Bank of America Mortgage Reviews

So I called them to make a deal to pay extra on my mortgage monthly to pay the late fee's which I have been doing for almost a year. And guess what, they took my whole April Mortgage and applied it to the late fees and I just got a letter about it last week. So now I am almost behind 2 months. I can't believe that no one can help us. This company has been screwing us for two years and no one can or will help us! Every time I see the light they do something to us. This is not fair! My original mortgage was with Countrywide. I would like to thank them for selling us to the worst company in the world!

I'm writing to advise you of the nightmare that many Americans are experiencing with the Home Modification Process in the hope that you can help us. I am sure that some of the contents of this letter will sound familiar to you. Sadly, I am one of the millions going through this tedious scenario and I hope that in reaching out to you, I may find some assistance with the mire of paperwork involved with the HAMP program.

My current loan modification is with Bank of America and statistics show that of all of the banks within that industry, BOA has the highest failure rate of obtainment where HAMP loans are concerned. I could consider myself lucky as I am on that who has successfully entered into a permanent Mod but that is not the case. I am very frustrated with the process and frightened that my home will be taken from me because the process is a failure.

A bit about me, if you will allow me the indulgence: I live in a modest home in Morris County and have worked hard at my job and to that end, I have been an employee with the same company for nearly 26 years. Post divorce, with the loss of my husband's income, I took a proactive position and contacted a mortgage company in Flanders, NJ to refinance my home. My credit at the time was very good and I entered into that refinancing happy to save some money to allow myself to keep my home. With the housing market performing so poorly, the sale of my home became nearly impossible and each year, I've watched my real estate taxes sky rocket. In 2002, they were under $3,200.00. Today, they are almost $8,200.00. When the Home Modification Program became available, I went to my line holder, Bank of America which is formerly Countrywide, to discuss with them the concerns. I was having post-divorce and mentioned that I was afraid that I might encounter difficulties meeting the payments of nearly $1,800.00 per month.

In the latter part of 2009, BOA suggested I try the Home Modification Program and in good faith, I discussed the plan with them. I was told that my monthly payments would be under $1,250.00 and they explained that I would be put on a 3-month trial basis. If I could make my payments on time in that three-month period, I would be approved for permanent modification and my payments would be static for several years to assist me so that I could stay in my home without the fear of foreclosure. My trial period began in the winter of 2009 and somehow, my paperwork was lost but I was approved for modification in the winter of 2010, after the 3-month period and that is where my problems began.

Over the course of several months, I encountered so many issues with inconsistent information. I sent and resent the same documents to them over and over during the modification process. I faxed, emailed, called and refaxed the same documents over and over and somehow they were always lost. In April 2010, I called BOA for a status on my HAMP and I was told that I'd been approved and that I should begin making the payments of $1,559.00. Please note that this was almost $300.00 more than what was originally projected and only $200.00 less than I was originally paying pre-modification. I thought I was good to go.

However, after Countrywide and BOA merged, I was told that I had to undergo the entire process again because my paperwork needed fresh signatures. I believe that the truth of the matter lies within the fact that BOA was one of the banks that was accused of improper paperwork submission. Please see enclosure. No matter what, I completed all the paperwork again and again, it was lost. I sent in another notarized copy and all the while, BOA was reporting me as delinquent on my loan. I was not delinquent nor did I send them short payments but somehow, the Customer Service Division never could understand that my payments had been modified and they kept telling me that I was sending in partial payments? Today, after being in modification for almost 18 months, BOA still cannot seem to get their own house in order. They harass me daily with up to 10 calls a day. They send me canned letters, all of them threatening foreclosure if I don't stay current on my loan. I am current on my loan. I am in permanent modification but getting them to acknowledge it and update my records to correctly reflect my history is downright impossible.

I am enclosing email copies of correspondences that have been going back and forth between myself and workers who are in the modification division of BOA. And now, after a glimmer of hope that someone there cares, my latest attempts to get an answer are going unnoticed. I'm writing this letter because I know without doubt that there are thousands of people like me who are battling BOA and getting nowhere. As elected officials, I felt I needed to make you aware that this is a very serious problem plaguing me and many other hard working Americans. There is a tremendous flaw in the modification program. I know banks would prefer to foreclose because the recoup more from a foreclosure than a short sale. They also prefer not to enter into HAMP agreements and in my personal opinion, it is the reason why so many loans are not approved. They have to enter into some of the HAMP agreements because not doing so would give the appearance that they are not willing to help their borrowers. But I believe that they entered those agreements like mine, because of pressure from the government to do the right thing, not because they care.

As far as BOA is concerned, they have not stopped processing foreclosures. They run hand in hand with modification programs. I don't think the modifications work as they were designed to. I think they are a band aid applied to the gaping wound in a stressed real estate crash. BOA has no desire to help us because it isn't personal after all, it's only business. There are so many boards on the internet, full of stories of individuals who like me, met the three-month trial modified payment plan only to be foreclosed upon anyway in the long run. I fear that is where I am headed.

I would also like to discuss the John **** vs. Bank of America Lawsuit. Since his story is similar to mine and millions of others, I would ask that you monitor the suit. I understand that he has engaged the services of 25 law firms to bring the suit to BOA which should be happening fairly soon. I wonder if you know anything about what could be one of the largest lawsuits waged against BOA for defrauding homeowners. One senator in particular, Senator John ****, has gone on record to support the victimized homeowners on the **** site and the John **** vs. Bank of America Lawsuit. I would like to know for the record which side you stand on.

In closing, I have been afforded numerous apologies by BOA for the failures I have encountered throughout my modification with them but I'm not looking for an apology. I want one person to be as accountable in my dealings as I have been with them. A single individual who can straighten out my loan issues who I can speak to and know by name vs. calling their useless customer service center, who would go a long way toward helping me. I am no deadbeat. I pay my loan and all of my outstanding bills in good faith but because of this nightmare, I can't even get a loan to help myself because BOA has ruined my credit with their inaccurate reporting to Experian and the other two big credit reporting bureaus.

There are numerous lawsuits pending regarding HAMP and BOA. I've submitted complaints to the OCC which is enclosed and I have no doubt that the investigations from the Attorney Generals from AZ and NV coupled with complaints like mine, will most likely continue to grow across the other states. As you have served honorably for a number of years in the senate, I trust that you will do the right thing and stand up for honest hard working homeowners. Thank you for your time. I appreciate any help you can provide. Sincerely, Paticia.

I made full payments (and additional money) monthly, through June '10 when I was attempting to buy a car. I was turned down because BOA had me listed as not paying payments since October '08. Since that time, I had to research to find that Abdul **** never turned in the paperwork, so the $40 to $200. HSA monthly payments, in addition to my regular payments went into escrow, while my loan built penalty fees and interest charges. On June 22, they applied the money to the account (post dating the payments for 6/7/10). It brought me to owing BOA over $10,500. Late July, I found I had to reapply for the modification and had been denied twice. I received notice that my house is in foreclosure unless I come up with the $13,500 +.

I have all my paperwork from March '09 through April '11 and can get phone records from countless calls to BOA since June '10. I agree that initially, in late '08 I had fallen behind, however, CW and I agreed on a HSA which I had been paying back for over a year. I have exhausted all of my income and resources so I am turning to you for help. My home means a great deal to me and am willing to do whatever I can to avoid losing it through foreclosure. I am anxious to settle this matter and would appreciate very much receiving a prompt response.

The important fact is that in February 2009 I qualified for, was offered, and accepted the HAS loan through Fannie Mae. I started making my payments in May '09. Bank of America took over Country Wide and made an error when they took over. They have failed to fix the error and are making me responsible for their error. My only hope is that you will recognize the need to fix this mistake and bring my payments back down to the reasonable rate they were before BofA made the error they refuse to fix. It was their responsibility to take over all the loan, not just bits and pieces of a loan. My loan had 2 pieces. The original loan and the HSA loan through Fannie Mae. I truly hope that you will consider working with me and I am anxious to get this settled so I can move forward.

On May 5, at B of A's request, my realtor uploaded all the necessary documents to B of A's Equator website, including my hardship letter. On May 11, they rejected our offer. They stated it is because my property address is legally listed as **, which is on my B of A account. However, the property is also listed in the City of Oakland as **. Both street numbers are for the same property. My realtor just sent them an addendum to the contract showing that it was the same address. B of A then rejected it again, telling my realtor that they are now selling my loan to a new servicer. They stated that this relieves them of the responsibility of processing my short sale.

This is very, very suspicious. First, B of A rejected it because of the address. Now, they are selling the loan off. They have been my 2nd lienholder for 2 years and I have never received any communication about selling my loan until the very moment when I am asking them for their approval on this short sale.

Another three months and again, the same problem, which is I was in default and needed to take action. I called again and they told me that they were in the process of entering and to call in ten days to see if they had entered it to the system. A couple of weeks later, when I called, they told me that I needed to apply again and that there was something missing and they could not tell what. So, I applied again, only to find out that I did not qualify for modification. Can they approve the modification first, and then turn around and say no? When they modify my loan, they only lowered my payment for $60.00 dls.

I have been trying to get through to them to set the meeting up for two days now, each time getting a recorded message that they are unavailable and to leave info and phone number and they would call back, which they haven't. I called Jenny back to make sure I had correct phone number and told her about not being able to get through to a person. She verified the number I had to be correct and said she would try to get through and call me back.

A while later, I received a call from Jenny telling me she was able to get through and she was told that the phones were set to messaging because they were so busy. They told her they would put phones back online and for me to try again. I tried again twice more, but was still sent to automatic messaging recording. In all I have called 6 times between yesterday and this morning, each time having call sent directly to voice messaging and no one from Loan Modification Dept. calling back to set up meeting so I can begin process of Loan Modification with Bank of America.

I have called and left a voice message on Jenny's phone this morning telling her I need to find another way to contact these people as they are not returning my calls and every time I try to call the number she gave me, I am immediately put to a voice messaging system that asks for my name, phone number and loan number and tells me someone will be in contact with me, which hasn't happened for 2 days now.

They stated that I would have to be transferred to the home retention department, then to customer service department and then to the special handling department. This month, B of A sent me a letter stating that my mortgage had not been received for last month of April 2011. They showed the payments on the bill for May 2011. I still have not gotten the situation with the due fees resolved. I am so tired of going from transfer to transfer and no one knows what is going on. I have even went into the banking center and they call into the same call center I have gone through.

Now I know why Bank of America continues to have terrible service and internal issues. If the CEO's office is satisfied with that type of service, you cannot not expect anymore for the staff. If the government really wants to stop the foreclosures, something is going to have to be done to make Bank of America efficiently process their short sales because the CEO office does not care about their poor performance.

However, he said, “ Hey, I could begin another brand new trial modification with Making Homes Affordable, and you can pay a trial payment of $1,160.00 instead of the $820 payments that had been agreed to in mediation." It was $340 more per month than my previous trial payments. So, let me get this straight. I have to make more money to pay less, but if I make less money, I have to pay more. The home retention program is based on your net income, but the MHA program is based on your gross income. A third grader could figure out that this doesn't make any sense. It is a huge scam. We, the taxpayers, have given the banks the capital and authority they needed to take advantage of the economic crisis they created.

I have been led around like a dog on a leash by this bank. I have faxed them close to one-thousand documents over the past one and a half years, and duplicates over and over because they claim they don't have them, or they need to be updated. They are either incompetent or criminal. They are not helping customers with modifications. Just look online at the modification nightmares. The number of complaints and the similarities in their experiences speak for themselves.

For more than one year now I have lived in day-to-day fear of losing my home. My family has suffered tremendously from the stress of not knowing where we will live or what we will do if BofA just decides not to work with us. It's like waiting for a pardon on death row. It is madness. There is no logical explanation for their decisions. There is no communication from them. I know they string everyone along for some sort of financial gain. Whether it be fees or a better deal for them with foreclosure, BofA is involved in a modification scam. I believe it will rival their original mortgage scam that brought this country to its knees.

When my husband got back home we looked at our online statement only to find that Bank Of America had taken 2 payments on the check number we gave them, when they were only authorized to take one payment plus the check for phone fee. And then, we noticed that the next check number following the one that we gave them was also showing up on our statement. They used the succeeding check number that we have never given to them or authorized to be used by them by take the $20.00 fee instead of adding it into the first check. We called BAC and they admitted their mistake, but, they need to hear from the executor of the estate in order to refund the money because we were not authorized to do anything with the loan. (This kind of confused me because we were authorized enough to make a payment, but not authorized enough to get our money back that they over charged us. )

So, my son came to our house and we called them again. They have given me a number and an extension number to be able to talk directly to this supervisor so that when my son called them they could immediately refund us our money. When my son called, they told him that they need to talk to Caroline. (Caroline is my mother who has been deceased since 2007) They said that they had no death certificate or any papers for executor. However, they sent the payments in the name of "Estate of Caroline **". They told him that they could not talk to him, that now he was not authorized. He inquired who they need to talk to now, and they said Caroline **.

I turned around and called them back again. I finally was able to get through to the department that I had contacted earlier where I had talked to the supervisor, who said that he would be there until 7:00pm Arizona time or 10:00pm EST. But I was told that the supervisor that I had talked to earlier had left for the day. The operator that I had talked to then told me the same thing that they had just told my son, and it was that there was no death certificate or any paperwork for executor. I asked them then how is it if they had no paperwork on her death, then why are they sending the bills in the name of her estate? The guy said to let him take a closer look at the account, he then gets back on the phone and tells me that he found the death certificate but, still no legal paperwork. This paperwork was sent in at the same time.

They defrauded our checking account, and they have no intention in putting this money back into our account. Also, I believe that with all the money that has been sent in for payments, that the amount of money still owed on this home does not ever seem to drop. even though there is only a little more than 4 years left on this mortgage.

In February, we again showed as past due and that was when I realized there was an escrow on the account, which we had never had with Wiltshire. More research showed that they had placed "lender financed homeowners insurance". I immediately called and was told where to fax our homeowners insurance. Now mind you, this is February 2011. I had our insurance company fax the information and figured that was that. March came and again, we were past due. I again called and this time, I was told that there was a "lapse in coverage in July 2010". Seriously? And no one told us? You waited until January to put an escrow in place? So I contacted our homeowners insurance, who stated that there was a lapse (I had no idea. Good thing our house didn't burn down).

BoA stated that we needed to send them $141.98 for the coverage they provided (15 days worth) in order to bring the account current. We could argue and fight, but figured that, fine. So I sent the $141.98 with the statement from BoA that says why we are sending and for what. So for the past month, I have been getting six phone calls a day from BoA. Then on Tuesday, we got a check in the mail for $212.50. A refund for escrow that we never had and our payment still shows past due! Today, I talked to Ed. He claims that they applied my $141.98 that was for insurance to late charges! Late charges they caused! Unfortunately, poor Ed got the brunt of my wrath and he finally said he got it straight but they have sent us a check for $1100; the amount of the payment we sent in April because it was "less than agreed". Are you kidding me?

So, we have to wait for the $1100 check to arrive and then we send that and the $212.50 back to BoA where Ed has applied the $141.98 as a payment. Then he said, "but it needs to be back by the 1st to avoid lateness being reported to credit bureaus". In reading these posts, it appears that as of January 2011, BoA has suddenly taken to adding escrows whenever they choose. We are taking steps to pay our mortgage early because we no longer want to deal with these **!

Now, my work phone has been getting the same calls (finding this out on caller ID) and nobody is there. When I called back, I got an electronic voice asking for my ID, SS#, etc. There is never a live person on the other line. My company is getting upset with me since they are tying up our business phone lines with this harassment phone call. The calls are from 5 to 15 times a day to my office.

I need this stopped before I get fired. If that does happen, I will seek an attorney. I need help.

So that evening on the phone I began the process of applying for a loan modification. I was assured that my loan modification application would be expedited given my circumstances. Well it wasn't. Maybe 6 months later I heard from BAC regarding my modification application. I sent them the requested documents and again waited for a response. The only response I got was that I had "missing" documents that I needed to send. This happened two additional times. After sending the documents for a third time, I then contacted BAC to see if my application was complete and was told yes. About a month later I received a letter from BAC stating that my application was incomplete therefore I could not be considered for a modification. I forgot to mention that when they returned my original loan modification to me they did not return my check that was part of the contact! A month after that letter stating my application was incomplete I received a letter telling me that they could not approve my application for modification.

So, first my packet was incomplete, now my packet is complete and I was not approved, after having been approved in 2009. Currently I am in foreclosure and have hired an attorney to fight BAC to reinstate my initial loan modification. BAC's lawyers have already sent one letter basically trying to bully me into not fighting the foreclosure. I will fight this to the end. I accept full responsibility for my delinquency, but I signed an agreement to solve the delinquency. But BAC is playing games, as usual. When will this end with BAC? Economically I have had to hire an attorney to fight my case costing me $4000 so far.

They hardly ever returned calls, told me on several occasions that an email had been sent, but it turns out once it was still on draft and was never sent to me. Finally on March 16, 2011, Vince ** called to say that he needed some more information from my bank. I told him that I had faxed the documents over a couple weeks ago to Judy **, then he told me they needed original documents, yet nobody bothered to tell me this. Vince then proceeded to tell me not to worry as he would contact the bank directly to get the documents needed and that I could expect to close by the end of March.

