Bank of America Mortgage Reviews

During this time that the payments were being made, I became suspicious because there was no payment confirmation statements mailed like Countrywide used to. So in august, I started mailing money orders to pay my mortgage. October 2009, I received another letter form BOA, stating that they still hadn't received any payments. After contacting them and being transferred from one department to another, I argued with several different reps to finally be told that the payments had been found and not to worry.

In January 2010, I received a letter from BOA saying that my house was in foreclosure and a hearing had been scheduled. The sale date was set for March. They said I had not made a payment in 11 months. I asked for a payment summary for 2009 to be mailed and was given the runaround. After calling several times and being hung up on, I finally talked to a rep and stayed on the phone for over an hour going over my money order payments. The rep did some digging and said that my payments had been received and used for attorney fees for foreclosure. I contacted several attorneys and was told my only options were bankruptcy or to pay the amount BOA was asking to stop foreclosure. I attempted to get the exact amount needed for three weeks from BOA and their attorneys. I was given one amount $10,300 and a couple of weeks later mailed another $13,100.

Then Bank of America came into the picture and this time, I signed and returned 2 loan modifications which were also denied after the fact. The reasons given were: documents not sent in, investors wouldn't approve it, tax lien, not qualified, no proof of home insurance, just to name a few. The one used most was documents not sent in. I have kept all letters, proof of faxing of documents (sent them 20 times in one day, record) all of the denied modification agreements. I have kept accurate records of who I spoke to, when and the time of day. I have an ARM and the payments are now too much for me to make.

I became ill in 2005 and was forced to resign from my employment. I thought that this would qualify for a hardship modification but I was mistaken. I understand that BOA isn't required to give a loan modification, but why can't they be up front about it. They raise your hopes and you do what they ask of you then they give you the red tape run around. It boggles my mind that when they needed help, they got it from our tax dollars and now that we need help, they turn their backs on us. There needs to be a class action suit and I would very much like to be part of it.

Subsequently, I inquired as to if I could lower the amount of my monthly payments by paying a portion of the escrow account in advance I was thereby told that I could not do that because they took the total amount due 2 X $866.65 taxes + $415.00 insurance and divided it by 12 to come up with the monthly amount due $179.03. I first spoke with Talisha ext. 4327 and then I asked to speak with her supervisor and was given the same information by Lynn ext. 6713. My inquiry was that I wanted to change the monthly amount to $775.00 versus the $814.07.

My argument was that I was able to do this in past years by paying a lump sum to the escrow account thereby bringing the payment down to the $775.00. I asked if the policy had changed and was told that it has always been this way. After making other inquiries, I realized that these two individuals had "dug in their heels" and were both agitated that I asked for an adjustment such as described above. In conclusion, my reasoning was that if an account can be increased then why it cannot be decreased by applying a prepayment to an escrow account. Lynn at ext. 6713 stated that if "I paid $10 thousand dollars to my escrow account, they still could not change the monthly amount of $179.03." I was basically forced to close the escrow account and make payments personally.

Bank of America claims to have never received the payment and cannot locate it anywhere within their files. I have called Bank of America at least a dozen times on my own and each time the customer service rep acts like I am lying and did not make the December 2009 payment. I have been working with Huntington's Bill Pay Department and they have sent the file transcript which contains the trace number for my payment to the Bank of America Payment Research Department. It took about six times of Huntington sending the transfer file documenting my payment to them before they even acknowledged they had received the documentation.

Bank of America still claims they cannot find my payment, even though they have Huntington Bank proving to them that I made the payment. Huntington sent Bank of America the Trace Number, File Transcript, everything they need to locate the payment I made. I have had several conference calls with Bank of America and Huntington together where Huntington has gone over and over the fact with them that I made the payment, and that they have sent all of the documentation.

Bank of America says they have received the documentation from Huntington on my proof of payment from Bill Pay, but now they won't accept it because Bank of America says it's not enough documentation. What else do they need to prove I made the payment? According to Huntington, I am not the only person that this has happened to when Bank of America took over Countrywide's mortgages. Huntington informed me that this has happened to thousands of customers and they are having the same problem getting this resolved as well. This has been going on now for three months and we are no closer to a resolution from the first day when my payment was lost in the file transfer from Countrywide to Bank of America.

Also, as I went to pay on my mortgage for Fed, I called the Bank and took $1559.03 from the account without my approval due to us being on a pay plan which was cancelled in January due to the conflicting balance. I have tried to reach the modification department, but to no avail. I requested the money to be returned and nothing.

So by January 1, there is still no negotiator, I call back. All this time, I'm not even being given a payment amount for what I should pay. I am sending payments, some are being applied, some are not. None are returned though. I call mid January and the same story: "just behind on paperwork, keep sending money, I'll hear something soon." I log into my account at least weekly to check the status. So in late January, I log on and there is no information on "workout".

I call Bank of America. I am advised I never applied for a modification. After two or three more people, I finally get someone who says that I have, that I have been referred from Mortgage Modification to the Obama Plan to see if I would qualify under that plan. I point out that I already had been denied by them and referred for a regular modification. So anyway, I have to wait for them to evaluate me for Obama plan again but "I'm definitely approved, don't panic." I told him at this point I've been approved for almost six months and still have no paperwork. I have no payment amount, no indication of this on my loan at all for anyone to see.

The page is up and down. One day I'll log in and it says my file is under review, don't call before March 8th. If I do it will slow down my decision? What decision? I was supposedly approved already six months ago?! The next day, it will say there is no workout information at all.

I also asked about the payments. I've emailed about a dozen times. They either send back an email saying they appreciate my email but could service me better by talking to me in person or they send back and email telling me when my last payment was and saying they can't discuss future payments at this time. I am asking what they did with the past checks I sent that they cashed, but did not apply to my account.

I continued to call on the status; however, I called BOA approx. on 1-28-09 and was told my modification was denied due to missing paperwork. I asked why was I not notified ,the representative stated that she did not know and I asked how can they review something and have missing documents. Why was I not told at that time. The representative stated she did not know.

I also have a concern because my insurance lapsed and I had to show proof that I purchased insurance. BOA has charged a ridiculous amount for them covering me. I asked if the amount was pro-rated because that amount is ridiculous if I actually have my own insurance. I also requested to receive a copy of the policy that they have for the coverage that they are making me pay on five different occasions and have not received it as of yet. I then received a letter stating that foreclosure is being put in place because my bill is now over $7000 and I was also told that I need to submit another modification form. I received a letter for foreclosure and I have not received a copy of the homeowner's insurance policy and there are sink hole claims that are being processed in my subdivision.

3 days passed--no figures. 5 days passed--no figures. I called and was told by another person that it was often up to seven business days. I told this person that I worried I would not get the figures in time for them to be valid (there are strict dates for which the figures are good for). She told me, "There's no chance of that happening." Two more days--no figures. I made another call. They offered to put the request for figures in again. I asked if they would be the same figures I already requested. Her response: "I don't know.” Two more days, still no figures. When I called for the fourth time a chipper woman told me not to worry, "The figures are good until February 26th.”

I received the figures today, February 16. Along with the cheerful information that the last date the figures were good for was February 17th. I received the figures literally less than 24 hours before they would be worthless. I tried seven--repeat seven--times to get a hold of someone at Bank of America. After literally 38 minutes on hold of my seventh attempt a curt woman told me, "All you can do is send them overnight mail and hope it gets here in time.” I didn't verbally abuse this person (who truly deserved it). Instead, I rushed to the bank and rushed to the post office and did my best to send a certified check from Wisconsin to Texas. My fear is the post office will be a day late and that, somehow, Bank of America will say it's my fault.

We only needed $100,000 to finish our home and were able to handle payments on a loan for that amount easily. After weeks of total chaos we were offered a mortgage that included a long list of debts that had to be paid off to companies we never knew we owed. We were told that these companies had bought out other companies that’s why we did not recognize them and that after paying on time for a few months, our credit score would rise and we could refinance at a lower interest. We were also told that time was of the essence because my husband’s health would prevent us from acquiring any mortgage if we didn't "lock in" now.

We had to borrow over $200,000. We believed this to be our only hope. It wasn't long before we realized that we had been conned into paying other people's debt as we became aware that the broker and the whole staff were gone and nowhere to be found. We later heard that they were all in prison for mortgage fraud. Now we have been offered a modification loan from BOC with higher payments after having done a 3-month payment plan, etc. How long can this continue? We have been living this nightmare for years. My husband's condition now requires me to be with him almost constantly resulting in my income dropping dramatically. We have a lot of equity in our home but are continuing to be manipulated because of our situation. We are barely making ends meet. How do we find out if all these debts paid off by our mortgage was legitimate?

I have called and talked to several representatives that finally believed I have made payments when I go directly to my bank to have the assistant manager speak to them about seeing the payments made or I repeatedly tell them myself which dates the payments are made but have to speak to many people and wait sometimes 20 minutes on hold to talk to the next person. Each person at the loan center stated that there has been no record of my contacts or conversations. No amount of promises that the situation will be corrected has been fulfilled.

My credit will begin to reflect this problem. I had been paying for years with Countrywide and cannot understand why this bank cannot see that payments have been made. I cannot afford to pay my mortgage all at once, as in once a month. I am afraid my home will be in line for foreclosure due to either new bank policies or business neglect. My only phone is a Verizon cell and the phone calls caused my minutes to go over the plan resulting in large cellphone fees. Nonetheless, the communication is lacking and I am running into a brick wall.

On 1/6/2010, my dishwasher broke and I called it in and like the washing machine, Stark came out and said the machine could not be repaired. Total Protect said they would replace it. You might say why did I agree after the washing machine incident, but I had not received the washer as of that date. The dishwasher came and was installed, and after I began to evaluate the features, I found it did not have an elapsed time clock, a short wash cycle, and also did not have an automatic water temperature feature. I called and spoke to a supervisor, Josh, and told him to remove the machine because it was not equal to the machine I had. He said why did I allow them to install it and I said I did not know it wasn't equal until they left. After weeks of back and forth, Josh said he would remove it and pay me 2/3 of the value. I am a handicapped person and could no longer wait to use this. Josh said he would send me my deductible to compensate for all the problems I had.

I cannot believe that BOA is involved with a fraudulent operation and if you think I am blowing this out of proportion, Google "Bank of America Total Protect" and see all of the complaints. I will no longer trust anything this bank has to offer. I have sent a letter to BOA about this and will make a formal complaint to the NJ Consumer Protection Agency. I do not think it is right for a bank to make offers that are not truthful. The contract clearly states that replacements must be equal or better not just anything they decide to send.

On January 10th 2010, I was notified that the taxes had been paid on January 8th 2010. I contacted Mr. ** and he said that it was nothing personal, noting that it happened to 6,000 other families in Wisconsin! That certainly did not make me feel better. To make it up to me, they have sent me a check for $83.40 which does not even begin to make up for my loss. I have not cashed it. I have written them to inform them that this is an insult and I would like more compensation. Not only could I only claim half of my property taxes last year and this year, 2009 taxes, I am not going to be able to claim my total taxes of $3363.03 and it will greatly affect my tax refund.

I am tired that this type of thing has happened two years in a row. They made a killing by sitting on top of so many people's escrow and collecting the extra interest.

I called BOA and spoke with a manager by the name of Jacquelyn at ext 5485 in Plano, TX who informed me that I had been placed on the Making Home Affordable program. I asked Jacquelyn who and when did BOA speak to regarding their intent to place me on the MHA program and who authorized this change to my account? The manager soon realized that BOA made a mistake and informed me that this program should have never been on my account. I have never talked with BOA nor made any request to be included in the MHA program. BOA changed the terms of my mortgage agreement without proper notification and acceptance from me or my husband.

Jacquelyn then informed me that BOA had paid $8,170.78 for my property taxes on 12/14/2009. This included a payment of $2,257.47 to the City of Desoto and $5,913.33 to the County of Dallas. I was informed that this amount must be paid back by 1/31/2010. No conversation was ever held between BOA and me to discuss being placed on a MHA program. By accepting these terms, I would be placing my family in jeopardy of losing our home, as I cannot afford to pay a $4,041 mortgage payment.

Also, after reviewing my account, I realized several other discrepancies that appear to be unfair and deceptive acts by BOA. My mortgage is not considered late until after the 16th of each month. I have always paid it on or before the 15th of each month, with the exception of this past December. I have never been in my home for five years and never charged a late fee up until this point. All payments are always paid directly to a branch office.

On 11/14/2009, my mortgage payment was walked into a BOA branch and according to my statement, was posted on 11/17/09. BOA charged $125.47 as late fees and added it to the balance of my account. My December payment was made on 12/31/09 at a BOA branch and posted on 1/4/2010 and payment made on 1/15/10 at a BOA branch posted on 1/19/2010 with another $125.94 late fee. After reviewing all three payment slips, I noticed that BOA used incorrect dates in which the payment was made.

I am writing this letter because BOA has repeatedly demonstrated unfair and deceptive servicing practices, which is causing financial hardship and stress for me and my family. I now see how a family can easily lose their home that they have worked so hard to have when financial institutions like BOA commit this type of unethical behavior. Being in the banking industry, I realize that multiple laws have been compromised by changing the terms of my agreement without authorization and intentionally changing my payment dates to retrieve unwarranted late fees.BOA should absorb the cost of my taxes, since they paid them without authorization. They should remove all late fees from my account and retract any negative reporting to any and all credit bureau services.

At closing, in August 2009, the appraisal charge appeared on closing documents. I crossed these mistakes out and initialed the changes. But the loan was still improperly processed. It has been very difficult to get in touch with either John or my loan processor Joseph **** in which I have left many messages but no responses. To correct this issue, I would simply like an account manager to credit my account, the $425.00 for loan number ****.

Dealing with BOA's reps has been horrible, rude, nasty, disrespectful and they refused to transfer to a supervisor. I called today and was on hold 20 minutes and was supposed to speak with a specific rep. I left him a voicemail and I would be more than willing to bet he will not call me back. I can not afford to re-fi or I would just to get away from BOA. They are now claiming I have been a month behind on my mortgage for a year? A year, yet they never said anything about it? They are wrong. Yet despite all my letters, calls I am getting nowhere. This letter today is the final straw for me.

I have spent numerous hours online getting all my mortgage payment info so be sure I never missed a payment. I have written several consumer complaint offices as well as copying all my complaints to BOA. I am being accused of being delinquent on something I'm not and for the second time BOA cancelled my PayPal/26 without my permission or my knowledge.

This mess has been escalating and now they are saying I am in default and owe three months even though I sent my payment, usually certified which cost me and get the cancelled checks. I have sent copies of the checks but they don't seem to get my mail unless it is certified. I could go on but it would take up too much time. I am worried about my credit, my escrow and insurance for next year if this is not resolved. I have called many times only to talk to yet another person who seems not to know what is going on. They tell me to ignore any default and late charge notices. Right. What a nightmare company! This has been going on for seven months.

On November 17, 2009, I received a telephone call from a call center in India. The caller identified himself as a representative for Bank of America and asked for the last four digits of my Social Security number. I asked why he was calling. I had no business with Bank of America. He said it was regarding a delinquent mortgage payment for a property that I own. He stated an address, but quoted an unfamiliar payment amount. He said he could give me no further information until I gave him the last four digits of my Social. I told the collector that if Bank of America had an unpaid debt owed by me, they needed to contact me by U.S. mail outlining the obligation. Believing I had no mortgages with BOA, I thought it was a scam and hung up.

I did, however, check my bank account to confirm that all electronic payments for the month had been processed in a timely manner. They had been. I was still uneasy. How did this stranger know that I owned property at the address he had given me? Since I manage most of my accounts online and fearing my personal information had been compromised, I logged in to the mortgage company site (Countrywide) and was redirected to Bank of America's site. The nightmare had begun.

I discovered that Bank of America had purchased Countrywide, the lender for two mortgages that I have had since the early 1990s. I had received no notification of this transaction either online or through U.S. mail. After a couple hours research on November 17, 2009, I finally talked to a customer service representative with Bank of America. I then learned that Bank of America had changed the account numbers for both loans (again, without my knowledge). Neither loan had posted the November payment. I said that I would have a representative from my bank, Huntington Bank, get in touch with Bank of America and straighten the matter out.

I contacted Zack (CSR) at Huntington Bank the same day, November 17, giving him all contact information from Bank of America. He said he would take care of it. The payment had been sent as directed (and was deducted from my account balance) on November 5, 2009. I assumed the problem was resolved. Bank of America's collections department began calling me daily. The personnel were rude, hard to understand and unwilling or unable to be of assistance. They pursued a bullying style designed to intimidate.

On November 19, 2009, Huntington Bank confirmed by U.S. mail that the bank had been in contact with BOA to correct the matter. Since I was still receiving collection calls, I called Huntington Bank and was told that they had spoken with Lea (BOA) and complied with her request to send transmittal information.

On November 23, 2009, I spoke with CSR Allene (BOA). She told me to fax copies of the correspondence from Huntington Bank to the Correspondence Dept. (BOA). I attempted to do so, but the number was not in service. She said she would note the file and stop the collection calls. She pushed refinance even though I had not asked. I had in fact made the remark that I had never had a problem with these mortgages until BOA became involved. The collection calls did not stop.

By December 3, 2009, I decided that BOA had sufficient time to rectify their mistake. I had received no information through the mail regarding the change of ownership for the mortgages (and new account numbers), the alleged late payment or notice of resolution. During this same period, I had received numerous direct mailings from BOA relative to credit and refinance offerings. I was still receiving calls from out-of-country collectors.

I called BOA and spoke with CSR Shana who took my information and offered to connect me with the refinance unit. When I said no, she reluctantly told me to call the Research Team. I did and spoke with Shawntel. Neither CSR was attentive and both took the attitude that I was in fact late with the payment and should talk with their refinance department to work out a payment arrangement. Shawntel did give me the fax number for the Payment Research Department (BOA).

I sent copies of the letters from Huntington dated November 19, 2009. She also asked that I send a copy of my bank statement confirming the payments had been deducted from my account. I did as requested. In addition, I tried again to send copies to the Correspondence Dept. (BOA). This time, the attempt was successful. These faxes were sent on December 3, 2009. On the cover sheet, I asked to be notified in writing that the account had been corrected and the problem resolved. That request was ignored. I heard nothing from Bank of America. I continued to receive direct mailings from BOA offering to refinance these properties.

On January 12, 2010, after receiving yet another collection call and being notified of a negative change in my Experian credit report, I called the number I had for the research team and talked with Nancy (BOA). She was the first person to take the situation seriously, was polite and attentive. She said her files indicated the situation had been resolved and the payment posted on December 18, effective date November 5, 2009. She said the credit bureaus would be notified. I checked my credit report and disputed the negative BOA entry. I finally received a letter from BOA (dated January 13, 2010) that the credit report had been adjusted.

On Thursday, February 4, 2010, I received a call from an out-of-country call center. The caller identified himself as a representative for Bank of America and asked for the last four digits my Social Security number. I asked the purpose of the call and he refused (rudely) to speak with me until I divulged the Social Security information. I told him I conducted no incoming telephone business with BOA and hung up.

Again, on Monday, February 8, 2010, I received a call center collections call from BOA. I refused to give my Social Security information, but the caller did say she was calling about a late payment for February 2010 on one of the properties I own. Huntington Bank had sent the payment as authorized on February 5, 2010. The account number was corrected to the new number assigned by BOA.

The February 5 date is well within the grace period for the payment and is the date that the payment has been sent for many years. The collector was rude and abusive and I hung up on her. I called the number and extension I had for Nancy, heretofore the only civil person I had spoken with at BOA. I was connected with Tom in Home Loans. He told me the payment had not yet posted. I explained it had been sent electronically on Friday, February 5, 2010. The payment had been deducted from my account on that date.

He said he would "note the file" with a "promise to pay." He was very courteous; however, he made it obvious that he had no authority to do anything of substance to stop the situation from escalating again. He said he could stop the collectors for 30 days and offered to connect me to someone who could assist me with refinance. To his credit, Tom did listen to my concerns and did give me a fax number for Customer Correspondence to file a "formal complaint." This is the same number given me by Allene on November 23, 2009 to send copies of the Huntington Bank confirmation of transmittal of funds. It didn't work then and I have little hope it will work now.

I believe Bank of America is operating in an opportunistic fashion with little regard to customer service or accuracy of information. No discernible attempt has been made on their part to remedy their error(s), but rather to force conditions fueling refinance profit centers. The focus of every BOA loan-servicing representative I have talked with has been to make an offer to refinance the loans; thereby, incurring additional fees and increased interest income for Bank of America. Consumers are driven to the loan-servicing units by the intimidation tactics utilized by their collectors.

The phone call on February 8, 2010 was regarding a debt that not only was paid but also was still within the grace period for timely payment. I am frustrated and want to make this situation created by Bank of America's own cumbersome and questionable operational tactics go away. I did not ask to be a BOA customer and from where I now stand, I will go out of my way to do no further business with this unscrupulous and opportunistic corporate monster.

