I have emails copies of all of the conversations.

We started paying that and a couple of months later, we were told that we had to pay $617 per month. We've asked them how they think we could possibly pay almost $200 per month more when we were struggling with $456 per month. All they can say is that there is nothing they can do. Currently, we are a month behind and the late fees are building up. This company is pretending to work under a stimulus plan. I really want to refinance with someone else but they have made our credit so bad that I don't think we can. Please go forward with a class action against this company. They really need to pay for what they have put people through.