On March 31, 2011 I called Vince ** only to find out that he was out of the office for days. I was furious as I had heard nothing once again from anybody. I asked to speak to a manager twice and was told that it would not do any good. That really infuriated me. I finally get put through to Vince's loan partner to be informed that they closed my loan. I was so angry. I tried again to speak to a manager. The customer service department gave me the number for Feolmon **. I left a message. A week later he called me back, although he apologized saying that the only solution he could offer was for me to go to a local branch, or to submit another loan through them.

It is clear that Bank of America does not care about its customer. I am also so worried about my personal information and the fact that I was gravely inconvenienced for months waiting for a loan that apparently was never going to happen. I am diligently seeking another loan company. I am angry at the manner in which my loan was handled; afraid that identity theft could result from this horrible experience, and I do not trust this bank at all to handle my finances in any way. I also think something should be done about a Bank who has this much business and is not doing it legitimately. Thank You.

In 2010, I paid our taxes and HO insurance as we have for years because we never had an escrow. In January (three years after we started the modification process), we received a statement from BOA that indicated the increase in our payments due to an escrow shortage with our mortgage payments and so our payments were going from $2197 to $3777. I have talked to about 20 people since then and no one could give me a straight answer. They were telling me my loan was in underwriting. I said should I just cancel the request to modify, they said no, it should be very soon. So I stayed on board in hopes that we might get a little help if nothing else. I worked constantly trying to get someone to help us. I found out from one of the loan modification personnel that I was declined for the modification in January, but did not receive notice until March.

That the Real Estate Taxes they paid for $4,200 were refunded to them on December 23, 2010 and we figured out that BOA was still including those monies in this escrow they started in 2011. We also found out through one of their team members who casually said, "Well I see you were declined in January" they knew I wasn't going to get the modification in January but they went ahead with the escrow and were charging us for the escrow they paid in 2010 (but was returned to them in December), and in addition, they were charging for what our normal escrow would be every month moving forward. So taxes and insurance would be around $520 a month, so they doubled that for the money they paid out in 2010 and charged us again for future escrow payments.

On top of that, because the mortgage payments they expected us to pay were $3777, I advised them we could not pay that amount. We were still paying our regular payment which they were accepting, but when I made my next month's payment, they took a portion of that payment to cover the difference for the $3777 payment so they are now saying all of our payments are late and have put us on notice of being in default on our loan. I attempted to get in touch with Matt in the escrow department who was helping sort out the escrow mess caused by BOA and now every time I call they will not put me through to him to help me finally resolve these issues.

I made seven phone calls on Thursday, 4/14/11, which is when I told Matt I would call him back because I needed to speak to my husband and no one would put me through to the extension I had reached him at before. Plus I got dropped about another four times from transfers other employees did. The letter said I needed to respond by April 18, 2011, so today I am searching for a lawyer to help us.

We did not ask for this, all we did was fill out paperwork for a modification that they offered to us, which we did not request. I want to know why we were not notified that they refunded the money they put out for our real estate taxes and continued to charge us for that payment in our escrow and why our mortgage was not adjusted to reflect the refund. I believe there is a level of fraudulent activities on behalf of Bank of America and from what I see in your list of complaints, I am not the only one. Can't someone do something to stop them from these practices so this doesn't happen to anyone else? Who can we call at Bank of America? To find a complaint line or hotline is impossible in that website and no one in the offices seems to want to help. Does Bank of America have that much money that they can afford to close on hardworking homeowners who have been diligent in paying their mortgage for years, paying their own insurance and taxes for years, and now are attempting to take away what you have worked so hard your whole life for?

As a result, they sent me a letter which was received early in January that my payment was not received. As soon as I got the letter, I ran to my computer and researched frantically to see if they were right. The funds had not gone out of my account. I made a payment immediately. I also called and asked why no one contacted me. No one could answer and said it was not usual. As a result, they reported to the credit bureau my late payment and my credit is now ruined, credit cards rates went through the roof, etc.

The last correspondence I received said "Bank of America provides collection calls as a courtesy to our customers, and are not guaranteed. " **. I let them have it again. They suck to say the least. Keep an eye on them. They have a bad reputation with mortgage procedures. Again, never had a problem with anyone else.

The claim involved a procedure that can be coded two different ways by different insurance companies. It was the same procedure, using the same dental materials, taking the same amount of time but used a different code. The insurance company accused him of fraud because he had resubmitted the claim under a different code and was paid $48.00. The employee made a mistake when she wrote in the date, but wrote over the date to correct her mistake. The insurance person, who filed the claim, again mistook the date and recorded it. This made it look like the claim was sent in on a different date in order to get paid on it. It was merely a clerical mistake. The insurance company notified the state of Iowa Insurance Bureau of Fraud and they notified the Iowa Dental Board.

My husband was unable to get the Iowa Board to understand what happened and in the meantime, the board's investigator told the three new employees to report anything they thought was wrong in the office. They made up a checklist of procedures and wrote down things they could think of to demonize my husband's dental work. The complaints they made were never proven as no patient was ever checked physically or asked any questions concerning their dental work or procedures. It was all merely hearsay on the employees' part. It was all fabricated and exaggerated. It is not known why the employees did this, except that they were all three planning to quit soon. My husband found a constitutional paralegal to help him and he wrote letters to the board attorney and the investigator and the board's investigator.

The letters explained how my husband's rights had been violated and that he planned to fight them in the court system. The board sent my husband a letter stating that they felt threatened by the letters and that he must be out of his mind. So the board added mental condition to the complaints against him. My husband had a hearing in April of 2007 of which I attended. This hearing was a completely one-sided affair. My husband tried to explain the insurance boggle and that he did not write the letters, but it fell on deaf ears. One month later, the board suspended my husband's dental license indefinitely and we had to close the office. We took the case through the court system, with the help of attorneys and pro se, but no good came out of those efforts. Everyone believes that the Dental Board is morally good because they have the high ground and no one listens to the one accused. After closing the office and dealing with legal issues, our family lived on our life savings.

My husband tried to figure out what else he could do to provide for the family, but nothing worked. Mainly because I believe of the defamation of his character. We sold the dental building for $22,000 and his equipment for $8,000. We then lived on that money to pay bills. We put our house up for sale in 2009. In fall of 2010, we had an offer on the house as a "short sale". It was for $11,000, less than what we owed. Bank of America refused to accept the offer. That family backed out of the deal. In February, we had another offer but was lower than the first. Bank of America refused the offer and we lost the buyer also. Bank of America refused to communicate with us or our real estate people. Now, they want to foreclose on our house. We have recently filed Chapter 13 Bankruptcy due to our financial hardship.

In October, we moved to Montana to buy a closed pizza restaurant. This turned out to be a scam as the person did not reveal that there were unpaid bills and a lien on the property. The restaurant is located in a mall, but the lien is on the equipment. We did open the place after paying some of his bills and getting the place up to Montana Code. We have not made a profit on this since we opened in December of 2010. We work 11 to 12 hours a day, six days a week. My husband, my older son, our younger son and myself run the place. We are able to pay the bills but we are unable to pay back any past credit card debt we incurred due to the unemployment, so we are taking the bankruptcy route. This is something we never, in our whole lives, thought would happen to us. It doesn't even seem real, it is a nightmare. This is why I am sending you this letter. I don't know where else to turn.

I called in October and was told it was still under review and it could take up to six months but I needed to continue to make my payments and call back every other week to check my status. I did from October until Jan 4, 2011 when I was told that my file had closed a week after I turned in my paperwork because they could not verify if I was living in the home. A current utility bill was submitted with all the documentation they requested and no one ever contacted to ask me if I occupied the home which is one of the questions they ask every time they call in.

I contacted the U.S. Treasury and filed a complaint against them. I got a phone call from someone named Abe in the President of Consumer Affairs Office regarding my complaint. I have the voicemail where he states that BOA messed up in closing my file. I also have it in writing. I had to resubmit all the information again. I was told in February that we did not qualify for a loan modification but there was another program that we were being considered for. I called today to check the status of my case being referred for the HAMP program only to be told that my file was closed but never referred and an email would be sent to the former negotiator’s supervisor. Again, they have dropped the ball and I have had enough.

With that said, BAC orders what they call "reinstatement figures" for us. They can never tell you exactly howmuch you owe over the telephone; they have to order the figures from whereever. It will take 7-10 days to get the figures, and they would prefer to fax them to you instead of mail them. We didn't have access to a fax machine, so they had no choice but to mail them.

Fifteen days later, we get the reinstatement figures, and it's for $9990! Our mortgage payments are only $859.19. If you add up $859.19 with a $42 late fee for 5 months, you don't get $9990! They had tacked on an outrageous amount in foreclosure fees, uncollected expenses (still to this day have no clue what the heck these are exactly), and foreclosure attorney fees. The figures were only good for 30 days and were ordered on 6/5/09. We had less than 2 weeks to come up with $9990 or lose our home to a foreclosure sale. Their foreclosure attorneys had already advertised our home under foreclosure in our local newspaper two times by this point. It was embarrassing! We had people pulling up in our driveway to look at the house. I had to explain to our children why this was happening.

I called BAC and immediately tried everything to work out some sort of payment arrangement with them. I was told that because of my loan type I didn't qualify for a repayment plan through our lender because the home was in foreclosure. They told me, however, that I could try to qualify for a loan modification.

Well, the gentleman took my financial information over the telephone, ran the figures up the flagpole, and came back and told me that yes, we did qualify for a loan modification. He stated we needed to send in a hardship letter, copies of our tax returns for 2 years, copies of all our bills, two months worth of bank statements, 2 weeks worth of both mine and my husbands pay stubs.

They got the documents faxed to them in 2 days. I called religiously after that to make sure they got the documents. Of course, after about 2 weeks of calling we were told they never got them. So I re-faxed them to BAC. This time they got them. I was instructed not to call for at least 30 days while they "processed" our paperwork.30 days turned into 60. I was told on one occasion that the foreclosure sale of my home had been "postponed", so at least that was good. 30 days turned into 60 days. I started calling in July 2009 to get an update.

Of course all their automated system tells you is not to call them, they'll call you. I proceeded in talking to an actual person anyway that might be able to see some sort of notes on the screen. I was told for the first two weeks of July that my loan modification was "pending". The last week of July we got a call from a BAC rep. We were told our loan modification was approved and to expect a Fedex package in the mail within 10 days.

We got the package on July 25, 2009. The so called "loan modification" kept us at our current interest rate of 7.5%, hiked our payments up from $859.19 to $938.00 and added another year to the back of our mortgage. Well, at this point it was either sign the doggone thing or be foreclosed on. We signed it, had it notarized, and had to put forth $877 worth of "good faith funds" to close the deal. The $877 was issued in a cashier' check and sent back to BAC in the same Fedex envelope as their crummy loan modification. We kept a copy of the loan modification for our records, and I'm glad we did. About a week after we Fedex'd the package back to them, I called in to make sure the document was received by them.

Lo and behold, I was told "no" that they didn't have it. However, a quick phone call to my bank revealed that the cashier's check had been cashed by BAC 3 days prior. They had the loan mod, they were just in no hurry to do anything with it. Another week later, I get a call from our workout negotiator, Tom W. and was told everything was a go, it would take them about 60 to 90 days to complete the mod and close on it.

I was instructed by this man to make my payments in accordance with the loan modification agreement, since we were indeed approved. Well, our first payment was to be Sept. 2009. Our mortgage statement shows up, and what do you know? Our property taxes are now being escrowed and it shows where we owe a past due amount of $9873.60 and an escrow deficiency of -$2633.35 and fees due totaling $332.43. Our monthly payment was not the agreed upon $938, but rather $1219.64! I called BAC and was told to just pay what was on the loan mod, since we had entered into that agreement with BAC. So, they got $938.

November I'm feeling generous, so they get $1000. Novembers' statement, same thing as October. Shows no payment has been made for the previous month.

We go like this all the way through Feb. 2010. I finally have had enough and my husband urges me to call BAC and get a straight answer. Ha, funny. I was told, again, to keep paying what was agreed upon with the loan mod, because it does show in the "system" that it has been approved, and is in the closing dept. However, our mortgage statement is showing we are further and further in the negative for our escrow and our past due amount is now totaling close to $14,000! We now owe over $1000 in "fees". I pay March's payment to the tune of $1000.00. Same thing for March's mortgage statement. Further in the hole and shows no payments have been posted to our account.

April 23, 2010 I get a call from a rep at BAC in their Workout Dept. She tells me that she needs to take updated financial information from me over the phone. So, I give her what my husband's now making an hour, what our bills are and what they total, our living expenses, etc. She tells me to go ahead and send in copies of all this, plus a new hardship letter, copies of our last 2 years tax returns, copies of our pay stubs, and proof of any other income we have! We were basically being asked for all new info to process a new loan mod. I told her if the workout negotiator needed all new information, they could write to me and request it that way. I was not going to send them anything upon just a telephone conversation. I wanted their request in writing. I never got a request, they never got the updated information.

I make our May and June 2010 payments in accordance with the loan mod agreement. Now our monthly payments are up to $1650 a month (normally they are $859.19 P&I, no escrow). July 2010 I call into BAC because my husband is freaking out about this, and I get told that they have "cancelled" our loan modification. No notes in the system as to why. Of course, I complain. I get told they will have to "escalate" the account to a supervisor, and to call back in 7-14 days for an answer to the problem.

Well, as everyone here is well aware, you don't get an answer from these people! You get the run around, which is exactly what I got for the better part of the next 5 months! My account was reviewed by the Advocacy Dept., the Closing dept., their Payment Research dept., their Home Retention dept (which is nothing more than a glorified name for their collections dept), countless supervisors (of which I have every single supervisor's name and extension written into very detailed phone logs I have kept since 6/2009), to no avail. Still couldn't come up with an answer.

Beginning in August we started sending in $1900 a month. They got $1900 for August, $1900 for Sept, $1800 for October, $2000 for November, $2000 for December, just to try to get caught up because they were showing where in July 2010 we were 16 payments behind! Come to find out the reason for that was these shysters were holding all of our payments into a "fees due" account and letting them just sit there, so by default we were late every month which means they collect more late fees from us. They did not post the escrow payments, they put that money into an "escrow" account. I demanded in Dec 2010 they post these payments. I got told that the reason the modification got cancelled is because BAC didn't show our first payment on that modification until Feb. 2010! Where did the payment of the $877 "good faith" funds go? Where did the payments for Sept. 2009 through Feb. 2010 go to? Sitting in a fees due account! Drawing interest that BAC gets to keep!

I convinced their payment research to post the payments, but it didn't do me any good as far as them honoring that loan modification. The lady also told me, in payment research, that there was a note on the screen, dated from 12/14/09, from their closing dept that says "error on loan modification documents homeowner sent in. Negotiator to send updated loan mod docs to homeowner. " Well, she couldn't find where the documents were ever sent out! They never left their building! Had that workout negotiator done his job, it would have saved me a lot of trouble and heartache and arguing with my husband!

To make matters worse, they started sending Notices of Intent to Accelerate in August 2010, wanting us to cough up $18,000 to save our home. They got $1800 of that, and they extended the notice of intent out another month. They accepted partial payment! We got Notices of Intent all the way up through December 2010. The one for Dec. 2010 had an expiration date of 1/20/11 on it.

January 2011 I made another $2000 payment. Jan 31, 2011 I call in, because I know we can't keep this game up, and we try to arrange payments to get caught up. I talked to Cathy in Advocacy Dept. (yes, Advocacy dept has had our file since August 2010 and didn't do ** with it) and she asks me the all important question "How much money do you have today, right now, to put forth in good faith? " I told her I had $800. She said they can work with that. She ran the figures up the flagpole and said that with $800 down, and $2653.00 a month for 6 months, we would be caught up. I proceeded to tell her this would kill us but we had to because we couldn't lose our home, so she took my checking account info over the phone. Well, she fumbled around with trying to get it to go through, huffed and puffed on the phone, let me know she was having "computer issues' and would have to contact me back to finalize the payment arrangements.

She took my phone number and said she'd call back. Well, I waited 7 hours for her to return a call. I call back to BAC, and get told that she put a note in the system that she did try to call and got no answer which is a ** because I sat there, all day, waiting for her to call back. I asked the guy on the phone if he could go ahead and set me up on the payments that Cathy had supposedly worked up. He told me he couldn't see the actual figures she had quoted me and since the note said she'd call back at a later time, he didn't want to potentially retake the information from me and me be double billed. Okay that was buyable.

I wait 3 days, and have to call them back! Nobody has called at any "later time". I ask to be connected to Cathy so she can finish what she supposedly started on 1/30/11. I get told they cannot do interdepartmental transfers, and that the rep will try to email Cathy to follow up. I get told to give Cathy 7-10 days. Okay, I'd had just about enough. I mailed in the $800 up front money on 2/4/11, and a week later a check for $2000 (2/14/11). This would have more than fulfilled any agreement to repay, right? Wrong !