BOA continues their harassment with abusive, unfounded telephone calls that interrupt my work and home life. They have taken countless hours away from work in attempts to resolve this situation. I have been forced to spend extensive amounts of time monitoring credit reports, writing responses and otherwise dealing with this situation.

I also received my Form 1098 Mortgage Interest Statement and BAC failed to include the interest amounts (approx. $4000) that I paid, BAC received and refuses to apply which will now affect the taxes that I will owe. I have taken a great deal of time off of work including today and made numerous calls to BAC weekly since Sept. 3rd sitting on hold for over two hours at a time, wrote a letter and included documentation of all of my payments that they have received and deny receiving, sent an email and a fax.

I have written the White House, multiple State Senators, Federal Reserve, Comptroller of the Currency and filed a complaint with the United States Senate Committee on Banking, Housing and Urban Affairs. According to BAC our account is being handled by the Office of the President but each call takes over three hours of dealing with customer service, proving payments have cleared my bank and sitting on hold before I eventually get to the Office of the President.

On 12/7/09 BAC lawyer Patricia B. (1-800- Ext. xxxx) read off our resolution request to stop the loan modification process, apply our mortgage payments to our loan, withdraw the late charges and negative items to the credit agencies and stated that she would call me back with a resolution within a week. She did not call me and also has not returned two other voicemails I left her since 12/7/09.

I've had Independent Investigators with BAC come to my home twice and was told that it is a foreclosure procedure. I received a notice dated 12/14/09 stating that BAC is in the process of obtaining the documentation and information necessary to address my questions and concerns and that they will provide a more complete response within twenty (20) business days. That time has come and gone with no resolution or response. The last three-hour call to BAC I was told that over a thousand dollars of my mortgage payment was applied to something having to do with a loan modification and not my mortgage payment.

On 12/30/09, I was told by Evette G. (BAC Office of the President) that my account fell through the cracks when she realized that my account was not under a loan modification. I was then transferred to Tenisha D. (866-) who requested I send bank statements, tax returns, paystubs and a hardship letter for application of loan modification but then stated that if I was upside down on my loan that I wouldn't qualify. I told her that we are upside down due to the housing market so we would not qualify. After putting me on hold, she returned stating that we would qualify. I did not submit the documentation and do not trust or believe anything that I am told by BAC and believe that they are only going through this process to cover themselves and use my monthly mortgage payments for something other than what they were intended.

I would greatly appreciate any assistance that you can give me as this situation has not only destroyed us financially but also physically and emotionally. BAC has destroyed us financially by placing untrue negative items on our credit report causing other creditors to increase/cancel our lines of credit. As far as my physical health, I cannot stop shaking, can't sleep and sick to my stomach constantly.

I spoke with Bank of America again February 2, and the representative told me, "We did not receive your January payment." After he checked records, he said, "Sorry, your payment was placed on an unknown account," and after our conversation, Bank of America charged my PNC account twice by mistake, and my account became negative. I spoke with a bank representative, Louise **, and he said, “It was our mistake, but it takes 7-10 days to return the money back.” But I need my money back immediately. I am not responsible for the bank’s mistakes, plus return all the fees. Bank of America must contact with my PNC bank and solve this problem. They got very poor service. Economic damage: $635.90 plus all fees.

Then they continued lying throughout the entire application. When I signed the application in front of my attorney: Yvonne **, of Farmingdale, New York, she verified all the information line by line on the application. It was correct, then she would have never allowed me to sign anything that was not correct. Her license was at stake, we asked them for a copy of the signed application but they refused to give it to us at the time of the signing.

2 years later, on July 2008, when I finally obtained a copy of the falsified application from Countrywide, we realized what they had done. It was too late, they lied to me in order to get me into a (conventional) I couldn't afford (according to my financial documents such as W-2. Knowing that I couldn't afford a conventional, I asked them for a reverse mortgage which I qualified for at 64yrs old. My house was totally paid for and I passed the requirements according to the government. They lied to me and let me and my attorney believe that they would give me that reverse when at the end they switched and faked it into a conventional at 8.5% adjustable). They lied to me (my lawyer stated in writing) and that they falsified and tampered with my documents and lied to me from the beginning till the end.

I have all the proofs! Today they are refusing to modify my loan according to President Obama, making home affordable though I qualified. I'm stuck in an 83% of my income mortgage paying interests. Only then this loan will balloon to 11% then 15%. They stuck me into a sub-prime that stated no docs. I presented them with all my proofs of income, W-2 for the year 2006, adjustable option arm (I only had one primary home- I had no other business income from other houses to allow me play ping pong with the profits of the adjustable rates from other investments. I had only one home ) of 8.5% from one house to the other.

Emails to BAC have been ignored. Calls to various departments at BAC have also been either ignored or re-routed to other departments without response. In addition, our loan is continuing to be carried by BAC as a 30-year Conventional Loan, a fact that is totally false.

This loan is, and always has been since November 30, 1988, a Veterans Administration 30-year Guaranteed Loan. Bank of America Home Loans is denying us the correct amount of legal mortgage interest paid during 2009. Additional irregularities have been noted in the posting, processing and handling of our loan since 2001 when this loan was assigned to Countrywide Home Loans and then Bank of America engulfed Countrywide.

There have been multiple times they said they had all the required paperwork to disburse funds and give me an approx. date to expect a check. I call to follow up only to find there is some new issue and or no record of anyone ordering a check. There are countless excuses. This has been the very worst experience of my life. I actually went into a BoA banking center and had the manager fax the paperwork again. They tell me one thing on the phone, notate something different to cover their ** if I question what I was told.

I'm scared I'll never see the money and my house won't get repaired. They are negligent and there is no one to hold accountable. How do you keep losing my paperwork? How does one rep read to me what I sent over, and the next day, a rep tells me it's not in my file? I have received so many different answers from B of A claims about how long it takes to have a vendor ID set-up. I still don't have a check, just excuses about the processes. I have been told "it takes time".

Be prepared for the runaround. There is no customer service. I've had some nice reps from B of A but nothing changes. You have to wait for a vendor set-up. You get different answers on the same day when placing more than one call. Something needs to be done. I was finally given a date that I could expect the reimbursement check and planned on part of the money to make my mortgage payment. I have had my loan modified and am on a three month trial period to demonstrate I can make the new payment amount on time. Well, I now can't make the very first payment due to their ** and am in jeopardy of losing my home. In addition, the weather has changed and there is a good chance further damage will result due to the repairs not being done.

And they charged me a late charge of $71.00 for February when they receive the payment before it is even due. So what is that? Another creative financing skill they seem to employ. When I wrote asking about them, they make up some crap about this and keep taking my money and putting it who knows where. I want my account updated with the extra funds I pay in and any late charges removed. But it is taking me months to get that clear through their heads. They stink as a bank!

Because of this I have received numerous letters from my creditors increasing my interest rate on my credit cards, lowering my credit limit or closing my cards altogether. I have filed disputes with the credit bureaus and the response I get from them is that the delinquency is being reported corrected. When I call Bank of America Countrywide, I spend hours on the phone being transferred from one person to another. I get disconnected forcing me to call back. I get left on hold and no one ever comes back to the phone. The customer service reps all ask for my phone number to call me back in case I get disconnected, yet I never get a call back. I have even had some people refuse to help me stating that they can't do anything.

I have written numerous dispute letters to Bank of America Countrywide, yet this issue still never gets corrected. Bank of America Countrywide has been reporting me as being delinquent on my HELOC account. The credit card companies that I do business with have increased my interest rate on my cards, lowered my balances and closed some of my accounts. All stating that it is because of the new delinquency that has shown up on my credit report.

I returned the paperwork as I was told by a senior leader and sent my 1st payment of 923.66 in a cashiers check. I was told that the paper work would be entered by the end of January and I would be able to resume payments in the Branch in Feb 2010. At this point, my paperwork has not been completed and I have spent endless hours on the phone with representatives who include Tenisha **, Marisol, Shana ** and even contacted Tammy ** in regards to this matter. I am at my wits end of what I'm being told and find that all of these individuals are clueless as unto what the process is and who to escalate it to.

I have done my part and now may be losing my home due to their error and lack of follow up. I have spent in access of 40 hours on the phone trying to get to their executive complaint unit. No one there will give me the information or the correct information and I am at my wits end. I have been in this process for 1 month short of a year, and to be told that I am being considered at this point for a modification, after I've already been through the process, sent back the paperwork with my money and waited patiently for the data to be updated in their many departments is not accepted. I have spent in access of 40 hours on the phone with representatives being transferred back and forth with no direction, and dropped from calls has been very time consuming and unacceptable.

These matters should have a senior level leader who can put some resolve and make sense of what has happened. I followed the process and did my part. A commitment was made, but it is obviously sitting somewhere on a desk out in Pittsburgh, PA as my son and I wait to be homeless. This is unacceptable and insane.

Oct. 09, nothing showed up, so I called and they had seen my request but nothing had happened with it. Now, they were starting over same deal another 45 days and nothing. January 22, 2010, phoned again and the same answer as before. The guy I spoke with on January 22nd said that he was going to expedite the packet and FedEx it to me in 5-7 days. Feb.1, 2010, I called again and this guy told me that they don't expedite nothing and the other guy was wrong to promise that but now he was going to send a request for an escalation form to expedite this situation. I was hoping that this program would help but now after reading all the similar complaints on this site about them I feel ripped off again.What's next? Revolution sound familiar!

Because of their incompetence, I stopped getting my bills. I did not want to interrupt my payments, so I had to go to my old bills to get the information to just create my own payment stub and send in my payment to avoid being penalized.

Then finally in January, I decided to just pay online, since it would be so much easier, so I thought. At least with other banks, it is not a hassle, but not with BoA. So I did everything I need to do as they asked: did my password, entered my payment amount, extra principal, etc., and submitted it. It went through, so it said. I always checked to make sure it went through.

Then I saw they deducted all sorts of fees and charges from my checking account that I entered just for using their online system! No other bank does that to me! Then on top of that, they got my extra fees and charges for that. Then for some reason, the actual payment didn't go through (and I have more than enough money in my checking account to cover this, so that is not a problem.). So then, they got my mailing address correct after much hassle, and once they have my correct address, they mailed me a threatening letter saying I am in default of my loan and that they will report me to the credit bureau.

They finally got my address right, but they still got the name wrong. And I already sent in my paperwork, like they told me, to change my name; and they still did not. So I had to take time away from work again to call them and ask them why they are doing this to me. I told them also what I have to do to prove my name change, and they said that now I have to send in more paperwork to a different address, yada, yada, yada. And I asked why they didn't just tell me this the first time that I need other documents. Why is it an act of congress just to take care of a simple matter?

Then they became confused and changed the address of the property that I own in Arizona to the address that I live at now in Louisaiana. And they are so confused that they do not understand and are sending me warning that the address is not right. (sigh) I cannot stand BoA. I am so tired of dealing with them and so tired at work.

Now, I have lost my job due to the economic situation and my husband does odd jobs for people; however, he has a breathing problem and can no longer do the work himself and must pay someone to help him. Our income has dropped significantly and we can no longer make the payments of $2864.00 per month. I called BOA and asked to apply for a home modification loan. They asked me to send them 2 years of bank statements and 2 years of income tax. I have sent this 3 times. First, they (said) never got the income tax forms that they needed, and so I sent it again.

The second time, they have no record of receiving anything. The third time, the loan was denied. I asked about the records and was told, “They had no record of receiving anything. However, the loan was denied anyway, so it doesn't matter.” Everyone I talked to was rude, arrogant and could care less about what I was trying to say. We are at our wits end with BOA. They told me they do not hold our mortgage. When I asked who did, they didn't know. I asked, "Then why was I getting statements from you and sending the checks to you?"

Answer: “We just administer the account for someone else. I don't know who.” I have read horror stories about BOA and I think it is about time someone got on their case, whether the government or an agency like Consumer Affairs. Someone has to do something! They are making billions of dollars. The government gave them money to help the people and they are doing nothing. It is very discouraging that a large bank can get away with this. I read in a blog that when one individual went to a mortgage attorney about them, the attorney told him, "Don't take on BOA. They own the country." I believe it.

Can you advise what other avenues we can take? We don't want to lose our home. Please! We are now significantly behind in our mortgage payments. It is impossible for us to make the payment needed and we have exhausted our savings trying to keep up.

I've been calling everyday since 1/26, and every time I called it takes at least 50 minutes. BOA's response was that the request has been made and someone will contact me shortly. There's apparently a collateral request team, who I called the mysterious team, since they refused to give me their name for the last ten times that I called.They cannot be reached via phone or anything else except email.

No one has direct access except their own representative. It is now 1 hour and 24 minutes and I'm still on hold. They are trying to get a supervisor to talk to me. This is so absurd. With any other bank, the request will be done in less than 10 minutes and the turnaround time for a closing attorney to get back to us is 24 hours. BOA is absolutely one of the worst bank ever.

It was so obvious that Bank of America representatives have been trained to blame the federal government for their policies! On numerous occasions they stated that the Federal Government programs have placed limitations on them and urged me to go to them to complain. They have made modifying loans a long, drawn out experience that never happens in the end. I know this because of so many people I know who have tried going through the loan modification process with BOA. They tell you that you've met the 5 criteria for qualification, but then tell you that they'll lower your payment for 4 months, but that if you don't qualify in the end, you have to pay them back the balance. They also report late payments to the credit bureau for the 4-month "trial" period, even though you are making on-time payments under the new temporary arrangement.

So if your credit wasn't already ruined, it will be just to see if you really and truly qualify. With each step, there were built-in disclaimers designed to browbeat the already beat down customer and intimidate the customer from moving forward. Here's the ironic thing: I ran some numbers and Bank of America stands to make over $650,000.00 by fixing my rate and keeping me as a customer. If I walk from the mounting payments due to a rate that likely will only continue to go up and take the I'll-cut-my-losses approach, BOA will lose ALL of that plus more! It does not make sense!

What does make sense is that we Americans need to be very selective in what banks we choose to give our business to. Big banks own this country and they do not care about you! Many of the smaller banks and credit unions are genuinely working with customers and are approaching the problem with a degree of common sense while mitigating their losses. They are not so powerful that they can afford to treat their customers poorly and throw their reputations to the curb. BOA is the epitome of the ruthless, banking giant bogged down in their own short-sighted greed.

They are one of a few big banks that were the primary cause of the meltdown to begin with, all to do with greed. I urge all of you to take your accounts and give them to a bank that has ethical business practices coupled with common sense, where you get a sense that you matter. After this economic downturn, one never knows what can happen in the future and, believe me, you'll be in much better hands if and when it does happen again. Thank you.

When I got it, I did not know what it was or what was going on. I called and talked to a man and we decided to cancel it because it was the same amount as I was already paying and our income had gone down because my mom had lost a lot of hours. He said it would take about 3 days to cancel and I should call back then to update my financials and reapply for the making home affordable. It sounded great at the time.

Of course, when I called back, I got someone totally different. He did update my financials but said we could not reapply for the making home affordable so we should just stick to the one we already have even though we couldn't afford it. It was supposed to be cancelled anyway. Besides that we never signed and sent it in. About 2 months later, I find out that they went in and paid my home insurance. To say I was mad is an understatement. We have always paid our own home insurance monthly. We were not behind on our insurance or anything.

When I called to complain, they said they paid it because we were under the making home affordable modification. I was so confused because it was supposed to be cancelled and we never signed the papers for it anyways. The woman supposedly cancelled it again and she said we qualified for it but we would have to have upfront funds which I didn't have at the time.

They were supposed to also take the insurance off my escrow. She told me to call back when I had some upfront funds and they could start the process. I ended up getting a statement saying my payment was going to be $100 more because of the insurance on my escrow which shouldn't be there in the first place. I called yesterday because I have come up with the upfront fund. The guy was really rude and said that he could update my financials but couldn't place me in any kind of program because I was still under the modification from months ago.

He said that he would have to cancel it and it would take 72 hours. I am stuck and don't want to lose my home but I don't know what to do. Every time I call, I am back at square one and it's not fair. My payment has been increased due to their adding the insurance on my escrow. I couldn't afford the payment before. There is no way I can afford it now. I might lose my home and I feel like there is nothing I can do about it.

Each time I was just passed along to someone else, and finally in February 2010 I was told that because of the unemployment, I didn't qualify for the program and there was nothing they could do. Because of their negligence and dishonesty, my credit, which was very good before this, has been tarnished and I am now very behind on my payments. They are a very dishonest and misleading bank and do not care whatsoever about their customers. They are rude and short when you speak with them as well. They do not offer any other solutions either. My home is in jeopardy of being sent to foreclosure because they weren't honest with me regarding the loan modification process. They ruined my credit which was very good prior to this escapade. What they are doing to consumers is very wrong and, in my eyes, illegal!

On Friday, 1/29/10 they have now asked for a mold inspection that will take two weeks. Seller is pulling out of the sale due to all the delays by Bank of America and is losing me a great opportunity. The sale was for $64,000 in a gated community where the sale of condos (not REO or short sale) are asking $129,000 and $117,000 for same condo. Bank of America fired Veeta K, the person handling my loan because of all her bungling. Bank of America during the month of January repeatedly kept asking for the same documents that they kept losing or misplacing. Among the bungling, their underwriter mistook a TDA (Tax Deferred Annuity) withdrawal from my pay stub as a loan.

This is not the only dealing that I have had with the bungling of Bank of America's mortgage department. In August of 2009, I was refinancing and Bank of America was the server for the loan on my current home which they had taken over from Countrywide. It took over three months and my lawyer calling them for them to be able to figure out who owned the loan I was refinancing. This is a whole other story and caused the interest rate of the loan to be changed which to keep it down I had to pay out of pocket. Bank of America's Mortgage department is in my opinion in complete disarray. A class action suit should be taken against them.

We have received numerous phone calls from their debt collection agency threatening to foreclose if a payment is not made. We have been reported to the credit bureau due to the delinquency of the loan. Also, when calling for a status on the modification, different representatives provide us with conflicting information. It has been a second and third job trying to communicate with the appropriate departments. Automated systems are not functioning properly which results in long hold times and essentially a hang up by their system from time to time.

I've wasted hours total, but 2 hours today alone. The sad part is I don't have a choice in being Bank of America's customer, because it is a mortgage account. It seems to me, like they are very aware of this fact, and that they couldn't care less! The only way it seems I can fight back is by not opening any personal or business accounts through Bank of America!

Then when I called them, they said if I just keep that payment I would not have to make one mid-month. Okay, so I let them keep that one while a lady assured me on the phone that the system will pick up a new payment plan for me starting in December. I go through agreeing to the disclosure terms and agreements until a lady states that they have the right to increase my payment. I cut her off and say, "If you increase my payment, I will be notified in writing prior to this, correct?" She says, Yes, of course."

So I continue on. On December 9th, I log on to my BOA website and it says that I have missed a complete payment. I call again. They say no, I have not and not to worry about it. I "trust" them; I mean, hey, they are a bank right? Wrong! I get a call on December 10th asking where the payment is, I have all my bank statements etc. I have when they call (thank God I kept everything). I go through the whole process again. They state that it was an error on their part. They even sent me a $25 gift certificate for all the hassle that I have been going through. On December 22nd, I call up just to make sure that everything is okay. No, they now say I am 1 payment behind.

According to my records, they took $1300 on November 1st, $650 on December 1st, $650 December 15th, and plan on taking another $650 on December 31st. I am no mathematician but that looks as though I have made an extra payment of $650. They say no so I say okay, well, it will work itself out. Everything is okay from here on till Feb 1st I get a call up. Somehow, I am 2 months behind now but they have records of all my payments being made from November 1st on. How the ** am I behind?

I sit on hold for like 30 minutes. They are calling me at my place of work. I cannot sit on hold; I have to work, that is what my job pays me for. So I hang up. When I get a call from a bank that has a snotty lady telling me I am 2 months behind, then all of a sudden she realizes that I am not behind at all and puts me on hold because she is baffled as to why she is calling me. There is a serious problem with the bank. After this, I go online to check the account via their web page.

Oh, it says, I am 1 payment behind. I still do not seem to understand how a person can be behind with a bank payment when it is setup on an auto withdraw and they certainly have not missed withdrawing it. According to my records, I am 1 payment ahead, not behind. I wish I could just switch banks but this is my house and we just got it. There is no way of switching. On the same note, I constantly have a fear that they are going to either damage my credit from this or something worse.

I called approximately 2-3 times a week to check on the status. I called every time I was instructed to call by B of A. For an entire month, I called still waiting for a negotiator. Mid December, I got a call from B of A that said B of A went to a new online system, REO trans. I would need to start all over and put my own info, the very same info B of A had on file in paper, into the new online system as B of A didn't have the man power to do so. Basically I had to start all over again meanwhile hoping the buyers would wait. The buyers agreed to wait a little longer as B of A said to follow up.

The closing date in the contract was January 15th. The new online system takes the thinking out of most of the process leaving a negotiator to think minimally. By the time a negotiator got assigned and reviewed the contract that B of A had on file in paper since mid November and again mid to late Dec to their new online system. Too much time elapsed and B of A declined the full price offer as late. Unbelievable. Well, there was a second offer on the house for about $18,000 less than the current loan value. I got a call from my realtor who has patiently and diligently been working with and for me and also with B of A.

