Bank of America Mortgage Reviews

It appears that BOA really is not interested in making reasonable loans with the billions they received in the "Stimulus Package". Instead, they are using the money to accelerate their foreclosure and collection efforts. I have been receiving 2-3 collection calls per day from BOA in spite of the fact that I have told them time and again that they have failed to close my new loan in a timely manner and that as soon as it closes, the entire credit card balance will be paid off. My reliance on BOA's commitment and the subsequent unnecessary delay has now made my credit look really bad and I am left with no alternatives.

I live in a two-story home that is only attached to the next house by a small storage building - referred to as a "manor house" or "cluster home". I have three bedrooms and a garage. The appraisal came in at $169,000 and the new loan was for $173,000. I told my loan officer that two of the exact same houses on my street were closing on July 31st for over $182,000 (with no concessions) and she really didn't care. Her specific response was, "Sorry, it didn't work out.” She told me my option was to bring $5,000 to closing. What kind of system is it when the appraiser is working for the company making the loan? I notice that LandSafe has been accused of low-balling appraisals, first for Countrywide and now for Bank of America who bought out Countrywide.

It is very sad when our government bails out a company like this and they treat good homeowners in this fashion. I bet they make a killing just taking $465 from people for an appraisal they know is going to come in too low. I live in a very nice suburb area and most other houses are in the $300,000-$400,000 range. It is my sneaking suspicion that Bank of America is using LandSafe to go low on appraisals to protect their interests in the event of foreclosure. Steer clear of LandSafe and Bank of America for a refinance.

I am currently paying utilities there plus carrying insurance on the townhouse. I am behind on the association fee, but will figure how to get caught up and pay on a monthly basis because they are threatening legal action.

Everyone I talk with including my attorney can't understand why they rejected the sale. I am currently living in Maryland working, living in an apartment. I need help!

We had setup a closing date and I was told that I would not have to bring anything or little at all by loan officer. But when they came back and told me that my new appraisal was $10,000.00 less than the first and that now I would have to bring about $9,000.00 to closing, you try to call and no answer. They also told me the appraisal fee would be waived and it was not. Now, I have to wait for interest rates to go down again to 4.625 percent and my loan still is not consolidated.

At this point, sometime in late June, we were told it was going to an underwriter for review. That underwriter asked for further info, which we also provided promptly. We had been dealing with a Texas or Nevada office. In the first or second week of July, we then received a call from Paul ** in a Long Island office. He said he was processing the loan and would send it to underwriting from there. We asked what about all the processing, etc. that had been done before and he said he was now handling it. He asked for many more documents, insisting on things that didn't even make sense to us, but again, we provided everything. He said that with the further info, it would go to underwriting that Thursday, July 9th.

Instead, we received further calls. This time from someone else who said she was asked to help out. More requests for documents, more supplied. We were up against a deadline, the closing on our house had to be on July 17 and we had to move out. On the afternoon of the 17th, we received a call from BOA that finally, all info had been supplied and reviewed and that the file would be submitted to underwriting that day or possibly on Monday the 20th by Paul **. Starting on Tuesday the 21st, I called Paul ** each day and got his voicemail. I pleaded with him for an update so we could know what was happening.

In the meantime, we had to postpone the closing on the house we were buying because we didn't know when or even if the mortgage would come through. We were able to postpone it until Wednesday, July 29, but not beyond that. Today Friday, July 24, Paul ** finally returned my call. He told me that the file had in fact not even been submitted to underwriting yet, because he had been very busy. When I reminded him that we had a closing date of July 27, he said basically that that was my problem, not his and that BOA hadn't scheduled the closing. This has been a terrible experience, getting handed off from one person to another, misrepresentations about the process and then at the most critical time, a lack of communication.

When I called them, they tried to convince me to go from Quicken Loans to Bank of America also to entice me to get a credit card with their company. They had told me since everything was so good with my credit at that time they did not need any information from me. After signing with Bank of America, I had waited over there sixty days for my new mortgage. I had asked Bank of America where my mortgage was. Since these days, they have said I am over extended and they need to appraise my house again. I had my house appraised twice with Quicken Loans and had two greatly different appraisal.

My loan was approved but when I called Bank of America, they talked me into going with them. I went with them and now, they want to turn me down after the 60 days I was suppose to have my mortgage. Now, after the 60 days, they want my finances, and to appraise my house to be able to turn the mortgage down which was 4.8 percent, which would have lowered my payments by $200.00. On this consumer complaint page, this seems to be a normal for Bank of America when is the government going to stop this way of doing business with the public. Since this, I have been put on a leave of absence from work because of lack of work. I am supposed to be called back at the end of August. I would have had my mortgage with Quicken Loan and now I'm sure Bank of America is going to find a way to back out of this mortgage.

I would be willing to guess that this is not incompetence, but rather another disreputable practice by a bank well-known for these practices. For fellow consumers, this practice can mean millions of dollars from our pockets into the pockets of BOA. I would suggest that people with loans from BOA check their statements closely to assure that they are not being duped in this manner. I plan on moving my loan from BOA as quickly as I can. I cannot continue to do business with a company that is too incompetent or unethical to conduct fair business practices.

On 5/15/09, the second check was submitted at Bank of America branch on Central Dr. in Bedford, TX for my March 2009 payment. This check was never processed and assumed lost until it was returned to me on 5/29/09 by the Bedford branch office, because no coupon voucher was with it (even though there was a loan number written on the check).

On 5/30/09, a third check was submitted in place of the second check for the March payment. Bank of America applied funds from the third check in place of the second check on 6/4/09. This was incorrect, because the first check is still lost and funds from the first check are still not applied to my account. On 6/16/09, a fourth check in the amount of $1400 was submitted at Bank of America branch on Glade Rd. in Colleyville, TX for April and May payments.

Due to Bank of America's inaccuracy of posting to my account, I had to close my bank account and open a new one. I have taken time away from work and spent many hours on the phone with multiple customer service reps, who told me my home loan was 4 payments behind and in foreclosure status. I have also visited the branch on Glade Rd., but I still got phone calls and certified letters. I was told my faxed proof has been received but that until the money is found, Bank of America would not clear my account.

Today, a supervisor named Britney told me my only recourse was to hire an attorney and send a summons to get this resolved, because she saw a payment on 6/4/09 that was applied for February. I tried to tell her this was to replace the second check that was returned to me but that the first check was also cleared through my account, so they have money from that check in February as well.

I can't even try to refinance with another mortgage company, because BofA would not clear this situation up and has ruined my credit for several months now. Please tell me what my recourse is. I have cancelled checks, and some of the customer service people at BofA have acknowledged that they couldn't find the funds from the first check. But others were extremely confused and would not help me. It's now going on over 3 months.

My last phone call a week ago has not been returned. I have called BofA two days in a row, and they assigned me a new loan servicer, who was going to call me right back in 5 minutes. No one ever called. I called them again. I was given the same promise. No one ever called. How long can they drag this out without even telling me what is holding up the process? How can I work with an institution that will not talk to me on the telephone?

BofA is very uncooperative. I thought the Obama bail out was going to help us through this process. We have continued to try and resolve this with the least experience to BofA. I sent them a letter explaining why we need a short sale, months ago. I never got a reply. Today when I called, I asked for a short sale package, and to talk with someone in regard to short sales. I was told we don't have a short sale package. You just sent us a letter telling us why you need a short sale. What? I asked to talk with someone and was told there was no one to talk to regarding this matter. I guess they would rather I go into foreclosure... unfortunate.

We were not upside down until the banks began dumping foreclosed home. We are only about $50,000 underwater if we do a short sale. Nothing compared to others out there. Due to recent medical issues and a turn in the economy, we could no longer make the payments. Our credit has been ruined. We are facing and filing bankruptcy in the next year. I have cancer and this has put me under more stress than needed. We prided ourselves on our good credit and ability to repay debt. The BofA's ding to our credit is putting us deeper into debt. Our interest rates on credit cards have sky rocketed or the cards have been canceled ruining our good credit.

I was told again to try loan modification (I was told the first time we were turned down because they like us to try to refinance first!) I then started sending in all of the info since April and today on the internet. It shows that I am denied, with no reason given. Our income has been drastically reduced. My husband sells cars, 100% commission (Honda) and I work for the government part-time. I was injured from the job I had at the time we financed. We are eligible based on all criteria and assessments.

Now, we are behind three months (we were told partial payments are not accepted and that we had to be behind at least two months). I will not lose my home. I will go to every media, every official it takes. Bank of America has received trillions and I believe the government has been misled and I am out to prove it. I want the government to look into this. Anybody with any suggestions, e-mail me please! Consequences: major depression, health issues, possible loss of home.

I have now fallen several months behind, and still to date, I have not received a statement. Phone calls, yes; but no statement. I asked them why I can't get anything on paper all I've heard. First, it was because I was behind. Then it was because I paid online. Regardless, I should receive something through the mail. I got government help with my home taxes and can't file the assistance forms, because I cannot get BofA to send me any information. I had set up an agreement over the phone, providing they send me a statement. I kept my end and did call in a payment. Guess what. No statement. Oh, but I did get another phone call to almost double for the next 6 months my house payment.

I hope the government helps them out again, because all they have helped me out with is a ticket out of my door. It's all because I can't receive a statement. Sure, I would like to know why and if this is legal for them to do.

Well, BofA finally got back to us a week after our scheduled close date and wanted even more documentation. It was as if we never applied for the loan in the first place. Some of the documents the UW requested we had already sent months ago to the original loan officer. Apparently, the UW didn't like the fact that my wife's income was lower than usual because she took off several months of work to have our child.

It was now July and we submitted the docs to the local loan processor (who never answered his phone by the way). The sellers graciously gave us an extension on the PA, though we knew their patience was running thin. Again, we started this process in early May and it was now July. Ultimately, the UW listed my wife's income as unstable, even though she was working full time before and after her maternity leave.

We lost the deal on the property, which was literally a once in a lifetime deal for the neighborhood we were looking at. Meanwhile, we were pretty much out of the nearly $700 that we spent on the inspection, appraisal and credit report fee. We also lost time and money getting babysitters while we looked at properties under the false pretense that we were "pre-approved" for a home loan. We had even boxed up half of the belongings in our home under the mistaken impression that we would be moving soon. Even the seller's agent was pissed at BofA because even though the seller accepted our offer, they had several other good ones.

All in all, it was a complete waste of time and money. We got jerked around for over two months, even though we had the income, credit, and downpayment. My wife and I are drained from this process and will try again in a year or so. But we will sure steer clear of Bank of America! Be sure you do the same!

I told them my situation and they said I have hold onto my payments and file for help under new Obama rules and programs that they have. I waited two months, called everyday to see if I qualified and finally after two months, I just made the payments. I finally talked with the loss-mitigations department and they said since I was behind, that my credit report was affected and that I no longer qualify for anything, even a refinance. I told them that I was told to stop paying until the process was gone through and they said I must have been told wrong. They intentionally did this to say they tried to help!

My mortgage has increased $1,300. Most of this is escrow shortage which I do not owe. I am in contact with my mortgagor and now am being told that I have received all I can get. Ms. ** even told me that she contacted the city of Detroit and could not validate any information. This is a lie. Many of the comments made are unprofessional and have no validity. I am taking off work to try to retrieve information Countrywide (now Bank of America) will not do. I am unable to pay this excess money and do not feel I have to. Within month, I will be in foreclosure for a mistake made that they refuse to correct. Since my loan was transferred, there is no way to get information from Greenpoint or I get lies from Bank of America. No effort is being made.

Our relationship with BOA has gone from one of mutual respect to one of predatory banking practices. It started when my wife and I were both laid off at the same time (June 2008). With me as a geologist and her as an engineer and a registered nurse, we were confident that we would be back to work very quickly. We were wrong. We were out of work for 9 months. With help from family, we stayed current on all of our obligations, but we knew that we were going to have to make some changes. We called BOA and asked them if there was any help available for people in our position. They replied that since we were current on our obligations, there was nothing they could do for us. According to BOA, we had to be at least 90 days past due before they would work with us. It doesn't make sense, but that was all they told us. So, we decided to destroy our credit and fall behind so we could get some assistance and keep our home.

It seemed like a simple plan and, as were both employed by March 2009, we figured that it would only take us a little time to get caught up. Now, it is important that I point out that, while we are employed, we are seriously underemployed. We are earning a little more than half of what we did a year ago. My wife contacted BOA and discussed our options. Based on the BOA rep, we qualified for a loan modification. My wife immediately applied. After not hearing from BOA for a long time, we decided to apply via a litigation firm. Based on their advice, we stopped paying our mortgage and our home equity loan.

On March 30, 2009, BOA accessed our account and, without authorization or notification, seized the amount we owed on our home equity loan. We avoided any overdrafts, but it put us in a bad financial position for several weeks. Following the seizure of these funds, my wife overpaid the next installment so that we could catch up. BOA again accessed our account and seized the funds without authorization or notification. In all, BOA illegally seized $795 in home equity payments. In addition, we had previously linked our savings with our checking account to avoid overdraft charges. BOA chose to ignore this and this time, we were hit with 11 overdrafts at $35 a piece due to their illegal seizure of our funds.

Following the first overdrafts, it took approximately 10 days for them to notify us of our negative account status. The cycle of funds seizure had begun. In all, BOA took approximately $1,180. We have spoken with BOA three times since these problems began. We have been met with condescension, apathy, and open hostility. We need help. We have been placed in an impossible financial position due to the illegal activities of Bank of America. What are our options? Can you help us?

Needless to say, there was a domino effect that has cost us thousands of dollars, delays, stress, and aggravation. I believe BofA has violated a very serious breach of contract and privacy laws. We still have no idea who this unknown mortgage broker is and why BofA turned over the loan without my grandmother's knowledge, permission, or signature.

In March 2009, I was notified that due to a failure by the Loan Modification Department to complete the modification closure properly, the loan modification contract was never funded and my March payment and subsequent payments were rejected by Countrywide, which is now sold to Bank of America. The loan is a mess, I am trying to pay as agreed contractually but they are not taking my payments and are moving me toward foreclosure. I have documented over 36 separate conversations with Countrywide/BofA since November 2008 trying to resolve their error. I have signed contracts and documentations stating that the previous modification was approved and in place, they have received and cashed my payments on the Homesaver Loan, but they are telling me they "made a mistake".

Though they agreed in writing that they would not report me delinquent, they have done so anyway and have dropped my beacon score from 768 to? This has caused my creditors to close many of my credit lines, call others due and has seriously eroded my ability to gain meaningful employment because I have been in executive management for the last 15 years and every credible employer does a background investigation and credit check. Because BofA could not figure out how to correct this, in order to delay the impending foreclosure process that was automatically triggered, they asked me to accept another 3 month Special Forbearance with no credit reporting (in writing), though they continue to report me as late and treat me like a credit risk and have even called me a credit risk and recently treated me fairly rudely, even though they are the problem.