Feb. 28, 2011, BAC begins foreclosure proceedings on my home, never tells me about it. IT doesn't send a letter stating so, doesn't call us and say so. I had to find out by calling in on 3/2/11 to ask where our mortgage statement for March was at. They are now wanting $10,000 to pull our house out of foreclosure, that they have added "foreclosure expenses" and "foreclosure attorney fees". They have started making harassing collection calls. We get anywhere from 3-8 collection calls per day, Monday to Sunday, all hours of the morning and evening. They don't care.

I have called and been in close contact with the foreclosure attorneys they say have my house for foreclosure, Sirote and Permutt. Sirote doesn't have the file nor have they had the file. They don't have our home up for foreclosure on their website, either. But yet we are being billed for "foreclosure attorney fees".

I have tried to contact BAC to rectify this situation,and keep getting told that we do not qualify for a repayment plan because our home is now in foreclosure. Our lender will not accept payment arrangements once foreclosure proceedings have begun. The rep also went on to tell me that we wouldn't qualify anyway because our credit was too "poor".

We have hired legal counsel against BAC, whatever "lender" we may have, and anyone else having direct ties to this blatant act of gross negligence. BAC is refusing to cooperate with attorneys we hired, because they say there is a problem with the signatures on our original loan documents versus what the attorneys have provided them. We got a letter today stating we haven't provided BAC with an authorization form giving our legal counsel the right to pursue the account.

I smell a rat on this one so I have been trying to go through the title company that performed our closing in May 2007 to obtain copies of our closing docs, as the copies we received at the closing are all blanks except for the dates that were handwritten in by someone other than my husband or myself. I have tried now for 3 days to get them to email me copies of our closing documents and I am getting the run around from them now. If I don't have an email by Friday, I will have no choice but to go down there in person and demand the file. I want to be able to compare, for myself, the signatures on my original closing documents versus what BAC "supposedly" has in their possession. If they differ, then I have a whole other kettle of fish to fry.

It's the constant run around, no matter what you do or the hoops you try to jump through to accommodate their every request. My husband and I have done nothing more than everything we were told to do by BAC, to our own detriment. However, they've got the wrong one if they think for 2 seconds that we are just gonna roll over and give up and let them take our home, a home my husband has worked tooth and nail to be able to own.

This is our dream and BAC will not get their hands on it. I will fight them to the end on this one. What they do to people is morally and ethically wrong. They have to be stopped and held accountable for every single act of negligence they perform, otherwise they'll just keep abusing people!

There is so much more to our story. I have left out much and spared the reader of having to keep up with at least 30 "escalations" to supervisors, the names/employee ID's of every rep I've spoken with since June 2009. The actual varying figures on the mortgage statement I have kept since June 2009. It should have never gotten this far.

They asked me to re-qualify or resend docs, or send "updated docs" which I always do immediately. This last time, I had to start the whole process over in Feb because they had misplaced my file. After I was approved (again) and spending 30 minutes on the phone giving financials, they told me they would send a modify packet. I had to call 4 times before I finally received it. I mailed it in. After not hearing from them for 2 weeks I called. They did not have my docs. They told me to fax it. I did. twice. I spoke to Evelyn and she assured me the docs were in and being reviewed. Since then I have checked in and spoken to numerous people who assured me I was under review. On 3/10 I called to check, Reginald said they needed updated docs before they could go forward! I immediately faxed the docs and called. Reginald assured me they were received. Today, I called to check on the status & they told me they had nothing & I had to re-qualify again, to start all over! It has been over a year!

I have left several messages with Judy, Crystal and other people to talk to them about what they need. No one called back. I am at my home everyday, I am disabled and do not go out. All I am getting are foreclosure letters. Last month, in the middle of the month, I called about my February payment because it had not cleared my bank yet. I was told they did not have it. Then the next day, it went through my account. Something does not sound right. Please, I just want to get this up-to-date. I can't lose my house. When I was with my other bank, I never had a problem. Can you please help me? Again, I have no trouble making my monthly payment. Thank you for your time in this matter.

These banks were given taxpayer monies for this process and they have taken it and ran. Is any gov. agency watching the hen house? I watched on CNN as this woman spokesman lied to the senate investigative panel that they were processing modifications within 60-90 days. I also watched as protesters were thrown out of the chamber. It seems as though the CEO was taken for her word, and the protesters were there to tell a lie. What is wrong with our elected officials?

I maintained paying my mortgage payments on time. I continued to call about the loan modification papers and was always transferred from one department to another. I was told over the phone that I could not get a modification being current with my mortgage. I remained current with my mortgage until September 2010. I filed a claim with BP for loss of income; more run around. Finally, during Thanksgiving week, I received a payment from BP for $6100.00. The claim was for a loss of $15,000.00 for that quarter. I received no less than five calls a day from B of A asking when I was making a mortgage payment.

I finally received paperwork from Collins Center for Loan Mediation. Those papers stated that I was no longer able to use their services because I refused to meet with their mediators. I called them and they said that they had been trying to call me several times with no answer. They had been calling the wrong number which is not mine. I told them how long I had been waiting for a loan modification but they said that there was nothing they could do to change the situation because thirty days had passed and time was up.

I talked with Bank Of America and they told me that I was in the second stage of getting my loan modification. Days later, I received a letter from an attorney for collections and foreclosure. I notified them that I was waiting on a loan modification. They said foreclosure would continue while I was waiting on the modification. Days later, I received a letter stating that I had been turned down for the loan modification which was now in March of 2011. That paper stated I had three choices on handling of resolution: Short Sale; A deed of Lieu; and The Fannie Mae Deed-for-Lease. I don't feel Bank of America ever intended on helping me with my mortgage.

Three years ago when my mortgage company was Countrywide, my home was valued at $369,000.00. Bank of America tells me it is worth $148,00.00. Now that we are six months behind in payments, we can never catch up for all the penalties.

I think that they want my home and it doesn't seem that I can do anything about it. I wake sometimes as early as 2:00 am and search the internet for solutions. My stress level is out of the charts. My wife has become silent on the matter because it causes her to cry. It appears that we soon will be added to the list of homeless.

I have had 3 contracts on it since may 2010 and all 3 have backed out because Bank of America takes their sweet time approving. I think that they would rather go into foreclosure. Approximately August of 2010, I contacted Bank of America regarding a possible deed in lieu. The gentlemen that I spoke with suggested that "I take in a foster child so that I can have the extra money each month to make my mortgage payment". I quickly told him that I would be committing fraud! He didn't seem to care. Is this how Bank of America operates? What can I do to get them to move a little quicker on approving the next short sale contract I get? If I get one!

Do we have any recourse? We are having difficulty getting a loan on a car due to this issue. I feel that there is fraud on the part of Bank of America but have no way to prove this.

I managed to get this problem solved, dealt with the title company and had the loan ready to close in under 24 hours. I tried that very day (8th) and all day on the 9th but no one answered my call. I left messages but no one returned my call. Rosalyn ** called me on the 10th and said my loan was closed because I agreed to withdraw. I told her that was not true and explained the situation to her. She said Benita said I agreed and she would have to speak to a supervisor and would get back to me by 2 pm that day. I never got a return call and she never answered my calls that day or the day after. I finally called customer service to find out who I could speak to and I was told that the notes in my file stated that Rosalyn said I agreed to withdraw the loan.

This is when I realized that not only were they not taking my application seriously but they were recording false statements. I did not have a conversation with Rosalyn the day the loan was withdrawn; Benita was the one who did it. The new representative also said that as of that point no one was assigned to my loan so basically they just closed it without my agreement, ignored my attempts to proceed, screened my calls and abandoned my loan. This is very unprofessional for any business and even scary for a financial institution because they have all my personal info - ssn, pay stubs, bank info. If they are dishonest enough to lie on their reports and unethical enough to abandon my loan and screen my calls who knows what else they are capable of.

They currently say we owe them over $4,300.00 dollars with no explanation for what it is for. They have now decided to start foreclosure proceedings against us. We cannot afford to get an attorney and the ones we have talked to said that they cannot help because BOA will just drown us in paper and it will cost too much to fight them. We even tried the loan modification route even though we do not feel we need to. We went through that six different times with, they have never done anything except say "wrong paperwork or turned in too late."

One person, an Abigail even called me a deadbeat and said I should lose my home, and that Countrywide people are all deadbeats. What kind of treatment is this? We are at our wits end with these morons, my wife and are no longer young and we do not wish to lose our home. Can any one out there help? Bank of America is no American bank, it is a disgrace and should have gone under many years ago. We are now in the process of trying to raise the $4,300.00 by raiding what is left of our meager retirement, even at that BOA says they may not even accept it, what kind of Bank is this? Crooked I say. We just made this months mortgage payment and they accepted it, so gives.

I called for weeks in reference to the foreclosure with Bank of America. I was told that there was never an account with this bank and there was no listing in the files under Bank of America. The bank did not have my home listed as received under B of A , no foreclosure, no loan number. I did not have a bank attached to my home--only under Veterans Affairs.

A realtor knocked on my door at ** and inquired about my home. David ** from Zipp Realty had inquired before any process was complete. Now, he is pressuring me about signing cash for keys. Bof A states that no one has my home. I was told by Cynthia that the Reo Team was going to get to the bottom of this situation. I have received no calls except at night from an 800 number. I have been transferred from 800 numbers to the next under B of A for thirty minutes. And now, I receive one ring back and a hang up. Three and a half weeks of games and phone calls. I might be evicted according to David ** by March 12, 2011 with no results of my home.

I decided to go to the bank and explain my problem to another representative of Bank of America, Ms. Noemi ***, and she told me that she could help me with my loan. She asked me to wait for the other credit. We filed all the paper work (again) and she asked me to pay for the house appraisal again which I did! After that day (December 23, 2010), Ms. *** has not answered my call. Till today I don't know if the appraisal was done. The only thing I know is that they charged the money again ($540).

All I want to know is what else is needed to close the loan. I feel that I'm just getting the runaround and that nothing will happen. I've read a bunch of the complaints already posted and now I feel very pessimistic. What's going on here? If I don't refinance before this coming December, I will lose my home as my rate will go adjustable.

I would like Bank of America to actually process my application for a modification. I have complied over and over again with the paperwork. I feel that they are giving me the run around and have no intentions of helping me with this mortgage. I am sending them payments on my mortgage that is almost double my monthly payment which is preventing me from paying the property taxes from last year and this year, and the home owners insurance is coming due. I cannot do this anymore, but I am fighting as hard as possible to retain my house for myself and my 3 kids. I have been unemployed for a long time and finding only work that pays 20 percent of what I used to make.

I need someone to help me get this bank to do what they are supposed to do. If I don't qualify for a modification, then I don't know who is. Please help me get this bank or someone working there to be held accountable for their actions. Get someone there to do their job and make a decision on my modification. I have been patient for almost 2 years, and I just cannot take it anymore.

Long story short, on a Friday, a BoA rep called and stated I had an $80,000.00 to $90,000.00 value equity in my home as per their own appraiser, needed food cost, needed it faxed at 2:30PM (my time). Keep in mind that the BoA rep was in Virginia. By Monday at 2:20PM, she called me that they refused my loan mod. By Tuesday morning, written letter. By 12:30PM, Wednesday, on my front door was a FedEx letter. They refused my loan mod. Everything they were being accused of has been done to me. I'm sick of these guys. Our leaders bailed these bankers out. They were wrong. We cannot get loans, they have killed the housing market and the people are made to pay. I'm a self-made man, I built up my property. Now, I'm the bad guy. All of our elected leader do not listen to us. If we push a shopping cart, we need health care, we have no homes, no jobs and they want to have a vote over heath care. We need jobs Mr. Obama. You need to slap these bankers hard!

We applied twice but were declined due to the fact that we were still current on our mortgage. So we had to stop paying. Then in November 19, 2010, my husband was laid off from his job completely. We lost 75% of our income and could not pay our mortgage. We reapplied for the HAFA program showing that he had lost his job and was on unemployment. We have waited twelve weeks to hear back from Bank of America to see if we could qualify or not. Today, I finally called and am told they have declined us due to the fact that our income is too high and that our monthly mortgage payment is only 28%. That is completely false and obviously the "underwriters" did not look at the file at all or review the 39 pages of information I sent which included the letter of layoff, the weekly unemployment amount and the fact that my husband has been laid off of work for three months.

I have been told there is no direct contact number for the underwriting department and that they are a back office only so I have no one to call and no one to help. I can try to reapply and wait another 12 weeks, during which time I am sure that we will go into foreclosure. We have repeatedly tried to do the right thing and have been screwed over and over by Bank of America! It is extremely obvious to my that they do not want to help borrowers and would rather we just go into foreclosure anyway.

The monthly increase includes property tax and insurance. I had informed the bank that I will pay the property tax direct to L.A County tax and I also purchased home insurance. They have send me letters saying that my account is in default. But I paid my monthly mortgage payment on time. I had never missed a payment. I have also paid the 1st installment of property tax this NOV/2010 which the bank claims that has paid as well.

I called the bank and a representative told me to call LA County tax for a refund. However, county tax informed me that they had been credited to the bank. Why would I have to pay back the bank when they already got the refund from tax collector?

Apparently, per Park ***, he found the document but it had been misfiled. He said he would contact them to see if he could convince them to re-open the file since it was their error and not mine. Supposedly he was re-opened and now they are requesting some of the same documents I submitted in November, December and January. They are giving me a hard time because I made a cash deposit on July 6, 2010 with Chase then I scheduled an online payment to my credit union on July 16, 2010 and Chase issued a check to my credit union which was received and posted to my account on July 22, 2010.

I was able to get a copy of the check made out by Chase to my credit union, and the deposit is posted as a check deposit on my monthly bank statement. However, that is not enough. Now they say I need to provide them with a deposit slip or they will cancel my loan. I contacted my credit union but they do not have a deposit slip because it was a check received by Chase plus even if I had personally made the deposit, my credit union does not use deposit slips. At this point I feel I am being harassed and they are making every type of excuse to not approve my loan.

Park ****** said he is doing me a favor by helping me out because B of A is losing $8k - $9k on this loan because it is going to cost them 3 - 4 points to give me a 4.5 rate on a 30 year loan. However, it is not my fault that they were too busy with so many foreclosures and loan modifications that they were not able to get to my loan any sooner and that is why they gave me an extension on my rate. I am also concerned that I have emailed and faxed them confidential information and they claim to not have received it, or as Park *** said, they may have lost it. I am afraid my confidential information may land in the wrong hands.

I was told they had up to 6 months to decide. They still have not. Every time my file goes to another department, I get asked to resend the same documents again. I mailed them twice and faxed 3 times.

The last person I talked to told me that Adam ** was finished with my file and had not asked for any documents, until he sent it to the underwriters. They sent it back to him for request of bank statements again! My question is, if he was finished with my file and did not need any more documents where did my bank statements go? Shouldn't he have sent them to the underwriter along with my file? He said it was complete, but now it isn't and I am being asked to send them for the sixth time. I believe this is just a stalling tactic on their part.

I have emailed Senator ** and asked him to look into it for me. I am waiting to hear from him.

I found this site in an article I read of other people having the same problem. When people need help, they need it now, not a year later. Or most likely, the banks are hoping people cannot make their payments so they can foreclose. Maybe that is what they are up to.

"In the past month, the number of mortgage holders who have a permanent Home Affordable modification has increased from 3,200 to 12,700 according to Bank of America. In addition, close to 14,000 loan modifications are pending, which means the final terms have been approved and Bank of America is waiting for customer signatures to finalize the loan modification.” BOA says a number of people have been helped, but can they prove it? Pending for signatures, I have not been asked to sign anything yet and it has been over 6 months ago going on 7.

I am now on SSDI, but I wasn't when I bought my house. I was working part-time; I am on leave at the moment for medical care of a family member. My mortgage and insurance and taxes leave me with $21 for the month of February 2011, I was hoping to have some relief by now. I have a part-time job when I am able to return, but I only make $8.20 an hour and only 9 hours, maybe 15 a week due to a disability. I struggle to pay my utilities and need to ask for help for that and food month to month. I was looking forward to getting some help to lower my housing costs.

Two months later, I called them, and they said that it was still pending. Then, I sent more paperwork. They were wanting check stubs from Virginia Employment Commission, and I explained to them that there was none. I sent bank statement and VEC paperwork. It is 1-31-11, and now they want more, and I'm tired of them stalling.

My future looks dark; thanks to their help. I don't want to lose my home. I'm not young anymore. I hope this reaches all those people who are going through same. What is happening to our America; with unemployment, I not able to pay my mortgage in time. I'm always late.

In January, without any notification whatsoever, we received an escrow statement from BOA stating that they have paid our taxes and have recalculated escrow for us and again with no prior notice or contact at all. Well, because of what BOA has done, they have added $500 to our payment. Instead of helping us, they have burned us to the point where we cannot make our payment now (we have never been late even though I am on Social Security Disability). Trying to contact them, to help us, is a joke. They never return calls and we are on hold forever and even if we do get a hold of somebody, they are of no help and many don't seem to care at all.