Apparently B of A said they didn't have my financials and had seen that I didn't get past my security log in and would need to establish a security password. Well, I just about had a stroke. I absolutely had a sign on with a security question as how could I have loaded my financials for the first offer without it? Well, I spent an hour and a half before work last week to get another sign on. Guess what? I now could see both the offers in there as separate entries, one with my financials from the first offer and then now the newly added sign on.

After actually speaking to a competent person at B of A, it turns out that B of A created a sub loan to my loan where they added a -7. So, no one could see my information that had been entered the first time around, yet I could and I even printed it. I described everything to the B of A rep I had on the phone who waited for me to get in with my supposed first time sign on. How on earth would I ever know that they added an extra digit at the end of my loan, probably for the 2nd contract? Now, I wait again for a B of A rep to review the newest contract which is considerably less.

In addition to the numerous calls I've made, people I've talked to and hours spent, I have at least 10 different phone numbers I have been given as I was often redirected to someone else that would supposedly need to help me. I have spent numerous hours on the phone with mostly incompetent people and as a result of B of A changing to the new online system and requiring me, the seller, and my agent to re-enter all our information again, a full price offer has been missed. My homeowners insurance that was paid through January which would have been sufficient for the closing of the first contract on file since November.

Now, I have to pay another $400 for the next quarter and my realtor has prepared me that it is common for lenders to ask sellers to pay a portion of the money on the short sale to meet somewhere in the middle. I am only waiting for that as I do not have the money nor will they get a dime because they let a full price offer on the house go because they had a change to their process and didn't have the man power to take existing files and enter it into their new system. This is completely unacceptable and I am sure that I am not alone. I have all the information of who I spoke to and when, what was said, etc. Also as a result of this unnecessary delay, my credit rating is continuing to decrease. Thanks to B of A.

We should be grand fathered in our loan because when we closed the loan, it was not required for us to have hurricane insurance as per Lending Tree. By them enforcing this onto us brings our interest rate half percent more for the next 30 years. Plus, if this was the case, we would have not made the loan and closing cost us $7,000. This is just not right, what they are doing to us.

On November 27, 2009, my brother and I spoke with Javier **, employed, I believe, in the Subprime Collections Department - a debt collector. He instructed us to send another hardship letter and request, along with certain documentation, by fax to this same department, which I did on December 3, 2009. Javier was very personable and it was a relief to have contact with someone who genuinely seemed to want to help. However, this same division of the bank or debt collector issued three letters on three consecutive days saying that the financial information submitted strongly suggested the bank was unable to support a repayment plan or loan modification. It was completely unclear if this was a response to the letter I faxed on December 3rd and my relief at speaking to an actual person was once again replaced with frustration.

Two of the three letters actually instructed us to contact Alberto ** in the Subprime Collections Department. It is demeaning and insulting to actually call that number, wait through automated messages in information you've already heard for 10+ minutes, ask for Alberto and learn that no one knows who that is and that you can not be connected. Then in the week January 11-15, my mother received a phone call which appears to be from the same debt collection/home retention/advocacy department.

As part of this call, she was told that the request for loan modification had been received and that it would take 90-120 days to make a determination. At the same time, she was told the house was in foreclosure. During this call, my mother advised the caller that she wanted conversation from the bank to be directed to me, her daughter. This seemed reasonable as all previous correspondence had been from either Nola's son or daughter, including the specific call referenced above.

However, the Bank of America employee did not provide her with any instruction as to how to ensure this could happen. A few days later, I called the bank and was told they couldn't speak to me unless my mother called to give her approval. My mother did this and was then advised that she needed to put the request in writing. I include all of this simply to point out the level of building frustration, continued disregard for customer service and repeated lack of clear communication from your bank. In summary:

This house is located in an area that has experienced a very high rate of foreclosures. If my mother is forced to leave her home, then BoA owns a house that is empty and falling into disrepair. The current rate of interest on this loan is 6.875%. The current market rate for a 30-year fixed loan is in the 4 percent range. The current market rate to sell the house leaves the amount of principal on the mortgage in a position to be modified. My mother's income is guaranteed to continue. A combined reduction of principal and interest, to rates in line with what they would be if the house had to be sold from foreclosure, would result in a monthly debt that my mother could bear indefinitely with her current fixed income.

So unless I am grossly misunderstanding some factors, it would seem to be in the banks' best interest to modify this loan. This would keep the home occupied and cared for, in a good condition for sale and placed to give Bank of America the best return when the market recovers and the time comes that my mother might move out. If you do not agree, then we request any further action in this matter be put on hold until a time when a personal meeting or conversation can be held with a bank employee in a position to make decisions on this issue.

I also request that a single point of contact be made available through to the resolution of this affair. This level of attention is entirely warranted to a woman who has been your loyal customer for over 30 years. Nola is the kind of customer Bank of America should be supporting and showing their true commitment to helping stay in their home.

They just said that due to the type of loan we have, we are not qualified for the program, which is not very clear to me. How can they just turn you down without giving you a chance to apply.

I called J.D and emailed her about the situation. She said sorry about the misinformation and said someone should be out soon; it did within one week of our conversation. But that's where it ended.

Since Sept 2009, I have had only one single voicemail from BOA. This was after I contacted Ian T (left a voicemail 3x). J. D called me and said she was sending paperwork to my 2nd mortgage company. I have faxed, emailed and called at least 50x and not a single call back. I have asked for my money back and have gotten no reply.

I would like to go to another bank but don't want my credit to be harmed because of the hit. I am **** - I was cutting my mortgage from 30 to 15 years and reducing the interest rate. Now, if I go somewhere else, my credit would have to be reviewed and my score would be affected. Hence the less than favorable rate. Is there anybody I can talk to to force BOA to either close my loan or refund my money now?!

I am now receiving phone calls from a person(s) wanting to know where the house payment is that is due in January. Add to this fact is that I can barely understand the person calling my house in the US. I tried to find a resolution, but I am not going to starve just to make a house payment. A friend then suggested the Project HOPE. They're making home affordable, and those people were fantastic.

My mind is relatively at ease. BOA will now be forced to work with me in a few months, and I get to help define the terms of the modification. To anyone out there who reads this and is in a similar situation, I would highly recommend that they call 1-888-995-4673 and there is a real person to speak with. There are no damages yet, except to a reporting agency for being late on a payment.

This is extremely difficult due to the fact that I phone BAC/Countrywide on a daily basis to discuss this with Gloria **. I have phoned her on a daily basis and have no return phone call. Several other customer service representatives have also told me that they have forwarded her a message to please call me. I do not wish to lose my home, but they are not willing to assist me. They only forward paperwork and they are not available to discuss it with you. I need some assistance with this situation. I can not afford an attorney. Please help. I do not want to lose my house.

My answer to them was, "if I had so much money left over every month, why in the world would I be asking for help? With all that extra money I am supposed to have left after paying our current payments (which we can not afford), I can go and pay for another car". It is all a game to them, they took the money from the feds and no help to home owners.

Then, as the November payment was made in December, they finally stated three days ago they will not complete the loan funding because the loan went over 30 days past due. Several phone calls into this now with zero resolution and just a "sorry". Now, because of the instructions of Bank of America and the title company, they have a ding on my mortgage payment history. They will not reverse and make it impossible to get the appropriate rate on a refi from a more reputable lender.

The company itself has now taken my mortgage payments and paid those bogus late fees, putting my mortgage in default because they refuse to post a "partial" payment even though I made a full payment. They tell me that once I hand over our payment, it’s their money to do as they wish. Great PR! My husband is self-employed, therefore, making it difficult to refinance somewhere; but I am hoping I can find a way to get away from this bank. They are thieves of the worst kind and continue to make money off of us. I now owe way more than I borrowed for my home. We can't possibly ever catch this loan up because they keep taking our payments to put on wherever they choose. There is no hope of resolving this matter. They have told me I have to pay everything they ask regardless of the receipts that I have showing payments were made. I don't see how we can possibly do anything about it.

Our mortgage payment was taken out of our bank account twice in one month leading to 8 overdraft fees from our bank. Bank of America reversed the charge but told us we would have to send a bank statement via fax to account for the overdraft fees. I called BoA several days after the fax was sent and was told it had been received, and to expect a check within 7 business days by mail. Nothing. I called my bank and had them send it a second time just to be sure. Again, I called BoA and was told it was received. It has now been over 3 weeks since the problem first arose. Nothing. I called today to check up on the matter and to my absolute shock, I was told that the two faxes had never been received. How could this be? I was told that the fax was received twice. According to the records they have, that is not the case. I was lied to!

When I asked who is held accountable, they can't give me an answer. When I asked for a direct line to verify receipt of the fax, that I will be sending a third time, I was denied. They are "too busy to give out direct lines". What about my time, am I not busy? I have spent over 12 hours on the phone in regard to this issue. Who knows how long it will take to get this money reimbursed? What they told me before was a lie too. Today, I was told that it is handled by a third party and Bank of America has no control or knowledge of how long it can take. I am left powerless and nobody is accountable for their lies.

The October payment was to be bumped to the end of our mortgage. Normally, we would have paid $670 per month by the 1st. With the "trial" payments we were to pay 570 per month with three months of advanced automatic bank payments by the middle of the month. We were to be on trial payments for three months. Once we were "approved" for the modification, we would then get our payments lowered to $470 per month. We thought we had finally caught a break. Every month since November, we have been receiving phone calls from Bank of Americas collectors saying we were past due. Every time they called, my husband would speak to them. Every single time we were told, "Oh, we see you’re in review. It just doesn't show up right away on the account. Okay, everything is fine."

So, in January of 2010, my husband received his weekly call and answered it. Well, this call was completely different. Apparently, the "idiot' that arranged our modification loan never clicked the "submit" button. Thus meaning all the notes were there, but nothing ever went through. Even though we were always told everything was fine. Also, it put 3 months of bad marks on his credit report. They assured us they would waive all the late charges and the marks would be taken off of the report. But now we needed to get back into the loan review program once again for another three months! But this time, we were told to set up three months of advanced automatic bank payments for $454.82. So, we did. We got a call a week later.

My husband answers it, same thing as usual other than the fact they said we cancelled the loan to be modified. He protested that and everything was supposed to be taken care of. Then tonight, January 26, 2010, we received our weekly call about our loan. This time, it was very different. They called to let us know they are sending us out a letter to expedite foreclosure. You can only imagine how confused, angry, and upset he and I were. Apparently, we were not supposed to be paying a lesser amount for the trial periods. Even though we had everything set up. We were told to do so!

So, basically, all of our payments went to late payments and late fees and charges, which we should not have incurred during this time. Thus meaning we are now, technically, three months behind on our mortgage and they want us to come up with over a thousand dollars. We were never told any payments would have been put on late fees. We were told to start paying in November and forget the October because it would be on the end of our mortgage. We did acquire late fees due to the fact that he lost his job and we were not always able to pay on time. But we still would pay even though we would be a few weeks late. So, for four months now, we had been doing everything the people at Bank of America had been telling us to do, and look where it got us. And all they can tell us is, "Oh, I'm sorry, that was wrong information."

How is it that they can be so inconsistent with all of their employees? How is it that we have everything set up according to what they have told us and it is still wrong? Now, my husband and I are in the hole to try to find money that we do not have. They told us we could pay $670 by the end of February to void the foreclosure letter, but how can we believe anything they say at this point? Technically, our mortgage is due by February 1st, therefore, it would be four months past due, according to them. Something has got to be done about them!

By the beginning of November, it was clear that something was not being taken care of because we had not received any closing paperwork. We were advised by Mike that our loan processor's name was Imelda *** and we were given her phone number to contact her directly. We left many messages and could not get return phone calls. We called customer service numerous times and asked to speak to a supervisor, explaining that our loan processor was not returning our calls. We were told each time that we could not speak to a supervisor and the customer service representatives would email a supervisor and advise that we were requesting a return call. We never received one. We were, however, informed by customer service that Bank of America was backlogged and that the time to process our loan was acceptable.

We then obtained an email address for Ms. *** and sent an email explaining that we expected our loan to be processed in the time frame originally discussed and the fact that we have received no contact from her to explain the delay was unacceptable. Our 7-year expires in March 2010. Bank of America has been delaying this loan and leaving us to wonder when, if ever, it will be completed. We have received no paperwork with any financial details for finalization of this loan.

We advised Ms. *** that if we did not receive contact from BoA and this loan was not processed in a timely fashion, we would have no choice at the end of the loan but to hand the house back to the bank. And also that due to the current state of the economy, we hardly thought it made good business sense to alienate the customers who are actually paying their bills. We advised that we expected resolution of this matter immediately and that we also expected a phone call explaining why our calls have been ignored and no satisfactory explanation has been given for the delay in finalizing the loan. We did not receive a phone call from her. We received an email stating that she was waiting for GMAC to subordinate our second loan.

We were advised by GMAC that the subordination had not even been requested until the first week of December. On December 15, Ms. *** advised that she would request a settlement statement so we could go over final numbers on the loan. Then we were told that Ms. *** would be out of the office as of December 18, but that her manager would be following up on the loan. We did not hear from anyone at BofA and continued to leave voicemails demanding to know the status of our loan.

On January 7, Ms. *** emailed and said that she was still waiting for GMAC to subordinate the second mortgage and blamed GMAC for our problems, blatantly disregarding the fact that she didn't even request the subordination until December, a month and a half after we were told the mortgage would be completed and weeks after our initial calls to her. She refused to call us on the phone at any point during this process. We asked her repeatedly via email to call us so we could talk about what was going on. This request was ignored. We also stressed in every voicemail and email that our 7-year arm was set to expire in March and that we were running out of time to complete this process.

When we sent an angry email to Ms. *** on January 8, detailing our dissatisfaction at her handling of the process, she replied that she could terminate the entire loan. We then contacted Mike, our initial representative and advised him of our treatment and told him that we wanted contact with Ms. *** ended and our loan reassigned and that we were considering contacting a lawyer. We forwarded him a copy of her email and he escalated the matter with his supervisors.

Our loan was then reassigned to Sherry S. She contacted my husband via phone and explained that she understood our unhappiness and asked that we give her a chance to make things right. As of today, our loan has been with the underwriters for over a week. We have no patience left for this company. They've dragged this loan out, doing nothing at all for the first few months. My one phone conversation with her was horrible. When I asked her questions about the loan she became surly and confrontational. When I told her that I didn't appreciate her confrontational tone, she said she was just as frustrated as we are and knew exactly how we felt. Highly unlikely.

We have less than a month before our loan expires and are hardly farther along than when Bank of America actually began handling this loan (December - despite the fact that WE began the loan process in August). We have been treated poorly and given paltry excuses for BofA's shoddy customer service. It has been almost six months since BofA received our paperwork to handle this refinance. Our home is at stake. It is deplorable that this company has no qualms about treating us like dirt and leaving us to hope that we don't lose the home that we have been making payments on, like responsible citizens, when so many people are walking away from theirs. We want nothing more than to complete this process. Yet BofA continues to either ignore us completely or tell us that all we can do is wait.

They've had six months to complete a refinance that should have been done in two. Every step of this process has been unnecessarily stressful. Had we not called repeatedly once we realized that no progress was being made, it's likely nothing still would be done. We have had to fight with BofA almost daily to get any sort of progress or updates on the loan. This bank has received large sums of money from the government in the form of bailouts, which were funded by taxpayers like us. We are aware that we owe more on the house than it is worth at this time. This is not due to fiscal irresponsibility on our part. It is due to the state of the economy. We want to resolve this issue, this is our home. Which means that we want the loan completed as originally intended before the 7-year arm expires and BofA changes the terms because they realize that if we want to keep our home we have no choice but to bow to their demands.

On January 25, my husband contacted Sherry, yet again, to inquire about the status of the mortgage and was told that the loan is still in underwriting. He asked if we are supposed to make our February house payment or if the loan was going to be processed in enough time to make doing that unnecessary. Sherry told him she couldn't advise him of that. On January 27, I contacted Mike and advised him that our payment is due on February 1, and in order to keep our payments current and not give BofA any ammunition in a fight against us, that we were going to make our February house payment and that the numbers on the loan were going to need to be adjusted to reflect that. Mike advised that we would receive a refund from BofA. We have little faith that this will be the case.

In summation, this process was initiated in August 2009. It is now January 27, 2010. We are still waiting for Bank of America to do the job we are paying them to do, complete our refinance in order to avoid being caught with a $147,000 balloon payment on March 1, 2010, and having no way to pay this lump sum. Our mortgage payments throughout this process have been, not only on time, but early each month. We have never missed a payment for any reason. We have been treated rudely by the bank and have had to hound them almost every single day to get them to work on our loan. To no avail.

Bank of America has put us in a position in which we must wait for them to refinance a loan on which we have been paying for seven years. Their lack of action has pushed us to the brink of foreclosure and their treatment of us is infuriating. Unfortunately, BofA is continuing to drag this out indefinitely. We have no idea if we'll be forced out of our home once the balloon payment is due and we have no recourse against the bank because it is nearly impossible to speak with a manager. The rare times we have been able to speak with a manager, we have made no progress and were treated just as rudely by the managers as by the loan processors. We want nothing more than to complete the loan under the terms originally discussed with Mike in August and be done with this nightmare.

When I contacted Bank of America, everyone I talked to had a negative attitude. My loan modification was signed in Dec 2009. Now, can you tell me how someone can get a modification and owe more and have a higher payment than before the modification? Bank of America purposely withheld information and has caused my family and I more of hardship due to their fraudulent and deceptive (lying) practices. I'm frustrated and appalled. After all this, I was told I was never in the Making Home Affordable Plan that I originally signed up for. I was told and was under the impression I was in the government backed program. I've been fleeced.

Over the course of the last few days, I've called and spoken with multiple individuals who have not been very helpful. A lot of times, I get disconnected after waiting on hold for 20 minutes and then it gets cut off it enough to make one scream. It does no good as they won't hear you.

I've been trying to get a loan modification and also to get a former co-tenant removed from the loan. As it stands, this guy is still listed on the mortgage but he filed for bankruptcy and signed a Quit Claim but that doesn't remove him from the statement. I've heard of a release of liability but not sure if that will be granted from B of A. I've heard that a refinance will do it but there's no way that will happen as the home is under water, being that the price has fallen $150 and I still owe $452,000.

Trying to talk to these people is a frustrating exercise, it is futility. You will get a different story from a different person. I swear, if I call back a third time then I may get a third story! I hope that this is read by someone who can actually do something about this, but I'm not optimistic as the corporations that run this country care about one thing: the bottom line. If there was money to be made, then I'd get VIP treatment. Otherwise, I'm just another number. No one gives a **. I say this as a customer support representative myself. I have been doing Tech Support for more than 15 years and if I treated one of my customers the way I've been treated, I would have been fired.

I called BOA in September and they gave me a list of documents I had to send in for consideration of a short sale. I followed their instructions and were told it would take 45 days to process. Being rather distrusting (duh), I called on October 4 to follow up and check the status. I found out that they had never heard of me, had no short sale in process and I would have to send everything again. So I did. My buyers were being very patient.

Because of the lack of process in September, I followed up with them in November. They said I needed to provide more documents. I asked them why they hadn't called me and requested them and they said that they "don't do that". I sent the necessary documents. They said I'd hear from a negotiator in 10 days. I did not.

On December 4, my buyers decided to buy something else. I asked them to wait a couple of days while I called BOA. I called and after being patronized for over an hour ("We certainly do apologize for the inconvenience"), I was transferred to a "Supervisor". This "Supervisor" had me email all the forms yet again and then replied that she had received them and I was "in the system". She said that because I was about to lose my buyers, a negotiator would be in touch in 48 hours. When that didn't happen, my buyers walked.

Now my condo is on the market again and maybe it'll be shown before I'm foreclosed on.

I lost my one and only offer on my condo because of BOA's negligence. They have a fiduciary duty to me and our contract to work with me in a timely manner (I remember signing that page at closing, we'd work together in a timely manner, etc., should something come up). I will be foreclosed on my condo. I have lost $70,000 in appraised value and $26,000 in buying out my former partner. I have lost $25,000 in improvements. I am unable to pay an assessment by the HOA for $4,000 so they have slapped a lien on the place. My real estate agent has lost her commission (8.5%).

I was told I was in Phase 2 of the program, did not get a phone until after Bank of America decided to close the **Modification Workout Sheet** on 1/20/10 and phone call was on 1/22/10. I have called and now Bank of America is requesting that I submit again all the paper work for the 4th time. I feel they are not intending in helping bring the monthly amount of the mortgage where I can pay it. I had written a Hardship letter detailing my hours were reduced.

They also have some lame policy that makes your home insurance and flood match in amount (they didn't notice this until Dec) State Farm worked with me to make this happen all the while warning me to complete this by Jan (when renewal was due).

This didn't happen because the last 1.5 weeks of Dec, you guessed it, my "loan officer" was sick. So here comes Jan and I am about to have a fit, luckily state farm has known me for 10 years and they help get it all straightened out.