A month later, we had a new offer on the house and started calling BoA again to get the ball rolling. It took me multiple phone calls to find out they were missing information. The same information we sent more than a month prior. My husband and I wrote up a new letter to address the same thing asked before and faxed it. I called the next week to make sure they received it and was told it could take a week to get the fax into the system. The next week, BoA still did not show record of the received fax or information. Once again, my husband and I had the same information faxed to BoA with the information needed from our realtor. At this point, we had received letters asking for a hardship letter as to why we were behind in our mortgage. We were current with our mortgage.

During this time, our assigned analyst left a voicemail message to return her phone call to discuss important information. This had to be done by my husband because he was the loan holder. We tried multiple times the same day to contact the analyst, but when the BoA CSR finally connected to her, she didn't want to speak with us. She wanted to update the information in the system with the same info we had now sent three times. Later on in the weeks, the analyst did call us and needed to speak with my husband and gave me an actual direct line instead of the customer service number, my husband could call her back at. Of course, I had called BoA to make sure they got the 19-page fax from our realtor before receiving her call.

My husband spoke with the analyst and was told an appraisal of the house would be scheduled. The analyst still claimed the info faxed to them 3 times was not received. The analyst then said she would go over every page in the fax if my husband wanted her to. Of course he did and when she started to go over the 19 pages in the fax, stammered over a couple of them, stating one of the pages of info she said wasn't there. To be on the safe side, my husband and I faxed the same information a 4th time. At this point, we definitely felt as if we were wasting our time and money. We were suffering from BoA's incompetence and having to deal with many CSRs who were not friendly at all. It was always the BoA saying the process was being held up by us, if the info isn't in the system, then we didn't send it.

I called BoA again 2 days ago to see if our most recent fax had been received and to confirm the appraisal of the house being scheduled. Of course, the fax wasn't received but to my shock, the appraisal the analyst said she would order wasn't ordered. The CSR said she would email the analyst to let her know we had called to inquire about our account. I knew this would be all that the CSR could do. Later the same day, the analyst called needing to speak with my husband again. I asked her why she needed to speak with him and about the appraisal. The analyst proceeded to tell me she could only try to contact us a number of times before she would have to kick our request out of the system and that it was her third attempt. She also said she would need to go over the terms of the condition before she could order the appraisal on our house.

I told her she spoke with my husband last week over the same thing. She said she hadn't spoken with him and we had never tried to contact her. I could not believe what I was hearing. Here this woman was threatening to kick our request out of the system, while denying she had ever spoken with my husband. We went back and forth over when we tried to contact her, when he actually spoke to her and what he spoke to her about. Since this whole short sale process began, I have gotten really good at speaking over top of BoA employees when they refuse to listen to what the customer is saying and refusing to let the customer speak. As the analyst continued to deny any phone correspondence, I told her I had a recorded voicemail message and good phone records and will have my husband call her, said thank you and hung up.

When my husband was able to get one of his many phone calls through to her, she was very apologetic and said she found the log where she had spoken with him and this time, gave him an order number for the appraisal. Unfortunately, it is me having to deal with all this, while he is at work. All I get is the bad end. I also want to add a note about the customer service reps. It has been my observation most of the female, not all, CSR are very rude and need to be retaught how to deal with customers whom have become irate through their dealings with the BoA incompetence, the verbal ** to come out of their or other CSR mouths and the complete disregard of what the customer is asking or saying.

I will tell you, I happen to get one really stupid CSR on the phone. She would not help me in any way. You can tell when someone doesn't know how to help you or just won't help you. This one just wouldn't help me. I quickly got off the phone with her and called back for someone else. Not knowing the first CSR's name and really not caring at this point, because I was so mad, I referred to her as a **. This action ticked off the CSR I was currently speaking with and she became hostile towards me after the 2nd or 3rd time. I told her I was venting and she would just need to let me vent, but at least I got something accomplished with her.

I have had a number of not so nice CSRs speak to me, most of them female. The male CSRs either ignore the angered tone of customer or speak to the customer as if they are really trying to help, instead of responding in defense to an angry customer with a raised voice and rapid speech, as I usually have when really ticked off. Trying to tell the customer they have no right to be angry or "you need to fix your tone" only makes thing worse. So yeah guys! Maybe the guys need to teach the gals how to provide good customer service. There are other things said by the analyst and the CSRs that have convinced me Bank of America sends all their employees to ** school.

My income dropped because my ex-husband's income dropped and this is where I get a majority of my money to pay bills. Now, I am being told not to give the mortgage company any more money and start saving it so I can find a house or apartment to rent for my family. The supervisor told me if I send in a letter of hardship and proof of income, they may approve a loan modification program. Once again, I was told by another person currently in the foreclosure process that this will not help in any way and all they want is to know exactly how much money I make so that they can sue me and collect the debt. Please help me understand what to do. I really don't want to lose my home since I have invested so much money into it.

Due to this situation, my husband and I decided to place the property on short sale. Before that, we tried selling the property for a couple of months for which we can provide proof through the real estate company who listed the property on the MLS. But after trying to sell the property for months, we found out that a property has way much bigger PH, on an 11 floor, with extra bedrooms (ours is a 1/1 4th floor) had been sold by a bank for $274,000 USD. We purchase ours for $365,000 plus a $50,000 line of credit given to us by the same bank. This pushed us to put the property on a short sale process to at least make the effort and avoid a foreclosure.

All this unfortunately has been dealt with Bank of America. Approximately 2 months after having the property listed as a short sale (this was Sept. of 08), we finally receive a contract from a prospect buyer going in with 20% down payment with possibilities of placing more money down. Offered received for $250,000 (so many months have passed by, I barely remember the exact amount on the contract) but anyway, Bank of America received this purchase contract on September of 08. Then after many follow-ups and indicating that they never received the contract, then months would pass by and would say that the contract had never been received on behalf of the broker and myself, they would say that it hadn't been assigned.

Finally, in Dec. of 08, they indicated the case had been assigned to an analyst by the name of Lillian **, and there after, all they respond is that it is still in review. To our surprise, after almost 9 months that Bank of America has this short sale contract, and so many calls asking us the same stupid question, why we can't pay and then we threw the ball to their side of the court telling them we are waiting for their response 9 months ago, they said they're going to look into it. But not only that, we received approximately 1 week ago, a notification from the bank, that the work out option had been rejected. We didn't understand, and when we called the bank at the Loss Mitigation Department they have the nerve to tell my husband that they had received a notice on behalf of the buyer that they no longer were interested in the contract and that they had walked out.

Obviously, the buyer's agents were contacted and to our surprise, they indicated they still had the money in Escrow and had never notified the bank of such action. And as proof, they sent the broker an email confirming this. Now, what is going on? I wish I knew it myself. It seems to me that Bank of America has a conflict of interest with these properties, as they keep making us and the rest of people with this similar case go in circles, but never give a response, and now they have the nerve to lie about the buyer's interest in the purchase.

To conclude, almost 9 months have passed by, between the broker and us as owners have been on their neck calling at least twice a week, there are buyers still at this point, waiting for a response. Now, 2 years are due on the taxes of this property which could have been avoided if the case had been closed in the past months, and the condo association is also behind the property. And still, the bank is stating they need, I don't now how many billions due to the stress test which not only come out of taxpayer’s pocket, but on the other hand they are not doing absolutely anything to help customers, they really don't care.

Sooner or later, the buyers will walk away. A property that could be sold as short sale and avoid me economic damages to a soon to come foreclosure which will cause me a future judgment, due to their negligence. All the time invested by the both real estate companies, and economic damages caused to the buyers who most likely have lost the opportunity to invest in another property with similar characteristics but with a different bank.

I waited for the 60 days to be up and called BOA back. This time, they said that they still could do the refinance but instead of 5.35%, it was now 6.75%. I told them that this was unacceptable and once again, asked about the appraisal and why it was done. I was told again that someone had just messed up and that they were sorry. I would not recommend anyone ever work with BOA because I feel that they are all crooks.

Since the other persons had worked directly with my realtor, I asked her if she could do the same since it was hard for me to answer her (she did not answer return calls) when I was at work. She said no, she does not talk to agent because they are pushy and she does not have time. I told her it would be faster since the person before her did (no customer service). I explained he can send her all required docs. She proceeded in telling me that she would note this because his fax could be unreliable. I said okay and that he keeps all confirmation reports, she stated that those were unreliable. I simply told her that was untrue. It's a confirmation report of something factually sent.

Anyways, she would lie about not receiving calls from me. She failed to tell me the loan expired, I believe 5/29/09, and my contract was to close about 5/22/09. She had all the documents, but decided not to close. The day I first talked to her, I knew we were going nowhere. I thanked her for attempting to help (whatever that was) and asked her to transfer me to another agent. She then said, "no, that would take time". I then asked for a supervisor, she said no, that she was not in. I asked her for the supervisor's name and contact info. She said no, so I asked to get a statement "are you refusing to give the information?". She said no, but that she would forward an email. I said thanks and we disconnected.

I did call and email a supervisor and a manager, they never called me or emailed me back. This Sharon woman had one more contact after that with me. That time, she acted as if she was customer service queue (weird). She stated she was handling everything and thanked me (weird), so I was also nice to get this rolling. Time came to close, my agent called her, the title company called her and I called her. She returned no one's calls. Then came in Lashay **. She called me to tell me that she is assigned to my loan and to call her because she is requiring some documents. This one made contact with me one time to tell me she is my new agent, sweet as can be and that she will get this expedited but my loan has expired. She will forward my case to underwriters and that she will stay in contact. Needless to say, I have emailed her several times and called leaving messages. She has not contacted me back. I've looked everywhere for their corporate number or complaints department without success.

We kept calling James ** to no avail, for two weeks. We finally were put through to an underwriter who told us we would be denied because we had our home for sale. We have yet to read anything that says you cannot have your home on the market. I don't know if this was a scam, but I do know it is not fair. My husband informed them we may have four months at the most before we would have to foreclose on our home. To be able to refinance with a lowered rate would have been a huge relief. We have always paid our mortgage and we did not have an ARM nor were we from Countrywide. We are loyal BOA customers. Will someone please tell me how to file a complaint against BOA? We were qualified for the assistance from the government. I think BOA is a fraud and should be sued. I intend to do just that as soon as I find the avenue.

After another trip to Bank of America, the Branch Manager made a call to Phoenix and was told the check would be sent to us regular mail and the contractor's name would appear on the check also. We should receive the check in 5-7 working days and must jump through thin new hoop to get our roof replaced. We are told the check will be for $10,000 and we are to call them when our contractor is 75% finished so Bank of America can inspect it to release the rest of the funds.

They can't explain at all why we at all why we are not using electronic transfer when we pay our mortgage this way and why are we being treated like a couple of crooks. I feel harmed because we are talking about a roof leaking and if any interest is accrued on this money that we also will receive the interest with our final monies from Bank of America Mortgage. They have a copy of the signed contract for $14,950 and need to release all of the funds at once.

When the paperwork arrived, the closing cost was $3971.00. When we saw the amount of the closing cost, we decided we did not want to go through with it because the amount was not what we were told. We do not think we should have to pay the $400.00 because we were totally misled by the amount of the closing cost. My husband has left 2 messages for Mr. E and he has not returned the calls. We also called BOA, but they wouldn't do anything about the $400.00 either.

Then she said that I should cancel the check that I wrote since they had never received the check. So I called my bank and put a stop payment on the check, for which I was charged $20.00. That afternoon, in the mail was a letter from Bank of America dated June 16, which stated that they had received my check for June payment, but the check was damaged by the US Post Office machinery and so they were unable to deposit the check.

So in fact, the phone call from that morning stating they had never received my check was false. They had received my check, albeit it was damaged, but I was made to feel like I wasn't paying my bills. And I was also ill-advised to put a stop payment on a check, because I was told that Bank of America had never received the check. I called Bank of America on June 22 and spoke with 2 representatives, and I was told that they would not refund my $20.00 for the stop payment, even though I was told by Bank of America on June 20 to put a stop payment on the check because they had never received it. I was charged $20.00 to put a stop payment on a check, because I was lied to by Bank of America.

Trying to talk to them is like trying to keep water in a sieve. It just doesn't work. We bought our house when housing was horrible, prices were ridiculous and lenders were definitely predatory. We were transferred, so didn't have much choice but to move. Our original lender qualified us for a home we never should have been to get. Lenders tell you what you want to hear and we bought into it.

Needless to say, I was devastated. I received one more offer, $17,000 less than one of the previous offers. Again, many calls which led to them accepting this much lower offer only to find out that I am now being sued by my home equity loan bank (Associated Bank) for over $16,000. If I would have let the foreclosure happen, I would not be getting sued. Bank of America lost over $17,000 because they could not get their act together.

I have searched but can find absolutely no help. How can this happen? How many other people do not even know why they are losing buyers? This bank has ruined me and should have to pay. Something has gone terribly wrong and need help to get my story told. Please help me. This is a very short version. Please call for the entire story.

(I listed them because I was earning my higher rate of pay through that company at the time. Note: these jobs/employers often overlapped each other.) Naomi: OK, that's fine.

Weeks later, Naomi left a message, stating "you are declined due to your income situation with your job. The underwriter said that since you have only been employed for 6 months and since we don't have a 2-year work history, then we must decline you." (I still have the saved message on my phone.) I have spoken to 4 BofA refinance specialists, all representing their Freddie Mac loans and policies (I assumed). Jeremy **, Matt ** (verified specifically this point twice with him) as well as (in writing from him directly) from Sam ** stated that "For employment verification, we will need 2 years same line of work to satisfy employment." Note: "same line of work..."

I have provided my "2 years same line of work," however, I have been declined "because of my employment." The BofA rep said that on the voice mail as well as in the email. I have a passing LTV, I have excellent credit score, and flawless payment history for the 6 years of my loan. Specifically the processor, Naomi **, stated in my final denial email that "We are unable to make any changes to the employer section."

I have no idea what that means. Not very specific is it ? She went on to state in the email that "when I called your 2 employers you provide and they were your previous employers.... Please translate! I am not just asking to borrow $10 from a buddy of mine! After all the work we have done to get this far, I expect only a little more effort.

I positively feel Bank of America does not want to grant me the refinance. It has been a struggle since the beginning. I don't think I represent as great a profit to them if I refinance. But I expect to be treated fairly according to their rules. I rightfully should be able to lower my monthly payment like all others under the Obama plan. In dropping from 6.875% to 4.3%, this represents over $608 dollars per month for 30 years. Do I have recourse for this?