Our account number is ** and our supposed representative is Mia ** (no phone number because she said that she can't receive calls!) We can no longer make our house payment because of what BOA has done. This month will be the first month ever that we will not make a full payment or maybe any payment. We suspect that we will lose our house because of the actions of BOA..

Finally in November 2010 I received an envelope from an attorney's office. I found out that there was a sale date of January 4th. I called HUD-FHA who faxed my material to a responsible person at BOA who looked at my file. They told me that I didn't qualify for a traditional modification because that must be completed within 12 months of application. The 12 months had expired because the file was waiting in their hands for them to make a decision. The time lapsed with my documents in their hands. The person in December offered me a modification with the interest rate reduced to market rate, about a point. I was happy to get the deal done.

A few days later I got a phone call from BoA. They told me that there was a lien on my property from the State of Georgia and that we couldn't proceed until it was paid. The amount was a little more than I could afford. Then I thought about a few things. For one, the State of Georgia issued me two refund checks in 2008 totaling $1100. Why I don't know but I had forgotten that I owed the state anything. Why should they be refunding me money? Second, the state charges an unbelievably high interest rate, especially given this economy. Refunding me that money and continuing to charge interest on a higher bill doesn't make sense. They had to know what they had done.

So the amount that I owe on my tax lien was made larger, because the money was refunded to me, and because BOA waited so long to make a decision. I have personal problems as well. For one, I have successfully battled multiple sclerosis for nearly twenty years and the prolonged stress has taken it's toll on me. In addition my wife is an alcoholic in denial, and I'm seeking any help/assistance I can get to bring about a positive resolution in that matter. I humbly await your response as my time in my home may be up.

We have called many, many times and we keep getting cut off or told that "everything is cleared up" but then we get another letter. My husband & I are both elderly and the stress from this harassment is taking its toll on our health. We are afraid that, even though we are told everything is fine, that BAC will start the foreclosure proceedings and we will lose our house for no reason. We have read about this happening to others who have mortgages with BAC.

I spoke to the bank because I had heard about the making homes affordable program and the bank had told me that I needed to stop paying my mortgage for at least 3 months to qualify for that program. Well, long story short, I stopped paying and filed for the MHA loan mod through Bank of America. I recently was declined and was told I was quailed for the attorney general loan modification. I am very worried because I do not want to lose my home as this is all I have left. I am ready willing and able to pay to keep my home, but it seems like I am getting the run around from Bank of America and I am very scared at this point.

I have the Pick-a-Payment adjustable rate mortgage which I have read there was a lawsuit against Wells Fargo for. Bank of America did not even offer me this 3-month trial payment plan that they have offered other people in my circumstance or anything to even give me a chance to redeem my mortgage. I also explained to Bank of America that I now have someone living with me helping me with my finances. I am asking if there is any information that may be helpful to me and my situation. Any information would be so greatly appreciated. I don't know where to turn at this.

Then in March of 2010, I applied with Making Home Affordable and was told I didn't qualify and so I tried again. They told me that I did qualify and asked me questions. They sent me a packet and I sent all the paperwork to them. They said that I would be put on a 3-month trial. I made the first payment within 30 days which I was told was okay. I kept in touch with them. The next payment I made a partial at the beginning of the month and told them I would make the rest of it when I received my check. I got the check deposited it into my husband’s account and because I wasn't on the account they put a hold on it.

I called Bank of America to let them know what was going on and told them that I didn't want to make a payment to have it bounce. The lady told me that was fine and as soon as it was there to call and make the payment. The payment was 2 days after the 30 days. I went on to make the other 2 payments which brought me to a total of 4. These were all on time. I called and asked what was going on with the modification and they told me that I was denied because of the second payment. I told them why didn't they call me and explained everything. They said they don't call but they should of sent out a letter in the mail, but didn't see anything in there system that a letter had been sent out. The system did say that I was denied. I asked what I could do and they told me that maybe I could qualify for another modification.

In Oct, I called and did qualify for the attorney general modification. The man on the phone said that a packet would be sent out and that I would receive it within a week. I didn't receive it and called back. They said that they didn't see it and that I needed to fax the information over to them. I did it within 1 hour and called the next day. They said that they received the information but to call the next day to see if the paperwork was in the system. I did and it was. I have called once a week since then and have gotten no information just different stories as to what was going on. On 11/24, it was still in review; 11/29 under review; 12/6 call in a week still under review; 12/15 no update yet; 12/22 still in review; 12/29 investor doesn't support that modification, submitting another escalation report; 1/3/11 still in review, work out pending, still pending no other documents required; 1/7/11 still pending; 1/10/11 still pending; 1/14/11 still pending; 1/18/11 investor doesn't participate in government home loans. I asked on who is my investor and how do I find out. She said to write to Bank of America.

I spoke to someone else and she said other documents are required. I again spoke to someone else and she said that it’s still under review and she transferred me to Home Retention Team. They said it’s still under review and that no other documents were needed at the time. I got onto MERS and entered my info and it told me as of 3/23/06, it was Bank of America that was my investor. I don't know what else to do as well as a lot of other people on the internet that have been going through the same thing. May I remind you, the modification is not guaranteed. Any help with this would be greatly appreciated.

In September 2010, Bank of America returned my check for my monthly payment stating they wouldn’t accept it unless I sent it certified mail. So I sent it back via certified mail and once again they returned it. When I contacted Bank of America, they told me that I had missed 2 payments, which were dated a year ago and that I was 5 months behind even though I had only missed 2 payments. I had not missed a payment that I was aware of. I checked my bank statements and found that 2 payments were returned 12 months earlier and Bank of America didn’t notify me. Now they say it will cost me over $9,000 in fees and penalties to make my mortgage current and they have sent me a foreclosure notice. I called and they told me not to send any more payments because they wouldn’t accept them. They have also done 2 appraisals without my knowledge and charged me for them. I talked to them about a loan re-modification and they said I qualified for it with them, but I had to qualify with the government. And they would send me the paperwork within 15 days. This was a month ago and I still haven’t received the papers. I called and the person I talked to said she couldn’t find anything that said the papers had been sent and it would now take 30 days for me to get the papers. But she would send them and I still haven’t received them.

or who to talk to for help. Would you please send me a reply? My email address is ** or you can call me at **.

that they didn’t know anything about it. I talked to the Master Commissioner who does the foreclosure sales in my county. He contacted someone and the foreclosure was cancelled. He is an attorney and he told me that I had a good case for a lawsuit, but I only wanted to keep and pay for my home so I didn’t do it, thinking everything would be all right. Now I know it has only gotten worse. There has to be some way to stop this before I lose my home that I have tried so hard to keep. I have paid enough in high interest rates and fees and penalties to have half my home paid for. There seems to be no way to satisfy Bank of America. They are determined to take my home. Your help would be so greatly appreciated. Anxiously waiting for your reply.

Usually there is a local magistrate and local juries that are not lawyers and are sympathetic to the consumer who has been abused. The Banksters cannot stop us or prepare, even if they know what day or week it is. Check your local small claims court for the rules and cost and then send a RESPA letter to your loan servicer by certified mail. When you get your response to your RESPA letter and gather your evidence, I will keep you posted on what day we will do our National Political Action, go to every blog you can and post this email, we have to get the word out!

Why loan servicers are misbehaving, reason #1Financially motivated sampling analysis. Loan modification delays, bait and switch to forbearance, document send again; any excuse which may institute payment suspended, not posted, results in servicer suspending disbursal of same to mortgage holder. For every 25% of cash flow suspended, servicer earns interest on suspended total until released $306,000 annually.

Each loan payment that generates a late charge event, however such is achieved, will generate an average of $85 late charge, $42,500 monthly at 25% of loans times 6 months average term all events, $255,000 annually.Supplemented Income of $561,000 annually 17% of base, just hire temps to answer phones. The results shown are roughly estimated and are conservative but there's more to it. This part will make you very angry.

If the company that is employed to institute the foreclosure process required by the servicer is one and the same, events can be coordinated to enhance income means under the guise of independent operations. For those in default and foreclosure commenced, notice Recontrust actions peculiar, aggressive, excessive. The last stage of BAC seeking revenue paid by you or billed the investor, the other victim.

B of A is not your lender even if they are. They are a payment processing service and they are not happy playing puppet to the feds programs that chop into their profits, increase their staffing overhead, and inundate them with customer outcry, expectations, and demands. You, a mortgagor, are an at will participant in an arrangement you must participate in which is often unfair, recourse is limited.

AG suits and media will flush some correction so sue, if you can, deceptive acts; see your state statues. Lis pendens the title and jams the process like BK. Payments not posted are payments not made, get it? Call it rent in the end; BAC hopes you think so in as much. Using mods to pump you for income the loan holder will not receive, you'll likely not benefit by and both sides BAC harms. Get your money out of the bank, rights of set off grant BAC access to liquidity. Move it.

However, the worst thing that has been happening now is that every time I call Bank of America, the customer representative tells me that my social security number does not show up on their screen to verify me so I am transferred to another customer service representative to "update" my loan information. I have had this loan for 11 years, and before, I have always been able to be verified. Each time I call to find out the status of any number of "loan modifications" Bank of America has had me apply for, I must now spend literally one to two hours being transferred back and forth to be "verified" so my loan can be discussed. I can't take it anymore.

Finally today, January 10th, I begged and pleaded with the once-again-transferred-to Bank of America representative to find out what is wrong with the documentation on file and why my social security number is not easily found (I had to stop even trying to follow up on a pending third month of missing mortgage payments and just try to fix the new problem I have with Bank of America - the "verification" problem). So Myra, the representative today, finally told me that I have to tell any Bank of America person I talk to on the phone not to look at the "lamb" screen but rather go to the "AS 400 series" screen to verify me. Basically, this boils down to me, having to know software code to speak to the Bank of America representatives and tell them how to use their computer so I can be verified by Bank of America on a loan I have had for 11 years with them.

What is this? I don't even know what I am saying to the Bank of America representatives but the sick thing is I called Bank of America back later today and had to use the software code instructions and it did work with Bank of America person who took my call. This is shameful.

It seems a scam all the way around. I did this in June 2010 and still have no results. The payment keeps going up that I can't afford and getting further behind. Please help because I can't go on much longer without loosing my house that I have now lived in for 20 years.

It has been two months that the calls have gone back and forth and submitting paperwork and I am still not any closer to refinancing with MIC. All Bank of America has done is procrastinate with this process and pushing it back with no progress on my refinance. I need to settle and soon before I miss my next mortgage payment. I appreciate any help that you can assist with this matter.

I said no to the refinance and kept pushing for a modification. I finally brought up the word extortion about the refinance and suddenly in August of 2009 Bank of America verbally approved me for a trial modification. September 2009, I made my first trial payment upon verbal approval and was told repeatedly over the next 6 months that the papers were in the mail. In April of 2010, I got the FedEx package with the trial modification in it. The payments went up by $50. but I could still afford it and so April 2010 was my first Real Trial Modification Period payment.

I continued making all my payments on the first of the month and making faxes to prove my fiscal situation. I have copies of all the faxes I made. In August, I was told that I was approved for final modification. In fact August 8th 2010, my paperwork went to the investor. I have continued to make my payments on the first and have called repeatedly asking for my modification. I have been escalated (whatever that may mean) 6 times now.

December 29, 2010, I got a certified letter wanting payment in full all the difference between my modification payments and my original payments or my home will go into foreclosure on January 19, 2011. The magic number is $5505.03. I do not have that money. I did everything I was told by Bank of America and now they are threatening to take me and my daughter's home.

The picture that goes along with the story is that I am a 40 year old woman who bought this house on my own for me and my daughter with a lot of hard work. I paid for this home being an 18 wheel auto transporter which is a very physical job. My daughter who is 16 now goes to an exemplary charter school where she is an honors student and she represented her school at the state science fair. I am a veteran of the US Army, and am using my college money to go to school while I work part time retraining myself in a new career in physical therapy.

I started back to college full time 3 months after I lost my job and I continue to take classes full time and have maintained a 3.25 GPA while working and raising a daughter. I could not be trying harder to better my life since the recession the whole while fighting with Bank of America trying to keep my home. I am just asking them to do what they said they were going to do.

Even though I am approved for a modification they are going to leave it parked on an investor's desk until they foreclose on my home. There could not be anything less American than Bank of America. They are not actively trying to help the American people. Most of the time I call, I get sent to a phone pool in another country. It's a recession you would think they would give those jobs to Americans. This American is a very dissatisfied Bank of America customer. Thank you for your time.

After 9 months, they threatened foreclosure. We were afraid of losing our home, however were fortunate enough to come up with the $13,000 needed to get out of the dire situation we were in. We have been current on our loan for the past 3 months. However, Bank of America still reported our mortgage as being late for 9 months and still has not given us the modification. We are drowning in our mortgage payment. We want to downsize and get a smaller house. This is impossible with the credit report showing 9 months of paying late. Although technically we were never late, we paid exactly what the bank told us to pay and we paid on time.

I asked one question, "Have you submitted my loan to underwriting?" And his response was, "I want to get all of your documents together to decrease any possibility of the loan being returned from underwriting." I can understand that process but he and I both know that it does not take three (3) months to gather documents and submit documents to underwriting. He has been treating me very unfairly throughout this process and it has caused me to feel as though he is either not interested in my loan, which I asked the question at the beginning and I was assured that Bank of America would try hard to meet my loan needs.

When Mr. *** stopped calling me all together and would not respond to my emails, I decided that I would just leave a voice message withdrawing my loan and just move on. He still didn't return my call. I called from a co-workers phone and coincidentally, Mr. *** picks up the phone. When I asked him why I am being treated unfairly, his comments were very quite. He appeared nervous and was definitely aware that I wanted to withdraw my loan and he not hesitant in processing the withdrawal paperwork. He couldn't process any other paperwork in three (3) months but he was willing to process a withdrawal in less than one (1) hour.

I really feel hurt behind the way this process has gone. All I asked him was to be honest with me so that I can know what avenues to take in the future and he treated me like nothing. No one in the Buford, GA office provided assistance to this writer that was satisfactorily. It's a terrible feeling and I am going to plan very well so that I will not have any banking affiliations with Bank of America in the future. I have emails that document all my efforts of trying to reach out during the process and all the replies that state nothing from Mr. Anthony ***.

Two weeks later, I got the same letter again. I spoke to another rep who told me there still was no information on my account. All of the faxes sent and conversations had resulted in nothing. She told me BOA also purchased flood insurance on my behalf.

After looking at my account, she said my flood insurance did not match my homeowners insurance, and that was the problem. I asked numerous questions about how the two were related, but she couldn't answer. I asked to speak with her manager, as soon as the manager got on the phone, she recognized the problem immediately. All of the reps I had spoken to were wrong, and she was able to quickly resolve the problem. She also told me BOA had not purchased flood insurance for me.

I have spent hours on the phone with reps, spent hours gathering information, and sending it over, reached out to numerous people for their help with information gathering, and have spent hours being extremely frustrated going in circles with BOA's untrained and unqualified reps. If they do not understand the problem, and do not know how to resolve it, they shouldn't be able to guess at solutions. They need to be held accountable for awful service and wrong answers.

I called on 12/20 and was told I was due for 12/1 and I am now late. I asked to speak to Anthony and was told no one with that name worked there. I asked to speak with a supervisor. I was given the assistant supervisor, Vensus. She would not provide her last name or direct number. She told me this was at least a 30 day process. I called Amerisave Mortgage to ask for assistance in this matter. We called the 800 number together and again got the runaround. I was told to call back again on Wednesday to confirm the correction has occurred. I told the rep my account is showing past due and I have a strong credit rating and I don't want their errors to impact me. I was told an account must be 30 days past due for collections to occur. The evening of 12/20, I received a phone call from a collection agency regarding my payment not being made. I also have not received a coupon for January, since December would need to be paid for another to generate.

On November 10, 2010, I spoke with a Kenneth ** in BOA's Mortgage Department and asked him how long a subordination request would take. I was told 2 weeks at the most. On November 17, the request was submitted to BOA by State Farm. Since that time, both I and my mortgage rep have tried contacting BOA about the status of this request and have got nothing but the runaround. Everything from being forwarded around the company, given disconnected numbers to call, as well as leaving voicemails with the subordination department in which the recorded message states that "all calls will be returned within 48 hours".

Needless to say, no calls were ever returned to either I or my mortgage rep at State Farm. Finally, today, since I am on vacation, I decided to give BOA another call. I was forwarded and given 7 different phone numbers of whom I should talk to. I asked to speak to a supervisor, and was forwarded to another department. All I wanted to know was the status of my subordination request. I was irate and lost my temper with the last person I talked to, who actually turned out to be the most helpful. I was told that on December 3, the subordination request was forwarded to an outside company (outside of BOA).

The guy I spoke with (Steve) filed a request to expedite this request, but at this point I'm not sure I have a lot of faith in BOA. Steve also told me that these subordination requests should take about 10 business days. It's been 5 weeks, and rapidly approaching 6 weeks. State Farm is charging me to secure my rate, which isn't fair because this is something out of my control. I've done all that's been requested of me. It's BOA that isn't cooperating, neither with myself nor my mortgage lender. These business practices seem a bit shady to me.