I have everyone working with everyone to get this closed! So here comes Jan 20th and I'm waiting on that call to schedule a close date (excited that I can get my home paid off before retirement and making all kinds of long term plans). I get a call. BOA says, "oops you opted in Nov 04 to have a month skipped and put on the back of your loan," and they go on to say PHA streamline won't allow that. Now we need income, credit, DTI ratio and a new appraisal because now it's over a year old and no good. I balled my eyes out and had a huge anxiety attack.

I'm not one to "roll-over" or, in this case, "bend over". I did my research and found that it was well known in Nov '09 that FHA was changing the "rules" come Jan 1, 2010 and would require all this extra stuff.

BOA lied again to me and I feel very strongly they knew and withheld and either they are very stupid in the line of profession or outright thieves. I'd love a class action lawsuit! But problem is I can't retain a lawyer. I'm lucky I pay my bills on time but wait, isn't it better now per Obama to be dire straits and a loser on payments and "skip" your mortgage, then a responsible middle class, single parent who has worked 24 years to not be in that situation?

When I asked why my home was being foreclosed since until my payment was refused, I have never missed a payment or been late. I was told she didn't know and that I had been sent a notice that explained everything. I told her that I had never received any notice. She repeated that I had been sent a notice. No matter how many times I told her that I had gotten no notice, she just kept repeating the same thing.

Finally, I told her that I have never missed or been late on a payment and that I needed to speak with someone about this. She transferred me into cyberspace somewhere, and I was cut off. I proceeded to call again, and the exact same cycle repeated. Since we did not want to be in arrears, Donna went out and bought the necessary money orders (Formerly I had simply sent payments online, and again, with never a problem or a single NSF.), and she went to the local Bank of America to make the payment in the "required" funds.

Again, Bank of America refused to take our payment, saying that our loan was in foreclosure. She asked again why we were in foreclosure since we had not missed payments or been late, only to be told that they didn't know and that we'd have to talk to someone at yet another telephone number. Then she was told that she would have to wire the money by Western Union to Bank of America with a special code which was given to her.

When she went to Western Union, she was told that they would charge her 10% of the amount of the loan payment, in our case $114.00 plus the $12.99 to wire the money since the funds were in money orders (as I had originally been told was required), and Western Union had to cash them before sending the money. Donna called me in tears, and I told her to come home. We had spent more than three hours (not to mention a very sleepless night) between the two of us trying to straighten this out.

This morning, Donna called the telephone number the local Bank of America had given her and spoke with a woman who finally found out that our home had been routed to foreclosure in error. She said that they had removed the foreclosure code, so that we could finally make our payment bringing our mortgage up to date.

So this afternoon, we went back to our local Bank of America to make our payment and were told that the foreclosure notice still was not lifted on our account. The assistant manager told us that Texas and California are on two different computer operating systems, and so, it probably just hasn't made it through to the Texas system. He said our only recourse was to send our payment by FedEx, which we did. But we are now in the position of having to wait until at least Tuesday of next week to find out whether or not our payment will be accepted and whether or not our home is still marked incorrectly as in foreclosure. Someone at Bank of America's mistake has made our life a nightmare.

I doubled checked the fax number with her and re-faxed it to her. I called the following day to confirm receipt. She claimed again that she had not received it. I asked her if I can email the documents to her. She gave me her email address that would go directly to her computer. I asked her to stay on the line while I emailed the documents to her. I confirmed with her that she did receive the email and opened the attachment and got the documents. Two days later, I get a call from Carla stating that she never got the email. I reminded her that I was on the phone with her and she confirmed that she got the email and attachments. I said for her to check her emails. She goes, “I found it,” and hung up. Customer service at its best.

The next document I received from her by FedEx was the Partial Payment Agreement, which I FedEx’d back to her on October 21, 2009. I never heard or spoke to her since. I called to verify if she received the agreement. Her mailbox was full and could not receive any more messages. This went on for 2 weeks. I finally gave up. I then filed a complaint with Better Business Bureau against Bank of America. I received a call from Jessica ** in October 2009. I thought she was calling me regarding my loan modification. Wrong! She stated that she was very concerned because I had filed a complaint with the Better Business Bureau and would I remove and state that everything ended on good terms. I told her that I was amazed that Bank of America was more concerned about a complaint, but could not conduct business with its customers. I said I will not do such a thing.

January 10, 2010, I get a call from a Alina **, loan modification representative. She stated that the modification is in process and would be completed within 20 days. I told her that the agreement I signed was to expire on February 1, 2010. She stated that everything would be completed by then. On January 21, 2010, after calling her number and being transferred to numerous people (10:00 am - 1:00 pm) and being on hold, my phone was on speaker phone, finally she calls me back at around 3:00 pm. She stated that she needs to get more information from the Tax Assessors office regarding my property taxes. Property taxes are due December 13. So now, she needs that information in January 2010. This loan modification has been going on for almost a year. Everyone else that I know that has done a loan modification has them done in 2-4 months. She stated that my loan is one of those that's not the norm. My loan is a 30-year fixed conventional loan.

I know it’s time for the banks to hand out their bonuses. So I guess they need the money for that. Does Bank of America really care? I don't think so. I would really like to know, under Obama's administration and his Making Homes Affordable plan, who qualifies. I have never been late on payments, my credit score is a few points from being excellent. So I don't see what the problem is. I guess if I might qualify for $500,000 bonus for not processing loan modifications, I would do the same thing.

I called Hope on September 4, 2009 and was told that my application for loan modification was cancelled because after paying my bills I would not have enough money left. They said that I needed to have emergency money left after paying the bill. If I did not call, I would have never known that I was denied. In the mean time, I was struggling to pay my mortgage payments and other bills.

I was receiving threatening mails about foreclosures but there's no response from them about me being approved or denied for a loan modification. I was in shock but decided to call again and I asked what should I do. The operator told me that I should apply for a reconsideration with them.

On October 21, 2009, I faxed my hardship information plus proof showing that I now had a roommate who would help me pay my bills and this would allow me to have emergency money. Once again I was told not to call and someone would get back to me through the mail or a phone call to let me know if I was approved.

Days and months went by and I still did not hear from the Hope program. So I called again. I was panicking and worrying that a Sheriff would come any day to put me and my roommate out onto the streets. During that call, this is what I was told would happen if I did not pay my mortgage in full. I constantly explained to them about my hardship and why it had occurred and that I was applying for their loan modification program.

I told them that as of May 2009, I was ordered by the NJ governor to take 10 mandatory unpaid furlough days starting in May '09 until June '10. I told the operator that's when I began having hardships and when I applied for reconsideration I also faxed a copy of my furlough notice from my employment. Bank of America's Hope program told me that I should continue to pay but pay as much as I could until my modification was approved.

I did pay each month as much as I could. I would receive 3 letters at a time mailed to my home and 2 that I had to sign for at the post office threatening me about what would happen if I did not have my mortgage payments paid in full. But I never received notification about my loan modification. I never received a telephone call from the Hope program telling me that I was approved or denied for a loan modification.

In November '09, I did receive a notice stating that Bank of America received my inquiry pertaining to my loan modification and that the information I provided, "has been documented in their system. Thank you." By October '09, I still did not hear from the Hope program. I called again in December '09 inquiring about my being approved or denied. I could not get information from the operator so I asked to speak to a supervisor. I explained to the woman supervisor that I applied for a Home Loan Modification in May '09 and that I never heard anything back from their Hope program. All the operator does is tell me how much I owe and when will I pay it.

i demanded answers from her. She told me that she would pre-approve me as we spoke. She assured me that I was pre-approved that day, December 3, 2009. She told me that I will receive mail confirming this in a few days. I did not receive the letter or a phone call confirming my pre-aprroval. I waited and waited, still feeling frightened about being thrown out of my home. I became depressed and nervous daily, Not knowing when the police would come to throw me out of my home.

I borrowed money so that I could get my mortgage payments caught up. I just knew that if I did not, I would lose everything. Trying to pay everything by cutting back on some bills made things spiral out of control. I did not feel confident that I was approved like the supervisor had promised me. So I called again in December 9 and I asked right away to speak with a supervisor. I spoke with a man this time and he told me that he could see on his computer that a supervisor did pre-approve me last December 3, 2009 and that I was now approved and I will receive a notice confirming this in about two weeks in January 2010. He said that the letter will explain everything that I needed to do such as what my payments would be etc.

He said that my modification would be from January 2010 until March 2010. He said that I could wait to pay December's mortgage payment and that I could pay it in January but it would be applied as December's payment. Three weeks have passed and I still have not received that notification of approval.

I called again on January 20, 2010. The operator told me that my loan modification application was cancelled. I asked why. I told her all about what I have gone through concerning this and that I was approved. She reluctantly told me that it was cancelled because of a problem on their end. The computers had a problem. Then she kept putting me on hold. She came back and told me that I was denied because I had an outstanding balance. Then she said my application was cancelled. I told her that I owed only January's payment. Then she said that she would re-refer my loan to be reviewed again and that it would be starting the loan modification process all over again. I asked her why she could not let my approval go through since the problem was their fault. She said yes it was a fault on their end but she could not do this because I had an outstanding balance and that I owed $756. I told her that I owed $713.66 plus $25.93 late fee.

I asked where did she get her amount from. She told me that I am charged a $10 fee because they did an inspection fee. I asked what inspection and no one came to my home to do an inspection. She said that they wanted to verify that I own the home and if I lived there. She said that they do this all the time but they do not tell the home owner. It costs $95, they pay $85 for it and they charge the home owner $10 to have it done. She said that this was normal and it was done on January 6, 2010. This operator kept putting me on hold and coming back with different answers than what she had told me the first time. She seems nervous and she would pause when talking to me as if she was listening to someone in the background telling her what to say.

Then after putting me on hold again and coming back, she said that she could put me on a payment plan for three to six months. She said that they would spread my payments out because I have an outstanding balance. She said that's all that she could do. I feel so confused and hurt and not knowing what to do, I said that I will find a lawyer because this does not make sense. It has caused me so much stress and I do not know where to turn.

Bank of America offers loan modification as help but they did no help me at all.

Finally, BAC informs me that in November 2009, my escrow amount was insufficient to pay my county taxes, which then they took money from a payment to pay them which now leaves my account in insufficient payment amount on top of the missing August payment. Now, BAC is raising my mortgage payment in order to pay the escrow amount they say was not enough. By the way, my homeowners insurance did not increase and my property taxes went down. What's wrong with this picture?

On September 22nd, 2009, I found the original email that our B of A loan officer had sent me confirming a rate lock at 5.125%. Her email response to me was this: Hi. I am so very sorry for this situation. I truly mean that. I confirmed that a note modification will be sent to you directly. Once you receive that, let me know and I can pick it up from you and send it back to the department. I want to do whatever I can to make the correction as easy as possible for you. It will take the legal department a few days to prepare this so I don't think you will receive it until next week. Let me know when you do receive it and also if you don't receive it by the middle of the week next week so I can follow up for it. Thank you both so much.

After approximately 17 more emails to her, with varying responses, we have seen absolutely no indication that there was any progress being made. After four months, we feel that we have given Bank of America adequate time to rectify this problem.

Now, if BOA would adjust my mortgage on the interest, I could then afford the house and be able to raise my family. It would not make me a lot of extra money. I have put in several calls to BOA, talked to the California branch and have been told that there is nothing that they can do for me. Then, when I did get through, they tell me that because I make my payments on time, there is nothing that they can do.

I am paying on time, in good standing, no problems to make my mortgage payments. I just want to refinance and lower my mortgage rate, but more than 100 days it's ridiculous, and who knows how much longer it's going to take and what other surprises I can expect based on the complaints I read from our BOA customers. They did not disclose at the beginning that it's going to take so long, and I could have gone in the meantime with a better lender, lock a good interest rate and finish the process on time without so much aggravation.

The bottom line is the time lost. Are they waiting for the interest rates to go up and change the terms of the initial conversation? Are they locking us in a dead end transaction (because I paid a non-refundable fee of $400), and make us miss the opportunity to refinance with somebody else with a good rate and on time. BOA's business practice is unprofessional, and they should not be in this business at all. Well, it looks like we will again bail them with our money after they mocked us all the time.

He said he would put a credit block on it and would make sure my money is posted right away. In the meantime, I then paid my January 2010 payment online by bill pay through BoA and now, the December and January payments are both in limbo. I called back on 1/5/10 and spoke with a Shannon, who stated there was nothing I could do. It was being researched and they expect it to be finished by 1/27/10. At that point, I will receive a letter stating all cleared but then she said I should pay my mortgage through their phone and not online if I was having such problems! I then received a letter from BoA Home Loans stating my loan was in default and this was sent on 01/07/10. They said this was the first step towards foreclosure! It also stated I owed late fees. I received this letter 1/12/10 and called again to the mortgage area of BoA. I was told to just ignore the letter I received, that they are automatically sent out.

I asked why, since they are all from the same company, didn't they communicate? I then asked how I would get an accurate end of year interest statement from them if my December payment didn't post and I had to do my income tax. She then said I could write them and they would start a "research" on it. I was at my wit's end at this point and on 1/13/09, I called my local Bank of America branch and spoke with a Matthew **. He was very kind and understanding and he tried to find out what happened and what can be done to fix it. I got a message today, 1/15/10, that it is in "research" and will be finished by 1/27/10. I am back to square one and in the meantime, I can't consolidate my debt, get a loan, etc. because it looks like I didn't pay my mortgage.

As I started to walk away, the door opened a bit and a woman asked me what I wanted. I approached the door, and she let me in the office about a foot. She asked what I wanted, and I told her I needed to discuss my modified mortgage. She responded that they do not do that there and I would need a lot of luck in dealing with that department. She then showed me the door.

I have not heard anything from BofA, and they just auctioned the house yesterday. No dates given nor any discussion about this investment. When I called the toll-free number for the modification department, I ended up with a person in India who does not speak English very well and are just reading from a script. This service I have received from BofA has left me confused. I vow never to use any BofA products and ATMs, and I hope others do the same. I am now renting a house with a foreclosure on my record.

Now, all my payment are up to date and current, and that is also what is posted on Bank Of America's Home Loan Website. Again who is sending these letters, and who the *** is running Bank Of America? Shame on you, Bank Of America. I did read Jim Collin's Book Good To Great. There is praise and many life learned lesson Bank Of America shares with us all. However, today's so called Bank of America is not the same, and you will go down. I will live to see you go down, and will celebrate. Again, shame on you Bank of America, you have made my life and many others miserable.

On 1/5 I saw the payments clear my checking account. On 1/6 I noticed one of the payments was deducted again! I called BofA and explained what happened. The lady actually told me it was an error for BofA to email me it was due and that I should just ignore it in the future. Um. Ok. Should I just ignore every email you send me then? They told me I had to fax them a copy of my checking account transactions to show that both payments cleared my account. Sorry, I thought you were a bank and could see for yourself that you have the money. They then said it would take up to 72 hours to post back to my account. I questioned why it would take 72 hours to return my money when it didn't take that long to take my money. The woman gave me a spiel that "it has to go to the Federal Reserve first then it comes back to us." I said, "Oh. Is this what happens when the government bails you out and owns you?"

1/7, the second draft from my other mortgage was taken out as well. I faxed them a copy of my cleared payments. In the meantime, I had to scramble to transfer money from other accounts to cover the extra $3500 they sucked out plus for my other bills that would be withdrawn that week. I expected (naively) to see one of the transactions reversed by Monday, 1/11. Didn't happen. Spent an hour trying to explain the situation again to different people and was told it shouldn't take more than a day. They first tried to blame it on not receiving my faxes even though I have a confirmation that the fax was successful. 1/12, still no money. I dpoke to Kenny at payment reversal department who said they did indeed have copies of my faxes and he said emphatically that one of my reversals would post by the end of the day and the other should post within 24 hours.

1/13, still no money. At first blaming it on not receiving my faxes (again) but then blamed it on Kenny who "wrote the ticket wrong". I spoke to Gloria at payment reversal who refused to let me speak to a supervisor. She actually told me that BofA doesn't let them transfer us to supervisors or managers. I ended up giving the phone to my husband at this point because I was done. At some point, Gloria gave him the name of LaVonda ** as a manager. We called the number to verify that it was a real number/person. At least that's what her voice mail said.

As of this evening, 1/13, I still show no signs of a credit coming in to my account. I also don't show any sign of a reversal on my mortgage transactions. I have $100 in my checking account and have now gone almost 2 weeks since they first started this nightmare and haven't been able to even go grocery shopping! So here I am trying to be responsible, having reserves for emergencies in various accounts but this nightmare has sucked those reserves dry in a matter of 2 weeks. In the meantime, BofA has been sitting on and using my money for 2 weeks. They basically stole it from me!

If I don't see any money in my account, I'm calling the Attorney General's office in the morning. After reading a previous entry that sounded just like my experience, I'm convinced that this is a pretty standard MO for BofA. Economic consequences: I’m facing overdraft fees, I spent hours on the phone, and I’m being charged finance charges on credit card bills (that I haven't paid in years) because I don't know if/when I'll ever see the money.

On Dec. 17 2009, I was told by B of A that I had been approved in Sept. for a new payment of $1,201.25 down from $2,680. I was told that I was approved 9/28 and no one notified me and now I was in default for not making my new payment even though they confirmed that they never told me. I even called several times and was not told. I made a payment over the phone right away for the new amount and that didn't help. I get a different story every time I call the bank. I spend 2-3 hours daily on the phone with them. I have tried all of the free hud and hope counselors no one can help. Now, I have hired a lawyer to hold off the foreclosure process and no one will work with us. I lost my job through no fault of my own September 2009 and I've created self employment for myself and have a 2nd part time job. I'm making less than half of my previous salary. I've also taken in a roommate for additional income.

I bought my home in Nov. 2005, put the 20% down and did everything right. I had perfect credit until recently, now I am facing foreclosure and the bank tells me that I'm not eligible for any programs. My loan is Fannie Mae backed, they wont work with me. Every eligibility screener on Fannie Mae and the making homes affordable site says I'm eligible. Fannie Mae keeps saying B of A has to do something for you.

I feel obligated to contact Consumer Affairs. What other lawful measures or procedures can an American take to forcefully have banks comply with the president's request? It's unfortunate that banks purposely face many unnecessary losses when they have the potential to modify home mortgage loans. Since 2001, I have made all my payments on time and in some cases, two months early. I had to undergo surgery and was unemployed resulting in missing one payment and economic problems.

After 8 months of getting the run around, we finally got approval in mid December. However, unfortunately the original buyer of the house had to back out due to a recent discovery of a terminal illness, so in turn, my realtor found a new buyer within days who was willing to pay cash. B of A told her it would be a short amount of time per getting the letter changed so we waited while, in turn, the new buyer did the inspection and set up earnest money and all with the Title company waiting to close. Once again though B of A did not respond to inquiries regarding the letter change and come to find out today that last week, the property was foreclosed on without anyone being told. House was not sold to new buyer and foreclosure is noted on my credit report.

Well, I received another call the latter part of December from a Ryan that told me I need to fax all the information again. I explained to him that all the information was faxed on 9/28/09 to Angelia and why did I have to fax it again. He gave me some type of flimsy reply and told me I was required to fax the paperwork again. I told Ryan that I still have the confirmation sheet where I faxed Angelia eleven pages on the above mentioned date at 2:01pm and why he cannot obtain it from her and that my main home is in Tulsa along with my safety deposit box where I retain all of my tax information. I also informed him it would take me a couple of weeks to leave Oklahoma City and travel over 100 miles to Tulsa and retrieve all of that information again. In the meantime, I called my son and advised him to fax all his information to Ryan again.

I finally made it to Tulsa during the Christmas holidays and retrieved all of my information and faxed it to Ryan. I called him and left a voice message to please return my call and confirm he received my information. I never received a return call. I called back a few days later and spoke with Ryan and asked him if he received my information. He asked me again who I was, and I repeated my name and gave him some background on the reason for my call and he simply told me "Oh, your loan has gone away." I asked him what did he mean, and he told me my loan had been canceled.

Well, if he had originally informed me that time was of the essence, I could have made arrangements to have my son go to my bank in Tulsa and retrieve the information, but he did not tell me I was on a "time limit". I find it very interesting that I was placed on a time restriction, when BOK has taken over three months to process my application, charge my credit card $495.00 and then had the nerve to cancel my loan.

Please respond as to why I was made to jump through hoops and also credit my card for the services you did not render.

I was told they are backed up and a decision may take 90-120 days! I waited nearly 90 days and decided to call in to see if there is any progress. I was told that my file is missing documentation and that they are waiting on me to provide the docs. I asked about the docs I already faxed. They confirmed they have that but needed my last two years' income tax returns. I asked why was I not told to submit those back in March when I initially started this process. I was told that since I applied, there have been new requirements (docs) needed. Okay, so I asked when were they going to tell me that they needed these income tax returns. They said they do not make outgoing calls and that they assumed I would call back and check on the status of my application and find out then.