They could not find any reason why it should have been denied and I was advised to have my loan officer (Duane) resubmit the application. I also could not pull up the status of my loan to see if it has been corrected. The 5% included buying 3 discount points. However, the interest rates have gone up since my original application so my new interest rate would be 5.8% with 3.25 discount points and my APR would be over 6%. Duane tried to get my 5% rate back and he said they had to do an investigation, which they had supposedly already done. He said it appeared it was a computer error on their part and they will only offer to pay for one discount point.

In addition, I have excellent credit. I asked if I could speak to someone to appeal and Duane advised that the complaint has been sent all the way up to the Vice President and there is nobody that I can send an appeal to. Both Duane and his manager believe that I should have the rate I was locked in at but their hands are tied by the higher ups. I'm being penalized for something that was completely Bank of America's fault. I believe it is unethical. I have spent a tremendous amount of time trying to resolve this issue and now it is going to cost me even more money to refinance.

I was told we would get a loan packet within a certain number of days. It never came so I called several times to get them to send it to us. We finally received it and faxed back the signed paperwork, called the loan specialist, Patrick ** (since fired), listed in the folder and he said they had so many loans and not enough people to process them that it may not close in the 60-day lock period. I knew the rate was too good to be true and they were trying to avoid honoring our rate. I said as much to, D **, (the girl who originally set up our loan and locked in our rate on the fast track). She said they would honor the rate and won't go back on the promise even if the rates go back up nationwide.

However she said the key to keeping that rate is to stay on the fast track and it's a good thing we locked it in when we did, because they stopped offering them a few days later. But when I asked her the name of my new my loan specialist and why Patrick was gone, she said something very disturbing. She said, “Since Bank of America took over, things are being done here that you would not believe--I cannot believe them myself.” I asked, “Illegal things?” and she paused and said, “Well, at the very least, unethical.” She said Countrywide would never treat customers the way these people are treating them.

On May 22, D's boss, L ** informed us our loan had to sign by 5/26 in order to stay on the fast track. Monday was a holiday and she said she would personally pull it out of the line and put it through on Tuesday. However, on Tuesday, L would not return my calls. I dealt with D on Wednesday trying to get this put through. Then D told me something very revealing. She said all BofA employees were told not to process any loans on Tuesday, May 25 and when D and two of her bosses tried to put mine through the following day, Wednesday May 26, they were told by higher-up authorities at Bank of America that the deadline had been changed to Tuesday night from Wednesday night, even though it was Wednesday morning.

So in addition to the fact that on Tuesday no one was allowed to process loans, now Wednesday no one can process because the deadline was no longer that night but the night before.

More time passed, there was a problem with the title. They didn't call us and tell us about the problem. They let it sit for a couple weeks until we called them and asked about process. So promptly, we talked to our lawyer and fixed the problem. We did everything they asked us to do. They said there was still a problem with the title and they were sending it to their lawyer to figure it out. Some more time goes by, we called Jonathan ** several times to give us an update on what was happening. He does not return our calls. He returns our calls a couple days later saying he doesn't know what to do! We asked him, "Are you saying you can fund our loan?" He says, "No, I just don't know how to process it because of the situation." There was no situation. It was all fixed.

So we decided to go with a loan officer in California because we were dealing with Jonathan over the phone. We went to the Bank of America office in Modesto, CA where we live so we could physically walk in and see someone instead of trying to track them down on the phone. We went into the office and started the new loan with a new loan officer Orvale **. He said that we may need to pay for new appraisal because of the time that has passed since the last appraisal. A certain time frame like 160 days, it has not been 160 yet. He called us today and said to come drop a check by for the second appraisal. Bank of America has told us that they had our paperwork and to wait for someone's call from a title company in town to call.

They never called so we called them. They said they never received any paperwork from B of A. So we called Orvale from the Modesto office and he said that the title company had to be mistaken because he sent them the paperwork. Another week went by and nothing because someone was on vacation or had their thumb a up their butt! So now, because people at B of A weren't doing their job, we have to pay for another appraisal. That's wrong!

We had our home loan and HELOC with Countrywide, which is now Bank of America. When our hours were cut, we stopped all fast food, and cut way down on renting videos (our only money wasters). We even stopped my husband’s $100 monthly deduction from his paycheck. We applied for a loan modification (April), showing what our expenses were a few months prior, and how much per month we were now saving (we had also turned off cable TV). We rented out one of our rooms to a stranger. We have no kids, no pets, and any family near us is in worse shape than us, and can't loan us any money.

Bank of America saw that we were making an effort at saving money, and was giving us kudos. Alas, that just wasn't enough. A couple of people on the phone suggested that we find a church to get assistance from them. We are far from the point of having to mooch off a church. There are people far worse off than us, who need help more. Our income and expense worksheet showed us as having $50 left over every month, after paying for the house, utilities, and other bills. Bank of America told us to put that $50 into a savings account. Never mind that I had to buy a used tire for my truck last month (our car and truck have been paid off for years), and take my husband to urgent care last week for a shoulder injury. Yesterday, I just got hit with a $995 IRS tax bill for 2007. Having the tenant in the house has increased our electric bill. I think it’s time to redo the income and expense worksheet.

We have had enough miscellaneous expenditure in the last few weeks that we began to short pay our house payments. Countrywide accepted them, but this month, Bank of America said they would not accept partial payments. If I were to send a partial payment, they would apply it towards any and all late charges and fees, then put the balance of the partial payment into a kind of escrow account, and not apply any of it towards my mortgage payment. I was told it would be best to hold any partial payments, until I could make a full payment, even if I paid it late.

Well, the loan modification took a couple of months. I just received it yesterday. They modified it up! All they did was to add $4,000 in interest to my principal, and increase my monthly payment from $965 up to $987. They kept the interest rate the same (6.37%). How does this help me? I don't owe enough to go bankrupt, and I can expect a foreclosure notice in a month or two. I'll let you know what happens in a couple of months. I will try to compose a civil letter to Bank of America, and ask them if they seriously thought the loan modification they proposed to me was thought to be competent, and typical of the quality of work that we can expect in the future. In the meantime, I will be short-paying for the third month, so technically I am two months late.

I have talked to Bank of America six times to get his loan modification done. The first five times, I was lied to, asked how much loose cash I had and just pretty much given a runaround. I figure that they just wanted to let my husband’s home be sold to add to their coffers. Not once during the first five phone calls to them did they even attempt to help me. Four of the five times, I was told they would send me paperwork to fill out. I tried to explain to them that the home was being placed for sale by HUD, so I was on a timeline to get this worked out. Today, 10 - 15 days later, I have still received no paperwork.

I decided to give a phone call to Bank of America one more try. This time I got hold of a woman named Mary, who actually seemed to care. I explained that my husband is very ill with end stage renal disease and total kidney failure as well as several other things. I also explained that the sale of his home and forced move would likely kill him. Once more I gave Bank of America the information they need to modify the loan on my husband’s home. After taking the information, Mary told me that there is a problem because Bank of America does not consider Social Security as income. Say What!?

My husband has worked his entire life and paid into the system. He has drawn Social Security about 7 years. This is the first that we have been told that it is not considered an income. So why does he pay federal income tax on it? Needless to say, I am appalled at this holier than thou attitude that Bank of America has regarding our retired and disabled citizens.

How many more class action suits are going to be brought against Bank of America for their shady practices? It seems that a discrimination lawsuit should be next. This is the same bank that received how much in bailout money? Oh yeah, it was 15 billion dollars according to USA today and then, according the CNN Money, another 20 billion in cash and 118 billion in assets to take over Merrill Lynch.

What is wrong with this picture? How much longer will the government allow Bank of America to do this to its citizens? Where are you, Mr. Obama? Where are you Mr. Schwarzenegger? Where are you Mr. Geithner? Where are you Mr. Donovan? Don’t you think it is time to look into Bank of America and put a stop to their disrespect of American taxpayers? Bank of America doesn’t give a damn about anything but the money. I will fight to the end to keep my husband in his home. I demand your help and I demand it now!

I have talked to Bank of America six times to get his loan modification done. The first five times, I was lied to and asked how much loose cash I had; and I was just pretty much given a runaround. I figure that they just wanted to let my husband's home be sold to add to their coffers. Not once during the first five phone calls to them did they even attempt to help me. Four of the five times, I was told they would send me paperwork to fill out. I tried to explain to them that the home was being placed for sale by HUD, so I was on a timeline to get this worked out. Today, 10-15 days later, I have still received no paperwork.

I decided to give a phone call to Bank of America one more try. This time I got hold of a woman named Mary, who actually seemed to care. I explained that my husband is very ill with end stage renal disease and total kidney failure as well as several other things. I also explained that the sale of his home and forced move would likely kill him. Once more, I gave Bank of America the information they need to modify the loan on my husband's home. After taking the information, Mary told me that there is a problem because Bank of America does not consider Social Security as income.

My husband has worked his entire life and paid into the system. He has drawn Social Security about 7 years. This is the first that we have been told that it is not considered income. So why does he pay federal income tax on it? Needless to say, I am appalled at this holier-than-thou attitude that Bank of America has regarding our retired and disabled citizens. How many more class action suits are going to be brought against Bank of America for their shady practices? It seems that a discrimination lawsuit should be next. This is the same bank that received how much in bailout money? Oh yeah, it was 15 billion dollars according to USA Today. And then, according to the CNN Money, another 20 billion in cash and 118 billion in assets to take over Merrill Lynch.

What is wrong with this picture? How much longer will the government allow Bank of America to do this to its citizens? Where are you, Mr. Obama? Where are you, Mr. Schwarzenegger? Where are you, Mr. Geithner? Where are you, Mr. Donovan? Don't you think it is time to look into Bank of America and put a stop to their disrespect of American taxpayers? Bank of America doesn't give a damn about anything but the money. I will fight to the end to keep my husband in his home. I demand your help, and I demand it now!

I was given the runaround by Countrywide regarding paperwork and general limbo confusion to then have to do the same "dance" with Bank of America. I am now 10 months behind on my mortgage. I was told in January that I would receive a decision on my loan modification in 60 days. I called multiple times and did not get any response, except "It is in review."

In April 2009, I contacted my new lender (Bank of America) and asked where my account stood and if they had all my paperwork. The rep stated that they did and it would be about a week for a decision, because my account was "in review." Week after week, I called to see what was going on. Finally, on June 8, 2009, I received a FedEx from Bank of America with their loan modification terms. Here we go. I would receive a reduced interest rate (6.54%) and a set payment plan for the period of possible increase under my original ARM terms (possible increase every 6 months) and an extra $17,000 added to my principal mortgage payment and interest that would accrue on top of that added $17,000.

Oh, the adjusted payment would start in August 2009, and the original terms of my loan has a possible ARM increase in October 2009. A whole three months of relief, wow! So much for working with homeowners! I cannot afford my home and will be in foreclosure if I cannot get a reasonable mortgage payment set.

I gave the cash to my fiance and Bank of America then questioned deposits from the donor's (me) account which seemed very invasive as my name is not on the loan. When calculating our loan they estimated $500 for home insurance which completely threw off the rest of the home ratios and consequently has prevented us from closing for two extra days. As I type, they are still trying to work it out after we have scrambled once again to cough up $1,500 which increased our down payment by over 7% of the original agreement. Due to Bank of America's incompetence, my fiance and I have now had to use wedding money to pay the last minute increases. We are in serious danger of losing the house. We have had to reschedule U-Haul reservations and utility initiation. We have wasted time at work trying to contact our loan officers, gas money to drive to the branch, cell phone minutes, and money on fast food because we didn't want to buy groceries just to move them.

I began calling Ms. ** to inform her that I inadvertently left out insurance declarations page. She said no problem. I then requested a possible closing date, because I knew our package was complete and all the processor needed to do was to verify receipt of appraisal, etc. and then submit to underwriter. After not hearing from her, I called and left several messages. No return call(s).

Toward the middle of April, I kept calling and got Ms. ** on the telephone. She had record of the appraisal having been received and that it was in underwriting. She said BOA was swamped with loan refinances and she could not give me an anticipated loan closing date. I informed her that our loan package was complete and should sail through the process, if only someone would take the time to underwrite it.

After numerous failed attempts to get Ms. ** on the telephone, I eventually contacted Ms. June ** and strongly voiced my dissatisfaction with BOA and the handling of our refinance. She made the usual excuse that BOA was extremely busy and that everyone was doing the best they could. She asked for my patience.

I next spoke with Aaron, last name unknown, Ms. **'s supervisor, to complain. I'm certain all this is in the record.

That brings me to the Saturday conversation with Mr. **. He informed me that because BOA is so busy, a special group was created to help expedite loans already in-process. Next, he requested that I fax to him our entire loan application to include updated documentation of all statements, etc. Now you get the picture. I angrily asked him to retrieve our original submitted completed application with documentation and he would have everything he needed to move forward. He said he did not have access to the original file; therefore, to move forward with our refinance we would need to re-submit everything, updated, of course.

Now therefore; David ** and Cheryl ** do hereby demand that Bank of America cease any and all work on our loan application, if any, and send us our appraisal, which was paid in full at time of application. If this is not clear to the incompetents at Bank of America, we are withdrawing, canceling and stopping our application to refinance. Got it? Please do have some corporate moron contact me so they can fully document my dissatisfaction. No refinance thus, compounding our efforts to lower our monthly financial obligations.

After nearly 30 minutes of phone conversation, our December and January payments had been deferred. The paperwork was to be in the mail and our next payment was to be due in February. Around the second week of January, we receive a call from Bank of America, wondering when they could expect our December mortgage payment. We explained that we had deferred the payments and that's why they hadn't received it.

After a week of going back and forth with them and countless hours on the phone, they said that they had no record of the conversation, the deferral or anything, but they did let us know that they had reported us 30 days late on our mortgage. After many years of building our credit up to scores over 700, we now find ourselves slowly creeping up on scores in the lower 600s/upper 500s. After getting nowhere with them, we sent the 2 payments that we had put into savings, just to get back to even with them.

In May (2009), we found ourselves faced with the choice of either paying multiple bills that had pile up since the birth of our daughter or paying our mortgage. With all of the new plans and government bailouts, we would surely qualify for some assistance, so we opted to pay the bills and not our mortgage.

We started the modification process, which included 82 pages of financial information. We faxed the 82 page packet and waited one week for a call. Nothing! We called them and they informed us that they hadn't gotten anything from us. We then put together the packet a second time and this time, we mailed it certified so that we knew it would get put into someone's hands. 2 weeks passed and they finally realized that they had the paperwork.

To make a very, very long story short, we have done everything that we can. We applied for every aid or modification program that we can and to no avail. We don't qualify because we were late on a mortgage payment, but then the next person tells us that we don't qualify because we are current on our payments. One person says that we don't get help because we make too much money and then another says that we don't make enough. No refinance because of our credit scores that Bank of America destroyed with their deception. As of today, June 7, 2009, we are nearly 2 months behind, and as far as we're concerned, they can have the house back. Good luck selling it for what we owe!