I didn't choose to be a customer of BOA. I had my mortgage with Countrywide, and have never cared for the customer service that BOA has provided since they took over. Therefore, the first opportunity I got to try and get away from them, I took it, and now they are screwing with me. I'm so tired of big business pulling this crap with people. Business practices like these are unethical and they certainly don't tend to make the consumer want to do business with them. Something needs to be done. I paid BOA a fee of $125 for a service that I don't feel I was provided in a timely basis of 2 weeks, which they provided me. I want my money back and I want them to be penalized for their shady practices.

I called about seven different phone numbers and was given the run around. The only number where the subordination unit can be reached has voice mail. I have left three messages and they have not returned my calls. Please see email from John Molavi from Network Capital Funding below:

Hi Katherine, can you contact your bank regarding the subordination. They are now telling us that the maximum combined Loan to Value is 80% which means we cannot exceed 80% of the value including the 2nd mortgage. That would put us at 161,000 on the first, which depletes all of the cash to pay-off debt. I do not understand why they are doing this. On their guidelines they go up to 95%. But for some reason, they are capping us at 80%. It is very strange. I was wondering if you can try to speak with someone that can figure this out, and make some sort of exception. We are running out of time on the rate, so it is very important we get this resolve asap. Let me know what you can do.

I called BOA back on 9/15/10 at 7:44 am and spoke to Ignacio who then transferred me to Patricia at 7:49 am. Patricia then informed me that it was too early in the process for my case to be escalated and that I should wait until the end of September. If I hadn't received my paperwork by then, I should call back and my case would be escalated.

I called back on 11/24/10 at 11:20 am and spoke with Nick, informing him that I still hadn't received my paperwork. He said he would escalate my case and that I would receive my paperwork within15 business days. I called back on 12/15/10 at 11:15 am and spoke with Patty who told me she didn't see my qualification questions having been answered, but did see that my paperwork should be on its way and if I don't receive it by Friday, 12/17/10, that I should call back on Monday. I don't foresee any paperwork coming on Friday. I feel like I've been given the run around for the past 5 months.

The 4th grade mathematician at BAC sends me every month something different, wtih the same results always 3 months behind.

2. I am not eligible for a home loan modification because my "loan is delinquent". Wow really?

3. Since 2005, I am charged "bios" (charge to see if I am still living at the address) monthly to the tune of $150 a month!

4. I receive over 20 calls a day from BAC while at work. They call to collect and I tell each one the story and they state they cannot help me because they are collections. How many of can receive that many calls at work and remain employed

5. Payment I made two payments in February! My loan was transferred from Wilshire Corporation to Bank of America effective 2/1/2010 and Bank of America sent their first correspondence saying I was in default only of the two payments were credited to my account to this day!

My personal checking account bank Suncoast Schools Credit Union has placed many calls with me and for me to no avail!Please see enclosed documentation! All who I have sent this to have my expressed permission to speak for me, advocate and have access to my personal information and loan billing etc! Thank you for making my Christmas Bright!

This year, we tried again for the Home Modification Program. My husband and I are self-employed and due to the economy, we lost a job which paid us $12,000.00 a year. I thought for sure we would qualify but I was wrong. We did not qualify and again they would look for different programs for us. Then we started to receive letters and phone calls for short sale and foreclosure.

I called the Home Retention Department. The 1st person I talked to said we were behind 4 months in our payments. I told them they were wrong. We had been making our payments. They transferred me to customer service where I was told that because we were still under review that 2 of our payments were set aside and not being applied to our mortgage. I told them since we did not qualify to release the funds and apply it to our mortgage, they said to call back in a week and everything should be correct. I called back and it still had not been done, they apologized and said the person I had talked to did not enter the right codes for the funds to be released.

Now I started this in Sept. to get the funds released. We received our October statement and the funds were still not released, our past due amount was now $2,651.98. Again I called and again the matter was to be taking care of. I got our November statement and the same past due amount was on there, I called again.

This has been extremely stressful, to get letters and phone calls for foreclosure and before all this started we were 1 month behind. There is something drastically wrong with their system for applying for this assistance, there are to many departments where they have no clue what the other on is doing. One department tells us we are 4 payments late, the other says foreclosure and yet another one says they are holding 2 payments, there is something very wrong. I do not think it is right to penalize us for not qualifying, I thought these programs were to help home owners keep their homes, not put them further behind.

This is the letter I sent Bank Of America to Laura ** on Nov. 10th. Her response was she sending my letter to the Escalation Dept. for review. About a week later, I received a call from the Escalation Dept., his name was Mario and that he had read my letter and that he was going to see if there was something he could do and that he would call me back within in hour or so. It's been over 3 weeks now and I still have not heard from him. Mario gave me his phone # **, extension **. I have called this # and entered his extension. He has not been there and I am not given the option of leaving him a message.

I then received a phone call for BAC, telling me we are behind on our payments for about $2,200.00. I told them they were wrong. She said we did not make our October payment. I had paid and gave her the confirmation #, then she saw we had paid but it was not applied to our mortgage. She asked if the check had cleared the bank, which it had. So now I have to get a copy of the check and fax it to the Pay Research Dept.

This is the 2nd letter I sent to Laura on Dec 2nd. She E-mailed me back and she said she would send it to the Escalation Dept. I have not heard from them.

On Dec. 7th I received a phone call from BAC about out past due amount and for not receiving the Oct. payment, when last week I faxed it to them. We received our Dec. statement. Now they have our past due amount for 1 month behind, but they added $277.08 onto our mortgage payment for late charges and another $165.00 for fee's due, which were never on the other statements. I called to find out why and all she could tell me was BAC sends people to drive by your house to see if it is occupied, which they have known all along we live here.

They are just trying to find loop holes to get more money out of people who do not have it. I have read other people's complaints on BAC. I do not understand why nothing can be done to them. I have contacted the BBB and our State Senator (both I am waiting to hear back from). I will also be contacting the Attorney General. BAC should pay for what they are doing to people who have mortgages with them. The American dream is to own your own house not have BAC who think they are God, take it away from you.

A year and a half ago, I applied for the making home affordable program through Bank of America. After 6 months of patiently waiting and trying to stay on top of my payments, B of A told me that I was denied help from them because they did not have enough information from me. What? Isn't it their responsibility to get all the information from the borrower in order to make a decision? Needless to say, I was not giving up.

I called again two months later to go through the process again. It has now been a year since I started the loan modification process through B of A again and I have no answers and no help. After the first 3 months of being "accepted" into the first step of this process, I was forced to Escrow. I was told that I could not go through the loan modification program unless I "escrowed", so the payments that I already couldn't make, were upped two hundred dollars more a month.

For the past 9 months, I have borrowed from family, canceled other things I can't make payment for anymore, adjusted insurance, etc. in order to avoid foreclosure while I wait for an answer from B of A. I have called once a month over the past year checking on my status. I always talk to someone new, I am always told something different.

The last few conversations have made me the most angry. I was told in October that all my paperwork had been received and that it was now with the underwriter. Now that the underwriter had the paperwork, I would have my "trial modification" by November. So, I called at the end of November and spoke with someone, because I had yet to hear from them. I was told at that time that I should have never been given a time frame because they have so many cases to handle that they can't say when they will get to mine. The representative tried to act like he "understood" my frustration and that he would send an email to my underwriter telling them to make my case a "priority. " Ya, right. A week later, I received a call from a woman claiming to be my underwriter and that she needed more information from me for my file to be complete.

I was confused. I thought my file was complete. I have sent them every document they have requested, and not just once, but several times. I called them back asking what they could possibly still need? I was told they needed all the same paperwork that I have already sent them. I laughed. "Are you kidding me?" I said. "Why do you need all the same documents that I have sent you? " In a very hard to understand accent, I was told that this was necessary in order to move forward with my file. They even asked for current bank statements for my son's savings account. I hung up and started balling. I am so frustrated. They have been stringing me along for a year. I really feel like they do this in order to get people to give up on trying to get help from them. I don't want to give up. I don't want to lose my house and have a foreclosure on my record. Even if they would just adjust my rate to the current market rates, I would benefit. How can these people sleep at night? Any advice, help out there?

Then on Dec. 9 I received another letter from BofA stating that they needed more information or more exactly the same information that I sent in November. They wanted a current tax return and a profit/loss statement. This time when I called the Hope Team and complained that it was the same information that I've already sent, she told me to hold on for a minute and went to get my file which took her all of one minute.

She then told me she was looking at my tax records and that they seemed complete, so they only needed a profit/loss statement. I decided to be more proactive and fax the profit/loss and then mail the taxes and profit/loss and I guess we will see what happens from here. I have one question though. If she was looking at my taxes, then how are they able to process my loan modification in a timely matter, because these people on the Hope Team are just soft speaking, in bred, mouth breathers that are just there to tell everyone to call back in a week. Not the people with any juice to do anything about your loan. If I don't get the loan modification, I'm going to pull any business that I have with BofA now and in the future.

My story is like everybody else's. My wife was laid off in June 2009. We had bought a house in June of 2007. I had called in 2008, but was told I didn't qualified. Now I qualify and it seems as though they are trying to put everybody off until the economy comes back, instead of dealing with the problem on a loan to loan basis. We haven't missed a payment and my credit is in the high 700's, so you would think in theory that if anyone would be a good risk to receive a loan modification it would be me. B of A **.

As with anything about money it has created stress on both my wife and I and our relationship. Any time we have to discuss anything about money it turns into a fight. I'm worried about how my children view our relationship and how they will view how to deal with problems in their future. I've decided to try and scrap together whatever I can and hold on until I can buy another house, but I don't know if I can do that. We've cut out everything that we can to save money. We don't go on vacations or buy anything that isn't a necessity.

These devastated our town; I couldn't afford my payments at the time. I called BOA and asked for help. They set me up with trial payments before Hurricane Gustav which was in August of 2008. I made all of my payments and never heard back from them. I called to check on them and was told to stop making payments and they would look in to it. I did what I was told and I called back and was told that everything was canceled.

All this time I am still waiting on some kind of help from them. I do not know the reason why it was canceled. So they decided to start the process all over again. So all the information required was sent to them about 5 times because they always told me that they had not received it. Finally they received it. I called at least twice a week to find out the status and never had information. Once again, I called and was told there was nothing in process to help me out.

So in April of 2010, once again, they wanted to send in paperwork for the modification program. I knew I didn't qualify because my note was not more than the 31% income required. Still they went on with the process. This started in April of 2010 and I continue to call and get the status of the account and it was still being reviewed. They told me not to send payments because they would be returned.

Then in July, I received my billing statement and my note when from $784.18 to $2944.00 per month. When I called and asked them why they said I hadn't had flood insurance for 5 months. I have been having a lot going on in my life, my brother was dying of cancer and we were back and forth to Houston, Texas for treatment.

I do take responsibility for my part in letting my flood insurance lapse. I pay $404.00 yearly on flood insurance and they charged me over $7500 for the year of flood insurance, which I think is quite ridiculous. In Nov 2010, I received a letter that I did not qualify for the Home modification program because my mortgage payment was not 31% above my income. This was something I knew beforehand and I talked to them about it but they acted like I didn't know what I was talking about.

It took BOA 7 months to let me know this. Then my account got "escrowed" making my payments higher. The simple fact is since I was in review for the modification, they should have "escrowed" way back but decided to escrow in September 2010 instead. I finally get a notice of foreclosure and a sale date. For 1 1/2 years, I have been given the runaround with these so called people. They have made my life a living hell. BOA have been nothing but a huge stress factor in my life and filled with lies and cheating.

I could never talk to anyone over there and get the same answer. I continued calling but get nowhere. I have gotten a least 7 reinstatement fees with a 4-day period to pay them. They have lied to me every time I have called. They could never tell me exactly what the reinstatement fees included. I fought to no avail. I do not trust them at all. I am scared to send them money because I do not know if they will applied correctly and get my home out of foreclosure.

As of November, they have directed my account to the advocacy department. They are trying to help me but they are getting the same responses that I have been getting and he totally understands my frustrations. He has told me he has to talk with his supervisor and his upper management. Now, I have reordered reinstatement fees for the 8th time and each time their fees go out. When I stared, my fees were 300 and 500 dollars. They are up to $1550 and $1600.

I have been used and abused by these people and something needs to be done about this. I talked to the advocacy department and I tell him the whole story and then I tell him of the horror stories I have read about BOA and then he proceeds to tell me that I can't believe everything that I read and then I tell him, "Did you forget I am one of the horror stories? So don't sit there and tell me they are a bunch of lies."

As of this moment, my house is in foreclosure with a sale date and my credit is ruined all because I put my trust in BOA. Never again will this happen. I want to sue them for everything that place has done to me. I just hope someone out there can help me. No one on this earth can make me believe that they don't profit for the lies and deceit this company has put me through. I believe the federal government has a lot to do with the practices that they are using and I will not stop till I am satisfied with the results.

I believe they get money from the government when their loans are default. Once again, someone needs to work for the people of the United States and stop people like the ones that profit from BOA and our heartaches. I truly believe this is what BOA really was striving for - for me to lose my house. They might have well succeeded.

The following day, I spent two hours on the phone. My first call was a series of blame games on me! BOA claimed I failed to keep them abreast of my flood insurance and thus they were "forced" to purchase a policy on my behalf and charge me $8000.00. I informed rep Andrea that upon notification of this "purchase" months earlier, I faxed all necessary docs to demonstrate that my flood insurance was still current, never lapsed, and renewed. Then she explained I must not have alerted BOA and requested that they not modify my payments to cover this insurance purchase. Again, I alerted Andrea to the fact that I called hours after faxing the docs and was informed all was corrected and a credit would be applied. I also informed her that BOA sent me a letter confirming the same.

Andrea seemed over her head so her supervisor David took over, who also claimed I caused this issue. After 75 minutes, David "kindly" acknowledged the inconvenience that may have occurred and suggested I just pay a nominal amount on the second half of my mortgage payment. Hell no! He then advised that for me to obtain a refund. I would need to speak to the escrow dept, he could not transfer me and I needed to call back. Nice. Convenient. So I call back. Escrow says they need to confirm that the payment cleared before any money can be refunded. I had to send bank records to prove the money was drained from my account. Then they actually said that they cannot automatically transfer back the funds. It would take 3-4 days! Again, hell no. So they agreed to FedEx a check.

In the meantime, I went over my account and found $200 worth of discrepancies, so a second check had to be issued. Did they apologize for the stress, panic and migraine they caused? Of course, not. If I had not reviewed everything, they would have pulled this double amount again, plus continued with the unexplained charges. On top of this, I have had a loan modification/refinance request pending since September and they expect me to call every 7 days to see if they have acted on it yet.

There is no rhyme or reason to how they conduct business. There must be a way to call attention to this! They also charge a $8.00 fee per month to do automatic payment from my account. I would not have to pay this fee if I were a BOA account holder but BOA does not have any branches in the New Orleans area thus I cannot open such an account! Again, they trap you into fees.

We called the number and provided information for our qualification status. My husband was provided the name of a person that would show us the property Ryan ** of Beazer Homes. We met with Ryan and he took us to the property, a 4 bedroom 2 bath (just as described in the ad).

We thought the home was lovely, much to our surprise the home was newly built. We asked Ryan if this was the rent to own home we had inquired about, he quickly said no. We were confused, Ryan explained that the person we had contacted (Larry **) was an owner of real estate and that he had referred us to Ryan because Larry felt we would qualify for the purchase of a home.

Ryan said believe me, Larry would not have sent you here if he did not feel you would qualify for a loan, because he could make a lot more money by leasing a home to you. We were shocked to say the least. My husband and I had been through divorce and both had taken a beating financially. I myself, am currently in financial ruin as a result. We knew that my husband would have to qualify alone as I cannot be on a mortgage for at least three to four years. We explained that to Ryan, and he did not seem phased by the information. He kept saying he was over 90% sure this would happen.

Ryan advised us that since this home was included in the second quarter sales for **, and the prior prospective buyer lost their job and could not go through with the sale ** would make a nice offer on this home. He said the home appraised for approximately $168,000.00 not including the upgrades which totaled over $18,000. He made the usual salesman calls and emails to see if he could offer us the home for $145,000.00. They agreed and things were moving along. He explained that it appeared my husband met all of the qualification for a USDA home loan, which had perks like no down payment, and closing costs would be paid by Beazer Homes.

He took information on amenities that we wanted, which consisted of a refrigerator and washer/dryer. He said, he could get us a payment at less than $900.00 per month. This was great news. My husband signed the paperwork on June 9, 2010. Within a week, we were advised of a laundry list of things to gather which includes, bank statements, letters of explanation of some of the derogatory information on my husband's credit report, satisfying a small state tax lien and provide proof of the release, check stubs, tax returns etc. We were scheduled for an appointment with Bank of America.

We met with Christy at Bank of America the last week of June, she made copies of all of the information and advised us we would be getting a package from the main office in Atlanta and to spend an evening with a glass of wine and the paperwork and fill everything out and return it in the envelope provided. We mentioned to her a couple of times that we were applying for the USDA loan. We were advised about by Ryan. Within one week, we received a large package from Bank of America. We locked ourselves in the bedroom after dinner and started looking over the forms. All of the information was about FHA loans. The loan documentation gave closing costs that we would be responsible for to the tune of over $8,000.00.