So, I gathered the tax returns, made copies and faxed them in. I waited the required three days. I called back to check if they have the fax. I was told that yes, they have it. I was told the same story that they are behind and since my application is now complete, they can move forward in the process. They told me to wait another 90-120 days! Finally in December 2009, I got a form letter with no explanation but I was told there is no work out plan for me! Nearly 9 months of waiting and screwing around, I am given one letter of denial! No reason given, not explanation!

On a subsequent call, I was told in October that a letter was sent out on October 9th, the letter is dated October 13th. The letter was sent out before the documents were received. The letter states basically that the program is not available and states that I may want to consider selling my home at fair market value. Each representative has no definitive answer but requests that I make full payment for the mortgage amount. On November 27, 2009, I received a call from Sarah (one of the representatives from the Eminent Default Department) stating that I was approved for the Home Retention Program. I was thrilled to hear this news. She went over the financial information with me and calculated a payment of $620.00. She repeatedly stated how lucky I was and this was good for the life of the loan. I was informed to call in each month with that payment amount. She stated that I would receive a packet in the mail within 14 days (FedEx) and to go over all the documents carefully.

I called back in to the Eminent Default Department on December 4th to confirm that information and to get a tracking number for the package. I spoke to an Indiana ** in the Eminent Default department who told me that I was misinformed by the previous representative and she apologized on behalf of Bank of America and would resubmit the loan for review. This is just not acceptable. They made a verbal agreement, which is binding. My complaint is that Bank of America is not helping me as was promised. I have agreed to all of their terms and agreements. I am desperately trying to keep my home. I am not looking for a handout, just help. I would greatly appreciate any assistance or guidance you could offer. Looking forward to hearing back from you.

Normally, I am notified in March of any variance in my escrow and adjustments are made at that time. I informed the customer service representative of an adjustment made earlier in the year. She apologized and informed me a letter was sent out.

Two day later, I received a letter regarding my escrow account being short and I needed to pay the $22.48. I paid the fee in October of 2009. Today I received a notice that there was a processing error that has resulted in my account being billed incorrectly on my recent monthly and/or online statement generated during the week of November 16th which is later than the October payment.

The notice states, "the amount shown on your next payment due was more than the actual payment due." This is January so it has taken two months to detect the error. No amount was noted, nor how much the error was for. I tried to get online and check my account but it was not available. I called the number listed on the letter and did not get through on the first attempt. When I did get through, Lisa, the customer service representative, could not access my account either. I told her that I was upset and wondered how many other errors have taken place and who may be hacking their system. I told her that it's pretty bad that you need to contact a lawyer to get correct answer. She hung up. I would think that they could at least note on the letter the amount that was inaccurate.

To me, this is a major warning sign that something is going on that is not legal or not on the up and up. As a taxpayer, we have bailed this company out so they could gouge the individual and then are unable to answer the simple question of how much is the error.

$22.48 does not sound like much but for a single parent that has taken a 20% drop in pay over the last year and it can be a tank of gas or milk and bread. I really want to know if my mortgage is being handled properly. I have been with BofA for approximately six years. When I wanted to refinance, the only thing they could do for me is charge me $1700.00 in closing cost to reduce my mortgage by $50.00 per month.

I want someone watch Bank of America. They are not trustworthy and I can't afford to change mortgage companies.

Two months have gone by and I received a letter stating that I am behind on my payments in the amount of $2,500.00. This is in December of 2009. I sent them a payment of $676.75 on 12/8/2009 so that it will not go to three-payment delinquent. I called them every week to find out why my check was not cashed and they kept telling me that they did not receive it. My blood pressure went high so my wife called them to speak with them. They said that they will not talk to her because I am the one on the loan. I gave the authorization faxed to them. They gave my wife a 24-hour time to talk to the customer service regarding my loan.

When she asked them how we can reinstate the loan, they said it will take $2,800. Their letter specifically states that we owed them only $2,500. My wife asked them to email us the figures so that we can get the money. They said they could not do that because the loan is at the foreclosure department. They connected me to that department with a lot of waiting. I asked them the same question about the figures. They told me that they had sent our account to the foreclosure attorneys on the 17th and that I have to get in touch with them and hang me up.

All this happened on 12/24/09 so I called on 12/26/09 to see if any one else can help me. I was told to get in touch with the attorneys, Brock and Scott at **. As usual, it went to voice mail. I left a message with my telephone number, loan number, property address, etc. Then, I was told that the office that handles the account is in Wilmington, NC and told me to contact them. I left message again. I received a call from them. I informed the attorneys that I want to reinstate the loan and would like to get the figures as soon as possible because the amount will increase day by day.

Today, 1/5/2010, I called the attorney's office to find out when I can get the figures. I was told that the bank has not send them the paperwork on my loan yet and it will take another five to ten business days. This will push me in the four-month delinquent status to legitimize their reason to foreclose. I feel that the Bank of America is doing an injustice to this poor 77-year old man by making me pay for the attorney's fees and late fees and other junk fees so that I will lose my house. I have a lot of equity in this house and cannot afford to lose at my age. Please help me. It is sad that a giant bank like Bank of America bailed out with my tax money and is doing this to this poor old man. Thank you for listening.

For over a year now, I have no job and things are starting to get real bad. We have plenty of other bills that we have to pay as well. We need some help here. Is it legal to set you up with a loan that is not based on your actual take home pay? We are now looking at bankruptcy and possible foreclosure. We are in contact with the Attorney General's office at the present time.

What can we do? We have worked out a form of loan modification, but they did not combine our first and second together and according to what they sent us, the payment is a little lower. However, as time goes on, the payment gets higher and they want this signed in front of a notary and sent back ASAP. At this rate, we will be in financial ruin forever. Please help.

We’ve been making our payments since then to Bank of America and we’re still getting calls every week that we owe more money. Now, out of the blue, Bank of America says we owe them $2,000.00. Why? They haven’t been crediting our payments because of the August payment which is still frozen in Taylor, Bean and Whitaker’s bankruptcy. Now, they are sending us a notice stating that if we are more than a month in default, we will get a foreclosure notice. What’s wrong with this picture? We have never been late on a payment and this happens to us.

In October 2009, I found another home, placed a contract on the home, and have been given several closing dates. Finally when I was set to close on December 29, 2009, Bank of America started to delay my closing date by asking for last-minute items which I did submit to the bank. But Bank of America began to delay the closing for no apparent reason. They began to avoid my attorney and I by not responding to emails, faxes, or phone calls. They refused to inform me of a new date.

Please can someone help me? I am an African-American female with good credit and money. Why am I being treated at the last minute like a person who does not qualify. I do not know what else to do with Christal and the Bank of America in Cranford, NJ. She refused to respond to my faxes, emails, and telephone calls and is not giving me any answers.

Even my attorney has tried calling the bank. Please, someone help me, or I will be forced to write a letter to my Congressman and the new CEO of Bank of America. I will not let this issue just disappear. I will get my new home if I have to apply for a mortgage at another bank. But in the meantime, I will write letters to Congress, the Senator of NJ, and to our President, Mr. Obama. Remember, Bank of America did receive. Thank you

In July of 2009, we struggled to make the mortgage payment and as a result, missed it completely. As a good citizen, we looked for the best alternative to make this payment. BOA offered a repayment program whereby we would increase our monthly mortgage payment by a couple of hundred for a couple of months in order to catch up to the missed payment. By Dec 2009, I should be all caught up. Under the plan, the representative assured me that no late fees would be incurred. I recall specifically asking for this confirmation, I was asking for all late fees to be waived, instead she confirmed I would incur the first month's late fees and that all subsequent fees will not be incurred while I was under the program. Nonetheless, every month, my account was reflecting as if it was past due (no mention of the repayment program). Moreover, every month, it incurred late fees.

For the past 6 months, I have been in a constant battle/cycle with BOA. Every month, they had a debt collector call me stating that I was late. I would explain the above, they transferred me over to customer service who would in turn assure me that as soon as I made the final payment under the repayment program (in Dec 2009) that my account would be adjusted to reflect that it was current and all fees would be removed. Every month! As of Dec. 1st, I have been in a constant battle with BOA regarding late payments fees that were promised to be waived under a repayment program that I took part of. They say that they regret to inform me that the representative "misinformed me" but that they will not be able to waive the fees. I have spoken to countless customer service reps, spent hours of my work day to address this matter to no avail.

It is their responsibility to train their employees correctly and to be accountable to their claims and agreements. I challenged them to pull up call logs and recordings and they claimed that they can't. It is despicable that they treat a soldier's family like this and can get away with it. To this day, I am still getting phone calls that my account is not up to date, when it is. And as I type this, I have been on hold for several hours to try to get this matter resolved and I truly see no end in site. How can a bank treat a customer this way when it comes to the most important material possession they can have, their home?

On Oct 13, I called BoA's 800-669-0002 asking for "Rose". I was informed that they could not transfer me and that there was no way they were going back to the 45 minutes and more conversation with "Rose". I asked them why then do they claim to record our conversations but can't play it back. After hours on the phone, I decided I was going to just sell the property outright. It was not worth it for me to deal w/ the Home Retention Dept. In the meantime, collections would call me every month and every month they were informed of the closing date. My agent & the Title Company both faxed them the current contract on the property.

In late Nov, I called for a payoff amount (at the request of my agent and Title Company as they were both unsuccessful in obtaining it from BoA). After hours and hours and being transferred to at least 5 depts, I was informed that they had started foreclosure process on my loan. Foreclosure? I have never been so frustrated and helpless in my whole life until that day. Here I am doing what they asked me to do and they are trying to take my house without officially notifying me.

On Nov 25, we received a letter stating that they have gone to the property and changed the locks. I called BoA to let them know that we needed access as we are trying to complete the selling process. I was promised the keys would be sent to my current address. We had to break into our own property in order to let the Buyer's inspector in so that we can complete the sale.

Just when I thought I was finally done with BoA, they faxed the Title Company a notice that my Payoff was short over $600 in foreclosure fees 7 days after the loan was funded. I had already paid over $3,000 in foreclosure fees in order to sell the property. I still can't understand why they even started foreclosure process but paid it anyway in order end this mess and now after I've paid what they asked me to pay on the payoff balance that was good until Dec 23, they are wanting more. I called the 800 number various times, was on hold for hours, and on certain occasions was disconnected. That 800 is nothing but a joke. No one was any help and all they wanted to do was pass you from one dept to the next.

To reiterate, I closed on the house on Dec 18 and it was funded on Dec 21. The payoff amount they requested was good until Dec 23. Now on Dec 30 they are demanding more money. Oh, I finally received the keys that were requested Dec 8 on Dec 28 via FedEx. To top it all off, BoA went back to the home Dec 24 and posted foreclosure notices on the door while the new buyers were moving in. I was so embarrassed.

I've repeatedly called the 800 number and have spent hours and hours explaining my situation and being transferred from one dept to the next. I've even tried having my local branch help me but was informed that they too had to go through the 800 number. Why do I have to be placed on hold for what seems like days (if I'm lucky enough not to get disconnected), explain my situation over and over from one dept to the next and still can't get anywhere? Someone please help me.

Bank of America had the house insured with a company called Balboa insurance. Between the two of the companies, they played; we sent the check to Bank of America, where as Bank of America would claim, Balboa has not issued a check, thus, no repairs were done. Whenever she calls Bank of America, they are rude and Rueben, the supervisor, refused to allow her to speak to another supervisor over him and also hung up on her stating several reasons such as," I've already answered your concerns, you have a bad attitude towards my answers and even you're taping this conversation." I taped it actually and he was a real pain and disrespectful to someone much his senior.

Whenever she has called back, they have not answered altogether any of her phone calls. Seriously,as of 1-04-10, she calls and no one even picks up. How is that possible? The end result of all the back and forth between Bank of America and its insurance partner in crime, Balboa, is that Balboa says they've sent a check while Bank of America says they have no check and can't make any repairs. The result is more damage and more emotional stress on my mother.

We've had it rain on us literally through the roof causing mold damage, then more inside roof damage at night you can hear. It sounds like it's going to cave in, the windows are still out, so when it snows, rains, and the wind blows, it comes straight through. I've done minor repairs to prevent this but I'm no expert and we can't afford anyone to do anything about it, and eventually the rain, wind, snow, etc. come through like nothing was there. Also, the lights work when they want to and the bathroom lights are all out. If it sounds like I'm complaining ;it's not because I'm trying to get over. It's just that this was the dream home. She lost her job and if they aren't going to fix the place until we leave because nothing is being paid on it, then why not just say that and be done with it? Why allow someone to live in a place with windows out, with rain, snow coming inside causing more damage? And why be so verbally abusive to a senior? Bank of America is a cruel and evil business. I will believe it and will speak until my very last breath.

There were 5 or 6 in our neighborhood that had the same issue. We all got rezoned out of high risk from Fema. No flood insurance necessary; one I know of was reimbursed for costs associated with flood insurance. We are not and they're saying its too bad, so sad. It's an obvious case of discrimination as the white owners in exact same situation were reimbursed. We have proof and all letters stating we didn't need flood insurance to begin with.

My brother relied on this mortgage refinance to get his name out so that he can buy a house by himself and apply for other loan. I told him what Eric ** said to me back in the first week of November 2009 that refinance will get done at the end of December 2009. However, we are into 2010 and the loan never got done because he went to Vietnam and gave my loan to Gina **, which has never done anything on the loan paper work. I am emotionally stressed and financially lost to my brother.

My loan is in default for no reason and this is only hurting my credit in any future financing. I would love any attorney's help in legal advice because unfortunately, it seems like that's what it will take to motivate B of A to fix this. My HELOC accounts have been suspended. My credit score is taking a hit, and I am continuously being called on my cell phone and harassed (2-3 times daily).

The lack of help from BofA has been an economic nightmare for me. I am already disabled and unable to work. I do have income but needed help, even a temporary help would have eased the pain a bit. The physical and emotional pain was overwhelming. I will never forget, and hope that a class action lawsuit will come about for people like myself. The late fees and frustration and humiliation this bank has caused will not be forgotten.

The second problem is that our mortgage payments of $845.05 are automatically taken out of our BofA checking account by BofA on the 15th of every month. Our payment on 12/15/09 was split up by BofA and they applied $745.05 ($463.77 for the principal and $281.28 for the interest) and $100.00 to the principal. I’m not sure why BofA did this. Then after we called on 12/16/09, they removed the split payments and reposted the payment on 12/28/09 as $845.05 ($463.85 for the principal and $381.20 for the interest).

Lastly, on 12/28/09 BofA posted a payment of $50.00 to the principal and then they removed $50.00 from the principal. The two principal payments on 12/03/09 and 12/11/09 have not been applied to our account and should be applied on the correct dates or we will be charged interest charges for the principal balance. The mortgage payment we made on 12/15/09 should be posted on the correct date, not on 12/28/09. We are being charged interest per day of the principal balance. I think an audit should be done on our account.

Looking at the prior complaints, I see a pattern that they will delay loan closing dates in order to renegotiate at higher rates. The B of A online mortgage service is blatantly dishonest, and has cost me a few thousand dollars by dragging out negotiations rather than simply telling me up front that they won't fund the loan at the originally agreed upon rate. Consequences: two months of higher mortgage payments, and having to use a different lender for a 5/1 ARM rather than 30 year fixed. B of A told me they would still like to lend me money. However, it would have to be at a new higher rate now that all rates have gone up.

So, we started the process. We contacted BOA and got an agent. In the beginning, everything went well. We were told that the process should take 60 days and we needed to get closing cost together. We talked to our family and were able to come up with $5K. 60 days came and went. 90 days came and went, no word from anyone. I called at day 120 in October, got a hold of a Mellissa **. I was told that all the documentation was done at it, should be processed and to the underwriter at the end of October. We waited until the beginning of the second week of November to call Mellissa back. I called to find out what has happened and she informed me that her process was done and it was over at the title company.

About a week later, I received a call from the title company stating that we had to send a check to our home equity line of credit to subordinate it. I then put a $100.00 check in the mail and waited. I called the company who holds our second in the first week of December to find out what happened and they told me they were waiting on the money wire. They have received the paperwork, but could not process it without the money. I called the title company back and was then told it was the other company's fault, not theirs. Two days later, we received paperwork in the mail. I thought it finally went through. What we received was a withdrawal letter stating that "we" recently withdrew our application.

I called up Mellissa and she informed me that "they" withdrew the application because the second would not subordinate fast enough. With the letter also came information about all the liens that were currently on the house. There were six or seven of them. BOA took my husband's name without his SS number and attached every lien under his name, not his SS number. We had child support liens and unpaid tax liens for people living on the east coast and in Georgia. We were told it was up to us to clear the liens, not them. A week went by and Mellissa emailed me. She could no longer speak on the phone to me. She stated the title was free and clear and now all we had to do was subordinate the third lien (which was our roof). She stated it was up to us to talk to the third holder of the loan and obtain any and all necessary paperwork to subordinate.

I asked her how we were going to do that. I have never subordinated a loan before. I am a housewife from Northern California. I do have a degree from a four year college, but not in banking. So this is where we are today, my husband and I will give BOA one more month to work this all out. If this does not happen, then we are through. The balloon payment is due in six months. We will not have the money to pay it off and will lose the house anyways. BOA does not care because they will get their money out of it if it goes to foreclosure. I feel sorry for our second and third because they will get nothing. Thanks.

In 2009, there was a downturn in the market and interest rates dropped so since we have good credit and always pay more than the asking amount on any of our bills, we decided to refinance our home through a mortgage company in March of 2009. After the broker checked our credit score and that we were in the higher range, he said that the only problem would be Bank of America since we would have to subordinate since our main home loan was through CitiMortgage.

B/A said I would be charged a fee of $125 for this process but within two days of wiring my check, I received a notice from B/A telling me that the price of our home had gone down and that a block would be put on the remainder of the loan and we could not use any more funds because of the depreciation of our loan. Our home was appraised for $385,000 and we owe $227,000 plus the cost of the roof and other home improvements that came to $27,000. I had paid that down to just under $20,000.

I got angry with B/A and called the loan center and told them they already knew that they were going to freeze our loan and block us from using the balance of the money. They didn't deny it and I told them if they didn't send my money back, I would turn them in to Consumer Protection. They told me that a virtual appraisal had been done on our property and that it was worth less than what our appraiser put it at. I later found out that their first appraisal was done in January of 09 and the second was done in March.

I asked them why they did not contact me about the first virtual appraisal, let alone the second or I would not have bothered with even going through the hassle of refinancing. I personally sent a letter to the loan office in Richmond, Virginia and asked them why they even bother to show that I still have a $100,000 balance on my equity line of credit but I can't use it. Like, huh? I still have twenty I owe you. They did not answer any of my questions such as what the first appraisal was on our home but would only tell me that the value of our home is at $379,000. I already knew that. They would not answer any questions on previous virtual dates and why they hadn't notified me about these appraisals on our home or when they put a freeze on our credit line. I am not sure what the Freedom of Information Act means, but it sure doesn't apply to me or any other consumer when comes to banks.

This is the kind of integrity your bank wants me to believe in, I'm not convince. Can you follow-up with your colleagues and help me understand why this happened? I need this to be rectified ASAP.

I asked them several times to let me speak with a CEO and never was able to speak with anyone other than managers. On 12-28-09, I called Bank of America again to see if they received my August payment from Taylor Bean and Whitaker and Bank of America stated no and that my account is still behind. I asked Bank of America about my escrow because my insurance and property taxes will be due after the 1st of the year and Bank of America stated that they will pay my insurance and taxes but it will make my house payment go up. I've been stressed with this matter since August and have been harassed since then about this matter at work and at night at home. Can someone contact me with some kind of answer for this nightmare? Thank you.

Sometimes when I call the 1800 number they leave me, I reach someone that is rude, treats me like I deserve no respect, and they just can't see anything in my account except that I need to make a payment. Sometimes I reach a manager and they say, "Your account is totally messed up and we need to research your account and fix everything for you." But whoever that is never calls me back and I still get a call every few days saying I need to pay my mortgage and get letters every few days saying I'm behind.

Now when I call, there is no record of my request for modification. So now I have to start over on that, while my credit is completely screwed up now from their consistent clerical errors. What am I supposed to do? Do I just stop paying to get a modification offered to me? The CEO won't even get back to me. Bank of America is the worst bank in the whole world, worst customer service I've experienced, and they are completely unreliable or helpful, or treat actual paying customers with no respect at all. If there's a lawsuit, I want in on it! My family has suffered enough, they deserve to suffer now. If you work for Bank of America, you should be ashamed to be affiliated with such a fraudulent company.

This is ruining my credit because the longer they take to settle this, the longer I am reported to be deficient on my loan. Ruining my credit! I was recently informed I am still in "phase one" and then when asked how many phases, the reply was I'm not sure. Let me have Jerry **, your negotiator, contact you. Nothing! Can anyone help me? Consequences: panic attacks, long distance phone calls as I had to relocate out of state to take care of my mother, ruined credit.

However, they explained that South Carolina had been identified as a State in which housing values had been impacted. They shared with me that I may be eligible to have my monthly mortgage payment reduced. After spending some time on the phone answering questions and having my credit checked, it was determined that I did indeed qualify. It was explained that all I needed to do was pay a $400 charge and we could proceed, thus reducing my monthly payments by $262. I explained that the reason I called was I presently needed assistance in making my payments and did not have an extra $400. Bank of America shared I could place the $400 on a credit card and within a matter of a few weeks, my mortgage payments would be reduced.