I found out that my payments went up in March and started paying the correct amount then. Ken said he could fix the February problem and this would help me. He also said he would take the late fees so this would help since I was trying to fix all and he understood. He also said to change the payer to Bach Home Loans and resubmit my payment, so I did. It should be there on Tuesday at the latest. Ken called me back and said this lady would help me understand more so I was speaking to her and she also tried to tell me I was 4 months behind. The lady said they were going to raise my house payment again. I told her they just raised it up in January. I told her that I was stretched now and I could not have it go up again. She said this was my fault. She said I could call customer service and they could lower my payment. I told her that I had already done this and they said they could not help me. This also did not make sense. Since she just said they were going to raise it again, and Ken spoke up and said I was not and the he was going to take the late fees off, and this would help adjust for the escrow. The lady then told him to get off the line in which he did. She then began to get really rude to me saying that it was my fault that the escrow was short and "whose fault it is that there is $18 in the escrow instead of $22.02.” So I have to be 4 months behind and I do not know what I am saying for what they have to pay. I told her all I do is pay my payment and they are to do what is supposed to be done, but they are not supposed to raise it again because of something they did and not me. She just kept getting ruder and ruder so I told her I was not going to argue with her any longer and I will make my $697 payment and that is it.

I feel very unhappy that people can treat customers this way and berate them and not help. They should not threaten to take people's houses and should listen. I work hard and try hard to make my payments and if I was to tell someone told that it was their fault that my company did something else with their payment and want to make it their fault, I would lose my job.

All paperwork seemed to be moving along when I was requested in March to pay holder of my 2nd $100 processing fee to subordinate the loan. I did so. I then received a call in April saying I needed an appraisal and that appraisers had told the loan officer I informed them I was cancelling my loan app. I have no idea what they were talking about, as I did not tell any appraiser such a thing. The BofA rep Sarah told me that the system market value was too low and they needed a walk through appraisal.

On May 5, I was told my appraisal was too low to meet guidelines, my loan was denied after all and my loan would be sent to underwriter. I contacted Sarah and was told by email she was looking at whether we qualified for Obama's Home Affordability Act. We received that conditional approval and documentation started transferring over, still at 4.75% but now 2.75% points. Now, appraisal is showing up on their system as $35k higher than they told me it was when they denied the first loan.

However, they have sent me a second conditional approval which bumps the points to 4.5%! I have yet to get a satisfactory answer as to why this would be. I'm being told they are tracking it back to figure it out. In addition my loan, closing is now pushed out to August. Meanwhile, I'm struggling to make payments as both of our salaries are being reduced by our government employer. For the first time, I feel at risk of losing my home if I don't get into the lower payments I really need now. I am out $550 in loan fees and no new loan to date. The loan closing costs are much higher then originally promised. They are now estimated at about $18,000. And I'm not confident this loan will go through at all.

In both cases, BofA called me regarding the complaints submitted by these two entities on my behalf. And at least, for now, BofA has provided me with a negotiator who is responsive to my polite calls and working on a solution with me. Unfortunately, it has taken a lot of written correspondence and detailed documentation just to get this far, but hopefully it will be worth it.

Our divorce had not been finalized at the time I was purchasing my home. The documents were faxed to him. A week passed and I did not hear from Bank of America. I called again. I was referred to Roni **, Home Service Specialist and I faxed her the sale document indicating that my husband was not listed as having ownership.

Another week passed. I was contacted by a title company requesting the information concerning the purchase of my property, which indicated that my ex had no ownership. Another week passed, and one contacted me concerning the status. I called Roni ** and inquired about the status. She stated that everything was fine and I should be going into closing soon. I hear nothing from Bank of America. I called Roni ** again. She assured me that the closing would be taking place soon because all the documents were received.

Several weeks passed, and I contacted Roni again on May 21, 2009. I inquired about the status. I asked why has it taken two months to close this request. Roni stated that she needed a bank statement showing that I had sufficient funding in my bank account. I faxed her my savings account which had $2,200 and my money market account in the amount of $15,000.

A week passed and I called Roni again. She reassured me that everything was okay and would let me know when the closing would take place. I heard nothing from her and called on June 2, 2009. She stated that I should be closing soon and she would check to see if the documents of my saving and market accounts were acceptable.

I called on June 3, 2009, Roni then informed me that my refinance loan was turned down because of derogatory statements on my credit report. I had filed bankruptcy in June 2003. She stated that I had a late payment on a JC Penney account. This account has been in dispute which I had informed her about and the account is in my son's name. He had put my name on the account as a user.

Roni asked if I had any proof of this. She stated that Cingular had me listed as late payment. That account was paid out and I told her I had proof of that. I asked why did it take over two months to inform me of this when the credit report should have been the first item to have been reviewed when I applied for the refinance.

Since my bankruptcy, I have not been late with any payments and Bank of America is my mortgage company which shows that I have never been late. Roni stated, "Why did you go with the Freddie Mac refinance?" I informed her that Mr. ** advised me that this was the best option. He never informed me of any problems concerning my credit rating or that there were rules stating I could not have any derogatory statements on my credit report.

The documents were received and logged into their system on 4-7-09 and listed as Approved and Completed right on our online account. During this time, we received a letter telling us that Countrywide had been acquired by B of A. I didn't think this would affect our already signed and completed agreement. I had paid the new payments for 3 months and heard nothing until 5/28/09 when I received a call from B of A. I was told that we were 5 months late, had xx amount of dollars in late fees and an intent to foreclose had expired in December. I explained that we were on the Homeowner's Retention Plan, which I had to do before when I made a payment and was informed that they just hadn't updated the information in their system. Ok, then they also informed me that we do not qualify for the Homeowner's Retention Program because we are on unemployment and that isn't verifiable income. Well, if that were the case, then why did they offer the program to us in the first place? I faxed income information to them, unemployment information and they sent the packet offering us the program, why would they do that if unemployment isn't accepted as a form of income?

Not only that, but when I sent back the signed paperwork, I also sent unemployment documents again. There are 2 chances they had to call and tell me that unemployment isn't accepted as income. Did they? No. They approved and completed our paperwork and accepted not one, not two, but three new payments from me. Tell me if that is ethical business practice. When I asked to speak to a supervisor, I got to talk to him (Steve), however, he was no help and assured me that no one at the company would help me. I asked him if they would rather foreclose on our house or put us on this program, and he said, "You don't qualify for this program." That leads me to believe that they would rather foreclose. We are delinquent on last year’s taxes and I can't pay anything toward that until they consider our account "up to date". My escrow payment is over $100 more because of this. I believe when B of A took over, they saw an opportunity to get money from us. They knew that we didn't have the credit to refinance. I saw on my credit report that they checked our credit just a short time ago after this started. They know we don't want to lose our home, so they figure that we have to find a way to pay the higher payments. Another little consumer crushed by the largest bank in America.

I had been calling my rep, K. **, to find out when my closing would take place, and could never get a callback, so I kept leaving voice mail messages. On 4/30/09, I received a message from someone named Jonathan from Bank of America (no last name) on my home phone, even though I kept leaving my cell phone number, that my packet should be back from processing, either Friday or Monday, which would have been May 1 or May 4. The expiration on my contract was May 4, so I was extremely nervous about things not being completed, since 4.5% was a substantial monthly savings for me.

I called again on 5/4, 5/6, and finally on 5/12. I called the main number, and asked if Kevin still worked for them. I was told yes, and explained I could not get a return call. I was immediately told that if I wasn't happy, I should talk to his supervisor. I was sent to Karen **'s voice mail, and left her a message with the details. I received no call. On 5/19, I sent an email to Kevin **, asking when, or if the closing would take place, and expressed my displeasure at the lack of communication and service. I also indicated I would file a complaint with the State Banking Commission. It has been over 60 days, and no one has let me know what is happening with the refinance, or whether it will even occur.

Bank of America (Formerly Country Wide) has $400 from me, and I have no evidence that anything is happening with my refinance. If I have lost out on the chance to refinance at 4.5%, I can't get that anywhere else now, because they have dragged their feet. At the barest minimum, I want my $400 returned.

When I contacted them approx. two weeks later, they stated they located the paperwork and they didn't receive any payments so they closed out the modification and there's nothing they can do for me at this time. I informed them my payments were returned, and they stated I would have to try and apply again but I don't think I would qualify because I had defaulted on my modification. They stated I have no further options, except to catch up all the last payments. I was never contacted by the bank in any way to see what occurred with the modification. And when I contacted them, they didn't know what I was talking about. Mind you, I received a payment coupon in the mail for an amount and I sent that amount. It was returned stating, "not enough to cover amount due".

I'm confused, scared, and worried that I'm going to lose my home and can't do anything about it all because of a mishap or something. It's not fair.

Enough is enough, I cancelled the loan on the spot and requested funds be returned to me as it was not my fault they did not meet the deadline. I don't expect that I will get them. I have had 3 calls from them since then trying to get me to keep the loan. I am not interested. I have been a 30 year customer of theirs and cannot believe the way I was treated on this refinance. I am also considering closing the rest of my accounts with them.

I am in the middle of refinancing with Schwab and am having a totally different experience with them. I deserve better treatment than I was given with Bank of America and they have lost a loyal customer over the way this was handled. They could have said at the onset that these loans were taking months to get done, but they just keep taking the loans with no one to process them so they can get the money upfront. That should not be allowed. Don't process a loan or refinance with BofA! I paid $450.00 upfront and I have to pay this again to go with another agency. I also would have paid much less for my mortgage if it had gone through. I retired in March and was counting on the refinance to lower my monthly costs.

BofA took $592.05 for late charges paid on the 16th plus an added $10 to $15 if I called the payment in so that it would not be late. I have spent months going over my checking account, phone bills and loan. How can they get away with this? I had to pay 2 months and 11 days of interest while I waited for their "research" when I move my loan. If I could only charge them for my time.

Our financial position changed drastically almost exactly one year to the date when our gasoline bill went from $250 - $300 per month to a whopping $1200 per month and to make things worse, I was injured at work, missed 9 weeks of work. After somewhat recovering, I was diagnosed with an autonomous functioning mass of the Thyroid which made me dreadfully ill. I missed more work. Then my back went out again and my doctor put me on medical leave for another 7 weeks. Two days after I was placed on leave, bam! My husband was laid off. We are now under Chapter 13 and on a very, very strict budget. Now, I can get to my point.

We received a notice in January of 2009 that our escrow would go up and we would have to pay an additional $12 and change. We didn't pay too much attention to that statement. Last week we got another statement from BOA letting us know our escrow has now gone up another $68. So that brings us to a total of 10% of our entire monthly mortgage payment, not 10% or our escrow account. I know I shouldn't be so ignorant to think that 10% of our monthly mortgage should go to escrow considering our financial situation.

I found out today, 05/14/2009, that I am not the only one. There are many, many more who have received the exact same notice. Escrow is up about 10% of their monthly mortgage payment. I keep hearing Farmers Insurance coming up over and over again and I feel that the Farm in conjunction with BOA are seriously fleecing the American taxpaying community. My escrow should not go up that much. My taxes have not been raised (yet), and my homeowner's insurance went down. So ... You, you, you, you and you and I get to finance the next round of loans to people who cannot afford the homes, again!

What happened to the umpteenth billion dollar bailout money? Not enough I suppose. Stick it the people who pay their bills, or are doing their damnedest to try - the extra $89 a month the BOA wants, and I am fairly sure Farmers Insurance and maybe AIG or who knows any of the Insurance companies are wheeling and dealing this monstrosity of larceny upon the poor unsuspecting, taxpaying American people. If by any chance, you have had your mortgage bought by BOA and you have received this statement, please contact me. Together we can get to the bottom of this and God willing, scream loud enough to make our voices heard. I had an idea for all of us to contact the local people who planned the April 15th Tea parties to get a movement going to make our voices heard. I have had enough! And I know you have too!

I did that and we started the loan modification process with Bank of America. I sent all paperwork to them. They said they did not get it so I faxed it to them. I will make a long story short. At the end of January nothing was done on their part. They just took their time. I called them every day to see what to do and accomplished nothing. They did not do their job. I sent in a payment not wanting to get behind any further. In the middle of me giving all my paperwork to them, they then sold my account to M&T Bank. I explained the whole situation to them and had to go through this all over again which caused a lot more hassle and stress. Before I knew it, they had an attorney involved and made me pay this attorney in order to keep my house.

If I knew this was going to go this long and this bad, I would have just taken out my 401k to pay house payments. That is what I had to do because they took so long to accomplish anything. I feel this was unfair and they should be responsible and pay my money back. These banks need to have better criteria in the loan modification department. I will also let you know this, when they sent me loan modification papers, they also accidentally sent me someone else’s file with all their info and paperwork they sent to the bank as well. I called the people and they were not happy. I did send it all back to the people. But I had all their information. Do you suppose that is what happened to all the paperwork I sent to them that they said they did not receive? Probably so, or they just don’t have qualified people working for them.

I was so stressed out about this. I even went to the doctor. I took a day here and there off work to try to get this accomplished I had to take what I had out of 401k to pay their attorney which they should have done in a timely manner and I would not have had to do that. I could not afford an attorney for myself since they soaked me for everything I had saved, for nothing. Thanks for hearing this and maybe someday this will not be allowed to go on.

Then Monday, May 4, 2009, my wife finally called AAA again and someone named Phil got us on a 3 way phone hook up with a lady named Jessie at BofA. My wife told Jessie about our problem and that the problem might be because of the policy number that BofA had on their website. BofA had our policy number as ** and the check was sent to ACA Insurance Company when our policy number is ** and is payable to AAA Insurance Company. Jessie from BofA then asked about 2 other policy holders and was told by AAA that that those 2 policy holders’ insurance had not been paid as of May 4, 2009. Jessie of BofA then did some checking and said “That BofA had issued a check for $56,378 that they couldn't find and they didn't know where the check was. They would put a check for $413.00 in the overnight mail to pay our for our homeowners insurance.”

And as of this moment at 0900 hours, May 11, 2009, my wife is on another 3 way conference call with Phil of AAA and Crystal from BofA trying to resolve the above issue. Crystal has promised that a check will be sent overnight to handle our homeowners’ insurance problem (this is the same thing we got from Jessie a week ago on Monday, May 4, 2009. And no check has been sent to AAA Insurance Company). Today Monday, May 11, 2009, at 1530 hours, we received our mail and guess what, there was as a letter from AAA Insurance Company telling us that our homeowners policy has expired as of 12:01am on May 1, 2009. Bank of America took $413.00 out of our escrow account on April 13, 2009 to pay our homeowners insurance. And they seem reluctant to either pay our insurance or return the money to our account.

