Bank of America Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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