It has now been six weeks and I continue to hear that my loan is still with the Underwriters, and there is nothing they can do about it. I phoned today and was placed on hold for 16 minutes by Connie **. When she finally came back to the phone, she began to speak with me, and then put me on hold again. When she returned and stated there was nothing she could do, I then phoned Donna ** and attempted to explain my concern to her. Donna placed me on hold twice, and then shared that she had a meeting to attend. I attempted to explain to Donna that I was disappointed in the way I have been treated over the past month. I felt that they did not care about their customers, and I just wanted my money back.

Donna became argumentative defending Bank of America and explaining to me that I was wrong. Then, she stated she had to go to a meeting and could not talk to me. I attempted to speak again, and Donna said she had people waiting for her, and asked for my phone number. I gave Donna my work number and shared I would be there all day (Donna also has my cell phone number). This evening at 20:11 pm my store phoned me and stated that Donna had called. Donna knew that I was not working at night; she had my cell phone number, and did not attempt contact. I immediately phoned and could not get an answer (I did get the recording, but chose not to leave a message.).

Mr. **, please help me get a refund or, my credit card account credited for the $400. It seems that Bank of America truly does not believe in customer service as outlined in my header which I found while I Googled Bank of America. They call at their convenience, and when you call back, you are either forwarded to a recording, continually placed on hold, told they will call you back (and they don't), or it is shared that they are backed up and doing the best they can. I truly feel that my circumstances were taken advantage of. I was promised that the process would only take a matter of a few weeks, and yet six weeks later, I have nothing, with the exception of a $400 bill that I could ill afford.

Finally, 2 weeks before my husband came home and right in between Thanksgiving and Christmas, BOA wanted an engineer's report. Really? Now? And they could not guarantee me this would not be the end of it either. Plus, I had to pay out of my pocket for that, including an appraisal I didn't need and a survey I didn't need. No one was rude or ugly, but no one could help me either. I heard time after time how they were at the mercy of the underwriters. It took a week for "this underwriter" to decide if he could take a power of attorney from the military/United States government. Really?

I finally gave up as my husband was coming back for 2 weeks and BOA couldn't wait for me, even though I waited for them. Everyone was very non-committed, as if they didn't care whether or not I refinanced with them. In a time where most companies will scramble for your business, they really didn't care if I was there or not. If I ever decide to refinance, it will not be here!

Now here, three days before Christmas, I received a statement/letter from BAC stating that I am in the negative in my escrow in the amount $1219.75 due to an error from the person working on my account. This is horrible. When I called the bank, I was told that the unfortunate error was made by one of their associates but I would not be able to speak with them. They also offered me a breakdown of $1457.20, in which they are looking for this to take effect in 1/2010. I purchased this home because I can afford it. It has now become unaffordable to my annual income. I could possibly lose my first home that I share with my two children due to the negligence of an associate who obviously does not take their work seriously.

The purchasing/closing process was a nightmare. It took too long and too much effort on our part. I was constantly having to call our processor to keep the closing process moving. I even kept in contact with our insurance and title companies and handled the sending of paperwork to make sure things kept moving. When I did not maintain communication or double check to make sure they were continuing to process our loan, things "fell through the crack." In the end, we finally closed. But one tiny overlook on my part, and things went wrong.

Though we were approved for a 30-year loan, they closed on a 40-year loan. Our interest rate was 2.5% higher. Ouch. I noticed this on our first mortgage payment. Try doing something about that after the loan has already been closed. It's impossible or so we were told. (Like idiots, we believed what we were told.) Come to find out later on that my brother (having gone through a different bank, also with $0 closing) was able to have his new mortgage "re-written" at a lower interest rate (because interest rates had lowered within 30 days after the loan had closed). I suppose I should have used his bank.

Then, the economy happened. The housing market plummeted, and the value of our home dropped by $50,000. To top it all off, both our jobs had pay cuts and cutbacks. My husband lost 1 day of work per week, my pay was cut, and my hours were nearly doubled. I'm a salaried employee, so no overtime pay. This also forced me to withdraw from school, so then tuition of over $300/month was due. It all adds up to a loss of over $1500/month. Ouch again. Bye-bye, savings. To make matters worse, I had to have an emergency surgery (Yes, life or death surgery). Our out-of-pocket expense ended up being over $2,500. That was the maximum out-of-pocket expense for the year. Yey, for insurance.

I called Bank of America several times during this period, explaining the situation. I was trying to see if there was anything we could do. We did have BoA's Borrower's Protection Plan, which is supposed to grant you two mortgage payments in the event of an illness or injury resulting in two days of hospital stay. I was in the hospital for approximately 40 hours - not quite two days - so we did not qualify. (Perhaps, I should have bothered the hospital for another 8 hours and contributed to health insurance rate increases, huh?) But I had to get back to work too. We could not miss any part of my paycheck with the decreased income we were already suffering from.

Bank of America said there was nothing we could do. We could not defer a payment and we could not refinance because we did not qualify, according to them. Then, our Chase bank account got hi-jacked, along with a credit card that we had with the same bank. Please keep in mind that we had never used the credit card. We simply applied for the 0% interest card in case of another emergency, since our funds were so low at this time. We ended up leaving Chase over this matter and switched to a credit union.

We had our mortgage payment on an automatic withdrawal of 2 payments per month. When we closed the account, I notified Bank of America about this and asked to change the account number for our automatic withdrawal. I was told I could not do it over the phone (Ok.) and that I had to fill out paperwork. "Fine, send me the paperwork." I had to call and ask for the paperwork three more times before it finally came. I filled out the paperwork and sent it in ASAP. I called, and they said that they had received it and it was in the process. Ok. A month went by, and I was getting the same line. Finally, I've had it and started getting nasty. Then, I was told that I cannot make two payments per month, so my request was not and would not be processed.

Wait a minute. We've paid our mortgage that same way for two years. Why, all of a sudden, can we not make two payments per month on automatic withdrawal? I asked to speak to someone else. This person told me they would look into it and get back to me. No, I never heard back. I started calling every week, and I got a different answer every time. "Yes, you can; just call us at the first of the month to set it up over the phone." (Thought I couldn't do it over the phone?) "No, you can't make payments that way." "No, you are not one month ahead on your payments, so you can't do that." (How is that possible when we never missed a payment?) "Yes, you can; just call us back at the 1st of the month." Etc.

For six months, I went back and forth with Bank of America. They continuously misapplied our payments, tried charging us late fees, and their "collections department" calls us every other week. (By the way, when they call and you answer, the line will automatically disconnect and you have to call them back or they say that they tried to call and left a message but you never returned the call. It's very irritating.)

I've had to explain the same thing to them over and over. They've "fixed the problem." I can't even count how many times now. But of course it is not really fixed, because I keep getting called by their collections department about the same thing. Again, I got fed up and started getting nasty, refusing to speak to anyone other than a "supervisor." Eventually, I got a guy who figured out why our account was not showing up as "one month ahead" on our payments. BoA had applied our July payment to the principal balance instead of the mortgage payment. Though I had been talking to these people about once a week and was continuously having to instruct them on how to apply our mortgage payment to our mortgage loan, they still managed not to get it right! Grrrrrr.

Supposedly, that guy "fixed" it and it would take only three business days for the changes to reflect on our account. (That was a week ago.) Also, during this time, having done some more research on refinance options and Obama's Making Home Affordable plan (and speaking with several people who were in much worse financial conditions than my husband and I), I called Bank of America and told them that they should be able to do something for us. Why couldn't a working married couple, who has never missed or been late on a payment and with good credit scores, get some kind of help from their bank?

After a year of being told "no," I finally got a "yes." It took me being one of those angry and frustrated mouthy people to get the answer I was looking for. So, back in the beginning of November, we applied for our refinancing with Obama's Making Home Affordable Plan. We got an automatic approval. Wow, that was easy, right? Wrong. It is now 12/22/09. The title company approved the refinance on their end back in the beginning of this month, and though I continue to ask for updates from BoA, continue to make my payments in full and on time, Bank of America is completely failing in holding up to their end of the deal - to act as a knowledgeable and reliable financial institution.

My payments are still being misapplied. I just got yet another call from their collections people a few hours ago. I asked for a supervisor and was transferred to a floor supervisor (which is the same authority level that I spoke with last week and the guy who supposedly fixed everything). I asked for the manager, the person in charge of the floor supervisors, and was transferred to yet another floor supervisor and then again to a third. By this time, I'm beyond an irate customer and closer to venomous.

Finally, the third floor supervisor told me (These were the actual words.) "My manager will not take phone calls." Oh well, I guess there is nothing to do about that then, huh? "Is there another number I can call to file a complaint?" And of course the answer was "No." All I could think of saying at that point was "Fine. Bank of America just lost a customer, and if you people call me again, I'll file a harassment case since, apparently, there is nothing else I can do." And I hung up (probably a bluff and a complete waste of breath since they don't care. But like I said, I was venomous).

After that, I tried calling my loan processor to tell her to hold off on finalizing our refinance (like that would be a problem for unprogressive BoA, right?) and I had to leave a message. Then, I called the main line to see if I can get a status update, since they never call me with one. I was told that it was approved by the underwriter but it might be held up because of my "late payment and incomplete payment status on my original loan." What?!

I explained the situation to her, and she said their system probably hadn't updated yet (one week later?! ) and I could talk to my processor about it. (After this mess, to me, that meant "You can talk to your processor about it if she decides to return your phone call, but there is nothing we can do about it.") I called a physical branch to see if there was a person I could speak with about this face-to-face, pointlessly hoping that perhaps physically speaking with someone might help to really get things cleared up. But of course, "No." They would not be able to help me, because they were not the ones who initiated the loan process. But I could cancel it and start working through them instead. Right, I really want to do that. Uh huh, sure. My turn to say "No."

We've done everything we can do to avoid getting into that paycheck by paycheck situation or living off credit cards. We tried doing something about the situation before it got out of hand, and Bank of America has only made that attempt 10x harder than it should be. In fact, I am confident enough to say that they have lied to us about our options on several different ocassions. Granted, we probably should have checked with other financial institutions, but we should have been given accurate information from Bank of America as well.

It seems that, to Bank of America, we are all just another voice on the other end of the phone. The managers don't care and won't talk to a customer. They're not paid to care. Bank of America does not care; they are not paid to care. They get their interest payments, and that's all that matters. Happy customers do not matter. They are too big of a corporation to care.

As a responsible BoA customer, I must say that I am extremely angry. My husband and I, as stated before, have never missed or been late on a payment; yet we are constantly harassed by their collections department. Why? Thanks to their loan processing procrastination. We are having to continue to make higher payments at a higher interest rate. Um, thank you for wasting my money? And why did we have to pay BoA $400 upfront to get this process started if they were just going to sit on the paperwork for months? Thanks to BoA's inability to properly handle existing mortgages and mortgage payments. I have a constant headache and am having to be near to verbally abusive with their employees to get any sort of answer or resolution out of them. I don't like being a nasty person. Why should I have to be mean in order to try and get things done the right way?

And now, for the first time in my life, I am looking for a way to file a formal complaint. Hopefully, I would be added to millions of others, so it will come back and bite them in the butt or whip them in shape! I can't say that I would want BoA to go out of business, because that would just put way too many people out of work and would not help the economy at all; but it would be nice if someone could smack some sense into them. This is ridiculous. Hopefully, I can get the upfront costs for the refinance back and cancel it so I can go to a different bank. I don't see why I should lose out on more of my money because of their inability to be accurate and efficient.

For anyone else considering to go with Bank of America for a home loan, please don't do it; and if you do, I really, really hope you do not have the same issues that we've experienced. And on one last note, do not ever trust or believe what a lender tells you. Never believe that there are no options or that their mistake cannot be fixed. We made that mistake, and now, it is haunting us. And we are paying heavily for it. Make them fix it right then and there, or get an attorney and report them to a government agency. No if's, and's, or but's about it. Don't let them walk all over you anymore. Fire them and go somewhere else if you have to. If one lender can do something, then chances are that another can too. Don't pay for their mistakes.

I was upset, to say the least, and informed the person that until I received correspondence from them on the new loan info, I was not mailing them a check. I told her that I felt it was inappropriate for them to be calling me on the day the payment was due when they couldn't get me information in a timely manner. It was another week or more before I got the information from them about my new loan number.

In October, I filled out an online form through the BoA website, requesting my loan be reviewed for loan modification or re-finance in accordance with the "Make Home Affordable Program." After completing the form, a message popped up that I would receive a response in writing within 30 days. When I had not received this response at the end of November, I submitted an inquiry through the online customer service section of the website and requested a response with detailed information on what was happening with my request. All I got was a note in response telling me I should call the main customer service number to discuss my inquiry.

Prior to getting the online response however (which took nearly a week), I got a FedEx package with documents from BoA. There were several forms and a letter from the senior VP of the Home Retention Department requesting I fill out the forms and return them within what amounts to 5 business days for review. I did this and included all the additional financial information they requested. They received the package on December 3, 2009.

I called the following Wednesday, December 9, 2009, to verify that they had record of receiving the package. After an hour and being transferred several times, I was told that they did not know what program I was talking about. And although they could see in their system that I had been sent documents, they had no idea what they were and said there's no record of having received them and that I should call back the following week. I was frustrated by this but said ok.

Two days later on Friday, December 11, 2009, I received a phone call from an unknown number. When I answered, a monotone voice immediately started spouting an obviously scripted speech about documents that had been sent to me and wanted to know if I had returned said documents. I told that I had returned the documents, and in fact, I was holding a FedEx confirmation that they had been received on December 3, 2009 by BoA. Her only response was to tell she would notate the account.

I waited until today, December 22, 2009, to call again, as I have not received any further correspondence. After holding for 15 minutes, I spoke with a lady who informed me that they had received the documents but that the system had not been updated as of yet and I should call back on Monday, December 28, 2009. It has been nearly three weeks since they received the documents, and I am still waiting! I find this totally unacceptable, especially since I was given 5 days to return the documents to them!

I have had nothing but frustrating and rude interactions with Bank of America in the four months they have owned my mortgage. They are obviously far too large and have too many loans to take care of, or they are way understaffed to complete the timely customer service we should be able to expect for the amount of money they are expecting us to send them every month.

I feel as if they are deliberately trying to stretch out the review process on my loan in order to not have to make modifications. I am desperate to get this taken care of and worried that I will not be able to continue making payments at the current amount. The catch is, one of the documents I filled out and sent back to them states that if I do not continue making the payments as stipulated, they can proceed with foreclosure, even though I have requested a modification review.

Then on December 19, I got two separate envelopes with one payment of $224.57 in one envelope, and another envelope with 3 of the payments totaling $884.57 and a note saying "you need to bring your payments current". This seemed deliberate to force me into signing some sort of "loan modification" which I don't need. My payments were late due to illness and death in household. Bank of America has not called, their automated system keeps saying that my account number has been changed and “You will receive your new account number by letter." I have not received any new account. I want credit for my payments sent to Bank of America. This bank has too much technology and astute business practices to "willy nilly scatter my payments, and separate them".

I demand to be treated better. No communication has been forth coming that my account number was changed. No speaking person from the Bank of America notified me of any account number change, and only online via email was I told about a new account number. The email and the automated person kept saying "your account number has been changed, you will receive the new account number by letter", that has never come. I am upset. I cannot get past the automated system. They disconnect soon as they tell me about the new account number.

Ending, my pleas, via email that I do not know who I am dealing with, unless I get that letter on stationary from Bank of America, I am going to continue to use my same account number and address for my mortgage payments, which I am writing to you because they have now taken my money and kept two payments and sent by 4, in two separate envelopes? What is that? I cannot rest with such treatment?

Please advise. Today, I sent the 4 payments back to Atlanta, to Bank of America, with copies of all my receipts totaling $1,415.34. I am stressed out, cannot sleep, need to know why account is removed or locked off of internet, and cannot view payments. This is upsetting, discriminating and intolerable for a company like Bank of America. I feel abused.

I called the number they left for three days, and no one answered. I walked into Adams and State Street in Chicago BofA office, and they could not help me. They gave me a customer number, and I got no answer. I sent the payment in, so it would be there before the past due. On December 15, I went to my bank and wired the money to pay off the loan at BofA. On December 17, BofA automated phone caller called me at work. It gave me the option to speak to a banker. I pushed the correct button and waited 20 minutes, but no one came on the phone. I hung up.

I think Bank of America is purposely setting people up to be late on their loans. It's bad when there is simply no one answering the phones and no walk-in bank to go to. They have no offices in Indiana, and I drove to Chicago to their bank with no help from them. I'm not alone; my friends who have old Countrywide loans are in the same boat. What's up with Bank of America?

In August, I called BofA back again. I was told I had been approved and would be getting a modification package by the end of the month. But this never happened. In September, I started getting a Bank of America mortgage statement asking for the full mortgage payment, which I could not pay; and not one of the four trial period payments I had made from June through September were showing up on the statement.

In September, I started calling BofA again, only to hear them say that they had no idea who told me my loan had been approved. I was even able to give them the name of the person who had told me this, but it was to no avail. I finally sent an email to Barbara, who in turn had a woman by the name of Sherilyn call me. She told me that she was going to assign me to a negotiator and I should have some answers within a few weeks. Within a week, a BofA negotiator contacted me and asked me to send her another hardship affidavit, a current financial statement, and additional pay stubs that were recent.

Then in October 2009, this negotiator sent me an email, saying that I was going to be getting a package within 4-6 weeks. Again, I received nothing in the mail. On December 11, I finally demanded that someone connect me with someone who could get to the bottom of this. I was connected to Danielle from Bank of America's branch in Simi Valley. This woman actually verified that I had indeed been approved back in August and even told me what the payments were going to be and the interest rate and that all delinquent payments would be tacked on to the life of the loan. She said I had sent all information in as requested, and she had no idea why this was not processed. But she promised she would get to the bottom of this and call me the next day.

Although the next day was a Saturday, I waited until the next week and I sent her a lengthy email and CCed my negotiator, asking why she did not get a hold of me as she had promised. I reiterated what was said between us in our 45-minute conversation that Friday. I did get a reply back that same day from Danielle, and all she said was that she wasn't able to do anything.

Two days later, on December 17, I got a phone call from my negotiator telling me that if I want to continue to call different people within Bank of America's Loan Modification Program, I was going to continue to get different answers and that even though I had received an Intent to Accelerate on my home, that was not the case. She said she didn't need me to make a payment for October and November but that if I didn't make a trial period payment for December, I was definitely not going to be able to get a modification approved.

Again, I told her that I had not received any letter from BofA to continue any trial payment and that all I was getting since September was a statement for the full amount. But I said I would only make this payment only to her, because I just knew if I called BofA to make a trial period payment, it would not be accepted, as I had been asked to pay the full mortgage amount on the statements. She allowed me to gave her my bank information and even called me back to say my check was accepted. I told her that it was obvious that she had absolutely no say in whether or not I was going to get my loan modification approved, but I would really appreciate it if she would just tell me who was going to be making this final discussion. She said the government.

So, here I sit almost eight months later after turning in all documentation and having now made five (5) trial period payments and I have absolutely no idea what is going on. A simple yes or no would suffice.

I have to go again to the bank and talk to Aysha. She called home loan again. It's another 40 minutes on the phone. Then they apologized; somebody made a mistake and put the recast money as payment. My God help me. Please, that's not nice at all. Shame on their service; shame on them. They get paid to do a good service for customers. They have no experience at all? Shame on them. They made a big problem for me. Please, no sorry. This is not a first time. When I have my home loan from Countrywide, the person named Frank told me when I want to pay recast, he would do it with no fee and calculators with no extra charges. And I still paid a fee and recast and have bad service from Bank of America. Thank you for your time, and happy holiday.

Since then, I have mailed and faxed documents several times only to have them say they don't have the documents, or that they received them, but they are now too old. Even though, at the time they were current, but they waited 2 or 3 three months to tell me this. They can't even read my pay stubs. Is any of this my fault? Has anyone accepted responsibility or even apologized? No! So, again, I am waiting, waiting for what I don't know. Maybe I will get another letter saying again something is missing, maybe they will deny me the modification. Why was I told everything was fine and it would be approved when it still hasn't and now it has been submitted for some department for a decision?

I thought there were laws now to protect the consumer from being lied to by banks, mortgage companies or others involved in the loan industry. This experience is much worse than any other experience I had when buying or selling a house. I am tired of the lies, false promises and bad communication. And to top it all off, I have ruined my credit. I used to have over 800 credit and now I am well below 700, and dropping. I was told not to worry about my credit because once it was modified it would be all straightened out. Was that a lie too? I have spent nearly every day I am not at work, working on this modification and all the paperwork and problems associated with it. I now have bad credit, no modification and most of the time a big headache.

Consequences: none at the moment. But with all the issues Bank of America is having, why do they still choose to alienate people and sink the economy even further by refusing to help those that need help and why choose to exacerbate financial problems instead of preventing them?