While working with the District of Columbia to rectify the tax mistake, Bank of America increased my mortgage payment from $1,472 to $2,770 in order to cover the money they sent to the District of Columbia. I was disgusted and shocked because: First, DC Tax and Bank of America recognized the mistake, but Bank of America continued to penalize me for the mistake. Second, as an average American, I entrusted Bank of America to utilize integrity in conducting transactions on my behalf. I would most certainly have taken a second glance at a tax bill that is two times what I was told to expect. I would have most certainly made a phone call to verify the appropriateness of $15,000 worth of taxes for one year on a $213,000 property. Third, Bank of America was very targeted with the reactive approach of raising my rate, notifying the credit bureaus, sending written correspondence to my residence, etc, but did nothing proactive to warn me of the tax issue. Bank of America paid the outrageous monies and jumped on the bandwagon attacking me as a customer. Bank of America could have easily seen the discrepancy and been a great consumer advocate.

Fourth, this is not an easy fix. I have been on the phone with a multitude of Bank of America representatives (some way more helpful and knowledgeable than others) since December 2008. Finally, my quality of life as a Bank of America customer is suffering. I have been conducting business with Bank of America for years and I am no longer comfortable with handing over my mortgages, CD savings, checking, etc. There seems to be too heavy a reliance on computers and not enough rational thought. I spoke with a representative before 2009 began and we assessed a monthly payment of $1,560 until the refund from the city was received. I also sent Bank of America $2,221.75 for the escrow account moving forward.

According to my records, I have sent $1,560 in every month since this agreement. Bank of America has not been applying this $1,560 to my account. Monies have been held in suspense impacting my credit score. The city refund for the account was received on 4/21/2009. I received a new coupon book for a monthly payment of $1,546 per month and an escrow surplus of $2,600. On May 6, 2009, I was sent a letter from the mortgage collections department looking for $4,400. I am in need of intervention. As an average taxpayer, I am finding it difficult to manage the giant corporation (Bank of America) and work day to day to feed my family. I am a full-time employee, single parent and PhD student and this is impacting my quality of life and pursuit of happiness as an American.

I decided to call the 800 number and eventually spoke to someone named Stephanie who told me that my payment was received, so my mortgage payment was due Jan. 1 instead of Dec. 1. After making the required payment in January, BOA contacted me asking why I was 3 months behind on my mortgage. Once again, I made numerous calls and eventually spoke to Larry. He explained that I was required to write a "letter of hardship" and fax certain documents in order to qualify for the loan modification program. This was never relayed to me by Jennifer. I did everything that was asked and, in February, received loan papers through FedEx. I signed the paperwork which stated that my payment would be reduced for 5 years at a fixed rate. I overnighted them well within the time-frame in the envelope provided by BOA, then called a few days later to verify they were received. It was confirmed and it was stressed that I make sure I mail my payment to the Getzville, NY address listed on the loan agreement.

Last week, I received an email from BOA that they needed to discuss my mortgage. I called them and was told that I was 4 months behind on my payment. I disagreed. He also stated that I did not make a February payment when I actually made 2 that month. After much discussion, BOA's associate told me that I did not qualify for the loan modification program due to my income. I then spoke to his supervisor and she stated the reason was that I did not return the paperwork in time (I sent it 3/2/09 and it was due by 3/13/09).

When I told her I had called to verify it was received shortly after sending it, she said the person I spoke to misunderstood what I was asking. Is there another way to ask about a "loan modification agreement"? I believe her name was Kim, and she said that I should've been more clear about what I was asking and make sure the person I am speaking to looks at more than checked boxes on her screen. I then replied, "In other words, I need to do their job?" Kim proceeded to tell me that I needed to track down the package they claimed to not have received, which I knew they did. If I wasn't successful, I should reapply, for the 3rd time. Wait a minute, wasn't I just told that I didn't qualify? Didn't one person tell me because of my income and didn't she say the paperwork wasn't received in time? Make up your mind, BOA.

The next evening, I tried to contact them and after inputting my account number, I received a message that they were unable to access my account and to hold for a customer service rep. I then received another recording touting their loan modification program, and could not get a live person on the line. Yesterday, Sunday, I got another call asking why I was 4 months behind on my mortgage. This time I was told that I didn't return updated paperwork as required. I'm at a loss as to what to do. Can anyone give me any advice?

Late last month, she called me saying that when she checked her statement, she didn't see any withdrawals for the mortgage payments. My husband took her to the bank to find why, and the only thing they told him was that the mortgage was being paid and her account was up to date. That next week, I did some investigating on my own, and found out the Bank of America was taking her payments from someone else's account. The clerk gave me the company name and account number that was being debited.

I called the company to confirm and the amounts matched what should have been debited from her account. I advised the other person's bank that they needed to stop having that taken out and for them to advise their customer what happened. I then called Bank of America to discuss what would be needed to sure up my mother-in-law's account and to make sure this would not reflect badly on her credit. I also advised them that she should not be punished for the bank's error. I spoke to a very rude supervisor named Wanda **, who told me that my mother-in-law must pay all funds from December.

When I explained that she could not pay that amount, Ms. ** started quoting in policy and would not accept anything I said. After about an hour of discussion with Ms. **, I asked to speak with her supervisor. After waiting for about 20 minutes, I spoke to Vince who stated in even a more rude fashion how it was not the bank's fault that the payments were being incorrectly applied - but my mother-in-law's fault for not finding the error earlier. As I stated, my mother-in-law is already 89 years old. She does not always check her bank statements; she just happened to check it late April.

If I had not looked into this myself, this could have gone on for months. My mother-in-law has always paid her debts and is not looking for a handout, but I feel that the bank should not request back pay from her and to make sure they pay back the account of the other person who they wrongly debited. I need to know if anyone can help me with this situation.

I was transferred three times and was hung up on. So, I called back and spoke with another representative. She then told me that I didn’t qualify because my loan wasn’t backed up by Fannie Mae. This was also false. I was then transferred to Tiffany who told me I didn’t qualify because of insurance that was purchased by Fannie Mae. I requested to have a copy of the documentation showing when that insurance was purchased and why it was purchased. She denied me the information and told me that she could not help me or give me any information pertaining to the extra insurance purchased.

I then called Fannie Mae and explained the situation about me not having a PMI or an escrow account. A Fannie Mae representative explained to me that it didn’t make any sense for them too, stating that I had additional insurance purchased on my property when I didn’t have a PMI or an escrow account. I then called Bank of America back and spoke with Tiffany, and I spoke with her supervisor at ext. **, and they both were very rude and told me I did not qualify and they would not give me an explanation in light of me explaining to them about what Fannie Mae had stated to me about the no PMI and no escrow account.

Shaun hung up in my face and would not give me an explanation for denying my HARP loan. This has caused me great heartache and pain to be treated like this, to be denied something set up by our president that I qualify for. I also asked Shaun what he was going to do about the mistake, and he told me basically nothing. I am single mother of three, and my loan is not in default. The way I was treated was uncalled for. I know that they record the conversation. Bank of America needs to be investigated for fraud and giving false information to consumers.

* We are attempting to refinance a $94,000 mortgage on a house appraised at $650,000.

After nearly 3 months, we have not been able to complete the refinancing process. This is unacceptable. We are discussing looking for a more responsive financial establishment for all of our needs.

I qualify for the HASP Obama bill but for whatever reason I am being told something I have never heard. I need help. We have excellent credit, have never been late in our mortgage. Our home lost value and I got it over a year ago. My income was reduced drastically. I am disabled and unable to get more income. With this economy, my husband is not guaranteed overtime. Our mortgage is over $2,800 plus all of the bills. I am going to lose it in the next two months if I don't get some help. Can someone please guide me or help me?

Ultimately, Ms. ** was assigned to my loan application. Over time and in a timely manner, I provided her with all of the documentation requested. Two days before the closing date, BOA, via Ms. **, said that I didn't qualify for the loan because I already own an investment property in that city. They withdrew the No Fee Mortgage and offered me another investment property loan at a much higher interest rate. Again, I made it perfectly clear at the time of my application and stressed that BOA was my lender on the investment property. If they couldn't execute the loan, they should have told me immediately. Consequently, I feel as though I have been victim of a bait and switch.

I put up $1,000 earnest money. I had to put up an additional $1,000 to continue the process. In order to make the next closing date, or lose my $2,000, I am now being forced to take a much higher interest rate (5.25 vs. 4.375) and loan is a 3 year ARM. The extra mortgage cost over the life of the loan and the inevitable refinance cost could run in the thousands, not to mention the stress that I have had to endure throughout the process. I want an attorney to contact me.

Of course, I got on the phone immediately and discussed the problem, which also resulted in bounced payments to my other creditors. I had to fight with Bank of America to get my money back but they have yet to give me my bounced checks fees back. I, of course, stopped my automatic debit until they can update my records. I have sent in my Jan - March payments on time (I have the processed checks to prove it). They have yet to update my account with my new payment arrangements. The people on the Loss Mitigation Team don't know crap. The call always ends with me not knowing anything more than when I first called. They keep saying they are backlogged and don't know when they will be able to update the system with my account information which to me is unacceptable. The last time I called (3/23) after speaking with 3 individuals, I asked to speak to a supervisor or manager who had the nerve to hang up on me when I inquired as to when my account will be updated.

My complaint... Bank of America wants federal assistance because of their bad business decisions. They then do not want to fund those of us that are making sound and responsible decisions. I wish that we could take back the TARP funds and let them crash and burn.

I finally went down there and spoke with her. She told me she did not recall saying what she said and told me I could not get my money back if I cancelled. Bottom line is the bank has not done anything for me to earn the money. It is too bad I trusted Amber ** on her word. I have learned a lesson there. I struggle to make things work for my family and do not have money to throw around. I hope this can be resolved and I get my money back.

We were really upset and threaten to go public and sue him (**, a loan officer from Annandale Branch). He told us again he would resolve the problem, and that we need to give him just a couple of weeks to give us back the rate and the payment we agreed to pay… because we trust him. It has been passed 2 years and we are still the same - complaining to Bank of America and they are like Pilate washing their hands about our case. They told us to be late to get a modification; we did. And now the customer service says she never said anything like that. We are trying to get the modification, and they are saying to give the house in foreclosure if we don't pay them what they want.

We are devastated with no money and trying to get a modification from these people. I have sent a letter even to their CEO, Kenneth Lewis. And they’re very happy waiting for the money from the bailout and getting as many foreclosures as they can so they don't pay back. We really want to keep the house, and we have proof of the fraud and everything they have done to us. I hope somebody decides to sue them and show the whole country what kind of company Bank of America is.

However, we then never heard anything again. We initiated contact with an unidentified person at the mortgage center who informed us to fax again all of the paperwork which I did, for the second time. I then learned that the person assigned to this loan was a person named Angela ** Home Services specialist. This person was assigned this loan on 3/3/09 with a passing date of 3/5/09. After visiting their website to check on our progress as the closing date was only two days away, our realtor and I were unable to contact anyone at the mortgage center by phone as listed in the online service or by mail as it was kept secret by BOA. All voice message boxes were full at the mortgage center including the supervisors' as no one was answering phones. I then went to the branch office where we originated this process and the branch manager could not get to speak with anyone either but suggested that we fax the documents again which we promptly did as the online site said we had to do as part of the process, this being the third time.

We already had acknowledgment of the receipt of said faxes by verbal communication and from a fax record (2). I then spent all of 3/4/09 on the phone and in going to the branch office and trying to get a human to talk to along with the branch manager who tried very hard to help us and kept apologizing for her company and stated that they were overwhelmed with loans and can't process them fast enough. I then told her we should have been told this up front and that the so-called Home Services specialist should have called us to inform us of what is going on and to advise us of what the bank needed from us (as per their website mortgage application status).

As of this writing, we have not been contacted nor have we been able to contact Angela ** who we learn from the Branch manager is unable to get to our case because of the large workload and there is not enough help as they laid off most of their employees in this department since the recession. As of now, we are just awaiting word that we can close sometime and we are contemplating scrubbing this deal completely as we feel we have been lied to.

So here we sit. Both my husband and I have 750+ credit scores and pay all of our bills on time. If BOA hadn't waited 2 months to call and tell us of the changes, I could have gone elsewhere in the beginning to secure a lower rate. They have since gone up and we are back to square one. BOA tells you what you want to hear and then changes it in the long run to where you have no other option. I will be surprised if I get my application fee back. When I told the girl I wanted it, she quickly placed me on hold, came back and said it would be refunded, told me to have a nice day and hung up. I have had my accounts there for 10 years. Where is the loyalty? I don't have it anymore. I'll be changing my accounts elsewhere.

So I went to this gentleman, purchased homeowner's and flood insurance. We closed on the house and moved in. Several months later, I received a letter in the mail that stated I was mistakenly sold flood insurance and that it wasn't available to me. I pursued the issue with the insurance salesman and found out FEMA was the only one who sold flood insurance and that because my county didn't participate in the FEMA plan, that insurance wasn't available. This was all communicated to Bank VI and the issue was dropped.

Several years later, Bank of America bought Bank VI and my mortgage. They sent me a letter stating I would have to have flood insurance and that if I didn't buy it, they would. I called every insurance agent in my area and several large ones in other parts of Kansas and no one could get me flood insurance. I communicated back and forth with BofA and they went ahead with forced insurance. They couldn't get FEMA to write a policy either so they purchased one from Lloyd's of London at an outrageous price that was many times more expensive than the FEMA plan. After much going back and forth with me making my point that it wasn't legal for them to place forced insurance when it wasn't available from FEMA,

I finally talked to someone in their legal department and they dropped the forced plan. They billed me for two years insurance but only refunded me part of a year. I thought the issue was taken care of for the life of the mortgage... After many years, the issue has come up again and they have done the same thing again. I've showed them the rule about a lender using federal money that is required to have FEMA insurance if available and it states that it is only required if FEMA provides it. They have placed insurance that costs my escrow as much as my house payment AND taxes per month. This effectively has doubled my house payment and there is no way I can pay this ridiculous payment each month.

The fact is I can't buy flood insurance. If the lender and insurance company I originally worked with had not been derelict in their duty and I had known flood insurance wasn't available, I might not have bought the house. It is unfair to require me to pay for outrageous insurance from the likes of Lloyd's of London for my home. And as another note, the people I bought the house from didn't have flood insurance and they had a mortgage through another bank. Thank you for your time and I hope you can assist me.

They were $6,100 in 2006, the year prior to me buying the property. The bank and title company claimed they called the city and were told $4,395 and that was the amount I signed on my closing documents. Now, I am in a financial bind and need to get out of this. I would never have purchased the property if I had the correct tax amount due to closing. That is a major difference in a payment if the number was $6,100. How can I resolve this issue? Who is responsible for me closing a loan with false information on the loan? Please have someone contact me regarding this matter. Thank you.