We looked all of this over several times and finally agreed the need to contact Christy. John called her and explained, she said that USDA funds were no longer available at Bank of America, however if that is how we wished to proceed do not sign anything. John contacted Ryan and he advised John to contact Larry ** (who was still involved somehow). Larry told John he was sending this over to another Mortgage Company (Freedom Mortgage). Freedom Mortgage needed all of the information we supplied to Bank of America. All was provided, Freedom Mortgage approved the loan, however they too had no USDA funding available. John was advised by Larry that he would run this by a couple of mortgage companies out there that would front the USDA funds until the Government released funding again for these types of loan.

The last week of August we talked with Larry and by this time I had so many questions John asked Larry to talk to me. I asked Larry:

1) If we are approved we are approved and nothing can change that?

Answer: The laws have recently changed. If all of your information is plugged in and the computer says you are approved an underwriter cannot deny your loan unless you do not provide substantiation to back up the information provided. In other words: it is not up to the discretion only of the underwriter's anymore.

60 days notice and would August 30th allow enough time. He said yes that would be plenty of time.

to worry about credit reports being pulled and so on. That part is done.Well we trusted Larry and gave notice to our apartment that our last day would be October 31st. We fully expected to have to pay the last month and move sometime during that time frame or before. We kept in phone contact mostly with Bank of America mostly Ed ** calling for this and that.

Freedom Mortgage stopped calling and John was talking to Steve MacDonald from that company. John was dealing mostly through Larry ** who seemed to be the intermediary through all of this. Although Ed had called John and asked him to provide almost all new information about everything. He said he had pulled Christy's file and he said to make a story short, there was nothing in there. We could not believe this, because she made copies of everything. September came and went all the while the phrase whoever is the first to the table gets the mortgage was used allot. John was calling Steve, Ed and Larry. Ed stopped returning calls, but John was hearing from Larry on a regular basis. John was starting to panic a little. Around the second week of October, John received a call from Beazer Homes scheduling our final walk through and the closing for Bank of America as BoA had called and advised ** to schedule.

Great! John went to the final walk through on October 26th. No one showed up after almost 2 hours, so John called the office and the walk through has been rescheduled for October 27, 2010. No one had notified him of the change. On October 27th, John went through the final walk through was advised all utilities etc would need to be changed over by Friday, October 29th. He confirmed the closing was still on the books for October 28th. By this time as you can imagine, our apartment was completely full of boxed up items. We had very little left to pack. John had received a call from Larry ** on Monday advising him he would see him at the closing.

Larry also told John, I don't think that Bank of America knows you are married so don't take your wife to the closing. He said, ** is not going to pay closing costs, they are going through Indiana Housing who will pay the closing costs. I made arrangements and paid fees for start up of all utilities in our name starting October 28th. I secured a Homeowners Insurance policy and cancelled my renter's insurance.

Thursday, October 28th, the plan was John would go to the closing and come back with a truck. The girls and I had the day off and we were going to finish the packing while he was gone. John was gone about forty minutes and called me to say stop what you are doing. I thought he was kidding, he wasn't. He said he waited for nearly 30 minutes before Ed ** came out and asked him what he was doing there. John told him, he was there for the closing. Ed said there is no closing set for today. I told Larry ** two days ago, there would be no closing. USDA pulled back funding on October 22, 2010. John said Ed threw his hands in the air and said, "Sorry, I can't help you."

In all the years, I have known John I have never seen him this way. We were 3 days away from being homeless. I tried to get information out of John. When I asked him where Larry was he said no one was there but him. He tried to call Larry, but his phone was transferred to another man whom we assume is his business partner.

This man advised John that Larry flew to Greece on Wednesday (vacation we assume). John told him what happened and he was not surprised, he said we have 3 families living in hotels right now. Later that afternoon, I could not take it anymore, I called Ed **. It was amazing, for over a month, he never answered John's calls and would not return calls. Ed answered my call (apparently he didn't recognize the number) and I asked if this was Ed **, he confirmed it was, I asked him for the name and phone of his manager. He repeated what I just said and I confirmed yes that is the information I am seeking.

He provided the information and I offered no explanation as to why I wanted it and I am pretty sure I did not identify myself. I called Ed's manager, Mary ** in Atlanta. I explained to her the reason for my call. I told her all of above information that I could recall. She asked me questions, like did we ever fill out a loan application etc. I explained to her as far as I knew no. She asked if we received any other paperwork from Bank of America again no. She kept saying all of this information would have been necessary, there are things that must be done for a loan to get to closing.

I asked her why ** would contact John and schedule a closing if they had not been given the okay by Bank of America. She could not answer that saying she would need to investigate. She also could not believe that Ed would not answer his phone or return calls. She said that was out of character for him. I asked her if that were true then why on several occasions did John get the message that Ed's voice mail box was full? Again, she would check. Mary brought up something that was the most amazing thing I have heard during this whole process. We were discussing Christy's file being empty when Ed checked it. Mary said, "Well, that was really strange, how she left." I asked her, "Who left?" Christy left Bank of America. The time frame she provided to me was right around the July 4th holiday. She said Christy did not provide any notice of leaving, she just walked in and resigned.

I found this to be very disturbing, since that was only a few business days after we provided her with John's very personal information. If the file was empty and within the last 30 to 45 days John had received phone calls from Christy to advise him ways to bump up his credit. John assumed she was still with Bank of America. No, she was now with Fairway Mortgage. We have never provided a permission statement to access any of his personal information we actually had never provided Larry with permission either.

Our concerns at this point, did Christy take all of our information with her when she left Bank of America? Mary advised me she would investigate all of this information and contact us back before close of business.It was around 5 p.m. and no call from Mary, so I called her number. She answered and advised me she was on the phone when I called and the caller was on hold. She explained she had been on the phone for over 3 hours (every since we hung up). She promised to call me back. Within an hour she made good on her word. She explained since my name was not on any prospective loan she would need to talk with John. I understood.

Mary advised John as she had me that Bank of America's computers were locked within regard to USDA loan as they were not accepting applications for those loans and had been since April 2010. John said then why would a loan closing be scheduled when this was made clear all along. I think we all agreed there had been too many people involved the entire time. Mary said they could do an FHA loan with approximately 5, 500.00 down and a bank statement showing we had the first months mortgage payment of somewhere in the neighborhood of $1200.00.

There was not much explanation of all of the other issues the bogus closing was not explained, she advised us she was not sure what we could do about the Christy/possible disclosure issue. She did say that Ed would be accepting our calls from now on.After that telephone conversation it was clear we were in no position to continue with Bank of America. We felt wronged by them and lied to by all involved. The only people who took the time to talk to us that day were Ryan ** of Beazer Homes (who could not really do anything except console our bruised feelings) and Steve ** of Freedom. Steve told John although his mortgage company could not front the funds for a USDA loan, he had a contact at another Mortgage Company that could and if John would send him some items he would contact them and call us back.

Steve called back saying that if we provided the items we could get the loan closed within seven to ten business days. In the meantime, Steve suggested we call Ryan ** to see if Beazer homes would consider renting us the home until we could close on it. We did and unfortunately, Ryan advised us that Beazer does not do that. Over the weekend, we received a call from Larry **, he told John there was not much he could do because he was out of the country. However, he did tell John that even if our apartment has been rented out, we needed to take a letter to the apartment manager asking them for an additional 30 days due to closing delays. He told John they cannot kick you out if you are continuing to pay rent and if they try it will take them over 30 days to get a court order?

We wrote a letter explaining the situation and asking for an additional 30 days with enclosed payment for the entire month of November. I was contacted by the apartment manager on the following Monday advising me she could not accommodate my request, because they rented the apartment and had no other 2 bedroom apartments available.

She said we could stay under November 17, 2010 and prorated the rent through that time. She returned my check and I replaced it with the prorated amount. We had to turn the utilities back into our name for through the 17th.On Friday November 5th in the afternoon, everyone Larry, Steve, and yes even Ed ** contacted John, advising him that the USDA had just re-released USDA funds even though all of these folks had said on several occasions, they had all of the information they needed, the laundry list was provided again. Ed even advised John that he and his manager Mary ** were going to prioritize our loan to the top of the list of over 1100 folks waiting for USDA loans. Well unfortunately, with all of the folks pulling credit reports and the fact that my husband was using a thieving company called First Premiere Bank to re-establish credit, they hit him with the second annual fee this year which placed a credit card with a 200 credit line (fee was 75.00) over the credit limit which caused his credit score to drop down to 607 which is the below the 620 needed.

Steve contacted us back and said you need to pay down your credit cards to under 25.00 but don't pay them off. You also need to activate the new credit card with Capitol One. Well we did pay those credit cards down to $5.00. We could not activate the Capitol One card because we had not received it in the mail (it was returned by the post office 2 times before we finally received it on their third try).

Steve ** and Larry **, pulled a credit re-score which they received in 3 business days. They have had this information since approximately November 15, 2010, the re-score resulted in a median number of 651. Steve then started asking for more pay stubs, bank statements and everything we provided before. We have a reputation for a 24 to 48 hour turnaround. The weekend before November 17th, we rented a truck and moved all of our belongings into a 10 x 30 storage unit which is costing $180.00 per month. We moved into Inn Town Suites. Since we have to rent 2 rooms, one for us and one for my daughters the cost is $400.00 per week. So roughly in excess of $2000.00 per month.

Since we only have a cook top stop, we are eating out more than we would like to which is about $40.00 each meal. We had to get shelter for our dog since dogs are not allowed where we are staying. Now all the while this was going on, John met with Ed of BoA, he filled out loan paperwork and provided a laundry list of his own John provided the information immediately. Ed too, planned to request a re-score. Unfortunately, Ed did not request the re-score until around November 18th. John spoke with Ed on the 18th and he told him he was ordering the appraisal and the re-score which should be back within a couple of days. He told John he met with the President of Beazer Home earlier that day and he promised him the loan would be closed by November 30, 2010.

John said so we will not be in by Thanksgiving Ed replied Don't give up on me yet. John tried to reach Ed most of the day on the Wednesday before Thanksgiving reaching him at the eleventh hour (as Ed is increasingly not returning phone calls again) only to have Ed tell him, he hasn't heard anything but have a nice Thanksgiving. Easy for him to say, I am sure he had an oven to cook Thanksgiving for his family. On the Friday after Thanksgiving John tried to reach Ed, but no response only voice mail. John did receive a call from Steve ** from Freedom mortgage advising John that having two mortgage companies attempting a mortgage for the same property was not appropriate, so therefore he was requesting John to send him a written statement saying we were going with Freedom Mortgage and not further pursuing a loan with Bank of America.

He told John that he was aware Ed had a copy of the independent appraisal but Ed would not provide a copy to Freedom Mortgage. Freedom was not willing to pay for the appraisal if we were not going ahead with a loan through them. After John got off of the phone, we discussed the call. First and foremost, we did not bring more than one mortgage company into the mix Larry ** did and he had not called since we were advised by Steve to pay down the credit cards and advised by Ed not to because he believed we were right where we should be. Larry told John in a smarmy tone, "Well, if you want to just put all of your eggs in one basket that is up to you." Larry was pushing Bank of America down our throats even though the first approval came through Freedom. Now, all of the sudden, he was pushing for Freedom Mortgage.

Secondly, our thought was have all of these folks lost their minds, we do not want to be in the middle of a battle between mortgage companies. We just want a home! Third, how brazen of Steve to ask us to commit to his mortgage company in writing when no one has made any commitment to us. John called Steve back and we discussed our concerns.

I told Steve we have been pushed and pushed and we are living in a sleeping room, everyone seems to have lost all thought on the fact that we have done everything asked of us and we are basically homeless as a result. Ed thinks Steve is a nice guy but he does not believe Steve can do the loan. Steve thinks Ed is a nice guy but he doesn't think BoA will close.

Steve stopped me right there he said, "Wait a minute, I never said that Ed was a nice guy." I do not think Ed is a nice guy. Steve asked if we had forgotten how Ed and BoA left us high and dry before. I advised Steve that we did not seek out BoA they contacted us on November 5th when the USDA released funding.

We have just been allowing whatever and whomever to get us where we need to be. Steve said, he should hear something back from underwriting and would call us on Tuesday November 30, 2010 and we would talk about providing him something in writing then. John spoke with Ed on November 29, 2010, Ed told John we will have you closed way before Christmas. John and I agree way before Christmas is already gone. Ed promised to call John later that afternoon, he said he should hear something from underwriting by Tuesday the 30th and would let us know.

John spoke with Ed again on Wednesday December 1st after trying all day to reach him. Ed said, he will have us in the house by Christmas no longer way before, no longer in time to be settled by Christmas. We have not heard back from Steve ** and Larry ** is not returning our calls. We have pretty much depleted our savings and we are still in a hotel, renting 2 rooms each week. My personal observations here are our Government strives to bail out institutions such as the ones we are dealing with. These companies scream the loudest and from the place I sit their wounds are self inflicted. They have no genuine concerns for anyone, the internet is full of complaints about delays and large fees charged to customers for administrative errors which go unresolved and uncorrected.

This is a poor way to do business. Another concern I have is that Larry ** appears to be an independent fisherman with untraceable roots. He places ads in the local newspapers, which are borderline fraudulent, luring in guppies (such as my husband and I). The larger guppies get homes (possibly) and the smaller guppies end up living with family, friend, having to pay for housing beyond their means and some I am sure end up on park benches.

The beauty of Larry's profession is once he has his catch of the day he sends them to Ryan, Ed, and Steve for them to do all of the work, so he and his fat cat self can pull in 3.5% at the closing. He is strictly behind the scenes. He does appear to be brains of the whole process. His job is to take the guppies no credit, bad or scarred credit and make it look shiny and new.

They have lost sight of the family they are destroying. I haven't lost sight of that because it is my family and I am very angry.

According to Wilshire, when the loan was sold all payments was current and our first payment with our new amount of 719.20 was to be due on April 1, 2010. By that time, BAC had our loan and we made our first payment to them.

Prior to making my payments, I asked the BAC representatives every time I made and payment if everything was approved and accepted with our modification. BAC representative stated to me everything was find, I made April, May, June, and July payments to them of 720.00 and they accepted all the payments with no reservations.

In September, we filed for Chapter 13 Bankruptcy because the Home Owner Association (Keeneland) was trying to foreclose on our home for payments owed to them from the precious Chapter 13 Bankruptcy. The HOM had a sell date of October 4, 2010, so we had to act fast. We had to file for Bankruptcy again to save our home.

I called to inform BAC Home Loans that we had filed for Chapter 13 and provided them with a case #. (Per my attorney office advice) Then at that time, they begin to discuss the modification with me. The person I was speaking with said that I would need to fax them in the modification agreement from Wilshire and I did, I faxed the agreement and the paper work that was blessed by the Court.

I never heard anything back from BAC or never received anything in the mail from them. BAC filed a large claim in the amount of $35,076.09 with there bankruptcy attorney Brock & Scott, PLLC 5121 Parkway Plaza Blvd Suite 300 Charlotte, NC 28217 phone # ** fax # **.

This amount includes payments from April 1, 2009 through November 1, 2010. They included payments that was already factored into the modification with Wilshire, in additional to that BAC did not gain procession of our loan till April, 1 2010. How can they come after us for payments in 2009? My complaint is against BAC for not accepting our modification and filing such a large claim for money owed to them when they did not have procession of the loan at that time. In addition we never, ever, received any paperwork or phone calls regarding this matter before they sent to their attorney. The attorney for Bank of America indicated that we did not respond back to their client. The only request they asked for was proof faxed to them of the modification and I went to the local BOA bank in my state and had them to fax that information to them.

At that point, I never heard anything back from them. We have not received any foreclosure papers from BAC but they included that in the claim that was filed by there attorney.

When they received our modification we had and agreement from Wilshire and I have the paperwork to prove that Wilshire had agreed to the modification. Why Wilshire sold our loan once the modification was approved. I do not understand. Do we have any rights? Can BAC just reject our modification and come after us for money that was already allocated in a previous loan agreement? BAC has caused a great deal of stress to me and my husband and they have not communicated with us at all. I have done all the calling into them.

We have not received anything in the mail from them regarding all these charges or the denying of our modification. We was presented with this information once we went to bankruptcy court. If they claim that they sent us something, have them to provide copies of it to your company. My second complaint with BOA involves their property claims dept. I am filing this complaint to BOA property claims dept. My car was set on fire on October 12, 2010 around 1:30am my car was outside my house which was parked close to the house. In a result part of the house was affected by this damage. State Farm sent a check for the damage within two weeks, because BOA name was included on the check it had to be sent to them. I mailed the check to BOA on 10/27/10, within a week I was calling them to make sure they had received the check and the information they needed from the contractor. I was informed that they had received all the information and that there was a process that had to do before they mail the check back to the contractor.