My mother began searching for a property to purchase in early July. She went through a pre-approval process with another lender and signed a sales contract for a home she liked. Unfortunately, the relationship with the first lender was strained and she decided to search for a more stable competitor. I was first introduced to ** at the Frederick, MD office in late July. ** was professional and attentive in the pre-screening for an appropriate loan for my mother. I was very pleased with his candor and professionalism. As ** and I finalized what type of product would be best fitted for my mother’s wants and needs, he referred me onto a colleague, **, which specializes in the arena of 203K and home improvement products.

As like **, I was initially impressed with ** as he helped me understand the complexities of home improvement loans and congruent products that my mother could utilize. I contacted ** on 7/31 to get detailed information on closing costs and heard nothing from him. As days went by, I did not hear from ** and tried to contact him through phone and email and became concerned. Overall, ** was reachable but in the most extreme cases he wasn’t reachable and seldom had answers to questions posed.

Two weeks (8/13) later, he finally responded informing me that Branch Manager, **, would contact me within 30 days to answer all of my questions. ** manages to call me within several days and coaxes me into getting a HUD consultant opposed to using the inspector that my mother had already used to inspect the property. When I told her that I had already informed ** that an inspector already viewed the property and gave a report and he never told me that a HUD consultant was needed, she said I don’t know why he didn’t and left it at that. I was led to believe that if we didn’t use the HUD consultant that the reserve fee would be higher than if we did, which my mother was okay with doing.

In another conversation, she posed the suggestion as a definite factor in which we would not be able to utilize the home improvement loan if we didn’t use one. She referred a HUD consultant who to say the least was unprofessional. In short, he gave the same report the inspector gave (because I gave him a copy), inspected an almost 4,000 sq. ft. home in 30 minutes and was never reachable when I tried to obtain my report from him. When I finally contacted him, his demeanor was arrogant and he was very rude. His work looked like a feasibility study and I asked him to do the work based on the scope of work not by allowance, he refused. I asked ** was this acceptable and she never responded.

My mother was approved for a $25,000 home improvement loan but only received $24,000 because of the contractor’s allowance which has shorted her on some of her wants when improving the home. **’s response was intermittent. When she did respond, her answers were either vague, quick in response or off subject of what was asked of her. She constantly ignored calls, emails from me, my mother and realtor when trying to pinpoint an estimated settlement date.

I was then introduced to ** of the Fairfax, VA office who to say the least customer service skills were sub par. She constantly asked for documents that I was already sent to her office. At one time in particular, I had to maneuver her through and email with an attachment that I sent to her to find a document that she kept informing me that I did not send to her. Another time, the termite technician had to contact her to give her information that I already gave to her and he called me after their conversation to reveal that her attitude was foul with him.

I will reiterate that my mother settled on her property 11/16, it is now December 15, 2009 and renovations have not begun. I called the escrow offices in Texas to within the last two weeks and never received a call back until December 14th. I was informed on three different occasions by two different people that the paperwork was sent by FedEx to the purchased property on 11/23 by one representative and 11/27 by another. I informed them I had been by the unoccupied house and no mail was there. When I asked for the tracking number, I was told they didn’t have one and finally that it wasn’t sent by FedEx but by USPS and returned to their office that same day. My mother was able to receive the bill for her first mortgage payment at the unoccupied property but not the renovation paperwork.

Though my mother purchased this property, I was her voice and performed the leg work on her behalf. I was enthralled with the transaction from start to finish and will be thereafter. My mother and realtor have endured this unnecessary battle with the lending institution that we are giving business to but receive less than satisfactory customer service from in return. Because of the intermittent responses, my mother was forced to reschedule the settlement three times and pay a per diem charge. She also ended up paying $700 for a consultant that wasn't needed. Lastly, the renovations process has been delayed because the paperwork was claimed to be sent to an unoccupied property.

I've had the same runaround like everyone else's with transferred calls, the home retention department, HOPE for homeowner's plan, the trial period plan, more docs to be signed, FedEx packages, and the same docs requested again and again - all to find out no one knows what they're doing at BAC. I've been dealing with this for a year now, waiting daily for some miracle that I'll get a loan modification and be done with this mess.

I, too, have called the Today show, wrote my governor, called a lawyer, written BAC, e-mailed them, and talked to anyone who would listen in hopes someone had some advice for me. A rep at BAC even said she's fed up with the way the company is doing things and that she even thought everyone around her was walking around with their hands in their pockets. I quote from her: It sounds like we don't even know what were doing around here. Huh?

I feel like I've been taken, had, used, and abused. My perfect credit is now destroyed, all because I was told to be 60 days behind on my mortgage payments in order to get a loan modification. My credit card companies have closed one account, since I rarely used the card; and another company reduced my available amount by $4300, leaving me with $300. Another card went from 9.99% to 18.99% overnight, doubling my monthly payment. And it's all because of the trickle down effect caused by CW/BAC and their poor advice.

What an unorganized, sneaky, conniving, money-hungry company that's searching to destroy anyone in their paths at the people's cost, and that just needed a little help from the beginning. We like to call them Bank of dis-America in our house. If they would have lowered our monthly payments and given us a loan modification, none of us would be in this terrible situation today. Why would CW/BAC want to ruin all of our credit and put our homes in foreclosure? The banks have too much power, and we need to get together to file a civil complaint. I'm tired of talking about it and waiting on them to decide whether or not I get to keep my home. I won't give up; I want justice. I will keep my home, and I will get them to repair my credit they've so badly destroyed. I hope all who reads this feels the same. It's wrong what they've done, and they need to make it right!

Then, after we made our August payment, we received a letter informing us we were a month behind. I called their customer service and was finally informed the Taylor, Bean, and Whitaker had gone bankrupt. The gentleman I spoke with assured me not to worry. The paperwork was still going through and I was not a payment behind. I took this person for his word and never gave it another thought. What happens next? I received another letter in the mail informing me that I am a month behind payable immediately.

Once again, I called. Now they want proof of the check paid to Taylor, Bean, and Whitaker, they want my bank statement for the month of August, and they informed me that my house payment is going from $602.11 to $640.35 because the escrow account went up. This information was not sent in the mail. I found this out when I called and tried to rectify the issue of the so-called missing August payment. I asked the person on the phone to give me their ext. number and they did. But when I called back, I was told this person could not be found.

Someone please tell me how a company can do this sort of thing to a disabled American citizen on a fixed income? I struggle just to make my payments month to month, sometimes falling behind on other bills just to make sure I get my house payment made. Now, I am so frustrated I believe I should contact an attorney and try to settle this matter in a court of law. Corporations should not be allowed to ruin honest American lives.

The women I spoke to stated that is very common that modification will only be for one month. I tried to explain that if that was true, they were irresponsible because not only did they not help us (as our May payment was actually more money after their one month modification), but they took money from us for absolutely nothing. They did not provide us with anything. They also wasted a lot of our time (by us having to apply for and complete all of the necessary paperwork, then get it notarized which also cost money). Plus now, because it took so long for them to give us a final answer, now our credit has been ruined and they are saying that we are over $7,000.00 behind in payments (we have made our monthly payment on time every month, but for the modified amount, which was what we were instructed to do and the $6,000.00 is for the increase in the loan plus monthly late fees).

Finally, even though she acknowledged that in the computer it did show all of my phone calls to Bank of America as well as their response that they were forwarding our loan documents to the Research Department, they never actually forwarded it to Research until one of my last calls on November 12, 2009. At this point, I was told that there was nothing more that Bank of America would do, as that is the final decision and that if I wanted to reapply for modification, I could do so now.

I got a package to fill out which said that I pre-qualified for the program and to send them back the Mortgagor Financial Information sheet, Negotiation Agreement, Authorization and Acknowledgement form, information supporting my financial difficulties, copy of my most recent utility bill, 2 months checking and or savings statement, copies of 2 months income, 2 years of tax returns and a payment of $650.68 plus late fees of $77.01 by 3/11/09. I did this and after I did not hear from them a week after the receipt of these items, I called and they said they received everything they asked and that I would have to wait while it is being processed. I still did not hear from them for a month. I called and they again told me to wait - there is nothing I could do at this point.

By June, when I had not heard, I called again and that was when I was informed by one of the customer care associates that I now needed to send them 3 months' payments by the beginning of July or my house would be put in foreclosure. I informed her I did not have 3 months of payment and that I only had one month - I was willing to send that but she said they would not accept that. If I did not send it, they would stop the process of the program and I would be put in foreclosure.

I said, "I did everything you all asked me to do to qualify for this program. I don't have that kind of money as I was not working for a while." She said, "Either you send us the money or your house will go into foreclosure." I still cannot get a straight answer from anyone there. I called back but no one seems to know anything. I am only told my account is active but it is in foreclosure. I tried to get them to explain how can my account be active and still be in foreclosure and they never give me an answer. When I say I need to know my account number so that I can make a payment, they send me to a recording or hung up and act like the line failed.

My accountant called her hoping she could explain this to her. She was very rude to this person and after that, she was very rude to me every time I talked to her. I went back to dealing with Mr. **. In 8/2009, I called 2 times about the loan. I was told it was in the processors and they were behind in their loans. In 9/09, I called several times as I was told it was still in the processors. In 10/09, I called about the loan, same story. The rate contract ran out the end of October.

In November, I called again and was told there was a problem. I sent an email explaining the problem and offered to send the settled contact with the company they were asking about. I did not hear anything from them, so I emailed Mr. ** to let me know if the loan was denied or what. To this day, 12/13/09, I have not received anything from them. If this is the way they treat their own customers, so how will they treat a new person trying to get a loan? For 5 months, I kept waiting for the loan to be approved. If they had told me that the loan would not be approved, I could have talked with other banks. Also, I was taking some money out to have some work done on my home. I went ahead and had it done so I had to max out my credit cards to pay for the work which did not help my credit score.

So, I still do not know why my payments jumped $140 since Bank of America took over as they said they cannot explain it. I am a single mother with only my income to pay bills and I cannot afford this type of jump in payments.

To date, I am told that my payment has not been received by BAC. I was told that I had to make my payments by mail, and was assured that there will be no late fees. However, I was charged with late fees. I have done everything BAC has requested, and it seems like they do not care about customer service. I do not want this to reflect my credit. Please assure me that my credit is not going to be damaged due to the issues that BAC has at the moment.

I made my first new loan modification in November. I'm still receiving the old monthly payments and they are intentionally mailing my mortgage statements on the 8th of each month so they can cash in the late fees. I mailed a payment a month early to see if they were charging me late fees. You know, what? Like all greedy banks, they charged me for being late on the 1st. So Bank of America, you can kiss your mortgage goodbye. I'm walking away from the house and I'm not paying my property taxes.

The wait to speak with someone is always 15 minutes or more. One BAC "supervisor" told me I should send whatever I could, so I sent $500 instead of the $885 I normally pay. Then, they "held" the payment and wouldn't release it to the account until I sent the remainder. I then sent another payment, and called several times again. The following calls resulted in lengthy questionnaires where I was told I was "not eligible" for help, then I was told I would be eligible for help if I simply "stopped payments".

This seemed ludicrous. I then asked if I could add the 2-3 payments to the end of the mortgage since this had never happened to me and my credit was good. They declined, so in the meantime, my "repaired" car died, had to buy another, and am in the process of refinancing with CrossCountry Mortgage, who I hope uses Wells Fargo, (very professional) as a lender. I want to get away from BAC and definitely want to know what in the world they do with bailout money if not helping people who truly want to pay, just having a rough time.

We started the refinance process with Bank of America Home Loans with cash out option origination date 7/30/2009 and agreement date 7/31/2009. Refinance to lower locked in 4.875 rate. We paid $400 processing fee upfront + 1.375 points to get lower rate. We had a multitude of companies to choose from in July. We chose BOA because we have been doing business with them for years. Our current mortgage is with them and I thought Bank of America was a solid, reputable company. We actually got the contact information for refinancing from the back of our mortgage statement. We were advised approximately 45 days was the normal time frame to close, probably would be closer to 30 days. I had confirmation that all necessary documentation had been received and had the house appraisal completed in a timely manner in order to expedite the process. I was advised with our excellent credit ratings and having all necessary paperwork, etc. submitted in such a timely manner, it should expedite our loan process.

The lock-in agreement was for 60 days, with an expiration date of 9/28/2009. However, I have many emails stating they will honor the locked in rate. After waiting approximately 45 days, we started making contact with Frank ** (loan manager) and Robbie ** (the loan processor). At approximately 45 days, we were advised via email that it would be at least another 8-10 weeks from that point. Due to them being backed up. Long story short, it is now over 4 months. I have continued email and telephone communication and keep getting apology after apology from the loan officer and processing manager. I recently asked and received the loan officers VP's number, the loan processors and the team managers' contact numbers.

On August 25, 2009, I sent another cashier check for September's payment, this time, sending it with a delivery confirmation. On September 24, 2009, I sent (cashier check) for October's payment, again, with delivery confirmation. The first three payments were made and sent per the modification agreement and all payments were received before their due date.

On November 11, 2009, I sent two personal checks for the first and second mortgage. The checks were received on November 13, 2009. The second mortgage check cleared our bank on November 16, 2009 (late fees apply after the 16th of each month), but the first mortgage did not clear the bank. I started calling, asking them why. Without any notification, our escrow had gone up and in November 2009, the mortgage payment was $45.58 short. I argued for over two weeks about the escrow going up when I sent them the escrow shortage. First, they couldn't locate the money I sent in and now, they have record of it but don't know if it went into the escrow account.

On November 27, 2009, the first mortgage cleared the bank. Bank of America held on to that check for over 10 days and then applied a late fee because the payment was short. For the last week, Bank of America has called. First, they wanted November's payment of $1,176.86 and then a late fees of $185.75. The following day, they called again, this time, telling me I am two payments behind and the late fees were $138.00. On December 3, 2009, another call - two payments behind and late fees of $100.68. When I asked about the two payments, they said they don't have September's payment so the November's payment went towards October.

I argued with them over and over, spending many hours on the phone telling them that I have proof that all payments were made and they were on time. On 12/3/09, I gave them $146.26 for the shortage of November's payment and two late fees just so the computer would show owing nothing but December's payment. It was just to shut them up and for them to stop calling me. This morning, I received a call asking for November's payment and late fees again. Again, another argument! Now, I am being bounced around to different departments because the Retention Department says Customer Service has to credit the late fees and Customer Service says they can't do anything because the Retention Department has control because the Modification Department has not closed the file.

The Modification Department kept the same interest from when we had the loan through Country Wide. Our monthly payment for the second mortgage went up $114.00 a month and the first mortgage went up over $120.00 a month. Now, we are in the same boat we were a year ago, struggling to make our payments. I believe that when they did the modification, they included my husband's overtime, which is not guaranteed, and used the income my granddaughter gets per month from the state. That money is not guaranteed and can stop anytime.

This has been a total nightmare since Bank of America has taken over. I can provide proof they are in the wrong and Bank of America won't listen and is messing with us. I told my husband they can have the house. I can't deal with their attitude. They're incompetents.

It is 12/4/09, no call back from Stephanie. I waited for 25 minutes for a customer service rep to pick up the line today, only to disconnect me in the transfer to the payoff department. When I called back again a couple hours later, I waited 10 minutes for a rep and again, was cut off when transferred to payoff dept. I will continue to attempt to get someone at the right level of care to care enough to take care of the issue. $3,200 is a drop in the bucket for Bank of America, but it matters everything to me in the closing of my home after 19 years of ownership. An individual's negative press goes a long way in our United States of America!

We received our first pile of paperwork, and we noticed a charge of $435 for appraisal. So now we knew James had not been truthful. But if we pulled out, we would lose our money anyway; so we went ahead. Later, we were approved. It began in September 2009. Then in October, the appraiser came out to our home. Days went by, and nothing. I called and emailed over and over. Finally, James emailed me that all was well and that our appraisal had come in low but not to worry because they found another way to get our loan through. He said we would close in the end of October.

Well, October came and went, and nothing. Finally getting desperate, I was calling, emailing, etc. Someone called us and let us know that they were now unable to do the loan because we had a FNMA-covered loan on our home and not an FHA. I told the woman "You knew that from day one and with the first stack of paperwork we sent you." We also sent a copy of our current loan (It was requested.), and it showed we have a Fannie Mae/Freddie Mac loan on it. I requested our money back, and she blew me off saying I would have to speak to James. I emailed him, and as it went throughout our attempt at a refinance, he as usual did not reply.

Okay, I have no issue with that. It’s what I agreed to. Here is the issue. On the modification docs it clearly states that fees are 0 and $2,680.11 was to go to escrow. $5,192.16 would go to interest. Well, on December 1, 2009, I called to make a payment. I was told that I still owed $1,673.25 for November’s payment which I made on November 1st, 2009 of $2,119.70. I asked why I owed the extra money. The rep told me that my escrow account was short and the November 1st payment went to escrow and late fees and that $330 was left in account and I need to pay $1,673 to bring account current, plus pay December’s payment of $2,133.00.

So yes, I paid the extra cash which brought my November payment to over $3,700. So here began the 4 day marathon. I asked why my escrow account was short and got no explanation. I pulled my transaction report and there it was, or may I say, it wasn't. Bank of America never credited my escrow account the $2,680.11 they added to my mortgage that was clearly outlined as being for the escrow account. So, I spent 4 days on the phone at least 4 hours a day speaking with 5 different customer support people. Not one of them could figure out what was going on. I got passed back and forth from one rep to another having to explain the issue in full to each one. And I can tell you these reps are not any smarter than my 2 year old.

They kept saying "yes the money was added to your loan, so what’s the issue?" Finally, a supervisor got on the line. After about an hour, and multiple holds, she had an explanation. "That money was paid to the investor who backed the modification." I asked what investor, she could not explain, but did say, "Who do you think paid to add the money to your load?" I asked her to read the modification docs and she did. Here is what it says. "The amount added to your loan is; interest of $5,192.16, fees of $0.00 and escrow of $2,680.11, for a total of $7,872.27." That comes right from the modification docs that she was looking at. Now, I was getting pissed. She continued to stand by her story. Now I know it is illegal to take fees out of an escrow account and it’s illegal to state no fees and then take fees after the fact.

She then told me we could stay on the phone all night but she would not change her story. So as of now, I am out $2,680.11. I have contacted a family member who is an attorney in another state and she is going to contact Bank of America’s Legal Department and start a complaint. I may have to sue BofA in Florida and may need to hire an attorney.

Overall, Bank of America should be embarrassed. The reps I spoke with had no idea how to do their job and really, seemed to be very poorly trained. I thought I was speaking with criminals. I tried to record the calls, but when I told them I was going to record the call, they said they could not speak to me if the call was recorded. Hmm, something fishy going on here as they can record me but I cannot record them. What are they hiding? Maybe our government should worry more about the banks and their criminal activity and less about cash for clunkers and health care we don’t need.

I am ready to walk away from the home as it is $100,000 under water, let BofA take the loss. What is the lesson here? Don’t do business with Bank of America. They will do their best to cheat and steal from you. Good Luck. I will post again when there is a final outcome. Bank of America added $2,680.11 to my mortgage so it must be paid back plus interest.

After careful review, we decided not to participate in that it would affect our credit negatively. We never signed the offer or mailed them anything. Our financial situation changed shortly thereafter, and we became current in our mortgage payments and have paid on time every month since. This month we received notice from Bank of America that we were in default of our mortgage and owed three months in mortgage payments and late fees. Apparently, they have been "holding" our mortgage payments, because they said we were "under evaluation" concerning this program, which we a) did not solicit in the first place and b) never agreed to. We called BAC Home Loans Servicing, and they said they have no record of us accepting the offer and never sent instructions to Bank of America to hold anything.

This woman took my financials (improperly) and then claimed a loan modification I received in the mail, which I was not interested in, was not from BOA and that her figures were wrong and she would process a loan modification request. I never heard from her again despite my phone calls and emails. I continued to make double payments in September, October, November and the current payment for December to protect myself from BOA's staff. I continued emailing with no responses to all contacts and calling the CEO resolution department. No one ever does what they say and I never get any follow-up. One such man said he would apply the payments as made. The payments are shown as miscellaneous postings and have not been applied. I disregarded the loan modification I received in the mail and never agreed to it in anyway. I made up all my original loan payments.

This man transferred me to cancel anything regarding a loan modification request, which I did so he could apply the payments which were posted as misc postings and never applied to my mortgage. I never heard from him again despite my follow-up. I have all names, dates and contact information and transaction postings. Recently, I disputed the BOA credit reporting and BOA updated my credit reports in an even more derogatory manner claiming my account was in collection, that I was six months delinquent and that there was a partial payment agreement. The severity of this problem is difficult to comprehend and the damages significant.

In August 2009, after much back and forth, we had a refund issued for $480 from Bank of America and they stated it was a denied loan. We were told this was the easiest route to go in order to get the refund. We have talked to about 3-4 different people, the last of which was Rebecca and we still do not have a decision on the loan. Only that there is yet another delay. They still have our money and I cannot seem to get anything accomplished.