Eleazar repeated all the additional needs of the loan only to find all these had been satisfied a month ago. He then stated the loan would not be approved because of an income analysis he noticed on our tax form for 2006 and 2007. I was shocked because on the 1st of February, I was told the loan had been approved and needed only item satisfied. Then it became two and then it became three, etc. and now Not Approved. This is gross inefficiency and incompetency. The Bank of America is causing undue anxiety and the possibility of losing our deposit made to secure this property.

They seem to have all sorts of information about us except payments. We have access to canceled checks, but made payments with a payment book, not statements. Therefore, we have never had monthly statements to verify total amount paid or interest or anything. We've contacted the IRS to let them know that we are unable to do our taxes. The phone numbers for Standard Federal & Lasalle all go to BOA.

Bank of America has dragged its feet on the foreclosure and now, I have R.E. taxes that are delinquent. During this entire thirteen month period since my last payment, I have not received a telephone call from Bank of America. At one point, I thought I was going to get an offer on a short sale and telephoned them daily for two weeks. I left frantic messages each day requesting for assistance on how to proceed if I receive the offer, but I never received a call. I asked if they would work with me on the taxes I would owe after the short sale, but was informed that they would not. I have received the first letter from Bank of America stating that I am in default (13 months later). I feel that some action or investigation against Bank of America should be initiated. I have contacted every agency possible and have gotten nowhere. I have also contacted elected officials for my state without a response.

I went into the branch and did just what I was told, but my payment was refused because it was a partial payment; this was despite the note made in the system by the mortgage department. I waited 45 minutes while the branch employee and the mortgage department cleared the issue over the phone. As a so-called courtesy, the mortgage supervisor asked to speak with me to inform me that the payment that would draft in February would be denied and sent back to me because they could not draft two of the payments in February and two in March to cover the March payment, even if it was before the end of the grace period.

I asked, “Deny my payment? That is crazy!” She replied, “Yes. Sorry, there is nothing we can do.” She said I would have to pay the same amount I had just paid to have it be accepted. I asked for her next three chains of managers, and she refused saying she could only give her supervisor's name. I would have to get that information for that supervisor. I am still waiting on a return call hours later. Bank of America is forcing my payment to be late by denying it. It will be reported to the credit bureaus as late, and I will be charged an $84.00 late fee by BOA, even though they are the ones refusing the payment both in the branch and over the phone.

After several attempts to contact Mr. ** by telephone and email, I gave up and contacted Brian ** in the loan processing department. He looked up the paperwork for me and stated that the information for the property address was still incorrect. After speaking with his supervisor, they agreed to take care of the problem in their office to prevent delay of the loan, however, it wasn't their responsibility to do so. This isn't the first time I have had problems in dealing with BofA and is the primary reason I refuse to do my banking with them.

They have been allowing us to make lower payments but have been reporting us as not meeting our monthly obligation and that we skipped two payments. Remember, we were supposed to have two deferred payments. When I contacted Loss Mitigation and BofA, they claim we agreed to all of this and that's what happens when you modify your loan. We never agreed to this, and now we can't even rent a place when we sell the house! We have spent collectively this week over 10 hours on the phone with no resolution from BofA. We have never received one piece of paper from BofA and we never signed anything agreeing to these terms. How can they do this without a signature or a contract of some form?

When I call, I get someone sitting at a computer that can only answer basic questions from the information on the computer. They have no knowledge of Loss Mitigation or our loan so they claim they cannot offer any answers. They also tell me that I have to wait for an advisor to call me. I can't be connected to one after sitting on the phone for hours. I have to wait up to 2 days for them to call me. With things the way they are, I may never qualify for buying another home but if I do, I will never get a mortgage with BofA. Billions of tax money to bail them out, and they get to turn around and destroy the very people paying for their bailout. Our credit scores have been destroyed by BofA'a actions, and we are seeking an attorney to move forward against BofA.

We didn't know that the house was up for auction 3 days before the loan was approved. Bank of America did not do their job of checking whether we still own the house or not; according to the deed of trust, the house has been on default since 2007 and that it was going to be auctioned in February 2008. The equity maximizer loan was approved and the collateral was the house. I know I was paying the mortgage when the $100K was funded until in June, Chase Mortgage returns the cashier's check. My stepfather told me that the reason the check was returned was because we needed to pay the back pay in full, which later on I found out was a lie - it was because the house was bought at auction by BNC Mortgage.

Now we are stuck with the $100K loan that my husband and I did not use. I'm still paying for the loan and cannot pay for it any longer. I attempted to call BofA and tried to explain the situation, but no one can help me because I'm current with my payment. I'm not in good terms with my mother and stepfather at this time. And the last time I talked to my mother in July, she told me not to worry about the $100K loan that my stepfather will take care of it. My husband is the main borrower on the 2nd loan and all 3 of us signed for the loan (me, my mother, and stepfather). Since the house foreclosed and we no longer live there, do I still need to pay for the $100K loan even though the collateral is the house that foreclosed?

I know that we had our duty to disclose everything when we applied for the loan. BofA also had the duty to check for accuracy of the information provided, right? If BofA had checked the deed of trust, the loan should have never been approved. But now my husband and I are stuck with the $100K loan and cannot afford to pay for it anymore. By the way, my stepfather was/is a loan officer, and my husband and I had a theory that he knew someone at BofA and that is why the loan was approved (the person that processed our loan basically closed his/her eyes).

I don't know how my husband was approved for $100K loan when he only makes $31K a year. The house was under my stepfather's name, and he filed bankruptcy before we applied for the loan. Then my husband's name was added to get the equity maximizer loan. Can somebody help us? Because BofA approved a loan that was not supposed to be approved, we are now stuck with this loan and no one at BofA wants to help us. All they are telling us is to pay for the loan. I constantly have migraine trying to think what will happen when we stop paying on this loan.

He transferred me over to a man who I explained the situation to. The conversation went like this: I told him I was calling about our mortgage and that my fiance had been laid off for some time and that we were looking for some breathing room. His response was to look at my account; he stated that he would be able to tell me about the deferrals they could give us. The first option he stated was that he could defer 3 mo. payments and that in March we would pay the 3 months at that time. I responded that wasn't a good plan because it made more sense to just pay our regular payments; it wouldn't allow us to save money since the reason we wanted this was to get ahead not because we didn't have the money to pay our regular payments.

He then stated they had another program which we could defer 3 months and put it onto the end of the loan. I stated to him, "If we chose this option, would it not reflect poorly on our credit report?" His reply was, "Absolutely not!" I then asked, "Are you sure?" And he replied yes. I then stated that I knew BOA had their own credit and would it reflect poorly if we ever needed a line of credit with them or an equity loan. His response was that it actually helps our position with the bank because it showed that we asked for help before there was a problem. I stated that he could continue with the process as long as our credit would remain good.

He placed me on hold as he said he was going to apply this. When he returned to the line, he stated that we were all set. I stated, "What do you mean all set?" He said, "Your payments will be deferred for 3 months." I replied, "So what do I do about Dec. (I figured with it only being a week or so away, I would have to make that payment)?" He said, "No, you don't make any payments till March 09." I again asked about our credit and also asked if I wanted to pay early in Feb. if I could. He responded that it would be best to use the whole extension and if we had extra money to just bank it in case we had to use it at a later time if something happened with his job or anything.

He explained that we were allowed to do this 2 times in a 5-year period. I asked, "Will the bank automatically know that we got the extension so they wouldn't think we were late?" He said that they would know and that he would send me a letter to have for my records. I said that this process was so easy and thanked him for all his time and help.

We waited for the notice and didn't get it as of Dec. 23. I felt funny not having it in my hand and thought nobody told me what to do about my taxes and homeowner's ins. as it is escrowed so I called back. A woman answered the phone and I stated my account number and that I was given an extension at the end of Nov. She pulled up our account and stated it was still being worked on; I screamed, "What?! I was told I was all set and not to pay any payments till March 09!"

She replied, Relax" that I was all set; it just sometimes takes a while for them to get everything done on their end. I replied, "Oh my God, should I pay Dec. while they are getting the paper work done?" She said no, that I didn't have to and that I would not be penalized for them taking a while. I said, "Is that why I hadn't received the paper work yet?" She said yes but assured me everything was okay. She said she could see that I had the extension; it was all set. I told her when I was approved they didn't tell me what to do with my taxes and homeowners.

She put me on hold and said that it was still our responsibility to pay them. I asked her who I paid it to and what the amount would be. She said that BOA would send me a notice to tell me how much these things were. I said okay, that I just need to know sooner than later because I didn't want to get smacked with a big bill as the reason for the extension was to save money. She thanked me for calling BOA and we hung up (mind you, this was Dec. 23rd; if I were delinquent or this wasn't approved, you would think she would have mentioned that).

Anyway I got my mail on Jan. 20 and there were 2 letters from BOA. I opened them happy that I was getting the letter I was waiting for as well as how much we owed for taxes and ins. Much to my surprise and anger, I found a letter stating I breached the terms of the loan and I was delinquent $3,490.17. What?! They stated I can cure the default by paying the amount by 4/15. How does that make any sense? First of all, I don't know what to even say.

The other letter was that my request for a possible loan work out was denied because we don't meet the affordability requirements? What?! Then they were nice enough to say we might qualify for a short sale. They must be joking. We were never late nor were it our intention to ever be late. They made us late, not us. There was never a possibility a loan work out they granted an extension in Nov. - no question about it.

I called and got shifted from one person to another, ending with a woman who again told me to calm down, obviously not great advice. She said that I never did a financial statement (nobody ever asked me to). This is a joke! It has to be. I told her our income and she did whatever with it. I am so disturbed at this point, I didn't care what she did with it. I told her, "They told me I was all set in Nov. Not that they would review or consider it and when I called in Dec., they didn't say it either." I requested a supervisor. I explained the situation again and said, "This is a very easy fix." All they had to do was pull the tape of the conversation and they would see that it was granted and I was specifically told not to pay anything till March 09.

His response was that he would look into it. I said that it was not acceptable; I needed to know now. He told me not all calls are recorded. I said, "And conveniently, this one wouldn't be, right?" He said that he isn't even in the office of the person I spoke with. I said, "Well, get the tapes of the conversation I had in Dec." His response still wasn't helpful. I told him instead of beating a dead horse talking to him to give me the number of someone who can help me. He did but of course her mail box has been full for 2 days.

I have been wrong many times in my life about many things. This is not one of them. I feel that because we were in good standing with them, they took that opportunity to put us in foreclosure mode. This in unforgivable and somehow must be illegal. If not, it should be. I can't imagine what they do to people if they don't have the money to pay and look to them for help if they did this to us when we were current. I was not in trouble when I called them in Nov. Now after they have helped me, I am screwed. I don't know what to do. I am kind of backed into a corner. I don't want to show any late payments on our credit but strictly out of principle, I do not want to pay them till March since that is what I was told. What do I do?

I am not sure if they think I am going to tolerate this treatment but I can assure you I will not. I would like to get my full story out to as many people can read and hear in America. This is just plain wrong!

My closing loan documents (which I was refused the day before to look at) were back-dated and not signed by BOA. The Deed of Trust is one date; the Note is back-dated, the rider was blank and final application back-dated. I think I will write a book about my experience with BOA fraud mortgage.

BOA has gone way beyond the bounds of decency with me. I am an older, disabled single woman and they prey on older people. BOA ruined my credit and put bankruptcy/foreclosure which is a lie. People do not know BOA had secondary wholesale depts. in Dallas and Florida. They had so many predatory lending they closed them this year. But it is coming out now. I believe what goes around comes around.

Ten months later, we received a letter stating that we had not paid our taxes. Soon to follow was a letter from Bank of America telling us our monthly payment had gone up by well over $500 a month, and we were $3,000 behind in our tax payments. We called right away to find out what was going on. After speaking with a woman who had all the information we had given to the bank to process a quote, we had been told the incorrect quote to begin with. She had the correct quote and it was nowhere near what we had received. After confronting the bank, we were told that, "You knew you had to pay taxes!" Our response was that, "Of course, we knew as we have always paid our taxes and we had given Bank of America all the information pertaining to the taxes we pay. Not to mention the woman who had all the information and the correct quote.”

After all the calls and battling with them, the only response from Bank of America is, "We made a mistake!" Had we been given the correct quote to begin with, we would have not refinanced at that time. Also, I do not feel as though I should have to pay a lawyer to be sure that my bank is not screwing me. I believe, just like any company dealing with customers, all documentation should be double checked. My question is how could the original woman have all the documentation and correct information for my husband and me and yet a tremendous mistake is made?

Due to the negligence of Bank of America, the cost of our loan when paid off will be approximately $100,000 more than originally quoted. This has put a tremendous strain on our family of 8. There are six children in our family. We are not able to do the things like we used to. The stress in our lives is tremendous as my husband and I work very hard and long hours. We will not allow our house to become one of the foreclosed. However, the children suffer for the most. Things were going along great and then take $500 more away from a family in this time of recession because of “oops, we made a mistake.”

I myself have suffered with depression and hopelessness throughout this ordeal. It seems wrong that a company so big, profitable and well-known throughout the world could be so cold and non-understanding. No sense of wanting to correct the mistake. We asked for several reasonable solutions only to be turned down with the statement of "you knew you had to pay taxes", which was thrown in our faces anytime we contacted this bank, which as I stated we have always done and gave Bank of America all information to that fact. They have the proof that we did. And to think of us among how many others can or have lost our homes due to this “oops, we made a mistake” comment. They are ruining lives! They certainly have taken the life out of our lives. Please help us!

BOA employees, especially mortgage employees, do not have their heads screwed on tight. They are the worst ever. They do not like to communicate with people, other than letters in the mail to surprise the crap out of you that your loan is skyrocketing because of them failing to inform you that for the first year they are only including land in the taxes. I'm sick of it. I'm sick of them. Don't waste your time. They are rude. Worst of all, they don't speak English, which makes communication horrible. If I would have known that the following year after closing I'd be charged more for taxes on the structure, I would have said no to the loan and walked away. But I didn't. They made me believe that all taxes would be included, not just land.

Horrible, horrible, horrible bank that is. Glad I don't have a checking account with them. They would rob me dry!

The second case involved a woman who was told that she had to add her husband to the application to get the loan. She did and they told her a new application was needed because he was never on the application. She said ok. BofA was very discouraging and told her it may not get approved because she should have shown his income, which they stated it looked as if she was hiding family income from the initial loan because he wasn't on the loan and it most likely will not be approved... Incredible!!

When I call the "Homeownership Protection Department" I get hung up on, and they tell me that they don't take incoming calls and the case worker has to call you, but only after you fax them the request. I faxed two requests over a month ago and still cannot get a phone call. Long story short, instead of working with myself, my Realtor and Chase to make a deal (we are only 4K away from going to closing) they keep denying the short sale and they will not response to phone calls. They state in their message and their mission statement that they strive for excellence in helping people keep their house, but in my case not only can I not get a phone call back, but they deny every reasonable offer made to them when they are accepting other offers for Short Sales. I am willing to pay the difference and I still can't get someone on the phone to help, nor can my Realtor.