I continue to call in daily at least, around November 15th, I was given date when the check was going to be mailed out I was told that it would be mailed out on the 17th, 19th etc. We were even provided with a check # but still no check.

Last week, I was told that we would need to stop payment on that check and another check would be order. I stopped payment on that check 12/2/10. At this point, I was told that it would take 7 to 14 days and the contractor should receive the check via FedEx.

I am concern that BOA is just giving us the run around and have no intention on mailing us the check back. I explained to them that my house is on the corner and it is and eye sore to the community but most important I need my garage I fear for my life every night thinking that someone is going to set my car on fire again. I wake up all night looking out the window to make sure my car is safe.

We have pleated with BOA so many times trying to find out why they haven't mailed out the check. Can we please, please, get them to mail out the check to the contractor so that he can begin repairs on our home and I can sleep at night when my car is secured inside my garage. Thank you so much for your cooperation and understanding in this matter.

This is where our mortgage became difficult to pay. We went from paying $1700 (roughly) to $1923 a month. What happened to that fixed mortgage payment? I still don't get it. That was December 2006 when it went up. I was diagnosed with breast cancer February 2007. While battling cancer, chemotherapy, radiation and many surgeries, and getting behind since I was on disability (60% pay), BOA would not help us. We made "too much money". Even though my pay was reduced for 4 months, funny how we still made too much money.

BOA bases your income on a 5 week month every month, which if my husband and I did get paid 5 weeks each and every month we would have an extra two months salary to catch up on the mortgage. Funny, but a month is 4.33 weeks if they want to get technical. They should also not count your "gross" pay as what you are actually living off of, because you are only bringing home your "net" pay. I told them if I actually brought home my gross pay, we would not be in this situation! They made it impossible for us to qualify for any program while I was sick. I dealt with person after person, way too many phone calls, no one would call back. They said to "wait".

They offered this and that; the funniest program in order for them to even "consider" modifying our loan, they asked us to pay an additional, yes, I said additional monthly amount on top of what we already pay. I said did you hear what I said? We are struggling to pay what we are now with me on disability. They offered this more than one time. It makes no sense. And as I read all these complaints, I see many have gone through the same. "Do this for xx months and we will see," and then they turn you down anyway.

I submitted paperwork about 4 times. No one seemed to receive it except for one time, which of course we did not qualify. More recently (actually August of 2009) I called to update what I thought they had on file and I was told they don't keep the paperwork and I would have to start the process over. I was bringing home $200 less per month and wanted to let them know I was bringing home even less money because I had to take out a loan on my 401(k) to pay 2 months mortgage to catch up to stop their Intent to Foreclose. So now my "net" was even less. They didn't have my paperwork on file or any info that I had been dealing with them.

After screaming at them on the phone as I finally lost it, funny, they found information in their records, but still no paperwork of my modification work I sent in. I gave up. It's amazing how difficult they make it to deal with them and how long you have to wait to hear something back from BOA, but boy, are they quick to send out those Intent to Foreclose papers and call you everyday when you are late. I kept in touch with them too and let them know what was going on with our finances and our intentions.

After each time I'd call for help, all of 2006 and after BOA kept calling us to "borrow against your equity," "refinance your loan." I told them they were idiots and to read their files on how much they have rejected me. And just to make them feel bad, I played the cancer card, too. They were ticking me off. I have dealt with so many rude, short people on the phone. I begged to please tack the overdue month to the end of the loan. No. We have been struggling with this economy and my husband has not been making a full 40-hour week (plumber) since 2008. Our credit rating has gone south when they raised our mortgage and I was off dealing with breast cancer. Now they won't even let us refinance to a lower rate. Our credit was so good and yet due to cancer and BOA's refusal to help honest Americans who are paying their mortgage, it is shot. Fifty percent of my husband’s and my net pay are going towards our mortgage now since they raised our rate. I have a fixed mortgage.

How can they raise it? If our payment was what it used to be and my husband was getting his full 40-hour week and the "world" would stop raising prices on gas, groceries, utilities, we could handle it! BOA needs to help these people and us. They need to bite the bullet, refinance (with no closing cost fees) lower people’s rates regardless of lost good credit standing and make their payments affordable in these hard times for people who are honest about their situation. As I read these stories, I can totally relate. Something strange is going on. I feel like there is some fraud with this escrow thing. I am just too tired to deal with it. I had more complications from my cancer this October and worked about 6 days. We got behind again in the mortgage trying to catch up. Again, if we could only get our payment lowered, we could handle it better, raise our scores again, and maybe buy some decent groceries! I am just losing hope.

Someone needs to make the banks honor their part of the agreement under the troubled asset relief program. One bank representative had been so bold as to tell me they shouldn't have to honor tarp because the banks have repaid all our tax dollars we borrowed to them. I propose a federal investigation into all these bank's deceptive practices. We need federal banking regulations reimposed! The banks have invested in all our mortgages on both ends. No matter what happens, they still make a lot of money. This was a systematic way to shift and secure power on wall street and the white house. The banks do not care if families are kicked to the curb. It's capitalism at its worst and we are letting this happen. It's up to our representatives to start the investigations.

I have been in contact with my senator Max Baucus only to find his office refuses to help me. I just get the same old runaround. British Columbia will be my next home. Welcome to the start of our county's third world status. You are watching the middle class disappear forever unless something is done. Something has to be done!

The next 30 days went by with nothing, no letter, no nothing. I then called again and again and I got the run-around each time I called. I was so frustrated I got a little more pushy and it paid off. I got someone from the BOFA Status Department to give me an exact date of when to expect our answer. The date was November 23rd and the guy went as far to say that the trial loan documents were on their way. We were so excited because we thought it was going to finally happen for us.

November 23rd came and went so I called again. The status representative said sometimes it takes a few extra days from the original quoted date. I then proceeded to ask him if it showed in his PC system what we were going to receive via FedEx? The BOFA Status representative said we were to receive loan trial documents. We were so excited to hear another representative reaffirm that trial papers were on the way. Finally, November 30th we got our FedEx envelope, but to our surprise inside was a denial letter for the loan. I called to complain and got nowhere.

I then wanted to see why we got declined, so I got transferred to the decline department. Their reasoning for the loan decline is we are current on our payments. I told the representative how can that be one of the guidelines to get into the program is to be current. Bottom line BOFA is stonewalling us. I'm writing to you to see if there is a direction you can point us into to maybe help us out. We do not know what else to do! Thank you for your time.

I continued to make payments believing there was no problem, having no reason to think so. In July, I was notified by phone that a payment had been missed in February. I promptly made a second payment to get caught up. I was still in the process of a divorce and was very diligent about protecting my credit score as I knew I was facing buying my ex-wife out of the house and would need to refinance the house in my name alone. For almost 3 years, I made all my payments on time, despite the stress and expense of the divorce. I missed one payment, but by the time I was notified about it, the situation had created a series 6 late payments which were reported to the credit bureaus and very negatively affected my credit. I have repeatedly asked Bank of America to address this situation to no avail. At worst, bank of America is remiss in not notifying me of a problem regarding my account. Their poor customer service and questionable inaction has caused me significant financial harm.

I am finding it impossible to refinance my house (which I have been ordered by the court to do) because of 6 months rolling late payments that was cause by one payment not received. At best, this is all a misunderstanding that could easily be resolved by Bank of America if they had any decency or sense of customer service.

I have filed a dispute with all three credit bureaus - Experian, Equifax, and TransUnion. I have also filed a complaint with The Commissioner of Financial Regulation for the State of Maryland. Bank of America claims they have thoroughly investigated the situation and stand by their negative reporting on my credit history.

In light of the negative media coverage of their lending practices, one would think they would be open to resolving this situation amicably. However, judging from the tone of the customer service people I have dealt with on the phone and by mail, this is not the case. I am exploring every available means to have this ongoing dispute addressed and rectified. Any assistance you can offer would be greatly appreciated. Thank you in advance for your attention and consideration in this matter. Please feel free to contact me by mail or telephone.

Then we both lost our jobs and fell behind again, only to again start the battle. We fought for unemployment and won our cases. But it took 3 months and once again borrowed money from family to bring payments current. BAC lost all the paperwork. One time, we made too much, the next time not enough. We went behind our payments which were $822.00 up from $734.00. They would not even work with us on our payment plan.

I was told yesterday, November 26th 2010, by five Customer Service Representatives with Bank of America that I have been declined for the program effective November 11th 2010 but never received a formal letter from Bank of America. These five Customer Service Representatives were just surprised that I never got a letter of denial.

I wake up this morning and I have a message from the Make Your Home Affordable team requesting additional documentation; they are incredible. I'm now told after I faxed in the additional requested information that I would be assigned an underwriter which I don't believe! I am current on my mortgage payments but I am ready to give my worthless piece of home and property back to Bank of America due to this nightmare program I have gotten myself into. How is this legal and how are they getting away with it?

My story is lame compared to some of the ones I've read here today. I know how I feel and I really feel bad for the people that have been treated worse than I have. When is someone going to put a stop to this insanity? It is a very humiliating and stressful process that should be illegal.

Bank of America is a sham and I believe a class-action lawsuit is a very real solution to this fiasco!

I spoke to a customer service representative explaining that we need a statement issued in order to pay the loan. I have received three more collections calls in the last two days. I spoke to Mr. Frank ** with CSR number ** on November 23rd at approximately 12:30 p.m. central time at the phone number 800-669-6607. Not only was Mr. Frank rude and snide about the situation, but he refused to let me speak to a supervisor, stating that it would take too long for me to hold and would cause others waiting in que behind me to have an excessive hold time. The issue is that I have requested a statement twice from Bank of America and I am still receiving collections calls and have still not received a statement.

If we do not receive a timely statement, we will have a double payment in December, and possible late fees, and the consequences of having our account put in a collections agency situation due to no fault of our own.

We got a letter in the mail a few weeks later stating that our Pay26 was denied. So, I called again and spoke with another person. She told me that the only thing she could see was that I was not on any pay plan. I told her the situation and told her that I wanted to get signed up for the pay26 plan and that I needed her to withdraw $1021.19 from my account to pay the full October payment (they already had the rest of my money from when I was actually enrolled in the pay52 plan. $1021.19 was the difference and by withdrawing this amount, I was, I thought, paid for my October bill). This was October 4th. She withdrew my money but never paid my mortgage.

We are transferred to another department and speak to someone else about signing up for the pay26 (my husband is on the line with me each time we call). We get signed up - so we think - and are all set. A few weeks later, we get yet another letter saying that we aren't signed up for any pay plans and we start getting letters that we are now in danger of foreclosure.

It's now November 15th! We called for a third time and during this time, I find out that our October mortgage hadn't been paid, as it should have been and we have had nothing taken out for November, either. She then tells us that she only sees $1021.19 in our account - but it hasn't been applied to any mortgage. Where's the rest of our money? She doesn't know and offers to send me a ledger of what they've taken out and where they've applied it.

It's November 23rd and I still don't have this document. She also tells us that she doesn't see that we've ever signed up for Pay26 and that our account shows no conversation with the pay26 person at all. Until we get our account current, they can't do anything about it. So, they have months of my money, but won't apply it (and say they only have a portion of it) until we get current. That's $5400 that they want us to come up with before they will even talk to us. We've paid our October bill now and have had to sell stock to pay for our November bill, which we haven't paid yet because we are waiting for the stock to clear.

We have had to sell stock in order to get current with our account, which should have been current all along. We will have to pay taxes on that money - and we lose that stock. They have our money but won't apply it to our mortgage until we spend more money with them.

But because this liar loan increased our payment, we could not afford the property taxes which we would have had the broker kept his word. With my husband out of work, I put in overtime to keep current, but in no way could we afford the adjustment. I spent months upon months following all the advice of Home Loan Services, fax, refax, lost paperwork, flat out lies, abusive customer service all in the name of trying to save my home. But after my applications were denied for various reasons, they contact us when the hardship is over, we make too much, we don't make enough, we get qualified for a short FHA refinance which we did. The end result would be denials with more lies.

We were told it would be better if we were behind on our payments to receive help. We were told the investor after months of **** doesn't allow modifications. We were offered a modification twice for way more a month than we could commit to, like 75% of our income. Having no choice but to default when it adjusted even with them telling me help would come faster, the only thing that came was my auction date right on time with of course robo signers, assignments after the fact and of course no help at all.

When I say foreclosure has been the goal here, please trust me. An investigation into this, I have no doubt, would prove it, but who? Let me make this clear. We are not deadbeats that bought too much house. I based our payment on my full time income being my husband is in the Union. We did not use it for an ATM. We did however, get caught up in a circumstance. We have paid dearly for giving our trust to professionals that left us filing Chapter 13 after missing eight payments total in the almost seven years we have been here and felt the only option left to keep trying to save our home. We were desperate for protection from being foreclosed on.

In my research, the proof of claim is bogus, ** Bank along with MERS and the long list of beneficiaries does not truly have a claim to foreclose, thanks to all the slicing and dicing. Many months ago, I asked for a payoff statement. I got three in one week. Each adding $10,000 in fees. How can one letter to the third add $20,000? It's sad, but true; we missed eight payment and got behind on our property taxes, but how can a loan balance go from $378k to $442k? Do those numbers add up to you? My home is only worth $225k, but I assume the insurance in place will payoff much better than a principal reduction they say is available, but I have yet to hear one person who received that. I've sent QWR's and got lame replies. I've hired an Attorney to advocate for my family that was ignored. I wrote them to validate the dept; that too was ignored. I've written letters asking to show me how they denied us or called my negotiator a dozen times, only again to be ignored.

Do any of you know how this feels or what it does to a family that only wants their lives back that has worked hard to keep their home? It breaks us down and leaves you broken for months on end wondering if your marriage will survive or any relationships you used to have when this takes over your every waking moment, having your days start with tears to puking in the shower, getting ready for work praying for a miracle to show itself. I was in fact a bit surprised how clueless many were that are not living this main street American life at recent hearings. I also wanted to scream out loud. Thank you to the others that stepped up trying to get our message across. I listened to every word Barbara Deoser said about her goals in helping homeowners. Is what is truly going on so far down the food chain from her?

She believed what she was testifying goes on at BofA. Or like my case and many others, the only help on the way, is seeing us use our front doors for the last time for profit for that is the goal my world has come to know. In October of this year. our loan is being serviced by BAC. The first words out of the customer service rep was they had not received a payment in eight month! What are they pulling now? Was that the only eight we missed that are included in the B/K we have made each payment plan on for over a year? If that is the missing key, where are those payments going? They can't answer my questions, but want me to go back to my bank statements to prove to them I made the payments on time so they can apply them to my account. No one can tell me where those payments we made went.

I explained the real help we need is to go back all the way to ordination to now and make this right. BAC will only deal in the here and now wanting us to apply for the half dozen time for a loan modification when we just did that months ago with again the payment amount much more than we could commit to without defaulting at some point down the road. The stringing us along to add fees, denials and stall tactics with lies won't help our today if all those yesterday's are not resolved! Yes, many times I have contacted the OCC, Treasury, AG's, all housing agencies, every department in Washington and California I could find along with every elected official and many CEOs to resolve this by getting much needed help to expose why we have been lied to so much, but guess what? Not one stepped up in a way that could have saved my family from all this heartache, torture and abuse. Is anyone there now?

Everything I have experienced for years is coming to light. After all this short version of the last several years I have one question. If the powers that be really don't have any power to step in, please be honest and tell me my real options to resolve this. If you truly believe our only option left is to quit making our mortgage payments to afford an Attorney, please know that choice will not be an easy one to make. However I can't do both. I also can't keep waiting living in fear for what will come on the bank's part kicking us in the gut so hard you can't breath again. This loan is set up to fail based on lies and the goal of foreclosure that has become trying to survive a plan we never signed up for. I'm so tired of trying to survive this. I very much miss having my hard work be for living a life with joy and dreams.

Thank you so much for your time in reading this. I'm very sorry it is so long, but trying to get my message of the last four years is hard to try to make my points, begging for the help, find accountability even if it is us that have it here too. Please really look at us without a hidden agenda profit in mind. Our home is a 1485 square foot 1969 ranch. We are a two family household. My husband Brian and I, my daughter Kimberly, son in law Cody and baby Kaitlyn Rose reside here. We all feel with the shape of the economy having our roof over our heads is our top priority. Please make it yours too.

I have complied by faxing documentation and followed up with the modification department on these days: 12/3/09, 1/6/10, 1/20/10, 2/6/10, 2/12/10, 3/4/10, 3/10/10, 3/15/10, 4/6/10, 4/14/10, 4/26/10, 5/6/10, 5/19/10, 5/26/10, 6/15/10, 6/18/10, 6/22/10, 6/28/10, 7/1/10, 7/9/10, 7/19/10, 7/23/10, 7/27/10, 7/30/10, 8/4/10, 8/16/10, 8/23/10, 8/25/10, 9/3/10, 9/10/10, 9/20/10, 9/22/10, 9/20/10, 9/27/10, 9/28/10, 10/7/10, 10/12/10, 10/20/10, 11/9/10, 11/12/10, and 11/18/10.