So September, we did not get any payment coupon from BofA, so my husband went down to the bank and paid our mortgage payment. He told the teller that we are not getting any payment coupons. She said oh they should be mailed out this month. Then, we started to get notices stating that we we're late on our mortgage, we would call the 1-800 number and talk to someone and they would say that everything is fine.

October, still no coupon, my husband went down to BofA again and paid the mortgage and again told the teller that we are not getting any payment coupons. She then gives my husband a number to call and proceeds to ask him if he wanted to open any accounts with BofA because we had a home loan from them. My husband said no, I just want to pay my mortgage. We kept on getting letters stating that we we're behind on our mortgage payment. We have never in the 12 years we have owned houses been late on a payment! So we know this is not true.

November, we finally got a payment coupon. It had a late charge of $65.15? We called and asked why that was on there, they had no idea. Finally after dealing with BofA for four months, we decided to do a streamline loan to get away from BofA. That was when things got ugly. It turns out that BofA is saying that because TB&W closed down and has our August payment, they have been applying our payments to the previous month. So, really our September payment we made they put towards August, our October payment they put towards September, our November, they put towards September. Plus when we got our payoff statement, they charged us $3,403.08 in interest from our "late" payment.

We went down to the bank and showed them proof of all of our payments (canceled check and bank statements showing the check cleared our account). Still they said that because TB&W has our payment, it is showing that we did not pay it. So at closing on our new loan, not only did we have to pay this $3,403.08 in interest, we also had to pay $133.16 in late fees, $482.61 in escrow balance due and the "missing" payment.

Now, I ask you why? When we sat down and signed on our original loan, we stated that we would pay our payment on the 1st of every month, and that is what we have done. Why are we being jacked around for something that is not our problem? Why did we have to fork over $5,716.85 that we did not owe?! Now I want to know, am I ever going to get my money back? My Credit report shows I've never been late on a payment! I bought my first house in 1999, that's 120 payments and now BofA is trying to pull this? And now, to add insult to injury, BofA called us tonight to thank us for paying off our loan. Ha! Really, they are rubbing it in that they took $5,716.85 of our money!

Consequences: They raised our payment and took money out of our pocket. They really just made us feel assaulted. We're not rich. We're honest Americans. We pay our loan and get by paycheck to paycheck. That money that they took raised our payment thus taking money out of our pocket every month. We just want our money back!

I called BAC, nothing can be done because my account is still under review for a home loan modification, which can take up to 90 days. Meanwhile, my home is up for auction in 3 weeks. How does that make any sense? They won't take any payments while it's in foreclosure status and they don't offer any assistance. It's like they want you to lose your home. I called today and spent 30 minutes talking with a girl advising me that my status is "work out status" and that I can make payments and that if BAC sees that I am trying to keep my home, they will postpone the auction. I called today and another lady is telling me that I can't make a payment and if I do, they will send the payment back. How can we and consumers be held responsible for misrepresentation by BAC? Their business practices are ludicrous. They approve of all these loans and when consumers can't pay them, even with the bailout, they can't offer any assistance to their customers!

In filling out the paperwork there was no indication that the unpaid balance would be reported on my credit. I also asked before I even filled out the application. I could have refinanced my home at that time and paid off some bills to lower my payments, but BAC had falsely reported late payments on my credit and I had to wait until they cleared that up, which could have taken up to 90 days. I wanted to get something done before it came to the point where I was falling behind, and messed up my credit. I was told about the modification loan and decided to go ahead and apply for that. I started this process in July and still have not been approved, but they sure did mess my credit up. They have so far reported a 60-day and a 30-day late. My score was 780 before, not any more.

I called and have spoken with many different people about this issue. I spoke with “Sandy” a supervisor for the Home Retention team on 10-27-09 and she advised me that they do report the unpaid balances. She told me that it is in the application that they write it in a way that I did not understand. I received a call last week from the Retention department needing some more information for the modification process. I asked again about the reporting on my credit, this guy told me that they block anything from reporting to on my credit. I checked my credit today 11-28-09, and there were still the two late payments. I filed a complaint with the BBB the same day that I spoke with “Sandy the Supervisor”. I have every intention on filing as many complaints with whoever until my credit is fixed, and I can take my loan to another bank.

I still have not received word on my modification status, and if I don’t get approved, because of them I cannot even refinance. To me this is a scam, a way for banks to keep people from being able to refinance and take their loans to go to reputable banks. My credit was good enough and my equity was high enough to pay off my car and still save me at least $300.00 a month is bills. Now I can’t do anything. Oh, and recently my basement is flooded and I had to make a claim on my insurance. Because the amount was more than $7,000.00 the bank had to endorse the check as well, and they decided to go ahead and bring my account current with the money that I was supposed to receive from my claim.

I have not gotten the check back yet, but it based on my account statement, they took $1,798.00 to bring the account current, when I have been paying the modified payments as agreed. They have all their money and I am left with nothing but bad credit. Now my credit is bad. I cannot refinance, and with working in accounting, I probably cannot even look for a better paying job so that I can afford my bills, because they pull credit reports for people who work in the accounting field.

With the 4.5%, my payment would be reduced to $737.00 a month, which I would continue to pay $1073.00 a month, reducing my mortgage from 30 years to 17. We have a property in Sea Isle City, NJ which was assessed at $956,000. That is paid for, free and clear. The said property is at $300,000 with a $137.00 mortgage. Our credit rating is over 780. I think BofA figured another scam - take application money, then just hold or keep asking for paperwork until the client gives up. The application fee is nonrefundable.

After two customer reps (one in the mortgage department and another one in online banking), I spoke to a manager in online banking. She explained that this has to do with a "technical issue" that affects mortgages that came in with the Countrywide acquisition. I insisted that BofA has had my loan since 2008 and that I have nothing to do with Countrywide. She said it was because LaSalle Bank at the time had a relationship (unspecified) with Countrywide. In any case, the statements should be available again with the next billing cycle, whenever that may be. The only ways for me now to get my statements are a) through the mail, which takes 5 to 7 business days (!) and; b) by fax to a local branch, which means I have to go there to retrieve them.

I am sure my complaints will go nowhere ("You can send a formal letter to Customer Relations.") since no attempt was made to get my statements to me in a timely and convenient manner (FedEx is apparently not an option.), even though the request is entirely due to a breakdown in their service. The explanation that my loan has something to do with Countrywide holds no water and only makes me concerned that my account got erroneously swept up in an unrelated problem. They messed with my account access without any notification - no email alert, no letter, no notice on the website itself, no explanation anywhere. Seeing how cavalier they are with my mortgage account and my access to it, I have no trust in BofA's ability to keep any financial asset and information safe, secure, and accessible.

Incidentally, I tried BofA itself as a possible lender for the refinance. After an initially encouraging response, the loan officer stopped responding, and his manager never returned a call either. I would not recommend trying to get a loan with them, as timely response is everything in that process.

After 1 hour in wait time, I finally spoke with Derrick (who gave me his extension number) and told me that the fax should be received within 48 hours. On November 23rd, I called again and spoke with Marguerita, who told me the fax would not be received until Friday, the 27th. I escalated and asked to speak to a supervisor. I spoke with Annette (a supervisor), who told me that Marguerita was incorrect and that the fax should be going out. She put me on hold, and while on hold, their system knocked me off. So again, I had to call and go through their phone queue. I spoke with Janelle, who told me she could not connect me with Annette, whom I was just on hold with and forwarded me to her supervisor, Peter. Peter told me that my paperwork was completed and that the fax was in a computer queue to be sent out. That was at 1pm (Pacific time) on November 23rd.

No fax received on the 24th, so I called at 9am (PT) and spoke with Farah. She told me that she could not connect me with Peter and that she could send him an email and ask him to call me. One hour later, having not received a phone call, I called again, got back in the queue, and was told that it was going to be 5-10 days before a fax would be received. I was told that there was no supervisor whom I could speak to and was put on hold while they researched.

I wrote an executive complaint to CEO/President Kenneth Lewis's offices in NC, and I was assigned an executive advocate in October. But that's proven to be no real help, either. In late October, I informed the Bank of America employees I've dealt with (There are others I can name.) that if Bank of America doesn't wish to give me a closing date for a mortgage I've been approved for, they're to send me a reversal of the commitment letter with cause & I'll file a complaint with the Banking Commission. I wanted a release to enable me to "shop" my mortgage to another financial institution. Instead, I got a call from my attorney 1 week ago that Bank of America now required me to pay another $250 for a title search because Bank of America, by doing nothing, allowed the 1st June 2009 title search to expire! I was livid, contacted the Executive Advocate, & at least, got a written commitment from her that Bank of America will refund this fee to me.

The only thing Bank of America has been proactive about is to send me confirmation that Bank of America is prepared to begin debiting my bank account for 1/2 my mortgage payment on December 1, 2009! I've gotten all manner of stalling tactics, excuses, blame game, & pathetic "customer service" (Ha!) since I applied for this mortgage. And here's the "kicker," Bank of America has been my personal bank for about 10 years; my checking & savings accounts are there, and they're where my employee wages direct deposit is sent! I have zero confidence in Bank of America at this point. My next action is to get a lawyer & file charges, & if Bank of America debits my account for the mortgage on December 1, 2009 & I haven't received a closing date, deed, & title to take possession of my condo, I will sue Bank of America for grand larceny!

Steven (Mortgage Loan Officer, BofA), the gentleman I spoke to about my loan, emailed me informing me that the $455 should have already been credited back to my credit card as of 9/21. The closing date had passed with nothing credited back to my credit card. Steven also told me that they would fix this problem either by charging $455 back to my card or he would cut me a check personally. It is now, 11/19/09, and I have spoken to Steven multiple times. He always tells me that I have been so patient, and he will speak to someone to have this fixed. I also tried to dispute the charge on my credit card, because I did not allow that charge. But I was told that I cannot dispute it, because it is a Bank of America charge. My own personal bank won't assist me in resolving this issue.

Now, they are not refunding my money. The appraisal became useless, because it went unused for so many months. The people I spoke with by phone openly admitted they were many months behind, that they could not handle the load, and that they could not give any estimate of when they could work on my application. On one occasion, September 21, 2008, I was told by Diane that my file was "4th in line" to be worked on - another lie. I think it is important to note that they solicited me for business. How dare they ask for more business when they can't come close to handling what they have at hand? I see this as blatant abuse and as theft of my payment since they took money from me while knowing they were not capable of processing my application.

I can only assume that Bank of America is licking its chops as it awaits the avalanche of late fees it is about to charge its unwitting and unsuspecting customers. I also think it has an obligation to honor the existing payment arrangements that Countrywide customers have and that opening a new checking account should not be required. Please get the word out, and warn the thousands of people who are about to be hit with late fees and will be scrambling to make new payment arrangements.

When you do get through to a live person, they read polite statements from an index card and provide no assistance. I previously had a credit card with this company, which I had cancelled. But now, I am stuck doing business with a company that I would never choose to do business with. I am looking to refinance my loan for the sole purpose of dealing with another company.

Again, they were telling me not to pay my mortgage and be late with my payment in order to qualify for something. He had no answers for me, whatsoever. I am trying not to become delinquent and thought the government put out programs to help people. I guess they want to put me and my family out on the street. I can't believe that Steve didn't have a manager and had no other answers other than to default on my loan. Basically, it's letting them throw my family out on the street. This man was extremely rude and has no business being in the customer service department. And Bank of America needs to work with their consumers instead of saying I don't know!

I have tried to contact BoA five times about this situation and to find out why I'm requested to pay more! Because my mortgage is now past due today, the phone will not connect me to a customer service rep. It continued to ask me questions about a promise to pay or did I send my payment, etc. I have asked for a customer service rep 5 times, and the kind pre-recorded voice said, "I think that you would like to speak with a representative." I said yes! And then, it continued, "Please hold momentarily, and I will connect you!" Music came on, then a series of beeps, and then click! I'm disconnected!

I contacted the corporate number of Bank of America and clearly stated my disgust to a nice man. He gave me a direct line and said that I would speak with someone directly. I've now been waiting on hold for 23 minutes, afraid to hang up and redial! This is attempt number 6! This company has created a huge problem for me and my family. Never mind the frustration! They need to get their act together! Or give my mortgage back to Countrywide, where I was actually happier!

I faxed these documents twice to ensure that she would receive them. This would have been the last thing I needed to start my new lower payment process. Two weeks later, I received a letter in the mail telling me my home was sold at auction and to vacate within 3 days. I called to get a better understanding, and the only thing they told me is that she didn't receive my fax and there is nothing I can do. I must vacate the home.

I have tried calling several different numbers and departments in BAC but get the runaround. I have been on hold up to 50 minutes and have been hung up on several times. Also, several of the numbers will put you on hold for an "available representative" for 30 minutes and then end the call or go to a busy signal or say "the call did not go through." I have no idea where to go from here. I can't even talk to a real person. I have two kids, one disabled, and the holidays are coming up. We have no place to go. My credit will be destroyed with this foreclosure.

I have made multiple calls and have only been able to get my most recent check reversed into my checking. The HELOC department stated that the value of my house has gone down. They did not do an appraisal. I have reviewed all the papers I have, and nowhere does it state they can decrease my LOC especially without notice. I have applied to have it reinstated, but I suspect that it won't happen. Indeed, maybe the value has gone down, but they appraised it more than anyone else's to start with.

I am looking to find another bank or even a credit union to take the HELOC as it is. I have never been late or missed any payment. My 1st mortgage is with Countrywide, which is now BOA. If this does not get resolved soon, I will do what I can to move all of my accounts elsewhere. We, the taxpayers, gave them billions in bailout money. Thus, we are owners. As an owner, this is not the way to be treated or to treat our customers. I have already given info to an attorney to be evaluated (for free for a possible class action suit) and written to my senator.

Well, surprise! The loan did not close until the day our payment was due on August 1st. So the payment was withdrawn in the morning and the loan closed that afternoon. We did not find this out until we returned from vacation to find our bank account over drawn and 3 NSF charges for total of $90.00! We called Countrywide to find out why the payment had been withdrawn, and was told the loan had taken longer than usual to close because of the volume of loans being processed. I also was told I should have stopped payment on the draft. Apparently, this happens often because she added, "I wish they would tell people this".

I asked her what she could do to refund the money taken from our account. She said it would be 2-4 weeks for the check to be ordered and sent to us! Two to four weeks later, still no refund of our payment, I called, emailed, and all I got was "the refund still needs to be ordered". So, I told her to order it and overnight it, this has gone on too long. I found out that the payment they took on the morning that the loan closed was put toward our principal and there is no refund. We did finally receive a small refund, apparently, left from impound accounts from our old loan (also from Countrywide/BOA). There was no explanation of what the check is for.

There was also a charge for $866.00 on the closing settlement that is apparently for our hazard insurance. But on our first statement from BOA, there is no posting for that amount anywhere. I called BOA for an explanation and they have a hard time coming up with anything that makes sense. Three calls, 3 different answers. Our NSF charges were never covered and the original loan officer does not return my emails. Anyway you cut it, we are not happy with BOA, but we walked away with a 30 year loan at 4.75%. Ha! ha!

Also, in November ’09, my husband and I are plumbing contractors and are having trouble collecting for an account that was supposed to be paid through escrow. You got it right, BOA again. They were holding money back until their inspector came out to make sure all the work was completed on the job. Work has been completed since July ‘09. The inspector came and signed off the job. There are 4 contractors still waiting for their money, (not BOA's money). We think BOA is intentionally holding money in the escrow accounts to pay their bills. They don't care that their customer is being hounded by contractors and that they haven't lived up to their end of the contract. We have no respect for BOA!

We contacted Bank of America's 203K department and spoke to Evan, who filed for our inspection to confirm the work was complete. Evan mailed us a paper to sign stating the work was complete, which we signed, faxed, and mailed back the day we received it. For 2 weeks, we tried to contact Gary with no success. We left multiple messages on his answering machine. Frustrated, we called the main customer service number with BOA to find out what was going on.

Customer service is completely different than the 203K department. Customer Service transferred us to someone else in the 203K department, which said Evan was on vacation! The following week, Evan called us and finally ordered the inspection. The inspector came a week and a half later, signed off on the house, and sent the report via email to BOA. After another week and a half of not hearing anything, we again tried to contact Evan. This time, we got a message from the 203K department that said "Due to high volume of calls, please call back later."

After 3 days, we went back to customer service, which transferred us to another person in the 203K department, which told us Evan was on a leave of absence! Our loan and inspection report were in Evan's computer system the entire time. No one was working on our loan! BOA just has to order a title search and then cut us our check for $17,000, so we can pay off the contractors who did the required work on our house!

Our new agent is Sharon. Sharon told us the title search had not even begun and would take anywhere from 2 days to 3 weeks to complete. That was 2 weeks ago. We have called multiple times this week, trying to get a hold of Sharon to find out if our title search is complete. Sharon doesn't answer her phone or return messages.

We called 4-5 times in a row today, and the 5th time we called, she finally picked up and said she would try to find out where our title search is. We called the 2 title companies in our area, and neither have received an order for a title search on our house! We signed a mortgage that includes this repair money, and we can't get it from the bank to pay off the contractors, who did the required repairs. We've been trying to close on our loan since September. It is now mid-November. This process was supposed to be completed within 3 weeks.

I called again in November and got a supervisor on the phone. She said that the modification was rejected. I said why, and she said she did not know exactly why but it had something to do with the loan doc papers (from March). I asked if they could send them again, and she said the offer was no longer available to us. She then informed us that she would be sending foreclosure papers in December. All those months and we were notified of nothing! We made payments every month on time. Help.

For the first time in my life, I have fallen behind on the payments to the property our business operates out of and am in desperate need of assistance from the mortgage holder, Bank of America. The time line is lengthy, but to summarize, after months of us chasing them to essentially beg them for assistance, they came back with a modification plan that would increase the interest rate, require a large amount of upfront capital, and would only temporarily reduce my monthly mortgage payments from $8900 to $7800. Obviously, this would not provide the necessary assistance.

The next plan they offered, again after we contacted them numerous times, was to lower the interest rate by one point but only for four months. After which, they would foreclose; and again, it would require a large upfront expense. Regrettably, I had to decline, and they informed me that we were at an impasse and they would pursue their rights against me.

I am 49 years old, married with three children, and find my self waiting for Bank of America to rip my world apart. This should not have to be! I have made it clear that I am not asking for forgiveness of one penny in debt, only a realistic, affordable modification with a term long enough to allow me to sell the property or otherwise improve our financial condition, so as not to force my business into bankruptcy and my employees out of work.

They truly do not seem to get it and apparently don't wish to discuss it. How can it be better for them to acquire a property that quite frankly will not sell in this market (It's been listed for some time.) than to work out a plan with a willing participant where they will continue to receive at least a portion of the payments while at the same time saving yet another small business from closing its doors.

Wasn't the TARP money that my tax dollars provided supposed to help them to help others, so we can all survive and become productive again? Finally, I am no slouch! I have been an outstanding, productive client of Bank of America and/or their predecessors for almost twenty years. They have made lots of money from my many loans, etc., both business and personal.

I feel I am the backbone of this country, and now, Bank of America is going to break me! This is a very sad day in America to me.

I contacted Bank of America on 11/3/2009 and on 11/6/2009 with a letter sent via fax to their number 1-800-595-8797 and requested them to reverse the drafts from my account. The fax contained two letters from Wachovia Bank with the appropriate account number and transaction information showing that the drafts had occurred. Also, the party which actually owns the account and loan with Bank of America also contacted Bank of America by phone at the number 1(800)-653-6183, indicating that the drafts were from the wrong account. I have contacted my financial institution Wells Fargo/Wachovia and disputed the draft charges.

Bank of America Home Mortgage to date, 11/9/2009, still maintains that they have the authority to draft funds from my account, even though they do not have authorization from me to do so. They have not reversed the previous drafts and returned funds back into my account. I wish to file a complaint against Bank of America Home Mortgage for expediting bank drafts against my Wells Fargo/Wachovia account without authorization or my permission. Thank you.

I have contacted Bank of America every week as I keep getting late notices in the mail every week. Bank of America has the check number, amount of check that was made to Taylor Bean Whitaker and the bank. I did not receive a notice that the September payment was to go to Bank of America until after I had paid the September payment to Taylor Bean Whitaker.

Bank of America is becoming a pain in my side. They are nice on the phone and act like they are helping you, but nothing ever changes. I still am getting late notices. I have received three for October '09 and two for November '09. Something needs to be done about this, and I am sure I am not the only one this is happening to. Several employees of the company I work for are having the same of similar problems with Taylor Bean Whitaker and Bank of America. I would hope someone could put a stop to all of this.

I am a single mom of three and also have my elderly mother living with me. I was told by Bank of America to start making payments of $5,000 per month and they would give me a modification. That was 9 months ago! Every time I call them, they say the same thing - these things take time. When I ask where my $5,000 per month payments have been going, they tell me it is going into some offset account. This whole thing scares me very much. My family and I will have nowhere to go should the bank all of a sudden decides to throw us out and I have no money as they are asking for $5,000 per month and that is breaking me. Please help.