They are not trying to help me keep my house; in fact, they are pushing me into foreclosure. If the house goes into foreclosure, surely they will get nothing or an even smaller amount then what they are offering for my house - they refuse to even look or negotiate. I have been hung up on, my phone calls are not returned, and now I am about to lose my buyers because I cannot get BOA to cooperate. They are discriminating against me because they are accepting other short sale offers that don't meet the same criteria they are telling me I have to meet. I am even offering to sign a promissory note to pay the difference, and they are refusing even to talk to me to tell me that I have to do to make this work.

PLEASE help me! My husband walked out on me in April, leaving me with the house and all the bills which brought me to the position I am in. Unless someone intervenes and talks sense into the person who is supposed to make decisions over there - my house will go into foreclosure when it could be purchased right now for a reasonable price. All I want is a chance to talk to someone to get an answer on what I need to do to save this. It is a shame they are driving me into foreclosure and when the house does go to auction, they stand to get nothing. Please Please direct me to someone who can help. They are accepting the same offer for others; why would they not take Chase's offer for me? I am even willing to pay them on the difference but I can't get anyone to call me! You can call me anytime.

I would like to have your explanation as to whether I am being over expectant in assuming that the bank would provide the title to the property once the mortgage loan is paid off. I would like to know to whom I can express my dissatisfaction. Over the time that I have had to spend in straightening this out, even though it still apparently is not. Your on-line telephone numbers have been essentially useless, with people who either cut me off or forwarded me to telephone answering machines.

Well BOA decided (even though they are denying it) that we had to get the cabinets finished and fix the window before loan approval. Then they needed our property in Mass to be 30% of the one in Florida. Then in November they tell us that they can only approve my parents for a $102,000.00 loan with a huge $57,000.00 down payment. Yeah Crazy. So today December 1st, 2008, my mom told BOA and the representative that the deal is off!!! They are closing all of their BOA accounts and will never mention their name to anyone.

My conclusion is that in this particular case I think discrimination was used. My mom is European from the Azores and is a US Citizen. Her husband is from Central America from El Salvador and he is a Green card holder. If BOA thought that non-US people can't have $70,000.00 saved of hard earned money boy are they wrong. My mom's husband is an executive chef at a restaurant in which he makes over $62,000.00 a year. So there's that. So if you do your math how can BOA not approve the $170,000.00 like they originally did? All I can say this has been the worst experience in my life and my parents. This is actually a small version of the situation.

They never payed the insurance or the taxes, and raised our house payments to $2,120.00 a month. Well we are now in foreclosure. But they admitted it was a discrepancy on them and not a deficiency on us. Well we have been fighting this on our own. The Judge even saw the problem but can't give us legal advice. We have been to court twice now.

Both times it has went in our favor. Last month, the judge still did not award them the house but the very next day after court Bank of America hired a lock company SAFE-LOC to enter the home and change all the locks on the doors. They did and it still is not their property yet. Then they gave the keys to another guy they hired to cut the grass; he entered the home and started removing the contents in the home.

We are scheduled to go back to court November 5, 2008. We tried to get a no trespass warning against them to no avail. I called the Comptroller of Commission and they said I have a case and gave me a case number due to them messing up the escrow. Please someone help us what can we do?

So, the check hit the automatic deduction hit the bank and was return. I called bofa and was told the payment would not processed again. So, I sent in a payment for the mortgage. Well much to my surprise the payment was processed along with the payment that was not suppose to process. I called bofa and informed them of what happened and said things would start bouncing all over creation if the funds were not returned here is the kicker...they agreed to return the funds. But, when I checked my account they had not returned the funds and I had accured almost $600 in returned checks and fees.

I called bofa and asked why the funds had not been returned. They said that the mistake was mine so they had reversed their decision to return the money. I said it would have been nice if you would have notified me by email or letter that the fees would not be reversed and I could have made other arrangements to cover any delinquent amounts. They still hold themselves blameless and refuse to return the fees.

Well this is my last go round with big bank america. I will be switching to a local bank and warning all I know and don't know to stay away from BOFA! - about 20 returned items at @ $35.00 a piece. Absolutely no money left to pay the rest of bills, groceries, etc.

We now owe more that the house is worth but it has not gone down in value. They did not tell me the payment would me more than I make so my account went negative. Now I have to drop my wife and a child from health insurance to give a $600 buffer since both mortgages are more than I make when the interest was higher.

That money was my buffer. My account over drawn and had penalties for that. It has causes much stress and depression to me and my family and relationship.

I explained very clearly, very adamently, it goes to the BIG loan, the one with the $700 payment, NOT THE SMALL ONE WITH THE $5 payment. She smiled. She went to a machine and came back, saying it was taken care of. I said are you SURE it went to the BIG loan? She said, yes. I said, DOES IT SAY IT IS NOT ON AUTOMATIC WITHDRAWL ANYMORE? SHE SAID YES!

A week later I get a notice that my small loan had been reduced $700. So, this moron naturally did it wrong, despite my trying as best anyone could to get her to understand me. I run to the bank, and talk to the manager. He gives me that attitude that I must not have explained it well enough and did not offer to talk to the moron teller. He made a call and got the payment switched to the correct loan. I ask him, ARE YOU SURE IT'S OFF AUTOMATIC WITHDRAWL? He said, yes!

A week later, I get a notice of non sufficient funds and some fee, because they tried to take it out on automatic withdrawl. I called the manager. He acts like I wasn't clear enough. Why would I give him a payment of the exact amount of the payment that is due on the big loan, make sure it goes to the big loan, ask him now are you sure it's off automatic, and he misunderstands and thinks Im talking about the small loan? He said he'd see what he could do about it and call me back.

Never got a call back. On top of it, he tells me there would in fact be an increase in my interest rate by taking it off automatic. Got a $35 late fee and caused much anger and frustration.

In addition, I was charged a higher interest and extra discount points at closing in order to qualify for the bank's No Fee Mortgage Plus program which waived the closing costs on the loan, and by doing that, I believe that the bank indirectly charged me for an appraisal which was not completed. What are my options? I cannot refinance and I have to wait several years to have enough equity on my house. I was misled and lied to by Bank of America about the real value of my property.

About a week later I received a call asking for my previous 2 years business tax returns as I was self employed.THIS IS SOMETHING I HAD TOLD THEM GOING INTO THE APPLICATION PROCESS. I told the woman that this was impossible but was willing to disclose assets or other proof of collateral. She said to call back in a few days to check on the status. I called back the second time and I do not think No in fact I am certain that my previous conversation was not documented. I then received a letter in the mail stating that I needed to disclose proof of tax returns per my first conversation. Again as my business is new I could not provide this information. This scenario went on 2 more times and I never go the same answer twice. It appears that the left hand does not know what the right hand is doing at their call center in Farmington, CT.

Steve Vernosi and his crew did what they could an I cannot blame them. I also cannot blame the first line of call center employees. I think that the fault here is that the process put in place by BOA supervisors in the call center does not exist. I also get the impression that my application was sitting on an underwriters desk for a couple of weeks My frustration here is that had someone explained the guidelines clearly up front the first time I would not have had to wait 7 weeks to get rejected.

This was a waste of my time. If someone had told me upfront what their criteria was, I would not have wasted their time or my time. The process was exhausting, frustrating, and at points maddening. It is a shame that an institution this size cannot get its people on the same page and properly trained to give REAL customer service.

Distraught, I sent an email requesting the refund of my application fees. I was sent back a harrassing email that was distributed outside of BOA, to recipients unknown to me, from the mortgage loan processor, making a joke of how he copes with customers like me at work. Stating he needs to be on Ecstasy.

BOA did not refund my application fee as required in the terms of the BOA agreement. The harrassing email included my outlook contact information which was sent as part of 10 other addresees, not BOA employees. BOA sent my confidential information out to non-BOA addressees without my knowledge or consent, in an attempt to harrass and humiliate me.

It really is upsetting me what is happening to us, this county and our home. I am now facing bankruptcy and foreclosure all due to greed, manipulation, deception and flat-out lies & untruths. Senator Charles E. Schumer, I need your help as I do not know where to turn or what to do as, I basically feel stuck. I am requesting and pleading for your help to stop the loss of our home. I feel that I was very unfairly treated by Bank of America with the home equity line of credit loan that I have with B.o.A. After, an accident I had while working I in-turn needed to have emergency surgery. I lost over 45% of my income, benefits, a company car and the career that I had for over 15 years as a NYS sales rep with a National Co.

I was contacted and solicited by Fleet bank/Bank of America and told that B.o.A. could assist me by consolidating my debts. However, to my dismay; I was never advised of the risk I was taking to our home and moreover, I feel I was totally deceived. I was told that the best option for me was a variable rate of 3.4% home equity line of credit loan. I was assured it was a safe, viable and sound stable solution for us. However, the rate jumped up to 9.9% and was only an interest first and only loan so therefore; I would of never been able to pay-off this loan due to the principal was never being reduced plus, being on a fixed income therefore, I could not afford to pay extra as I had indicated to B.o.A. I am on SSD and Workers Compensation along with I had a credit score of approx. 740 I feel that Bank of America sucked me in, hooked me and slowly destroyed my credit. B.o.A. made it nearly impossible to work with them, contact them and they would not, did not respond to my calls, messages and/or faxes.

How do you work with companies that refuses to or makes it impossible work with them. It seems as everything today is a major struggle, very shady, underhanded business practices. Along with a very complex and confusing sum of endless forms and paperwork. I went to Fleet Bank/B.o.A. for help to resolve my debt issues not knowing that I was actually doing way more damage than good.

When I requested to convert or refinance the loan to the fixed rate. I was told then in-turn by B.o.A. that they could not accept Workers Compensation as income? Totally opposite of what they told me when I first went for assistance. B.o.A. accepted Workers Compensation and SSD as income when I first took out the loan originally as I had no problem nor was NYS W/C, SSD was not an issue for the loan origination? B.o.A. told me that they did not see the rates going up at all and if and when they did they would just convert it to the fixed rate loan. However, when that time came I was told a totally different story! B.O.A. was not at all honest with me and I thought I could trust the bank to just simply be honest with me. Is that not why consumers go for a loan in the first place is to get the help and funds that they need? Along with funds that they need to qualify for? Just whose interest did the bank have in mind?

I feel that I was totally mislead and not told the truth about the loan nor, did I understand the type of "new product" loan that I was taking out. I was never told that I had several other more conservative & safer options nor, was I informed that I was "judgment proof" and I was better off not taking out an equity loan against my home in the first place in-turn putting it in jeopardy. I was not only lied to but, only told what I wanted to hear they had no-right telling me that if the rate went up they would lock me in on a fixed rate cause, it was not the case at all. Not to mention, the B.o.A. loan officer filled-out all the paperwork and filled-in the income that I was earning prior to my SSD and W/C due to my accident, I questioned this and I was told it was only a formality and it would help me to get the loan?

B.o.A. way over inflated my property value to $189,000. B.o.A. took advantage of our bad situation and what is now happening just is not at all right or just. I would like to know just at what point does the lender have take responsibility for their actions and wrong doings and is held accountable? Not to mention, I find it to also be somewhat perplexing and strangely odd that Fleet bank/Bank of America is also the bank for my Workers Compensation payments. I believe some may consider this a circle of and a form of conspiracy?

I am very saddened and upset, that I was so taken advantage of and mislead. In the fall of 2006, I had a major heart-attack, short-term memory loss, confusion and depression caused by a Duragesic pain patch that was prescribed to me for the pain cause by my accident at work and due to my disability. The patch caused a blood-clot and a major heart-attack, I tried to pleaded and hoped that B.o.A. would work with me due to I was unable to pay my vastly rising home equity line of credit, health care cost, the major increases in the cost of living among everything else.

We have had to go with-out food, heat and lights at times to pay our creditors, and ruined my once good credit . I often go without my heart medications due to I just simply can not afford the co-pays. I have tired to sell our home and can not sell or get even close to what B.o.A had it appraised at and claimed it to be worth or even just close enough to repay mortgages. Frankly, I don't understand how it is my fault that the bank way-over appraised and inflated my homes value, manipulated, deceived and flat-out lied to me?

Please don't get me wrong, I also feel that I have had several serious and out of my control events happen too however, isn't that why people go to a bank and lender for help and assistance along with consumers can't and should not have to take an attorney for everything that they do. However, shouldn't the lenders be honest with you? After what has happened with the banking and mortgage industry it really makes you wonder just who it is that you can trust and rely on these days? Just who is looking out for the consumers best interest? The consumers rights, the consumers America dream and security?

What happened to morals, values, honesty, respect and the principals that this country was built on, founded for and once stood for?

Where is the Government for the people? Should a man and his children, with a child with a disability, that is a single father a.k.a Dad?, and is totally disabled himself, on a fixed and limited income, with the be able to be scammed by one of the countries largest banks and have their home more or less scammed from a true America family, once hard working honest man?

Should a single father and his children be thrown-out in the streets and lose their home their "America Dream" because, of greed and the fact that mortgage companies and investors, stock brokers and deeper--came up with very creative ways to flat-out steel from consumers and people, families that they committed fraud against? I had always paid my bills and took great pride in my on time payment history with a good credit score. However, B.o.A. took all that away from me and has basically destroyed my life, my credit history it is just not right. Something is seriously wrong with the Mortgage system.

I call on Congress to enact an immediate emergency moratorium on home foreclosures and evictions. Moreover, until the Mortgage Bankers Association agrees to an immediate moratorium on home foreclosures and evictions, I call on members of Congress to refuse to meet with representatives of the MBA during the Association's meetings. People from across the country who are facing the prospect of losing their homes will be demonstrating and demanding that the Association formally endorse a call for such a moratorium.

The speedy, expensive, and extraordinary action that the Federal Reserve Bank took in response to the Bears Stearns crisis a few days ago is, in reality, tantamount to a government-enacted moratorium on bank failures. Congress has its own proposals for bringing relief to people at risk of losing their homes or is it just for the Banks that just wanted to increase their customer base and business. However, none of the proposals are as sweeping, immediate and effective as a moratorium.

The Fed's action required no legislation, no hearings, no studies, no half measures, and no time lag. Why is it, then, that a similar moratorium on home foreclosures and evictions cannot be enacted to stop the largest number of home foreclosures since the Depression of the 1930s? By refusing to meet with representatives of the MBA, you will be helping the mortgage banking industry wake up to the fact that they can no longer avoid, ignore, or continue to resist the popular and human demand that they simply stop evicting families from their homes.

Senator Charles E. Schumer, I do know that your time is very limited however, I respectfully request and plead with you to please help me and my children and other families like ours, we should not lose the "American dream" and our home that we have lived in for the past 14 years please help us there must be some way for us to retain our home and our "America Dream." As greed and money seems to be important to some; my children and their home is very important to me, please, Senator Charles E. Schumer, help us please, help us retain and save our home our small piece of property and our "America Dream" our small piece of America.