They continue to tell me is under review and I will be consider for a modification , I am emotionally exhausted Bank of America continue to play games and lie about the modification. I wish you can investigate how they process their modification I believe you will find abnormality, In addition I want to file a complaint for the misleading, misrepresentation of Bank of America toward the homeowners they should comply with the government regulation. I want to keep my hone it is causing an emotional stress in our live please I need your assistance.

Every week for about a year I would call BOA and they said I was still on the list and they are working on the modification. After some time I was making regular payments and forgot about calling every week to see where my modification was. Fast Forward, I was just late on my October Mortgage payment by a month and a half. I went to the bank today to pay both October and November payments but they wanted close to $1,000.00 extra to get me current as there was some "fees" $926.99 to be exact. This is because I missed to make the October payment within 30 days.

What the ** is that? They are fast to assess fees and send me a letter stating that some fees may be involved but when it comes to getting my loan modified, I am still waiting. So, what am I supposed to do with this $926.99 fee for being 31 days late? I was willing to catch up and pay the normal late fees for November but I only had enough money for October and November's payment and regular late fees not the added $926.99 fees for November to get me current. Can you please help me with either the crazy late fees or better yet get me my Loan Modification. Loan sharks are starting to look better than banks.

I owed no money to any other creditors except BOA. I then contacted a HUD representative that was listed on the website to help me with the process. I contacted one of the representatives and explained that I am struggling to stay afloat with my mortgage payments. I've been under several doctors’ care and going for various tests plus I was put on various medications and therefore, I was struggling to pay my mortgage. Although I was still current, I didn't meet any of the criteria for these programs. So, I was stuck.

Three months went by and this representative just yanked me around and basically did nothing to help me. So, I contacted another HUD counselor. In the mean time, I had contacted BOA and I was also getting the run around. The 2nd HUD representative said that I needed to find out if the first HUD representative was my counselor of record and until then, she couldn't help me. So, of course, I contacted BOA again and they didn't know what the heck I was talking about. So, I contacted a 3rd HUD counselor. I started the process with them however, finally, I received an application from BOA to do a modification. I filled out the questionnaire, sent in all my information required and months and months and months went by. I called every so often to inquire and I was told that my file is still pending and they were waiting on information from me like the SS information. I sent it to them three separate times. I received a temporary 3-month agreement for a reduced mortgage payment but I was also told I was in default because I wasn't paying the full monthly payment.

Either BOA called about my late/partial payments or I called and I was transferred to one department then another and disconnected or I was transferred to another number and was on hold forever or I was told to call a specific number and would be disconnected. I could never reach a representative from the bank and when I did, it was the wrong department or the wrong number. At this point, my health problems escalated. I was being tested for various autoimmune diseases and put on various medications and it was costing me tremendously. I was also told I had cervical cancer and I was consumed with that. I had my first surgery in April and at this point, I couldn't afford my loan payments anymore. I finally found someone who could help me and I was able to borrow money to bring my mortgage current. Again, I am still waiting for the outcome of the modification request.

Finally, in June, I received a letter stating that I was denied. One year later, after my initial contact with the bank, I was scheduled to have a second surgery for my cancer in July. I called BOA 2 weeks before and said I wanted to work out a short sale or a deed-in-lieu because basically I have no money, I have no way of coming up with the money, I have several health problems that are taking precedence and to avoid the necessity of foreclosure, I just wanted to deed my house over to the bank. BOA has been jerking me around for over one year so I will just take it and be done with it. I was going on disability and with all my medical bills and prescriptions bills, I couldn't afford it anymore so I told them to take it. They told me I had to list my property for 3 months in order to be eligible for a short sale.

A few weeks later, I received a letter from BOA saying that I was accepted for a modification. Not sure what changed in that time but after looking at all the fees and my payoff on the loan, they were tacking on a tremendous amount of money at the end and basically the few dollars I saved each month on the modification wasn't going to help me at all. In fact, after looking at the figures closely, the bank was trying to sponge every cent they could get out of me through this modification so I declined it. Did they think I was a fool? In the mean time, I got a letter from the bank asking what I wanted to do, short sale, deed-in-lieu or deed-in-lieu and rent from BOA. I checked them all off. I was sent yet another form to fill out what I filled out 3 times already with all the same information I had previously given to them.

A few weeks later, I was served with a foreclosure complaint. I guess all the time I tried to negotiate with the bank, in the end, they were just going to **** me anyway. I filed an appearance pro se. I haven't paid my mortgage since they are foreclosing on me and I wait and wait and wait. Note that I was honest and cooperative with the bank from the beginning but they don't know what they are doing. The left doesn't know what the right is doing. Each person you talk to tells you something different. Had all this been addressed properly when I first contacted them, it would have been resolved with less money spent by the bank and less aggravation and stress on my end. So now, I still wait to see what is going to happen. I've been on all the government websites and they all state to work out an agreement with your bank. I tried that but to no avail. I don't know what else I can do. I have no money. I am hesitant to deal with any attorneys that try contacting me because of all the scams I hear about. They all want money that I don't have. I don't have any family to help me out financially either.

I called BOA today only to be told that yesterday, 11/17/10, a release had been filed in the bankruptcy court because the court orders have not been followed. I have no idea what they are referring to because I have proof of every payment. I was given the name of Delice **** at **** and I was told to contact her because she was the original negotiator on my modification. I called that number and was told that no such person exists. I am afraid that whatever paper was filed in bankruptcy court yesterday is going to force me out of my home and leave me and my children homeless. No matter who I speak to at BOA, I get a different answer. This has been going on for over a year and a half and I do not think BOA has any intention of finalizing a loan modification for me. I do not know what to do or where to turn. Can someone help?

I would call from time to time to check on the loan modification and was told each time not to worry, there was no sell date on my property. I finally obtained a job in September and called to see if I could make up the back payments and was told they would no longer accept my payments and to wait for the loan modification. I called every week to check on the loan modification and in November, I was told my home was in foreclosure and had been since September. When I asked why I had not been notified, the person on the phone said they had sent me out a card in August stating I could pay the back payment and catch it up, that I was suppose to take the card to the post office and pick up the letter. I explained to her I never received any letter from the bank.

The lady stated I would be receiving a letter from a lawyer stating how much it would take to reinstate the loan and that would be coming in a few days. I waited for over a week and still no letter so I called back and of course every time I called, I was told something different by each person I talked to. Finally, I called and someone gave me the number of the lawyer but for a week I could not get through because the mailbox was full. I called them back and told them about the problem and she said she would call for me and of course, she could not get through either. I was told to keep trying the number and after four days, I was able to leave a message but of course the lawyer never returned my call.

I again called them back and they said they could give me the amount needed for the reinstatement. I was behind $6649.64 and was told I needed to pay $8774.67 by Monday. I explained to her that this is Thursday. How could I pay that amount of money in 4 days? I also asked why was I not notified of my home going into foreclosure the bank never sent me anything and I was told that they didn't have to notify me and that she was now notifying me over the phone in October. I knew at this time Bank of America was just trying to take my home. They did not want to work with me nor did their lawyer so I was forced to file for bankruptcy to try and save my home.

I've had this home for 13 years and have been with Bank of America for only 5 years when I refinanced with them. Big, big mistake. My home is valued at about $250,000 and I owed $161,000 on it. They were never going to give me a loan modification because I didn't have a job at the time. They were just holding me off until they could take my home. I was told to called back in December to check on the loan modification and by that time my home would have been sold.

To everyone out there, don't trust Bank of America. They are nothing but crooks trying to steal poor people's home. I'm a grandmother taking care of my grandchildren. Where would they go? I know some people will say if you don't pay your mortgage then you should be put out. And to them I say, if you never lost your job I'm so happy for you but sometimes things happen beyond your control. I worked hard for many years for my home and to have it put into foreclosure without even a letter is not right. Just because you are a big bank, it does not give you the right to run over people.

I made another partial payment and then BOA sent a letter stating that I did qualify and that I needed to sign another loan contract. As I read the contract, it stated that they were going to take all the principal and interest of 7.65% from my first seven years of my original loan worth $158,000 and stick it in their pockets--and then, make a new 31-year loan at 2% for the first year, 3% the second year, 4% the next and 4.5% for the last 28 months.

I calculated it up and was going to pay an additional $65,000 on top of the original loan amount. I said "no way," and they said, "well, that's all we have to offer." After that **, I have lost my job and have been unemployed for three months--that puts me behind on my payments by $15,000. I contacted BOA again and they refused to help in any way or form. They said that if I can't come up with the $15,000 by Dec. 15, my home will be sold at auction and they will be the buyers. I asked if they could put the default on the end of the loan and I would still be paying interest on it but they refused. I worked hard on paying the first seven years. That's the way they treat all of their customers.

I have yet to hear one good thing that Bank of America has done to help with this housing crisis. ** them. All their going to get is a pile of ash on an empty lot. I suggest that you do the same. Five years in the penitentiary and I'll have a roof over my head and three square meals. See you in five years.

The only response I get from the Bank of America is “We are working on it and we cannot do anything until the money is released by the government.” I have heard that same statement for almost 15 months now. And it does not seem like the Bank of America is doing anything and the other two companies are pushing off the responsibility to everyone else. Equity Accelerator’s address is PO Box 6505, Englewood, CO 80155, phone number 1-800-209-9700. TB&W’s address is 1477 N. Magnolia Ave., Ocala, FL 34475, phone number 1-888-225-2164.

Since our initial contact with BAC, they have sent us so many letters (25+) threatening us because "your account is delinquent" it isn't even funny. Almost every time we get one, we call BAC. The last representative we spoke to, again, assured us bailout money had started clearing and not to worry. At that time, we asked 1) lots of late charges were accruing due to this? We were told they would be taken off our account, don't worry. 2) Will any of this appear on our credit report? We were told that until the whole Taylor, Bean issue was resolved it would not be, don't worry.

Much to my dismay, we received another mailing from BAC, explaining how bad we were for being so delinquent. The same day, we also received a letter prompting us to look at our credit report, which we did. Looking at the credit report, we noticed that BAC has been reporting to the beaus. They're saying that not only do we owe the lost payment, but all the late charges appear to be there as well. It shows a late payment, which is an outright lie; we've never been late on our payments to them, ever. It also looks like they're expecting $30 a month more than we were paying Taylor ** and were not told? How does that work?

On 10/16/2009, I called Bank of America and a representative advised me that I had receive a package for a pay plan program and I was to start the payments. I told her I never got this package. She then put a request for a new package for the pay plan program. This way, I would be considered for a modification. On 11/16/2009, I was advice to resubmit all the documents again for a modification. I complied with Bank of America. On 11/25/2009, I send additional documents requested by the loss mitigation department.

I continued to call on 1/8/2010 documents were received by the loss mitigation dep. 1/13/2010 still under review. 2/11/20010 still under review. 3/24/20010 still under review. 3/30/2010 I was eligible for the AG program. 4/2/2010 still under review. 4/6/2010 needed up dated documents. 4/14/2010 got documents requested. 4/30/2010 still under review. 5/6/2010 still under review. 5/9/2010 still under review. 6/3/2010 still under review. 7/1/2010 still under review. 7/15/2010 need additional documents. I faxed them.

On 8/18/2010, I called and was advice that I have been removed from the modification since 6/26/2010. I was devastated. All this time I was lied to and mislead. I have been faxing documents for what purpose? She just advice me to re submit the package again. I did not have a choice, I then resubmitted all documents again. At this time I have been faxing up dated documents all over.

When I contacted Bank of America on 8/2009, I was behind 5 month and with their misrepresentation and misleading information, I now owe them $85,547. This is outrage. I have been making my trail payments. I am requesting an investigation against Bank of America for their procedures and misleading, misinforming and for lying about my modification. I believe they are not in compliance with the rules and regulation. I demand that they modified my loan and stop accumulating all the extremely fees and for them to reduce all the late charges and outrage fees. Thank you.

I had been unemployed since November of 2009. I talked to them on September 2010 and was not behind on payments, but could not afford the $851.00. I sent $787.00 each month, at which time, I talked about an Obama Home reduction. They sent papers containing "this charge and that fee" and nothing about what my reduction would be. So, I have dismissed this line of affordability as it only reduced a small amount--it would not help. And the way things are, I expect the mortgage to reach $1,000.00 per month soon. I also explained that I had applied for disability and had not been working.

I talked to ANPAC about the reason for continually raising premiums and they said, "someone has to pay for all the claims, and it doesn't matter if you file one or not," which I hadn't at that time. The premium has more than doubled and the mortgage increased from $650.00 to $851.00 in less than three years! The insurance commissioner in Oklahoma apparently has lots of friends in the insurance business to allow such travesty to its citizens take place. Doubled in three years is unbelievable! Tell the insurance companies to cut back on perks, overly high admin pay, race cars, jets and especially the multimillion dollar CEO severance packages and such, until the company gets back in the black.

It's companies like BOA and greedy insurance companies that are causing the housing and employment problems! When will our benevolent leaders in government quit stealing from the poor and giving to the rich? Because I have been put into a bad spot because of the greed. A once affordable house has become unaffordable. If I remember right, owning your own house was the American dream. If I can get out from under this nightmare, no more being a slave to 'juicers' and 'greed-mongers' that call themselves American companies. Isn't it something that both companies have the word American in them and are doing these things to their fellow Americans? What's wrong with that picture? I'm tired of 'legal theft' like this.

I again contacted Bank of America in October of 2009 to have my interest rate set back to normal. My request was denied for no other reason then it was not possible to do at this time. As I protested to the representative, she asked me if this interest rate of 24.99% was a hardship. Indeed, it was. At this rate, I would never be able to pay down the debt. She asked me if I would be interested in speaking with someone about hardship, that they may be able to help with rate reduction. I said yes and was transferred to another woman. I was never informed that this transfer was taking me out of Bank of America.

I believed I was being put through to another department within the bank. I was told that if I agreed to having one sum taken out of my checking account each month for them to disperse, to not use my credit sources and to purchase their book for $50. I could reduce that rate of 24.99% to 6%. I asked a few questions such as how will it affect my credit score if I do this; will I be able to refinance my home as part of this program? I was told most people see an increase in their credit score and no, there is no time limit on applying for mortgages.

In June of 2010, I contacted Bank of America about refinancing my two home line of equities into one mortgage with an escrow account. The rates had dropped significantly and I would be able to save just over $6,000.00/year. I began asking questions with the Bank of America representative, Sean. He took my information and went through the application process with me. I was told of an application fee of $450 at this time but it would not be charged to me if the loan was not approved. An appraiser was sent to my home. Sean had said if the home was to appraise for higher than a certain amount we could move forward. The appraiser wanted two improvements made on the house as the loan would be FHA but it had valued above the amount needed.

The improvements needed were completing an unfinished floor in my kitchen and repairing paint that was chipping on my porch. I put $1,000 worth of materials and work into the home so Bank of America would be satisfied. They sent a second appraiser out to check the work. Within a day of the second visit, Bank of America called to say the loan was not going to happen due to an oversight on their part. This oversight? I was part of a debt management program. After two requests, I still have not seen the credit to my account for the $450 they charged for the application fee.

Bank of America has now stated that their official policy is to not approve loans for those in debt programs until you have been out of the program for a full year. I wouldn't be in this program if Bank of America had not financially forced me to be. All phone conversations are taped at Bank of America so anything in this complaint can be easily verified.

I am now stuck paying 7.25% on my home equity line of credit, while interest rates are in the 4% range. I have just completed my 12th out of 36th payment to this debt program, so it is unlikely that I can better my situation for at least another three years. Bank of America never said I was being transferred out of their company, they never stated the ramifications of joining this program and they had no reason to deny returning the loan back to its original rate in the first place. I am losing $6,000/year by not having this loan approved, plus the $1,000 worth of work I put into the home and the $450 loan application fee that has never been returned! Bank of America was first in line to receive its bailout but would like to keep hard working, decent people scraping to make ends meet!

I have made over 20 phone calls to Jackson and BOA and they continue to contradict each other. I have financing approved to repair the house, but the lender will not fund the loan as long as it shows the foreclosure. Someone is lying to me, either BOA or Jackson (BOA's agent). Over the last 3 weeks, I have made a tleast 50 calls to BOA and my persistence is the only reason they acknowledged the error. They have put me on hold and hung up on me many times. I also question the amount that they say I owe them (the workout amount about $25,000). No one can tell me specifically what the charges are for.

We turned to Bank of America for help. We tried to get a home modification loan and that was awful. They drug it out for months. I called usually on a weekly basis, faxed them everything they needed (3 times) and stayed on top of things. We fell more and more behind, because it took about 3 months for them to do anything. Then they said we qualified for the forbearance program and were given 6 months with just paying 1/2 our payment. We were never told or given documentation that after the 6 months, we would owe the the lump sum of the other 1/2 payments. What good was that!

We then owed over $3,000, which they wanted right then and called us at work and at home and with mailings. They again threatened to take our house. We borrowed the money from relatives and were able to keep our house. I am sure some people have not been this lucky. This was in April. We applied for a car loan a few months later and our credit report said we still owed them. After several phone calls, we were told they would take care of it. I applied for another loan a couple of days ago and it is still saying we owe them after 8 months of being current.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

problem out.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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