Thank you, for your time and understanding with these extremely important issues please, feel free to contact me with any questions or concerns. Please also forward and copy this correspondence to whom you see fit, just and proper. Once again I do want to say; Thank you, Senator Charles E. Schumer, I wish you the very best. May God-bless you and America.

In May they stated I needed to increase my levels even more. I do not feel it's ethical to request additional insurance levels after I have complied and have a current and active policy. I do understand when the policy comes up for renewal I would be required to pay the required increases. So according to my Flood Policy Declarations Replacement cost is 184,000 and per the bank requirements I put the additional $20,200 in coverage. And then one month after the compliance letter they requested an immediate increase of $27,400. I feel a 23% increase in a two month period is unsubstantiated especially with the property values dropping daily during that time in the double digits.

Please advise me of my rights and if possible a contact to discuss why I am in the highest risk zone under FEMA. The only flooding in the past thirty years was when the sewer system failed (25+ Years ago) to keep up with the new construction in the hills above my street. Since then millions of dollars of work has occurred and now have and updated system. During the seventy six years my house has existed there has not been a claim nor needed a claims. This destroys my cash flow every year being required to pay $1,400 in flood insurance and I only pay $1,200 for fire and hazard insurance at higher liability levels. I feel this is a gross abuse of a government system and I would like to know if I have any chance of fighting this.

Additional 143.85 on top of current insurance level premium of $1,279.00

Weeks later, we received another letter from BOA stating that they still had not received a copy of the policy. I called State Farm and spoke with Jean. She said that not only did she fax the policy on May 19, but that she also called to follow up to be certain it was received. She spoke with a Ms. Chant, who claimed that the information had been entered in the computer. So I elected to call Bank of America myself to try to get to the heart of the problem. I explained the history in the way it is described above. I was speaking with an agent named Sonja. When I told her that Chante told the agent that the information was in the computer. She replied I dont know why she said that because it can take 24 hrs for a fax to be entered into our system. She added, we receive and send so many faxes that a lot of times they get lost. Theres so much things get lost.

I mean, this is what BOA DOES receive and process information. Our private information, scattered to the winds, not once, but twice now, within the confines of BOAs offices. After I was assured that Sonja would take care of the problem, I was passed on to a survey. I was on hold for eight minutes waiting to be connected. When I finally was, I was asked by recorded message to enter the five-digit agent number. I was not provided with a number! The call then disconnected after saying thank you for your feedback.

So I go on the web and there is no Consumer Relations department in BOA. There is no recourse, other than to go through the incompetent channels weve already traversed.

A car loan we once had with BOA was paid off before we ever received a payment book (I believe it arrived two months prior to the payoff month of the loan and we asked repeatedly for it to be provided) and dont even ask my husband why he doesnt have a debit card with them. This is the worst bank Ive ever dealt with in the competence and customer service arena.

No damage as yet, but the most recent letter did imply that BOA would begin to charge their OWN insurance fee if the information was not received within 28 days of the date of the letter (to the tune of $516.)

A few days later, in the mail I received my Bank of America disclosures and commitments. I called Jamie and asked why the loan commitment showed a 90% LTV approval. Jamie from Bank of America told me that, I might have to pay 10% down because I could be in a declining market. I told Jamie that I had already been approved at 95% with a local lender. Jamie explained that it will be off the appraisal. My appraisal had already been done. Both my appraisals had been valued at purchase contract price. I objected to the deal and Jamie said she would take care of it, not a problem. She changed my loan on-line and sent me emails saying the bosses were aware and it would be fixed. Jamie asked me to put at least 5% of the purchase price in a Bank of America account. I did that within an hour of her asking me to.

Days passed, I inquired, nothing. Her Boss Derek Sawyer the sales manager for Bank of America loans called me and said he would personally take over the loan and see that it got done right. I never got a call back from him within 24 hours like he said he would. I sent him an email for an update and within an hour I had a phone call from Jamie again at Bank of America apologizing to me that the bank guidelines were for my loan to be at 90% and there was nothing she could do. Jamie said that she could call a local branch in Arizona and see if they could do a 95% FHA loan for me. I asked her to send along all the guidance she had received from above her and I would be following up with legal process

Well, first...I've been called to active-duty deployed on the US/Mexico border. I needed to have my family in a home and mortgage that did not require such a large upfront payment. I have had sleepless nights when I should be getting my rest for military duty because I was stressed out about this loan. The stress of having to put so much cash into a loan that I was not sold in the first place is unbearable. This was a bait and switch deal. I have the 95% GFE from BOA and emails to prove it. I have the documents from the other Lender proving I was closing on the 95% LTV loan with them. I have email conversations that outlines, Jamie telling me that the other loan was a bad one and I should go with her bank, Bank of America.

My wife is beside herself that we have to empty our saving account and we still have to move across country at our own expense and were suppose to buy another car. I'm leaving for Iraq again soon and we will be in financial hardship because I was told and sold something that was not delivered and I believe Bank of America Mortgage Employees deliberately defrauded me into using Bank of America, by lying to me, providing official loan documents that were fraudulent, keeping the Official BOA On line Mortgage Tracker showing my loan closing on a 95% LTV loan all the way to the end. Bank of America representatives used inaccurate, false, and fraudulent efforts to lure me away from another lender and trap me into a loan I did not wish to be in.

if all of this had been told up-front this would not be a problem but when they wait until the work day before closing this now becomes a problem. i gave the bank my personal info so i could co-sign. bank said ok now bank tells me i have to send tax returns, w-2;s and pay stubs.

Meanwhile, the building owner is making threats, and he wants me to pay twice. I finally stop paying the taxes with my mortgage payments to BOA, and they start fining me. I spent more time on the phone and on hold -- until they finally agree they will pay the taxes if I give them a copy of the invoice and the percentage I owe. In the meantime, they sent out mail to the wrong address, and they even sent me a statement saying they sent my taxes to Baltimore instead of Boston. Then after that situation was supposedly worked out, they started sending notices threatening to harm my credit report because they said my mortgage was late. I pay early each month!

Finally, again, after many phone calls and much time speaking with supervisors and on hold, they finally acknowledged that they had applied my payment incorrectly, but it is still showing up as late online. And forget their credit card: Now, I'm getting hit with a $144 finance charge, when I just made a $900 payment (over $500 more than the minimum). And they won't lower my interest rate. They are criminals, in my book. And incompetent. I am going to find a way to pay down this card, and get refinanced with someone else as soon as possible. Don't do business with this bank.

I have been so upset time and time again from all of their incompetencies. Every time I give them my mailing address, they send things out to the wrong address. They don't let one supervisor get to know you and the problems. You have to tell the whole story over and over again...and they have the nerve to ask How can I exceed your expectations today? They have stressed me out so bad at times, I've felt ill.

I'm just a faceless set of numbers to this organization. They do strange things, like change the credit payment due date, which is another stressful situation. If they waste your time or cause you headaches or emotional harm, you get nothing. If you are slightly late on something or perceived late, they can assess tremendous fees. I don't understand why our time and sanity isn't worth anything these days in the eyes of this bank.

BOA now tells me they have no final documents for fannie mae loan. My income BOA stated they verified was intentionally inflated $300 to get me into a loan I could not repay. Don't file complaints with OCC. They are worthless. I have had better luck with state agencies. These are falsified signatures and initials on loan documents and deed, note, etc. We have a falsified HUD-1 form, cutup and altered. The worst part is I have been a loyal and trust BOA have been with them 15 years and they spit in my face. It took them over 3 months to respond to OCC and OCC would not nothing about it. It is a real joke. BOA had violated so many state, Federal and other violations and I do have a lawyer but he is a civil lawyer and I think I need a criminal lawyer.

I am physically and emotionally drained from the discriminatory way I have been treated with BOA. They used to be quality and now they are quantity and greed and it makes me sick. They would not work with me at all let alone talk to me. My mental status has deteriorated because all BOA had to do was use due diligence and take care of this matter to begin with. I think they prey on the older lower-income women.

I was supposed to put 5% down and they made me pay in the end 20%. I did not get the EA TPR loan I was supposed to get. Why don't borrowers who are abused stand up to BOA? Are people afraid of them? That is why they are getting away with treating people like this. BOA thinks they do not have to speak to me but they will have to speak to the judge in court.

Apparently, there was no way AT ALL for them to transfer it to my bank account with incurring a balance transfer fee. I received the check in time, fortunately, to get my mortgage payment in by the grace period, no problem. Also, I was assured that since this card was a 0% balance transfer card (and all I was using it for) that I would not be charged interest on this refund. Naturally, the next billing cycle, my credit card statement showed a purchase of the amount of my refund and was accruing interest. I had a $5,000 balance on the card already due to 0% balance transfers so, obviously, this relatively small dollar amount of interest will quickly add us since payments are applied to lowest interest balance first. I called the number on my card, explained the sitation, spoke to a supervisor who was very polite and helpful and she assured my that the amount showing in purchases would be recategorized and the interest would be refunded.

Well, the interest was refunded but the next month the refund had STILL not been recategorized! I called again and spoke to a little punk who did what I asked but made a smart little comment about the money I was making off of them (bless their little hearts!) by getting the interest refunded to my account yet again. So far, everything has been okay since. The most frustrating thing to me is simply the idiot bank teller who started the whole problem requiring miles on my car and hours on the phone. With all the supporting documentation and account numbers provided when I made the mortgage payment in the first place, there is no reason why she applied it to the wrong account other than pure carelessness and poor customer service.

It just so happened that I was in the bank trying make a transfer from equity to cover a business improvement that I already made, and I thought I was using money that I could count on. It also happened to be payday for my employees and the business account was not OK. Not a nice feeling when the teller says your account is frozen in front of other tellers and customers. I also had to race to stop my contractor from continuing a structural change on my home add-on that we were financing through this line. I lost a half of a day during business hours trying to shake down accounts receivables and basically embarrassing myself in front of my customers. I had to tell them that they were not late but I needed the money. All the while my business was running at half rate with the boss gone.

The amount of financial stress I went through was indescribable. I have plenty of financial resources but everything takes planning. I should not have been put on the spot like that. The last point I need to make is that my home value has not dropped as much as they think. They never gave me a chance to re-appraise. Since the last time they appraised me I have completely landscaped, redwood fenced, planted 5 large trees and 20 shrubs, installed auto sprinklers, completely remodeled the mother in-law suite (top of the line), and added on a cathedral ceiling/ glassed in patio room. My home value has not dropped nearly as much as they think. They just never asked.

Humiliated, Embarrassed, Stressed. Maybe $1000.00 or so in lost income for the day. And stuck with $4000.00 or so in business improvements that I would not have made otherwise.

How stupid is it to send a check that has been endorsed in the US mail? As a banking institution I expect a higher degree of professionalism, responsibility and trust. That check was for more than $11,000 and I haven't received it back. If I don't get it by the 3rd. of March I feel it's only right that B OF A make my house payment to cure the default. B OF A could have used Fed Ex or priority overnight mail with the US Postal Service. PLEASE HELP ME. I called the mortgage company on Feb. 20th to see if there was anything that could be done. The rep said that we pre qualified for a loan modification but that didn't mean that we were approved and that approval can take months. She also said that a letter of intent to foreclose was mailed if the loan isn't brought current on March 5th. Please what do I do? Thank you for your time.

I may lose my house because of B OF A's negligence. I have a notice of default that expires on March 5, 2008 and because B OF A seems to have misplaced my $11,000 + check, I'm facing foreclosure.

When I contacted them (again), they found their mistake and fixed it, resulting in a corrected tax form. My problem is that my taxes were already filed, and now I have to pay $300 to have them amended. Bank of America's customer service people could not have cared less about my problem and actually blamed me for not catching the error sooner, though they still deny any wrongdoing on their part.

I lost several months' worth of interest on money that should have been deposited into my escrow account, and I have to pay $300 to have income tax amendments filed.

This would come to $806.05. This is the mortgage payment minus tax and insurance. We had also talked about using the $1000 from the seller to buy down the rate. When I went to sign, they also had me paying an additional $750 to buy down the rate. I may have over looked this in all the paper work, but I don't remember us ever discussing this beforehand. I am very frustrated that I cannot get any progress made on these issues in over 3 months.



Of note, my house is the only one our builder has built that has under-appraised, and he's been building homes for over 25 years. According to him, it is also the only time BofA has made it to closing on one of his homes. At closing, after all papers where signed, my builder comes back to the room to notify us Bank of America won't release the funds to close the loan. After 3 hours at the title company making phone call after phone call we find out Bank of America forgot to verify the home had been completed and wouldn't release any funds until they send a rep to the property to visually verify the home was ready to move in. At this point my builder closed on 2 other properties while we waited in the waiting room for our money to get released. He even showed us the house he closed on after us and how a VA appraisal on it was for more per square foot than BofA would give us on our custom build. This house was in our same neighborhood. Finally the money came through and BofA just acted like they did us a favor and never apologized for the screw up.

Now, 14 months later, BofA wants $2400 in escrow shortage because they only calculated a vacant lot property tax into our mortgage payment last year. On top of that, our house appraised by the county assessor for within 500 of what we payed for it 5 months after closing. I to this day believe BofA pressured the appraisals to be low. Overall working with them has been a nightmare. I'll be cutting all ties with BofA as soon as possible.

At closing, cost over 4K more out of pocket due to low appraisal as well as sitting for 3 hours at title company so mistake could be fixed. $2400 now owed for escrow shortage. Increase in monthly payment by $150 if escrow shortage payed in full, or $350 if payed out over next 12 payments.

We looked back at the paper work, and the mistake THEY made was that they wrote down our old property taxes on our previous house ($2400.00) instead of the new house ($4200.00). I feel this is very unfair. If we would have known our payment would have been so high, we probably would not have signed on this home. They also wrote the previous city on the paper work, too. Is there anything that we can do about this?

I am concerned that I would have had to pay not twice, but four times as much, to cover my house with Farmers and am troubled about the greed that a corporate company such as Bank of America has gotten into. My mortgage loan has been paid back with no missing payments, and my credit rating is excellent, so I feel Bank of America is asking too much if Farmers would have failed and had not provided a safety net for the consumer. BOA is on the hunt for consumers to pay them more if given the opportunity, rather than serving the consumer. This policy should be investigated to protect the consumer regarding Mortgage associated house insurances.

My son was trying to purchase a vehicle and was turned down due to Bank of America reporting him as more than 90 days late on his mortgage payment. My understanding is that this could be reversed and his credit repaired as a Bank error.

Damaged my credit rating to where I was unable to get refinancing on 2 separate financial transactions with my personal bank, Security Federal. Falsely reported on my credit rating that I was delinquent on payments when I was not.